Creditor right circulation and cooperation protocol automatic execution method and system based on block chain

Abstract

The invention discloses a blockchain-based creditor's right circulation and cooperation protocol automatic execution method and system. The method comprises the steps of creditor's right information cochain right confirmation, creditor's right circulation information monitoring, investment cooperation protocol intelligent contract creation, intelligent contract automatic execution, result feedback and recording and the like. According to the method, the creditor's right information is subjected to cochain right confirmation through a block chain technology, so that the authenticity, integrity and non-tampering property of the creditor's right information are ensured; the circulation process of the creditor's right is monitored in real time through the block chain network, so that the circulation process of the creditor's right is transparent and traceable; various terms in the investment cooperation agreement are automatically executed by using an intelligent contract technology, so that manual intervention is reduced, and the execution cost is reduced; the system automatically calculates and allocates creditor's right circulation service fees, and ensures that rights and interests of all parties are guaranteed fairly. According to the method, the technical problems of opaque information, high trust cost, low execution efficiency and the like in a traditional creditor right circulation process are solved, and technical support is provided for automatic execution of creditor right circulation and a cooperation protocol.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of financial operations, in particular to a method and system for automatic execution of a credit transfer and cooperation agreement based on a blockchain. BACKGROUND

[0002] Traditional credit transfer cooperation modes rely on centralized institutions for guarantee, fund transfer and income settlement, and have problems such as complicated process, non-transparent information and high trust cost. For example, the creditor needs to repeatedly negotiate with multiple parties in the aspects of fund entrustment, credit transfer and income distribution, and the transaction records are easy to be tampered with or omitted. The decentralized, tamper-proof and smart contract features of the blockchain technology provide a technical basis for solving these problems.

[0003] Especially for debts that are difficult to directly monetize and clear, innovative market-oriented investment mechanisms are introduced to increase the credit of the debts and promote the circulation of the debts while bringing benefits to investors; however, the execution of the investment cooperation agreement also needs stronger protection in this process.

[0004] In the prior art, the following technical problems exist in the process of credit transfer: 1. Difficulty in confirming the credit information: traditional credit confirmation relies on paper documents and centralized databases, which can easily cause inconsistent information and difficulty in verifying authenticity; 2. Difficulty in monitoring credit transfer: the process of credit transfer lacks real-time monitoring mechanisms, making it difficult to track the credit transfer path and ownership changes; 3. Difficulty in executing cooperation agreements: the execution of cooperation agreements between investors and debt holders relies on manual operations, which can easily result in untimely and inaccurate execution; 4. Complex calculation of income distribution: the calculation of income distribution resulting from credit transfer is complex and prone to errors in manual calculation, and lacks transparency; 5. Difficulty in evaluating the value of collateral: traditional methods of evaluating the value of collateral lack dynamism and cannot reflect the impact of market fluctuations on the value of collateral.

[0005] Therefore, the present application proposes a method and system for automatic execution of a credit transfer and cooperation agreement based on a blockchain to solve the above technical problems. SUMMARY

[0006] The method and system for automatic execution of a credit transfer and cooperation agreement based on a blockchain proposed by the present application can at least solve one of the technical problems in the background art.

[0007] To achieve the above-mentioned purposes, the present application adopts the following technical solutions: The method for automatic execution of a credit transfer and cooperation agreement based on a blockchain is executed by a computer device and includes the following steps: S100, credit information is uploaded to the chain for confirmation; S200, monitor the flow of the right information after the right confirmation; S300, after the right information monitoring is finished, an investment cooperation agreement smart contract is created; S400, the investment cooperation agreement smart contract is automatically executed; S500, the result of the investment cooperation agreement smart contract is fed back and recorded.

[0008] Further, the detailed process of the right information chain confirmation in step S100 of the present application comprises: S110, obtaining right certificate information The right certificate information comprises right amount, creditor, debtor, right period, right type information; S120, the right certificate information is digitally signed; S130, the digitally signed right information is uploaded to the blockchain network; Wherein, the digital signature step comprises: First, standardize and serialize the original information: The right certificate information is converted into a standardized data structure; The fields are sorted in lexicographical order: creation time, right ID, right amount, creditor, debtor, right type, right period, certificate status; The numerical type is unified in format: the amount is converted into an integer in "fen" unit; The time format is standardized: ISO 8601 format; The standardized right information is calculated by hash value: The standardized data is calculated by SHA-256 hash algorithm; The standardized data is serialized into JSON string, and the SHA-256 hash value is calculated: H=SHA-256 The calculation process: the input data length: L=248 bytes The number of hash calculation iterations: N=64 rounds Output hash value: H="4f7a9b3c8d2e1f6a5b4c9d0e7f8a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9a".

[0009] Further, the process of the right information flow monitoring in step S200 of the present application comprises: S210, monitor the right flow transaction in the blockchain network; S220, when the right flow transaction is detected, the transaction details are obtained, including transaction parties, transaction amount, transaction time and other information; S230. Record the debt transfer information on the blockchain to ensure the immutability of the information; S240. Update the creditor information and record the latest creditor; S250. Calculate and record the revenue sharing information for debt transfer service fees; Service fee sharing information includes the service fee amount, sharing ratio, and sharing recipients; The service fee calculation logic is as follows: ServiceFee = DebtAmount × BaseRate ÷ 10000 BaseRate is expressed as a percentage in ten thousand, with 1% corresponding to 100. Hierarchical allocation model: Initial allocation: Investor allocation = 0 Creditor allocation = Service Fee Distribution of excess profits from subsequent circulation: Let the base return be B, the actual return be R, and the excess return coefficient be η. Excess return = max(0, R - B) Excess allocation to investors = Excess return × η Creditor over-distribution = Over-profit × (1 - η).

[0010] Furthermore, the detailed process of creating the smart contract for the investment cooperation agreement in step S300 of this invention includes: S310. Obtain the contents of the cooperation agreement between the investor and the bondholder; The cooperation agreement includes the investment amount, investment period, and profit distribution method; S320. Based on the cooperation agreement, create a smart contract, define the triggering conditions and execution actions; When creating a smart contract, the system uses a geometric Brownian motion model to dynamically evaluate the fluctuation of debt value. The geometric Brownian motion model is as follows: $V_{guarantee}=A_{locked}\times \langle 1+\sum_{k=1}^{n}\gamma_k\cdot \delta_k\rangle$ Where $A_{locked}$ represents the amount of locked debt; $\gamma_k$ represents the credit coefficient for the k-th transfer; and $\delta_k$ represents the market volatility correction factor. S330. Deploy the smart contract to the blockchain network and generate a contract address; S340. Associate the contract address with relevant parties to facilitate subsequent inquiries and operations.

[0011] Furthermore, the automatic execution of the smart contract for the investment cooperation agreement in step S400 of the present invention includes: Transfer of investment funds: In accordance with the cooperation agreement, investment funds will be automatically transferred from the investor's account to the designated account; Setting up and releasing debt guarantees: Debt guarantees are automatically set up or released according to the cooperation agreement; Calculation and distribution of profits: Profits are automatically calculated and distributed based on the transfer of debt and the terms of the cooperation agreement; Debt transfer upon agreement expiration: As stipulated in the cooperation agreement, the debt transfer operation will be automatically executed upon the expiration of the agreement, including monitoring events and conditions related to the smart contract. When preset conditions are met, the smart contract will be automatically triggered to execute the corresponding operation.

[0012] Furthermore, the process of feedback and recording of results by the smart contract of the investment cooperation agreement in step S500 of the present invention includes: S510: Record the execution result of the smart contract to the blockchain; S520. Send execution result notification to relevant parties; S530. Update the status of claims and holder information based on the execution results to ensure timely updates and accuracy of information.

[0013] This includes recording the execution results of smart contracts on the blockchain, sending execution result notifications to relevant parties, and updating the status of claims and holder information.

[0014] On the other hand, an automated system for debt transfer and cooperation agreements based on blockchain includes: a debt information uploading module, a debt transfer monitoring module, a smart contract creation module, a smart contract execution module, and a result feedback module; The debt information on-chain module obtains debt certificate information, digitally signs it, uploads it to the blockchain network, completes the debt confirmation, and transmits the data to the debt transfer monitoring module. The debt transfer monitoring module monitors debt transfer transactions after confirmation of rights in the blockchain network, records transfer information, and calculates service fee sharing, providing a data foundation for the smart contract creation module to build cooperation agreements; The smart contract creation module creates and deploys smart contracts based on the cooperation agreement between investors and bondholders. The smart contract execution module monitors trigger conditions and automatically executes the smart contracts created by the smart contract creation module when the conditions are met. The results feedback module records the execution results of the smart contract execution module, sends notifications, and updates relevant information.

[0015] In summary, using blockchain technology to confirm debt information on the chain ensures the authenticity, integrity, and immutability of the debt information; real-time monitoring of the debt transfer process through the blockchain network makes the debt transfer process transparent and traceable; the use of smart contract technology to automatically execute various terms in the investment cooperation agreement reduces human intervention and lowers execution costs; and the system automatically calculates and distributes debt transfer service fees, ensuring that the rights and interests of all parties are fairly protected. Attached Figure Description

[0016] Figure 1 This is a flowchart of a blockchain-based method for automating the execution of debt transfer and cooperation agreements, provided in an embodiment of the present invention. Figure 2 This is a detailed flowchart of the process for confirming the on-chain rights of debt information provided in an embodiment of the present invention; Figure 3 This is a detailed flowchart of the debt transfer information monitoring provided in the embodiments of the present invention; Figure 4 This is a detailed flowchart of the smart contract creation for the investment cooperation agreement provided in this embodiment of the invention; Figure 5 This is a detailed flowchart of the automatic execution of smart contracts provided in an embodiment of the present invention; Figure 6 This is a structural block diagram of the blockchain-based debt transfer and cooperation agreement automated execution system provided in this embodiment of the invention. Detailed Implementation

[0017] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are some embodiments of the present invention, but not all embodiments.

[0018] like Figure 1 As shown in the figure, the blockchain-based debt transfer and cooperation agreement automation execution method described in this embodiment executes the following steps through a computer device: S100, debt information is uploaded to the blockchain for confirmation of rights; S200. Monitor the flow of creditor information after the confirmation of rights; S300: After the debt information monitoring is completed, a smart contract for the investment cooperation agreement is created. S400 enables the automatic execution of smart contracts for investment cooperation agreements; S500: Provides feedback and records results for the smart contract of the investment cooperation agreement. The following provides a detailed explanation of each step: S100, on-chain confirmation of creditor rights information like Figure 2As shown, the detailed process of confirming creditor claims by uploading information to the blockchain includes: S110. Obtaining information on debt instruments Information on debt instruments includes the amount of the debt, the creditor, the debtor, the term of the debt, and the type of debt. S120. Digitally sign the debt certificate information to ensure the authenticity and integrity of the information; S130. Upload the digitally signed debt information to the blockchain network; Digital signature steps: First, the original information is standardized and serialized; for example, for the original information of a debt certificate: Debt ID: ZQ2024001 Amount of debt: 600,000 yuan Creditor: Zhang (ID No.: 310101198001010011) Debtor: A state-owned enterprise (Unified Social Credit Code: 91110000100012345X) Debt term: 365 days Type of claim: Accounts receivable instruments Creation time: January 1, 2024 Voucher status: Valid Convert the above debt instrument information into a standardized data structure: Fields sorted alphabetically: Creation Time, Debt ID, Debt Amount, Creditor, Debtor, Debt Type, Debt Term, Document Status Unified format for numeric types: Amounts are converted to integers in cents (60,000,000). Time format standardization: ISO 8601 format ("2024-01-01T00:00:00Z") The standardized data is represented as: Standardized data = { Creation Time: "2024-01-01T00:00:00Z", "Debt ID": "ZQ2024001", "Amount of debt": 60,000,000 Creditor: "Zhang Mou-310101198001010011", Debtor: "A state-owned enterprise - 91110000100012345X", "Type of Claim": "Accounts Receivable Instruments" "Term of claim": 365 "Certificate Status": "Valid" } Step 2: Calculate the hash value of the standardized debt information. The SHA-256 hash algorithm is used to calculate the normalized data: Serialize standardized data into a JSON string. Calculate the SHA-256 hash value: H = SHA-256 (serialized data) Calculation process: Input data length: L = 248 bytes; Number of hash calculation iterations: N = 64 rounds; Output hash value: H="4f7a9b3c8d2e1f6a5b4c9d0e7f8a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9a" Step 3: Digital Signature Generation Use the creditor's private key to digitally sign the hash value: Signature Algorithm: RSA-PSS with SHA-256 Private key length: 2048 bits Signature process: Sig = RSA-Sign(H, SK_creditor) The complete data structure after digital signature generation: Digital signature processing result = { "Original Creditor Information": { "Debt ID": "ZQ2024001", "Amount of Debt": "600,000 yuan", Creditor: "Zhang Mou", Debtor: A state-owned enterprise "Term of Debt": 365 days "Type of Claim": "Accounts Receivable Instruments" }, "Digital signature metadata": { Signature algorithm: RSA-PSS-SHA256 "Hash value": "4f7a9b3c8d2e1f6a5b4c9d0e7f8a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9a", "Digital Signature": "a1b2c3d4e5f67890123456789abcdef0123456789abcdeffedcba9876543210fedcba98765432100123456789abcdef0123456789abcdef", Signature Time: 2024-01-15T10:30:25.123Z "Signer Certificate": "CN=Zhang Mou,OU=Individual,O=Debt System,C=CN" }, "Verification information": { "Public key fingerprint": "sha256:9f8e7d6c5b4a3f2e1d0c9b8a7f6e5d4c3b2a1f0e9d8c7b6a5f4e3d2c1b0a9f8", Signature validity: "Valid" } } S140. Blockchain network nodes verify the validity of debt information; The debt information includes signature verification, format verification, etc.

[0019] S150. After the validity verification of the debt information is passed, the debt information is written into the blockchain to complete the confirmation of the debt.

[0020] The process of confirming claims by putting them on the blockchain also includes the registration of collateral: First, the relevant information of the collateral (such as the amount of the claim, the term, the creditor, the debtor, the type of collateral, etc.) is standardized according to a preset format to ensure that the data structure is consistent; Secondly, the standardized collateral information is converted into a binary or JSON format string for hash calculation. Then, a cryptographic hash algorithm (such as SHA-256) is used to calculate the serialized data to generate a unique hash value of fixed length; Finally, the generated hash value is associated with the debt ID and written to the blockchain. The original collateral documents can be stored off-chain (such as IPFS), with only the hash value uploaded to the blockchain to ensure that the data is immutable and verifiable.

[0021] For example, regarding information about collateral for a debt: {"debtAmount":600000,"creditor":"A","debtor":"B","collateralType":"receivable"} A unique identifier is generated after hash calculation: d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0c1d2e3f4a5b6c7d8e9f0a1b2 The hash value is then associated with the debt ID and written into the blockchain to complete the registration of collateral.

[0022] S200. Monitor the flow of creditor information after confirmation of rights. like Figure 3 As shown, the process for monitoring the flow of debt information includes: S210, Monitor the transfer and transaction of claims in the blockchain network; S220. When a debt transfer transaction is detected, obtain the transaction details, including the parties involved, the transaction amount, the transaction time, and other information. S230. Record the debt transfer information on the blockchain to ensure the immutability of the information; S240. Update the creditor information and record the latest creditor; Debt information status update processing procedure: Step 1: Transaction Verification; Verify the validity of a digital signature: Verify(Sig_tx, PK_sender) = true, where Sig_tx is the transaction signature and PK_sender is the sender's public key. Step 2: State machine transition; Define the set of claim states: State ∈ {Inactive, In Transition, Frozen, Liquidated} State transition functions: δ(Current State, Transaction Type) → New State Step 3: Balance Update; Balance transfer formula: NewBalance_to = OldBalance_to + TransferAmountNewBalance_from =OldBalance_from - TransferAmount - Fee Blockchain data structure: Each block contains: Block header: parent hash, state root, transaction root, timestamp Transaction list: Sender, Receiver, Amount, Signature State tree: Account balance, contract code, stored data S250. Calculate and record the revenue sharing information for debt transfer service fees; Service fee sharing information includes the service fee amount, sharing ratio, and sharing recipients.

[0023] Smart contract service fee calculation logic: Service fee basic calculation formula: ServiceFee = DebtAmount × BaseRate ÷ 10000, where BaseRate is expressed as a percentage in ten thousand, with 1% corresponding to 100. Hierarchical allocation model: Initial allocation: Investor allocation = 0; Creditor allocation = Service Fee Subsequent distribution of excess profits: Let the basic profit be B, the actual profit be R, and the excess profit coefficient be η. Excess profit = max(0, R - B) Excess allocation to investors = Excess return × η Excess distribution to creditors = Excess profit × (1 - η) Complete allocation formula: TotalInvestorShare = InvestorBaseShare + Excess Return × η TotalCreditorShare = CreditorBaseShare + Excess Return × (1 - η) Of these, InvestorBaseShare represents the fixed return for investors as stipulated in the basic agreement, while CreditorBaseShare represents the fixed return for creditors. Balance verification constraints: Total Distribution Verification: TotalDistribution = TotalInvestorShare + TotalCreditorShare ≤ ServiceFee Balance Adequacy Verification: ContractBalance ≥ TotalDistribution S300: After the debt information monitoring is completed, a smart contract for the investment cooperation agreement is created. like Figure 4 As shown, the detailed process of creating a smart contract for an investment cooperation agreement includes: S310. Obtain the contents of the cooperation agreement between the investor and the bondholder; The cooperation agreement includes details such as the investment amount, investment period, and profit distribution method.

[0024] S320. Based on the cooperation agreement, create a smart contract, define the triggering conditions and execution actions; When creating a smart contract, the system uses a geometric Brownian motion model to dynamically evaluate the fluctuation of debt value. The geometric Brownian motion model is as follows: $V_{guarantee}=A_{locked}\times \langle 1+\sum_{k=1}^{n}\gamma_k\cdot \delta_k\rangle$ Where $A_{locked}$ is the amount of locked debt; $\gamma_k$ is the credit coefficient for the kth transfer (derived from historical performance data); and $\delta_k$ is the market volatility correction factor (obtained in real time from the oracle's industry index).

[0025] If market risk increases after a certain transaction (e.g., the industry prosperity index drops by 10%), $\delta_k$ will be automatically adjusted to 0.9, and the collateral value $V_{collateral}$ will be adjusted downward accordingly.

[0026] S330. Deploy the smart contract to the blockchain network and generate a contract address; S340. Associate the contract address with relevant parties to facilitate subsequent inquiries and operations.

[0027] S400 enables the automatic execution of smart contracts for investment cooperation agreements. like Figure 5 As shown, the detailed process of automatic execution of smart contracts includes: S410: Monitor events and conditions related to smart contracts, such as time conditions and transaction conditions; S420. When preset conditions are met, the smart contract is automatically triggered to execute the corresponding operation. S430: Record the execution process and results to ensure traceability and transparency.

[0028] The operations that smart contracts execute automatically include: Transfer of investment funds: In accordance with the cooperation agreement, investment funds will be automatically transferred from the investor's account to the designated account; Setting up and releasing debt guarantees: Debt guarantees are automatically set up or released according to the cooperation agreement; Calculation and distribution of profits: Profits are automatically calculated and distributed based on the transfer of debt and the terms of the cooperation agreement; Debt transfer upon agreement expiration: As stipulated in the cooperation agreement, the debt transfer operation will be automatically executed upon the expiration of the agreement.

[0029] This includes monitoring events and conditions related to smart contracts, and automatically triggering smart contracts to perform corresponding operations when preset conditions are met; In the process of debt transfer, returns are calculated in stages, with returns tiered: $R_i=\begin{cases} B\cdot r_1,&First Flow\\ B\cdot r_1+(R_{i-1}-B\cdot r_1)\cdot \eta,&subsequent flow \end{cases}$ Where $B$ is the amount of debt (e.g., 600,000 yuan); $r_1$ is the basic profit-sharing ratio (e.g., $r_1=1%$); and $eta$ is the excess return coefficient (dynamically adjusted according to market liquidity, e.g., 50%).

[0030] During the initial circulation, the smart contract allocates the basic profit of $R_1=B×r_1=60×1%=0.6$ yuan to investors; in subsequent circulations, the excess profit is distributed to investors in the form of $eta$.

[0031] S500 provides feedback and records the results of smart contracts for investment cooperation agreements; The detailed process for results feedback and recording includes: S510. Record the execution results of the smart contract on the blockchain, including information such as execution time, execution content, and execution result; S520. Send execution result notifications to relevant parties, including investors, creditors, etc. S530. Update the status of claims and holder information based on the execution results to ensure timely updates and accuracy of information.

[0032] This includes recording the execution results of smart contracts on the blockchain, sending execution result notifications to relevant parties, and updating the status of claims and holder information.

[0033] After the cooperation period expires, the smart contract automatically calls an external oracle to obtain bank regulatory account data and distributes it to the accounts of investors and creditors according to a preset ratio. If the creditor needs to make up the shortfall, the contract will automatically freeze its collateral assets until the shortfall is made up. The profit distribution formula is as follows: $Actual Distributed Profits = \begin{cases} Basic return + excess return × profit sharing ratio, & if actual return ≥ basic return Actual profit - difference compensation, & if actual profit < basic profit \end{cases}$ This embodiment also provides a blockchain-based automated execution system for debt transfer and cooperation agreements, such as... Figure 6 As shown, it includes: The debt information on-chain module obtains debt certificate information, digitally signs it, uploads it to the blockchain network, completes the debt confirmation, and transmits the data to the debt transfer monitoring module. The debt transfer monitoring module monitors debt transfer transactions after confirmation of rights in the blockchain network, records transfer information, and calculates service fee sharing, providing a data foundation for the smart contract creation module to build cooperation agreements; The smart contract creation module creates and deploys smart contracts based on the cooperation agreement between investors and bondholders. The smart contract execution module monitors trigger conditions and automatically executes the smart contracts created by the smart contract creation module when the conditions are met. The results feedback module records the execution results of the smart contract execution module, sends notifications, and updates relevant information.

[0034] The system in this embodiment adopts a consortium blockchain architecture, supports multi-node consensus (such as the PBFT algorithm), and ensures efficient transaction confirmation (average block generation time < 1 second) and data consistency. Node types include: 1. Consensus Nodes: Composed of financial institutions, regulatory agencies, and core enterprises, responsible for transaction verification and block generation; 2. Audit Node: An independent third-party organization is responsible for auditing on-chain data and conducting compliance checks.

[0035] The smart contract module includes the following sub-contracts, supporting dynamic condition triggering and multi-role permission management: 1. Cooperation Agreement Management Contract: Defines terms such as funding amount, profit sharing ratio, and cooperation period, and supports dynamic modification (requires multi-party signature authorization); 2. Funds Supervision Contract: Connects to a bank supervision account to enable fund locking, transfer, and abnormal freezing functions; 3. Debt Status Tracking Contract: Updates the debt status in real time (such as "not yet transferred", "paid off", "liquidated") and triggers related operations (such as profit distribution).

[0036] The user interface module provides web and mobile interfaces and integrates the following functions: 1. Digital Identity Authentication: Supports dual verification using biometrics (fingerprint, face) and digital certificates; 2. Data visualization dashboard: Displays key information such as debt transfer path, fund status, and collateral valuation, and supports timeline backtracking and multi-dimensional filtering; 3. Operation Log Query: Records all on-chain operations (such as contract signing and debt transfer), and supports export and auditing.

[0037] Cross-chain gateways support data interoperability with banking systems, enterprise ERP systems, and external blockchain networks (such as Hyperledger), enabling multi-chain collaboration and cross-chain asset transfer.

[0038] The following case study illustrates a blockchain-based method and system for automating the execution of debt transfer and cooperation agreements, which improves the efficiency of debt transfer by introducing market-based investment methods and blockchain smart contract technology.

[0039] To expedite debt resolution and asset revitalization, a state-owned enterprise (SOE) agreed with its creditors to resolve its debts through a receivables certificate (contract) transfer service center (hereinafter referred to as the Service Center). These certificates are valid indefinitely and can be used to purchase assets from the SOE's designated asset pool at an equivalent value, or for consumption or exchange at partner merchants. They cannot be redeemed for cash and do not accrue interest. However, the holder can, based on actual needs, entrust the Service Center to increase liquidity and convert the certificate into a cashable receivable certificate, making it more acceptable and usable. The holder (the entrusting party) will receive a 1% service fee on each subsequent transfer of the corresponding receivable certificate and can recover the entrusted liquidation funds or the corresponding amount of receivable certificates based on the actual transfer situation.

[0040] Mr. Zhang, a hotel merchant cooperating with the service center, holds accounts receivable vouchers totaling 1 million yuan. He now hopes to use 600,000 yuan of these vouchers to repay his renovation costs. After negotiation, the renovation company agreed to accept the 600,000 yuan vouchers, which could be redeemed at 95% of their value after one year. To facilitate this, Mr. Zhang invited Mr. Li, who had idle funds, to cooperate. Mr. Li agreed to invest 570,000 yuan in Mr. Zhang. Mr. Zhang then signed a relevant agreement with the service center and deposited the funds into a bank supervision account designated by the service center. The service center stamped the 600,000 yuan vouchers, promising that it would accept the holder's application for redemption at 95% of the value on the 5th, 15th, and 25th of each month after one year. If the agreed conditions were met, the service center would realize the funds at 95% of the debt amount within 5 working days. The bank also stamped its seal to confirm that the funds were under supervision. To reassure Li, Zhang transferred another 400,000 yuan in debt certificates, 600,000 yuan in debt certificates that the service center would collect or return in cash after one year, and the right to share the transfer service fee to Li as collateral. The two parties agreed that Zhang would return 570,000 yuan of the investment to Li after one year. As for the share of the transfer service fee of the 600,000 yuan in redeemable debt certificates, Li would be guaranteed 36,000 yuan first, and Zhang would make up the difference if it was not enough. Any excess would be split equally between the two parties.

[0041] First, Zhang locked up a debt of 400,000 yuan as collateral, and the smart contract used a formula to calculate the value of the collateral: $V_{guarantee}=40 \cdot (1+0.05 \cdot 0.9)=418,000 yuan$ Generate a unique identifier CID-001 and write it into the blockchain.

[0042] Secondly, the capital injection and terms were bound together: Investor Li invested 570,000 yuan into the supervision account, and the contract added a clause to the 600,000 yuan debt claim that "it can be redeemed at 95% after 1 year", and generated a transferable electronic certificate.

[0043] Secondly, Zhang transferred the 600,000 yuan debt to the decoration company. The contract records the first transfer and the distribution of basic income: $R_1=60 × 1%=0.6 million yuan$.

[0044] Upon the expiration of the agreement, the proceeds will be settled and the difference will be dealt with: Scenario 1 (Debt-for-Assets Exchange): If the renovation company acquires the assets, the contract will be cancelled and the collateral will be unbound. 570,000 yuan will be refunded to Li's account, with Zhang making up the difference. $\Delta = \max(3.6 - 0.6, 0) = 3.0 million yuan$ Scenario 2 (Debt matured but not yet transferred): The collateral of 400,000 yuan was automatically transferred to Li's account. Zhang is required to repay 570,000 yuan and make up the difference. $\Delta=\max(3.6-0.6 \times 2,0)=2.4 million yuan$.

[0045] In summary, the present invention has the following advantages: 1. Full-chain business process automation: Every step from guarantee registration to revenue settlement is executed automatically through smart contracts, eliminating the risk of human operation; 2. Enhance trust and transparency: All transaction records and contract terms are publicly available and verifiable, and encryption technology ensures that the data is tamper-proof, eliminating the risk of human manipulation (such as misappropriation of funds or alteration of terms), and enhancing trust among all parties by making all transaction records and contract terms publicly available and verifiable. 3. Reduced operating costs: Automated processes reduce manual intervention, improving the efficiency of fund transfers and receivables transfers by more than 80%; 4. Cross-chain collaboration and data integrity: Utilizing a combination of off-chain storage (IPFS) and on-chain hash verification, it supports data interoperability with banking systems and external blockchains. It ensures verifiability while protecting privacy for sensitive information (such as collateral valuation reports). 5. Flexible scalability: Supports high-frequency trading through sidechains or Layer 2 solutions, adapting to large-scale commercial scenarios.

[0046] In another aspect, the present invention also discloses a computer-readable storage medium storing a computer program, which, when executed by a processor, causes the processor to perform the steps of the method described above.

[0047] In another aspect, the present invention also discloses a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor performs the steps of the method described above.

[0048] In another embodiment provided in this application, a computer program product containing instructions is also provided, which, when run on a computer, causes the computer to execute any of the blockchain-based debt transfer and cooperation agreement automated execution methods described in the above embodiments.

[0049] It is understood that the systems, devices, and storage media provided in the embodiments of the present invention correspond to the methods provided in the embodiments of the present invention, and the explanations, examples, and beneficial effects of the relevant content can be referred to the corresponding parts of the above methods.

[0050] In the above embodiments, implementation can be achieved entirely or partially through software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented entirely or partially as a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of this application are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that integrates one or more available media. The available medium can be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid state disk (SSD)).

[0051] It should be noted that, in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0052] The various embodiments in this specification are described in a related manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0053] The above embodiments are only used to illustrate the technical solutions of the present invention, and are not intended to limit it. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A blockchain-based method for automating the transfer of debt and the execution of cooperation agreements, characterized in that: Perform the following steps using a computer device: S100, debt information is uploaded to the blockchain for confirmation of rights; S200. Monitor the flow of creditor information after the confirmation of rights; S300: After the debt information monitoring is completed, a smart contract for the investment cooperation agreement is created. S400 enables the automatic execution of smart contracts for investment cooperation agreements; S500 provides feedback and records the results of the smart contract for the investment cooperation agreement.

2. The method for automated execution of debt transfer and cooperation agreements based on blockchain according to claim 1, characterized in that, The detailed process of uploading and confirming the creditor's rights information on the blockchain in step S100 includes: S110. Obtaining information on debt instruments Information on debt instruments includes the amount of the debt, the creditor, the debtor, the term of the debt, and the type of debt. S120. Digitally sign the debt certificate information; S130. Upload the digitally signed debt information to the blockchain network; The digital signature steps include: First, the original information is standardized and serialized: The information on debt instruments is converted into a standardized data structure; Fields are sorted alphabetically: Creation Time, Debt ID, Debt Amount, Creditor, Debtor, Debt Type, Debt Term, and Voucher Status; Unified format for numeric types: Amounts are converted to integers in cents. Time format standardization: ISO 8601 format; Calculate the hash value of the standardized debt information: The SHA-256 hash algorithm is used to calculate the normalized data; Serialize the standardized data into a JSON string and calculate the SHA-256 hash value: H = SHA-256 Calculation process: Input data length: L = 248 bytes Number of hash calculation iterations: N = 64 rounds Output hash value: H="4f7a9b3c8d2e1f6a5b4c9d0e7f8a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9a".

3. The method for automated execution of debt transfer and cooperation agreements based on blockchain according to claim 1, characterized in that, The process for monitoring the flow of debt information in step S200 includes: S210, Monitor the transfer and transaction of claims in the blockchain network; S220. When a debt transfer transaction is detected, obtain the transaction details, including the parties involved, the transaction amount, the transaction time, and other information. S230. Record the debt transfer information on the blockchain to ensure the immutability of the information; S240. Update the creditor information and record the latest creditor; S250. Calculate and record the revenue sharing information for debt transfer service fees; Service fee sharing information includes the service fee amount, sharing ratio, and sharing recipients; The service fee calculation logic is as follows: ServiceFee = DebtAmount × BaseRate ÷ 10000 BaseRate is expressed as a percentage in ten thousand, with 1% corresponding to 100. Hierarchical allocation model: Initial allocation: Investor allocation = 0 Creditor allocation = Service Fee Distribution of excess profits from subsequent circulation: Let the base return be B, the actual return be R, and the excess return coefficient be η. Excess return = max(0, R - B) Excess allocation to investors = Excess return × η Creditor over-distribution = Over-profit × (1 - η).

4. The method for automated execution of debt transfer and cooperation agreements based on blockchain according to claim 1, characterized in that, The detailed process of creating the smart contract for the investment cooperation agreement in step S300 includes: S310. Obtain the contents of the cooperation agreement between the investor and the bondholder; The cooperation agreement includes the investment amount, investment period, and profit distribution method; S320. Based on the cooperation agreement, create a smart contract, define the triggering conditions and execution actions; When creating a smart contract, the system uses a geometric Brownian motion model to dynamically evaluate the fluctuation of debt value. The geometric Brownian motion model is as follows: $V_{guarantee}=A_{locked}\times \langle 1+\sum_{k=1}^{n}\gamma_k\cdot \delta_k\rangle$ Where $A_{locked}$ represents the amount of locked debt; $\gamma_k$ represents the credit coefficient for the k-th transfer; and $\delta_k$ represents the market volatility correction factor. S330. Deploy the smart contract to the blockchain network and generate a contract address; S340. Associate the contract address with relevant parties to facilitate subsequent inquiries and operations.

5. The method for automated execution of debt transfer and cooperation agreements based on blockchain according to claim 1, characterized in that, The operations automatically executed by the smart contract of the investment cooperation agreement in step S400 include: Transfer of investment funds: In accordance with the cooperation agreement, investment funds will be automatically transferred from the investor's account to the designated account; Setting up and releasing debt guarantees: Debt guarantees are automatically set up or released according to the cooperation agreement; Calculation and distribution of profits: Profits are automatically calculated and distributed based on the transfer of debt and the terms of the cooperation agreement; Debt transfer upon agreement expiration: As stipulated in the cooperation agreement, the debt transfer operation will be automatically executed upon the expiration of the agreement, including monitoring events and conditions related to the smart contract. When preset conditions are met, the smart contract will be automatically triggered to execute the corresponding operation.

6. The method for automated execution of debt transfer and cooperation agreements based on blockchain according to claim 1, characterized in that, The process of feedback and recording of results in the smart contract of the investment cooperation agreement in step S500 includes: S510: Record the execution result of the smart contract to the blockchain; S520. Send execution result notification to relevant parties; S530. Update the status of claims and holder information based on the execution results to ensure timely updates and accuracy of information. This includes recording the execution results of smart contracts on the blockchain, sending execution result notifications to relevant parties, and updating the status of claims and holder information.

7. A blockchain-based automated system for debt transfer and cooperation agreements, used to execute the method of any one of claims 1-6, characterized in that, include: The module includes: a debt information on-chain module, a debt transfer monitoring module, a smart contract creation module, a smart contract execution module, and a result feedback module. The debt information on-chain module obtains debt certificate information, digitally signs it, uploads it to the blockchain network, completes the debt confirmation, and transmits the data to the debt transfer monitoring module. The debt transfer monitoring module monitors debt transfer transactions after confirmation of rights in the blockchain network, records transfer information, and calculates service fee sharing, providing a data foundation for the smart contract creation module to build cooperation agreements; The smart contract creation module creates and deploys smart contracts based on the cooperation agreement between investors and bondholders. The smart contract execution module monitors trigger conditions and automatically executes the smart contracts created by the smart contract creation module when the conditions are met. The results feedback module records the execution results of the smart contract execution module, sends notifications, and updates relevant information.

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