On-chain pledge asset clearing system and method based on on-chain digital currency settlement

Abstract

The invention discloses an on-chain pledge asset clearing system and method based on on-chain digital currency settlement, and relates to the technical field of digital assets. One specific embodimentof the system comprises: a lender asset application terminal system generates a first pledge asset clearing instruction containing the pledge asset information according to the pledge asset information under the condition of determining that the lender does not perform sufficient repayment, and sends the first pledge asset clearing instruction with the lender signature to the asset account book system; the asset account book system executes an intelligent contract contained in the pledge asset information so as to verify the first pledge asset clearing instruction with the lender signature; and after the verification is passed, the pledge asset information is sent, and the pledge return asset information and pledge clearing asset information are generated. According to the embodiment, thecomplete transaction process of clearing the pledge assets on the chain is realized based on the blockchain and the smart contract, and the transaction risk is reduced.

Description

technical field [0001] The present invention relates to the technical field of digital assets, in particular to a system and method for repaying pledged assets on the chain through digital currency settlement on the chain. Background technique [0002] At present, blockchain technology is developing rapidly. As a new decentralized computing paradigm, blockchain provides technical support for the operation of various digital assets on distributed networks. These digital assets run on the distributed network of the blockchain, do not rely on a specific third party or central party to keep accounts, but conduct global multi-node consensus accounting through shared ledgers, and achieve a technical guarantee through encryption algorithms security system. [0003] In the existing technology, the typical transaction mode of blockchain-based digital assets is: the transferor initiates a transaction, and transfers a certain amount of digital assets corresponding to its asset ledger ...

AI Technical Summary

Problems solved by technology

[0005] (1) The existing blockchain can only simply complete the operation of transferring digital assets on the chain, and cannot meet the transaction needs in the real environment. It lacks the repayment of the digital assets on the chain through the digital currency on the chain and the return of the pledge after pledge financing process of assets;

[0006] (2) There is a lack of protection for the process of digital asset financing and repayment transactions on the chain. After the borrower of the transaction repays off the chain, there is no guarantee that the lender will be able to return the pledged assets, and there are transaction risks;

[0007] (3) Lack of interactive capabilities for off-chain operations, all operations can only be completed on a closed chain, which cannot support the process of repayment on the chain and return of pledged assets on the chain at the same time, and cannot control the transaction risk of the entire process

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