TWI656494B - Distributed system for small amount currency - Google Patents

Abstract

A decentralized small-scale gold flow system having a plurality of first-class nodes, a second-type nodes, and an arithmetic device. The first type of nodes correspond to the plurality of first type accounts, and the corresponding golden flow data of the first type of accounts are stored. The second type of node corresponds to the second type of account, and the corresponding type II account's gold flow data is stored, and the second type of account is associated with the part of the first type of account. The computing device is adapted to collect data from the first type of node and the second node to determine whether to complete the collection of the accounts receivable due to the gold flow data of the first type of account associated with the second type of account, and to associate with the The first type of account of the second type of account obtains the request material to select one of the first type of accounts associated with the second type of account and transfers the designated asset from the second type of account to the selected first type of account.

Description

Decentralized small-scale gold flow system

The present invention relates to a decentralized small-scale gold flow system, and more particularly to a decentralized small-scale gold flow system for use in a mutual aid organization.

The Mutual Aid Association, which is a folklore, is used to transfer the money from all participants to one of the participants, and to collect the additional interest from the funded participants to achieve forced savings and real interest. Assigned to all participants. In this way, since interest (profit) does not need to be paid to the intermediary, the interest can be reduced for those who need the loan, and can be allocated in the last few weeks for those who do not need the loan. The actual savings rate can be quite close to the average. Lending rates.

However, it is the risk of reversing the mutual aid. First, the head, that is, the person responsible for collecting money from the participants, may often carry huge sums of money, and in the event of an accident (such as being robbed, stolen or stolen), the head will often only It will be. Secondly, the head may also be unable to withstand the temptation of huge sums of money, and the money is fleeing, and the result is also a fall. Moreover, when the participants who are marked in the meeting cannot pay the accounts payable, they may choose not to pay, and eventually the mutual aid association may disintegrate and fall.

In view of this, the present invention aims to provide a decentralized small-scale gold flow system to reduce the risk of a meeting or a participant falling off in a traditional mutual aid meeting.

A distributed micro-investigation system according to an embodiment of the present invention has a plurality of first-class nodes, a second-type nodes, and an arithmetic device. The first type of nodes are in one-to-one correspondence with the plurality of first-type accounts, and each of the first-type nodes stores corresponding gold flow data of the first-type account. The second type of node corresponds to a second type of account, and the second type of node stores corresponding gold flow data of the second type of account, and the second type of account is associated with the part of the first type of account. The computing device is configured to collect data from the first type of nodes and the second node, and determine whether the second type of account is based on the gold flow data of the first type of accounts associated with the second type of account Completing the collection of an expiration receivable, and when determining that the second type of account is completed, obtaining at least one request data from the first type of accounts associated with the second type of account, the computing device according to the at least A requesting material, selecting one of the first type of accounts associated with the second type of account, and transferring a designated asset from the second type of account to the selected first type of account.

In summary, the distributed small-scale gold flow system according to an embodiment of the present invention reduces the risk of a meeting by removing the color of the head. Moreover, in other embodiments, the system also reduces the risk of participants falling off by properly correcting the interest, assessing the risk.

The above description of the disclosure and the following description of the embodiments of the present invention are intended to illustrate and explain the spirit and principles of the invention, and to provide further explanation of the scope of the invention.

The detailed features and advantages of the present invention are set forth in the Detailed Description of the Detailed Description of the <RTIgt; </ RTI> <RTIgt; </ RTI> </ RTI> </ RTI> <RTIgt; The objects and advantages associated with the present invention can be readily understood by those skilled in the art. The following examples are intended to describe the present invention in further detail, but are not intended to limit the scope of the invention.

Please refer to FIG. 1 , which is a schematic diagram of a distributed small-scale gold flow system architecture according to an embodiment of the invention. As shown in FIG. 1, a distributed micro-investigation system 1000 according to an embodiment of the present invention has a plurality of first-class nodes 1101 to 1109, a second-type node 1210, a third-type node 1220, and computing devices 1310, 1320 and Four types of nodes 1400. The first type of nodes 1101~1106 and the second type of nodes 1210 are assigned as the first group G1, and the first type of nodes 1104~1109 and the third type of node 1220 are assigned as the second group G2.

In an embodiment, the first group G1 and the second group G2 are substantially one mutual assistance meeting. The first type of nodes 1101~1109 each correspond to a first type of account (user), the second type of node 1210 and the third type of node 1220 correspond to the second type of account and the third account, respectively, and the second type of account plays the first The role of the head of a group G1, while the account of the third type plays the role of the head of the second group G2. The fourth type of node 1400 is, for example, a bank node. A node is, for example, a cloud device or a data storage device that is connected to the Internet. Here, the first type of node 1101 corresponds to the first type of account A, the first type of node 1102 corresponds to the first type of account B, the first type of node 1103 corresponds to the first type of account C, and the first type of node 1104 corresponds to the first For a type of account D, the first type of node 1105 corresponds to the first type of account E, the first type of node 1106 corresponds to the first type of account F, the first type of node 1107 corresponds to the first type of account G, and the first type of node 1108 corresponds to In the first type of account H, the first type of node 1109 corresponds to the first type of account I. The first type of accounts A~F are all involved in the first group G1 mutual aid meeting, while the second type of accounts D~I are participating in the second group G2 mutual aid meeting.

Each first type of node stores the corresponding golden flow data of the first type of account. The second node 1210 and the third node 1220 also store the gold flow data of the second account and the gold flow data of the third account, respectively. Specifically, please refer to FIG. 2 , which is a schematic diagram of a node data structure according to an embodiment of the present invention. As shown in FIG. 2, node 2000 in accordance with an embodiment of the present invention has a plurality of storage blocks 2100, 2200, 2310, 2320, 2400, 2500, 2610, 2620, 2710, 2720, and 2800. Each block can store, for example, 10 transactions, and each block has an encryption rule. In an embodiment, the encryption rules of each block are different, thereby improving the difficulty of tampering with the data, and improving the trustworthiness of the stored data.

In an embodiment, each node may distribute its stored transaction records to other nodes periodically or on demand, so that the data corruption of the specific node may be avoided to cause the overall gold flow to be difficult to reconcile. In one embodiment, for example, when the data of the storage block 2200 of the node 2000 is full, and a scatter transaction record is sent from another node, the node 2000 writes it to the storage block 2320. The node 2000 itself continues to write the transaction record to the storage block 2310. Therefore, the storage block in the node may have branches.

Returning to FIG. 1, the computing device 1310 is adapted to collect the gold flow data of each node from at least a portion of the first type of nodes 1101 to 1109 (eg, the first type of nodes 1101 to 1106) and the second node 1210. In an embodiment, the computing device 1310 determines, according to the gold flow data of the corresponding first type account stored by the first type of nodes 1101~1106, whether the second type account corresponding to the second type of node 1210 has completed the due account receivable. Charged. In another embodiment, the computing device 1310 can determine whether the second type of account completes the collection of the accounts receivable due to the gold flow data of the second type of account stored by the second type of node 1210. In still another embodiment, the computing device 1310 compares the gold flow data stored by the first type of nodes 1101 to 1106 with the gold flow data stored by the second type of node 1210, and determines whether the second type of account has completed the due receivable. Charged.

When it is determined that the second type of account is completed, the computing device 1310 obtains at least one request data from the first type of account associated with the second type of account, that is, the first type of accounts A~F. The request information of the first type of account includes, for example, whether to request the appropriation, the interest rate to be paid in each subsequent period, or the interest to be paid. In an embodiment, the computing device 1310 will have a first type of account to request the data, and when there is no first type of account to request the data, the computing device 1310 directly sets the default request data for each of the first type of accounts. For example, if the first type of account C has sent the request information, the computing device 1310 does not set the preset request data for the other first type of accounts.

The computing device 1310 selects one of the first types of accounts A~F according to the received request data. Transfer the designated assets from the second type of account to the selected first type of account. For example, if the second type of account in this period receives a total of 60,000 yuan from the first type of account A~F, then the designated asset is 60,000 yuan. If the first category of accounts in this period, C and F, filed the request information. The first type of account C proposes that the interest to be paid in each period is 1,000 yuan, and the first type of account F proposes that the interest to be paid in each period is 900 yuan, and the computing device 1310 will select the first type of account. C, and transfer 60,000 yuan from the second type of account to the first type of account C, at the same time, the gold flow data will be written to the second type of node 1210 and the first type of node 1103.

In another embodiment, the first type of account C proposes that the interest rate to be paid in each period is 1% per period, and the first type of account F proposes that the interest to be paid in each period is 900 yuan, due to 1 % corresponds to the interest of 600 yuan, so the computing device 1310 will select the first type of account F, and transfer 60,000 yuan from the second type of account to the first type of account F, at the same time, the gold flow data will be written into the second Class node 1210 is associated with first class node 1106.

In an embodiment, the computing device 1310 further collects the golden stream data about the first type of accounts D~F from the third type of node 1320. In another embodiment, the computing device 1310 additionally collects the golden stream data of the third type account corresponding to the first type of account D~F and the third type of node from the first type of nodes 1104~1106.

In an embodiment, the computing device 1310 corrects the request data submitted by the first type of accounts D~F according to the collected gold flow data about the third type of account. For example, if the data shows that the first type of account F has a monthly income of 45,000 yuan, and according to the information reported when the first type of account F joins the first group G1, the holder of the first type of account F each The monthly expenditure for the month is 23,000 yuan. However, the data collected from the foregoing shows that the first type of account F must be paid to the third type of account for 12,500 yuan per month, so the computing device 1310 judges the first type of account F every month. The ability to pay is only 10,500 yuan, which means that if the interest recorded in the request data of the first type of account F exceeds 500 yuan, the interest should be revised to 500 yuan to avoid if the first type of account F will not be paid in the future. The reversal crisis that occurs when each period of accounts payable.

Thus, if the first type of account C proposes to pay interest rates of 1% per period in each period, and the first type of account F proposes to pay interest of 900 yuan per period in the future, since 1% corresponds The interest is 600 yuan, although 600 is less than 900, the arithmetic device 1310 calculates the modified interest of the first type of account F to be 500 yuan, so the computing device 1310 will select the first type of account C, and will be 60,000 yuan from the second type of account. Transfer to the first type of account C, at the same time, the gold flow data will be written to the second type of node 1210 and the first type of node 1103.

The fourth type of node 1400 can provide risk information for each of the first type of accounts A~I. The computing device 1210 can further determine which first-class node to select by referring to the risk data. For example, if the first type of accounts C, D, and F both request data. The first type of account C proposes that each period of interest will be paid at 1% per period. The first type of account D proposes to pay interest of 900 yuan per issue in the future. The first type of account F is proposed later. The interest to be paid in each period is 900 yuan. Since 1% corresponds to the interest of 600 yuan, the computing device 1310 finds that the interest of the first type of account F is the same as the first type of account D, so the computing device 1310 will go to the fourth type of node 1400. (ie, the bank) requests the risk data of the first type of account D and the first type of account F. If it is found from the risk data that the risk value of the first type of account D is low, the computing device selects the first type of account D, transfers 60,000 yuan from the second type of account to the first type of account D, and in the first type of node 1104 The second type of node 1210 joins the golden stream data.

In still another embodiment, the computing device 1210 does not request the risk information from the fourth type of node 1400 until the risk assessment needs to be performed with the same interest rate data. The computing device 1210 requests the risk information of the first type of accounts A~F to the fourth type of node 1400 after the second type of account completes the payment. For example, the risk value of the first type of account A is 0.1 (from 0 to 1, 1 is the highest), the risk value of the first type of account B is 0, and the risk value of the first type of account C is 0, the first type The risk value of account D is 0.3, the risk value of the first type of account E is 0.1, and the risk value of the first type of account F is 0.3. The first type of account C proposed that each period of interest will be paid at 1% per period. The first type of account D proposes to pay interest of 800 yuan per issue in the future. The first type of account F is proposed for each subsequent period. The interest to be paid during the period is 700 yuan. The arithmetic unit 1210 calculates the corrected interest by the following formula:

Corrected interest = interest * (1 - risk value)

The revised interest here is only used to evaluate and select the target of the loan. The first type of account that will be loaned in the future will still be paid using the interest originally proposed. With the above formula, the corrected interest of the first type of account C is 600, the corrected interest of the first type of account D is 560, and the corrected interest of the first type of account F is 490, so the computing device 1210 selects the first type of account C as the loan. The object transfers 6000 yuan from the second type account to the first type account C, and the above-mentioned gold flow data is added to both the first type node 1103 and the second type node 1210.

In another embodiment, the risk profile is only classified as low, medium, and high, and the computing device 1210 preferentially selects among the first type of accounts with low risk. For example, the risk data of the first type of account A is low, the risk data of the first type of account B is low, the risk data of the first type of account C is low, and the risk data of the first type of account D is medium. Degree, the risk data of the first type of account E is low, and the risk data of the first type of account F is moderate. Therefore, when only the first type of accounts C, D, and F request the materials, the computing device 1210 preferentially selects the first type of account C. When only the first type of accounts D, F make a request for information, the computing device 1210 considers which of the first type of accounts has a higher interest rate.

Referring to FIG. 3, it is a schematic diagram of a fourth type of node architecture according to an embodiment of the present invention. As shown in FIG. 3, the fourth type of node 1400 has a master node 1410 and a plurality of child nodes 1420~1490. Here, the child nodes 1420~1440 and 1460~1490 are, for example, branches of a bank, and the child node 1450 is, for example, a bank's loan department. For example, the first type of account A corresponding to the first type of node 1101 and the first type of account B corresponding to the first type of node 1102 have deposits at the branches corresponding to the child nodes 1420, and the first type of nodes 1103 correspond to the first The first type account D corresponding to the first type node 1104 has a deposit at the branch corresponding to the child node 1440, and the first type account F corresponding to the first type node 1106 corresponds to the first type of node 1107. The first type of account G has a deposit at the branch corresponding to the child node 1460. The first type of account E corresponding to the first type of node 1105 and the first type of account H corresponding to the first type of node 1108 are at the child node 1470. The corresponding branch has a deposit. The first type of account I corresponding to the first type of node 1109 has a deposit at the branch corresponding to the child node 1490, and the first type of account E also has a loan with the loan department. Each branch and loan department has its own transaction database, and these transaction databases can be viewed by the master node 1410 (for example, the head office or the sales department). The master node 1410 determines the risk data corresponding to the first type of accounts A~I according to the contents of the transaction databases. For example, the more deposits, the lower the risk data (risk value), and the more the loan, the higher the risk value. A fixed repayment/deposit deposit into the gold stream each month will also reduce the risk value.

In an embodiment, the master node 1410 of the fourth type of node 1400 (ie, the bank) reversely collects the gold stream data associated with each of the first type of nodes from the second type of node 1210 and/or the third node 1220. As such, the master node 1410 can further appropriately correct the risk value for each of the first type of accounts.

In an embodiment, please refer to FIG. 1 together. The second group G2 is, for example, a historical mutual aid association. In other words, it no longer actually exists. The second group G2 did not have a recurring event in a total of six periods (six participants). Although the second group G2 has been disbanded, the third type of node 1220 will still exist on the Internet, and the first type of account D~F corresponding to the first type of nodes 1104~1106 has participated in the second group G2 mutual aid meeting. Therefore, the master node 1410 reduces the risk value of the first type of accounts D~F. In other words, if a user has participated in multiple successful mutual aid meetings, they can be judged that their risk value should be lower than (others). In another embodiment, after the second group G2 is disbanded, the third type of node 1220 can be destroyed, and the stored gold stream data can be retained by the fourth type of node 1400.

In summary, the distributed small-scale gold flow system according to an embodiment of the present invention reduces the risk of a meeting by removing the color of the head. Moreover, in other embodiments, the system also reduces the risk of participants falling off by properly correcting the interest, assessing the risk.

Although the present invention has been disclosed above in the foregoing embodiments, it is not intended to limit the invention. It is within the scope of the invention to be modified and modified without departing from the spirit and scope of the invention. Please refer to the attached patent application for the scope of protection defined by the present invention.

1000‧‧‧Distributed small-scale gold flow system

1101~1109‧‧‧first class node

1210‧‧‧Second type of nodes

1220‧‧‧ third class node

1310, 1320‧‧‧ arithmetic device

1400‧‧‧Fourth type of node

1410‧‧‧Master node

1420~1490‧‧‧ child nodes

2000‧‧‧ nodes

2100~2800‧‧‧ Storage block

1 is a schematic diagram showing the architecture of a distributed small-scale gold flow system according to an embodiment of the present invention. 2 is a schematic diagram of a node data structure according to an embodiment of the invention. FIG. 3 is a schematic diagram of a fourth type of node architecture according to an embodiment of the invention.

Claims (7)

A decentralized small amount of gold flow system includes: a plurality of first type nodes, wherein the first type of nodes are in one-to-one correspondence with a plurality of first type accounts, and each of the first type of nodes has a corresponding first The gold flow data of the class account; a second type of node corresponding to a second type of account, and the second type of node has corresponding gold flow data of the second type of account, the second type of account is associated with the part of the account The first type of account; the at least one third type of node is associated with the at least one third type of account, and the at least one third type of node stores the corresponding golden flow data of the at least one third type of account, the at least one third The class account interacts with at least one of the first type of accounts; and an computing device adapted to collect data from the first type of nodes and the second node and collect the golden stream of the at least one third type of account The data is used to determine, according to the gold flow data of the first type of accounts associated with the second type of account, whether the second type of account completes the collection of an expired receivable, and when determining the second type of account Upon completion of the collection, from the account associated with the second category Obtaining at least one request data for each of the first type of accounts, each of the request materials includes an interest rate data, and the computing device selects to associate with the at least one request data and the gold flow data of the at least one third type account a portion of the first type of account of the second type of account, and transferring a designated asset from the second type of account to the selected first type of account; wherein the first type of node, the second type Each of the node and the at least one third type of node includes a plurality of storage blocks, each of the storage blocks each having an encryption rule. The system of claim 1, wherein each of the request materials includes an interest rate data, and the computing device selects at least some of the portions associated with the second type of account based on the at least one interest rate data included in the at least one request material. One of a class of accounts. The system of claim 2, wherein the computing device generates at least one revised interest rate data according to the at least one interest rate data and the gold flow data of the at least one third account, and the computing device selects the association according to the at least one revised interest rate data. One of these first-class accounts in the second category of accounts. The system of claim 3, wherein when the at least one revised interest rate data is a plurality of revised interest rate data, the computing device compares the modified interest rate data to select a maximum of the corrected interest rate data corresponding to the modified interest rate data The first type of account. The system of claim 1, further comprising: a fourth type of node interacting with the first type of accounts; wherein the computing device obtains, from the fourth type of node, a portion associated with the second type of account, the first The plurality of risk data of the class account, and the computing device is further based on the risk information when selecting one of the first class accounts associated with the second type of account. The system of claim 5, wherein the fourth type of node comprises: a plurality of child nodes, each of the child nodes being associated with a portion of the first type of accounts, and each of the child nodes has a corresponding transaction database And a master node for determining the risk data according to the transaction databases of the child nodes. The system of claim 6, wherein the master node further collects the gold flow data of the second type of account from the second type of node to modify the risk data.