General investment income system and method based on microfactory monetization and asset net value guarantee insurance

Abstract

The invention belongs to the technical field of new energy micro-manufacturing factory general investment management, and particularly discloses a general investment income method and system based on micro-factory monetization and asset net value guarantee insurance. The system comprises a micro factory, a micro factory operation management mechanism, a general multi-element investment income management mechanism, a general multi-element investor, an insurance company, a deposit bank, a product and an energy storage user. The system also comprises a production and sales intelligent contract management system and a general multi-element investment income intelligent contract system based on the block chain technology. According to the invention, digital and monetization transformation is carried out on entity new energy assets, and a safe, transparent and common investment entrance is constructed for common investors through a built-in financial engineering model and an intelligent contract, so that socialized sharing of dual-carbon economic bonus is truly realized, and the method is suitable for general investment management of new energy micro-manufacturing factories.

Description

TECHNICAL FIELD

[0001] The present application belongs to the technical field of new energy micro-factory popular investment management, and particularly relates to a popular investment income method and system based on micro-factory monetization and asset net value preservation insurance. BACKGROUND

[0002] The stability and development of society are essentially affected by the symmetry between resource input and output. In an ideal state, the input and output should have continuous symmetry in time and space dimensions, from which the constant of laborer's disposable resources conservation can be derived. In other words, regardless of the changes in time and space conditions, the laborer's input and disposable income should remain basically balanced, which is the basis for achieving social stability. However, when the symmetry between input and output is broken, the laborer's disposable resources lose conservation, and society will be forced to seek and establish a new symmetry, thus promoting the formation of a new conservation state, which is an important driving force for social development.

[0003] In the process of industrial society for more than a hundred years, a relatively adaptive system between labor posts and labor forces has been gradually formed, and capital has mainly served as a tool to improve the efficiency of adaptation in this process. At this stage, the input and output generally show symmetry characteristics. However, if too much emphasis is placed on the labor factor, the laborers will be placed in opposition to the owners of capital; conversely, if too much emphasis is placed on the role of capital, the capital side will be placed in opposition to the laborers. Both of these extreme cases will lead to an imbalance between input and output, and innovation is generated in this asymmetry, both destroying the old order and providing driving force for the construction of the new order.

[0004] With the advent of the era of artificial intelligence, the scale of resources available to traditional laborers has significantly decreased, and capital itself is also facing a strong impact of digital flow. The new era must establish a new input-output symmetry model, and thus derive new constant standards and forms of laborer's disposable resources. It is worth noting that the stock market, as a capital allocation mechanism anchoring the uncertainty of expectations, its operation logic of "big fish eating small fish" may strengthen the input-output symmetry of a certain level, but objectively exacerbate the polarization of the rich and the poor, making it difficult to achieve the social goal of common prosperity.

[0005] The traditional investment and operation mode requires large-scale capital support, and the investment return period is long. In the existing technical system, there is still a lack of a complete investment program that can effectively convert the assets of new energy product production factories into money and realize risk relief relying on insurance and repurchase mechanisms. In addition, ordinary investors are limited by professional thresholds and capital size, making it difficult for them to participate in such investments, and they cannot guarantee the safety of principal and the stability of income.

[0006] Therefore, there is an urgent need for an innovative method and system that can transform the assets of new energy product production factories into investment targets with inclusive characteristics, while ensuring that investment risks are close to zero through risk control mechanisms such as insurance and repurchase, thereby effectively increasing the disposable resources of laborers and providing a path to promote common prosperity. SUMMARY

[0007] The purpose of the present application is to provide a universal investment income system based on the monetization and asset value preservation insurance of micro factories, which connects micro factories, micro factory operation management agencies, universal multi-investment income management agencies, universal multi-investors, insurance companies, deposit banks, product and energy storage users through a production and sales smart contract management system and a universal multi-investment income smart contract system using blockchain technology, and realizes the long-term benefits of all participants with zero risk.

[0008] Another purpose of the present application is to provide a universal investment income method based on the monetization and asset value preservation insurance of micro factories, which can digitize and monetize solid new energy assets, and through built-in financial engineering models and smart contracts, build a safe, transparent, and inclusive investment portal for ordinary investors, thereby truly realizing the socialization of double-carbon economic dividends.

[0009] To achieve the above purposes, the technical solutions adopted by the present application are as follows: A universal investment income system based on the monetization and asset value preservation insurance of micro factories, comprising micro factories, micro factory operation management agencies, universal multi-investment income management agencies, universal multi-investors, insurance companies, deposit banks, product and energy storage users, and a production and sales smart contract management system and a universal multi-investment income smart contract system based on blockchain technology. Micro factory refers to a new energy battery micro production factory that can use new energy battery production process in-process products for process energy storage. Product and energy storage user refers to an end user who purchases new energy battery products produced by a micro factory or stores electricity. The micro factory operation management agency is the maintainer and user of the production and sales smart contract management system. The micro factory operation management agency, first, purchases micro factories and uses the production and sales smart contract management system to sell new energy battery products and stored electricity to product and energy storage users. Second, it enjoys the management rights and interests of the micro factory after it is invested by universal multi-investment, and deposits the recovered funds from the investment transfer into the deposit bank and then mortgages them to the insurance company. Third, it repurchases the net value of the micro factory from the universal multi-investor within a specified time through the universal multi-investment income smart contract system. The Puhua Multi-investment Yield Management Agency is a Puhua Multi-investment Yield Smart Contract System maintenance and user; the Puhua Multi-investment person, through the Puhua Multi-investment Yield Management Agency, uses the Puhua Multi-investment Yield Smart Contract System to purchase the ownership of the micro factory and obtain investment income; the Puhua Multi-investment Yield Management Agency insures the micro factory net asset value with the insurance company, and charges platform management fees through the Puhua Multi-investment Yield Smart Contract System.

[0010] As a limitation, the micro factory: adopts a large-scale integrated modular design, has a new energy battery production system, a work-in-process energy storage system, an auxiliary power system, a micro factory packaging platform, a production and sales smart contract management system, and can adjust the production rhythm and energy storage capacity according to the demand; The micro factory operation management agency: responsible for purchasing, operating and managing the micro factory, including production planning, production management, production execution, raw and auxiliary material procurement, battery product and energy storage capacity sales, micro factory maintenance, real-time monitoring of operation status and data through the production and sales smart contract management system, and signing sales contracts with product and energy storage users, automatic settlement of receipts and payments; The production and sales smart contract management system: based on the blockchain platform, the smart contract login program is developed to meet the value exchange between the nodes triggered by the smart contract conditions, and the smart contract covers the whole process of production planning, production management, production execution, raw and auxiliary material procurement, battery product and energy storage capacity sales, and micro factory maintenance, and the data cannot be tampered with; The product and energy storage user: at least includes a family, an individual, an enterprise institution or a power grid company, and the fee payment is automatically completed through the smart contract; The Puhua Multi-investment Yield Management Agency: responsible for auditing the micro factory assets, issuing digital rights, managing investment accounts and yield distribution, the Puhua Multi-investment Yield Smart Contract System is deployed on the blockchain, and handles investment transactions and yield calculation; The Puhua Multi-investment Yield Smart Contract System: supports the monetization of micro factory ownership, and the Puhua Multi-investment person purchases currency to represent partial ownership, and the income comes from the operating income of the micro factory, which is distributed in proportion; The insurance company: provides micro factory asset value protection insurance, and undertakes the asset value protection repurchase risk of the micro factory; the insurance contract is automatically triggered for claim settlement through the smart contract; The Puhua Multi-investment person: registers and invests through the platform, purchases micro factory currency, and obtains regular income; The deposit bank: provides fund custody and mortgage services for the micro factory operation management agency together with the platform, handles mortgage registration, and provides re-guarantee for the insurance company.

[0011] As a second limitation, the micro-factory as a core asset is an investment zero-risk anchor, and its value is realized through accelerated depreciation and energy storage electricity sales to achieve zero-risk anchoring; its entire production and sales process is controlled and managed by the micro-factory operation and management agency through the production and sales smart contract management system to ensure transparent and reliable transactions; the micro-factory does not participate in securitization.

[0012] As a third limitation, the universal multi-investment income smart contract system is used to process the division, transfer and income distribution of the ownership of the micro-factory, and to realize universal multi-investment, the information flow and cash flow of which are determined by relevant laws and regulations whether to participate in securitization.

[0013] As a further limitation, after the micro-factory is universally multi-invested, the micro-factory operation and management agency no longer owns the micro-factory, but still has the right to operate and manage the micro-factory and enjoys the right to operate and manage the micro-factory, while assuming the obligation to repurchase the net asset value of the micro-factory; and according to the need, it can choose whether to enjoy the securitization rights and interests of the cash flow and information flow of the universal multi-investment income management agency; The deposit bank receives the deposits of the micro-factory operation and management agency and provides mortgage services.

[0014] As a fourth limitation, the universal multi-investor cannot transfer the net asset value of the micro-factory to a third party other than the micro-factory operation and management agency, but can choose whether to transfer or inherit to direct relatives; the net asset value of the micro-factory remains for 15 years, and then automatically reverts to the micro-factory operation and management agency for disposal.

[0015] As a fifth limitation, the platform management fee at least covers the micro-factory net asset value transfer management fee, the raw material procurement, new energy battery product and energy storage electricity sale fund flow management fee; The universal multi-investment income management agency can choose whether to be listed and operated through digital asset securitization.

[0016] A universal investment income method based on micro-factory monetization and net asset value preservation insurance, which is realized by using the above-mentioned universal investment income system based on micro-factory monetization and net asset value preservation insurance, the method comprising the following steps, S1. The micro-factory operation and management agency purchases the micro-factory, and uses the trigger clause of the production and sales smart contract management system to sell new energy battery products and stored energy to product and energy storage users to obtain operating income; S2. The universal multi-investment income management agency monetizes the micro-factory through the universal multi-investment income smart contract system, i.e. divides the micro-factory's book assets into tradable digital rights; S3. The universal multi-investment income management agency insures the net asset value of the micro-factory with the insurance company, and the micro-factory operation and management agency promises to repurchase at regular intervals; S4. Puhua diversified investors purchase ownership of micro-factories through the Puhua diversified investment return smart contract system and obtain investment returns based on the production and operation of the micro-factories; S5. After the micro-factory is invested in by Puhua Diversified Investment, the micro-factory operation and management organization continues to enjoy the operation and management rights, deposits the recovered funds obtained from the investment transfer into a deposit bank, and then mortgages the deposit to an insurance company as collateral for repurchasing the net book value of the micro-factory's assets. S6. The micro-factory operation and management organization will repurchase the net book value of the micro-factory from the Puhua diversified investors within a specified time through the Puhua diversified investment return smart contract system. During this process, the Puhua diversified investors may choose to continue to hold the net book value of the micro-factory or have their immediate family members inherit it, but it may not be transferred to a third party other than the micro-factory operation and management organization. S7. Puhua Diversified Investment Income Management Institution collects platform management fees through the Puhua Diversified Investment Income Smart Contract System, which shall at least cover the management fees for the transfer of net asset value of micro-factory assets; and the management fees for the cash flow of raw and auxiliary material procurement, new energy battery products and energy storage power sales. During this process, Puhua Diversified Investment Income Management Institution may choose whether to list and operate through digital asset securitization.

[0017] As a limitation, steps S1 to S7 comprise the following seven stages: P1. Initialization Phase: The micro-factory operation and management organization purchases a micro-factory and registers the various production systems of the micro-factory in the production and sales smart contract system to collect production and operation data, as well as assets and sales channels; P2. Monetization Stage: Puhua Diversified Investment Income Management Institution calculates the net asset value of the micro-factory through the Puhua Diversified Investment Income Smart Contract System, and issues digital equity tokens representing ownership of the micro-factory net asset value through the Puhua Diversified Investment Income Smart Contract System. The value of the micro-factory net asset value token is equal to the initial value minus the return, and the token value is ≥ 0. P3. Insurance Phase: Puhua Diversified Investment Income Management Institution purchases micro-factory book asset net value preservation insurance from the insurance company through the Puhua Diversified Investment Income Smart Contract System. The insurance amount is based on the value of the micro-factory book asset net value tokens. The micro-factory operation and management institution promises to repurchase the micro-factory book asset net value tokens within the agreed time t. P4. Investment Stage: Puhua Diversified Investors purchase Micro Factory's net asset value tokens through the Puhua Diversified Investment Return Smart Contract System on the platform. The Micro Factory's operation and management organization will then deposit the investment funds into a deposit bank. P5. Collateralization Phase: The micro-factory operation and management organization will pledge the funds in the deposit bank to the insurance company to re-secure the repurchase of the micro-factory's net book value tokens; P6. Operation Phase: The micro-factory operation and management organization manages and operates the micro-factory, selling the battery products and stored electricity produced by the micro-factory to product and energy storage users. The revenue is automatically distributed to Puhua diversified investors through the Puhua diversified investment income smart contract system. The micro-factory operation and management organization collects operation and management fees. P7. Repurchase Phase: At the agreed time, the Micro Factory Operation and Management Organization will repurchase the Micro Factory's net asset value tokens through the Puhua Diversified Investment Income Smart Contract System. Puhua Diversified Investors will exit and receive their principal and returns. Puhua Diversified Investors may choose to continue holding the Micro Factory's net asset value or have their immediate family members inherit it, but it cannot be transferred to any third party other than the Micro Factory Operation and Management Organization. The Micro Factory's net asset value will remain for 15 years, after which it will automatically revert to the disposal of the Micro Factory Operation and Management Organization. P8. Platform Fees: Puhua Diversified Investment Income Management Institution will charge a certain percentage of management fees for each income distribution or repurchase through the Puhua Diversified Investment Income Smart Contract System; and select whether cash flow and information flow participate in securitization.

[0018] The present invention, by adopting the above-described technical solution, achieves the following technical advancements compared to existing technologies: (1) This invention connects the micro-factory operation and management organization, the Puhua diversified investment income management organization, the Puhua diversified investors, insurance companies, deposit banks, product and energy storage users through the production and sales smart contract management system and the Puhua diversified investment income smart contract system using blockchain technology, so as to realize the zero-risk long-term benefits of all participants; (2) This invention changes the lifestyle of labor income to investment income, which can adapt to the problem of job positions and labor force being difficult to match in the AI ​​era; (3) In this invention, the double protection of insurance and bank mortgage ensures the fulfillment of the obligation to repurchase the net asset value tokens of the micro factory. Even if the micro factory operation and management organization defaults, the insurance company will compensate for the value of the net asset value tokens of the micro factory, thus avoiding risks. (4) The smart contract system for production and sales and the smart contract system for diversified investment returns of the present invention are decentralized and unalterable automated processes, avoiding the risks of human operation; (5) This invention is based on a universal investment method and system of monetization of micro-factories and repurchase insurance of net book value of assets, which is used by the general public to enjoy the policy dividends of the government on the development of new energy economy and to lead the general public to common prosperity; the investment threshold is low, the operation method is simple, the investment preserves and increases value, and the long-term income is suitable for the general public to invest and start businesses.

[0019] This invention belongs to the field of investment management technology for new energy micro-manufacturing plants, and can achieve zero-risk investment and value preservation and appreciation through smart contracts and insurance mechanisms. Attached Figure Description

[0020] The accompanying drawings are provided to further illustrate the invention and form part of the specification. They are used together with the embodiments of the invention to explain the invention and do not constitute a limitation thereof.

[0021] In the attached diagram: Figure 1 This is a block diagram illustrating the structural principle of the universal investment return system based on micro-factory monetization and net asset value preservation insurance in Embodiment 1 of the present invention. Detailed Implementation

[0022] The preferred embodiments of the present invention will now be described with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are for illustrative and explanatory purposes only and are not intended to limit the scope of the invention.

[0023] Example 1 This embodiment provides a generalized investment return system based on micro-factory monetization and net asset value preservation insurance, such as... Figure 1 As shown, it includes micro-factories, micro-factory operation and management organizations, Puhua diversified investment income management organizations, Puhua diversified investors, insurance companies, deposit banks, product and energy storage users; it also includes a production and sales smart contract management system and a Puhua diversified investment income smart contract system, all based on blockchain technology.

[0024] In this embodiment, a micro-factory refers to a micro-production factory for new energy batteries that can utilize work-in-process energy storage during the production of new energy batteries, and the entire production and sales process is controlled and managed by a production and sales smart contract management system based on blockchain technology. Product and energy storage users refer to end users who purchase new energy battery products produced by the micro-factory or store electricity, including at least households, individuals, enterprises, institutions, or power grid companies, with payments completed automatically through smart contracts.

[0025] The micro-factory operation and management organization is the maintainer and user of the production and sales smart contract management system. Firstly, the micro-factory operation and management organization purchases micro-factories and utilizes the production and sales smart contract management system to sell new energy battery products and stored electricity to product and energy storage users. Secondly, after the micro-factory is invested in by Puhua Diversified Investment, it enjoys the operational and management rights of the micro-factory and deposits the recovered funds from the investment transfer into a deposit bank and then mortgages them to an insurance company. Thirdly, through the Puhua Diversified Investment Returns Smart Contract System, it repurchases the net book value of the micro-factory from Puhua Diversified Investment within a specified time.

[0026] Puhua Diversified Investment Income Management Institution refers to the management institution that monetizes micro-factories through the Puhua Diversified Investment Income Smart Contract System. It is the maintainer and user of the Puhua Diversified Investment Income Smart Contract System. Puhua Diversified Investors are ordinary investors who purchase ownership of micro-factories and obtain investment returns through the Puhua Diversified Investment Income Management Institution's Puhua Diversified Investment Income Smart Contract System. Puhua Diversified Investors, through the Puhua Diversified Investment Income Management Institution, utilize the Puhua Diversified Investment Income Smart Contract System to purchase ownership of micro-factories and obtain investment returns. The Puhua Diversified Investment Income Management Institution insures the net book value of the micro-factories with insurance companies and collects platform management fees through the Puhua Diversified Investment Income Smart Contract System. These platform management fees at least cover the management fees for the transfer of the net book value of the micro-factories' book value, as well as the cash flow management fees for raw material procurement, new energy battery products, and the sale of energy storage power.

[0027] Specifically, the micro-factory adopts a large-scale integrated modular design, possessing a new energy battery production system, a work-in-process energy storage system, an auxiliary power system, a micro-factory packaging platform, and a production and sales smart contract management system. It can adjust production rhythm and energy storage capacity according to demand. The micro-factory operation and management organization is responsible for the purchase, operation, and management of the micro-factory, including production planning, production management, production execution, raw material procurement, battery product and energy storage sales, and micro-factory maintenance. The production and sales smart contract management system monitors operational status and data in real time, and signs sales contracts with product and energy storage users, automatically settling payments and receipts. The production and sales smart contract management system is based on a blockchain platform, developing a smart contract login program to trigger value exchange between nodes when smart contract conditions are met. The smart contracts cover the entire process of production planning, production management, production execution, raw material procurement, battery product and energy storage sales, and micro-factory maintenance, ensuring data immutability. The Puhua diversified investment income management organization is responsible for reviewing micro-factory assets, issuing digital rights, managing investment accounts, and distributing profits. The Puhua diversified investment income smart contract system is deployed on the blockchain to process investment transactions and profit calculations. Puhua Diversified Investment Return Smart Contract System: Supports the monetization of micro-factory ownership. Puhua diversified investors purchase currency, signifying partial ownership. Returns come from the micro-factory's operating income and are distributed proportionally. Insurance Company: Provides net asset value preservation insurance for micro-factories, covering the risk of repurchase based on net asset value preservation; insurance contracts automatically trigger claims through smart contracts. Puhua Diversified Investors: Register and invest through the platform to purchase micro-factory currency and receive regular returns. The low investment threshold makes it suitable for ordinary investors. Deposit Bank: Partners with the platform to provide fund custody and collateral services for micro-factory operation and management institutions, handling collateral registration and providing reinsurance for insurance companies.

[0028] In this embodiment, the micro-factory serves as the core asset and a zero-risk investment anchor. Its value is anchored to zero risk through accelerated depreciation and energy storage-based electricity sales. The entire production and sales process is controlled and managed by the micro-factory operation and management organization through a smart contract management system, ensuring transparent and trustworthy transactions. The micro-factory does not participate in securitization. The Puhua Diversified Investment Returns Smart Contract System is used to handle the division, transfer, and profit distribution of micro-factory ownership, enabling diversified investment. Its cash flow and information flow can participate in securitization, but this is not encouraged.

[0029] After being invested in by Puhua Diversified Investment, the micro-factory operation and management organization no longer owns the micro-factory, but retains the right to operate and manage it and enjoys the management rights. It also assumes the obligation to repurchase the net book value of the micro-factory's assets. Furthermore, it can choose whether to enjoy the cash flow and information flow securitization rights of Puhua Diversified Investment's income management organization, as needed. The deposit bank receives the deposits from the micro-factory operation and management organization and provides collateral services.

[0030] Puhua diversified investors are prohibited from transferring the net book value of the micro-factory's assets to any third party other than the micro-factory operation and management institution, but they may choose whether to transfer the assets or have them inherited by their immediate family members; the net book value of the micro-factory's assets will remain for 15 years, after which it will automatically revert to the disposal of the micro-factory operation and management institution. Puhua diversified investment income management institution can operate through digital asset securitization and listing.

[0031] In this embodiment, the micro-factory, as a physical asset, ensures through accelerated depreciation accounting that its book value equals its initial value minus its return value, and is also equal to the value of its asset net worth token. The energy storage facility serves as a stable source of income, providing cash flow. Double protection through insurance and bank collateral ensures the fulfillment of the obligation to repurchase the micro-factory's asset net worth tokens. Even if the micro-factory's operating management organization defaults, the insurance company will compensate for the value of the micro-factory's asset net worth tokens. The production and sales smart contract system and the diversified investment return smart contract system are decentralized, immutable, and automated processes, avoiding the risks of human error.

[0032] To better illustrate this embodiment, a specific example is given below: This embodiment provides a universal investment method and system based on micro-factory monetization and net asset value repurchase insurance for the investment of a micro-factory with an annual production capacity of 5 GW of cellless power supply. It includes at least: 25 micro-factories, 1 micro-factory operation and management organization, 25 production and sales smart contract management systems, 1 universal diversified investment income management organization, 1 universal diversified investment income smart contract system, 100,000 universal diversified investors, 1 insurance company, 1 deposit bank, and several product and energy storage users; the product is a 51.2V 5kWh cellless power supply.

[0033] The micro-factory produces cell-free power products on one hand, and stores energy during the production process using an 8MWh cell-free power product work-in-process virtual energy bank on the other. The entire production and sales process is controlled and managed by the blockchain-based smart contract management system, which also collects data. One micro-factory operation and management organization purchases 25 micro-factories and uses 25 smart contract management systems to sell the cell-free power products and the stored 8MWh of electricity to various product and energy storage users, generating annual sales revenue of 3 billion RMB. One Puhua Diversified Investment Income Management institution, through a Puhua Diversified Investment Income Smart Contract system, monetized the net book value of 1.5 billion RMB for 25 micro-factories into 100,000 SWHC Samwashi tokens, each SWHC Samwashi token valued at 15,000 RMB. The Puhua Diversified Investment Income Management institution also insured the micro-factories' net book value for 1.5 billion RMB with an insurance company for a premium of 7.5 million RMB. 100,000 Puhua Diversified investors, through the Puhua Diversified Investment Income Management institution's smart contract system, each invested 15,000 RMB to purchase ownership of the 25 micro-factories and received an annual investment return of 420 million RMB.

[0034] One micro-factory operation and management organization's 25 micro-factories are invested in by 100,000 Puhua Diversified Investors. After Puhua Diversified Investors invest in the micro-factory, they enjoy the annual income of RMB180 million from its operation and management rights. The RMB1.5 billion recovered from the investment transfer (RMB45 million in bank interest income) is deposited into a deposit bank and then mortgaged to an insurance company.

[0035] A micro-factory operation and management organization repurchases the net book value of 25 micro-factories from 100,000 Puhua diversified investors within a specified period of 5 years through a Puhua diversified investment income smart contract system. After 5 years of accelerated depreciation, the net book value of the micro-factories has become zero.

[0036] One Puhua diversified investment income management institution collected RMB 150 million in platform management fees through one Puhua diversified investment income smart contract system.

[0037] Twenty-five micro-factories produce cell-free power products and utilize an 8MWh work-in-process virtual power bank to store and sell 8,000 kWh of electricity daily. These 25 micro-factories serve as core assets, representing a zero-risk investment anchor. Their value is anchored to zero risk through 5-year accelerated depreciation and energy storage sales. The entire production and sales process is controlled and managed by the aforementioned blockchain-based smart contract management system, ensuring transparent and trustworthy transactions. These 25 micro-factories also participate in securitization as core assets.

[0038] A micro-factory operation and management organization purchases 25 micro-factories and operates 25 smart contract management systems for production and sales to produce and sell cell-free power products and store and sell 8,000 kWh of electricity daily to several product and energy storage users. This single micro-factory operation and management organization uses and maintains the 25 smart contract management systems. These systems are based on blockchain technology and manage the entire production and sales process of the 25 micro-factories. Several product and energy storage users purchase 5 GWh of cell-free power products and 2 million kWh of electricity produced by the 25 micro-factories.

[0039] A diversified investment income management institution monetizes 25 micro-factories and manages the investment process through a diversified investment income smart contract system. The system handles the division, transfer, and profit distribution of ownership of the 25 micro-factories, realizing diversified investment; its cash flow and information flow participate in securitization, and the listed company's profits belong to the listed company's shareholders.

[0040] One diversified investment management institution paid a premium of 7.5 million yuan to an insurance company to protect the net book value of 25 micro-factories. The insurance company then provided insurance for the net book value of the 25 micro-factories after receiving the 7.5 million yuan premium.

[0041] One hundred thousand Puhua diversified investors purchased ownership of 25 micro-factories through a Puhua diversified investment return management institution's Puhua diversified investment return smart contract system and received an annual investment return of 450 million RMB.

[0042] One micro-factory operation and management organization, after investing in 100,000 Puhua Diversified Investors, still enjoys an annual operating and management equity of RMB 180 million. The RMB 1.5 billion recovered from the investment transfer is deposited in a bank and then pledged to an insurance company. Among these, 25 micro-factories, after being invested in by the 100,000 Puhua Diversified Investors, no longer own the ownership of the micro-factories, but still retain the operating and management rights of the 25 micro-factories and enjoy an annual operating and management equity income of RMB 180 million. Simultaneously, it bears the repurchase obligation of the net book value of the 25 micro-factories; it can also enjoy the cash flow and information flow securitization rights of the Puhua Diversified Investment Income Management Organization.

[0043] A deposit bank accepts deposits from a micro-factory operation and management organization, pays deposit interest, and provides collateral services.

[0044] A micro-factory operation and management organization, through a Puhua diversified investment return smart contract system, will repurchase the net book value of 25 micro-factories from 100,000 Puhua diversified investors within a specified period of 5 years (the net book value of these micro-factories will be zero after 5 years of accelerated depreciation). The 100,000 Puhua diversified investors cannot transfer the net book value of the 25 micro-factories to any third party other than the micro-factory operation and management organization, but they can choose not to transfer it or have it inherited by their immediate family members. The net book value of the 25 micro-factories will remain for 15 years, after which it will automatically revert to the disposal of the micro-factory operation and management organization.

[0045] One Puhua diversified investment income management institution collects RMB 150 million in platform management fees, cash flow, and information flow through one Puhua diversified investment income smart contract system. This includes the maintenance and use of the Puhua diversified investment income smart contract system by the institution; platform management fees covering at least the management fees for the transfer of the net book value of 25 micro-factories; and management fees for the cash flow from raw material procurement, new energy battery products, and the sale of energy storage power.

[0046] A diversified investment income management institution can be listed and operated through digital asset securitization.

[0047] Example 2 This embodiment provides a generalized investment return method based on micro-factory monetization and net asset value preservation insurance, implemented using Embodiment 1. The method includes the following steps: S1. The micro-factory operation and management organization purchases a micro-factory and uses the triggering terms of the production and sales smart contract management system to sell new energy battery products and stored electricity to product and energy storage users, thereby obtaining operating income; S2. Puhua Diversified Investment Income Management Agency monetizes micro-factories through the Puhua Diversified Investment Income Smart Contract System, which divides the book assets of micro-factories into tradable digital rights; S3. Puhua Diversified Investment Income Management Institution purchases a net asset value preservation insurance policy for the micro-factory's book assets from an insurance company, with the micro-factory operation and management institution promising to repurchase the insurance periodically. S4. Puhua diversified investors purchase ownership of micro-factories through the Puhua diversified investment return smart contract system and obtain investment returns based on the production and operation of the micro-factories; S5. After the micro-factory is invested in by Puhua Diversified Investment, the micro-factory operation and management organization continues to enjoy the operation and management rights, deposits the recovered funds obtained from the investment transfer into a deposit bank, and then mortgages the deposit to an insurance company as collateral for repurchasing the net book value of the micro-factory's assets. S6. The micro-factory operation and management organization will repurchase the net book value of the micro-factory from Puhua diversified investors within a specified time through the Puhua diversified investment income smart contract system. During this process, Puhua diversified investors may choose to continue holding the net book value of the micro-factory or have their immediate family members inherit it, but it may not be transferred to a third party other than the micro-factory operation and management organization. The net book value of the micro-factory will be maintained for 15 years, after which it will automatically be disposed of by the micro-factory operation and management organization. S7. Puhua Diversified Investment Income Management Institution collects platform management fees through the Puhua Diversified Investment Income Smart Contract System, which shall at least cover the management fees for the transfer of net asset value of micro-factory assets, the management fees for the purchase of raw and auxiliary materials, and the management fees for the cash flow of the sale of new energy battery products and energy storage electricity. In this process, Puhua Diversified Investment Income Management Institution may be listed and operated through digital asset securitization.

[0048] Steps S1 to S7 comprise the following seven stages: P1. Initialization Phase: The micro-factory operation and management organization purchases a micro-factory and registers the various production systems of the micro-factory in the production and sales smart contract system to collect production and operation data, as well as assets and sales channels; P2. Monetization Stage: Puhua Diversified Investment Income Management Institution calculates the net asset value of the micro-factory through the Puhua Diversified Investment Income Smart Contract System, and issues digital equity micro-factory net asset value tokens representing ownership through the Puhua Diversified Investment Income Smart Contract System. The value of the micro-factory net asset value token is equal to the initial value minus the return, and the token value cannot be negative. P3. Insurance Phase: Puhua Diversified Investment Income Management Institution purchases a value preservation insurance policy for the net book value of the micro-factory's assets from the insurance company through the Puhua Diversified Investment Income Smart Contract System. The insurance amount is based on the value of the micro-factory's net book value tokens. The micro-factory operation and management institution promises to repurchase the micro-factory's net book value tokens within the agreed time t. In this embodiment, t = 5 years, but it can also be other durations, such as 6 years, 8 years, etc. P4. Investment Stage: Puhua Diversified Investors purchase Micro Factory's net asset value tokens through the Puhua Diversified Investment Return Smart Contract System on the platform. The Micro Factory's operation and management organization will then deposit the investment funds into a deposit bank. P5. Collateralization Phase: The micro-factory operation and management organization will pledge the funds in the deposit bank to the insurance company to re-secure the repurchase of the micro-factory's net book value tokens; P6. Operation Phase: The micro-factory operation and management organization manages and operates the micro-factory, selling the battery products and stored electricity produced by the micro-factory to product and energy storage users. The revenue is automatically distributed to Puhua diversified investors through the Puhua diversified investment income smart contract system. The micro-factory operation and management organization collects operation and management fees. P7. Repurchase Phase: At the agreed time, the Micro Factory Operation and Management Organization will repurchase the Micro Factory's net asset value tokens through the Puhua Diversified Investment Income Smart Contract System. Puhua Diversified Investors will exit and receive their principal and returns. Puhua Diversified Investors may choose to continue holding the Micro Factory's net asset value or have their immediate family members inherit it, but it cannot be transferred to any third party other than the Micro Factory Operation and Management Organization. The Micro Factory's net asset value will remain for 15 years, after which it will automatically revert to the disposal of the Micro Factory Operation and Management Organization. P8. Platform Fees: Puhua Diversified Investment Income Management Institution will charge a certain percentage of management fees for each income distribution or repurchase through the Puhua Diversified Investment Income Smart Contract System; its cash flow and information flow can participate in securitization, but this is not encouraged.

Claims

1. A universal investment return system based on micro-factory monetization and net asset value preservation insurance, characterized in that, This includes micro-factories, micro-factory operation and management organizations, Puhua diversified investment income management organizations, Puhua diversified investors, insurance companies, deposit banks, and product and energy storage users; it also includes a production and sales smart contract management system based on blockchain technology and a Puhua diversified investment income smart contract system. Micro-factory refers to a micro-production factory for new energy batteries that can utilize work-in-process energy storage during the production process of new energy batteries. Product and energy storage users refer to end users who purchase new energy battery products or store electricity produced by micro-factories; The micro-factory operation and management organization is the maintainer and user of the production and sales smart contract management system. Firstly, the micro-factory operation and management organization purchases micro-factories and uses the production and sales smart contract management system to sell new energy battery products and stored electricity to product and energy storage users. Secondly, after the micro-factory is invested in by Puhua Diversified Investment, it enjoys the rights to operate and manage it, and deposits the recovered funds from the investment transfer into a deposit bank and then mortgages them to an insurance company. Thirdly, through the Puhua Diversified Investment Returns Smart Contract System, it repurchases the net book value of the micro-factory from Puhua Diversified Investment within a specified time. Puhua Diversified Investment Income Management Agency is the maintainer and user of the Puhua Diversified Investment Income Smart Contract System; Puhua Diversified Investors purchase ownership of micro-factories and obtain investment returns through the Puhua Diversified Investment Income Management Agency and the Puhua Diversified Investment Income Smart Contract System; Puhua Diversified Investment Income Management Agency insures the net book value of the micro-factories with insurance companies and collects platform management fees through the Puhua Diversified Investment Income Smart Contract System.

2. The universal investment return system based on micro-factory monetization and net asset value preservation insurance as described in claim 1, characterized in that, Micro-factory: Adopting a large-scale integrated modular design, it has a new energy battery production system, a work-in-process energy storage system, an auxiliary power system, a micro-factory packaging platform, and a production and sales smart contract management system, which can adjust the production rhythm and energy storage capacity according to demand; Micro-factory operation and management organization: responsible for the purchase, operation and management of micro-factories, including production planning, production management, production execution, procurement of raw and auxiliary materials, sales of battery products and energy storage, and micro-factory maintenance. It monitors the operating status and data in real time through the production and sales smart contract management system, and signs sales contracts with product and energy storage users and automatically settles payments. Production and Sales Smart Contract Management System: Based on a blockchain platform, a smart contract login program is developed to trigger value exchange between nodes when the smart contract conditions are met. The smart contracts cover the entire process of production planning, production management, production execution, raw and auxiliary material procurement, battery product and energy storage sales, and micro-factory maintenance. The data is tamper-proof. Product and energy storage users: at least households, individuals, enterprises, institutions, or grid companies, with payments completed automatically through smart contracts; Puhua Diversified Investment Income Management Institution: Responsible for reviewing micro-factory assets, issuing digital rights, managing investment accounts and income distribution. Puhua Diversified Investment Income Smart Contract System is deployed on the blockchain to process investment transactions and income calculations. Puhua Diversified Investment Income Smart Contract System: Supports the monetization of ownership of micro-factories. When Puhua diversified investors purchase currency, it means they own partial ownership. The income comes from the operating income of the micro-factory and is distributed proportionally. Insurance company: Provides net asset value preservation insurance for micro-factories, covering the risk of net asset value preservation and repurchase of micro-factory assets; the insurance contract automatically triggers claims through smart contracts; Puhua Diversified Investors: Register and invest through the platform to purchase Micro Factory currency and receive regular returns; Deposit banks: Partner with the platform to provide fund custody and mortgage services for micro-factory operation and management organizations, handle mortgage registration, and provide reinsurance for insurance companies.

3. The universal investment return system based on micro-factory monetization and net asset value preservation insurance as described in claim 1 or 2, characterized in that, Micro-factories, as core assets, serve as a zero-risk investment anchor, with their value anchored through accelerated depreciation and energy storage for electricity sales. The entire production and sales process is controlled and managed by the micro-factory operation and management organization through the production and sales smart contract management system to ensure transparent and trustworthy transactions; the micro-factory does not participate in securitization.

4. The universal investment return system based on micro-factory monetization and net asset value preservation insurance as described in claim 1 or 2, characterized in that, The Puhua Diversified Investment Income Smart Contract System is used to handle the division, transfer, and profit distribution of ownership of micro-factories, realizing Puhua diversified investment. Its information flow and cash flow determine whether to participate in securitization based on needs and relevant laws and regulations.

5. The universal investment return system based on micro-factory monetization and net asset value preservation insurance according to claim 4, characterized in that, After the micro-factory is invested in by Puhua Diversified Investment, the micro-factory operation and management organization no longer owns the micro-factory, but still has the right to operate and manage the micro-factory and enjoys the operating and management rights. At the same time, it assumes the repurchase obligation of the net book value of the micro-factory's assets; and chooses whether to enjoy the cash flow and information flow securitization rights of Puhua Diversified Investment Income Management Organization as needed. Depository banks accept deposits from micro-factory operation and management organizations and provide collateral services.

6. The universal investment return system based on micro-factory monetization and net asset value preservation insurance as described in claim 1, 2, or 5, characterized in that, Puhua diversified investors are not allowed to transfer the net book value of the micro-factory to any third party other than the micro-factory operation and management organization, but they can choose whether to transfer it or have it inherited by their immediate family members; the net book value of the micro-factory is retained for 15 years, after which it will automatically be disposed of by the micro-factory operation and management organization.

7. The universal investment return system based on micro-factory monetization and net asset value preservation insurance as described in claim 1, 2, or 5, characterized in that, The platform management fee should at least cover the management fee for the transfer of the net book value of the micro-factory's assets, and the management fee for the cash flow of raw and auxiliary material procurement, new energy battery products and energy storage electricity sales. Puhua diversified investment income management institutions can choose whether to list and operate through digital asset securitization.

8. A generalized investment return method based on micro-factory monetization and net asset value preservation insurance, implemented using the generalized investment return system based on micro-factory monetization and net asset value preservation insurance as described in any one of claims 1 to 7, characterized in that... The method includes the following steps: S1. The micro-factory operation and management organization purchases a micro-factory and uses the triggering terms of the production and sales smart contract management system to sell new energy battery products and stored electricity to product and energy storage users, thereby obtaining operating income; S2. Puhua Diversified Investment Income Management Agency monetizes micro-factories through the Puhua Diversified Investment Income Smart Contract System, which divides the book assets of micro-factories into tradable digital rights; S3. Puhua Diversified Investment Income Management Institution purchases a net asset value preservation insurance policy for the micro-factory's book assets from an insurance company, with the micro-factory operation and management institution promising to repurchase the insurance periodically. S4. Puhua diversified investors purchase ownership of micro-factories through the Puhua diversified investment return smart contract system and obtain investment returns based on the production and operation of the micro-factories; S5. After the micro-factory is invested in by Puhua Diversified Investment, the micro-factory operation and management organization continues to enjoy the operation and management rights, deposits the recovered funds obtained from the investment transfer into a deposit bank, and then mortgages the deposit to an insurance company as collateral for repurchasing the net book value of the micro-factory's assets. S6. The micro-factory operation and management organization will repurchase the net book value of the micro-factory from the Puhua diversified investors within a specified time through the Puhua diversified investment return smart contract system. During this process, the Puhua diversified investors may choose to continue to hold the net book value of the micro-factory or have their immediate family members inherit it, but it may not be transferred to a third party other than the micro-factory operation and management organization. S7. Puhua Diversified Investment Income Management Institution collects platform management fees through the Puhua Diversified Investment Income Smart Contract System, which shall at least cover the management fees for the transfer of net asset value of micro-factory assets; and the management fees for the cash flow of raw and auxiliary material procurement, new energy battery products and energy storage power sales. During this process, Puhua Diversified Investment Income Management Institution may choose whether to list and operate through digital asset securitization.

9. The generalized investment return method based on micro-factory monetization and net asset value preservation insurance as described in claim 8, characterized in that, Steps S1 to S7 comprise the following seven stages: P1. Initialization Phase: The micro-factory operation and management organization purchases a micro-factory and registers the various production systems of the micro-factory in the production and sales smart contract system to collect production and operation data, as well as assets and sales channels; P2. Monetization Stage: Puhua Diversified Investment Income Management Institution calculates the net asset value of the micro-factory through the Puhua Diversified Investment Income Smart Contract System, and issues digital equity tokens representing ownership of the micro-factory net asset value through the Puhua Diversified Investment Income Smart Contract System. The value of the micro-factory net asset value token is equal to the initial value minus the return, and the token value is ≥ 0. P3. Insurance Phase: Puhua Diversified Investment Income Management Institution purchases micro-factory book asset net value preservation insurance from the insurance company through the Puhua Diversified Investment Income Smart Contract System. The insurance amount is based on the value of the micro-factory book asset net value tokens. The micro-factory operation and management institution promises to repurchase the micro-factory book asset net value tokens within the agreed time t. P4. Investment Stage: Puhua Diversified Investors purchase Micro Factory's net asset value tokens through the Puhua Diversified Investment Return Smart Contract System on the platform. The Micro Factory's operation and management organization will then deposit the investment funds into a deposit bank. P5. Collateralization Phase: The micro-factory operation and management organization will pledge the funds in the deposit bank to the insurance company to re-secure the repurchase of the micro-factory's net book value tokens; P6. Operation Phase: The micro-factory operation and management organization manages and operates the micro-factory, selling the battery products and stored electricity produced by the micro-factory to product and energy storage users. The revenue is automatically distributed to Puhua diversified investors through the Puhua diversified investment income smart contract system. The micro-factory operation and management organization collects operation and management fees. P7. Repurchase Phase: At the agreed time, the Micro Factory Operation and Management Organization will repurchase the Micro Factory's net asset value tokens through the Puhua Diversified Investment Income Smart Contract System. Puhua Diversified Investors will exit and receive their principal and returns. Puhua Diversified Investors may choose to continue holding the Micro Factory's net asset value or have their immediate family members inherit it, but it cannot be transferred to a third party other than the Micro Factory Operation and Management Organization. The Micro Factory's net asset value will remain for 15 years, after which it will automatically revert to the disposal of the Micro Factory Operation and Management Organization. P8. Platform Fees: Puhua Diversified Investment Income Management Institution will charge a certain percentage of management fees for each income distribution or repurchase through the Puhua Diversified Investment Income Smart Contract System; and select whether cash flow and information flow participate in securitization.

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