CN104537560A - Network type credit and debt processing method and system - Google Patents

Network type credit and debt processing method and system Download PDF

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Publication number
CN104537560A
CN104537560A CN 201510003306 CN201510003306A CN104537560A CN 104537560 A CN104537560 A CN 104537560A CN 201510003306 CN201510003306 CN 201510003306 CN 201510003306 A CN201510003306 A CN 201510003306A CN 104537560 A CN104537560 A CN 104537560A
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China
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debts
information
data
debt
module
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CN 201510003306
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Chinese (zh)
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徐乐家
崔建明
张小军
徐晓玲
霍永
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青岛有容发展有限公司
青岛山科智汇信息科技有限公司
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Priority to CN 201510003306 priority Critical patent/CN104537560A/en
Publication of CN104537560A publication Critical patent/CN104537560A/en

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Abstract

The invention discloses a network type credit and debt processing method. The method includes the following steps that user registration is performed; users issue information which at least comprises credit and debt information and can further comprise information of related parties; the credit and debt information and the information of the related parties are sent to registered corresponding credit and debt opposite parties and the related parties, and whether the credit and debt relations and the correlations are true or not is judged by the registered corresponding credit and debt opposite parties and the related parties; the corresponding users judge whether the relations of the related parties and the credit and debt relations are true or not; the multiple credit and debt relations are matched according to the confirmed credit and debt and the confirmed information of the related parties so that a closed credit and debt chain can be formed; account balance payment of the closed credit and debt chain is completed. The invention further provides a network type credit and debt processing system which comprises a data registration module, a data inputting module, a data storage module, a data analysis module, a data sending module, a data confirming module and a data processing module. The method and system can be used for performing fast and safe payment on credit and debt.

Description

一种网式债权债务处理方法和系统 One kind of net debts processing method and system

技术领域 FIELD

[0001] 本发明涉及计算机应用技术领域,特别涉及一种网式债权债务处理方法和系统。 [0001] The present invention relates to the field of computer application technology, particularly to a mesh debts processing method and system.

背景技术 Background technique

[0002] 现实生活中,个人债、公司债、银行债、政府债、甚至高利贷,债债相扣,比比皆是,无处不在,几乎没有人独善其身、置身事外。 [0002] In real life, the personal bonds, corporate bonds, bank debt, government debt, and even usury, debt debt linked together, everywhere, everywhere, almost no one spared, stay out. 随着市场经济的高度发展,世界经济一体化,债权债务关系将深刻影响每一个人或公司。 With a highly developed market economy, the world economy, debt payment will profoundly affect every person or company.

[0003] 在现今多种因素如市场环境、银行付款方式、行业付款模式的影响下,债权(credit,应收款)和债务(debt,应付款)会因各种原因周转变慢和沉淀,周期变长,甚至会出现坏帐,给个人或公司造成巨大的资金压力,影响公司的正常经营和发展。 [0003] Under such market environment, many factors influence today's banking industry payment mode of payment, the creditor (credit, receivables) and debt (debt, payables) due to various reasons and slow turnover precipitation, cycle becomes longer, there may even be bad debts, resulting in huge financial pressure on individuals or companies, affecting the normal operation and development of the company.

[0004] 现实中债权债务(应收应付)支付依赖于银行或现金,如果银行现金出现问题(现实中经常出现沉淀或周期长周转慢现象),造成资金大量积压或沉淀,只能一直挂在资产负债表上,还造成了大量浪费。 [0004] reality debts (accounts payable) or cash payment depends on the bank, if the bank cash problems (often precipitates or long period of slow turnover in reality phenomenon), resulting in a large backlog of funds or precipitation, it can only have been hung on the balance sheet, but also caused a lot of waste.

[0005] 如果出现支付问题,则要么只能通过时间来消化,要么双方多次交涉进行催要,要么双方诉诸法院进行催要,要么通过其它办法进行催要,以上办法限于双方之间进行处理,没有第三方做协调或沟通,可以说是堵的概念,造成太多社会问题。 [0005] If the payment problem, then either can only be digested by time or repeated representations were bombarded both sides, the two sides bombarded either go to court or be bombarded by other means, be limited to the above measures between the two sides processing, there is no third party to do the coordination or communication, can be said that the concept of block, resulting in too many social problems.

发明内容 SUMMARY

[0006] 本发明的目的是提供一种网式债权债务处理方法和系统,能够在不导入资金的情况下,对债权债务进行快速、安全、网络化交易支付。 [0006] The present invention is to provide a net debts processing method and system, can import without money, credit and debt for fast, secure, network-based payment transactions.

[0007] 本发明提供了一种网式债权债务处理方法,包括如下步骤:用户注册;用户发布信息,其中所述信息至少包括债权债务信息,还可以包括关联方信息;向已经注册过的对应的债权债务相对方和关联方发送债权债务以及关联方信息,由其判断债权债务关系、关联关系分别是否成立;相应用户判断关联方关系、债权债务关系是否成立;根据确认了的债权债务以及关联方信息,对多个债权债务关系进行匹配,形成闭合债权债务链;完成闭合债权债务链的进行平账支付。 [0007] The present invention provides a net debts processing method comprising the steps of: user registration; users to publish information, wherein the information comprises at least debts information may further include information related party; is already registered to a corresponding the opposing party sends debts and debts and related parties related party information is determined by obligatory relationships are relationships are satisfied; Analyzing the user associated party, debt payment is satisfied; confirmed according to the debts and associated destination information, a plurality of matching claims and liabilities, to form a closed chain debts; complete closure debts account payment chain is flat.

[0008] 进一步地,一种网式债权债务处理方法,还包括如下步骤,对平账成功的闭合债权债务链,出具平账证明单。 [0008] Further, a mesh debts processing method further comprising the step of balancing the books successful closed chain debts, issued proof flat single bill.

[0009] 进一步地,一种网式债权债务处理方法,还包括如下步骤,在形成闭合债权债务链后,计算保证金,由所述闭合债权债务链涉及的当事人缴纳保证金,所述保证金在平账完成或出具平账证明单之前,处于锁定状态,在平账完成或出具平账证明单之后,收取所述保证金。 [0009] Further, a mesh debts processing method further comprising the step of, after forming a closed chain debts, the margin calculated by the closed chain debts parties involved in a cash deposit in the deposit account level issued before the completion of flat or single proof bill, in a locked state, after the completion of flat or posting accounts issued flat single proof, the deposit fee.

[0010] 进一步地,一种网式债权债务处理方法,还包括如下步骤,用户完成注册后,向其发布的债权债务的相对方和/或关联方发送用户注册邀请信息;根据所发布的债权债务和关联方信息,向没有注册的债权债务相对方和关联方发送用户注册邀请信息。 [0010] Further, a mesh debts processing method further comprising the step of, after the user registration is completed, the release of its debts opposite party and / or associated user sends invitation information registration; issued in accordance with claims debt and related party information is not registered to the opposite party debts and related party invitation sent user registration information.

[0011] 进一步地,一种网式债权债务处理方法,在步骤形成闭合债权债务链中,若所形成的一个网式闭合债权债务链未能完全交易支付各节点的所有债权债务,则根据债权债务信息的匹配,形成两个或多个完整的闭合债权债务链。 [0011] Further, a mesh debts processing method, the step of forming a closed chain debts, a net closing all debts debts chain has not been fully paid transactions if the nodes are formed in accordance with the claims match debt information, forming two or more complete closed chain debts.

[0012] 进一步地,一种网式债权债务处理方法,在步骤完成闭合债权债务链的平账支付中,以闭合债权债务链节点中的债权或债务最小金额作为支付金额。 [0012] Further, a mesh debts processing method is completed at step bill pay debts flat closed chain, to close the chain nodes debts debt or liability payment amount as a minimum amount.

[0013] 进一步地,一种网式债权债务处理方法,在步骤完成闭合债权债务链的平账支付中,以闭合债权债务链节点中的债权或债务最小金额作为支付金额,并以所述最小金额计算所述保证金,所述保证金以第三方的形式进行收取和支付。 [0013] Further, a mesh debts processing method is completed at step chain closed flat debts account payments, to close the chain of nodes debts debt or liability payment amount as a minimum amount, and to minimize the calculate the amount of margin, the margin were received and paid in the form of a third party.

[0014] 本发明还提供了一种网式债权债务处理系统,包括用于用户注册的数据注册模块,用于数据录入、校验、传递的数据录入模块,数据存储模块,用于全程监测用户的所有操作行为、并分析用户的操作数据、保证数据合法性和有效性的数据分析模块,用于发送债权债务和关联方信息的数据发送模块,用于查看债权债务和关联方信息是否被用户确认的数据确认模块,以及用于对确认后的债权债务和关联方信息进行分析和处理的数据处理模块,其中,所述数据录入模块校验用户输入信息的合法性,并将核实无误的信息传送给所述数据存储模块,将待确认的债权债务信息和关联方信息传送给所述数据发送模块;所述数据发送模块将信息传送给用户,由其确认或拒绝;所述数据确认模块将用户确认过的信息传送给所述数据处理模块;所述数据处理模块对 [0014] The present invention further provides a net debts processing system comprising a user registration data registration module for data entry, verification, pass data entry module, a data storage module for global monitor user All operational behavior, and analyze operational data users, to ensure the legitimacy and effectiveness data of the data analysis module, data transmission module sends debts and related parties for information, or check whether debts and related party information is user confirmation data confirming module, and a data processing module configured to debts and related party confirmation information analysis and processing, wherein said data entry module verify the legitimacy of the user input information, and to verify the correct information transmitting to said data storage module, the information to be confirmed debts and related party information to the data transmitting module; said data transmitting module transmits information to the user to confirm or reject therefrom; acknowledgment of the data module confirmed the user information to the data processing module; said data processing module 所收到的经用户确认的信息进行分析,对符合相应规则的进行运算处理,对不符合规则的回滚给用户,提示其重新操作;所述数据分析模块将处理后的信息对应传送给所述数据存储模块、数据录入模块、数据发送模块、数据确认模块、数据处理模块。 Information received via the user confirmation is analyzed, performs arithmetic processing comply with the appropriate rules, the rules do not meet a user to rollback, suggesting that re-operation; transmitting the information corresponding to the data analysis module to process the said data storage module, data entry module, the data transmission module, data validation module, a data processing module.

[0015] 进一步地,一种网式债权债务处理系统,还包括用于向用户展示数据处理结果的数据展示模块,通过接收所述数据处理模块发送的数据进行展示。 [0015] Further, a mesh debts processing system further comprises a data processing result display means for data presented to the user, for display by a data processing module receiving the data transmitted.

[0016] 本发明提供了一种网式债权债务处理方法和系统,引入了关联方的概念,增加了可供选择的债权债务关系的数量,提高了债权债务链匹配的成功率,在不导入资金的情况下,对债权债务进行快速、安全、网络化交易支付,加速资金流转,提高效益。 [0016] The present invention provides a net debts processing method and system, the concept of related parties, increases the number of claims and liabilities an alternative, to improve the success rate of matching chain debts, without introducing in the case of funds for credit and debt fast, secure, network-based payment transactions, accelerate cash flow, improve efficiency. 通过引入多重债权债务链,增加了债权债务的使用频度,可以最大程度上完成债权债务的平账。 By introducing multiple debts chain, increasing the frequency of use of credit and debt, credit and debt to complete the maximum extent possible on balancing the books.

[0017] 本发明的其它特征和优点将在随后的说明书中阐述,并且,部分地从说明书中变得显而易见,或者通过实施本发明而了解。 [0017] Other features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or learned by practice of the present invention. 本发明的目的和其他优点可通过在所写的说明书、权利要求书、以及附图中所特别指出的结构来实现和获得。 The objectives and other advantages of the invention may be realized and attained by the written description, claims, and drawings structure particularly pointed out.

[0018] 下面通过附图和实施例,对本发明的技术方案做进一步的详细描述。 [0018] The following drawings and embodiments, detailed description of the further aspect of the present invention.

附图说明 BRIEF DESCRIPTION

[0019] 附图用来提供对本发明的进一步理解,并且构成说明书的一部分,与本发明的实施例一起用于解释本发明,并不构成对本发明的限制。 [0019] The accompanying drawings provide a further understanding of the present invention, and constitute part of this specification, the embodiments of the invention, serve to explain the invention, not to limit the present invention. 在附图中: In the drawings:

[0020] 图1为本发明一个关于方法的具体实施例中用户注册步骤的示意图; [0020] Fig 1 a schematic view of a user registration procedure in the specific embodiment of the invention relates to a method;

[0021] 图2为本发明一个关于方法的具体实施例中关联方信息确认的示意图; [0021] FIG 2 a schematic view of a related party information identified particular embodiment of the invention relates to a method;

[0022] 图3为本发明一个关于方法的具体实施例的流程示意图; [0022] FIG. 3 is a flow diagram showing a specific embodiment relates to a method embodiment of the invention;

[0023] 图4为本发明一个关于方法的具体实施例中形成的债权债务网格示意图; [0023] FIG 4 a grid debts schematic form specific embodiment relates to a method embodiment of the invention;

[0024] 图5为本发明一个关于方法的具体实施例中形成的网式闭合债权债务链示意图; [0024] Figure 5 a specific embodiment relates to a method of forming the mesh chain debts schematic embodiment of the present invention is closed;

[0025]图6为本发明一个关于系统的具体实施例的结构示意图; [0025] Fig 6 a schematic structural diagram for the implementation of a particular system embodiment of the present invention;

[0026]图7为本发明一个关于系统的具体实施例的网络示意图; [0026] Figure 7 a schematic view of a network for the implementation of a particular system embodiment of the present invention;

[0027]图8为本发明一个关于系统的具体实施例中用户邀请其所发布债权债务相对人和关联方进行注册的示意图。 [0027] Figure 8 a schematic diagram of a user invitation publish their counterparts and debts related parties registered on the particular system embodiment of the invention.

具体实施方式 Detailed ways

[0028] 以下结合附图对本发明的优选实施例进行说明,应当理解,此处所描述的优选实施例仅用于说明和解释本发明,并不用于限定本发明。 [0028] Hereinafter, the preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, it should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention and are not intended to limit the present invention.

[0029] 本发明所提供的方法和系统具有如下几个特点:1.除银行直接支付外,所述方法和系统增加了一种支付实现方式,并且只是一种信用支付方式,基于一对或多对双方对债权债务、关联方信息的确认,将很多应收应付却现实中无法履行的债权债务充分利用起来,增加了债权债务履行成功的可能性,但不影响资金周转,更加有利于财务的平衡。 [0029] The method and system of the present invention is provided having the following characteristics: 1. In addition to direct bank payment, the method and system implementation adds a payment, and only a credit payment, based on a pair or Both sides confirmed pairs of credit and debt, related party information, but the reality will be a lot of accounts payable debts that can not be fulfilled fully utilized, increasing the likelihood of successful fulfillment of credit and debt, but does not affect cash flow, more conducive to financial balance. 2.双方自主自愿、完全同意到所述系统进行信用支付,双方将沉淀的债权债务发布到系统上,相互确认后形成有效数据,系统对数据进行串联匹配,形成网式闭合债权债务链(信用链)进行支付,在系统上发布信息,无需合同、借据、发票、协议等法律证明及手续,只需双方凭信用,在系统上确认即可,十分快捷、方便。 2. The Parties voluntarism and full consent to the credit payment system, the two sides will precipitate debts posted to the system, to form an effective mutual recognition data, the data series matching system, the formation of net closed chain debts (credit chain) payment, publish information on the system, without having to prove legal procedures and contracts, promissory notes, invoices, agreements, the two sides only with credit, you can confirm on the system very quickly and easily. 3.如果有双方对债权债务关联方信息或金额有异议,则需线下自行协商解决,与本发明所提供的系统无关,协商完结后,双方再登录系统进行处理,既不影响用户对实际债权债务关系的判断,又将法律风险以及需要对债权债务所作的进一步处理与作为服务提供者的第三方隔离开来,使得既真正解决用户问题,又避免了第三方承担不必要的法律风险。 3. If the parties disagree on related party debts or the amount of information, the next you need to line their own negotiated settlement, regardless of the system of the present invention provides, in consultation ended, the two sides re-sign-on system for processing will not affect the actual user judgment creditor-debtor relationship, in turn legal risks and the need for further processing of claims and liabilities made with isolate as a third party service provider to open, so that the user only real solution to the problem, but also avoid taking unnecessary legal risks to third parties.

[0030] 本发明提供的网式债权债务处理方法和系统引入了关联方的概念。 [0030] mesh debts methods and systems provided by the invention introduces the concept of a related party. 关联方是指与注册用户有完全等同关系或重要影响、控制关系的个人、公司、组织或部门。 Related parties are individuals, companies, organizations or departments and registered users have exactly the same relationship or significant influence, control relationship. 在所提供的债权债务信息所形成的数据中,有很多节点是单方向的,是不能串联成功的,例如一个节点是单方向债权C — D,另一个节点也是单方向债务E — F,如果将其D和E视为关联方,则变成CD = E- F,这样就有增加了形成闭合债权债务链的可能性,增加了平账成功的概率。 Debts data information provided to be formed, there are many nodes in one direction, is not successful in series, for example, a node is a single direction of Claims C - D, the other node is uni-directional debt E - F, if D and E, which are regarded as related parties, becomes CD = E- F, so there increases the possibility of forming a closed chain of credit and debt, increasing the probability of success of balancing the books.

[0031] 本发明提供的网式债权债务处理方法和系统将关联方视为一个整体,关联方之间债权债务信息视为一个整体的信息,完全等同。 [0031] mesh debts methods and systems of the present invention provides the related parties as a whole, as a whole debts information related parties of information, exactly the same. 若A和B是关联方,A的债权可以视为B的债权,债务亦然;同样B的信息对A也是一样。 If A and B are related parties, can be seen as debt A creditor B, the debt is no different; the same information on A B is the same.

[0032] 形成关联方的条件可以是:①A是个人,而A又成立了一个独资公司B,或有一个完全控制关系的公司BA、B是公司,A是B的全资子公司,或B是A的全资子公司;或A、B同属某公司完全控制。 Conditions [0032] formation may be related parties: ①A is personal, and A and B set up a wholly-owned company, or a company complete control of the relationship between BA, B company, A wholly owned subsidiary of B or B It is a wholly owned subsidiary of a; or a, B belong to a company in full control. ③A和B是夫妻、父子、母子,兄弟或其他亲密关系双方无异议,为增加成功的概率,或更好的解决债权债务问题,完全同意债权债务相互转化。 ③A and B are husband and wife, father and son, mother, brother or other close relationship between the two, without objection, to increase the probability of success, or better credit and debt problems to solve, totally agree debts into each other.

[0033] 例如,某集团A,下设子公司D和E,D经营房地产,对外欠工程款(应付);E是一家工厂,外面销售款项(应收)沉淀部分,流转较慢;这样D和E可以相互确认为关联方关系,将两家公司原先毫不相干的应收款和应付款连在一起,通过本发明提供的网式债权债务处理方法进行平帐支付,加速资金周转,缓解资金压力。 [0033] For example, a group A, D and subsidiaries under the E, D engaged in real estate, foreign owed for projects (payable); E is a factory outside sales amount (receivable) precipitation section, turnover is slow; so D and E can be confirmed as a related party relationship with each other, the two companies originally nothing to do with receivables and payables together, net debts processing method provided by the present invention is a flat payment accounts, accelerate cash flow, ease financial pressure. 再例如,A — B — C — D、E — F — Μ — A,这是两条没成功的债权债务链,在这个链条中D和E是关联方,形成一条成功的网式闭合债权债务链A — B — C — D = E — F — Μ — A。 For another example, A - B - C - D, E - F - Μ - A, this is not successful two debts chain, this chain in D and E are related parties, a successful formation of a closed mesh debts chain A - B - C - D = E - F - Μ - A. 在链条中关联方之间是等号,其它地方是箭头,有方向。 Chain between the related parties of the equal sign is an arrow rest, directional.

[0034] 双方是否被视为关联方,完全由双方自愿,将各自对外的单方面债权和债务,转为双方内部的债权债务,更有效的解决债权债务问题,极大提高了成功的概率;而线下能否转移,视双方意愿决定。 [0034] the two sides are regarded as related parties, entirely voluntarily by the parties, the respective unilateral external claims and liabilities, the two sides into the interior of the credit and debt, more effective solution to the problem debts, greatly increasing the probability of success; The ability to transfer the line, depending on the wishes of the two sides decided. 比如,用户A发布了关联方信息,用户B需进行独立的风险判断,由其决定是否确认关联方。 For example, user A related party information is posted, the user B to be an independent risk judge, who will decide whether to confirm the related parties. 此外,在实际中债权债务能否在关联方之间转移,也视两者意愿而定,与该服务的提供者以及本发明所提供的系统均无关,这不仅保障了实际中的债权债务最大程度和切实地使用,也将服务提供商完全排除在具体业务之外,保障了其中立地位。 In addition, credit and debt between related parties can transfer practice, also depending on the wishes of both may be, have nothing to do with providers and system of the present invention to provide the service, which not only protect the actual maximum credit and debt degree and practical use, the service provider will be completely excluded from specific business, protect its neutrality.

[0035] 本发明提供的网式债权债务处理方法,包括如下步骤:用户注册;用户发布信息,其中所述信息至少包括债权债务信息,还可以包括关联方信息;向已经注册过的对应的债权债务相对方和关联方发送债权债务以及关联方信息,由其判断债权债务关系、关联关系分别是否成立;相应用户判断关联方关系、债权债务关系是否成立;根据确认了的债权债务以及关联方信息,对多个债权债务关系进行匹配,形成闭合债权债务链;完成闭合债权债务链的平账支付。 [0035] The mesh debts processing method provided by the invention, comprising the steps of: user registration; users to publish information, wherein the information comprises at least debts information may further include information related party; already registered to the claims of the corresponding debt to related parties and sends debts and related party information is determined by obligatory relationships are relationships are satisfied; Analyzing the user associated party, debt payment is established; confirm information according to related parties of debts and , obligations between the plurality of matching form a closed chain debts; complete closure debts chain flat payment account.

[0036] 用户首先需要进行注册,注册成功后发布自己的债权债务以及关联方信息。 [0036] The user first need to register, registration is successful release their debts and related party information. 对用户所发布债权债务以及关联方信息进行格式、文法等校验,并提示用户提供正确的债权债务以及关联方信息,至到无误从而进行确认,向已经注册过的对应的债权债务相对方和关联方发送债权债务以及关联方信息,由其判断关联关系、债权债务关系分别是否成立,对于不存在的对应的债权债务相对方和关联方发送注册邀请信息,待其成为注册用户后,向其发送对应的债权债务相对方和关联方信息。 Debts and related party information published by users on format, grammar check etc, and prompts the user to provide proper debts and related party information, to thereby confirm the correct, corresponding to the already registered counterparty credit and debt and after sending debts related parties and related party information, determine its relationship, debtor-creditor relationship is established, respectively, for non-existent debts corresponding opposite party and related party registration to send the invitation message, let it become a registered user, its sends a corresponding opposite party debts and related party information. 根据确认了的债权债务以及关联方信息,对多个债权债务关系进行匹配,形成闭合债权债务链,完成闭合债权债务链的平账支付。 The confirmation of the debts and related party information for a plurality of matching claims and liabilities, debts chain forms a closed, complete a closed chain debts payment account level. 对于关联方,关联方信息确认后,在匹配形成完全闭合的债权债务链以前可以解除关联方,在债权债务闭合链配比完成后,一直到平账以后方可解除。 For related parties, the related party confirmation message, the previous match in a completely closed debts disassociated side chain may, after completion of debts closed chain ratio, until the level after the account be lifted. 其中,用户注册的示意图可以参照附图1,关联方信息确认的示意图可以参照附图2。 Wherein, user registration may schematic Referring to Figure 1, a schematic view of a confirmation message related party may reference to Figure 2.

[0037] 作为一个具体实施例,本发明提供的网式债权债务处理方法,还包括如下步骤,对平账成功的闭合债权债务链,出具平账证明单。 [0037] As a specific embodiment, the net debts processing method of the present invention provides, further comprising the step of balancing the books successful closed chain debts, issued proof flat single bill. 平账成功后,出具平账证明单,有利于用户进行备案和查询,还可以作为债权债务了结或部分履行的凭证。 After balancing the books is successful, a single proof issued by balancing the books will help the user to record and queries, you can also settle debts or as a partial fulfillment of credentials.

[0038] 作为一个具体实施例,本发明提供的网式债权债务处理方法,还包括如下步骤,在形成闭合债权债务链后,计算保证金,由所述闭合债权债务链涉及的当事人缴纳保证金,所述保证金在平账完成或出具平账证明单之前,处于锁定状态,在平账完成或出具平账证明单之后,收取所述保证金。 [0038] As a specific embodiment, the net debts processing method of the present invention provides, further comprising the step of, after forming a closed chain debts, the margin calculated by the closed chain debts parties involved cash deposit, the said margin level until completion or posting accounts issued proof single level, in a locked state, after the completion of flat or posting accounts issued flat single proof, the deposit fee. 通过该步骤,提供债权债务服务的服务方可以赚取服务费。 By this step, providing credit and debt service of the service side can earn service fees. 对于关联方,关联方信息确认后,在匹配形成完全闭合的债权债务链以前可以解除关联方,在债权债务闭合链配比完成,服务费缴纳成功后,不能解除关联方,一直到平账以后方可解除。 For affiliates, the information related parties confirmed in the previous match to form a completely closed debts related party may terminate the chain, the chain closed in credit and debt ratio is completed, after the payment of success fees can not disassociate the party until after balancing the books be lifted.

[0039] 作为一个具体实施例,本发明提供的网式债权债务处理方法,还包括如下步骤,用户完成注册后,向其发布的债权债务的相对方和/或关联方发送用户注册邀请信息;根据所发布的债权债务和关联方信息,向没有注册的债权债务相对方和关联方发送用户注册邀请信息。 [0039] As a specific embodiment, the net debts processing method of the present invention provides, further comprising the step of, after the user registration is completed, the release of its debts opposite party and / or associated user sends invitation information registration; according to related party debts and the information released to the unregistered debts and related party opposite party to send the user information registration invitation. 通过不断增加注册用户,极大地提高了债权债务平账成功的概率。 By increasing registered users, greatly increasing the probability of success of claims and liabilities balancing the books.

[0040] 作为一个具体实施例,本发明提供的网式债权债务处理方法,步骤判断用户关联关系是否成立和用户对债权债务进行确认进一步包括如下步骤,根据用户发布的关联信息向相关用户传递判断信息,相关用户进行确认或拒绝;根据用户发布的债权债务信息向相关用户传递判断信息,相关用户进行确认或拒绝。 [0040] As a specific embodiment, the net debts processing method provided by the invention, the step of determining whether the user relationship and the established user debts confirm further comprising the step of transmitting information related to the relevant user according to the user's judgment release information related to the user for confirmation or denial; pass judgment information related to the user based on credit and debt information posted by users, the relevant user to confirm or reject.

[0041] 作为一个具体实施例,本发明提供的网式债权债务处理方法,在步骤形成闭合债权债务链中,若所形成的一个网式闭合债权债务链未能完全交易支付各节点的所有债权债务,则根据债权债务信息的匹配,形成两个或多个完整的闭合债权债务链。 [0041] As a particular embodiment, all claims, debts mesh processing method provided by the invention, the step of forming a closed chain debts, a closed mesh formed debts when the chain has not been fully paid transactions each node debt, the debts according to a matching information, full form two or more closed chains debts. 通过该步骤,大大提升了整个方法和对应系统的平账成功的概率,同时增加了处于两个多个闭合债权债务链中债权债务的使用率,最大程度地减少上述债券债务的额度。 By this step, greatly enhance the probability of success of the overall process and the corresponding account level systems, while increasing usage in a plurality of two closed chains debts debts, and to minimize the amount of the above-described bond debt.

[0042] 作为一个具体实施例,本发明提供的网式债权债务处理方法,在步骤完成闭合债权债务链的平账支付中,以闭合债权债务链节点中的债权或债务最小金额作为支付金额。 [0042] As a specific embodiment, the net debts processing method provided by the invention, the closure is completed at step chain debts flat account payments, to close the chain of nodes debts debt or liability payment amount as a minimum amount. 通过该步骤,提供一种处理两个或多个闭合债权债务链的方法,此外还可以使用其它确定两个或多个闭合债权债务链平账额度的方法,比如在两个多个闭合债权债务链中动态分配处于两个多个闭合债权债务链中债权债务,然后分别执行两个多个闭合债权债务链,或者对两个多个闭合债权债务链的执行先进行排序再进一步按照最小值原则分别确定两个多个闭合债权债务链的平账额度,诸如类似方法都在本发明保护范围之内。 By this step, there is provided a method of processing two or more closed chains debts, in addition to other methods may be used to determine two or more closed chains flat debts quota account, such as a plurality of two closed debts dynamic allocation chain closed in a plurality of two chain debts debts, and a plurality of separately performing debts two closed chains, or a plurality of two closed chains debts first performing still further sorted in accordance with the principle of minimum respectively determining a plurality of closed two threshold levels account debts chain, such as in a similar manner are within the scope of the present invention.

[0043] 作为一个具体实施例,本发明提供的网式债权债务处理方法,在步骤完成闭合债权债务链的平账支付中,以闭合债权债务链节点中的债权或债务最小金额作为支付金额,并以所述最小金额计算所述保证金,所述保证金以第三方的形式进行收取和支付。 [0043] As a specific embodiment, the net debts processing method provided by the invention, the closure is completed at step chain debts flat account payments, to close the chain of nodes debts debt or liability payment amount as a minimum amount, and to calculate the minimum amount of the deposit, the deposit be received and paid in the form of a third party.

[0044] 用户的保证金资金不打入服务提供者的帐户,先打入第三方支付公司帐户,待所有当事人全部支付保证金成功后,冻结保证金帐户,签字办完手续后,保证金才转为服务费划入指定帐户。 [0044] margin funds are not user into the account of the service provider, the first third-party payment companies into account, to be paid in full for all parties to guarantee success, freeze margin account, after the signing of finishing the procedures, only the margin into service fee assigned to the specified account. 如果不成功,节点当事人可自由通过第三方支付将资金退回。 If unsuccessful, the parties are free node will return funds through third-party payment. 这更好地保证了各节点用户资金安全。 This is to better ensure the safety of funds each user node. 对于保证金的计算方式,也可以采取其它计算标准,比如对于处于某一额度范围的平帐金额,收取固定费用。 For the calculation of the margin, it may also take other computing standards, such as for a certain amount of money in the account level range, charging a fixed fee.

[0045] 作为本发明的一个优选实施例,其整体工作流程参见图3,具体步骤如下: [0045] As a preferred embodiment of the present invention, the overall workflow Referring to Figure 3, the following steps:

[0046] 用户到交易支付系统注册,成为注册用户,该步骤完全自主自愿,不收取任何费用; [0046] transaction payment system users to register and become a registered user, this step is completely independent and voluntary, no charge;

[0047] 注册后的用户完善相关用户信息,进一步提供如身份证号、营业执照和登记证书号等信息,信息务必客观真实、准确无误,并且符合系统的校验要求,其中,身份证号是指个人识别码,营业执照是指公司识别码,登记证书是指其它组织识别码; [0047] after the registered user to improve the relevant user information, further information such as ID number, business license and registration certificate number and other information be sure to objective truth, accuracy, and verify compliance with the requirements of the system, which is the ID number means the personal identification number, business license is the company identification number, registration certificate refers to the identification codes of other organizations;

[0048] 注册用户通过系统发布债权债务和关联方信息; [0048] registered users to publish debts and related party information systems;

[0049] 该用户邀请债权债务的相应当事人以及所发布的关联方在交易支付系统进行注册,再对系统传递的数据进行确认或拒绝,从而确认债权债务和关联方关系的有效性;债权债务的对方当事人注册成功后,可以同时发布自身的债权债务信息,并邀请自己所发布债权债务的对方当事人和自己的关联方到系统注册、发布和确认信息,以此类推……,比如在ABCDEFMA网式闭合债权债务链中,A用户注册及发布信息后,可邀请上一节点M和下一节点B,到系统注册,确认A用户发布的信息,M和B也可同时发布信息,再邀请C和F注册确认,其中其它任何一个用户也可自主、自愿到系统注册且发布信息,另外,系统也可以根据有效的债权债务和关联方信息向债权债务相对人和关联方发送注册信息; [0049] The user invitation debts of the respective parties and related party transactions issued in registered payment system, and then the data transfer system to confirm or deny, thus confirming the validity of claims and liabilities and the related party relationships; credit and debt after the success of the other party registration, you can publish the same time its own credit and debt information, and invite their credit and debt issued by the other party and their related parties to the registration system, release and confirm information, and so on ......, such as network type in ABCDEFMA debts closed chain, and release a user registration information, a node may be invited to the next node M and B, to the register system, the user a confirm the information published, B and M may also be released at the same time information, and invite C F registration confirmation, any other user can customize a voluntary registration system and to publish information, Further, the system may be related to debts counterparts and sends the registration information pursuant to a valid debts and related party information;

[0050] 交易支付系统对用户的债权债务信息进行串联匹配,形成网式闭合债权债务链,并最终完成平账支付。 [0050] transaction payment system for credit and debt information matching the user's series to form a closed net debts chain, balancing the books and finalize payment.

[0051] 参照附图4和图5中,每个节点代表拥有债权和债务的注册用户,箭头的指向方表示为债权拥有者,箭头发出方表示为债务拥有者,如B3 — B2 — BI所示,B2拥有对B3的30万债权,B2对BI有30万债务。 [0051] Referring to Figures 4 and 5, each node represents a user has registered claims and debts, as represented by the arrow pointing creditor party owner, as represented by arrow originator debt owner, such as B3 - B2 - BI is shows, B2 with 300,000 of debt to B3, B2 for BI 300,000 debt.

[0052]由于债权债务的金额大小不同,一个网式闭合债权债务链不一定能完全交易支付各节点的所有债权债务。 [0052] Due to the different size of the amount of credit and debt, a net debts chain closed transaction not be able to fully pay all debts of each node. 因此,同一节点,即可同时处于不同的债权债务闭合链中,如用户B3和用户C3处于两个闭合债权债务链。 Thus, the same node, at the same time to different debts closed chain, such as user subscriber B3 and C3 are in a closed two strand debts. 图5中,B3和C3是关联方。 5, B3 and C3 are related party.

[0053] 债权债务信息匹配成功,形成一个或多个完整的网式闭合债权债务链,如图4中的闭合债权债务链Cl — C2 — C3 = B3 — B2 — BI — Cl和闭合债权债务链A3 — A4 — B4 — C4 — D4 — D3 — C3 = B3 — A3。 [0053] debts information are successfully matched, one or more complete form of closed mesh debts chain, closed chain Cl debts in FIG. 4 - C2 - C3 = B3 - B2 - BI - Cl and closed chain debts A3 - A4 - B4 - C4 - D4 - D3 - C3 = B3 - A3.

[0054] 以网式闭合债权债务链节点中的债权或债务最小金额作为支付金额,交易支付系统计算保证金,各个节点当事人交纳保证金。 [0054] debt to net debt closed chain nodes in the minimum amount as a debt or liability payment amount, payment transaction system calculates the margin, each node parties pay a deposit. 图5中,闭合网格Cl — C2 — C3 =B3 — B2 — BI — Cl以30为支付平帐金额,闭合网格A3 — A4 — B4 — C4 — D4 — D3 — C3=B3 — A3以50为支付平帐金额。 5, closed meshes Cl - C2 - C3 = B3 - B2 - BI - Cl 30 for the payment of a flat amount posted, closed meshes A3 - A4 - B4 - C4 - D4 - D3 - C3 = B3 - A3 50 account for the payment of a flat amount.

[0055] 所有节点当事人交费后,保证金锁住,交易支付系统公布债权债务网格的相关信息。 [0055] After all nodes party payment, deposit locks, transaction payment system published information about credit and debt grid. 债权债务网格中各个节点当事人对债权债务信息签字确认,平帐支付,进行清帐。 Each node in the grid debts party for the debts of credit information to confirm the signing, flat payment account, clear the account. 开具证明,出具手续,债权债务网格中各节点当事人债权债务平帐支付成功。 Attestation and issue procedures, debts grid nodes party credit and debt level successful payment account. 保证金转为服务费。 Deposit to service charge.

[0056] 本发明还提供了一种网式债权债务处理系统,包括用于用户注册的数据注册模块,用于数据录入、校验、传递的数据录入模块,数据存储模块,用于全程监测用户的所有操作行为、并分析用户的操作数据、保证数据合法性和有效性的数据分析模块,用于发送债权债务和关联方信息的数据发送模块,用于查看债权债务和关联方信息是否被用户确认的数据确认模块,以及用于对确认后的债权债务和关联方信息进行分析和处理的数据处理模块,其中,所述数据录入模块校验用户输入信息的合法性,并将核实无误的信息传送给所述数据存储模块,将待确认的债权债务信息和关联方信息传送给所述数据发送模块;所述数据发送模块将信息传送给用户,由其确认或拒绝;所述数据确认模块将用户确认过的信息传送给所述数据处理模块;所述数据处理模块对 [0056] The present invention further provides a net debts processing system comprising a user registration data registration module for data entry, verification, pass data entry module, a data storage module for global monitor user All operational behavior, and analyze operational data users, to ensure the legitimacy and effectiveness data of the data analysis module, data transmission module sends debts and related parties for information, or check whether debts and related party information is user confirmation data confirming module, and a data processing module configured to debts and related party confirmation information analysis and processing, wherein said data entry module verify the legitimacy of the user input information, and to verify the correct information transmitting to said data storage module, the information to be confirmed debts and related party information to the data transmitting module; said data transmitting module transmits information to the user to confirm or reject therefrom; acknowledgment of the data module confirmed the user information to the data processing module; said data processing module 所收到的经用户确认的信息进行分析,对符合相应规则的进行运算处理,对不符合规则的回滚给用户,提示其重新操作;所述数据分析模块将处理后的信息对应传送给所述数据存储模块、数据录入模块、数据发送模块、数据确认模块、数据处理模块。 Information received via the user confirmation is analyzed, performs arithmetic processing comply with the appropriate rules, the rules do not meet a user to rollback, suggesting that re-operation; transmitting the information corresponding to the data analysis module to process the said data storage module, data entry module, the data transmission module, data validation module, a data processing module.

[0057] 进一步地,一种网式债权债务处理系统,还包括用于向用户展示数据处理结果的数据展示模块,通过接收所述数据处理模块发送的数据进行展示。 [0057] Further, a mesh debts processing system further comprises a data processing result display means for data presented to the user, for display by a data processing module receiving the data transmitted.

[0058] 作为一个优选实施例,如图6所不,包括以下模块: [0058] As a preferred embodiment of embodiment, not shown in FIG 6, comprising the following modules:

[0059] 数据注册模块,用户可以通过邮箱或手机注册成为系统用户,在注册的过程中系统会自动检测用户输入的邮箱或手机号码是否被使用,如未使用则可继续注册,反之终止操作; [0059] The data registration module, the user may register through the mail or mobile phone into a system user, the system automatically detects whether the user registration process entered mailbox or phone number to be used, use can continue if not registered, whereas the operation is terminated;

[0060] 数据录入模块,新用户首先要完善其基本信息(四种身份信息选其一:个人、公司、金融机构、社团组织),系统会自动检测用户输入的身份编码是否合法,用户也可以通过实名认证方式保存其基本资料,用户完善其基本信息后可以录入债权、债务和关联方信息,在录入信息中系统会校验、分析信息录入的是否合理有效(债权人、债务人、关联方身份信息合法性和债权、债务金额有效性等); [0060] Data Entry module, a new user must first improve its basic information (four kinds of identity information choose one: individuals, companies, financial institutions, community organizations), the system will automatically detect the user input identification code is legitimate, the user can after saving the basic information through real-name authentication, the user can input information to improve their basic credit, debt and related party information in the entry system will verify the information, analyze the information entered is reasonable effective (creditors, debtors, related party identity information the legitimacy of claims and debts amount valid, etc.);

[0061] 数据发送模块,用户成功发布的债权、债务、关联方信息后,系统会发送给相应的债权人、债务人、关联方确认信息,以此保证每条信息有效性、和双发自愿原则; [0061] data transmission module, the user has successfully issued debt, debt, after the party information associated with the system will be sent to the appropriate creditors, debtors, related party confirmation, in order to ensure the effectiveness of each piece of information, and twin voluntary principle;

[0062] 信息确认模块,用户会收到与其有关的债权、债务、关联方信息,系统主动提示其查看确认,只有经过确认后的信息系统才能对其进行处理运算; [0062] information confirmation module, the user receives relating to debt, debt, related party information, the system automatically prompted to confirm its view that only through the information system in order to confirm its processing operations;

[0063] 数据分析模块,系统会全程监测用户的所有操作行为,分析用户的操作数据,保证数据合法性、有效性; [0063] The data analysis module, all the operating behavior of the whole system will monitor the user, the user's data analysis operations, ensure data legality, validity;

[0064] 数据处理模块,数据经过系统分析后,对符合相应规则的进行运算处理,反之对不符合规则的回滚给用户,提示其重新操作,将任意节点用户的债权、债务信息作为网式链条的起始端,待其相关联的上一节点和下一节点用户对其信息进行确认后,对该债权或债务进行串联匹配,上一节点和下一节点用户信息按此办法,以此类推……,如果形成网式闭合债权债务链,如下……Z — ABCZ……,遍历结束后仍未形成,则终止; [0064] The data processing module, after the data analysis system, performs arithmetic processing comply with the appropriate rules, the rules do not meet the contrary rollback to the user prompt re-operation, the user claims to any node, the network information as a type of debt the starting end of the chain, let it associated with the previous node and the next node user to confirm their information, the creditor or debt series matching, the previous node and the next node user information to this procedure, and so on ......, if the mesh forming a closed chain debts below ...... Z - ABCZ ......, after the traversal has not yet formed, the procedure terminates;

[0065] 数据展示模块,系统对数据处理的结果展示到系统上,以便用户作和浏览,数据展示模块包括债权、债务、关联方、闭合链信息等。 [0065] The data display module, the data processing system to display the results to the system, and for the user to browse the data display module comprises a debt, debt, affiliates, closed chain information.

[0066] 如图7所示,是系统的具体实施例的网络示意图。 [0066] As shown in FIG. 7 is a schematic diagram of the network system of the particular embodiment. 用户在系统注册并录入数据且得到债权债务的相对方和关联方的确认后,登录系统并发布债权债务信息后,系统利用主服务器和备份服务器对数据进行发送、分析、加密、存储和更新处理。 After the user registration and entering data and confirmed by the opposite party and related party debts in the system, log system and issue credit and debt information, the system uses primary and backup servers for data transmission, analysis, encryption, storage and update processing . 同时,会员还可邀请其他个人、公司或组织在该系统进行注册。 At the same time, members can also invite other individuals, companies or organizations to register in the system. 系统的服务器会对传递来的数据进行分析,如数据格式是否符合规范等,同时会对数据做加密处理,以防信息泄露。 Server system will transmit the data to be analyzed, such as the data format for compliance, etc., and the data will be encrypted to prevent information leakage. 存储于系统数据库中的数据也会随信息的增减和更改进行更新。 Data stored in the system database and will change with changes in the information to be updated.

[0067] 如图8所示,若用户C已注册成为系统会员,则可发展下线,即邀请其他个人、公司或组织来该系统注册。 [0067] shown in Figure 8, if the user C has been registered as a member, you can develop off the assembly line, to invite other individual, company or organization registered to the system. 若邀请成功,则邀请者可获得一定的邀请资金。 If the invitation is successful, then the inviter get a certain invitation funds. 被邀请者在系统注册成为会员后也可邀请有债权债务的个人、公司或组织。 After invitees registered as a member in the system may also be invited to have debts of an individual, company or organization.

[0068] 本发明还可以将银行,银联,信托公司和政府的征信系统的黑名单变为网络原始数据基础,进行大面积串联匹配,可以解决目前社会上因资金短缺而无法支付的问题,企业的应收、应付款项的沉淀、周转不灵等问题。 [0068] The present invention can also blacklist banks, CUP, trust companies and credit system of government into a network of raw data basis for a large-scale series matching problem can be solved today's society because of lack of funds to pay, corporate accounts receivable, payable precipitation payments, cash flow problems and other issues. 另外,还可以将经用户确认的债权债务进一步进行标准化处理,作为可以交易的金融产品在金融市场上进行转让或交易。 In addition, users can also be confirmed by further standardizing processing credit and debt, as a financial product transactions can be transferred or traded on financial markets.

[0069] 综上所述,不同于点对点结构模式和依赖货币与国家信用的银行付款方式,本发明所提供的技术方案通过不导入资金的方法来实现债权债务的信用支付,采用疏的支付方式理念,是一种全新的支付方式,是银行货币支付的积极有效补充,通过网式闭合债权债务链的应用,打通资金流通的命脉,加速资金流转,提高效益,可以有效解决债权债务支付问题。 [0069] In summary, the structure is different from point to point mode and the reliance on monetary and credit of the National Bank of payment, the present invention provides a technical solution to achieve debts by the method of funding the credit does not import payments using payment sparse concept is a new way to pay, the bank is actively and effectively complement the payment of money, credit and debt chain through the application of net closed, open up the lifeblood of capital flows, accelerate cash flow, improve efficiency, can effectively solve the problem of debts to pay. 采用本发明所提供的技术方案,可以实现债权和债务的公平、快速、安全、网络化、信用化支付。 The technical proposal provided by the invention, it is possible to achieve fair credit and debt, fast, secure, network-based, payment of credit.

[0070] 以上结合实施例对本发明做了具体的描述,但不作为本发明的限定,一切在本发明权利要求范围内的所有修改和变化,都落在受到本发明的保护范围之内。 [0070] in conjunction with the above embodiments of the present invention has been specifically described, but not limitative of the present invention, all modifications and variations all within the scope of the claimed invention, fall within the scope of the subject invention.

Claims (9)

1.一种网式债权债务处理方法,其特征在于,包括如下步骤: 用户注册; 用户发布信息,其中所述信息至少包括债权债务信息,还可以包括关联方信息; 向已经注册过的对应的债权债务相对方和关联方发送债权债务以及关联方信息,由其判断债权债务关系、关联关系分别是否成立; 相应用户判断关联方关系、债权债务关系是否成立; 根据确认了的债权债务以及关联方信息,对多个债权债务关系进行匹配,形成闭合债权债务链; 完成闭合债权债务链的平账支付。 A net debts processing method characterized by comprising the steps of: user registration; users to publish information, wherein the information comprises at least information debts may further include information related party; already registered to the corresponding debts and sends the relative related parties debts and related party information is determined by obligatory relationships are relationships are satisfied; Analyzing the user associated party, debt payment is satisfied; according to the confirmation of the parties and associated debts information, a plurality of matching claims and liabilities, to form a closed chain debts; complete closure debts chain flat payment account.
2.根据权利要求1所述的方法,其特征在于,还包括步骤,对平账成功的闭合债权债务链,出具平账证明单。 2. The method according to claim 1, characterized by further comprising a step of balancing the books successful closed chain debts, issued proof flat single bill.
3.根据权利要求1或2所述的方法,其特征在于,还包括如下步骤,在形成闭合债权债务链后,计算保证金,由所述闭合债权债务链涉及的当事人缴纳保证金,所述保证金在平账完成或出具平账证明单之前,处于锁定状态,在平账完成或出具平账证明单之后,收取所述保证金。 3. The method of claim 1 or claim 2, characterized in that, further comprising the step of, after forming a closed chain debts, the margin calculated by the closed chain debts parties involved in a cash deposit in the deposit issued before the flat or flat bill posting completion single proof, in a locked state, after the completion of flat or posting accounts issued flat single proof, the deposit fee.
4.根据权利要求1或2所述的方法,其特征在于,还包括如下步骤,用户完成注册后,向其发布的债权债务的相对方和/或关联方发送用户注册邀请信息;根据所发布的债权债务和关联方信息,向没有注册的债权债务相对方和关联方发送用户注册邀请信息。 4. The method of claim 1 or claim 2, characterized in that, further comprising the step of, after completion of the user registration, published its counterpart debts and / or associated user sends invitation information registration; according to the published the debts and related party information, and the opposite party sends the user to the related party is not registered debts registered invitation information.
5.根据权利要求1或2所述的方法,其特征在于,在步骤形成闭合债权债务链中,若所形成的一个网式闭合债权债务链未能完全交易支付各节点的所有债权债务,则根据债权债务信息的匹配,形成两个或多个完整的闭合债权债务链。 5. The method of claim 1 or claim 2, characterized in that, to form a closed chain in step debts, a net closing all debts debts chain has not been fully paid transactions if the nodes are formed, then the debts matching information, full form two or more closed chains debts.
6.根据权利要求5所述的方法,其特征在于,在步骤完成闭合债权债务链的平账支付中,以闭合债权债务链节点中的债权或债务最小金额作为支付金额。 6. The method as claimed in claim 5, wherein the closing step is completed in a flat chain debts account payments, to close the chain of nodes debts debt or liability payment amount as a minimum amount.
7.根据权利要求3所述的方法,其特征在于,其特征在于,在步骤完成闭合债权债务链的平账支付中,以闭合债权债务链节点中的债权或债务最小金额作为支付金额,并以所述最小金额计算所述保证金,所述保证金以第三方的形式进行收取和支付。 7. The method according to claim 3, characterized in that, wherein the closing step is completed in a flat chain debts account payments, to close the chain of nodes debts debt or liability payment amount as a minimum amount, and to calculate the minimum amount of the deposit, the deposit be received and paid in the form of a third party.
8.—种网式债权债务处理系统,其特征在于,包括用于用户注册的数据注册模块,用于数据录入、校验、传递的数据录入模块,数据存储模块,用于全程监测用户的所有操作行为、并分析用户的操作数据、保证数据合法性和有效性的数据分析模块,用于发送债权债务和关联方信息的数据发送模块,用于查看债权债务和关联方信息是否被用户确认的数据确认模块,以及用于对确认后的债权债务和关联方信息进行分析和处理的数据处理模块,其中,所述数据录入模块校验用户输入信息的合法性,并将核实无误的信息传送给所述数据存储模块,将待确认的债权债务信息和关联方信息传送给所述数据发送模块;所述数据发送模块将信息传送给用户,由其确认或拒绝;所述数据确认模块将用户确认过的信息传送给所述数据处理模块;所述数据处理模块对所收 8.- species mesh debts processing system comprising a user registration data registration module for data entry, verification, pass data entry module, a data storage module for all users monitored throughout operation behavior, and analyze operational data users, to ensure the legitimacy and effectiveness data of the data analysis module, data transmission module sends debts and related parties for information, or check whether debts and related party information is identified user data validation module, and a data processing module configured to debts and related party confirmation information analysis and processing, wherein said data entry module verify the legitimacy of the user input information, and to verify the correct information transfer the data storage module, and information related debts party information to be transmitted to the data transmission confirmation module; said data transmitting module transmits information to the user to confirm or reject therefrom; said user confirmation data confirming module information is transmitted through to the data processing module; said data processing module for the closing 的经用户确认的信息进行分析,对符合相应规则的进行运算处理,对不符合规则的回滚给用户,提示其重新操作;所述数据分析模块将处理后的信息对应传送给所述数据存储模块、数据录入模块、数据发送模块、数据确认模块、数据处理模块。 Information confirmed by the user is analyzed, performs arithmetic processing comply with the appropriate rules, the rules do not meet the roll back to the user, suggesting that re-operation; the data analysis module to process the information corresponding to the data transfer to the memory module, data entry module, the data transmission module, data validation module, a data processing module.
9.根据权利要求8所述的系统,其特征在于,还包括用于向用户展示数据处理结果的数据展示模块,通过接收所述数据处理模块发送的数据进行展示。 9. The system according to claim 8, characterized in that, further comprising a data processing result display means for data presented to the user, display performed by the data processing module receives the data transmitted.
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