CN113222574B - Money transfer method and device based on blockchain system - Google Patents

Abstract

One or more embodiments of this specification provide a remittance method and device based on a blockchain system, including: the asset issuer issues a balance asset to be distributed and a liability asset to be distributed in the blockchain system, and the amount of the balance asset to be distributed is equal to the liability asset to be distributed; the asset issuer allocates the balance asset to be distributed and the liability asset to be distributed not exceeding the credit line of the first remittance institution 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 available liabilities The amounts of the assets are 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 transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

Description

A remittance method and device based on blockchain system

technical field

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.

Background technique

Blockchain technology (also known as distributed ledger technology) is a decentralized distributed database technology, which has many characteristics such as decentralization, openness, transparency, non-tampering, and trustworthiness, and is suitable for many application scenarios that have high requirements for data reliability. 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.

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 off-chain asset 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 for the remittance institution to use for remittance. 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, which in turn causes remittance operations to fail.

Contents of the invention

In view of this, one or more embodiments of this specification provide a remittance method and device based on a blockchain system.

In order to achieve the above purpose, one or more embodiments of this specification provide technical solutions as follows:

According to the first aspect of one or more embodiments of this specification, a remittance method based on a blockchain system is proposed, including:

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;

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 block chain 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 first remittance institution sends to the blockchain system a remittance transaction for instructing remittance to the second remittance institution, so that the blockchain system transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

According to the second aspect of one or more embodiments of this specification, a remittance method based on a blockchain system is proposed, including:

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; 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;

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 as 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 to the blockchain system a remittance transaction for instructing remittance to the second remittance institution, so that the blockchain system transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

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 blockchain nodes, including:

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;

According to the asset credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution, the undistributed balance assets and undistributed liability assets 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 liability assets corresponding to the first remittance institution, and the amounts of the available balance assets and the available liability assets are equal;

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 are transferred to the second blockchain account corresponding to the second remittance institution.

According to the fourth aspect of one or more embodiments of this specification, a remittance method based on a blockchain system is proposed, which is applied to blockchain nodes, including:

In the case of receiving the asset issuance transaction initiated by the asset issuer, according to the asset issuance transaction amount of the first remittance institution’s advance asset in the asset issuer and the credit line of the first remittance institution, issue the balance asset to be distributed and the liability asset to be distributed in the blockchain system to which it belongs; 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 credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution, the first amount of undistributed balance assets and the second amount of undistributed liability 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, the first amount is not greater than the sum, and the second amount is not greater than the credit line;

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 are transferred to the second blockchain account corresponding to the second remittance institution.

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 blockchain nodes, including:

The issuing unit, when 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 are equal in amount;

The credit granting unit, 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 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 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 remittance unit, when receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

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 blockchain nodes, including:

The issuing unit, when receiving the asset issuance transaction initiated by the asset issuer, issues the balance asset to be distributed and the liability asset to be distributed in the blockchain system to which it belongs according to the amount of the first remittance institution's advance asset in the asset issuer included in the asset issuance transaction and the credit line of the first remittance institution; 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;

The credit granting unit, 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 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 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 a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

According to a seventh aspect of one or more embodiments of the present specification, an electronic device is provided, including:

processor;

memory for storing processor-executable instructions;

Wherein, the processor implements the method according to any one of the third aspect and the fourth aspect by running the executable instruction.

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, the steps of the method described in any one of the third aspect and the fourth aspect are implemented.

Description of drawings

Fig. 1 is a schematic diagram of a remittance method based on an advance fund method provided by an exemplary embodiment.

Fig. 2 is a flowchart of a remittance method based on a blockchain system provided by an exemplary embodiment.

Fig. 3 is a flowchart of a remittance method applied to blockchain nodes 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.

Detailed ways

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. Implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of this specification. Rather, they are merely examples of apparatuses and methods consistent with aspects of one or more embodiments of the present specification as recited in the appended claims.

It should be noted that in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described in this specification. In some other embodiments, the method may include more or less steps than those described in this specification. In addition, a single step described in this specification may be decomposed into multiple steps for description in other embodiments; multiple steps described in this specification may also be combined as a single step for description in other embodiments.

Remittance, also known as "remittance payment", is one of the international settlement payment methods, which refers to a business processing method in which the payer actively remits money to the payee through a third party (such as a bank) using various settlement tools. 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) is a decentralized distributed database technology, which has many characteristics such as decentralization, openness, transparency, non-tampering, and trustworthiness, and is suitable for many application scenarios that have high requirements for data reliability.

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 the asset issuer C such as a bank first, so that the asset issuer A can issue a corresponding amount of on-chain assets in the blockchain system X based on the off-chain assets. 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 a corresponding remittance transaction to the blockchain system X. After the 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 b of the second remittance institution B corresponding to user 2. This process corresponds to steps ③ and ④ in Figure 1. The second remittance institution 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 steps ⑤ and ⑥ in Figure 1.

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.

However, it is not difficult to see that there are many disadvantages in the process of realizing remittance through advance funds, as follows:

(1) The transfer of off-chain assets needs to be prioritized, resulting in more preparatory work for remittances (for example, involving identity authentication, off-chain asset procedures, etc.), which reduces the efficiency of remittances.

(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) 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.

In view of the above-mentioned drawbacks in 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.

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 steps of:

Step 202, the asset issuer issues balance assets to be distributed and 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.

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. Due to the need to advance funds to issue assets on the chain, it has led to problems such as low remittance efficiency and inability to carry out remittance operations. At the same time, because the method of advance funds stores advance assets at the asset issuer, and based on this, the on-chain assets issued on the chain are all balance assets.

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 issued undistributed balance assets and undistributed liability assets can be allocated to the corresponding blockchain account of the remittance institution according to the credit status of the remittance institution, as the corresponding available balance assets and available liability assets of 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.

It should be understood that since the on-chain assets issued in this manual 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 manual in the blockchain system is 0. Therefore, there is no need to advance funds at the asset issuer by the remittance agency, which avoids the problems of low remittance efficiency and inability to carry out remittances caused by 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.

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 a corresponding amount of on-chain assets to the remittance institution for remittance in advance 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 will repay according to the available liability assets recorded in its own blockchain account. 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 corresponding accounts of 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.

Step 204, 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 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.

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 responsible for issuing on-chain assets for remittance is called the asset issuer. This object can be any type of institution that can issue on-chain assets, for example, it can be a bank.

In this specification, asset issuers can use different methods to issue assets on the chain according to actual needs.

In one embodiment, the asset issuer can issue balance assets and liability assets to be distributed equal to the credit limit in the blockchain system according to the credit line of the first remittance institution, and the issued balance assets to be distributed and liability assets to be distributed 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.

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 remittance institution after the issuance of the "balance assets to be distributed" and "liability assets to be distributed".

In another case of this embodiment, after the above-mentioned on-chain assets belonging to the first remittance institution are issued, they may not be recorded in the first blockchain account, for example, they may be first recorded in the third blockchain account corresponding to the asset issuer, 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 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; while the balance assets to be distributed and liability assets to be distributed in the first blockchain account based on the asset credit request can be regarded as the on-chain assets required by the first remittance institution for remittance in a certain period of time. For example, assuming that the asset issuer issues 2,000 assets on the chain in the blockchain system based on the credit line of the first remittance institution, then the first remittance institution can send an asset credit request to the asset issuer with an asset amount of 500 per day, so that the asset issuer instructs the blockchain system to transfer 500 undistributed balance assets and undistributed liability assets 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 instruction of the first remittance institution. For example, the asset issuer can actively send an asset credit transaction to the blockchain system according to a preset time period, instructing 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.

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.

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 balance asset to be distributed and the liability asset to be distributed equal to the asset amount can be 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.

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 on-chain assets for each remittance institution, so as to realize special funds for special use, which is convenient for subsequent traceability; while the asset issuer in the latter can uniformly issue on-chain assets for each remittance institution, and a single issued on-chain asset can be used by multiple remittance institutions at the same time. On the one hand, the number of issuances is reduced.

Step 206, 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 transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

In this specification, after completing the aforementioned process of asset issuance and asset credit (that is, transferring assets on the chain to the first blockchain account under the instruction of the asset issuer), the first remittance institution can remit money based on the assets on the chain in the first blockchain account.

In actual operation, the first remittance institution can initiate a remittance transaction to the blockchain system under the instruction of the user, so that the blockchain system can transfer the available balance assets equal to the remittance amount in the first blockchain account to the second blockchain account corresponding to the second remittance institution according to the remittance amount contained in the remittance transaction.

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 remain unchanged, but the total on-chain assets of the first remittance institution in the blockchain system are "available liability assets equal to the remittance amount", and the total on-chain assets 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 institution (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 institution (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.

In this manual, the above asset credit process is equivalent to the first remittance institution exchanging its own credit for on-chain assets, and the available liability assets recorded in the first blockchain account are used to record the off-chain assets that the first remittance institution needs to repay after exchanging the on-chain assets. Therefore, this specification may also include the operation of the first remittance institution repaying the asset issuer.

In actual operation, the first remittance agency 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 blockchain system to instruct the blockchain system to deduct the available liability assets equal to the above-mentioned off-chain assets from the first blockchain account. It is not difficult to understand that through this method, the first remittance institution can repay the asset issuer in a timely manner according to its own capital flow, thereby ensuring its reputation with the asset issuer and maintaining its long-term cooperation with the asset issuer.

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 calculate the liability interest corresponding to the available liability assets at different times according to the amount of available liability assets recorded in the first blockchain account and the time period for recording the available liability assets. 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 calculate the corresponding liability interest for the current day at a specific time every day, based on the amount of available liability assets and the number of days from the day when the first blockchain account receives the available liability assets to the current day.

Correspondingly, when the blockchain system receives the repayment transaction, 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, it can calculate the liability interest corresponding to the available liability assets at the repayment time, and record the liability interest in the first blockchain account to indicate that the first remittance agency needs to pay off-chain assets equal to the amount of the liability interest as interest paid to the asset issuer in addition to repaying the asset issuer according to the amount of available liability assets.

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 principle of on-chain asset issuance (the principle that the amount of on-chain assets and off-chain assets 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. Since the asset type of the interest on the liability is a liability asset, the asset type of the interest asset is a balance asset. After the interest asset is issued, the total assets on the chain are still guaranteed to be 0, which is in line with the principle of asset issuance on the chain. What needs to be declared is 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 third blockchain account corresponding to the asset issuer. 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.

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.

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 an asset exchange transaction to the blockchain system to instruct the blockchain system to deduct the corresponding amount of available balance assets from the second blockchain account.

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.

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 convert on-chain assets into off-chain assets, it can initiate an asset exchange transaction to the blockchain system; and after the blockchain system receives the asset exchange transaction, it can deduct the available balance assets in the second blockchain system that are equal to the exchange amount indicated by the asset exchange exchange. Further, it can also send an exchange instruction to the asset issuer, so that the asset issuer can remit the corresponding amount of off-chain assets to the second remittance institution.

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 convert on-chain assets into off-chain assets, it can send an asset exchange request to the asset issuer; and after receiving the asset exchange request, the asset issuer can generate a corresponding asset exchange transaction and send it to the blockchain system to instruct the blockchain system to deduct the available balance assets in the second blockchain account equal to the exchange amount indicated in the asset exchange transaction; correspondingly, after receiving the asset exchange request, the asset issuer can also send off-chain assets equal to the exchange amount to the second remittance agency. To complete the entire asset exchange process.

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 are formed by deploying blockchain codes on virtual machines implemented in the cloud through cloud services, and blockchain nodes do not need to correspond to corresponding physical devices one by one.

In addition, it should be emphasized that the remittance institution in this manual can be any type of MTO (Money Transfer Operator), that is, an enterprise or organization that has been approved by relevant organizations and can provide asset transfer services. 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.

It can be seen from the above technical solution that the asset issuer in this specification simultaneously issues two on-chain assets of balance assets to be distributed and liability assets to be distributed in the blockchain system, so that the amount of total assets on the chain issued by the asset issuer is 0, which avoids the situation that the remittance institution must advance funds to the asset issuer when issuing blockchain assets in related technologies, thereby avoiding the situation of low remittance efficiency and inability to remit due to advances. 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.

Further, when this manual allocates the issued on-chain assets to the blockchain account corresponding to the remittance institution, it will be distributed according to the credit status of the remittance institution, so as to ensure that the amount of balance assets to be allocated and the amount of liability assets to be allocated to the blockchain account corresponding to the remittance institution will not exceed the credit line of the remittance institution. It should be understood that this credit line is equivalent to an assessment of the remittance institution’s repayment ability by the asset issuer. Since the amount of balance assets to be distributed and liability assets to be allocated to the blockchain account corresponding to the remittance institution will not exceed this value, it is obvious that it can ensure that the remittance institution has the ability to repay the off-chain assets required for the distribution of assets on the chain, thereby ensuring that the interests of the asset issuer will not be lost.

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 first blockchain account corresponding to the first remittance institution; correspondingly, it can also issue an interest asset equal to the amount of interest on the liability in the blockchain system, and record the interest asset 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 consistent with the amount of off-chain assets in the asset issuer. 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.

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. It should be declared that the technical solution of the next embodiment is consistent with the technical solution shown in FIG. 2 , but the technical solution in this specification is described from the perspective of blockchain nodes. 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 .

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 steps of:

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 amount of the balance asset to be distributed and the liability asset to be distributed are equal.

As mentioned above, asset issuers can issue assets on the chain in different ways according to actual needs. In an embodiment, the blockchain node may, upon receiving the asset issuance transaction initiated by the asset issuer, issue balance assets to be allocated and liability assets to be allocated that are equal to the credit line in the blockchain system to which it belongs 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 allocated 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, according to the issuance amount contained in the asset issuance transaction, the blockchain node may issue balance assets to be distributed and liability assets to be distributed that are equal to the issuance amount in the blockchain system to which it belongs, and the balance assets to be distributed and liability assets to be distributed can be allocated to the blockchain account corresponding to any remittance institution.

Step 304: According to the asset credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution, 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 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.

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, so that the asset issuer can 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 amount of assets included 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.

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 balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

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 institution can initiate a remittance transaction to the blockchain node under the instruction of the user, so that the blockchain node can transfer the available balance assets equal to the remittance amount in the first blockchain account to the second blockchain account corresponding to the second remittance institution according to the remittance amount contained in the remittance transaction.

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; after receiving the off-chain assets, the asset issuer can generate a corresponding repayment transaction and send it to the blockchain node; the blockchain node can deduct the available liability assets equivalent to the off-chain assets from the first blockchain account based on the received repayment transaction.

As mentioned above, the blockchain node can also calculate the debt interest corresponding to the available debt asset at the repayment time based on the time when the first blockchain account receives the available liability asset and the repayment time when the blockchain node receives the repayment transaction, and record the debt interest in the first blockchain account; correspondingly, the blockchain node can also issue an interest asset attributable to the asset issuer in the blockchain system to which it belongs. The amount of the interest asset is equal to the liability interest, and is recorded in the third blockchain account corresponding to the asset issuer.

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, after the asset issuer remits off-chain assets equal to the amount indicated in the remittance transaction to the second remittance institution, 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 a blockchain node, and when the blockchain node receives the asset exchange transaction, it can deduct the balance of assets in the second blockchain account that is equal to the exchange amount indicated by the asset exchange transaction, and send an exchange instruction to the asset issuer, so that the asset issuer can remit the corresponding amount of off-chain assets to the second remittance institution; Asset exchange request, 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 instruct the asset issuer to remit the off-chain assets equal to the above exchange amount to the second remittance institution.

It can be seen from the above technical solution that the asset issuer in this specification simultaneously issues two on-chain assets of the balance asset to be distributed and the liability asset to be distributed in the blockchain system, so that the amount of the total assets on the chain issued by the asset issuer is 0, avoiding the situation that the remittance institution must advance funds to the asset issuer when issuing blockchain assets in related technologies, thereby avoiding the situation of low remittance efficiency and inability to remit due to advances.

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 steps of:

Step 401, the asset issuer C conducts a risk assessment on the remittance institution A.

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 institution 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.

Step 402, the asset issuer C generates an asset issuance transaction based on the credit line obtained through evaluation.

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.

Step 403, the asset issuer C sends the generated asset issuance transaction to the blockchain system X.

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.

For example, assuming that the credit line obtained through the risk assessment in step 401 is 2000, then, in this step, blockchain system X can issue 2000 balance assets to be distributed and 2000 liability assets to be distributed.

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 the asset allocation operation will only be performed when an asset credit transaction is received. 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:

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

Table 1

Step 405, the remittance institution A sends an asset credit request to the asset issuer C.

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.

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, the blockchain system X allocates the corresponding amount of balance assets and liability assets to be allocated to the blockchain account a corresponding to the remittance institution A according to the credit amount contained in the asset credit transaction, as the available balance assets and available liability assets of the remittance institution A.

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.

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 the amount of 500 and the balance assets with the amount of 500 to the blockchain account a corresponding to the remittance institution 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:

object blockchain account balance assets Liability assets Remittance institution A account a 500 500 Remittance institution B account b 0 0 Asset issuer C account c 1500 1500

Table 2

What needs to be declared is that in this embodiment, the example of "asset credit granting based on the asset credit request initiated by the remittance institution" is used as an example. In actual operation, the asset issuer C can also take the initiative to grant asset credit for the remittance institution A. For example, the 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.

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 performed under the instructions 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 generates a corresponding remittance transaction and sends it to blockchain system X to instruct blockchain system X to remit money.

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.

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.

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:

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

table 3

Step 411, the blockchain system X calculates the debt interest of the remittance institution A according to the repayment time.

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:

Table 4

Of course, Table 4 is just an example of "recording debt interest separately". In actual operation, since the asset type of debt interest is a liability asset, it can also be recorded as a liability asset. In this case: the asset records of each blockchain account can be as shown in Table 5:

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

table 5

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.

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:

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

Table 6

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 1510 1500

Table 7

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.

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 advance funds to issue assets as in related technologies, thereby avoiding the problems of inability to remit and low remittance efficiency caused by remittance institutions' poor asset liquidity in related technologies.

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.

Before introducing the remittance method, it is first necessary to declare that in this method, most of the operation steps are consistent with the remittance process only through credit granting, for example, how to remit money, how to repay, how to calculate debt interest, etc. For details, please refer to the introduction of the previous embodiment.

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 steps of:

Step 502, the asset issuer issues balance assets to be distributed and 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; 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.

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 in this embodiment, when issuing blockchain assets, 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 debt assets to be distributed are still issued according to the credit line. Correspondingly, when 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, the allocated available balance assets are also changed to be not greater than the total amount of the advance asset and the credit line; the allocated available liability assets are still not greater than 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 as the available liability assets and available balance 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.

It should be understood that in this embodiment, after the 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.

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 transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

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 institution can initiate a remittance transaction to the blockchain system under the instruction of the user, so that the blockchain system can transfer the available balance assets equal to the remittance amount in the first blockchain account to the second blockchain account corresponding to the second remittance institution according to the remittance amount contained in the remittance transaction.

As mentioned above, the first remittance institution 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 repayment transaction is used to instruct the blockchain system to deduct available liability assets equal to the above-mentioned off-chain assets from the first blockchain account.

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 liability interest corresponding to the available liability asset at the repayment time based on the time when the first blockchain account receives the available liability asset and the repayment time when the blockchain system receives the repayment transaction, and record the calculated liability 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 third blockchain account corresponding to the asset issuer.

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 upper limit of the available balance assets that can be allocated by the first blockchain account also rises 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.

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 refer to the introduction of the previous embodiments, and will not be described in detail below.

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 steps of:

Step 602: In the case of receiving the asset issuance transaction initiated by the asset issuer, issue the balance assets to be distributed and the liability assets to be distributed in the blockchain system to which it belongs according to the amount of the first remittance institution's advance assets at the asset issuer included in the asset issuance transaction and the credit line of the first remittance institution; wherein, the balance assets to be distributed are equal to the sum of the amount of the advance assets and the credit line, and the liability assets to be distributed are equal to the credit line.

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 debt assets to be distributed are still issued according to the credit line. Correspondingly, when 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, the allocated available balance assets are also changed to be not greater than the total amount of the advance asset and the credit line; the allocated available liability assets are still not greater than the credit line.

Step 604: According to the asset credit transaction initiated by the asset issuer upon 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 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.

It should be understood that in this embodiment, after the 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.

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 available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

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 institution can initiate a remittance transaction to the blockchain node under the instruction of the user, so that the blockchain node can transfer the available balance assets equal to the remittance amount in the first blockchain account to the second blockchain account corresponding to the second remittance institution according to the remittance amount contained in the remittance transaction.

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 deducts the available liability assets equal to the above-mentioned off-chain assets from the first blockchain account.

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 node can calculate the liability interest corresponding to the available liability asset at the repayment time based on the time when the first blockchain account receives the available liability asset and the repayment time when the blockchain system receives the repayment transaction, and record the calculated liability 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 third blockchain account corresponding to the asset issuer.

It can be seen from the above technical solution that 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 upper limit of the available balance assets that can be allocated to the first blockchain account also rises 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.

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.

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 steps of:

Step 701, remittance institution A sends off-chain assets to asset issuer C as advance assets.

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.

Step 702, the asset issuer C conducts a risk assessment on the remittance institution A.

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. The specific assessment method can refer to the introduction to Figure 4, and will not be repeated here.

In step 703, the asset issuer C generates an asset issuance transaction based on the evaluated credit line and the amount of advance assets.

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.

Step 704, the asset issuer C sends the generated asset issuance transaction to the blockchain system X.

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.

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, blockchain system X can issue 2700 balance assets to be distributed and 2000 liability assets to be distributed.

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 the asset allocation operation will only be performed when an asset credit transaction is received. 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:

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

Table 8

Step 706, the remittance institution A sends an asset credit request to the asset issuer C.

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.

Step 707, the asset issuer C generates an asset credit transaction based on the credit amount included in the asset credit request.

Step 708, the asset issuer C sends the generated asset credit transaction to the blockchain system X.

Step 709, the blockchain system X allocates the corresponding amount of balance assets and liability assets to be allocated to the blockchain account a corresponding to the remittance institution A according to the credit amount contained in the asset credit transaction, as the available balance assets and available liability assets of the remittance institution A.

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.

It should be stated that since the balance assets to be distributed issued in this embodiment are greater than the amount of the 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 the advance assets. If not, there is no need to transfer the liability assets to be distributed to the blockchain account a corresponding to the remittance institution A; if it is larger, a certain amount of liability assets to be distributed needs to be transferred to the blockchain account a.

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:

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

Table 9

Assuming that the credit amount is 900, then, in this step, blockchain system X needs to transfer the balance assets of 900 to the blockchain account a corresponding to the remittance institution A, and transfer the liability assets of 200 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:

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

Table 10

Step 710, remittance institution A sends a remittance transaction to blockchain system X.

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 performed under the instructions 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 generates a corresponding remittance transaction and sends it to blockchain system X to instruct blockchain system X to remit money.

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.

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.

Following the above example (taking the credit status 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:

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

Table 11

Step 712, the blockchain system X calculates the debt interest of the remittance institution A according to the repayment time.

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:

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 Asset Issuer C account c 1800 1800 0

Table 12

Of course, Table 12 is just an example of "recording debt interest separately". In actual operation, since the asset type of debt interest is a liability asset, it can also be recorded as a liability asset. In this case: the asset records of each blockchain account can be as shown in Table 13:

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

Table 13

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.

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:

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

Table 14

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 1804 1800

Table 15

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.

It can be seen from the above technical solution that this embodiment combines credit granting and advance funds, and can issue balance assets equal to the "sum of advance asset amount and credit limit" 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, and further increase the upper limit of the remittance amount to "the sum of advance asset amount and credit limit". 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.

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 logic unit, and may also be hardware or logic devices.

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:

The issuance unit 901, when 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 they belong, and the balance assets to be distributed and the liability assets to be distributed 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 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 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 remittance unit 903, when receiving the remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

Optionally, the issuing unit 901 is further used 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, issue balance assets and liability assets to be distributed that are equal to the credit line in the blockchain system to which it belongs, and 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.

Optionally, the issuing unit 901 is further used to:

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, issue balance assets to be distributed and liability assets to be distributed that are equal to the issuance amount respectively in the blockchain system to which it belongs, 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.

Optionally, the credit granting unit 902 is further used to:

According to the asset credit transaction initiated by the asset issuer upon 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 contained in the asset credit transaction are transferred to the first block chain account, and the amount of the assets does not exceed the credit limit of the first remittance institution.

Optionally, also include:

The repayment unit 904, according to the repayment transaction initiated by the asset issuer after receiving the off-chain assets sent by the first remittance institution, deducts available liability assets equal to the off-chain assets from the first blockchain account.

Optionally, also include:

The calculation unit 905 calculates the debt interest corresponding to the available debt asset at the repayment time based on the time when the first blockchain account receives the available liability asset and the repayment time when the blockchain node receives the repayment transaction, and records the debt interest in the first blockchain account; issues an interest asset belonging to the asset issuer in the blockchain system, the amount of the interest asset is equal to the liability interest, and is recorded in the third blockchain account corresponding to the asset issuer.

Optionally, also include:

The 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, deducts a corresponding amount of available balance assets from the second blockchain account; or,

In the case of receiving the asset exchange transaction initiated by the second remittance institution, deduct the balance assets in the second blockchain account equal to the exchange amount indicated by the asset exchange exchange, and send an exchange instruction 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 exchange transaction initiated by the asset issuer upon receiving the asset exchange request sent by the second remittance institution, the available balance assets equal to the exchange amount indicated in the asset exchange transaction are deducted from the second blockchain account; wherein, the asset exchange request is also used to instruct the asset issuer to remit the off-chain assets equal to the exchange amount to the second remittance institution.

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. Among them, the remittance device based on the blockchain system may include:

The issuing unit 1001, when 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 they belong, and the balance assets to be distributed and the liability assets to be distributed are equal in amount;

The credit granting unit 1002, 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 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 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 remittance unit 1003, when receiving the remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution.

Optionally, also include:

The repayment unit 1004, according to the repayment transaction initiated by the asset issuer after receiving the off-chain assets sent by the first remittance institution, deducts available liability assets equal to the off-chain assets from the first blockchain account.

Optionally, also include:

The calculation unit 1005 calculates the debt interest corresponding to the available debt asset at the repayment time based on the time when the first blockchain account receives the available liability asset and the repayment time when the repayment transaction is received by the blockchain system, and records the debt interest in the first blockchain account; issues an interest asset belonging to the asset issuer in the blockchain system, the amount of the interest asset is equal to the liability interest, and is recorded in the third blockchain account corresponding to the asset issuer.

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 can be in 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 console, tablet computer, wearable device, or any combination of these devices.

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.

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 storage media for a computer 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 technologies, compact disc read only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic 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 a computing device. As defined herein, computer-readable media excludes transitory computer-readable media, such as modulated data signals and carrier waves.

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 other elements not expressly listed or which are inherent in such a process, method, article, or apparatus. 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.

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.

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.

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 the present 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."

The above is only a preferred embodiment of one or more embodiments of this specification, and is not intended to limit one or more embodiments of this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principles of one or more embodiments of this specification shall be included within the scope of protection of one or more embodiments of this specification.

Claims (24)

1. A method of remittance based on a blockchain system, comprising: 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; 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 block chain 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 first remittance institution sends to the blockchain system a remittance transaction for instructing remittance to the second remittance institution, so that the blockchain system transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution. 2. According to the method of claim 1, the asset issuer issues balance assets to be distributed and liability assets to be distributed in the blockchain system, including: According to the credit line of the first remittance institution, the asset issuer issues balance assets and liability assets to be distributed equal to the credit line in the blockchain system, and the balance assets to be distributed and liability assets to be distributed can only be allocated to the first blockchain account corresponding to the first remittance institution. 3. The method according to claim 1, the asset issuer issues balance assets to be distributed and liability assets to be distributed in the blockchain system, including: 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. The method according to claim 2 or 3, wherein 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, including: 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, the balance assets to be distributed and the liability assets to be distributed equal to the asset amount are transferred to the first blockchain account. 5. The method of claim 1, further comprising: 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 deduct available liability assets equal to the off-chain assets from the first blockchain account. 6. The method of claim 5, further comprising: The blockchain system calculates the liability interest corresponding to the available liability asset at the repayment time based on the time when the first blockchain account receives the available liability asset and the repayment time when the blockchain system receives the repayment transaction, and records the liability interest in the first blockchain account; The asset issuer issues interest assets belonging 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 third blockchain account corresponding to the asset issuer. 7. The method of claim 1, further comprising: 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 deduct a corresponding amount of available balance assets from the second blockchain account; or, The blockchain system receives the asset exchange transaction sent by the second remittance institution, so as to deduct the available balance assets in the second blockchain account equal to the exchange amount indicated by the asset exchange exchange, and send an exchange instruction to the asset issuer, so that the asset issuer remits a corresponding amount of off-chain assets to the second remittance institution; or, 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 deduct the available balance assets equal to the exchange amount indicated in the asset exchange transaction from the second blockchain account, and send the off-chain assets equal to the exchange amount to the second remittance institution. 8. A method of remittance based on a blockchain system, comprising: 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; 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; 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 as 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 to the blockchain system a remittance transaction for instructing remittance to the second remittance institution, so that the blockchain system transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution. 9. The method of claim 8, further comprising: 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 deduct available liability assets equal to the off-chain assets from the first blockchain account. 10. The method of claim 9, further comprising: The blockchain system calculates the liability interest corresponding to the available liability asset at the repayment time based on the time when the first blockchain account receives the available liability asset and the repayment time when the blockchain system receives the repayment transaction, and records the liability interest in the first blockchain account; The asset issuer issues interest assets belonging 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 third blockchain account corresponding to the asset issuer. 11. A remittance method based on a blockchain system, applied to blockchain nodes, including: 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; According to the asset credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution, the undistributed balance assets and undistributed liability assets 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 liability assets corresponding to the first remittance institution, and the amounts of the available balance assets and the available liability assets are equal; 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 are transferred to the second blockchain account corresponding to the second remittance institution. 12. 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: 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 balance assets and liability assets to be distributed that are equal to the credit line in the blockchain system to which it belongs, and 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. 13. 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: 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, issue balance assets to be distributed and liability assets to be distributed that are equal to the issuance amount respectively in the blockchain system to which it belongs, 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. 14. The method according to claim 12 or 13, wherein according to the asset credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution, 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 are allocated to the first blockchain account corresponding to the first remittance institution, including: According to the asset credit transaction initiated by the asset issuer upon 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 contained in the asset credit transaction are transferred to the first block chain account, and the amount of the assets does not exceed the credit limit of the first remittance institution. 15. The method of claim 11, further comprising: 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. The method of claim 15, further comprising: 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 liability interest corresponding to the available liability assets at the repayment time, and record the liability interest in the first blockchain account; The interest assets belonging to the asset issuer are issued in the blockchain system, and the amount of the interest assets is equal to the interest on the debt, and is recorded in the third blockchain account corresponding to the asset issuer. 17. The method of claim 11, further comprising: According to the asset exchange transaction initiated by the asset issuer when the off-chain assets equal to the amount indicated in the remittance transaction are remitted to the second remittance institution, a corresponding amount of available balance assets is deducted from the second blockchain account; or, In the case of receiving the asset exchange transaction initiated by the second remittance institution, deduct the balance assets in the second blockchain account equal to the exchange amount indicated by the asset exchange exchange, and send an exchange instruction 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 exchange transaction initiated by the asset issuer upon receiving the asset exchange request sent by the second remittance institution, the available balance assets equal to the exchange amount indicated in the asset exchange transaction are deducted from the second blockchain account; wherein, the asset exchange request is also used to instruct the asset issuer to remit the off-chain assets equal to the exchange amount to the second remittance institution. 18. A remittance method based on a blockchain system, applied to blockchain nodes, comprising: In the case of receiving the asset issuance transaction initiated by the asset issuer, according to the asset issuance transaction amount of the first remittance institution’s advance asset in the asset issuer and the credit line of the first remittance institution, issue the balance asset to be distributed and the liability asset to be distributed in the blockchain system to which it belongs; 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 credit transaction initiated by the asset issuer upon receiving the asset credit request sent by the first remittance institution, the first amount of undistributed balance assets and the second amount of undistributed liability 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, the first amount is not greater than the sum, and the second amount is not greater than the credit line; 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 are transferred to the second blockchain account corresponding to the second remittance institution. 19. The method of claim 18, further comprising: 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. The method of claim 19, further comprising: 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 liability interest corresponding to the available liability assets at the repayment time, and record the liability interest in the first blockchain account; The interest assets belonging to the asset issuer are issued in the blockchain system, and the amount of the interest assets is equal to the interest on the debt, and is recorded in the third blockchain account corresponding to the asset issuer. 21. A remittance device based on a blockchain system, applied to blockchain nodes, comprising: The issuing unit, when 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 are equal in amount; The credit granting unit, 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 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 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 remittance unit, when receiving a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution. 22. A remittance device based on a blockchain system, applied to blockchain nodes, comprising: The issuing unit, when receiving the asset issuance transaction initiated by the asset issuer, issues the balance asset to be distributed and the liability asset to be distributed in the blockchain system to which it belongs according to the amount of the first remittance institution's advance asset in the asset issuer included in the asset issuance transaction and the credit line of the first remittance institution; 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; The credit granting unit, 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 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 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 a remittance transaction initiated by the first remittance institution for instructing remittance to the second remittance institution, transfers the available balance assets in the first blockchain account equal to the amount indicated in the remittance transaction to the second blockchain account corresponding to the second remittance institution. 23. An electronic device comprising: processor; memory for storing processor-executable instructions; Wherein, the processor implements the method according to any one of claims 11-20 by running the executable instructions. 24. 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 realized.