CN107169868A - A kind of currency lever method of payment and system for credit and debt - Google Patents
A kind of currency lever method of payment and system for credit and debt Download PDFInfo
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Abstract
The application is related to a kind of currency lever method of payment and system for credit and debt, wherein, the method for payment includes：The log-on message of user is received, and according to the credit and debt attribute of log-on message registration user；Receive the operational parameter of user's setting；The operational parameter includes at least one of payment, service rate, payment earning rate, gathering allowance rate, leverage fund rate；According to the credit and debt attribute and the operational parameter, debt figure is set up between each user；Debt ring and debt chain are determined in the debt figure, and determines the debt ring or the corresponding leverage fund of debt chain；Based on the leverage fund, the debt in the debt ring or debt chain is paid.The technical scheme that the application is provided, can effectively solve the problem that the credit and debt problem between main market players.
Description
Technical field
The application is related to Internet technical field, more particularly to a kind of currency lever method of payment for credit and debt and
System.
Background technology
As economic continues to develop, in terms of macroscopic view, credit and debt be on the rise with it is numerous and jumbled, formed one it is intricate
Credit and debt network.At microcosmic aspect, Market competition, main market players's accounts receivable and accounts payable turnaround speed become
Slowly, precipitate, opportunity cost, time cost, finance costs are having a strong impact on the competitiveness and innovation ability of each main body in market.
Credit and debt circulation is not smooth in network, is the direct embodiment of credit and debt height enterprise, traditional economic theory and method
Credit and debt can not be effectively solved, so as to cause more economic problems and social concern, credit and debt problem turns into influence
The key factor of future economy trend.
The content of the invention
The purpose of the application is a kind of currency lever method of payment and system for credit and debt of offer, can be effective
Solve the problems, such as the credit and debt between main market players.
To achieve the above object, on the one hand the application provides a kind of currency lever method of payment for credit and debt,
Methods described includes：
The log-on message of user is received, and according to the credit and debt attribute of log-on message registration user；Wherein, it is described
Credit and debt attribute includes credit and debt both sides, affiliated party, body attribute；Amount of obligation, debt amount, amount of money time limit, credits
At least one of debt classification；
Receive the operational parameter of user's setting；The operational parameter includes the controlled disbursement amount of money, payment earning rate, gathering folding
Allow at least one of rate, leverage fund rate, service rate, time limit, apportionment ratio；
Computing user setting debtor-creditor relationship attribute and operational parameter, determine multiuser architecture, two users' structure and
At least one of absolute construction and labyrinth；
According to currency lever payment mode needs, corresponding user's fund account is set, and reception user pays or outside is led
The fund entered；
According to the main body of the credit and debt, attribute of a relation and operational parameter, debt figure is set up between each user；Its
In, node set that the debt figure includes being used for characterizing user, the directed edge for characterizing debtor-creditor relationship between user
Set, for characterize between user the corresponding service rate set of undirected line set, the node set of incidence relation and
The corresponding directed edge attribute set of the oriented line set；Node set for characterizing user's independence；Used for characterizing
The nodal community set at family；
Determine that user's debt graph structure includes multiuser architecture, two users' structure and isolated user structure and complexity in debt net
User structure, and include the complicated debt figure developed with this basis；
Need to set user's fund account according to being paid by currency lever, including it is basic account, leverage fund account, other
At least one of function account；
The leverage fund of the corresponding user of debt structure is determined according to credit and debt main body, relation, the amount of money and operational parameter；Receive
User pays or the outside leverage fund imported；Based on the leverage fund, to multiuser architecture, two users' structure and complicated debt
Scheme corresponding credit and debt, progress moment pays simultaneously in user's fund account；Absolute construction user can directly be paid.
To achieve the above object, the application also provides a kind of currency lever payment system for credit and debt, the system
System includes：
Log-on message receiving unit, the log-on message for receiving user, and register user's according to the log-on message
Credit and debt attribute；Wherein, the credit and debt attribute includes credit and debt both sides, affiliated party, body attribute；Amount of obligation,
At least one of debt amount, amount of money time limit, credit and debt classification；
Operational parameter receiving unit, the operational parameter for receiving user's setting；The operational parameter includes controlled disbursement
At least one of the amount of money, payment earning rate, gathering allowance rate, leverage fund rate, service rate, time limit, apportionment ratio；
Structure determination unit, the debtor-creditor relationship attribute and operational parameter set for computing user, determines multi-user
Structure, two users' structure and at least one of absolute construction and labyrinth；
Fund receiving unit, for according to currency lever payment mode needs, setting corresponding user's fund account, is received
User pays or the outside fund imported；
Debt figure sets up unit, for the main body according to the credit and debt, attribute of a relation and operational parameter, in each user
Between set up debt figure；Wherein, the debt figure includes being used for characterizing user node set, for characterizing credits debt between user
The oriented line set of business relation, the corresponding clothes of undirected line set, the node set for characterizing incidence relation between user
Business rate set and the corresponding directed edge attribute set of the oriented line set；Set of node for characterizing user's independence
Close；Nodal community set for characterizing user；
Debt figure develops unit, for determined in debt net user's debt graph structure comprising multiuser architecture, two users' structure and
Isolated user structure and complicated user structure, and include the complicated debt figure developed with this basis；
Account setting unit, being paid for basis by currency lever needs setting user's fund account, including basic account,
At least one of leverage fund account, other function accounts；
Payment unit, for determining the corresponding user's of debt structure according to credit and debt main body, relation, the amount of money and operational parameter
Leverage fund；User is received to pay or the outside leverage fund imported；Based on the leverage fund, to multiuser architecture, dual-purpose
Family structure credit and debt corresponding with complicated debt figure, progress moment pays simultaneously in user's fund account；Absolute construction user
Can directly it be paid.
A kind of currency lever method of payment and system for credit and debt that the present invention is provided, the credits that user is provided
The means of payment such as liability data formation debt ring, debt chain and divergent structure, principle is paid according to currency lever, imports a small amount of lever money
Gold, just can be completed all credit and debts for participating in node users in debt ring, debt chain and divergent structure simultaneously with moment and paid；Simultaneously
Credit and debt between two users can be paid, so as to efficiently remove lever, making for conventional payment currency is greatly decreased
Consumption, can preferably solve the problems, such as the credit and debt between main market players.
Brief description of the drawings
Fig. 1 be one embodiment of the application in for credit and debt currency lever method of payment flow chart；
Fig. 2 is the schematic diagram of debt ring in the application；
Fig. 3 is the schematic diagram of debt chain in the application；
Fig. 4 is the schematic diagram of debt divergent structure in the application；
Fig. 5 is the schematic diagram of credit and debt between two users in the application；
Fig. 6 be the application in for credit and debt currency lever payment system structural representation.
Embodiment
In order that those skilled in the art more fully understand the technical scheme in the application, it is real below in conjunction with the application
The accompanying drawing in mode is applied, the technical scheme in the application embodiment is clearly and completely described, it is clear that described
Embodiment is only a part of embodiment of the application, rather than whole embodiments.Based on the embodiment party in the application
Formula, all other embodiment that those of ordinary skill in the art are obtained under the premise of creative work is not made all should
When the scope for belonging to the application protection.
Referring to Fig. 1, the application provides a kind of currency lever method of payment for credit and debt, methods described includes：
S10：The log-on message of user is received, and according to the credit and debt attribute of log-on message registration user；Wherein,
The credit and debt attribute includes credit and debt both sides, affiliated party, body attribute；Amount of obligation, debt amount, the amount of money time limit,
At least one of credit and debt classification；
S20：Receive the operational parameter of user's setting；The operational parameter includes the controlled disbursement amount of money, payment earning rate, received
At least one of money allowance rate, leverage fund rate, service rate, time limit, apportionment ratio；
S30：The debtor-creditor relationship attribute and operational parameter of computing user setting, determine multiuser architecture, two users' knot
Structure and at least one of absolute construction and labyrinth；
S40：According to currency lever payment mode needs, corresponding user's fund account is set, user is received and pays or outside
The fund that portion is imported；
S50：According to the main body of the credit and debt, attribute of a relation and operational parameter, debt figure is set up between each user；
Wherein, the debt figure includes being used for characterizing user node set, for characterizing the oriented of debtor-creditor relationship between user
Line set, for characterize the corresponding service rate set of undirected line set, the node set of incidence relation between user with
And the corresponding directed edge attribute set of the oriented line set；Node set for characterizing user's independence；For characterizing
The nodal community set of user；
S60：Determined in debt net user's debt graph structure comprising multiuser architecture, two users' structure and isolated user structure and
Complicated user structure, and include the complicated debt figure developed with this basis；
S70：According to by currency lever pay need set user's fund account, including basic account, leverage fund account,
At least one of other function accounts；
S80：The leverage fund of the corresponding user of debt structure is determined according to credit and debt main body, relation, the amount of money and operational parameter；
User is received to pay or the outside leverage fund imported；Based on the leverage fund, to multiuser architecture, two users' structure and multiple
The corresponding credit and debt of miscellaneous debt figure, carry out moment in user's fund account pays simultaneously；Absolute construction user can directly be carried out
Pay.
In the present embodiment, according to the credit and debt attribute and the operational parameter, built between each user
Vertical debt figure includes：
The debt side and credits side in credit and debt both sides are determined, and is characterizing the first node of debt side with characterizing credits
Oriented line is set up between the Section Point of side, the direction of the oriented line is to point to the second section from the first node
Point；Wherein, the oriented line going out while and as when entering of the Section Point as the first node, wherein, go out
While and when entering it is corresponding with out-degree and in-degree respectively.
In the present embodiment, methods described also includes：
Determine that affiliated party at least needs two users, and set up between each node of at least two user is characterized
Undirected line.
In the present embodiment, body attribute figure is determined in debt graph structure：By main nature, principal classes, manage rule
Mould, region substep, industry, index classification；Amount of money attributed graph：Amount of money size, time limit, validity, frequency, discrepancy according to plan
The how many attributed graph in side；Parameter attribute figure：By payment earning rate, in chain leverage fund rate, last-of-chain leverage fund rate, apportionment ratio,
The attributed graph of service rate and debt index.
In the present embodiment, related debt graph model is determined in the debt figure, using standalone, centralization, distribution
Or parallel processing plan；Divide wherein from figure, comprising multiuser architecture, two users' structure and absolute construction and as base
The labyrinth that plinth is developed；Dividing in dependence feature includes subjective relationship figure, credit and debt datagram, attributed relational graph.
In the present embodiment, methods described also includes：
According to the currency lever payment mode needs, fund account is set to include basic account, currency leverage fund account
Number, at least one of other function accounts.
In the present embodiment, methods described also includes：
The currency leverage fund refers to that all users pay or imported on the debt figure according to lever principle, picked up, can
Carry out disbursing funds for debt graph structure simultaneously successively；The operational parameter includes：Chain first payment earning rate=(1- first-in-chain(FIC)s are paid
Fund/chain lever payment) * 100%；Leverage fund rate=(fund that user pays in certain chain/chain lever payment gold in chain
Volume) * 100%；Last-of-chain gathering allowance rate=(fund that last-of-chain user gives a discount to credits capital/chain lever payment) *
100%.
In the present embodiment, methods described also includes：
Debt ring structure is paid, and refers to import fund by minimum dollar amount in debt ring, in all participation user accounts successively
One receives one pair, and all users complete revenue and expenditure simultaneously；
Debt chain structure is paid, and is referred in debt chain by minimum dollar amount, each user pays fund according to setting condition of controlling oneself
Or the external sources of finance are imported, from first-in-chain(FIC) user to last-of-chain user after collecting, one one is received successively in all participation user's fund accounts
Pay, all users complete revenue and expenditure simultaneously；
Debt tree construction is paid, and the standard of every debt chain pays fund or imports the external sources of finance in debt tree construction is referred to, and collects
All debt chains of debt tree participate in the fund or the importing external sources of finance that user pays, from debt tree head end to end, in all participation users
One one pair is received simultaneously successively in fund account, all users complete revenue and expenditure simultaneously；
Two users' structure is paid, and refers to that, by debt or amount of obligation, user pays or by outside according to setting condition of controlling oneself
Importing fund, is paid between two users；
Absolute construction is paid, and is that user directly initiates money transfer payments behavior in absolute construction.
In the present embodiment, methods described also includes：
Currency lever, which is paid, needs certain program, and described program includes supplementing with money, withdraw deposit, publicity, hand over money, payments, download
At least one of document.
Specifically, register in plateform system and during any user after being audited through legitimacy is debt and credit network
One client.System is that each client distributes a unique identity ID.
If client A and client B confirms there is the relation that A owes B funds in systems, A is called debt side, and B is credits side,
And there is debt and credit relation, abbreviation debt relation between A, B.It is ω to remember the debt and credit volume between A, BA,B, the abbreviation amount of the debt.
If client A and client B is by confirming, its internal debt and credit relation is not considered, and is agreed to external debt
Power debt is converted into the credit and debt between A, B, then A, B are mutually referred to as affiliated party, and claim A, B to constitute incidence relation.
It should be noted that incidence relation and debt relation are mutex relations.It can not be both association between i.e. two clients A, B
, there is debt relation again in side.
The network that debt relation and incidence relation between the client registered on all platforms are constituted, referred to as debt net.
If K client { A1,A2,L,AKWhile meet following condition, then claim them to constitute debt chain：
1st, client AiWith client Ai+1(i=1,2 ..., K-1) there is debt relation or incidence relation.
If the 2, client AiWith client Ai+1There is incidence relation in (i=1,2 ..., K-1), then client Ai+1With its subsequent clients
Between, client AiIncidence relation is not present between its forerunner client.
In a debt chain, claim first client A1For first-in-chain(FIC) client, last client AKFor last-of-chain client, other visitors
Family A2..., AK-1Referred to as client in chain.
Obviously, in a debt chain, first-in-chain(FIC) only has debt without credits, and last-of-chain only has credits without debt.
In a debt and credit chain { A1,A2,L,AKIn, if client A1With client AKIt is same client, or there is association
Relation, then referred to as one debt ring.
The amount of money referred to as payment that can be paid in debt ring or debt chain, is designated as D.Obviously, D is institute in debt ring or debt chain
There is the minimum value of the bills due amount of money in debt relation, i.e.,：Give a debt ring or debt chain { A1,A2,L,AK, its payment D is：
Client A is ready to be designated as service rate to the service charge ratio that platform is paid to solve the debt of oneself
ρ.Obviously, if the flat account amount of money of the debt ring or debt chain where A is D, the service charge F that A is paid to platformAIt is：
FA=D × ρA (2)
If there is debt relation between client A, B, and A is the first-in-chain(FIC) of some debt chain, A, B are the clients in debt chain, claim A from
It is payment earning rate to solve the income obtained in the debt relation between A, B, is designated as αA,B.If A is ready that the upper limit paid is
ω′A,B, then：
If there is debt relation between client A, B, and B is the last-of-chain of some debt chain, A, B are the clients in debt chain, then B is
Solve the debt relation and be ready the ratio of allowance and, for allowance rate, be designated as γA,B.I.e.：If B receivable gold in A, B debt relation
Volume ω 'A,B, then：
If there is debt relation between client A, B, and A, B are clients in chain in some debt chain, A be called compound a debt and
The ratio for being ready payment is leverage, is designated as βA,B.I.e.：If A is ready to pay ω 'A,B, then：
For representing that the figure of debt net is referred to as debt figure.Debt figure G is a digraph, G={ V, E, F, P, Q }, wherein, G is represented
Debt figure, V represents node set, and E represents oriented line set, and F represents undirected line set, and P represents service rate set, Q directed edges
Attribute set.Wherein, debt amount, service rate, payment earning rate and receipts can be included in the directed edge attribute set
Money allowance rate.
In a debt figure, the node that in-degree is 0 is nature first-in-chain(FIC), i.e. the client without credits is referred to as nature first-in-chain(FIC).
In a debt figure, the node that out-degree is 0 is nature last-of-chain, i.e. the client without debt is referred to as nature last-of-chain.
The fund referred to as leverage fund that all users voluntarily pay for payment credit and debt on debt chain.
The leverage fund divided by the ratio of loop chain lever payment that user pays are leverage fund rate, include the chain first payment
Leverage fund rate, last-of-chain gathering allowance rate in earning rate, chain.
If there is debt relation between client A, B.A is ready to pay certain fund ω 'A,BB debt ω is owed for solving AA,B,
Then A is set is referred to as Payment Plan on the condition of the factors such as the date of payment, payment and payment earning rate.
In the present embodiment, when carrying out the solution of debt ring：
For debt figure G={ V, E, F, P, Q }, following iterative step is performed, wherein, G represents debt figure, and V represents node set,
E represents oriented line set, and F represents undirected line set, and P represents service rate set, Q directed edge attribute sets：
S1：Take G0=G, n=0, G'=G, wherein, G0Initial debt figure is represented, n represents iterations, and G' represents not including debt
The debt figure of ring；
S2：For the debt figure G of nth iterationn, the directed edge that wherein debt amount is 0 is deleted, all in-degrees are then deleted
For 0 or out-degree be 0 node and its association side, form new debt figure figure Gn+1, put n=n+1；
S3：If | Vn|=0, then go to S8；Otherwise S4 is gone to；
S4：Take u ∈ Vn, and judge u it is all go out in debt amount it is maximum and accessed while terminal v whether deposit
；
S5：If v is not present, the side of u and its association is deleted, and goes to S2；Otherwise S6 is gone to；
S6：If v is present, u=v is put；
S7：If v had been accessed, will occur to this time accessing node one debt ring C of composition that v is undergone from first time v,
And the debt amount on debt ring C all sides is subtracted into the flat account amount of money, go to S2；
S8：Following iteration is carried out for all debt rings of generation：A untreated debt ring is taken, to belonging to this in G' not
The flat account amount of money of the untreated debt ring is subtracted in the debt amount on the side of the debt ring of processing；Debt amount is deleted for 0 side
Remove.
In the present embodiment, when being solved for debt chain, carried out after acquisition figure G' after solving all debt rings
's.The solution of debt chain is divided into two parts：One is the starting point (in first-in-chain(FIC), chain, last-of-chain or specified node) for finding computing, and two be starting point
Solve debt chain.
First-in-chain(FIC) includes two classes：One class is the natural first-in-chain(FIC) in the figure G' after deleting all debt rings；Two be to meet certain
The non-natural first-in-chain(FIC) of condition.Specifically, for the debt figure G'=in the absence of debt ring, { V', E', F', P', Q'} preassign nature
The judgment threshold ξ of first-in-chain(FIC)1With the judgment threshold ξ of non-natural first-in-chain(FIC)2；Set up first-in-chain(FIC) set SH={ (vi,τi)|vi∈ V'}, wherein
τiIt is first-in-chain(FIC) viThe number of corresponding chain；And set up follow-up line set SS；
S11：It is sky to put set SH and SS；
S12：If all natural first-in-chain(FIC)s have judged, S14 is gone to；What any one for otherwise taking in G' not yet judged
Natural first-in-chain(FIC) u, and go to S13；
S13：To all side ＜ u, v ＞ ∈ E', if αu,v≤ξ1, then SH=SHU { (u, 0) }, and SS=SSU are put
{(u,v)}；After the side using u as starting point all judges to finish, S12 is gone to；Wherein, αu,vSide ＜ u are represented, the corresponding payments of v ＞ are received
Beneficial rate；
S14：If all non-natural first-in-chain(FIC)s in G' have judged, S16 is gone to；Otherwise any one non-natural first-in-chain(FIC) is taken,
And go to S15；
S15：To all side ＜ u, v ＞ ∈ E', if αu,v≤ξ2, then SH=SHU { (u, 0) }, and SS=SSU are put
{(u,v)}；After the side using u as starting point all judges to finish, S14 is gone to；
S16：Ask the first summation of the debt amount of all natural first-in-chain(FIC)s in SS, and debt of each natural first-in-chain(FIC) in SS
Be engaged in the amount of money the first individual event and, the ratio based on first individual event and with first summation determines what nature first-in-chain(FIC) started
The transformation of chain；I.e.：
Wherein, first (SH) represents the set that the even header element of set SH each sequence is constituted, τtimes、τminPut respectively
Big multiple (typically taking 100) and number lower limit (typically taking 1).
S17：The second summation of the debt amount of all non-natural first-in-chain(FIC)s in SS is sought, and each non-natural first-in-chain(FIC) is in SS
Debt amount the second individual event and, the ratio based on second individual event and with second summation determines non-natural first-in-chain(FIC)
The transformation of the chain of beginning, i.e.,：
Wherein, first (SH) represents the set that the even header element of set SH each sequence is constituted, τtimes、τminPut respectively
Big multiple (typically taking 100) and number lower limit (typically taking 1).
The general thought of debt chain derivation algorithm is：Determine the starting point of computing as (solved nature first-in-chain(FIC), non-natural chain first
In first, chain, last-of-chain, it is arbitrarily designated a bit).For a given computing starting point, every time the maximum side of selection leverage (or its
Its condition) side that extends as next step, until last-of-chain.According to rule (such as chain length, earning rate, service rate, computing ginseng
Number, user's request, quantity, affiliated party's demand, regulatory requirement, Policy Demand) etc. export and delete the chain, then find next
Chain, or without more multichain it can be found that untill.
Specifically, for debt figure G'={ V', E', F', P', the Q'} in the absence of debt ring；Set up first-in-chain(FIC) set SH={ (vi,
τi)|vi∈ V'}, wherein τiIt is first-in-chain(FIC) viThe number of the chain of output；Set up follow-up line set SS and threshold value Lmin, the threshold value
LminRepresent the minimum node number of output chain；
S21：Side in SS is ranked up；
S22：If SS is empty set, chain set is exported；Otherwise S23 is gone to；
S23：Take first side in SS<u,v>, juxtaposition SS=SS- { ＜ u, v ＞ }；
S24：If having reached τ using the quantity of u as the chain of starting pointu, then S22 is gone to；Otherwise S25 is gone to；
S25：If with<u,v>All judge to finish for the chain of a line, then gone to S22；Otherwise S26 is gone to；
S26：Since v, the terminal on the maximum side of current not yet judge and leverage fund rate is selected successively under
One node, until nature last-of-chain is extended to, to obtain a candidate chains Link；
S27：If Link length is not less than Lmin, and ensure also produce income when ignoring service charge, then export
Link, and go to S28；Otherwise S29 is gone to；
S28：The debt amount on the side in Link is subtracted into the flat account amount of money, and delete in debt figure update after debt amount
For 0 side；
S29：The father node of present node is traced back to, and chain is continually looked for along the brotgher of node not judged of present node；
If all brotghers of node of present node have all judged, continue to recall；If tracing back to v, S22 is gone to.
Referring to Fig. 2, A to E may be constructed debt ring, debt amount has been indicated on the directed edge in the debt ring.Now, exist
Pay after 600,000 amount of money, the debt ring of credit and debt payment can have been carried out, as can be seen that between A and B in the debt ring
Credit and debt has completed to pay.
Referring to Fig. 3, being imported into debt chain after 1,000,000 leverage fund, it can be seen that the credit and debt between 2 and 3 is
Through completing to pay.
Fig. 4 and Fig. 5 respectively show the debtor-creditor relationship between divergent structure and two users.
In the present embodiment, debt ring is divided into 2 types, and one kind is simple debt ring, and another is complicated debt ring, wherein multiple
Close debt ring and there is MULTILAYER COMPOSITE situation.Substantially n-layer complex loop then can be analyzed to a n independent simple debt ring.But in reality
In payment process, in order to improve efficiency, more it can carry out paying flat account by the way of compound debt ring.
The pickup scheme of debt ring is all higher than in the debt node of graph set equal to 1 from in-degree out-degree, inclined successively by certain rule
Go through, it is preferential using depth or range or specified requirements or specific purpose during Pianli, guiding is used as using debt and credits
Scheme is looked for, until forming closed loop and being deleted the flat account amount of money is paid from debt figure.
In the present embodiment, debt chain can be divided into the MULTILAYER COMPOSITE debt chain that there are multiple branch roads in simple debt chain, chain, and
Three kinds of situations of composite construction of many first-in-chain(FIC)s or many last-of-chains.The pick-up method of debt chain and on the premise of determining at least one node,
The chain is found, screening conditions include but is not limited in first-in-chain(FIC), chain, last-of-chain or be arbitrarily designated a bit.
If finding debt chain according to the scheme of determined first-in-chain(FIC), then first-in-chain(FIC) attribute set is determined first, then by certain rule
All nodes in first-in-chain(FIC) set are traveled through, each node is looked in the way of depth or breadth First or specified requirements or specific purpose
One next node, sets operational parameter and the amount of money as primary condition, to reach user's setting requirements or specific purpose, then using user
The chain is formed.System still can be expanded to pick up optimal chain on the basis of the chain.The program can typically produce simple chain and 1 first-in-chain(FIC)
Compound debt chain.
If finding debt chain according to the scheme of determined chain interior joint, then chain node attribute set is determined first, then press
All nodes in gathering in certain rule traversal chain, then from the node credits and debt both direction with depth or breadth First
Or the mode of specified requirements or specific purpose looks for next node, operational parameter and the amount of money are set as primary condition using user,
To reach user's setting requirements or specific purpose, then the chain is formed.System is expanded to pick up on the basis of from the chain base can still going out above
Optimal chain.The program can typically produce the compound debt chain of simple debt chain and multiple first-in-chain(FIC)s or multiple last-of-chains.
If the scheme according to joint of the chain tail is determined finds debt chain, then joint of the chain tail attribute set is determined first, then by one
Set pattern then travels through all nodes in last-of-chain set, then from the direction of the node credits with depth or breadth First or specified requirements
Or the mode of specified requirements or specific purpose looks for next node, operational parameter degree and the amount of money are set as basic bar using user
Part, to reach that user requires or specific purpose, then the chain is formed.System is expanded to pick up most on the basis of from the chain base can still going out above
Excellent chain.The program can typically produce the compound debt chain of simple debt chain and multiple first-in-chain(FIC)s or multiple last-of-chains.
If the scheme according to any one node is determined finds debt chain, then arbitrary node attribute set is determined first, then press
All nodes in certain rule traversal set, then from the direction of the node credits or debt is with depth or breadth First or specifies
The mode of condition or specific purpose looks for next node, operational parameter and the amount of money is set as primary condition using user, to reach
User's setting requirements or specific purpose, then the chain formed.System still can be expanded to pick up optimal chain on the basis of the chain.The program
The compound debt chain of simple debt chain and multiple first-in-chain(FIC)s or multiple last-of-chains can typically be produced.
In the present embodiment, debt tree is a kind of structure being compounded to form for a plurality of debt chain.Wherein with 1 section of first-in-chain(FIC)
Chain structure in point, chain with n node of last-of-chain is referred to as divergence form debt tree；N node in first-in-chain(FIC) and chain, 1 node of last-of-chain
Chain structure be referred to as convergence type debt tree.
When first-in-chain(FIC) is determined, principle is looked for by every debt chain, operational parameter and the amount of money are set as primary condition using user, institute
Meet user's request or specific purpose debt chain is compounded to form divergence form debt tree.
When last-of-chain is determined, principle is looked for by debt chain, operational parameter and the amount of money are set as primary condition using user, Suo Youman
The debt chain of sufficient user's request or specific purpose is compounded to form convergence type debt tree.
In the present embodiment, closely, original is without debtor-creditor relationship, affiliated party between the two for affiliated party both sides subjective relationship
One side externally has credits, and the opposing party externally has debt, and vice versa；Preferably to solve respective credit and debt, both sides confirm
For relation of the relevant parts, represented with equal sign "=", in currency lever payment process, new credits debt between generation association both sides
Business, while both sides former each external credits and external debt complete to pay.
Such as in chain A → B → C=D → M → Z lever payment process, generation D → C between the two close by new credit and debt
System；Complete to pay between B and C simultaneously, complete to pay between D and M.Both sides both sides are associated in completely voluntary, understanding completely, are fulfiled
Relation of the relevant parts is confirmed as on the basis of legal procedure；Relation can all generate affiliated party between each subsidiary of such as group.
Referring to Fig. 6, the application also provides a kind of currency lever payment system for credit and debt, the system bag
Include：
Log-on message receiving unit 100, the log-on message for receiving user, and user is registered according to the log-on message
Credit and debt attribute；Wherein, the credit and debt attribute includes credit and debt both sides, affiliated party, body attribute；Credits gold
At least one of volume, debt amount, amount of money time limit, credit and debt classification；
Operational parameter receiving unit 200, the operational parameter for receiving user's setting；The operational parameter includes plan branch
Pay at least one of the amount of money, payment earning rate, gathering allowance rate, leverage fund rate, service rate, time limit, apportionment ratio；
Structure determination unit 300, the debtor-creditor relationship attribute and operational parameter set for computing user, it is determined that multi-purpose
Family structure, two users' structure and at least one of absolute construction and labyrinth；
Fund receiving unit 400, for according to currency lever payment mode needs, setting corresponding user's fund account,
User is received to pay or the outside fund imported；
Debt figure sets up unit 500, for the main body according to the credit and debt, attribute of a relation and operational parameter, at each
Debt figure is set up between user；Wherein, the debt figure includes being used for characterizing user node set, for characterizing debt between user
Weigh the oriented line set of debition, for characterizing the undirected line set of incidence relation between user, node set correspondence
Service rate set and the corresponding directed edge attribute set of the oriented line set；Section for characterizing user's independence
Point set；Nodal community set for characterizing user；
Debt figure develops unit 600, for determining that user's debt graph structure includes multiuser architecture, two users' structure in debt net
With isolated user structure and complicated user structure, and the complicated debt figure developed with this basis is included；
Account setting unit 700, for needing setting user's fund account, including basic account according to by the payment of currency lever
Number, at least one of leverage fund account, other function accounts；
Payment unit 800, for determining debt structure to application according to credit and debt main body, relation, the amount of money and operational parameter
The leverage fund at family；User is received to pay or the outside leverage fund imported；Based on the leverage fund, to multiuser architecture,
Two users' structure credit and debt corresponding with complicated debt figure, progress moment pays simultaneously in user's fund account；Absolute construction
User can directly be paid.
In the present embodiment, the debt figure, which sets up unit, includes：
Oriented line sets up module, for determining debt side and credits side in debt and credit both sides, and is characterizing debt
Oriented line is set up between the first node of side and the Section Point for characterizing credits side, the direction of the oriented line is from described
First node points to the Section Point；Wherein, the oriented line goes out side and as described as the first node
Section Point enters side, wherein, it is when going out while and entering corresponding with out-degree and in-degree respectively.
In the present embodiment, the debt figure, which sets up unit, also includes：
Undirected line sets up module, for determining at least two users in affiliated party, and is characterizing described at least two
Undirected line is set up between each node of user.
A kind of currency lever method of payment and system for credit and debt that the present invention is provided, the credits that user is provided
The means of payment such as liability data formation debt ring, debt chain and divergent structure, principle is paid according to currency lever, imports a small amount of lever money
Gold, all credit and debts for participating in node users in debt ring, debt chain and divergent structure just can be completed simultaneously and are paid；Simultaneously can be right
Credit and debt between two users' branch carries out direct payment, and so as to efficiently remove lever, making for conventional payment currency is greatly decreased
Consumption, can preferably solve the problems, such as the credit and debt between main market players (including government department, enterprise or individual).
Those skilled in the art are supplied to the purpose described to the descriptions of the various embodiments of the application above.It is not
Be intended to exhaustion or it is not intended to and limits the invention to single disclosed embodiment.As described above, the application's is various
Substitute and change will be apparent for above-mentioned technology one of ordinary skill in the art.Therefore, although specifically beg for
Some alternative embodiments have been discussed, but other embodiment will be apparent, or those skilled in the art are relative
Easily draw.The application is intended to be included in this all replacement of the invention discussed, modification and change, and falls
Other embodiment in the spirit and scope of above-mentioned application.
Claims (10)
1. a kind of currency lever method of payment for credit and debt, it is characterised in that methods described includes：
The log-on message of user is received, and according to the credit and debt attribute of log-on message registration user；Wherein, the credits
Debt attribute includes credit and debt both sides, affiliated party, body attribute；Amount of obligation, debt amount, amount of money time limit, credit and debt
At least one of classification；
Receive the operational parameter of user's setting；The operational parameter includes the controlled disbursement amount of money, payment earning rate, gathering allowance
At least one of rate, leverage fund rate, service rate, time limit, apportionment ratio；
The debtor-creditor relationship attribute and operational parameter of computing user setting, determine multiuser architecture, two users' structure and independence
At least one of structure and labyrinth；
According to currency lever payment mode needs, corresponding user's fund account is set, user is received and pays or outside import
Fund；
According to the main body of the credit and debt, attribute of a relation and operational parameter, debt figure is set up between each user；Wherein, institute
State node set that debt figure includes being used for characterizing user, for characterize the oriented line set of debtor-creditor relationship between user,
For characterizing between user the corresponding service rate set of undirected line set, the node set of incidence relation and described having
To the corresponding directed edge attribute set of line set；Node set for characterizing user's independence；Section for characterizing user
Point attribute set；
Determine that user's debt graph structure includes multiuser architecture, two users' structure and isolated user structure and complicated user in debt net
Structure, and include the complicated debt figure developed with this basis；
Need to set user's fund account, including basic account, leverage fund account, other functions according to paying by currency lever
At least one of account；
The leverage fund of the corresponding user of debt structure is determined according to credit and debt main body, relation, the amount of money and operational parameter；Receive user
Pay or the outside leverage fund imported；Based on the leverage fund, to multiuser architecture, two users' structure and complicated debt figure pair
The credit and debt answered, progress moment pays simultaneously in user's fund account；Absolute construction user can directly be paid.
2. according to the method described in claim 1, it is characterised in that joined according to the credit and debt attribute and the computing
Number, debt figure is set up between each user to be included：
The debt side and credits side in credit and debt both sides are determined, and is characterizing the first node of debt side with characterizing credits side
Oriented line is set up between Section Point, the direction of the oriented line is to point to the Section Point from the first node；
Wherein, the oriented line going out while and as when entering of the Section Point as the first node, wherein, go out side and
Enter side corresponding with out-degree and in-degree respectively.
3. according to the method described in claim 1, it is characterised in that methods described also includes：
Determine that affiliated party at least needs two users, and set up undirected between each node of at least two user is characterized
Line.
4. according to the method described in claim 1, it is characterised in that body attribute figure is determined in debt graph structure：By entity
Matter, principal classes, scale of operation, region substep, industry, index classification；Amount of money attributed graph：Amount of money size, phase time according to plan
The how many attributed graph in limit, validity, frequency, discrepancy side；Parameter attribute figure：By leverage fund rate, last-of-chain in payment earning rate, chain
Leverage fund rate, apportionment ratio, the attributed graph of service rate and debt index.
5. method according to claim 4, it is characterised in that related debt graph model is determined in the debt figure, using list
Machine formula, centralization, distribution or parallel processing plan；Wherein from figure point, multiuser architecture, two users' structure and solely are included
Vertical structure and the labyrinth developed based on this；Dividing in dependence feature includes subjective relationship figure, credit and debt data
Figure, attributed relational graph.
6. according to the method described in claim 1, it is characterised in that methods described also includes：
According to the currency lever payment mode needs, set fund account include basic account, currency leverage fund account, its
At least one of its function account.
7. method according to claim 6, it is characterised in that methods described also includes：
The currency leverage fund refers to that all users pay or imported on the debt figure according to lever principle, picked up, can be successively
Disbursing funds for debt graph structure is carried out simultaneously；The operational parameter includes：The chain first payment earning rate=(money that 1- first-in-chain(FIC)s are paid
Gold/chain lever payment) * 100%；Leverage fund rate=(fund that user pays in certain chain/chain lever payment gold in chain
Volume) * 100%；Last-of-chain gathering allowance rate=(fund that last-of-chain user gives a discount to credits capital/chain lever payment) *
100%.
8. method according to claim 7, it is characterised in that methods described also includes：
Debt ring structure is paid, and is referred to import fund by minimum dollar amount in debt ring, one is received successively in all participation user accounts
One pair, all users complete revenue and expenditure simultaneously；
Debt chain structure is paid, and is referred in debt chain by minimum dollar amount, each user pays fund according to setting condition of controlling oneself or led
Enter the external sources of finance, from first-in-chain(FIC) user to last-of-chain user after collecting, one one pair, institute are received successively in all participation user's fund accounts
There is user while completing revenue and expenditure；
Debt tree construction is paid, and the standard of every debt chain pays fund or imports the external sources of finance in debt tree construction is referred to, and collects debt tree
All debt chains participate in the fund or the importing external sources of finance that user pays, from debt tree head end to end, in all participation user's funds
One one pair is received simultaneously successively in account, all users complete revenue and expenditure simultaneously；
Two users' structure is paid, and is referred to by debt or amount of obligation, and user pays according to setting condition of controlling oneself or by outside importing
Fund, is paid between two users；
Absolute construction is paid, and is that user directly initiates money transfer payments behavior in absolute construction.
9. method according to claim 8, it is characterised in that methods described also includes：
Currency lever, which is paid, needs certain program, and described program includes supplementing with money, withdraw deposit, publicity, hand over money, payments, download document
At least one of.
10. a kind of currency lever payment system for credit and debt, it is characterised in that the payment system includes：
Log-on message receiving unit, the log-on message for receiving user, and according to the credits of log-on message registration user
Debt attribute；Wherein, the credit and debt attribute includes credit and debt both sides, affiliated party, body attribute；Amount of obligation, debt
At least one of the amount of money, amount of money time limit, credit and debt classification；
Operational parameter receiving unit, the operational parameter for receiving user's setting；The operational parameter include the controlled disbursement amount of money,
At least one of payment earning rate, gathering allowance rate, leverage fund rate, service rate, time limit, apportionment ratio；
Structure determination unit, for computing user set debtor-creditor relationship attribute and operational parameter, determine multiuser architecture,
Two users' structure and at least one of absolute construction and labyrinth；
Fund receiving unit, for according to currency lever payment mode needs, setting corresponding user's fund account, receives user
Pay or the outside fund imported；
Debt figure sets up unit, for the main body according to the credit and debt, attribute of a relation and operational parameter, between each user
Set up debt figure；Wherein, the debt figure includes being used for characterizing user node set, close for characterizing credit and debt between user
The oriented line set of system, undirected line set, the corresponding service charge of the node set for characterizing incidence relation between user
Rate set and the corresponding directed edge attribute set of the oriented line set；Node set for characterizing user's independence；
Nodal community set for characterizing user；
Debt figure develops unit, for determining that user's debt graph structure includes multiuser architecture, two users' structure and independence in debt net
User structure and complicated user structure, and include the complicated debt figure developed with this basis；
Account setting unit, for needing setting user's fund account, including basic account, lever according to by the payment of currency lever
At least one of fund account, other function accounts；
Payment unit, the lever for determining the corresponding user of debt structure according to credit and debt main body, relation, the amount of money and operational parameter
Fund；User is received to pay or the outside leverage fund imported；Based on the leverage fund, multiuser architecture, two users are tied
Structure credit and debt corresponding with complicated debt figure, progress moment pays simultaneously in user's fund account；Absolute construction user can be straight
Tap into capable payment.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710332246.2A CN107169868A (en) | 2017-05-12 | 2017-05-12 | A kind of currency lever method of payment and system for credit and debt |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710332246.2A CN107169868A (en) | 2017-05-12 | 2017-05-12 | A kind of currency lever method of payment and system for credit and debt |
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| CN107169868A true CN107169868A (en) | 2017-09-15 |
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| CN201710332246.2A Pending CN107169868A (en) | 2017-05-12 | 2017-05-12 | A kind of currency lever method of payment and system for credit and debt |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108765139A (en) * | 2018-06-01 | 2018-11-06 | 北京阿尔山金融科技有限公司 | Assignment of credit monitoring method and device |
| CN109191097A (en) * | 2017-12-29 | 2019-01-11 | 青岛环链收付网络科技有限公司 | The specified chain type method of payment for flowing through flow direction and loop chain share receipt and payment platform |
| CN109993517A (en) * | 2017-12-29 | 2019-07-09 | 青岛有容发展有限公司 | Instant chain type method of payment, computer equipment and storage medium |
| CN111383105A (en) * | 2020-04-02 | 2020-07-07 | 中国工商银行股份有限公司 | Debt cleaning method and system |
| CN112308562A (en) * | 2020-11-09 | 2021-02-02 | 青岛有容信息科技有限公司 | Payment plan customization chain, operation method, computer device and readable storage medium |
-
2017
- 2017-05-12 CN CN201710332246.2A patent/CN107169868A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109191097A (en) * | 2017-12-29 | 2019-01-11 | 青岛环链收付网络科技有限公司 | The specified chain type method of payment for flowing through flow direction and loop chain share receipt and payment platform |
| CN109993517A (en) * | 2017-12-29 | 2019-07-09 | 青岛有容发展有限公司 | Instant chain type method of payment, computer equipment and storage medium |
| CN108765139A (en) * | 2018-06-01 | 2018-11-06 | 北京阿尔山金融科技有限公司 | Assignment of credit monitoring method and device |
| CN111383105A (en) * | 2020-04-02 | 2020-07-07 | 中国工商银行股份有限公司 | Debt cleaning method and system |
| CN112308562A (en) * | 2020-11-09 | 2021-02-02 | 青岛有容信息科技有限公司 | Payment plan customization chain, operation method, computer device and readable storage medium |
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Address after: 266510 1, 367, Qian Wan Gang Road, Huangdao District, Qingdao, Shandong, China 367 Applicant after: Qingdao ring chain collection and payment network technology Co., Ltd. Address before: 266510 1, 367, Qian Wan Gang Road, Huangdao District, Qingdao, Shandong, China 367 Applicant before: Qingdao debt through network technology Co., Ltd. |
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Application publication date: 20170915 |