CN105809541A - Crowd funding based credit and debt chain processing method - Google Patents
Crowd funding based credit and debt chain processing method Download PDFInfo
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- CN105809541A CN105809541A CN201610125621.1A CN201610125621A CN105809541A CN 105809541 A CN105809541 A CN 105809541A CN 201610125621 A CN201610125621 A CN 201610125621A CN 105809541 A CN105809541 A CN 105809541A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
A crowd funding based credit and debt chain processing method includes the following steps in sequence: a creditor and a debtor input data and performs registration through a remote device; a service processing terminal receives the data and generates and stores a three-dimensional array; the creditor or the debtor input creditor's rights information through the remote device and takes a picture of a note with 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 and the confirmation from the creditor or the debtor is implemented; a credit and debt chain is formed, a credit and debt list is transverse deeply for matching with crowd funding nodes in the chain and the credit and debt chain, and the minimum credit and debt chain amount in the chain is taken as the payment amount. The system structure is simple and the handling method is smart, quick and simple.
Description
Technical field
The present invention relates to communication electronic applications, be specifically related to a kind of credit and debt chain processing method raised based on crowd.
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 chain debts that presently, there are, the solution of polygonal debt are based on the intersubjective debtor-creditor relationship of three or more credit and debt of Guan Bi, and the credit and debt that therefore cannot realize a large amount of non-closed credit and debt chain pays." 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 credit and debt chain processing method raised based on crowd that a kind of system structure is simple, processing mode is intelligent, quick, easy.
The invention provides a kind of credit and debt chain processing method raised based on crowd, the credit and debt chain wherein raised based on crowd 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, 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 or debtor, complete to confirm；
(9) step (1)-(8) are repeated, complete the confirmation of all creditors and debtor, form credit and debt chain, be specially by credit and debt chain between the node of affiliated party each other for equal sign, have between the dereferenced side of debtor-creditor relationship for oriented arrow, arrow top is debt side, arrow end is credits side, arrow upper end is credit and debt volume, affiliated party is two or more creditor and debtor, between affiliated party, credit and debt information looks as a whole information, completely equivalent；
(10) for the top debt side and two, the end credits side node that form credit and debt chain in step (10), in credit and debt table coupling chain stored in extreme saturation memory element, crowd raises node, coupling credit and debt chain, using the minimum credit and debt amount of money in chain 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 credit and debt chain processing method raised based on crowd of the present invention, it is possible to achieve:
1) independently relate to the system being specifically designed for the credit and debt chain process raised based on crowd, coordinate the validation testing of original creation, processing mode and system equipment are combined, 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) in the way of crowd raises, pay account due, whole amounts payable can be paid without the debt side at chain top
Accompanying drawing explanation
The credit and debt chain that Fig. 1 raises based on crowd processes system schematic
Two credit and debt chain schematic diagrams of Fig. 2 onrelevant side and relevant side
The a plurality of credit and debt chain schematic diagram of Fig. 3
The credit and debt chain schematic diagram that Fig. 4 is open
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 credit and debt chain processing method raised based on crowd, in turn include the following steps:
Wherein, as shown in Figure 1, the credit and debt chain process system raised based on crowd 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 credit and debt chain, be specially by credit and debt chain between the node of affiliated party each other for equal sign, have between the dereferenced side of debtor-creditor relationship for oriented arrow, arrow top is debt side, arrow end is credits side, arrow upper end is credit and debt volume, affiliated party is two or more creditor and debtor, between affiliated party, credit and debt information looks as a whole information, completely equivalent；
(10) for the top debt side and two, the end credits side node that form credit and debt chain in step (10), in credit and debt table coupling chain stored in extreme saturation memory element, crowd raises node, coupling credit and debt chain, using the minimum credit and debt amount of money in chain as payment, if the optimum credit and debt chain such as formed is A → B → C → D → E → F → M, debt detail is: A owes B50 ten thousand, B deficient C50 ten thousand, C deficient D30 ten thousand, D deficient E40 ten thousand, E deficient F30 ten thousand, F and owes M60 ten thousand, then payment is minimum dollar amount 300,000.
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 (7)
1. the credit and debt chain processing method raised based on crowd, the credit and debt chain raised based on crowd 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, complete the confirmation of all creditors and debtor, form credit and debt chain, be specially by credit and debt chain between the node of affiliated party each other for equal sign, have between the dereferenced side of debtor-creditor relationship for oriented arrow, arrow top is debt side, arrow end is credits side, arrow upper end is credit and debt volume, affiliated party is two or more creditor and debtor, between affiliated party, credit and debt information looks as a whole information, completely equivalent；
(10) for the top debt side and two, the end credits side node that form credit and debt chain in step (10), in credit and debt table coupling chain stored in extreme saturation memory element, crowd raises node, coupling credit and debt chain, using the minimum credit and debt amount of money in chain as payment.
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.
7. the method as described in claim 5 or 6, 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 |
|---|---|---|---|
| CN201610125621.1A CN105809541A (en) | 2016-03-04 | 2016-03-04 | Crowd funding based credit and debt chain processing method |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610125621.1A CN105809541A (en) | 2016-03-04 | 2016-03-04 | Crowd funding based credit and debt chain processing method |
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| CN105809541A true CN105809541A (en) | 2016-07-27 |
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| CN201610125621.1A Pending CN105809541A (en) | 2016-03-04 | 2016-03-04 | Crowd funding based credit and debt chain processing method |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110348979A (en) * | 2019-07-23 | 2019-10-18 | 姜济安 | A method of polygon credit and debt, which is carried out, using closed loop data-link clears automatically |
| CN110838056A (en) * | 2019-11-15 | 2020-02-25 | 安徽海汇金融投资集团有限公司 | Debt resolving method and system based on big data |
| US10755247B2 (en) * | 2018-12-05 | 2020-08-25 | Capital One Services, Llc | Crowdfunding credit card payments |
| CN112308562A (en) * | 2020-11-09 | 2021-02-02 | 青岛有容信息科技有限公司 | Payment plan customization chain, operation method, computer device and readable storage medium |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10755247B2 (en) * | 2018-12-05 | 2020-08-25 | Capital One Services, Llc | Crowdfunding credit card payments |
| CN110348979A (en) * | 2019-07-23 | 2019-10-18 | 姜济安 | A method of polygon credit and debt, which is carried out, using closed loop data-link clears automatically |
| CN110348979B (en) * | 2019-07-23 | 2023-08-25 | 姜济安 | Method for automatically clearing multi-side credited liabilities by using closed-loop data chain |
| CN110838056A (en) * | 2019-11-15 | 2020-02-25 | 安徽海汇金融投资集团有限公司 | Debt resolving method and system based on big data |
| CN112308562A (en) * | 2020-11-09 | 2021-02-02 | 青岛有容信息科技有限公司 | Payment plan customization chain, operation method, computer device and readable storage medium |
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Application publication date: 20160727 |