Digital asset processing method and electronic device based on blockchain

Abstract

The present invention discloses a digital asset processing method and electronic device based on blockchain. It relates to the field of blockchain, and the method comprises: receiving a payment request for a target transaction initiated through a blockchain network based on a user-side account, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server-side account of the target transaction in a target payment institution; based on a currency bridge contract, exchanging a second amount of target digital assets of equal value to the first amount of source digital assets, the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines the exchange relationship between multiple different types of digital assets; depositing the second amount of target digital assets into a server-side account. The present invention solves the technical problem of high transaction costs and low efficiency due to the processing of digital assets across payment institutions through the intervention of a third-party institution in the related art.

Description

Technical Field

[0001] The present invention relates to the field of blockchain, and in particular to a blockchain-based digital asset processing method and electronic device. Background Art

[0002] With the development of blockchain technology, blockchain technology has been widely used in the field of digital asset processing, such as the field of digital asset-based payment. For example, payment institutions must issue digital assets (such as tokens) based on the credit of physical assets (such as legal currency) stored by users in payment institutions to support blockchain payments. Since each payment institution independently issues its own digital assets, a payment island phenomenon has been formed. Users face significant obstacles in the flow of funds between different payment institutions, especially when users hold digital assets issued by a payment institution and try to pay merchants signed by another payment institution, they cannot directly exchange and settle digital assets seamlessly.

[0003] The blockchain payment system in related technologies generally relies on the digital asset system of a single payment institution for circulation. Although some solutions, such as centralized exchanges, provide digital asset exchange services, such solutions often involve third-party intermediaries, which increase security risks and additional costs. In addition, for merchants, the management burden and technical connection complexity brought by accepting digital assets from multiple different institutions are also extremely high.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The embodiments of the present invention provide a digital asset processing method and electronic device based on blockchain, so as to at least solve the technical problems of high transaction costs and low efficiency caused by the processing of digital assets across payment institutions through the intervention of a third-party institution in the related technology.

[0006] According to one aspect of an embodiment of the present invention, a blockchain-based digital asset processing method is provided, comprising: receiving a payment request for a target transaction initiated through a blockchain network based on a user-side account, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server-side account of the target transaction in a target payment institution; based on a currency bridge contract, exchanging a second amount of target digital assets of equal value to the first amount of source digital assets, the source digital assets and the target digital assets being different types of digital assets, and the currency bridge contract defining an exchange relationship between multiple different types of digital assets; and depositing the second amount of target digital assets into the server-side account.

[0007] According to another aspect of an embodiment of the present invention, a blockchain-based digital asset processing device is also provided, including: a receiving module, used to receive a payment request for a target transaction initiated based on a user-side account through a blockchain network, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server-side account of the target transaction in a target payment institution; an exchange module, used to exchange a second amount of target digital assets of equal value to the first amount of source digital assets based on a currency bridge contract, the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines exchange relationships between multiple different types of digital assets; a deposit module, used to deposit the second amount of target digital assets into a server-side account.

[0008] According to another aspect of an embodiment of the present invention, a non-volatile storage medium is also provided, wherein the non-volatile storage medium stores a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing any one of the blockchain-based digital asset processing methods.

[0009] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the blockchain-based digital asset processing methods.

[0010] In an embodiment of the present invention, by receiving a payment request for a target transaction initiated through a blockchain network based on a user-side account, wherein the payment request is used to indicate the first amount of source digital assets used to pay the target transaction, and the target transaction in the target payment institution's server account; based on a currency bridge contract, exchanging a second amount of target digital assets of equal value to the first amount of source digital assets, the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines the exchange relationship between multiple different types of digital assets; the second amount of target digital assets is deposited into the server account. The purpose of reducing the intermediate links and efficiently conducting transactions across payment institutions through the automated processing of currency bridge contracts is achieved, thereby achieving the technical effect of improving the transaction efficiency across payment institutions and reducing transaction costs, thereby solving the technical problem of high transaction costs and low efficiency due to the processing of digital assets across payment institutions through the intervention of third-party institutions in related technologies. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0012] Figure 1 is a flowchart of a digital asset processing method based on blockchain according to an embodiment of the present invention;

[0013] Figure 2 is a flowchart of an optional blockchain-based digital asset processing method according to an embodiment of the present invention;

[0014] Figure 3 is a schematic diagram of system modules of an optional blockchain-based digital asset processing method according to an embodiment of the present invention;

[0015] Figure 4 2 is a schematic diagram of a blockchain-based digital asset processing device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0016] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings 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 should fall within the scope of protection of the present invention.

[0017] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0018] First, to facilitate understanding of the embodiments of the present invention, some terms or nouns involved in the present invention are explained below:

[0019] Blockchain (BC) refers to a distributed database technology that stores data on multiple nodes in a decentralized manner to form a continuous, tamper-proof data chain. Each block contains a certain number of data records, which are encrypted and linked to the previous block to form a chain structure. The core features of blockchain technology are security, transparency, and immutability. It allows multiple participants to conduct transactions and verifications without a central authority. Blockchain technology has now been widely used in many fields such as finance, supply chain management, and smart contracts.

[0020] Digital assets refer to assets that exist in electronic form and are stored in computer systems or networks.

[0021] Currency Bridge Contract (CBC) refers to a financial contract that allows funds to be transferred and settled between two or more different monetary systems. In the blockchain field, a Currency Bridge Contract may refer to a smart contract that automatically executes the terms of currency exchange and fund transfer on the blockchain platform. This type of contract can reduce the trust requirements of both parties to the transaction because the execution of the contract is transparent and once deployed on the blockchain, it cannot be tampered with.

[0022] A token is a digital asset that represents a certain value or equity in the blockchain and cryptocurrency space and runs on a specific blockchain platform. Tokens can represent currency, assets, equity, services, etc. They can be used for transactions, investments, or as a reward mechanism. Tokens are usually issued through an initial token offering or on a decentralized financial platform.

[0023] Smart contracts refer to program codes that automatically execute, control and record digital asset transaction rules based on blockchain technology. They have the characteristics of automatic execution, no need for human intervention, openness, transparency and non-tamperability.

[0024] According to an embodiment of the present invention, a method embodiment of blockchain-based digital asset processing is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in an order different from that shown here.

[0025] Figure 1 is a flowchart of a digital asset processing method based on blockchain according to an embodiment of the present invention. Figure 1 As shown, the method comprises the following steps:

[0026] Step S102, receiving a payment request for a target transaction initiated by a user account through a blockchain network, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server account of the target transaction at a target payment institution;

[0027] Optionally, the first amount of source digital assets may refer to a specific amount of a certain digital asset that the user wants to use to pay the target transaction when initiating a payment request. The source digital asset in this embodiment is relative to the target digital asset, and refers to the part of the digital asset that the user currently holds and intends to use for payment. The source digital asset is different from the type of digital asset supported by the recipient (i.e., the other party to the target transaction, such as a merchant or another user). The first amount emphasizes the specific amount of the source digital asset involved in the payment request. The digital asset may be a token, the corresponding source digital asset may be a source token, and the target digital asset may be a target token.

[0028] Optionally, a payment institution may refer to any entity participating in a blockchain-based multi-token clearing system, which entity may be, but is not limited to, a financial service provider with the ability to issue tokens, where financial service providers include, but are not limited to, third-party payment service companies, digital currency exchanges, or other forms of financial intermediaries.

[0029] Optionally, the user can initiate a payment request through the blockchain network. This request contains the target transaction information that the user wants to pay, and can also indicate the first amount of source digital assets that the user intends to pay, as well as the server account of the target payment institution associated with the target transaction. This step S102 is the entrance to the entire payment and clearing process, which can capture the user's willingness to pay and specific payment needs. The integrity and authenticity of the payment request received through the blockchain network can be guaranteed by blockchain technology. The distributed ledger characteristics of the blockchain network ensure that the payment information cannot be tampered with, enhancing the security of payment. The payment request includes the specific accounts of the target transaction and the target payment institution.

[0030] Step S104: based on the currency bridge contract, exchanging a second amount of target digital assets of equal value to the first amount of source digital assets, wherein the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines exchange relationships between multiple different types of digital assets;

[0031] Optionally, the Currency Bridge Contract can be used as the core unit for cross-institutional token exchange, supporting real-time exchange between multiple tokens. The exchange rate can be set to a fixed value or dynamically adjusted based on the real-time market price provided by the oracle. The Currency Bridge Contract can achieve fast exchange of any token trading pair through close collaboration with other contracts. When performing the exchange, a one-time handling fee can also be charged directly by the Currency Bridge Contract.

[0032] Optionally, in a blockchain-based multi-token clearing system, users and merchants may hold tokens issued by different payment institutions, and merchants may only accept specific types of tokens as payment. Therefore, when making a payment, users need to convert their source digital assets (such as A tokens) into target digital assets (such as B tokens) accepted by merchants, and the number of converted target digital assets must be sufficient to cover the amount of the target transaction. This number is called the second amount of target digital assets.

[0033] Optionally, the source digital asset (such as A token) in the user's payment request can be converted into a digital asset (such as B token) received by the target payment institution based on the currency bridge contract. This conversion process is the key to the smooth operation of the cross-institutional payment and clearing system. It can break down the barriers between tokens of different payment institutions and realize the cross-system circulation of tokens. Through the currency bridge contract, the equivalent conversion between the source digital asset and the target digital asset can be ensured, that is, the second amount of the target digital asset is equal in value to the first amount of the source digital asset. This mechanism ensures the accuracy and fairness of user payments and avoids value loss. The currency bridge contract can define the exchange relationship between multiple different types of digital assets, which involves the setting of exchange rates, which can be fixed or dynamically adjusted according to the real-time market price provided by the oracle. By using dynamic exchange rates, market changes can be responded to immediately to maintain the optimization and fairness of transactions.

[0034] In an optional embodiment, based on a currency bridge contract, exchanging a second amount of target digital assets of equal value to a first amount of source digital assets includes: the currency bridge contract determines the exchange rate between the source digital assets and the target digital assets; and according to the exchange rate, exchanging the first amount of source digital assets for the second amount of target digital assets.

[0035] Optionally, the currency bridge contract first determines the exchange rate between the source digital asset (such as the A token of payment institution A) and the target digital asset (such as the B token of payment institution B). This exchange rate can be a pre-set fixed value or the result of dynamic adjustment of real-time market prices obtained through an oracle. Through this mechanism, the currency bridge contract can ensure that the value conversion between different types of digital assets is based on accurate and fair exchange rates, thereby ensuring the equivalence of asset value during the user's payment process. By converting a first amount of source digital assets into a second amount of target digital assets, users can use different types of digital assets for payment. Users can choose payment methods more freely, improving the flexibility and convenience of payment. By automating the execution of smart contracts, token conversion can be completed efficiently and accurately. The design of smart contracts ensures strict compliance with transaction rules and reduces the possibility of human intervention, thereby improving the efficiency and security of transactions.

[0036] It can be understood that the currency bridge contract can define the exchange rules between different types of digital assets. Through these rules, the digital assets of the first amount source paid by the user are instantly converted into the second amount of target digital assets required by the target payment institution, eliminating the obstacles for users to make payments between different payment institutions. The currency bridge contract can rely on the liquidity in the savings pool (such as the fund pool) to complete the instant exchange of tokens, ensuring that even under a large number of transaction requests, it can respond quickly and provide sufficient target digital assets to maintain the stability and transaction efficiency of the system. During the exchange process, the currency bridge contract will charge a certain fee as an operating cost. The fee collection and distribution mechanism promotes resource contribution between payment institutions and ensures the sustainable operation of the system. The currency bridge contract runs on the blockchain. Once a payment request is received, it automatically performs the exchange operation without human intervention, reducing operational errors and delays, and improving transaction speed and reliability.

[0037] Optionally, the currency bridge contract can obtain real-time exchange rate data through an oracle to ensure that each exchange is based on the latest and most accurate market value, improving the fairness of transactions and market competitiveness. Among them, the oracle can be a bridge for data interaction between the blockchain system and the outside world (such as traditional financial markets). It can introduce credible external data into the blockchain smart contract, allowing the smart contract to make decisions based on this data. In the blockchain-based multi-token clearing system, the role of the oracle is particularly critical, which can ensure the accuracy and fairness of the exchange rate in the currency bridge contract module.

[0038] In an optional embodiment, the method further includes: receiving a supply adjustment request for a first digital asset initiated by a user-side account through a blockchain network, wherein the supply adjustment request includes a digital asset type and an adjustment amount of the first digital asset; and adjusting the supply of the first digital asset based on the supply adjustment request and the digital asset contract, wherein the digital asset contract defines a correspondence between a request type of the supply adjustment request and an adjustment method.

[0039] Optionally, the supply of digital assets can be adjusted dynamically to ensure its correspondence with the real economy (such as legal currency reserves). When a user tops up or withdraws cash, the system automatically issues or destroys the corresponding amount of the first digital asset through the digital asset contract, maintaining a one-to-one correspondence between digital assets and physical asset reserves, thereby maintaining the stability and credit of the system.

[0040] Optionally, supply adjustment requests initiated by the user end can be combined with the automatic execution of smart contracts to ensure that all operations comply with predefined rules and regulatory requirements. This process is transparent and visible on the blockchain, which can improve the compliance of the system and user trust. When physical assets are deposited, the number of physical assets increases and digital assets are issued; when withdrawn, the number of physical assets decreases and digital assets are destroyed.

[0041] In an optional embodiment, based on the supply adjustment request and the digital asset contract, the supply of the first digital asset is adjusted, including: when the request type of the supply adjustment request is a withdrawal request, based on the digital asset contract, the supply of the first digital asset can be adjusted by destroying the first digital asset of the adjustment amount; or when the request type of the supply adjustment request is a recharge request, based on the digital asset contract, the supply of the first digital asset can be adjusted by issuing an additional amount of the first digital asset.

[0042] Optionally, the digital asset contract can dynamically adjust the supply of digital assets based on different request types, namely withdrawal requests and recharge requests. When a user initiates a withdrawal request, the corresponding digital asset will be destroyed to reduce the supply; when a user recharges, the corresponding digital asset will be issued to increase the supply. The dynamic adjustment mechanism can ensure that the total amount of digital assets is consistent with the reserve of physical assets, maintaining the stability and credit of the payment system. Through the linkage adjustment with the reserve of physical assets, the digital asset contract can ensure that the value of each unit of digital assets is equal to the value of the same amount of physical assets. Whether destroying or issuing digital assets, it is based on the real value change of physical assets to respond and maintain the equivalent relationship between digital assets and physical assets. By issuing (when recharging) and destroying (when withdrawing) digital assets, inflation or deflation caused by disorderly changes in the supply of digital assets can be effectively prevented, and the economic balance of the payment ecosystem can be maintained.

[0043] Optionally, the physical asset can be legal tender, which is the anchor of most token values. Legal tender is the basis for the exchange between users and tokens. In payment scenarios, users may use legal tender to purchase tokens, or exchange their tokens back to legal tender. This exchange can occur at a payment institution, acting as a bridge between physical assets and digital assets.

[0044] Optionally, the asset management contract can be used to process the user's digital asset recharge and withdrawal, ensuring that each unit of digital asset maintains a one-to-one correspondence with the corresponding physical asset reserve, maintaining the stability and security of the blockchain system.

[0045] Optionally, when the reserve or value of the physical asset is adjusted, the target adjustment amount of the first digital asset equivalent to the adjustment amount of the physical asset is determined through the asset management contract. Regardless of how the reserve or value of the physical asset changes, the one-to-one correspondence between the two can be maintained by adjusting the supply of the digital asset, thereby ensuring the stability of the value of the digital asset. Through the digital asset contract, the adjustment of the supply of the first digital asset can be automatically executed according to the target adjustment amount determined by the asset management contract. Automated adjustment can improve processing efficiency, avoid errors or delays caused by human factors, and enhance the stability and reliability of the blockchain system. The linkage between the asset management contract and the digital asset contract reflects the collaboration of different smart contract modules. The asset management contract is responsible for determining the target adjustment amount, while the digital asset contract is responsible for executing the specific supply adjustment. The two work together to ensure the value equivalence between digital assets and physical assets and system stability.

[0046] Step S106, depositing the second amount of target digital assets into the server account.

[0047] Optionally, the server account can refer to an account established for a user, merchant or other entity in the target payment institution system for receiving, storing and managing digital assets. Specifically, when a cross-payment institution transaction occurs, such as user A using the A token held by payment institution A to pay merchant B, and merchant B's account is opened in payment institution B, then the server account refers to the account owned by merchant B in payment institution B.

[0048] Optionally, when the currency bridge contract generates target digital assets of equal value, these assets can be immediately deposited into the target payment institution's server account to ensure that the merchant can receive the payment in time, thereby completing the payment process from the user end to the server end. The target digital assets deposited in the target payment institution's account ensure their security and compliance through the automatic execution of smart contracts. Each transaction is recorded on the distributed ledger of the blockchain, which can provide an unalterable transaction record, protect the security of funds, and facilitate compliance inspections by regulators. By depositing the target digital assets into the server account, digital assets between different payment institutions can be seamlessly circulated, enhancing the interoperability of the entire payment system, breaking down payment silos, and promoting the unification and integration of the payment ecosystem.

[0049] In an optional embodiment, before depositing the second amount of target digital assets into the server account, the method also includes: adding the first amount of source digital assets to a savings pool, and updating the digital asset share of the source digital assets in the savings pool, wherein the savings pool is used to store digital assets of corresponding types from multiple payment institutions.

[0050] Optionally, the savings pool, or funding pool, refers to a centrally managed smart contract account used to store liquidity reserves provided by all payment institutions participating in the clearing system.

[0051] Optionally, the savings pool can be used to store liquidity reserves provided by participating institutions. When the currency bridge contract generates a target digital asset, the corresponding amount of source digital assets is added to the savings pool. The process of adding source digital assets to the savings pool is accompanied by the update of the digital asset shares of each payment institution in the savings pool. Whenever the active digital assets increase, the token ratio of each payment institution in the savings pool will also be adjusted accordingly, thereby ensuring the dynamic balance of digital assets in the savings pool and reflecting the latest status of funds between payment institutions. By regularly updating the digital asset shares from the savings pool, the robustness of the system can be strengthened. It ensures that the currency bridge contract has sufficient liquidity reserves for token conversion, while also avoiding excessive concentration of digital assets in the savings pool in one or several tokens, reducing the impact of single asset fluctuations on the overall system.

[0052] In an optional embodiment, before adding the first amount of source digital assets to the savings pool and updating the digital asset share of the source digital assets in the savings pool, the method also includes: storing the initial amounts of digital assets corresponding to multiple payment institutions in the savings pool, wherein the multiple payment institutions correspond to different types of digital assets one by one; and determining the digital asset shares of the multiple payment institutions in the savings pool based on the initial amounts of digital assets corresponding to the multiple payment institutions.

[0053] Optionally, before starting the method of this embodiment, the savings pool needs to be initialized, that is, each payment institution needs to deposit a certain amount of digital assets into the savings pool as a liquidity reserve. This process can ensure that the savings pool has the basic conditions for processing cross-institutional transactions when the system starts, and can respond to transaction requests in a timely manner. Based on the initial amount of digital assets deposited by each payment institution, the share ratio of each payment institution in the savings pool is automatically calculated and determined. This ratio determines the fee income that each institution can obtain in subsequent cross-institutional transactions, as well as the authority and limit of accessing digital assets in the savings pool.

[0054] Optionally, the determination of the savings pool share can be used to promote fair competition and cooperation among payment institutions. Payment institutions with higher shares have greater influence in the system, can obtain more benefits, and also bear more liquidity provision responsibilities. The process of initializing the savings pool and determining the share ratio is carried out under the supervision of the blockchain's smart contract. All operations are open, transparent, and cannot be tampered with, ensuring the security of user funds during cross-institutional transfers and the protection of the rights and interests of each payment institution in the savings pool.

[0055] In an optional embodiment, the method further includes: upon receiving digital asset settlement requests from multiple payment institutions, allocating digital assets to the multiple payment institutions based on their respective digital asset shares in the savings pool.

[0056] Optionally, a clearing request refers to the process by which a payment institution or system requests settlement and adjustment of digital assets between accounts or in a savings pool after completing a series of transactions.

[0057] Optionally, in this embodiment, after all relevant payment institutions jointly initiate instructions, the reserve amount is automatically cleared through smart contracts, and the tokens in the fund pool are allocated to each institution according to the share ratio, and the new round of multi-party liquidity reserve configuration needs to be updated at the same time. This ensures that the clearing process is based on the actual contribution ratio of each payment institution to the savings pool, thereby achieving more accurate and fair digital asset clearing and allocation. In the savings pool, the digital asset shares of different payment institutions reflect the liquidity provided by them in the blockchain system. Therefore, the allocation during clearing also reflects the capital flow and contribution of each payment institution accordingly. Regular clearing and updating of the savings pool shares helps to maintain the liquidity balance within the system. Ensure that the total amount of digital assets in the savings pool matches the actual needs of each payment institution, avoid excessive concentration or dispersion of liquidity reserves, and reduce the impact of single token fluctuations on system stability. The clearing results of the savings pool shares can directly affect the distribution of handling fees in the multi-token clearing system. The higher the share ratio of the payment institution in the savings pool, the larger its proportion in the handling fee distribution is, which encourages payment institutions to actively provide liquidity and promote resource sharing and cooperation among institutions. The share-based digital asset allocation mechanism allows the distribution of digital assets in the savings pool to be automatically adjusted according to actual transactions and liquidation requests. This ensures that it can adapt to changing transaction needs and market conditions and maintain long-term stability and flexibility.

[0058] In an optional embodiment, the method also includes: receiving asset reserve requests respectively sent by multiple payment institutions; based on the asset reserve requests, injecting digital assets of corresponding types of multiple payment institutions into the currency bridge contract according to a predetermined reserve amount, and updating the digital asset shares of the multiple payment institutions in the savings pool.

[0059] Optionally, asset reserve requests sent by multiple payment institutions are received, digital assets are injected according to a predetermined amount, and the shares in the savings pool are updated. For example, all payment institutions involved (i.e., multiple payment institutions) can inject their own tokens into the currency bridge according to the agreed reserve amount, obtain the capital pool (i.e., savings pool) share and the commission sharing rights. This embodiment can ensure that the currency bridge contract can continue to provide liquidity, support the instant exchange of digital assets between different payment institutions, and enhance the stability of the system and the continuity of transactions. By pre-reserving digital assets, the share ratio of each payment institution in the currency bridge is also updated. In the savings pool, the balance of rights and interests of all participants can be ensured, and cooperation between payment institutions can be promoted.

[0060] In an optional embodiment, the method also includes: receiving an asset reserve request from a first payment institution among multiple payment institutions; based on the asset reserve request, obtaining the asset increase quantity of the newly added first type of digital assets; injecting the first type of digital assets into the currency bridge contract according to the asset increase quantity, and reducing other types of digital assets held by the first payment institution in the currency bridge contract, wherein the other types of digital assets are digital assets other than the first type of digital assets.

[0061] Optionally, receiving an asset reserve request from a payment institution can be a unilateral provision of additional liquidity to balance the proportion of different digital assets in the fund pool (i.e., the savings pool) to prevent users from being unable to exchange due to too few digital assets on their side, that is, all payment institutions involved in the transaction inject their own tokens into the currency bridge according to the agreed reserve amount, and withdraw tokens from other institutions at the same time, without changing the fund pool (i.e., the savings pool) share and the commission sharing rights. This embodiment allows payment institutions to independently decide to increase the number of specific types of digital assets in the savings pool when necessary, and at the same time reduce other types of digital assets held in the currency bridge contract. This flexibility can improve the response speed of payment institutions in the face of market changes or user needs, and can more quickly meet the payment needs of users in different payment scenarios, while also promoting the dynamic balance and optimal allocation of resources among payment institutions.

[0062] In an optional embodiment, the method also includes: receiving voting results sent separately by multiple payment institutions, the voting results being support for or not support for configuration changes of the currency bridge contract; based on the currency bridge governance contract and the voting results sent separately by multiple payment institutions, determining a first configuration change result of the currency bridge contract, wherein the first configuration change result is used to indicate whether to make configuration changes to the currency bridge contract, and the currency bridge governance contract defines rules for determining the configuration change results based on the voting results.

[0063] Optionally, the configuration of the currency bridge contract can be changed by voting based on the currency bridge governance contract. Specifically, the voting results of the payment institutions are received, and the decision on whether to change the contract configuration is made based on the currency bridge governance contract. This mechanism introduces a decentralized decision-making process, which can ensure that the adjustment of the key parameters of the currency bridge contract is based on the consensus of all participating institutions, enhancing the democracy and fairness of the system. Through the currency bridge governance contract, payment institutions can jointly participate in decision-making, improve the management and control capabilities of the entire system, and also enhance the collaboration and trust between payment institutions. Among them, the key parameters of the currency bridge contract can include but are not limited to transaction pairs, exchange rules, and handling fee sharing.

[0064] In an optional embodiment, the method further includes: making configuration changes to the currency bridge contract based on the currency bridge regulatory contract, wherein the currency bridge regulatory contract is used to define configuration change items of the currency bridge contract.

[0065] Optionally, based on the Currency Bridge Regulatory Contract, make direct configuration changes to the Currency Bridge Contract. The Regulatory Contract gives regulators the authority to bypass the regular governance process for immediate management when necessary, ensuring that the system can respond and adjust quickly when faced with emergencies or compliance issues. This immediate regulatory capability can not only maintain the compliance and security of the system, but also effectively respond to potential threats to system stability caused by market fluctuations, protect the rights and interests of users and payment institutions, and promote the healthy development of the entire payment ecosystem.

[0066] Through the above steps S102 to S106, the purpose of automated processing of currency bridge contracts to reduce intermediate links and efficiently conduct cross-payment institution transactions can be achieved, thereby achieving the technical effect of improving cross-payment institution transaction efficiency and reducing transaction costs, and further solving the technical problem of high transaction costs and low efficiency due to the processing of digital assets across payment institutions through the intervention of third-party institutions in related technologies.

[0067] Based on the above embodiments and optional embodiments, the present invention proposes an optional implementation method of a digital asset processing method based on blockchain. Figure 2 is a schematic diagram of an optional blockchain-based digital asset processing system structure according to an embodiment of the present invention. The method can be applied to Figure 2 The system shown comprises:

[0068] Asset management contract module: As one of the core components of the system, it is responsible for processing users' token (i.e. digital asset) recharge and withdrawal requests, ensuring that each unit of token maintains a one-to-one correspondence with the corresponding legal currency reserves, and maintaining the stability and security of the system.

[0069] Account contract module: manages and records the account information of payment institutions in their systems. Account assets include self-issued tokens and tokens of other payment institutions obtained through the currency bridge mechanism to achieve the integration and management of assets among institutions.

[0070] Token contract module: The smart contract mechanism is used to dynamically adjust the token supply. When users make top-ups, the reserve fund is increased and tokens are issued accordingly. Conversely, when users withdraw cash, the corresponding number of tokens are destroyed to ensure that the total amount of tokens in the system is synchronized with the legal currency (i.e. physical assets) reserves.

[0071] Currency Bridge Contract Module: As the core unit for cross-institutional token exchange, it supports real-time exchange between multiple tokens. The exchange rate can be set as a fixed value or dynamically adjusted according to the real-time market price provided by the oracle. This module realizes the rapid exchange of any token trading pair through close cooperation with other contract modules. When performing the exchange, a one-time handling fee is directly charged by the Currency Bridge Contract.

[0072] Oracle module: Provides exchange rate data from the outside world (such as the market) to the currency bridge contract module to ensure the fairness and accuracy of the exchange rate. It can be jointly managed by multiple payment institutions to enhance the reliability and anti-attack capabilities of the data source.

[0073] Currency Bridge Governance Contract Module: Responsible for configuring and managing trading pairs within the currency bridge, ensuring the effective establishment and operation of trading pairs, and also involves decisions on liquidity reserves, fee sharing, etc.

[0074] Regulatory contract module: Grants regulators specific permissions to bypass the regular governance process when necessary and directly manage the transaction pairs within the currency bridge to ensure the compliance and orderly operation of the entire clearing system.

[0075] As an optional embodiment, there is a payment institution called "A Payment" and an institution called "B Payment", each of which issues A tokens and B tokens. Users and merchants open accounts in the two institutions and hold their own tokens. In a specific business scenario, user A has a certain number of A tokens in "A Payment", and merchant B opens an account in "B Payment" and hopes to accept payment in B tokens. In the payment system in the related art, if user A wants to pay merchant B for goods or services, he needs to first exchange A tokens into legal currency, pay after opening an account in B Payment, or find a transaction intermediary to exchange A tokens into B tokens before paying. This process is not only complicated, but may also involve fees and delays for multiple exchanges.

[0076] Figure 3 is a flowchart of an optional blockchain-based digital asset processing method according to the above embodiment. Figure 3As shown in the figure, in this method, user A can directly initiate a transfer transaction through the blockchain network and use the A tokens he holds to pay merchant B. When the A token enters the currency bridge contract module, the system automatically converts the A token into the B token according to the pre-set exchange rate, and transfers the converted B token to merchant B's "B payment" account in real time. The A and B tokens in the currency bridge are cleared and settled by the two payment institutions A and B, which does not affect the payment efficiency.

[0077] The method of this embodiment is applicable to transactions between multiple payment institutions in China, as well as payment settlement between different payment institutions in cross-border scenarios. In the specific implementation process, when a user initiates a cross-institutional transaction, the tokens to be transferred first flow into the currency bridge, and then are automatically converted into the tokens of the target payment institution according to the preset exchange rate, and finally transferred to the contracted account of the merchant's institution, thus realizing cross-institutional transfer.

[0078] For the "separation of deposits and withdrawals" that may occur in cross-institutional transactions, payment institutions must reserve a certain amount of tokens in the currency bridge as liquidity in advance to ensure the smooth execution of transactions. The interaction between payment institutions and currency bridges mainly includes the following modes:

[0079] Multi-party liquidity reserve: All payment institutions involved in the transaction pair inject their own tokens into the currency bridge according to the agreed reserve amount, and obtain the savings pool (i.e. fund pool) share and commission sharing rights. This process requires all participants to act in unison, otherwise if any party fails to meet the requirements, the entire operation can be rolled back.

[0080] Unilateral liquidity reserve: One party in a transaction pair can decide to add liquidity to the currency bridge on its own. Although it cannot obtain a share of the fund pool, it can exchange for tokens of other institutions. The unilateral reserve must ensure that it does not over-consume the token reserves of the other institution.

[0081] Reserve liquidation: After all relevant payment institutions jointly initiate instructions, reserve liquidation is automatically carried out through smart contracts, and tokens in the fund pool are allocated to each institution according to their share ratio. At the same time, the new round of multi-party liquidity reserve configuration must be updated.

[0082] Through this embodiment, the purpose of automated processing of currency bridge contracts, reducing intermediate links, and efficiently conducting cross-payment institution transactions can be achieved, which not only achieves the technical effect of improving cross-payment institution transaction efficiency and reducing transaction costs, but also can achieve strict one-to-one mapping between digital assets and physical assets, effectively preventing credit risks and liquidity crises caused by insufficient reserves. At the same time, strengthen the compliance and risk management of cross-institutional transactions. And then solve the technical problems of high transaction costs and low efficiency due to the intervention of third-party institutions in related technologies to process digital assets across payment institutions.

[0083] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. For example, an interface is set up between this system and the relevant user or organization. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0084] In this embodiment, a digital asset processing device based on blockchain is also provided, which is used to implement the above embodiments and preferred implementations, and will not be repeated here. As used below, the terms "module" and "device" can implement a combination of software and / or hardware for a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0085] According to an embodiment of the present invention, there is also provided an apparatus embodiment for implementing the above-mentioned blockchain-based digital asset processing method. Figure 4 is a structural diagram of a digital asset processing device based on blockchain according to an embodiment of the present invention. Figure 4 As shown, the above-mentioned blockchain-based digital asset processing device includes: a receiving module 200, an exchange module 202, and a deposit module 204, wherein:

[0086] A receiving module 200, configured to receive a payment request for a target transaction initiated through a blockchain network based on a user-side account, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server-side account of the target transaction at a target payment institution;

[0087] The exchange module 202 is connected to the receiving module 200 and is used to exchange a second amount of target digital assets of equal value to the first amount of source digital assets based on the currency bridge contract, wherein the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines exchange relationships between multiple different types of digital assets;

[0088] The deposit module 204 is connected to the exchange module 202 and is used to deposit the second amount of the target digital asset into the server account.

[0089] In an embodiment of the present invention, a receiving module 200 is provided to receive a payment request for a target transaction initiated through a blockchain network based on a user-side account, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server-side account of the target transaction in a target payment institution; an exchange module 202 is connected to the receiving module 200, and is used to exchange a second amount of target digital assets of equal value to the first amount of source digital assets based on a currency bridge contract, wherein the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines an exchange relationship between multiple different types of digital assets; a deposit module 204 is connected to the exchange module 202, and is used to deposit the second amount of target digital assets into a server-side account. The purpose of reducing the intermediate links by the automated processing of the currency bridge contract and efficiently conducting transactions across payment institutions can be achieved, thereby achieving the technical effect of improving the transaction efficiency across payment institutions and reducing transaction costs, thereby solving the technical problem of high transaction costs and low efficiency due to the processing of digital assets across payment institutions through the intervention of a third-party institution in the related technology. It should be noted that the above modules can be implemented by software or hardware. For example, for the latter, it can be implemented in the following ways: the above modules can be located in the same processor; or the above modules can be located in different processors in any combination.

[0090] It should be noted that the receiving module 200, the exchange module 202, and the deposit module 204 correspond to steps S102 to S106 in the embodiment, and the examples and application scenarios implemented by the modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above embodiment. It should be noted that the modules as part of the device can be run in a computer terminal.

[0091] It should be noted that the optional or preferred implementation of this embodiment can refer to the relevant description in the embodiment, which will not be repeated here.

[0092] The above-mentioned blockchain-based digital asset processing device may also include a processor and a memory. The above-mentioned receiving module 200, exchange module 202, deposit module 204, etc. are all stored in the memory as program modules, and the processor executes the above-mentioned program modules stored in the memory to realize corresponding functions.

[0093] The processor includes a kernel, which retrieves the corresponding program module from the memory. The kernel may be one or more. The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. The memory includes at least one memory chip.

[0094] According to an embodiment of the present application, an embodiment of a non-volatile storage medium is also provided. Optionally, in this embodiment, the non-volatile storage medium includes a stored program, wherein when the program is running, the device where the non-volatile storage medium is located is controlled to execute any of the above-mentioned blockchain-based digital asset processing methods.

[0095] Optionally, in this embodiment, the non-volatile storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group, and the non-volatile storage medium includes a stored program.

[0096] Optionally, when the program is running, the device where the non-volatile storage medium is located is controlled to perform the following functions: receiving a payment request for a target transaction initiated through a blockchain network based on a user-side account, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server-side account of the target transaction in the target payment institution; based on a currency bridge contract, exchanging a second amount of target digital assets of equal value to the first amount of source digital assets, the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines an exchange relationship between multiple different types of digital assets; depositing the second amount of target digital assets into a server-side account. According to an embodiment of the present application, an embodiment of a processor is also provided. Optionally, in this embodiment, the above-mentioned processor is used to run a program, wherein the above-mentioned program executes any one of the above-mentioned blockchain-based digital asset processing methods when it is running.

[0097] According to an embodiment of the present application, an embodiment of a computer program product is also provided, which, when executed on a data processing device, is suitable for executing a program that initializes any of the steps of the above-mentioned blockchain-based digital asset processing method.

[0098] Optionally, the above-mentioned computer program product, when executed on a data processing device, is suitable for executing a program that initializes the following method steps: receiving a payment request for a target transaction initiated based on a user-side account through a blockchain network, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server-side account of the target transaction at a target payment institution; based on a currency bridge contract, exchanging a second amount of target digital assets of equal value to the first amount of source digital assets, the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines an exchange relationship between multiple different types of digital assets; and depositing the second amount of target digital assets into the server-side account.

[0099] An embodiment of the present invention provides an electronic device, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, the following steps are implemented: receiving a payment request for a target transaction initiated based on a user-side account through a blockchain network, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a server-side account of the target transaction in a target payment institution; based on a currency bridge contract, exchanging a second amount of target digital assets of equal value to the first amount of source digital assets, the source digital assets and the target digital assets are different types of digital assets, and the currency bridge contract defines an exchange relationship between multiple different types of digital assets; and depositing the second amount of target digital assets into a server-side account.

[0100] The above sequence of the embodiments of the present invention is for description only and does not represent the superiority or inferiority of the embodiments.

[0101] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0102] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the above modules can be a logical function division. There may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, modules or indirect coupling or communication connection of modules, which can be electrical or other forms.

[0103] The modules described above as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place or distributed on multiple modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the present embodiment.

[0104] In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist physically separately, or two or more modules may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of software functional modules.

[0105] If the above-mentioned integrated module is implemented in the form of a software function module and sold or used as an independent product, it can be stored in a computer-readable non-volatile storage medium. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a non-volatile storage medium, including a number of instructions to enable a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the various embodiments of the present invention. The aforementioned non-volatile storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0106] The above are only preferred embodiments of the present invention. It should be pointed out that, for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A digital asset processing method based on blockchain, characterized in that: include: A payment request for a target transaction initiated through a blockchain network based on a user-side account is received, wherein the payment request is used to indicate a first amount of source digital assets used to pay the target transaction, and a service-side account of the target transaction at a target payment institution; Based on the currency bridge contract, exchanging a second amount of target digital assets of equal value to the first amount of source digital assets, wherein the source digital assets and the target digital assets are digital assets of different types, and the currency bridge contract defines exchange relationships between multiple different types of digital assets; Depositing the second amount of target digital assets into the server account.

2. The method according to claim 1, characterized in that The exchanging of a second amount of target digital assets having the same value as the first amount of source digital assets based on the currency bridge contract comprises: Determining an exchange rate between the source digital asset and the target digital asset based on the currency bridge contract; The first amount of source digital assets is exchanged for the second amount of target digital assets according to the exchange rate.

3. The method according to claim 1, characterized in that Before depositing the second amount of target digital assets into the server account, the method further includes: The first amount of source digital assets is added to a savings pool, and the digital asset share of the source digital assets in the savings pool is updated, wherein the savings pool is used to store digital assets of corresponding types of multiple payment institutions.

4. The method according to claim 3, characterized in that Before adding the first amount of source digital assets to the storage pool and updating the digital asset share of the source digital assets in the storage pool, the method further includes: Storing the initial amounts of digital assets corresponding to a plurality of payment institutions respectively into a savings pool, wherein the plurality of payment institutions correspond to different types of digital assets; Based on the initial amounts of digital assets respectively corresponding to the multiple payment institutions, the digital asset shares of the multiple payment institutions in the savings pool are determined.

5. The method according to claim 4, characterized in that The method further comprises: In the event of receiving digital asset settlement requests from the multiple payment institutions, digital assets are allocated to the multiple payment institutions respectively based on their respective digital asset shares in the savings pool.

6. The method according to claim 3, characterized in that The method further comprises: Receiving asset reserve requests respectively sent by the multiple payment institutions; Based on the asset reserve request, digital assets of corresponding types of the multiple payment institutions are injected into the currency bridge contract according to the predetermined reserve amount, and the digital asset shares of the multiple payment institutions in the savings pool are updated.

7. The method according to claim 3, characterized in that The method further comprises: receiving an asset reserve request from a first payment institution among the plurality of payment institutions; Based on the asset reserve request, obtaining an asset increase quantity of the newly added first type of digital asset; The first type of digital assets is injected into the currency bridge contract according to the increased amount of the assets, and other types of digital assets held by the first payment institution in the currency bridge contract are reduced, wherein the other types of digital assets are digital assets other than the first type of digital assets.

8. The method according to claim 3, characterized in that The method further comprises: Receiving voting results respectively sent by the multiple payment institutions, the voting results being support for the currency bridge contract configuration change or not support for the currency bridge contract configuration change; Based on the currency bridge governance contract and the voting results respectively sent by the multiple payment institutions, the first configuration change result of the currency bridge contract is determined, wherein the first configuration change result is used to indicate whether to make a configuration change to the currency bridge contract, and the currency bridge governance contract defines rules for determining the configuration change result based on the voting results.

9. The method according to claim 3, characterized in that: The method further comprises: Based on the currency bridge supervision contract, the currency bridge contract is configured to be changed, wherein the currency bridge supervision contract is used to define the configuration change items of the currency bridge contract.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the blockchain-based digital asset processing method described in any one of claims 1 to 9.

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