阅读说明：本技术 通过链上结算的链上质押资产部分还款系统和方法 (On-chain pledge asset partial repayment system and method through on-chain settlement ) 是由 孟江华 于 2019-08-05 设计创作，主要内容包括：本发明公开了通过链上结算的链上质押资产部分还款系统和方法,涉及数字资产技术领域。该方法的一具体实施方式包括：借入方资产应用终端系统发起链上数字货币部分转移指令,由资产账本系统执行链上数字货币部分转移指令,生成转移后数字货币信息；并在最后一次性清偿余额后一次性返还质押资产；通过上述方式实现了链上数字货币还款支付和链上质押资产返还的完整交易过程,并通过智能合约控制了链上数字货币还款和链上质押资产返还过程,同时降低了交易风险。(The invention discloses a chain pledge asset partial repayment system and method through chain settlement, and relates to the technical field of digital assets. One embodiment of the method comprises: the borrower asset application terminal system initiates an on-chain digital currency part transfer instruction, the asset account book system executes the on-chain digital currency part transfer instruction, and transferred digital currency information is generated; and returning the pledge assets once after the balance is cleared for the last time; the method realizes the complete transaction process of on-chain digital currency repayment and on-chain pledge asset return, controls the on-chain digital currency repayment and on-chain pledge asset return process through the intelligent contract, and reduces the transaction risk.)

1. An on-chain pledge asset part repayment system through on-chain settlement, comprising: a borrower asset application terminal system and an asset ledger system; wherein the content of the first and second substances,

the borrower asset application terminal system is used for generating an on-chain digital currency part transfer instruction containing the information of the transferred digital currency based on the amount of the digital currency to be returned and the lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system;

the asset ledger system for executing a first intelligent contract contained in the transferred digital currency information to validate the on-chain digital currency portion transfer instruction with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.

2. The system of claim 1, wherein the borrower asset application terminal system comprises: a borrower digital asset wallet, a borrower digital currency wallet;

the borrower asset application terminal system generates an on-chain digital currency portion transfer instruction containing information for the transferred digital currency, comprising: the borrower digital money wallet generating on-chain digital money portion transfer instructions containing information on the digital money to be transferred;

the on-chain digital money portion transfer instructions include: the transferred digital currency information, the retrieved digital currency information, and the pledge asset information;

wherein the transferred digital currency information comprises: the borrower's asset ledger address, the transferred digital currency index identifier, a first intelligent contract and the amount of transferred digital currency that control subsequent transactions of the transferred digital currency; the pledge asset information includes: the property book address of the lender, the pledge property index identification, a second intelligent contract for controlling the subsequent transaction of the pledge property and the transaction information of partial repayment.

3. The system of claim 2, wherein the asset ledger system validating the on-chain digital currency portion transfer instructions with the borrower digital currency wallet signature comprises:

verifying the borrower digital currency wallet signature in the on-chain digital currency section transfer instructions; after the verification of the signature is confirmed to pass,

searching the authorized person address of the transferred digital currency according to the transferred digital currency information; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the borrower signature of the digital currency partial transfer instruction on the chain; and the number of the first and second groups,

verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received for the details of the digital currency asset after the transfer and the amount of digital currency received for the details of the digital currency asset retrieved;

if yes, the verification is confirmed to be passed.

4. The system of claim 3, wherein the on-chain digital money portion transfer instructions further comprise: calling parameters for subsequent trading of the pledge assets; the subsequent trading call parameter of the pledge asset is the trading information of the partial repayment;

the second intelligent contract in the pledge asset information comprises verification of a first trigger condition of subsequent transaction of the pledge asset, and the first trigger condition of the subsequent transaction of the pledge asset comprises a return trigger condition of the pledge asset;

the asset ledger system validating the on-chain digital currency portion transfer instructions, further comprising: judging whether the subsequent transaction calling parameters of the pledge assets meet the returning triggering conditions of the pledge assets or not;

and under the condition that the pledge asset return triggering condition is met, carrying out pledge asset return operation.

5. The system of claim 4, wherein performing a pledge return operation comprises:

the borrower digital asset wallet generates a pledge asset return instruction containing pledge asset information according to the pledge asset information; the pledge asset return instructions include: the pledge asset information, the pledge return asset information; the borrower digital asset wallet is further to: signing the pledge asset returning instruction, and then sending the pledge asset returning instruction with the borrower digital asset wallet signature to the asset ledger system; alternatively, the first and second electrodes may be,

and the asset ledger book system performs automatic pledge asset returning operation according to the pledge asset information.

6. The system of claim 5, wherein the asset ledger system is further configured to:

executing a second intelligent contract contained in the pledge asset information to verify the pledge asset return instruction with the borrower signature; and after the verification is passed, spending the pledge asset information and generating pledge return asset information corresponding to the borrower's asset book address.

7. The system of claim 6, wherein the asset ledger system validates the pledge return instructions with borrower digital asset wallet signature, comprising:

verifying the signature of the borrower digital asset wallet in the pledge return instruction; after the verification of the signature is confirmed to pass,

verifying whether the asset account book address of the borrower is consistent with a user public key corresponding to the borrower digital asset wallet signature of the pledge asset return instruction;

determining the repayment amount of the pledge asset according to the transaction information of the partial repayment, and verifying whether the repayment amount of the pledge asset reaches the repayment condition of the pledge asset;

if yes, the verification is confirmed to be passed.

8. The system of claim 2, wherein the borrower digital money wallet, prior to generating the on-chain digital money portion transfer instructions, is further configured to:

generating digital currency query request information on a borrower chain according to query requirements input and/or selected by the borrower in an asset query function interface on the chain; and sending a digital currency query request message on the borrower chain with the borrower digital currency wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the digital currency query request information on the borrower chain with the borrower signature, adding the signature to the digital currency query result information on the borrower chain after the verification is passed, and returning to a borrower digital currency wallet in the borrower asset application terminal system;

the borrower digital currency wallet is further to: and verifying the digital currency query result information on the borrower chain, and displaying the digital currency query result information on the borrower chain to the borrower after the verification is passed.

9. The system of claim 2, further comprising: lender asset application terminal systems; the lender asset application terminal system comprises: lender digital asset wallets, lender digital currency wallets;

before the borrower digital money wallet generating on-chain digital money portion transfer instructions, the lender digital money wallet further to:

generating digital currency query request information on a lender chain according to query requirements input and/or selected by the lender in an asset query function interface on the chain; and sending a digital currency query request message on the lender chain with the lender digital currency wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the digital currency inquiry request information on the lender chain with the signature of the lender digital currency wallet, adding the signature to the digital currency inquiry result information on the lender chain after the verification is passed, and returning to the lender digital currency wallet in the lender asset application terminal system;

the lender digital currency wallet is further configured to: and verifying the digital currency query result information on the lender chain, and displaying the digital currency query result information on the lender chain to the lender after the verification is passed.

10. The system of claim 2, wherein the borrower digital asset wallet, prior to generating the on-chain digital currency portion transfer instructions, is further configured to:

generating borrower pledge asset repayment condition query request information according to query requirements input and/or selected by the borrower in the on-chain asset query function interface; and transmitting borrower pledge asset repayment condition query request information with the borrower digital asset wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the borrower pledge asset repayment condition inquiry request information with the borrower signature, adding the signature to pledge asset repayment condition inquiry result information after the verification is passed, and returning to a borrower digital asset wallet in the borrower asset application terminal system;

the borrower digital asset wallet is further to: verifying the pledge asset repayment condition query result information, displaying the pledge asset repayment condition query result information to the borrower after the verification is passed, and updating the pledge asset repayment condition query result information into the pledge asset information.

11. The system of claim 9 wherein prior to the borrower digital money wallet generating on-chain digital money portion transfer instructions, the lender digital asset wallet is further configured to:

generating lender pledge asset repayment condition query request information according to query requirements input and/or selected by the lender in the on-chain asset query function interface; and transmitting lender pledge asset repayment condition query request information with the lender digital asset wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the lender pledge asset repayment condition query request information with the lender signature, adding the signature to pledge asset repayment condition query result information and returning to a lender digital asset wallet in the lender asset application terminal system after the verification is passed;

the lender digital asset wallet is further to: and verifying the pledge asset repayment condition query result information, displaying the pledge asset repayment condition query result information to the lender after the verification is passed, and updating the pledge asset repayment condition query result information into the pledge asset information.

12. The system of any one of claims 1 to 11, wherein the borrower asset application terminal system is further configured to:

generating first pledge returned asset query request information according to query requirements input and/or selected by the borrower in an on-chain asset query function interface, and then sending the first pledge returned asset query request information with the borrower signature to the asset book system;

the asset ledger system is further configured to: verifying the pledge returned asset query request information with the borrower signature, and after the verification is passed, adding the signature to the first pledge returned asset information and returning the first pledge returned asset information to the borrower asset application terminal system;

the borrower asset application terminal system is further configured to: and verifying the pledge return asset information, and displaying pledge asset return success information to the borrower after the verification is passed.

13. The system of any one of claims 1 to 11, wherein the lender asset application terminal system is further configured to:

generating second pledge returned asset query request information according to the query requirements input and/or selected by the lender in the on-chain asset query function interface, and then sending the second pledge returned asset query request information with the lender signature to the asset book system;

the asset ledger system is further configured to: verifying the pledge returned asset query request information with the lender signature, and after the verification is passed, adding the signature to the pledge returned asset information and returning the pledge returned asset information to the borrower asset application terminal system;

the borrower asset application terminal system is further configured to: and verifying the second pledge returned asset information, and displaying pledge asset returning success information to the lender after the verification is passed.

14. A method for on-chain pledge asset partial payment through on-chain settlement, comprising:

the borrower asset application terminal system generates a chain digital currency part transfer instruction based on the amount of the digital currency to be returned and lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system;

the asset ledger system executing a first smart contract contained in transferred digital currency information of the on-chain digital currency portion transfer instructions to validate the on-chain digital currency portion transfer instructions with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.

Technical Field

The invention relates to the technical field of digital assets, in particular to a chain pledge asset partial payment system and a chain pledge asset partial payment method through chain settlement.

Background

At present, the blockchain technology is rapidly developed, and the blockchain is used as a decentralized novel distributed computing paradigm and provides technical support for the operation of various digital assets on a distributed network. The digital assets run on a distributed network of a block chain, the global multi-node consensus accounting is carried out in a mode of sharing an account book without depending on accounting of a specific third party or a central party, and a safety system of technical guarantee is realized through an encryption algorithm.

Disclosure of Invention

In view of this, an embodiment of the present invention provides a chain pledge asset part repayment system through chain settlement, which can initiate a chain digital currency part transfer instruction by a borrower asset application terminal system, execute the chain digital currency part transfer instruction by an asset ledger system, and generate transferred digital currency information; and returning the pledge assets once after the balance is cleared for the last time; the method realizes the complete transaction process of on-chain digital currency repayment and on-chain pledge asset return, controls the on-chain digital currency repayment and on-chain pledge asset return process through the intelligent contract, and reduces the transaction risk.

To achieve the above objects, according to one aspect of the embodiments of the present invention, there is provided a chain pledge property part payment system through chain settlement.

The system for repayment of the chain pledge asset part through chain settlement comprises the following components: a borrower asset application terminal system and an asset ledger system; wherein the content of the first and second substances,

the borrower asset application terminal system is used for generating an on-chain digital currency part transfer instruction containing the information of the transferred digital currency based on the amount of the digital currency to be returned and the lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system;

the asset ledger system for executing a first intelligent contract contained in the transferred digital currency information to validate the on-chain digital currency portion transfer instruction with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.

Optionally, the borrower asset application terminal system comprises: a borrower digital asset wallet, a borrower digital currency wallet;

the borrower asset application terminal system generates an on-chain digital currency portion transfer instruction comprising: the borrower digital currency wallet generates an on-chain digital currency portion transfer instruction;

the on-chain digital money portion transfer instructions include: the transferred digital currency information, the retrieved digital currency information and the pledge asset information;

wherein the transferred digital currency information comprises: the borrower's asset ledger address, the transferred digital currency index identifier, a first intelligent contract and the amount of transferred digital currency that control subsequent transactions of the transferred digital currency; the pledge asset information includes: the property book address of the lender, the pledge property index identification, a second intelligent contract for controlling the subsequent transaction of the pledge property and the transaction information of partial repayment.

Optionally, the asset ledger system validating the on-chain digital currency portion transfer instructions with the borrower digital currency wallet signature, comprising:

verifying the borrower digital currency wallet signature in the on-chain digital currency section transfer instructions; after the verification of the signature is confirmed to pass,

searching the authorized person address of the transferred digital currency according to the transferred digital currency information; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the borrower signature of the digital currency partial transfer instruction on the chain; and the number of the first and second groups,

verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received for the details of the digital currency asset after the transfer and the amount of digital currency received for the details of the digital currency asset retrieved;

if yes, the verification is confirmed to be passed.

Optionally, the on-chain digital money portion transfer instructions further comprise: calling parameters for subsequent trading of the pledge assets; the subsequent trading call parameter of the pledge asset is the trading information of the partial repayment;

the second intelligent contract in the pledge asset information comprises verification of a first trigger condition of subsequent transaction of the pledge asset, and the first trigger condition of the subsequent transaction of the pledge asset comprises a return trigger condition of the pledge asset;

the asset ledger system validating the on-chain digital currency portion transfer instructions, further comprising: judging whether the subsequent transaction calling parameters of the pledge assets meet the returning triggering conditions of the pledge assets or not;

and under the condition that the pledge asset return triggering condition is met, carrying out pledge asset return operation.

Optionally, a pledge asset return operation is performed, comprising:

the borrower digital asset wallet generates a pledge asset return instruction containing pledge asset information according to the pledge asset information; the pledge asset return instructions include: the pledge asset information, the pledge return asset information; the borrower digital asset wallet is further to: signing the pledge asset returning instruction, and then sending the pledge asset returning instruction with the borrower digital asset wallet signature to the asset ledger system; alternatively, the first and second electrodes may be,

and the asset ledger book system performs automatic pledge asset returning operation according to the pledge asset information.

Optionally, the asset ledger system is further configured to: executing a second intelligent contract contained in the pledge asset information of the pledge asset returning instruction so as to verify the pledge asset returning instruction with the borrower signature; and after the verification is passed, spending the pledge asset information and generating pledge return asset information corresponding to the borrower's asset book address.

Optionally, the asset ledger system verifies the pledge return instruction with the borrower digital asset wallet signature, comprising:

verifying the signature of the borrower digital asset wallet in the pledge return instruction; after the verification of the signature is confirmed to pass,

verifying whether the asset account book address of the borrower is consistent with a user public key corresponding to the borrower digital asset wallet signature of the pledge asset return instruction;

determining the repayment amount of the pledge asset according to the transaction information of the partial repayment, and verifying whether the repayment amount of the pledge asset reaches the repayment condition of the pledge asset;

if so, the verification is confirmed to be passed.

Optionally, the borrower digital money wallet, prior to generating the on-chain digital money portion transfer instructions, is further to:

generating digital currency query request information on a borrower chain according to query requirements input and/or selected by the borrower in an asset query function interface on the chain; and sending a digital currency query request message on the borrower chain with the borrower digital currency wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the digital currency query request information on the borrower chain with the borrower signature, adding the signature to the digital currency query result information on the borrower chain after the verification is passed, and returning to a borrower digital currency wallet in the borrower asset application terminal system;

the borrower digital currency wallet is further to: and verifying the digital currency query result information on the borrower chain, and displaying the digital currency query result information on the borrower chain to the borrower after the verification is passed.

Optionally, the system further comprises: lender asset application terminal systems; the lender asset application terminal system comprises: lender digital asset wallets, lender digital currency wallets;

before the borrower digital money wallet generating on-chain digital money portion transfer instructions, the lender digital money wallet further to:

generating digital currency query request information on a lender chain according to query requirements input and/or selected by the lender in an asset query function interface on the chain; and sending a digital currency query request message on the lender chain with the lender digital currency wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the digital currency inquiry request information on the lender chain with the signature of the lender digital currency wallet, adding the signature to the digital currency inquiry result information on the lender chain after the verification is passed, and returning to the lender digital currency wallet in the lender asset application terminal system;

the lender digital currency wallet is further configured to: and verifying the digital currency query result information on the lender chain, and displaying the digital currency query result information on the lender chain to the lender after the verification is passed.

Optionally, the borrower digital asset wallet, prior to generating the on-chain digital currency portion transfer instructions, is further configured to:

generating borrower pledge asset repayment condition query request information according to query requirements input and/or selected by the borrower in the on-chain asset query function interface; and transmitting borrower pledge asset repayment condition query request information with the borrower digital asset wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the borrower pledge asset repayment condition inquiry request information with the borrower signature, adding the signature to pledge asset repayment condition inquiry result information after the verification is passed, and returning to a borrower digital asset wallet in the borrower asset application terminal system;

the borrower digital asset wallet is further to: verifying the pledge asset repayment condition query result information, displaying the pledge asset repayment condition query result information to the borrower after the verification is passed, and updating the pledge asset repayment condition query result information into the pledge asset information.

Optionally, before the borrower digital money wallet generating on-chain digital money portion transfer instructions, the lender digital asset wallet is further configured to:

generating lender pledge asset repayment condition query request information according to query requirements input and/or selected by the lender in the on-chain asset query function interface; and transmitting lender pledge asset repayment condition query request information with the lender digital asset wallet signature to the asset ledger system;

the asset ledger system is further configured to: verifying the lender pledge asset repayment condition query request information with the lender signature, adding the signature to pledge asset repayment condition query result information and returning to a lender digital asset wallet in the lender asset application terminal system after the verification is passed;

the lender digital asset wallet is further to: and verifying the pledge asset repayment condition query result information, displaying the pledge asset repayment condition query result information to the lender after the verification is passed, and updating the pledge asset repayment condition query result information into the pledge asset information.

Optionally, the borrower asset application terminal system is further configured to:

generating first pledge returned asset query request information according to query requirements input and/or selected by the borrower in an on-chain asset query function interface, and then sending the first pledge returned asset query request information with the borrower signature to the asset book system;

the asset ledger system is further configured to: verifying the pledge returned asset query request information with the borrower signature, and after the verification is passed, adding the signature to the first pledge returned asset information and returning the first pledge returned asset information to the borrower asset application terminal system;

the borrower asset application terminal system is further configured to: and verifying the pledge return asset information, and displaying pledge asset return success information to the borrower after the verification is passed.

Optionally, the lender asset application terminal system is further configured to:

generating second pledge returned asset query request information according to the query requirements input and/or selected by the lender in the on-chain asset query function interface, and then sending the second pledge returned asset query request information with the lender signature to the asset book system;

the asset ledger system is further configured to: verifying the pledge returned asset query request information with the lender signature, and after the verification is passed, adding the signature to the pledge returned asset information and returning the pledge returned asset information to the borrower asset application terminal system;

the borrower asset application terminal system is further configured to: verifying the second pledge returned asset information, and displaying pledge asset returning success information to the lender after the verification is passed

According to another aspect of an embodiment of the present invention, there is provided a method for partial payment of an on-chain pledge asset through on-chain settlement.

The method for repayment of the chain pledge asset part through chain settlement comprises the following steps: the borrower asset application terminal system generates a chain digital currency part transfer instruction based on the amount of the digital currency to be returned and lender information selected and/or input by the borrower; thereafter sending an on-chain digital currency portion transfer instruction with the borrower signature to the asset ledger system; the asset ledger system executing a first smart contract contained in transferred digital currency information of the on-chain digital currency portion transfer instructions to validate the on-chain digital currency portion transfer instructions with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.

One embodiment of the above invention has the following advantages or benefits: initiating an on-chain digital currency part transfer instruction by a borrower asset application terminal system, executing the on-chain digital currency part transfer instruction by an asset account book system, and generating transferred digital currency information; and returning the pledge assets once after the balance is cleared for the last time; the method realizes the complete transaction process of on-chain digital currency repayment and on-chain pledge asset return, controls the on-chain digital currency repayment and on-chain pledge asset return process through the intelligent contract, and reduces the transaction risk.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the major subsystems of a chain pledge asset partial payment system through chain settlement in one embodiment of the present invention;

FIG. 2 is a schematic diagram of the main process flow of the pledge asset return through the chain pledge asset partial repayment system of the chain settlement according to the first embodiment of the present invention;

FIG. 3 is a schematic diagram of the main process flow of the pledge asset return through the chain pledge asset partial repayment system of the chain settlement according to the second embodiment of the present invention;

FIG. 4 is a schematic diagram of the main flow of a pledge return asset query via a chain-settled chain pledge asset partial repayment system according to a third embodiment of the present invention;

FIG. 5 is a schematic diagram of the main flow of a pledge return asset query via a chain-settled chain pledge asset partial repayment system according to a fourth embodiment of the present invention;

fig. 6 is a schematic flow chart of a method for repayment of a portion of an online pledge asset through online settlement according to an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

In the first embodiment of the invention, the borrower is a user who initiates a transfer instruction of the digital currency part on the chain to carry out repayment operation; the lender is a user who receives the repayment of the digital currency on the chain and corresponds to the pledge asset address. Based on the pledge financing transaction that the borrower and the lender have already agreed upon, they also agree upon the following transactions: the borrower performs the operation of repayment of the debt to the lender through the digital currency on the chain, and when the debt to the lender is settled out in the last repayment operation, the operation of returning the pledge assets corresponding to the settled out debt of the borrower to the borrower is completed in the asset book system. In order to realize the above-mentioned on-chain digital currency repayment and on-chain pledge asset return transaction, a blockchain and an intelligent contract are introduced in the embodiment. The intelligent contract is distributed execution software which runs on a block chain shared account book and has the characteristics of automation, mandatory execution and credible safety. After the transaction is initiated, the intelligent contract can control the safe and reliable completion of the return of the chain pledge assets and other operations according to the result of the chain repayment. The specific realization principle is as follows:

the borrower initiates an on-chain digital currency repayment operation, generates a digital currency transfer instruction and sends the digital currency transfer instruction to the asset ledger system; the asset ledger system verifies the digital money transfer instructions, and executes the digital money transfer instructions after the verification is passed, and transfers the digital money to the lender under the control of the intelligent contract. In the implementation process, the transaction process is controlled through the intelligent contract, the transaction is safe and reliable, and the transaction risk is prevented.

FIG. 1 is a schematic diagram of the major subsystems of a chain pledge asset partial payment system through chain settlement in one embodiment of the present invention; as shown in fig. 1, a chain pledge asset partial payment system 100 according to a first embodiment of the present invention mainly includes:

the borrower asset application terminal system 101 is used for generating an on-chain digital money part transfer instruction containing the information of the transferred digital money based on the amount of the digital money to be returned and the lender information selected and/or input by the borrower; the on-chain digital currency portion transfer instruction with the borrower signature is then sent to the asset ledger system 102.

The borrower asset application terminal system 101 initiates online pledge asset part repayment request information through online settlement based on lender account information and amount due selected and/or input by the borrower in the user interface; the amount of the digital currency returned in one repayment operation can be smaller than the financing repayment amount corresponding to all the pledge assets; the borrower asset application terminal system 101 generates an on-chain digital currency part transfer instruction according to the return request information and signs the instruction; the on-chain digital currency portion transfer instruction with the borrower signature is then sent to the asset ledger system.

The asset ledger system 102 for executing the first intelligent contract contained in the transferred digital currency information to validate the on-chain digital currency portion transfer instruction with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and meanwhile, transaction information of partial repayment is updated to the pledge asset information of the asset ledger system.

The intelligent contract layer execution module of the asset account book system executes verification operation, and the verification operation comprises the following steps:

verifying the borrower digital currency wallet signature in the on-chain digital currency section transfer instructions; after the signature verification is confirmed to pass, searching the address of the licensee of the transferred digital currency according to the information of the transferred digital currency; verifying whether the found authorized person address of the transferred digital currency is consistent with the user public key corresponding to the borrower signature of the digital currency partial transfer instruction on the chain; and verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received by the transferred digital currency asset detail and the amount of digital currency received by the retrieved digital currency asset detail; if yes, the verification is confirmed to be passed.

After the verification is passed, the intelligent contract layer execution module executes the chain digital currency part transfer instruction, spends the transferred digital currency information and generates the transferred digital currency information corresponding to the lender, and meanwhile, updates the transaction information of partial repayment to the pledge asset information of the asset ledger system.

The meaning of "cost" in "cost a message, generate corresponding B message" can be understood as: and generating a corresponding B message according to the A message, marking the state of the A message as a spent state, and establishing an incidence relation representing the expense with the B message. The meaning of "cost" throughout can be understood as above.

Fig. 2 is a schematic view of a main flow of the pledge asset return through a chain pledge asset partial repayment system with chain settlement according to an embodiment of the present invention. . As shown in fig. 2, a main process of repayment of the chain pledge property part through chain settlement in the first embodiment of the present invention includes the following steps:

step S201: and the borrower accesses the borrower asset application terminal system installed on the borrower terminal equipment, submits the identification information according to a preset login identification mode and logs in the borrower asset application terminal system. The asset application terminal system is system software which is installed on the terminal equipment and corresponds to the asset ledger system; a user may download and install asset application end system software from an asset hosting system by accessing the asset hosting system. The terminal device may be various electronic devices having a display screen and supporting web browsing, such as a mobile phone, a tablet computer, a desktop computer, and the like. The login identification mode can be a user name and password identification mode, a fingerprint identification mode, a face identification mode and the like, and the corresponding identification information can be: a user name and a password, or an identification code in a preset format corresponding to the user name. The identification code in the preset format may be a password in the form of characters, or may be a biometric identification code, such as a fingerprint, facial information, iris information, etc. of the user.

And after the borrower asset application terminal system identifies the user, determining that the borrower is a user locally associated with a private key of the specific user. The borrower asset application terminal system includes a local security module in which a user private key and a user public key are stored. And the user public key and the user private key are generated by the asset application terminal system locally by adopting an asymmetric encryption algorithm. The user private key can be used for signing data information such as user identity information, user bank card information, user biological identification code information or user identity certificate and the like, and can also be used for signing digital asset information in subsequent asset transaction or financing process so as to confirm ownership of transaction; the user public key can be used for correspondingly verifying the data information signed by the user private key.

It should be noted that during the asset transaction, it may be either a real-name user transaction or an anonymous user transaction. The asset hosting system stores real-name account book records corresponding to the users. The asset hosting system may be a system that hosts registration management of a user to under-link real-name registered assets by designated asset hosting parties and registration management of a process of publishing digital assets on a blockchain by hosted assets, which may be accessed by the user via the Web or otherwise, the process of publishing digital assets including an off-link asset uplink process and an on-link asset downlink process. The method comprises the following steps that firstly, a user is managed by an asset management part, and then the asset management system issues digital assets on a chain to an asset account book system based on a block chain; and (4) performing the on-chain asset downgoing, namely, invalidating the digital assets of the user on the blockchain, and returning and transferring the under-chain managed assets corresponding to the digital assets to the user. The real-name account book record comprises: an identity certificate associated with identity information of a user and an asset ledger address associated with identity information of the user, the identity certificate comprising: the identity of the user and the user public key. The assets on the chain correspond to at least one asset ledger address, and the asset ledger address corresponds to the user public key, so that a user holding the user private key corresponding to the user public key can operate the assets on the chain. The identity certificate may be a CA (certificate Authority) certificate provided for information non-repudiation.

Step S202: the borrower asset application terminal system carries out on-chain payment through digital currency, and generates an on-chain digital currency part transfer instruction based on the returned digital currency quantity and lender information selected and/or input by the borrower; the on-chain digital currency portion transfer instruction with the borrower signature is then sent to the asset ledger system. The amount of the returned digital currency in one transfer operation can be smaller than the financing repayment amount corresponding to all the pledge assets.

In an alternative embodiment, the on-chain digital money portion transfer instructions include: the transferred digital currency information, the transferred digital currency information and the digital currency information are retrieved; the transferred digital money information includes: the borrower's asset ledger address, the transferred digital currency index identifier, a first intelligent contract and the amount of transferred digital currency that control subsequent transactions of the transferred digital currency; wherein, the transferred digital currency information needs to contain a transferred digital currency index identifier to indicate that the transferred digital currency is identified based on the mode of currency and not based on the account mode;

the process of chain payment by digital currency is: the borrower asset application terminal system generates an on-chain digital currency portion transfer instruction based on the lender digital currency wallet address information and the payable digital currency selected and/or entered by the borrower. The first smart contract contained in the transferred digital currency information in the on-chain digital currency portion transfer instructions may control subsequent transactions of the transferred digital currency.

Step S203: and an intelligent contract layer execution module of the asset account book system verifies the partial transfer instruction of the digital currency on the chain, after the verification is passed, the transferred digital currency information is spent, the transferred digital currency information corresponding to the lender is generated, and meanwhile, the transaction information of partial repayment is updated to the pledge asset information of the asset account book system.

Wherein the pledge asset information includes: the property book address of the lender, the pledge property index identification, a second intelligent contract for controlling the subsequent transaction of the pledge property and the transaction information of partial repayment; a pledge asset index identifier for identifying a designation when retrieving asset information to indicate that the pledge asset is identified based on an asset serial number or a schema of the asset index, and not based on an account schema; the transaction information of partial repayment can be used for calculating the unpaid amount of the pledge assets, and further used for subsequent judgment.

In particular, the asset ledger system executes a first smart contract contained in the transferred digital currency information of the on-chain digital currency portion transfer instruction to validate the on-chain digital currency portion transfer instruction with the borrower signature; after the verification is passed, the transferred digital currency information is spent and post-transfer digital currency information corresponding to the lender is generated, and the transferred digital currency is transferred to the lender.

Validating the digital money portion transfer instructions on the chain includes: verifying a signature of said borrower digital money wallet in a digital money portion transfer instruction on a chain; after the signature verification is confirmed to pass, searching the address of the licensee of the transferred digital currency according to the information of the transferred digital currency; verifying whether the found authorized person address of the transferred digital currency is consistent with a user public key corresponding to the borrower digital currency wallet signature of the digital currency partial transfer instruction on the chain; and verifying whether the found amount of digital currency transferred is equal to the sum of the amount of digital currency received by the transferred digital currency asset detail and the amount of digital currency received by the retrieved digital currency asset detail; if so, the digital currency portion transfer instructions on the validation chain are confirmed to pass.

Step S204: and an intelligent contract layer execution module of the asset account book system records execution result information of the transfer instruction of the digital currency part on the chain to a consensus account book layer execution module, and updates transaction information of partial repayment to pledge asset information of the asset account book system. The information on the results of the execution of the on-chain digital money portion transfer instructions includes: spending the transferred digital currency information and generating post-transfer digital currency information corresponding to the lender. And meanwhile, updating the transaction information of partial repayment to the pledge asset information of the asset ledger system.