CN106326771A - Storage method and clearing system - Google Patents
Storage method and clearing system Download PDFInfo
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- CN106326771A CN106326771A CN201610727923.6A CN201610727923A CN106326771A CN 106326771 A CN106326771 A CN 106326771A CN 201610727923 A CN201610727923 A CN 201610727923A CN 106326771 A CN106326771 A CN 106326771A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
- G06F21/6227—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database where protection concerns the structure of data, e.g. records, types, queries
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The embodiment of the invention provides a storage method and a clearing system, which are used for solving the technical problem of low information security when the clearing system is used. The storage method comprises the following steps that input information is obtained, wherein the input information comprises money borrowing information input by a money borrower through a first terminal connected with a server and investment information input by an investor through a second terminal connected with the server; a contract list is generated on the basis of the input information, wherein the contract list comprises at least one clearing item, and the clearing item is used for indicating the trading rule between the money borrower and the investor; the contract list is sent to a distributed account book connected with the clearing system, wherein the distributed account book is used for storing the contract list, and the contact list is in a tampering forbidding state in the distributed account book.
Description
Technical field
The present invention relates to areas of information technology, particularly relate to a kind of store method and system for settling account.
Background technology
Along with modern economy level improves constantly, the Internet, the high speed development of development of Mobile Internet technology, for satisfied individual's money
The aspects such as gold demand, development individual credit system and raising funds lying idle in society utilization rate, by the net more now with qualification
Network finance company (such as third company, third party website etc.), as medium platform, carries by the Internet, development of Mobile Internet technology
Issue for information and the network platform of transaction realization, debtor and creditor docking is got up to realize respective Loan Demand.
At present, when the information of carrying out is issued with debt-credit transaction, it is common that by operating in the server within the network platform
Middle system for settling account (also referred to as payment clearance system) realizes.System for settling account is by having the rule of the transfer that Manages Currency, realizing paying
The professional technique means of instruction transmission and fund clearing collectively constitute, and in order to realize the one of credit and debt liquidation and fund transfer are
Row tissue and arrangement.But in actual applications, net is borrowed platform and is preserved loaning bill information by operating database and storing process, enters
And system for settling account is cleared by the loaning bill information in data base, and the clearance mode of transaction realization and algorithm are borrowed flat by net
Platform inter-process, such phenomenon easily causes the doubt of people especially investor.Such as, borrower and net loan platform are reached
After the agreement of certain infringement investor's interests, borrow, by net, the target information that the amendment of platform interior system for settling account preserves, or, net
Borrow platform interior target information is directly modified, to obtain higher interests etc..
In summary, prior art exists the technical problem that the safety of information is relatively low when using system for settling account.
Summary of the invention
The embodiment of the present invention provides a kind of store method and system for settling account, in order to solve to clear in use in prior art is
The technical problem that the safety of information is relatively low is there is during system.
On the one hand, the embodiment of the present invention provides a kind of store method, is applied to a system for settling account, and described system for settling account is positioned at
Server, described method includes:
Obtaining input information, described input information includes that borrower is inputted by the first terminal being connected with described server
The investing tip of the second terminal input by being connected with described server of loaning bill information and investor；
Generating a contract inventory based on described input information, described contract inventory includes that at least one clears clause, described
Clearance clause is for indicating the trading rules between borrower and investor；
Described contract inventory is sent to the distributed account book being connected with described system for settling account；Wherein, described distributed account
Originally being used for storing described contract inventory, described contract inventory is in described distributed account book forbids tamper condition.
On the other hand, the embodiment of the present invention provides a kind of system for settling account, including:
First acquisition module, is used for obtaining input information, and described input information includes that debtor is by with described clearance being
Loan information and the investor of the first terminal input that the server at system place is connected by be connected with described server second
The investing tip of terminal input；
Generation module, for described input information is generated a contract inventory, described contract inventory includes that at least one is clear
Calculating clause, described clearance clause is for indicating the trading rules between debtor and investor；
Sending module, for being sent to the distributed account book being connected with described system for settling account by described contract inventory；Wherein,
Described distributed account book is used for storing described contract inventory, and described contract inventory is in described distributed account book to be forbidden distorting
State.
One or more technical schemes in technique scheme, have the following technical effect that or advantage:
In the embodiment of the present invention, system for settling account is by according to the loaning bill information in the input information obtained and investing tip being
Can generate contract inventory, contract inventory includes that at least one clears clause, and described clearance clause is used for indicating borrower and investment
Trading rules between people, and then contract inventory is sent to distributed account book stores, owing to distributed account book is at network
On have publicity and can not tamper, therefore the contract inventory being saved in distributed account book is it can be avoided that be tampered, thus carries
The safety of information in high system for settling account.
Accompanying drawing explanation
Fig. 1 is the flow chart of steps of store method in the embodiment of the present invention；
Fig. 2 is the schematic flow sheet clearing operation in the embodiment of the present invention；
Fig. 3 is the structural representation of system for settling account in the embodiment of the present invention.
Detailed description of the invention
The present invention provides a kind of store method and system for settling account, deposits when using system for settling account in order to solving in prior art
In the technical problem that the safety of information is relatively low.
In order to be better understood from technical scheme, below in conjunction with Figure of description and specific embodiment
Technical scheme is described in detail.
Referring to Fig. 1, the embodiment of the present invention provides a kind of store method, and the method is applied to system for settling account, the method bag
Include:
Step 10: obtain input information, input information includes that borrower is inputted by the first terminal being connected with server
The investing tip of the second terminal input by being connected with server of loaning bill information and investor；
Step 20: generate a contract inventory based on input information, contract inventory includes that at least one clears clause, clears bar
Money is for indicating the trading rules between borrower and investor；
Step 30: contract inventory is sent to the distributed account book being connected with system for settling account；Wherein, distributed account book is used for
Storage contract inventory, contract inventory is in distributed account book forbids tamper condition.
In the embodiment of the present invention, system for settling account is by obtaining the loaning bill information from borrower and the investment from investor
Information, and then can include for indicating at least one borrowing or lending money trading rules to clear clause according to the generation of these input information
Contract inventory, is sent in distributed account book storage by system for settling account by this contract inventory, owing to distributed account book is at network
On have publicity and can not tamper, therefore the contract inventory being stored in distributed account book cannot be tampered, thus improves
The safety of information when using system for settling account.
In actual applications, system for settling account also becomes payment clearance system, and it can operate in net and borrow platform interior
Management system on server.Wherein, server can be connected with multiple terminals, and can obtain user by server or
The data of terminal input, such as, borrow Investment Trust to cease (including loaning bill information and investing tip), then net loan platform can be by clearance system
Unite and loaning bill information realization is cleared, as the account due etc. of platform borrowed by clearance investor and/or net.
Next each step in the above-mentioned store method provided in the embodiment of the present invention is described in detail:
In the embodiment of the present invention, system for settling account can carry out self terminal (such as first by what the corresponding interface in server obtained
Terminal and/or the second terminal) input information, the loaning bill information that input information includes can include the personal information of borrower
(such as name, occupation etc.), investing tip can include the personal information of investor, investment amount etc., and borrower is required to be borrowed
The money amount of money etc. can be the both sides with partnership between borrower and investor, and these input information are conducive to ensureing loaning bill
People and investor are in the follow-up transparency borrowing or lending money transaction in transaction and safety.
Such as, loaning bill information can be " borrower: Zhang San, occupation: XX plant director, borrowing balance: 1,000,000 yuan,
Annual Percentage Rate: 5.6%, accounts information: xx123xx, the loaning bill time limit: 5 years, guaranty: house property (assessment valency 1,200,000), mode of repayment:
Per year equal principal refund ", investing tip can be " investor: Li Si, investment amount: 1,000,000 yuan, accounts information:
Xx456xx, it is desirable to Annual Percentage Rate: 5% and more than, mode of repayment: do not limit ".
After then system for settling account receives above-mentioned input information, the data in information can be arranged, in order to accept this
Secondary debt-credit transaction, the relevant benefit for borrower and investor is made to ensure.
As a rule, borrower can pass through first terminal (such as mobile phone, notebook computer etc.) input loaning bill information, and leads to
Cross first terminal and the information of input is sent to corresponding server.Accordingly, investor can also by with respective server
The second terminal being connected, and then upload corresponding investing tip.Wherein, the second terminal can be identical with first terminal, or, the
Two terminals can also be different from first terminal, and this is not specifically limited by the embodiment of the present invention.
In actual applications, for the system for settling account that customer group is bigger, server may be simultaneously with multiple the
One terminal and/or multiple second terminal are connected, then the system for settling account in server is when obtaining input information, can be according to project
Partner's information, such as borrower's account and investor's account, or on client, be conveyed into trading item letter indicated during information
Breath (such as project name, numbering etc.), classifies to input information, thus input information is assigned to corresponding project.
Optionally, system for settling account is after receiving input information, it is also possible to input information and corresponding user's (investment thereof
People or borrower) examine and screen, to improve the accuracy of input information.
Such as, system for settling account is when screening input information, and the screening reference conditions for borrower may include that
The individual credit worthiness of borrower, income situation and whether having may be used for the real estate of mortgage, etc.；Accordingly, for
The screening reference conditions of investor may include that idle money disclosure satisfy that the Loan Demand of borrower, funds source proper
Property and do not have capital turnover difficulty in debtor-creditor relationship maintenance period and terminate the possibility of debtor-creditor relationship in advance, etc..
In actual applications, when borrower has credit requirement, borrower can be by there being the network finance company of qualification
The net provided is borrowed the system for settling account in platform and is issued credit requirement information, when investor has idle money, it is also possible to clear by this
Calculation system issues capital investment information, had the most both met the demand of individual bankroll, and had also improved funds lying idle in society simultaneously
Utilization rate.
As a rule, loaning bill information can include borrower required for principal amount, the interest that can be given to of expection golden
Volume, borrow money and the refund time etc..Investor (if any the user of idle money) can borrow platform by this net and can select to browse
These loaning bill information, filter out the credit requirement letter meeting prospective earnings target according to the amount of money of oneself existing idle money
Breath, it is achieved investment.
Or, system for settling account can also receive borrower and loaning bill information that investor submits to respectively and investing tip
After, loaning bill information and investing tip are mated, such as, will the amount of borrowing balance in loaning bill information and investing tip be thrown
The amount of capital amount contrasts, when investment amount amount is more than or equal to borrowing balance amount, and can be by information of borrowing money accordingly
It is sent to investor's terminal (such as mobile phone, computer etc.) by server, and corresponding investing tip is sent by server
To borrower's terminal, or, loaning bill information and the investing tip information after the match is successful can be sent jointly to borrower eventually
End and investor's terminal, in order to borrower and investor can recognize that the dynamic change of corresponding information in platform borrowed by net in time
Change.
Certainly, in actual applications, for the loaning bill information of same borrower, the investor of bid may have multiple, example
If the excuse amount of money in the loaning bill information that borrower issues can be 3,000,000 yuan, minimum investment amount amount is 500,000 yuan, then phase
The investor of the bid answered can include investor 1 (investment amount is 1,000,000), investor 2 (investment amount is 1,500,000), throw
Money people 3 (investment amount is 500,000), is favorably improved the motility of borrowing process.
In step S20, system for settling account can generate contract inventory according to the input information received, and this contract inventory can
To include that at least one clears clause, these clearance clauses may be used for limiting or the debt-credit trading rules of instruction debtor and creditor,
Using the foundation effectively performed as contract inventory.
Optionally, clearance clause can defines the trading rules relevant to loan fund or capital fund, such as, borrow money
The borrowing balance of people, the minimum investment amount etc. of investor, and, clearance clause also can indicate that between investor and borrower
The common interest computational methods formulated, and refund, income time, etc..
Such as, the clearance clause in contract inventory may is that the borrowing balance of borrower is no less than 100,000 yuan, investor's
Minimum investment amount is no less than 100,000 yuan；Interest computational methods: the capital fund * Annual Percentage Rate * loaning bill time limit (or calculate by multiple profit
Method figures interest)；Repayment date is next year current time, etc..
In the embodiment of the present invention, based on input information generate the process of contract inventory may include that based on loaning bill information and
Funding parameters in investing tip and debtor-creditor relationship information, determine at least one trading rules corresponding with input information,
And then determine the clearance clause between investor and borrower based at least one trading rules, then clear clause according to these
Generate contract inventory.
Wherein, funding parameters may refer to the borrowing balance that borrower needs, as borrowed money 5,000,000 yuan, and/or, fund is joined
Number may also mean that the investment amount of investor, such as investment 3,000,000 yuan or 100 Wan Yuan etc..Debtor-creditor relationship can be to borrow money
Relation between people and investor, in these relations, credits side can be investor, and debt side can be borrower, and
Debtor-creditor relationship is essentially simultaneous；Trading rules can be borrower and investor before realizing debt-credit transaction,
The series of rules etc. formulated according to funding parameters and debtor-creditor relationship.
Such as, borrower needs the amount of money borrowed money to be 5,000,000 yuan, then borrows platform by net and issues loaning bill information, investment
People provides these 5,000,000 yuan for borrower after selecting investment, namely there is debtor-creditor relationship between investor and borrower, and
In this relation, investor is as creditor (namely creditor), and borrower is then debt side；Owing to borrower and investor are double
Side is required for borrowing platform maintenance and management debtor-creditor relationship by net, so after realizing debtor-creditor relationship, borrower and investor are double
Side all may need to borrow platform to net provides certain commission (intermediary fee, maintenance expense etc.), and certainly, above-mentioned commission can also be by
Borrower's full powers are undertaken.
In actual applications, borrower can borrow platform with regard to borrowing balance, investment amount and refund by net with investor
The information such as interest amount, refund time and mode is reached an agreement agreement, formulates according to these agreements and may be used for constraint and borrow money
Some trading rules of people and investor both sides, thus further determine the clearance clause of contract inventory, finally further according to this
A little corresponding clearance clauses generate last contract inventory.
Such as, invest artificial borrower and the fund of 5,000,000 yuan be provided, and negotiated after reach an agreement agreement: refund interest
Perform according to total interest rate 15%, the refund time be the current time of next year, such as borrowing time be on January 1st, 2012, during refund
Between be on January 1st, 2013, mode of repayment can be one-off.
Then according to these above-mentioned agreements, make the trading rules that may be used for retraining both sides, such as " borrower: xx
(account 111), investor: xx (account 222), credit amount: 5,000,000, the term of loan: 1 year, borrow or lend money starting date: 2012-1-1,
Debt-credit deadline: 2013-1-1, Annual Percentage Rate: 15%, mode of repayment: disposably refund ", do not refund if borrower exceeds the time limit, then throw
Money people and net borrow on ordinary days have the right requirement law court force folding support borrower property, as borrower this for borrow money mortgage wealth
Produce.And then, can further determine clearance clause according to trading rules, as described for algorithm figured interest etc.,
Generating last complete contract inventory finally according to these clauses, this contract inventory can ensure that the smooth and effective of debt-credit
Realize.
Or, borrower also may also take on serial mode of repayment, like this, then in corresponding trading rules
The restriction for the time of refund can be included, as (each phase is one month), 6 phases, 12 phases can be divided for three phases to can even is that 24
Phase refunds, and the interest rate of three phases can be 10%, and the interest rate of 6 phases can be 8% etc..Wherein, borrower can go back in advance
Clearing up defaults money, such as contract regulation point 6 phases refund, and borrower after having paid debt three times by stages, after also can undertaking in account
The refund amount of three phases, then the debt of three phases after can paying off in the lump when the third phase refunds, certain interest interest rate can also be made
Corresponding adjustment.The refund time can be monthly No. 18, and the concrete date of refunding is as the criterion with contract inventory, etc..
In actual applications, electronic equipment can be by being written as a set of shell script by contract inventory, in order to by fortune
This shell script of row can realize the application to contract inventory.Such as, in debt-credit transaction, system for settling account can when clearing
To be performed each clearance clause in contract inventory by Run Script program, these clearance clauses ensure that debt-credit transaction
It is smoothed out, thus realizes clearance process.
Further, after generating contract inventory, in step s 30, contract inventory can be sent to and clear by system for settling account
The distributed account book that system is connected.
Such as, system for settling account can pass through the mode of peer-to-peer network (Peer to Peer, P2P) by the diffusion of contract inventory also
It is stored in distributed account book, or, system for settling account can also be by the virtual machine (Virtual in distributed account book technology
Machine, VM) application programming interfaces (Application Programming Interface, API) contract inventory is sent out
Deliver to distributed account book store, etc..
As a rule, distributed account book can be one multiple websites, diverse geographic location or multiple mechanism constitute
Network in carry out the data base that shares.Participant in this network can obtain the copy of this distributed account book, the most just
It is to say that an account book can have multiple backup, effectively prevents the loss of data.Furthermore, any change in distributed account book all can
All of copy is reflected, and in this account book storage can be the relevant informations such as finance, law, the note in account book
The rule that record can be reached common understanding in a network according to user, by one, some or all participants preserve jointly
With maintenance, thus improve information storage safety.
Such as, distributed account book can be block chain, and this block chain can be that a string use cryptography method is correlated with coproduction
Raw data block, can also be a kind of decentration and the database going trustization, the form of the most distributed account book be at this not
Make any restriction, and data block and data base here may be incorporated for storage and record data.Optionally, in this block chain
Also including at least one node, these nodes may be used for storing in contract inventory, i.e. block chain and are used for storing contract inventory
Node more than one, and be independent of each other between node and node, be in independent state, contract inventory is once through checking also
Add and preserve to block chain, it is possible to by permanent storage, unless the node more than 51% can be controlled in system simultaneously, no
Then the amendment for individual node is invalid, therefore preserves the data stability to block chain and reliability is all high
's.Further, contract inventory is stored on multiple nodes of block chain, it is achieved that the redundancy backup to contract inventory, keeps away
Exempt from the loss of information data.Wherein, above-mentioned node can be also used for determining whether the data write block chain by new, such as
Because other nodes preserve conventional transaction record, so when the data that certain nodes records is new, other nodes can be to this
A little transaction records travel through, and verify new data based on these transaction records, again by these new data writes after confirmation
In block chain.
Optionally, after contract inventory is sent to distributed account book, system for settling account can also obtain contract inventory and exist
Address information in distributed account book, this address information may be used for characterizing contract inventory storage position in distributed account book
Put, and then, this address information can be sent to first terminal and the second terminal, i.e. borrower and investor by system for settling account can be with
Time see contract inventory by corresponding address information, to debt-credit transaction implementation Process supervision.
In actual applications, for storing the distributed account book of contract inventory in addition to features described above, it is also possible to have autonomy
Property and anonymity, the most distributed account book can use based on consensus specification and agreement, and the most above-mentioned contract is clear
Being used in list indicates the clearance clause of trading rules or can also be a kind of open and clear algorithm etc. so that whole system
In all nodes can in removing the environment trusted the record of safety and storage data so that it is right to be converted to the trust of " people "
The trust of machine, any artificially the most do not have intervention effect, improves the safety of contract inventory, it is to avoid artificially distort.
And for anonymity, due to some the fixing calculations can followed according to storage between the account book in distributed account book
Method so that data storage with alternately without trust because the rules of order in distributed account book can be sentenced automatically
These storages disconnected are with the most effective, because both parties can also be without allowing the other side to oneself by the way of public identity
Produce and trust, and then improve the credit worthiness of individual.
Further, contract inventory preserves to after distributed account book, clearance inventory can know in distributed account book for
The account book of storage contract inventory, such as the address information fed back by distributed account book or alternate manner etc..Furthermore, borrower and throwing
Money people can install net based on system for settling account and borrow the client that platform provides, participate in preserving according to above-mentioned address information or
Perform corresponding contract inventory, ensure the transparency and the safety of borrowing process.
Optionally, after contract inventory is stored distributed account book, system for settling account can also obtain in contract inventory
Clearance clearance temporal information corresponding to clause and current time information, however, it is determined that clearance temporal information and current time information
Join, then obtain at least one clearance clause corresponding with clearing temporal information, and then carry out clearly based at least one clearance clause
Calculate operation.Wherein, the clearance time clearing clause corresponding in contract inventory can be the default refund time, and current time is believed
Breath can be i.e. time system for settling account the last time inquiring about this contract inventory, when the time of refund and the last this contract of inquiry
During the time consistency of inventory, system for settling account will carry out clearance operation according at least one the clearance clause in contract inventory.
Such as, the refund date preset in clearance clause is on October 1st, 2012, and system for settling account is inquiring about this contract inventory
Time be also on October 1st, 2012, i.e. clearance clearance temporal information corresponding to clause and on the current temporal information time be
Coupling, system for settling account can carry out clearance operation based on the clearance clause in contract inventory.
In actual application, system for settling account carries out the process of clearance operation can include but are not limited in the following manner:
Mode one: determine whether received beating from first terminal before the current time that current time information characterizes
Money information；If it is determined that receive money information of beating, then obtain the refund amount of money beating money information；If it is determined that the refund amount of money is more than or equal to extremely
What a few clearance clause was corresponding treats the refund amount of money, then can determine, based at least one clearance clause, the income that investor is corresponding
Information, and then can generate for the transfer information to the account transfer of investor based on avail information, consequently facilitating carry out turning
Accounts etc. operate.The process which carries out clearance operation is shown in Figure 2, wherein, borrows the prompting of platform feedback to terminal/net
Terminal in message can refer to the terminal of borrower and the terminal of investor, and prompting message can include that first terminal does not beats money
Message, or the message that borrower's account balance is not enough, etc., this is not specifically limited by the embodiment of the present invention, art technology
Personnel can be configured according to practical situation.
Wherein, current time information here can be the clearance refund date corresponding to clause；The refund amount of money can be
The amount of money that calculates according to clearance interest calculation corresponding to clause and come or can also be to borrow money before realizing debtor-creditor relationship
The refund amount of money that people and investor reach.
In actual applications, when repayment date is overdue time, system for settling account is based on the inquiry of contract inventory and clearance clause
The account that the borrower joined specifies, if the amount of money having been received by the money information of beating of borrower and its account specified is more than
Corresponding in clearance clause treat the refund amount of money, then system for settling account can be based on the clearance clause in contract inventory (such as clearance bar
The fee rule etc. of platform borrowed by interest that money is original and net) carry out clearance operation, finally the refund after clearance is transferred accounts to net
Borrow in the account of platform and investor, complete debt-credit transaction.
Or, when repayment date is overdue, if the amount of money in the account that borrower does not refunds and it is specified is less than clearance
Corresponding in clause treating the refund amount of money, system for settling account, after receiving the notice that the refund that contract inventory sends exceeds the time limit, can be called
External interface notice net is borrowed platform, investor and borrower tripartite's refund and is exceeded the time limit, and after wherein exceeding the time limit, investor and borrower are permissible
Make further to consult with regard to repayment date.Here account the most can not made any with accounts such as bank and Third-party payment mechanisms
Restriction.Which enhance the speed playing money information processing, shorten the time limit of debt-credit transaction.
Such as, the refund date that contract inventory specifies is on October 1st, 2012 and the refund amount of money is 5,800,000 yuan and (includes throwing
Money people's capital and gained interest amount to 5,750,000 yuan, net loan platform gained commission 50,000 yuan), if current time is October 1 in 2012
Day and before this, system for settling account has been received that the money information of beating of borrower, then system for settling account begins stepping through contract inventory
Clearance clause find the account that investor specifies, if the amount of money is more than or equal to 5,800,000 yuan in the account of borrower, then clear system
System generates the information that will enter clearance operating process, and sends this information to borrower's terminal, investor's terminal, even net
Borrow platform.Then, system for settling account by this 5,800,000 according to the clearance clause in contract inventory carry out clearance operation, finally will wherein
Transferring accounts to the account of investor, transfer accounts 50,000 yuan to the account of net loan platform for 5750000 yuan, account here can be with bank account
Or Alipay account etc..
Or, if repayment date on October 1 position on the same day in 2012, also do not receive the money information of beating of borrower, or be
Just receiving money information of beating, but determine and the principal amount of its account is less than 5,800,000 yuan, system for settling account generates exceeding the time limit refund letter
Breath, and by server, this refund message of exceeding the time limit is sent to the terminal such as mobile phone, computer, call money people, investor and net are borrowed
Platform tripartite exceeds the time limit the message refunded, and borrower and investor make to consult further date of can just refunding again, such as, be postponed until
Decembers in 2012 1 day etc., do not make too much repeating to the process after refunding that exceeds the time limit here.
Mode two: the clearance clause that contract inventory can periodically be included by system for settling account checks, and travels through clearance one by one
The affairs that comprise in clause, trigger condition etc., time of such as refunding, the change etc. of borrower's account amount, system for settling account also may be used
To receive the message inputted from investor's terminal and borrower's terminal simultaneously, when the time of refund is near current time, as currently
When time limit between time and refund time reaches to preset time limit (such as one week), system for settling account can initially enter clearance operation stream
Journey, calculates borrower's account payable, investor's gained money and net previously according to the clearance clause in contract inventory and borrows platform gained
Commission, once arrives the refund date and borrower's account has the amount of money of enough refunding, and system for settling account will calculate profit and send extremely
Platform account borrowed by clearance investor's account corresponding to clause and net, and sends bill information to borrower's terminal, investor
Platform tripartite borrowed by terminal and net.Such clearance operating process improves the efficiency of clearance operation, time-consuming.
In actual applications, clearance clause is carried out finding that the refund time is 2012 when traversal checks by system for settling account periodically
On October 1, and current time is JIUYUE in 2012 1, i.e. refund time and current time be spaced one month, at this time,
System for settling account initially enters clearance operating process, i.e. according to interest computational methods corresponding to the clearance clause in contract inventory, pre-
If net borrow the received commission of platform and loaning bill the time limit (including one month differed between refund time and current time) to investment
Side and net are borrowed platform profit and are calculated, and result of calculation are preserved；If borrower's amount of money amount is refunded, clearly not
Calculation system can send notice at least one times to borrower's terminal within the said one moon, until the money of beating receiving borrower is believed
The feedback of breath.
As a rule, once borrower's account amount of money arrives the refund time (i.e. no less than the refund amount of money and current time
On October 1st, 2012), then system for settling account can determine the revenue amount of investor based on clearance result, and then generates letter of transferring accounts
Breath, transfers accounts respectively to clearance investor's account corresponding to clause, even net and borrows account, follow-up can also generate corresponding bill letter
Breath is sent to borrower's terminal, investor's terminal and net and borrows platform, and further, system for settling account can also be to this bill information
Carry out backup storage, thus realize debt-credit transaction.
To sum up, in the embodiment of the present invention, system for settling account can be by receiving loaning bill information and investor by believing with investment
Breath, generates the contract inventory including at least one clearance clause, and wherein, clearance clause is used for indicating between borrower and investor
Trading rules；The contract inventory of generation is sent to the distributed account book being connected with this system for settling account by system for settling account, so that
Obtain contract inventory and be in the state forbidding being tampered, improve the safety of information storage when using system for settling account.
Further, system for settling account is according to clearing borrowing of the refund time corresponding to clause and other correspondences in contract inventory
Loan information realizes clearance operation follow-up, and principal amount is transferred accounts to investor's account by calling third party's interface, even
The account of platform borrowed by net, and to borrower's terminal, investor's terminal and net, the clearance bill transmission generated is borrowed platform, system for settling account
This clearance bill can be carried out backup storage, so far, it is ensured that completing smoothly and effectively of debt-credit transaction simultaneously.
As it is shown on figure 3, based on same inventive concept, the embodiment of the present invention also provides for a kind of system for settling account, described clearance system
System includes the first acquisition module 201, generation module 202 and sending module 203.
First acquisition module 201 may be used for obtaining input information, and described input information includes that debtor is by with described
The server at system for settling account place be connected first terminal input loan information with investor by being connected with described server
Second terminal input investing tip.
Generation module 202 may be used for generating described input information one contract inventory, and described contract inventory includes at least
One clearance clause, described clearance clause is for indicating the trading rules between debtor and investor.
Sending module 203 may be used for the distributed account that described contract inventory is sent to be connected with described system for settling account
This；Wherein, described distributed account book is used for storing described contract inventory, and described contract inventory is in described distributed account book
Forbid tamper condition.
Optionally, described generation module 202 may be used for based on the fund in described loan information and described investing tip
Parameter and debtor-creditor relationship information, be used for determining one trading rules of instruction；Based at least one trading rules described, it is used for
Determine the clearance clause between described investor and described debtor；Described contract inventory is generated based on described clearance clause.
Optionally, described system for settling account can also include the second acquisition module, for being sent to by described contract inventory
After the distributed account book being connected with described system for settling account, obtain described contract inventory address letter in described distributed account book
Breath, described address information is for characterizing described contract inventory storage position in described distributed account book；Described sending module
It is additionally operable to: described address information is sent to described first terminal and/or the second terminal.
Optionally, described system for settling account can also include the 3rd acquisition module, for being sent to by described contract inventory
After on the block chain being connected with described system for settling account, obtain the clearance time letter that the clearance clause in described contract inventory is corresponding
Breath and current time information；4th acquisition module, for determining described clearance temporal information and described current time information
Timing, obtains at least one clearance clause corresponding with described clearance temporal information；Clearance module, for based on described at least one
Individual clearance clause carries out clearance operation.
Optionally, whether described clearance module is used for: determined before the current time that described current time information characterizes
Receive and beat money information from described first terminal；If it is determined that receive described money information of beating, described in acquisition, beat money information
Beat the money amount of money；Determine described beat the money amount of money more than or equal to described at least one clear clause corresponding treat the refund amount of money, based on institute
State at least one clearance clause, determine the avail information that described investor is corresponding；Generate for institute based on described avail information
State the transfer information of the account transfer of investor.
Various variation patterns and the instantiation of the store method in earlier figures 1-Fig. 2 embodiment are equally applicable to this enforcement
The system for settling account of example, by the aforementioned detailed description to store method, those skilled in the art are it is clear that this enforcement
The implementation of system for settling account in example, so succinct for description, is not described in detail in this.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the reality in terms of the present invention can use complete hardware embodiment, complete software implementation or combine software and hardware
Execute the form of example.And, the present invention can use at one or more computers wherein including computer usable program code
The upper computer program product implemented of usable storage medium (including but not limited to disk memory, CD-ROM, optical memory etc.)
The form of product.
The present invention is with reference to method, equipment (system) and the flow process of computer program according to embodiments of the present invention
Figure and/or block diagram describe.It should be understood that can the most first-class by computer program instructions flowchart and/or block diagram
Flow process in journey and/or square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
Instruction arrives the processor of general purpose computer, special-purpose computer, Embedded Processor or other programmable data processing device to produce
A raw machine so that the instruction performed by the processor of computer or other programmable data processing device is produced for real
The device of the function specified in one flow process of flow chart or multiple flow process and/or one square frame of block diagram or multiple square frame now.
These computer program instructions may be alternatively stored in and computer or other programmable data processing device can be guided with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in this computer-readable memory produces and includes referring to
Make the manufacture of device, this command device realize at one flow process of flow chart or multiple flow process and/or one square frame of block diagram or
The function specified in multiple square frames.
These computer program instructions also can be loaded in computer or other programmable data processing device so that at meter
Perform sequence of operations step on calculation machine or other programmable devices to produce computer implemented process, thus at computer or
The instruction performed on other programmable devices provides for realizing at one flow process of flow chart or multiple flow process and/or block diagram one
The step of the function specified in individual square frame or multiple square frame.
Obviously, those skilled in the art can carry out various change and the modification essence without deviating from the present invention to the present invention
God and scope.So, if these amendments of the present invention and modification belong to the scope of the claims in the present invention and equivalent technologies thereof
Within, then the present invention is also intended to comprise these change and modification.
Claims (10)
1. a store method, is applied to a system for settling account, and described system for settling account is positioned at server, it is characterised in that described side
Method includes:
Obtaining input information, described input information includes that borrower is by borrowing that the first terminal being connected with described server inputs
The investing tip that money information is inputted by the second terminal being connected with described server with investor；
Generating a contract inventory based on described input information, described contract inventory includes that at least one clears clause, described clearance
Clause is for indicating the trading rules between borrower and investor；
Described contract inventory is sent to the distributed account book being connected with described system for settling account；Wherein, described distributed account book is used
In storing described contract inventory, described contract inventory is in described distributed account book forbids tamper condition.
2. the method for claim 1, it is characterised in that generate a contract inventory based on described input information, including:
Based on the funding parameters in described loaning bill information and described investing tip and debtor-creditor relationship information, determine defeated with described
Enter information at least one trading rules corresponding；
The clearance clause between described investor and described borrower is determined based at least one trading rules described；
Described contract inventory is generated based on described clearance clause.
3. the method for claim 1, it is characterised in that described contract inventory is being sent to and described system for settling account phase
After distributed account book even, also include:
Obtaining described contract inventory address information in described distributed account book, described address information is used for characterizing described contract
Inventory storage position in described distributed account book；
Described address information is sent to described first terminal and/or the second terminal.
4. the method for claim 1, it is characterised in that described contract inventory is being sent to and described system for settling account phase
After distributed account book even, also include:
Obtain clearance temporal information corresponding to the clearance clause in described contract inventory and current time information；
Determine that described clearance temporal information is mated with described current time information, obtain corresponding extremely with described clearance temporal information
A few clearance clause；
Clearance operation is carried out based at least one clearance clause described.
5. method as claimed in claim 4, it is characterised in that carry out clearance operation based at least one clearance clause described,
Including:
Determine whether to receive before the current time that described current time information characterizes and beat money from described first terminal
Information；
If it is determined that receive described money information of beating, that beats money information described in acquisition beats the money amount of money；
Determine described beat the money amount of money more than or equal to described at least one clear clause corresponding treat the refund amount of money, based on described at least
One clearance clause, determines the avail information that described investor is corresponding；
Generate for the transfer information to the account transfer of described investor based on described avail information.
6. a system for settling account, it is characterised in that described system for settling account includes:
First acquisition module, is used for obtaining input information, described input information include debtor by with described system for settling account institute
Server be connected first terminal input loan information with investor by the second terminal being connected with described server
The investing tip of input；
Generation module, for described input information generates a contract inventory, described contract inventory includes that at least one clears bar
Money, described clearance clause is for indicating the trading rules between debtor and investor；
Sending module, for being sent to the distributed account book being connected with described system for settling account by described contract inventory；Wherein, described
Distributed account book is used for storing described contract inventory, and described contract inventory is in described distributed account book to be forbidden distorting shape
State.
7. system for settling account as claimed in claim 6, it is characterised in that described generation module is used for:
Based on the funding parameters in described loan information and described investing tip and debtor-creditor relationship information, it is used for determining instruction
One trading rules；Based at least one trading rules described, clear for determine between described investor and described debtor
Calculate clause；Described contract inventory is generated based on described clearance clause.
8. system for settling account as claimed in claim 6, it is characterised in that described system for settling account also includes:
Second acquisition module, for the distributed account book being sent to be connected with described system for settling account by described contract inventory it
After, obtaining described contract inventory address information in described distributed account book, described address information is used for characterizing described contract
Inventory storage position in described distributed account book；
Described sending module is additionally operable to: described address information is sent to described first terminal and/or the second terminal.
9. system for settling account as claimed in claim 6, it is characterised in that described system for settling account also includes:
3rd acquisition module, for the distributed account book being sent to be connected with described system for settling account by described contract inventory it
After, obtain clearance temporal information corresponding to the clearance clause in described contract inventory and current time information；
4th acquisition module, for when determining that described clearance temporal information is mated with described current time information, obtains and institute
State at least one clearance clause that clearance temporal information is corresponding；
Clearance module, for carrying out clearance operation based at least one clearance clause described.
10. system for settling account as claimed in claim 9, it is characterised in that described clearance module is used for:
Determine whether to receive before the current time that described current time information characterizes and beat money from described first terminal
Information；
If it is determined that receive described money information of beating, that beats money information described in acquisition beats the money amount of money；
Determine described beat the money amount of money more than or equal to described at least one clear clause corresponding treat the refund amount of money, based on described at least
One clearance clause, determines the avail information that described investor is corresponding；
Generate for the transfer information to the account transfer of described investor based on described avail information.
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|---|---|---|---|
| CN201610727923.6A CN106326771A (en) | 2016-08-25 | 2016-08-25 | Storage method and clearing system |
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|---|---|---|---|
| CN201610727923.6A CN106326771A (en) | 2016-08-25 | 2016-08-25 | Storage method and clearing system |
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| CN107103405A (en) * | 2017-03-22 | 2017-08-29 | 暨南大学 | A kind of mass-rent system and its building method based on block chain technology |
| CN107122964A (en) * | 2017-05-02 | 2017-09-01 | 深圳乐信软件技术有限公司 | A kind of refund information processing method and device |
| CN107133871A (en) * | 2017-04-19 | 2017-09-05 | 杭州复杂美科技有限公司 | Internet financial transaction based on block chain technology |
| CN107133866A (en) * | 2017-04-23 | 2017-09-05 | 杭州复杂美科技有限公司 | Block chain credit match system |
| CN107742216A (en) * | 2017-10-24 | 2018-02-27 | 东莞市盟大塑化科技有限公司 | A kind of fund allocation method for automatically confirming that bank settlement |
| CN107977811A (en) * | 2017-11-22 | 2018-05-01 | 合肥维天运通信息科技股份有限公司 | A kind of logistics finance management system and method based on block chain technology |
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| CN108664462A (en) * | 2018-05-11 | 2018-10-16 | 深圳市买买提信息科技有限公司 | A kind of clearing method of calibration, system and terminal device |
| CN109034766A (en) * | 2018-06-22 | 2018-12-18 | 杭州复杂美科技有限公司 | Loaning bill method and system, equipment and storage medium |
| CN109272394A (en) * | 2018-08-08 | 2019-01-25 | 上海盛付通电子支付服务有限公司 | A kind of method and apparatus based on distributed account book management accounts receivable information |
| WO2019019162A1 (en) * | 2017-07-28 | 2019-01-31 | 杭州复杂美科技有限公司 | Receivable financing method based on block chain technology |
| WO2019019072A1 (en) * | 2017-07-27 | 2019-01-31 | 杭州复杂美科技有限公司 | Internet financial transaction based on block chain technology |
| CN109690599A (en) * | 2017-09-18 | 2019-04-26 | 腾讯科技（深圳）有限公司 | Method, node, device and the storage medium of resource transaction |
| CN110060148A (en) * | 2019-04-23 | 2019-07-26 | 浙江泰链科技有限公司 | Assets shared data circulation method, apparatus, equipment and medium based on block chain |
| CN110555705A (en) * | 2019-08-26 | 2019-12-10 | 北京米弘科技有限公司 | timing clearing method and system based on block chain |
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| CN107103405A (en) * | 2017-03-22 | 2017-08-29 | 暨南大学 | A kind of mass-rent system and its building method based on block chain technology |
| CN107133871A (en) * | 2017-04-19 | 2017-09-05 | 杭州复杂美科技有限公司 | Internet financial transaction based on block chain technology |
| CN107133866A (en) * | 2017-04-23 | 2017-09-05 | 杭州复杂美科技有限公司 | Block chain credit match system |
| CN107122964A (en) * | 2017-05-02 | 2017-09-01 | 深圳乐信软件技术有限公司 | A kind of refund information processing method and device |
| WO2019019072A1 (en) * | 2017-07-27 | 2019-01-31 | 杭州复杂美科技有限公司 | Internet financial transaction based on block chain technology |
| WO2019019162A1 (en) * | 2017-07-28 | 2019-01-31 | 杭州复杂美科技有限公司 | Receivable financing method based on block chain technology |
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| CN110866752B (en) * | 2017-09-18 | 2023-04-14 | 腾讯科技（深圳）有限公司 | Resource transaction method, node, device and storage medium |
| CN109690599B (en) * | 2017-09-18 | 2020-06-05 | 腾讯科技（深圳）有限公司 | Resource transaction method, node, device and storage medium |
| CN109690599A (en) * | 2017-09-18 | 2019-04-26 | 腾讯科技（深圳）有限公司 | Method, node, device and the storage medium of resource transaction |
| CN107742216A (en) * | 2017-10-24 | 2018-02-27 | 东莞市盟大塑化科技有限公司 | A kind of fund allocation method for automatically confirming that bank settlement |
| CN107742216B (en) * | 2017-10-24 | 2020-11-03 | 东莞市盟大塑化科技有限公司 | Capital processing method for automatically confirming receipt and payment |
| CN107977811A (en) * | 2017-11-22 | 2018-05-01 | 合肥维天运通信息科技股份有限公司 | A kind of logistics finance management system and method based on block chain technology |
| CN108537655A (en) * | 2018-03-21 | 2018-09-14 | 北京三六五八网络科技有限公司 | Data processing method and device for digital asset |
| CN108664462A (en) * | 2018-05-11 | 2018-10-16 | 深圳市买买提信息科技有限公司 | A kind of clearing method of calibration, system and terminal device |
| CN109034766A (en) * | 2018-06-22 | 2018-12-18 | 杭州复杂美科技有限公司 | Loaning bill method and system, equipment and storage medium |
| CN109272394A (en) * | 2018-08-08 | 2019-01-25 | 上海盛付通电子支付服务有限公司 | A kind of method and apparatus based on distributed account book management accounts receivable information |
| CN110060148A (en) * | 2019-04-23 | 2019-07-26 | 浙江泰链科技有限公司 | Assets shared data circulation method, apparatus, equipment and medium based on block chain |
| CN110555705A (en) * | 2019-08-26 | 2019-12-10 | 北京米弘科技有限公司 | timing clearing method and system based on block chain |
| CN112330502A (en) * | 2020-11-02 | 2021-02-05 | 泰康保险集团股份有限公司 | Contract auditing method and device, electronic equipment and storage medium |
| CN112330502B (en) * | 2020-11-02 | 2023-09-26 | 泰康保险集团股份有限公司 | Contract auditing method and device, electronic equipment and storage medium |
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