CN105809449A - Method for realizing correlated confirmation of different main bodies in internet payment - Google Patents
Method for realizing correlated confirmation of different main bodies in internet payment Download PDFInfo
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- CN105809449A CN105809449A CN201610125306.9A CN201610125306A CN105809449A CN 105809449 A CN105809449 A CN 105809449A CN 201610125306 A CN201610125306 A CN 201610125306A CN 105809449 A CN105809449 A CN 105809449A
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- creditor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
A method for realizing correlated confirmation of different main bodies in internet payment includes the follow steps in sequence: a creditor and a debtor input data through a remote device and complete registration; a service processing terminal receives the terminal and generates a three-dimensional array for storage; the creditor or the debtor input creditor rights information through the remote device and a bill picture are taken through a camera device at the same time; image division is performed on the picture according to the sizes of all the bills corresponding to the creditor rights after matching data inquiry and a plurality of sub pictures; sub picture recognition is performed and matching and comparison are performed; a new four-dimensional array is formed through correlation and a confirmation is sent; then the creditor or the debtor is invited for confirmation; the creditor or the debtor implementing the confirmation is confirmed in a loop type or a chain type correlation. The system is simple in structure and the correlation confirmation method is smart, quick, simple and convenient.
Description
Technical field
The present invention relates to communication electronic applications, be specifically related to a kind of method that different main market players associates confirmation in internet payment.
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.There is down comparatively close relationship online in each main market players, such as group, equity participation, family, tight, other relation of business etc., but its each credit and debt be not in contact with, if confirming as relation of the relevant parts on line, then by credit and debt external for each side, the credit and debt between both sides inside can be transferred to, form a channel of disbursement, and these quantity of information are excessive, inconvenience alternately.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 method that the different subjects that a kind of system structure is simple, association validation testing is intelligent, quick, easy associates confirmation in internet payment.
The invention provides a kind of method that different subjects associates confirmation in internet payment, different subjects associates confirmation system in internet payment and 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) creditor or debtor are by the input equipment typing credits information in remote equipment, all bills corresponding for these credits are positioned on same plane, and shoot in all bills extremely same shooting image by camera head 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；
(4) 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 (5), if failure, repeat step (1)-(3)；
(5) by the processor in service processing terminal, shooting image is processed, shooting image is carried out image segmentation according to the size of all bills corresponding to these credits, obtain many height shooting image of each bill corresponding respectively, carry out sub-shooting image recognition, obtain the billing information that each height shooting image is corresponding, 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 (6) is entered, if it is different, then repeat (1)-(4)；
(6) 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；
(7) by the transmitting element in service processing terminal by four-dimension array [UserID, LoginID, BillID, IMAGEs] send the remote equipment place to creditor or debtor, displayed by the display device in remote equipment, creditor or 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)-(6), if it is confirmed that information is "Yes", then enter step (8)；
(8) 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 or creditor, and displayed by the display device in the remote equipment place of debtor or creditor, debtor or creditor confirm, and the information that will confirm that is simultaneously sent to the remote equipment place of service processing terminal and creditor and debtor, complete to confirm；
(9) creditor and debtor after will confirm that confirm to be associated as ring type or chain type, particularly as follows:
Ring type: A → B → C → D → E →...→ Z → A, confirms to be associated as A → B → C=D → E →...→ Z → A,
Chain type: A → B → C → D → E →...→ Z, confirms to be associated as A → B → C=D → E →...→ → Z；
Wherein A-Z represents creditor or the debtor of different subjects, C respectively, and D is the completely voluntary affiliated party confirmed after associating.
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 different subjects of the present invention associates the method for confirmation in internet payment, it is possible to achieve:
1) independently relate to special different subjects in internet payment, associate the system of confirmation, coordinate the validation testing of 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 confirms on line, for big data analysis chain debts, debt crisis, go leverage to provide the foundation condition.
5) there is certain comparatively close relationship between Xian Xiage main market players, but its credit and debt is not necessarily present relation, it is impossible to mutually pay, but on line if it is confirmed that be relation of the relevant parts, a kind of new debtor-creditor relationship can be formed.
Accompanying drawing explanation
Fig. 1 different subjects associates confirmation system schematic in internet payment
Fig. 2 different subjects associates confirmation relation schematic diagram in internet payment
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 method that different subjects associates confirmation in internet payment, in turn include the following steps:
Wherein, as shown in Figure 1, on credit and debt information wire, remote validation 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.
Different subjects is bond people or the debtors such as governmental body, financial company, non-financial business, resident.
(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) creditor or debtor are by the input equipment typing credits information in remote equipment, all bills corresponding for these credits are positioned on same plane, and shoot in all bills extremely same shooting image by camera head 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；
(4) 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 (5), if failure, repeat step (1)-(3)；
(5) by the processor in service processing terminal, shooting image is processed, shooting image is carried out image segmentation according to the size of all bills corresponding to these credits, obtain many height shooting image of each bill corresponding respectively, carry out sub-shooting image recognition, obtain the billing information that each height shooting image is corresponding, 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 (6) is entered, if it is different, then repeat (1)-(4)；
(6) 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；
(7) by the transmitting element in service processing terminal by four-dimension array [UserID, LoginID, BillID, IMAGEs] send the remote equipment place to creditor or debtor, displayed by the display device in remote equipment, creditor or 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)-(6), if it is confirmed that information is "Yes", then enter step (8)；
(8) 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 or creditor, and displayed by the display device in the remote equipment place of debtor or creditor, debtor or creditor confirm, and the information that will confirm that is simultaneously sent to the remote equipment place of service processing terminal and creditor and debtor, complete to confirm；
(9) creditor and debtor after will confirm that confirm to be associated as ring type or chain type, particularly as follows:
Ring type: A → B → C → D → E →...→ Z → A, confirms to be associated as A → B → C=D → E →...→ Z → A,
Chain type: A → B → C → D → E →...→ Z, confirms to be associated as A → B → C=D → E →...→ → Z；
Wherein A-Z represents creditor or the debtor of different subjects, C respectively, and D is the completely voluntary affiliated party confirmed after associating.
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.
There is comparatively close main market players under line, confirm into a kind of relation of the relevant parts under online, by credit and debt external for both sides, transfer the debtor-creditor relationship that both sides are internal to, then can form a kind of channel of disbursement, effectively solve precipitation credit and debt.
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 (6)
1. the method that a different subjects associates confirmation in internet payment, it utilizes different subjects to associate confirmation system in internet payment and realizes, wherein different subjects associates confirmation system in internet payment and 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；
It is characterized in that, 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) creditor or debtor are by the input equipment typing credits information in remote equipment, all bills corresponding for these credits are positioned on same plane, and shoot in all bills extremely same shooting image by camera head 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；
(4) 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 (5), if failure, repeat step (1)-(3)；
(5) by the processor in service processing terminal, shooting image is processed, shooting image is carried out image segmentation according to the size of all bills corresponding to these credits, obtain many height shooting image of each bill corresponding respectively, carry out sub-shooting image recognition, obtain the billing information that each height shooting image is corresponding, 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 (6) is entered, if it is different, then repeat (1)-(4)；
(6) 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；
(7) by the transmitting element in service processing terminal by four-dimension array [UserID, LoginID, BillID, IMAGEs] send the remote equipment place to creditor or debtor, displayed by the display device in remote equipment, creditor or 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)-(6), if it is confirmed that information is "Yes", then enter step (8)；
(8) 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 or creditor, and displayed by the display device in the remote equipment place of debtor or creditor, debtor or creditor confirm, and the information that will confirm that is simultaneously sent to the remote equipment place of service processing terminal and creditor and debtor, complete to confirm；
(9) creditor and debtor after will confirm that confirm to be associated as ring type or chain type, particularly as follows:
Ring type: A → B → C → D → E →...→ Z → A, confirms to be associated as A → B → C=D → E →...→ Z → A,
Chain type: A → B → C → D → E →...→ Z, confirms to be associated as A → B → C=D → E →...→ → Z；
Wherein A-Z represents creditor or the debtor of different subjects, C respectively, and D is the completely voluntary affiliated party confirmed after associating.
2. the method for claim 1, it is characterised in that: described remote equipment is mobile phone, notebook computer, panel computer and/or desktop computer.
3. method as claimed in claim 2, it is characterised in that: input equipment is keyboard and/or touch screen.
4. method as claimed in claim 3, it is characterised in that: camera head is high-definition camera.
5. the method as described in claim 3 or 4, it is characterised in that: UserID is numeral numbering, Quick Response Code and/or bar code.
6. the method as described in claim 4 or 5, it is characterised in that: billing information is Quick Response Code, the combination of one or more in bill odd numbers, term of bill.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201610125306.9A CN105809449A (en) | 2016-03-04 | 2016-03-04 | Method for realizing correlated confirmation of different main bodies in internet payment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610125306.9A CN105809449A (en) | 2016-03-04 | 2016-03-04 | Method for realizing correlated confirmation of different main bodies in internet payment |
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| CN105809449A true CN105809449A (en) | 2016-07-27 |
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| CN201610125306.9A Pending CN105809449A (en) | 2016-03-04 | 2016-03-04 | Method for realizing correlated confirmation of different main bodies in internet payment |
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Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1308296A (en) * | 1999-12-22 | 2001-08-15 | 株式会社日立制作所 | Bill processing system |
| CN102542702A (en) * | 2010-12-10 | 2012-07-04 | 洪煌炳 | Ticket automatic output system and ticket automatic output method |
| CN103955836A (en) * | 2014-04-22 | 2014-07-30 | 浙江佑安高科消防系统有限公司 | Closed loop electronic credit right debt payment asking management method for breaking up debt chain through network service provider |
| CN105321116A (en) * | 2015-09-10 | 2016-02-10 | 青岛有容发展有限公司 | Crowdfunding based credit-debt chain processing method and system |
-
2016
- 2016-03-04 CN CN201610125306.9A patent/CN105809449A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1308296A (en) * | 1999-12-22 | 2001-08-15 | 株式会社日立制作所 | Bill processing system |
| CN102542702A (en) * | 2010-12-10 | 2012-07-04 | 洪煌炳 | Ticket automatic output system and ticket automatic output method |
| CN103955836A (en) * | 2014-04-22 | 2014-07-30 | 浙江佑安高科消防系统有限公司 | Closed loop electronic credit right debt payment asking management method for breaking up debt chain through network service provider |
| CN105321116A (en) * | 2015-09-10 | 2016-02-10 | 青岛有容发展有限公司 | Crowdfunding based credit-debt chain processing method and system |
Non-Patent Citations (1)
| Title |
|---|
| 蒋先刚: "《数字图像模式识别工程项目研究》", 31 March 2014 * |
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Application publication date: 20160727 |