New scene application scheme for multi-stock competing innovative finance
By deconstructing traditional shares into programmable atomic equity units through the multiple-share equity system, the problem of insufficient flexibility in the traditional equity trading model is solved, enabling refined financial applications and efficient capital allocation.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-12-25
- Publication Date
- 2026-04-07
AI Technical Summary
Traditional equity trading and management models cannot meet the flexibility and sophistication requirements of modern financial scenarios. They cannot break down and flexibly combine the complex rights of traditional shares, resulting in inefficient capital allocation and inaccurate matching of risk and return.
The financial scenario application system adopts multiple shareholding and combined rights, including the underlying equity anchoring module, equity digital deconstruction and encapsulation module, smart contract engine module and upper-layer application interface module, to realize the deconstruction and reconstruction of the equity structure of traditional shares, forming independent, programmable atomic equity units, and executing relevant business logic and rules through smart contracts.
It enables refined allocation and flexible management of equity, supports innovative financial scenarios such as project-based employee incentives, refined asset management and dynamic supply chain financing, improves capital allocation efficiency and transparency, and reduces trust costs and compliance auditing difficulties.
Smart Images
Figure CN121810399A_ABST
Abstract
Description
Technical Field
[0001] This invention provides a novel financial application solution for the combined equity structure, belonging to the field of digital asset technology. Background Technology
[0002] Traditional equity, as a holistic and standardized financial instrument, has a relatively fixed trading and management model. In the existing technological system, a single share is typically treated as an indivisible unit for trading, pledging, exercising rights, or participating in governance. While this "package" ownership structure has historically ensured convenient transactions and clear ownership, its limitations are increasingly apparent in the highly flexible, personalized, and fragmented demands of modern finance and business. For example, an investor may only be optimistic about the future returns of a specific asset (such as a core patent) or business line within a company, but cannot invest in that specific equity without holding the overall shares. Similarly, employee incentive plans often grant comprehensive equity covering the company's overall development, failing to precisely link the value of a specific project or business unit corresponding to an employee's individual contribution. These issues limit capital allocation efficiency, result in insufficiently precise risk-return matching, and hinder the creation of highly customized financial products. On the other hand, with the development of distributed ledger technologies (DLT) such as blockchain and smart contracts, the digitization and programmability of assets have become possible, providing a technological foundation for changing the inherent form of traditional shares. However, existing technologies mostly focus on putting traditional shares on the blockchain "unchanged" (i.e., so-called "asset tokenization"), without fundamentally reconstructing the internal ownership structure of shares to adapt to the in-depth needs of the aforementioned emerging scenarios.
[0003] Therefore, the current fintech field urgently needs an innovative solution that can deconstruct and reconstruct the equity structure of shares from the ground up. This solution can standardize, independently encapsulate, and flexibly combine the complex rights attached to a single share (such as the right to income, voting rights, asset disposal rights, and data access rights), and create solutions that can be applied to different financial scenarios to address the core problems of insufficient flexibility, coarse granularity, and difficulty in accurately matching risk and return in the traditional model. Summary of the Invention
[0004] The technical problem this invention aims to solve is how to transform traditional, fixed, and indivisible shares (or asset rights) into a digital, programmable rights unit system that can be flexibly deconstructed, independently packaged, and used to build and drive diverse innovative financial application scenarios.
[0005] To address the aforementioned problems, the present invention proposes the following technical solution: a financial scenario application system based on multiple equity stakes, comprising: an underlying equity anchoring module, an equity digitization deconstruction and encapsulation module, a smart contract engine module, and an upper-layer application interface module; wherein, the underlying equity anchoring module is used to digitize and store target assets or equity in the real world on the blockchain, generating corresponding anchored asset certificates; the equity digitization deconstruction and encapsulation module is used to receive user instructions, standardize and decompose the composite equity represented by the anchored asset certificates according to preset power dimensions, forming multiple independent and traceable atomic equity units, and encapsulating each atomic equity unit into a digital asset that can be independently issued, circulated, and managed; the smart contract engine module is used to define and execute business logic and rules associated with each atomic equity unit, including but not limited to issuance, transfer, exercise conditions, profit distribution, and automatic liquidation; the upper-layer application interface module provides standardized data access and function call interfaces for external financial applications to build financial scenario applications based on the atomic equity units.
[0006] Preferably, the powers and rights include at least: the right to distribute profits, the right to vote on specific matters, the right to dispose of underlying assets, and the right to access ancillary data.
[0007] Preferably, the equity digitization deconstruction and encapsulation module further includes: a custom combination submodule, which allows users or applications to combine multiple atomic equity units of different types into a new synthetic equity package with specific risk and return characteristics according to preset rules. The synthetic equity package itself is managed as a new digital asset.
[0008] Preferably, the smart contract engine module has a pre-built composite contract for managing the synthetic equity package. This composite contract specifies the weights of each atomic equity unit within the synthetic equity package, the rebalancing mechanism, and the transfer and redemption rules for the synthetic equity package as a whole.
[0009] Preferably, the system is applied to project-based employee incentive scenarios: wherein the underlying equity anchoring module maps the future revenue rights of a specific innovative project within the company; the atomic equity units formed after deconstruction and encapsulation represent specific revenue rights to milestone achievements at different stages of the project; the rules set by the smart contract engine module automatically bind the employee's work contribution (input via on-chain or off-chain oracle) to the exercise conditions of the corresponding atomic equity units.
[0010] Preferably, the system is applied to a refined asset management scenario: wherein the underlying equity anchoring module maps to a company or an asset package; after deconstruction and encapsulation, the income rights and disposal rights representing different business lines, different regional markets or different asset types are split into independent atomic equity units; investors buy, sell and hold specific atomic equity units they favor through the upper-layer application interface, thereby achieving refined investment and risk hedging of the target assets.
[0011] Preferably, the system is applied to dynamic supply chain finance scenarios: in which the accounts payable or order revenue of the core enterprise serve as anchor assets; after deconstruction and encapsulation, atomic equity units with different credit ratings and terms are generated based on the accounts receivable of suppliers at different delivery nodes and with different quality ratings; financial institutions purchase and trade these units through the upper-layer application interface to achieve dynamic, multi-level financing and risk pricing.
[0012] The beneficial effects of this invention are:
[0013] 1. Achieve refined and flexible allocation of equity: By deconstructing the traditional "package" of equity into independent atomic equity units, this solution enables investors, employees or other participants to accurately buy, sell, hold or exercise the specific rights they value most (such as the revenue rights of a certain business line), which greatly improves the efficiency and flexibility of capital allocation and meets the growing demand for personalized financial services.
[0014] 2. Supporting the construction of innovative financial scenarios: Based on the programmability and composability of atomic equity units, this solution can natively support innovative scenarios that are difficult to achieve or costly to implement under traditional models, such as project-based precise incentives, refined asset investment, and dynamic supply chain financing, thus opening up new paths for financial services to support the real economy.
[0015] 3. Enhance transparency and automation: Relying on smart contracts to automatically execute predetermined business logic (such as profit distribution and exercise determination), the generation, transfer and state change of all atomic equity units are recorded on the chain, which is immutable and fully traceable, significantly reducing trust costs, operational risks and compliance auditing difficulties. Attached Figure Description
[0016] Figure 1 This is a schematic diagram of the system of the present invention. Detailed Implementation
[0017] The present invention will be further described below with reference to embodiments.
[0018] Example 1: Application of Project-Based Employee Incentive Scenarios for Technology Innovation Enterprises
[0019] A technology company, "Smart Innovation Future," launched a blockchain underlying technology research and development project codenamed "Alpha." Using this solution system, the company first uses the underlying rights anchoring module to digitally map the potential intellectual property licensing revenue and project dividend rights generated by the "Alpha" project over the next three years, after compliance assessment and auditing. This generates a total of 10 million units of "Alpha Project Revenue Rights" anchored certificates, which are then registered on a permissioned blockchain.
[0020] Subsequently, the equity digitization deconstruction and encapsulation module, based on the project development roadmap, decomposed the "Alpha Project Revenue Rights" according to milestones: 30% of the equity was encapsulated into atomic equity unit A, which was linked to the milestone of "V1.0 version code completion and passing internal testing"; 40% of the equity was encapsulated into atomic equity unit B, which was linked to "V2.0 version launch and acquisition of the first commercial customer"; and the remaining 30% was encapsulated into atomic equity unit C, which was linked to "the project's net profit target being achieved three years later".
[0021] The company deploys smart contracts for three types of units (A, B, and C) through a smart contract engine module. The contract rules stipulate that the exercise conditions for unit A are automatically verified by the project code repository's commit records and test reports (via oracle input); the exercise conditions for unit B require on-chain receipt of payment confirmation information from a designated customer; and the exercise conditions for unit C require connection to an audited financial data oracle. The company assigns these units to the core development, testing, and product managers of the project teams. Employees can view the status and expected value of their units in real time through upper-layer application interface modules (such as an internal incentive DApp).
[0022] When the project's V1.0 version completes its internal testing as scheduled, the oracle is automatically triggered. Employees holding Unit A can immediately exercise their rights through the smart contract and receive corresponding cash or company stock rewards, ensuring precise and immediate incentive payouts. Employee Xiao Zhang, as a key backend developer, primarily receives Unit A and a small amount of Unit B, while product manager Xiao Wang primarily receives Units B and C, demonstrating a high degree of alignment between incentives and individual contributions.
[0023] Example 2: Application of Refined Alternative Asset Management Scenarios for Investment Institutions
[0024] A new energy investment firm, Green Energy Capital, is looking to invest in Sunshine Energy Group, but is only optimistic about its offshore wind power business and cautious about its photovoltaic manufacturing business. Traditionally, investment firms can only purchase shares of the entire group, thus incurring unwanted risk exposure.
[0025] Using this solution, Green Energy Capital, as the proposer, collaborated with Sunshine Energy Group to structure and store the net assets and projected cash flows for the next two years of the offshore wind power business line in the Group's financial statements on the blockchain through the underlying equity anchoring module, generating anchoring certificates representing the equity of the business line.
[0026] Subsequently, the equity digitization deconstruction and encapsulation module further breaks down the certificate into two atomic equity units: one is the "preferred income right unit" representing stable cash flow dividends, and the other is the "growth equity unit" representing the residual value of business growth. The contract deployed by the smart contract engine module stipulates that the preferred income right unit enjoys a fixed percentage of profit distribution every quarter, while the growth equity unit can only be exercised after the business valuation reaches a certain threshold.
[0027] Green Energy Capital, through its dedicated investment platform accessed via the upper-layer application interface module, primarily subscribed to "growth equity units," achieving precise investment in the growth potential of offshore wind power while mitigating potential risks in the photovoltaic manufacturing sector. Furthermore, the platform's custom portfolio submodule allows Green Energy Capital to package a portion of its "growth equity units" with similar units from other new energy projects (such as hydrogen energy projects) at a 3:7 ratio, creating a synthetic equity package called "Clean Energy Growth Portfolio," which can then be transferred among qualified institutional investors, achieving deeper asset portfolio innovation and liquidity management.
[0028] Example 3: Application of Refined Financing and Risk Pricing Scenarios for Dynamic Supply Chain Finance
[0029] As a large core manufacturing enterprise, "Global Supply Chain Co., Ltd." has hundreds of small and medium-sized suppliers upstream. In the traditional supply chain finance model, financial institutions usually provide bulk factoring or pledge financing for suppliers' accounts receivable based on the overall credit of the core enterprise. It is difficult to conduct dynamic and refined risk pricing and financing services based on factors such as the actual quality of each transaction and the timeliness of delivery.
[0030] Using this solution, Global Supply Chain Limited and its partner bank Agile Bank jointly deployed the aforementioned financial scenario application system based on multiple equity stakes.
[0031] First, the underlying equity anchoring module digitally maps and stores on the blockchain the future payment commitments of "Global Supply Chain Co., Ltd." to its suppliers for accounts payable or specific orders based on real trade backgrounds, after compliance review and confirmation of rights. For example, an accounts payable of 5 million yuan with payment terms of "60 days after acceptance of goods" will generate a corresponding "accounts payable anchoring voucher".
[0032] Next, the rights digitization deconstruction and encapsulation module, based on preset rights dimensions (in this scenario, mainly focusing on revenue rights, i.e., the right to collect accounts receivable), and combined with the specific characteristics of the supply chain, performs a refined deconstruction of the rights represented by the anchored certificate:
[0033] Based on the delivery milestones of the supplier "Precision Parts Factory" (such as "Raw Materials Arrival", "Preliminary Processing Completion", and "Final Finished Product Delivery"), the RMB 5 million accounts receivable equity is split into three atomic equity units with different maturity dates and amounts: Unit D1 (corresponding to "Raw Materials Arrival", amount 500,000), Unit D2 (corresponding to "Preliminary Processing Completion", amount 1.5 million), and Unit D3 (corresponding to "Final Finished Product Delivery and Acceptance", amount 3 million).
[0034] Furthermore, based on quality ratings set according to historical transaction data (such as "Excellent", "Acceptable", "Under Observation"), different credit enhancement or risk discount coefficients are attached to each unit through smart contracts. For example, if the quality rating of the "Precision Parts Factory" delivery this time is "Excellent", then its corresponding unit can receive 100% repayment of the base amount when exercising the option; if it is "Acceptable", there may be a 2% discount; if it is "Under Observation", the discount rate is even higher.
[0035] Then, the smart contract engine module defines and executes complex business logic for these atomic units of equity:
[0036] The exercise (i.e. redemption) conditions of the unit are automatically bound to the delivery confirmation information and quality inspection report received on the chain (input via IoT devices or authoritative third-party oracles).
[0037] The revenue distribution rules clearly stipulate that after the core enterprise pays for the goods, the funds will be distributed to the parties currently holding each atomic equity unit in a priority and automatic manner, in accordance with the smart contract.
[0038] Set up automatic liquidation rules. For example, if a node fails to deliver in a critical manner, the corresponding atomic equity unit can be automatically marked as invalid or an insurance claim process can be initiated.
[0039] The upper-layer application interface module provides standardized data access and transaction interfaces to "Agile Bank" and other partner financial institutions. Financial institutions can access this through the connected supply chain finance platform.
[0040] View all atomic equity units with different credit ratings and terms generated based on the core enterprise's accounts payable in real time.
[0041] Based on their own risk appetite and cost of capital, these units are purchased and traded in a refined manner. For example, an "agile bank" might primarily purchase units D1 and D2 with high credit ratings and short maturities to obtain low-risk, fast-turnover returns; while a venture capital-backed fintech company might prefer to purchase unit D3 with slightly lower ratings but larger discounts and higher potential returns.
[0042] Suppliers, such as "precision parts manufacturers," can also flexibly transfer some of their expiring atomic equity units to financial institutions to obtain working capital during the goods delivery process, with the financing pricing closely linked to the actual quality and progress of each transaction.
[0043] As can be seen from the above three embodiments, the present invention can transform the traditional fixed equity structure into a digital component that can be flexibly defined, split, combined and programmed, thereby providing a solid technical infrastructure for diversified financial and business innovations.
[0044] The present invention and its embodiments have been described above. This description is not restrictive, and the accompanying drawings are only one embodiment of the present invention; the actual structure is not limited thereto. In conclusion, if those skilled in the art are inspired by this description and design similar structures and embodiments without departing from the spirit of the invention, such designs should fall within the protection scope of the present invention.
Claims
1. A financial scenario application system based on multiple shares and combined rights, characterized in that, include: The system comprises an underlying equity anchoring module, an equity digitization deconstruction and encapsulation module, a smart contract engine module, and an upper-layer application interface module. The underlying equity anchoring module is used to digitize and store target assets or rights in the real world on the blockchain, generating corresponding anchored asset certificates. The equity digitization deconstruction and encapsulation module receives user instructions, standardizes and splits the composite rights represented by the anchored asset certificates according to preset power dimensions, forming multiple independent and traceable atomic equity units, and encapsulates each atomic equity unit into a digital asset that can be independently issued, circulated, and managed. The smart contract engine module is used to define and execute the business logic and rules associated with each atomic equity unit, including but not limited to issuance, transfer, exercise conditions, profit distribution and automatic liquidation; the upper-layer application interface module provides standardized data access and function call interfaces for external financial applications to build financial scenario applications based on the atomic equity units.
2. The system according to claim 1, characterized in that, The powers and responsibilities include at least the following dimensions: the right to distribute profits, the right to vote on specific matters, the right to dispose of underlying assets, and the right to access ancillary data.
3. The system according to claim 1, characterized in that, The equity digitization deconstruction and encapsulation module further includes a custom combination submodule, which allows users or applications to combine multiple different types of atomic equity units into a new synthetic equity package with specific risk and return characteristics according to preset rules. The synthetic equity package itself is managed as a new digital asset.
4. The system according to claim 3, characterized in that, The smart contract engine module has a pre-built composite contract for managing the synthetic equity package. This composite contract specifies the weights of each atomic equity unit within the synthetic equity package, the rebalancing mechanism, and the rules for the transfer and redemption of the synthetic equity package as a whole.
5. The system according to claim 1, characterized in that, The system is applied to project-based employee incentive scenarios: the underlying equity anchoring module maps the future revenue rights of a specific innovative project within the company; the atomic equity units formed after deconstruction and encapsulation represent specific revenue rights to milestone achievements at different stages of the project; the rules set by the smart contract engine module automatically bind the employee's work contribution (input via on-chain or off-chain oracle) to the exercise conditions of the corresponding atomic equity units.
6. The system according to claim 1, characterized in that, The system is applied to refined asset management scenarios: the underlying equity anchoring module maps to a company or an asset package; after deconstruction and encapsulation, the income rights and disposal rights representing different business lines, different regional markets or different asset types are split into independent atomic equity units; investors buy, sell and hold specific atomic equity units they favor through the upper-layer application interface, thereby achieving refined investment and risk hedging of target assets.
7. The system according to claim 1, characterized in that, The system is applied to dynamic supply chain finance scenarios, where accounts payable or order revenue of core enterprises serve as anchor assets. After deconstruction and encapsulation, atomic equity units with different credit ratings and terms are generated based on the accounts receivable of suppliers at different delivery nodes and with different quality ratings. Financial institutions purchase and trade these units through the upper-layer application interface to achieve dynamic, multi-level financing and risk pricing.