阅读说明：本技术 基于区块链的资产管理方法、装置及电子设备 (Asset management method and device based on block chain and electronic equipment ) 是由 王吉元 刘晓磊 于 2021-09-06 设计创作，主要内容包括：本说明书一个或多个实施例提供一种基于区块链的资产管理方法、装置及电子设备,应用于区块链中的节点设备；区块链支持的账户类型包括资产账户；资产账户的账户结构包括用于填充数字资产价值锚定的货币的币种信息的第一字段,以及用于填充数字资产与价值锚定的货币之间的兑换关系的第二字段；该方法包括：接收购买方发起的针对价格由目标货币标定的目标数字商品的购买交易；响应于购买交易,确定用于商品支付的第一资产账户中的币种信息是否匹配目标货币；如果是,基于第一资产账户中的兑换关系计算与目标数字商品的价格价值锚定的目标数字资产的目标资产数额；从第一资产账户向出售方的第二资产账户转移与目标资产数额对应的目标数字资产。(One or more embodiments of the present specification provide an asset management method, apparatus, and electronic device based on a blockchain, which are applied to a node device in the blockchain; the types of accounts supported by the blockchain include asset accounts; the account structure of the asset account includes a first field for populating currency information of the digital asset value-anchored currency, and a second field for populating an exchange relationship between the digital asset and the value-anchored currency; the method comprises the following steps: receiving a purchase transaction initiated by a purchaser for a target digital good whose price is scaled by a target currency; determining whether currency information in a first asset account for payment of the good matches a target currency in response to the purchase transaction; if yes, calculating a target asset amount of the target digital asset anchored with the price value of the target digital commodity based on the exchange relationship in the first asset account; transferring a target digital asset corresponding to the target asset amount from the first asset account to a second asset account of the seller.)

1. An asset management method based on a block chain is applied to node equipment in the block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the method comprises the following steps:

receiving a first purchase transaction initiated by a purchaser for a target digital good; wherein the price of the target digital commodity is calibrated by the target currency; the first purchase transaction includes an account identification of a first asset account for making a payment for the good;

in response to the first purchase transaction, obtaining currency information populated in the first field in the first asset account and determining whether a currency corresponding to the currency information matches the target currency; if yes, further acquiring the exchange relationship filled in the second field in the first asset account, and calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship; and the number of the first and second groups,

transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete a merchandise payment for the target digital merchandise; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

2. The method of claim 1, the account structure of the asset account further comprising a third field; the third field is used to populate an asset amount of a digital asset held by the asset account;

the transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete the merchandise payment for the target digital merchandise includes:

updating the asset amounts filled in the third fields in the first asset account and the second asset account respectively based on the target asset amount to complete the commodity payment for the target digital commodity.

3. The method of any of claims 1 to 2, the account structure of the asset account further comprising a fourth field; the fourth field is used to populate an asset identification of a digital asset held by the asset account.

4. The method of claim 1, the types of accounts supported by the blockchain further comprising a funding account for holding currency; the account structure of the funding account comprises a first field and a second field; the first field is used for filling currency information of the currency; the second field is used for filling a credit line corresponding to the currency;

the method further comprises the following steps:

receiving a second purchase transaction initiated by the purchaser for the target digital good; wherein the second purchase transaction includes an account identification of a first funding account for making payment for the good;

in response to the second purchase transaction, obtaining currency information populated in the first field in the first funding account and determining whether a currency corresponding to the currency information matches the target currency; if so, further transferring the target currency corresponding to the price of the target digital commodity from the first fund account to a second fund account to complete commodity payment for the target digital commodity; wherein the second funding account is a funding account of a seller of the target digital good for holding the target currency.

5. The method of claim 4, the account structure of the funding account further comprising a third field; the third field is used to populate a credit used amount corresponding to the currency held by the financial account;

the transferring the target currency corresponding to the price of the target digital good from the first funding account to a second funding account to complete a good payment for the target digital good includes:

determining whether a target amount of funds in the target currency corresponding to the price of the target digital good exceeds the credit amount filled in the second field in the first funds account by a difference from the credit used amount filled in the third field in the first funds account;

if the target fund amount does not exceed the difference value, updating the credit used amount filled in the third field in the first fund account and the second fund account respectively based on the target fund amount so as to complete commodity payment for the target digital commodity.

6. The method of claim 4, the account structure of the funding account further comprising a third field and a fourth field; the third field is used to populate a credit used amount corresponding to the currency held by the financial account; the fourth field is for populating a fund amount of a currency held by the fund account;

the transferring the target currency corresponding to the price of the target digital good from the first funding account to a second funding account to complete a good payment for the target digital good includes:

determining whether a target amount of funds in the target currency corresponding to the price of the target digital good, a first difference in the amount of funds filled in the fourth field in the first funds account, exceeds the amount of credit filled in the second field in the first funds account, and a second difference in the amount of credit used filled in the third field in the first funds account;

if the first difference does not exceed the second difference, updating the credit used amount filled in the third field and the fund amount filled in the fourth field in the first fund account and the fund amount filled in the fourth field in the second fund account respectively based on the target fund amount to complete the commodity payment for the target digital commodity.

7. An asset management method based on a block chain is applied to node equipment in the block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the method comprises the following steps:

receiving a purchase transaction initiated by a purchaser for a target digital good; wherein the price of the target digital commodity is calibrated by the target currency; the purchase transaction includes a user identification of the purchaser;

in response to the purchase transaction, obtaining a first asset account corresponding to the user identification; wherein a currency corresponding to the currency information populated in the first field in the first asset account matches the target currency; and the number of the first and second groups,

acquiring the exchange relationship filled in the second field in the first asset account, calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship, and transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete commodity payment for the target digital commodity; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

8. The method of claim 7, the account structure of the asset account further comprising a third field; the third field is used to populate an asset amount of a digital asset held by the asset account;

the transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete the merchandise payment for the target digital merchandise includes:

updating the asset amounts filled in the third fields in the first asset account and the second asset account respectively based on the target asset amount to complete the commodity payment for the target digital commodity.

9. The method of any of claims 7 to 8, the account structure of the asset account further comprising a fourth field; the fourth field is used to populate an asset identification of a digital asset held by the asset account.

10. The method of claim 7, the types of accounts supported by the blockchain further comprising a funding account for holding currency;

the obtaining of the first asset account corresponding to the user identifier includes:

determining whether a payment account for the payment of the goods for the target digital good is the asset account or the funding account;

and if the payment account is the asset account, acquiring a first asset account corresponding to the user identification.

11. The method of claim 10, the account structure of the funding account comprising a first field and a second field; the first field is used for filling currency information of the currency; the second field is used for filling a credit line corresponding to the currency;

the method further comprises the following steps:

if the payment account is the fund account, acquiring a first fund account corresponding to the user identification; wherein a currency corresponding to the currency information populated in the first field in the first funding account matches the target currency; and the number of the first and second groups,

transferring the target currency corresponding to the price of the target digital good from the first funding account to a second funding account to complete a good payment for the target digital good; wherein the second funding account is a funding account of a seller of the target digital good for holding the target currency.

12. The method of claim 11, the account structure of the funding account further comprising a third field; the third field is used to populate a credit used amount corresponding to the currency held by the financial account;

the transferring the target currency corresponding to the price of the target digital good from the first funding account to a second funding account to complete a good payment for the target digital good includes:

determining whether a target amount of funds in the target currency corresponding to the price of the target digital good exceeds the credit amount filled in the second field in the first funds account by a difference from the credit used amount filled in the third field in the first funds account;

if the target fund amount does not exceed the difference value, updating the credit used amount filled in the third field in the first fund account and the second fund account respectively based on the target fund amount so as to complete commodity payment for the target digital commodity.

13. The method of claim 11, the account structure of the funding account further comprising a third field and a fourth field; the third field is used to populate a credit used amount corresponding to the currency held by the financial account; the fourth field is for populating a fund amount of a currency held by the fund account;

the transferring the target currency corresponding to the price of the target digital good from the first funding account to a second funding account to complete a good payment for the target digital good includes:

determining whether a target amount of funds in the target currency corresponding to the price of the target digital good, a first difference in the amount of funds filled in the fourth field in the first funds account, exceeds a second difference in the amount of credit filled in the second field in the first funds account and the amount of credit used filled in the third field in the first funds account;

if the first difference does not exceed the second difference, updating the credit used amount filled in the third field and the fund amount filled in the fourth field in the first fund account and the fund amount filled in the fourth field in the second fund account respectively based on the target fund amount to complete the commodity payment for the target digital commodity.

14. An asset management device based on a block chain is applied to node equipment in the block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the device comprises:

the receiving module is used for receiving a first purchase transaction initiated by a purchaser and aiming at the target digital commodity; wherein the price of the target digital commodity is calibrated by the target currency; the first purchase transaction includes an account identification of a first asset account for making a payment for the good;

an acquisition module that acquires currency information filled in the first field in the first asset account in response to the first purchase transaction, and determines whether a currency corresponding to the currency information matches the target currency; if yes, further acquiring the exchange relationship filled in the second field in the first asset account, and calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship; and the number of the first and second groups,

a payment module to transfer the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete a merchandise payment for the target digital merchandise; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

15. An asset management device based on a block chain is applied to node equipment in the block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the device comprises:

the receiving module is used for receiving a purchase transaction initiated by a purchaser and aiming at the target digital commodity; wherein the price of the target digital commodity is calibrated by the target currency; the purchase transaction includes a user identification of the purchaser;

an acquisition module that acquires a first asset account corresponding to the user identification in response to the purchase transaction; wherein a currency corresponding to the currency information populated in the first field in the first asset account matches the target currency; and the number of the first and second groups,

the payment module is used for acquiring the exchange relationship filled in the second field in the first asset account, calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship, and transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account so as to complete commodity payment for the target digital commodity; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

16. An electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the method of any one of claims 1 to 6 or 7 to 13 by executing the executable instructions.

17. A computer readable storage medium having stored thereon computer instructions which, when executed by a processor, implement the method of any one of claims 1 to 6 or 7 to 13.

Technical Field

One or more embodiments of the present disclosure relate to the field of blockchain technologies, and in particular, to an asset management method and apparatus based on blockchain, and an electronic device.

Background

In a programmable blockchain, it is often possible to support the conversion of physical assets in the real world into digital assets on the blockchain. In such a case, it is necessary to create an asset account on the blockchain for holding the digital assets in order to manage the digital assets on the blockchain.

For a traditional blockchain, the account types supported are single numeric account; a value in a single numeric account that is an asset account represents the amount of an asset held by the asset account, but does not represent other information related to the digital asset held by the asset account. However, in an actual business scenario, a single numeric account is less suitable because of issues of often involving different transaction currencies, different payment modes, and so on.

Disclosure of Invention

The present specification proposes an asset management method based on a block chain, which is applied to a node device in the block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the method comprises the following steps:

receiving a first purchase transaction initiated by a purchaser for a target digital good; wherein the price of the target digital commodity is calibrated by the target currency; the first purchase transaction includes an account identification of a first asset account for making a payment for the good;

in response to the first purchase transaction, obtaining currency information populated in the first field in the first asset account and determining whether a currency corresponding to the currency information matches the target currency; if yes, further acquiring the exchange relationship filled in the second field in the first asset account, and calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship; and the number of the first and second groups,

transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete a merchandise payment for the target digital merchandise; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

The present specification also provides an asset management method based on a block chain, which is applied to node devices in the block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the method comprises the following steps:

receiving a purchase transaction initiated by a purchaser for a target digital good; wherein the price of the target digital commodity is calibrated by the target currency; the purchase transaction includes a user identification of the purchaser;

in response to the purchase transaction, obtaining a first asset account corresponding to the user identification; wherein a currency corresponding to the currency information populated in the first field in the first asset account matches the target currency; and the number of the first and second groups,

acquiring the exchange relationship filled in the second field in the first asset account, calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship, and transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete commodity payment for the target digital commodity; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

The present specification also provides an asset management apparatus based on a block chain, which is applied to a node device in the block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the device comprises:

the receiving module is used for receiving a first purchase transaction initiated by a purchaser and aiming at the target digital commodity; wherein the price of the target digital commodity is calibrated by the target currency; the first purchase transaction includes an account identification of a first asset account for making a payment for the good;

an acquisition module that acquires currency information filled in the first field in the first asset account in response to the first purchase transaction, and determines whether a currency corresponding to the currency information matches the target currency; if yes, further acquiring the exchange relationship filled in the second field in the first asset account, and calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship; and the number of the first and second groups,

a payment module to transfer the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete a merchandise payment for the target digital merchandise; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

The present specification also provides an asset management apparatus based on a block chain, which is applied to a node device in the block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the device comprises:

the receiving module is used for receiving a purchase transaction initiated by a purchaser and aiming at the target digital commodity; wherein the price of the target digital commodity is calibrated by the target currency; the purchase transaction includes a user identification of the purchaser;

an acquisition module that acquires a first asset account corresponding to the user identification in response to the purchase transaction; wherein a currency corresponding to the currency information populated in the first field in the first asset account matches the target currency; and the number of the first and second groups,

the payment module is used for acquiring the exchange relationship filled in the second field in the first asset account, calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship, and transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account so as to complete commodity payment for the target digital commodity; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

This specification also proposes an electronic device including:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the steps of the above method by executing the executable instructions.

The present specification also contemplates a computer-readable storage medium having stored thereon computer instructions which, when executed by a processor, implement the steps of the above-described method.

In the above technical solution, for the asset account created on the blockchain and used for holding the digital asset, since the account structure of the asset account may include a first field and a second field, where the first field is used for filling currency information of the currency of the digital asset value anchor, and the second field is used for filling the exchange relationship between the digital asset and the currency of the value anchor, it is equivalent to endowing the asset account with the ability of value anchor with currency of different currency and freely exchanging with currency of different currency of the value anchor, so that the asset account may be suitable for different business scenarios with different transaction currencies, and flexibility in accessing different business scenarios by using the asset account is improved.

Drawings

FIG. 1 is a schematic diagram of an asset account created on a blockchain as shown in an exemplary embodiment of the present description;

FIG. 2 is a schematic diagram of a funding account created on a blockchain as shown in an exemplary embodiment of the present description;

FIG. 3 is a flow chart of a blockchain-based asset management method shown in an exemplary embodiment of the present description;

FIG. 4 is a flow chart illustrating another blockchain-based asset management method in an exemplary embodiment of the present description;

FIG. 5 is a flow chart illustrating another blockchain-based asset management method in an exemplary embodiment of the present description;

FIG. 6 is a flow chart illustrating another blockchain-based asset management method in an exemplary embodiment of the present description;

FIG. 7 is a block diagram illustrating a hardware configuration of an electronic device in which a blockchain-based asset management device is located in an exemplary embodiment of the present disclosure;

FIG. 8 is a block diagram of a blockchain-based asset management device that is illustrated in an exemplary embodiment of the present description;

fig. 9 is a block diagram of another blockchain-based asset management device shown in an exemplary embodiment of the present specification.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.

It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.

Current blockchain systems typically include two mainstream transaction models; among them, one is a UTXO (un-spent Transaction Output) model represented by a bitcoin system; and the other is an account model represented by an etherhouse (Ethereum) system.

In the Account model, there is an important concept of an Account (Account). Taking an ether house as an example, the ether house generally divides an account into an external account and a contract account; the external account is an account directly controlled by the user and is also called as a user account; and the contract account is created by the user through an external account, the account containing the contract code (i.e. the smart contract).

For accounts in a blockchain, the account status of the account is usually maintained through a structure. When a transaction in a block is executed, the status of the account associated with the transaction in the block chain is also typically changed.

The structure of an account usually includes fields such as Balance, Nonce, Code and Storage; wherein:

a Balance field for maintaining the current account Balance of the account;

a Nonce field for maintaining a number of transactions for the account; the counter is used for guaranteeing that each transaction can be processed only once, and replay attack is effectively avoided;

a Code field for maintaining a contract Code for the account; in practical applications, only the hash value of the contract Code is typically maintained in the Code field; thus, the Code field is also commonly referred to as the Codhash field.

A Storage field for maintaining the Storage contents of the account (default field value is null); for a contract account, a separate storage space is usually allocated to store the storage content of the contract account; this separate storage space is often referred to as the account storage of the contract account.

In a programmable blockchain, it is often possible to support the conversion of physical assets in the real world into digital assets on the blockchain. Converting the physical assets to the digital assets generally refers to a process of "anchoring" the physical assets to the digital assets on the blockchain as a value support for the virtual assets, and further generating digital assets on the blockchain that match the value of the physical assets and can be circulated between blockchain accounts on the blockchain.

In the implementation process, the account types supported by the blockchain can be expanded, and an asset account (also called an asset object) is expanded on the basis of the account types supported by the blockchain; for example, an asset account can be expanded on the basis of an external account and a contract account supported by a block chain; the asset account, expanded, may serve as a vehicle for holding digital assets anchored to the physical asset value in the real world.

For a user accessing a block chain, in addition to completing the creation of a user account and an intelligent contract on the block chain, a digital asset matched with the value of an entity asset in the real world can be created on the block chain and circulated on the block chain; for example, a user may convert a physical asset, such as a held currency, real estate, stock, etc., into a value-matched digital asset for circulation over a blockchain.

Or, the account types supported by the blockchain may be expanded, and on the basis of the account types supported by the blockchain, a fund account (also called a fund object) is expanded; for example, an asset account can be expanded on the basis of an external account and a contract account supported by a block chain; the expanded funding account may serve as a medium for holding real-world currency and may be value-anchored to real-world funding accounts (e.g., savings accounts, credit accounts, etc.).

The asset account or the fund account may be maintained by a structure. The asset account or the structure of the fund account may contain the same content as the structure of the account.

However, based on the structure of the above accounts, the asset account for holding digital assets created on the blockchain can only maintain the asset amount of the digital assets held by the asset account through the Balance field therein, but cannot maintain other information related to the digital assets held by the asset account; a money account created on the blockchain for holding money can only maintain the amount of money held by the money account through the Balance field therein, and cannot maintain other information related to the money held by the money account. Thus, the asset account and the funding account are less applicable for practical business scenarios that often involve problems with different transaction currencies, etc.

In order to solve the above-described problems, the present specification proposes an asset account structure in a blockchain based on which an asset account created on the blockchain can be value-anchored with currencies of different currencies of which the value is anchored, and can be freely exchanged with currencies of different currencies of which the value is anchored.

In the implementation process, the account types supported by the block chain can be expanded, and an asset account is expanded on the basis of the account types supported by the block chain; the extended asset accounts may be used to hold digital assets created on the blockchain.

Wherein the digital assets can be value anchored to real-world currency. In this case, for the above-mentioned asset account holding the digital asset, the account structure of the asset account may include: a field (referred to as a first field) for populating currency information of the digital asset value-anchored currency; and a field (referred to as a second field) for populating the exchange relationship between the digital asset and the value-anchored currency.

In a first implementation, when a user (referred to as a purchaser) pays for a certain digital commodity (referred to as a target digital commodity) needing to be purchased by using the asset account, a purchase transaction (referred to as a first purchase transaction) for the target digital commodity can be initiated and issued to a blockchain, so that a node device in the blockchain can receive the first purchase transaction; wherein, the price of the target digital commodity can be calibrated by a certain currency (called target currency); for example, if the price of the target digital commodity is 100 yuan RMB, it means that the price of the target digital commodity is calibrated by RMB; the first purchase transaction may include an account identification of an asset account used to make payment for the good (referred to as a first asset account); the first asset account may be the asset account of the purchaser, i.e., the purchaser has usage rights for the first asset account.

When receiving the first purchase transaction, the node device in the blockchain may respond to the first purchase transaction, obtain currency information filled in the first field in the first asset account, and determine whether currency corresponding to the currency information matches the target currency. If so, it is stated that the digital asset held by the first asset account (referred to as a target digital asset) is anchored to the target monetary value, so that the first asset account can be used to pay for the target digital commodity, at this time, the exchange relationship filled in the second field in the first asset account may be further acquired, and based on the exchange relationship, the asset amount of the target digital asset anchored to the price value of the target digital commodity (referred to as a target asset amount) may be calculated, that is, based on the exchange relationship, the fund amount of the target currency corresponding to the price of the target digital commodity is converted into the target asset amount. For example, assume that the price of the above-mentioned target digital goods is 100 yuan; further assuming that the target digital asset is a virtual credit, the exchange relationship in the second field in the first asset account is 100: 1, the number of points for which the virtual total anchored to the price value of the target digital commodity can be calculated to be 10000.

In the case where the target asset amount is calculated, the target digital asset corresponding to the target asset amount may be transferred from the first asset account to another asset account (referred to as a second asset account) to complete the commodity payment for the target digital commodity. It should be noted that the second asset account is an asset account of the seller of the target digital commodity, that is, the seller has the usage right of the second asset account; the second asset account is also used to hold the target digital asset, i.e., the currency corresponding to the currency information in the first field of the second asset account also matches the target currency.

In a second implementation manner, when the purchaser pays for the target digital goods, the purchaser may initiate a purchase transaction for the target digital goods, and issue the purchase transaction to the blockchain, so that the node device in the blockchain may receive the purchase transaction; wherein the price of the target digital commodity can be calibrated by the target currency; the purchase transaction may include a user identification of the purchaser.

When receiving the purchase transaction, the node device in the block chain may respond to the purchase transaction to obtain the first asset account corresponding to the user identifier; the currency corresponding to the currency information in the first field in the first asset account matches the target currency, that is, the target digital asset held by the first asset account is anchored to the target currency, so that the first asset account can be used to pay for the target digital commodity.

In this case, the exchange relationship filled in the second field in the first asset account may be further acquired, and based on the exchange relationship, the target asset amount of the target digital asset anchored to the price value of the target digital commodity may be calculated, that is, based on the exchange relationship, the fund amount of the target currency corresponding to the price of the target digital commodity may be converted into the target asset amount. Subsequently, the target digital asset corresponding to the target asset amount may be further transferred from the first asset account to a second asset account to complete the merchandise payment for the target digital merchandise. It should be noted that the second asset account is an asset account of the seller of the target digital commodity, that is, the seller has the usage right of the second asset account; the second asset account is also used to hold the target digital asset, i.e., the currency corresponding to the currency information in the first field of the second asset account also matches the target currency.

In addition, the present specification also proposes a money account structure in a blockchain, based on which money accounts created on the blockchain can hold money of different currencies and can make payments with credit lines corresponding to the held currencies.

In the implementation process, the account types supported by the block chain can be expanded, and a fund account is expanded on the basis of the account types supported by the block chain; the expanded funds account may be used to hold currency.

For the fund account holding the currency, the account structure of the fund account may include: a field (referred to as a first field) for filling currency information of the currency; and a field (referred to as a second field) for populating a credit line corresponding to the currency.

In the first implementation manner, when the buyer pays for the target digital goods by using the fund account, a purchase transaction (referred to as a second purchase transaction) for the target digital goods may be initiated, and the second purchase transaction is issued to the blockchain, so that the node device in the blockchain may receive the second purchase transaction; wherein the second purchase transaction may include an account identification of a funding account for making payment for the good (referred to as the first funding account); the first funds account may be the funds account of the purchaser, i.e., the purchaser has access to the first funds account.

When receiving the second purchase transaction, the node device in the blockchain may respond to the second purchase transaction, obtain currency information filled in the first field in the first fund account, and determine whether currency corresponding to the currency information matches the target currency. If so, it is stated that the money held by the first fund account includes the target money, so that the first fund account can be used for making commodity payment for the target digital commodity, at this time, the target money corresponding to the price of the target digital commodity can be further transferred from the first fund account to another fund account (referred to as a second fund account) to complete commodity payment for the target digital commodity. It should be noted that the second fund account is a fund account of the seller of the target digital goods, and the second fund account is also used for holding the target currency, that is, the currency corresponding to the currency type information in the first field in the second fund account is also matched with the target currency.

In the second implementation manner, when the node device in the block chain responds to the purchase transaction, it may be determined whether a payment account, which is required by the purchaser to pay for the target digital product, is the asset account or the fund account.

If the payment account is the asset account, the first asset account corresponding to the user identifier can be acquired, and commodity payment is carried out based on the first asset account.

If the payment account is the fund account, the first fund account corresponding to the user identification can be acquired; the currency corresponding to the currency type information in the first field in the first fund account is matched with the target currency, namely the currency held by the first fund account comprises the target currency, so that the first fund account can be used for paying for the target digital goods.

In this case, the target money corresponding to the price of the target digital commodity may be further transferred from the first fund account to the second fund account to complete the commodity payment for the target digital commodity. It should be noted that the second fund account is a fund account of the seller of the target digital goods, and the second fund account is also used for holding the target currency, that is, the currency corresponding to the currency type information in the first field in the second fund account is also matched with the target currency.

It can be seen that, for the asset account for holding digital assets created on the blockchain by adopting the above account structure, on one hand, the digital assets held by the asset account can be value-anchored with currencies of different currencies by filling different currency information in the above first field in the asset account; alternatively, the exchange may be between the digital assets held by the asset account and the value-anchored currency according to the exchange relationship populated in the second field described above in the asset account. That is, the property account is endowed with the capability of value anchoring with currencies of different currencies and freely exchanging with currencies of different currencies of which the value is anchored, so that the property account can be suitable for different business scenes with different transaction currencies, and the flexibility of accessing different business scenes by using the property account is improved.

For the fund account which is created on the block chain and used for holding the currency by adopting the account structure, on one hand, the fund account can hold the currency of different currency by filling different currency information in the first field in the fund account; on the other hand, payment can be made using the credit line corresponding to the held currency, based on the credit line filled in the second field in the money account. That is, the ability of paying by using the credit amount corresponding to the held currency is equivalent to endowing the fund account with currencies of different currencies, so that the fund account can be suitable for different business scenes with different transaction currencies and payment modes, and the flexibility of accessing different business scenes by using the fund account is improved.

The present specification is described in detail below in terms of 3 aspects of creating a funding account, creating an asset account, and making a payment for goods based on an asset account or a funding account.

(1) Creating a funding account

In practical application, for some blockchain models derived based on an account model architecture, account types supported by blockchains can be further expanded.

Therefore, in the asset management method based on the blockchain, the account types supported by the blockchain can be expanded, and a fund account is expanded on the basis of the account types supported by the blockchain; the expanded funds account may be used to hold currency.

For the fund account holding the currency, the account structure of the fund account may include: a field (referred to as a first field) for filling currency information of the currency; and a field (referred to as a second field) for populating a credit line corresponding to the currency.

It should be noted that, the fields in the fund account, such as the first field and the second field, may be a plurality of fields that are expanded by expanding a Balance field in a traditional account structure, that is, the account structure of the fund account may still include fields such as a Nonce, a Code, and a Storage. Alternatively, the account structure of the fund account may not include the Balance, Nonce, Code, Storage, etc. fields, but only include the first field, the second field, etc. fields.

In practical applications, for data generated outside the chain, the data may be constructed into a standard transaction (transaction) format supported by the blockchain, and then issued to the blockchain, a device joining the blockchain (also referred to as a node in the blockchain) identifies the transaction, and after the identification is achieved, the transaction is packaged into a block by a node device serving as an accounting node in the blockchain, and persistent storage is performed in the blockchain.

Thus, to trigger the process of creating the funding account on the blockchain, a transaction for creating the funding account on the blockchain (referred to as an asset creation transaction) may be issued to the blockchain. A node device in the blockchain may receive the asset creation transaction issued to the blockchain and respond to the asset creation transaction to create the funding account on the blockchain.

Wherein the asset creation transaction may include an account identification of the credit account to which the value of the fund account is anchored; the credit account may be an out-of-chain credit account. Credit accounts outside the chain are those that are not on the blockchain.

It should be noted that, since the fund account is anchored to the value of the credit account, the fund account and the credit account may share currency information of a currency (referred to as a target currency) held by the credit account and a credit line of the credit account corresponding to the target currency.

In implementations, the credit account may include an out-of-chain credit account for a user who needs to create a funding account on the blockchain. In particular, the credit account may comprise a credit account opened by the user on an off-chain payment system interfacing with the blockchain. For example, assuming that the out-of-chain payment system is an out-of-chain payment system provided by an asset manager, the asset manager being a bank, the financial account may comprise a financial account opened by the user at the bank.

Wherein, the off-chain payment system is a payment system without a block chain; the off-chain payment system may be an off-chain payment system provided by the asset manager or an off-chain payment system provided by a trusted third party.

In practical applications, for the UTXO model, the transaction types supported by the blockchain include only transfer transactions; for the account model, the types of transactions supported by the blockchain include transfer transactions, smart contract creation transactions, and smart contract invocation transactions.

Therefore, the transaction types supported by the blockchain can be expanded, and a new transaction type (namely the asset creation transaction) is expanded on the basis of the transaction types supported by the blockchain; the asset creation transaction that is extended may be a transaction type that is independent of the transfer transaction, smart contract creation transaction, or smart contract invocation transaction for creating the above-described fund account on the blockchain. In this case, the node device in the blockchain responds to the asset creation transaction, runs the native code of the blockchain corresponding to the asset creation transaction, and implements the logic indicated by the native code.

Or, an intelligent contract may be deployed on the block chain in advance; wherein the intelligent contract may be used to create the above-mentioned fund account on the blockchain. Accordingly, the smart contract invocation transaction for invoking the smart contract may be considered the asset creation transaction. In this case, the node devices in the blockchain respond to the asset creation transaction, invoke the intelligent contract, run the contract code in the intelligent contract, and implement the logic indicated by the contract code.

When the node device in the block chain responds to the asset creating transaction, because the asset creating transaction includes the account identifier of the credit account with the anchored value of the fund account, the corresponding credit account can be determined according to the account identifier, and the currency information of the target currency held by the credit account and the credit line of the credit account corresponding to the target currency can be acquired.

In practical applications, since the credit account may include a credit account opened on the off-link payment system, the off-link payment system may maintain account information such as account identifier, credit limit, used credit amount, currency information of held currency, and fund amount of the credit account; the amount of funds in the currency held by the credit account may also be referred to as the account balance of the credit account.

In practical applications, the intelligent contracts deployed on the blockchain generally only have access to data contents stored on the blockchain; in some complex business scenarios implemented based on smart contract technology, the smart contracts may also require access to external data stored on data entities outside the chain. In this case, the intelligent contract deployed on the blockchain can access data on the data entities outside the chain through the Oracle ora; data entities outside the chain may include, for example, centralized servers or data centers deployed outside the chain, and so on.

Therefore, when the asset creation transaction is the new transaction type, the native code of the blockchain corresponding to the asset creation transaction may be executed, and the instruction information for acquiring the account information of the credit account corresponding to the account identifier may be generated and stored in the blockchain. When the instruction information stored in the block chain is acquired, the off-link payment system can respond to the instruction information and issue the account information of the credit account to the block chain for storage, so that the node device in the block chain can acquire the account information of the credit account maintained by the off-link payment system from the block chain.

Or, when the asset creating transaction is the intelligent contract invoking transaction, running contract codes in an intelligent contract corresponding to the asset creating transaction and deployed on the block chain, and accessing data in the off-chain payment system by the intelligent contract through an Oracle prompter to acquire account information of the credit account corresponding to the account identifier and maintained by the off-chain payment system.

When the node device in the block chain acquires the currency information of the target currency and the credit line of the credit account corresponding to the target currency, a fund account for holding the target currency may be further created on the block chain, the acquired currency information of the target currency may be filled into the first field of the fund account, and the acquired credit line may be filled into the second field of the fund account.

In one embodiment, before creating the fund account on the blockchain, the credit account may be frozen by an off-chain payment system interfacing with the blockchain and generating a corresponding frozen credential; wherein the frozen credential may be used for validity checking. In this case, the asset creation transaction may further include the frozen credential that the off-chain payment system freezes the credit account.

In implementation, in order to create the fund account on the blockchain, the validity of the frozen certificate may be checked first, and when the check is passed, the fund account is created on the blockchain.

In practical applications, the validity check for the frozen certificate can be designed based on practical requirements.

For example, the validity check on the frozen certificate may include any one or more of the following checking methods: checking whether the digital signature in the frozen certificate is legal or not, wherein the digital signature can be obtained by the off-chain payment system performing signature processing on the frozen certificate when the frozen certificate is generated; checking whether the amount of funds in the frozen voucher is the same as the amount of funds in the target currency held by the credit account frozen by the off-link payment system; checking whether the credit line in the frozen certificate is the same as the credit line of the credit account frozen by the off-link payment system and corresponding to the target currency or not; checking whether the frozen voucher is in a valid period; and so on.

In one embodiment, the off-chain payment system may freeze the credit account itself when freezing the credit account, and at this time, the frozen credit account cannot be used any more; alternatively, portions of the credit account may be frozen, at which point the frozen portions of the credit account are no longer usable, but the non-frozen portions are still usable normally.

For example, if the credit line of a certain credit account is 1 ten thousand yuan, and the held fund amount is 2000 yuan, only the credit line of 8000 yuan and the fund amount of 1000 yuan of the credit account may be frozen, and the remaining credit line of 2000 yuan and the fund amount of 1000 yuan of the credit account may still be used normally.

In this case, in step 304, when acquiring the credit line of the credit account corresponding to the target currency, the out-of-chain payment system may specifically acquire the frozen credit line corresponding to the target currency for the credit account. That is, the credit amount filled into the second field of the fund account is the credit amount corresponding to the target currency, which is frozen by the off-chain payment system for the credit account.

Further, in one embodiment shown, the account structure of the fund account created on the above block chain may further include: a field for populating the credit used amount corresponding to the currency held by the funding account (referred to as a third field).

In practical application, for a certain credit account, assuming that the credit line of the credit account is 1 ten thousand yuan of RMB, it indicates that the credit line of the account can be used to pay for 1 ten thousand yuan of RMB at most; further assume that the amount of funds paid using the credit line of the account is 1000 yuan, the credit used amount of the credit account is 1000 yuan.

The node device in the blockchain may further obtain a credit used amount corresponding to the target currency, which is frozen by the off-chain payment system for the credit account, when responding to the asset creation transaction, and fill the obtained credit used amount into the third field in the fund account created on the blockchain.

Still further, in one embodiment shown, the account structure of the fund account created on the blockchain may further include: a field for filling the amount of funds in the currency held by the funds account (referred to as the fourth field).

When the node device in the block chain responds to the asset creation transaction, the node device may further obtain a fund amount of the target currency held by the credit account frozen by the off-chain payment system, and fill the obtained fund amount into the fourth field in the fund account created on the block chain.

In practical applications, the asset management party or the user who creates the fund account on the blockchain may freeze the credit line, the used credit amount or the fund amount of the credit account again through the off-chain payment system or unfreeze the credit line, the used credit amount or the fund amount of the credit account through the off-chain payment system and issue an account change transaction for the fund account to the blockchain when the information related to the target currency held by the fund account needs to be changed.

Wherein the account change transaction may include a credit line, credit used or fund amount of the credit account that is refroked by the off-chain payment system, or may include a credit line, credit used or fund amount of the credit account that is defrosted by the off-chain payment system.

It should be noted that, similar to the asset creation transaction, the account change transaction may be a new transaction type supported by an expanded blockchain, or may be an intelligent contract invocation transaction; this description is not repeated herein.

Subsequently, when receiving the account change transaction, the node device in the blockchain may respond to the account change transaction, and update the data filled in the second field, the third field, or the fourth field in the fund account based on the credit amount, the used credit amount, or the fund amount in the account change transaction.

Specifically, when the account change transaction includes the credit line of the credit account that is refroked by the off-link payment system, the sum of the credit line of the refroked credit account and the credit line filled in the second field of the financial account may be calculated, and the credit line filled in the second field of the financial account may be replaced with the sum. Alternatively, when the account change transaction includes a credit line of the credit account defrosted by the off-link payment system, a difference between the credit line filled in the second field of the financial account and the defrosted credit line of the credit account may be calculated and the credit line filled in the second field of the financial account may be replaced with the difference.

In another embodiment, account information such as account id, credit limit, used credit amount, currency information of held currency and fund amount of a credit account opened on the off-link payment system can be maintained by the off-link payment system.

In this case, the off-chain payment system may issue an account update transaction for updating the credit line to the block chain when the credit line corresponding to the target currency of the maintained credit account is updated.

The account update transaction may include update information of a credit amount of the credit account corresponding to the target currency.

When receiving the account update transaction, the node device in the block chain may respond to the account update transaction, and update the credit line filled in the second field in the fund account created on the block chain based on the update information of the credit line in the account update transaction, so as to ensure that the credit line in the credit account and the credit line in the fund account are updated synchronously.

For example, if the updated information of the credit line includes the updated credit line of the credit account corresponding to the target currency held by the credit account, the credit line filled in the second field of the financial account may be replaced with the updated credit line; assuming that the updated information of the credit line includes a change value of the credit line of the credit account corresponding to the target currency held by the credit account, the credit line filled in the second field of the fund account may be added to the change value of the credit line.

Further, in one embodiment shown, the account structure of the fund account created on the above block chain may further include: a third field for populating a credit used amount corresponding to the currency held by the funding account.

The node device in the blockchain may further acquire a credit used amount of the credit account blocked by the off-chain payment system corresponding to the target currency when responding to the asset creation transaction, and fill the acquired credit used amount of the credit account corresponding to the target currency into the third field in the fund account created on the blockchain.

Similarly to the updating process of the credit line, the used credit amount in the credit account and the used credit amount in the fund account are updated synchronously.

For example, the account update transaction may further include update information of the credit used amount of the credit account corresponding to the target currency held by the credit account. The node device in the blockchain may update the credit used amount filled in the third field in the fund account created on the blockchain, based on the update information of the credit used amount in the account update transaction, in response to the account update transaction when receiving the account update transaction.

Still further, in one embodiment shown, the account structure of the fund account created on the blockchain may further include: a fourth field for populating a fund amount of currency held by the fund account.

When the node device in the blockchain responds to the asset creation transaction, the node device may further acquire a fund amount of the target currency held by the credit account frozen by the off-chain payment system, and fill the acquired fund amount of the target currency held by the credit account into the fourth field in the fund account created on the blockchain.

Similarly to the updating process of the credit line, the fund amount in the credit account is updated synchronously with the fund amount in the fund account.

For example, the account update transaction may further include update information of a fund amount of the target currency held by the credit account. The node device in the blockchain may respond to the account update transaction when receiving the account update transaction, and update the fund amount filled in the fourth field in the fund account created on the blockchain based on the update information of the fund amount in the account update transaction.

Referring to fig. 1, fig. 1 is a schematic diagram illustrating a funding account created on a blockchain according to an exemplary embodiment of the present disclosure.

As shown in fig. 1, the above-mentioned money account is used for holding money; the account structure of the fund account may include: a first field for populating currency information for the currency (i.e., the "currency" field in FIG. 1); a second field for filling in the credit line corresponding to the currency (i.e., the "credit line" field in FIG. 1); a third field for filling the credit used amount corresponding to the currency (i.e., "credit used amount" field in fig. 1); a fourth field for filling the amount of funds in the currency (i.e. the "balance" field in fig. 1).

The following examples are given in this specification by way of illustration.

Assuming that the off-chain payment system freezes the off-chain credit account; the frozen credit account has a credit limit of 1 ten thousand yuan, the frozen credit account has a used credit amount of 2000 yuan, and the frozen credit account has a fund amount of 1000 yuan.

A node device in the blockchain may receive an asset creation transaction for creating a funding account; wherein the funds account is anchored to the value of the credit account, the funds account being used to hold a target currency (i.e., the currency held by the credit account), and the asset creation transaction including the account identification and the frozen credentials of the credit account.

Node devices in the blockchain, upon receiving the asset creation transaction, may respond to the asset creation transaction by obtaining the frozen credit line of the credit account, the credit used amount, and the held monetary amount of funds. In this case, the node device in the blockchain may create the fund account on the blockchain after passing the validity check of the frozen certificate, fill "renminbi" in a first field of the fund account as currency information of the target currency, fill "10000" in a second field of the fund account as a credit amount corresponding to the target currency, fill "2000" in a third field of the fund account as a credit used amount corresponding to the target currency, and fill "1000" in a fourth field of the fund account as a fund amount of the target currency held by the fund account.

(2) Creating asset accounts

(a) In one implementation, the account types supported by the blockchain may be expanded, and an asset account is expanded on the basis of the account types supported by the blockchain; the asset account that is extended may be used to hold digital assets created on the blockchain.

Wherein the digital assets can be value anchored to real-world currency (e.g., renminbi, dollars, pounds, etc.). In this case, for the above-mentioned asset account holding the digital asset, the account structure of the asset account may include: a field (referred to as a first field) for populating currency information of the digital asset value-anchored currency; and a field (referred to as a second field) for populating the exchange relationship between the digital asset and the value-anchored currency.

It should be noted that the fields in the asset account, such as the first field and the second field, may be a plurality of fields that are extended by extending a Balance field in a traditional account structure, that is, the account structure of the asset account may still include fields such as a Nonce, a Code, and a Storage. Alternatively, the account structure of the asset account may not include fields such as Balance, Nonce, Code, Storage, etc., but only include fields such as the first field, the second field, etc.

To trigger the process of creating the asset account on the blockchain, a transaction for creating the asset account on the blockchain (referred to as an asset creation transaction) may be issued to the blockchain. A node device in the blockchain may receive the asset creation transaction issued to the blockchain and respond to the asset creation transaction to create the asset account on the blockchain.

Wherein the asset account can be used to hold a certain digital asset (called a target digital asset) created on the blockchain; the above-described asset creation transaction may include currency information for the currency in which the value of the target digital asset is anchored (referred to as the target currency).

When the node device in the blockchain responds to the asset creation transaction, the currency type information of the target currency anchored by the value of the target digital asset is included in the asset creation transaction, so that the conversion relationship between the target digital asset and the target currency can be determined.

It should be noted that, similar to the asset creation transaction in (1), the asset creation transaction may be a new transaction type supported by the extended blockchain, or may be an intelligent contract invocation transaction; this description is not repeated herein.

In one illustrated embodiment, the exchange relationship between the digital assets and the currency may be maintained by an off-chain payment system that interfaces with the blockchain described above. In this case, in order to determine the exchange relationship between the target digital asset and the target currency, the exchange relationship between the target digital asset and the target currency maintained by the off-chain payment system may be obtained.

Wherein, the off-chain payment system is a payment system without a block chain; the off-chain payment system may be an off-chain payment system provided by the asset manager or an off-chain payment system provided by a trusted third party.

When the asset creation transaction is the new transaction type, a native code of a blockchain corresponding to the asset creation transaction may be run, and indication information for acquiring the exchange relationship may be generated and stored in the blockchain. When the instruction information stored in the block chain is acquired, the off-chain payment system can respond to the instruction information and issue the exchange relationship maintained by the instruction information to the block chain for storage, so that the node device in the block chain can acquire the exchange relationship maintained by the off-chain payment system from the block chain.

Or, when the asset creating transaction is the intelligent contract invoking transaction, running a contract code in an intelligent contract corresponding to the asset creating transaction and deployed on the block chain, and accessing, by the intelligent contract through an Oracle preplan, data in the off-chain payment system to obtain the exchange relationship maintained by the off-chain payment system.

In one illustrated embodiment, the exchange relationship between a digital asset and a currency may include an asset amount of the digital asset anchored to a unit amount of the monetary value.

For example, assuming that the target digital asset is a virtual point and the target currency is U.S. dollars, the exchange relationship between the target digital asset and the target currency may include the number of points of the virtual point anchored to a value of 1 dollar.

In practice, the conversion relationship between the target digital asset and a currency as a reference currency, as well as the exchange rate information between various currencies and the reference currency (i.e., the amount of funds in the various currencies that a unit amount of the reference currency can be converted to) may be maintained by an off-chain payment system that interfaces with the blockchain. In this case, the off-chain payment system may calculate the exchange relationship between the target digital asset and the target currency based on the exchange rate information between the target currency and the reference currency and the exchange relationship between the target digital asset and the reference currency; subsequently, the off-chain payment system can issue the calculated exchange relationship to the blockchain for storage, so that the node equipment in the blockchain can acquire the calculated exchange relationship from the blockchain; alternatively, the data in the out-of-chain payment system may be accessed by an intelligent contract for creating the asset account on the blockchain through an Oracle predictive engine to obtain the calculated redemption relationship.

Alternatively, the intelligent contract may access data in the off-chain payment system through an Oracle president machine to obtain the exchange rate information between the target currency and the reference currency and the exchange relationship between the target digital asset and the reference currency, and calculate the exchange relationship between the target digital asset and the target currency based on the obtained exchange rate information and exchange relationship.

For example, assuming that the target digital asset is a virtual point, the reference currency is rmb, the target currency is U.S. dollars, and the exchange relationship between the target digital asset and rmb is 100: 1 (i.e., 100 virtual points anchored to 1-element monetization value), 1 RMB may be exchanged for a dollar in amount A, and the exchange relationship between the target digital asset and the dollar is 100 × A.

In one embodiment, the exchange relationship between the target digital asset and the target currency may change, as exchange rate information between different currencies may typically change over time. In this case, the off-chain payment system interfacing with the blockchain may issue, to the blockchain, a conversion relationship update transaction for updating the conversion relationship when the conversion relationship between the target digital asset and the target currency it maintains is updated; wherein the exchange relationship update transaction may include update information of the exchange relationship.

It should be noted that, similar to the asset creation transaction, the exchange relationship update transaction may be a new transaction type supported by an expanded blockchain, or may be an intelligent contract invocation transaction; this description is not repeated herein.

Subsequently, when receiving the exchange relationship update transaction, the node device in the block chain may respond to the exchange relationship update transaction, and update the exchange relationship filled in the second field in the asset account based on the update information of the exchange relationship in the exchange relationship update transaction.

For example, assuming that the updated information of the exchange relationship includes the updated exchange relationship, the exchange relationship filled in the second field of the asset account may be replaced with the updated exchange relationship.

Or, assuming that the update information of the exchange relationship includes the change value of the exchange relationship, the sum of the exchange relationship filled in the second field in the asset account and the change value of the exchange relationship may be calculated, and the exchange relationship filled in the second field in the asset account may be replaced with the calculated sum value.

It should be noted that the above-mentioned exchange relationship update transaction may be an exchange relationship update transaction for one or more specific asset accounts.

For example, the exchange relationship update transaction may also include an account address of the asset account that needs to be updated. In this case, the exchange relationship filled in the second field in the asset account may be updated based on the update information of the exchange relationship in the exchange relationship update transaction.

Alternatively, the exchange relationship update transaction may be an exchange relationship update transaction for all asset accounts created on the blockchain. In this case, all asset accounts created on the blockchain may be traversed to determine that the exchange relationship filled in the second field is an asset account of the exchange relationship between the target digital asset and the target currency, and update the update information of the exchange relationship in the transaction based on the exchange relationship, and update the exchange relationship filled in the second field in each determined asset account respectively.

The node device in the blockchain, upon determining the exchange relationship between the target digital asset and the target currency, may further create the asset account for holding the target digital asset on the blockchain, fill currency information of the target currency into the first field in the asset account, and fill the exchange relationship between the target digital asset and the target currency into the second field in the asset account.

It should be noted that, for the above-mentioned asset account, the digital currency held by the asset account can be value-anchored with multiple currencies; accordingly, exchange relationships of held digital currency with value-anchored currencies may be maintained in the asset account. In this case, there is a one-to-one correspondence between the currency information in the first field of the asset account and the exchange relationship in the second field of the asset account.

For example, assuming that the digital currency held by a certain asset account is value-anchored to Renminbi and U.S. dollars, the currency information filled in the first field in the asset account includes: currency information corresponding to RMB and currency information corresponding to USD; the exchange relationship populated in the second field of the asset account includes: the exchange relationship between the held digital asset and the RMB, and the exchange relationship between the held digital asset and the U.S. dollar.

In one embodiment, before creating the asset account on the blockchain, the target currency held by an off-chain fund account may be frozen by an off-chain payment system interfacing with the blockchain and generating a corresponding frozen voucher; wherein the frozen credential may be used for validity checking. In this case, the asset creation transaction may further include the frozen credential that the off-chain payment system freezes the target currency held by the funding account.

It should be noted that the off-link payment system in step 306 and the off-link payment system in step 304 may be the same off-link payment system or different off-link payment systems.

In implementations, the funding accounts may include out-of-chain funding accounts for the user who needs to create an asset account on the blockchain. In particular, the funding account may comprise a funding account opened by the user on the off-chain payment system described above. For example, assuming that the out-of-chain payment system is an out-of-chain payment system provided by the asset manager, which is a bank, the financial account may comprise a financial account opened by the user at the bank.

In order to create the asset account on the blockchain, the validity of the frozen certificate can be checked first, and when the check is passed, the asset account is created on the blockchain.

In practical applications, the validity check for the frozen certificate can be designed based on practical requirements.

For example, the validity check on the frozen certificate may include any one or more of the following checking methods: checking whether the digital signature in the frozen certificate is legal or not, wherein the digital signature can be obtained by the off-chain payment system performing signature processing on the frozen certificate when the frozen certificate is generated; checking whether the amount of funds in the frozen voucher is the same as the amount of funds in the target currency held by the funds account frozen by the off-link payment system; checking whether the frozen voucher is in a valid period; and so on.

In one illustrated embodiment, the asset creation transaction may further include a fund amount in the target currency that may be exchanged for the target digital currency held by the asset account; the amount of funds held by the funds account in the target currency may also be referred to as the account balance of the funds account. In particular, the amount of funds in the target currency may be the amount of funds in the target currency held by the funds account blocked by the off-chain payment system.

Accordingly, the account structure of an asset account created on a blockchain may further include: a field for populating the asset amount of the digital asset held by the asset account (referred to as a third field); the amount of the digital assets held by the asset account may also be referred to as the account balance of the asset account.

In this case, when responding to the asset creation transaction, the node device in the blockchain may further convert the amount of funds in the target currency in the asset creation transaction into the amount of assets in the target digital asset based on the conversion relationship between the target digital asset and the target currency, and fill the converted amount of assets in the target digital asset into the third field in the asset account.

It should be noted that, when the off-chain payment system freezes the target currency held by the fund account, the off-chain payment system may freeze the fund account itself, at this time, the frozen fund account cannot be used any more, and the fund amount of the frozen target currency is the whole fund amount of the target currency held by the fund account; alternatively, the portion of the target currency held by the fund account may be frozen, at which point the frozen portion of the target currency held by the fund account may no longer be used, but the non-frozen portion may still be used as normal.

For example, assuming that the account balance of a certain fund account is 2000 RMB, only 1500 RMB in the fund account can be frozen, and the remaining 500 RMB in the fund account can still be normally used.

In practical applications, the blocked target currency held by the fund account may be regarded as a reserve payment for the target digital asset held by the asset account.

In one embodiment, the asset management party or the user who creates the asset account on the blockchain may issue an asset exchange transaction for the asset account to the blockchain when the target digital asset held by the asset account needs to be exchanged; wherein the asset redemption transaction may include an asset amount of the target digital asset to be redeemed.

It should be noted that, similar to the asset creation transaction, the asset conversion transaction may be a new transaction type supported by an extended blockchain, or may be a smart contract invocation transaction; this description is not repeated herein.

Subsequently, when receiving the asset exchange transaction, the node device in the block chain may respond to the asset exchange transaction, and on one hand, the amount of the asset filled in the third field in the asset account may be updated based on the amount of the asset of the target digital asset in the asset exchange transaction. Specifically, a difference between the amount of the asset filled in the third field in the asset account and the amount of the asset of the target digital asset in the asset exchange transaction may be calculated, and the amount of the asset filled in the third field in the asset account may be replaced with the calculated difference.

On the other hand, the asset amount of the target digital asset may be converted into the fund amount of the target currency based on the conversion relation filled in the second field in the asset account, so that the off-chain payment system may unfreeze the converted target currency corresponding to the fund amount from the target currency held by the frozen asset account. Specifically, the converted fund amount may be issued to the blockchain for storage, so that the off-chain payment system may obtain the fund amount stored in the blockchain, and unfreeze the target currency corresponding to the fund amount from the target currency held by the fund account that has been frozen.

In practical applications, when the asset manager or the user who creates the asset account on the blockchain needs to recharge the target digital asset held by the asset account, the off-chain payment system may freeze the target currency held by the fund account created on the blockchain again, and issue an asset recharge transaction for the asset account to the blockchain; wherein the asset recharge transaction may include an amount of funds in the target currency held by the funds account that is refroked by the off-chain payment system.

And when receiving the asset recharging transaction, the node device in the block chain may respond to the asset recharging transaction, convert the fund amount of the target currency in the asset recharging transaction into the asset amount of the target digital asset based on the exchange relationship filled in the second field in the asset account, and update the asset amount filled in the third field in the asset account based on the converted asset amount of the target digital asset.

For example, the converted sum of the amount of the target digital asset and the amount of the asset filled in the third field of the asset account may be calculated, and the amount of the asset filled in the third field of the asset account may be replaced with the sum.

It should be noted that, similar to the asset creation transaction, the asset recharging transaction may be a new transaction type supported by an expanded blockchain, or may be an intelligent contract invocation transaction; this description is not repeated herein.

In one embodiment shown, to facilitate identifying the category of digital assets held by an asset account, the account structure of an asset account created on a blockchain may further include: a field for populating the asset identification of the digital asset held by the asset account (referred to as the fourth field).

Referring to fig. 2, fig. 2 is a diagram illustrating an asset account created on a blockchain in accordance with an exemplary embodiment of the present description.

As shown in fig. 2, the above-mentioned asset accounts are used to hold digital assets created on the blockchain; the account structure of the asset account may include: a first field for populating currency information for the currency for which the digital asset value is anchored (i.e., "currency" field in FIG. 2); a second field for populating the exchange relationship between the digital asset and the value-anchored currency (i.e., the "exchange relationship" field in FIG. 2); a third field for populating the asset amount of the digital asset (i.e., the "balance" field in FIG. 2); a fourth field for populating the asset identification of the digital asset (i.e., the "asset identification" field in fig. 2).

The following examples are given in this specification by way of illustration.

Assume that the off-chain payment system freezes the target currency held by the off-chain funds account; wherein the amount of the frozen target currency is 100 yuan.

A node device in the blockchain may receive an asset creation transaction for creating an asset account; wherein the asset account is to hold a target digital asset created on the blockchain, the target digital asset anchored to the target monetary value, the asset creation transaction including currency information of the target currency, a frozen fund amount of the target currency, and a frozen voucher.

The node devices in the blockchain may obtain, in response to the asset creation transaction, a conversion relationship between the target digital asset and the target currency from a payment system outside the chain upon receiving the asset creation transaction, wherein it is assumed that the conversion relationship between the target digital asset and the target currency is 100: and converting the frozen fund amount of the target currency into the asset amount of the target digital asset based on the conversion relation between the target digital asset and the target currency, wherein the converted asset amount of the target digital asset is 100 multiplied by 100 to 10000. In this case, the node device in the blockchain may create the asset account on the blockchain after the validity check of the frozen certificate passes, and fill "renminbi" in a first field of the asset account as currency information of the target currency, and fill "100: 1 ' As the exchange relationship between the target digital asset and the target currency, the third field of the asset account is filled with ' 10000 ' as the asset amount of the target digital asset held by the asset account, and the fourth field of the asset account is filled with the asset identification (for example, ' type A virtual points ').

(b) In another implementation, in addition to a funding account, an asset account may be expanded based on the types of accounts supported by the blockchain; the asset account that is extended may be used to hold digital assets created on the blockchain.

Wherein, the account structure of the asset account may include: a field for populating the asset amount of the digital asset held by the asset account (referred to as the first field).

It should be noted that the fields in the asset account, such as the first field, may be a plurality of fields that are extended by extending a Balance field in a traditional structure of the asset account, that is, the account structure of the asset account may still include fields such as a Nonce, a Code, and a Storage. Alternatively, the account structure of the asset account may not include fields such as Balance, Nonce, Code, Storage, etc., but only include fields such as the first field.

To trigger the process of creating the asset account on the blockchain, a transaction for creating the asset account on the blockchain (referred to as an asset creation transaction) may be issued to the blockchain. A node device in the blockchain may receive the asset creation transaction issued to the blockchain and respond to the asset creation transaction to create the asset account on the blockchain.

Wherein the asset account can be used to hold a certain digital asset (called a target digital asset) created on the blockchain; the asset creation transaction may include an account identification of a funding account to which the asset account value is anchored.

It should be noted that, since the asset account is anchored to the value of the fund account, the asset account and the fund account may share information about the currency held by the fund account (referred to as the target currency).

When the node device in the block chain responds to the asset creation transaction, because the asset creation includes the account identifier of the fund account, the node device may first acquire the fund account corresponding to the account identifier, then determine the fund amount of the target currency held by the fund account, and calculate the asset amount of the target digital asset matching the target currency value of the fund amount; the amount of funds held by the funds account in the target currency may also be referred to as the account balance of the funds account.

It should be noted that, similar to the asset creation transaction in (1), the asset creation transaction may be a new transaction type supported by the extended blockchain, or may be an intelligent contract invocation transaction; this description is not repeated herein.

In one embodiment, since the asset account and the fund account may share information related to the target currency held by the fund account, the account structure of the asset account may further include: a field (referred to as a second field) for populating currency information of the target currency. In this case, currency information for the target currency may be determined and populated into the second field in the asset account.

In one embodiment shown, the account structure for the funds account may include the first field; the first field is used for filling currency information of currency held by the fund account, so that the currency information filled in the first field in the fund account can be determined as the currency information of the target currency.

In one embodiment, since the asset account and the fund account may share information related to the target currency held by the fund account, the account structure of the asset account may further include: a field (referred to as a third field) for populating the exchange relationship between the target digital asset and the target currency; the amount of the target digital asset held by the asset account may also be referred to as the account balance of the asset account.

In this case, in one aspect, a conversion relationship between the target digital asset and the target currency may be determined and populated into the third field in the asset account.

On the other hand, in calculating the asset amount of the target digital asset that matches the target monetary value of the fund amount, the fund amount of the target currency may be converted to the asset amount of the target digital asset based on the conversion relationship between the target digital asset and the target currency.

In one illustrated embodiment, the exchange relationship between the digital assets and the currency may be maintained by an off-chain payment system that interfaces with the blockchain described above. In this case, in order to determine the exchange relationship between the target digital asset and the target currency, the exchange relationship between the target digital asset and the target currency maintained by the off-chain payment system may be obtained.

Wherein, the off-chain payment system is a payment system without a block chain; the off-chain payment system may be an off-chain payment system provided by the asset manager or an off-chain payment system provided by a trusted third party.

When the asset creation transaction is the new transaction type, a native code of a blockchain corresponding to the asset creation transaction may be run, and indication information for acquiring the exchange relationship may be generated and stored in the blockchain. When the instruction information stored in the block chain is acquired, the off-chain payment system can respond to the instruction information and issue the exchange relationship maintained by the instruction information to the block chain for storage, so that the node device in the block chain can acquire the exchange relationship maintained by the off-chain payment system from the block chain.

Or, when the asset creating transaction is the intelligent contract invoking transaction, running a contract code in an intelligent contract corresponding to the asset creating transaction and deployed on the block chain, and accessing, by the intelligent contract through an Oracle preplan, data in the off-chain payment system to obtain the exchange relationship maintained by the off-chain payment system.

In one illustrated embodiment, the exchange relationship between a digital asset and a currency may include an asset amount of the digital asset anchored to a unit amount of the monetary value.

In practice, the conversion relationship between the target digital asset and a currency as a reference currency, as well as the exchange rate information between various currencies and the reference currency (i.e., the amount of funds in the various currencies that a unit amount of the reference currency can be converted to) may be maintained by an off-chain payment system that interfaces with the blockchain. In this case, the off-chain payment system may calculate the exchange relationship between the target digital asset and the target currency based on the exchange rate information between the target currency and the reference currency and the exchange relationship between the target digital asset and the reference currency; subsequently, the off-chain payment system can issue the calculated exchange relationship to the blockchain for storage, so that the node equipment in the blockchain can acquire the calculated exchange relationship from the blockchain; alternatively, the data in the out-of-chain payment system may be accessed by an intelligent contract for creating the asset account on the blockchain through an Oracle predictive engine to obtain the calculated redemption relationship.

Alternatively, the intelligent contract may access data in the off-chain payment system through an Oracle president machine to obtain the exchange rate information between the target currency and the reference currency and the exchange relationship between the target digital asset and the reference currency, and calculate the exchange relationship between the target digital asset and the target currency based on the obtained exchange rate information and exchange relationship.

In one embodiment, the exchange relationship between the target digital asset and the target currency may change, as exchange rate information between different currencies may typically change over time. In this case, the off-chain payment system interfacing with the blockchain may issue, to the blockchain, a conversion relationship update transaction for updating the conversion relationship when the conversion relationship between the target digital asset and the target currency it maintains is updated; wherein the exchange relationship update transaction may include update information of the exchange relationship.

It should be noted that, similar to the asset creation transaction, the exchange relationship update transaction may be a new transaction type supported by an expanded blockchain, or may be an intelligent contract invocation transaction; this description is not repeated herein.

Subsequently, when receiving the exchange relationship update transaction, the node device in the block chain may respond to the exchange relationship update transaction, and update the exchange relationship filled in the third field in the asset account based on the update information of the exchange relationship in the exchange relationship update transaction.

It should be noted that the above-mentioned exchange relationship update transaction may be an exchange relationship update transaction for one or more specific asset accounts.

In one embodiment, the target currency held by the fund account may be frozen prior to creation of the asset account on the blockchain. In this case, when calculating the asset amount of the target digital asset matching the target currency value of the fund amount, the node device in the block chain may convert the fund amount of the target currency held by the frozen fund account into the asset amount of the target digital asset based on the conversion relationship between the target digital asset and the target currency.

It should be noted that, when the target currency held by the fund account is frozen, the fund account itself may be frozen, at this time, the frozen fund account cannot be used any more, and the fund amount of the frozen target currency is all the fund amounts of the target currency held by the fund account; alternatively, the portion of the target currency held by the fund account may be frozen, at which point the frozen portion of the target currency held by the fund account may no longer be used, but the non-frozen portion may still be used as normal.

In practical applications, the blocked target currency held by the fund account may be regarded as a reserve payment for the target digital asset held by the asset account.

In the case that the amount of the target digital asset is calculated, the node device in the blockchain may further create an asset account for holding the target digital asset on the blockchain, and fill the amount of the fund into the first field in the asset account.

In one embodiment, the asset management party or the user who creates the asset account on the blockchain may issue an asset exchange transaction for the asset account to the blockchain when the target digital asset held by the asset account needs to be exchanged; wherein the asset redemption transaction may include an asset amount of the target digital asset to be redeemed.

It should be noted that, similar to the asset creation transaction, the asset conversion transaction may be a new transaction type supported by an extended blockchain, or may be a smart contract invocation transaction; this description is not repeated herein.

Subsequently, when receiving the asset exchange transaction, the node device in the block chain may respond to the asset exchange transaction, and on one hand, the amount of the asset filled in the third field in the asset account may be updated based on the amount of the asset of the target digital asset in the asset exchange transaction. Specifically, a difference between the amount of the asset filled in the third field in the asset account and the amount of the asset of the target digital asset in the asset exchange transaction may be calculated, and the amount of the asset filled in the third field in the asset account may be replaced with the calculated difference.

On the other hand, the asset amount of the target digital asset may be converted into the fund amount of the target currency based on the conversion relation filled in the third field in the asset account, so that the converted target currency corresponding to the fund amount may be defrosted from the target currency held by the frozen asset account.

In practical applications, the asset manager or the user who creates the asset account on the blockchain may further freeze the target currency held by the fund account created on the blockchain again when the target digital asset held by the asset account needs to be recharged, and issue an asset recharging transaction for the asset account to the blockchain; wherein the asset recharge transaction may include a re-frozen amount of funds in the target currency held by the funds account.

And when receiving the asset recharging transaction, the node device in the block chain may respond to the asset recharging transaction, convert the fund amount of the target currency in the asset recharging transaction into the asset amount of the target digital asset based on the exchange relationship filled in the third field in the asset account, and update the asset amount filled in the first field in the asset account based on the converted asset amount of the target digital asset.

It should be noted that, similar to the asset creation transaction, the asset recharging transaction may be a new transaction type supported by an expanded blockchain, or may be an intelligent contract invocation transaction; this description is not repeated herein.

In one embodiment shown, to facilitate identifying the category of digital assets held by an asset account, the account structure of an asset account created on a blockchain may further include: a field for populating the asset identification of the digital asset held by the asset account (referred to as the fourth field).

(3) Payment of goods based on asset account or fund account

(a) In one implementation, referring to fig. 3, fig. 3 is a flowchart illustrating a method for blockchain-based asset management according to an exemplary embodiment of the present disclosure.

In the above asset management method based on blockchain, the commodity payment may be made based on the asset account for holding digital assets created on the blockchain in (2); the method may comprise the steps of:

step 302: receiving a first purchase transaction initiated by a purchaser for a target digital good; wherein the price of the target digital commodity is calibrated by the target currency; the first purchase transaction includes an account identification of a first asset account for making a payment for the good.

To trigger the process of commodity payment, when a user (called a purchaser) pays for a certain digital commodity (called a target digital commodity) needing to be purchased by using the asset account, a purchase transaction (called a first purchase transaction) for the target digital commodity can be initiated, and the first purchase transaction is issued to the blockchain, so that the node device in the blockchain can receive the first purchase transaction.

On one hand, the digital commodities can include mobile phone rechargeable cards, network game props and other commodities which can be digitalized; the price of the target digital goods may be calibrated by a certain currency (referred to as target currency). For example, if the price of the target digital commodity is 100 yuan, it means that the price of the target digital commodity is calibrated by rmb.

In another aspect, the first purchase transaction described above may include an account identification of an asset account used to make payment for the good (referred to as the first asset account). The first asset account may be the above-mentioned asset account of the purchaser, i.e., the purchaser has usage rights for the first asset account.

In practical applications, the account identifier of the asset account may be an account address of the asset account, an account key of the asset account, or the like, and may be information capable of uniquely identifying the asset account.

It should be noted that, similar to the asset creation transaction in (1), the first purchase transaction may be a new transaction type supported by the expanded blockchain, or may be a smart contract invocation transaction; this description is not repeated herein.

Step 304: in response to the first purchase transaction, obtaining currency information populated in the first field in the first asset account and determining whether a currency corresponding to the currency information matches the target currency; if yes, further acquiring the exchange relationship filled in the second field in the first asset account, and calculating the target asset amount of the target digital asset anchored with the price value of the target digital commodity based on the exchange relationship.

The node device in the blockchain may respond to the first purchase transaction when receiving the first purchase transaction; since the first purchase transaction includes the account identifier of the first asset account, the first asset account corresponding to the account identifier may be obtained, the currency information filled in the first field of the first asset account may be obtained, and whether the currency corresponding to the currency information matches the target currency may be determined.

If the currency corresponding to the currency information matches the target currency, the digital assets held by the first asset account (referred to as target digital assets) are anchored to the target currency value, and therefore commodity payment can be made for the target digital commodities by using the first asset account. In this case, the exchange relationship filled in the second field in the first asset account may be further acquired, and based on the exchange relationship, an asset amount (referred to as a target asset amount) of the target digital asset anchored to the price value of the target digital commodity is calculated, that is, based on the exchange relationship, a fund amount of the target currency corresponding to the price of the target digital commodity is converted into the target asset amount. For example, assume that the price of the above-mentioned target digital commodity is 50 yuan; further assuming that the target digital asset is a virtual credit, the exchange relationship in the second field in the first asset account is 100: 1, the number of points for which a virtual point anchored to the price value of the target digital good can be calculated to be 5000.

In addition, since the digital money held in the first asset account can be anchored in value with a plurality of currencies, when it is determined whether the currency corresponding to the currency information matches the target currency, it is determined whether the plurality of currency information filled in the first field in the first asset account includes the currency information of the target currency. If the multi-currency information includes currency information for the target currency, the currency corresponding to the currency information populated in the first field in the first asset account may be considered to match the target currency.

And upon acquiring the conversion relationship filled in the second field in the first asset account, acquiring the conversion relationship between the target digital asset and the target currency therein.

Step 306: transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete a merchandise payment for the target digital merchandise; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

In the case where the target asset amount is calculated, the target digital asset corresponding to the target asset amount may be transferred from the first asset account to another asset account (referred to as a second asset account) to complete the commodity payment for the target digital commodity.

The second asset account is an asset account of a seller of the target digital commodity, that is, the seller has the usage right of the second asset account; the second asset account is also used to hold the target digital asset, and the currency corresponding to the currency information in the first field of the second asset account also matches the target currency.

In an embodiment, when the target digital asset corresponding to the target asset amount is transferred from the first asset account to the second asset account, the asset amounts filled in the third fields of the first asset account and the second asset account may be updated based on the target asset amount, respectively, so as to complete the commodity payment for the target digital commodity.

Specifically, in one aspect, a difference between the amount of the asset filled in the third field in the first asset account and the target asset amount may be calculated, and the amount of the asset filled in the third field in the first asset account may be replaced with the calculated difference.

Alternatively, the sum of the target asset amount and the amount of assets filled in the third field of the second asset account may be calculated, and the amount of assets filled in the third field of the second asset account may be replaced with the calculated sum.

Taking the asset account shown in fig. 1 as an example, assuming that the price of the target digital commodity is 50 yuan, when the asset account is the first asset account, the asset amount filled in the third field in the first asset account may be updated to 5000; when the asset account is the second asset account, the amount of assets filled in the third field in the second asset account may be updated to 15000.

In the above asset management method based on the blockchain, the payment of the commodity may be made based on the fund account for holding money created on the blockchain in (1); as shown in the flowchart of fig. 4, the method may further include the steps of:

step 308: receiving a second purchase transaction initiated by the purchaser for the target digital good; wherein the second purchase transaction includes an account identification of a first funding account for making payment for the good.

When the buyer pays for the target digital goods by using the fund account, a purchase transaction (referred to as a second purchase transaction) for the target digital goods may be initiated and issued to the blockchain, so that the node device in the blockchain may receive the second purchase transaction.

Wherein the second purchase transaction may include an account identification of a funding account for making payment for the good (referred to as the first funding account); the first funds account may be the funds account of the purchaser, i.e., the purchaser has access to the first funds account.

It should be noted that, similar to the first purchase transaction, the second purchase transaction may be a new transaction type supported by the expanded blockchain, or may be an intelligent contract invoking transaction; this description is not repeated herein.

In practical applications, the purchaser may purchase the same digital goods or different digital goods based on the first asset account and the first fund account, that is, the target digital goods in steps 308 and 302 may be the same or different; this is not limited by the present description.

Step 310: in response to the second purchase transaction, obtaining currency information populated in the first field in the first funding account and determining whether a currency corresponding to the currency information matches the target currency; if so, further transferring a target fund amount of the target currency corresponding to the price of the target digital commodity from the first fund account to a second fund account to complete commodity payment for the target digital commodity; wherein the second funding account is a funding account of a seller of the target digital good for holding the target currency.

When receiving the second purchase transaction, the node device in the blockchain may respond to the second purchase transaction, obtain currency information filled in the first field in the first fund account, and determine whether currency corresponding to the currency information matches the target currency.

If the currency corresponding to the currency information matches the target currency, it indicates that the currency held by the first fund account includes the target currency, so that the first fund account can be used for making commodity payment for the target digital commodity, and at this time, the target currency corresponding to the price of the target digital commodity can be further transferred from the first fund account to another fund account (called a second fund account) to complete commodity payment for the target digital commodity.

The second fund account is a fund account of the seller of the target digital commodity, and the second fund account is also used for holding the target currency, namely, the currency corresponding to the currency type information in the first field in the second fund account is also matched with the target currency.

In one embodiment, when transferring the target currency corresponding to the price of the target digital goods from the first fund account to the second fund account, a fund amount (referred to as a target fund amount) of the target currency corresponding to the price of the target digital goods may be determined, and a difference between the credit amount filled in the second field of the first fund account and the credit used amount filled in the third field of the first fund account may be exceeded.

If the target fund amount does not exceed the difference value, the remaining credit amount of the first fund account is enough for commodity payment of the target digital commodity, so that subsequently, the credit used amount filled in the third field in the first fund account and the second fund account can be respectively updated based on the target fund amount so as to complete commodity payment of the target digital commodity.

Specifically, in one aspect, the sum of the target amount of funds and the credit used amount filled in the third field of the first financial account may be calculated, and the credit used amount filled in the third field of the first financial account may be replaced with the calculated sum.

Alternatively, the difference between the credit used amount filled in the third field in the second fund account and the target fund amount may be calculated, and the credit used amount filled in the third field in the second fund account may be replaced with the calculated difference.

In another embodiment, when transferring the target currency corresponding to the price of the target digital goods from the first fund account to the second fund account, a first difference between the target fund amount and the fund amount filled in the fourth field of the first fund account may be determined, and a second difference between the credit amount filled in the second field of the first fund account and the credit used amount filled in the third field of the first fund account may be exceeded.

If the first difference does not exceed the second difference, it indicates that the remaining amount of funds and the remaining amount of credit of the first fund account are sufficient for making a commodity payment for the target digital commodity, so subsequently, based on the target amount of funds, the credit used amount filled in the third fields of the first fund account and the second fund account and the amount of funds filled in the fourth fields of the first fund account and the second fund account may be updated respectively to complete the commodity payment for the target digital commodity.

Specifically, if the first difference is less than or equal to 0, it indicates that the target fund amount does not exceed the balance of the first fund account, that is, only the balance of the first fund account may be used to perform commodity payment for the target digital commodity, so on one hand, a difference between the fund amount filled in the fourth field of the first fund account and the target fund amount may be calculated, and the fund amount filled in the fourth field of the first fund account may be replaced by the calculated difference; on the other hand, the sum of the target fund amount and the fund amount filled in the fourth field in the second fund account can be calculated, and the fund amount filled in the fourth field in the second fund account is replaced by the calculated sum; at this time, the credit used amount filled in the above-mentioned third field in the first fund account may not be updated.

If the first difference is greater than 0, it indicates that the target fund amount exceeds the balance of the first fund account, that is, it is necessary to pay for the target digital goods by using the balance of the first fund account and the remaining credit amount, so on one hand, the fund amount filled in the fourth field of the first fund account may be directly updated to 0, the sum of the absolute value of the first difference and the credit used amount filled in the third field of the first fund account may be calculated, and the credit used amount filled in the third field of the first fund account may be replaced with the calculated sum; alternatively, the sum of the target amount of funds and the amount of funds filled in the fourth field of the second financial account may be calculated and the amount of funds filled in the fourth field of the second financial account may be replaced with the calculated sum.

Taking the fund account shown in fig. 2 as an example, assuming that the price of the target digital commodity is 50 yuan, when the fund account is the first fund account, the fund amount filled in the fourth field in the first fund account may be updated to 950; when the funds account is the second funds account, the amount of funds filled in the fourth field of the second funds account may be updated to 1050.

In another example, assuming that the price of the target digital goods is 2000 RMB, when the fund account is the first fund account, the amount of funds filled in the fourth field of the first fund account may be updated to 0, and the credit used amount filled in the third field of the first fund account may be updated to 4000; when the fund account is the second fund account, the fund amount filled in the fourth field of the second fund account may be updated to 3000.

(b) In another implementation, referring to fig. 5, fig. 5 is a flowchart illustrating another method for asset management based on blockchain according to an exemplary embodiment of the present disclosure.

In the above asset management method based on blockchain, the commodity payment may be made based on the asset account for holding digital assets created on the blockchain in (2); the method may comprise the steps of:

step 502: receiving a purchase transaction initiated by a purchaser for a target digital good; wherein the price of the target digital commodity is calibrated by the target currency; the purchase transaction includes a user identification of the purchaser.

In order to trigger the process of commodity payment, when the purchaser pays for the target digital commodity, the purchaser may initiate a purchase transaction for the target digital commodity and issue the purchase transaction to the blockchain, so that the node device in the blockchain may receive the purchase transaction.

Wherein the price of the target digital commodity is calibrated by the target currency; the purchase transaction may include a user identification of the purchaser.

In practical applications, the user identifier of the purchaser may be a login account of the purchaser, a mobile phone number or an identification number of the purchaser, a fingerprint of the purchaser, a biometric feature such as a human face, and the like, and may uniquely identify information of the purchaser.

It should be noted that, similar to the asset creation transaction in (1), the purchase transaction may be a new transaction type supported by the extended blockchain, or may be an intelligent contract invocation transaction; this description is not repeated herein.

Step 504: in response to the purchase transaction, obtaining a first asset account corresponding to the user identification; wherein a currency corresponding to the currency information populated in the first field in the first asset account matches the target currency.

When receiving the first purchase transaction, the node device in the blockchain may respond to the first purchase transaction to obtain the first asset account corresponding to the user identifier.

In this case, since the currency corresponding to the currency information in the first field of the first asset account matches the target currency, that is, the target digital asset held by the first asset account is anchored to the target currency, the first asset account can be used to pay for the target digital merchandise.

It should be noted that, since the digital currency held by the first asset account can be value-anchored in a plurality of currencies, it can be determined whether the plurality of currency information filled in the first field of the asset account includes the currency information of the target currency for any asset account. If the multi-currency information includes currency information for the target currency, the currency corresponding to the currency information in the first field of the asset account may be considered to match the target currency, and the asset account may be considered the first asset account.

Step 506: acquiring the exchange relationship filled in the second field in the first asset account, calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship, and transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete commodity payment for the target digital commodity; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

When the first asset account is acquired, a conversion relationship filled in the second field in the first asset account may be further acquired, and the target asset amount of the target digital asset anchored to the price value of the target digital commodity may be calculated based on the conversion relationship, that is, the fund amount of the target currency corresponding to the price of the target digital commodity may be converted into the target asset amount based on the conversion relationship. Subsequently, the target digital asset corresponding to the target asset amount may be further transferred from the first asset account to the second asset account to complete the merchandise payment for the target digital merchandise.

It should be noted that, in one aspect, when acquiring the exchange relationship filled in the second field in the first asset account, the exchange relationship between the target digital asset and the target currency in the first asset account may be acquired.

On the other hand, the second asset account is an asset account of a seller of the target digital commodity, namely, the seller has the use right of the second asset account; the second asset account is also used to hold the target digital asset, and the currency corresponding to the currency information in the first field of the second asset account also matches the target currency.

In an embodiment, when the target digital asset corresponding to the target asset amount is transferred from the first asset account to the second asset account, the asset amounts filled in the third fields of the first asset account and the second asset account may be updated based on the target asset amount, respectively, so as to complete the commodity payment for the target digital commodity.

Specifically, in one aspect, a difference between the amount of the asset filled in the third field in the first asset account and the target asset amount may be calculated, and the amount of the asset filled in the third field in the first asset account may be replaced with the calculated difference.

Alternatively, the sum of the target asset amount and the amount of assets filled in the third field of the second asset account may be calculated, and the amount of assets filled in the third field of the second asset account may be replaced with the calculated sum.

In the above asset management method based on the blockchain, the payment of the commodity may be made based on the fund account for holding money created on the blockchain in (1); as shown in the flowchart of fig. 6, the method may specifically include the following steps:

step 502: receiving a purchase transaction initiated by a purchaser for a target digital good; wherein the price of the target digital commodity is calibrated by the target currency; the purchase transaction includes a user identification of the purchaser.

Step 508: in response to the purchase transaction, determining whether a payment account for the merchandise payment for the target digital merchandise is the asset account or the funding account.

In practical applications, the purchaser may designate a payment account for making payment for the target digital goods, that is, the purchaser may designate that the payment for the target digital goods is made using the asset account or the fund account.

Therefore, when receiving the first purchase transaction, the node device in the block chain may determine, in response to the first purchase transaction, whether the payment account to be used by the purchaser for paying for the target digital product is the asset account or the fund account.

If the payment account is the asset account, the following steps 504 to 506 may be continued.

If the payment account is the funds account, the following steps 510 to 512 may be continued.

Step 504: acquiring a first asset account corresponding to the user identifier; wherein a currency corresponding to the currency information populated in the first field in the first asset account matches the target currency.

Step 506: acquiring the exchange relationship filled in the second field in the first asset account, calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship, and transferring the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete commodity payment for the target digital commodity; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

Step 510: acquiring a first fund account corresponding to the user identification; wherein a currency corresponding to the currency information populated in the first field in the first funding account matches the target currency.

If the payment account is the fund account, the first fund account corresponding to the user identification can be acquired; the currency corresponding to the currency type information in the first field in the first fund account is matched with the target currency, namely the currency held by the first fund account comprises the target currency, so that the first fund account can be used for paying for the target digital goods.

Step 512: transferring the target currency corresponding to the price of the target digital good from the first funding account to a second funding account to complete a good payment for the target digital good; wherein the second funding account is a funding account of a seller of the target digital good for holding the target currency.

In the case where the first fund account is acquired, the target fund amount of the target currency corresponding to the price of the target digital commodity may be further transferred from the first fund account to the second fund account to complete the commodity payment for the target digital commodity.

The second fund account is a fund account of the seller of the target digital commodity, and the second fund account is also used for holding the target currency, namely, the currency corresponding to the currency type information in the first field in the second fund account is also matched with the target currency.

In one embodiment, when transferring the target currency corresponding to the price of the target digital goods from the first fund account to the second fund account, a fund amount (referred to as a target fund amount) of the target currency corresponding to the price of the target digital goods may be determined, and a difference between the credit amount filled in the second field of the first fund account and the credit used amount filled in the third field of the first fund account may be exceeded.

If the target fund amount does not exceed the difference value, the remaining credit amount of the first fund account is enough for commodity payment of the target digital commodity, so that subsequently, the credit used amount filled in the third field in the first fund account and the second fund account can be respectively updated based on the target fund amount so as to complete commodity payment of the target digital commodity.

Specifically, in one aspect, the sum of the target amount of funds and the credit used amount filled in the third field of the first financial account may be calculated, and the credit used amount filled in the third field of the first financial account may be replaced with the calculated sum.

Alternatively, the difference between the credit used amount filled in the third field in the second fund account and the target fund amount may be calculated, and the credit used amount filled in the third field in the second fund account may be replaced with the calculated difference.

In another embodiment, when transferring the target currency corresponding to the price of the target digital goods from the first fund account to the second fund account, a first difference between the target fund amount and the fund amount filled in the fourth field of the first fund account may be determined, and a second difference between the credit amount filled in the second field of the first fund account and the credit used amount filled in the third field of the first fund account may be exceeded.

If the first difference does not exceed the second difference, it indicates that the remaining amount of funds and the remaining amount of credit of the first fund account are sufficient for making a commodity payment for the target digital commodity, so subsequently, based on the target amount of funds, the credit used amount filled in the third fields of the first fund account and the second fund account and the amount of funds filled in the fourth fields of the first fund account and the second fund account may be updated respectively to complete the commodity payment for the target digital commodity.

Specifically, if the first difference is less than or equal to 0, it indicates that the target fund amount does not exceed the balance of the first fund account, that is, only the balance of the first fund account may be used to perform commodity payment for the target digital commodity, so on one hand, a difference between the fund amount filled in the fourth field of the first fund account and the target fund amount may be calculated, and the fund amount filled in the fourth field of the first fund account may be replaced by the calculated difference; on the other hand, the sum of the target fund amount and the fund amount filled in the fourth field in the second fund account can be calculated, and the fund amount filled in the fourth field in the second fund account is replaced by the calculated sum; at this time, the credit used amount filled in the above-mentioned third field in the first fund account may not be updated.

If the first difference is greater than 0, it indicates that the target fund amount exceeds the balance of the first fund account, that is, it is necessary to pay for the target digital goods by using the balance of the first fund account and the remaining credit amount, so on one hand, the fund amount filled in the fourth field of the first fund account may be directly updated to 0, the sum of the absolute value of the first difference and the credit used amount filled in the third field of the first fund account may be calculated, and the credit used amount filled in the third field of the first fund account may be replaced with the calculated sum; alternatively, the sum of the target amount of funds and the amount of funds filled in the fourth field of the second financial account may be calculated and the amount of funds filled in the fourth field of the second financial account may be replaced with the calculated sum.

In the above technical solution, for the asset account created on the blockchain and used for holding the digital asset, since the account structure of the asset account may include a first field and a second field, where the first field is used for filling currency information of the currency of the digital asset value anchor, and the second field is used for filling the exchange relationship between the digital asset and the currency of the value anchor, it is equivalent to endowing the asset account with the ability of value anchor with currency of different currency and freely exchanging with currency of different currency of the value anchor, so that the asset account may be suitable for different business scenarios with different transaction currencies, and flexibility in accessing different business scenarios by using the asset account is improved.

In correspondence with the foregoing embodiments of the blockchain-based asset management method, the present specification also provides embodiments of a blockchain-based asset management apparatus.

The embodiment of the block chain-based asset management device can be applied to the electronic equipment. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a logical device, the device is formed by reading, by a processor of the electronic device where the device is located, a corresponding computer program instruction in the nonvolatile memory into the memory for operation. From a hardware aspect, as shown in fig. 7, the hardware structure diagram of the electronic device where the asset management device based on the block chain is located in this specification is shown, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 7, the electronic device where the device is located in the embodiment may also include other hardware according to an actual function of the asset management based on the block chain, which is not described again.

Referring to fig. 8, fig. 8 is a block diagram of an asset management device based on a block chain according to an exemplary embodiment of the present disclosure. The block chain-based asset management apparatus 80 may be applied to an electronic device as shown in fig. 7, which may be a node device in a block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the block chain based asset management device 80 may include:

a receiving module 801, which receives a first purchase transaction initiated by a purchaser for a target digital commodity; wherein the price of the target digital commodity is calibrated by the target currency; the first purchase transaction includes an account identification of a first asset account for making a payment for the good;

an obtaining module 802 that obtains currency information populated in the first field in the first asset account in response to the first purchase transaction and determines whether a currency corresponding to the currency information matches the target currency; if yes, further acquiring the exchange relationship filled in the second field in the first asset account, and calculating a target asset amount of a target digital asset anchored with the price value of the target digital commodity based on the exchange relationship; and the number of the first and second groups,

a payment module 803, which transfers the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete the payment of the target digital commodity; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

Referring to fig. 9, fig. 9 is a block diagram of another block chain-based asset management device according to an exemplary embodiment of the present disclosure. The block chain-based asset management device 90 may also be applied to an electronic device as shown in fig. 7, which may be a node device in a block chain; the types of accounts supported by the blockchain include asset accounts; the asset account is for holding digital assets created on the blockchain; the account structure of the asset account comprises a first field and a second field; the first field is used to populate currency information of the digital asset value anchored currency; the second field is for populating an exchange relationship between the digital asset and a value-anchored currency; the blockchain-based asset management device 90 may include:

a receiving module 901, which receives a purchase transaction initiated by a purchaser for a target digital commodity; wherein the price of the target digital commodity is calibrated by the target currency; the purchase transaction includes a user identification of the purchaser;

an obtaining module 902, responsive to the purchase transaction, obtaining a first asset account corresponding to the user identification; wherein a currency corresponding to the currency information populated in the first field in the first asset account matches the target currency; and the number of the first and second groups,

a payment module 903, configured to obtain an exchange relationship filled in the second field in the first asset account, calculate a target asset amount of a target digital asset anchored to the price value of the target digital commodity based on the exchange relationship, and transfer the target digital asset corresponding to the target asset amount from the first asset account to a second asset account to complete commodity payment for the target digital commodity; wherein the second asset account is an asset account of a seller of the target digital commodity for holding the target digital asset.

The implementation process of the functions and actions of each module in the above device is specifically described in the implementation process of the corresponding step in the above method, and is not described herein again.

For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, wherein the modules described as separate parts may or may not be physically separate, and the parts displayed as modules may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

In a typical configuration, a computer includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage, quantum memory, graphene-based storage media or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in one or more embodiments of the present description to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of one or more embodiments herein. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

The above description is only for the purpose of illustrating the preferred embodiments of the one or more embodiments of the present disclosure, and is not intended to limit the scope of the one or more embodiments of the present disclosure, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the one or more embodiments of the present disclosure should be included in the scope of the one or more embodiments of the present disclosure.