CN107067221A

CN107067221A - A kind of method being traded by computer

Info

Publication number: CN107067221A
Application number: CN201611037022.0A
Authority: CN
Inventors: 克里斯彭基昆瓦德
Original assignee: Individual
Current assignee: Individual
Priority date: 2016-11-22
Filing date: 2016-11-22
Publication date: 2017-08-18

Abstract

The present invention relates to a kind of method being traded by computer.User is positioned at multiple national users for possessing bank account.Bank is linked to computing system, and computing system can be configured to realize the various transaction carried out between user.Using the present invention, government will receive tax in real time, consequently, it is possible to the number of government loan will be minimized.Government revenue and expenditure can be monitored in real time, and this means that the surplus of country and deficit situation can also be monitored in real time.Make the public revenue transparence examined, promote national management, help farthest to decrease or even eliminate the generation of corruption.Royalty for the right of special permission and commission are imported in real time, promote the Capital Flow of payee.Using this advantage of exchange rate difference between different bank, system can provide the user with multiple Path selections, different expenses are produced respectively.In this way, competition is just grown in each interbank；User can use alap expense, complete transferred account service.

Description

A kind of method being traded by computer

Technical field

The present invention relates to the computing system for carrying out electronic transaction, more particularly to one kind is traded by computer Method.

Background technology

Many users including company are traded on the net.But these transaction may be complicated hard to understand, especially when When user is in country variant.Therefore, the demand that client carries out online transaction using new system and new method is just generated. New system and new method are configured, makes it possible that the user of country variant is traded.

The content of the invention

It is an object of the invention to provide a kind of method being traded by computer, handed over the user of country variant Easily it is possibly realized, this system and method by configuration will enjoy the favor of user.

A kind of method being traded by computer, user's operation calculation device, methods described includes：

The proof of identification and transfer amounts of payee is received from computing device on a computing system；

By the computational system identification one or more payee bank accounts related to payee, the bank account is by chain It is connected to the account payee of computing system preservation；

By the computational system identification one or more payer bank accounts related to requestee, the bank account is by chain It is connected to the payer account of computing system preservation；

By computational system identification one or more from each bank account of requestee to each Bank account transfer of payee Transfer accounts path；

The related expense in path of respectively transferring accounts is determined by computing system；

The related expense in path and each path of respectively transferring accounts is shown by computing system Command Arithmetic Unit；

The path selected from computing device is received by computing system, the path selected should be one or more paths One of；

The amount of money is transferred accounts to payee from requestee according to selected path by computing system.

It is preferred that, artificial government's account of collecting money, methods described includes：Payment information, the payment are received by computing system Information at least determines a tax rate；Trigger event is detected by computing system；Detect after trigger event, pass through computing system root The amount of tax to be paid is determined according at least one tax rate；The amount of tax to be paid is transferred accounts to government's account from payer account by computing system.

It is preferred that, when at least one tax rate includes the sale tax rate suitable for production marketing, the trigger event detected For production marketing.

It is preferred that, methods described also includes：New trigger event is detected by computing system, new trigger event is new The sale of different product；Determine whether new sale exempts from sale tax by computing system.

It is preferred that, when payment information identifies that sale tax is exempted from the sale of different product, the side also includes：Pass through meter Calculation system receives the confirmation that sale tax is exempted from sale of the government customer associated with government account to different product.

It is preferred that, when at least one tax rate includes the sale tax rate suitable for production marketing, the trigger event detected Product is sold to buyer for company, payer account is related to buyer, methods described also includes passing through computing system to government's account The government customer at family presents sales message, and the sales information includes consumption sum and the proof of identification of company.

It is preferred that, when at least one is individual income tax rate, payment information includes salary, and the trigger event detected is Salary is paid, the determination to the amount of tax to be paid includes determining an applicable individual income tax rate according to salary.

It is preferred that, when payment information determines real estate and during preferential selling price, at least one tax rate includes motionless Produce the tax rate,

The trigger event detected is to sell real estate with existing selling price, according to the real estate tax rate, preferential sale price Lattice and existing selling price determine the amount of tax to be paid.

It is preferred that, it is necessary to the sale tax imposed in a period of time, the Individual Income Tax and the section imposed in this time When a government revenue in the enterprise income tax imposed in time is analyzed, methods described also includes：

The government revenue imposed in this time is shown by computing system；

Governmental Expenditure in this time is shown by computing system, Governmental Expenditure is at least included at least one in this time Expense and the salary in this time to government employee payment that individual section office of government or department produce；

Government revenue and Governmental Expenditure are compared by computing system, obtained a result；

The result is shown by computing system.

It is preferred that, it is necessary to the municipal corporation account held to municipal corporation that fund is transferred accounts from the member account that member state holds The method at family, methods described also includes：

The payment information that the member that being received by computing system should pay to member state to municipal corporation offers；

By computing system detect member donation whether due and payable；

The amount of money that member offers is determined according to the gross national product of tax revenue or member state by computing system；

The amount of money offered by computing system member freezes；

The amount of money offered by calculating system member is thawed, and it is transferred accounts to municipal corporation account from member account Family.

It is preferred that, methods described also includes：

The identification information for the government employee for formulating public fund relevant Decision is received by computing system；

Pair at the end of the service terminated with the employee of the labour contract of government need to be paid by computing system reception The identification information of money；

For every employee：

By computing system, pair at the end of a part should pay the service of employee is retained in the labour contract term of validity Money；

Received by computing system to whether meeting the confirmation of one or more of predetermined condition；

Expense after confirmation after discharge part of service terminates is being received by computing system.

It is preferred that, when with one or more of predetermined condition, including perform individually audit.

It is preferred that, methods described includes：

The payment information for identifying milestone and related fund is received by computing system；

The expression for receiving associated with the side of transferring accounts first user transmission by computing system has started to the of milestone The expression that one confirmation and second user associated with payee send has started to second confirmation of milestone；

The pertinent payment amount of money is freezed after milestone has started to detecting by computing system；

Completed milestone by the expression of first user's transmission of computing system reception the 3rd confirms and second The expression that user sends has completed the 4th confirmation of milestone；

By computing system receive the 3rd confirm and the 4th confirm after by the pertinent payment amount of money from the side's of transferring accounts account Transfer accounts to account payee.

It is preferred that, methods described includes：

The payment information for identifying product and royalty rate is received by computing system；

The confirmation carried out to royalty rate that the entity associated with account payee is sent is received by computing system；

Pre- purchased from the payment user associated with payer account for receiving buying user's transmission by computing system is produced The request of product；

Handled by computing system selling product to buying user；

Determine that patent right transfers the possession of usage charges according to royalty rate by computing system；

Patent right transfer usage charges are transferred accounts to gathering from payer account after product sale by computing system and acknowledged a debt Family.

It is preferred that, methods described includes：

The identification carried out to employee and lump sum bonus is received by computing system；

Received by computing system to whether meeting the confirmation that one or more condition is carried out；

Lump sum bonus is transferred accounts to the user account associated with employee after confirmation is received by computing system.

It is preferred that, methods described includes：

Multiple national total tax rates and advertising income for one or more of product are obtained by computing system；

By computing system, total amount of tax is determined according to total tax rate and advertising income；

By computing system, the total amount of tax of one or more of product of foundation and the ratio for being sold to country variant, it is determined that many The individual national multinomial expenses of taxation；

The multinomial expenses of taxation are transferred accounts to the multiple user accounts associated with multiple countries by computing system.

It is preferred that, when carrying out quotation flow, methods described includes：

The request for quote that second user sends for the inquiry of first user is received by computing system；

The request of the production cost of second user related to quotation is received by computing system；

Propose that second user provides the license request of production cost to first user by computing system；

Production cost is determined by computing system, and when second user agrees to license request, this produced Cost revealing gives first user, and the production cost includes labor cost.

It is preferred that, methods described includes：

The proof of identification of event organizer is received by computing system；

Receive the requirement inventory of event organizer by computing system, the inventory, which at least includes one, related to place to be wanted Ask；

The place at least meeting a requirement is searched by computing system；

One of place that event organizer selects is received by computing system；

Lowest fare is shown by computing system, the admission fee should can pay the cost of selected place available in-seat.

It is preferred that, methods described also includes：The net income sold after date of draft is shown by computing system.

It is preferred that, methods described includes：

It is each user storage music data in multiple users by computing system, the data can recognize each user The song of purchase, each user buys the movable ticket sheet that an artist plays；

Show which song sung in the artistical list of songs including music data, decision activity by computing system Afterwards, the artist can use this list, the multiple users of the list None- identified.

It is preferred that, methods described includes：By computing system be artist show one of specific user birthday or Commemoration day, artist can send out to the specific user and bless.

It is preferred that, methods described includes：

After the song that only user's purchase or rental are largely predetermined, the user is registered as by music by computing system Host；Being shown by computing system is considered as the list of songs that most users are liked, and determines what is participated in most users After the song played in activity, disc jockey can use this list, the list None- identified most users.

It is preferred that, methods described includes：

Whether it is underage users by computational system identification user；

Underage users are connected from different guardian users by computing system；

The option of guardian user is shown by computing system, the option at least allows guardian user to determine following content One of which：

Underage users can watch one or more times of one or more type contents of computing system offer；

The content for allowing underage users to be watched in computing system；

The content for allowing underage users to be bought in computing system；

The option that guardian user selects is received by computing system.

It is preferred that, methods described includes：

One or more of buying of user country limitation is determined by computing system；

Prevent user from carrying out at least one buying in above-mentioned one or more of buying by computing system.

It is preferred that, methods described includes：

When at least one buying belongs in the range of certain time forbids procurement item, computing system prevents user at this The buying is carried out in section time range.

It is preferred that, methods described includes：

The gambling licensing of betting office is confirmed by computing system, betting office at least formulates an independent auditor；

The first prize bonus of betting office is received by computing system；

First prize bonus is freezed by computing system；

Lottery ticket is sold to most users by computing system；

Lottery ticket sales tax is paid by computing system；

Lottery digit groups are received by computing system；

The confirmation of lottery digit groups is received by computing system；

By computing system, determine in most users one according to lottery ticket certificate and lottery digit groups or several users are One or several prize winners；

Pass through computing system defrosting first prize bonus；

The remaining sum of income tax and first prize bonus is determined by computing system；

By computing system to government's bill payment income tax；

By computing system to the one or more accounts related at least one lottery winner in one or several lottery winners Pay remaining sum.

It is preferred that, methods described includes：

One brand and the proof of Related product are received by computing system；

Registration of the brand in official mission is confirmed by computing system；

Confirm to authorize the retailer of sale product by computing system；

Licensed-type production business is confirmed by computing system, manufacturer production product group simultaneously sells product group to enter to retailer The follow-up retail activity of row；

One or more product group inventories that retailer sells are shown by computing system；

The product group that retailer buys at licensed-type production business and retailer sells is tracked by computing system, with true Protect the product group that retailer only sells mandate；

When computing system determines that retailer has sold out all product groups bought at licensed-type production business, pass through computing system Delete the inventory.

It is preferred that, methods described includes：

The product for being sold to retailer by computing system reception proves that every product has the shelf-life；

The product inventory that retailer buys is shown by computing system；

By computing system, determine whether one of selected product is out of date according to the term of validity of selected product；

Remind product selected by retailer out of date by computing system.

It is preferred that, methods described includes：

By computing system receive be sold to retailer product proof and the product at least one it is national most The proof of high price；

The suggestion lists of retailer's product are received by computing system, the list includes product price and at least in a state Family provides production marketing；

When product price is less than or equal to ceiling price, suggestion lists are shown by computing system.

It is preferred that, methods described includes：

One or more applications for going to multiple national visas are received by computing system, application is submitted by user, this The one or more visas of class have common requirement；

Obtained by computing system and meet desired necessary information；

Information is submitted to multiple countries by computing system；

Confirmation request is received by computing system, one or more visas are signed and issued by multiple countries.

It is preferred that, methods described includes：It is required that during vaccine inoculation, the information of acquisition includes：

Recorded by computing system lookup medical centre and find out the record for showing that user carries out vaccine inoculation.

It is preferred that, methods described includes：

It is that medical centre sets up user account by computing system, stores vaccine inoculation recording；

Whether will be expired or expired according to vaccine inoculation recording automatic detection vaccine by computing system；

Sent and notified to associated user by computing system, illustrate that vaccine will be expired or expired.

The present invention brings following beneficial effect：

Government will receive tax in real time, consequently, it is possible to the number of government loan will be minimized.Government once borrows Money is accomplished by payment on account of credit interest, and this cost is finally undertaken by taxpayer.Therefore there are Penveel softwares, the amount of money of loaning bill Limited, government need not just wait the tax of taxpayer to pay remittance for the proceeds.

Government revenue and expenditure can be monitored in real time, and this means that the surplus of country and deficit situation can also be supervised in real time Control.This allows for government fully to grasp surplus and deficit situation, promulgates appropriate emergency response policy in time if necessary.Thus Economy and the public service of country can preferably be managed.For John Q. Public, this mean that development, new job opportunity and Higher income.

Make the public revenue transparence examined, promote national management.Government's branch is carried out using transparent purchasing system Go out the generation for similarly helping to farthest decrease or even eliminate corruption.

Royalty for the right of special permission and commission are imported in real time, promote the Capital Flow of payee.

Ensure and submit in real time and add region and international body for example, country member's membership dues of the United Nations, European Union etc..So The Capital Flow of region and international body can be promoted and ensure the abundance of capital.There is the fund of abundance, these mechanisms just can be effective Ground is done one's duty, and worldwide strengthens international safe, peace, meets other humanistic demands.

Using this advantage of exchange rate difference between different bank, system can provide the user with multiple Path selections, respectively Produce different expenses.In this way, competition is just grown in each interbank；User can use alap expense, and completion is transferred accounts/paid Business.

Brief description of the drawings

Fig. 1 is for online transaction is illustrated with the networked system exchanged carrying out user schematic diagram.

Fig. 2 is to schematic diagram that is multiple national and being illustrated positioned at these national bank's examples.

Fig. 3 is configured for expression networked system of the computing system for being merchandised carrying out user i.e. shown in Fig. 1 Flow chart.

Fig. 4 is the account in expression computing system and its block diagram with bank account relation.

Fig. 5 is the block diagram for the user for representing Internet access corporation account.

Fig. 6 is expression bid or the flow chart of quotation flow.

The flow chart that Fig. 7 issues invoice with funds release flow for expression.

Fig. 8 is the flow chart for representing procurement process.

The flow chart that Fig. 9 is paid the bill for expression.

If whether Figure 10 is to represent to being determined to pay parking fee positioned at the vehicle of parking spot and not paying this Take and paste the flow chart of penalty note.

The flow chart that Figure 11 is operated for expression HR Users.

The flow chart that Figure 12 asks for expression processing employee.

Figure 13 knits the block diagram of account for expression prevailing governmental account and subgroup.

Figure 14 represents the hardware environment and running environment for the computing device that Fig. 1 systems may be run.

Figure 15 is the flow chart for representing payment process.

Figure 16 is the block diagram for the bank account for representing that user Mark is related to John.

Figure 17 is to illustrate the square frame from the John all paths transferred accounts in the account of XXX banks to Mark each account Figure, and each path correlative charges.

Figure 18 interfaces of being transferred accounts to exemplary fund are illustrated.

Figure 19 is the block diagram illustrated to the user of government's account and the Internet access account.

Figure 20 carries out the flow chart that fund is transferred accounts from first user for expression to second user.

The exemplary matrix that Figure 21 may be used to specific tube area under one's jurisdiction in decision process is done is illustrated.

The flow chart that Figure 22 is tracked for expression to raw material.

Use identical reference number that identical part is identified in each figure.

Embodiment

The present invention is described further below in conjunction with the accompanying drawings：

The government revenue imposed in this time is shown by computing system；

The result is shown by computing system.

By computing system detect member donation whether due and payable；

The amount of money offered by computing system member freezes；

It is preferred that, methods described also includes：

For every employee：

It is preferred that, methods described includes：

Handled by computing system selling product to buying user；

It is preferred that, methods described includes：

The place at least meeting a requirement is searched by computing system；

One of place that event organizer selects is received by computing system；

It is preferred that, methods described includes：

Whether it is underage users by computational system identification user；

The content for allowing underage users to be watched in computing system；

The content for allowing underage users to be bought in computing system；

The option that guardian user selects is received by computing system.

It is preferred that, methods described includes：

The first prize bonus of betting office is received by computing system；

First prize bonus is freezed by computing system；

Lottery ticket is sold to most users by computing system；

Lottery ticket sales tax is paid by computing system；

Lottery digit groups are received by computing system；

The confirmation of lottery digit groups is received by computing system；

Pass through computing system defrosting first prize bonus；

By computing system to government's bill payment income tax；

It is preferred that, methods described includes：

One brand and the proof of Related product are received by computing system；

Confirm to authorize the retailer of sale product by computing system；

It is preferred that, methods described includes：

The product inventory that retailer buys is shown by computing system；

Remind product selected by retailer out of date by computing system.

It is preferred that, methods described includes：

Obtained by computing system and meet desired necessary information；

Information is submitted to multiple countries by computing system；

It is preferred that, methods described includes：

Fig. 1 for example searching, handle for 110 online transactions carrying out user, pay, and exchange networked system 100 are set forth.System 100 includes a computing system 120 operated by transaction entity 122.Computing system 120 performs friendship Easy software 124, and selectively perform database 126.Transaction software 124 is configured, so as to deposit data Storage is retrieved in database 126, and to the data of the database.As shown in Fig. 2 transaction entity 122 is probably one complete Ball bank.On the other hand, transaction entity 122 can possess some functions of a global bank, but be not necessarily one really Bank.

Fig. 1 is returned to, system 100 includes the multiple bank's computing systems 130 operated by different bank 132.Bank 132 can position In countries different in the world, from A to F, Fig. 2 is seen.It may not also be a global bank that each bank 132, which is probably,.In order to It is easy to explanation, in Fig. 1, bank 132 includes seeing Fig. 2 positioned at country A first hand bank 133A, positioned at second of national B Bank 133B is shown in that Fig. 2, and a global bank 133C are present in global country variant.However, bank 132 potentially include it is similar In bank 133A, 133B, 133C all multi-banks.

Some banks 132 can set up one or more different subbranches or branch.Referring to Fig. 2, global bank 133C is shown in figure 1, branch or subbranch 176A-176F can be set up from A to F in multiple countries.In the figure 2 example, Fig. 1 global bank 133C Subbranch 176A-176F is located at multiple countries respectively, from A to F.Although Fig. 2 illustrate only six different countries, system 100 It can be used in many different countries or administrative area.

Fig. 1 is returned to, user 110 includes entity 150 and individual 160.It is illustrated by non-limiting example, entity 150 Potentially include one or more NGOs and non-government organization.For purposes of illustration only, the entity 150 illustrated includes three kinds of entities i.e. Company 153A and 153B and government entity 153C, the individual 160 illustrated includes four kinds of individuals, from IND1 to IND4.But system 100 can be by multiple entities or personal use.

User 110 is the account holder or client of bank 132.Referring to Fig. 4, pass through non-limiting example, the first the father-in-law Take charge of 153A and be provided with first in first hand bank 133A provided with first corporation account 170A, personal IND1 in first hand bank 133A Individual personal account 172A.Similarly, in given example, the second company 153B is provided with second in second bank 133B Corporation account 170B, government entity 153C are in second bank 133B provided with a government account 170C, and personal IND2 is second Family bank 133B is provided with second personal account 172B.

Fig. 1 is returned to, individual 160 is conducted interviews by using computing device 162 to computing system 120.For convenience of description, In Fig. 1, individual operates to computing device from 163A to 163D respectively from IND1 to IND4.Personal IND1 and IND2 can make Fig. 4 their respective personal account 172A and 172B are conducted interviews with respective computing device 163A and 163B.First hand Computing system 152 can be used to their respective account Fig. 4's in company 153A, the second company 153B and government entity 153C 170A, 170B and 170C conduct interviews.

Computing system 120,130 and 152 and computing device 162 are interconnected by such as internet of network 180.Each meter Calculation system 120,130 and 152 and computing device 162 can be performed as a computing device 12 in Fig. 4, following article.

Fig. 3 enters Fig. 1 and the method to set up 190 of Fig. 4 computing system 120 for being merchandised the user 110 for carrying out Fig. 1 Explanation is gone.In first square frame 192, referring to Fig. 1, bank 132 is noted using computing system 130 and computing system 120 Volume, such as when fulfiling particular conditions and condition.Referring to Fig. 4, for each bank for completing registration, Fig. 1 software 124 can A record is created in database 126.It is illustrated by non-limiting example, Fig. 4 is shown respectively using calculating system The record 212 and 214 that the first hand bank 133A and second bank 133B that system 120 is registered are created.

Fig. 3 is returned to, in square frame 194, user 110 is the entity 150 and individual 160 shown in Fig. 1, passes through Fig. 1 calculating System 120 is registered.For each user for completing registration, Fig. 1 software 124 creates personal account or one Corporation account specifies unique user's mark " ID " for example in database 126 for user.Can home or the world its His various countries pay related fund using ID to other users.

It is illustrated by non-limiting example, Fig. 4 is shown in Fig. 1 software 124 is first company Fig. 1 153A and first corporation account 222 created and the first personal's account created by software 124 for Fig. 1 personal IND1 224.As illustrated, computing system 120 is by first corporation account 222 and first personal's account 224 and first hand bank 133A is associated.Meanwhile, computing system 120 also by first corporation account 170A and first personal's account 172A respectively with First corporation account 222 and first personal's account 224 are associated.Fig. 1 software 124 can refer to by using these relations Show that first hand bank 133A freezes to the part fund in first corporation account 170A or first personal's account 172A Or provide.

Similarly, Fig. 4 shows the second company's account created by Fig. 1 software 124 for Fig. 1 the second company 153B Family 226 and second personal account 228 created by software 124 for Fig. 1 personal IND2.As illustrated, computing system 120 Second corporation account 226 and second personal account 228 are associated with second bank 133B.Meanwhile, computing system 120 also by second corporation account 170B and second personal account 172B respectively with second corporation account 226 and second Personal account 228 is associated.Fig. 1 software 124 can indicate second bank 133B to second by using these relations Part fund in corporation account 170B and/or second personal account 172B is freezed or provided.

In square frame 194, bank 133A and 133B optionally through computing system 120 to its user carry out upload and Registration.Or, bank 133A and 133B can input its user list, and these users also can voluntarily be registered.Individual in Fig. 1 Entity 150 registrable entity information such as director and stock in 160 registrable personal information such as physical address and telephone number, Fig. 1 The identity in east.

Personal account such as first personal's account 224, can be by personal IND1 of the user of single type for example shown in Fig. 1 Access, and such as first corporation account 222 of corporation account can have different responsibilities or duty by company's correlation, polytype The user of energy or employee access.Whether it is that corporation account makes decision to New Account in determining at frame 196.When New Account is individual When people's account and the termination of method 190, "No" is determined as in determining at frame 196.

On the other hand, when such as first corporation account 222 of New Account is corporation account, the decision in determining at frame 196 For "Yes".When being determined as "Yes", in square frame 198, one or more personal 160 such as employees associate with every kind of user type Get up.All related to user type are per capita with access to company's account.Moreover, the fund in corporation account can be in difference Divided or distributed between user type.

It is illustrated by an example, referring to Fig. 5, four kinds of different user types can be with respective corporation account for example Corporation account 222 associates：Business operation user type, Finance users type, management user type and human resources " HR " user type.One or more individuals can associate with every kind of user type.Therefore, as shown in figure 5, corporation account 222 can be accessed by one or more business operation users 230, Finance users 232, management user 234 and HR user 236.With Family 230,232,234 and 236 can be respectively business operation portion, Finance Department, management department and the work of HR portions.But this and it is optional will Ask.Similarly, referring to Fig. 4, second corporation account 226 can be by one or more business operation users 250, Finance users 252, pipe Reason user 254 and HR user 256 access.

Referring to Fig. 4, for the individual associated with certain user type, computing system 120 is it in database 126 It is upper to create a record.It is illustrated by non-limiting example, Fig. 4 shows as user 230,232,234 and 236 respectively The record 260,262,264 and 266 of establishment and the record 270,272,274 created for user 250,252,254 and 256 and 276。

Referring to Fig. 5, other employees 240 can be connected in corporation account 222 by HR user 236.That is, HR user 236 can be registered by computing system 120 to employee 240.Consequently, it is possible to which user 230,232,234 and 236 just can pass through The personal account registered by computing system 120 that corporation account 222 and/or employee 240 hold is connected with employee 240 Connect or exchange.

Referring to Fig. 1, as described above, entity 150 may include NGO such as government entity 153C.If government entity 153C is government or the Ministry of Finance, then government entity 153C can open up a prevailing governmental account by using the method 190 shown in Fig. 3 Family 280, sees Figure 13, so that polytype user uses.For example, referring to Figure 13, opening up a prevailing governmental account and being labeled as " prevailing governmental fiscal accounts ", so that business operation user 282, Finance users 284, management user 286 and HR user 288 make With.Similarly, the government of Fig. 2 every country from A to F is respectively provided with a prevailing governmental account such as prevailing governmental account 280, And knit opening relationships or association such as department, mechanism for the subgroup in government.For example, prevailing governmental account 280 can be in meter The different account creations held are knitted in calculation system 120 for subgroup and replicate account 290A, 290B and 290C, hereinafter referred to as " subgroup Knit account ".Referring to Fig. 4, subgroup is knitted account 290A, 290B and 290C and can grasped as corporation account 222,224 and 226 Make；But different subgroups is knitted received fund and will be logged in the prevailing governmental account 280 of government for example to be controlled by the Ministry of Finance The account of system.As shown in figure 13, in specific NGO each department and/or the employee of mechanism can use as business operation Family, Finance users, management user and HR user are registered.The spending antithetical phrase that prevailing governmental account 280 can be knitted for subgroup Tissue, which is appropriated funds for example to appropriate funds to subgroup, knits account 290A, 290B and 290C, and fund can be by one or more Finance users 284 Transferred to.Consequently, it is possible to which subgroup knits the fund that only can be used and provided by government.

Referring to Fig. 1, after entity 150 completes registration, entity can be attached with other users, other users such as entity Others are located at branch company, agency and the affiliate of home and overseas.Entity 150 can specify they and other users 110 relation, other users 110 are in computing system 120, for example, entity 150 can specify whether another user 110 is one Subsidiary of family, parent company, branch company, affiliate, affiliated company etc..Authority can be assigned to all over the world by entity 150 Associated user 110 is such as branch company, agency, affiliate.It is illustrated by non-limiting example, specified right It may include one or more of following authority：

1. approval quotation and the authority of payment；

2. only check authority；

3. lack of competence is only connected；

4. check the authority of some selection information.

It is illustrated by non-limiting example, the user or associated user being connected may include that hospital and medical insurance are public Department, different airlines of shared loyalty program etc..It is illustrated by another non-limiting example, related entities are for example The different branch companies of same company can be linked up with another related entities.For example, first hand branch company can be to second Branch company of family sends inquiry request, second branch company of inquiry whether be ready by by first of first hand branch company buying with Second of second branch company purchases the method merged and enjoys the discounting that supplier provides.

Such as individual IND3 of user 110, can entrust to its responsibility one or more other users such as individual IND4.Example As individual IND3 can entrust to its responsibility before asking for leave personal IND4.Start Date and closing day that personal IND3 inputs are asked for leave Phase, individual IND4 is selected by the user I for being assigned to personal IND4, then input explanation individual IND3 entrusts to its responsibility IND4 selection.Personal IND4 will receive an effective password during IND3 asks for leave.During this period, personal IND4 travelings All functions specified by IND3.If for example, individual IND3 is the business operation user 230 of a bitmap 4 and individual IND4 is A Fig. 4 Finance users 232, personal IND4 had both travelled the responsibility of business operation user 230, and Finance users 232 are travelled again Responsibility.Personal IND3 chooses whether to receive the notice from computing system 120 during asking for leave.

Computing system 120, which has, to be grouped to the account that bank account is for example held in country variant and allows these The characteristics of other users in computing system 120 are transferred accounts or paid to the carry out fund of user 110 of bank account.Computing system 120 Also user 110 is allowed to be exchanged with another user.For example, insurance company user is to computing system in computing system 120 Related confirmation can be obtained before Insurance User payment at another user such as police office from computing system 120 in 120 Book or other information such as police report.

Moreover, its account can be connected in other one or more accounts by user, information sharing is carried out.For example, being connected The information on other accounts that are connected can be checked by meeting first user of account, but need to the license through account user, can be to report Valency and payment are ratified, and can be generated by using computing system 120 and check report.

In addition, the authority that user can for example ratify its authority payment is assigned to other users or other users is taken Action confirmed.For example, such as one lawyer of second user may be selected in first user, the situation that meets to condition is entered Row confirms.The granting of fund is carried out after condition is met or is transferred accounts to another outer user.

User such as the first company 153A routine work activity can be with the user that is operated by computing system 120 Such as first corporation account 222 of account is connected, and 120 pairs of the computing system grade business activity is recorded.For example, boat The predetermined air ticket of empty company can be connected by the corporation account in computing system 120 with the bank account of airline.Meanwhile, Personal predetermined air ticket can be connected by the personal account in computing system 120 with personal bank account.Using this Record by relevant information such as flight schedules be supplied to it is personal or other people.

After the completion registration of user 110 all over the world is pointed to, user just can perform one or many shown in Fig. 6 to 12 Individual method 300,400,500,600,700,800 and 900.

What Fig. 6 method 300 was performed is bid or quotation flow, and Fig. 7 execution of method 400 is to issue invoice and provide Cash flow.For purposes of illustration only, performing method 300 and side by the first company 153A in Fig. 1 and the second company 153B The mode of method 400 is illustrated.Before method 300 and method 400 is performed, business operation user 250 inputs or uploaded by second Product or service type explanation that company 153B is provided.

Referring to Fig. 6, in first square frame 310, Fig. 1 the first company 153A one or more business operation users 230 see Fig. 4, send bid or inquiry request.The request is input in computing system 120, for example, passes through the calculating shown in Fig. 1 System 152.Explanation of the request bag containing the first company 153A one or more products purchased in advance or service.

In next square frame 315, Fig. 1 the first company 153A one or more Finance users 232 are shown in Fig. 4, right Request is ratified.Such as after ratifying a motion, Fig. 1 and Fig. 4 computing system 120 will notify other associated companies, shown in Fig. 1 Second company 153B.Computing system 120 will determine logical according to the second company 153B products inputted or service type explanation Which company known.

In next square frame 320, second company 153B of the associated companies for example shown in Fig. 1 is audited to request. The request is associated with the first company 153A ID.In the request, it may choose whether only by the first company 153A ID its identity can be just identified.In block 320, computing system 120 will be asked by the calculating system shown in Fig. 1 Request is showed associated companies by system 152.Meanwhile, the input frame that computing system 120 also shows company's input quotation is for example reported Valency frame.The visual time of the input frame was at least except 2 working days, weekend, and to registered to associated companies or to it is related public The associated user of department is visible.Be illustrated by non-limiting example, to the second company 153B register user 250, 252nd, 254 and 256 and the user to other register of company can check the input frame.The request and input frame may be selected whether to institute There is user visible.

In square frame 325, quotation can be input to by the associated companies for being intended to respond request comprising a money price In input frame.It is illustrated by non-limiting example, Fig. 1 the second company 153B business operation user 250 sees Fig. 4, A quotation can be inputted.The quotation is associated with the second company 153B ID.In quotation, it may choose whether only to pass through Just its identity can be identified for second company 153B ID.

In square frame 330, Fig. 1 the first company 153A business operation user 230 sees Fig. 4, to being directed to for being received All quotations of request are audited, and a quotation is then selected from associated companies, such as the second company 153B inputs Quotation.

If there is the potential conflict of interest, the decision in determining at frame 335 is then "Yes", otherwise determining in determining at frame 335 It is set to "No".It is illustrated by non-limiting example, when selected company and first company 153A have identical one During individual or multiple directors, the conflict of interest is occurred as soon as.

When being determined as "Yes", Fig. 1 the first company 153A business operation user 230 is certainly in determining at frame 335 Determine to determine whether conflict is subjected in frame 340.When conflict is acceptable, "Yes" is determined as in determining at frame 340, otherwise determining at frame "No" is determined as in 340.When in determining at frame 340 when being determined as "No", the first company 153A business operation user 230 A different quotation is selected in square frame 330.

If it is determined that being determined as in frame 335 is determined as "Yes" in "No" or determining at frame 340, the first company 153A's One or more Finance users 232 are ratified in square frame 345 to selected quotation.

In square frame 350, computing system 120 indicates first hand bank 133A to offering in first corporation account 222 Total amount is freezed or retained, so that it is guaranteed that Fig. 1 the first company 153A can pay corresponding fund.

In square frame 355, company such as the second company 153B for providing quotation is notified to be selected, quotation is i.e. in square frame The quotation chosen in 330, hereinafter referred to as " company chosen ", then method 300 is terminated.

After method 300 is terminated, the company chosen provides one or more of product and/or service according to request.

As described above, the execution of method 400 is to issue invoice and provide cash flow.Referring to Fig. 7, in first square frame In 410, second company 153B of the company chosen for example shown in Fig. 1 is providing one or more of product or clothes according to request Invoice is input in Fig. 1 and Fig. 4 computing system 120 after business.Computing system 120 sends the invoice to Fig. 1 first hand Company 153A.On invoice, it may choose whether only can just its identity be identified by the first company 153A ID.

In next square frame 415, the first company 153A one or more business operation users 230 are using calculating 120 pairs of invoices of system are examined, and business operation user 230 sees Fig. 4.

In next square frame 420, one or more Finance users 232 of the first company 153A in Fig. 1 utilize meter Calculation system 120 is examined to invoice, and Finance users 232 are shown in Fig. 4.

In square frame 425, computing system 120 indicates what first hand bank 133A offered the fund freezed or retained Total amount is put out from first corporation account 222 to be come and transfers accounts into second corporation account 226, first hand bank 133A See Fig. 1 and Fig. 4, Fig. 4 sees in first corporation account 222, second corporation account 226.

Then, method 400 is terminated.

Therefore, Fig. 6 method 300 and Fig. 7 method 400 perform bid and payment flow simultaneously, in the flow, meter Calculation system 120 requires that associated bank is freezed before delivered product or service to the total amount that fund is offered.Then handing over Pay after product and/or service, carry out invoice processing and approval work.Finally, the funds release freezed is come out and pays phase Using family.

What Fig. 8 method 500 was performed is the flow purchased using computing system 120, Fig. 9 execution of method 600 It is the flow paid the bill using computing system 120.For purposes of illustration only, the first company 153A and individual IND2 that pass through Fig. 1 The mode of execution method 500 and method 600 is illustrated.

Referring to Fig. 8, in first square frame 510, Fig. 4 business operation user 230 is by product and/or Service Description and each Item relative costs are input in computing system 120.

In square frame 515, personal IND2 checks the explanation shown by computing system 120.

In square frame 520, personal IND2 shows to purchase the meaning of one or more of product or service by computing system 120 Scheme, then computing system 120 sends a notice to the first company 153A.In the notification, it may choose whether only by specifying Just its identity can be identified for ID to personal IND2.

In choice box 525,230 pairs of this buyings of business operation user are examined.

Then, in square frame 530, the instruction of computing system 120 Fig. 1 and Fig. 4 second bank 133B or second to Fig. 4 Procurement price in individual personal account 228 is freezed or retained, to ensure to pay related fund to the first company 153A, or Procurement price is transferred accounts to Fig. 4 first corporation account 222 from Fig. 4 second personal account 228.

In square frame 535, the state of individual IND2 buyings and/or payment is notified.Then, method 500 is terminated.In method After 500 terminate, first company's 153A delivered products and/or fulfillment service.

As described above, Fig. 9 execution of method 600 is payment process.Pass through meter referring to Figure 61 0, the first company 153A Calculation system 120 sends invoice to personal IND2.On invoice, the ID only by being assigned to personal IND2 may choose whether Its identity can be just identified or only its identity can be just identified by the first company 153A ID.

In next square frame 615, personal IND2 is audited to the invoice shown by computing system 120, and to being The no payment invoice amount that carries out is ratified.

In block 620, computing system 120 indicates second bank 133B by invoice amount from Fig. 4 second individual Account 228 is transferred accounts to Fig. 4 first corporation account 222.If method 600 is performed after method 500, and in square frame 530 Bank 133B freezes or has retained corresponding fund, then in block 620, and computing system 120 will indicate second bank 133B The fund i.e. invoice total freezed or retained is provided, and by invoice amount from Fig. 4 second personal account 228 Transfer accounts to Fig. 4 first corporation account 222.

Then, in square frame 625, individual IND2 or the first company 153A is notified to have been carried out transferring accounts.Then, method 600 terminate.

Therefore, Fig. 1 user 110 can be paid by the method 300,400,500 and 600 shown in Fig. 6 to Fig. 9 respectively Money, reception fund are inquired the price to other registered users all over the world.It may choose whether only by using correlation use The ID at family and perform all these functions.The amount of money for paying quotation is ensure that, because computing system 120 indicates silver automatically Row 132 carry out freezing of funds, and provide product or service after carry out fund granting.Bank 132 is to different bank 132 or state Net account payable between family carries out cross charging.It may choose whether only to be transferred accounts and paid the bill by using the ID of payee Transferred accounts including the world.So, with previously needing bank's international code, account or International Banks account hereinafter referred to as The method of " IBAN " is compared, and this transfer account method is just simply too much.First user may be selected by using second user's ID carries out the buying of product or service, but precondition is that second user have approved this procurement plan for example using meter Calculate device 162.

When user 110 is purchased by using computing system 120, the record one or more of computing system 120 is following Information, and the information is associated with the related account in computing system 120：

1. search for the standard for asking to be identified to related bid；

2. search result；

3. the details in request for quote；

4. the user for request of submitting a quotation；

5. the user beyond flow of offering；

6. the quotation received；

7. the details related to the quotation chosen, including selection quotation user and the selection is ratified User；

8. the invoice received；

9. the user that pair invoice is ratified.

The user associated with information can be searched and be checked to the information recorded by computing system 120.

Business operation user

Referring to Fig. 4, business operation user 230 and business operation user 250 be each responsible for Fig. 1 the first company 153A and Second company 153B core business activity.Therefore, the function difference of business operation user 230 and business operation user 250 Depending on the first company 153A and the second company 153B core business.For brevity, hereafter to business operation user 250 function is set forth.But what substantially, business operation user 230 performed is the class related to the first company 153A Like function.

Referring to Fig. 1, product and/or Service Description that Fig. 4 people's business operation user 250 provides the second company 153B With by the second company 153B be supplied in system 100 product of other users 110 or the relative costs of service together input or Upload in computing system 120.The grade product and/or service are presented to other users 110 in system 100 by computing system 120 Such as entity 150 or individual 160.Business operation user 250 receives the request for these products and/or service, and is providing production Buyer such as the first company 153A is issued invoice after product or service.

Business operation user 250 can be to the customer table in Fig. 1 database 126 or data such as academic institution student, boat The lists such as empty company passenger, all kinds of business clients are managed.

Business operation user 250 can receive request for quote, and input the corresponding bid amount of grade request.Business operation is used Family 250 potentially includes a procurement team, is responsible for the second company 153B buying specially.Therefore, business operation user 250 can Quotation is asked to other users or is inquired the price.

Other users may be selected in business operation user 250, but other users must confirm that certain event has been completed, such as in hair Make loans and completed ownership transfer before item.For example, when purchasing property such as house property, both parties may be selected one or more Lawyer, the grade lawyer carries out the granting of related fund after ownership transfer using computing system 120.User also may be selected one The assets that the individual for selling assets is held are confirmed by background check company.So, by using computing system 120, background check company confirms to ownership first, and then lawyer enters before related fund is provided to ownership transfer Row confirms.Afterwards, buyer or other progress to related governmental departments application can be purchased to this by using computing system 120 Register or put on record.

Business operation user 250 can provide different delivery service options.Therefore, user can be by using computing system 120 are done shopping, are paid now, and require to deliver the project purchased such as property, food.

Business operation user 250 may include security personnel.When the grade business operation user is for example in exit, to buying thing When product are checked, the project in database 126 for example can be recorded by computing system 120 to nearest project of having purchased, entered Row is checked.So, receipt need not be just printed, because user shows electronic receipt on such as mobile phone of computing device 162.Protect Peace personnel can check these electronic receipts on the mobile device such as tablet personal computer of computing device 162 or company.

Finance users

Referring to Fig. 4, Finance users 132 and 252 are generally responsible for fund distributing to other corporate departments and user such as industry Business operation user, HR user and management user, ratify to the quotation that these users are chosen, and in bank 133A and 133B Payment is ratified before granting fund.For brevity, the function hereafter only to Finance users 252 is set forth.But wealth Be engaged in the execution of user 232 is the substantial similar function related to the first company 153A.

Fund is directly stored in second bank 133B or applies for short-term or long from second bank 133B by Finance users 252 Phase provides a loan.Finance users 252 by fund before second bank 133B is stored in, it may be determined that the second company 153B other point of public affairs Whether department needs any fund.

Finance users 252 can also exercise the function of auditor's audit.It is illustrated by non-limiting example, Finance users 252 can exercise auditorial function, such as using the label for posting " auditor's label ".From the label, Finance users 252 can It will check that authority is assigned to one or more auditors.These authorities allow auditor couple and second corporation account 226 or public affairs Information associated department account 170B is checked.Finance users 252 can add auditorial e-mail address, computing system 120 by log-on message address such as sending to this password.Auditor can be signed in in computing system 120 using log-on message, Information is checked, the report on corporation account 226 and corporation account 170B is then generated.

Finance users 252 can also input the e-mail address of Audit Manager.Audit Manager can be for example every in certain time Receive the movable relative recording that auditor is carried out in month, for example auditor when login system, checked which information, life Into which report etc..For government department, Audit Manager may be auditor-general or other similar personnel.

Manage user

Management user 234 and management user 254 are each responsible for the first company 153A and the second company 153B administration Activity, such as reservation application.For brevity, hereafter only the function for managing user 254 is set forth.But management is used What family 234 was performed is the substantial similar function related to the first company 153A.

Be illustrated by non-limiting example, management user 254 receive from employee such as user 250,252,254 and 256 predetermined air tickets, predetermined hotel, Courier Service and the request applied for a visa.Management user 254 may search for these request phases The price of pass.Manage optional one of user 254 specific predetermined, then the predetermined case be delivered at Finance users 252, With issued for approval.

Management user 234 and management user 254 can perform the partial content of the method 900 shown in Figure 12, and Details as Follows.

HR user

Referring to Fig. 4, HR user 236 and HR user 256 respectively by the personal employee for being added to company 153A and company 153B, Employee 240 for example shown in Fig. 5.The flow is that every employee creates a record on Fig. 1 database 126, and by employee Employer's interconnection with him is got up.For brevity, the function hereafter only to HR user 236 is set forth.But HR user 256 holds Capable is the substantial similar function related to the second company 153B.

The wage of the payable employee of HR user 236, but need to be through business operation user 230 and Finance users 232 approval.HR User 236 is managed to the number of days of asking for leave of employee, and is paid after the approval of Finance users 232 to employee for number of days of asking for leave Wage.HR user 236 can be in Fig. 1 database 126 to asking for leave table or database is safeguarded, the person of have recorded of database 126 Number of days, the number of days asked for leave and the remaining number of days that can be asked for leave that work 240 can ask for leave every year.

HR user 236, can be to employee when the respective request sent to other users by computing system 120 is responded Employment state and wage or income confirmed.For example, when employee applies for a visa, visa agencies or computing system 120 users can send one to HR user 236 by computing system 120 and require to confirm the employment state and income of employee Request.The confirmation request such as this can be transmitted in any use of computing system 120 per family.HR user 236 can receive public by background check The requirement that department sends provides the request of the employment certificate of previous employee.

Employee

Referring to Fig. 5, first corporation account 222 and employee 240 are contacted or associated by HR user 236.Employee 240 exists Be listed in database 126 be the first company 153A employee, product can be proposed by using first corporation account 222 And/or the request of service.For example, employee 240 it is proposed that be the request of predetermined air ticket of going on business, can submit the Shen for handling business visa Please etc..Apply in addition, employee 240 can also be submitted by using computing system 120.First company 153A passes through computing system 120 pay the wage of employee 240 and other funds.Therefore, after personal IND2 is added to Fig. 5 employee 240 by HR user 236, Personal IND2 computing system 120 can be used to get wage and submit application.

Illustrated with an example, referring to Fig. 4, Fig. 1 personal IND2 is probably Fig. 1 the first company 153A member Work 240, employee 240 sees Fig. 5.Every employee 240 has two accounts, such as second personal account 228 of personal account With such as employee corporation account 268 of an employee corporation account.Personal account can be used for purchase personal belongings, and employee company account Family is then used for the reimbursement application for handling company's matters and proposing to pay for business.Illustrated by non-restrictive example, it is personal IND2 can be submitted by employee corporation account 268 applies for that business visa, predetermined air ticket, predetermined hotel and express delivery take for going on business The request of business.

Can be different departments by Fig. 5 240 points of employee according to job function.Same Email can be used in employee 240 With such as second personal account 228 of its personal account of password login or such as employee corporation account 268 of employee corporation account.When When personal IND2 logs in second personal account 228, the fund in second personal account can be used in personal IND2, can search for report Valency, also payable personnel expense money.

Visa agencies example

Fig. 1 one or more entities 150 are probably government's visa agencies.For example, the second company 153B It is probably government's visa agencies, computing system 120 at least performs the part flow of visa application.Business operation user Visa type related description and phase dutiable value can be input to meter by 250 by using the square frame 510 in the method 500 shown in Fig. 8 In calculation system 120.

Applicant such as individual IND1 can illustrate square frame 515 by checking, and input the visa type application handled in advance Mode proposes visa application, square frame 520.When 160 such as individual IND1 of individual propose visa application, personal IND1 need to upload phase File is closed, the ID of other users 110 can be also inputted, the direct confirmation made with other users 110 to be referred to.

Business operation user 250 receives the square frame 525 in personal IND1 visa application, method 500.Business operation user 250 can be examined and be screened to applicant, and the reservation on biometry can be received by computing system 120.Second Company 153B can receive the bank statement that the bank 132 selected by personal IND1 directly transmits, by individual by computing system 120 The income that the HR user of the employment state that people IND1 employer sends and the employer subordinate by personal IND1 directly transmit is proved. Illustrated again by another example, the second company 153B can be by computing system 120) to other users 110 for example when The assets of personal IND1 known to ground government department, title deed for land office etc. are confirmed.Therefore, it is using calculating in personal IND1 When system 120 proposes visa application, official seal of the bank statement submitted without being capped bank 133A again.

Business operation user 250 receives visa application in square frame 525.If before visa is provided, national requirements is personal The fund with certain amount of money need to be ensured, then in square frame 530, computing system 120 indicates first hand bank 133A to grade gold The fund of volume is freezed, and this of bank operates the part belonged in visa application flow.Then, in square frame 535, lead to Know that applicant has accepted applications and/or frozen fund.In visa application flow, the part of method 400 at least can also carry out Content.For example, computing system 120 may indicate that first hand bank 133A thaws after for example being left the country in the defined time to fund Square frame 725 in method 400.

Academic institution's example

Fig. 1 one or more entities 150 are probably an academic institution.For example, the first company 153A is probably one Academic institution of family, business operation user 230 can be by using the square frame 510 in the method 500 shown in Fig. 8 by the academic institution Teaching programme and its charge description are input in computing system 120.Wish that the user 110 for participating in teaching programme can check explanation side Frame 515, then shows to participate in the hope of teaching programme or input application square frame 520.In choice box 525, business operation user 230 can receive application by computing system 120, and participate in the screening to applicant.

First company 153A can be by using saying for being provided by government's visa agencies such as the second company 153B The bright expense that student visa is handled to International Students ' is offered.After student's agreement is obtained, the second company 153B can pass through Computing system 120 directly obtains information, such as student enrollment notice from academic institution such as the first company 153A.

The direct confirmation that other users 110 can be made by computing system 120 from academic institution's acquisition for student.

As described above, individual 160 can apply for academic institution by computing system 120.Academic institution can retain all pass through Application and screening criteria that computing system 120 is submitted.When student applies, the ID of guardian or guarantor can be inputted.Learn The raw mode being connected with academic institution and the company mode that is connected with employee are identical.

Some user 110 such as guardian or guarantor, the ID that can be used User related to student's numbering The ID related to academic institution pays User in the expense of academic institution and other costs.

Business operation user 230 can receive the requirement sent by third party's such as background check entity to students or elder generation The request that the academic situation of preceding student is confirmed.Grade request is responded, business operation user 230 is being obtained in school After raw or previously student agreement academic situation confirmation form is sent to third party.If student wishes to receive by computing system 120 To achievement, business operation user 230 can announce the achievement of student by computing system 120, such as fraction, total marks of the examination.Learn Life also can allow other users to check achievement such as guardian, guarantor.

Airline's example

Fig. 1 one or more entities 150 are probably an airline.For example, the first company 153A is probably one Airline of family.Business operation user 230 can list flight and corresponding by using the square frame 510 in the method 500 shown in Fig. 8 Admission fee, can also be managed to reservation.Business operation user 230 can upload for example no-fly list of personnel at risk's list, and And prevent the predetermined air ticket of grade personnel.The list also for example can be all the other users 110 of airline with other affiliates It is shared.Business operation user 230 can upload a canteen sold by airline and the inventory of other articles.

Personal 160 information by reference to being inputted by business operation user 230, using computing system 120 carry out one or Multinomial following operation：

1. predetermined air ticket；

2. pair canteen type, seat, registered luggage or personal luggage etc. are selected；

3. pay luggage expense；

4. select other people receive computing system 120 to Flight Information such as check-in information, take off, land, prolong The fresh information of the information such as mistake, for example one or more users 110 of other people, such as household, hotel and friend；

5. the product in flight a few days ago purchase machine；

6. in-flight magazine is read before flight.

When for example individual IND2 buys product on one or more of machine to user 110 before flight, in personal IND2 accounts It will be frozen, the amount of money is provided when personal IND2 checks in for the corresponding amount of money of the product then. Personal IND2 can receive the product aboard.

Supermarket's example

Fig. 1 one or more entities 150 are probably a supermarket.Surpass for example, the first company 153A is probably one City.Business operation user 230 can list the description of product by using the square frame 510 in the method 500 shown in Fig. 8 and product is corresponding Price.Customer such as individual IND2 can be by checking explanation square frame 515 and showing to purchase the hope of one or more of grocery That is mode food order groceries of square frame 520.In choice box 525, business operation user 230 can receive and receive this and adopt Purchase.Business operation user 230 also can issue bill to customer.Then in square frame 530, computing system 120 indicates personal IND2 The bank 133B of selection transfers accounts fund to first corporation account 170A from second personal account 172B.Finally in square frame In 535, notify that individual IND2 has completed buying and/or fund is transferred accounts.

Mobile network service supplier example

Referring to Fig. 1, Fig. 1 one or more entities 150 are probably a mobile network service supplier.For example, first Company 153A is probably a mobile network service supplier.Individual 160, which includes business operation user 230, can rely on by meter Visa and gone on a journey by the predetermined air ticket of computing system 120 that calculation system 120 is received.

In addition, individual 160 can carry out the application of client identification module, client's identification before leaving by computing system 120 Module hereinafter referred to as " SIM " is blocked.Individual 160 can be pointed to the service of airport of destination before departure by computing system 120 Supplier scans for, and applies for SIM card.Individual 160 can specify the size of SIM card, such as Nano-SIM cards, Micro-SIM Card etc..After individual 160 files a request, computing system 120 soon takes off expense or the SIM card charge of SIM card, and individual can shift to an earlier date A mobile number is received, individual may be notified that this number of other users.Individual can be bought before flight by computing system 120 Packet, when individual checks in, computing system 120 takes off the corresponding expense of packet.One arrives at airport, and individual shows Passport just can obtain SIM card.It is personal also to buy clothes by the Pay Bill of computing system 120 and from Information Mobile Service suppliers Business.

Health care institution's example

Fig. 1 one or more entities 150 are probably a such as hospital of health care institution.For example, the first company 153A is probably a health care institution.Business operation user 230 can be by using the square frame in the method 500 shown in Fig. 8 510 pairs of inputs are uploaded for by hospital's service such as physical examination provided, the explanation vaccinated.User 110 can be by checking The explanation of square frame 515 and show preengage hope square frame 520 mode arrange reservation.Entity 150 can be by using computing system 120 be the prevocational physical examination of its Staffing and the reservation vaccinated.Individual 160 can be individual by using computing system 120 People's consulting arranges reservation.

Illustrated by an example, personal IND2 can be shown that the hope of reservation.In square frame 530, computing system 120 Indicate that second bank 133B that individual IND2 is selected freezes fund enough in second personal account 172B, to guarantee Corresponding subscription price is paid to use.In square frame 535, individual IND2 is notified to arrange reservation and/or fund frozen.

Meanwhile, also at least perform the partial content of the method 400 shown in Fig. 7.For example, computing system 120 may indicate that Two bank 133B thaw after reservation terminates to corresponding fund, the square frame 425 in method 400.Then, computing system 120 transfer accounts the fund of defrosting to the first company 153A first corporation account 170A.

Computing system 120 can be used to check whether can also come progress of going to a doctor to patient to subscription time table for doctor Confirm.Once completing to confirm, the selection of the progress inspection project of computing system 120 can be used in doctor.Personal IND2 can view this A little inspection projects and its total cost.Computing system 120 can be used to provide the inspection project such as this but expense to other for personal IND2 Relatively low health care institution or medical centre scans for.When completing to check, individual is notified by computing system 120 IND2。

Health care institution can be connected by computing system 120 with health insurance company, and computing system 120 allows Personal or patient scans for the health care institution or medical centre that receive its medical insurance.For example, user will can calculate The ID that system 120 is specified is input to the health insurance company of user, and to receiving the health care machine of related medical insurance Structure or medical centre are scanned for.When a reservation is scheduled in personal IND2, the first company 153A business operation user 230 can check to personal IND2 medical insurance coverage and maximum protection amount.Then when business operation user 230 is to individual When IND2 issues bill, the amount of money in insurance company's insurance coverage can be only issued.The online amount of money to issuing of personal IND2 and carry The service of confession is confirmed.Therefore, personal IND1 or the first company 153A, which need not be submitted or filled in, for example hand-written fills in application Table.Meanwhile, personal IND2 can obtain the receipt of all electronic versions by second personal account 228.

Government bodies or department's example

Fig. 1 one or more entities 150 are probably government bodies or department.For example, the first company 153A is probably Government bodies or department.Business operation user 230 can list service by using the square frame 510 in the method 500 shown in Fig. 8 And/or product, explanation and relative costs such as licensing, fine, license.160 such as individual IND1 of individual can be looked into See square frame 515 and show the hope of buying one or many services or product, square frame 520.Personal IND1 also can be to another user Such as bank submits related request or reference, and the user such as bank will provide to the first company 153A directly to be confirmed.In choosing Select in frame 525, business operation user 230 can receive and receive this buying.Then, in square frame 530, computing system 120 refers to Show that the bank 133A that personal IND1 is selected transfers accounts fund to first corporation account 170A from first personal's account 172A.Most Afterwards, in square frame 535, individual IND1 is notified to complete buying, fund and transferred accounts.

Business operation user 230 can upload police's staff list interested such as wanted criminal, bail personnel out.Preventing should Deng the predetermined air ticket of personnel, even if individual IND1 has the right progress, the grade makes a reservation for.

Office of local government example

Fig. 1 one or more entities 150 are probably office of local government or department.For example, the first company 153A can Can be office of local government or department.Business operation user 230 can be defeated by using the square frame 610 in the method 600 shown in Fig. 9 Enter and send to such as individual IND2 of user 110 bill or invoice.In square frame 615, personal IND2 is examined to invoice, with Just pay the bill.Then, in block 620, invoice amount is transferred accounts to first corporation account from second personal account 172B 170A.Finally, the first company 153A and/or individual IND2 is notified to complete to transfer accounts.

Personal IND2 can be in ID all over the world by using the first company 153A and account such as Utilities Electric Co. The account of individual is assigned to, is paid immediately according to invoice amount., can immediate payment its electricity for example, personal be located at Singapore Take or replace someone's immediate payment electricity charge positioned at the U.S..

Illustrated by another non-limiting example, the usable computing system 120 of individual pays parking fee, rather than Expense is paid to parking meter.Referring to Fig. 8, Fig. 4 business operation user 230 can be by using the square frame 510 in method 500 List parking spot and its related parking fee.The parking spot of the personal estimated parking of IND2 search is for example by referring to square frame 515 In explanation, and show rent the parking spot hope square frame 520.Personal IND2 also can be to that will be parked in the vehicle of the position It is identified or computing system 120 has obtained the information of the vehicle.Then, in square frame 530, computing system 120 is indicated The bank 133B that personal IND2 is selected transfers accounts fund to first corporation account 170A from second personal account 172B.Most Afterwards, in square frame 535, notify that individual IND2 has completed this buying and/or fund is transferred accounts.

Figure 10 is the flow chart of method for expressing 700.In first square frame 710, first corporation account 170A receives individual The parking fee that people IND2 is paid for the parking stall of selection.In Method Of Accomplishment 500 after the content of square frame 530, the first company 153A receives parking fee.Thus, the requirement in square frame 710 is met.

In next square frame 715, software 124 is the software that computing system 120 is performed, and database 126 is updated. The portion that is stored with database 126 has paid the inventory of the vehicle such as automobile of parking fee in special time.

In block 720, the identifier of particular vehicle such as license plate number is input in computing system 120 by law enforcement policeman, Then software 124 carries out the inquiry of the identifier in database 126.

In determining at frame 725, computing system 120 determines whether to pay parking fee for vehicle.If vehicle is in database 126 have shown, then it represents that pay parking fee for the vehicle.When computing system 120 determines to pay parking fee for vehicle When, the decision in determining at frame 725 is then "Yes"；Otherwise, it is determined as "No" in determining at frame 725.

When being determined as "Yes", method 700 is terminated in determining at frame 725；Otherwise, in square frame 730, law enforcement policeman then opens Has park-ing ticket.Then, method 700 is terminated.

Therefore, as described above, individual IND2 need not pay parking fee to parking meter again, need not print receipt or show Receipt on car on such as instrument board or vehicle window, just payable parking fee.

Hotel's example

Fig. 1 one or more entities 150 are probably a hotel.For example, the first company 153A is probably a wine Shop.Business operation user 230 can input or upload guest room, meals, wine by using the square frame 510 in the method 500 shown in Fig. 8 Water and/or other prices, and these prices are to the visual square frame of other users 515.

Personal IND2 can reserving hotel room square frame 520, while in square frame 530 in second personal account 172B freeze Tie room charge.Before reservation, individual 160 can check the room of its selection and the visual field in the room in advance.

Meanwhile, it at least can perform the method 400 shown in the Fig. 7 of part.For example：When expense is produced, computing system 120 can be notified In first hand bank 133A defrosting funds, the square frame 425 of method 400, such as：Room expense can be provided on the day of client moves in hotel With.Produce other fees such as food take, laundry fee etc. when, such expense can be collected；Method 600 can be used in first company 153A In square frame 610 to personal IND2 send out bill.Personal IND2 receives cost notifying and confirms to pay the bill by its computing device 163B, Square frame 615, such as：Pass through person identfication number code.If hotel is personal airline or the cooperation group of other airlines Companion, when any expense produced during hotel is lived in the payment of individual 160, its airline miles can be received automatically.

Business operation user 230 can be by computing system 120) to receive hotel client flight details and status information logical Know, if client is wished in this way, for example：Those require the client that hotel goes to the station to meet somebody on airport.Meter can be used in business operation user 230 Calculation system 120 is arranged an order according to class and grade according to employee work or task for it, such as：Keep a public place clean, do washing.

Bank's example

One or more of Fig. 1 entity 150 entity may be bank.For example：First company 153A may be silver OK.Business operation user 230 can input the available product of user 110 and/or service describing in computing system 120, such as provide a loan With investment option.Business operation user 230, which can receive confirmation request and be sent by computing system 120, to be confirmed.Through individual consent, Computing system 120 can be used to search for property both domestic and external and debt for business operation user 230.Business operation user 230 can provide The service of liquidating.

Business operation user 230 can audit the application of submission, for example：Loan application.Business operation user 230 input or on Pass the exchange rate that computing system 120 is used.

Recruit example

With reference to Fig. 6, during recruiter, method 300 can be used in Fig. 4 HR user 236.For example：When Fig. 1 the first company When 153A needs recruitment employee, in square frame 310 and 315, HR user 236 can provide request for quote to recruitment mechanism, and in side A recruitment mechanism is specified in frame 330-345.When recruitment mechanism inputs quotation in square frame 320 and 325, they can report fixation Price or the price taken comprising retention.If the first company 153A recruitment fair is retained within a period of time of agreement, Then retain the expense taken and paid for the first company 153A.

In square frame 350, select after quotation, if applicable, first hand bank 133A can freeze to retain expense and firm offer. When the first company 153A square frame 330-345 select include retain expense clause quotation when, specify the retention phase in retention take by Bank 133A holds.During this period, retain expense and obtain the interest rate specified for recruitment mechanism.First company 153A, recruitment mechanism, Apply for candidate by computing system 120 to confirm after application candidate's signed employment contract, provide and pay firm offer, scheme The square frame 425 of method 400 shown in 7.

Recruitment mechanism can search for application candidate in computing system 120.User 110 can register in computing system 120 For that can be searched and hunt for a job.Belong to the academic institution of the user of computing system 120 can announce can be checked by recruitment mechanism in the recent period finish The list of industry life.The list can only show student number, qualification and date of graduation.But, only provide and specify the recruitment mechanism of quotation can Search for the contact method applied for candidate and allow to check candidate.

Each recruitment mechanism can only contact the candidate of the predetermined quantity of each specified quotation.Once recruitment mechanism is determined should Engage candidate, recruitment mechanism can arranging candidate and the first company 153A HR user 236 interviewed, use computing system 120.Computing system 120 can be used to invite other related managers to have an interview for HR managers, meanwhile, invitee can select wherein One candidate.The interview record and feedback of invitee's input can be checked by corporate user's account 222.HR user 236 and/or other users can opposite examination attendance and application candidate selection confirmed, apply for candidate hereinafter referred to as For " selected candidate ".Selected candidate, must not be in computing system 120 such as 6 months at least in predetermined time range It is registered as to be searched and hunting for a job.

Once candidate is selected, and the method 800 shown in Figure 11 can be used to carry out background verification BV inspections for HR user 236. In first square frame 810, the agreement that HR user 236 obtains candidate by computing system 120 can carry out BV inspections.Connect down Come, in square frame 820, the application method 300 of HR user 236 selection BV companies carry out BV inspections.

Now, computing system 120 can be used to carry out BV inspections to candidate for BV companies.For example：BV companies can be to other User sends communication, including the request on background information.Other users include law enforcement agency can apply obtain previous conviction, Employing unit before one or more can apply for that employment certificate, one or more academic institutions can apply for schooling certificate Deng.

In square frame 830, HR user 236 receives the result of BV inspections by computing system 120.The result may be briefly It is bright by or it is unqualified.

After candidate is selected, the method 800 shown in Figure 11 can be used to select a medical centre to enter to practise medicine for HR user 236 Learn and check and/or arrange vaccine inoculation.First company 153A only can perform the allowed by law medical inspection of concerned countries.

In first square frame 810, HR user 236 obtains candidate on carrying out medical inspection by computing system 120 And/or the agreement of vaccine inoculation.Next, in square frame 820, the application method 300 of HR user 236 selection health care institution enters Row medical inspection and/or execution vaccine inoculation.

Now, application candidate reservation medical inspection and/or vaccine inoculation.HR user 236 can arrange to need to carry out periodically The employee of medical inspection, such as：Pilot.

In square frame 830, HR user 236 receives medical findings by computing system 120 and/or vaccine inoculation is true Recognize.The result, which may be briefly described, to be passed through or unqualified.

Computing system 120 can record one or more following message and by this information account related in computing system 120 Family is associated：

1. receive the application candidacy of interview, such as：User identity is demonstrate,proved；

2. by offering, the user chosen for each stage specifies recruitment mechanism, BV companies, health care institution etc.；

3.BV inspection results；

4. the medical inspection carried out and/or the result of inspection；

5. receive the related details of contract.

Employee asks example

As described above, computing system 120 can be used to submit request for Fig. 5 employee 240.For example：Employee 240 can submit commercial affairs Visa application, air ticket request, the predetermined hotel's request of commercial travel and guide service request.

Figure 12 is the flow chart that can be used for handling the method 900 of employee's request.For purposes of illustration only, method 900 will be with individual Illustrated exemplified by people IND2, in this example, IND2 is a member in the first company 153A employee 240.

In first square frame 910, personal IND2 submits request using employee corporation account 268 in computing system 120.

In next square frame 920, Fig. 4 management user 234 audits in computing system 120 and ratifies the request.Meter Calculation system 120 sends the approval to Fig. 4 Finance users 232.

In next square frame 940, Fig. 4 Finance users 232 are audited in computing system 120 and ratify the request.

In next square frame 950, Fig. 4 management user 234 is inquired about according to request in computing system 120.Example Such as：Management user 234 can inquire about air fare, hotel room etc..

In next square frame 960, Fig. 4 management user 234 takes action according to request.For example：Management user 234 can subscribe Flight, hotel room etc..Another non-limiting example, management user 234 can apply for a visa, employ guide service etc..

Laws and regulations example

See Fig. 1, respective government agencies are such as：To the department that to knit account 290A-290C related of the subgroup shown in Figure 13, it can calculate The different industries and department administered in system 120 according to this department list laws and regulations inventory.User 110 is such as：Company 153A And 153B, the inventory can be checked by being such as applicable.The information type example that department or section office can list is as follows：

A. the Ministry of Public Health can list the medical inspection that employment and/or visa need, and this information can link to medical centre portion Door.

B. immigration office can announce the type of visa, and this information can link to visa department.

C. Ministry of Labour can announce minimum wage, most short working time, most long working time, some employees such as assistant Form contract, associated companies can check the information.

D. government department can announce the license of company's needs.When company obtains these licenses, they can check each political affairs The record date of mansion department and the term of validity.Computing system 120 may also display the expense relevant with license, such as：More new charter takes With.In addition, during close to the term of validity, computing system 120 also can be transmitted and remind.

Close rule demo certificate

Computing system 120 can help to be confirmed whether the requirement for meeting laws and regulations.For example：Computing system 120 it is recordable or Store the certificate of competency.Computing system can obtain the certificate of competency by below scheme.For convenience of description, the process is with the first company 153A degree of performance is illustrated.First 153A Legal Affairs Depts of company leader such as general counsel, provide associated user law and/ Or regulation compliance, for example one or more business operations of associated user, finance, management and HR user 230-236.Associated user is true Recognize compliance, compliance is inputted in computing system.Then, the first company 153A board of directors can input in computing system 120 It is final to confirm.Therefore, using this process, the other certificate of competency of twin-stage can be obtained by computing system 120.

Limitation buying example

User 110 can set its account to limit some buyings because of some reasons, such as：Belonging to the user of a certain religion can limit Pork processed, beef or drinks article.Also some buyings can be limited for the reason for health.For example：Can to the user of nut allergies Its account is set to forbid any thing containing nut of buying.

Board of directors's example

See Fig. 4, Finance users 232 and 252 can set up the board of directors for company 153A and 153B.For example：Computing system 120 can Show the label of this purpose.For example：Wherein one of labeling requirement Fig. 1 individual 160 can be used to add for Finance users 232 The first company 153A board of directors.Above-mentioned individual is attended before the board of directors, and business operation user 230, management user 234 and HR are used Family 236 should confirm the request.Generally, will be included in the user including the first company 153A of the board of directors Legal Secretary and other Attend the related personnel of the board of directors.After the board of directors, it will view record input computing system 120 and in computing system 120 with its His directors shares the record.Member can be commented on record, and sender can enter edlin.After reaching an agreement, member Computing system 120 can be used to confirm that this is recorded as final entry.These records can only be shared by chairman.In addition, Computing system 120 can retain track record, and the user list of the minutes is shared in display.

Testament example

User 110 can write and put on record testament in related governmental departments, use computing system 120 and optional lawyer.It is individual People 160 can draft testament, and 120 pairs of testaments of computing system can be used to confirm for lawyer.That is listed on testament returns person ownership Property can list or store in computing system 120.When the ownership of property or any item changes, inheritor or by Computing system 120 can be used to notify individual for beneficial people, such as：Personal IND4 and/or the lawyer for representing individual.

Notice should indicate that to be needed to update testament because ownership changes.Another non-limiting example, be according to calculating The testament of the storage of system 120, if regulation beneficiary inherits a certain property and income people is discontented with pre- dating, when beneficiary is completely pre- During dating, computing system 120 can notify the beneficiary.

According to implementation detail, computing system 120 includes software 124 and optional database 126, it is possible to provide one or more excellent In the following advantage of prior art.

Computing system 120 can provide a kind of easily method, Anywhere only be entered in the world using unique ID Row is paid now.It is therefore not necessary to bank card, bank's international code or input other information, such as：Account, personal name etc..Pass through The fund provided at ATM (automatic teller machine), Web bank or bank further increases this convenience as cash.

Computing system 120 can be used for providing direct confirmation to user 110.For example：User 110 can obtain directly from related side Connect confirmation such as file.In addition, if necessary, computing system 120 can be used for the agreement for obtaining related side.For example：Visa mechanism or BV Computing system 120 can be used directly to obtain bank's flowing water from bank or directly obtain schooling certificate from university for company.Another is non- Crime of the computing system 120 directly to public security organ requesting query candidate personal user can be used in limitative examples, BV companies Record.The assets and/or debt of the inquiry user of computing system 120 can be used with the valency of progress in another non-limiting example, bank Value is assessed.The inquiry contract of computing system 120 can be used in another non-limiting example, bank, to confirm property or assets in purchase Ownership before buying.

Health care institution, such as：Computing system 120 can be used to be issued invoice to insurance company for hospital.

Computing system 120 can be used to apply for SIM card and/or selection other users before travelling for user 110, such as：Relatives and Friend receives Flight Information and/or state.Computing system 120 can be used to search for the commodity of neighbouring supermarket, to the rate of exchange for user 110 Lattice, bought and require commodity being sent to house.Computing system 120 can be used to pay parking fee for user 110, such as：Use movement Equipment.The ID of second entirely different user can be used to be bought from anywhere in the world for first user, nothing By second user where, as long as it is by the way that as confirmed on mobile device, this purchase is gone on any one computing device 162 For,

Computing system 120 can provide higher transparency, for example：User 110 can be in a transparent manner to other users Inquiry.The all or part of related personnel of user 110 can check the quotation received simultaneously, therefore any can not interfere report per capita Valency.NGO, such as：Possess government's primary account 280 or subgroup shown in Figure 13 and knit the government such as account 290A-290C account NGO can also use these functions.See Fig. 1, computing system 120, which retains, determines record, such as：Selection quotation, is available in the future Inquiry, which enhance transparency.Audit function helps improve transparency, system of accountability, while reducing corruption.

Computing system 120 can help to reduce cost.For example：Because user 110 can inquire the price in a transparent manner, they Cost can be reduced.Because user 110 have accumulated by computing system 120, the business transaction between different user is simpler Singly and/or easily, transferred accounts or transaction cost so can reduce, be that user 110 saves money.

Because most of transaction and related file can check that computing system is helped online by computing system 120 In the quantity of the paper document of reduction printing.User 110 can be by computing system 120 with the shared text of any other user such as company Part.For example：Visa or licensing mechanism can by the direct-on-line of computing system 120 from another user such as bank 132 it is any One bank obtains file.It is therefore not necessary to bank's flowing water that bank affixes one's seal is obtained, and bank's flowing water must be printed and covered first Chapter.Paper but also saving time were so not only saved.Another non-limiting example, when submitting claim to health insurance company, medical treatment Center is without printing and fill up a document such as medical centre receipt, claim form.Another non-limiting example, as institute above State, without printing parking fee receipt and placing it on car as on instrument board.

Computing system 120 can reduce the dependence to existing currency and coins, and this contributes to environmental protection.

Computing system 120 can assure the payment after product or service offering.Carried to international customers or unknown domestic customer One of challenge for product or service is exactly delivered product or the uncertainty of payment is received after servicing.Because computing system 120 The quotation that can reach and select for the method 300 shown in all use Fig. 6 provides guarantee of payment, and this uncertainty is no longer One challenge.Therefore, market can be expanded to outside border, and this will promote more preferable product quality, cheaper and/or supplier Income increase.

See Fig. 1, computing system 120 implements possible more preferable, more thorough BV processes, because BV companies can be through individual consent The previous conviction of domestic and/or global range is inquired about afterwards.The responsible investigation of company may be easier and/or cost is lower, because Computing system 120 can be used directly to be confirmed.Computing system 120 when thing user and/or associated user can Sharing Interests Related roster.For example：Airline and/or government bodies can share for example no-fly list of personal list for being considered as dangerous. Therefore, computing system 120 can help to protect personal security by providing safer control.

Payment process

Figure 15 is the flow chart for the payment process 1000 that computing system 120 is performed.Payment process 1000 can be used for any mesh Fund transfer accounts as：Purchase.Payment process 1000 is configured to perform local and international payment by user 110 of least cost.

See Fig. 1, as mentioned previously, user 110 holds the account of bank 132.For purposes of illustration only, seeing Figure 16, user 110 John John and mark Mark will be described as, while bank 132 will be described as including bank XXX, bank YYY and bank ZZZ.The computing device of John and mark are respectively 163E and 163F, and the device is similar substantially with Fig. 1 computing device 162, And be connected with computing system 120, such as：It is connected by the network 180 shown in Fig. 1.Computing device 163E and 163F execution side The executive mode of formula Figure 14 as described below computing device 12 is identical.

Bank XXX, bank YYY and bank ZZZ are International Banks, and its office is respectively positioned at the United Kingdom " Britain " The 1001UK-1003UK and 1001IN-1003IN positioned at India.Bank XXX, bank YYY and bank ZZZ of the John in Britain Account is respectively 1004X-1004Z；Mark is respectively 1006X- in the bank XXX, bank YYY and bank ZZZ of India account 1006Z.In computing system 120, every 110 users possess a unique user account, are stored under the account or linked To one or more bank accounts.For example：See Figure 16, the user account of John is 1008J, and software 124 as shown in Figure 1 is created , the account is connected with its account 1004X-1004Z in bank XXX, bank YYY and bank ZZZ；The user account of mark is 1008M, what software 124 as shown in Figure 1 was created, the account with its bank XXX, bank YYY and bank ZZZ account 1006X-1006Z is connected.

Payment process 1000 is illustrated by the example below, Figure 15 is seen.John wants to pass through its Britain account 1004X-1004Z One of transferred accounts 500 Indian Rupee (Re)s " R " to mark in India.The account 1004X-1004Z of John monetary unit is Britain's English Pound " ￡ ".In this example, having in John bank XXX account has 21 pounds in 50 pounds, bank YYY account, bank ZZZ's There are 23 pounds in account.Mark's account 1006X-1006Z monetary unit is Indian Rupee (Re).

See Figure 15, in first square frame 1010, computing system 120 receive user 110 just like：The instruction of John, shows Show that the user is wanted to another user 110 such as：Mark transfers accounts.

In square frame 1015, computing system 120 sends instruction, display input money transfer payee to computing device 163E Mark and input transfer amounts.Computing system 120 can show optional Payment Options list with Command Arithmetic Unit 163E.Separately After one non-limiting example, identification payee mark, computing system 120 can determine which country account mark possess. Because mark only has India's account and John only has Britain's account, it is international that computing system 120 can automatically determine progress Transfer accounts.In other words, when transferring accounts people and payee possesses same national any account, computing system 120 can determine automatically The fixed country that carries out transfers accounts.

On the other hand, when requestee and gathering possess the account of same country per capita, computing system 120 can be instructed Computing device 163E shows optional Payment Options list, and the list includes (1) locally or the country transfers accounts and (2) world is transferred accounts.Just For each Payment Options, in fact it could happen that following sub- option：(a) colleague is transferred accounts or (b) inter-bank is transferred accounts.

Or, John can select mode of transferring accounts according to tranaction costs, as described below.For being transferred accounts with regard to the world, if received Money people possesses multiple national accounts, while showing the input of payee country.Another non-limiting example, recognizes payee Afterwards, computing system 120 can show the list of account payee the country one belongs to Command Arithmetic Unit 163E.If payee only possesses one Individual national account, can automatically select the country.

In square frame 1020, computing system 120 receives user's selection, and mark is identified as payee and account by the selection It is transferred to 500 Indian Rupee (Re)s.Computing system 120 automatically determines the progress world and transferred accounts.Because mark only possesses India's account, Yue Hanwu India need to be identified as to payee the country one belongs to.But, for other payees, in square frame 1020, computing system 120 can be received Transferred accounts or the world is transferred accounts instructions to local, and when payee possesses the account of multiple many families, payee place can be recognized State.

In determining at frame 1025, computing system 120 determines that user such as John of display is local transfers accounts or the world is transferred accounts. Such as transferred accounts for the world, computing system 120 advances to square frame 1030.Such as locally to transfer accounts, computing system 120 advances to square frame 1035。

In square frame 1030, computing system 120 from associated bank such as：Bank XXX, bank YYY and bank ZZZ, which are obtained, to converge Rate.Transferred accounts due to the world and be related to different currency, different banks just buying and selling for involved currency may use different remittances Rate.For example：Lower Table A is bank XXX, bank YYY and bank ZZZ exchange rate example.These exchange rate are applied to the institute of All Countries There is branch.Afterwards, computing system 120 advances to square frame 1035.

Table A

Another non-limiting example, bank XXX, bank YYY and bank ZZZ can be by its exchange rate such as：From its parent company's account Family is uploaded to computing system 120.For example：The representational exchange rate that Table A is shown can be uploaded to computing system 120.

In square frame 1035, computing system 120 recognizes one group of candidate's paying bank and one group of candidate's gathering row, determines simultaneously With from candidate's paying bank account such as：John bank XXX account 1004X directly or by one of candidate's paying bank to each candidate The cost of the capable correlation of transferring accounts of gathering, such as：The service charge expense related to the exchange rate.In this example, the account 1004X of only John has Enough funds are transferred accounts 500 rupees to mark.Therefore, computing system 120 is only it needs to be determined that direct or logical from John's account 1004X The expense crossed needed for John's account 1004Y and account 1004Z transfer accounts to mark's account 1006X-1006Z.In other words, system is calculated System 120 determines the expense needed for being transferred accounts respectively to mark's account 1006X-1006Z from John's account 1004X.Therefore, this example In, bank XXX, bank YYY and bank ZZZ are candidate's paying bank and candidate's gathering row.Figure 17 is illustrated from John in bank The expense that XXX account 1004X is produced to mark's account 1006X-1006Z all possible paths transferred accounts and each path With.As shown in figure 17, can be from John bank XXX's before any one account transfer into mark's account 1006X-1006Z Account 1004X is transferred accounts to it in one of bank YYY or bank ZZZ account 1004Y and 1004Z respectively.

Computing system 120 can collect different service charges according to different modes of doing business.For example：Generally go together the clothes transferred accounts Business expense is more cheaper than the service charge that inter-bank is transferred accounts.Further, since the world, which is transferred accounts, is related to different currency, different bank is just involved The dealing of currency may use the different exchange rate.Therefore, Fig. 1 and Figure 16 user 110 expense that may to undertake two kinds different： (1) service charge, (2) dealing difference in exchange rate.

Table B

Table B is the international representative price transferred accounts of colleague.As mentioned previously, mark will receive 500 Lu of John's payment Than.B the first rows are shown in Table, for bank XXX, the exchange rate between rupee and dollar is 10 rupees convertible 1 dollar.Therefore, 500 Rupee can buy in 50 dollars, i.e.,：500/10=50 dollars, as shown in the row of following table the 3rd.For bank XXX, dollar and Britain The exchange rate between sterling exchanges 1 dollar or ￡ 0.65/USD for 0.65 pound.Therefore, 50 dollars can buy in 32.50 Britain sterling I.e.：$ 50*0.65=￡ 32.5, as shown in the row of table the 4th.

As mentioned previously, world needs of transferring accounts collect international transfer services expense.In this example, employ 3 pounds and consolidate Deposit volume.Therefore, the total cost needed for directly being transferred accounts from John's account 1004X to mark's account 1006X for 35.50 pounds i.e.：￡ 32.50+ ￡ 3=￡ 35.50, as shown in the row of table the 9th.

As mentioned previously, when account balance is not enough, transfer accounts when making up the gap, local transfer services expense may be collected. Because being transferred accounts 500 rupees from John's account 1004X to mark's account 1006X needs to spend 35.50 pounds and John's account There are 50 pounds in 1004X, so local transfer services take inapplicable.But, when obtaining fund from bank XXX, bank YYY and silver Row ZZZ can collect 1 pound of Flat Amount, be shown in Table the rows of B second and the third line.

Table C

Table C is the international representative price transferred accounts between two different banks.Again, John transfers accounts 500 rupees to mark. Table C the first rows are to be transferred accounts from John's account 1004X to mark's account 1006Y.The exchange rate of bank YYY rupees and dollar is 11 Rupee exchanges 1 dollar.Therefore, 500 rupees will buy in 45.45 dollars, i.e.,：500/11=$ 45.45, such as table the first row the 3rd are arranged It is shown.Bank XXX rupees and Britain sterling the exchange rate for 0.65 pound exchange 1 dollar, i.e.,：￡ 0.65/USD.Therefore, 45.45 Dollar will buy in 29.55 Britain sterling, i.e. $ 45.45*0.65=￡ 29.55, as shown in the row of table the first row the 4th.Similarly, see The rows of table C second, when being transferred accounts from John's account 1004X to mark's account 1006Z, the expense shown in the 4th row is 27.08 pounds, I.e.：500/12*0.65=￡ 27.08.

International transfer services expense is collected, service charge is percentage or Flat Amount.In this example, using 3 pounds of fixation The amount of money.Therefore, C the first rows are shown in Table, the total cost transferred accounts from John's account 1004X to mark's account 1006Y is 32.55 pounds, I.e.：￡ 29.55+ ￡ 3=￡ 32.55, as shown in the row of table the 9th.Similarly, the rows of C second are shown in Table, from John's account 1004X to horse The total cost that gram account 1006Z transfers accounts is 30.08 pounds, i.e.,：￡ 27.08+ ￡ 3=￡ 30.08, as shown in the row of table the 9th.

Again, when account balance is not enough, local transfer services expense may be collected, service charge is percentage or fixed gold Volume.Because transferring accounts 500 rupees of expenses needed less than 50 pounds from John's account 1004X to mark's account 1006Y or 1006Z, So local transfer services take inapplicable.But, from John bank XXX account 1004X to John's account 1004Y or When 1004Z transfers accounts, last four rows of C are shown in Table, 1 pound of Flat Amount can be collected.For example, John's account 1004Y is to mark's account Before the 1006Z progress world is transferred accounts, transfer accounts and make up the gap from John's account 1004X to account 1004Y, such as：￡ 28- ￡ 21+ ￡ 1= ￡ 8.

In square frame 1040, the Command Arithmetic Unit 163E of computing system 120 shows interface 1080 of transferring accounts, and sees Figure 18, the boundary Face includes the continuation button 1082 by respectively transfer accounts path, correlative charges and each path.In the example shown in Figure 18, according to expense Path is classified from low to high, so generally the least expensive path is shown first.Therefore, each row according to expense from low to high Arrangement.

The expense for all possible paths of being transferred accounts from John's account 1004X to mark, John's account are listed in interface 1080 of transferring accounts 1004X is identified as " Bank of England XXX " in figure 18.For example：The first row of interface 1080 of transferring accounts is shown by John's account 1004Y It is identified as that " Bank of England YYY " is identified as " India in figure 18 from John's account 1004X to mark's account 1006Z in figure 18 Bank ZZZ ", is transferred accounts.Second row shows not direct from John's account 1004X to mark's account 1006Z by intermediary bank Expense needed for transferring accounts.

User selects particular path by selecting as clicked on the continuation button 1082 by particular path.Computing system 120 is certainly It is dynamic to perform the local and/or world of transferring accounts for such as clicking selected path.

In general, the expense that the different bank world is transferred accounts is also different, and generally the least expensive path is typically from buying in remittance The minimum bank of rate is transferred accounts to selling rates highest bank, and buying rate is shown in Table the row of A the 3rd, selling rates Table A the 4th Row.Computing system 120 allows user to contrast after other payee banks to selling rates highest bank to be transferred accounts, as far as possible Ensure network minimal of transferring accounts.In addition, user is in the insufficient funds of the minimum bank of buying rate, before the world is transferred accounts, system is calculated System 120 shows user by path from another bank to the bank transfer and the correlative charges locally transferred accounts from, and locally transferring accounts can Local transfer services expense can be caused.

On the other hand, when user is locally transferred accounts, interface 1080 of transferring accounts only shows transfer services expense.Generally, locally Transferring accounts between colleague's account is less expensive, so being usually displayed on the first row.

In square frame 1045, computing system 120 receives selected path of transferring accounts.In this example, it is generally the least expensive that John selectes Path be shown in the first row of interface 1080 of transferring accounts.

Finally, in square frame 1050, the selected path that computing system is received using square frame 1045 is transferred accounts.Or, can To be verified in square frame 1050, movement of capital can be automatically performed or after associated verification program according to selected path.It is selected Transferring accounts for path is performed such as automatically by computing system 120：By clicking.Therefore, if user such as John have selected international turn Account or payment, transfer accounts and come into force.

Payment method

Figure 20 is the flow chart of method 1200, when being transferred accounts from first user to second user, computing system 120 executable square frames 1200.In first square frame 1210, first and/or second user input in computing system 120 Payment information.Therefore, in square frame 1210, computing system 120 receives payment information.Payment information potentially include the terms of payment, Product information, timetable etc..The monitoring trading of computing system 120 and information, to detect when to trigger the terms of payment.

Then, in optional determining at frame 1212, computing system 120 determines whether payment information has been obtained for confirming.Example Such as：If second user inputs payment information, first user may need to confirm the payment information.If payment information is obtained Confirmation is arrived, computing system 120 advances to square frame 1215.Otherwise, method 1200 is terminated.If optional determining at frame 1212 is saved Slightly, computing system 120 advances to square frame 1215 from square frame 1210.

In square frame 1215, the detection payment trigger event of computing system 120.For example：Second user can be in computing system Contract is inputted in 120 completely or partially to complete.Or, computing system 120 can automatic detection triggering payment transaction whether Through occurring.

In determining at frame 1220, computing system 120 decides whether to freeze money according to the terms of payment received in square frame 1210 Gold.

If computing system 120 determines frozen capital, in square frame 1225, computing system 120 suspends payment the amount of money.Or Person, computing system 120 can calculate Payment Amount in square frame 1225.In optional square frame 1230, computing system 120 receives The notice that two users or other approval user-pay conditions have been met.In optional square frame 1235, computing system 120 is sent really Recognize the request for whether having met the terms of payment.The request can be sent to first user or its other party.

In optional determining at frame 1240, computing system 120 decides whether to have been acknowledged by meeting the terms of payment.If unconfirmed Condition, computing system 120 advances to square frame 1250.Otherwise, computing system 120 advances to determining at frame 1260.In square frame 1230- In 1240 embodiments being omitted, after square frame 1225, computing system 120 directly continues to square frame 1260.

In square frame 1250, computing system 120 is given notice to second user.Or perform solution to disputes flow.It Afterwards, in determining at frame 1255, whether the determining method 1200 of computing system 120 has completed, such as：Without other triggering things in the terms of payment Part.If completing method 1200, method 1200 is terminated.Otherwise, when method 1200 is not completed, the side of returning to of computing system 120 Frame 1215 is to detect another trigger event.

If computing system 120 determines the not frozen capital in determining at frame 1220, computing system 120 advances to determining at frame 1260.In determining at frame 1260, computing system 120 decides whether from first user to second user-pay.For example, calculating System 120 can require to be confirmed before transferring accounts to second user, such as：Through first user.

If computing system 120 determines payment, in square frame 1270, computing system 120 performs first user to second Individual user-pay and it may be selected to notify that second user's fund is paid.Or, in square frame 1270, if necessary, calculate system System 120 can calculate Payment Amount before transferring accounts.Then, computing system 120 advances to determining at frame 1255.

If computing system 120 determines not pay the bill in determining at frame 1260, in square frame 1280, computing system 120 is taken One or more appropriate measures, such as：Notify second user.Then, computing system 120 advances to determining at frame 1255.

The tax

See Fig. 1, company 153A and 153B can register trade permit by computing system 120.Government entity 153C can make Confirm whether company 153A and 153B meet local requirement with computing system 120.Computing system 120 can show license term And other details.

See that Figure 19, government entity 153C possess government finance account 1100 in computing system 120, the account is linked to In second bank 133B government account 170C.In order to for example, the government entity 153C such as Ministry of Finance possesses and individual Taxation related to first hand corporate user 153A IND1 and/or tax executive organ.Figure 19 is additionally included in first hand bank 133A first personal's account 172A and first hand corporation account 170A.As described above, business operation user 230, finance User 232, management user 234 and HR user 236 may have access to first hand corporation account 222.Similarly, business operation user 1130th, Finance users 1132, management user 1134 and HR user 1136 may have access to government finance account 1100.As described above, Each users of 1130-1136 are registered in computing system 120.

Business operation user 1130 can handle one or several users 110, the tax that such as company 153A and 153B should be paid, Such as sale tax, income tax, value-added tax " VAT " and any other tax.Different industries could dictate that the different tax rates.The sale tax tax rate It can be the tax rate by the government entity 153C particular countries administered.These taxes should be paid to government account 170C, calculated Government finance account 1100 is expressed as in system 120.Government entity 153C may further specify that the import of some industries and/or product Tax.Associated user of these tax rates suitable for user 110.

Sale tax

Computing system 120 can be used for direct Sales Tax Collection and the amount of tax to be paid collected be stored in into government finance account 1100 In, so as to transfer accounts into government account 170C.One of Figure 20, company 153A business operation user 230 are seen in square frame 1210 The products ＆ services of first company 153A offers are provided in computing system 120.As described above, business operation user 1130 The sale tax tax rate and law can be inputted in computing system 120.These products ＆ services are from trend government finance account 1100 Pay the sale tax of the setting of business operation user 1130.On the other hand, such as fruit product need not pay sale tax or the first company 153A belongs to the industry for exempting from sale tax, and the first company 153A need not pay sale tax.But, this grade is tax-free come into force before, Ying Jing Government entity 153C business operation user 1130 is in line justification.

The automatic detection Figure 20 square frames 1215 of computing system 120 are merchandised payment time.Figure 20, bales catch are seen in square frame 1270 Directly pay the bill except sale tax percentage and to government finance account 1100, the account can transfer accounts the fund to government's account 170C.Transaction one is completed, and government entity 153C can dominate the deduction immediately.Figure 20, government entity are seen in square frame 1270 153C receives government tax fillings, record identification payment amount, the first company 153A, invoice number, receipt number.

Sometimes, in square frame 1225, fund may be merely deferred until after delivery.When there is such case, when both sides are true Recognize delivery Figure 20 determining at frame 1240, and during release frozen capital Figure 20 square frames 1270, bales catch is except sale tax and to government's wealth Political affairs account 1100 is paid the bill, and the account can transfer accounts the fund to government account 170C.

Another non-limiting example, what the addressable computing system 120 of Finance users 232 and 1132 was shown is labeled as " tax The label of business label ".Under the tax tag entry sale tax per transaction is shown for Finance users 232 and 1132.Tax label is also It can show that government tax fillings includes identification payment amount, the first company 153A, invoice number and receipt number.

Individual Income Tax

Individual Income Tax is paid and taken over using computing system 120.Square frame 1210 is shown in Figure 20 that one or more business are grasped Make user 1130 can set Individual Income Tax pay taxes grade and correlation the applicable tax rate, for example：$0-$10000->5%； 10001-20000->10% etc..The tax rate is applied to staff salary such as employee's witholding tax.

It is illustrated by non-limiting example, square frame 1210 is shown in Figure 20, HR user 236 and HR user 1136 can visit Ask " emolument option " that computing system 120 is shown.Emolument option will list employee's master list, and HR user 236 can upload or add Plus the payroll of employee.The tax rate uploaded using business operation user 1130 can calculate everyone expenses of taxation.

Pay personal emolument and belong to trigger event, Figure 20 is shown in by the detection of square frame 1215.In square frame 1270, as HR user 236 Obtained when paying emolument to employee after the approval of Finance users 232, income tax such as employee's witholding tax will be paid to political affairs by employee automatically Mansion account of treasury 1100, may be remitted to government account 170C.

If for example, individual IND1 is the first company 153A employee, Figure 20 is seen in square frame 1210, HR user 236 Personal IND1 payroll is uploaded or added to computing system 120, such as use tax label.Then, computing system 120 makes The tax rate uploaded with business operation user 1130 calculates the wage witholding tax amount of money that individual IND1 needs to pay.Square frame 1215 is shown in figure In 20, when the first company 153A HR user 236 pays emolument to personal IND1, computing system 120 can be detected.Return To Figure 20, being determined as in determining at frame 1220 is determined as "Yes" in "No", determining at frame 1260.Return Figure 19, square frame 1270 In see Figure 20, the wage witholding tax amount of money is directly paid to government's account of treasury 1100 by employee, may be remitted to government's account 170C。

Enterprise income tax

Enterprise income tax is paid and taken over using computing system 120.Government entity 153C estimates public affairs by selling percentage Take charge of profit.The corporate profit estimated is need to pay the amount of money of income tax.But, enterprise income tax is not paid automatically.Enterprise estimates profit Profit is only used for estimating sundry item.Another is estimated based on income and expense ratio, is determined according to real-time condition.

Property gains tax

Property gains tax is paid and taken over using computing system 120.As it was noted above, company 153A and company 153B can be Register, and confirmed by government entity 153C in computing system 120.Therefore government entity 153C can understand property and its institute The situation for the person of having.Such property and its owner can show or be listed under government entity 153C.

Company and individual can use computing system 120 to sell one or more property listed in computing system 120.Example Such as, square frame 1210 is shown in Figure 20, and owner can list assets for sale such as soil, house, vehicle etc. in computing system 120.When When user buys assets, Figure 20 is seen in square frame 1210, user provides assets payment to computing system 120 proves that sale such as is assisted View, payment voucher etc. are similar to be proved, identification paying bank and gathering are gone.Determining at frame 1212 is shown in Figure 20, bank include gathering row and Paying bank confirms trading situation by computing system 120.If lawyer, then lawyer also can see Figure 20 in determining at frame 1212 In, confirm to merchandise using computing system 120.Dealing money is classified as purchasing price by computing system 120.When new owner sells the thing During industry, computing system 120 will detect the payment trigger event that square frame 1215 is shown in Figure 20.

Computing system 120 will calculate the profit of selling property in Figure 20 square frame 1270 and impose for the profit The expenses of taxation.Computing system 120 can calculate the expenses of taxation after the inflationary implication during the time limit is held in exclusion based on actual profit.Figure 20's In square frame 1270, once completing ownership transfer, computing system 120 will pay the expenses of taxation from trend government account of treasury 1100, can Can be remitted to government account 170C).

Import duty

Import duty is paid and taken over using computing system 120.In Figure 20 square frame 1210, business operation user 1130 selects Applicable product, industry, field and similar information, then by the tax rate and rule input computing system 120.When user 110 is suitable When needing the project for paying import duty with the purchase of computing system 120, computing system 120 can be detected in Figure 20 square frame 1215 Payment trigger event.In square frame 1270, applicable import duty is added in product expense and the expenses of taxation are automatic by computing system 120 Pay to government's account of treasury 1100, may be remitted to government account 170C.

Value-added tax

Computing system 120 can also be used to paying and taking over value-added tax.Business operation user 230 can be defeated to computing system 120 Enter application, the first company 153A of addition is used as value-added tax company.Computing system 120 sends this request to business operation user 1130.Business operation user 1130 is checked and approved after the first company 153A, and the first company 153A will be registered in computing system 120 For a value-added tax company and value-added tax can be collected to the product of approval.

Computing system 120 can show net added value tax label to the Finance users 232 of the first company 153A value-added tax sellers.

Net added value tax label can be used to compare the value-added tax total value and other that the first company 153A takes over for Finance users 232 The value-added tax total value that registered value-added tax company collects to the first company 153A.For example, net added value tax label can show increasing It is worth tax net amount, first company's 153A amounts payable of display or amount receivable.Computing system 120 can provide the first company at any time The value-added tax net amount that 153A should be paid in real time.

Other expenses of taxation

Computing system 120 can also be used to pay and take over other expenses of taxation.For example, computing system 120 can for taking over and Pay airport tax.Square frame 1210 is shown in Figure 20, and government entity 153C when main national treasury can set individual to arrive in Hong Kong or depart from port as that should hand over Airport tax.When personal IND1 uses 120 book flight of computing system, computing system 120, which will be shown in square frame 1215 in Figure 20, to be examined Measure payment trigger event.In Figure 20 square frame 1270, for irrevocable air ticket, computing system 120 is automatic by airport tax branch Pay government entity 153C.Other kinds of air ticket will be after personal IND1 check-ins or more than the air ticket cancellation deadline by airport Tax is transferred accounts to government entity 153C, the square frame 1270 in Figure 20.

It is illustrated by another non-limiting example, computing system 120 can be used to take over and pay real estate tax.With Other expenses of taxation are the same, and square frame 1210 is shown in Figure 20, and government entity 153C such as state government, county government etc. can set real estate tax Rate.Computing system 120 can calculate the real estate tax that praedial user 110 is listed in computing system 120 automatically.Sell motionless During production, computing system 120 will be shown in Figure 20 in square frame 1215, detect payment trigger event., will be certainly in Figure 20 square frame 1270 It is dynamic to determine real estate profit on sales and pay taxes automatically to government's account of treasury 1100, may be remitted to government account 170C.

Surplus/deficit analysis

Computing system 120 can determine and show government entity 153C financial situation such as deficit or surplus.For example, calculating System 120 can be that business operation user 1130 and Finance users 1132 provide tax analyzing tags.Tax analyzing tags show political affairs Government's income that mansion entity 153C the is received such as expenses of taxation, government services expense etc., and government's branch that government entity 153C should be paid The financial obligations that goes out or should bear.

Government's income that tax analyzing tags are shown is potentially included following one or more：

1. sales transactions occur, in real time by Sales Tax direct payment to government's account of treasury 1100.

Even if 2. Individual Income Tax such as monthly or weekly pays actual tax, in order to be analyzed, computing system by the cycle 120 tax rates personal per hour that will be calculated the hour emolument of personal user and calculated based on hour emolument.

3. enterprise income tax will be determined according to the relatively low one kind of the amount of money in hereafter two schemes.The first string, root The stage is subtracted according to total revenue to have paid the result of total cost and calculate per hour/week or monthly profit.Second scheme is to utilize Profit situation is estimated in the known industry addition of income, so as to draw the income tax amount of tax to be paid.Because Computer Corp.'s profit has different schemes, By using the minimum scheme Computer Corp. income tax of profit margin, then analyzed.

4. other government taxes and income include visa application expense, license fee etc..

The Governmental Expenditure that tax analyzing tags are shown include expense that government entity 153C respective government agencies or office produce with And the emolument of government entity 153C employee.

This tax analyzing tags also show the analysis of government's income and expenditure.It is a certain that analysis includes calculating government entity 153C Net position surplus/deficit in period.Computing system 120 can show monthly, weekly, daily, it is even per second per hour Result of calculation.If analyzed in units of per hour, constant expense such as emolument and monthly rent will be carried out with number of days, hourage etc. Share.

Management

Computing system 120 can ensure that the membership dues of area and international body are collected.It is illustrated by non-limiting example, Regional mechanism such as European Union, the United Nations " UN ", Southern African Development Community " SADC ", Economic Community of West African States " ECOWAS " Deng allied organization.The member of such regional mechanism is included because all kinds of reasons add the country of such mechanism.These mechanisms need into Member state provides funds, and investment amount is generally basede on the percentage of GDP " GDP " or tax revenue.Computing system 120 can be according to machine What the cycle of structure selection ensured such membership dues pays situation.

For example, Figure 20 square frame 1210 is received after payment information, computing system 120 can be periodically as tactile in detected weekly Hair event.For example, regional mechanism may require that every member state pays a certain proportion of expenses of taxation weekly.

In Figure 20 square frame 1225, membership dues will freezed in real time weekly and converged to organization's account, the square frame in Figure 20 In 1270.Or, it would however also be possible to employ the GDP percentages of each member state.Calculate the GDP of each member state as weekly or monthly and according to Agreement cycle, mechanism and member state or other members consult, and freeze and provide the membership dues amount of money, freeze to see the square frame in Figure 20 1225, provide the square frame 1270 seen in Figure 20.

Figure 21 shows the exemplary matrix 1300 of a certain administrative area, and the square may be used when jurisdictional agency is maked decision Battle array.For example, matrix 1300 can be used to be square frame 1212 or Figure 20 offer proof of square frame 1240.Computing system 120 is various countries Matrix of the storage similar to matrix 1300.Law and/or constitution of the matrix of a state based on the state.Matrix 1300 can be set Count for some transaction.For example, matrix 1300 may be configured to some country's sale or purchase military weapon, contract value Reach contract, Current statutory exception item of certain level etc..This matrix be configured according to state's laws by different stage and Approval.

In matrix 1300,1 grade is government department or office.2 grades are premier/presidents.As requested, matrix 1300 also includes 3 Level and 4 grades.At 3 grades, parliament or witan will vote in computing system 120.If a certain action needs to obtain 4 grades batches Standard, then need to solicit the opinion such as general election of national citizen.Citizen according to its address be listed in each local governor/Congress/parliament into Under member.Citizen without house, by using its address registered in computing system 120 determine its which place senior officer/Congress/ Voted under parliament member.The general common people determine to can be used for determining whether that every member's ballot of requirement or common people's accumulated number will be used for Decide whether to proceed determining in matrix 1300 by the government.The participant of all ranks is to calculate under matrix 1300 The registered user of system 120.

Computing system 120 will be used to preferably manage public fund.Government entity 153C and other linked groups can be Position or minimum requirements are set in computing system 120, are such as responsible for the minimum emolument of some personnel for examining or supervising public fund.

For example, in Figure 20 square frame 1210, HR user 1136 can recognize progress public fund in computing system 120 The personnel of decision.In form or database that this category information is stored in database 126 shown in Fig. 1, such as government entity 153C And/or the related HR databases of other linked groups.

Most of in these users that money can be obtained when resigning from office, such as old-age pension, severance pay and other severance pays are used, May some be associated with Individual Performance in these expenses.Using such fund as severance pay pay user when, calculate system The trigger event that system 120 will detect such event and see as square frame 1215 in Figure 20.Tenure will use computing system 120 list or certain percentage or Flat Amount in blocked fund, the square frame 1225 seen in Figure 20.What is reserved will be by calculating system System 120 freezes or otherwise held.Freeze the amount of money and encouragement personnel are more preferably managed work.If reaching funds release Condition is the square frame 1230-1240 in Figure 20, and computing system 120, which can be provided, freezes the amount of money, the square frame 1270 seen in Figure 20.Example Such as, granting condition may require carrying out Independent Audit.Computing system 120 may require obtaining the committee when terminating in user's term of office Approval, the amount of money is freezed in approval granting after granting condition is reached.Therefore, severance pay can reach the expection work(for encouraging to improve performance Energy.

Computing system 120 can pay the bill for ensureing when the milestone decided through consultation is completed.It is intended to complete certain if user is same Paid the bill after one milestone decided through consultation, then computing system 120 should ensure the fund that should be paid in the stage before going into operation.Figure 20 Square frame 1210 in, one or both to computing system 120 provide following message：(1) contract total value；(2) milestone is described； (3) Percent Complete；(4) value of milestone.This type of information is reached an agreement and in computing system 120 in Figure 20 by both party Square frame 1212 confirms.After confirmation, both sides should confirm the on-stream time of milestone in computing system 120.

Time is confirmed the trigger event in the square frame 1215 as Figure 20.After between at the beginning of both sides' confirmation milestone, Computing system 120 so as to ensure in the square frame 1225 in payment, Figure 20, only completes the value for freezing the milestone in milestone And computing system 120 is obtained after the confirmation of two parties, the square frame 1230-1240 in Figure 20 just provides the amount of money of milestone.With Other isolated users such as quality testing company may be selected in family, using computing system 120 in Figure 20 square frame 1235 and 1240, really Recognize and whether complete a certain milestone.

Computing system 120 can be used for the payment for ensureing royalty or enforce royalty agreement.Two or more users 110 may reach an agreement, and one of user need to pay royalty to another user.For example, user 110 potentially includes and possesses business Target football club, company and the retailer of sale the said firm football shirt that one produces football shirt.Football club may be with Company possesses agreement, it is allowed to which the said firm, which produces and sold, to be printed on club and hold brand-name football jersey.The said firm passes through retailer Sell football shirt.Under this agreement, football club should obtain the part or the royalty amount of money of football shirt sale proceeds.Figure 20 square frame In 1210, football club will indicate the percentage amount of money that company need to pay in computing system 120.Figure 20 square frame 1212 In, computing system 120 needs the said firm to confirm the percentage.When football shirt retailer, which reaches, sells transaction, computing system 120 is certainly The dynamic football club for converging royalty percentage into square frame 1270.

Computing system 120 can be used to perform merit-based payment.Some personal users, such as project manager, possible basis Job performance bonus earned.After computing system 120 detects trigger event in Figure 20 square frame 1215, by related bilateral agreement The third party of selection confirms performance situation in square frame 1260.

Confirm after performance situation, the remittance abroad bonus in Figure 20 square frame 1270.

Computing system 120 can be used for distribution advertising income.Different pins are pressed according to the country of advertisement putting and market scale The tax rate is sold to levy taxes to advertising income.The basis of market measurement be probably in computing system 120 a certain product or brand it is previously actual Sales volume or income.For example computing system 120 may be to delivering a certain automobile brand advertisement charging $ 100.Computing system 120 exists The necessary information needed for firm sale tax is collected in Figure 20 square frame 1210.Computing system 120 can be in square frame 1215 periodically Such as annual detection trigger event simultaneously determines certain time period such as how many Related product had been sold in last year.The product of computing system 120 Ad sales example is as follows：China 30%, Britain 30% and the U.S. 40%.Assuming that the sale tax rate or other taxes of various countries are The 10% of ad revenue.Under this example, in Figure 20 square frame 1270, sale tax will be distributed automatically in proportion according to 3 and paid To Chinese Government.

Computing system 120 can be used for the product cost classification that displaying has confirmed that.When first user is at second user During application quotation, under the agreement of second user, first user can ask to provide the cost detailed catalogue after confirming.For example, Computing system 120 can be with utility service expense.Computing system 120 can determine average labour cost, and root according to payroll data Cost per hour is calculated according to average labour cost.Computing system 120, which can be provided, checks the classification choosing of quotation production cost detailed catalogue .The average labour cost or actual cost that detailed catalogue performs task personnel using identified in quotation are determined.It is such into This is confirmed by computing system 120.

Computing system 120 can be used for applying for a visa, including global general-use visa.For example, user can use computing system The 120 multiple national visas of application.

Computing system 120 will be collected the charges by request times to the user, and visa is carried out as related immigrant portion or consul The expense of pre-authentication work before approval.User can once apply for multiple national visas, or global batch visa.Global Link With visa user can be allowed to submit a visa application using computing system 120.Concerned countries are ratified after the visa application, use meter Calculation system 120, will be provided in the effective single visa of the country.In view of most of requirements of visa are all than relatively similar or uniformly, The proof that in most cases user submits is applied to multiple countries.For example, the statement after will confirm that is proved as income.Cause This, the statement after confirmation is applied to multiple countries, as long as multiple national requirements can once be met by submitting.User can save Save and repeatedly obtain bank and affix one's seal the expense of statement；Because the single expense of applying for a visa is fewer than the expense repeatedly separately applied for a visa, Therefore the administration fee collected by visa company can be reduced.

Computing system 120 can be used for the vaccine for directly confirming to be inoculated with.In computing system 120, the medical treatment each ratified There are a database, subregion and/or label, record related personnel and the feelings that the center is personnel's vaccine inoculation in center Condition.Database may also display vaccine expiration time.When vaccine expiration time closes on or be expired, computing system 120 can be to individual human hair Send prompting.There is vaccine requirement when being applied for a visa such as user, computing system 120 connects user is searched in the vaccine of all medical centres Plant information.If search result shows the vaccine for being inoculated with needs, computing system 120 will be submitted to related visa mechanism and had confirmed that Vaccine inoculation recording.Therefore, computing system 120 can use the validation of information directly obtained from the medical centre of government permission Vaccine situation.

Computing system 120 can be used for record and tracking assets ownership such as property right chain.For example, government entity 153C can remember Record the owner's equity of certain class assets, such as real estate, vehicle.When government entity 153C updates the property right chain of a certain assets, The new owner for substituting original owner is such as added, more new content will be confirmed by present owner and/or preceding owner in computing system 120.When Before, some assets are possibly used for the one or more loans of mortgage.The business operation user of associated bank can borrow guarantee The assets of money are added to computing system 120.The owner of such assets will confirm that the information, such money in computing system 120 Production will be listed as loan assets.Therefore, such assets can not be listed and sold, and its ownership can not be in computing system Changed in 120.At the same time, the owner of such assets can not use the assets to obtain other loans.

Amusement

User 110 can voluntarily be classified as show business member in computing system 120.It is referred to the user 110 of show business Following one or more classifications can be also subdivided into：

● performer；

● comedy；

● priest；

● musician；

● film, TV play and radio broadcasting；

● Visual Artist and photographer；

● writer；

● cook；

● DJ (" DJ ")；

● newpapers and periodicals, magazine, books；

● travel agent；

● florist；

● activity planning people；

● designer；

● gambling；

● place provides people etc..

For purposes of illustration only, individual IND1 and IND2 is shown in Fig. 1, show business member is classified as in computing system 120.It is personal IND1 and IND2 are shown in Fig. 1, can be divided into two-stage i.e. 1 grade, 2 grades.For ease of statement, personal IND1 is now classified as 1 grade, IND2 is classified as 2 grades.1 grade of the user other users that such as individual IND1 can be directly into computing system 120 provide product and/or service.And 2 grades User such as IND2, only can externally provide service by third party such as distribution company.

To be registered as 1 grade of user, user's relevant criterion as defined in IND1 must is fulfilled for computing system 120.It is different The standard that the user of classification need to meet is also different.For example, computing system 120 may require what musician possessed in social media Bean vermicelli quantity reaches that minimum standard, and/or offer associated documents prove that the song of its creation or the circulation of special edition reach some Minimum standard.

Computing system 120, which can give, each belongs to show business and in 1 grade of registered user such as IND1, distributes an account Such as first personal's account 224.As described above, this user such as IND1 any bank account such as first personal's account 172A will Can be associated with distribution account.In addition, the account must be in specific national registration.

Music

User 110 can upload the product of oneself in computing system 120.For example, musician can upload their song And/or special edition.After upload, these songs just can be listened to by computing system 120 as propagated and/or buying.But, dissimilarity During buyer's purchase song of matter, price is also different.Such as, personal buyer and a DJ buyer will be presented in purchase Different prices.If a user buys product such as music using user account in computing system 120 from other countries, calculate System 120 can use the sale tax rate of user account the country one belongs to.As described above, sale tax will be paid for related government Account such as government finance account 1100.

If user the country one belongs to does not collect income tax, the user, which pays, just can obtain whole incomes from sales after sale tax. Otherwise, if user the country one belongs to need to collect income tax, then the user, which pays, can only obtain pin by a certain percentage after sale tax Sell income.The amount of money of the ratio can be gone to user account such as first personal's account 224 by computing system 120 immediately, for thereafter It is continuous to use.User account the country one belongs to according to registered user is paid income tax by remaining amount of money.If for example, registered user exists U.S.'s login account, computing system 120 will be used in income tax rate as defined in the U.S..The income that need to be paid income tax includes using The income fund that family is obtained in proportion.User can choose one or more in user account needs the fund of net of income taxes, it Income Taxes Payable is calculated by computing system 120 afterwards and transferred accounts.

Concert-undertaker

Such as concert of the organization activity of computing system 120 can be used in musician and other on-the-spot demonstration persons, and monitoring is full of in real time Interest rate.This functional distribution can be given other people by 1 grade of user, such as their manager or activity planning people.There is this function, use Family or the manager specified or activity planning people can list the requirement to sponsoring the country one belongs to, such as place, hotel, airliner, safety, equipment In terms of rental.Once whole requirements is listed in computing system 120, computing system 120 will search for user can use choosing , such as hotel, place and correlative charges.Computing system 120 can be used to screen and subscribe one or more options for user. When selecting place, computing system 120 can show income information, including the open ended seating capacity in place.In addition, according to open ended Seating capacity, computing system 120 can also carry out being calculated and be shown can be produced by the related request of coverage system 120 expense most Low-priced tickets.With the sale of admission ticket, computing system 120 can automatically update and show net income or total income-cost.

Site activity-artist

Such as concert, performance in activity at the scene, computing system 120 can help performing artist to be drilled according to viewer profile adjustment Go out.For example, the spectators of concert simultaneously be also computing system 120 user, can use computing system 120 buy song and/ Or special edition.Meanwhile, computing system 120 can set up musical database for user, record going through for user's purchase song and/or special edition History.When user buys concert admission ticket, musician can just be obtained from the musical database of user the song that it once bought and/ Or album information.But, computing system 120 can't leak credit household's identity.For example, musician intend promote other not yet by During the song of spectators' purchase, these information can be used to help them to choose whether to sing the song that those users once bought.Meanwhile, User agree in the case of, computing system 120 can their birthday by information be provided to musician, be easy to musician on the day of to Bean vermicelli shows blessing.Birthday by information is obtained in the user profile that computing system 120 can be stored from Fig. 1 database 126.

A non-limiting example is lifted again, and computing system 120 can most be liked to spectators during the performance of DJ display scenes or activity The song or music type of love.But, computing system 120 will not leak viewer identity.Equally, if activity planning people invites meter The certain user of calculation system 120 participates in personal activity, and DJ can also obtain the favorite song row of invited user from computing system 120 Table.Certainly, computing system 120 equally will not leak invited user's identity to DJ.DJ can be authorized filing an application and obtain government Certificate after in computing system 120 login account.DJ needs to buy or rents a number of song, could be in computing system 120 are registered as DJ user.

Domestic consumer, minor's Account Monitoring.

Each user 110 can classify by adult or minor.Computing system 120 by each minor user with One or more guardian's user-associations get up.On some time point, minor user can reach certain age, so that No longer it is classified as minor user.The standard whether minor user grows up can be according to the law of the user account the country one belongs to Depending on.Therefore, country variant is also different for the definition of underage users.How to be set and minor in computing system 120 The user account that user is associated should be determined by their respective guardians according to the laws and regulations of concerned countries.For example, calculating System 120 can allow guardian's control following one or more：

A. underage users access the number of times of some programs, and such as educational book can be browsed at any time, and TV programme are only It can be watched in the special time in specific date or one day；

B. minor may be viewed by or be allowed to the programme content of purchase.

Forbid purchase

Computing system 120 can forbid user account to be engaged in its activity that each country is forbidden.For example, minor user Account does not allow to buy alcohol.Certain class religion of some countries even forbids adult to buy alcohol.Therefore, computing system 120 Such national association user account can be forbidden to carry out such purchase activity.But, according to the law body of country variant System, computing system 120 can allow other users to buy alcohol.

Business start and end time, number of days control

The law of country variant is at the beginning and end of being done business as defined in associated user or businessman such as bar, wine shop Between it is also different.Therefore, if according to relevant laws and regulations, the businessman is in business end time, the then user for managing such shop Account does not allow for carrying on transactions during this period.

Lottery industry

Computing system 120 can be used to applicable government bodies' online application lottery industry licensing in betting office.Obtain Lottery industry licensing, computing system 120 can be confirmed to applicable government bodies.

Betting office can specify a number of independent auditor in computing system 120, and be computed system 120 and confirm. After finance of the operation user through company, HR and the management user's approval of each betting office, the first prize can be set in computing system 120 The amount of money.Computing system 120 can freeze the first prize amount of money to ensure fund security.

User computing system 120 bet and pay stake such as select lottery number, purchase lottery ticket when, can receive calculating system Confirmation frame and online lottery ticket that system 120 is sent.When user pays stake such as lottery ticket, using the sale tax of the respective the country one belongs to of user Rate.The stake of computing system 120 is submitted after frame closing, has one section of shut-in time, and the closing of 1 hour is had before being drawn a lottery such as scene Time.To the shut-in time, computing system no longer receives any stake.Shut-in time can describe in detail in computing system 120 And confirm through relevant governmental office and independent auditor.To the shut-in time, computing system 120 can automatically generate portion and can not compile The report collected, and this report is sent to the applicable government bodies and betting office of independent auditor, concerned countries.

After the completion of scene is drawn a lottery under related side witnesses, confirm through finance, HR and management user, the operation of betting office is used Prize-winning number can be uploaded to computing system 120 by family.Above-mentioned prize-winning number needed in computing system 120 again through independent auditor and The applicable government bodies of concerned countries are in line justification.Then computing system 120 can notification line prize winner.Computing system 120 Automatic corresponding income tax can be deducted from bonus share obtained by prize winner, pay prize-winning by remaining sum automatically afterwards and use Family.

Brand is monitored and protected

Computing system 120 can provide brand monitoring and protect.In the present embodiment, trade mark and/or such as state of copyright mechanism The registrable user as computing system 120 of border office.Possess the user 110 of one or more brands in computing system 120 These brands are registered, the brand after registration can obtain the confirmation of trade mark and/or copyright mechanism in computing system 120.For ease of Statement, the second company 153B is described as registering the company of brand in computing system 120.Second company 153B can be in meter One or more users 110 are selected to be referred to as " the brand user having confirmed that " in calculation system 120, to produce product and/or offer The service associated with brand.Manufacturer may be from one or more countries.

Brand owner such as the second company 153B, is responsible for " the confirmed brand user " for confirming to provide service.For example, If confirmed brand user is a taxi company registered using international top-brand title in applicable trade mark office, Then the said firm need to obtain the confirmation of brand owner such as the second company 153B general headquarters user in computing system 120.

For commodity, confirmed brand user only includes manufacturer or produces the factory of the legal commodity of the brand. Having produced commodity can be from confirmed brand user tracking to go-between user again to terminal user or purchaser.In other words, count Calculation system 120 can provide brand simultaneously and confirm and commodity tracing service.Go-between user and terminal user refer both to whole seller or zero Sell business.Therefore, the recognizable user 110 for possessing and/or selling brand original product of computing system 120.Whole seller or retailer Original product whole seller or the retailer under the brand can be confirmed as by brand owner.But, only by specific whole seller or Particular commodity under the brand of retailer's purchase can be just shown as under original product, rather than the brand in computing system 120 All products.

The commodity tracing mode that computing system 120 is used includes the tracking of quantity purchase.If for example, a whole seller or Retailer have purchased 100 commodity under some brand at a confirmed brand user, and the meeting of computing system 120 will be wholesale 100 product validations that business or retailer possess or can bought and sold are original-pack commodity.If whole seller or retailer are by 100 Commodity are sold, and are not stocked up from supplement at confirmed brand user, then computing system 120 is just no longer by this whole seller or retail Business is shown as possessing the whole seller or retailer of the original-pack commodity of certain specific products.

The period of validity for some commodity that can be also produced by confirmed brand user is come track articles.Whole seller or zero When buying product commercially available from selling, computing system 120 can be used to check the product." first in first out " principle is taken in the tracking of period of validity, Product as received at first can be sent at first.This tracking can send expired product to whole seller or retailer and remind, such as：It is wholesale There is expired product on the shelf of business or retailer.If for example, whole seller or retailer have purchased 100 products, but not Sell the product having before off expired, computing system 120 will remind whole seller or retailer clear from shelf and/or stock Except expired product.

Computing system 120 can provide highest brand value.The user 110 that brand is registered in computing system 120 may specify The Maximum Charge price of brand product.So, the difference that such user just sells for other users whole seller or retailer The product of type sets price.Once set at ceiling price, whole seller or retailer cannot in computing system 120 with Higher than this price sales related product.Brand owner can be set in different countries in units of local currency it is different most High price, such as according to local cost.Computing system 120 can update highest automatically according to Exchange Rate in units of local currency Price.As needed, brand owner can also set a ceiling price in units of current money such as dollar, so as to one Individual or multiple countries and regions are used., can be according to current money when the exchange rate between local currency and current money changes Ceiling price update the ceiling price in units of local currency.

Computing system 120 can be used to tracing product demand.The related product of one registered brand of production it is confirmed Brand user, raw material and/or production cost inventory can be listed in computing system 120 for these products.Computing system 120 Data on inventory can be matched with their actual cost.

For each product, computing system 120 all can estimate demand for it.Or, brand owner, which can also provide, to be needed The amount of asking is estimated.The demand estimated includes the conservative number and the estimated number of new customer of loyal customer.Also can will be wide when estimating Announcement expense is taken into account.After the completion of the tomorrow requirement amount of each product is estimated, put into material estimates demand, including various work Power input also can be decided accordingly.

Figure 22 is the flow chart how a description computing system 120 implements raw material tracking.Referring to Figure 22, in square frame In 1410, company A is a confirmed brand user, produces the related product under registered brand.In square frame 1410, meter Calculation system 120 estimates the demand of product.In square frame 1420-1430, computing system 120 uses the estimated data in square frame 1410 Continue to estimate input 1-3, respectively produce needed for product the first, second and the third raw material.Then, in square frame In 1440 and 1445, computing system 120 continues to estimate the demand of input 4 and input 5 using the estimated data of square frame 1420, point The 4th kind and the 5th kind of raw material needed for input 1 of not making a living.In square frame 1450 and 1455, computing system 120 uses square frame 1425 estimated data continues to estimate the demand of input 6 and input 7, respectively the 6th needed for Productive statistics 2 kind and the 7th Plant raw material.In square frame 1460 and 1465, computing system 120 continues to estimate 8 Hes of input using the estimated data of square frame 1430 The demand of input 9, respectively the 8th needed for Productive statistics 3 kind and the 9th kind of raw material.Therefore, as shown in figure 22, former material The demand of estimating of material can be used for providing the former material needed for producing these materials such as the input 1-3 that square frame 1420-1430 is determined That expects estimates the input 4-9 determined in demand such as square frame 1440-1465.Again as shown in figure 22, some raw material or part into Point be by manufacturer buy after resale to confirmed brand user.User 110 sees Fig. 1,16 and 19, can decide in its sole discretion whether These demand estimated datas are used in their planning.

Computing device

Figure 14 is for the hardware and the frame of operating environment needed for realizing one or more computing device functions in system 100 Figure.The figure is described as the computer hardware and computing environment needed for realizing specific function with being briefly summarized.Although failed call, The realization of systemic-function be described in computer executable instructions context as program module, Such as program module.In general, program module includes performing particular task or realizes the path of particular abstract data type, journey Sequence, object, component, data structure etc..

In addition, it will be appreciated by those skilled in the art that：Using other computer system configurations also feasible system function, including Handheld device, multiple processor system, based on microprocessor or programmable consumer electronics product, networking personal computer, small Type computer, mainframe computer etc. are such.Systemic-function can also be held in the remote processing devices connected by telecommunication network Realized in DCE residing for row task.In a distributed computing environment, program module is storable in local or remote In journey memory.

Exemplary hardware and operating environment in Figure 14 include a general computing device, form such as computing device 12.Fig. 1 Each computing device include computing system 120,130 and 152 and computing device 162 and the substantial equivalence of computing device 12.Lift one Non-limiting example, the function of computing device 12 can be in notebook computer, tablet personal computer, Web TV, palm PC, game Realized in machine, smart mobile phone, mobile computing device, mobile phone, desktop personal computer etc..

Computing device 12 includes system storage 22, processing unit 21 and various system components is included into system storage 22 It is connected to the system bus 23 of processing unit 21.Because processing unit 21 can have one or more, the place of computing device 12 Single CPU " CPU ", or multiple processing units, often referred to simply as parallel processing environment can be contained by managing device.Use Multiple processing units, the species of processing unit can variation.A non-limiting example is lifted again, and diversified processing environment can Including a traditional CPU, a traditional graphics processor " GPU ", a floating point unit " FPU ", or above-mentioned any group Close, it is such.

Computing device 12 can be traditional computer, distributed computer or other any kind of computers.

System bus 23 can be any several combinations of bus structures, including memory bus or storage control, outer Enclose bus and the local bus using various bus architectures.System storage 22 may be simply referred to as memory, including read-only Memory ROM 24 and random access memory 25.One basic input/output BIOS26 is stored on ROM24, and it is included Help the information transfer in the elementary path of transmission information between each part in computing device 12, such as start-up course.Computing device 12 Including the hard disk drive 27 for reading or writing hard disk, do not shown in the figure of hard disk drive 27, for reading or writing disk 29 Disc driver 28, and for read or the removable CD 31 of write-in CD-ROM drive 30, such as CD ROM, DVD or other light storage matchmaker It is situated between.

Hard disk drive 27, disc driver 28 and CD-ROM drive 30 pass through hard disk drive interface 32, disc driver respectively Interface 33 and CD-ROM driver interface 34 are connected with system bus 23.Driver can be computing device 12 with the computer readable medium associated In sequence of machine-readable instructions, data structure, program module and other data non-volatile memory is provided.Those skilled in the art can manage Solution：It is any kind of to store the computer-readable medium of machine-readable data, such as cassette, flash card, solid-state memory " SSD ", USB flash disk, digital video disk, Bernoulli Jacob's tape, random access memory ram, read only memory ROM etc. are such, can be Used in the operating environment of example.To those of ordinary skill in the art it is clear that the addressable hard drive of processing unit 21 Device 27 and the computer-readable medium of other forms such as moveable magnetic disc 29, removable CD 31, flash card, SSD, USB flash disk etc. are all It is only the element of system storage 22 as such.

Many program modules, including operating system 35, one or more application programs 36, other program modules 37 and program Data 38 can be stored in hard disk drive 27, disk 29, CD 31, ROM24 or ROM25.User can be set by input Standby such as keyboard 40 and pointing device 42 input order or information in computing device 12.Other input equipments not shown in figure can Including microphone, control-rod, game paddle, satellite antenna, scanner, touch sensitive device such as light pen or touch-screen, video camera, depth Camera etc. is such.These or other input equipment is generally connected to by the serial-port interface 46 being connected with system bus 23 On processing unit 21, but it can also pass through other interfaces such as parallel port, game port, general-purpose serial bus USB or wave point As blue tooth interface is attached.Display 47 or other kinds of display device are needed also exist for by an interface and system bus 23 connections, such as video adapter 48.Except display, computer generally includes other peripheral output devices, other periphery outputs Do not shown in equipment drawing, such as loudspeaker, printer and the haptic apparatus that tactile and/or other kinds of physical feedback are provided Such as：Force feedback game console.

Above-mentioned input equipment is subjected to the information or option of user's input.Input and display device can be described as providing use The equipment of family interface.

Computing device 12 can be logically connected to one or more remote computers when being run in networked environment, such as long-range Computer 49.The connection of this logic can be realized by being connected on the computing device 12 or communicator of itself of computing device 12. The realization of function is not limited to particular kind of communicator.Remote computer 49 can also be an other computer, service Device, router, networking personal computer, client, storage device, peer device or other conventional network nodes, but generally Including the related part or all of element of above-mentioned computing device 12.Remote computer 49 can be connected to storage device 50.Figure 14 Connection of the logic connection comprising local network LAN 51 and wide area network WAN52 of description.Such network environment be common in office space, Computer network, intranet and the internet of enterprise-wide.Fig. 1 network 180 can be by applying one or more LAN51 Or WAN52 such as internets are realized.

One of ordinary skill in the art will appreciate that：LAN can by using telephone network, cable network, cellular network or The modem of the carrier signal of power line transmission is connected with WAN.Modem can pass through network interface such as serial port Or other kinds of port is connected with computing device 12.In addition, many notebook computers can pass through cellular data modem It is connected to networking.

In lan network environment, computing device 12 is connected to LAN 51 by a network interface or adapter 53, fits Orchestration 53 is a kind of communicator.In WAN network environment, computing device 12 generally includes modem 54 or can be by wide Domain net 52 sets up other any kind of communicators, such as internet of communication.Modem 54, it is whether internal or outer Portion, it can be transferred through serial-port interface 46 and be connected to system bus 23.It is related to personal computing device 12 in networked environment Program module or part of module can be stored into remote computer 49 and/or remote storage device 50.It is understood that above-mentioned exhibition The network connection shown is prominent example, also can be using other by the way of intercomputer establishes a communications link or communicator.

In order to promote that higher level understanding is reached to disclosed concept, here by specific example and abstract specification Detail computing device 12 and associated component.Actual techniques, which are designed and realized, to keep the same of the gross properties of disclosed concept When, it is different according to effect is implemented.

In certain embodiments, the executable instruction of the storage of system storage 22 computer, these instructions by one or The all or part of above method of the one or more computing device, including Fig. 6 to 12 points can be caused during multiple computing devices The method 300 to 900 not described, the method 1000 to 1200 that Figure 15 to 20 is described respectively.These instructions can be stored in one Or in multiple permanent computer-readable mediums.

Foregoing embodiments describe component included in other different components or connected.But it need to recognize It is that above-mentioned architecture is only typical case, in fact realizes that equal function there can be many different frame modes.It is just general For reading meaning, any is to realize the component arrangement of same function all effectively " association ", it is therefore desirable for function could realize.Cause This, it is any to realize that two components that certain specific function is combined can be considered as mutual " association ", so as to realize Desired function, architecture or intermediate module are not considered.Equally, the component that any two is so associated together can be seen Make mutually " operability connection " or " operability connection ", to realize desired function.

Although the present invention is shown and described with specific embodiment, those skilled in the art can substantially see Go out, according to the content lectured herein, change can be made to the present invention or is changed without to the present invention and its wider aspect Generation deviates from, therefore, and additional claims are intended to cover having altered in true spirit of the present invention and scope or changed.Separately External demand recognizes that only clearly stating in the claims enclosed of the invention is defined.It will be understood by those skilled in the art that In general, the term in term used herein, especially additional claims, typically open to the outside world term, such as term " comprising " should be interpreted that " including but are not limited to ", term " having " should be interpreted that " at least with ", term "comprising" should It is interpreted " include but be not limited only to ".Those skilled in the art also it is to be understood that, if it is desired to introducing requirement state Middle expression specific number, such intention clearly should be stated out in the claims, such as without such statement, then be considered as this and be intended to It is not present.For example, for ease of understand, following claims enclosed may use introductory phrase " at least one " or " one or more " require statement to introduce.But, the use of such phrase is not interpreted as inferring with indefinite article " one It is individual " or " some " introduce requirement statement shall be limited only to the extent only comprising one this statement an invention, even if same require statement in Containing introductory phrase " one or more " or " at least one " and indefinite article such as " one " or " some ", for example, " one It is individual " and/or " some " be generally construed to " at least one " or " one or more "；It is above-mentioned be equally applicable to containing definite article will Ask statement.Even if in addition, clearly describe specific number in the requirement statement being introduced into, those skilled in the art it is distinguishable go out it is such Statement is generally interpreted as the number at least up to stated, states, is repaiied without any other as " two statements " Language is adornd, at least two or two or multinomial statement is often referred to.

Correspondingly, in addition to additional claims, the present invention is unrestricted.

The announcement and teaching of book according to the above description, those skilled in the art in the invention can also be to above-mentioned embodiment party Case mode is changed and changed.But, the invention is not limited in above-mentioned embodiment, every people in the art Member's any conspicuously improved, replacement made on the basis of the present invention or modification belong to the protection model of the present invention Enclose.Although in addition, having used some specific terms in this specification, these terms are not merely for convenience of description, right The present invention constitutes any limitation.

Claims

1. a kind of method being traded by computer, user's operation calculation device, it is characterised in that：Methods described includes：

By the computational system identification one or more payee bank accounts related to payee, the bank account is linked to The account payee that computing system is preserved；

By the computational system identification one or more payer bank accounts related to requestee, the bank account is linked to The payer account that computing system is preserved；

By computational system identification one or more from each bank account of requestee transferring accounts to each Bank account transfer of payee Path；

By computing system receive from computing device select path, the path selected should be one or more paths it One；

2. a kind of method being traded by computer according to claim 1, it is characterised in that：Collect money artificial government Account, methods described includes：

Payment information is received by computing system, the payment information at least determines a tax rate；

Trigger event is detected by computing system；

Detect after trigger event, the amount of tax to be paid is determined according at least one tax rate by computing system；

The amount of tax to be paid is transferred accounts to government's account from payer account by computing system.

3. a kind of method being traded by computer according to claim 2, it is characterised in that：When at least one tax When rate includes the sale tax rate suitable for production marketing, the trigger event detected is production marketing.

4. a kind of method being traded by computer according to claim 3, it is characterised in that：Methods described is also wrapped Include：

New trigger event is detected by computing system, new trigger event is the sale of new different product；

Determine whether new sale exempts from sale tax by computing system.

5. a kind of method being traded by computer according to claim 4, it is characterised in that：When payment information identification When sale tax is exempted from the sale for going out different product, the side also includes：

Sale of the government customer associated with government account to different product is received by computing system and exempts from sale tax really Recognize.

6. a kind of method being traded by computer according to claim 2, it is characterised in that：When at least one tax When rate includes the sale tax rate suitable for production marketing,

The trigger event detected is that product is sold to buyer by company,

Payer account is related to buyer,

Methods described also includes presenting sales message by the government customer of computing system to government's account, and the sales information includes Consumption sum and the proof of identification of company.

7. a kind of method being traded by computer according to claim 2, it is characterised in that：At least one is personal During income tax rate,

Payment information includes salary,

The trigger event detected is payment salary,

Determination to the amount of tax to be paid includes determining an applicable individual income tax rate according to salary.

8. a kind of method being traded by computer according to claim 2, it is characterised in that：When payment information is true Determine real estate and during preferential selling price,

At least one tax rate includes the real estate tax rate,

The trigger event detected is to sell real estate with existing selling price,

The amount of tax to be paid is determined according to the real estate tax rate, preferential selling price and existing selling price.

9. a kind of method being traded by computer according to claim 2, it is characterised in that：When needing to one section One in the enterprise income tax of the interior sale tax imposed, the Individual Income Tax imposed in this time and the interior collection of this time When item government revenue is analyzed, methods described also includes：

The government revenue imposed in this time is shown by computing system；

Governmental Expenditure in this time is shown by computing system, Governmental Expenditure at least includes at least one political affairs in this time Expense and the salary in this time to government employee payment that mansion section office or department produce；

The result is shown by computing system.

10. a kind of method being traded by computer according to claim 1, it is characterised in that：Need fund The method for the municipal corporation account held to municipal corporation of being transferred accounts from the member account that member state holds, methods described also includes：

By computing system detect member donation whether due and payable；

The amount of money offered by computing system member freezes；

The amount of money offered by calculating system member is thawed, and it is transferred accounts to municipal corporation account from member account.

11. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described is also Including：

Payment at the end of the service terminated with the employee of the labour contract of government need to be paid by being received by computing system Identification information；

For every employee：

By computing system, the payment at the end of a part should pay the service of employee is retained in the labour contract term of validity；

12. a kind of method being traded by computer according to claim 11, it is characterised in that：When with one Or during multinomial predetermined condition, including perform individually audit.

13. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

The expression that the first user transmission associated with the side of transferring accounts is received by computing system has started to first of milestone The expression that confirmation and second user associated with payee send has started to second confirmation of milestone；

Completed milestone by the expression of first user's transmission of computing system reception the 3rd confirms and second user The expression of transmission has completed the 4th confirmation of milestone；

By computing system receive the 3rd confirm and the 4th confirm after by the pertinent payment amount of money from the side's of transferring accounts account transfer To account payee.

14. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

By computing system receive that buying user sends it is pre- from associated with payer account payment user's product purchasing Request；

Handled by computing system selling product to buying user；

Patent right transfer usage charges are transferred accounts to account payee from payer account after product sale by computing system.

15. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

16. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

By computing system, the total amount of tax of one or more of product of foundation and the ratio for being sold to country variant determine multiple states The multinomial expenses of taxation of family；

17. a kind of method being traded by computer according to claim 1, it is characterised in that：Carry out quotation stream Cheng Shi, methods described includes：

Production cost is determined by computing system, and when second user agrees to license request, by the production cost First user is shown to, the production cost includes labor cost.

18. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

The requirement inventory of event organizer is received by computing system, the inventory at least includes a requirement related to place；

The place at least meeting a requirement is searched by computing system；

One of place that event organizer selects is received by computing system；

19. a kind of method being traded by computer according to claim 18, it is characterised in that：Methods described is also Including：The net income sold after date of draft is shown by computing system.

20. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

It is each user storage music data in multiple users by computing system, the data can recognize each user's purchase Song, each user buys the movable ticket sheet that an artist plays；

Shown and sung in the artistical list of songs including music data, decision activity after which song by computing system, The artist can use this list, the multiple users of the list None- identified.

21. a kind of method being traded by computer according to claim 20, it is characterised in that：Methods described bag Include：It it is the birthday or commemoration day that artist shows one of specific user by computing system, artist can be specific to this User sends out blessing.

22. a kind of method being traded by computer according to claim 20, it is characterised in that：Methods described bag Include：

After the song that only user's purchase or rental are largely predetermined, the user is registered as by music program by computing system Host；

Being shown by computing system is considered as the list of songs that most users are liked, and determines to broadcast in the activity participated in most users After the song put, disc jockey can use this list, the list None- identified most users.

23. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described

Including：

Whether it is underage users by computational system identification user；

The option of guardian user is shown by computing system, the option at least allows its of guardian user's decision following content In one：

The content for allowing underage users to be watched in computing system；

The content for allowing underage users to be bought in computing system；

The option that guardian user selects is received by computing system.

24. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

25. a kind of method being traded by computer according to claim 24, it is characterised in that：Methods described bag Include：

When at least one buying belongs in the range of certain time forbids procurement item, computing system prevents user at this section Between in the range of carry out the buying.

26. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

The first prize bonus of betting office is received by computing system；

First prize bonus is freezed by computing system；

Lottery ticket is sold to most users by computing system；

Lottery ticket sales tax is paid by computing system；

Lottery digit groups are received by computing system；

The confirmation of lottery digit groups is received by computing system；

Pass through computing system defrosting first prize bonus；

By computing system to government's bill payment income tax；

By computing system to the one or more bill payments related at least one lottery winner in one or several lottery winners Remaining sum.

27. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

One brand and the proof of Related product are received by computing system；

Confirm to authorize the retailer of sale product by computing system；

After confirming that licensed-type production business, the manufacturer produce product group and sell product group to retailer to carry out by computing system Continuous retail activity；

The product group that retailer buys at licensed-type production business and retailer sells is tracked by computing system, to ensure zero Sell the product group that business only sells mandate；

When computing system determines that retailer has sold out all product groups bought at licensed-type production business, deleted by computing system The inventory.

28. a kind of method being traded by computer according to claim 27, it is characterised in that：Methods described bag Include：

The product inventory that retailer buys is shown by computing system；

Remind product selected by retailer out of date by computing system.

29. a kind of method being traded by computer according to claim 27, it is characterised in that：Methods described bag Include：

The proof and the product that are sold to the product of retailer are received by computing system at least in a national highest price The proof of lattice；

The suggestion lists of retailer's product are received by computing system, the list includes product price and at least carried in a country For production marketing；

30. a kind of method being traded by computer according to claim 1, it is characterised in that：Methods described bag Include：

One or more applications for going to multiple national visas are received by computing system, application is submitted by user, such one Individual or multiple visas have common requirement；

Obtained by computing system and meet desired necessary information；

Information is submitted to multiple countries by computing system；

31. a kind of method being traded by computer according to claim 30, it is characterised in that：Methods described bag Include：It is required that during vaccine inoculation, the information of acquisition includes：

32. a kind of method being traded by computer according to claim 31, it is characterised in that：Methods described bag Include：