Carbon digital asset cross-chain pledge financing method and system, electronic equipment and storage medium

Abstract

The invention discloses a carbon digital asset cross-chain pledge financing method and system, an electronic device and a storage medium, and the method generates carbon digital assets based on carbon transaction market data and Internet of Things sensing data, can accurately reflect the real value of the carbon assets, and can accurately reflect the real value of the carbon assets when cross-platform circulation is carried out on the carbon digital assets. The pledge quota proportion of the carbon digital asset holding node in other block chain platforms is confirmed, the pledge quota is reasonably distributed according to the marginal contribution of each platform at the multi-platform pledge moment, and excessive pledge and repeated use of the carbon digital assets are further prevented from the quota management level. Meanwhile, the real-time value of the carbon digital assets is dynamically evaluated and the abnormal fluctuation of the market is monitored during the lending period, so that a corresponding dynamic risk management strategy is adopted, and the risk of a financial institution is reduced. In addition, the whole pledge financing process is automatically executed on the block chain through the smart contract, and manual intervention is not needed.

Description

Technical Field

[0001] The present invention relates to the field of carbon finance technology, and in particular, to a carbon digital asset cross-chain pledge financing method and system, electronic equipment, and a computer-readable storage medium. Background Art

[0002] As the world's attention to carbon emissions increases, the carbon trading market has become an important tool for addressing climate change. In this context, carbon asset pledge financing has received widespread attention. However, the existing carbon asset pledge financing methods have the following shortcomings:

[0003] 1. The carbon market platform is severely fragmented, and cross-platform interoperability is almost absent: The current carbon market is divided into many regional or national independent platforms. There are huge differences in carbon asset standards between different trading platforms in provinces, cities, countries, etc., such as asset measurement methods and certification standards. This makes cross-platform pledge financing not only require a lot of time and manpower to coordinate the conversion between different standards, but also face high costs, including compliance costs and communication costs. At the same time, the lack of unified cross-chain standards and mechanisms makes it difficult for carbon assets on different types of blockchain platforms to interact, and there is no effective cross-chain pledge position merger calculation method, which makes it impossible to accurately count and manage pledge positions when pledging across platforms, further hindering the development of cross-platform pledge financing business.

[0004] 2. Carbon asset valuation is extremely inaccurate, and the pledge rate is unreasonable and low: the existing carbon asset valuation method relies on a single data source and cannot fully integrate IoT sensor data and market data, making it difficult to accurately reflect the true value of carbon assets. The lack of an effective dynamic valuation model makes it impossible to track market changes in a timely manner, such as real-time changes in carbon asset volatility and the impact of macroeconomic data on the value of carbon assets, causing the valuation results to lag behind market dynamics. In order to avoid risks, financial institutions usually determine the pledge rate by underestimating or over-discounting, resulting in a low pledge rate and limiting the financing capabilities of enterprises.

[0005] 3. The financing process is cumbersome and complex, and the efficiency is extremely low: Carbon asset pledge financing involves multiple institutions such as financial institutions, carbon asset holding companies, and regulatory agencies. Information communication between institutions is poor, and the approval and asset registration processes lack standardization and automation. Most financing operations rely on offline contract signing and manual approval. The process is cumbersome and time-consuming, which seriously affects the financing efficiency. At the same time, there is a lack of intelligent contract-driven automated processes, and it is impossible to achieve automatic execution of pledge applications, asset transfers, and fund issuance. There is no multi-platform pledge quota sharing mechanism, which leads to the inability to reasonably allocate pledge quotas when pledging on multiple platforms, further increasing the complexity and time cost of financing.

[0006] 4. The risk management mechanism is seriously insufficient, and default handling is lagging and inefficient: The existing carbon asset pledge financing lacks an effective real-time risk monitoring mechanism, unable to obtain real-time carbon market price fluctuations, difficult to detect market anomalies in a timely manner. When the market price of carbon assets fluctuates and causes the pledged assets to depreciate, due to the lack of an intelligent contract for automatically adding margin, it is impossible to timely require the replenishment of pledged assets, and financial institutions face losses due to asset depreciation. In addition, the default handling process relies on manual intervention and lacks an automatic liquidation mechanism driven by intelligent contracts. When a default occurs, the asset disposal efficiency is low, and it requires a long legal process and manual coordination, resulting in difficulties for financial institutions to recover funds and increasing financial risks. Summary of the Invention

[0007] The present invention provides a method and system for cross-chain pledge financing of carbon digital assets, an electronic device, and a computer-readable storage medium, which can accurately reflect the true value of carbon assets, further prevent over-pledge and repeated use of carbon digital assets from the aspect of quota management, reduce the risks of financial institutions, realize automated and intelligent management of each link in the pledge financing process, and improve the stability and reliability of the entire system.

[0008] According to one aspect of the present invention, a method for cross-chain pledge financing of carbon digital assets is provided, including the following:

[0009] Obtain carbon asset data and generate corresponding amounts of carbon digital assets on the blockchain, where the carbon asset data includes carbon trading market data and Internet of Things sensing data related to carbon emission reduction;

[0010] Transfer the carbon digital assets across platforms and confirm the pledge quota ratio of the carbon digital asset holding nodes on other blockchain platforms;

[0011] Conduct cross-platform pledge financing based on the pledge quota ratio of the carbon digital assets;

[0012] Dynamically evaluate the real-time value of the carbon digital assets, and simultaneously monitor market abnormal fluctuations, and adopt corresponding dynamic risk management strategies according to the real-time value evaluation results of the carbon digital assets and the market abnormal fluctuation monitoring results;

[0013] After the carbon digital asset holding nodes repay the principal and interest on time, release the pledge on the carbon digital assets.

[0014] Further, the process of obtaining carbon asset data and generating corresponding amounts of carbon digital assets on the blockchain includes the following:

[0015] The carbon digital asset holding nodes collect carbon trading market data and Internet of Things sensing data related to carbon emission reduction and upload them to the blockchain;

[0016] The verification node verifies the authenticity of the collected data based on zero-knowledge proof;

[0017] The carbon digital asset issuance node uses the trained TCN model to predict the carbon asset valuation based on the collected data. According to the predicted carbon asset valuation and the conversion rule between the pre-set carbon asset value and quantity, the number of carbon assets to be allocated is calculated, and after converting it into carbon digital assets, it is allocated to the account of the carbon digital asset holding node;

[0018] After the carbon digital asset holding node confirms that it is correct, it records the issuance information on the chain for storage.

[0019] Furthermore, the process of cross-platform transfer of carbon digital assets and confirmation of the pledge quota ratio of the carbon digital asset holding node on other blockchain platforms includes the following:

[0020] The carbon digital asset holding node initiates a pledge application on the first blockchain platform and submits the pledged carbon digital assets;

[0021] The first blockchain platform verifies the pledge request of the carbon digital asset holding node. After passing the verification, it sends a pledge and transfer request to the second blockchain platform through the cross-chain communication protocol and provides the detailed information of the carbon digital assets. At the same time, it calculates the combined position of the carbon digital asset holding node's pledge positions on different blockchain platforms to obtain the combined position;

[0022] The second blockchain platform verifies the legality of the carbon digital assets and determines the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform according to the multi-platform pledge quota sharing mechanism.

[0023] Furthermore, the process of determining the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform according to the multi-platform pledge quota sharing mechanism includes the following:

[0024] Suppose the total set of blockchain platforms participating in cross-chain pledge financing is N = {A, B,...}, and the marginal contribution of the carbon digital asset holding node on the second blockchain platform i is defined as v(S ∪ {i}) - v(S), where, Then the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform is:

[0025]

[0026] Among them, It represents the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform. S represents the cooperation portfolio, S∪{i} represents the set composed of the cooperation portfolio S and i, N\{i} represents the set obtained by removing the i-th node from the total set N, |S| represents the number of elements in the cooperation portfolio S, |N| represents the number of elements in the total set N, v(S) represents the contribution of the cooperation portfolio S, and [v(S∪{i}) - v(S)] represents the additional contribution after adding i to the cooperation portfolio S.

[0027] Furthermore, the process of cross-platform pledge financing based on the pledge quota ratio of carbon digital assets includes the following:

[0028] The carbon digital asset holding node applies for pledge financing to the second blockchain platform through the first blockchain platform;

[0029] The second blockchain platform predicts the current market value and volatility of the carbon digital asset, obtains the enterprise credit rating of the carbon digital asset holding node, and calculates the pledge rate and financing amount of the pledge financing;

[0030] The second blockchain platform sends the pledge rate and financing amount to the carbon digital asset holding node, and the carbon digital asset holding node conducts loan disbursement after confirmation.

[0031] Furthermore, the second blockchain platform predicts the volatility curve of the carbon digital asset based on the following formula:

[0032]

[0033] Among them, S t represents the carbon digital asset price, u represents the drift rate, V t represents the volatility of the carbon digital asset, κ represents the mean reversion speed, θ represents the long-term volatility mean, σ represents the volatility variance, dW 1t and dW 2t represent Brownian motion.

[0034] Furthermore, when the real-time value of the carbon digital asset drops by more than the preset value or abnormal market fluctuations are detected, the second blockchain platform requires the carbon digital asset holding node to add additional collateral. If the carbon digital asset holding node agrees to add additional collateral, the additional carbon digital assets will be locked in the pledge financing pool of the first blockchain platform, and equivalent carbon digital assets will be minted in the pledge financing pool of the second blockchain platform. If the carbon digital asset holding node does not agree to add additional collateral or defaults at maturity, the second blockchain platform will transfer the mortgaged carbon digital assets to the account of the financial institution node.

[0035] In addition, the present invention also provides a carbon digital asset cross-chain pledge financing system, including:

[0036] The carbon digital asset generation module is used to obtain carbon asset data and generate corresponding amounts of carbon digital assets on the blockchain. Among them, the carbon asset data includes carbon trading market data and Internet of Things sensing data related to carbon emission reduction;

[0037] The carbon digital asset transfer module is used to transfer carbon digital assets across platforms and confirm the pledge quota ratio of the carbon digital asset holding node on other blockchain platforms;

[0038] The cross-platform pledge financing module is used to conduct cross-platform pledge financing based on the pledge quota ratio of carbon digital assets;

[0039] The dynamic risk management module is used to dynamically evaluate the real-time value of carbon digital assets, monitor market abnormal fluctuations at the same time, and adopt corresponding dynamic risk management strategies according to the real-time value evaluation results of carbon digital assets and the monitoring results of market abnormal fluctuations;

[0040] The carbon digital asset unlocking module is used to unlock the carbon digital assets after the carbon digital asset holding node repays the principal and interest on time.

[0041] In addition, the present invention also provides an electronic device, including a processor and a memory. A computer program is stored in the memory, and the processor is used to execute the steps of the method described above by calling the computer program stored in the memory.

[0042] In addition, the present invention also provides a computer-readable storage medium for storing a computer program for cross-chain pledge financing of carbon digital assets. When the computer program runs on a computer, it executes the steps of the method described above.

[0043] The present invention has the following beneficial effects:

[0044] The cross-chain pledge financing method of carbon digital assets of the present invention generates carbon digital assets based on carbon trading market data and Internet of Things sensing data related to carbon emission reduction, which can accurately reflect the real value of carbon assets. Moreover, when transferring carbon digital assets across platforms, the pledge quota ratio of the carbon digital asset holding node on other blockchain platforms is confirmed, and the pledge quota is reasonably allocated according to the marginal contribution of each platform at the multi-platform pledge moment, further preventing the over-pledge and repeated use of carbon digital assets from the aspect of quota management. At the same time, the real-time value of carbon digital assets is dynamically evaluated and market abnormal fluctuations are monitored during the lending period, and corresponding dynamic risk management strategies are adopted according to the dynamic evaluation results and the monitoring results of market abnormal fluctuations, reducing the risks of financial institutions. In addition, the entire pledge financing process is automatically executed on the blockchain through smart contracts without manual intervention, realizing the automation and intelligent management of each link in the pledge financing process, and improving the stability and reliability of the entire system.

[0045] In addition, the cross-chain pledge financing system for carbon digital assets of the present invention also has the above advantages.

[0046] In addition to the purposes, features, and advantages described above, the present invention has other purposes, features, and advantages. The present invention will be further described in detail below with reference to the drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] The drawings forming a part of this application are used to provide a further understanding 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 to the present invention. In the drawings:

[0048] Figure 1 is a schematic flow chart of the method for cross-chain pledge financing of carbon digital assets according to a preferred embodiment of this application;

[0049] Figure 2 is Figure 1 a sub-flow schematic diagram of step S1 in

[0050] Figure 3 is Figure 1 a sub-flow schematic diagram of step S2 in

[0051] Figure 4 is Figure 1 a sub-flow schematic diagram of step S3 in

[0052] Figure 5 is a schematic diagram of the module structure of the cross-chain pledge financing system for carbon digital assets according to another embodiment of this application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0053] It should be noted that, without conflict, the embodiments in this application and the features in the embodiments can be combined with each other. The present application will be described in detail below with reference to the drawings and in combination with the embodiments.

[0054] Referring to Figure 1 , a preferred embodiment of the present application provides a method for cross-chain pledge financing of carbon digital assets, including the following:

[0055] Step S1: Obtain carbon asset data and generate corresponding amounts of carbon digital assets on the blockchain, where the carbon asset data includes carbon trading market data and Internet of Things sensing data related to carbon emission reduction;

[0056] Step S2: Transfer the carbon digital assets across platforms and confirm the pledge amount ratio of the carbon digital asset holding nodes on other blockchain platforms;

[0057] Step S3: Conduct cross-platform pledge financing based on the pledge amount ratio of the carbon digital assets;

[0058] Step S4: Dynamically evaluate the real-time value of carbon digital assets, monitor market abnormal fluctuations simultaneously, and adopt corresponding dynamic risk management strategies according to the real-time value evaluation results of carbon digital assets and the market abnormal fluctuation monitoring results;

[0059] Step S5: After the carbon digital asset holding node repays the principal and interest on time, release the pledge on the carbon digital assets.

[0060] It can be understood that the cross-chain pledge financing method of carbon digital assets in this embodiment generates carbon digital assets based on carbon trading market data and Internet of Things sensing data related to carbon emission reduction, which can accurately reflect the true value of carbon assets. Moreover, when the carbon digital assets are transferred across platforms, the pledge quota ratio of the carbon digital asset holding node on other blockchain platforms is confirmed, and the pledge quota is reasonably allocated according to the marginal contribution of each platform at the multi-platform pledge moment, further preventing the over-pledge and repeated use of carbon digital assets from the perspective of quota management. At the same time, the real-time value of carbon digital assets is dynamically evaluated during the lending period and market abnormal fluctuations are monitored, and corresponding dynamic risk management strategies are adopted according to the dynamic evaluation results and market abnormal fluctuation monitoring results, reducing the risks of financial institutions. In addition, the entire pledge financing process is automatically executed on the blockchain through smart contracts without manual intervention, realizing the automation and intelligent management of each link in the pledge financing process and improving the stability and reliability of the entire system.

[0061] Among them, as Figure 2 shown, in the step S1, the process of obtaining carbon asset data and generating corresponding amounts of carbon digital assets on the blockchain includes the following:

[0062] Step S11: The carbon digital asset holding node collects carbon trading market data and Internet of Things sensing data related to carbon emission reduction, and uploads them to the blockchain;

[0063] Step S12: The verification node verifies the authenticity of the collected data based on zero-knowledge proof;

[0064] Step S13: The carbon digital asset issuing node uses the trained TCN model to predict the carbon asset valuation based on the collected data, calculates the amount of carbon assets to be allocated according to the predicted carbon asset valuation and the pre-set conversion rule between carbon asset value and quantity, and converts it into carbon digital assets and allocates them to the account of the carbon digital asset holding node;

[0065] Step S14: After the carbon digital asset holding node confirms that it is correct, record the issuance information on the chain for storage.

[0066] Specifically, the carbon digital asset holding node collects IoT sensing data related to carbon emissions reduction through IoT devices. Meanwhile, it collects carbon trading market data from various financial data platforms and economic databases using data acquisition interfaces, covering historical trends of carbon trading market prices, macroeconomic indicators (such as GDP growth rate, interest rate changes), etc. These IoT sensing data and carbon trading market data are encrypted using an asymmetric encryption algorithm, such as the RSA algorithm, to ensure data security during transmission, and then sent to the verification node for verification. Among them, the carbon digital asset holding node is a key role in the carbon digital asset pledge financing system, representing enterprises, individuals, or institutions that hold carbon assets such as carbon quotas, carbon emission reduction credits (CCERs), and carbon credits.

[0067] Then, based on zero-knowledge proof technology, the verification node can verify the authenticity of the data without revealing the original data. The zero-knowledge proof production process is zk p roof = ZKP(CertifiedCarbonAsset, MerkleRoot). After verification, the "verification passed proof" is fed back to the carbon digital asset holding node. Additionally, to ensure the uniqueness and anti-tampering of carbon asset data, the verified carbon asset data is hashed using H Asset = SHA-256(CertifiedCarbonAsset) to generate a digital fingerprint. Meanwhile, the hash values of multiple carbon assets are organized into a Merkle tree to form a Merkle root, facilitating the efficient verification of the integrity of all carbon asset data. Among them, the verification node is a key role responsible for verifying the authenticity, legality, and compliance during the generation, trading, and pledging of carbon assets, usually served by a third-party auditing institution, a carbon market regulatory agency, or a trusted data service provider.

[0068] Next, after receiving the "verification passed proof", the carbon digital asset issuing node preprocesses the IoT sensing data. For example, it uses an outlier detection algorithm based on a sliding window to remove noise points from the data; adopts the Min-Max normalization method to uniformly map data with different dimensions to the [[0,1] interval. The carbon digital asset issuing node constructs a federated learning architecture. Each participating party (such as different carbon digital asset holding nodes) locally trains a TCN model using their preprocessed carbon asset data. After local training is completed, each participating party uploads the local model parameters to the central server, and the central server uses the FedAvg algorithm to aggregate the model parameters to obtain a global model. The carbon digital asset issuing node then uses the global model to predict the value of carbon assets based on the collected carbon asset data. Among them, the output of the TCN model is the valuation of carbon assets, which can be expressed as: S = TCN(X iot , X market ; ξ), where S represents the valuation of carbon assets, and X iotInternet of Things sensing data, X market It represents carbon trading market data, and ξ represents model parameters. Among them, the carbon digital asset issuance node is a key role responsible for creating, authenticating, and issuing carbon assets, usually served by carbon market regulatory agencies, government certification agencies, or carbon emission reduction project developers.

[0069] Based on the valuation results of the TCN model, the carbon digital asset issuance node calculates the quantity of carbon assets to be allocated to the carbon digital asset holding node by combining the pre-set conversion rules between the value and quantity of carbon assets, and converts the quantity of carbon assets into carbon digital assets and allocates them to the accounts of the carbon digital asset holding nodes. For example, the carbon digital asset issuance node generates a non-fungible token (NFT) for each ton of carbon assets, and its generation formula can be expressed as: NFTID = Hash(AssetID, Timestamp, MerkleRoot), which is calculated using a cryptographic hash function to ensure the uniqueness of the NFT. In addition, the carbon digital asset issuance node will also bind the basic information of the carbon assets, such as asset ID, generation time, and the holding node to which it belongs, to the metadata of the NFT in the form of key-value pairs, and deploy it to a hybrid standard blockchain that supports the interoperability of ERC-3525 and ERC-1155 through a smart contract to ensure the uniqueness and traceability of the assets. Among them, due to the creation of a hybrid standard that supports the interoperability of ERC-3525 and ERC-1155, a unified interaction framework is provided for carbon digital assets under different standards, further enhancing the compatibility and liquidity of carbon digital assets among multiple platforms. In addition, using non-fungible tokens as the unique and indivisible digital vouchers for carbon digital asset identification realizes the anti-counterfeiting and immutability of carbon digital assets.

[0070] Finally, after the carbon digital asset holding node receives the carbon digital assets and confirms that the information such as the quantity is correct, it records the issuance information on the chain, and the carbon digital asset holder can transfer, pledge, and trade the owned digital assets in the blockchain network.

[0071] It can be understood that the present invention adopts a joint valuation algorithm based on Internet of Things sensing data and carbon trading market data. Each participating party trains a temporal convolutional network (TCN) model locally using the pre-processed Internet of Things sensing data and carbon trading market data through a federated learning framework. The central server aggregates the parameters to obtain a global model. Using the global model, a more accurate and dynamic valuation of carbon assets can be achieved, and the legitimacy of the assets is verified through zero-knowledge proof (ZKP) to ensure the authenticity of the assets. A unique on-chain identity identifier for carbon assets is generated using the Merkle tree and hash algorithm. Under the premise of protecting privacy, it prevents carbon assets from being repeatedly pledged or misused.

[0072] In addition, such as Figure 3As shown, in the step S2, the process of cross-platform transfer of carbon digital assets and confirmation of the pledged quota ratio of the carbon digital asset holding node on other blockchain platforms includes the following:

[0073] Step S21: The carbon digital asset holding node initiates a pledge application on the first blockchain platform and submits the pledged carbon digital assets.

[0074] Step S22: The first blockchain platform verifies the pledge request of the carbon digital asset holding node. After passing the verification, it sends a pledge and transfer request to the second blockchain platform through the cross-chain communication protocol, provides the detailed information of the carbon digital assets, and simultaneously calculates the combined position of the carbon digital asset holding node's pledged positions on different blockchain platforms to obtain the combined position.

[0075] Step S23: The second blockchain platform verifies the legality of the carbon digital assets and determines the pledged quota ratio of the carbon digital asset holding node on the second blockchain platform according to the multi-platform pledged quota sharing mechanism.

[0076] Specifically, when the carbon digital asset holding node on the first blockchain platform A hopes to apply for pledged financing from a financial institution on the second blockchain platform B using its own carbon digital assets, first, the carbon digital asset holding node initiates a pledge application to the first blockchain platform A and submits the pledged carbon digital assets. This pledge application follows a hybrid standard that supports the interoperability of ERC-3525 and ERC-1155. The first blockchain platform A verifies the transfer request of the carbon digital asset holding node through a smart contract, including whether it has sufficient carbon digital assets, whether the carbon digital assets meet the requirements of the first blockchain platform A, and confirming that the transferred carbon digital assets have not been pledged or transferred on other platforms. The verification formula is: ValidTransfer A = Validate(EmissionReductionAmount ≤ UserBalance), where UserBalance is the balance of the carbon digital assets of the carbon digital asset holding node on the first blockchain platform A. If the verification passes, this carbon digital asset will enter the pledged financing pool of the first blockchain platform A, and the first blockchain platform A updates the asset status of this carbon digital asset on its blockchain to "pending transfer".

[0077] Then, the first blockchain platform A sends a pledge and transfer request to the second blockchain platform B through the cross-chain communication protocol, provides the detailed information of the carbon digital assets, and at the same time, uses the cross-chain pledged position combined calculation engine to calculate the combined position of the carbon digital asset holding node's pledged positions on different chains. For example, assume the pledged positions of this node on the first blockchain platform A and other chains are P A and P other, after homomorphic encryption calculation, the combined position is obtained: P total = HomomorphicAddition(P A , P other ).

[0078] After the second blockchain platform B receives a cross-chain request from the first blockchain platform A, it automatically verifies the legality of the carbon digital assets through a smart contract, including whether the carbon digital assets meet the standards of the second blockchain platform B, whether the platform of their origin is valid, whether the carbon digital asset holding node is a valid account, etc. If the verification passes, the second blockchain platform B updates the asset status to "received", and this carbon digital asset enters the pledge financing pool of the second blockchain platform B, generates a receipt for the received asset, and returns it to the first blockchain platform A. Moreover, a multi-platform pledge quota sharing mechanism is designed based on the Shapley value allocation algorithm to reallocate the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform. Specifically, assume that the total set of blockchain platforms participating in cross-chain pledge financing is N = {A, B,...}, and the marginal contribution of the carbon digital asset holding node on the second blockchain platform i is defined as v(S ∪ {i}) - v(S), where then the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform is:[[]]

[0079]

[0080] where represents the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform, S represents the cooperation combination, S ∪ {i} represents the set formed by the cooperation combination S and i, N\{i} represents the set obtained by removing the i-th node from the total set N, |S| represents the number of elements in the cooperation combination S, |N| represents the number of elements in the total set N, v(S) represents the contribution of the cooperation combination S, and [v(S ∪ {i}) - v(S)] represents the new added contribution after i is newly added to the cooperation combination S.[[]]

[0081] It can be understood that the present invention uses a cross-chain bridge (Cross-chain Bridge) and an inter-blockchain communication protocol (IBC) to realize the free circulation of carbon digital assets among multiple platforms, solves the problem of carbon digital assets being isolated on different chains, and moreover, develops a cross-chain pledge position merging calculation engine to perform safe and accurate merging calculation on the pledge positions of nodes on different chains during the cross-chain process, ensuring the integrity and consistency of the pledge information, improving the efficiency and security of cross-chain pledge. At the same time, the Shapley value-based allocation algorithm is used to confirm the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform, and the pledge quota is reasonably allocated according to the marginal contribution of each platform at the multi-platform pledge moment, further preventing the over-pledge and repeated use of carbon digital assets from the aspect of quota management.[[]]

[0082] In addition, as Figure 4 shown, in the step S3, the process of cross-platform pledge financing based on the pledge amount ratio of carbon digital assets includes the following:

[0083] Step S31: The carbon digital asset holding node applies for pledge financing to the second blockchain platform through the first blockchain platform;

[0084] Step S32: The second blockchain platform predicts the current market value and volatility of the carbon digital assets, obtains the enterprise credit rating of the carbon digital asset holding node, and calculates the pledge rate and financing amount for the pledge financing;

[0085] Step S33: The second blockchain platform sends the pledge rate and financing amount to the carbon digital asset holding node, and the carbon digital asset holding node conducts loan disbursement after confirmation.

[0086] Specifically, the carbon digital asset holding node applies for pledge financing to a financial institution on the second blockchain platform B through the first blockchain platform A. The financing information includes the financing amount, financing term, and relevant financing conditions, etc. After receiving the pledge financing application from the first blockchain platform A, the second blockchain platform B forwards the application information to the financial institution node on the second blockchain platform B. The financial institution node on the second blockchain platform B integrates a machine learning model to dynamically evaluate the value of the carbon digital assets, and uses big data analysis and historical data to evaluate the current market value of the carbon digital assets. For example, the prediction model can be expressed as: P(t) = f(X t , θ), where P(t) represents the predicted value of the carbon digital assets at time point t, X t is a feature, including historical carbon digital asset prices, market supply and demand conditions, macroeconomic data, etc., and θ represents the model parameters. Among them, the machine learning model can adopt existing neural network models for prediction, such as LSTM models, GRU models, CNN-LSTM models, etc. At the same time, the financial institution node also obtains external data such as traditional market carbon prices and enterprise credit conditions in real time based on the on-chain oracle Oracle, and combines the joint valuation algorithm and the real-time prediction results of the volatility of carbon digital assets to more accurately evaluate the value of carbon digital assets.

[0087] Among them, the financial institution node of the second blockchain platform predicts the volatility curve of carbon digital assets based on the following formula:

[0088]

[0089] Among them, S t represents the carbon digital asset price, u represents the drift rate, V tdenotes the volatility of carbon digital assets, κ denotes the mean reversion speed, θ denotes the long-term volatility mean, σ denotes the volatility variance, and dW 1t and dW 2t denote Brownian motion.

[0090] It can be understood that the present invention constructs a real-time prediction algorithm for the volatility of carbon digital assets by using an improved Heston model, considering more market factors such as changes in industry policies and market sentiment, and updating the model parameters through real-time data to predict the volatility surface of carbon digital assets, providing more comprehensive information for the value assessment of carbon digital assets.

[0091] Then, based on the enterprise credit rating of the carbon digital asset holding node, the real-time value prediction result of the carbon digital asset market, and the volatility prediction result of the carbon digital asset, the financial institution node dynamically adjusts the pledge rate and financing amount of the pledge financing through a designed smart contract for dynamic adjustment of the pledge rate (the trigger threshold includes off-chain oracle data). Specifically, assuming the pledge rate is λ, its calculation formula is λ = g(P(t), C, V t ), where C denotes the enterprise credit rating of the carbon digital asset holding node, and V t denotes the volatility of the carbon digital asset, and g() denotes a non-linear function. After calculating the pledge rate, the financing amount can be calculated.

[0092] Then, the second blockchain platform B sends the pledge conditions provided by the financial institution node, including the pledge rate, financing interest rate, financing amount, etc., to the first blockchain platform A through a cross-chain communication protocol. After receiving the pledge conditions, the first blockchain platform A forwards them to the carbon digital asset holding node for confirmation of the financing conditions. After the carbon digital asset holding node confirms the pledge conditions, the first blockchain platform A submits the "confirm financing" information to the second blockchain platform B, and the second blockchain platform B initiates subsequent pledge locking. After the financial institution reviews, it remits money to the carbon digital asset holding node through off-chain bank remittance or other means according to the approved financing amount. After receiving the loan, the carbon digital asset holding node records this transaction on the first blockchain platform A.

[0093] In addition, in step S4, during the lending period, the financial institution nodes in the second blockchain platform B obtain the real-time price fluctuations in the carbon trading market based on the on-chain oracle Oracle, and combine the joint valuation algorithm in step S1 and the real-time prediction algorithm for the volatility of carbon digital assets in step S3 to dynamically evaluate the real-time value of the pledged carbon digital assets. At the same time, a market abnormal fluctuation warning model based on the LSTM-GAN network monitors the market conditions. Among them, the LSTM network is used to learn the long-term dependence relationship of time series data, and the GAN network is used to generate simulated market abnormal fluctuation data to expand the training set. Suppose the input market data sequence is X = [x1, x2,..., x n , and the output of the LSTM layer is h t = LSTM(x t , h (t-1) ), where h t represents the hidden state at time step t. The generator G(z) of the GAN network takes the random noise z as the input to generate simulated data, and the discriminator D(x) judges whether the input data x is real data or generated data. When the model predicts an abnormal market fluctuation, a warning signal is issued.

[0094] When the real-time value of the carbon digital assets drops by more than a preset value (e.g., 30%) or an abnormal market fluctuation is detected, the real-time liquidation protection algorithm starts to intervene and sends a risk warning notice to the second blockchain platform B. According to the preset rules, this algorithm monitors and evaluates the pledged assets in real time to ensure timely liquidation in extreme cases and protect the interests of financial institutions. Optionally, when the real-time value of the carbon digital assets drops by more than a preset value (e.g., 30%) or an abnormal market fluctuation is detected, the financial institution nodes will also automatically adjust the pledge rate and financing amount based on real-time data to protect their own interests.

[0095] For example, the second blockchain platform B sends a supplementary pledge notice to the first blockchain platform A based on the cross-chain communication protocol through an on-chain smart contract, requiring the carbon digital asset holding nodes to supplement the pledged assets within three days. This notice takes into account the pledge quota ratio under the multi-platform pledge quota sharing mechanism, and the automatic supplementary margin smart contract (including non-linear trigger conditions) comes into effect. The trigger condition of this contract is not only based on a simple linear threshold, but includes non-linear conditions. For example, when the product of the decline rate of the carbon asset price and the volatility exceeds a certain threshold T = f(P drop , V t ), the contract is automatically triggered, where P drop is the decline rate of the carbon asset price, V t represents the volatility of the carbon digital assets, f() represents a non-linear function. When the trigger condition is met, the contract automatically calculates the amount of margin M = g(V current , Vinitial , λ), V current represents the current carbon asset value, V initial represents the initial carbon asset value, and λ represents the current pledge rate.

[0096] If the carbon digital asset holding node agrees to add collateral, the carbon digital asset holding node initiates a cross-chain application transfer of the additional collateral on the first blockchain platform A, then locks the additional carbon digital assets in the pledge financing pool of the first blockchain platform A. At the same time, the cross-chain pledge position merging calculation engine updates the merged pledge position of the carbon digital asset holding node. And after the cross-chain bridge detects the asset lock, it mints an equivalent amount of carbon digital assets in the pledge financing pool of the second blockchain platform B. The minting process is: Transfer Bridge (A carbon ) → Mint B (A carbon ). If the carbon digital asset holding node is unwilling to supplement the collateral or defaults at maturity, the smart contract automatically invokes the carbon digital asset transfer function to automatically transfer the carbon digital assets pledged on the second blockchain platform B to the financial institution's account address. At this time, the multi-level liquidation fusing mechanism (time-sharing and area-based liquidation strategy) is activated. Specifically, different liquidation rules and fusing thresholds are set according to different time intervals and market partitions. For example, in the peak trading period and areas with large market fluctuations, more stringent fusing thresholds are set. Assume the time intervals are T1, T2, …, T m , and the market partitions are Z1, Z2, …, Z n . For each combination of time interval and market partition (T i , Z j ), a fusing value C ij is set. When the value of the pledged assets is lower than this threshold, corresponding levels of liquidation operations are triggered.

[0097] In addition, after obtaining the carbon digital assets, the financial institution node can conduct public auctions or sales of the carbon digital assets on the second blockchain platform B to recover funds. Among them, the auction pricing formula is P auction (t) = P start × e (-kt) , where P start represents the starting price of the auction, k represents the price decline rate, and t represents the auction duration. The proceeds from the auction are used to repay the financial institution's loan interest first, and the remaining funds are transferred off-chain to the carbon digital asset holding node's account by bank remittance, and the transaction information is recorded on the chain.

[0098] It can be understood that the present invention combines a long short-term memory network (LSTM) and a generative adversarial network (GAN) to learn the long-term dependence relationship of time series data, and uses the GAN to generate simulated market abnormal volatility data to expand the training set, real-time monitor the market conditions, issue early warnings of abnormal volatility, and provide timely information support for risk management. Moreover, when the non-linear trigger conditions of the automatic margin call smart contract are met, such as the product of the decline rate and volatility of carbon asset prices exceeding a certain threshold, the contract automatically calculates and requires a margin call to ensure that the value of the pledged assets matches the financing amount and reduce the default risk. At the same time, a multi-level liquidation circuit breaker mechanism (time-sharing and zoning liquidation strategy) is also designed, and different liquidation rules and circuit breaker thresholds are set according to different time intervals and market partitions. When the value of the pledged assets is lower than the corresponding threshold, the corresponding level of liquidation operation is triggered to ensure the capital safety of financial institutions in extreme market conditions.

[0099] In addition, in step S5, if the carbon digital asset holding node repays the principal and interest on time, it remits funds to the financial institution on the second blockchain platform B off-chain and records the remittance information on the chain. After receiving the remittance, the financial institution updates the loan status on the chain to "repaid", automatically triggers the smart contract's unpledge logic, transfers the carbon digital assets pledged on the second blockchain platform B to the pledge financing pool in the first blockchain platform A through a cross-chain bridge, and the first blockchain platform A sends the carbon digital assets to the carbon digital asset holder's account address after receiving them.

[0100] In addition, as Figure 5 shown, another embodiment of the present invention also provides a carbon digital asset cross-chain pledge financing system, preferably adopting the carbon digital asset cross-chain pledge financing method as described above, including:

[0101] A carbon digital asset generation module, configured to obtain carbon asset data and generate a corresponding number of carbon digital assets on the blockchain, wherein the carbon asset data includes carbon trading market data and Internet of Things sensing data related to carbon emissions reduction;

[0102] A carbon digital asset transfer module, configured to transfer carbon digital assets across platforms and confirm the pledge quota ratio of the carbon digital asset holding node on other blockchain platforms;

[0103] A cross-platform pledge financing module, configured to perform cross-platform pledge financing based on the pledge quota ratio of carbon digital assets;

[0104] A dynamic risk management module, configured to dynamically evaluate the real-time value of carbon digital assets, monitor market abnormal fluctuations at the same time, and adopt corresponding dynamic risk management strategies according to the real-time value evaluation results of carbon digital assets and the market abnormal fluctuation monitoring results;

[0105] The carbon digital asset unlocking module is used to unlock the carbon digital asset after the carbon digital asset holding node repays the principal and interest on time.

[0106] It can be understood that the cross-chain pledge financing system for carbon digital assets in this embodiment generates carbon digital assets based on carbon trading market data and Internet of Things sensing data related to carbon emission reduction, which can accurately reflect the true value of carbon assets. Moreover, when the carbon digital assets are transferred across platforms, the pledge quota ratio of the carbon digital asset holding node on other blockchain platforms is confirmed, and the pledge quota is reasonably allocated according to the marginal contribution of each platform at the multi-platform pledge moment, further preventing the over-pledge and repeated use of carbon digital assets from the aspect of quota management. At the same time, the real-time value of carbon digital assets is dynamically evaluated during the lending period and the market abnormal fluctuations are monitored, and corresponding dynamic risk management strategies are adopted according to the dynamic evaluation results and the market abnormal fluctuation monitoring results, reducing the risks of financial institutions. In addition, the entire pledge financing process is automatically executed through smart contracts on the blockchain without manual intervention, realizing the automated and intelligent management of each link in the pledge financing process and improving the stability and reliability of the entire system.

[0107] In addition, another embodiment of the present invention further provides an electronic device, including a processor and a memory. A computer program is stored in the memory, and the processor is used to execute the steps of the method as described above by calling the computer program stored in the memory.

[0108] In addition, another embodiment of the present invention further provides a computer-readable storage medium for storing a computer program for cross-chain pledge financing of carbon digital assets. The computer program executes the steps of the method as described above when running on a computer.

[0109] The forms of common computer-readable storage media include: floppy disks, flexible disks, hard disks, magnetic tapes, any other magnetic media, CD-ROMs, any other optical media, punch cards, paper tapes, any other physical media with a pattern of holes, random access memories (RAMs), programmable read-only memories (PROMs), erasable programmable read-only memories (EPROMs), flash erasable programmable read-only memories (FLASH-EPROMs), any other memory chips or cartridges, or any other media readable by a computer. Instructions can further be transmitted or received by a transmission medium. The term transmission medium can include any tangible or intangible medium that can be used to store, encode, or carry instructions for execution by a machine, and includes digital or analog communication signals or the intangible medium that facilitates the communication of the above instructions. The transmission medium includes coaxial cables, copper wires, and optical fibers, which include the wires of a bus used to transmit a computer data signal.

[0110] Those skilled in the art will understand that the embodiments of the present application can be provided as a method, a system, or a computer program product. Therefore, the present application can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code. The solutions in the embodiments of the present application can be implemented in various computer languages. For example, object-oriented programming languages such as Java and interpreted scripting languages such as JavaScript.

[0111] The present application is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to the embodiments of the present application. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams can be implemented by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, special-purpose computers, embedded processors, or other programmable data processing devices to generate a machine, so that the instructions executed by the processors of the computer or other programmable data processing devices generate means for implementing the functions specified in Figure 1 one process or multiple processes and / or blocks Figure 1 one block or multiple blocks.

[0112] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to operate in a particular manner, such that the instructions stored in the computer-readable memory produce a manufacture including an instruction device that implements the functions specified in one or more of the procedures Figure 1 one or more procedures and / or blocks Figure 1 one or more blocks.

[0113] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, so that the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions specified in one or more of the procedures Figure 1 one or more procedures and / or blocks Figure 1 one or more blocks.

[0114] Although the preferred embodiments of the present application have been described, those skilled in the art can make additional changes and modifications once they learn the basic creative concepts. Therefore, the appended claims are intended to be construed to cover the preferred embodiments as well as all changes and modifications that fall within the scope of the present application.

[0115] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalent technologies, the present application is also intended to include these modifications and variations.

[0116] The above are only the preferred embodiments of the present invention and are not intended to limit the present invention. For those skilled in the art, the present invention can have various changes and variations. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A cross-chain pledge financing method for carbon digital assets, characterized in that, It includes the following: Obtain carbon asset data and generate corresponding amounts of carbon digital assets on the blockchain, where the carbon asset data includes carbon trading market data and Internet of Things sensing data related to carbon emission reduction; Transfer carbon digital assets across platforms and confirm the pledged amount ratio of the carbon digital asset holding nodes on other blockchain platforms; Conduct cross-platform pledged financing based on the pledged amount ratio of carbon digital assets; Dynamically evaluate the real-time value of carbon digital assets, and at the same time monitor market abnormal fluctuations, and adopt corresponding dynamic risk management strategies according to the real-time value evaluation results of carbon digital assets and the market abnormal fluctuation monitoring results; After the carbon digital asset holding node repays the principal and interest on time, release the pledge on the carbon digital assets.

2. The carbon digital asset cross-chain pledge financing method according to claim 1, wherein The process of obtaining carbon asset data and generating corresponding amounts of carbon digital assets on the blockchain includes the following: The carbon digital asset holding node collects carbon trading market data and Internet of Things sensing data related to carbon emission reduction and uploads them to the blockchain; The verification node verifies the authenticity of the collected data based on zero-knowledge proof; The carbon digital asset issuing node uses the trained TCN model to predict the carbon asset valuation based on the collected data, calculates the amount of carbon assets to be allocated according to the conversion rule between the predicted carbon asset valuation and the pre-set carbon asset value and quantity, and converts it into carbon digital assets and allocates them to the accounts of the carbon digital asset holding nodes; After the carbon digital asset holding node confirms that it is correct, record the issuing information on the chain for storage.

3. The carbon digital asset cross-chain pledge financing method according to claim 1, characterized in that, The process of transferring carbon digital assets across platforms and confirming the pledged amount ratio of the carbon digital asset holding nodes on other blockchain platforms includes the following: The carbon digital asset holding node initiates a pledge application on the first blockchain platform and submits the pledged carbon digital assets; The first blockchain platform verifies the pledge request of the carbon digital asset holding node. After verification, it sends a pledge and transfer request to the second blockchain platform through a cross-chain communication protocol, provides detailed information on the carbon digital assets, and calculates the combined position of the carbon digital asset holding node's pledged positions on different blockchain platforms to obtain the combined position; The second blockchain platform verifies the legality of the carbon digital assets and determines the pledged amount ratio of the carbon digital asset holding node on the second blockchain platform according to the multi-platform pledged amount sharing mechanism.

4. The carbon digital asset cross-chain pledge financing method according to claim 3, wherein, The process of determining the pledged amount ratio of the carbon digital asset holding node on the second blockchain platform according to the multi-platform pledged amount sharing mechanism includes the following: Suppose the total set of blockchain platforms participating in cross-chain pledge financing is N = {A, B,...}, and the marginal contribution of the carbon digital asset holding node in the second blockchain platform i is defined as v(S ∪ {i}) - v(S), where, Then the pledge quota ratio of the carbon digital asset holding node in the second blockchain platform is: Among them, represents the pledge quota ratio of the carbon digital asset holding node on the second blockchain platform, S represents the cooperation portfolio, S∪{i} represents the set formed by the cooperation portfolio S and i, N\{i} represents the set obtained by removing the ith node from the total set N, |S| represents the number of elements in the cooperation portfolio S, |N| represents the number of elements in the total set N, v(S) represents the contribution of the cooperation portfolio S, and [v(S∪{i}) - v(S)] represents the new added contribution after adding i to the cooperation portfolio S.

5. The carbon digital asset cross-chain pledge financing method according to claim 1, characterized in that, The process of conducting cross-platform pledged financing based on the pledged amount ratio of carbon digital assets includes the following: The carbon digital asset holding node applies for pledged financing from the second blockchain platform through the first blockchain platform; The second blockchain platform predicts the current market value and volatility of the carbon digital assets, obtains the enterprise credit rating of the carbon digital asset holding node, and calculates the pledge rate and financing amount for the pledged financing; The second blockchain platform sends the pledge rate and financing amount to the carbon digital asset holding node, and after the carbon digital asset holding node confirms, the loan is issued.

6. The carbon digital asset cross-chain pledge financing method according to claim 5, wherein, The second blockchain platform predicts the volatility curve of carbon digital assets based on the following formula: Among them, S t represents the price of carbon digital assets, u represents the drift rate, V t represents the volatility of carbon digital assets, κ represents the mean reversion speed, θ represents the long-term volatility mean, σ represents the volatility variance, dW 1t and dW 2t represent Brownian motion.

7. The carbon digital asset cross-chain pledge financing method according to claim 1, characterized in that When the real-time value of carbon digital assets drops by more than a preset value or abnormal market fluctuations are detected, the second blockchain platform requires the carbon digital asset holding node to add additional collateral. If the carbon digital asset holding node agrees to add additional collateral, the additional carbon digital assets will be locked in the pledge financing pool of the first blockchain platform, and equivalent carbon digital assets will be minted in the pledge financing pool of the second blockchain platform. If the carbon digital asset holding node does not agree to add additional collateral or defaults at maturity, the second blockchain platform will transfer the mortgaged carbon digital assets to the account of the financial institution node.

8. A cross-chain pledge financing system for carbon digital assets, characterized in that, It includes: A carbon digital asset generation module, which is used to obtain carbon asset data and generate corresponding amounts of carbon digital assets on the blockchain. Among them, the carbon asset data includes carbon trading market data and Internet of Things sensing data related to carbon emission reduction; A carbon digital asset transfer module, which is used to transfer carbon digital assets across platforms and confirm the pledge quota ratio of carbon digital asset holding nodes on other blockchain platforms; A cross-platform pledge financing module, which is used to conduct cross-platform pledge financing based on the pledge quota ratio of carbon digital assets; A dynamic risk management module, which is used to dynamically evaluate the real-time value of carbon digital assets and monitor abnormal market fluctuations at the same time, and adopt corresponding dynamic risk management strategies according to the evaluation results of the real-time value of carbon digital assets and the monitoring results of abnormal market fluctuations; A carbon digital asset release module, which is used to release the carbon digital assets after the carbon digital asset holding node repays the principal and interest on time.

9. An electronic device, characterized in that, It includes a processor and a memory. A computer program is stored in the memory. The processor is used to execute the steps of the method according to any one of claims 1 to 7 by calling the computer program stored in the memory.

10. A computer-readable storage medium for storing a computer program for cross-chain pledge financing of carbon digital assets, characterized in that, When the computer program runs on a computer, it executes the steps of the method according to any one of claims 1 to 7.

Images