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Credit asset support pass transaction method and system based on block chain

A technology of credit assets and transaction methods, which is applied in the directions of instruments, finance, and data processing applications, etc., can solve the problems of lack of asset circulation process management, supervision methods, unfavorable market liquidity, and difficulties in the development of credit institutions' business, so as to reduce credit risks , Improve execution speed and improve security performance

Inactive Publication Date: 2019-08-06
ZHONGAN INFORMATION TECH SERVICES CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, due to the lack of standardized audit and regulatory regulations, information disclosure platforms, and asset transfer platforms in the existing technology, credit institutions lack an effective stock asset transfer mechanism, and lack management and supervision methods for the asset transfer process, resulting in further business changes for credit institutions. Difficult to obtain and not conducive to improving market liquidity

Method used

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  • Credit asset support pass transaction method and system based on block chain
  • Credit asset support pass transaction method and system based on block chain
  • Credit asset support pass transaction method and system based on block chain

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0038] The credit asset-backed certificate is issued by the trustee of the credit asset, and the cash generated by the credit asset is used to pay the income equity certificate of its income. Due to the lack of credit assets in the existing technology to support the management and monitoring of the token circulation process, there are greater risks in the circulation process, and there is information opacity. For this reason, the present invention proposes a transaction method and system based on blockchain-based credit asset-backed tokens. In the present invention, the issuer of credit assets-backed tokens (that is, the trustee of credit assets) issues credit in the blockchain. Asset-backed tokens and credit asset-backed tokens are transferred through the blockchain and managed through smart contracts. The details are as follows:

[0039] like figure 1 As shown, a blockchain-based credit asset-backed token transaction method includes:

[0040] Classify and package the cash ...

Embodiment 2

[0046] On the basis of Embodiment 1, this embodiment discloses a systematic transaction method based on blockchain-based credit asset support certificates. In this method, transaction insurance, pledge, custody and The supervision process further enriches the functions of the transaction method and improves the security and flexibility of the transaction. The specific method includes the following steps:

[0047] Classify and package the cash flow assets of the designated account into credit asset-backed tokens, and use smart contracts to manage the credit asset-backed tokens, where cash flow assets include accounts receivable and / or future accounts receivable;

[0048]Package the credit asset-backed pass into an investment portfolio, and use the smart contract to manage the investment portfolio. Further, the investment portfolio includes credit asset-backed pass and other investment targets;

[0049] The transaction contract of the investment portfolio is written in the smar...

Embodiment 3

[0064] Based on Embodiment 1 and Embodiment 2, this embodiment provides a blockchain-based credit asset-backed transaction system for tokens, including:

[0065] Data layer: used to save the basic information of credit asset-backed pass and investment portfolio, store the data of each account in the transaction system and the transaction data between accounts, and the investment portfolio includes: credit asset-backed pass and / or other investment targets;

[0066] Network layer: used to realize the link and communication between nodes in the blockchain system;

[0067] Contract layer: used to encapsulate the smart contract, the smart contract includes the transaction contract storage module of the investment portfolio;

[0068] Application layer: including the issuer interaction module of the credit asset backing pass, the issuer interaction module of the investment portfolio, and the purchaser interaction module of the investment portfolio.

[0069] In order to meet the ple...

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PUM

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Abstract

The invention discloses a credit asset support pass transaction method and system based on a block chain, wherein the method comprises the steps of classifying and packaging the cash flow assets of anappointed account into a credit asset support pass, and managing through an intelligent contract ; packaging the credit asset support pass into an investment combination, and managing the investmentcombination by adopting the intelligent contract; and writing a transaction contract of the investment combination in the intelligent contract, and enabling a buyer of the investment portfolio to obtain the earnings according to the intelligent contract. The invention provides a credit asset support pass transaction method and system based on the block chain. In combination with the block chain technology, the credit asset supporting pass transaction using the cash flow assets as security guards and the hosting, insurance and supervision of the transaction process are realized, the credit riskis reduced, and the security performance of the credit investment product transaction is improved.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a transaction method and a transaction system based on blockchain-based credit asset backed tokens. Background technique [0002] After the credit institution grants the credit loan to the borrower, the accounts receivable of the credit institution increases, and the credit institution has the demand to transfer the accounts receivable based on the purpose of reducing the asset occupancy rate, reducing credit risk, and improving the speed of capital flow. Therefore, based on The accounts receivable of the credit business and the credit asset support certificate of future accounts receivable came into being. However, due to the lack of standardized audit and regulatory regulations, information disclosure platforms, and asset transfer platforms in the existing technology, credit institutions lack an effective stock asset transfer mechanism, and lack management and supervi...

Claims

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Application Information

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IPC IPC(8): G06Q40/04G06Q40/02
CPCG06Q40/04G06Q40/03
Inventor 徐照晔曹一新裴新吴小川
Owner ZHONGAN INFORMATION TECH SERVICES CO LTD
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