TWI722553B - Device for converting physical assets into encrypted assets - Google Patents

Abstract

A device for converting physical assets into encrypted assets, which is a platform that matches at least one buyer member to purchase at least one seller member’s assets. The network platform includes a member review module, a product listing module, It consists of an asset available for sale notification module, an encrypted asset issuance module, a transaction processing module, and a market transaction module. With this, the applicant's distributed ledger protocol (Protocol) is used to convert physical assets into encrypted assets. Many tangible assets can be directly listed on the online platform for trading. Once the platform is approved, the consensus algorithm can be used Directly carry out the Tokenizing process, which is convenient and saves money.

Description

Device for converting physical assets into encrypted assets

The present invention relates to a device for converting physical assets into encrypted assets, in particular to a device that uses a distributed ledger protocol (Protocol) to convert physical assets into encrypted assets, and especially refers to tangible assets that can be reviewed and approved by the platform. Tokenizing assets directly through consensus algorithms and listing them on online platforms for trading.

In recent years, with the popularization and vigorous development of financial technology, various financial technology applications have sprung up, such as online banking, cryptocurrency, mobile payment tools, and so on.

At present, the development direction of financial technology is the Internet of finance, allowing the traditional banking industry to use the Internet to serve customers in order to reduce manpower requirements and improve convenience, and ultimately achieve the goal of de-banking. However, because most banking businesses need to bear a considerable degree of risk, they usually have cumbersome and rigorous regulations, operating procedures, capital requirements, etc., and are combined with layers of manual verification, reconciliation, review, and confirmation procedures. As a result, it is still difficult to fully realize the commercialization of physical assets.

In view of this, some manufacturers have proposed to digitize various documents and signatures, and use certificates and regulations to improve security to carry out asset commercialization business. However, this method usually uses a closed system, and its centralized architecture is difficult for users and investors to feel safe and reliable, so investors’ acceptance is not high. In other words, the closed system of this centralized architecture is still Can not effectively solve the problem of the convenience and reliability of the commercialization of physical assets.

As mentioned above, it can be seen that the prior art has always had the problem of the convenience and reliability of the commercialization of physical assets for a long time. Therefore, in order to solve the various deficiencies of conventional use, the inventors of this case have devoted themselves to research and developed a substantive asset conversion. It is a device for encrypting assets to effectively improve the shortcomings of conventional use.

The main purpose of the present invention is to overcome the above-mentioned problems encountered by the prior art and to provide a method of using the applicant's distributed ledger protocol to convert physical assets into encrypted assets, which enables many tangible assets to be directly listed on this network platform. For trading, when the platform is approved, the asset tokenization process can be directly carried out through the consensus algorithm, which is a convenient and money-saving device for converting real assets into encrypted assets.

To achieve the above objectives, the present invention is a device for converting physical assets into encrypted assets. It has an online platform for at least one buyer member to purchase at least one seller member’s assets. The online platform includes: a member review Module, used to execute a membership registration contract (Rigistry contract) program, receive requests from at least one asset owner (Asset Owner) to join the seller member, review the seller member's registration information, and receive at least one investor application Join the buyer’s member request, and review the buyer’s member’s registration information and payment procedures; a product listing module, which is connected to the member review module, is to receive at least one substantial asset of at least one asset owner who has passed the seller’s membership review and registration Data, which has been processed by a physical asset registry chain (Asset Registry Chain, ARC) and proved to be a real physical asset after the platform has reviewed and confirmed that it has at least one physical asset data after encryption algorithm, in order to accept at least one After setting the selling price, estimated rate of return, product life cycle and the upper limit of the single investment amount in the material asset data, it shows that there are relevant The at least one piece of physical asset data is one-hand market transaction information; one-hand asset is available for sale notification module, which is connected to the product listing module, and is aimed at at least one investor who has passed the buyer’s membership review and registration. One-hand market transaction information of the asset data is given to the buyer member; an encrypted asset issuance module, which is connected to the first-hand asset sale notification module, is to automatically deploy the smart contract group after the product is put on the shelf, including the execution of a fundraising contract ( The Crowd Funding Contract program, the TokenController Contract program, and the HCAT721 Contract program operate. Based on the at least one physical asset data and one-hand market transaction information, the buyer member is interested in buying the substance Assets are tokenized and sold to the buyer member, and then the proceeds of the actual asset are distributed to the buyer member during the period when the buyer member holds the asset; a transaction processing module that connects to the buyer through an external network The electronic device of the member, after calculating the price of the physical asset purchased by the buyer member through the platform, transfers the buyer member to the seller member in an information-based way, so that the ownership of the physical asset will be transferred to the original asset owner Transfer to the investor who purchased on the online platform (that is, the buyer member), and record the transaction in the investor’s wallet address in the form of tokens; and a second-hand market transaction module that connects to the crypto asset issuance model Group and the buyer’s investor wallet, accept a buyer member to register the purchase intention of the physical asset to be purchased on the online platform, and at the same time accept a seller member to express the intention to sell the physical asset to be sold on the website The road platform is registered to perform 2nd Market matchmaking transactions, and to ensure that the seller member can get the transaction price after the transaction is successful, and to ensure that the buyer member can get the real assets after the transaction is successful, and the transaction result It is recorded in a distributed ledger, and provides evidence that the transaction cannot be denied and cannot be tampered with.

In the above-mentioned embodiment of the present invention, a member database is further included, which is connected to the member review module for depositing and accessing the seller member information of the at least one asset owner, or the at least one investment The buyer’s member information of the individual to facilitate the classification and management of investors in accordance with national laws and regulations.

In the above embodiment of the present invention, the seller member information stored in the member database includes the relevant information entered during registration and the wallet address (AssetBook address) associated with at least one qualified asset owner; and the member database stores the relevant information. The buyer's member information includes the relevant information entered during registration, as well as the wallet address and Ethereum private key associated with at least one qualified investor.

In the above-mentioned embodiment of the present invention, the asset owner entrusts an asset manager (Asset Manager) unit to be entrusted to transfer at least one of its physical asset data to the network platform for management work such as tokenization and subsequent operations. The manager unit inquires whether at least one piece of physical asset data of the asset owner has been reviewed and confirmed through the network platform to the physical asset registration transaction chain and has been processed by the physical asset registration transaction chain and has a real asset existence certificate and asset Prove-of-asset information (Prove-of-asset), and when it proves to be a real asset, it will be submitted to the product listing module of the online platform to display at least one physical asset data of the asset owner to show that it is a marketable hand Market transaction information.

In the above-mentioned embodiment of the present invention, the encrypted asset issuance module is the backstage system of the network platform. After the product is put on the shelves, it takes the lead to execute the fundraising contract program and the token controller contract program, using the fundraising contract program Record the wallet address of the buyer member and register each transaction data of the buyer member. The token controller contract program records all important time of each sales project, including when the project started, when the fundraising started, and the When the buyer member’s order comes in, whether the order is expired or expired, the payment time, the payment deadline, and the time when the token is to be launched.

In the above-mentioned embodiment of the present invention, the token controller contract program further records the handling of emergencies, including public power intervention, and the occurrence of major natural disasters and wars. Man-made uncontrollable events are handled by the asset manager unit and the network platform according to the situation, and their status and status changes are recorded.

In the above-mentioned embodiment of the present invention, the encrypted asset issuance module further includes executing a product manager contract program and a platform contract program, using the product manager contract program to execute the fundraising contract program, The token controller contract program and the HCAT721 contract program are recorded in the same group for management, and the platform contract program is notified after the fundraising contract program ends, and the platform contract program signs the HCAT721 contract program in accordance with the fundraising The wallet address of the buyer member recorded in the contract program sends the amount of tokens generated by the HCAT721 contract program to the wallet address of the buyer member.

In the above-mentioned embodiment of the present invention, the transaction processing module performs the execution action of the transaction cash flow, and transfers the price of the purchased physical asset through a buyer's transaction processing module after the order is confirmed, so that it can be transferred correctly To the seller's member.

In the foregoing embodiment of the present invention, the transaction processing module is a banker device, a third-party payment (Payment Service Provider) device or any acquiring institution device.

1: Member review module

11: Member registration contract program

2: Product shelf module

3: First-hand asset sale notification module

4: Encrypted asset issuance module

41: Fundraising Contract Program

42: Token Controller Contract Program

43: HCAT721 contract program

44: Product Manager Contract Program

45: Platform contract program

5.5a: Transaction processing module

6: Second-hand market trading module

7: Asset owner

71: Seller Member

72: Physical asset information

8: Investor

81: Buyer Member

9: Asset Manager Unit

Figure 1 is a schematic diagram of the structure of the device for converting a substantial asset into an encrypted asset according to the present invention.

Figure 2 is a schematic diagram of the process of converting a substantial asset into an encrypted asset according to the present invention.

Please refer to "Figure 1 and Figure 2", which are the actual assets transfer of the present invention. A schematic diagram of the device structure for converting into encrypted assets, and a schematic diagram of the process of converting the substantial assets into encrypted assets of the present invention. As shown in the figure: the present invention is a device for converting real assets into encrypted assets. It has a network platform for at least one buyer member to purchase at least one seller member’s assets, and the network platform includes a member review module 1. A product launching module 2, a first-hand asset sale notification module 3, an encrypted asset issuance module 4, a transaction processing module 5, and a second-hand market transaction module 6.

The aforementioned member review module 1 is used to execute a membership registration contract (Rigistry contract) program 11, receive requests from at least one asset owner (Asset Owner) 7 to join the seller member 71, and review the seller member 71’s request Register information, and receive a request from at least one investor 8 to join the buyer member 81, and review the registration information and payment procedures of the buyer member 81. Among them, the member review module 1 further includes connecting to a member database for storing and retrieving the seller member 71 information of the at least one asset owner 7. The seller member information includes the relevant information entered during registration (such as account number, password) , And the wallet address (AssetBook address) associated with at least one qualified asset owner; the member database can also be used to store and retrieve the buyer member 81 information of the at least one investor 8. The buyer member information includes the information entered during registration Relevant information (such as verification information such as real name), wallet address, Ethereum private key, etc. associated with at least one qualified investor.

The product launching module 2 is connected to the member reviewing module 1, and is to receive at least one physical asset data 72 of at least one asset owner 7 who has passed the seller’s membership review and registration, which has been reviewed and confirmed by the platform to have registered a physical asset of the applicant Transaction chain (Asset Registry Chain, ARC) processes and proves to be a real physical asset, and at least one physical asset data 72 after encryption algorithm, in order to accept at least one physical asset data 72 to set the selling price and estimate the report After the remuneration rate, product life cycle and the upper limit of the single investment amount, there are 72 first-hand market transaction information about the at least one physical asset.

The first-hand asset available for sale notification module 3 is connected to the product listing module 2, and is aimed at at least one investor 8 who has passed the buyer’s member review and registration, and releases at least one physical asset data 72 that can be purchased first-hand market transaction information to the buyer member 81.

The encrypted asset issuance module 4 is connected to the first-hand asset sale notification module 3, which automatically deploys a smart contract group after the product is put on the shelves, including the execution of a Crowd Funding Contract program 41 and a token controller contract (TokenController Contract) program 42, and a HCAT721 contract (HCAT721 Contract) program 43 operate, based on the at least one piece of physical asset data 72, one-hand market transaction information, to tokenize the physical assets that the buyer member 81 is interested in purchasing (Tokenizing) It is then sold to the buyer member 81, and the proceeds of the actual asset are subsequently distributed to the buyer member 81 during the period when the buyer member holds the assets.

The transaction processing module 5 is connected to the electronic device (not shown in the figure) of the buyer member 81 through an external network, and the transaction processing module 5 performs transaction cash flow execution actions to obtain the actual assets purchased by the buyer member 81 The price is calculated by a seller’s transaction processing module 5a through the platform, and then the buyer member is transferred to the seller member 71 in an information-based way, so that the ownership of the physical asset is transferred from the original asset owner 7 to the seller member. Investor 8 (that is, the buyer member) purchased on the online platform records the transaction in the investor's wallet address in the form of tokens. Wherein, the transaction processing module can be a banker device, a third-party payment (Payment Service Provider) device, or any acquiring institution device.

The second-hand market transaction module 6 connects the encrypted asset issuance module 4 with the buyer and seller Investor wallet, accept a buyer member 81 to register the purchase intention of the physical asset to be purchased on the online platform, and at the same time accept a seller member 71 to indicate the intention to sell the physical asset to be sold on the online platform Register to perform a second-hand market (2nd Market) matchmaking transaction, and ensure that the seller member 71 can get the transaction price after the transaction is successful, and ensure that the buyer member 81 can get the real assets after the transaction is successful, and the transaction result It is recorded in a distributed ledger of the applicant, providing evidence that the transaction cannot be denied and cannot be tampered with. If so, the structure disclosed above constitutes a new device for converting real assets into encrypted assets.

When used, real-world assets are registered in the corresponding government departments. The present invention uses the physical asset registration transaction chain to extract government department information to the physical asset registration transaction chain for registration. When these asset owners7, asset manager units9 or this online platform want to issue encrypted assets, they only need to go to the physical asset registration transaction chain for inquiries, and the content of the query includes at least one physical asset data for these asset owners7 Whether 72 really exists, and whether there is any status of issuance, sale, bidding, lending, fundraising, and transfer, it can confirm the authenticity and validity of its asset-related information, which is very convenient. Because it is very convenient to block the sale of one thing and two for encrypted assets on the blockchain, it is relatively difficult to block the sale of one thing and two for physical assets in the real world, and the risk is high. The present invention achieves a convenient query function through the physical asset registration transaction chain, which is a block chain. When the physical asset is to be tokenized, the asset owner 7 entrusts an asset manager unit 9, such as an investment manager , Tokenize at least one of its physical asset data 72 (for example: Tai Neng Yang Power Plant), the asset manager unit 9 inquires about at least one physical asset of the asset owner 7 through the network platform to the physical asset registration transaction chain Whether the data 72 has been audited and confirmed that it has been processed by the actual asset registration transaction chain and has real asset existence proof and asset status proof (Prove-of-asset) information, and when it is proved to be a real asset The product listing module 2 delivered to the online platform displays at least one piece of physical asset data 72 of the asset owner 7 to display its primary market transaction information. After being reviewed by the network platform and the asset manager unit 9, these data will enter the encrypted asset issuance module 4, which is the back-end system of the network platform, which can be automatically deployed after the product is put on the shelf. The fundraising contract program 41 and the token controller contract program 42. The fundraising contract program 41 records the wallet address of the buyer member 81 and registers each transaction data of the buyer member 81. The token controller contract program 42 records all the important time of each sales project, including: when the project started, when the fundraising started, when the order of the buyer member 81 came in, whether the order expired or Expired (expired), payment time, payment deadline, and token launch time, etc.; the token controller contract program 42 further records the handling of emergencies, and the emergencies include public powers Intervention, major natural disasters and wars and other man-made uncontrollable events, according to the situation, the asset manager unit 9 and the network platform respectively carry out emergency treatment, and record their status and changes in status.

The aforementioned encrypted asset issuance module 4 further includes a product manager contract (Product Manager Contract) program 44 and a platform contract (Platform Contract) program 45. The product manager contract program 44 will automatically record the fundraising contract program 41, the token controller contract program 42 and the HCAT721 contract program 43 into the same group for management, so that it will not be confused with other assets, and will After the fundraising contract program 41 ends, the platform contract program 45 will be notified. After the platform contract program 45 signs the HCAT721 contract program 43, it will transfer the HCAT721 to the wallet address of the buyer member 81 recorded in the fundraising contract program 41. The amount of tokens generated by the contract program 43 is sent to the wallet address of the buyer member 81.

The transaction processing module 5 performs the execution action of the transaction cash flow, and the buyer member The price of the purchased physical asset 81 is correctly transferred to the seller member 71 after the order is confirmed by the transaction processing module 5a of a seller.

In summary, the present invention is a device for converting physical assets into encrypted assets, which can effectively improve the various shortcomings of conventional use. Using the applicant's distributed ledger protocol (Protocol) to convert physical assets into encrypted assets can make many Tangible assets are directly listed on the online platform for trading. After the platform is approved, the Tokenizing process can be directly carried out through the consensus algorithm, which is convenient and saves money, and makes the production of the present invention more advanced and more efficient. It is practical and more in line with the needs of users, and it has indeed met the requirements of an invention patent application. A patent application is filed in accordance with the law.

However, the above are only the preferred embodiments of the present invention, and should not be used to limit the scope of implementation of the present invention; therefore, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the description of the invention , Should still fall within the scope of the invention patent.

1: Member review module

11: Member registration contract program

2: Product shelf module

3: First-hand asset sale notification module

4: Encrypted asset issuance module

41: Fundraising Contract Program

42: Token Controller Contract Program

43: HCAT721 contract program

44: Product Manager Contract Program

45: Platform contract program

5.5a: Transaction processing module

6: Second-hand market trading module

7: Asset owner

71: Seller Member

72: Physical asset information

8: Investor

81: Buyer Member

Claims (7)

A device for converting physical assets into encrypted assets. It has a network platform for at least one buyer member to purchase at least one seller member’s assets. The network platform includes: a member review module for performing a member registration The Rigistry contract program receives the request from at least one asset owner (Asset Owner) to join the seller’s member, reviews the registration information of the seller’s member, and receives at least one investor’s request to join the buyer’s member, and reviews the request The registration information and payment procedures of the buyer’s member; a product launching module, which is connected to the member review module, is to receive at least one substantial asset data of at least one asset owner who has passed the seller’s membership review and registration, which has been reviewed and confirmed by the platform A physical asset registration transaction chain (Asset Registry Chain, ARC) processed and proved to be at least one physical asset data after the encryption algorithm is used to accept at least one physical asset data to set the investment price and estimate After the rate of return, product life cycle, and the upper limit of the single investment amount, the first-hand market transaction information about the at least one physical asset data is displayed; the first-hand asset sale notification module, which is connected to the product listing module, is aimed at the approval The buyer member reviews at least one registered investor, and publishes at least one piece of real asset data that can be purchased and one-hand market transaction information to the buyer member; an encrypted asset issuance module, which connects to the first-hand asset sale notification module, is completed The smart contract group is automatically deployed after the product is on the shelf, including the execution of a Crowd Funding Contract program and a token controller contract (TokenController Contract) program and a HCAT721 contract (HCAT721 Contract) program, based on the at least one physical asset data and one-hand market transaction information, the buyer member is interested in tokenizing the physical assets that the buyer member is interested in buying and then sells it to the The buyer member, subsequently distributes the proceeds of the actual asset to the buyer member during the period when the buyer member holds the asset; among them, the encrypted asset issuance module is the backstage system of the network platform, which will be executed first after the product is put on the shelf. The fundraising contract program and the token controller contract program are used to record the wallet address of the buyer member with the fundraising contract program, and each transaction data of the buyer member is registered, and the token controller contract program records every sale All important time of the project, including when the project started, when the fundraising began, when the buyer member’s order came in, whether the order expired or expired, payment time, payment deadline, and The time when the token is to be launched; the encrypted asset issuance module further includes the execution of a product manager contract program and a platform contract program, and the fundraising contract is executed by the product manager contract program The program, the token controller contract program and the HCAT721 contract program are recorded in the same group for management, and the platform contract program will be notified after the fundraising contract program ends. The platform contract program will follow the HCAT721 contract program after signing the contract. The wallet address of the buyer member recorded in the fundraising contract program sends the amount of tokens generated by the HCAT721 contract program to the buyer member’s wallet address; a transaction processing module that connects to the buyer member’s electronic device through an external network, After calculating the price of the physical asset purchased by the buyer member through the platform, the buyer member is transferred to the seller member in an informatized manner, so that the ownership of the physical asset is transferred from the original asset owner to the website. Road platform The investor (the buyer’s member), and records transactions in the investor’s wallet address in the form of tokens; and a second-hand market transaction module that connects the encrypted asset issuance module with the buyer’s investor wallet and accepts one The buyer member will register the intention to purchase the physical asset to be purchased on the online platform, and at the same time accept a seller member to register the intention to sell the physical asset to be sold on the online platform to execute the second-hand market ( 2nd Market) match transactions, and ensure that the seller member can get the transaction price after the transaction is successful, and ensure that the buyer member can get the real assets after the transaction is successful, and record the transaction results in a distributed ledger, providing Record evidence that the transaction cannot be denied and cannot be tampered with. The device for converting physical assets into encrypted assets as described in item 1 of the scope of patent application, which also includes a member database, which is connected to the member review module for storage and retrieval of at least one asset owner’s seller member information , Or the buyer's member information of at least one investor to facilitate the classification and management of investors in accordance with national laws and regulations. The device for converting physical assets into encrypted assets as described in item 2 of the scope of patent application, wherein the seller member information stored in the member database includes relevant information entered during registration and a wallet associated with at least one qualified asset owner Address (AssetBook address); and the buyer's member information stored in the member database includes the relevant information entered during registration, as well as the wallet address and Ethereum private key associated with at least one qualified investor. The device for converting physical assets into encrypted assets as described in item 1 of the scope of patent application, wherein the asset owner entrusts an asset manager (Asset Manager) unit to be entrusted with at least one physical asset data to the network platform Token For the management of transformation and subsequent operations, the asset manager unit inquires through the online platform to the physical asset registration transaction chain to check whether at least one piece of physical asset data of the asset owner has been reviewed and confirmed by the physical asset registration transaction chain and Have a real asset existence certificate and asset status proof (Prove-of-asset) information, and when it proves to be a real asset, it will be handed over to the product listing module of the network platform at least one substantial amount of the asset owner The listing of asset information shows that it is a marketable transaction information. The device for converting physical assets into encrypted assets as described in item 1 of the scope of patent application, in which the token controller contract program further records the handling of emergency situations, including the intervention of public power, and the occurrence of major natural disasters and wars The person is an uncontrollable event. According to the situation, an asset manager unit and the network platform are responsible for emergency disposal, and their status and changes in status are recorded. The device for converting physical assets into encrypted assets as described in the first item of the scope of patent application, wherein the transaction processing module executes the execution action of the transaction cash flow, and processes the price of the purchased physical assets through a buyer's transaction processing After the order is confirmed, the module will be transferred to the seller member correctly. The device for converting physical assets into encrypted assets as described in item 6 of the scope of patent application, wherein the transaction processing module is a banker device, a third-party payment (Payment Service Provider) device or any acquiring institution device.

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