CN113469817A

CN113469817A - Asset transfer method and device

Info

Publication number: CN113469817A
Application number: CN202110766916.8A
Authority: CN
Inventors: 陈聪明; 王林青; 林锋
Original assignee: Alipay Hangzhou Information Technology Co Ltd; Ant Blockchain Technology Shanghai Co Ltd
Current assignee: Shanghai Ant Chuangjiang Information Technology Co ltd
Priority date: 2021-07-07
Filing date: 2021-07-07
Publication date: 2021-10-01
Also published as: WO2023279965A1

Abstract

One or more embodiments of the present description provide an asset transfer method and apparatus; the method can comprise the following steps: determining a first member in the downlinked asset transfer link and a second member located downstream from the first member in response to an asset transfer request between a payor and a payee; wherein the asset transfer request comprises asset transfer-out description information corresponding to the first member and asset transfer-in description information corresponding to the second member; and under the condition that the first member and the second member are both accessed to the same local clearing system, initiating an asset transfer request to the local clearing system so that the local clearing system performs asset transfer on the asset account of the first member in the local clearing system according to the asset transfer description information and performs asset transfer on the asset account of the second member in the local clearing system according to the asset transfer description information.

Description

Asset transfer method and device

Technical Field

One or more embodiments of the present disclosure relate to the field of computer technologies, and in particular, to an asset transfer method and apparatus.

Background

In the current remittance scenario, when an asset transfer-out object transfers assets to an asset account set by an asset transfer-in object at a second financial institution by using an asset account set by the asset transfer-out object at a first financial institution, the asset transfer related to the first financial institution and the second financial institution can be realized only by setting a special asset account at the other financial institution of the first financial institution and the second financial institution, and the problems of high cost for constructing an asset transfer network, long asset transfer period, high asset transfer cost and the like exist.

Disclosure of Invention

In view of the above, one or more embodiments of the present disclosure provide an asset transfer method and apparatus.

To achieve the above object, one or more embodiments of the present disclosure provide the following technical solutions:

according to a first aspect of one or more embodiments herein, there is provided an asset transfer method applied to any member of a down-link asset transfer link between a payer and a payee; the method comprises the following steps:

determining a first member in the downlinked asset transfer link and a second member located downstream from the first member in response to an asset transfer request between a payor and a payee; wherein the asset transfer request comprises asset transfer-out description information corresponding to the first member and asset transfer-in description information corresponding to the second member;

and under the condition that the first member and the second member are both accessed to the same local clearing system, initiating an asset transfer request to the local clearing system so that the local clearing system performs asset transfer on the asset account of the first member in the local clearing system according to the asset transfer description information and performs asset transfer on the asset account of the second member in the local clearing system according to the asset transfer description information.

According to a first aspect of one or more embodiments herein, there is provided an asset transfer device for use with any member of a down-link asset transfer link between a payer and a payee; the device comprises:

a determining unit for determining a first member and a second member located downstream of the first member in the downlinked asset transfer link in response to an asset transfer request between a payor and a payee; wherein the asset transfer request comprises asset transfer-out description information corresponding to the first member and asset transfer-in description information corresponding to the second member;

and the request initiating unit is used for initiating an asset transfer request to the local clearing system under the condition that the first member and the second member are both accessed to the same local clearing system, so that the local clearing system performs asset transfer on the asset account of the first member in the local clearing system according to the asset transfer description information and performs asset transfer on the asset account of the second member in the local clearing system according to the asset transfer description information.

According to a third aspect of one or more embodiments of the present specification, there is provided an electronic device. The electronic device includes:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the method of the first aspect by executing the executable instructions.

According to a fourth aspect of one or more embodiments of the present description, a computer-readable storage medium is presented, having stored thereon computer instructions which, when executed by a processor, implement the steps of the method according to the first aspect.

Drawings

FIG. 1 is a flow chart of a method for asset transfer provided by an exemplary embodiment.

FIG. 2 is a schematic diagram of an asset transfer link provided by an exemplary embodiment.

FIG. 3 is a flow chart of another asset transfer method provided by an exemplary embodiment.

FIG. 4 is a flow chart of another asset transfer method provided by an exemplary embodiment.

Fig. 5 is a schematic structural diagram of an apparatus according to an exemplary embodiment.

Fig. 6 is a block diagram of an asset transfer device provided in an exemplary embodiment.

Detailed Description

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, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.

It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.

FIG. 1 is a flow chart of a method for asset transfer provided by an exemplary embodiment. As shown in fig. 1, the method may include the steps of:

step 102, in response to an asset transfer request between a payer and a payee, determining a first member in the downlinked asset transfer link and a second member located downstream of the first member; wherein the asset transfer request comprises asset transfer-out description information corresponding to the first member and asset transfer-in description information corresponding to the second member.

In one embodiment, an "asset" in this specification may include any type, such as cash, securities, stocks, etc., such as devices, vehicles, real estate, goods, etc., and this specification is not intended to be limiting.

In an embodiment, either member may determine, in response to an asset transfer request between a payer and a payee, a first member and a second member located downstream from the first member in a down-link asset transfer link between the payer and the payee. Wherein the asset transfer request may be initiated by the payer, the payee, or any member. Any of the above members may be located at any link in the downlinked asset transfer link. For example, any one of the members may be the first member or the second member described above, or may be another member different from the first member and the second member. For another example, the any member may be the first member in the down-link asset transfer link, or may be other members that are not the first member, etc. Each member of the down-link asset transfer link may be a bank or financial institution or the like, and this description is not intended to be limiting. Because the payer and the payee do not set up accounts at the same financial institution, the property transfer from the payer to the payee can be realized only by carrying out multiple property transfers between the payer and the payee through multiple financial institutions. For example, the property transfer is performed from the payer to the financial institution 1, from the financial institution 2 to the financial institution 3, and from the financial institution 3 to the payee. Then, if it is necessary to perform the above-mentioned asset transfer process, it is necessary to select financial institutions 1-3 from a plurality of financial institutions and determine the asset transfer direction as asset transfer from financial institution 1 to financial institution 2 and asset transfer from financial institution 2 to financial institution 3, and this information describing the financial institutions and their asset transfer directions with respect to each other is equivalent to forming a logical link, i.e., an asset transfer link, between the selected financial institutions. Since the above-described asset transfer occurs under-chain, it may be referred to as an above-described under-chain asset transfer link. The financial institution elected to be the down-link asset transfer link may be referred to as a member. The down-link asset transfer link may be used to indicate the direction of asset transfer between the various members it contains, which the payer may utilize to perform the down-link asset transfer operation for the payee.

And 104, under the condition that the first member and the second member are both accessed to the same local clearing system, initiating an asset transfer request to the local clearing system so that the local clearing system performs asset transfer to the asset account of the first member in the local clearing system according to the asset transfer description information and performs asset transfer to the asset account of the second member in the local clearing system according to the asset transfer description information.

In one embodiment, where both the first member and the second member access the same local clearing system, both the first member and the second member have asset accounts disposed within the local clearing system. The local clearing system is a system for clearing the debt and debt relationship among traders in a country or region, each trader is provided with an asset account in the local clearing system, after every preset period, the asset account arranged in the local clearing system can be used for carrying out the asset settlement corresponding to the debt and debt relationship among the traders, and the process of realizing the asset settlement by using the local clearing system is delayed because the preset period is long, for example, 24 hours, 7 days or 30 days and the like. In the embodiment of the present description, the above-mentioned asset accounts that are set up by the first member and the second member in the same local clearing system may be used to implement a fast asset transfer operation, and it is not necessary for any member of the first member and the second member to set an account for asset transfer specifically at another member, and an existing local clearing system may be fully used, which may not only reduce the cost required for implementing asset transfer between the first member and the second member, but also improve the efficiency of asset transfer between the first member and the second member. Any of the members may generate an asset transfer request between the first member and the second member and send the generated asset transfer request to the local clearing system. Accordingly, the local clearing system can respond to the asset circulation request, carry out asset transfer-out on the asset account of the first member in the local clearing system according to the asset transfer-out description information, and carry out asset transfer-in on the asset account of the second member in the local clearing system according to the asset transfer-in description information.

In one embodiment, the asset transfer description information refers to information related to a transferred asset that the first member needs to transfer, and may include at least one of: an asset amount, an asset class, and an asset account corresponding to the first member; and the asset transfer description information refers to information related to the transfer-in asset to be received by the second member, and may include at least one of: an asset amount, an asset class, and an asset account corresponding to the second member. Therefore, the local clearing system can respectively carry out asset transfer-out and asset transfer-in on the asset accounts corresponding to the first member and the second member based on the asset transfer-out description information and the asset transfer-in description information, thereby realizing the down-link asset transfer from the first member to the second member. For example, when the asset is currency, the asset transfer description information may include a currency amount, an remittance currency and a bank account of the first member, the asset transfer description information may include a currency amount, a remittance currency and a bank account of the second member, the currency amount and the remittance currency included in the asset transfer description information and the currency amount and the remittance currency included in the asset transfer description information satisfy a preset association relationship, the preset association relationship may include a conversion ratio between the remittance currency and the remittance currency, and the like, which is not limited in this specification.

In an embodiment, any one of the members may further generate a verification request for the asset transfer-out description information and the asset transfer-in description information, and respectively send the verification request to each member in the asset transfer link under the link, so that each member respectively verifies the asset transfer-out description information and the asset transfer-in description information related to each member. The check involved in the verification process may include at least one of KYC (Know Your Customer) check, AML (Anti-Money Laundering) check, and the like, which is not limited in this specification. And any member can initiate the asset transfer request to the local clearing system only when determining that each member approves the corresponding asset transfer-out description information and the corresponding asset transfer-in description information. That is, the precondition for any member to initiate an asset transfer request to the local clearing system includes: the asset roll-out description information and the asset roll-in description information pass verification.

In an embodiment, any member may further submit a deposit transaction including the asset transfer-out description information and the asset transfer-in description information to the blockchain system, and then the blockchain system may deposit the deposit transaction into the blockchain, so as to implement the recording of the asset transfer process between the first member and the second member. The blockchain technique (also known as the distributed ledger technique) is a decentralized distributed database technique. Due to the adoption of a decentralized network structure, a common identification mechanism and a chain block structure, the block chain technology has the characteristics of decentralized, transparent disclosure, no tampering, trusty and the like, so that when the block chain technology is used for carrying out evidence deposit on the evidence deposit transaction, the asset transfer-out description information and the asset transfer-in description information contained in the evidence deposit transaction can be used for forming a credible traceable and untrustproof data record.

In one embodiment, the blockchain system may include blockchain nodes that may include at least one anchor (anchor) therein that may distribute blockchain assets within the blockchain system. The blockchain accounts in the blockchain system can perform the on-chain transfer aiming at the blockchain assets, thereby realizing the on-chain asset transfer operation based on the blockchain system. The role of an anchor may be assumed by a member of the down-link asset transfer link, but this is not required and the anchor may be independent of a member of the down-link asset transfer link. The blockchain system may maintain blockchain accounts that respectively correspond to members of the down-link asset transfer link such that the members can respectively acquire and hold blockchain assets issued by the anchor through the respective blockchain accounts.

Assuming that a first anchor exists in the blockchain system, and in the case where both the first member and the second member hold a blockchain asset issued by the first anchor, either member may initiate a blockchain transaction to the blockchain system. Accordingly, the blockchain system may respectively determine, in response to the blockchain transaction, the to-be-transferred-out blockchain asset description information matching the asset transfer description information and the to-be-transferred-in blockchain asset description information matching the asset transfer description information, such as to respectively read the to-be-transferred-out blockchain asset description information and the to-be-transferred-in blockchain asset description information from the blockchain transaction. The to-be-transferred-out blockchain asset description information refers to information related to a transferred-out blockchain asset to be transferred by a first member, and may include at least one of the following: a blockchain asset amount, an anchor point that issued the blockchain asset, an asset type, a blockchain account of the first member; and the to-be-transferred blockchain asset description information refers to information related to the to-be-transferred blockchain asset to be received by the second member, and may include at least one of: a blockchain asset amount, an anchor that issued the blockchain asset, an asset type, a blockchain account of the second member. Further, the blockchain system can perform asset transfer on the blockchain asset, which is held by the first member and is issued by the first anchor point, according to the determined to-be-transferred blockchain asset description information and perform asset transfer on the blockchain asset, which is held by the second member and is issued by the first anchor point, according to the determined to-be-transferred blockchain asset description information, so that the on-chain asset transfer between the first member and the second member is realized.

Based on the characteristics of the blockchain technology, the blockchain transaction and the related information of the on-chain asset transfer realized between the first member and the second member based on the blockchain transaction can be stored in the blockchain system, and a credible, traceable and non-falsifiable data record is formed. Since the above-mentioned to-be-transferred-out blockchain asset description information and to-be-transferred-in blockchain asset description information correspond to the above-mentioned asset transfer-out description information and asset transfer-in description information, respectively, so that the on-chain asset transfer and the above-mentioned off-chain asset transfer are completely matched, the contents related to the on-chain asset transfer and certified on the chain can be used for anchoring the related information of the off-chain asset transfer and verifying the reliability of the off-chain asset transfer process, for example, by following tracking and checking, possible falsification or forgery of the off-chain asset transfer process can be avoided.

In an embodiment, the above blockchain transaction is further configured to indicate an uplink asset transfer link between the first member, the second member and the first anchor point, so that the blockchain system may trigger the first anchor point to issue to the first member a blockchain asset whose amount matches the above to-be-transferred blockchain asset description information, and trigger the second anchor point to return to the first anchor point a blockchain asset whose amount matches the to-be-transferred blockchain asset description information by performing the blockchain transaction, and the uplink asset transfer link may be configured to indicate a blockchain asset transfer direction between the first member, the second member and the first anchor point. The first anchor point is triggered to send the blockchain assets to the first member, so that the first member has the blockchain assets sent by the first anchor point, the corresponding blockchain assets are convenient to transfer from the first member to the second member, and the condition that the blockchain assets held by the first member are insufficient and the blockchain assets cannot be transferred to the second member is avoided. And triggering the second member to return the blockchain assets to the first anchor point, so that the second member can return the received blockchain assets to the first anchor point after receiving the blockchain assets transferred by the first member, and the first anchor point recovers the previously issued blockchain assets. It can be seen that the blockchain asset is issued to the first member by the first anchor point, transferred to the second member by the first member, and returned to the first anchor point by the second member, so that no increase of the blockchain asset is caused on the blockchain system, thereby avoiding additional generation of the blockchain asset matched with the asset transfer-out description information or the asset transfer-in description information in the blockchain system, ensuring balance of the blockchain asset contained in the blockchain system, but as the on-chain asset transfer process between the first member and the second member is already realized in the above process, the reliability of the off-chain asset transfer process matched with the blockchain asset transfer process can be ensured by anchoring the off-chain asset transfer process realized by the first member and the second member through the local clearing system through evidence of the on-chain asset transfer process as described above, facilitating subsequent tracking and inspection.

In one embodiment, before any of the members initiates a blockchain transaction with the blockchain system, an asset transfer request may be transmitted to each member (e.g., the first member, the second member, and the first anchor point) included in the linked asset transfer link. Then, each member can respond to the asset transfer request to verify the to-be-transferred-out blockchain asset description information and the to-be-transferred-in blockchain asset description information related to the member, and adopts the own identity private key to sign the confirmation message under the condition that the verification is passed, and respectively feeds back the signed confirmation message to any member, which indicates that the to-be-transferred-out blockchain asset description information and the to-be-transferred-in blockchain asset description information related to the member are approved. The confirmation message returned by a member may include the description information of the to-be-transferred-out blockchain asset and the description information of the to-be-transferred-in blockchain asset corresponding to the member. Then any of the above members may initiate a blockchain transaction to the blockchain system that includes the above signed confirmation message. Accordingly, the blockchain system may verify the digital signature included in the confirmation message based on the public identity keys of the members in the on-chain asset transfer link, and perform the corresponding blockchain transaction only if the digital signature is verified.

In one embodiment, the blockchain transaction may be first performed in the blockchain system to implement the above-described on-chain asset transfer operation to provide reliable evidence for the on-chain asset transfer process. Then, any of the members mentioned above may initiate an asset transfer request to the local clearing system to effect the transfer of the asset down-link, with confirmation that the on-link asset transfer process has been certified. By the above processing method, before the offline asset transfer is realized, the offline asset transfer process can be anchored in the blockchain, and the reliability of the offline asset transfer operation can be ensured. In addition, the blockchain system can verify the asset description information of the blockchain to be transferred and the asset description information of the blockchain to be transferred, which are related to the asset transfer operation on the chain, through the process of verifying the blockchain transaction, and the asset description information of the blockchain to be transferred respectively correspond to the asset transfer description information and the asset transfer description information under the chain, which is equivalent to indirectly verifying the asset transfer description information and the asset transfer description information related to the asset transfer under the chain, so that the reliability of the asset transfer under the chain is further ensured.

In another embodiment, in the case that it is determined that the local clearing system performs the down-link asset transfer operation corresponding to the asset circulation request, any member of the above mentioned group initiates the blockchain transaction to the blockchain system, the blockchain system verifies the up-link asset transfer operation matching the down-link asset transfer operation, and anchors the down-link asset transfer process implemented by the first member and the second member through the local clearing system, so as to avoid the subsequent falsification or falsification of the down-link asset transfer operation.

Two or more members are included in the downlinked asset transfer link, with a fixed ordering among the members. There may be two permutations between any two members: adjacent or spaced apart. For example, when member A, member B, and member C are arranged in order, member A can be considered adjacent to member B, member B adjacent to member C, and member A spaced apart from member C. The aforementioned first member and second member belong to a neighboring relationship. In addition to the first member and the second member, other members may be included in the downlinked asset transfer link, which members may be adjacent to the first member or the second member. For example, assuming that the down-link asset transfer link includes a set of neighbor members, the neighbor members may be a third member located upstream and a first member located downstream, or the neighbor members may be a second member located upstream and a fourth member located downstream.

If the aforementioned neighboring members are in the same country or region, the asset transfer process between the neighboring members may be similar to the aforementioned first and second members, i.e., the asset transfer is accomplished through the same local clearing system to which both have access. If the above-mentioned neighboring members are respectively in different countries or regions, the asset transfer process between the neighboring members may involve a cross-border scenario.

For a cross-border scene, any one of the adjacent members can set a cross-border asset account at the other member, so that asset transfer can be realized between the adjacent members through the cross-border asset account, direct connection between the adjacent members is realized, and the efficiency of asset transfer between the adjacent members can be improved.

An upstream member of the aforementioned neighborhood members may be provided with a cross-border asset account at a downstream member of the neighborhood members. If the transferee is provided with an asset account at the downstream member, the cross-border asset account may be used for asset transfer from the in-transferred asset received by the upstream member to the asset account provided by the transferee at the downstream member. If additional members exist between the downstream member and the payee, the cross-border asset account may be used for asset transfers from the transfer asset received by the upstream member to other members in the down-link asset transfer link that are behind the downstream member. For example, in a case where a third member has a cross-border asset account set at the first member, the third member may transfer assets to the asset account set at the first member by using the cross-border asset account or to other members, and the assets transferred by using the cross-border asset account are matched with the transferred-in assets received by the third member, where the transferred-in assets received by the third member may be from the asset account set at the third member by the payer, and the like, which is not limited in the present specification; in the case where the second member has a cross-border asset account set at the fourth member, the second member may transfer assets to the cross-border asset account set at the fourth member by the payee or to other members using the cross-border asset account, the assets transferred using the cross-border asset account matching the transferred-in assets received by the second member through the local clearing system.

The downstream member of the aforementioned neighboring members may be provided with a cross-border asset account at an upstream member of the neighboring members, and if the transferee is provided with an asset account at the downstream member, the cross-border asset account may be used to receive the transferred-in asset transferred by the upstream member, and the transfer of the asset by the downstream member to the asset account at the downstream member of the transferee is performed based on the transferred-in asset received by the cross-border asset account. If other members exist between the downstream member and the payee, the cross-border asset account may be used to receive the transfer-in asset transferred by the upstream member and the downstream member may perform the asset transfer to other members arranged behind the downstream member in the down-link asset transfer link based on the transfer-in asset received by the cross-border asset account. For example, in a case where the first member has a cross-border asset account at the third member, the third member may transfer the corresponding transfer-in asset to the cross-border asset account of the first member, and then the first member may perform asset transfer to the asset account or other members set at the first member by the payee based on the transfer-in asset when it is determined that the transfer-in asset is received by the cross-border asset account; if the cross-border asset account is set at the second member by the fourth member, the fourth member may receive the transferred-in asset transferred to the cross-border asset account thereof by the second member, and then if the fourth member determines that the cross-border asset account receives the transferred-in asset, the fourth member may transfer the asset to the asset account set at the first member by the payee or other members based on the transferred-in asset, and the transferred-in asset received by the cross-border asset account is matched with the transferred-in asset received by the second member through the local liquidation system.

In an embodiment, any member may further determine an asset account used by each member in the down-link asset transfer link for asset transfer and an asset amount contained in the asset account, for example, determine asset accounts corresponding to the first member, the second member, the third member and the fourth member and corresponding asset amounts, respectively. Correspondingly, any member can also generate a verification request aiming at the determined asset account and the corresponding asset amount and respectively send the verification request to each member in the asset transfer link under the link, so that each member respectively verifies the asset account related to the member and the corresponding asset amount. The check involved in the verification process may include at least one of KYC check, AML check, and the like, which is not limited in this specification. And, any member of the above may perform the transfer of the down-link assets between adjacent members upon determining that each member approves its corresponding asset account and corresponding asset amount. That is, the prerequisites for asset transfer between neighboring members include: the respective asset accounts and corresponding asset amounts of the adjacent members are verified.

Assuming that a second anchor exists in the blockchain system, and in the case where the neighboring members each hold a blockchain asset issued by the first anchor, either member may initiate a blockchain transaction to the blockchain system. Accordingly, the blockchain system may determine, in response to the blockchain transaction, to-be-transferred blockchain asset description information and to-be-transferred blockchain asset description information that match a transferred asset received from the cross-border asset account, such as to read the to-be-transferred blockchain asset description information and the to-be-transferred blockchain asset description information from the blockchain transaction, respectively. Further, the blockchain system can perform asset transfer-out on blockchain assets which are owned by an upstream member of the adjacent members and issued by the second anchor point based on the to-be-transferred-out blockchain asset description information and perform asset transfer-in on blockchain assets which are owned by a downstream member of the adjacent members and issued by the second anchor point based on the to-be-transferred-in blockchain asset description information, so that the on-chain asset transfer between the adjacent members is realized.

Based on the characteristics of the blockchain technology, the blockchain transaction and the related information of the on-chain asset transfer realized between adjacent members based on the blockchain transaction can be stored in the blockchain system, and a credible traceable and non-falsifiable data record is formed. Because the above-mentioned to-be-transferred out blockchain asset description information and to-be-transferred into blockchain asset description information are matched with the description information of the down-chain asset transferred between the adjacent members by using the cross-border asset account, so that the on-chain asset transfer between the adjacent members is completely matched with the above-mentioned down-chain asset transfer, and therefore the contents certified on the chain and related to the on-chain asset transfer can be used for anchoring the related information of the down-chain asset transfer and verifying the reliability of the down-chain asset transfer process, for example, the tampering or counterfeiting of the down-chain asset transfer process can be avoided by subsequent tracking and inspection.

For ease of understanding, the following description will be made of the technical solutions of one or more embodiments of the present disclosure, taking the "money transfer process" as an example. FIG. 2 is a schematic diagram of an asset transfer link, shown in an exemplary embodiment; as shown in fig. 2, the down-link asset transfer link may include wallet 1-member 2-wallet 2, and assuming that the payer has wallet 1 maintained at member 1, namely wallet 1 has asset account a01 set at bank a, and wallet 2 maintained at bank B by the payee, namely wallet 2 has asset account B01 set at member 2, the asset transfer scheme based on the present description may enable fast money transfer between wallet 1 corresponding to the payer and wallet 2 corresponding to the payee. Wherein, the wallet 1 corresponding to the member 1 can replace the payer to access the money transfer process, and the wallet 2 corresponding to the member 2 can replace the payee to access the money transfer process.

In one embodiment, as shown in fig. 2, anchor 1, anchor 2, and anchor 3 may be included, with anchor between wallet 1 and member 1 being anchor 1, anchor between member 1 and member 2 being anchor 2, and anchor between member 2 and wallet 2 being anchor 3. The role of the anchor point may be assumed by each member in the link for transferring assets, for example, the anchor point 1 shown in fig. 2 corresponds to the member 1, the anchor point 2 corresponds to the member 1, and the anchor point 3 corresponds to the member 2, although the member in the link for transferring assets may not assume the role of the anchor point, that is, there is no necessary one-to-one correspondence between the member in the link for transferring assets and the anchor point, which is not limited in this specification.

FIG. 3 is a flow chart illustrating a method of asset transfer in accordance with an exemplary embodiment. As shown in fig. 3, the following steps may be included:

at step 301, wallet 1 sends a first remittance preparation request.

In this embodiment, wallet 1 may receive an asset transfer request from a payer, which may contain identification information indicating various money transfer participants, such as identification information corresponding to wallet 1, wallet 2, members 1-2, or anchor points 1-3, and the like, and which may also include a type of remittance asset, an amount of remittance, and the like.

The wallet 1 may generate a first remittance preparation request according to the above-described asset transfer request, and transmit the generated first remittance preparation request to the member 1, the member 2, and the wallet 2, respectively.

At step 302, member 1 determines whether a money transfer operation needs to be performed based on the first money transfer preparation request.

Step 303, a swap operation is performed.

Step 304, determining the amount of blockchain assets to be transferred between member 1 and anchor 1, and member 1 and anchor 2, and obtaining the asset account A11 of member 1 and the clearing account Q11 of member 1 in the local clearing system.

In this embodiment, the member 1 may determine whether the remittance asset type and remittance asset type included in the first remittance preparation request are consistent or not in response to the first remittance preparation request, and if the remittance asset type and remittance asset type are not consistent, the member 1 may determine that a remittance operation needs to be performed, and then go to step 303; if the type of the imported asset is consistent with the type of the exported asset, the member 1 can determine that the swap operation is not required to be performed, and then step 304 is performed.

In this embodiment, if the remitted asset type is not consistent with the remitted asset type, the member 1 may calculate the remittance amount corresponding to the remittance amount according to the remitted asset type, the remitted amount, and the asset transfer fee required for providing the remittance operation by itself. For example, the property transfer fee FX set in the member 1 is 0.10%, and the exchange ratio between the remitted property type and the remitted property type is 1:2, and assuming that the remittance amount is 1000 yuan, the bank 1 calculates the remittance amount by the remittance operation to be (1000 yuan × 2 × (1-0.10%) -1998 yuan). If the remitted asset type is consistent with the remitted asset type, member 1 may set the remittance amount to be consistent with the remittance amount.

In this embodiment, the member 1 may determine the amount of the blockchain asset that needs to be transferred to the anchor point 1 according to the remittance amount, and determine the amount of the blockchain asset that needs to be transferred to the anchor point 2 according to the remittance amount.

In this embodiment, member 1 may determine member 1's own asset account A11 and member 1's clearing account Q11 set at the local clearing system in response to the first money transfer preparation request described above.

At this time, member 1 may feed back to wallet 1 a response piece message 1 for the first money transfer preparation request, which may include in response piece message 1: blockchain asset amounts to be transferred between member 1 and anchor 1, member 1 and anchor 2, asset account a11, clearing account Q11, etc.

At step 305, member 2 determines whether a money transfer operation needs to be performed based on the first money transfer preparation request.

Step 306, a swap operation is performed.

Step 307, determine the blockchain asset amount to be transferred between member 2 and anchor 2, member 2 and anchor 3, and obtain member 2's own asset account B21 and member 2's clearing account Q21 within the local clearing system.

In this embodiment, similar to steps 302-304 above, member 2 may determine whether the type of the remittance asset included in the first remittance preparation request is consistent with the type of the remittance asset in response to the first remittance preparation request, and if the type of the remittance asset is not consistent with the type of the remittance asset, member 2 may determine that a remittance exchange operation needs to be performed, then step 306 is proceeded; if the type of the imported asset is consistent with the type of the exported asset, the member 2 can determine that the swap operation is not required to be performed, and then step 307 is performed.

In this embodiment, if the type of the import asset is not consistent with the type of the export asset, the member 2 can calculate the export amount corresponding to the import amount according to the type of the import asset, the type of the export asset, the import amount, and the asset transfer cost required for providing the exchange operation by the member 2. If the remitted asset type is consistent with the remitted asset type, member 2 may set the remittance amount to be consistent with the remittance amount.

In this embodiment, the member 2 may determine the amount of the blockchain asset that needs to be transferred to the anchor point 2 according to the remittance amount, and determine the amount of the blockchain asset that needs to be transferred to the anchor point 3 according to the remittance amount.

In this embodiment, member 2 may determine member 2's own asset account B21 and member 2's clearing account Q21 set at the local clearing system in response to the first money transfer preparation request described above.

At this point, member 2 may feed back to wallet 1 a response piece message 2 for the first money transfer preparation request, which response piece message 2 may include: blockchain asset amounts to be transferred between member 2 and anchor 2, member 2 and anchor 3, asset account B21, clearing account Q21, etc.

At step 308, the blockchain asset amount to be transferred between wallet 2 and anchor 3 is determined and the asset account B31 for wallet 2 at bank B is obtained.

In this embodiment, wallet 2 may respond to the received first remittance preparation request and determine the amount of blockchain assets it needs to transfer to anchor point 3 based on the remittance amount described above, while wallet 2 determines the asset account B31 it has set at bank B. At this time, wallet 2 may feed back to wallet 1 a response piece message 3 for the first remittance preparation request, which may include in response piece message 3: the amount of blockchain assets to be transferred between wallet 2 and anchor 3, and asset account B31, etc.

At step 309, a second money transfer preparation request is generated.

In step 310, anchor 1 checks asset account A11 and asset account A01 and determines the amount of blockchain assets to transfer in and the amount of blockchain assets to transfer out corresponding to anchor 1.

In this embodiment, wallet 1 may send a second money transfer preparation request to anchor points 1-3, respectively, after receiving the above-described response piece messages 1-3.

In this embodiment, anchor 1 may obtain the amount of blockchain assets to transfer in and transfer out, as well as asset account a11 and asset account a01, corresponding to anchor 1 by parsing the second remittance preparation request. Anchor 1 may check the resulting asset account A11 and asset account A01 and feed back to wallet 1 a receipt message 4 containing the check result. For example, anchor 1 may conduct compliance checks for asset account a11 and asset account a01, which may be a pass check when asset account a11 and asset account a01 pass the compliance check; the verification result may be a failed verification when asset account A11 and asset account A01 fail the compliance check. The compliance check may include at least one of various types such as KYC check, AML check, etc., and the specification is not limited thereto.

In step 311, the anchor point 2 checks the clearing account Q11 and the clearing account Q21, and determines the amount of blockchain assets to be transferred and the amount of blockchain assets to be transferred corresponding to the anchor point 2.

In this embodiment, anchor point 2 may obtain the amount of blockchain assets to transfer in and the amount of blockchain assets to transfer out corresponding to anchor point 2, as well as clearance account Q11 and clearance account Q21 by parsing the second remittance request. Anchor 2 may check the resulting clearing account Q11 and clearing account Q21 and feed back to wallet 1 a receipt message 5 containing the check result. For example, anchor 2 may conduct compliance checks against clearance account Q11 and clearance account Q21, which may be a pass check when clearance account Q11 and clearance account Q21 pass the compliance check; when clearance account Q11 and clearance account Q21 fail the compliance checks, the verification result may be a failed verification. The compliance check may include at least one of various types such as KYC check, AML check, etc., and the specification is not limited thereto.

In step 312, anchor 3 checks asset account B31 and asset account B01 and determines the amount of blockchain assets to transfer in and the amount of blockchain assets to transfer out corresponding to anchor 3.

In this embodiment, anchor point 3 may obtain the amount of blockchain assets to transfer in and the amount of blockchain assets to transfer out corresponding to anchor point 3, as well as asset account B31 and asset account B01 by parsing the second remittance request. Anchor 3 may check the resulting asset account B31 and asset account B01 and feed back to wallet 1 a response piece message 6 containing the check result. For example, anchor 3 may conduct a compliance check for asset account B31 and asset account B01, which may be a pass check when asset account B31 and asset account B01 pass the compliance check; when asset account B31 and asset account B01 fail the compliance check, the verification result may be a failed verification. The compliance check may include at least one of various types such as KYC check, AML check, etc., and the specification is not limited thereto.

Wallet 1 may verify receipt of the above-described response piece messages 1-6 and proceed to the subsequent money transfer process. FIG. 4 is a flow chart illustrating a method of asset transfer in accordance with an exemplary embodiment. Assuming that the operation of transferring assets on the chain between wallet 1 and member 1, member 1 and member 2, and member 2 and wallet 2 is called transfer operation, the operation of transferring assets on the chain between anchor 1 and wallet 1, anchor 2 and member 1, and anchor 3 and member 2 is called issue operation, and the operation of transferring assets on the chain between member 1 and anchor 1, member 2 and anchor 2, and wallet 2 and anchor 3 is called redem operation.

As shown in fig. 4, the following steps may be included:

at step 401, acknowledgement messages corresponding to wallet 1, member 1, and anchors 1-2 are generated, respectively.

Step 402, the generated confirmation message is transmitted to wallet 1, member 1 and anchor 1-2 respectively for signature.

In this embodiment, wallet 1 may determine the amount of blockchain assets involved in performing the issue operation between wallet 1 and anchor 1 and the amount of blockchain assets involved in performing the transfer operation between wallet 1 and member 1 from the received response piece message. The confirmation message corresponding to wallet 1 may include the determined amount of blockchain assets involved in the issue and transfer operations.

Wallet 1 may also generate a confirmation message for member 1, which may contain the amount of blockchain assets involved in performing transfer operations between wallet 1 and member 1, the amount of blockchain assets involved in performing redebem operations between member 1 and anchor 1, the amount of blockchain assets involved in performing transfer operations between member 1 and member 2, and the amount of blockchain assets involved in performing issue operations between anchor 2 and member 1.

Likewise, wallet 1 may generate a confirmation message corresponding to anchor 1, which may contain the amount of blockchain assets involved in performing the isuse operation between anchor 1 and wallet 1, and the amount of blockchain assets involved in performing the redeem operation between member 1 and anchor 1.

Likewise, wallet 1 may generate a confirmation message corresponding to anchor 2, which may contain the amount of blockchain assets involved in performing the issue operation between anchor 2 and member 1, and the amount of blockchain assets involved in performing the redem operation between member 2 and anchor 2.

In this embodiment, the generated acknowledgement messages may be transmitted to wallet 1, member 1, and anchor 1-2, respectively, and the received acknowledgement messages are signed by wallet 1, member 1, and anchor 1-2, and the signed acknowledgement messages may be fed back to wallet 1.

At step 403, a first blockchain transaction is initiated to the blockchain system that includes the signed acknowledgment message.

At step 404, an on-chain asset transfer operation is performed by performing a first blockchain transaction.

In this embodiment, the wallet 1 may submit a first blockchain transaction to the blockchain system, which may include the received signed acknowledgment message. The blockchain system may execute the smart contract for signature verification based on the first blockchain transaction so that the digital signature included in each confirmation message may be verified. The blockchain system may perform an on-chain asset transfer operation by performing the first blockchain transaction in the event that the digital signature included in each confirmation message is verified. At this time, the process of the on-chain asset transfer operation may include: performing an issue operation of Anchor 1 → wallet 1; performing a transfer operation of wallet 1 → member 1; performing a redemem operation of member 1 → anchor 1; performing anchor 2 → member 1 issue operation; performing a transfer operation of member 1 → member 2; the member 2 → anchor 2 redeme operation is performed.

At step 405, a down-link asset transfer operation between wallet 1, member 1, and member 2 is performed.

In this embodiment, wallet 1, upon determining that the blockchain system performed the first blockchain transaction described above, wallet 1 may transmit a notification message to members 1-2, anchor 1-2, characterizing the completion of the on-chain asset transfer operation corresponding to the first blockchain transaction.

In this embodiment, wallet 1 and members 1-2 in the down-link asset transfer link may perform the down-link asset transfer operation in response to the notification message. Wherein the process of the down-link asset transfer operation may comprise: driving an asset account A01 arranged at the member 1 of the wallet 1 to reduce corresponding transfer-out assets, and increasing corresponding transfer-in assets by an asset account A11 of the member 1; ② in case it is determined that asset account a11 adds a corresponding transferable asset, an asset transfer request between member 1 and member 2 can be initiated by wallet 1 to the local clearing system, then the local clearing system can respond to the asset transfer request by driving member 1's clearing account Q11 set at the local clearing system to reduce the corresponding transferable asset and member 2's clearing account Q21 set at the local clearing system to add the corresponding transferable asset.

At step 406, after transfer assets are received by clearing account Q21 within the local clearing system, wallet 1 is notified to proceed with the subsequent money transfer process.

In this embodiment, after member 2 determines that its provisioned clearing account Q21 at the local clearing system received the transferred asset, wallet 1 may be notified by member 2 to proceed with the subsequent money transfer process.

At step 407, acknowledgement messages corresponding to member 2, wallet 2 and anchor 3 are generated, respectively.

The generated confirmation message is transmitted to member 2, wallet 2 and anchor 3 for signature, step 408.

In this embodiment, the wallet 1 may generate a confirmation message corresponding to the member 2 according to the received response piece message, and the confirmation message corresponding to the member 2 may include the amount of the blockchain asset involved in performing the issue operation between the member 2 and the anchor 3 and the amount of the blockchain asset involved in performing the transfer operation between the member 2 and the wallet 2.

In this embodiment, wallet 1 may generate a confirmation message corresponding to wallet 2, which may contain the amount of blockchain assets involved in performing transfer operations between member 2 and wallet 2, and the amount of blockchain assets involved in performing redeem operations between wallet 2 and anchor 3, in the confirmation message corresponding to wallet 2.

In this embodiment, wallet 1 may generate a confirmation message corresponding to anchor 3, which may contain the amount of blockchain assets involved in performing the issue operation between anchor 3 and member 2, and the amount of blockchain assets involved in performing the redem operation between wallet 2 and anchor 3.

In this embodiment, wallet 1 may transmit the generated acknowledgement messages described above to member 2, wallet 2 and anchor 3, respectively, so that the acknowledgement messages it receives may be signed by member 2, wallet 2 and anchor 3, and the signed acknowledgement messages may be fed back to wallet 1.

At step 409, a second blockchain transaction is initiated to the blockchain system that includes the signed acknowledgment message.

At step 410, an on-chain asset transfer operation is performed by performing a second blockchain transaction.

In this embodiment, wallet 1 may submit a second blockchain transaction to the blockchain system, which may contain the signed acknowledgment message fed back by member 2, wallet 2, and anchor 3 described above. The blockchain system may execute the smart contract for signature verification based on the second blockchain transaction so that the digital signature included in each confirmation message may be verified. In the event that the digital signature included in each confirmation message is verified, the blockchain system can perform the corresponding on-chain asset transfer operation in real time by performing the second blockchain transaction. At this time, the process of the on-chain asset transfer operation may include: performing anchor 3 → member 2 issue operation; performing transfer operation of member 2 → wallet 2; the redemem operation of wallet 2 → anchor 3 is performed.

In step 411, a down-link asset transfer operation between member 2, wallet 2 and anchor point 3 is performed.

In this embodiment, wallet 1, upon determining that the blockchain system is performing the second blockchain transaction described above, wallet 1 may transmit a notification message to member 2, wallet 2, and anchor 3 characterizing the completion of the on-chain asset transfer operation corresponding to the second blockchain transaction.

In this embodiment, member 2 and anchor 2 in the down-link asset transfer link may implement the down-link asset transfer operation in response to the notification message described above. Wherein the process of the down-link asset transfer operation may comprise: the asset account B21 of the member 2 itself is driven to decrease the corresponding roll-out asset, and the asset account B01 set by the wallet 2 at the member 2 increases the corresponding roll-in asset, thereby realizing the money transfer process between the payer and the receiver.

FIG. 5 is a schematic block diagram of an apparatus provided in an exemplary embodiment. Referring to fig. 5, at the hardware level, the apparatus includes a processor 502, an internal bus 504, a network interface 506, a memory 508 and a non-volatile memory 510, but may also include hardware required for other services. One or more embodiments of the present description may be implemented in software, such as by processor 502 reading corresponding computer programs from non-volatile storage 510 into memory 508 and then running. Of course, besides software implementation, the one or more embodiments in this specification do not exclude other implementations, such as logic devices or combinations of software and hardware, and so on, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

Referring to fig. 6, the asset transfer device may be applied to the apparatus shown in fig. 5 to implement the technical solution of the present specification. Wherein the asset transfer device may comprise:

a determining unit 602 for determining a first member and a second member located downstream of the first member in the downlinked asset transfer link in response to an asset transfer request between a payer and a payee; wherein the asset transfer request comprises asset transfer-out description information corresponding to the first member and asset transfer-in description information corresponding to the second member;

a request initiating unit 604, configured to initiate an asset transfer request to the local clearing system when the first member and the second member both access the same local clearing system, so that the local clearing system performs asset transfer to the asset account of the first member in the local clearing system according to the asset transfer description information, and performs asset transfer to the asset account of the second member in the local clearing system according to the asset transfer description information.

Optionally, the method further includes:

a first transaction sending unit 606, configured to submit a credentialing transaction including the asset transfer-out description information and the asset transfer-in description information to the blockchain system, so that the blockchain system credits the credentialing transaction into a blockchain.

Optionally, the method further includes:

a second transaction sending unit 608, configured to initiate a blockchain transaction to a blockchain system when both the first member and the second member hold a blockchain asset issued by a first anchor, so that the blockchain system determines to-be-transferred-out blockchain asset description information that is matched with the asset transfer-out description information and to-be-transferred-in blockchain asset description information that is matched with the asset transfer-in description information, performs an anchor transfer on a blockchain asset held by the first member and issued by the first anchor according to the to-be-transferred-out blockchain asset description information, and performs an asset transfer on a blockchain asset held by the second member and issued by the first anchor according to the to-be-transferred-in blockchain asset description information.

Optionally, the blockchain transaction is further configured to instruct an in-chain asset transfer link between the first member, the second member, and the first anchor point, so as to trigger issuance of a blockchain asset whose amount matches the to-be-transferred blockchain asset description information from the first anchor point to the first member, and return of a blockchain asset whose amount matches the to-be-transferred blockchain asset description information from the second member to the first anchor point.

Optionally, the second transaction sending unit 608 is specifically configured to:

transmitting the asset transfer request to each member contained in the on-chain asset transfer link respectively so that each member responds to the asset transfer request and feeds back a signed confirmation message, wherein the confirmation message contains the asset description information of the members to be transferred out of the block chain and the asset description information of the members to be transferred into the block chain;

initiating a blockchain transaction including the confirmation message to the blockchain system to execute the blockchain transaction if a signature included in the confirmation message is verified.

Optionally, the request initiating unit 604 is specifically configured to:

in the event that the blockchain system performs an on-chain asset transfer operation that completes a corresponding blockchain transaction, an asset transfer request is initiated to the local clearing system.

initiating the blockchain transaction to the blockchain system if the local clearing system performs a completion of an off-chain asset transfer operation corresponding to the asset transfer request.

Optionally, the method further includes:

the asset transfer-out description information and the asset transfer-in description information both include: asset account and asset amount;

a first verifying unit 610, configured to generate a verification request for the asset transfer-out description information and the asset transfer-in description information, so as to verify an asset account and an asset amount included in the asset transfer-out description information and an asset account and an asset amount included in the asset transfer-in description information;

the precondition for initiating the asset transfer request to the local liquidation system comprises the following conditions: the asset transfer-out description information and the asset transfer-in description information pass verification.

Optionally, the downlink asset transfer link includes a group of adjacent members, where the adjacent members include a third member located upstream and a first member located downstream, or the adjacent members include a second member located upstream and a fourth member located downstream; wherein:

if an upstream member of the adjacent members sets a cross-border asset account at a downstream member of the adjacent members, the cross-border asset account is used for carrying out asset transfer to the asset account of the payee at the downstream member or other members arranged behind the downstream member in the down-link asset transfer link according to the transfer-in asset received by the upstream member;

if a downstream member of the adjacent members is provided with a cross-border asset account at an upstream member of the adjacent members, the cross-border asset account is used for receiving a transfer-in asset transferred by the upstream member, so that the downstream member transfers the asset to the asset account of the payee at the downstream member or other members arranged behind the downstream member in the down-link asset transfer link based on the transfer-in asset.

Optionally, the method further includes:

a third transaction sending unit 612, configured to initiate a blockchain transaction to a blockchain system when all the neighboring members hold a blockchain asset issued by a second anchor, so that the blockchain system determines the description information of the to-be-transferred blockchain asset and the description information of the to-be-transferred blockchain asset that match the to-be-transferred asset, and performs asset transfer on the blockchain asset, which is held by an upstream member of the neighboring members and issued by the second anchor, according to the determined to-be-transferred blockchain asset description information, and performs asset transfer on the blockchain asset, which is held by a downstream member of the neighboring members and issued by the second anchor, according to the determined to-be-transferred blockchain asset description information.

Optionally, the method further includes:

an account determining unit 614, configured to determine asset accounts used by each member in the down-link asset transfer link to perform asset transfer and the asset amounts of the asset accounts, respectively;

a second verification unit 616 for generating a verification request for the determined asset account and the corresponding asset amount to verify the asset account and the asset amount;

wherein the precondition for asset transfer between the adjacent members comprises: the asset account and the asset amount are verified.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

In a typical configuration, a computer includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (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 medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than 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. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses 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 description to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of one or more embodiments herein. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

The above description is only for the purpose of illustrating the preferred embodiments of the one or more embodiments of the present disclosure, and is not intended to limit the scope of the one or more embodiments of the present disclosure, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the one or more embodiments of the present disclosure should be included in the scope of the one or more embodiments of the present disclosure.

Claims

1. An asset transfer method applied to any member of a down-link asset transfer link between a payer and a payee; the method comprises the following steps:

2. The method of claim 1, further comprising:

submitting a deposit transaction containing the asset transfer-out description information and the asset transfer-in description information to a blockchain system so that the blockchain system deposits the deposit transaction into a blockchain.

3. The method of claim 1, further comprising:

and under the condition that the first member and the second member both hold the blockchain asset issued by the first anchor point, initiating blockchain transaction to a blockchain system so that the blockchain system determines the description information of the blockchain asset to be transferred, which is matched with the asset transfer description information, and the description information of the blockchain asset to be transferred, which is matched with the asset transfer description information, performing asset transfer on the blockchain asset, which is held by the first member and issued by the first anchor point, according to the description information of the blockchain asset to be transferred, and performing asset transfer on the blockchain asset, which is held by the second member and issued by the first anchor point, according to the description information of the blockchain asset to be transferred.

4. The method of claim 3, the blockchain transaction further to instruct an in-chain asset transfer link between the first member, the second member, and the first anchor to trigger issuance of a blockchain asset by the first anchor to the first member with an amount matching the to-be-transferred blockchain asset description information and return of a blockchain asset by the second member to the first anchor with an amount matching the to-be-transferred blockchain asset description information.

5. The method of claim 4, the initiating a blockchain transaction to a blockchain system, comprising:

6. The method of claim 3, the initiating an asset transition request to the local clearing system comprising:

7. The method of claim 3, the initiating a blockchain transaction to a blockchain system, comprising:

8. A method as defined in claim 1, the asset roll-out description information and the asset roll-in description information each comprising: asset account and asset amount; the method further comprises the following steps:

generating a verification request aiming at the asset transfer-out description information and the asset transfer-in description information so as to verify the asset account and the asset amount contained in the asset transfer-out description information and the asset account and the asset amount contained in the asset transfer-in description information;

9. The method of claim 1, the downlinked asset transfer link comprising a set of neighbor members, the neighbor members comprising a third member located upstream and a first member located downstream, or the neighbor members comprising a second member located upstream and a fourth member located downstream; wherein:

10. The method of claim 9, further comprising:

and under the condition that the adjacent members all hold the blockchain assets issued by the second anchor point, initiating blockchain transaction to a blockchain system so that the blockchain system determines the to-be-transferred blockchain asset description information and the to-be-transferred blockchain asset description information which are matched with the transferred-in assets, performing asset transfer-out on blockchain assets which are held by upstream members in the adjacent members and issued by the second anchor point according to the determined to-be-transferred blockchain asset description information, and performing asset transfer-in on blockchain assets which are held by downstream members in the adjacent members and issued by the second anchor point according to the determined to-be-transferred blockchain asset description information.

11. The method of claim 9, further comprising:

respectively determining an asset account and an asset amount of the asset account, which are used for carrying out asset transfer by each member in the down-link asset transfer link;

generating a verification request aiming at the determined asset account and the corresponding asset amount so as to verify the asset account and the asset amount;

12. An asset transfer device for use with any member of a down-link asset transfer link between a payer and a payee; the device comprises:

13. An electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor implements the method of any one of claims 1-11 by executing the executable instructions.

14. A computer readable storage medium having stored thereon computer instructions which, when executed by a processor, carry out the steps of the method according to any one of claims 1 to 11.