CN105809528A - Network type credit and debt handling method - Google Patents
Network type credit and debt handling method Download PDFInfo
- Publication number
- CN105809528A CN105809528A CN201610125619.4A CN201610125619A CN105809528A CN 105809528 A CN105809528 A CN 105809528A CN 201610125619 A CN201610125619 A CN 201610125619A CN 105809528 A CN105809528 A CN 105809528A
- Authority
- CN
- China
- Prior art keywords
- debt
- creditor
- debtor
- credit
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Abstract
The invention provides a network type credit and debt handling method. The method 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 invited creditor or the debtor implements the confirmation; a network type closed credit and debt chain is formed. The system structure is simple and the handling 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 net formula credit and debt processing method.
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 proof, formality, data under traditional approach, and such as invoice, contract, receipt, loan formality, court decision, bank's formality etc., amount is big at heart, alternately inconvenience." a kind of credit and debt chain processing method raised based on crowd and the system " that the such as application number of application previously is " a kind of net formula credit and debt processing method " of CN201510003306 and previous application such as application number is CN201510574124, describe the processing mode of credit and debt, but do not design complete system to realize, it it is more the commercial processes mode from credit and debt, processing mode also relatively single simply, perfect not, and 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, currently also it is not specifically designed for credit and debt information independently, apparatus system that integrated level is high 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 net formula credit and debt processing method that a kind of system structure is simple, validation testing is intelligent, quick, easy.
The invention provides a kind of net formula credit and debt processing method, 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 or debtor, complete to confirm；
(9) step (1)-(8) are repeated, completing the confirmation of all creditors and debtor, form net formula Guan Bi credit and debt chain, what complete Guan Bi credit and debt chain carries out flat account payment, flat account is successfully closed credit and debt chain, and providing flat account proves single.
Further, in the Guan Bi credit and debt chain of net formula described in step (9), if formed net formula Guan Bi credit and debt chain fails all credit and debts of each node of complete transaction payment, the then coupling according to credit and debt information, forms two or more complete Guan Bi credit and debt chain.
Further, step (9) also includes the credits to close in credit and debt chain node or debt minimum dollar amount as payment.
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 net formula credit and debt processing method of the present invention, it is possible to achieve:
1) independently relate to the system that net formula credit and debt processes 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 confirms on line, for big data analysis chain debts, debt crisis, go leverage to provide the foundation condition.
Accompanying drawing explanation
Fig. 1 net formula credit and debt processes system schematic
Fig. 2 credit and debt grid schematic diagram
Fig. 3 net formula Guan Bi credit and debt chain schematic diagram
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, and the present invention improves on the basis of existing technology, for the understanding present invention definitely, " a kind of credit and debt chain processing method raised based on crowd and system " that " a kind of net formula credit and debt processing method " that application number previously is CN201510003306 and previous application number are CN201510574124 is introduced in the application documents of the present invention by the mode that the present invention introduces in full.
The invention provides a kind of net formula credit and debt processing method, in turn include the following steps:
Wherein, as shown in Figure 1, debt net formula credit and debt processes system 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 (not shown), and server terminal includes the transmitting element, reception unit and the memory element that are connected with processor.
(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 or debtor, complete to confirm；
(9) step (1)-(8) are repeated, complete the confirmation of all creditors and debtor, form net formula Guan Bi credit and debt chain, what complete Guan Bi credit and debt chain carries out flat account payment, flat account is successfully closed credit and debt chain, provide flat account and prove single, in the Guan Bi credit and debt chain of net formula described in step (9), if formed net formula Guan Bi credit and debt chain fails all credit and debts of each node of complete transaction payment, the then coupling according to credit and debt information, form two or more complete Guan Bi credit and debt chain, step (9) also includes the credits to close in credit and debt chain node or debt minimum dollar amount as payment.
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.
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 (9)
1. a net formula credit and debt processing method, debt net formula credit and debt is utilized to process system, wherein debt net formula credit and debt process 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；
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 or debtor, complete to confirm；
(9) step (1)-(8) are repeated, completing the confirmation of all creditors and debtor, form net formula Guan Bi credit and debt chain, what complete Guan Bi credit and debt chain carries out flat account payment, flat account is successfully closed credit and debt chain, and providing flat account proves single.
2. the method for claim 1, it is characterized in that: in the Guan Bi credit and debt chain of net formula described in step (9), if formed net formula Guan Bi credit and debt chain fails all credit and debts of each node of complete transaction payment, the then coupling according to credit and debt information, forms two or more complete Guan Bi credit and debt chain.
3. method as claimed in claim 2, it is characterised in that: step (9) also includes the credits to close in credit and debt chain node or debt minimum dollar amount as payment.
4. method as claimed in claim 3, it is characterised in that: described remote equipment is mobile phone, notebook computer, panel computer and/or desktop computer.
5. method as claimed in claim 4, it is characterised in that: input equipment is keyboard and/or touch screen.
6. method as claimed in claim 5, it is characterised in that: camera head is high-definition camera.
7. the method as described in claim 5 or 6, it is characterised in that: UserID is numeral numbering, Quick Response Code and/or bar code.
8. method as claimed in claims 6 or 7, it is characterised in that: billing information is Quick Response Code, the combination of one or more in bill odd numbers, term of bill.
9. method as claimed in claim 7 or 8, it is characterised in that: further, bill is the combination of one or more in invoice, contract, receipt, loan formality, court decision, bank's formality.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610125619.4A CN105809528A (en) | 2016-03-04 | 2016-03-04 | Network type credit and debt handling method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610125619.4A CN105809528A (en) | 2016-03-04 | 2016-03-04 | Network type credit and debt handling method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105809528A true CN105809528A (en) | 2016-07-27 |
Family
ID=56466796
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610125619.4A Pending CN105809528A (en) | 2016-03-04 | 2016-03-04 | Network type credit and debt handling method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105809528A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106600416A (en) * | 2016-09-30 | 2017-04-26 | 上海互慧保企业管理咨询有限公司 | Artificial intelligence (AI) mutual sharing system |
| CN111028068A (en) * | 2019-07-03 | 2020-04-17 | 北京币码网络科技有限公司 | Data processing method, electronic equipment and computer readable storage medium |
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 |
| CN101853446A (en) * | 2010-05-24 | 2010-10-06 | 李建锋 | Management system, platform, module and method of electronic current account and relevant service |
| US20130212042A1 (en) * | 2011-10-17 | 2013-08-15 | Bjorn Johan Rosenberg | Municipal bond tracking and evaluation system |
| 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 CN201610125619.4A patent/CN105809528A/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 |
| CN101853446A (en) * | 2010-05-24 | 2010-10-06 | 李建锋 | Management system, platform, module and method of electronic current account and relevant service |
| US20130212042A1 (en) * | 2011-10-17 | 2013-08-15 | Bjorn Johan Rosenberg | Municipal bond tracking and evaluation system |
| 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 |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106600416A (en) * | 2016-09-30 | 2017-04-26 | 上海互慧保企业管理咨询有限公司 | Artificial intelligence (AI) mutual sharing system |
| CN111028068A (en) * | 2019-07-03 | 2020-04-17 | 北京币码网络科技有限公司 | Data processing method, electronic equipment and computer readable storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11037109B1 (en) | System and method for mobile check deposit | |
| US10515290B2 (en) | Comparing extracted card data using continuous scanning | |
| US20150356545A1 (en) | Machine Implemented Method of Processing a Transaction Document | |
| US20200074419A1 (en) | Method of conducting a digital currency exchange transaction utilizing blockchain | |
| US20200342428A1 (en) | Techniques for virtual deposit of paper currency | |
| CN105809541A (en) | Crowd funding based credit and debt chain processing method | |
| US20120226609A1 (en) | Remote Deposit Capture Method and Apparatus | |
| CN104299330A (en) | Long-distance virtual teller system and method for self-help card distribution | |
| US20230095320A1 (en) | Watermark as honeypot for adversarial defense | |
| CN106228442A (en) | A kind of system of real name does tax device, system and method | |
| CN105096106A (en) | Internet based tuition fee paying system | |
| CN107403311A (en) | The recognition methods of account purposes and device | |
| CN109767225A (en) | A kind of network payment fraud detection method based on self study sliding time window | |
| CN105809528A (en) | Network type credit and debt handling method | |
| WO2016131084A1 (en) | Bill payment system | |
| US11446949B1 (en) | Virtual teller check system | |
| CN103020506B (en) | A kind of combination is taken pictures and the Key equipment of bar code identification technology and method | |
| CN105809527A (en) | Credit and debt information online confirmation method | |
| US9064248B2 (en) | Remote capture of multiple deposit items using a grid | |
| CN105761145A (en) | Credit and debt account check confirmation method based on credit and debt account check confirmation system | |
| CN105809449A (en) | Method for realizing correlated confirmation of different main bodies in internet payment | |
| CN105809533A (en) | Main body information online transmitting and obtaining method | |
| CN108205757A (en) | The method of calibration and device of e-payment rightness of business | |
| US20150324771A1 (en) | Systems and methods for providing an optimized payment location for cash payments | |
| CN117523372A (en) | Image authentication method and device and electronic equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160727 |