Real-world asset fractionalization method, platform, equipment and medium based on blockchain

Abstract

The embodiment of the present invention discloses a method and platform, device and medium for real asset fractionalization based on blockchain, the method comprising: obtaining asset holding information of the original asset holder, and creating on-chain assets based on the asset holding information; fractionalizing the on-chain assets to obtain a number of PNFTs, wherein each PNFT contains a number of shares on the chain; obtaining the subscription items selected by the user, the subscription items being the direct purchase of the target PNFT or the asset exchange voucher for the target PNFT; generating an asset share subscription form corresponding to the subscription item selected by the user, and when the user digitally signs the asset share subscription form, the digital signature is recorded in the corresponding target PNFT and saved as on-chain data. By fractionalizing the assets to obtain PNFTs, users can subscribe to PNFTs or asset exchange vouchers of PNFTs, and on the basis of retaining the uniqueness and uniqueness of the assets, fractional transactions are realized, while enhancing the liquidity of the assets.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a real-asset fractionalization method and platform, device and medium based on blockchain. Background Art

[0002] Traditional real estate finance enables investors to participate in the real estate market and obtain investment returns by securitizing real estate assets. The main tools include real estate investment trusts (REITs), mortgage loans, etc., which transform large, illiquid assets into tradable financial products. However, traditional tools face problems such as liquidity constraints, high transaction costs, and limited global market participation. With the rise of blockchain technology, real asset chain (RWA) provides new possibilities for solving these problems.

[0003] RWA technology tokenizes real-world assets through blockchain, enabling them to be traded and managed on the chain. Most current RWA solutions use the ERC20 standard, which excels in improving asset liquidity but cannot maintain the uniqueness of tokens. Summary of the invention

[0004] Based on this, it is necessary to propose a blockchain-based real-asset fractionalization method and platform, equipment and media to address the above issues in order to ensure the uniqueness, uniqueness and liquidity of assets.

[0005] To achieve the above-mentioned purpose, the first aspect of the present application provides a method for real-world asset fractionalization based on blockchain, the method comprising: obtaining asset holding information of the original asset holder, and creating on-chain assets based on the asset holding information; fractionalizing the property rights of the on-chain assets to obtain a number of asset-class non-homogeneous tokens, wherein each of the asset-class non-homogeneous tokens contains a number of shares on the chain;

[0006] Obtain the subscription item selected by the user, where the subscription item is to directly purchase the target asset class non-fungible token or to purchase the asset exchange voucher of the target asset class non-fungible token, wherein the target asset class non-fungible token is any one or more of all asset class non-fungible tokens, and the asset exchange voucher is compatible with blockchains of various technical systems;

[0007] Generate an asset share subscription agreement corresponding to the subscription item selected by the user. After the user digitally signs the asset share subscription agreement, the digital signature is recorded in the corresponding target asset class non-fungible token and saved as on-chain data.

[0008] Furthermore, the asset share subscription form corresponding to the subscription item selected by the user is generated. After the user digitally signs the asset share subscription form, the digital signature is recorded in the corresponding target asset class non-fungible token as on-chain data for storage, which specifically includes:

[0009] When the subscription item selected by the user is to directly purchase the non-fungible token of the target asset class, the user is subject to real-name authentication;

[0010] When the user's real-name authentication is passed, a first asset share subscription form corresponding to the target asset class non-fungible token selected by the user is generated;

[0011] After the user digitally signs the first asset share subscription agreement, the digital signature is recorded in the target asset class non-fungible token and saved as on-chain data.

[0012] Furthermore, the real-name authentication of the user specifically includes:

[0013] Obtaining the real-name information of the user and calculating a hash value of the real-name information;

[0014] Matching the hash value of the real-name information with a preset target value to obtain a first matching result;

[0015] Obtaining a private key of the wallet provided by the user, and generating a user signature related to the public key of the wallet according to the private key of the wallet;

[0016] Verifying whether the user signature is generated by the private key of the wallet, and when it is confirmed that the user signature is generated by the private key of the wallet, matching the user signature with the public key of the wallet to obtain a second matching result;

[0017] When both the first matching result and the second matching result are successful matches, the real-name authentication of the user is passed, and the hash value of the real-name information is bound to the blockchain address of the wallet.

[0018] Furthermore, after the user digitally signs the first asset share subscription form, the digital signature is recorded in the target asset class non-fungible token and saved as on-chain data, specifically including:

[0019] Obtaining a digest hash value of the first asset share subscription form based on the electronic document of the first asset share subscription form;

[0020] After the user agrees to the terms on the first asset share subscription agreement, the summary hash value is digitally signed using the blockchain private key in the blockchain address, and the digital signature is recorded in the target asset class non-fungible token for storage as on-chain data.

[0021] Furthermore, the generating of the asset share subscription form corresponding to the subscription item selected by the user, after the user digitally signs the asset share subscription form, recording the digital signature into the corresponding target asset class non-fungible token as on-chain data for storage, also includes:

[0022] When the subscription item selected by the user is to purchase the asset exchange voucher of the target asset class non-fungible token, an asset exchange voucher of the target asset class non-fungible token is generated and issued to the user;

[0023] When the user confirms to exchange the asset exchange voucher of the target asset class non-fungible token for the target asset class non-fungible token, the user is authenticated by real name;

[0024] When the user's real-name authentication is passed, a second asset share subscription form corresponding to the target asset class non-fungible token is generated;

[0025] After the user digitally signs the second asset share subscription agreement, the digital signature is recorded in the target asset class non-fungible token and saved as on-chain data.

[0026] Furthermore, when the user confirms that the asset exchange voucher will be exchanged for the target asset class non-fungible token, the asset exchange voucher will be locked or destroyed.

[0027] Furthermore, the method further comprises:

[0028] Upload the asset share subscription form to the preset decentralized network;

[0029] The decentralized network calculates the hash value of the asset share subscription agreement and determines the version of the asset share subscription agreement.

[0030] To achieve the above-mentioned purpose, the second aspect of the present application provides a real-world asset share platform based on blockchain, the platform comprising an asset chain module, a property rights share module and an asset subscription module;

[0031] The asset on-chain module is used to obtain the asset holding information of the original asset holder and create on-chain assets based on the asset holding information;

[0032] The property rights fractionalization module is used to fractionalize the property rights of the assets on the chain to obtain a number of asset-class non-homogeneous tokens, wherein each of the asset-class non-homogeneous tokens contains a number of shares on the chain;

[0033] The asset subscription module is used to obtain the subscription items selected by the user, wherein the subscription items are directly purchasing the target asset class non-fungible token or purchasing the asset exchange voucher of the target asset class non-fungible token, wherein the target asset class non-fungible token is any one or more of all asset class non-fungible tokens, and the asset exchange voucher is compatible with the blockchain of various technical systems;

[0034] Generate an asset share subscription agreement corresponding to the subscription item selected by the user. After the user digitally signs the asset share subscription agreement, the digital signature is recorded in the corresponding target asset class non-fungible token and saved as on-chain data.

[0035] To achieve the above-mentioned purpose, the third aspect of the present application provides a computer-readable storage medium storing a computer program, which, when executed by a processor, enables the processor to perform the steps of the method described in the first aspect.

[0036] To achieve the above-mentioned purpose, the fourth aspect of the present application provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of the method described in the first aspect.

[0037] The embodiments of the present invention have the following beneficial effects:

[0038] The embodiment of the present invention proposes a method for fractionalization of real assets based on blockchain, the method comprising: obtaining asset holding information of the original asset holder, and creating on-chain assets based on the asset holding information; fractionalizing the property rights of the on-chain assets to obtain a number of asset-class non-fungible tokens, wherein each asset-class non-fungible token contains a number of shares on the chain; obtaining a subscription item selected by a user, the subscription item being the direct purchase of a target asset-class non-fungible token or the purchase of an asset exchange voucher for a target asset-class non-fungible token, wherein the target asset-class non-fungible token is any one or more of all asset-class non-fungible tokens, and the asset exchange voucher is compatible with blockchains of various technical systems; generating an asset share subscription book corresponding to the subscription item selected by the user, and when the user digitally signs the asset share subscription book, the digital signature is recorded in the corresponding target asset-class non-fungible token for storage as on-chain data. By fractionalizing the property rights of assets and obtaining PNFT, users can subscribe to PNFT or PNFT asset exchange vouchers. While retaining the uniqueness and uniqueness of the assets, fractional transactions are achieved, while enhancing the liquidity of the assets. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0040] in:

[0041] Figure 1 This is a flowchart of a method for real-world asset fractionalization based on blockchain according to an embodiment of the present invention;

[0042] Figure 2 This is a structural block diagram of a real asset share platform based on blockchain according to an embodiment of the present invention;

[0043] Figure 3 1 is a diagram showing the internal structure of a computer device in an embodiment of the present invention. DETAILED DESCRIPTION

[0044] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0045] In the ERC20 standard, tokens are fungible. Each token has the same value as any other token of the same type and can be interchanged. This property easily divides and standardizes token units. Therefore, tokens under the ERC20 standard have strong liquidity. However, although ERC20 standard tokens enhance liquidity, they cannot retain the uniqueness of assets.

[0046] Like the ERC20 standard, the ERC721 standard is also a token standard. The ERC20 standard token is a homogeneous token (FT), while the ERC721 is a non-homogeneous token (NFT). Homogenous tokens are replaceable, uniform, and nearly infinitely divisible tokens; non-homogeneous tokens have unique and unique characteristic marks and are not interchangeable. Therefore, the ERC721 standard token guarantees the uniqueness of the asset, but the liquidity is not high.

[0047] Based on this, the embodiment of the present invention proposes a real asset share method based on blockchain, and proposes a DNFT (Dual NFT) protocol improved based on the ERC3525 standard. Figure 1 , Figure 1 The method for real asset share based on blockchain in the embodiment of the present invention enhances the liquidity of assets while retaining the uniqueness and uniqueness of assets through the method proposed by the present invention. The method includes:

[0048] Step 110: Obtain the asset holding information of the original asset holder, and create on-chain assets based on the asset holding information.

[0049] In an embodiment of the present invention, when the original asset holder owns an asset, he or she may choose to hand over the asset to an asset management company for asset management, and create a new on-chain asset based on the asset through the issuer platform and put it up for sale.

[0050] Before the platform creates on-chain assets, it will review the asset holding information of the original asset holder to check whether the on-chain assets that the original asset holder wants to create meet the standards.

[0051] The asset holding information may be an asset holding certificate, an asset subscription agreement, and relevant information about the asset itself. In one embodiment of the present invention, the asset is a real estate. If it is a domestic real estate, the asset holding certificate may be a real estate certificate of the original asset holder; if it is a foreign real estate, the asset holding certificate may be a link to the query result on the public database.

[0052] The subscription agreement for the asset and information about the asset itself may include:

[0053] 1. The unique registration number of the asset management company;

[0054] 2. The unique registration number of the trust fund corresponding to the asset;

[0055] 3. The subscription statement states the legitimacy of the user’s ownership of the assets after the user’s real-name authentication and binding with the wallet.

[0056] By reviewing the asset holding information of the original asset holder, the legality, authenticity and validity of the assets can be determined.

[0057] The issuer platform deploys the Merchant contract, which provides a series of permission configurations for functional interfaces that can be executed by the asset issuer. Depending on the permissions, the asset issuer can execute different interfaces. Each interface comes with a numbered interface, corresponding to the nth bit in the interface permission dictionary. In an embodiment of the present invention, the interface dictionary is a 256-bit unsigned integer, and each bit controls the switch of a certain interface. 1 is on and 0 is off. For example, if the asset issuer is granted execution permissions for interfaces 13 and 12, the permission dictionary of the asset issuer is 1100000000000b. If you want to check whether the asset issuer can execute interface 13, let 1100000000000b be ANDed with the interface dictionary. If the value is 1, it is open. Each asset issuer corresponds to a permission dictionary, which is set by the compliance regulator (such as the operating platform, government-related departments, trusts, etc.).

[0058] In one embodiment of the present invention, some interface permissions are proposed, see the table for each contract below.

[0059] (1) The issuer platform deploys the Asset contract, which includes the interface permissions in Table 1:

[0060] Table 1 Asset contract interface list

[0061]

[0062] (2) The issuing platform deploys the Token contract to record token-related information, such as the holder’s blockchain address, the last transfer timestamp, etc., which includes the interface permissions in Table 2.

[0063] Table 2 Token contract interface list

[0064]

[0065] (3) The issuer platform deploys the RNFT contract, which includes the interface permissions in Table 3.

[0066] Table 3 RNFT contract interface list

[0067]

[0068] (4) The issuer platform deploys the PNFT contract, which includes the interface permissions in Table 4.

[0069] Table 4 PNFT contract interface list

[0070]

[0071] The issuer platform deploys the DNFT contract, which is an interface contract. The specific functions are implemented by the above-mentioned sub-contracts.

[0072] After completing all compliance processes, the original asset holder calls the createAsset interface of the DNFT protocol to create the metadata information of the asset:

[0073] a. Asset name, such as Shenzhen 01. Asset-type non-fungible tokens are used during minting.

[0074] b. Asset code, such as SZ01, used when asset-type non-fungible tokens are minted.

[0075] c. Total issued assets (number of shares)

[0076] d. Number of shares sold of the asset, with an initial value of 0.

[0077] e. Asset transfer transaction lock-up period and compliance requirements.

[0078] f. Asset subscription agreement related, such as link, version, content hash value, etc.

[0079] Step 130: The assets on the chain are divided into property rights to obtain a number of asset-type non-fungible tokens, where each asset-type non-fungible token contains a number of shares on the chain.

[0080] In an embodiment of the present invention, the shares of the asset management company of the on-chain assets are fractionalized to obtain multiple asset-class non-homogeneous tokens corresponding to the assets.

[0081] Property Non-Fungible Token (PNFT) is the core of the entire DNFT protocol. Each PNFT represents a share of the property rights of the displayed asset, and the share of the property rights is determined by the size of its corresponding shares. Therefore, PNFT should be more accurately called a semi-fungible token (SFT).

[0082] For example, assuming that the house LA01 is priced at 2.3M when it is sold on the platform, according to the lowest PNFT setting ($10), LA01 will issue a total of 230K shares. If a PNFT promises 5% of the property rights, then the corresponding PNFT shares are 230,000*5%=11,500 shares, so the value of the property rights share of a PNFT is 11,500.

[0083] Since PNFT is a semi-fungible token, splitting and combining will become easier, and there will be no problems with floating point precision, which is conducive to the future gameplay of CaaS and GameFi / SocialFi.

[0084] In one embodiment of the present invention, the PNFT basic field may include:

[0085]

[0086] Due to compliance requirements, PNFT can only be circulated within the issuer's platform, and each holder needs to undergo real-name authentication and qualified investor certification.

[0087] Step 150: Obtain the subscription item selected by the user. The subscription item is to directly purchase the target asset class non-fungible token or to purchase the asset exchange voucher of the target asset class non-fungible token. The target asset class non-fungible token is any one or more of all asset class non-fungible tokens. The asset exchange voucher is compatible with the blockchain of various technical systems.

[0088] Specifically, after the asset is fractionalized to obtain multiple PNFTs, users can selectively purchase PNFTs based on their purchase quantity and type.

[0089] In one embodiment of the present invention, users can choose to directly purchase a certain amount of target PNFT, or purchase the asset redemption voucher (RNFT) of the target PNFT, RNFT (Redeemable Non-fungible Token), which can also be called a non-fungible token of redeemable assets.

[0090] Another core of the DNFT protocol is RNFT, which is an asset exchange voucher of PNFT. Its purpose is to be compatible with blockchains based on various technical systems, such as Ethereum of the EVM system, Solana of the Rust system, etc. Therefore, RNFT can circulate on various blockchains to increase the liquidity of assets.

[0091] Step 170: Generate an asset share subscription agreement corresponding to the subscription item selected by the user. After the user digitally signs the asset share subscription agreement, the digital signature is recorded in the corresponding target asset class non-fungible token and saved as on-chain data.

[0092] After the platform completes and passes the review of the asset holding information of the original asset holder, it will provide a template for the share subscription agreement. When the user subscribes for and redeems the target PNFT, a corresponding share subscription agreement will be generated. Each user who purchases an asset share should read and sign the share subscription agreement to acknowledge the user's rights and responsibilities.

[0093] The platform generates an asset share subscription form based on the subscription items selected by the user and provides it to the user for review and signature. When the user agrees with all the contents in the asset share subscription form, the asset share subscription form will be digitally signed. After the signing is completed, the user will enjoy the target PNFT subscribed in judicial terms. In addition, the digital signature will be recorded in the PNFT and saved as on-chain data to provide a basis for subsequent verification.

[0094] As a decentralized database, blockchain is a string of data blocks generated using cryptographic methods. Each data block contains information about a network transaction and is used to verify the validity of the information (anti-counterfeiting) and generate the next block.

[0095] The embodiment of the present invention obtains PNFT by fractionalizing the property rights of assets, so that users can subscribe to PNFT or PNFT asset exchange vouchers. On the basis of retaining the uniqueness and uniqueness of the assets, fractional transactions are realized, and the liquidity of the assets is enhanced at the same time.

[0096] In one embodiment of the present invention, step 170 generates an asset share subscription form corresponding to the subscription item selected by the user. After the user digitally signs the asset share subscription form, the digital signature is recorded in the corresponding target asset class non-fungible token as on-chain data for storage, specifically including:

[0097] Step 1711. When the subscription item selected by the user is to directly purchase the non-fungible token of the target asset class, the user will be subject to real-name authentication.

[0098] In order to ensure the security and legality of user subscription, real-name authentication (KYC, KNOW YOUR CLIENT) will be performed when users subscribe to PNFT. Blockchain and smart contracts cannot perceive external information due to their determinism and Turing completeness, because such information is often random. When a smart contract needs to perceive external information, for example, whether a user has completed KYC, the oracle will publish an event in a certain block n. After the oracle captures this time, it will process and extract the information required by the smart contract, and provide this information to the smart contract in block n+1, that is, whether the user has completed and passed KYC. The asset share subscription form will be digitally signed only after the user's real-name authentication is passed.

[0099] Specifically, Step 1711 performs real-name authentication on the user, including:

[0100] A. Obtain the user's real-name information and calculate the hash value of the real-name information.

[0101] In one embodiment of the present invention, the user will enter the real-name information, upload it to the KYC service provider, and calculate the hash value of the real-name information.

[0102] B. Match the hash value of the real-name information with a preset target value to obtain a first matching result.

[0103] In one embodiment of the present invention, the target value is a value stored in a trusted system of a KYC service provider.

[0104] C. Obtain the private key of the wallet provided by the user, and generate a user signature related to the public key of the wallet based on the private key of the wallet.

[0105] D. Verify whether the user signature is generated by the private key of the wallet. When it is confirmed that the user signature is generated by the private key of the wallet, match the user signature with the public key of the wallet to obtain a second matching result.

[0106] E. When both the first matching result and the second matching result are successful, the user's real-name authentication is passed, and the hash value of the real-name information is bound to the blockchain address of the wallet.

[0107] In one embodiment of the present invention, when both the first matching result and the second matching result are successful, the platform will generate a proof to prove that the user's real-name information is associated with the blockchain address of the wallet. Then, the hash value of the user's real-name information is bound to the blockchain address of the wallet through the KYC service provider and stored in the trusted system.

[0108] In one embodiment of the present invention, the required private key (vk) and public key (pk) can be generated based on the zero-knowledge proof method and uploaded to the chain through a smart contract.

[0109] When verifying KYC, the user provides a zero-knowledge proof that they do know the real-name information associated with the hash value. The smart contract uses the private key (vk) of the zero-knowledge proof to verify the validity of the proof (Proof) without knowing the specific content of the real-name information. In order to also verify that the hash value exists, the smart contract broadcasts an event.

[0110] After the oracle captures this event, it matches the corresponding record in the KYC service provider through the blockchain address and hash value contained in the event. If the match is successful, the verification is successful. Therefore, there are two conditions for successful verification: a. The user proves that he can provide real-name information by generating a proof; b. The KYC service provider has a record of real-name information to prove the integrity and legitimacy of the user's real-name information.

[0111] Step 1712. When the user's real-name authentication is passed, a first asset share subscription agreement corresponding to the target asset class non-fungible token selected by the user is generated.

[0112] After the user selects the target PNFT to be purchased and completes the real-name authentication, the platform will generate the asset share subscription form corresponding to the target PNFT subscribed by the user. Each user who purchases asset shares should carefully read the latest version of the asset share subscription form. Users understand their rights and responsibilities through the asset share subscription form and confirm whether they need to sign and confirm.

[0113] In one embodiment of the present invention, after the asset holding information of the original asset holder is reviewed, the asset share subscription form is uploaded to a preset decentralized network; the decentralized network calculates the hash value of the asset share subscription form and determines the version of the asset share subscription form.

[0114] Specifically, the decentralized network can be IPFS, which calculates the summary hash value of the asset through the provided asset holding information and saves it so that when the user subscribes to PNFT, the latest asset share subscription form is generated. The asset share subscription form is generated based on the sha256 summary of the address and content of the latest version provided by the smart contract.

[0115] When a user subscribes to PNFT or a dispute occurs, he or she can determine whether the content has been tampered with based on the version or summary of the asset share subscription agreement.

[0116] Step 1713. After the user digitally signs the subscription agreement for the first asset share, the digital signature is recorded in the target asset class non-fungible token and saved as on-chain data.

[0117] If the user agrees to the terms of the subscription agreement, the first asset share subscription agreement will be digitally signed, and the digital signature and other information required by the PNFT will be recorded in the target PNFT.

[0118] In one embodiment of the present invention, Step 1713, after the user digitally signs the first asset share subscription form, the digital signature is recorded in the target asset class non-fungible token as on-chain data for storage, specifically including:

[0119] The summary hash value of the first asset share subscription agreement is calculated based on the electronic document of the first asset share subscription agreement; when the user agrees to the terms on the first asset share subscription agreement, the summary hash value is digitally signed using the blockchain private key in the blockchain address, and the digital signature is recorded in the target asset class non-fungible token as on-chain data for storage.

[0120] In an embodiment of the present invention, the blockchain private key of the wallet address is used to sign the summary of the contents of the asset share subscription form.

[0121] Specifically, the bytes of the electronic document of the first asset share subscription form are hashed to obtain a digest hash value, wherein the electronic document may include pdf, doc, docx and other formats; after the user confirms the terms in the first asset share subscription form, the digest hash value is electronically signed using the blockchain private key of the wallet address. This facilitates the need to recalculate the digest hash value and sign again when the legality and integrity of the contract needs to be determined in the future, and compare the signature to see if it has changed. If there is a change, the contract has been tampered with.

[0122] Recording the digital signature in the target PNFT as on-chain data can provide a basis for subsequent verification. For example, to review whether the above data is truly uploaded: based on the provided transaction hash value, you can search in the blockchain to view the content stored in the transaction hash (all metadata of the transaction generated by PNFT, including the assignee, subscription form signature, etc.) and the time of generation; to review whether it is the disputed data: hash the summary of the subscription form and sign it with the user's private key. If the signature is consistent with the signature saved in the blockchain, it can be confirmed that the electronic data involved has been uploaded to the blockchain and has been kept intact and unmodified since it was uploaded to the blockchain.

[0123] In another embodiment of the present invention, step 170 generates an asset share subscription form corresponding to the subscription item selected by the user. After the user digitally signs the asset share subscription form, the digital signature is recorded in the corresponding target asset class non-fungible token as on-chain data for storage, and also includes:

[0124] Step 1721. When the subscription item selected by the user is to purchase the asset exchange voucher of the target asset class non-fungible token, the asset exchange voucher of the target asset class non-fungible token is generated and issued to the user.

[0125] In the embodiment of the present invention, users can choose to purchase the asset exchange voucher (RNFT) of the target PNFT. In the RNFT state, the PNFT can be unminted, and users can trade in the internal trading market (such as the issuer platform) or the external trading market (such as the cross-chain NFT trading market). RNFT holders do not need to complete real-name authentication and can purchase directly, which improves the liquidity of asset transactions.

[0126] Step 1722. When the user confirms to exchange the asset exchange voucher of the target asset class non-fungible token for the target asset class non-fungible token, the user will be authenticated by real name.

[0127] In an embodiment of the present invention, if the holder of RNFT chooses to exchange RNFT for target PNFT, real-name authentication is performed on the holder of RNFT.

[0128] Once PNFT is minted or exchanged, it will enter a preset transaction lock-up period. During the lock-up period, PNFT cannot be transferred or transferred to RNFT. During the lock-up period, the PNFT issuer platform will distribute dividends to PNFT holders based on the income of the asset itself and the number of shares represented by PNFT.

[0129] Step 1723. When the user's real-name authentication is passed, a second asset share subscription agreement corresponding to the target asset class non-homogeneous token is generated.

[0130] Step 1723. After the user digitally signs the second asset share subscription agreement, the digital signature is recorded in the target PNFT and saved as on-chain data.

[0131] In one embodiment of the present invention, after the user confirms to exchange the asset exchange voucher for the target PNFT, the asset exchange voucher is locked or destroyed.

[0132] In an embodiment of the present invention, a hash value calculation is performed on the bytes of the electronic document of the second asset share subscription form to obtain a digest hash value, wherein the electronic document may include formats such as pdf, doc, docx, etc.; when the user confirms the terms in the second asset share subscription form, the digest hash value is electronically signed using the blockchain private key of the wallet address.

[0133] The present invention also proposes a real asset share platform based on blockchain, please refer to Figure 2 , Figure 2 This is a structural block diagram of the asset fractionalization platform based on blockchain in the implementation of the present invention. The platform includes an asset chain module 201, a property rights fractionalization module 202 and an asset subscription module 203.

[0134] The asset on-chain module 201 is used to obtain the asset holding information of the original asset holder and create on-chain assets based on the asset holding information.

[0135] The property rights fractionalization module 202 is used to fractionalize the property rights of the assets on the chain to obtain a number of asset-type non-homogeneous tokens, where each asset-type non-homogeneous token contains a number of shares on the chain.

[0136] The asset subscription module 203 is used to obtain the subscription items selected by the user. The subscription items are directly purchasing the target asset class non-fungible token or purchasing the asset exchange voucher of the target asset class non-fungible token, wherein the target asset class non-fungible token is any one or more of all asset class non-fungible tokens, and the asset exchange voucher is compatible with the blockchain of various technical systems.

[0137] Generate an asset share subscription agreement corresponding to the subscription item selected by the user. After the user digitally signs the asset share subscription agreement, the digital signature is recorded in the corresponding target asset class non-fungible token and saved as on-chain data.

[0138] The blockchain-based real-asset fractionalization platform proposed in the embodiment of the present invention obtains PNFT by fractionalizing the property rights of assets, so that users can subscribe to PNFT or PNFT asset exchange vouchers. On the basis of retaining the uniqueness and uniqueness of the assets, fractional transactions are realized, while the liquidity of the assets is enhanced.

[0139] Figure 3FIG. 1 shows an internal structure diagram of a computer device in one embodiment of the present invention. The computer device may be a terminal or a system. Figure 3 As shown, the computer device includes a processor, a memory and a network interface connected via a system bus. The memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program. When the computer program is executed by the processor, the processor may implement each step in the above method embodiment. The internal memory may also store a computer program. When the computer program is executed by the processor, the processor may implement each step in the above method embodiment. Those skilled in the art will understand that Figure 3 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0140] In one embodiment, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes each step in the above method embodiment.

[0141] In one embodiment, a computer-readable storage medium is proposed, which stores a computer program. When the computer program is executed by a processor, the processor executes each step in the above method embodiment. A person of ordinary skill in the art can understand that all or part of the processes in the above embodiment method can be completed by instructing the relevant hardware through a computer program. The program can be stored in a non-volatile computer-readable storage medium, and the program can include the processes of the embodiments of the above methods when executed. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0142] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0143] The above embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several modifications and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for real-world asset fractionalization based on blockchain, characterized in that: The method comprises: Obtain the asset holding information of the original asset holder, and create on-chain assets based on the asset holding information; The assets on the chain are divided into shares to obtain a number of asset-type non-fungible tokens, where each of the asset-type non-fungible tokens contains a number of shares on the chain; Obtain the subscription item selected by the user, where the subscription item is to directly purchase the target asset class non-fungible token or to purchase the asset exchange voucher of the target asset class non-fungible token, wherein the target asset class non-fungible token is any one or more of all asset class non-fungible tokens, and the asset exchange voucher is compatible with blockchains of various technical systems; Generate an asset share subscription form corresponding to the subscription item selected by the user. After the user digitally signs the asset share subscription form, the digital signature is recorded in the corresponding target asset class non-fungible token and saved as on-chain data; The generating of the asset share subscription form corresponding to the subscription item selected by the user, after the user digitally signs the asset share subscription form, records the digital signature into the corresponding target asset class non-homogeneous token as on-chain data for storage, specifically includes: When the subscription item selected by the user is to directly purchase the non-fungible token of the target asset class, the user is subject to real-name authentication; When the user's real-name authentication is passed, a first asset share subscription form corresponding to the target asset class non-fungible token selected by the user is generated; After the user digitally signs the first asset share subscription form, the digital signature is recorded in the target asset class non-fungible token and saved as on-chain data; The real-name authentication of the user specifically includes: Obtaining the real-name information of the user and calculating a hash value of the real-name information; Matching the hash value of the real-name information with a preset target value to obtain a first matching result; Obtaining a private key of the wallet provided by the user, and generating a user signature related to the public key of the wallet according to the private key of the wallet; Verifying whether the user signature is generated by the private key of the wallet, and when it is confirmed that the user signature is generated by the private key of the wallet, matching the user signature with the public key of the wallet to obtain a second matching result; When both the first matching result and the second matching result are successful matches, the real-name authentication of the user is passed, and the hash value of the real-name information is bound to the blockchain address of the wallet; Among them, after the user digitally signs the first asset share subscription form, the digital signature is recorded in the target asset class non-fungible token as on-chain data for storage, specifically including: Obtaining a digest hash value of the first asset share subscription form based on the electronic document of the first asset share subscription form; When the user agrees to the terms of the first asset share subscription agreement, the digest hash value is digitally signed using the blockchain private key in the blockchain address, and the digital signature is recorded in the target asset class non-fungible token as on-chain data for storage; Wherein, the generating of the asset share subscription form corresponding to the subscription item selected by the user, after the user digitally signs the asset share subscription form, recording the digital signature into the corresponding target asset class non-homogeneous token as on-chain data for storage, also includes: When the subscription item selected by the user is to purchase the asset exchange voucher of the target asset class non-fungible token, the asset exchange voucher of the target asset class non-fungible token is generated and issued to the user; When the user confirms to exchange the asset exchange voucher of the target asset class non-fungible token for the target asset class non-fungible token, the user is authenticated by real name; When the user's real-name authentication is passed, a second asset share subscription form corresponding to the target asset class non-fungible token is generated; After the user digitally signs the second asset share subscription agreement, the digital signature is recorded in the target asset class non-fungible token and saved as on-chain data.

2. The method according to claim 1, characterized in that When the user confirms to exchange the asset exchange voucher for the target asset class non-fungible token, the asset exchange voucher will be locked or destroyed.

3. The method according to claim 1, characterized in that The method further comprises: Upload the asset share subscription form to the preset decentralized network; The decentralized network calculates the hash value of the asset share subscription agreement and determines the version of the asset share subscription agreement.

4. A real-asset share platform based on blockchain, characterized in that: The platform includes an asset chain module, a property rights share module and an asset subscription module; The asset chain module is used to obtain the asset holding information of the original asset holder and create assets on the chain based on the asset holding information; The property rights fractionalization module is used to fractionalize the property rights of the assets on the chain to obtain a number of asset-class non-homogeneous tokens, wherein each of the asset-class non-homogeneous tokens contains a number of shares on the chain; The asset subscription module is used to obtain the subscription items selected by the user, wherein the subscription items are directly purchasing the target asset class non-fungible token or purchasing the asset exchange voucher of the target asset class non-fungible token, wherein the target asset class non-fungible token is any one or more of all asset class non-fungible tokens, and the asset exchange voucher is compatible with the blockchain of various technical systems; Generate an asset share subscription form corresponding to the subscription item selected by the user. After the user digitally signs the asset share subscription form, the digital signature is recorded in the corresponding target asset class non-fungible token and saved as on-chain data; The asset subscription module is further used to perform real-name authentication on the user when the subscription item selected by the user is to directly purchase the non-fungible token of the target asset class; When the user's real-name authentication is passed, a first asset share subscription form corresponding to the target asset class non-fungible token selected by the user is generated; After the user digitally signs the first asset share subscription form, the digital signature is recorded in the target asset class non-fungible token and saved as on-chain data; The platform is further used to obtain the real-name information of the user and calculate the hash value of the real-name information; Matching the hash value of the real-name information with a preset target value to obtain a first matching result; Obtaining a private key of the wallet provided by the user, and generating a user signature related to the public key of the wallet according to the private key of the wallet; Verifying whether the user signature is generated by the private key of the wallet, and when it is confirmed that the user signature is generated by the private key of the wallet, matching the user signature with the public key of the wallet to obtain a second matching result; When both the first matching result and the second matching result are successful matches, the real-name authentication of the user is passed, and the hash value of the real-name information is bound to the blockchain address of the wallet; The platform is further configured to calculate a digest hash value of the first asset share subscription form based on the electronic document of the first asset share subscription form; When the user agrees to the terms of the first asset share subscription agreement, the digest hash value is digitally signed using the blockchain private key in the blockchain address, and the digital signature is recorded in the target asset class non-fungible token as on-chain data for storage; The asset subscription module is further configured to generate an asset exchange voucher for the target asset class non-fungible token and issue it to the user when the subscription item selected by the user is to purchase an asset exchange voucher for the target asset class non-fungible token; When the user confirms to exchange the asset exchange voucher of the target asset class non-fungible token for the target asset class non-fungible token, the user is authenticated by real name; When the user's real-name authentication is passed, a second asset share subscription form corresponding to the target asset class non-fungible token is generated; After the user digitally signs the second asset share subscription agreement, the digital signature is recorded in the target asset class non-fungible token and saved as on-chain data.

5. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the processor is caused to perform the steps of the method according to any one of claims 1 to 3.

6. A computer device comprising a memory and a processor, characterized in that: The memory stores a computer program, and when the computer program is executed by the processor, the processor is caused to perform the steps of the method according to any one of claims 1 to 3.

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