Full-amount asset digital credit valuation transaction value-added system and method

Abstract

The invention discloses a full-amount asset digital credit valuation transaction value-added system and method, and belongs to the technical field of asset digital credit transaction. The system comprises an intelligent contract layer and a block chain layer, and the intelligent contract layer is used for carrying out registration management on basic credit of each subject, evaluating asset digital credit data, obtaining credit data and carrying out transaction, obtaining a financing limit and related data of a financial institution, and obtaining progress data and income data of a platform. And related information is signed and then input to the block chain layer. The method comprises eight links of asset digital value evaluation, asset digital credit conversion and collection, closed-loop project planning, digital asset credit guarantee investment, production service provision, product sales, income increment and income increment redistribution. According to the scheme, assessment, transaction and appreciation of asset digital credit are realized through the block chain technology, the transparency and security of asset transaction are improved, the transaction cost is reduced, and the transaction efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the technical field of digital asset credit transactions, and particularly to a full-asset digital credit valuation transaction value-added system and method. Background Art

[0002] With the rapid development of the digital economy, the role of data elements in economic development has become increasingly prominent. As a new form of assets, digital assets urgently need innovation in value assessment and trading methods. There are many problems in traditional asset trading models, such as high transaction costs, opaque information, and difficulty in fully utilizing asset value. The emergence of blockchain technology provides new ideas for solving these problems. With its characteristics of decentralization, immutability, security and reliability, blockchain technology can provide reliable technical support for digital asset credit transactions. Summary of the Invention

[0003] The present invention aims to propose a full-asset digital credit valuation transaction value-added system and method, which realizes digital asset value assessment, credit conversion, transaction and value-added through blockchain technology, and provides new impetus for economic development.

[0004] The technical solution of the present invention to solve the above technical problems is as follows: In the first aspect, a full-asset digital credit valuation transaction value-added system is constructed, including: a smart contract layer for registering and managing the basic credit of each subject, evaluating digital asset credit data, obtaining credit data and conducting transactions, obtaining the financing amount and related data of financial institutions, obtaining the progress data and income data of the platform, and inputting the relevant information into the blockchain layer after signature;

[0005] The blockchain layer for storing and processing the information input by the smart contract layer;

[0006] The smart contract layer includes:

[0007] A basic information block for registering and managing the basic credit of each subject and inputting it into the blockchain layer after signature;

[0008] A credit block for evaluating the digital asset credit data of society and the government, and inputting the credit data into the blockchain layer after being signed with the user digital certificate;

[0009] A transaction block for obtaining credit data, and after the permission instruction sent by the supplier is received, inputting the user digital certificate of the data application party and the digital certificate of the blockchain node into the blockchain layer after signature;

[0010] A financing block for obtaining the financing amount, appropriation amount, timestamp, digital certificates of both the transferor and transferee, and the digital certificate of the blockchain node of a financial institution, and inputting them into the blockchain layer after signature;

[0011] The operation block is used to obtain the platform's progress data, income data, timestamp, organization digital certificate, and blockchain node digital certificate for signature and input into the blockchain layer;

[0012] The system interacts with the smart contract layer and the blockchain layer in real time according to the needs of business processing to achieve:

[0013] 1) Individuals, enterprises, social organizations and regional governments report their asset information through the Internet and mobile terminals;

[0014] 2) Conduct digital asset value assessment on participating entities;

[0015] 3) Conversion and aggregation of digital asset credits; that is, converting the digital asset value of each participating entity into the digital asset credit value of each entity in proportion; supporting closed-loop project planning, for specific closed-loop construction or production projects, aggregating the digital asset credit values ​​of each entity to build a digital asset credit pool, which, at a certain ratio, serves as an important supplement to the existing financing currency circulation;

[0016] 4) Credit guarantee investment in asset digitization, that is, planning projects, organizing production and services, realizing sales transactions, increasing revenue and redistributing revenue value through credit guarantees;

[0017] 5) During the life cycle of a project, when the digital credit value of an individual subject's assets changes and is less than the credit value required by the project, the transaction subject requires the individual subject to increase its credit value within a certain period of time, or to make additional investment in the form of currency. Otherwise, the subject's qualification to participate in the project transaction will be terminated, and the subject's initial digital credit and currency invested in the project will be returned; the additional digital credit value and currency required by the project will be supplemented by the new transaction subject, and the physical rights formed by the project belong to the new transaction subject;

[0018] 6) When the total monetary value of the project gain plus the initial monetary investment reaches the equivalent total monetary value of the project investment and reasonable profit, or at the latest within the agreed period after the project is delivered, the owner of the demand side shall pay the entire equivalent monetary value of the credit value of the system entity, and at the same time, the original digital credit can be fully recovered and withdrawn by the original entity; or the demand side may apply to the platform and, with the guarantee of a guarantee company, convert it into a long-term redeemable asset digital credit, which will be retained on the platform for continuous use; the subsequent operating income shall be distributed in proportion to the sum of the initial investment and the credit value until the project product is lost.

[0019] In the above system of the present invention, the digital asset value assessment is used to anchor the total assets of individuals, enterprises, governments, social organizations, natural ecological resources and other assets, wherein the total digital asset value includes the digital value of personal assets, the digital value of enterprise assets, the digital value of government assets, the digital value of social organization assets, the digital value of natural ecological resource assets, and the digital value of other assets. That is, when the digital asset value assessment is based on the system-recognized algorithm to obtain the value assessment, the digital certificate, timestamp, and blockchain node certificate are loaded from the operating block and imported into the credit block together with the valuation data.

[0020] In the above-mentioned system of the present invention, the asset digital credit conversion and collection specifically refers to relying on the digital value of the assets of each subject, for its tradable part, after obtaining the corresponding authorization of each subject, the obtained asset digital value will be converted into the asset digital credit value according to a certain coefficient; after the asset digital credit value is collected, a common digital credit pool is formed, which is used as an equivalent of reproduction activities together with existing currency for transactions and settlements; the total value of the digital credit pool is collected through authorized assignment of digital credit from individuals, enterprises, governments, associations, natural resources, and other sources.

[0021] In the above-mentioned system of the present invention, the asset digitalization credit guarantee investment specifically refers to the collection of digital credits of various entities as a guarantee for project or product investment based on the demand of the total cost of the investment or production project, in coordination with the currency in a certain proportion, corresponding to the corresponding investment needs of funds, raw materials, labor, technology, management, etc. The asset digitalization credit value as the cost investment is converted and collected from the asset digitalization credit by various investment entities, including individuals, enterprises, governments, associations, natural resources, and other sources; the credit value evaluated by each investment entity is equivalent to the sovereign currency and is recognized by each entity.

[0022] On the other hand, a method for value-added transaction of digital credit valuation of all assets is constructed, which uses blockchain technology, relies on the full assets of various asset owners such as individuals, enterprises, and governments, obtains the digital credit value of assets recognized by various entities through digital value evaluation of assets, and for specific closed-loop construction or production projects, gathers the digital credit values ​​of assets of various entities to build an asset digital credit pool, and plans projects, organizes production and services, and realizes sales transactions and value-added redistribution in the form of credit guarantees as an important supplement to the circulation of existing financing currencies according to a certain proportion; the method includes the following steps:

[0023] Digital asset value assessment;

[0024] Asset digitization credit conversion and aggregation;

[0025] Closed-loop project planning;

[0026] Digital asset credit guarantee investment;

[0027] Production service provision;

[0028] Product sales;

[0029] Income appreciation and redistribution of income appreciation.

[0030] In the above method of the present invention, the digital asset value assessment is used to anchor the total assets of individuals, enterprises, governments, social organizations, natural ecological resources and other assets, wherein the digital value of the total assets includes the digital value of personal assets, the digital value of enterprise assets, the digital value of government assets, the digital value of social organizations' assets, the digital value of natural ecological resources assets, and the digital value of other assets. That is, when the digital asset value assessment is based on a system-recognized algorithm to obtain a value assessment, the digital certificate, timestamp, and blockchain node certificate are loaded from the operating block and imported into the credit block together with the valuation data.

[0031] In the above method of the present invention, the asset digital credit conversion and aggregation refers to the aggregation of asset digital credit values ​​in a certain proportion according to project requirements to form a common digital credit pool, which is used together with existing currency as an equivalent of reproduction activities for trading and settlement;

[0032] The total value of the digital credit pool is collected through authorized assignment from digital credits of individuals, enterprises, governments, associations, natural resources, and other sources.

[0033] In the above method of the present invention, the digital asset credit guarantee investment refers to the collection of digital credit values ​​of various entities as a guarantee for project or product investment based on the total cost of the investment or production project, in coordination with currency in a certain proportion, to pay the corresponding funds, raw materials, labor, technology, management and other investment needs; the digital credit value of assets as cost investment is evaluated and collected from the digital credit of assets by various investment entities, including individuals, enterprises, governments, consortia, natural resources, and other sources.

[0034] The implementation of the full-asset digital credit valuation transaction value-added system and method provided by the present invention has the following advantages because it realizes the evaluation, transaction and value-added of digital asset credit through blockchain technology: it improves the transparency and security of asset transactions; it reduces transaction costs and improves transaction efficiency; it makes full use of asset value and improves asset liquidity; it provides new financing channels and growth momentum for economic development. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] The accompanying drawings described herein are used to provide a further understanding of the present invention and form a part of the present invention. The schematic 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:

[0036] Figure 1 It is a schematic diagram of the composition of the full - scale asset digitalized credit valuation trading value - added system of the present invention.

[0037] Figure 2 It is a schematic diagram of a partial architecture of the full - scale asset digitalized credit trading value - added system.

[0038] Figure 3 It is a schematic diagram of the full - scale asset digitalized credit trading value - added method.

[0039] Figure 4 It is a topology diagram of the full - scale asset digitalized credit trading value - added method. Detailed implementation manners

[0040] To make the objectives, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some, but not all, of the embodiments of the present invention. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0041] The following is a unified explanation of the names in the application documents of the present invention as follows.

[0042] Digital assets: refer to non - monetary assets that are owned or controlled by an enterprise or an individual, exist in the form of electronic data, and are held for sale in daily activities or are in the production process. The value of digital assets is the evaluated value of the assetization of the data object itself.

[0043] Asset digitalization: is the process of converting physical assets into binary digits in the virtual world. From an economic essence perspective, asset digitalization refers to the process of converting assets in the physical world into digital form and mapping them into the digital space. The main purpose of asset digitalization is to improve the value exchange process of physical assets and make transactions more convenient. Asset digitalization does not change the original realization method of asset value, and its existence depends on the existing assets in the physical world.

[0044] Digital Asset Value: It refers to the digitalization of various tangible and intangible assets, and the evaluation and determination of their values based on various digital attributes. By referring to the average pricing of various assets and differential value-added pricing in the same period, and combining with fair weights, the comprehensive value is calculated. The digital asset value is measured in monetary units. The commonly used methods for evaluating digital asset value include the income approach, the market approach, and the cost approach. Among them, the income approach calculates the asset value by discounting the expected income; the market approach estimates and adjusts the asset price by referring to similar assets in the market and comparing the transaction price and transaction conditions; the cost approach measures the asset price by deducting the asset depreciation from the current condition replacement cost.

[0045] Digital Asset Credit: It is the credit value that can be circulated and traded, which is converted based on the digital asset value owned by each entity, according to a certain conversion coefficient and the entity's authorization willingness. The digital asset credit is also measured in monetary units. The digital credit value is an anchor-based, divisible, circulable, and convertible digital token product based on the digital asset value.

[0046] Blockchain: According to the definition in the China Blockchain White Paper, blockchain is "a chain-like data structure formed by combining data blocks in chronological order, and a distributed ledger guaranteed by cryptography to be tamper-proof and forgery-proof." "A new distributed infrastructure and computing paradigm that uses a block-chain data structure to verify and store data, uses a distributed node consensus algorithm to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses smart contracts composed of automated script codes to program and operate data."

[0047] In the embodiment of the full-scale digital asset credit valuation, trading, and value-added system of the present invention, as Figure 1 , it includes a smart contract layer and a blockchain layer. The smart contract layer is used to register and manage the basic credit of each entity, evaluate the digital asset credit data, obtain credit data and conduct transactions, obtain the financing quota and related data of financial institutions, obtain the progress data and income data of the platform, and input the relevant information after signature to the blockchain layer;

[0048] The blockchain layer is used to store and process the information input by the smart contract layer;

[0049] The smart contract layer includes:

[0050] The basic information block is used to register and manage the basic credit of each entity, and input it to the corresponding blockchain layer of the basic information block after signature;

[0051] Credit block, used to evaluate the digital asset credit data of society and the government. After adding the user digital certificate signature to the credit data, it is input into the blockchain layer corresponding to the credit block. The digital asset credit data of society and the government includes the digital asset credit data of organizations such as individuals, enterprises, and the government.

[0052] Transaction block, used to obtain credit data. After the supplier sends an approval instruction, the user digital certificate of the data application party and the digital certificate of the blockchain node are signed and then input into the blockchain layer. Specifically, based on the credit transaction record, after the credit supplier sends a transaction "approval" instruction, the system signs the credit transaction amount, credit transaction time, the user digital certificates of the credit supplier and the credit recipient, and the digital certificate of the blockchain node, and then inputs them into the blockchain layer corresponding to the transaction block.

[0053] Financing block, obtains the financing amount, appropriation amount, timestamp, digital certificates of the transferor and transferee, and the digital certificate of the blockchain node, signs them, and then inputs them into the blockchain layer corresponding to the financing block.

[0054] Operation block, used to obtain the progress data, income data, timestamp, organizational digital certificate, and digital certificate of the blockchain node of the platform, sign them, and then input them into the blockchain layer. Specifically, the operation data of each entity (individuals, enterprises, government agencies, banks, etc.) that participates in daily access and maintenance of its own blockchain records, as well as the project operation and maintenance records, are signed with the timestamp, organizational digital certificate, and digital certificate of the blockchain node, and then input into the blockchain layer corresponding to the operation block.

[0055] The system relies on the total assets of the participating entities and interacts with the smart contract layer and the blockchain layer in real time according to the needs of business processing to achieve:

[0056] 1) Individuals, enterprises, social organizations, and regional governments report their asset information through the Internet and mobile terminals.

[0057] 2) Conduct digital asset value assessment on the participating entities.

[0058] 3) Conduct digital asset credit conversion and aggregation; that is, convert the digital asset value of each participating entity into the digital asset credit value of each entity according to a certain proportion. Support the planning of closed-loop projects. For specific closed-loop construction or production projects, aggregate the digital asset credit values of each entity to form a digital asset credit pool, which is used as an important supplement to the existing financing currency circulation according to a certain proportion. Among them, the adopted value of the digital asset credit value of a single entity is determined according to the amount of the total amount required by the project allocated to the digital asset credit value of a single entity.

[0059] 4) Credit guarantee investment in asset digitization, that is, planning projects, organizing production and services, realizing sales transactions, increasing revenue and redistributing revenue value through credit guarantees;

[0060] 5) During the life cycle of a project, when the digital credit value of an individual subject's assets changes and is less than the credit value required by the project, the transaction subject requires the individual subject to increase its credit value within a certain period of time, or to make additional investment in the form of currency. Otherwise, the subject's qualification to participate in the project transaction will be terminated, and the subject's initial digital credit and currency invested in the project will be returned; the additional digital credit value and currency required by the project will be supplemented by the new transaction subject, and the physical rights formed by the project belong to the new transaction subject;

[0061] 6) When the total monetary value of the project gain plus the initial monetary investment reaches the equivalent total monetary value of the project investment and reasonable profit, or at the latest within the agreed period after the project is delivered (such as within 3 years after delivery), the owner of the demand side shall pay the entire equivalent monetary value of the credit value of the system entity, and at the same time, the original digital credit can be fully recovered and withdrawn by the original entity; or the demand side may apply to the platform and, with the guarantee of a guarantee company, convert it into a long-term redeemable asset digital credit, which will be retained on the platform for continuous use; the subsequent operating income shall be distributed in proportion to the sum of the initial investment and the credit value until the project product is lost.

[0062] The users of the system involve individuals, enterprises, governments, banks, third-party institutions and other entities involved in the project. Taking the construction of parking lots as an example, it specifically involves car owners, developers (including infrastructure, equipment suppliers, and labor service units), government departments, banking and financial institutions involved in financing, and third-party price assessment agencies. All users will automatically participate in the entry and transaction operations of system data through online account login. The management of the "asset digitalization credit transaction business layer" is realized through interactive operations, and real-time interaction with the "smart contract layer" and "blockchain layer" is carried out according to the needs of business processing. Each entity will design module permissions based on the actual needs of the information required for its own assets, value, credit, transactions, management, operations, etc. For example, car owners can enter their own asset information, view their own asset value and credit and transactions; development, construction and operation units can manage their own project information, credit transaction information of car owners involved in transactions, etc.

[0063] In an embodiment of the full asset digitization credit valuation transaction value-added system of the present invention, as Figure 2 , complete project planning, asset digital value assessment and aggregate them into the credit pool. The project implementation entity uses the credit pool for guaranteed financing, project design, construction, operation and service, income, loan repayment and redistribution. When the market needs it, it can serve as a credit source for other projects and participate in their ADC process. It includes the following steps:

[0064] 1. Digital asset value assessment (110): conduct a value assessment on the digital assets of the participating entities, including the digital value of personal assets, the digital value of corporate assets, the digital value of government assets, etc.

[0065] 2. Asset digitalization credit conversion: Convert the digital asset value of each participating entity into the digital asset credit value of each entity in proportion.

[0066] 3. Project planning (130) and credit pool (120) construction: For specific closed-loop construction or production projects, the digital asset credit values ​​of various entities are gathered to build a digital asset credit pool, which serves as an important supplement to the existing financing currency circulation.

[0067] 4. Credit guarantee and transaction: Through the form of credit guarantee (140), planning projects, organizing production / services (150), realizing sales transactions (170) and value-added redistribution (180).

[0068] In the present invention, Figure 3 In the full-asset digital credit valuation transaction value-added system (ADC platform for short), the digital asset value assessment is used to anchor the full assets of individuals, enterprises, governments, social organizations, natural ecological resources and other assets, among which the digital value of the full assets includes the digital value of personal assets, the digital value of enterprise assets, the digital value of government assets, the digital value of social organizations' assets, the digital value of natural ecological resources assets, and the digital value of other assets. That is, when the digital asset value assessment is based on the system-recognized algorithm to obtain the value assessment, the digital certificate, timestamp, and blockchain node certificate are loaded from the operation block and will be imported into the credit block together with the valuation data.

[0069] Total Asset Digital Value (TAV t ) including the digital value of personal assets (TLV) t ), enterprise asset digital value (TEV t ), local / central government asset digital value (TGV t ,) and the digital value of the consortium’s organizational assets (TPLV t ), Digital Value of Natural Ecological Resource Assets (TNatV it ), other digital asset value (TOthV it ) Anchoring the total tangible and intangible assets of individuals, enterprises, governments and other social organizations.

[0070] TAV t =TLV t +TEV t +TGV t +TPLV t +TNatVit +TOthV it

[0071] The asset digital credit conversion and collection relies on the digital value of each subject's assets. For the tradable part, after obtaining the corresponding authorization of each subject, the obtained asset digital value will be converted into asset digital credit value according to a certain coefficient; after the asset digital credit value is collected, a common digital credit pool is formed, which is used together with the existing currency as the equivalent of reproduction activities for transactions and settlements. The total value of the digital credit pool is collected by digital credit from individuals, enterprises, governments, associations, natural resources, and other sources through authorization and assignment:

[0072] ΔTAV t =ΔTLV t +ΔTEV t +ΔTGV t +ΔTPLV t +ΔTNatV it +ΔTOthV it

[0073] In the formula: "Δ" represents the prefix symbol of the digital credit value increment of each entity's assets

[0074] After the asset digital credit conversion is aggregated, the individual or organization digital certificate, timestamp, and node certificate are loaded from the operation block and imported into the credit block.

[0075] Digital credit guarantee and investment refers to the collection of digital credits of various entities as a guarantee for project or product investment in accordance with the total cost of investment or production projects, in coordination with the currency at a 1:1 ratio, corresponding to the corresponding investment needs of funds, raw materials, labor, technology, management, etc. The digital credit value of assets as cost input is converted and collected from digital credits of assets by various investment entities, including individuals, enterprises, governments, consortiums, natural resources, and other sources; the credit value assessed by each investment entity is equivalent to the sovereign currency and is recognized by each entity.

[0076] ΔIpCV it =f(ΔIpLCV it , ΔIpECV it , ΔIpGCV it , ΔIpTPLCV it , ΔIpNatCV it , ΔIpOthCV it )

[0077] In the formula: "ΔIp" represents the prefix symbol of the increment of the digital asset credit value used for guarantee investment by each entity; the function "f" is the conversion relationship of the digital asset credit value of each entity used for guarantee, and its calculation logic relationship is in accordance with the contract agreement.

[0078] After the quantification of the digital asset credit quantity used as cost investment, personal or organizational digital certificates, time stamps, and node certificates are loaded and incorporated into the financing guarantee block and the transaction block.

[0079] The embodiment of the present invention also provides a method for increasing the value of the full - volume digital asset credit valuation transaction, as Figure 4 shown in the topology diagram of the method for increasing the value of the full - volume digital asset credit transaction. The main chain of the full - volume digital asset credit valuation transaction value - added blockchain is linked through a credit collection gateway with the government asset information collection and reporting interface, the social organization asset information reporting interface, the enterprise asset information reporting interface, the personal asset information reporting, etc.; at the same time, it is also linked with the basic information block, the credit verification block, the investment and financing block, the operation income block, and the computing resource block. The industrial and commercial tax information exchange is linked with the main chain through the industrial and commercial tax gateway, and the financing information exchange is linked with the main chain through the financial monitoring gateway.

[0080] The method for increasing the value of the full - volume digital asset credit valuation transaction uses blockchain technology, relying on the full - volume assets of various asset owners such as individuals, enterprises, and governments. Through digital technology, the digital value of assets is evaluated, and the asset value is converted into the digital asset credit of each entity according to a certain proportion. For specific closed - loop construction or production projects, the digital asset credit values of each entity are aggregated to form a digital asset credit pool, which, according to a certain proportion, serves as an important supplement to the existing financing currency circulation. Through the form of credit guarantee, projects are planned, production and services are organized, sales transactions are realized, and value - added redistribution is carried out. The main links of the method include eight links: digital asset value evaluation, digital asset credit conversion and aggregation, closed - loop project planning, digital asset credit guarantee investment, production service provision, product sales, income value - added, and income value - added redistribution. The functions of the above - mentioned links rely on the above - mentioned full - volume digital asset credit valuation transaction value - added system, and the main processes of each link are as follows:

[0081] (1) Digital asset value evaluation is to digitize various tangible and intangible assets and evaluate and determine their values according to various digital attributes, referring to the average pricing of each asset in the same period and the differential value - added pricing, and calculating the comprehensive pricing by combining the fair weight. For this purpose, a digital asset value evaluation model for the full - volume assets of organizations such as individuals, enterprises, and governments is proposed:

[0082] The full - volume digital asset value (TAV t ) includes the digital asset value of individuals (TLV t ) and the digital asset value of enterprises (TEVt )、Digital value of local / central government assets (TGV t， )、Digital value of consortium organization assets (TPLV t )、Digital value of natural ecological resource assets (TNatV it )、Digital value of other assets (TOthV it ) It consists of. It anchors all tangible and intangible assets of individuals, enterprises, governments and other social organizations.

[0083] TAV t =TLV t +TEV t +TGV t +TPLV t +TNatV it +TOthV it

[0084] After the digital value of assets evaluated by individuals, enterprises, governments and other organizations is calculated by the system-recognized algorithm, personal or organizational digital certificates, time stamps, and node certificates are loaded and input into the blockchain layer corresponding to the credit block.

[0085] 1) Evaluation of personal asset digital value. Based on blockchain technology, through the evaluation of the digital value of personal assets, a personal asset digital value based on labor ability guarantee is formed. Personal asset digital value (LV i ) can be composed of three levels of value: regular asset value, asset digital expansion value, and asset digital appreciation value:

[0086] LV i =∑BS_LV i (X j )+EX_LV i (X j )+AD_LV i (X j ), (i = 1, 2,... n; j = 1, 2,... m)

[0087] Among them: The regular asset value BS_LV i (X j ) is composed of the conversion of the value of regular assets such as salary, deposit, real estate, vehicle, stock, bond, etc.; the asset digital expansion value EX_LV i (X j ) is composed of the evaluation of extended attributes such as personal age, education level, professional title, and industry; the asset digital appreciation value AD_LV i (X j) is composed of the conversion of attributes such as personal financial investment, stock investment, innovation and R & D, etc. The total digital value of personal assets (TLV) is formed by aggregating the digital values of all personal assets:

[0088] TLV = ∑LV i (i = 1, 2,...n)

[0089] 2) Evaluation of the digital value of enterprise assets. Based on blockchain technology, through the evaluation of the digital value of enterprise assets, the digital value of enterprise assets based on the guarantee of product production and service provision capabilities is formed. The digital value of enterprise assets (EV i ) can be composed of three levels of value: conventional asset value, digital asset expansion value, and digital asset appreciation value. The specific formula is as follows:

[0090] E V i = ∑BS_EV i (X j ) + EX_EV i (X j ) + AD_EV i (X j ), (i = 1, 2,...n; jj = 1, 2,...m)

[0091] Among them, the conventional asset value BS_EV i (X j ) is composed of the value of conventional assets such as factories, equipment, vehicles, raw materials, products, semi-finished products, funds, accounts receivable, etc.; the digital asset expansion value EX_EV i (X j ) is composed of the evaluation of extended attributes such as talent value, leadership team, patents, copyrights, qualifications, etc.; the digital asset appreciation value AD_EV i (X j ) is composed of the evaluation of capabilities such as the enterprise's investment ability and innovation and R & D ability. The total digital value of enterprise assets (TEV) is formed by aggregating the digital values of all enterprise assets:

[0092] TEV = ∑EV i (i = 1, 2,...n)

[0093] 3) Evaluation of the digital value of local government assets. The digital value of government assets (GV i ) can be composed of three levels of value: conventional asset value, digital asset expansion value, and digital asset appreciation value:

[0094] GV i = ∑BS_GV i (X j ) + EX_GV i (X j) + AD_GV i (X j ), (i = 1, 2, … n; j = 1, 2, … m)

[0095] Among them, the conventional asset value BS_GV i (X j ) is composed of conventional asset values such as land, population, resources, and taxes; the asset digitalization expansion value EX_GV i (X j ) is composed of the evaluation of expansion attributes such as the number of parks, industrial rankings, business environments, preferential policies, and the credibility of the leadership team; the asset digitalization value-added value AD_GV i (X j ) is composed of the conversion of attributes such as the government's project investment ability and emerging industry support ability. The total value of the government's asset digitalization value (TGV) is formed by summarizing the digitalization values of all government assets:

[0096] TGV = ∑GV i (i = 1, 2,... n)

[0097] Based on blockchain technology, through the evaluation of the digitalization value of local government assets, a government asset digitalization value based on the guarantee of public product service capabilities is formed.

[0098] 4) Evaluation of the digitalization value of consortium organization assets. The digitalization value of consortium organization assets (PLV i ) can be composed of three levels of value: conventional asset value, asset digitalization expansion value, and asset digitalization value-added value:

[0099] PLV i = ∑BS_PLV i (X j ) + EX_PLV i (X j ) + AD_PLV i (X j ), (i = 1, 2,... n; j = 1, 2,... m)

[0100] Among them, the conventional asset value BS_pLV i (Xj) is composed of the evaluation of the functions of the consortium operation service platform and the transaction volume of the service platform; the asset digitalization expansion value EX_PLV i (X j ) is composed of the evaluation of expansion attributes such as the characteristics, cohesion, development potential, and leadership ability of the consortium organization; the asset digitalization value-added value AD_PLV i(Xj) is composed of the conversion of attributes such as the investment planning ability of the consortium project and the organizational operation and management ability of the investment project. The total digital value of the consortium organization's assets (TPLV) is formed by summarizing the digital values of all consortium organization assets:

[0101] TPLV = ∑PLV i (i = 1, 2,... n)

[0102] Based on blockchain technology, through the evaluation of the digital value of the consortium organization's assets, the digital value of the consortium organization's assets based on the guarantee of the consortium organization's public service ability and the operation and transaction ability of the service platform is formed.

[0103] (2) Asset digital credit conversion and pooling link

[0104] Relying on the digital value of each subject's assets, for the circulable part, authorized by each subject's agent, part or all of the digital value of the assets can be converted into digital credit. After pooling, it can form a common digital credit pool, which can replace currency as an equivalent in the reproduction activity for transactions and settlements. The total value of the digital credit pool (ΔTACv t ) is formed by the digital credit authorization assignment pooling of individuals (ΔTLCv t ), enterprises (ΔTECv t ), governments (ΔTGCv t ), consortia (ΔTPLCv t ), natural resources (ΔTNatCv it ), and other sources (ΔTOthCv it ).

[0105] ΔTACv t = ΔTLCv t + ΔTECv t + ΔTGCv t + ΔTPLCv t + ΔTNatCv it + ΔTOthCv it

[0106] In the formula:

[0107] ΔTLCv t = ∑ΔLCv it = (ΔTLV t ) / K = ∑ΔLV it / K (i = 1, 2,... n; t = 1, 2,... m)

[0108] (Personal digital asset credit conversion)

[0109] ΔTECv t = ∑ΔECvit =(ΔTEV t ) / K = ∑ΔEV it / K (i = 1, 2, … n; t = 1, 2, … m)

[0110] (Enterprise Digital Credit Value Transformation)

[0111] ΔTGCv t = ∑ΔGCv it =(ΔTGV t ) / K = ∑ΔGV it / K (i = 1, 2, … n; t = 1, 2, … m)

[0112] (Government Digital Credit Value Transformation)

[0113] ΔTPLCv t = ∑ΔPLCv it =(ΔTPLV t ) / K = ∑ΔPLV it / K (i = 1, 2, … n; t = 1, 2, … m)

[0114] (Government Digital Credit Value Transformation)

[0115] After the digital credit transformation of assets is aggregated, personal or organizational digital certificates, time stamps, and node certificates are loaded and incorporated into the credit block.

[0116] (3) Closed-loop Project Planning Link

[0117] Planning and demonstration can form an effective closed-loop investment income project. Through high-level consulting and planning, professional investment project planning and design (PLS) are carried out. From the total demand (ΔD it ), the input of various assets and resources (ΔAV it ), the digital credit input (ΔIpCV it ), product production (ΔPV it ), and product value distribution (Dis(ΔPV it )), a comprehensive planning and design is carried out to give priority to ensuring the overall production, supply, and demand matching of each subject within the platform ecosystem chain.

[0118] PLS[f(ΔD it , ΔAV it , ΔIpCV it , APV it , Dis(ΔPV it ))]

[0119] In the formula: The calculation rule of the f function is in accordance with the contract agreement of the project planning

[0120] Relying on the digital credit collection or additional allocation of each entity, through crowdfunding for construction, operation and recycling, and fair distribution according to the share of credit input, a sustainable innovative development closed-loop model of planning, digital credit collection (or additional allocation), crowdfunding construction, operation and recycling, and product revenue appreciation is formed.

[0121] For the closed-loop project planning achievement report, project information such as input, output, and value appreciation will be loaded with the digital certificates, time stamps, and node certificates organized by the consulting agency and the audit and evaluation unit, and incorporated into the transaction block.

[0122] (4) Digital credit guarantee and input link

[0123] According to the requirements of the total cost of the investment or production project, in coordination with a 1:1 ratio of currency, digital credits of each entity are collected as guarantees for project or product inputs, corresponding to the input requirements of funds, raw materials, labor, technology, management, etc. The digital credit value of assets as cost input (ΔIpCV it ) is aggregated from the digital credit collections of each input entity, including individuals (ΔIpLCV it ), enterprises (ΔIpECV it ), governments (ΔIpGCV it ), consortia (ΔIpTPLCV it ), natural resources (ΔIpNatCV it ), and other sources (ΔIpOthCV it ).

[0124] ΔIpCV it = f(ΔIpLCV it , ΔIpECV it , ΔIpGCV it , ΔIpTPLCV it , ΔIpNatCV it , ΔIpOthCV it )

[0125] After the digital credit value of assets as cost input is quantified, it is loaded with personal or organizational digital certificates, time stamps, and node certificates, and input into the financing block and the transaction block.

[0126] Among them, the adopted value of the digital credit value of assets of a single entity is determined according to the amount of the digital credit value of assets allocated to a single entity according to the total amount required by the project.

[0127] During the entire life cycle of the project, when the digital asset credit value of a single entity changes and is less than the credit value required by the project, the trading entity requires the single entity to increase its credit value within a certain period or make a supplementary investment in the form of currency. Otherwise, the trading qualification of the entity to participate in the project will be terminated, and the initial currency invested in the project will be returned. The supplementary credit value required for the project is supplemented by the trading entity, and the physical rights formed by the project belong to the trading entity.

[0128] (5) Physical production or service provision link

[0129] Physical production or service (ΔP it ) In the provision stage, the manufacturer pools factors such as labor (L), capital (k), technology (T), management (M), etc. according to the production process to produce or provide services.

[0130] ΔP it = f(L, k, T, M,..)

[0131] In the formula, the f function is calculated according to the logic agreed upon according to the actual needs of the production process.

[0132] The business achievement information of project construction, production, and service provision is loaded with personal or organizational digital certificates, time stamps, and node certificates and input into the trading block.

[0133] (6) Product sales and effective demand satisfaction link

[0134] Effective demand (ΔD it ) is initiated by the demand side organization with credit value payment ability, including individual demand (ΔDL (i，t) ), enterprise reproduction activity demand (ΔDE (i，t) ), government administrative demand (ΔDG (i，t) ), natural environment restoration demand (ΔDNat (i，t) ), other demands (ΔDOth (i，t) ), etc. These demands are effectively satisfied through product sales and use. At the same time, these satisfied effective demands will participate in the next link cycle of the chain as the production input of the next link's product or service.

[0135] ΔD it = ΔDL (i，t) + ΔDE (i，t) + ΔDG (i，t) + ΔDNat (i，t) + ΔDOth (i，t)

[0136] The trading business information of sales and demand satisfaction (name of the traded item, form of the traded item, transaction amount, supplier, demander, transaction time, etc.) is loaded with personal or organizational digital certificates, time stamps, and node certificates and input into the credit trading block.

[0137] (7) Product revenue value-added link

[0138] Through product trading activities, after sales recovery, the overall product revenue value (ΔPV it ) minus the original credit value input (ΔIpCV it ), forming the product revenue value-added (ΔΔPV it ).

[0139] ΔΔPV it = ΔPV it - ΔIpCV it

[0140] The business information of revenue value-added loads personal or organizational digital certificates, timestamps, and node certificates, and is incorporated into the transaction block and the credit block.

[0141] (8) Product revenue value-added redistribution link

[0142] The product revenue value-added after sales recovery needs to be redistributed in the directions of individuals, enterprises, governments, natural resource restoration, other channels, etc., to prepare for the next production cycle.

[0143] ΔΔPV it = f(ΔΔPL (i，t) , ΔΔPE (i，t) , ΔΔPG (i，t) , ΔΔPNat (i，t) , ΔΔPOth (i，t) )

[0144] In the formula, the f function is calculated according to the logic of the contract distribution agreement.

[0145] The business information of revenue value-added redistribution loads personal or organizational digital certificates, timestamps, and node certificates, and is incorporated into the transaction block and the credit block.

[0146] The following takes the construction project of a three-dimensional parking garage with 1,000 parking spaces in a community in a first-tier coastal city as an example to elaborate in detail the specific implementation process of the present invention:

[0147] 1. Asset value assessment of vehicle owners and construction units

[0148] Establish a project development and operation company, and register the real estate and vehicle information provided by the vehicle owner side. Complete the registration of social and government basic information, and record the basic information in the basic information block to achieve the immutability of the basic information of vehicle owners, equipment manufacturers, and government departments;

[0149] (1) Part related to personal algorithms:

[0150] LV i = ∑BS_LVi (X j ) + EX_LV i (X j ) + AD_LV i (X j ), (i = 1, 2…n; j = 1, 2, …m)

[0151] The value of the real estate and vehicle assets provided by the vehicle owner is evaluated here. For example, a vehicle owner has real estate worth 4.8 million yuan and vehicle assets worth 0.2 million yuan, totaling 5 million yuan. Among them, for each vehicle owner, the evaluation of the digitalized value of other assets besides real estate and vehicle assets is not necessary in this project.

[0152] (2) Regarding the enterprise algorithm part:

[0153] EV i = ∑BS_EV i (X j ) + EX_EV i (X j ) + AD_EV i (X j ), (i = 1, 2, …n; j = 1, 2, …m)

[0154] The equipment supplier submits the anchoring of enterprise assets such as enterprise factories, production lines, patents, etc. After evaluation, the asset value of the equipment supplier is formed, such as 100 million yuan.

[0155] (3) Regarding the government algorithm part:

[0156] GV i = ∑BS_GV i (X j ) + EX_GV i (X j ) + AD_GV i (X j ), (i = 1, 2…n; j = 1, 2…m)

[0157] The government invests in land with a building area of 5,000 square meters and a land use right of 70 years at 2,000 yuan per square meter, with a discounted value of 10 million yuan. Except for the land required for parking lots, the evaluation of the digitalized value of other assets of government departments is not necessary in this project.

[0158] The above information such as real assets, value evaluation, and authenticity commitment letters of each entity's assets are encrypted and recorded on the asset digitalized credit block by blockchain;

[0159] 2. Asset digitalized credit collection

[0160] (1) Regarding the personal digital credit collection algorithm part:

[0161] ΔTLCvt = ∑ΔLCv it = (ΔTLV t ) / N = ∑ΔLV it / N (i = 1, 2, …n; t = 1, 2, …m)

[0162] The vehicle owner's asset value is credit - converted and authorized at 30% (assuming the currency multiplier is 3, the conversion coefficient is 1 / 3, and after rounding, it is 30%. The following conversion coefficients are the same). Each vehicle owner can obtain 1.5 million yuan of digitalized credit for vehicle owner assets. Calculated based on 1000 vehicle owners, 1.5 billion yuan of digitalized credit for vehicle owner assets can be generated.

[0163] (2) Regarding the part of the enterprise digital credit collection algorithm:

[0164] ΔTECv t = ∑ΔECv it = (ΔTEV t ) / K = ∑ΔEV it / K (i = 1, 2…n; t = 1, 2, …m)

[0165] The assets of the manufacturer are converted into 30 million yuan of digitalized credit for assets;

[0166] (3) Regarding the part of the government digital credit collection algorithm:

[0167] ΔTGCv t = ∑ΔGCv it = (ΔTGV t ) / K = ∑ΔGV it / K (i = 1, 2, …n; t = 1, 2, …m)

[0168] The local government's land assets are converted into 10 million digitalized asset credits at 100% according to the land's contribution as capital.

[0169] The above - mentioned digitalized credit for assets, authorization collection and other information are encrypted and recorded on the digitalized credit block of assets by blockchain.

[0170] 3. Closed - loop project planning

[0171] Involved algorithm:

[0172] PLS[f(ΔD it 、ΔAV it 、ΔIpCV it 、ΔPV it 、Dis(ΔPV it ))]

[0173] Carry out the project establishment design of the three-dimensional parking garage and conduct investment and financing planning based on asset digitalization credit. After the project is established, sign the pre-purchase contract of the three-dimensional parking garage and the asset digitalization credit guarantee contract. Calculated based on the construction cost of 200,000 yuan per three-dimensional parking space and the selling price of 240,000 yuan, a total investment of 200 million yuan is required for 1,000 parking spaces, and the sales output value is 240 million yuan.

[0174] The above operations are carried out online by the corresponding entities (project consulting agencies, car owners, development, construction and operation units) at the asset digitalization credit transaction business layer, and the project planning result data generated by the business layer are respectively registered in the transaction block;

[0175] 4. Pre-sale signing

[0176] The contract stipulates that after the contract is signed, each car owner needs to first purchase with 240,000 yuan of their own asset digitalization credit, and the 240,000 yuan of their own asset digitalization credit will be paid to the development unit after signing; after the parking space is built and delivered, 120,000 yuan of the asset credit needs to be redeemed with cash, and the remaining 120,000 yuan of asset credit can continue to circulate on the platform or the manufacturer can decide whether the car owner needs to redeem it with cash. The car owner needs to promise that after the parking space is built, long-term guarantee of the asset credit will be provided and it can be redeemed with cash. If it cannot be redeemed, the construction and operation unit has the right to recover the parking space and resell or lease it to a third party. The above operations are carried out online by the corresponding entities (project consulting agencies, car owners, development, construction and operation units) at the asset digitalization credit transaction business layer, and the asset digitalization credit transaction information data generated by the business layer are respectively registered in the transaction block and the credit block;

[0177] 5. Financing

[0178] Involved algorithms:

[0179] ΔIpCV it = f(ΔIpLCV it , ΔIpECV it , ΔIpGCV it , ΔIpTPLCV it , ΔIpNatCV it , ΔIpOthCV it )

[0180] The construction manufacturer finances 100 million yuan in cash with 100 million yuan of car owner asset credit and the manufacturer's own asset credit, and retains 140 million yuan of car owner asset credit. The financing part is completed through docking with the banking financial institution system, and the financing data information is registered in the financing block in the form of blockchain encryption.

[0181] 6. Construction

[0182] Involved algorithms:

[0183] AP it = f(L, k, T, M,..)

[0184] In the formula, the f function is calculated according to the logic agreed upon for the actual needs of the construction of the multi-storey parking garage.

[0185] According to the production function, the construction of the garage requires investment in labor, capital, technology, material equipment, etc. According to the needs of the supply ecological chain organization, the development unit also makes procurement payments to each upstream ecological manufacturer in a certain proportion (the proportion of digital currency and asset digital credit payment). The above operations are carried out by the corresponding entity (development, construction and operation unit) in the asset digital credit transaction business layer for project construction management. Through online operations, key result data involved in the project construction, such as start time, participating units, main milestones, delivery time, etc., as well as credit transaction data information, are registered in the transaction block and credit block in the form of blockchain encryption.

[0186] 7. Project Delivery and Operation

[0187] Algorithms related to delivery and demand satisfaction:

[0188] ΔD it = ΔDL (i，t) + ΔDE (i，t) + ΔDG (i，t) + ΔDNat (i，t) + ΔDOth (i，t)

[0189] Among them, in this case project, ΔDL (i，t) only reflects the satisfaction of the demand for multi-storey parking by car owners, with a total personal consumption demand of 240 million yuan for 1,000 parking spaces. The demand variable values for the rest involving enterprises, government, and natural resources are 0.

[0190] The project development and operation company is responsible for the completion acceptance, delivery, and operation after completion of the project. The above operations are carried out online by the corresponding entities (car owners, development, construction and operation units, third-party price evaluation agencies) in the asset digital credit transaction business layer. The generated sales transaction records are registered in the transaction block and credit block in the form of blockchain encryption. Operation information records such as the daily usage times statistics carried out during the project operation period and the access and query of blockchain records by each entity are registered in the operation block in the form of blockchain encryption.

[0191] 8. Loan Repayment

[0192] Return the principal and interest of the bank, return 100 million yuan of bank financing and 6 million yuan of interest (annual interest rate of 3%, for 2 years), with a total principal and interest in cash of 106 million yuan. The financing repayment data information is registered in the financing block in the form of blockchain encryption.

[0193] 9. Project Asset Appreciation and Reallocation

[0194] The algorithm involved in transaction value - added:

[0195] ΔΔPV it = ΔPV it - ΔIpCV it

[0196] After the parking spaces are built, the vehicle owners will pay the development unit 120,000 yuan in cash, and the development unit will recover the cash. After the parking spaces are built, there will be an additional value - added asset credit of 40,000 yuan per parking space beyond the cost of 200,000 yuan. For 1,000 parking spaces, after deducting 6 million yuan of bank interest, a value - added income of 34 million yuan (14 million yuan in cash + 20 million yuan in asset credit) can be obtained, and the value - added ratio is 17%. If considering the further premium of the parking space asset value in the later stage, for example, the premium reaches 300,000 yuan, then the value - added ratio can reach 50%.

[0197] The algorithm involved in redistribution:

[0198] ΔΔPV it = f(ΔΔPL (i，t) , ΔΔPE (i，t) , ΔΔPG (i，t) , ΔΔPNat (i，t) ΔΔPOth (i，t) )

[0199] In the formula, the f function is calculated according to the distribution agreement logic related to the construction and use contract of the three - dimensional parking garage.

[0200] These value - added incomes can be redistributed through negotiation between vehicle owners and development and operation parties.

[0201] The above operations are carried out online by the corresponding entities (vehicle owners, development, construction and operation units) at the asset digital credit transaction service layer. The asset value - added and value - added redistribution generated by the service layer are registered in the transaction block and credit block in the form of blockchain encryption.

[0202] 10. For the implementation process, refer to the following example of the input and output data of the main links in Table 1 below

[0203] Table 1 List of Data for Main Links of Parking Lot Project

[0204]

[0205]

[0206]

[0207] Table 2 is a comparative analysis table of the characteristics of parking garage construction using the currency method and the asset digital credit method of the present invention.

[0208]

[0209]

[0210] In the construction project of a three-dimensional parking garage with 1,000 parking spaces in a certain community above, by using the system and method provided by the present invention, the following have been achieved:

[0211] 1) Asset value assessment: Digitally assess the value of the assets of car owners, equipment suppliers, and the government;

[0212] 2) Asset digital credit collection: Convert the digitalized value of the assets of each entity into asset digital credit in proportion;

[0213] 3) Project planning: Conduct investment and financing planning based on asset digital credit, and sign pre-purchase contracts and guarantee contracts;

[0214] 4) Pre-sale signing: Car owners purchase parking spaces with asset digital credit and pay the development unit after signing;

[0215] 5) Financing: The construction manufacturer finances with asset digital credit and retains part of the asset credit;

[0216] 6) Project construction: Organize the construction of parking spaces according to the production function, and pay cash and asset credit to ecological manufacturers in proportion;

[0217] 7) Project delivery and operation: Car owners redeem part of the asset credit with cash, and the remaining asset credit can be invested in other projects or used for cross-regional procurement;

[0218] 8) Loan repayment: Repay the principal and interest of the bank loan;

[0219] 9) Asset appreciation and redistribution: After the parking spaces are built, value-added asset credit is formed, and the redistribution is dominated by the construction and operation party.

[0220] The above is only the specific implementation manner of the present invention, and the scope of the present invention cannot be limited thereby. Equivalent changes made by those of ordinary skill in the art based on this creation, as well as changes well-known to those skilled in the art, should still fall within the scope covered by the present invention.

Claims

1. A full asset digital credit valuation transaction value-added system, characterized by: The system comprises: The smart contract layer is used to register and manage the basic credit of each entity, evaluate the digital credit data of assets, obtain credit data and conduct transactions, obtain the financing quota and related data of financial institutions, obtain the progress data and income data of the platform, and sign the relevant information and input it into the blockchain layer; The blockchain layer is used to store and process information input by the smart contract layer; The smart contract layer includes: The basic information block is used to register and manage the basic credit of each entity and is input into the blockchain layer after signing; Credit block, used to evaluate the digital credit data of social and government assets. The credit data is signed by the user's digital certificate and then input into the blockchain layer; The transaction block is used to obtain credit data. After the supplier sends the permission instruction, the user digital certificate of the data application party and the digital certificate of the blockchain node are signed and input into the blockchain layer; The financing block obtains the financing amount, disbursement amount, timestamp, digital certificates of the transferee and the blockchain node from the financial institution, signs them, and then inputs them into the blockchain layer; The operation block is used to obtain the platform's progress data, income data, timestamp, organization digital certificate, and blockchain node digital certificate for signature and input into the blockchain layer; The system interacts with the smart contract layer and the blockchain layer in real time according to the needs of business processing to achieve: 1) Individuals, enterprises, social organizations and regional governments report their asset information through the Internet and mobile terminals; 2) Conduct digital asset value assessment on participating entities; 3) Conversion and aggregation of digital asset credits; that is, converting the digital asset value of each participating entity into the digital asset credit value of each entity in proportion; supporting closed-loop project planning, for specific closed-loop construction or production projects, aggregating the digital asset credit values ​​of each entity to build a digital asset credit pool, which, at a certain ratio, serves as an important supplement to the existing financing currency circulation; 4) Credit guarantee investment in asset digitization, that is, planning projects, organizing production and services, realizing sales transactions, increasing revenue and redistributing revenue value through credit guarantees; 5) During the life cycle of a project, when the digital credit value of an individual subject's assets changes and is less than the credit value required by the project, the transaction subject requires the individual subject to increase its credit value within a certain period of time, or to make additional investment in the form of currency. Otherwise, the subject's qualification to participate in the project transaction will be terminated, and the subject's initial digital credit and currency invested in the project will be returned; the additional digital credit value and currency required by the project will be supplemented by the new transaction subject, and the physical rights formed by the project belong to the new transaction subject; 6) When the total monetary value of the project gain plus the initial monetary investment reaches the equivalent total monetary value of the project investment and reasonable profit, or at the latest within the agreed period after the project is delivered, the owner of the demand side shall pay the entire equivalent monetary value of the credit value of the system entity, and at the same time, the original digital credit can be fully recovered and withdrawn by the original entity; or the demand side may apply to the platform and, with the guarantee of a guarantee company, convert it into a long-term redeemable asset digital credit, which will be retained on the platform for continuous use; the subsequent operating income shall be distributed in proportion to the sum of the initial investment and the credit value until the project product is lost.

2. The full asset digital credit valuation transaction value-added system according to claim 1 is characterized in that: The digital asset value assessment is used to anchor the total assets of individuals, enterprises, governments, social organizations, natural ecological resources and other assets, wherein the digital value of the total assets includes the digital value of personal assets, the digital value of enterprise assets, the digital value of government assets, the digital value of social organization assets, the digital value of natural ecological resource assets, and the digital value of other assets. That is, when the digital asset value assessment is based on the system-recognized algorithm to obtain the value assessment, the digital certificate, timestamp, and blockchain node certificate are loaded from the operating block and imported into the credit block together with the valuation data.

3. The full asset digital credit valuation transaction value-added system according to claim 1 is characterized in that: The asset digitalization credit conversion and aggregation specifically refers to relying on the digital value of the assets of each subject, for its tradable part, after obtaining the corresponding authorization of each subject, the obtained asset digital value will be converted into asset digitalization credit value according to a certain coefficient; after the asset digitalization credit value is aggregated, a common digital credit pool is formed, which is used together with the existing currency as an equivalent of reproduction activities for transactions and settlements; the total value of the digital credit pool is aggregated by authorized assignment of digital credit from individuals, enterprises, governments, associations, natural resources, and other sources.

4. The full asset digital credit valuation transaction value-added system according to claim 1 is characterized in that: The asset digitalization credit guarantee investment specifically refers to the collection of digital credits of various entities as a guarantee for project or product investment, in coordination with currency in a certain proportion, based on the needs of the total cost of the investment or production project, corresponding to the corresponding investment needs of funds, raw materials, labor, technology, management, etc. The asset digitalization credit value as the cost investment is converted and collected from the asset digitalization credit by various investment entities, including individuals, enterprises, governments, consortia, natural resources, and other sources; the credit value assessed by each investment entity is equivalent to the sovereign currency and is recognized by each entity.

5. A method for value-added credit valuation transaction of full asset digitization, characterized in that: Using blockchain technology, relying on the full amount of assets of various asset owners such as individuals, enterprises, and governments, through the digital value assessment of assets, the digital credit value of assets recognized by various entities is obtained. For specific closed-loop construction or production projects, the digital credit values ​​of assets of various entities are gathered to build a digital credit pool of assets. According to a certain proportion, as an important supplement to the circulation of existing financing currency, through the form of credit guarantee, projects are planned, production and services are organized, sales transactions and value-added redistribution are realized; the method includes the following steps: Digital asset value assessment; Asset digitization credit conversion and aggregation; Closed-loop project planning; Digital asset credit guarantee investment; Production service provision; Product sales; Income appreciation and redistribution of income appreciation.

6. The method for value-added credit valuation transaction of full asset digitization according to claim 5 is characterized in that: The digital asset value assessment is used to anchor the total assets of individuals, enterprises, governments, social organizations, natural ecological resources and other assets, among which the digital value of the total assets includes the digital value of personal assets, the digital value of enterprise assets, the digital value of government assets, the digital value of social organization assets, the digital value of natural ecological resource assets, and the digital value of other assets. That is, when the digital asset value assessment is based on the system-recognized algorithm to obtain the value assessment, the digital certificate, timestamp, and blockchain node certificate are loaded from the operating block and will be imported into the credit block together with the valuation data.

7. The method for value-added credit valuation transaction of full asset digitization according to claim 5 is characterized in that: The asset digital credit conversion and aggregation refers to the aggregation of asset digital credit values ​​in a certain proportion according to project requirements to form a common digital credit pool, which is used together with existing currencies as an equivalent of reproduction activities for transactions and settlements; The total value of the digital credit pool is collected through authorized assignment from digital credits of individuals, enterprises, governments, associations, natural resources, and other sources.

8. The method for value-added credit valuation transaction of full asset digitization according to claim 5 is characterized in that: The digital asset credit guarantee investment refers to the collection of digital credit values ​​of various entities as a guarantee for project or product investment based on the total cost of the investment or production project, in coordination with currency in a certain proportion, to pay for the corresponding funds, raw materials, labor, technology, management and other investment needs; the digital credit value of assets as cost investment is assessed and collected from the digital credit of assets by various investment entities, including individuals, enterprises, governments, consortia, natural resources, and other sources.

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