WO2022237555A1 - Blockchain system-based remittance method, and apparatus - Google Patents

Blockchain system-based remittance method, and apparatus Download PDF

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Publication number
WO2022237555A1
WO2022237555A1 PCT/CN2022/089807 CN2022089807W WO2022237555A1 WO 2022237555 A1 WO2022237555 A1 WO 2022237555A1 CN 2022089807 W CN2022089807 W CN 2022089807W WO 2022237555 A1 WO2022237555 A1 WO 2022237555A1
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assets
remittance
asset
institution
distributed
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PCT/CN2022/089807
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French (fr)
Chinese (zh)
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胡国卿
魏玮
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支付宝(杭州)信息技术有限公司
蚂蚁区块链科技(上海)有限公司
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Publication of WO2022237555A1 publication Critical patent/WO2022237555A1/en

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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • a remittance method based on a blockchain system including: an asset issuer Issue balance assets to be distributed and liability assets to be distributed in the blockchain system, the amount of the balance assets to be distributed and the liability assets to be distributed is equal; the asset issuer will not exceed the credit line of the first remittance institution
  • the balance assets to be distributed and the liability assets to be distributed are allocated to the first blockchain account corresponding to the first remittance institution as the available balance assets and available liability assets corresponding to the first remittance institution, the available balance assets and the The amount of available liability assets is equal;
  • the first remittance institution sends a remittance transaction to the blockchain system to indicate remittance to the second remittance institution, so that the blockchain system will transfer the first blockchain account to the blockchain system,
  • the available balance assets equal to the amount indicated in the remittance transaction
  • a remittance device based on a blockchain system is proposed, which is applied to a blockchain node, including: an issuing unit that receives an asset issuance transaction initiated by an asset issuer In the case of , issue the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which they belong, and the balance assets to be distributed and the liability assets to be distributed are equal in amount; the credit granting unit, according to the For an asset credit transaction initiated upon receipt of an asset credit request sent by the first remittance institution, the balance assets to be distributed and liability assets to be distributed that do not exceed the credit line of the first remittance institution will be allocated to the first remittance institution’s corresponding No.
  • the remittance unit after receiving the first remittance institution initiated In the case of a remittance transaction indicating remittance to a second remittance institution, the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction are transferred to the second remittance institution corresponding to the second remittance institution. In the second blockchain account.
  • an electronic device including: a processor; a memory for storing processor-executable instructions; wherein, the processor executes the executable instructions To realize the method as described in any one of the third aspect and the fourth aspect.
  • a computer-readable storage medium on which computer instructions are stored, and when the instructions are executed by a processor, any one of the third aspect and the fourth aspect can be realized. steps of the method described in the item.
  • Fig. 2 is a flowchart of a remittance method based on a blockchain system provided by an exemplary embodiment.
  • Fig. 4 is an interaction diagram of a remittance method based on a blockchain system provided by an exemplary embodiment.
  • Fig. 5 is a flowchart of another remittance method based on a blockchain system provided by an exemplary embodiment.
  • Fig. 6 is a flow chart of another remittance method applied to blockchain nodes provided by an exemplary embodiment.
  • Fig. 7 is an interaction diagram of another remittance method based on a blockchain system provided by an exemplary embodiment.
  • Fig. 8 is a schematic structural diagram of a device provided by an exemplary embodiment.
  • Fig. 9 is a block diagram of a remittance device based on a blockchain system provided by an exemplary embodiment.
  • Fig. 10 is a block diagram of another remittance device based on a blockchain system provided by an exemplary embodiment.
  • Remittance also known as "remittance” is one of the payment methods for international settlement, and refers to a business process in which the payer actively remits money to the payee through a third party (such as a bank) using various settlement tools Way. Since this business processing method involves the vital interests of all parties, it requires high reliability of the processing process.
  • Blockchain technology also known as distributed ledger technology
  • distributed ledger technology is a decentralized distributed database technology, which has many characteristics such as decentralization, openness and transparency, non-tamperable, and trustworthy, and is suitable for many In application scenarios with high reliability requirements.
  • a corresponding amount of on-chain assets are issued in the block chain system X, and the on-chain assets are recorded in the first block chain account a corresponding to the first remittance institution A.
  • This process corresponds to steps 1 and 2 in Figure 1, namely Steps for Advance Funding and Asset Issuance.
  • Remittance requires corresponding off-chain assets as support, and the off-chain assets of remittance institutions have strong liquidity, often unable to retain enough off-chain assets for the issuance of on-chain assets, resulting in the failure of remittances.
  • this manual proposes a remittance method based on asset credit to solve the above-mentioned problems in the advance payment method.
  • Fig. 2 is a flow chart of a remittance method based on a blockchain system shown in an exemplary embodiment of this specification.
  • the method may include the following steps: Step 202, the asset issuer issues balance assets to be distributed and liability assets to be distributed in the block chain system, and the amounts of the balance assets to be distributed and the liability assets to be distributed are equal.
  • the remittance based on the blockchain system is realized by means of advance funds. Because it needs to issue assets on the chain in advance, it leads to problems such as low remittance efficiency and inability to carry out remittance operations;
  • the assets on the chain issued are all balance assets.
  • the related technology also involves the reconciliation of the assets on the chain and the assets off the chain.
  • Step 204 the asset issuer allocates the balance assets to be distributed and the liability assets to be distributed that do not exceed the credit line of the first remittance institution to the first blockchain account corresponding to the first remittance institution, as the first remittance institution Corresponding available balance assets and available liability assets, the amounts of the available balance assets and the available liability assets are equal.
  • the asset issuer can issue balance assets and liability assets to be distributed equal to the credit line in the blockchain system according to the credit line of the first remittance institution, and the issued balance assets to be distributed Liabilities and assets to be allocated can only be allocated to the first blockchain account corresponding to the first remittance institution.
  • the asset issuer can conduct a risk assessment on the first remittance institution in advance, so as to determine the credit line corresponding to the first remittance institution based on the evaluation result.
  • the balance assets to be distributed and liability assets to be distributed issued above can be regarded as the total amount of on-chain assets that can be used by the first remittance institution for remittance; and are allocated to the first blockchain account based on the asset credit request
  • the balance assets to be distributed and liability assets to be distributed can be regarded as the on-chain assets needed by the first remittance institution for remittance in a certain period. For example, assuming that the asset issuer issues 2,000 on-chain assets in the blockchain system based on the credit line of the first remittance institution, then the first remittance institution can send 500 assets per day to the asset issuer.
  • the first remittance agency can initiate a remittance transaction to the blockchain system under the instruction of the user, so that the blockchain system will transfer the remittance amount in the first blockchain account to the blockchain system according to the remittance amount contained in the remittance transaction.
  • the available balance assets with the same remittance amount are transferred to the second blockchain account corresponding to the second remittance institution.
  • the total assets of the first remittance agency are reduced by "an amount equal to the remittance amount”
  • the total assets of the second remittance agency are increased by " an amount equal to the remittance amount”.
  • the above asset credit process is equivalent to the first remittance institution exchanging its own credit for assets on the chain, and the available liability assets recorded in the first blockchain account are used to record the assets of the first remittance institution. After the assets on the chain are exchanged, the off-chain assets that need to be repaid. Therefore, this specification may also include the operation of the first remittance institution repaying the asset issuer.
  • the blockchain system can, at a specific time every day, according to the amount of available liability assets, and from the first blockchain account The number of days from the day when the available liability assets are received to the current day, and the corresponding liability interest on that day is calculated.
  • the asset exchange transaction can also be initiated by the asset issuer.
  • the second remittance institution needs to exchange assets on the chain for assets off the chain, it can send an asset exchange request to the asset issuer; and the asset issuer can generate the corresponding asset exchange request after receiving the asset exchange request. transaction, and send it to the blockchain system to instruct the blockchain system to deduct the available balance assets equal to the exchange amount indicated in the asset exchange transaction in the second blockchain account; correspondingly, the asset issuer receives After the asset exchange request, off-chain assets equal to the exchange amount can also be sent to the second remittance institution to complete the entire asset exchange process.
  • the blockchain system in this specification can include only a single blockchain network or multiple blockchain networks.
  • the blockchain system can adopt the traditional blockchain architecture, that is, all nodes in the blockchain system are formed by deploying blockchain codes on corresponding physical devices. In most cases, each node corresponds to A physical device; the blockchain system can also adopt the BaaS (Blockchain as a Service) architecture in blockchain technology, that is, all nodes in the blockchain network deploy blocks on virtual machines implemented in the cloud through cloud services Formed by chain code, blockchain nodes do not need to correspond to corresponding physical devices one by one.
  • the blockchain system can adopt the traditional blockchain architecture, that is, all nodes in the blockchain system are formed by deploying blockchain codes on corresponding physical devices. In most cases, each node corresponds to A physical device; the blockchain system can also adopt the BaaS (Blockchain as a Service) architecture in blockchain technology, that is, all nodes in the blockchain network deploy blocks on virtual machines implemented in the cloud through cloud services Formed by chain code, blockchain nodes do not need to correspond to corresponding physical devices one by one
  • this manual allocates the issued on-chain assets to the blockchain accounts corresponding to the remittance institutions, they will be allocated according to the credit status of the remittance institutions to ensure that the balance to be allocated to the blockchain accounts corresponding to the remittance institutions Neither the amount of assets nor the amount of liabilities assets to be distributed will exceed the credit line of the remittance institution.
  • the blockchain system can also calculate the debt interest corresponding to the first remittance institution at different times after the first remittance institution allocates the assets on the chain, and record the debt interest in the corresponding first remittance institution.
  • an interest asset equal to the interest amount of the liability can also be issued in the blockchain system, and the interest asset is recorded in the third blockchain account corresponding to the asset issuer. It is not difficult to understand that since the asset type of interest assets belongs to balance assets, and the asset type of liability interest belongs to liability assets, and the two amounts are equal, the total assets on the chain in the blockchain system are still 0, which is different from that of asset issuers. The amount of assets under the chain remains the same. It can be seen that by generating debt interest and issuing interest assets, the asset sender can obtain the rewards for maintaining the assets on the chain and assisting the first remittance agency to realize the remittance without violating the principle of asset issuance on the chain.
  • Fig. 3 is a flow chart of a remittance method applied to blockchain nodes according to an exemplary embodiment of this specification.
  • the method may include the following steps: step 302, in the case of receiving the asset issuance transaction initiated by the asset issuer, issue the balance asset to be distributed and the liability asset to be distributed in the blockchain system to which it belongs, and the balance asset to be distributed equal to the amount of the said liability assets to be distributed.
  • Step 304 according to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, the balance assets to be distributed and liability assets to be distributed that do not exceed the credit line of the first remittance institution , allocated to the first blockchain account corresponding to the first remittance institution as the available balance asset and available liability asset corresponding to the first remittance institution, and the amounts of the available balance asset and the available liability asset are equal.
  • the balance assets to be distributed and liability assets to be distributed that do not exceed the credit line of the first remittance institution can be allocated to the first blockchain account corresponding to the first remittance institution .
  • the allocated amount can be determined by the first remittance institution.
  • the first remittance institution can send an asset credit request to the asset issuer to make the asset issuer generate a corresponding asset credit transaction and send it to the blockchain node ; and when the blockchain node receives the asset credit transaction, it can transfer the balance assets to be distributed and the liability assets to be distributed equal to the assets contained in the asset credit transaction to the first blockchain account .
  • the amount of the asset does not exceed the credit limit of the first remittance institution.
  • Step 306 In the case of receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfer the available funds in the first block chain account equal to the amount indicated in the remittance transaction The balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
  • the first remittance agency can send off-chain assets to the asset issuer for repayment when there are enough off-chain assets; the asset issuer can generate corresponding repayment after receiving the off-chain assets
  • the transaction is sent to the blockchain node; the blockchain node can deduct the available liability assets equal to the assets under the chain from the first blockchain account according to the received repayment transaction.
  • the blockchain node can also calculate the available liability assets corresponding to the repayment time based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain node receives the repayment transaction.
  • interest on the debt and record the interest on the debt in the first blockchain account; correspondingly, the blockchain node can also issue interest assets attributable to the asset issuer in the blockchain system to which it belongs, and the amount of the interest assets It is equal to the debt interest and is recorded in the third blockchain account corresponding to the asset issuer.
  • the assets in the second blockchain account can also be exchanged for off-chain assets.
  • the available balance assets in the second blockchain account can be converted into off-chain assets by default.
  • the asset issuer can remit off-chain assets equal to the amount indicated in the remittance transaction to the second remittance
  • the asset exchange transaction can be sent to the blockchain node; and the blockchain node can deduct the corresponding amount of available balance assets from the second blockchain account according to the asset exchange transaction.
  • the blockchain node can deduct the available balance assets in the second blockchain account that are equal to the exchange amount indicated in the asset exchange transaction; it should be noted that the asset exchange request sent to the asset issuer is also used to indicate the asset The issuer remits off-chain assets equal to the above exchange amount to the second remittance institution.
  • the asset issuer in this specification simultaneously issues two types of on-chain assets, the balance asset to be distributed and the liability asset to be distributed in the blockchain system, so that the total assets on the chain issued by the asset issuer The amount is 0, which avoids the situation that the remittance institution must advance funds at the asset issuer when the relevant technology issues blockchain assets, thereby avoiding the situation of low remittance efficiency and failure to remit due to advance funds .
  • the following takes remittance institution A to remittance institution B as an example to introduce the process of remittance only through the credit method.
  • Fig. 4 is an interaction diagram of a remittance method based on a blockchain system shown in an exemplary embodiment of this specification.
  • the method may include the following steps: Step 401, the asset issuer C conducts a risk assessment on the remittance institution A.
  • Step 404 the blockchain system X issues equal amounts of balance assets to be distributed and liability assets to be distributed according to the credit line in the asset issuance transaction.
  • blockchain system X can issue 2000 balance assets to be distributed and 2000 liability assets to be distributed.
  • the balance assets to be distributed and the liability assets to be distributed can only be allocated to the blockchain account a corresponding to the remittance institution A, but asset allocation will only be performed when an asset credit transaction is received operation.
  • the issued blockchain transaction can be recorded in the blockchain account c corresponding to the asset issuer C.
  • the assets recorded in each blockchain account are as follows: Table 1:
  • object blockchain account balance assets Liability assets Remittance institution A account a 0 0 Remittance institution B account b 0 0 Asset issuer C account c 2000 2000
  • Step 405 the remittance institution A sends an asset credit request to the asset issuer C.
  • the remittance institution A can make the asset issuer C generate a corresponding asset credit transaction by sending an asset credit request to the asset issuer C, and send the asset credit transaction to the blockchain system X.
  • the blockchain system X can allocate assets according to the credit amount indicated in the asset credit transaction.
  • Step 406 the asset issuer C generates an asset credit transaction based on the credit amount included in the asset credit request.
  • Step 407 asset issuer C sends the generated asset credit transaction to blockchain system X.
  • Step 408 according to the credit amount contained in the asset credit transaction, the blockchain system X allocates the corresponding amount of balance assets to be distributed and liability assets to be distributed to the blockchain account a corresponding to the remittance institution A, as the account a of the remittance institution A. available balance assets and available liability assets.
  • the credit amount included in the asset credit transaction is not greater than the credit limit of the remittance institution A. In other words, in the above example, the credit amount should not be greater than 2000.
  • the blockchain system X can transfer the liability assets with an amount of 500 and the balance assets with an amount of 500 to the blockchain account corresponding to the remittance institution A a, so that the remittance institution A has enough on-chain assets for remittance.
  • the assets recorded in each blockchain account are shown in Table 2:
  • asset issuer C can also actively carry out asset Credit, for example, asset issuer C can send asset credit transactions to the blockchain system according to a preset time period (such as every day) to complete the distribution of assets on the chain.
  • Step 409 remittance institution A sends a remittance transaction to blockchain system X.
  • Step 410 blockchain system X transfers the available balance assets in blockchain account a equal to the amount indicated by the remittance transaction to blockchain account b.
  • object blockchain account balance assets Liability assets Remittance institution A account a 300 500 Remittance institution B account b 200 0 Asset issuer C account c 1500 1500
  • Step 411 the blockchain system X calculates the debt interest of the remittance institution A according to the repayment time.
  • object blockchain account balance assets Liability assets debt interest Remittance institution A account a 300 500 10 Remittance institution B account b 200 0 0 Asset Issuer C account c 1500 1500 0
  • Table 4 is just an example of "recording debt interest separately".
  • asset type of debt interest is a liability asset, it can also be recorded as a liability asset.
  • object blockchain account balance assets Liability assets Remittance institution A account a 300 510 Remittance institution B account b 200 0 Asset Issuer C account c 1500 1500
  • Step 412 the blockchain system issues interest assets equal to the debt interest, which is recorded in the third blockchain account corresponding to the asset issuer.
  • object blockchain account balance assets Liability assets debt interest interest assets Remittance institution A account a 300 500 10 0 Remittance institution B account b 200 0 0 0 Asset issuer C account c 1500 1500 0 10
  • it may also include the step of remittance institution A repaying the asset issuer C, and the step of remittance institution B converting on-chain assets into off-chain assets.
  • this embodiment can issue liability assets and balance assets equal to the credit line of the remittance institution in the blockchain system according to the credit situation of the remittance institution.
  • the blockchain system can transfer the corresponding amount of balance assets and liability assets to the corresponding blockchain account of the remittance institution for remittance. Since the total amount of balance assets and liability assets is 0, this embodiment does not require remittance institutions to issue funds as in related technologies, thereby avoiding the inability of remittance institutions due to poor liquidity of assets in related technologies Issues with remittances and low remittance efficiency.
  • Fig. 5 is a flow chart of another remittance method based on a blockchain system shown in an exemplary embodiment of this specification.
  • the method may include the following steps: step 502, the asset issuer issues the balance assets to be distributed in the blockchain system and Liability assets to be distributed; wherein, the balance assets to be distributed are equal to the sum of the advance assets and the credit line, and the liability assets to be distributed are equal to the credit line.
  • Step 504 the asset issuer allocates the first amount of balance assets to be distributed and the second amount of liability assets to be distributed to the first blockchain account corresponding to the first remittance institution, so as to serve as corresponding Available liability assets and available balance assets, the first amount is not greater than the sum, and the second amount is not greater than the credit line.
  • Step 506 the first remittance institution sends to the blockchain system a remittance transaction for instructing remittance to the second remittance institution, so that the blockchain system combines the first blockchain account with the remittance
  • the available balance assets equal to the amount indicated in the transaction are transferred to the second blockchain account corresponding to the second remittance institution.
  • the first remittance institution can conduct remittance operations based on the on-chain assets in the first blockchain account.
  • the first remittance agency can initiate a remittance transaction to the blockchain system under the instruction of the user, so that the blockchain system can transfer the remittance amount from the first blockchain account to the remittance amount according to the remittance amount contained in the remittance transaction.
  • the equivalent available balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
  • the first remittance agency can also send off-chain assets to the asset issuer, so that the asset issuer sends a corresponding repayment transaction to the blockchain system;
  • the available liability assets equal to the above-mentioned off-chain assets are deducted.
  • the asset issuer helps the first remittance institution to realize the remittance operation, therefore, the asset issuer can also collect certain interest from the first remittance institution.
  • the blockchain system can calculate the available liability assets corresponding to the repayment time based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction.
  • Debt interest and record the calculated debt interest in the first blockchain account.
  • the asset issuer also needs to issue its own interest assets in the blockchain system.
  • the amount of the interest assets is equal to the liability interest recorded in the first blockchain account, and is recorded in the asset issuer’s corresponding in the third blockchain account.
  • Fig. 6 is a flow chart of another remittance method applied to blockchain nodes according to an exemplary embodiment of this specification.
  • the method may include the following steps: Step 602: In the case of receiving the asset issuance transaction initiated by the asset issuer, according to the asset amount of the first remittance institution's advance to the asset issuer included in the asset issuance transaction, As well as the credit line of the first remittance institution, the balance assets to be distributed and the liability assets to be distributed are issued in the block chain system to which they belong; wherein, the balance assets to be distributed are equal to the sum of the amount of the advance asset and the credit line, The liability assets to be distributed are equal to the credit line.
  • the balance assets to be distributed are issued based on the advance assets of the first remittance institution at the asset issuer and the credit line of the first remittance institution; while the liability assets to be distributed are still based on the credit The amount is issued.
  • the balance assets to be distributed and liability assets to be distributed are allocated to the first blockchain account corresponding to the first remittance institution, the allocated available balance assets are also changed to be no greater than the advance asset and credit line The total amount; the allocated available liability assets are still not greater than the credit line.
  • Step 606 In the case of receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfer the amount equal to the amount indicated in the remittance transaction available in the first block chain account to The balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
  • the first remittance institution can conduct remittance operations based on the on-chain assets in the first blockchain account. Specifically, the first remittance agency can initiate a remittance transaction to the blockchain node under the instruction of the user, so that the blockchain node can transfer the remittance amount from the first blockchain account to the remittance amount according to the remittance amount contained in the remittance transaction. The equivalent available balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
  • the first remittance agency can also send off-chain assets to the asset issuer, so that the asset issuer sends a corresponding repayment transaction to the blockchain node; after the blockchain node receives the repayment transaction, the interface starts from the first In a blockchain account, the available liability assets equal to the above-mentioned off-chain assets are deducted.
  • the asset issuer helps the first remittance institution to realize the remittance operation, therefore, the asset issuer can also collect certain interest from the first remittance institution. Specifically, based on the time when the first blockchain account receives the available liability assets, and the repayment time when the blockchain system receives the repayment transaction, the blockchain node can calculate the available liability assets corresponding to the repayment time Debt interest, and record the calculated debt interest in the first blockchain account. Correspondingly, the asset issuer also needs to issue its own interest assets in the blockchain system. The amount of the interest assets is equal to the liability interest recorded in the first blockchain account, and is recorded in the asset issuer’s corresponding in the third blockchain account.
  • the amount of the balance assets to be distributed issued in this embodiment is equal to "the sum of the credit line of the first remittance institution and the advance assets of the first remittance institution at the asset issuer", correspondingly, the first The upper limit of the available balance assets that can be allocated to the blockchain account has also risen to "the sum of the credit line of the first remittance institution and the advance assets of the first remittance institution at the asset issuer.”
  • the available balance assets allocated in the first blockchain account are the assets on the chain that can be used for remittance. It can be seen that this embodiment increases the upper limit of the remittance amount compared with the method of issuing on-chain assets only through the credit line.
  • Fig. 7 is an interaction diagram of another remittance method based on a blockchain system shown in an exemplary embodiment of this specification.
  • the method may include the following steps: Step 701, the remittance institution A sends off-chain assets to the asset issuer C as an advance asset.
  • remittance institution A can send a certain amount of off-chain assets to asset issuer C as an advance asset for issuing on-chain assets.
  • Step 702 the asset issuer C conducts a risk assessment on the remittance institution A.
  • Step 703 the asset issuer C generates an asset issuance transaction based on the evaluated credit line and the amount of advance assets.
  • a corresponding asset issuance transaction can be generated based on the amount of the advance asset and the credit line, so as to issue the on-chain assets in the blockchain system X.
  • step 701 the amount of advance assets sent by remittance institution A to asset issuer C is 700, and the credit line obtained through risk assessment in step 702 is 2000, then, in this step, the blockchain System X can issue 2700 balance assets to be distributed and 2000 liability assets to be distributed.
  • the balance assets to be distributed and the liability assets to be distributed can only be allocated to the blockchain account a corresponding to the remittance institution A, but asset allocation will only be performed when an asset credit transaction is received operation.
  • the issued blockchain transaction can be recorded in the blockchain account c corresponding to the asset issuer C.
  • the assets recorded in each blockchain account are as follows in Table 8:
  • object blockchain account balance assets Liability assets Remittance institution A account a 0 0 Remittance institution B account b 0 0 Asset Issuer C account c 2700 2000
  • Step 706 the remittance institution A sends an asset credit request to the asset issuer C.
  • the remittance institution A can make the asset issuer C generate a corresponding asset credit transaction by sending an asset credit request to the asset issuer C, and send the asset credit transaction to the blockchain system X.
  • the blockchain system X can allocate assets according to the credit amount indicated in the asset credit transaction.
  • Step 708 the asset issuer C sends the generated asset credit transaction to the blockchain system X.
  • Step 709 according to the credit amount contained in the asset credit transaction, the blockchain system X allocates the corresponding amount of balance assets to be allocated and liability assets to be allocated to the blockchain account a corresponding to the remittance institution A, as the account a of the remittance institution A. available balance assets and available liability assets.
  • the credit amount included in the asset credit transaction is not greater than the credit line of the remittance institution A and the total amount of the above-mentioned advance assets. In other words, in the above example, the credit amount should not be greater than 2700.
  • the blockchain system X only needs to transfer the balance assets with an amount of 500 to the blockchain account a corresponding to the remittance institution A.
  • the assets recorded in each blockchain account are shown in Table 9:
  • object blockchain account balance assets Liability assets Remittance institution A account a 500 0 Remittance institution B account b 0 0 Asset issuer C account c 2200 2000
  • blockchain system X in addition to transferring the balance assets of 900 to the blockchain account a corresponding to remittance institution A, blockchain system X also needs to transfer the debt of 200 The assets are transferred to the blockchain account a corresponding to the remittance institution A.
  • the assets recorded in each blockchain account are shown in Table 10:
  • object blockchain account balance assets Liability assets Remittance institution A account a 900 200 Remittance institution B account b 0 0 Asset issuer C account c 1800 1800
  • Step 710 remittance institution A sends a remittance transaction to blockchain system X.
  • steps 401-408 have not yet entered the remittance stage, but are doing preparatory work before remittance. After the above preparatory work is completed, the remittance operation can be performed on demand.
  • the operation to be performed by remittance institution A is usually carried out under the instruction of the user. For example, when user 1 needs to remit money to user 2, he can send a remittance request to remittance institution A, so that remittance institution A Generate a corresponding remittance transaction and send it to blockchain system X to instruct blockchain system X to remit.
  • Step 711 blockchain system X transfers the available balance assets in blockchain account a equal to the amount indicated by the remittance transaction to blockchain account b.
  • the blockchain system X after the blockchain system X receives the above-mentioned remittance transaction, it can transfer assets according to the information in it.
  • the remittance transaction includes information such as remittance amount and remittance object.
  • the blockchain system X can transfer the balance assets of 200 in the blockchain account a to the blockchain account b corresponding to the remittance institution B. After the transfer is completed, the assets recorded in each blockchain account are shown in Table 11:
  • object blockchain account balance assets Liability assets Remittance institution A account a 700 200 Remittance institution B account b 200 0 Asset issuer C account c 1800 1800
  • object blockchain account balance assets Liability assets debt interest Remittance institution A account a 700 200 4 Remittance institution B account b 200 0 0
  • Table 12 is just an example of "recording debt interest separately".
  • the asset type of debt interest is a liability asset, it can also be recorded as a liability asset.
  • object blockchain account balance assets Liability assets Remittance institution A account a 700 204 Remittance institution B account b 200 0 Asset issuer C account c 1800 1800
  • object blockchain account balance assets Liability assets debt interest interest assets Remittance institution A account a 700 200 4 0 Remittance institution B account b 200 0 0 0 Asset issuer C account c 1800 1800 0 4
  • Fig. 8 is a schematic structural diagram of a device provided by an exemplary embodiment.
  • the device includes a processor 802 , an internal bus 804 , a network interface 806 , a memory 808 and a non-volatile memory 810 , and of course may also include hardware required by other services.
  • the processor 802 reads a corresponding computer program from the non-volatile memory 810 into the memory 808 and executes it.
  • one or more embodiments of this specification do not exclude other implementations, such as logic devices or a combination of software and hardware, etc., that is to say, the execution subject of the following processing flow is not limited to each A logic unit, which can also be a hardware or logic device.
  • the issuing unit 901 in the case of receiving the asset issuance transaction initiated by the asset issuer, issues the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which it belongs, and the balance assets to be distributed and the liabilities to be distributed the assets are equal in amount;
  • the credit granting unit 902 according to the asset credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution, allocates the balance assets to be distributed and liabilities to be distributed that do not exceed the credit line of the first remittance institution
  • the assets are allocated to the first blockchain account corresponding to the first remittance institution as the available balance assets and available liability assets corresponding to the first remittance institution, and the amounts of the available balance assets and the available liability assets are equal;
  • the issuance unit 901 is further configured to: in the case of receiving an asset issuance transaction initiated by an asset issuer, issue an asset with the asset issuance amount contained in the asset issuance transaction in the blockchain system to which it belongs.
  • the balance assets to be distributed and the liability assets to be distributed are equal in amount, and the balance assets to be distributed and the liability assets to be distributed can be allocated to the blockchain account corresponding to any remittance institution.
  • a repayment unit 904 that, according to the repayment transaction initiated by the asset issuer after receiving the off-chain asset sent by the first remittance institution, deducts the same amount from the first blockchain account as Available liability assets equivalent to the off-chain assets.
  • a repayment unit 1004 which deducts the repayment transaction from the first block chain account according to the repayment transaction initiated by the asset issuer after receiving the off-chain asset sent by the first remittance institution.
  • Available liability assets equivalent to the above-mentioned off-chain assets.
  • a calculation unit 1005 based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction, calculates the The debt interest corresponding to the debt asset at the repayment time is available, and the debt interest is recorded in the first blockchain account; the interest asset attributable to the asset issuer is issued in the blockchain system to which it belongs, so The amount of the interest asset is equal to the interest on the liability, and is recorded in the third blockchain account corresponding to the asset issuer.
  • a typical implementing device is a computer, which may take the form of a personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media player, navigation device, e-mail device, game control device, etc. desktops, tablets, wearables, or any combination of these.
  • Computer-readable media including both permanent and non-permanent, removable and non-removable media, can be implemented by any method or technology for storage of information.
  • Information may be computer readable instructions, data structures, modules of a program, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Flash memory or other memory technology, Compact Disc Read-Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic cassettes, disk storage, quantum memory, graphene-based storage media or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by computing devices.
  • computer-readable media excludes transitory computer-readable media, such as modulated data signals and carrier waves.
  • first, second, third, etc. may be used in one or more embodiments of the present specification to describe various information, the information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, without departing from the scope of one or more embodiments of this specification, first information may also be called second information, and similarly, second information may also be called first information. Depending on the context, the word “if” as used herein may be interpreted as “at” or "when” or "in response to a determination.”

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Abstract

Provided in one or more embodiments of the present application are a blockchain system-based remittance method and an apparatus. The method comprises: an asset issuer issues balance assets to be distributed and debt assets to be distributed in a blockchain system, the balance assets to be distributed and the debt assets to be distributed being a same amount; the asset issuer distributes the debt assets to be distributed and the balance assets to be distributed not exceeding a credit amount of a first remittance institution to a first blockchain account corresponding to the first remittance institution, so as to serve as available balance assets and available debt assets corresponding to the first remittance institution, the available balance assets and the available debt assets being a same amount; the first remittance institution sends to the blockchain system a remittance transaction used for indicating to execute a remittance to a second remittance institution, so as to cause the blockchain system to transfer available balance assets in the first blockchain account equivalent to an amount indicated in the remittance transaction to a second blockchain account corresponding to the second remittance institution.

Description

基于区块链***汇款的方法及装置Method and device for remittance based on block chain system 技术领域technical field
本说明书一个或多个实施例涉及区块链技术领域，尤其涉及一种基于区块链***的汇款方法及装置。One or more embodiments of this specification relate to the field of blockchain technology, and in particular to a method and device for remittance based on a blockchain system.
背景技术Background technique
区块链技术(也被称为，分布式账本技术)是一种去中心化的分布式数据库技术，具有去中心化、公开透明、不可篡改、可信任等多种特点，适用于诸多对数据可靠性具有高需求的应用场景中。鉴于上述优势，相关技术将区块链技术应用于汇款这一场景，以通过链上资产转移实现汇款机构之间的汇款，进而保证汇款过程的可靠性。Blockchain technology (also known as distributed ledger technology) is a decentralized distributed database technology, which has many characteristics such as decentralization, openness and transparency, non-tamperable, and trustworthy, and is suitable for many In application scenarios with high reliability requirements. In view of the above advantages, related technologies apply blockchain technology to the remittance scenario to realize remittance between remittance institutions through asset transfer on the chain, thereby ensuring the reliability of the remittance process.
然而，在相关技术中，通常采用垫资方式实现汇款机构之间的汇款。该方式需要汇款机构预先向资产发行方发送一定的链下资产作为垫资资产，以使资产发行方可以根据该垫资资产的数额在区块链***中发行相应数量的链上资产，以供汇款机构用于汇款。不难理解的是，该方式不仅涉及到链上资产与链下资产的对账问题，且由于汇款机构资金流动性较强，导致汇款机构没有足够链下资产进行垫资，进而造成汇款操作无法进行的问题。However, in related technologies, the method of advancing funds is usually used to realize remittance between remittance institutions. This method requires the remittance institution to send a certain amount of off-chain assets to the asset issuer in advance as an advance asset, so that the asset issuer can issue a corresponding amount of on-chain assets in the blockchain system according to the amount of the advance asset. Money transfer agencies are used to send money. It is not difficult to understand that this method not only involves the reconciliation of on-chain assets and off-chain assets, but also due to the strong liquidity of remittance institutions, remittance institutions do not have enough off-chain assets to advance funds, resulting in remittance operations. proceeding question.
发明内容Contents of the invention
有鉴于此，本说明书一个或多个实施例提供一种基于区块链***的汇款方法及装置。In view of this, one or more embodiments of this specification provide a remittance method and device based on a blockchain system.
为实现上述目的，本说明书一个或多个实施例提供技术方案如下：根据本说明书一个或多个实施例的第一方面，提出了一种基于区块链***的汇款方法，包括：资产发行方在区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等；所述资产发行方将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等；第一汇款机构向所述区块链***发送用于指示向第二汇款机构进行汇款的汇款交易，以使所述区块链***将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。In order to achieve the above purpose, one or more embodiments of this specification provide the following technical solutions: According to the first aspect of one or more embodiments of this specification, a remittance method based on a blockchain system is proposed, including: an asset issuer Issue balance assets to be distributed and liability assets to be distributed in the blockchain system, the amount of the balance assets to be distributed and the liability assets to be distributed is equal; the asset issuer will not exceed the credit line of the first remittance institution The balance assets to be distributed and the liability assets to be distributed are allocated to the first blockchain account corresponding to the first remittance institution as the available balance assets and available liability assets corresponding to the first remittance institution, the available balance assets and the The amount of available liability assets is equal; the first remittance institution sends a remittance transaction to the blockchain system to indicate remittance to the second remittance institution, so that the blockchain system will transfer the first blockchain account to the blockchain system, The available balance assets equal to the amount indicated in the remittance transaction are transferred to the second blockchain account corresponding to the second remittance institution.
根据本说明书一个或多个实施例的第二方面，提出了一种基于区块链***的汇款方法，包括：资产发行方根据第一汇款机构在所述资产发行方的垫资资产，以及第一汇款机构的授信额度，在区块链***中发行待分配余额资产和待分配负债资产；其中，所述待分配余额资产与所述垫资资产和授信额度的总和相等，所述待分配负债资产与所述授信额度相等；所述资产发行方将第一数额的待分配余额资产、第二数额的待分配负债资产分配至第一汇款机构对应的第一区块链账户中，以分别作为第一汇款机构对应的可用负债资产和可用余额资产，所述第一数额不大于所述总和，所述第二数额不大于所述授信额度；第一汇款机构向所述区块链***发送用于指示向第二汇款机构进行汇款的汇款交易，以使所述区块链***将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。According to the second aspect of one or more embodiments of the present specification, a method of remittance based on a blockchain system is proposed, including: the asset issuer advances assets to the asset issuer according to the first remittance institution, and the second A credit line of a remittance institution, which issues balance assets to be distributed and liability assets to be distributed in the blockchain system; wherein, the balance assets to be distributed are equal to the sum of the advance asset and the credit line, and the liabilities to be distributed The asset is equal to the credit line; the asset issuer allocates the first amount of undistributed balance assets and the second amount of undistributed liability assets to the first blockchain account corresponding to the first remittance institution, as For the available liability assets and available balance assets corresponding to the first remittance institution, the first amount is not greater than the sum, and the second amount is not greater than the credit line; the first remittance institution sends the payment to the blockchain system In the remittance transaction instructing the remittance to the second remittance institution, the blockchain system will transfer the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second remittance institution In the second blockchain account corresponding to the institution.
根据本说明书一个或多个实施例的第三方面，提出了一种基于区块链***的汇款方法，应用于区块链节点，包括：在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等；根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等；在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。According to the third aspect of one or more embodiments of this specification, a remittance method based on a blockchain system is proposed, which is applied to a blockchain node, including: in the case of receiving an asset issuance transaction initiated by an asset issuer , issue the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which they belong, and the balance assets to be distributed and the liability assets to be distributed are equal in amount; according to the asset issuer receiving the first remittance institution The asset credit transaction initiated in the case of the asset credit request sent will allocate the undistributed balance assets and undistributed liability assets that do not exceed the credit line of the first remittance institution to the first blockchain account corresponding to the first remittance institution , as the available balance asset and available liability asset corresponding to the first remittance institution, the amount of the available balance asset and the available liability asset are equal; after receiving the instruction initiated by the first remittance institution to transfer to the second remittance institution In the case of a remittance transaction of remittance, the available balance asset in the first blockchain account equal to the amount indicated in the remittance transaction is transferred to the second blockchain account corresponding to the second remittance institution.
根据本说明书一个或多个实施例的第四方面，提出了一种基于区块链***的汇款方法，应用于区块链节点，包括：在接收到资产发行方发起的资产发行交易的情况下，根据所述资产发行交易中包含的第一汇款机构在所述资产发行方的垫资资产数额、以及第一汇款机构的授信额度，在所属的区块链***中发行待分配余额资产和待分配负债资产；其中，所述待分配余额资产与所述垫资资产数额和授信额度的总和相等，所述待分配负债资产与所述授信额度相等；根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将第一数额的待分配余额资产、第二数额的待分配负债资产分配至第一汇款机构对应的第一区块链账户中，以分别作为第一汇款机构对应的可用余额资产和可用负债资产，所述第一数额不大于所述总和，所述第二数额不大于所述授信额度；在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。According to the fourth aspect of one or more embodiments of this specification, a blockchain system-based remittance method is proposed, which is applied to blockchain nodes, including: in the case of receiving an asset issuance transaction initiated by an asset issuer , according to the amount of the first remittance institution’s advance assets in the asset issuer included in the asset issuance transaction and the credit line of the first remittance institution, issue the balance assets to be distributed and the assets to be distributed in the blockchain system to which it belongs. Distribution of liability assets; wherein, the balance asset to be distributed is equal to the sum of the amount of the advance asset and the credit line, and the liability asset to be distributed is equal to the credit line; according to the asset issuer receiving the first For an asset credit transaction initiated under the asset credit request sent by a remittance institution, the first amount of balance assets to be distributed and the second amount of liability assets to be distributed are allocated to the first blockchain account corresponding to the first remittance institution, As the available balance assets and available liability assets corresponding to the first remittance institution, the first amount is not greater than the sum, and the second amount is not greater than the credit line; In the case of a remittance transaction instructing remittance to the second remittance institution, transfer the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second remittance institution corresponding to the second remittance institution. in the blockchain account.
根据本说明书一个或多个实施例的第五方面，提出了一种基于区块链***的汇款装置，应用于区块链节点，包括：发行单元，在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等；授信单元，根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等；汇款单元，在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。According to the fifth aspect of one or more embodiments of this specification, a remittance device based on a blockchain system is proposed, which is applied to a blockchain node, including: an issuing unit that receives an asset issuance transaction initiated by an asset issuer In the case of , issue the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which they belong, and the balance assets to be distributed and the liability assets to be distributed are equal in amount; the credit granting unit, according to the For an asset credit transaction initiated upon receipt of an asset credit request sent by the first remittance institution, the balance assets to be distributed and liability assets to be distributed that do not exceed the credit line of the first remittance institution will be allocated to the first remittance institution’s corresponding No. In a blockchain account, as the available balance asset and available liability asset corresponding to the first remittance institution, the amount of the available balance asset and the available liability asset are equal; the remittance unit, after receiving the first remittance institution initiated In the case of a remittance transaction indicating remittance to a second remittance institution, the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction are transferred to the second remittance institution corresponding to the second remittance institution. In the second blockchain account.
根据本说明书一个或多个实施例的第六方面，提出一种基于区块链***的汇款装置，应用于区块链节点，包括：发行单元，在接收到资产发行方发起的资产发行交易的情况下，根据所述资产发行交易中包含的第一汇款机构在所述资产发行方的垫资资产数额、以及第一汇款机构的授信额度，在所属的区块链***中发行待分配余额资产和待分配负债资产；其中，所述待分配余额资产与所述垫资资产数额和授信额度的总和相等，所述待分配负债资产与所述授信额度相等；授信单元，根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将第一数额的待分配余额资产、第二数额的待分配负债资产分配至第一汇款机构对应的第一区块链账户中，以分别作为第一汇款机构对应的可用余额资产和可用负债资产，所述第一数额不大于所述总和，所述第二数额不大于所述授信额度；汇款单元，在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。According to the sixth aspect of one or more embodiments of this specification, a remittance device based on a blockchain system is proposed, which is applied to a blockchain node, including: an issuing unit that receives an asset issuance transaction initiated by an asset issuer In this case, according to the amount of the first remittance institution’s advances to the asset issuer included in the asset issuance transaction and the credit line of the first remittance institution, the remaining assets to be distributed will be issued in the blockchain system to which it belongs and the liability assets to be distributed; wherein, the balance assets to be distributed are equal to the sum of the advance asset amount and the credit line, and the liability assets to be distributed are equal to the credit line; the credit unit, according to the asset issuer An asset credit transaction initiated upon receiving the asset credit request sent by the first remittance institution, and allocate the first amount of balance assets to be distributed and the second amount of liability assets to be distributed to the first district corresponding to the first remittance institution In the block chain account, as the available balance assets and available liability assets corresponding to the first remittance institution, the first amount is not greater than the sum, and the second amount is not greater than the credit line; the remittance unit, when receiving In the case of a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfer the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to In the second blockchain account corresponding to the second remittance institution.
根据本说明书一个或多个实施例的第七方面，提出了一种电子设备，包括：处理器；用于存储处理器可执行指令的存储器；其中，所述处理器通过运行所述可执行指令以实现如第三方面和第四方面中任一项所述的方法。According to a seventh aspect of one or more embodiments of the present specification, an electronic device is provided, including: a processor; a memory for storing processor-executable instructions; wherein, the processor executes the executable instructions To realize the method as described in any one of the third aspect and the fourth aspect.
根据本说明书一个或多个实施例的第八方面，提出了一种计算机可读存储介质，其上存储有计算机指令，该指令被处理器执行时实现如第三方面和第四方面中任一项所述方法的步骤。According to an eighth aspect of one or more embodiments of the present specification, a computer-readable storage medium is provided, on which computer instructions are stored, and when the instructions are executed by a processor, any one of the third aspect and the fourth aspect can be realized. steps of the method described in the item.
附图说明Description of drawings
图1是一示例性实施例提供的一种基于垫资方式实现的汇款方法的示意图。Fig. 1 is a schematic diagram of a remittance method based on an advance fund method provided by an exemplary embodiment.
图2是一示例性实施例提供的一种基于区块链***的汇款方法的流程图。Fig. 2 is a flowchart of a remittance method based on a blockchain system provided by an exemplary embodiment.
图3是一示例性实施例提供的一种应用于区块链节点的汇款方法的流程图。Fig. 3 is a flowchart of a remittance method applied to blockchain nodes provided by an exemplary embodiment.
图4是一示例性实施例提供的一种基于区块链***的汇款方法的交互图。Fig. 4 is an interaction diagram of a remittance method based on a blockchain system provided by an exemplary embodiment.
图5是一示例性实施例提供的另一种基于区块链***的汇款方法的流程图。Fig. 5 is a flowchart of another remittance method based on a blockchain system provided by an exemplary embodiment.
图6是一示例性实施例提供的另一种应用于区块链节点的汇款方法的流程图。Fig. 6 is a flow chart of another remittance method applied to blockchain nodes provided by an exemplary embodiment.
图7是一示例性实施例提供的另一种基于区块链***的汇款方法的交互图。Fig. 7 is an interaction diagram of another remittance method based on a blockchain system provided by an exemplary embodiment.
图8是一示例性实施例提供的一种设备的结构示意图。Fig. 8 is a schematic structural diagram of a device provided by an exemplary embodiment.
图9是一示例性实施例提供的一种基于区块链***的汇款装置的框图。Fig. 9 is a block diagram of a remittance device based on a blockchain system provided by an exemplary embodiment.
图10是一示例性实施例提供的另一种基于区块链***的汇款装置的框图。Fig. 10 is a block diagram of another remittance device based on a blockchain system provided by an exemplary embodiment.
具体实施方式Detailed ways
汇款亦称“汇付”，是国际结算支付方式之一，指的是：付款方通过第三者(如银行)使用各种结算工具，主动将款项汇付给收款方的一种业务处理方式。该业务处理方式由于涉及到各方的切身利益，因此，对处理过程的可靠性要求较高。Remittance, also known as "remittance", is one of the payment methods for international settlement, and refers to a business process in which the payer actively remits money to the payee through a third party (such as a bank) using various settlement tools Way. Since this business processing method involves the vital interests of all parties, it requires high reliability of the processing process.
区块链技术(也被称为，分布式账本技术)是一种去中心化的分布式数据库技术，具有去中心化、公开透明、不可篡改、可信任等多种特点，适用于诸多对数据可靠性具有高需求的应用场景中。Blockchain technology (also known as distributed ledger technology) is a decentralized distributed database technology, which has many characteristics such as decentralization, openness and transparency, non-tamperable, and trustworthy, and is suitable for many In application scenarios with high reliability requirements.
因此，相关技术中将区块链技术应用于汇款这一场景，以通过链上资产的转移实现汇款机构之间的汇款，进而保证汇款过程的可靠性。然而，在相关技术中通常通过垫资的方式，实现汇款机构之间的资产转移。具体过程可参考图1：如图1所示，第一汇款机构A需要优先向如银行等资产发行方C发送一定数量的链下资产，以使资产发行方A可以基于该链下资产在区块链***X中发行相应数量的链上资产，该链上资产被记录于第一汇款机构A对应的第一区块链账户a中，该过程对应于图1中的步骤①和②，即垫资和资产发行的步骤。在此基础上，当用户1需要通过第一汇款机构A向用户2进行汇款时，即可向第一汇款机构A发送汇款请求，以使第一汇款机构A向区块链***X发送相应的汇款交易，区块链***X在接收到该汇款交易后，即可将第一区块链账户a中相应的链上资产转移至用户2对应的第二汇款机构B的第二区块链账户b中，该过程即可对应于图1中的步骤③和④。第二汇款机构还可以进一步将第二区块链账户b中的链上资产兑换为链下资产，进而将提现得到的链下资产交由用户2，该过程可以对应于图1中的步骤⑤和⑥。Therefore, in related technologies, blockchain technology is applied to the remittance scenario to realize remittance between remittance institutions through the transfer of assets on the chain, thereby ensuring the reliability of the remittance process. However, in related technologies, the transfer of assets between remittance institutions is usually realized by means of advance funds. The specific process can refer to Figure 1: As shown in Figure 1, the first remittance institution A needs to send a certain amount of off-chain assets to asset issuers C such as banks first, so that asset issuer A can use the off-chain assets in the region. A corresponding amount of on-chain assets are issued in the block chain system X, and the on-chain assets are recorded in the first block chain account a corresponding to the first remittance institution A. This process corresponds to steps ① and ② in Figure 1, namely Steps for Advance Funding and Asset Issuance. On this basis, when user 1 needs to remit money to user 2 through the first remittance institution A, he can send a remittance request to the first remittance institution A, so that the first remittance institution A sends the corresponding For remittance transactions, after blockchain system X receives the remittance transaction, it can transfer the corresponding on-chain assets in the first blockchain account a to the second blockchain account of the second remittance institution B corresponding to user 2 In b, this process can correspond to steps ③ and ④ in Figure 1. The second remittance agency can further exchange the on-chain assets in the second blockchain account b into off-chain assets, and then hand over the off-chain assets obtained by withdrawal to user 2. This process can correspond to step ⑤ in Figure 1 and ⑥.
由上述介绍可知，通过垫资的方式，能够实现第一汇款机构A与第二汇款机构B之间的汇款。It can be seen from the above introduction that the remittance between the first remittance institution A and the second remittance institution B can be realized by means of advance funds.
然而，不难看出的是，在通过垫资方式实现汇款的过程中，存在多个弊端，具体如下：(1)需要优先进行链下资产的转移，导致汇款的前期准备工作较多(例如，涉及身份认证、链下资产手续操办等)，降低了汇款的效率。However, it is not difficult to see that there are many disadvantages in the process of remittance through advance funds, as follows: (1) The transfer of off-chain assets needs to be prioritized, resulting in more preliminary preparations for remittances (for example, Involving identity authentication, asset procedures under the chain, etc.), reducing the efficiency of remittances.
(2)进行汇款需要相应的链下资产作为支撑，而汇款机构的链下资产具有较强的流动性，经常无法保留足够的链下资产用于发行链上资产，进而导致汇款无法进行。(2) Remittance requires corresponding off-chain assets as support, and the off-chain assets of remittance institutions have strong liquidity, often unable to retain enough off-chain assets for the issuance of on-chain assets, resulting in the failure of remittances.
(3)由于资产发行方处存储有对应于链上资产的垫资资产，因此，涉及到链上资产与链下资产的对账问题，以避免链上资产与链下资产不相等的情况。(3) Since the asset issuer stores the advance assets corresponding to the assets on the chain, it involves the reconciliation of the assets on the chain and the assets off the chain to avoid the situation that the assets on the chain and the assets off the chain are not equal.
鉴于垫资方式存在上述弊端，本说明书提出了一种基于资产授信的汇款方式，以解决垫资方式下的上述问题。In view of the above-mentioned disadvantages of the advance payment method, this manual proposes a remittance method based on asset credit to solve the above-mentioned problems in the advance payment method.
图2是本说明书一示例性实施例示出的一种基于区块链***的汇款方法的流程图。该方法可以包括以下步骤：步骤202，资产发行方在区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等。Fig. 2 is a flow chart of a remittance method based on a blockchain system shown in an exemplary embodiment of this specification. The method may include the following steps: Step 202, the asset issuer issues balance assets to be distributed and liability assets to be distributed in the block chain system, and the amounts of the balance assets to be distributed and the liability assets to be distributed are equal.
由上述内容可知，在相关技术中，通过垫资方式实现基于区块链***的汇款。由于其需要预先垫资发行链上资产，因此导致了诸如汇款效率较低、汇款操作无法进行等问题；同时，由于垫资方式在资产发行方处存储有垫资资产，且基于此在链上发行的链上资产均为余额资产，为避免链上资产与链下资产不对等的情况，相关技术中还涉及链上资产与链下资产的对账问题。It can be seen from the above that, in related technologies, the remittance based on the blockchain system is realized by means of advance funds. Because it needs to issue assets on the chain in advance, it leads to problems such as low remittance efficiency and inability to carry out remittance operations; The assets on the chain issued are all balance assets. In order to avoid the unequal situation between the assets on the chain and the assets off the chain, the related technology also involves the reconciliation of the assets on the chain and the assets off the chain.
有鉴于此，本说明书不再采用垫资方式实现基于区块链***的汇款，而是通过授信的方式实现。具体的，资产发行方可以在区块链***中发行等额的待分配余额资产和待 分配负债资产，而发行的待分配余额资产和待分配负债资产则可以根据汇款机构的授信情况被分配给汇款机构对应的区块链账户，以作为该汇款机构对应的可用余额资产和可用负债资产。其中，可用余额资产用于在需要进行汇款时完成汇款操作，而可用负债资产则用于记录汇款机构所需偿还的链下资产。In view of this, this manual no longer uses the method of advance capital to realize the remittance based on the blockchain system, but realizes it through credit. Specifically, the asset issuer can issue an equal amount of undistributed balance assets and undistributed liability assets in the blockchain system, and the undistributed undistributed balance assets and undistributed liability assets can be allocated to the remittance institution according to the credit status of the remittance institution. The blockchain account corresponding to the institution is used as the available balance asset and available liability asset corresponding to the remittance institution. Among them, the available balance asset is used to complete the remittance operation when remittance is required, and the available liability asset is used to record the off-chain assets that the remittance institution needs to repay.
应当理解的是，由于本说明书在区块链***中发行的链上资产包含：等额的待分配负债资产和待分配余额资产，使得本说明书在区块链***中发行的链上资产的总额为0，因此，无需在汇款机构在资产发行方处进行垫资，规避了相关技术中需要预先垫资导致的汇款效率低、以及无法进行汇款的问题。相应的，由于发行的链上资产总额为0，资产发行方处也不存在与链上资产对应的链下资产，因此，不会涉及链上资产与链下资产的对账问题。It should be understood that since the on-chain assets issued in this specification in the blockchain system include: equal amounts of liabilities assets to be distributed and balance assets to be distributed, the total amount of on-chain assets issued in this specification in the blockchain system is 0, therefore, there is no need for the remittance institution to advance funds at the asset issuer, which avoids the problems of low remittance efficiency and inability to remit due to the need to advance funds in related technologies. Correspondingly, since the total amount of on-chain assets issued is 0, and the asset issuer does not have off-chain assets corresponding to on-chain assets, there will be no reconciliation between on-chain assets and off-chain assets.
进一步的，由于本说明书中的资产发行方是根据汇款机构的授信情况，将待分配余额资产和待分配负债资产分配给汇款机构对应的区块链账户。该过程相当于是根据资产发行方对汇款机构的信任程度，预先将相应数额的链上资产交由汇款机构用于汇款，再在后续过程中(如汇款机构资金充足时)由汇款机构根据自身区块链账户中记录的可用负债资产进行偿还。在实际操作中，资产发行方可预先确定出汇款机构的授信额度，并在将待分配余额资产和待分配负债资产分配给汇款机构对应的账户时，保证分配的资产数额不超过该授信额度。如此，本说明书便可保证分配给汇款机构的链上资产不会超过其还款能力，进而避免汇款机构负责的汇款数额过高，导致汇款机构无法偿还的问题。Furthermore, since the asset issuer in this specification allocates the balance assets to be distributed and the liability assets to be distributed to the blockchain account corresponding to the remittance institution based on the credit status of the remittance institution. This process is equivalent to handing over the corresponding amount of assets on the chain to the remittance institution for remittance according to the trust degree of the asset issuer in the remittance institution, and then in the subsequent process (for example, when the remittance institution has sufficient funds), the remittance institution according to its own area The available liability assets recorded in the block chain account are repaid. In actual operation, the asset issuer can pre-determine the credit line of the remittance institution, and when allocating the balance assets to be distributed and the liability assets to be distributed to the accounts corresponding to the remittance institution, ensure that the amount of allocated assets does not exceed the credit line. In this way, this manual can ensure that the on-chain assets allocated to the remittance institution will not exceed its repayment ability, thereby avoiding the problem that the remittance institution cannot repay due to the excessive remittance amount that the remittance institution is responsible for.
步骤204，所述资产发行方将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等。 Step 204, the asset issuer allocates the balance assets to be distributed and the liability assets to be distributed that do not exceed the credit line of the first remittance institution to the first blockchain account corresponding to the first remittance institution, as the first remittance institution Corresponding available balance assets and available liability assets, the amounts of the available balance assets and the available liability assets are equal.
在对本说明书的技术方案进行介绍之前，首先解释本说明书的命名方式：在本说明书中，将发起汇款的汇款机构称作第一汇款机构；将接收汇款的汇款机构称作第二汇款机构；而将负责发行链上资产以用于汇款的对象则称作资产发行方，该对象可以为任一类型的可进行链上资产发行的机构，例如，可以为银行。Before introducing the technical solution of this manual, first explain the naming method of this manual: In this manual, the remittance institution that initiates the remittance is called the first remittance institution; the remittance institution that receives the remittance is called the second remittance institution; and The object that will be responsible for issuing assets on the chain for remittance is called the asset issuer. This object can be any type of institution that can issue assets on the chain, for example, it can be a bank.
在本说明书中，资产发行方可根据实际需求采用不同的方式进行链上资产的发行。In this specification, asset issuers can issue assets on the chain in different ways according to actual needs.
在一实施例中，资产发行方可按照第一汇款机构的授信额度，在区块链***中发行与该授信额度相等的待分配余额资产和待分配负债资产，且所发行的待分配余额资产和待分配负债资产仅可被分配至第一汇款机构对应的第一区块链账户中。在实际操作中，资产发行方可预先对第一汇款机构进行风险评估，以根据评估结果确定出对应于该第一汇款机构的授信额度。不难理解的是，本实施例相当于资产发行方为第一汇款机构发行“专属于第一汇款机构的链上资产”，以便第一汇款机构用于向其他汇款机构进行汇款。In one embodiment, the asset issuer can issue balance assets and liability assets to be distributed equal to the credit line in the blockchain system according to the credit line of the first remittance institution, and the issued balance assets to be distributed Liabilities and assets to be allocated can only be allocated to the first blockchain account corresponding to the first remittance institution. In actual operation, the asset issuer can conduct a risk assessment on the first remittance institution in advance, so as to determine the credit line corresponding to the first remittance institution based on the evaluation result. It is not difficult to understand that this embodiment is equivalent to that the asset issuer issues “on-chain assets exclusive to the first remittance institution” for the first remittance institution, so that the first remittance institution can use it to remit money to other remittance institutions.
在本实施例的一种情况下，上述专属于第一汇款机构的链上资产可以在完成发行时，便记录于第一汇款机构对应的第一区块链账户中。不难理解的是，该情况相当于在完成“待分配余额资产”和“待分配负债资产”的发行后，直接将全部的“待分配余额资产”和“待分配负债资产”分配给第一汇款机构。In one case of this embodiment, the above-mentioned on-chain assets exclusively belonging to the first remittance institution may be recorded in the first blockchain account corresponding to the first remittance institution when the issuance is completed. It is not difficult to understand that this situation is equivalent to directly allocating all the "balance assets to be distributed" and "liability assets to be distributed" to the first issuer after the completion of the issuance of "balance assets to be distributed" and "liability assets to be distributed". remittance agency.
在本实施例的另一种情况下，上述专属于第一汇款机构的链上资产在完成发行后，可以先不记录于第一区块链账户中，例如，可以先记录于资产发行方对应的第三区块链账户中，或者预设的其他区块链账户中。然后，在资产发行方接收到第一汇款机构发送的资产授信请求时，再根据该请求中指定的资产数额，将与该资产数额相等的待分配余额资产和待分配负债资产转移至第一区块链账户中。在该情况下，上述发行的待分配余额资产和待分配负债资产可以视为是第一汇款机构可用于汇款的链上资产的总额度；而基于资产授信请求分配至第一区块链账户中的待分配余额资产和待分配负债资产，则可视为是第一汇款机构在某个时期所需要的用于汇款的链上资产。举例而言，假设资产发行方根据第一汇款机构的授信额度，在区块链***中发行的链上资产数额为2000，那么，第一汇款机构可以按照每天500的资产数额向资产发行方发送资产授信请求，以使资产 发行方通过向区块链***发起授信交易的方式，指示区块链***将数额为500的待分配余额资产和待分配负债资产转移至第一区块链账户中。当然，在实际应用中，资产授信的过程也可以由资产发行方主动发起，而不是在第一汇款机构的指示下被动进行，例如，资产发行方可以按照预设时间周期主动向区块链***发送资产授信交易，以指示区块链***将相应数量的待分配余额资产和待分配负债资产转移至上述第一区块链账户中。In another case of this embodiment, after the issuance of the above-mentioned on-chain assets exclusively belonging to the first remittance institution, it may not be recorded in the first blockchain account, for example, it may first be recorded in the corresponding account of the asset issuer. In the third blockchain account, or in other preset blockchain accounts. Then, when the asset issuer receives the asset credit request sent by the first remittance institution, according to the asset amount specified in the request, the balance asset to be distributed and the liability asset to be distributed equal to the amount of the asset are transferred to the first zone in the blockchain account. In this case, the balance assets to be distributed and liability assets to be distributed issued above can be regarded as the total amount of on-chain assets that can be used by the first remittance institution for remittance; and are allocated to the first blockchain account based on the asset credit request The balance assets to be distributed and liability assets to be distributed can be regarded as the on-chain assets needed by the first remittance institution for remittance in a certain period. For example, assuming that the asset issuer issues 2,000 on-chain assets in the blockchain system based on the credit line of the first remittance institution, then the first remittance institution can send 500 assets per day to the asset issuer. Asset credit request, so that the asset issuer instructs the blockchain system to transfer 500 balance assets to be distributed and liability assets to be distributed to the first blockchain account by initiating a credit transaction to the blockchain system. Of course, in practical applications, the asset credit process can also be initiated by the asset issuer instead of passively under the instructions of the first remittance agency. Send an asset credit transaction to instruct the blockchain system to transfer the corresponding amount of balance assets to be distributed and liability assets to be distributed to the above-mentioned first blockchain account.
在另一实施例中，资产发行方发行的链上资产可以不归属于任一汇款机构。换言之，资产发行方在区块链***中发行的待分配余额资产和待分配负债资产，可以被分配至任一汇款机构对应的区块链账户中。In another embodiment, the on-chain assets issued by the asset issuer may not belong to any remittance institution. In other words, the balance assets to be distributed and liability assets to be distributed issued by the asset issuer in the blockchain system can be allocated to the blockchain account corresponding to any remittance institution.
与上一实施例相类似的是，本实施例中的资产发行方可以在接收到第一汇款机构发送的资产授信请求时，根据该请求中指定的资产数额，将与该资产数额相等的待分配余额资产和待分配负债资产转移至第一区块链账户中。具体的，可以由资产发行方向区块链***发送资产授信交易的方式，指示区块链***将相应数额的待分配余额资产和待分配负债资产转移至第一区块链账户中。当然，也可以由资产发行方主动发起资产授信的过程，具体操作方式与上一实施例类似，在此不再赘述。Similar to the previous embodiment, when the asset issuer in this embodiment receives the asset credit request sent by the first remittance institution, according to the asset amount specified in the request, The distribution balance assets and the liabilities assets to be distributed are transferred to the first blockchain account. Specifically, the asset issuer can send an asset credit transaction to the blockchain system, instructing the blockchain system to transfer the corresponding amount of balance assets to be distributed and liability assets to be distributed to the first blockchain account. Of course, the asset issuer can also actively initiate the asset credit process, and the specific operation method is similar to the previous embodiment, and will not be repeated here.
应当理解的是，上述两个实施例介绍的两种资产发行方式具有各自的优势。其中，前者中的资产发行方可以为各个汇款机构独立发行链上资产，进而实现专款专用，便于后续追溯；而后者中的资产发行方则为各个汇款机构统一发行链上资产，单次发行的链上资产可以被多个汇款机构同时使用，一方面减少了发行次数，另一方面，避免了前者由于为各个汇款机构单独发行链上资产而造成的难以统筹管理的问题。It should be understood that the two asset issuance methods introduced in the above two embodiments have their own advantages. Among them, the asset issuer in the former can independently issue the assets on the chain for each remittance institution, so as to realize the special purpose and facilitate subsequent traceability; while the asset issuer in the latter will uniformly issue the assets on the chain for each remittance institution. Assets on the chain can be used by multiple remittance institutions at the same time. On the one hand, the number of issuances is reduced, and on the other hand, it avoids the problem of difficult overall management caused by the former’s separate issuance of assets on the chain for each remittance institution.
步骤206，第一汇款机构向所述区块链***发送用于指示向第二汇款机构进行汇款的汇款交易，以使所述区块链***将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。 Step 206, the first remittance institution sends to the blockchain system a remittance transaction indicating remittance to the second remittance institution, so that the blockchain system will transfer the first blockchain account to the remittance The available balance assets equal to the amount indicated in the transaction are transferred to the second blockchain account corresponding to the second remittance institution.
在本说明书中，在完成前述资产发行和资产授信(即在资产发行方的指示下，将链上资产转移至第一区块链账户)的过程之后，第一汇款机构即可基于第一区块链账户中的链上资产进行汇款。In this specification, after completing the aforementioned process of asset issuance and asset credit (that is, under the instruction of the asset issuer, the assets on the chain are transferred to the first blockchain account), the first remittance institution can Assets on the chain in the blockchain account for remittance.
在实际操作中，第一汇款机构可以在用户的指示下，向区块链***发起汇款交易，以使区块链***根据汇款交易中包含的汇款数额，将第一区块链账户中与该汇款数额相等的可用余额资产转移至第二汇款机构对应的第二区块链账户中。In actual operation, the first remittance agency can initiate a remittance transaction to the blockchain system under the instruction of the user, so that the blockchain system will transfer the remittance amount in the first blockchain account to the blockchain system according to the remittance amount contained in the remittance transaction. The available balance assets with the same remittance amount are transferred to the second blockchain account corresponding to the second remittance institution.
应当理解的是，在完成该链上资产转移操作之后，第一汇款机构和第二汇款机构的链下资产均没有变化，但第一汇款机构在区块链***中的链上总资产为“与汇款数额相等的可用负债资产”，第二汇款机构在区块链***中的链上总资产为“与汇款数额相等的可用余额资产”。换言之，第一汇款机构的总资产(包括链上资产和链下资产)减少了“与汇款数额相等的数额”，第二汇款机构的总资产(包括链上资产和链下资产)增加了“与汇款数额相等的数额”。可见，在完成上述资产转移操作之后，已经完成了第一汇款机构至第二汇款机构的汇款。It should be understood that after the asset transfer operation on the chain is completed, the off-chain assets of the first remittance institution and the second remittance institution have not changed, but the total assets on the chain of the first remittance institution in the blockchain system are " Available liability assets equal to the remittance amount", the total assets on the chain of the second remittance institution in the blockchain system are "available balance assets equal to the remittance amount". In other words, the total assets of the first remittance agency (including on-chain assets and off-chain assets) are reduced by "an amount equal to the remittance amount", and the total assets of the second remittance agency (including on-chain assets and off-chain assets) are increased by " an amount equal to the remittance amount". It can be seen that after the above asset transfer operation is completed, the remittance from the first remittance institution to the second remittance institution has been completed.
在本说明书中，上述资产授信的过程相当于是第一汇款机构通过自身的信用换取了链上资产，而第一区块链账户中记录的可用负债资产，则正是用于记录第一汇款机构在换取该链上资产后，所需偿还的链下资产。因此，本说明书还可以包括第一汇款机构向资产发行方进行还款的操作。In this specification, the above asset credit process is equivalent to the first remittance institution exchanging its own credit for assets on the chain, and the available liability assets recorded in the first blockchain account are used to record the assets of the first remittance institution. After the assets on the chain are exchanged, the off-chain assets that need to be repaid. Therefore, this specification may also include the operation of the first remittance institution repaying the asset issuer.
在实际操作中，第一汇款机构可以将用于还款的链下资产发送至资产发行方，资产发行方在接收到该链下资产后，即可生成相应的还款交易，并发送至区块链***，以指示区块链***从第一区块链账户中，扣除与上述链下资产等额的可用负债资产。不难理解的是，通过该方式，第一汇款机构可以根据自身的资金流情况，适时向资产发行方进行还款，进而保证自己在资产发行方处的信誉，以保持自身与资产发行方的长期合作。In actual operation, the first remittance institution can send the off-chain assets used for repayment to the asset issuer. After receiving the off-chain assets, the asset issuer can generate a corresponding repayment transaction and send it to the district The block chain system to instruct the block chain system to deduct the available liability assets equal to the above-mentioned off-chain assets from the first block chain account. It is not difficult to understand that through this method, the first remittance institution can timely repay the asset issuer according to its own capital flow, thereby ensuring its reputation with the asset issuer and maintaining its relationship with the asset issuer. Long-term cooperation.
在本说明书中，资产发行方协助第一汇款机构实现了基于区块链***的汇款操作，因此，资产发行方还可以从第一汇款机构处收取一定的利息。具体的，区块链***可以 在将待分配余额资产和待分配负债资产分配至第一区块链***后，根据第一区块链账户中记录的可用负债资产的数额，以及记录该可用负债资产的时长，计算该可用负债资产在不同时刻对应的负债利息。其中，该负债利息与上述时长、上述可用负债资产的数额均呈正相关。举例而言，在第一区块链账户接收到可用余额资产和可用负债资产后，区块链***即可在每日的特定时间，根据可用负债资产的数额，以及从第一区块链账户接收到可用负债资产的那日直至当日的天数，计算当日对应的负债利息。In this specification, the asset issuer assists the first remittance institution to realize the remittance operation based on the blockchain system. Therefore, the asset issuer can also collect certain interest from the first remittance institution. Specifically, after the blockchain system allocates the balance assets to be distributed and the liability assets to be distributed to the first blockchain system, it can record the available liability assets according to the amount of the available liability assets recorded in the first blockchain account. The duration of the asset, and calculate the liability interest corresponding to the available liability asset at different times. Among them, the interest on the liability is positively correlated with the above-mentioned duration and the amount of the above-mentioned available liability assets. For example, after the first blockchain account receives available balance assets and available liability assets, the blockchain system can, at a specific time every day, according to the amount of available liability assets, and from the first blockchain account The number of days from the day when the available liability assets are received to the current day, and the corresponding liability interest on that day is calculated.
相应的，当区块链***接收到还款交易时，即可基于第一区块链账户接收到可用负债资产的时间，以及所述区块链***接收到还款交易的还款时间，计算可用负债资产在还款时间对应的负债利息，并将该负债利息记录于第一区块链账户中，以表明第一汇款机构除了需要按照可用负债资产的数额向资产发行方进行还款以外，还需支付与负债利息的数额相等的链下资产，以作为支付给资产发行方的利息。Correspondingly, when the blockchain system receives the repayment transaction, it can calculate based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction. The debt interest corresponding to the available debt assets at the time of repayment, and record the debt interest in the first blockchain account to indicate that the first remittance institution needs to repay the asset issuer in accordance with the amount of the available debt assets. It is also necessary to pay off-chain assets equal to the amount of debt interest as interest paid to the asset issuer.
应当理解的是，若仅在第一区块链账户中记录负债利息，区块链***中记录的总资产显然不再为0，而资产发行方的链下资产却仍为0，这显然违背了链上资产的发行原则(链上资产和链下资产数额应当相等的原则)。因此，在本说明书中，资产发行方还需进一步在区块链***中发行与该负债利息数额相等的利息资产，由于负债利息的资产类型属于负债资产，而利息资产的资产类型则属于余额资产，使得在发行利息资产后，保证了链上总资产仍为0，符合了链上资产的发行原则。需要声明的是，该利息资产可以视为资产发行方维护链上资产、以及协助第一汇款机构进行汇款的报酬，因此，发行的上述利息资产归属于资产发行方，被记录于资产发行方对应的第三区块链账户中。需要声明的是，该资产利息既可以在接收到资产发行方的指示下再发行，或者由区块链***在计算得到负债利息后主动发行。It should be understood that if only the debt interest is recorded in the first blockchain account, the total assets recorded in the blockchain system will obviously no longer be 0, while the off-chain assets of the asset issuer are still 0, which obviously violates the The principle of issuing assets on the chain (the principle that the amount of assets on the chain and assets off the chain should be equal). Therefore, in this specification, the asset issuer needs to further issue interest assets equal to the amount of interest on the liability in the blockchain system, because the asset type of liability interest belongs to liability assets, while the asset type of interest assets belongs to balance assets , so that after the issuance of interest assets, the total assets on the chain are still guaranteed to be 0, which conforms to the principle of asset issuance on the chain. It needs to be declared that the interest assets can be regarded as the remuneration for the asset issuer to maintain the assets on the chain and assist the first remittance agency in remittance. Therefore, the above-mentioned interest assets issued belong to the asset issuer and are recorded in the asset issuer’s corresponding in the third blockchain account. What needs to be declared is that the asset interest can be reissued under the instruction of the asset issuer, or issued by the blockchain system after calculating the liability interest.
在本说明书中，在将与汇款交易中的资产数额相等的余额资产转移至第二区块链账户之后，第二区块链账户中记录了相应数额的余额资产。换言之，在完成该资产转移操作后，第二汇款机构的链上资产有所增加。在此基础上，本说明书还可以进一步包括将链上资产兑换为链下资产的过程。In this specification, after the balance asset equal to the asset amount in the remittance transaction is transferred to the second blockchain account, the corresponding amount of balance asset is recorded in the second blockchain account. In other words, after the asset transfer operation is completed, the assets on the chain of the second remittance institution have increased. On this basis, this specification can further include the process of converting on-chain assets into off-chain assets.
在一实施例中，资产发行方可以在完成链上资产转移之后，主动将与汇款交易中包含的资产数额相等的链下资产转移至第二汇款机构，同时通过向区块链***发起资产兑换交易，以指示区块链***从第二区块链账户中扣除相应数额的可用余额资产。In one embodiment, after the asset transfer on the chain is completed, the asset issuer can actively transfer the off-chain assets equal to the amount of assets contained in the remittance transaction to the second remittance institution, and at the same time initiate asset exchange to the blockchain system Transaction to instruct the blockchain system to deduct the corresponding amount of available balance assets from the second blockchain account.
在该实施例中，相当于默认将第二区块链账户中链上资产兑换为链下资产。由于资产发行方将相应数量的链下资产发送给第二汇款机构，资产发行方的链下总资产也可以视为是负债情况，且该数值与链上总资产的负债数值一致。可见，在完成资产兑换之后，链上总资产和链下总资产的数值仍保持一致，符合链上资产的发行原则。In this embodiment, it is equivalent to exchanging on-chain assets in the second blockchain account for off-chain assets by default. Since the asset issuer sends a corresponding amount of off-chain assets to the second remittance institution, the total off-chain assets of the asset issuer can also be regarded as a liability, and this value is consistent with the liability value of the total assets on the chain. It can be seen that after the asset exchange is completed, the value of the total assets on the chain and the total assets off the chain are still consistent, which is in line with the principle of asset issuance on the chain.
在另一实施例中，是否将链上资产兑换为链下资产可由第二汇款机构决定。当第二汇款机构需要将链上资产兑换为链下资产时，可以向区块链***发起资产兑换交易；而区块链***在接收到该资产兑换交易后，即可将第二区块链***中，与该资产兑换交易所指示的兑换数额相等的可用余额资产扣除，进一步的，还可以向资产发行方发送兑换指示，以使资产发行方将相应数量的链下资产汇款至第二汇款机构。In another embodiment, whether to convert on-chain assets to off-chain assets can be determined by the second remittance institution. When the second remittance institution needs to exchange assets on the chain for assets off the chain, it can initiate an asset exchange transaction to the blockchain system; In the system, the available balance assets equal to the exchange amount indicated by the asset exchange exchange are deducted. Further, an exchange instruction can also be sent to the asset issuer so that the asset issuer can remit the corresponding amount of off-chain assets to the second remittance mechanism.
当然，在本实施例中，也可以由资产发行方发起资产兑换交易。具体的，当第二汇款机构需要将链上资产兑换为链下资产时，可以向资产发行方发送资产兑换请求；而资产发行方在接收到该资产兑换请求后，即可生成相应的资产兑换交易，并发送至区块链***，以指示区块链***将第二区块链账户中，与资产兑换交易中指示的兑换数额相等的可用余额资产扣除；相应的，资产发行方在接收到资产兑换请求后，还可以将与该兑换数额相等的链下资产发送至第二汇款机构，以完成整个资产兑换流程。Of course, in this embodiment, the asset exchange transaction can also be initiated by the asset issuer. Specifically, when the second remittance institution needs to exchange assets on the chain for assets off the chain, it can send an asset exchange request to the asset issuer; and the asset issuer can generate the corresponding asset exchange request after receiving the asset exchange request. transaction, and send it to the blockchain system to instruct the blockchain system to deduct the available balance assets equal to the exchange amount indicated in the asset exchange transaction in the second blockchain account; correspondingly, the asset issuer receives After the asset exchange request, off-chain assets equal to the exchange amount can also be sent to the second remittance institution to complete the entire asset exchange process.
需要声明的是，本说明书中的区块链***既可以仅包含单一的区块链网络，也可以包含多个区块链网络。该区块链***既可以采用传统的区块链架构，即区块链***中的所有节点均通过在相应实体设备上部署区块链代码而形成，大多数情况下，每个节点均 对应于一个实体设备；该区块链***也可以采用区块链技术中的BaaS(Blockchain as a Service)架构，即区块链网络中的所有节点均通过云服务在云端实现的虚拟机上部署区块链代码而形成，区块链节点无需一一对应于相应的实体设备。It needs to be declared that the blockchain system in this specification can include only a single blockchain network or multiple blockchain networks. The blockchain system can adopt the traditional blockchain architecture, that is, all nodes in the blockchain system are formed by deploying blockchain codes on corresponding physical devices. In most cases, each node corresponds to A physical device; the blockchain system can also adopt the BaaS (Blockchain as a Service) architecture in blockchain technology, that is, all nodes in the blockchain network deploy blocks on virtual machines implemented in the cloud through cloud services Formed by chain code, blockchain nodes do not need to correspond to corresponding physical devices one by one.
除此之外，还需强调的是，本说明书中的汇款机构可以为任一类型的MTO(Money Transfer Operator，资金转移经营者)，即获得相关组织批准的、可提供资产转移服务的企业或组织。当然，本说明书对其具体形式不作约束，可由本领域技术人员根据实际情况确定。In addition, it should be emphasized that the remittance institution in this specification can be any type of MTO (Money Transfer Operator), that is, an enterprise or company that has been approved by relevant organizations and can provide asset transfer services. organize. Certainly, the description does not impose restrictions on its specific form, which can be determined by those skilled in the art according to actual conditions.
由上述技术方案可知，本说明书中的资产发行方通过在区块链***中同时发行待分配余额资产和待分配负债资产两种链上资产的方式，使得资产发行方发行的链上总资产的数额为0，避免了相关技术在发行区块链资产时，汇款机构必须在资产发行方处进行垫资的情况，进而避免了由于垫资造成的汇款效率较低以及无法进行汇款的情况。同时，由于资产发行方处未存储任何垫资资产，且链上资产总额为0，使得本说明书的技术方案不涉及区块链资产的对账问题。It can be seen from the above technical solution that the asset issuer in this specification simultaneously issues two types of on-chain assets, the balance asset to be distributed and the liability asset to be distributed in the blockchain system, so that the total assets on the chain issued by the asset issuer The amount is 0, which avoids the situation that the remittance institution must advance funds at the asset issuer when the relevant technology issues blockchain assets, thereby avoiding the situation of low remittance efficiency and inability to remit due to advance funds. At the same time, since the asset issuer does not store any advance assets, and the total amount of assets on the chain is 0, the technical solution in this manual does not involve the reconciliation of blockchain assets.
进一步的，本说明书在将发行的链上资产分配给汇款机构对应的区块链账户时，会根据汇款机构的授信情况进行分配，以保证分配给汇款机构对应的区块链账户的待分配余额资产的数额和待分配负债资产的数额均不会超过该汇款机构的授信额度。应当理解的是，该授信额度相当于资产发行方对汇款机构还款能力的一个评估，由于分配给汇款机构对应的区块链账户的待分配余额资产和待分配负债资产的数额均不会超过该值，显然能够保证汇款机构有能力偿还用于发行分配得到的链上资产所需的链下资产，进而保证了资产发行方的利益不受损失。Further, when this manual allocates the issued on-chain assets to the blockchain accounts corresponding to the remittance institutions, they will be allocated according to the credit status of the remittance institutions to ensure that the balance to be allocated to the blockchain accounts corresponding to the remittance institutions Neither the amount of assets nor the amount of liabilities assets to be distributed will exceed the credit line of the remittance institution. It should be understood that the credit line is equivalent to an assessment of the asset issuer's repayment ability of the remittance institution, since the balance assets to be distributed and the amount of liability assets to be distributed allocated to the blockchain account corresponding to the remittance institution will not exceed This value can obviously ensure that the remittance institution has the ability to repay the off-chain assets required to issue the allocated on-chain assets, thus ensuring that the interests of the asset issuer will not be lost.
再进一步的，区块链***还可以在第一汇款机构分配得到链上资产后，计算第一汇款机构在不同时间对应的负债利息，并将该负债利息记录于第一汇款机构对应的第一区块链账户中；相对应的，还可以在区块链***中发行与该负债利息数额相等的利息资产，并将该利息资产记录于资产发行方对应的第三区块链账户中。不难理解的是，由于利息资产的资产类型属于余额资产，负债利息的资产类型属于负债资产，且两者数额相等，使得区块链***中的链上总资产仍为0，与资产发行方中的链下资产数额保持一致。可见，通过生成负债利息和发行利息资产的方式，能够在保证不违背链上资产发行原则的基础上，使资产发送方获得维护链上资产、以及协助第一汇款机构实现汇款应得的报酬。Furthermore, the blockchain system can also calculate the debt interest corresponding to the first remittance institution at different times after the first remittance institution allocates the assets on the chain, and record the debt interest in the corresponding first remittance institution. In the blockchain account; Correspondingly, an interest asset equal to the interest amount of the liability can also be issued in the blockchain system, and the interest asset is recorded in the third blockchain account corresponding to the asset issuer. It is not difficult to understand that since the asset type of interest assets belongs to balance assets, and the asset type of liability interest belongs to liability assets, and the two amounts are equal, the total assets on the chain in the blockchain system are still 0, which is different from that of asset issuers. The amount of assets under the chain remains the same. It can be seen that by generating debt interest and issuing interest assets, the asset sender can obtain the rewards for maintaining the assets on the chain and assisting the first remittance agency to realize the remittance without violating the principle of asset issuance on the chain.
在本说明书中，除了从整个交互流程介绍一种基于授信的链上汇款方式以外，还公开了应用于区块链节点的链上汇款方法。下一实施例的技术方案与图2所示的技术方案一致，只不过从区块链节点的角度对本说明书的技术方案进行说明。因此，在下述实施例中不再对相似内容进行详细介绍，具体操作方式均可参照针对图2的介绍。In this specification, in addition to introducing a credit-based on-chain remittance method from the entire interaction process, it also discloses an on-chain remittance method applied to blockchain nodes. The technical solution of the next embodiment is consistent with the technical solution shown in FIG. 2 , except that the technical solution in this specification is described from the perspective of a blockchain node. Therefore, similar content will not be described in detail in the following embodiments, and the specific operation mode can refer to the introduction to FIG. 2 .
图3是本说明书一示例性实施例示出的一种应用于区块链节点的汇款方法的流程图。该方法可以包括以下步骤：步骤302，在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等。Fig. 3 is a flow chart of a remittance method applied to blockchain nodes according to an exemplary embodiment of this specification. The method may include the following steps: step 302, in the case of receiving the asset issuance transaction initiated by the asset issuer, issue the balance asset to be distributed and the liability asset to be distributed in the blockchain system to which it belongs, and the balance asset to be distributed equal to the amount of the said liability assets to be distributed.
如上所述，资产发行方可以根据实际需求采用不同的方式发行链上资产。在一实施例中，区块链节点可以在接收到资产发行方发起的资产发行交易的情况下，按照资产发行交易中包含的第一汇款机构的授信额度，在所属的区块链***中发行分别与授信额度相等的待分配余额资产和待分配负债资产，该待分配余额资产和该待分配负债资产仅可被分配至第一汇款机构对应的第一区块链账户中。在另一实施例中，区块链节点可以在接收到资产发行方发起的资产发行交易的情况下，按照资产发行交易中包含的发行数额，在所属的区块链***中发行分别与该发行数额相等的待分配余额资产和待分配负债资产，该待分配余额资产和待分配负债资产可被分配至任一汇款机构对应的区块链账户中。As mentioned above, asset issuers can issue assets on the chain in different ways according to actual needs. In an embodiment, when a blockchain node receives an asset issuance transaction initiated by an asset issuer, it can issue an asset in its blockchain system according to the credit line of the first remittance institution included in the asset issuance transaction. The balance assets to be distributed and the liability assets to be distributed that are equal to the credit line respectively, the balance assets to be distributed and the liability assets to be distributed can only be allocated to the first blockchain account corresponding to the first remittance institution. In another embodiment, when a blockchain node receives an asset issuance transaction initiated by an asset issuer, it can issue a transaction corresponding to the issuance amount in the blockchain system to which it belongs according to the issuance amount contained in the asset issuance transaction. Balance assets to be distributed and liability assets to be distributed equal in amount, the balance assets to be distributed and liability assets to be distributed can be allocated to the blockchain account corresponding to any remittance institution.
步骤304，根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将不超过第一汇款机构的授信额度的待分配余额资产和待分配 负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等。 Step 304, according to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, the balance assets to be distributed and liability assets to be distributed that do not exceed the credit line of the first remittance institution , allocated to the first blockchain account corresponding to the first remittance institution as the available balance asset and available liability asset corresponding to the first remittance institution, and the amounts of the available balance asset and the available liability asset are equal.
如上所述，在完成链上资产的发行之后，即可将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产分配至第一汇款机构对应的第一区块链账户中。具体的，分配的数额可由第一汇款机构确定，例如，第一汇款机构可以通过向资产发行方发送资产授信请求的方式，使资产发行方生成相应的资产授信交易，并发送至区块链节点；而区块链节点在接收到该资产授信交易的情况下，即可将与该资产授信交易中包含的资产数额相等的待分配余额资产和待分配负债资产转移至第一区块链账户中。其中，该资产数额不超过第一汇款机构的授信额度。As mentioned above, after the issuance of assets on the chain is completed, the balance assets to be distributed and liability assets to be distributed that do not exceed the credit line of the first remittance institution can be allocated to the first blockchain account corresponding to the first remittance institution . Specifically, the allocated amount can be determined by the first remittance institution. For example, the first remittance institution can send an asset credit request to the asset issuer to make the asset issuer generate a corresponding asset credit transaction and send it to the blockchain node ; and when the blockchain node receives the asset credit transaction, it can transfer the balance assets to be distributed and the liability assets to be distributed equal to the assets contained in the asset credit transaction to the first blockchain account . Among them, the amount of the asset does not exceed the credit limit of the first remittance institution.
步骤306，在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。Step 306: In the case of receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfer the available funds in the first block chain account equal to the amount indicated in the remittance transaction The balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
如上所述，在完成资产发行和资产授信之后，即可基于第一区块链账户中记录的可用余额资产进行汇款。具体的，第一汇款机构可以在用户的指示下，向区块链节点发起汇款交易，以使区块链节点根据汇款交易中包含的汇款数额，将第一区块链账户中与该汇款数额相等的可用余额资产转移至第二汇款机构对应的第二区块链账户中。As mentioned above, after asset issuance and asset credit are completed, remittance can be made based on the available balance assets recorded in the first blockchain account. Specifically, the first remittance agency can initiate a remittance transaction to the blockchain node under the instruction of the user, so that the blockchain node can transfer the remittance amount from the first blockchain account to the remittance amount according to the remittance amount contained in the remittance transaction. The equivalent available balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
如上所述，第一汇款机构可以在有足够链下资产时，将链下资产发送至资产发行方，以进行还款；资产发行方在接收到链下资产后，则可以生成相应的还款交易，并发送至区块链节点；区块链节点则可以根据接收到的还款交易，从第一区块链账户中，扣除与该链下资产等额的可用负债资产。As mentioned above, the first remittance agency can send off-chain assets to the asset issuer for repayment when there are enough off-chain assets; the asset issuer can generate corresponding repayment after receiving the off-chain assets The transaction is sent to the blockchain node; the blockchain node can deduct the available liability assets equal to the assets under the chain from the first blockchain account according to the received repayment transaction.
如上所述，区块链节点还可以基于第一区块链账户接收到可用负债资产的时间，以及区块链节点接收到还款交易的还款时间，计算可用负债资产在该还款时间对应的负债利息，并将该负债利息记录于第一区块链账户中；相应的，区块链节点还可以在所属区块链***中发行归属于资产发行方的利息资产，该利息资产的数额与负债利息相等，且被记录于资产发行方对应的第三区块链账户中。As mentioned above, the blockchain node can also calculate the available liability assets corresponding to the repayment time based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain node receives the repayment transaction. interest on the debt, and record the interest on the debt in the first blockchain account; correspondingly, the blockchain node can also issue interest assets attributable to the asset issuer in the blockchain system to which it belongs, and the amount of the interest assets It is equal to the debt interest and is recorded in the third blockchain account corresponding to the asset issuer.
如上所述，在完成汇款之后，还可以将第二区块链账户中的资产兑换成链下资产。在一实施例中，可以默认将第二区块链账户中的可用余额资产兑换成链下资产，例如，资产发行方可以将与汇款交易中指示的数额相等的链下资产汇款至第二汇款机构之后，可以向区块链节点发送资产兑换交易；而区块链节点可以根据该资产兑换交易从第二区块链账户中扣除相应数额的可用余额资产。在另一实施例中，是否将链上资产兑换为链下资产可由第二汇款机构确定，例如，第二汇款机构可以向区块链节点发起的资产兑换交易，而区块链节点在接收到该资产兑换交易的情况下，可以将第二区块链账户中，与该资产兑换交易所指示的兑换金额相等的余额资产扣除，并向资产发行方发送兑换指示，以使资产发行方将相应数额的链下资产汇款至第二汇款机构；再例如，第二汇款机构可以向资产发行方发送资产兑换请求，以使资产发行方向区块链节点发起相应的资产兑换交易，在此基础上，区块链节点即可将第二区块链账户中，与资产兑换交易中指示的兑换数额相等的可用余额资产扣除；需要注意的是，发送至资产发行方的资产兑换请求还用于指示资产发行方将与上述兑换数额相等的链下资产汇款至第二汇款机构。As mentioned above, after the remittance is completed, the assets in the second blockchain account can also be exchanged for off-chain assets. In one embodiment, the available balance assets in the second blockchain account can be converted into off-chain assets by default. For example, the asset issuer can remit off-chain assets equal to the amount indicated in the remittance transaction to the second remittance After the organization, the asset exchange transaction can be sent to the blockchain node; and the blockchain node can deduct the corresponding amount of available balance assets from the second blockchain account according to the asset exchange transaction. In another embodiment, whether to convert on-chain assets into off-chain assets can be determined by the second remittance institution, for example, the second remittance institution can initiate an asset exchange transaction to the blockchain node, and the blockchain node receives In the case of the asset exchange transaction, the balance assets in the second blockchain account equal to the exchange amount indicated by the asset exchange exchange can be deducted, and an exchange instruction can be sent to the asset issuer, so that the asset issuer will correspondingly Amount of off-chain assets are remitted to the second remittance institution; for another example, the second remittance institution can send an asset exchange request to the asset issuer, so that the asset issuer initiates a corresponding asset exchange transaction to the blockchain node. On this basis, The blockchain node can deduct the available balance assets in the second blockchain account that are equal to the exchange amount indicated in the asset exchange transaction; it should be noted that the asset exchange request sent to the asset issuer is also used to indicate the asset The issuer remits off-chain assets equal to the above exchange amount to the second remittance institution.
由上述技术方案可知，本说明书中的资产发行方通过在区块链***中同时发行待分配余额资产和待分配负债资产两种链上资产的方式，使得资产发行方发行的链上总资产的数额为0，避免了相关技术在发行区块链资产时，汇款机构必须在资产发行方处进行垫资的情况，进而避免了由于垫资造成的汇款效率较低的情况以及无法进行汇款的情况。It can be seen from the above technical solution that the asset issuer in this specification simultaneously issues two types of on-chain assets, the balance asset to be distributed and the liability asset to be distributed in the blockchain system, so that the total assets on the chain issued by the asset issuer The amount is 0, which avoids the situation that the remittance institution must advance funds at the asset issuer when the relevant technology issues blockchain assets, thereby avoiding the situation of low remittance efficiency and failure to remit due to advance funds .
下面以汇款机构A向汇款机构B汇款为例，对仅通过授信方法实现汇款的流程进行介绍。The following takes remittance institution A to remittance institution B as an example to introduce the process of remittance only through the credit method.
图4是本说明书一示例性实施例示出的一种基于区块链***的汇款方法的交互图。该方法可以包括以下步骤：步骤401，资产发行方C对汇款机构A进行风险评估。Fig. 4 is an interaction diagram of a remittance method based on a blockchain system shown in an exemplary embodiment of this specification. The method may include the following steps: Step 401, the asset issuer C conducts a risk assessment on the remittance institution A.
在本实施例中，资产发行方C可以预先对汇款机构A进行风险评估，以得到该汇款机构A的授信额度。在实际操作中，资产发行方C可基于汇款机构A提供的数据，进行风险评估。当然，为了避免汇款机构A为提升自身授信额度而数据造假的情况，资产发行方C也可从第三方数据提供方处获取汇款机构A的相关数据。这些相关数据可包含与汇款机构A相关的多个维度的数据，例如，可以包含信誉数据、历史汇款记录等。In this embodiment, the asset issuer C can conduct a risk assessment on the remittance institution A in advance to obtain the credit line of the remittance institution A. In actual operation, asset issuer C can conduct risk assessment based on the data provided by remittance agency A. Of course, in order to avoid data falsification by remittance institution A in order to increase its own credit line, asset issuer C can also obtain relevant data of remittance institution A from a third-party data provider. These relevant data may include data of multiple dimensions related to the remittance institution A, for example, may include reputation data, historical remittance records, and the like.
步骤402，资产发行方C基于评估得到的授信额度，生成资产发行交易。Step 402, the asset issuer C generates an asset issuance transaction based on the evaluated credit line.
在本实施例中，在资产发行方C完成风险评估之后，即可生成相应的资产发行交易，以在区块链***X中发行链上资产。In this embodiment, after the asset issuer C completes the risk assessment, a corresponding asset issuance transaction can be generated to issue on-chain assets in the blockchain system X.
步骤403，资产发行方C向区块链***X发送生成的资产发行交易。Step 403, the asset issuer C sends the generated asset issuance transaction to the blockchain system X.
步骤404，区块链***X按照资产发行交易中的授信额度，发行等额的待分配余额资产和待分配负债资产。Step 404, the blockchain system X issues equal amounts of balance assets to be distributed and liability assets to be distributed according to the credit line in the asset issuance transaction.
举例而言，假设步骤401通过风险评估得到的授信额度为2000，那么区块链***X即可发行数额为2000的待分配余额资产，以及数额为2000的待分配负债资产。For example, assuming that the credit line obtained through the risk assessment in step 401 is 2000, then blockchain system X can issue 2000 balance assets to be distributed and 2000 liability assets to be distributed.
在本实施例中，发行的待分配余额资产和待分配负债资产均仅可被分配至汇款机构A对应的区块链账户a中，但只有在接收到资产授信交易时，才会执行资产分配的操作。在未接收到资产授信交易之前，发行的区块链交易可以记录于资产发行方C对应的区块链账户c中。此时，各区块链账户中记录的资产情况如下表1：In this embodiment, the balance assets to be distributed and the liability assets to be distributed can only be allocated to the blockchain account a corresponding to the remittance institution A, but asset allocation will only be performed when an asset credit transaction is received operation. Before the asset credit transaction is received, the issued blockchain transaction can be recorded in the blockchain account c corresponding to the asset issuer C. At this time, the assets recorded in each blockchain account are as follows: Table 1:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 00 00
汇款机构BRemittance institution B 账户baccount b 00 00
资产发行方CAsset issuer C 账户caccount c 20002000 20002000
表1Table 1
步骤405，汇款机构A向资产发行方C发送资产授信请求。Step 405, the remittance institution A sends an asset credit request to the asset issuer C.
在本实施例中，汇款机构A可以通过向资产发行方C发送资产授信请求的方式，使资产发行方C生成相应的资产授信交易，并将该资产授信交易发送至区块链***X。在此基础上，区块链***X即可根据资产授信交易中指示的授信数额，进行资产分配。In this embodiment, the remittance institution A can make the asset issuer C generate a corresponding asset credit transaction by sending an asset credit request to the asset issuer C, and send the asset credit transaction to the blockchain system X. On this basis, the blockchain system X can allocate assets according to the credit amount indicated in the asset credit transaction.
步骤406，资产发行方C基于资产授信请求中包含的授信数额，生成资产授信交易。Step 406, the asset issuer C generates an asset credit transaction based on the credit amount included in the asset credit request.
步骤407，资产发行方C将生成的资产授信交易发送至区块链***X。Step 407, asset issuer C sends the generated asset credit transaction to blockchain system X.
步骤408，区块链***X根据资产授信交易中包含的授信数额，将相应数量的待分配余额资产和待分配负债资产分配至汇款机构A对应的区块链账户a中，以作为汇款机构A的可用余额资产和可用负债资产。Step 408, according to the credit amount contained in the asset credit transaction, the blockchain system X allocates the corresponding amount of balance assets to be distributed and liability assets to be distributed to the blockchain account a corresponding to the remittance institution A, as the account a of the remittance institution A. available balance assets and available liability assets.
在本实施例中，资产授信交易中包含的授信数额不大于汇款机构A的授信额度。换言之，在上述举例中，该授信数额不应大于2000。In this embodiment, the credit amount included in the asset credit transaction is not greater than the credit limit of the remittance institution A. In other words, in the above example, the credit amount should not be greater than 2000.
承接上述举例，假设该授信数额为500，那么，在本步骤中，区块链***X即可将数额为500的负债资产和数额为500的余额资产转移至汇款机构A对应的区块链账户a中，以使汇款机构A有足够的链上资产用于汇款。在完成资产转移后，各个区块链账户中记录的资产情况如表2所示：Following the above example, assuming that the credit amount is 500, then, in this step, the blockchain system X can transfer the liability assets with an amount of 500 and the balance assets with an amount of 500 to the blockchain account corresponding to the remittance institution A a, so that the remittance institution A has enough on-chain assets for remittance. After the asset transfer is completed, the assets recorded in each blockchain account are shown in Table 2:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 500500 500500
汇款机构BRemittance institution B 账户baccount b 00 00
资产发行方CAsset Issuer C 账户caccount c 15001500 15001500
表2Table 2
需要声明的是，在本实施例中仅仅是以“基于汇款机构发起的资产授信请求进行资产授信”为例进行介绍，在实际操作中，也可以由资产发行方C主动为汇款机构A进行资产授信，例如，资产发行方C可以按照预设时间周期(如每天)向区块链***发送资产授信交易，以完成链上资产的分配。What needs to be declared is that in this embodiment, the introduction of "asset credit granting based on the asset credit request initiated by the remittance institution" is only introduced as an example. In actual operation, the asset issuer C can also actively carry out asset Credit, for example, asset issuer C can send asset credit transactions to the blockchain system according to a preset time period (such as every day) to complete the distribution of assets on the chain.
步骤409，汇款机构A向区块链***X发送汇款交易。Step 409, remittance institution A sends a remittance transaction to blockchain system X.
不难理解的是，步骤401-步骤408尚未进入汇款阶段，而是在做汇款之前的准备工作。在完成上述准备工作之后，即可按需进行汇款操作。在实际操作中，汇款机构A所要执行的操作通常是在用户的指示下进行的，例如，用户1在需要向用户2进行汇款时，即可向汇款机构A发送汇款请求，以使汇款机构A生成相应的汇款交易，并发送至区块链***X处，以指示区块链***X进行汇款。It is not difficult to understand that steps 401-408 have not yet entered the remittance stage, but are doing preparatory work before remittance. After the above preparatory work is completed, the remittance operation can be performed on demand. In actual operation, the operation to be performed by remittance institution A is usually carried out under the instruction of the user. For example, when user 1 needs to remit money to user 2, he can send a remittance request to remittance institution A, so that remittance institution A Generate a corresponding remittance transaction and send it to blockchain system X to instruct blockchain system X to remit.
步骤410，区块链***X将区块链账户a中与汇款交易指示的数额相等的可用余额资产转移至区块链账户b中。Step 410, blockchain system X transfers the available balance assets in blockchain account a equal to the amount indicated by the remittance transaction to blockchain account b.
在本实施例中，区块链***X在接收到上述汇款交易之后，即可按照其中的信息进行资产转移。例如，该汇款交易中包含汇款数额，和汇款对象等信息。In this embodiment, after the blockchain system X receives the above-mentioned remittance transaction, it can transfer assets according to the information in it. For example, the remittance transaction includes information such as remittance amount and remittance object.
承接上述举例，假设汇款对象即为用户2对应的汇款机构B，汇款数额为200。那么，区块链***X即可将区块链账户a中数额为200的余额资产转移至汇款机构B对应的区块链账户b中。在完成转移后，各区块链账户中记录的资产情况如下表3：Following the above example, assume that the recipient of the remittance is the remittance institution B corresponding to user 2, and the remittance amount is 200. Then, the blockchain system X can transfer the balance assets of 200 in the blockchain account a to the blockchain account b corresponding to the remittance institution B. After the transfer is completed, the assets recorded in each blockchain account are shown in Table 3:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 300300 500500
汇款机构BRemittance institution B 账户baccount b 200200 00
资产发行方CAsset issuer C 账户caccount c 15001500 15001500
表3table 3
步骤411，区块链***X根据还款时间计算，汇款机构A的负债利息。Step 411, the blockchain system X calculates the debt interest of the remittance institution A according to the repayment time.
在本实施例中，还可以进一步计算汇款机构A的负债利息，并记录于区块链账户a中。假设利率为1％/天，当前为资产授信后的第3天(即负债时长为2天)。那么，计算得到的负债利息为：500*2*1％＝10。此时，各区块链账户中记录的资产情况如下表4：In this embodiment, the debt interest of remittance institution A can be further calculated and recorded in blockchain account a. Assuming that the interest rate is 1%/day, it is currently the third day after the credit of the asset (that is, the debt period is 2 days). Then, the calculated debt interest is: 500*2*1%=10. At this time, the assets recorded in each blockchain account are as follows in Table 4:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets 负债利息debt interest
汇款机构ARemittance institution A 账户aaccount a 300300 500500 1010
汇款机构BRemittance institution B 账户baccount b 200200 00 00
资产发行方CAsset Issuer C 账户caccount c 15001500 15001500 00
表4Table 4
当然，表4仅仅是以“将负债利息单独记录”为例进行展示，在实际操作中，由于负债利息的资产类型属于负债资产，因此，也可以将其一并记录为负债资产，在该情况下：各区块链账户的资产记录情况可以如下表5：Of course, Table 4 is just an example of "recording debt interest separately". In practice, since the asset type of debt interest is a liability asset, it can also be recorded as a liability asset. In this case Bottom: The asset records of each blockchain account can be shown in Table 5 below:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 300300 510510
汇款机构BRemittance institution B 账户baccount b 200200 00
资产发行方CAsset Issuer C 账户caccount c 15001500 15001500
表5table 5
步骤412，区块链***发行与负债利息等额的利息资产，记录于资产发行方对应的第三区块链账户中。Step 412, the blockchain system issues interest assets equal to the debt interest, which is recorded in the third blockchain account corresponding to the asset issuer.
应当理解的是，无论是表4还是表5中记录的链上总资产均不为0，而链下总资产仍为0，显然不符合链上资产的发行原则。在本实施例中，还需进一步发行归属于资产发行方C的数额与负债利息相等的余额资产，以保证链上总资产与链下总资产相等，均为0。此时，各区块链账户中记录的资产情况如下表6或下表7所示：It should be understood that neither the total assets on the chain recorded in Table 4 nor Table 5 are 0, while the total assets off the chain are still 0, which obviously does not conform to the principle of asset issuance on the chain. In this embodiment, it is necessary to further issue a balance asset attributable to the asset issuer C whose amount is equal to the debt interest, so as to ensure that the total assets on the chain and the total assets off the chain are equal to 0. At this time, the assets recorded in each blockchain account are shown in Table 6 or Table 7 below:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets 负债利息debt interest 利息资产interest assets
汇款机构ARemittance institution A 账户aaccount a 300300 500500 1010 00
汇款机构BRemittance institution B 账户baccount b 200200 00 00 00
资产发行方CAsset issuer C 账户caccount c 15001500 15001500 00 1010
表6Table 6
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 300300 510510
汇款机构BRemittance institution B 账户baccount b 200200 00
资产发行方CAsset Issuer C 账户caccount c 15101510 15001500
表7Table 7
当然，在本实施例中，还可以包括汇款机构A向资产发行方C还款的步骤，以及汇款机构B将链上资产兑换为链下资产的步骤。这两个步骤已在上文中详细介绍，在此不再赘述。Of course, in this embodiment, it may also include the step of remittance institution A repaying the asset issuer C, and the step of remittance institution B converting on-chain assets into off-chain assets. These two steps have been described in detail above and will not be repeated here.
由上述技术方案可知，本实施例可以根据汇款机构的授信情况，在区块链***中发行与汇款机构的授信额度等额的负债资产和余额资产。其中，区块链***在接收到资产授信交易后，即可将相应数额的余额资产和负债资产转移至汇款机构对应的区块链账户中，以用于汇款。由于余额资产和负债资产的总额为0，使得本实施例无需如相关技术中需要汇款机构进行垫资才能够进行资产发行，进而避免了相关技术中由于汇款机构资产流动性较差而导致的无法进行汇款以及汇款效率较低的问题。It can be seen from the above technical solution that this embodiment can issue liability assets and balance assets equal to the credit line of the remittance institution in the blockchain system according to the credit situation of the remittance institution. Among them, after the blockchain system receives the asset credit transaction, it can transfer the corresponding amount of balance assets and liability assets to the corresponding blockchain account of the remittance institution for remittance. Since the total amount of balance assets and liability assets is 0, this embodiment does not require remittance institutions to issue funds as in related technologies, thereby avoiding the inability of remittance institutions due to poor liquidity of assets in related technologies Issues with remittances and low remittance efficiency.
上述内容所介绍的为：仅通过授信方式实现汇款的流程。然而，在实际应用中，即便汇款机构会存在由于资产流动性较差，而导致没有足够链下资产用于汇款的情况，但汇款机构在大多数情况下，并非没有丝毫链下资产可用于汇款。因此，在本说明书中，还提出了一种结合垫资和授信的汇款方法。The above content introduces the process of remittance only through credit. However, in practical applications, even if remittance institutions do not have enough off-chain assets for remittance due to poor asset liquidity, in most cases, remittance institutions do not have any off-chain assets for remittance . Therefore, in this specification, a remittance method combining advance funds and credit granting is also proposed.
在对该汇款方法进行介绍之前，首先需要声明的是，在该方法中，大多操作步骤与仅通过授信方式实现汇款的流程一致，例如，如何进行汇款，如何进行还款，如何计算负债利息等，详细内容均可参照上一实施例的介绍。Before introducing this remittance method, it is first necessary to declare that in this method, most of the operation steps are consistent with the process of remittance through credit only, for example, how to remit money, how to repay, how to calculate interest on debt, etc. , for details, refer to the introduction of the previous embodiment.
图5是本说明书一示例性实施例示出的另一种基于区块链***的汇款方法的流程图。该方法可以包括以下步骤：步骤502，资产发行方根据第一汇款机构在所述资产发行方的垫资资产，以及第一汇款机构的授信额度，在区块链***中发行待分配余额资产和待分配负债资产；其中，所述待分配余额资产与所述垫资资产和授信额度的总和相等，所述待分配负债资产与所述授信额度相等。Fig. 5 is a flow chart of another remittance method based on a blockchain system shown in an exemplary embodiment of this specification. The method may include the following steps: step 502, the asset issuer issues the balance assets to be distributed in the blockchain system and Liability assets to be distributed; wherein, the balance assets to be distributed are equal to the sum of the advance assets and the credit line, and the liability assets to be distributed are equal to the credit line.
正如上文所述，本实施例中的大部分操作均可参照上一实施例的介绍，在本实施例中不再赘述。应当理解的是，本实施例与上一实施例的区别在于：本实施例在发行区块链资产时，是基于第一汇款机构在资产发行方处的垫资资产，以及第一汇款机构的授信额度发行待分配余额资产；而待分配负债资产则仍根据授信额度进行发行。相对应的，在将发行的待分配余额资产和待分配负债资产分配至第一汇款机构对应的第一区块链账户时，分配得到的可用余额资产也变更为不大于垫资资产和授信额度的总额；分配得到的可用负债资产则仍为不大于授信额度。As mentioned above, most of the operations in this embodiment can refer to the introduction of the previous embodiment, and will not be repeated in this embodiment. It should be understood that the difference between this embodiment and the previous embodiment is that when this embodiment issues blockchain assets, it is based on the advance assets of the first remittance institution at the asset issuer, and the first remittance institution's The balance assets to be distributed are issued according to the credit line; while the liability assets to be distributed are still issued according to the credit line. Correspondingly, when the balance assets to be distributed and liability assets to be distributed are allocated to the first blockchain account corresponding to the first remittance institution, the allocated available balance assets are also changed to be no greater than the advance asset and credit line The total amount; the allocated available liability assets are still not greater than the credit line.
步骤504，所述资产发行方将第一数额的待分配余额资产、第二数额的待分配负债资产分配至第一汇款机构对应的第一区块链账户中，以分别作为第一汇款机构对应的可用负债资产和可用余额资产，所述第一数额不大于所述总和，所述第二数额不大于所述授信额度。 Step 504, the asset issuer allocates the first amount of balance assets to be distributed and the second amount of liability assets to be distributed to the first blockchain account corresponding to the first remittance institution, so as to serve as corresponding Available liability assets and available balance assets, the first amount is not greater than the sum, and the second amount is not greater than the credit line.
应当理解的是，本实施例在完成资产发行之后，链上总资产的数额恰好等于垫资资产的数额。可见，本实施例所采用的资产发行方式未违背链上资产的发行原则(即保证发行的链上资产与资产发行方持有的链下资产数额一致)。由上述介绍可知，本实施例相较于上述实施例，除了能够解决相关技术中由于垫资资产不足而导致无法进行汇款的问题以外，还能够进一步提高汇款额度的上限。其中，上述实施例的汇款额度上限即为：授信额度；而本实施例的汇款额度上限为：授信额度与垫资资产的总额。It should be understood that in this embodiment, after asset issuance is completed, the amount of total assets on the chain is exactly equal to the amount of advance assets. It can be seen that the asset issuance method adopted in this embodiment does not violate the issuance principle of on-chain assets (that is, to ensure that the amount of issued on-chain assets is consistent with the amount of off-chain assets held by the asset issuer). It can be seen from the above introduction that, compared with the above-mentioned embodiments, this embodiment can not only solve the problem of inability to carry out remittance due to insufficient advance assets in related technologies, but also further increase the upper limit of the remittance amount. Wherein, the upper limit of the remittance amount in the above embodiment is: the credit line; and the upper limit of the remittance amount in the present embodiment is: the total amount of the credit line and the advance assets.
步骤506，第一汇款机构向所述区块链***发送用于指示向第二汇款机构进行汇款的汇款交易，以使所述区块链***将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。 Step 506, the first remittance institution sends to the blockchain system a remittance transaction for instructing remittance to the second remittance institution, so that the blockchain system combines the first blockchain account with the remittance The available balance assets equal to the amount indicated in the transaction are transferred to the second blockchain account corresponding to the second remittance institution.
如上所述，在完成资产发行和资产授信之后，第一汇款机构即可基于第一区块链账户中的链上资产进行汇款操作。具体的，第一汇款机构可以在用户的指示下，向区块链***发起汇款交易，以使区块链***根据汇款交易中包含的汇款数额，将第一区块链账户中与该汇款数额相等的可用余额资产转移至第二汇款机构对应的第二区块链账户中。As mentioned above, after asset issuance and asset credit are completed, the first remittance institution can conduct remittance operations based on the on-chain assets in the first blockchain account. Specifically, the first remittance agency can initiate a remittance transaction to the blockchain system under the instruction of the user, so that the blockchain system can transfer the remittance amount from the first blockchain account to the remittance amount according to the remittance amount contained in the remittance transaction. The equivalent available balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
如上所述，第一汇款机构还可以向资产发行方发送链下资产，以使资产发行方向区块链***发送相应的还款交易；该还款交易用于指示区块链***从第一区块链账户中，扣除与上述链下资产等额的可用负债资产。As mentioned above, the first remittance agency can also send off-chain assets to the asset issuer, so that the asset issuer sends a corresponding repayment transaction to the blockchain system; In the block chain account, the available liability assets equal to the above-mentioned off-chain assets are deducted.
如上所述，资产发行方帮助第一汇款机构实现了汇款操作，因此，资产发行方还可以从第一汇款机构处收取一定的利息。具体的，区块链***可以基于第一区块链账户接收到可用负债资产的时间，以及区块链***接收到还款交易的还款时间，计算该可用负债资产在还款时间所对应的负债利息，并将计算得到的负债利息记录于第一区块链账户中。相应的，资产发行方还需在区块链***中发行归属于自身的利息资产，该利息资产的数额与记录于第一区块链账户中的负债利息相等，且被记录于资产发行方对应的第三区块链账户中。As mentioned above, the asset issuer helps the first remittance institution to realize the remittance operation, therefore, the asset issuer can also collect certain interest from the first remittance institution. Specifically, the blockchain system can calculate the available liability assets corresponding to the repayment time based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction. Debt interest, and record the calculated debt interest in the first blockchain account. Correspondingly, the asset issuer also needs to issue its own interest assets in the blockchain system. The amount of the interest assets is equal to the liability interest recorded in the first blockchain account, and is recorded in the asset issuer’s corresponding in the third blockchain account.
由上述技术方案可知，通过本实施例的技术方案，除了能够解决相关技术中由于采用垫资方式，而出现的无法进行汇款的问题以外，还可以进一步提高汇款额度的上限。具体的，由于本实施例所发行的待分配余额资产数额等于“第一汇款机构的授信额度与第一汇款机构在资产发行方处的垫资资产的总和”，相应的，第一区块链账户所能分配得到的可用余额资产的上限也上升至“第一汇款机构的授信额度与第一汇款机构在资产发行方处的垫资资产的总和”。而第一区块链账户中分配得到的可用余额资产即为可用于汇款的链上资产，显然，相较于前述实施例提高了汇款额度上限。It can be seen from the above technical solution that, through the technical solution of this embodiment, in addition to solving the problem of incapable remittance due to the advance payment method in the related technology, the upper limit of the remittance amount can be further increased. Specifically, since the amount of balance assets to be distributed issued in this embodiment is equal to "the sum of the credit line of the first remittance institution and the advance assets of the first remittance institution at the asset issuer", correspondingly, the first blockchain The upper limit of the available balance assets that can be allocated to the account is also increased to "the sum of the credit line of the first remittance institution and the advance assets of the first remittance institution at the asset issuer." The available balance asset allocated in the first blockchain account is the on-chain asset that can be used for remittance. Obviously, compared with the previous embodiment, the upper limit of the remittance amount is increased.
与前述实施例相类似的，本说明书还提出了对应于图5的、应用于区块链节点的汇款方法，在下一实施例中，大多操作方式与前述实施例相类似，具体操作方式均可参考前述实施例的介绍，在下文中不再赘述。Similar to the previous embodiments, this specification also proposes a remittance method applied to blockchain nodes corresponding to Figure 5. In the next embodiment, most of the operation methods are similar to the previous embodiments, and the specific operation methods can be Reference is made to the introduction of the foregoing embodiments, which will not be described in detail below.
图6是本说明书一示例性实施例示出的另一种应用于区块链节点的汇款方法的流程图。该方法可以包括以下步骤：步骤602，在接收到资产发行方发起的资产发行交易的情况下，根据所述资产发行交易中包含的第一汇款机构在所述资产发行方的垫资资产数额、以及第一汇款机构的授信额度，在所属的区块链***中发行待分配余额资产和待分配负债资产；其中，所述待分配余额资产与所述垫资资产数额和授信额度的总和相等，所述待分配负债资产与所述授信额度相等。Fig. 6 is a flow chart of another remittance method applied to blockchain nodes according to an exemplary embodiment of this specification. The method may include the following steps: Step 602: In the case of receiving the asset issuance transaction initiated by the asset issuer, according to the asset amount of the first remittance institution's advance to the asset issuer included in the asset issuance transaction, As well as the credit line of the first remittance institution, the balance assets to be distributed and the liability assets to be distributed are issued in the block chain system to which they belong; wherein, the balance assets to be distributed are equal to the sum of the amount of the advance asset and the credit line, The liability assets to be distributed are equal to the credit line.
本实施例在发行区块链资产时，是基于第一汇款机构在资产发行方处的垫资资产，以及第一汇款机构的授信额度发行待分配余额资产；而待分配负债资产则仍根据授信额度进行发行。相对应的，在将发行的待分配余额资产和待分配负债资产分配至第一汇款机构对应的第一区块链账户时，分配得到的可用余额资产也变更为不大于垫资资产和授信额度的总额；分配得到的可用负债资产则仍为不大于授信额度。In this embodiment, when issuing blockchain assets, the balance assets to be distributed are issued based on the advance assets of the first remittance institution at the asset issuer and the credit line of the first remittance institution; while the liability assets to be distributed are still based on the credit The amount is issued. Correspondingly, when the balance assets to be distributed and liability assets to be distributed are allocated to the first blockchain account corresponding to the first remittance institution, the allocated available balance assets are also changed to be no greater than the advance asset and credit line The total amount; the allocated available liability assets are still not greater than the credit line.
步骤604，根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将第一数额的待分配余额资产、第二数额的待分配负债资产分配至第一汇款机构对应的第一区块链账户，以分别作为第一汇款机构对应的可用余额资产和可用负债资产，所述第一数额不大于所述总和，所述第二数额不大于所述授信额度。Step 604: According to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, allocate the first amount of balance assets to be distributed and the second amount of liability assets to be distributed to The first blockchain account corresponding to the first remittance institution is used as the available balance assets and available liability assets corresponding to the first remittance institution respectively, the first amount is not greater than the sum, and the second amount is not greater than the credit line.
应当理解的是，本实施例在完成资产发行之后，链上总资产的数额恰好等于垫资资产的数额。可见，本实施例所采用的资产发行方式未违背链上资产的发行原则(即保证发行的链上资产与资产发行方持有的链下资产数额一致)。由上述介绍可知，本实施例除了能够解决由于垫资资产不足而导致的无法进行汇款的问题以外，还能够进一步提高汇款额度的上限。其中，仅通过授信额度发行链上资产时的汇款额度上限即为：授信额度；而本实施例的汇款额度上限为：授信额度与垫资资产的总额。It should be understood that in this embodiment, after asset issuance is completed, the amount of total assets on the chain is exactly equal to the amount of advance assets. It can be seen that the asset issuance method adopted in this embodiment does not violate the issuance principle of on-chain assets (that is, to ensure that the amount of issued on-chain assets is consistent with the amount of off-chain assets held by the asset issuer). It can be seen from the above introduction that this embodiment can not only solve the problem of inability to remit due to insufficient advance assets, but also further increase the upper limit of the remittance amount. Among them, the upper limit of the remittance amount when the assets on the chain are issued only through the credit line is: the credit line; and the upper limit of the remittance amount in this embodiment is: the total amount of the credit line and the advance assets.
步骤606，在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款 交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。Step 606: In the case of receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfer the amount equal to the amount indicated in the remittance transaction available in the first block chain account to The balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
如上所述，在完成资产发行和资产授信之后，第一汇款机构即可基于第一区块链账户中的链上资产进行汇款操作。具体的，第一汇款机构可以在用户的指示下，向区块链节点发起汇款交易，以使区块链节点根据汇款交易中包含的汇款数额，将第一区块链账户中与该汇款数额相等的可用余额资产转移至第二汇款机构对应的第二区块链账户中。As mentioned above, after asset issuance and asset credit are completed, the first remittance institution can conduct remittance operations based on the on-chain assets in the first blockchain account. Specifically, the first remittance agency can initiate a remittance transaction to the blockchain node under the instruction of the user, so that the blockchain node can transfer the remittance amount from the first blockchain account to the remittance amount according to the remittance amount contained in the remittance transaction. The equivalent available balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
如上所述，第一汇款机构还可以向资产发行方发送链下资产，以使资产发行方向区块链节点发送相应的还款交易；区块链节点接收到该还款交易后，接口从第一区块链账户中，扣除与上述链下资产等额的可用负债资产。As mentioned above, the first remittance agency can also send off-chain assets to the asset issuer, so that the asset issuer sends a corresponding repayment transaction to the blockchain node; after the blockchain node receives the repayment transaction, the interface starts from the first In a blockchain account, the available liability assets equal to the above-mentioned off-chain assets are deducted.
如上所述，资产发行方帮助第一汇款机构实现了汇款操作，因此，资产发行方还可以从第一汇款机构处收取一定的利息。具体的，区块链节点可以基于第一区块链账户接收到可用负债资产的时间，以及区块链***接收到还款交易的还款时间，计算该可用负债资产在还款时间所对应的负债利息，并将计算得到的负债利息记录于第一区块链账户中。相应的，资产发行方还需在区块链***中发行归属于自身的利息资产，该利息资产的数额与记录于第一区块链账户中的负债利息相等，且被记录于资产发行方对应的第三区块链账户中。As mentioned above, the asset issuer helps the first remittance institution to realize the remittance operation, therefore, the asset issuer can also collect certain interest from the first remittance institution. Specifically, based on the time when the first blockchain account receives the available liability assets, and the repayment time when the blockchain system receives the repayment transaction, the blockchain node can calculate the available liability assets corresponding to the repayment time Debt interest, and record the calculated debt interest in the first blockchain account. Correspondingly, the asset issuer also needs to issue its own interest assets in the blockchain system. The amount of the interest assets is equal to the liability interest recorded in the first blockchain account, and is recorded in the asset issuer’s corresponding in the third blockchain account.
由上述技术方案可知，由于本实施例所发行的待分配余额资产数额等于“第一汇款机构的授信额度与第一汇款机构在资产发行方处的垫资资产的总和”，相应的，第一区块链账户所能分配得到的可用余额资产的上限也上升至“第一汇款机构的授信额度与第一汇款机构在资产发行方处的垫资资产的总和”。而第一区块链账户中分配得到的可用余额资产即为可用于汇款的链上资产，可见，本实施例相较于仅通过授信额度发行链上资产的方式，提高了汇款额度上限。It can be seen from the above technical solution that since the amount of the balance assets to be distributed issued in this embodiment is equal to "the sum of the credit line of the first remittance institution and the advance assets of the first remittance institution at the asset issuer", correspondingly, the first The upper limit of the available balance assets that can be allocated to the blockchain account has also risen to "the sum of the credit line of the first remittance institution and the advance assets of the first remittance institution at the asset issuer." The available balance assets allocated in the first blockchain account are the assets on the chain that can be used for remittance. It can be seen that this embodiment increases the upper limit of the remittance amount compared with the method of issuing on-chain assets only through the credit line.
下面以仍以汇款机构A向汇款机构B汇款为例，对结合垫资和授信实现汇款的流程进行介绍。Taking the remittance from remittance institution A to remittance institution B as an example, the following is an introduction to the remittance process combined with advance funds and credit granting.
图7是本说明书一示例性实施例示出的另一种基于区块链***的汇款方法的交互图。该方法可以包括以下步骤：步骤701，汇款机构A向资产发行方C发送链下资产，作为垫资资产。Fig. 7 is an interaction diagram of another remittance method based on a blockchain system shown in an exemplary embodiment of this specification. The method may include the following steps: Step 701, the remittance institution A sends off-chain assets to the asset issuer C as an advance asset.
在本实施例中，汇款机构A可以将一定数额的链下资产发送给资产发行方C，以作为用于发行链上资产的垫资资产。In this embodiment, remittance institution A can send a certain amount of off-chain assets to asset issuer C as an advance asset for issuing on-chain assets.
步骤702，资产发行方C对汇款机构A进行风险评估。Step 702, the asset issuer C conducts a risk assessment on the remittance institution A.
在本实施例中，资产发行方C在接收到汇款机构A发送的垫资资产后，便可以开始对汇款机构A进行风险评估，具体的评估方式可参照针对图4的介绍，在此不再赘述。In this embodiment, after the asset issuer C receives the advance asset sent by the remittance institution A, it can start to conduct risk assessment on the remittance institution A. For the specific assessment method, please refer to the introduction to Figure 4, which will not be repeated here repeat.
步骤703，资产发行方C基于评估得到的授信额度以及垫资资产的数额，生成资产发行交易。Step 703, the asset issuer C generates an asset issuance transaction based on the evaluated credit line and the amount of advance assets.
在本实施例中，在资产发行方C完成风险评估之后，即可基于垫资资产的数额和授信额度生成相应的资产发行交易，以在区块链***X中发行链上资产。In this embodiment, after the asset issuer C completes the risk assessment, a corresponding asset issuance transaction can be generated based on the amount of the advance asset and the credit line, so as to issue the on-chain assets in the blockchain system X.
步骤704，资产发行方C向区块链***X发送生成的资产发行交易。Step 704, the asset issuer C sends the generated asset issuance transaction to the blockchain system X.
步骤705，区块链***X按照资产发行交易中的授信额度和垫资资产数额，发行待分配余额资产和待分配负债资产。Step 705, the blockchain system X issues balance assets to be distributed and liability assets to be distributed according to the credit line and the amount of advance assets in the asset issuance transaction.
举例而言，假设步骤701中，汇款机构A发送至资产发行方C的垫资资产的数额为700，而步骤702通过风险评估得到的授信额度为2000，那么，在本步骤中，区块链***X即可发行数额为2700的待分配余额资产，以及数额为2000的待分配负债资产。For example, assuming that in step 701, the amount of advance assets sent by remittance institution A to asset issuer C is 700, and the credit line obtained through risk assessment in step 702 is 2000, then, in this step, the blockchain System X can issue 2700 balance assets to be distributed and 2000 liability assets to be distributed.
在本实施例中，发行的待分配余额资产和待分配负债资产均仅可被分配至汇款机构A对应的区块链账户a中，但只有在接收到资产授信交易时，才会执行资产分配的操作。在未接收到资产授信交易之前，发行的区块链交易可以记录于资产发行方C对应的区块链账户c中。此时，各区块链账户中记录的资产情况如下表8：In this embodiment, the balance assets to be distributed and the liability assets to be distributed can only be allocated to the blockchain account a corresponding to the remittance institution A, but asset allocation will only be performed when an asset credit transaction is received operation. Before the asset credit transaction is received, the issued blockchain transaction can be recorded in the blockchain account c corresponding to the asset issuer C. At this time, the assets recorded in each blockchain account are as follows in Table 8:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 00 00
汇款机构BRemittance institution B 账户baccount b 00 00
资产发行方CAsset Issuer C 账户caccount c 27002700 20002000
表8Table 8
步骤706，汇款机构A向资产发行方C发送资产授信请求。Step 706, the remittance institution A sends an asset credit request to the asset issuer C.
在本实施例中，汇款机构A可以通过向资产发行方C发送资产授信请求的方式，使资产发行方C生成相应的资产授信交易，并将该资产授信交易发送至区块链***X。在此基础上，区块链***X即可根据资产授信交易中指示的授信数额，进行资产分配。In this embodiment, the remittance institution A can make the asset issuer C generate a corresponding asset credit transaction by sending an asset credit request to the asset issuer C, and send the asset credit transaction to the blockchain system X. On this basis, the blockchain system X can allocate assets according to the credit amount indicated in the asset credit transaction.
步骤707，资产发行方C基于资产授信请求中包含的授信数额，生成资产授信交易。Step 707, the asset issuer C generates an asset credit transaction based on the credit amount included in the asset credit request.
步骤708，资产发行方C将生成的资产授信交易发送至区块链***X。Step 708, the asset issuer C sends the generated asset credit transaction to the blockchain system X.
步骤709，区块链***X根据资产授信交易中包含的授信数额，将相应数量的待分配余额资产和待分配负债资产分配至汇款机构A对应的区块链账户a中，以作为汇款机构A的可用余额资产和可用负债资产。Step 709, according to the credit amount contained in the asset credit transaction, the blockchain system X allocates the corresponding amount of balance assets to be allocated and liability assets to be allocated to the blockchain account a corresponding to the remittance institution A, as the account a of the remittance institution A. available balance assets and available liability assets.
在本实施例中，资产授信交易中包含的授信数额不大于汇款机构A的授信额度与上述垫资资产的总额。换言之，在上述举例中，该授信数额不应大于2700。In this embodiment, the credit amount included in the asset credit transaction is not greater than the credit line of the remittance institution A and the total amount of the above-mentioned advance assets. In other words, in the above example, the credit amount should not be greater than 2700.
需要声明的是，由于本实施例发行的待分配余额资产大于待分配负债资产的数额，因此，在资产授信的过程中，可以优先确定授信数额是否大于垫资资产的数额，若不大于，则无需将待分配负债资产转移至汇款机构A对应的区块链账户a中；若大于，则需要转移一定数额的待分配负债资产至区块链账户a中。It should be stated that since the balance assets to be distributed issued in this embodiment are greater than the amount of liability assets to be distributed, in the process of asset credit, it can be prioritized to determine whether the credit amount is greater than the amount of advance assets, and if not, then There is no need to transfer the debt assets to be distributed to the blockchain account a corresponding to the remittance institution A; if it is greater than that, a certain amount of debt assets to be distributed needs to be transferred to the blockchain account a.
承接上述举例，假设该授信数额为500，那么，在本步骤中，区块链***X只需将数额为500的余额资产转移至汇款机构A对应的区块链账户a中即可。在该情况下，在完成资产转移后，各个区块链账户中记录的资产情况如表9所示：Following the above example, assuming that the credit amount is 500, then, in this step, the blockchain system X only needs to transfer the balance assets with an amount of 500 to the blockchain account a corresponding to the remittance institution A. In this case, after the asset transfer is completed, the assets recorded in each blockchain account are shown in Table 9:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 500500 00
汇款机构BRemittance institution B 账户baccount b 00 00
资产发行方CAsset issuer C 账户caccount c 22002200 20002000
表9Table 9
假设该授信数额为900，那么，在本步骤中，区块链***X除了需要将数额为900的余额资产转移至汇款机构A对应的区块链账户a中，还需将数额为200的负债资产转移至汇款机构A对应的区块链账户a中。在该情况下，在完成资产转移后，各个区块链账户中记录的资产情况如表10所示：Assuming that the credit amount is 900, then, in this step, in addition to transferring the balance assets of 900 to the blockchain account a corresponding to remittance institution A, blockchain system X also needs to transfer the debt of 200 The assets are transferred to the blockchain account a corresponding to the remittance institution A. In this case, after the asset transfer is completed, the assets recorded in each blockchain account are shown in Table 10:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 900900 200200
汇款机构BRemittance institution B 账户baccount b 00 00
资产发行方CAsset issuer C 账户caccount c 18001800 18001800
表10Table 10
步骤710，汇款机构A向区块链***X发送汇款交易。Step 710, remittance institution A sends a remittance transaction to blockchain system X.
不难理解的是，步骤401-步骤408尚未进入汇款阶段，而是在做汇款之前的准备工作。在完成上述准备工作之后，即可按需进行汇款操作。It is not difficult to understand that steps 401-408 have not yet entered the remittance stage, but are doing preparatory work before remittance. After the above preparatory work is completed, the remittance operation can be performed on demand.
在实际操作中，汇款机构A所要执行的操作通常是在用户的指示下进行的，例如，用户1在需要向用户2进行汇款时，即可向汇款机构A发送汇款请求，以使汇款机构A生成相应的汇款交易，并发送至区块链***X处，以指示区块链***X进行汇款。In actual operation, the operation to be performed by remittance institution A is usually carried out under the instruction of the user. For example, when user 1 needs to remit money to user 2, he can send a remittance request to remittance institution A, so that remittance institution A Generate a corresponding remittance transaction and send it to blockchain system X to instruct blockchain system X to remit.
步骤711，区块链***X将区块链账户a中与汇款交易指示的数额相等的可用余额资产转移至区块链账户b中。Step 711, blockchain system X transfers the available balance assets in blockchain account a equal to the amount indicated by the remittance transaction to blockchain account b.
在本实施例中，区块链***X在接收到上述汇款交易之后，即可按照其中的信息 进行资产转移。例如，该汇款交易中包含汇款数额，和汇款对象等信息。In this embodiment, after the blockchain system X receives the above-mentioned remittance transaction, it can transfer assets according to the information in it. For example, the remittance transaction includes information such as remittance amount and remittance object.
承接上述举例(以表10的授信情况为例)，假设汇款对象即为用户2对应的汇款机构B，汇款数额为200。那么，区块链***X即可将区块链账户a中数额为200的余额资产转移至汇款机构B对应的区块链账户b中。在完成转移后，各区块链账户中记录的资产情况如下表11：Following the above example (taking the credit situation in Table 10 as an example), assume that the recipient of the remittance is the remittance institution B corresponding to User 2, and the remittance amount is 200. Then, the blockchain system X can transfer the balance assets of 200 in the blockchain account a to the blockchain account b corresponding to the remittance institution B. After the transfer is completed, the assets recorded in each blockchain account are shown in Table 11:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 700700 200200
汇款机构BRemittance institution B 账户baccount b 200200 00
资产发行方CAsset issuer C 账户caccount c 18001800 18001800
表11Table 11
步骤712，区块链***X根据还款时间计算，汇款机构A的负债利息。Step 712, blockchain system X calculates the debt interest of remittance institution A according to the repayment time.
在本实施例中，还可以进一步计算汇款机构A的负债利息，并记录于区块链账户a中。假设利率为1％/天，当前为资产授信后的第3天(即负债时长为2天)。那么，计算得到的负债利息为：200*2*1％＝10。此时(后续举例均在表11的基础上说明)，各区块链账户中记录的资产情况如下表12：In this embodiment, the debt interest of remittance institution A can be further calculated and recorded in blockchain account a. Assuming that the interest rate is 1%/day, it is currently the third day after the credit of the asset (that is, the debt period is 2 days). Then, the calculated debt interest is: 200*2*1%=10. At this time (subsequent examples are explained on the basis of Table 11), the assets recorded in each blockchain account are as follows in Table 12:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets 负债利息debt interest
汇款机构ARemittance institution A 账户aaccount a 700700 200200 44
汇款机构BRemittance institution B 账户baccount b 200200 00 00
资产发行方CAsset issuer C 账户caccount c 18001800 18001800 00
表12Table 12
当然，表12仅仅是以“将负债利息单独记录”为例进行展示，在实际操作中，由于负债利息的资产类型属于负债资产，因此，也可以将其一并记录为负债资产，在该情况下：各区块链账户的资产记录情况可以如下表13：Of course, Table 12 is just an example of "recording debt interest separately". In practice, since the asset type of debt interest is a liability asset, it can also be recorded as a liability asset. In this case Bottom: The asset records of each blockchain account can be shown in Table 13 below:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 700700 204204
汇款机构BRemittance institution B 账户baccount b 200200 00
资产发行方CAsset issuer C 账户caccount c 18001800 18001800
表13Table 13
步骤713，区块链***发行与负债利息等额的利息资产，记录于资产发行方对应的第三区块链账户中。Step 713, the blockchain system issues interest assets equal to the debt interest, which is recorded in the third blockchain account corresponding to the asset issuer.
应当理解的是，无论是表12还是表13中记录的链上总资产均不为0，而链下总资产仍为0，显然不符合链上资产的发行原则。在本实施例中，还需进一步发行归属于资产发行方C的数额与负债利息相等的余额资产，以保证链上总资产与链下总资产相等，均为0。此时，各区块链账户中记录的资产情况如下表14或下表15所示：It should be understood that neither the total assets on the chain recorded in Table 12 nor Table 13 are 0, while the total assets off the chain are still 0, which obviously does not conform to the principle of asset issuance on the chain. In this embodiment, it is necessary to further issue a balance asset attributable to the asset issuer C whose amount is equal to the debt interest, so as to ensure that the total assets on the chain and the total assets off the chain are equal to 0. At this time, the assets recorded in each blockchain account are shown in Table 14 or Table 15 below:
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets 负债利息debt interest 利息资产interest assets
汇款机构ARemittance institution A 账户aaccount a 700700 200200 44 00
汇款机构BRemittance institution B 账户baccount b 200200 00 00 00
资产发行方CAsset issuer C 账户caccount c 18001800 18001800 00 44
表14Table 14
对象object 区块链账户blockchain account 余额资产balance assets 负债资产Liability assets
汇款机构ARemittance institution A 账户aaccount a 700700 204204
汇款机构BRemittance institution B 账户baccount b 200200 00
资产发行方CAsset issuer C 账户caccount c 18041804 18001800
表15Table 15
当然，在本实施例中，还可以包括汇款机构A向资产发行方C还款的步骤，以及 汇款机构B将链上资产兑换为链下资产的步骤。这两个步骤已在上文中详细介绍，在此不再赘述。Of course, in this embodiment, it may also include the step of remittance institution A repaying the asset issuer C, and the step of remittance institution B exchanging assets on the chain for assets off the chain. These two steps have been described in detail above and will not be repeated here.
由上述技术方案可知，本实施例结合了授信和垫资的方式，能够基于汇款机构的授信额度和汇款机构在资产发行方处的垫资资产，在区块链***中发行与“垫资资产数额与授信额度的总和”相等的待分配余额资产，进而将汇款额度的上限也提高至“垫资资产数额与授信额度的总和”。可见，通过本实施例的技术方案除了能够解决相关技术中由于垫资资产不足，而导致无法进行汇款的问题以外，还能够提高汇款额度的上限。It can be seen from the above technical solution that this embodiment combines credit granting and advance funding methods, and can issue and "advance asset assets" in the blockchain system based on the credit line of the remittance institution and the advance assets of the remittance institution at the asset issuer. The balance of assets to be distributed is equal to the sum of the amount and the credit line, and then the upper limit of the remittance line is also increased to "the sum of the advance asset amount and the credit line". It can be seen that the technical solution of this embodiment can not only solve the problem in the related art that remittance cannot be performed due to insufficient advance assets, but also increase the upper limit of the remittance amount.
图8是一示例性实施例提供的一种设备的示意结构图。请参考图8，在硬件层面，该设备包括处理器802、内部总线804、网络接口806、内存808以及非易失性存储器810，当然还可能包括其他业务所需要的硬件。本说明书一个或多个实施例可以基于软件方式来实现，比如由处理器802从非易失性存储器810中读取对应的计算机程序到内存808中然后运行。当然，除了软件实现方式之外，本说明书一个或多个实施例并不排除其他实现方式，比如逻辑器件抑或软硬件结合的方式等等，也就是说以下处理流程的执行主体并不限定于各个逻辑单元，也可以是硬件或逻辑器件。Fig. 8 is a schematic structural diagram of a device provided by an exemplary embodiment. Please refer to FIG. 8 , at the hardware level, the device includes a processor 802 , an internal bus 804 , a network interface 806 , a memory 808 and a non-volatile memory 810 , and of course may also include hardware required by other services. One or more embodiments of this specification may be implemented based on software, for example, the processor 802 reads a corresponding computer program from the non-volatile memory 810 into the memory 808 and executes it. Of course, in addition to software implementations, one or more embodiments of this specification do not exclude other implementations, such as logic devices or a combination of software and hardware, etc., that is to say, the execution subject of the following processing flow is not limited to each A logic unit, which can also be a hardware or logic device.
请参考图9，基于区块链***的汇款装置可以应用于如图8所示的设备中，以实现本说明书的技术方案。其中，该基于区块链***的汇款装置可以包括：Please refer to Figure 9, the remittance device based on the blockchain system can be applied to the equipment shown in Figure 8 to realize the technical solution of this specification. Among them, the remittance device based on the blockchain system may include:
发行单元901，在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等；The issuing unit 901, in the case of receiving the asset issuance transaction initiated by the asset issuer, issues the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which it belongs, and the balance assets to be distributed and the liabilities to be distributed the assets are equal in amount;
授信单元902，根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等；The credit granting unit 902, according to the asset credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution, allocates the balance assets to be distributed and liabilities to be distributed that do not exceed the credit line of the first remittance institution The assets are allocated to the first blockchain account corresponding to the first remittance institution as the available balance assets and available liability assets corresponding to the first remittance institution, and the amounts of the available balance assets and the available liability assets are equal;
汇款单元903，在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。The remittance unit 903, when receiving the remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the amount equal to the amount indicated in the remittance transaction in the first block chain account The available balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
可选的，发行单元901进一步被用于：在接收到资产发行方发起的资产发行交易的情况下，按照所述资产发行交易中包含的第一汇款机构的授信额度，在所属的区块链***中发行分别与所述授信额度相等的待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产仅可被分配至第一汇款机构对应的第一区块链账户中。Optionally, the issuance unit 901 is further configured to: in the case of receiving the asset issuance transaction initiated by the asset issuer, according to the credit line of the first remittance institution included in the asset issuance transaction, in the block chain to which it belongs The balance assets to be distributed and the liability assets to be distributed that are equal to the credit line are issued in the system, and the balance assets to be distributed and the liability assets to be distributed can only be distributed to the first block chain corresponding to the first remittance institution account.
可选的，发行单元901进一步被用于：在接收到资产发行方发起的资产发行交易的情况下，按照所述资产发行交易中包含的发行数额，在所属的区块链***中发行分别与所述发行数额相等的待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产可被分配至任一汇款机构对应的区块链账户中。Optionally, the issuance unit 901 is further configured to: in the case of receiving an asset issuance transaction initiated by an asset issuer, issue an asset with the asset issuance amount contained in the asset issuance transaction in the blockchain system to which it belongs. The balance assets to be distributed and the liability assets to be distributed are equal in amount, and the balance assets to be distributed and the liability assets to be distributed can be allocated to the blockchain account corresponding to any remittance institution.
可选的，授信单元902进一步被用于：根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将与所述资产授信交易中包含的资产数额相等的待分配余额资产和待分配负债资产转移至第一区块链账户中，所述资产数额不超过第一汇款机构的授信额度。Optionally, the credit granting unit 902 is further configured to: according to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, transfer the assets included in the asset credit transaction to Balance assets to be distributed and liability assets to be distributed in equal amounts are transferred to the first blockchain account, and the amount of said assets does not exceed the credit line of the first remittance institution.
可选的，还包括：还款单元904，根据所述资产发行方在接收到第一汇款机构发送的链下资产的情况下发起的还款交易，从第一区块链账户中，扣除与所述链下资产等额的可用负债资产。Optionally, it also includes: a repayment unit 904 that, according to the repayment transaction initiated by the asset issuer after receiving the off-chain asset sent by the first remittance institution, deducts the same amount from the first blockchain account as Available liability assets equivalent to the off-chain assets.
可选的，还包括：计算单元905，基于第一区块链账户接收到所述可用负债资产的时间，以及所述区块链节点接收到所述还款交易的还款时间，计算所述可用负债资产在所述还款时间对应的负债利息，并将所述负债利息记录于第一区块链账户中；在所属区块链***中发行归属于所述资产发行方的利息资产，所述利息资产的数额与所述负债利息相等，且被记录于所述资产发行方对应的第三区块链账户中。Optionally, it also includes: a calculation unit 905, based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain node receives the repayment transaction, calculates the The debt interest corresponding to the debt asset at the repayment time is available, and the debt interest is recorded in the first blockchain account; the interest asset attributable to the asset issuer is issued in the blockchain system to which it belongs, so The amount of the interest asset is equal to the interest on the liability, and is recorded in the third blockchain account corresponding to the asset issuer.
可选的，还包括：兑换单元906，根据所述资产发行方在将与所述汇款交易中指示的数额相等的链下资产汇款至第二汇款机构的情况下发起的资产兑换交易，从第二区块链账户中扣除相应数额的可用余额资产；或者，在接收到第二汇款机构发起的资产兑换交易的情况下，将第二区块链账户中，与所述资产兑换交易所指示的兑换金额相等的余额资产扣除，并向所述资产发行方发送兑换指示，以使所述资产发行方将相应数额的链下资产汇款至第二汇款机构；或者，根据所述资产发行方在接收到第二汇款机构发送的资产兑换请求的情况下发起的资产兑换交易，将第二区块链账户中，与所述资产兑换交易中指示的兑换数额相等的可用余额资产扣除；其中，所述资产兑换请求还用于指示所述资产发行方将与所述兑换数额相等的链下资产汇款至第二汇款机构。Optionally, it also includes: an exchange unit 906, according to the asset exchange transaction initiated by the asset issuer in the case of remittance of off-chain assets equal to the amount indicated in the remittance transaction to the second remittance institution, from the second remittance institution Deduct the corresponding amount of available balance assets from the second block chain account; or, in the case of receiving the asset exchange transaction initiated by the second remittance agency, transfer the second block chain account to the asset exchange transaction indicated by the second block chain account The balance assets equal to the conversion amount will be deducted, and an exchange instruction will be sent to the asset issuer, so that the asset issuer will remit the corresponding amount of off-chain assets to the second remittance institution; or, according to the asset issuer receiving For an asset exchange transaction initiated in response to an asset exchange request sent by the second remittance institution, the available balance assets equal to the exchange amount indicated in the asset exchange transaction will be deducted from the second blockchain account; wherein, the The asset exchange request is also used to instruct the asset issuer to remit off-chain assets equal to the exchange amount to the second remittance institution.
请参考图10，基于区块链***的汇款装置可以应用于如图8所示的设备中，以实现本说明书的技术方案。其中，该基于区块链***的汇款装置可以包括：发行单元1001，在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等；授信单元1002，根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等；汇款单元1003，在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。Please refer to Figure 10, the remittance device based on the blockchain system can be applied to the device shown in Figure 8 to realize the technical solution of this specification. Wherein, the remittance device based on the blockchain system may include: an issuing unit 1001, upon receiving the asset issuance transaction initiated by the asset issuer, issue the balance assets to be distributed and the liabilities to be distributed in the blockchain system to which it belongs Assets, the amount of the balance assets to be distributed and the liability assets to be distributed are equal; the credit granting unit 1002, according to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, The balance assets to be distributed and liability assets to be distributed that do not exceed the credit line of the first remittance institution are allocated to the first blockchain account corresponding to the first remittance institution, as the available balance assets and available balance assets corresponding to the first remittance institution. Liability assets, the amount of the available balance assets and the available liability assets are equal; the remittance unit 1003, when receiving the remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfer the second In a block chain account, the available balance assets equal to the amount indicated in the remittance transaction are transferred to the second block chain account corresponding to the second remittance institution.
可选的，还包括：还款单元1004，根据所述资产发行方在接收到第一汇款机构发送的链下资产的情况下发起的还款交易，从第一区块链账户中扣除与所述链下资产等额的可用负债资产。Optionally, it also includes: a repayment unit 1004, which deducts the repayment transaction from the first block chain account according to the repayment transaction initiated by the asset issuer after receiving the off-chain asset sent by the first remittance institution. Available liability assets equivalent to the above-mentioned off-chain assets.
可选的，还包括：计算单元1005，基于第一区块链账户接收到所述可用负债资产的时间，以及所述区块链***接收到所述还款交易的还款时间，计算所述可用负债资产在所述还款时间对应的负债利息，并将所述负债利息记录于第一区块链账户中；在所属区块链***中发行归属于所述资产发行方的利息资产，所述利息资产的数额与所述负债利息相等，且被记录于所述资产发行方对应的第三区块链账户中。Optionally, it also includes: a calculation unit 1005, based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction, calculates the The debt interest corresponding to the debt asset at the repayment time is available, and the debt interest is recorded in the first blockchain account; the interest asset attributable to the asset issuer is issued in the blockchain system to which it belongs, so The amount of the interest asset is equal to the interest on the liability, and is recorded in the third blockchain account corresponding to the asset issuer.
上述实施例阐明的***、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机，计算机的具体形式可以是个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任意几种设备的组合。The systems, devices, modules, or units described in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementing device is a computer, which may take the form of a personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media player, navigation device, e-mail device, game control device, etc. desktops, tablets, wearables, or any combination of these.
在一个典型的配置中，计算机包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。In a typical configuration, a computer includes one or more processors (CPUs), input/output interfaces, network interfaces and memory. Memory may include non-permanent storage in computer-readable media, in the form of random access memory (RAM) and/or nonvolatile memory such as read-only memory (ROM) or flash RAM. Memory is an example of computer readable media.
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带、磁盘存储、量子存储器、基于石墨烯的存储介质或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。Computer-readable media, including both permanent and non-permanent, removable and non-removable media, can be implemented by any method or technology for storage of information. Information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Flash memory or other memory technology, Compact Disc Read-Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic cassettes, disk storage, quantum memory, graphene-based storage media or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by computing devices. As defined herein, computer-readable media excludes transitory computer-readable media, such as modulated data signals and carrier waves.
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。It should also be noted that the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus comprising a set of elements includes not only those elements, but also includes Other elements not expressly listed, or elements inherent in the process, method, commodity, or apparatus are also included. Without further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article or apparatus comprising said element.
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。The foregoing describes specific embodiments of this specification. Other implementations are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. Multitasking and parallel processing are also possible or may be advantageous in certain embodiments.
在本说明书一个或多个实施例使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书一个或多个实施例。在本说明书一个或多个实施例和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本文中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。Terms used in one or more embodiments of the present specification are for the purpose of describing specific embodiments only, and are not intended to limit the one or more embodiments of the present specification. As used in one or more embodiments of this specification and the appended claims, the singular forms "a", "the", and "the" are also intended to include the plural forms unless the context clearly dictates otherwise. It should also be understood that the term "and/or" as used herein refers to and includes any and all possible combinations of one or more of the associated listed items.
应当理解，尽管在本说明书一个或多个实施例可能采用术语第一、第二、第三等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本说明书一个或多个实施例范围的情况下，第一信息也可以被称为第二信息，类似地，第二信息也可以被称为第一信息。取决于语境，如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”。It should be understood that although the terms first, second, third, etc. may be used in one or more embodiments of the present specification to describe various information, the information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, without departing from the scope of one or more embodiments of this specification, first information may also be called second information, and similarly, second information may also be called first information. Depending on the context, the word "if" as used herein may be interpreted as "at" or "when" or "in response to a determination."
以上所述仅为本说明书一个或多个实施例的较佳实施例而已，并不用以限制本说明书一个或多个实施例，凡在本说明书一个或多个实施例的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本说明书一个或多个实施例保护的范围之内。The above descriptions are only preferred embodiments of one or more embodiments of this specification, and are not intended to limit one or more embodiments of this specification. Within the spirit and principles of one or more embodiments of this specification, Any modification, equivalent replacement, improvement, etc. should be included in the scope of protection of one or more embodiments of this specification.

Claims (24)

  1. 一种基于区块链***的汇款方法，包括：A method of remittance based on a blockchain system, comprising:
    资产发行方在区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等；The asset issuer issues the balance assets to be distributed and the liability assets to be distributed in the blockchain system, and the balance assets to be distributed and the liability assets to be distributed are equal in amount;
    所述资产发行方将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等；The asset issuer allocates the undistributed balance assets and undistributed liability assets that do not exceed the credit line of the first remittance institution to the first blockchain account corresponding to the first remittance institution, as the first remittance institution’s corresponding Available Balance Assets and Available Liability Assets, said Available Balance Assets and said Available Liability Assets being equal in amount;
    第一汇款机构向所述区块链***发送用于指示向第二汇款机构进行汇款的汇款交易，以使所述区块链***将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。The first remittance institution sends to the block chain system a remittance transaction for instructing remittance to the second remittance institution, so that the block chain system will transfer the first block chain account to the remittance transaction indicated The available balance assets equal in amount to the second remittance institution are transferred to the second blockchain account corresponding to the second remittance institution.
  2. 根据权利要求1所述的方法，资产发行方在区块链***中发行待分配余额资产和待分配负债资产，包括：According to the method described in claim 1, the asset issuer issues balance assets to be distributed and liability assets to be distributed in the blockchain system, including:
    资产发行方按照第一汇款机构的授信额度，在区块链***中发行与所述授信额度相等的待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产仅可被分配至第一汇款机构对应的第一区块链账户中。According to the credit line of the first remittance institution, the asset issuer issues balance assets to be distributed and liability assets to be distributed equal to the credit line in the blockchain system, and the balance assets to be distributed and the liability assets to be distributed are only It can be allocated to the first blockchain account corresponding to the first remittance institution.
  3. 根据权利要求1所述的方法，资产发行方在区块链***中发行待分配余额资产和待分配负债资产，包括：According to the method described in claim 1, the asset issuer issues balance assets to be distributed and liability assets to be distributed in the blockchain system, including:
    资产发行方在区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产可被分配至任一汇款机构对应的区块链账户中。The asset issuer issues the balance assets to be distributed and the liability assets to be distributed in the blockchain system, and the balance assets to be distributed and the liability assets to be distributed can be allocated to the blockchain account corresponding to any remittance institution.
  4. 根据权利要求2或3所述的方法，所述资产发行方将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，包括：According to the method described in claim 2 or 3, the asset issuer allocates the balance assets to be distributed and the liability assets to be distributed that do not exceed the credit line of the first remittance institution to the first block chain corresponding to the first remittance institution account, including:
    资产发行方在接收到第一汇款机构发送的资产授信请求的情况下，根据所述资产授信请求中指定的资产数额，将与所述资产数额相等的待分配余额资产和待分配负债资产转移至第一区块链账户中。When the asset issuer receives the asset credit request sent by the first remittance institution, according to the asset amount specified in the asset credit request, transfer the balance assets to be distributed and the liability assets to be distributed equal to the asset amount to In the first blockchain account.
  5. 根据权利要求1所述的方法，还包括：The method according to claim 1, further comprising:
    第一汇款机构向所述资产发行方发送链下资产，以使所述资产发行方向所述区块链***发送还款交易；所述还款交易用于指示所述区块链***从第一区块链账户中，扣除与所述链下资产等额的可用负债资产。The first remittance institution sends off-chain assets to the asset issuer, so that the asset issuer sends a repayment transaction to the blockchain system; the repayment transaction is used to instruct the blockchain system to start from the first In the blockchain account, the available liability assets equal to the assets under the chain are deducted.
  6. 根据权利要求5所述的方法，还包括：The method according to claim 5, further comprising:
    所述区块链***基于第一区块链账户接收到所述可用负债资产的时间，以及所述区块链***接收到所述还款交易的还款时间，计算所述可用负债资产在所述还款时间对应的负债利息，并将所述负债利息记录于第一区块链账户中；Based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction, the blockchain system calculates the available liability assets at the The debt interest corresponding to the above repayment time, and record the debt interest in the first block chain account;
    所述资产发行方在所述区块链***中发行归属于所述资产发行方的利息资产，所述利息资产的数额与所述负债利息相等，且被记录于所述资产发行方对应的第三区块链账户中。The asset issuer issues interest assets attributable to the asset issuer in the blockchain system, and the amount of the interest assets is equal to the interest on the liability, and is recorded in the asset issuer’s corresponding No. Among the three blockchain accounts.
  7. 根据权利要求1所述的方法，还包括：The method according to claim 1, further comprising:
    所述资产发行方将与所述汇款交易中指示的数额相等的链下资产汇款至第二汇款机构，并向所述区块链***发送资产兑换交易，以指示所述区块链***从第二区块链账户中扣除相应数额的可用余额资产；或者，The asset issuer remits off-chain assets equal to the amount indicated in the remittance transaction to the second remittance institution, and sends an asset exchange transaction to the blockchain system to instruct the blockchain system to start from the second remittance institution. 2. Deduct the corresponding amount of available balance assets from the blockchain account; or,
    所述区块链***接收到第二汇款机构发送的资产兑换交易，以将第二区块链账户中，与所述资产兑换交易所指示的兑换数额相等的可用余额资产扣除，并向所述资产发行方发送兑换指示，以使所述资产发行方将相应数额的链下资产汇款至第二汇款机构；或者，The blockchain system receives the asset exchange transaction sent by the second remittance institution to deduct the available balance assets in the second blockchain account that are equal to the exchange amount indicated by the asset exchange transaction, and send the transaction to the The asset issuer sends an exchange instruction so that the asset issuer remits the corresponding amount of off-chain assets to the second remittance institution; or,
    所述资产发行方在接收到第二汇款交易发送的资产兑换请求的情况下，向所述区块链***发起资产兑换交易，以指示区块链***将第二区块链账户中，与所述资产兑换交易中指示的兑换数额相等的可用余额资产扣除，并将与所述兑换数额相等的链下资产发 送至第二汇款机构。When the asset issuer receives the asset exchange request sent by the second remittance transaction, it initiates an asset exchange transaction to the blockchain system to instruct the blockchain system to transfer the second blockchain account to the The available balance assets equal to the exchange amount indicated in the above asset exchange transaction are deducted, and the off-chain assets equal to the exchange amount are sent to the second remittance institution.
  8. 一种基于区块链***的汇款方法，包括：A method of remittance based on a blockchain system, comprising:
    资产发行方根据第一汇款机构在所述资产发行方的垫资资产，以及第一汇款机构的授信额度，在区块链***中发行待分配余额资产和待分配负债资产；其中，所述待分配余额资产与所述垫资资产和授信额度的总和相等，所述待分配负债资产与所述授信额度相等；The asset issuer issues the balance assets to be distributed and the liability assets to be distributed in the blockchain system according to the advance assets of the first remittance institution in the asset issuer and the credit line of the first remittance institution; The distributed balance assets are equal to the sum of the advance asset and the credit line, and the liability assets to be distributed are equal to the credit line;
    所述资产发行方将第一数额的待分配余额资产、第二数额的待分配负债资产分配至第一汇款机构对应的第一区块链账户中，以分别作为第一汇款机构对应的可用负债资产和可用余额资产，所述第一数额不大于所述总和，所述第二数额不大于所述授信额度；The asset issuer allocates the first amount of undistributed balance assets and the second amount of undistributed liability assets to the first blockchain account corresponding to the first remittance institution as available liabilities corresponding to the first remittance institution assets and available balance assets, the first amount is not greater than the sum, and the second amount is not greater than the credit line;
    第一汇款机构向所述区块链***发送用于指示向第二汇款机构进行汇款的汇款交易，以使所述区块链***将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。The first remittance institution sends to the block chain system a remittance transaction for instructing remittance to the second remittance institution, so that the block chain system will transfer the first block chain account to the remittance transaction indicated The available balance assets equal in amount to the second remittance institution are transferred to the second blockchain account corresponding to the second remittance institution.
  9. 根据权利要求8所述的方法，还包括：The method of claim 8, further comprising:
    第一汇款机构向所述资产发行方发送链下资产，以使所述资产发行方向所述区块链***发送还款交易；所述还款交易用于指示所述区块链***从第一区块链账户中，扣除与所述链下资产等额的可用负债资产。The first remittance institution sends off-chain assets to the asset issuer, so that the asset issuer sends a repayment transaction to the blockchain system; the repayment transaction is used to instruct the blockchain system to start from the first In the blockchain account, the available liability assets equal to the assets under the chain are deducted.
  10. 根据权利要求9所述的方法，还包括：The method of claim 9, further comprising:
    所述区块链***基于第一区块链账户接收到所述可用负债资产的时间，以及所述区块链***接收到所述还款交易的还款时间，计算所述可用负债资产在所述还款时间对应的负债利息，并将所述负债利息记录于第一区块链账户中；Based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction, the blockchain system calculates the available liability assets at the The debt interest corresponding to the above repayment time, and record the debt interest in the first block chain account;
    所述资产发行方在所述区块链***中发行归属于所述资产发行方的利息资产，所述利息资产的数额与所述负债利息相等，且被记录于所述资产发行方对应的第三区块链账户中。The asset issuer issues interest assets attributable to the asset issuer in the blockchain system, and the amount of the interest assets is equal to the interest on the liability, and is recorded in the asset issuer’s corresponding No. Among the three blockchain accounts.
  11. 一种基于区块链***的汇款方法，应用于区块链节点，包括：A remittance method based on a blockchain system, applied to blockchain nodes, including:
    在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等；In the case of receiving the asset issuance transaction initiated by the asset issuer, issue the balance asset to be distributed and the liability asset to be distributed in the blockchain system to which it belongs, and the amount of the balance asset to be distributed and the liability asset to be distributed are equal ;
    根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等；According to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, the balance assets to be distributed and liability assets to be distributed that do not exceed the credit line of the first remittance institution are allocated to In the first blockchain account corresponding to the first remittance institution, as the available balance asset and available liability asset corresponding to the first remittance institution, the amount of the available balance asset and the available liability asset are equal;
    在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。In the case of receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction, Transfer to the second blockchain account corresponding to the second remittance institution.
  12. 根据权利要求11所述的方法，所述在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，包括：The method according to claim 11, in the case of receiving the asset issuance transaction initiated by the asset issuer, issuing the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which it belongs, comprising:
    在接收到资产发行方发起的资产发行交易的情况下，按照所述资产发行交易中包含的第一汇款机构的授信额度，在所属的区块链***中发行分别与所述授信额度相等的待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产仅可被分配至第一汇款机构对应的第一区块链账户中。In the case of receiving the asset issuance transaction initiated by the asset issuer, according to the credit line of the first remittance institution included in the asset issuance transaction, issue waiting funds equal to the credit line in the blockchain system to which it belongs. Distributing the balance assets and the liability assets to be distributed, the balance assets to be distributed and the liability assets to be distributed can only be allocated to the first block chain account corresponding to the first remittance institution.
  13. 根据权利要求11所述的方法，所述在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，包括：The method according to claim 11, in the case of receiving the asset issuance transaction initiated by the asset issuer, issuing the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which it belongs, comprising:
    在接收到资产发行方发起的资产发行交易的情况下，按照所述资产发行交易中包含的发行数额，在所属的区块链***中发行分别与所述发行数额相等的待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产可被分配至任一汇款机构对应的区块链账户中。In the case of receiving the asset issuance transaction initiated by the asset issuer, according to the issuance amount contained in the asset issuance transaction, the assets to be distributed and the balance assets to be distributed respectively equal to the issuance amount are issued in the blockchain system to which they belong. Allocating liability assets, the balance assets to be distributed and the liability assets to be distributed can be allocated to the blockchain account corresponding to any remittance institution.
  14. 根据权利要求12或13所述的方法，所述根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，包括：According to the method according to claim 12 or 13, the asset credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution will not exceed the credit limit of the first remittance institution The balance assets to be distributed and liability assets to be distributed are allocated to the first blockchain account corresponding to the first remittance institution, including:
    根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将与所述资产授信交易中包含的资产数额相等的待分配余额资产和待分配负债资产转移至第一区块链账户中，所述资产数额不超过第一汇款机构的授信额度。According to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, the balance assets to be distributed and the liability assets to be distributed equal to the amount of assets included in the asset credit transaction Transferred to the first blockchain account, the amount of said assets does not exceed the credit limit of the first remittance institution.
  15. 根据权利要求11所述的方法，还包括：The method of claim 11, further comprising:
    根据所述资产发行方在接收到第一汇款机构发送的链下资产的情况下发起的还款交易，从第一区块链账户中，扣除与所述链下资产等额的可用负债资产。According to the repayment transaction initiated by the asset issuer after receiving the off-chain assets sent by the first remittance institution, the available liability assets equal to the off-chain assets are deducted from the first blockchain account.
  16. 根据权利要求15所述的方法，还包括：The method of claim 15, further comprising:
    基于第一区块链账户接收到所述可用负债资产的时间，以及所述区块链节点接收到所述还款交易的还款时间，计算所述可用负债资产在所述还款时间对应的负债利息，并将所述负债利息记录于第一区块链账户中；Based on the time when the first blockchain account receives the available liability assets, and the repayment time when the blockchain node receives the repayment transaction, calculate the available liability assets corresponding to the repayment time Debt interest, and record the debt interest in the first blockchain account;
    在所属区块链***中发行归属于所述资产发行方的利息资产，所述利息资产的数额与所述负债利息相等，且被记录于所述资产发行方对应的第三区块链账户中。Issue interest assets attributable to the asset issuer in the blockchain system, the amount of the interest assets is equal to the interest on the liability, and is recorded in the third blockchain account corresponding to the asset issuer .
  17. 根据权利要求11所述的方法，还包括：The method of claim 11, further comprising:
    根据所述资产发行方在将与所述汇款交易中指示的数额相等的链下资产汇款至第二汇款机构的情况下发起的资产兑换交易，从第二区块链账户中扣除相应数额的可用余额资产；或者，According to the asset exchange transaction initiated by the asset issuer in the case of remittance of off-chain assets equal to the amount indicated in the remittance transaction to the second remittance institution, the corresponding amount of available funds is deducted from the second blockchain account balance assets; or,
    在接收到第二汇款机构发起的资产兑换交易的情况下，将第二区块链账户中，与所述资产兑换交易所指示的兑换金额相等的余额资产扣除，并向所述资产发行方发送兑换指示，以使所述资产发行方将相应数额的链下资产汇款至第二汇款机构；或者，In the case of receiving the asset exchange transaction initiated by the second remittance institution, the balance assets equal to the exchange amount indicated by the asset exchange transaction in the second blockchain account will be deducted and sent to the asset issuer exchange instructions, so that the asset issuer remits the corresponding amount of off-chain assets to the second remittance institution; or,
    根据所述资产发行方在接收到第二汇款机构发送的资产兑换请求的情况下发起的资产兑换交易，将第二区块链账户中，与所述资产兑换交易中指示的兑换数额相等的可用余额资产扣除；其中，所述资产兑换请求还用于指示所述资产发行方将与所述兑换数额相等的链下资产汇款至第二汇款机构。According to the asset exchange transaction initiated by the asset issuer after receiving the asset exchange request sent by the second remittance institution, the available assets in the second blockchain account equal to the exchange amount indicated in the asset exchange transaction Balance asset deduction; wherein, the asset exchange request is also used to instruct the asset issuer to remit off-chain assets equal to the exchange amount to the second remittance institution.
  18. 一种基于区块链***的汇款方法，应用于区块链节点，包括：A remittance method based on a blockchain system, applied to blockchain nodes, including:
    在接收到资产发行方发起的资产发行交易的情况下，根据所述资产发行交易中包含的第一汇款机构在所述资产发行方的垫资资产数额、以及第一汇款机构的授信额度，在所属的区块链***中发行待分配余额资产和待分配负债资产；其中，所述待分配余额资产与所述垫资资产数额和授信额度的总和相等，所述待分配负债资产与所述授信额度相等；In the case of receiving the asset issuance transaction initiated by the asset issuer, according to the asset amount of the first remittance institution’s advances to the asset issuer included in the asset issuance transaction and the credit line of the first remittance institution, The balance assets to be distributed and the liability assets to be distributed are issued in the blockchain system to which it belongs; wherein, the balance assets to be distributed are equal to the sum of the amount of the advance asset and the credit line, and the liability assets to be distributed are equal to the sum of the credit line The amount is equal;
    根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将第一数额的待分配余额资产、第二数额的待分配负债资产分配至第一汇款机构对应的第一区块链账户中，以分别作为第一汇款机构对应的可用余额资产和可用负债资产，所述第一数额不大于所述总和，所述第二数额不大于所述授信额度；According to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, the first amount of balance assets to be allocated and the second amount of liability assets to be allocated are allocated to the first remittance institution. In the first blockchain account corresponding to the institution, as the available balance assets and available liability assets corresponding to the first remittance institution, the first amount is not greater than the sum, and the second amount is not greater than the credit line ;
    在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。In the case of receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction, Transfer to the second blockchain account corresponding to the second remittance institution.
  19. 根据权利要求18所述的方法，还包括：The method of claim 18, further comprising:
    根据所述资产发行方在接收到第一汇款机构发送的链下资产的情况下发起的还款交易，从第一区块链账户中扣除与所述链下资产等额的可用负债资产。According to the repayment transaction initiated by the asset issuer after receiving the off-chain assets sent by the first remittance institution, an available liability asset equivalent to the off-chain assets is deducted from the first blockchain account.
  20. 根据权利要求19所述的方法，还包括：The method of claim 19, further comprising:
    基于第一区块链账户接收到所述可用负债资产的时间，以及所述区块链***接收到所述还款交易的还款时间，计算所述可用负债资产在所述还款时间对应的负债利息，并 将所述负债利息记录于第一区块链账户中；Based on the time when the first blockchain account receives the available liability assets and the repayment time when the blockchain system receives the repayment transaction, calculate the available liability assets corresponding to the repayment time Debt interest, and record the debt interest in the first blockchain account;
    在所属区块链***中发行归属于所述资产发行方的利息资产，所述利息资产的数额与所述负债利息相等，且被记录于所述资产发行方对应的第三区块链账户中。Issue interest assets attributable to the asset issuer in the blockchain system, the amount of the interest assets is equal to the interest on the liability, and is recorded in the third blockchain account corresponding to the asset issuer .
  21. 一种基于区块链***的汇款装置，应用于区块链节点，包括：A remittance device based on a blockchain system, applied to blockchain nodes, including:
    发行单元，在接收到资产发行方发起的资产发行交易的情况下，在所属的区块链***中发行待分配余额资产和待分配负债资产，所述待分配余额资产和所述待分配负债资产的数额相等；The issuing unit, in the case of receiving the asset issuance transaction initiated by the asset issuer, issues the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which it belongs, and the balance assets to be distributed and the liability assets to be distributed equal in amount;
    授信单元，根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产，分配至第一汇款机构对应的第一区块链账户中，以作为第一汇款机构对应的可用余额资产和可用负债资产，所述可用余额资产和所述可用负债资产的数额相等；The credit unit, according to the asset credit transaction initiated by the asset issuer after receiving the asset credit request sent by the first remittance institution, will not exceed the credit limit of the first remittance institution. , allocated to the first blockchain account corresponding to the first remittance institution as the available balance asset and available liability asset corresponding to the first remittance institution, and the amounts of the available balance asset and the available liability asset are equal;
    汇款单元，在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。The remittance unit, in the case of receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the available amount in the first blockchain account equal to the amount indicated in the remittance transaction The balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
  22. 一种基于区块链***的汇款装置，应用于区块链节点，包括：A remittance device based on a blockchain system, applied to blockchain nodes, including:
    发行单元，在接收到资产发行方发起的资产发行交易的情况下，根据所述资产发行交易中包含的第一汇款机构在所述资产发行方的垫资资产数额、以及第一汇款机构的授信额度，在所属的区块链***中发行待分配余额资产和待分配负债资产；其中，所述待分配余额资产与所述垫资资产数额和授信额度的总和相等，所述待分配负债资产与所述授信额度相等；The issuing unit, when receiving the asset issuance transaction initiated by the asset issuer, according to the amount of the assets advanced by the first remittance institution to the asset issuer included in the asset issuance transaction and the credit granted by the first remittance institution The balance assets to be distributed and the liability assets to be distributed are issued in the blockchain system to which they belong; wherein, the balance assets to be distributed are equal to the sum of the amount of the advance asset and the credit line, and the liability assets to be distributed are equal to the sum of the amount of the advance asset and the credit line. The said credit lines are equal;
    授信单元，根据所述资产发行方在接收到第一汇款机构发送的资产授信请求的情况下发起的资产授信交易，将第一数额的待分配余额资产、第二数额的待分配负债资产分配至第一汇款机构对应的第一区块链账户中，以分别作为第一汇款机构对应的可用余额资产和可用负债资产，所述第一数额不大于所述总和，所述第二数额不大于所述授信额度；The credit granting unit allocates the first amount of balance assets to be distributed and the second amount of debt assets to be distributed to In the first blockchain account corresponding to the first remittance institution, as the available balance assets and available liability assets corresponding to the first remittance institution, the first amount is not greater than the sum, and the second amount is not greater than the the credit line;
    汇款单元，在接收到第一汇款机构发起的用于指示向第二汇款机构进行汇款的汇款交易的情况下，将第一区块链账户中，与所述汇款交易中指示的数额相等的可用余额资产，转移至第二汇款机构对应的第二区块链账户中。The remittance unit, in the case of receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the available amount in the first blockchain account equal to the amount indicated in the remittance transaction The balance assets are transferred to the second blockchain account corresponding to the second remittance institution.
  23. 一种电子设备，包括：An electronic device comprising:
    处理器；processor;
    用于存储处理器可执行指令的存储器；memory for storing processor-executable instructions;
    其中，所述处理器通过运行所述可执行指令以实现如权利要求11-20中任一项所述的方法。Wherein, the processor implements the method according to any one of claims 11-20 by running the executable instructions.
  24. 一种计算机可读存储介质，其上存储有计算机指令，该指令被处理器执行时实现如权利要求11-20中任一项所述方法的步骤。A computer-readable storage medium, on which computer instructions are stored, and when the instructions are executed by a processor, the steps of the method according to any one of claims 11-20 are implemented.
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