CN110570192A - Method and device for physical mortgage on block chain for borrowing digital currency - Google Patents

Method and device for physical mortgage on block chain for borrowing digital currency Download PDF

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Publication number
CN110570192A
CN110570192A CN201910798577.4A CN201910798577A CN110570192A CN 110570192 A CN110570192 A CN 110570192A CN 201910798577 A CN201910798577 A CN 201910798577A CN 110570192 A CN110570192 A CN 110570192A
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mortgage
address
digital currency
physical
evaluation
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吉建勋
沈书航
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Beijing Ai Morui Strategic Technology Co Ltd
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Beijing Ai Morui Strategic Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The application discloses a method and a device for physical mortgage borrowing digital currency on a block chain, wherein the method comprises the following steps: the method comprises the steps that a service node receives a mortgage request sent by user equipment, wherein the mortgage request comprises physical mortgage data, evaluation result signature information, a second address, the amount of lending digital currency and lending time; wherein the physical property comprises a physical type and a proof of ownership of the physical, and the physical type comprises one or more of a real estate, an automobile and a fixed asset of a company; and the service node calls a mortgage intelligent contract which verifies the mortgage request, and after the mortgage intelligent contract passes the verification, the amount of the lending digital currency is converted from the first address to the second address. According to the method and the device, the digital currency can be borrowed and credited on the block chain, and the user experience of the user using the block chain finance is further improved.

Description

Method and device for physical mortgage on block chain for borrowing digital currency
Technical Field
The invention relates to the technical field of internet big data, in particular to a method and a device for carrying out physical mortgage loan digital currency on a block chain.
Background
The block chain technology combines distributed storage, a consensus mechanism, an encryption algorithm and other technologies, and has the characteristics of being not falsifiable, being real and credible in data, being traceable and the like.
at present, more and more internet data can be put on a block chain, so that the data is more credible.
Therefore, there is a need to solve the problem of lending digital currency over a blockchain to enhance the user experience when using blockchain finance.
The foregoing description is merely for convenience in understanding and is not to be construed as limiting the prior art to the present application.
Disclosure of Invention
Based on the above problems, the embodiments of the present application provide a method and an apparatus for performing physical mortgage on a blockchain to debit and credit digital money, where the method can debit and credit digital money on the blockchain, thereby improving user experience of user using blockchain finance.
In a first aspect, the present application discloses a method for physical mortgage of digital currency over a blockchain, the method comprising:
the method comprises the steps that a service node receives a mortgage request sent by user equipment, wherein the mortgage request comprises physical mortgage data, evaluation result signature information, a second address, the amount of lending digital currency and lending time; the physical mortgage data comprises physical attributes and physical fingerprints obtained by hashing the physical attributes, and the physical fingerprints are transferred from the user addresses to the mortgage addresses of the service nodes; the evaluation result signature information comprises a signature of the evaluation node after the evaluation node evaluates the price of the real object, and the second address is the digital currency collection address of the user; the property of the real object comprises a kind of the real object and a proof of ownership of the real object, wherein the kind of the real object comprises one or more of real estate, automobiles and fixed assets of companies;
The service node calls a mortgage intelligent contract which verifies the mortgage request, and after the mortgage intelligent contract passes the verification, the amount of the lending digital currency is converted from the first address to the second address; the mortgage request verification comprises signature verification of an evaluation node, verification of physical mortgage price and loan digital currency amount, and verification of whether physical fingerprints are transferred to a mortgage address, wherein the first address is a credit digital currency address of a service node.
In one possible implementation, the method further includes: the user equipment sends a real object price evaluation request to an evaluation node, so that the evaluation node signs a signature by a private key of the evaluation node after evaluating the price of the real object, and sends an evaluation result of the signature of the private key of the evaluation node to the user equipment; and the evaluation result signature information comprises the evaluation price of the real object.
In one possible implementation, the method further includes: the service node receives a mortgage removing request sent by the user equipment, wherein the mortgage removing request comprises the information of the amount of the borrowed digital currency, and the information is transferred to the first address from the second address;
the service node calls a mortgage-releasing intelligent contract, the mortgage-releasing intelligent contract verifies the mortgage-releasing request, and after the verification is passed, the physical fingerprint is transferred from the mortgage address to the user address; wherein the mortgage-releasing request verifies whether the message including the amount of the digital currency to be borrowed is transferred to the first address, and the loan time is verified.
in one possible implementation, the loan time check includes checking whether the time of the mortgage request is within a predetermined loan time.
In one possible implementation, the borrowing manner of the borrowing digital currency amount comprises regular borrowing and current borrowing, and the interest of the current borrowing is larger than that of the regular borrowing.
In one possible implementation, the default amount of the periodic loan of the digital currency is greater than the default amount of the current loan, and the default amount is the digital currency.
In one possible implementation, the digital currency is a stable currency.
In a second aspect, the present application discloses an apparatus for physical mortgage lending of digital currency over a blockchain, wherein the apparatus is a service node and the apparatus comprises a receiving unit, a processing unit and a transmitting unit; wherein the content of the first and second substances,
the receiving unit is used for receiving a mortgage request sent by user equipment, wherein the mortgage request comprises physical mortgage data, evaluation result signature information, a second address, the amount of the borrowed digital currency and lending time; the physical mortgage data comprises physical attributes and physical fingerprints obtained by hashing the physical attributes, and the physical fingerprints are transferred from the user addresses to the mortgage addresses of the service nodes; the evaluation result signature information comprises a signature of the evaluation node after the evaluation node evaluates the price of the real object, and the second address is the digital currency collection address of the user; the property of the real object comprises a kind of the real object and a proof of ownership of the real object, wherein the kind of the real object comprises one or more of real estate, automobiles and fixed assets of companies;
The processing unit calls a mortgage intelligent contract which verifies the mortgage request, and after the mortgage intelligent contract passes the verification, the sending unit transfers the amount of the lending digital currency from the first address to the second address; the mortgage request verification comprises signature verification of an evaluation node, verification of physical mortgage price and loan digital currency amount, and verification of whether physical fingerprints are transferred to a mortgage address, wherein the first address is a credit digital currency address of a service node.
In a possible implementation manner, the user equipment sends a real object price evaluation request to an evaluation node, so that the evaluation node signs a signature with a private key of the evaluation node after evaluating the price of the real object, and sends an evaluation result of the signature with the private key of the evaluation node to the user equipment; and the evaluation result signature information comprises the evaluation price of the real object.
In a possible implementation manner, the receiving unit receives a mortgage releasing request sent by the user equipment, wherein the mortgage releasing request comprises a message of borrowing digital currency amount, and the message is transferred from the second address to the first address;
the processing unit calls a mortgage-releasing intelligent contract which verifies the mortgage-releasing request, and the sending unit transfers the physical fingerprint from the mortgage address to the user address after the verification is passed; wherein the mortgage-releasing request verifies whether the message including the amount of the digital currency to be borrowed is transferred to the first address, and the loan time is verified.
according to the method and the device, the digital currency can be borrowed and credited on the block chain, and the user experience of the user using the block chain finance is further improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a flow chart illustrating a method for physical mortgage lending digital currency over a blockchain as disclosed herein;
FIG. 2 is a flow chart illustrating another method for physical mortgage lending digital currency over a blockchain as disclosed herein;
FIG. 3 is a block diagram illustrating an apparatus for physical mortgage lending digital currency over a blockchain according to the present disclosure;
Fig. 4 is a block diagram of an apparatus for physical mortgage of digital currency over a blockchain according to the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms "first" and "second" in this application are used for convenience of understanding only, and are not to be construed as sequential or limiting in any way.
For the purpose of facilitating understanding of the embodiments of the present invention, the following description will be further explained with reference to specific embodiments, which are not to be construed as limiting the embodiments of the present invention.
the following describes aspects of the present application with reference to the drawings.
As shown in fig. 1, a method for physical mortgage of digital currency over a blockchain includes steps S101-S102.
S101, a service node receives a mortgage request sent by user equipment, wherein the mortgage request comprises physical mortgage data, evaluation result signature information, a second address, the amount of borrowed digital currency and lending time; the physical mortgage data comprises physical attributes and physical fingerprints obtained by hashing the physical attributes, and the physical fingerprints are transferred from the user addresses to the mortgage addresses of the service nodes; the evaluation result signature information comprises a signature of the evaluation node after the evaluation node evaluates the price of the real object, and the second address is the digital currency collection address of the user; the property of the real object comprises a kind of the real object and a proof of ownership of the real object, and the kind of the real object comprises one or more of real estate, automobiles and fixed assets of companies.
S102, the service node calls a mortgage intelligent contract, the mortgage intelligent contract verifies the mortgage request, and after the verification is passed, the amount of the lending digital currency is converted from a first address to a second address; the mortgage request verification comprises signature verification of an evaluation node, verification of physical mortgage price and loan digital currency amount, and verification of whether physical fingerprints are transferred to a mortgage address, wherein the first address is a credit digital currency address of a service node.
It should be noted that, in this embodiment of the application, an address where the physical fingerprint is located, that is, the physical fingerprint corresponds to an owner of the physical object.
In one example, the method further comprises: the user equipment sends a real object price evaluation request to an evaluation node, so that the evaluation node signs a signature by a private key of the evaluation node after evaluating the price of the real object, and sends an evaluation result of the signature of the private key of the evaluation node to the user equipment; and the evaluation result signature information comprises the evaluation price of the real object.
It should be noted that the evaluation node may be evaluated by a professional evaluation structure, and after evaluation, the evaluation report is signed by a private key of the evaluation organization and sent to the blockchain address of the user.
In one example, the method further comprises: the service node receives a mortgage removing request sent by the user equipment, wherein the mortgage removing request comprises the information of the amount of the borrowed digital currency, and the information is transferred to the first address from the second address;
The service node calls a mortgage-releasing intelligent contract, the mortgage-releasing intelligent contract verifies the mortgage-releasing request, and after the verification is passed, the physical fingerprint is transferred from the mortgage address to the user address; wherein the mortgage-releasing request verifies whether the message including the amount of the digital currency to be borrowed is transferred to the first address, and the loan time is verified.
In one example, the loan time check includes checking whether the time of the mortgage request is within a predetermined loan time.
In one example, the borrowing manner of the borrowing digital currency amount comprises regular borrowing and current borrowing, and the interest of the current borrowing is larger than that of the regular borrowing.
In one example, the periodic loan default of the digital currency is greater than the default of the live loan, the default being the digital currency.
In one example, the digital currency is a stable currency.
According to the method and the device, the digital currency can be borrowed and credited on the block chain, and the user experience of the user using the block chain finance is further improved.
Fig. 2 is a schematic flow chart of another mortgage method according to an embodiment of the present application, which illustrates the mortgage method in detail. The method includes S210-S206.
It should be noted that the evaluation node in the present application is a node in charge of value evaluation in the blockchain network; the service node is a node in charge of the loan service in the blockchain network, the evaluation node and the service node can initiate consensus verification of the blockchain network, and after the consensus passes, the loan process is generated into a data uplink.
s201, the user equipment sends a mortgage value evaluation request to an evaluation node.
In the embodiment of the present application, the mortgage is a real object.
S202, the evaluation node evaluates the value of the mortgage and signs the value evaluation result.
The evaluation node can be a professional entity value evaluation organization and can also be an evaluation structure approved by a service node; the signature of the private key of the evaluation node means that the evaluation result is responsible for the value evaluation result of the real object.
S203, the user equipment sends a mortgage request to the service node, wherein the mortgage request comprises the mortgage data, the signature information of the evaluation result, the public key of the evaluation node, the address of the user for receiving the digital currency, the amount of the borrowed digital currency and the borrowing time.
at the moment, the collateral data comprises the attribute of the real object and the fingerprint of the real object obtained by hashing the attribute of the real object, and the fingerprint is transferred to the collateral address of the service node from the user address; the evaluation result signature information comprises a signature of the evaluation node after the evaluation node evaluates the value of the real object; the evaluation node public key is used to verify the signature of the evaluation node private key. The amount of the digital currency to be borrowed and the borrowing time can be decided by the user; several alternative lending means may also be provided by the service node from which the user selects.
And S204, triggering a mortgage intelligent contract, verifying the mortgage request by the mortgage intelligent contract, and transferring the amount of the lending digital currency from the first address to the address of the user for receiving the digital currency after the mortgage intelligent contract passes the verification.
The mortgage request verification comprises signature verification of an evaluation node, verification of physical mortgage price and loan digital currency amount, and verification of whether physical fingerprints are transferred to a mortgage address, wherein the first address is a credit digital currency address of a service node.
at this time, when any of the checks fails, the flow is terminated. The physical mortgage price may be greater than or 1.5 times the amount of the digital debit currency.
And S205, the service node receives a mortgage removing request sent by the user equipment, wherein the mortgage removing request comprises the information of the amount of the borrowed digital currency, and the information is transferred to the first address from the digital currency receiving address of the user.
And S206, triggering a mortgage-releasing intelligent contract, verifying the mortgage-releasing request by the mortgage-releasing intelligent contract, and transferring the physical fingerprint from the mortgage address to the user address after the verification is passed.
At this time, the mortgage releasing request verifies whether the message including the amount of the digital cash is transferred to the first address, and the loan time is verified. When the verification is different, the process is terminated; in addition, the time to release the mortgage is not within the predetermined loan time, i.e., the predetermined loan time is exceeded, and the default fee is paid.
it should be noted that the loan process data is stored in the blockchain in the present application.
According to the method and the device, the digital currency can be borrowed and credited on the block chain, and the user experience of the user using the block chain finance is further improved.
The apparatus of the present application will be described below with reference to fig. 4 as an example.
as shown in fig. 4, an apparatus for physical mortgage lending digital currency over a blockchain, the apparatus being a service node, the apparatus comprising a receiving unit, a processing unit and a transmitting unit.
the receiving unit is used for receiving a mortgage request sent by user equipment, wherein the mortgage request comprises physical mortgage data, evaluation result signature information, a second address, the amount of the borrowed digital currency and lending time; the physical mortgage data comprises physical attributes and physical fingerprints obtained by hashing the physical attributes, and the physical fingerprints are transferred from the user addresses to the mortgage addresses of the service nodes; the evaluation result signature information comprises a signature of the evaluation node after the evaluation node evaluates the price of the real object, and the second address is the digital currency collection address of the user; the property of the real object comprises a kind of the real object and a proof of ownership of the real object, and the kind of the real object comprises one or more of real estate, automobiles and fixed assets of companies.
the processing unit calls a mortgage intelligent contract which verifies the mortgage request, and after the mortgage intelligent contract passes the verification, the sending unit transfers the amount of the lending digital currency from the first address to the second address; the mortgage request verification comprises signature verification of an evaluation node, verification of physical mortgage price and loan digital currency amount, and verification of whether physical fingerprints are transferred to a mortgage address, wherein the first address is a credit digital currency address of a service node.
In one example, the user equipment sends a real object price evaluation request to an evaluation node, so that the evaluation node signs a signature with a self private key after evaluating the real object price, and sends an evaluation result signed by the private key of the evaluation node to the user equipment; and the evaluation result signature information comprises the evaluation price of the real object.
In one example, the receiving unit receives a mortgage release request sent by the user equipment, wherein the mortgage release request comprises a message for transferring a borrowed digital currency amount from the second address to the first address;
The processing unit calls a mortgage-releasing intelligent contract which verifies the mortgage-releasing request, and the sending unit transfers the physical fingerprint from the mortgage address to the user address after the verification is passed; wherein the mortgage-releasing request verifies whether the message including the amount of the digital currency to be borrowed is transferred to the first address, and the loan time is verified.
The application further discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of the above embodiments when executing the program.
The present application also discloses a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method of any of the above embodiments.
Fig. 3 shows a schematic diagram of a computer device, which may include: a processor 310, a memory 320, an input/output interface 330, a communication interface 340, and a bus 350. Wherein the processor 340, the memory 320, the input/output interface 330, and the communication interface 340 are communicatively coupled to each other within the device via a bus 350.
the processor 310 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present specification.
The Memory 320 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 320 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 320 and called to be executed by the processor 310.
the input/output interface 330 is used for connecting an input/output module to realize information input and output. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.
The communication interface 340 is used for connecting a communication module (not shown in the figure) to implement communication interaction between the present device and other devices. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).
Bus 350 includes a path that transfers information between the various components of the device, such as processor 310, memory 320, input/output interface 330, and communication interface 340.
It should be noted that although the above-mentioned device only shows the processor 310, the memory 320, the input/output interface 330, the communication interface 340 and the bus 350, in a specific implementation, the device may also include other components necessary for normal operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.
Those of skill would further appreciate that the various illustrative components and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, a software module executed by a processor, or a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only illustrative of the present invention and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the scope of the present invention should be included in the scope of the present invention.

Claims (10)

1. A method for physical mortgage of digital currency over a blockchain, the method comprising:
The method comprises the steps that a service node receives a mortgage request sent by user equipment, wherein the mortgage request comprises physical mortgage data, evaluation result signature information, a second address, the amount of lending digital currency and lending time; the physical mortgage data comprises physical attributes and physical fingerprints obtained by hashing the physical attributes, and the physical fingerprints are transferred from the user addresses to the mortgage addresses of the service nodes; the evaluation result signature information comprises a signature of the evaluation node after the evaluation node evaluates the price of the real object, and the second address is the digital currency collection address of the user; the property of the real object comprises a kind of the real object and a proof of ownership of the real object, wherein the kind of the real object comprises one or more of real estate, automobiles and fixed assets of companies;
The service node calls a mortgage intelligent contract which verifies the mortgage request, and after the mortgage intelligent contract passes the verification, the amount of the lending digital currency is converted from the first address to the second address; the mortgage request verification comprises signature verification of an evaluation node, verification of physical mortgage price and loan digital currency amount, and verification of whether physical fingerprints are transferred to a mortgage address, wherein the first address is a credit digital currency address of a service node.
2. The method of claim 1, further comprising:
The user equipment sends a real object price evaluation request to an evaluation node, so that the evaluation node signs a signature by a private key of the evaluation node after evaluating the price of the real object, and sends an evaluation result of the signature of the private key of the evaluation node to the user equipment; and the evaluation result signature information comprises the evaluation price of the real object.
3. The method of claim 1, further comprising:
The service node receives a mortgage removing request sent by the user equipment, wherein the mortgage removing request comprises the information of the amount of the borrowed digital currency, and the information is transferred to the first address from the second address;
The service node calls a mortgage-releasing intelligent contract, the mortgage-releasing intelligent contract verifies the mortgage-releasing request, and after the verification is passed, the physical fingerprint is transferred from the mortgage address to the user address; wherein the mortgage-releasing request verifies whether the message including the amount of the digital currency to be borrowed is transferred to the first address, and the loan time is verified.
4. The method of claim 3 wherein said loan time verification comprises verifying that said time to mortgage request is within a predetermined loan time.
5. The method of claim 1 wherein said digital currency is borrowed in a manner that includes periodic loans and current loans, said current loans having interest greater than said periodic loans.
6. The method of claim 5, wherein the periodic loan default of the digital currency is greater than the default of the current loan, the default being the digital currency.
7. The method according to any one of claims 1 to 6, wherein the digital currency is a stable currency.
8. The device for carrying out physical mortgage on a block chain to debit digital currency is characterized in that the device is a service node and comprises a receiving unit, a processing unit and a sending unit; wherein the content of the first and second substances,
The receiving unit is used for receiving a mortgage request sent by user equipment, wherein the mortgage request comprises physical mortgage data, evaluation result signature information, a second address, the amount of the borrowed digital currency and lending time; the physical mortgage data comprises physical attributes and physical fingerprints obtained by hashing the physical attributes, and the physical fingerprints are transferred from the user addresses to the mortgage addresses of the service nodes; the evaluation result signature information comprises a signature of the evaluation node after the evaluation node evaluates the price of the real object, and the second address is the digital currency collection address of the user; the property of the real object comprises a kind of the real object and a proof of ownership of the real object, wherein the kind of the real object comprises one or more of real estate, automobiles and fixed assets of companies;
The processing unit calls a mortgage intelligent contract which verifies the mortgage request, and after the mortgage intelligent contract passes the verification, the sending unit transfers the amount of the lending digital currency from the first address to the second address; the mortgage request verification comprises signature verification of an evaluation node, verification of physical mortgage price and loan digital currency amount, and verification of whether physical fingerprints are transferred to a mortgage address, wherein the first address is a credit digital currency address of a service node.
9. The apparatus according to claim 8, wherein the user device sends a material object price evaluation request to an evaluation node, so that the evaluation node signs the material object with its own private key after evaluating the price of the material object, and sends the evaluation result signed by the evaluation node private key to the user device; and the evaluation result signature information comprises the evaluation price of the real object.
10. the apparatus of claim 8,
The receiving unit is used for receiving a mortgage removing request sent by the user equipment, wherein the mortgage removing request comprises the information of the amount of the borrowed digital currency, and the information is transferred to the first address from the second address;
The processing unit calls a mortgage-releasing intelligent contract which verifies the mortgage-releasing request, and the sending unit transfers the physical fingerprint from the mortgage address to the user address after the verification is passed; wherein the mortgage-releasing request verifies whether the message including the amount of the digital currency to be borrowed is transferred to the first address, and the loan time is verified.
CN201910798577.4A 2019-08-27 2019-08-27 Method and device for physical mortgage on block chain for borrowing digital currency Pending CN110570192A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111415251A (en) * 2020-05-09 2020-07-14 杭州时戳信息科技有限公司 Block chain-based mortgage lending method and system, storage medium and computing device
CN112686652A (en) * 2020-12-14 2021-04-20 中国汽车技术研究中心有限公司 Block chain-based digital asset transaction method, device, equipment and storage medium
CN114358946A (en) * 2022-01-13 2022-04-15 支付宝(杭州)信息技术有限公司 Block chain-based mortgage lending method and device

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111415251A (en) * 2020-05-09 2020-07-14 杭州时戳信息科技有限公司 Block chain-based mortgage lending method and system, storage medium and computing device
CN112686652A (en) * 2020-12-14 2021-04-20 中国汽车技术研究中心有限公司 Block chain-based digital asset transaction method, device, equipment and storage medium
CN114358946A (en) * 2022-01-13 2022-04-15 支付宝(杭州)信息技术有限公司 Block chain-based mortgage lending method and device

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