CN105761145A - Credit and debt account check confirmation method based on credit and debt account check confirmation system - Google Patents
Credit and debt account check confirmation method based on credit and debt account check confirmation system Download PDFInfo
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- CN105761145A CN105761145A CN201610125277.6A CN201610125277A CN105761145A CN 105761145 A CN105761145 A CN 105761145A CN 201610125277 A CN201610125277 A CN 201610125277A CN 105761145 A CN105761145 A CN 105761145A
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Abstract
The invention discloses credit and debt account check confirmation method based on a credit and debt account check confirmation system, and the method sequentially comprises the following steps that a creditor and a debtor inputs data and carry out registration through remote equipment; a service processing terminal receives the data and generates three arrays for storage; the creditor and the debtor input creditor's right information through the remote equipment; bill images are taken at the same time through a camera device; the bill images are segmented according to the account check bills and the sizes of all bills corresponding to the creditor's right after the data query and matching, and a plurality of subimages are obtained; the recognition of the subimages is carried out, and the matching and comparison are carried out; a new four-dimensional group is formed through correlation, and the creditor or the debtor is invited for confirmation after transmission confirmation; the final payment is paid after the check is passed. The system structure is simple, and the confirmation mode is intelligent, quick and simple.
Description
Technical field
The present invention relates to communication electronic applications, be specifically related to a kind of flat account confirmation method of credit and debt confirming system based on the flat account of credit and debt.
Background technology
Reality occurs mutual debt, fund crash thing too many.The danger of debt is in that it is all linked with one another, constitutes fast knot, and impact is extensively, it is difficult to process.Huge debt forms " barrier lake ", becomes the sharp sword uphanging in economic development.
In the face of such a huge credit and debt market, the conventional currency means of payment causes too many problem.And the credit and debt chain based on " the Internet+credit and debt " pays the payment mode that will change people, payment idea, business model innovation, financial competition general layout can be brought impact, produce the brand-new market of a great allure, redefine following payment mode.The confirmation of credit and debt information relies on relevant proofs, formality, data under traditional approach, such as invoice, contract, receipt, loan formality, court decision, bank's formality etc., contains much information, inconvenient alternately.Credit and debt pays under mould mould, after calculating ring, chain (and deformation) via big data operation, how on-line off-line just can be supplied to alternately user security, can convince, the flat account payment mode of proof of following current policies become knotty problem, but current line upper type generally realizes with the form of pure software, if credit and debt relies on conventional thought in online payment, will be unable to or be difficult to carry out computing and payment, be not currently also specifically designed for credit and debt information independently, the high apparatus system of integrated level and method thereof.
Summary of the invention
It is an object of the invention to overcome the deficiencies in the prior art, it is provided that the flat account confirmation method of credit and debt confirming system based on the flat account of credit and debt that a kind of system structure is simple, validation testing is intelligent, quick, easy.
The invention provides a kind of flat account confirmation method of credit and debt confirming system based on the flat account of credit and debt, wherein the flat account of credit and debt confirms that system includes multiple remote equipment and server terminal, each of which remote equipment all includes input equipment, camera head, display device and remote equipment transmitting element, and server terminal includes the transmitting element, reception unit and the memory element that are connected with processor；
In turn include the following steps:
(1) creditor and debtor register information respectively through the input equipment typing user profile in remote equipment and user, and by the camera head typing billing information in remote equipment, and the user profile after typing, user are registered information and billing information and sent to service processing terminal by the transmitting element in remote equipment, its remote device is multiple；
null(2) user profile after the reception unit reception typing in service processing terminal、After user registers information and billing information，Carry out process by the processor in service processing terminal and realize qualification examination，The user passed through for qualification examination result generates unique ID，And by the transmitting element in service processing terminal, result and ID transmission are confirmed to remote equipment，And by by the user profile of qualification examination、User registers information and billing information be grouped after be associated with ID，Generate three array [UserID,LoginID,BillID] and the memory element that stores to service processing terminal in，Wherein UserID represents user profile，LoginID represents that user registers information，BillID represents billing information；
(3) service processing terminal calculate can the order information of flat account, and sequence information is sent to creditor and debtor in the remote equipment located, pays correlative charges, complete on line just flat account；
(4) creditor and debtor are by the input equipment typing credits information in remote equipment, it is respectively completed signing and sealing of the flat bill of credit and debt, and all bills corresponding with this credit and debt for the flat bill evidence after affixing one's seal are positioned on same plane, shot by camera head in flat bill evidence and all bills extremely same shooting image simultaneously, the ID of the credits information after typing, creditor or debtor and shooting image are sent to service processing terminal by the transmitting element in remote entry unit；
(5) in service processing terminal receive ID and the shooting image that unit receives the credits information after typing, creditor or debtor after, the UserID being stored in storage unit that inquiry is mated with the ID of creditor or debtor, if the match is successful, enter step (6), if failure, repeat step (1)-(4)；
(6) by the processor in service processing terminal, shooting image is processed, shooting image is carried out image segmentation according to the size of flat bill evidence corresponding to these credits and all bills, obtain many height shooting image of corresponding flat bill evidence and each bill respectively, carry out sub-shooting image recognition, obtain flat account document information corresponding to each height shooting image and billing information, son is shot the three-dimensional array [UserID corresponding for UserID that billing information corresponding to image mates with the ID of creditor or debtor, LoginID, BillID] in BillID compare, if the same step (7) is entered, if it is different, then repeat (1)-(5)；
(7) many height shooting image and carry out corresponding association with BillID, and constitute four-dimensional group new [UserID, LoginID, BillID, IMAGEs], wherein IMAGEs represents many height shooting image；
(8) by the transmitting element in service processing terminal by four-dimension array [UserID, LoginID, BillID, IMAGEs] send the remote equipment place to creditor and debtor, displayed by the display device in remote equipment, creditor and debtor confirm, and the information that will confirm that sends to service processing terminal, service processing terminal receives confirmation, if it is confirmed that information is "No", then repeat step (1)-(7), if it is confirmed that information is "Yes", then enter step (9)；
(9) by the transmitting element in service processing terminal by four-dimension group [UserID, LoginID, BillID, IMAGEs] and invite confirmation to send the remote equipment place to debtor and creditor, and displayed by the display device in the remote equipment place of debtor and creditor, debtor and creditor confirm, and the information that will confirm that is simultaneously sent to service processing terminal, complete final flat account and confirm；
(10) processor in service processing terminal is audited, and audits and pays tail payment by backstage.
Further, step (3) also includes:
Operational stage: the confirmed credit and debt information submitted to according to user, calculating can the order of flat account；
The paying phase: the phase user that pays pays correlative charges within the stipulated time；
Public notification period: order user completes charge, automatically public notification period is proceeded to, order user can check all the other nodal informations on order application of raising an objection within the stipulated time, as terminated to enter the flat account confirmation phase without untreated objection application then public notification period after the termination of public notification period time.
Further, described remote equipment is mobile phone, notebook computer, panel computer and/or desktop computer.
Further, input equipment is keyboard and/or touch screen.
Further, camera head is high-definition camera.
Further, UserID is numeral numbering, Quick Response Code and/or bar code.
Further, billing information is Quick Response Code, the combination of one or more in bill odd numbers, term of bill.
Further, bill is the combination of one or more in invoice, contract, receipt, loan formality, court decision, bank's formality.
The flat account confirmation method of credit and debt confirming system based on the flat account of credit and debt of the present invention, it is possible to achieve:
1) independently relate to the system that credit and debt information flat account on line confirms that is specifically designed for, the validation testing of cooperation original creation, will confirm that mode and system equipment combine, intelligent, quick, easy.
2) validation of information of credit and debt is independent of traditional mode, and data one are confirmed, enters data base and carries out computing, and the speed of service is fast.
3) long-range operator scheme makes can complete quickly when the invention process, eliminates the multiple surcharges such as manpower expense, postage, has saved cost.
4) by the credit and debt information of main market players, confirmed by under line, be changed on line and confirm, it is determined that the standard that credit and debt information flat account on line confirms, for big data analysis chain debts, debt crisis, go leverage to provide the foundation condition.
Accompanying drawing explanation
The flat account of Fig. 1 credit and debt confirms system schematic
The flat account main process schematic diagram of Fig. 2 credit and debt
Detailed description of the invention
The following detailed description of specific embodiment of the invention; be necessary it is pointed out here that be; hereinafter implement to be only intended to further illustrating of the present invention; it is not intended that limiting the scope of the invention; some nonessential improvement and adjustment that the present invention is made by this art skilled person according to the invention described above content, still fall within protection scope of the present invention.
The invention provides a kind of flat account confirmation method of credit and debt confirming system based on the flat account of credit and debt, as shown in Figure 1, the flat account of credit and debt confirms that system includes multiple remote equipment and server terminal, each of which remote equipment all includes input equipment, camera head, display device and remote equipment transmitting element (not shown), and server terminal includes the transmitting element, reception unit and the memory element that are connected with processor；
In turn include the following steps:
(1) creditor and debtor register information respectively through the input equipment typing user profile in remote equipment and user, and by the camera head typing billing information in remote equipment, and the user profile after typing, user are registered information and billing information and sent to service processing terminal by the transmitting element in remote equipment, its remote device is multiple；
null(2) user profile after the reception unit reception typing in service processing terminal、After user registers information and billing information，Carry out process by the processor in service processing terminal and realize qualification examination，The user passed through for qualification examination result generates unique ID，And by the transmitting element in service processing terminal, result and ID transmission are confirmed to remote equipment，And by by the user profile of qualification examination、User registers information and billing information be grouped after be associated with ID，Generate three array [UserID,LoginID,BillID] and the memory element that stores to service processing terminal in，Wherein UserID represents user profile，LoginID represents that user registers information，BillID represents billing information；
(3) service processing terminal calculate can the order information of flat account, and sequence information is sent to creditor and debtor in the remote equipment located, pays correlative charges, complete on line just flat account；
(4) creditor and debtor are by the input equipment typing credits information in remote equipment, it is respectively completed signing and sealing of the flat bill of credit and debt, and all bills corresponding with this credit and debt for the flat bill evidence after affixing one's seal are positioned on same plane, shot by camera head in flat bill evidence and all bills extremely same shooting image simultaneously, the ID of the credits information after typing, creditor or debtor and shooting image are sent to service processing terminal by the transmitting element in remote entry unit；
(5) in service processing terminal receive ID and the shooting image that unit receives the credits information after typing, creditor or debtor after, the UserID being stored in storage unit that inquiry is mated with the ID of creditor or debtor, if the match is successful, enter step (6), if failure, repeat step (1)-(4)；
(6) by the processor in service processing terminal, shooting image is processed, shooting image is carried out image segmentation according to the size of flat bill evidence corresponding to these credits and all bills, obtain many height shooting image of corresponding flat bill evidence and each bill respectively, carry out sub-shooting image recognition, obtain flat account document information corresponding to each height shooting image and billing information, son is shot the three-dimensional array [UserID corresponding for UserID that billing information corresponding to image mates with the ID of creditor or debtor, LoginID, BillID] in BillID compare, if the same step (7) is entered, if it is different, then repeat (1)-(5)；
(7) many height shooting image and carry out corresponding association with BillID, and constitute four-dimensional group new [UserID, LoginID, BillID, IMAGEs], wherein IMAGEs represents many height shooting image；
(8) by the transmitting element in service processing terminal by four-dimension array [UserID, LoginID, BillID, IMAGEs] send the remote equipment place to creditor and debtor, displayed by the display device in remote equipment, creditor and debtor confirm, and the information that will confirm that sends to service processing terminal, service processing terminal receives confirmation, if it is confirmed that information is "No", then repeat step (1)-(7), if it is confirmed that information is "Yes", then enter step (9)；
(9) by the transmitting element in service processing terminal by four-dimension group [UserID, LoginID, BillID, IMAGEs] and invite confirmation to send the remote equipment place to debtor and creditor, and displayed by the display device in the remote equipment place of debtor and creditor, debtor and creditor confirm, and the information that will confirm that is simultaneously sent to service processing terminal, complete final flat account and confirm；
(10) processor in service processing terminal is audited, and audits and pays tail payment by backstage.
Wherein user is divided into two kinds of roles, and one is sender, and another is recipient.Only a side sends can become after an other side receives confirmation and has confirmed that credit and debt, and confirmed credit and debt can any one party be deleted.
In the whole flat account confirmation process of credit and debt, mainly include:
Operational stage: the confirmed credit and debt information submitted to according to user, calculating can the order (ring or chain and deformation) thereof of flat account.
The paying phase: the phase user that pays pays corresponding expense within the stipulated time.
Public notification period: order user completes charge, proceeds to public notification period automatically.Order user can check all the other nodal informations on order application of raising an objection within the stipulated time.As terminated to enter the flat account confirmation phase without untreated objection application then public notification period after the termination of public notification period time.
Flat account confirms the phase: the flat account that debt side's print platform provides proves that single (receipt) or user provide receipt voluntarily, credit and debt side audits after uploading after signing and sealing, the all flat account of order prove single examination & verification by and after flat account confirms that time phase terminates, to last-of-chain user-pay (ring type is without payment), the flat account phase terminates.
Flat account completes: on loop chain, node users downloads loop chain and flat bill (receipt), completes the payment of flat account and pays.
Although for illustrative purposes; have been described for the illustrative embodiments of the present invention; but it should be appreciated by those skilled in the art that; when without departing from the scope of invention disclosed in claims and spirit; the change of various amendment, interpolation and replacement etc. can be carried out in form and details; and all these change the protection domain that all should belong to claims of the present invention; and each step in each department of claimed product and method, it is possible to form in any combination is combined.Therefore, the description of the embodiment that disclosed in this invention is not intended to restriction the scope of the present invention, but is used for describing the present invention.Correspondingly, the scope of the present invention is not by the restriction of embodiment of above, but is defined by claim or its equivalent.
Claims (7)
1. the flat account confirmation method of credit and debt confirming system based on the flat account of credit and debt, wherein the flat account of credit and debt confirms that system includes multiple remote equipment and server terminal, each of which remote equipment all includes input equipment, camera head, display device and remote equipment transmitting element, and server terminal includes the transmitting element, reception unit and the memory element that are connected with processor；
In turn include the following steps:
(1) creditor and debtor register information respectively through the input equipment typing user profile in remote equipment and user, and by the camera head typing billing information in remote equipment, and the user profile after typing, user are registered information and billing information and sent to service processing terminal by the transmitting element in remote equipment, its remote device is multiple；
null(2) user profile after the reception unit reception typing in service processing terminal、After user registers information and billing information，Carry out process by the processor in service processing terminal and realize qualification examination，The user passed through for qualification examination result generates unique ID，And by the transmitting element in service processing terminal, result and ID transmission are confirmed to remote equipment，And by by the user profile of qualification examination、User registers information and billing information be grouped after be associated with ID，Generate three array [UserID,LoginID,BillID] and the memory element that stores to service processing terminal in，Wherein UserID represents user profile，LoginID represents that user registers information，BillID represents billing information；
(3) service processing terminal calculate can the order information of flat account, and sequence information is sent to creditor and debtor in the remote equipment located, pays correlative charges, complete on line just flat account；
(4) creditor and debtor are by the input equipment typing credits information in remote equipment, it is respectively completed signing and sealing of the flat bill of credit and debt, and all bills corresponding with this credit and debt for the flat bill evidence after affixing one's seal are positioned on same plane, shot by camera head in flat bill evidence and all bills extremely same shooting image simultaneously, the ID of the credits information after typing, creditor or debtor and shooting image are sent to service processing terminal by the transmitting element in remote entry unit；
(5) in service processing terminal receive ID and the shooting image that unit receives the credits information after typing, creditor or debtor after, the UserID being stored in storage unit that inquiry is mated with the ID of creditor or debtor, if the match is successful, enter step (6), if failure, repeat step (1)-(4)；
(6) by the processor in service processing terminal, shooting image is processed, shooting image is carried out image segmentation according to the size of flat bill evidence corresponding to these credits and all bills, obtain many height shooting image of corresponding flat bill evidence and each bill respectively, carry out sub-shooting image recognition, obtain flat account document information corresponding to each height shooting image and billing information, son is shot the three-dimensional array [UserID corresponding for UserID that billing information corresponding to image mates with the ID of creditor or debtor, LoginID, BillID] in BillID compare, if the same step (7) is entered, if it is different, then repeat (1)-(5)；
(7) many height shooting image and carry out corresponding association with BillID, and constitute four-dimensional group new [UserID, LoginID, BillID, IMAGEs], wherein IMAGEs represents many height shooting image；
(8) by the transmitting element in service processing terminal by four-dimension array [UserID, LoginID, BillID, IMAGEs] send the remote equipment place to creditor and debtor, displayed by the display device in remote equipment, creditor and debtor confirm, and the information that will confirm that sends to service processing terminal, service processing terminal receives confirmation, if it is confirmed that information is "No", then repeat step (1)-(7), if it is confirmed that information is "Yes", then enter step (9)；
(9) by the transmitting element in service processing terminal by four-dimension group [UserID, LoginID, BillID, IMAGEs] and invite confirmation to send the remote equipment place to debtor and creditor, and displayed by the display device in the remote equipment place of debtor and creditor, debtor and creditor confirm, and the information that will confirm that is simultaneously sent to service processing terminal, complete final flat account and confirm；
(10) processor in service processing terminal is audited, and audits and pays tail payment by backstage.
2. the method for claim 1, it is characterised in that: step (3) also includes:
Operational stage: the confirmed credit and debt information submitted to according to user, calculating can the order of flat account；
The paying phase: the phase user that pays pays correlative charges within the stipulated time；
Public notification period: order user completes charge, automatically public notification period is proceeded to, order user can check all the other nodal informations on order application of raising an objection within the stipulated time, as terminated to enter the flat account confirmation phase without untreated objection application then public notification period after the termination of public notification period time.
3. method as claimed in claim 2, it is characterised in that: described remote equipment is mobile phone, notebook computer, panel computer and/or desktop computer.
4. method as claimed in claim 3, it is characterised in that: input equipment is keyboard and/or touch screen.
5. method as claimed in claim 4, it is characterised in that: camera head is high-definition camera.
6. the method as described in claim 4 or 5, it is characterised in that: UserID is numeral numbering, Quick Response Code and/or bar code.
7. the method as described in any one of claim 4-6, it is characterised in that: billing information is Quick Response Code, the combination of one or more in bill odd numbers, term of bill.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610125277.6A CN105761145A (en) | 2016-03-04 | 2016-03-04 | Credit and debt account check confirmation method based on credit and debt account check confirmation system |
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| CN201610125277.6A CN105761145A (en) | 2016-03-04 | 2016-03-04 | Credit and debt account check confirmation method based on credit and debt account check confirmation system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113554009A (en) * | 2021-09-22 | 2021-10-26 | 北京奇虎科技有限公司 | Bill verification method, device, equipment and storage medium |
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- 2016-03-04 CN CN201610125277.6A patent/CN105761145A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113554009A (en) * | 2021-09-22 | 2021-10-26 | 北京奇虎科技有限公司 | Bill verification method, device, equipment and storage medium |
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Application publication date: 20160713 |
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