CN108229959A - Specified for receivables and payables flows to chain type method of payment and system - Google Patents

Specified for receivables and payables flows to chain type method of payment and system Download PDF

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Publication number
CN108229959A
CN108229959A CN201711486791.3A CN201711486791A CN108229959A CN 108229959 A CN108229959 A CN 108229959A CN 201711486791 A CN201711486791 A CN 201711486791A CN 108229959 A CN108229959 A CN 108229959A
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China
Prior art keywords
chain
user
payment
debt
payables
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徐乐家
贺才贵
郗富琦
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Qingdao Ring Chain Collection And Payment Network Technology Co Ltd
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Qingdao Ring Chain Collection And Payment Network Technology Co Ltd
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Priority to CN201711486791.3A priority Critical patent/CN108229959A/en
Publication of CN108229959A publication Critical patent/CN108229959A/en
Priority to CN201810994320.1A priority patent/CN109191097A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses chain type method of payment and system is flowed to for the specified of receivables and payables, the method for payment includes:The log-on message of user is received, and the receivables and payables detail account of user is registered according to the log-on message;Operational parameter set by user is received, the operational parameter includes at least one of last-of-chain collection expenses rate, service rate, time limit, apportionment ratio, priority in first-in-chain(FIC) Payment Plan, chain;According to the receivables and payables body attribute, receivables and payables existing for real world are mapped into data loop chain receipt and payment platform to form debt figure, are filtered out in the debt figure including receivables and payables chain and labyrinth chain;Chain type payment mode demand setting user's fund account is flowed to according to specified, first-in-chain(FIC) user imports alone fund, and primary payment moment is sequentially completed the receipt and payment of account due account payable between multi-user.During receipt and payment, receipt and payment expense only need to be reduced by expense standard, greatly facilitates user without paying related receipt and payment expense to last-of-chain user in chain.

Description

Specified for receivables and payables flows to chain type method of payment and system
Technical field
It is more particularly to a kind of for accounts receivable and the specified flow direction of accounts payable this application involves Internet technical field Chain type receipt and payment method and system.
Background technology
With the development of economy, the receivables and payables between main market players in terms of macroscopic view are increasingly numerous and jumbled, and formation one is crisscross Complicated network.As on the micro level, Market competition, main market players's receivables and payables turnaround speed is slack-off, precipitation, chance into Sheet, time cost, finance costs are seriously affecting the competitiveness and innovation ability of each main body in market.
Under traditional mode, on the one hand receipt and payment need a large amount of currency, another aspect receipt and payment efficiency is slowly low, entire net Network receipt and payment circulation is not smooth, is the basic reason of the economic developments problems such as currency super generating mobility, high lever, inflation.
Invention content
The application be designed to provide it is a kind of flow to chain type receipt and payment method and system for the specified of receivables and payables, can One fund once pays the receipt and payment completed simultaneously between multi-user, and receipt and payment are efficient, and fund, which flows through, flows to specific direction, completes Specific purpose or demand.
To achieve the above object, this application provides a kind of specified chain type receipt and payment method for receivables and payables, based on ring Chain receipt and payment platform initiates to pay the bill in first-in-chain(FIC) user;In chain and last-of-chain user need not pay receipt and payment expense, and directly press receiving fees With parameter and standard, collection expenses is reduced from the fund received;
The receipt and payment expense that last-of-chain user reduces in chain is summarized by loop chain receipt and payment platform to be turned to pay as first-in-chain(FIC) user, is received as payment Benefit;First-in-chain(FIC) user-pay is encouraged, changes payment idea.
The fund payment of first-in-chain(FIC) flows to node by flowing through for setting, and reaches specific purpose or demand.
Its first-in-chain(FIC) imports a fund and once pays, and moment is sequentially completed the payment of receivables and payables between multi-user, and receives It pays fund size and presents size reduction mode with the length of chain, user presets fund on loop chain receipt and payment platform and flows through or flow to;
The method includes:
S10. it receives the log-on message of user, and the receivables and payables amount of money of user and receivable is registered according to the log-on message Deal with attribute;The wherein described amount of money includes amount receivable, amount payable, amount of money time limit and receivables and payables classification;It is described receivable Deal with attribute include receivables and payables both sides main body, in chain operation user-association side main body and body attribute and its classify;
S20 first, receives the Payment Plan of user, receives operational parameter set by user, paying including first-in-chain(FIC) user The receivables and payables amount of money, user property, time limit of payment, and/or payment priority and gathering parameter, the receipts in the money amount of money, chain Money parameter includes in chain/last-of-chain collection expenses rate;
Receive first-in-chain(FIC) user setting funds flow, refer to user or loop chain receipt and payment platform according to user information, trade information, Area information, temporal information, specific purpose or demand and policy information acquire setting in advance;
Loop chain receipt and payment platform extracts the debt of receivables and payables chain according to Payment Plan and receivables and payables relationship, funds flow etc. Chain, determines at least one user's receivables and payables chain, and user's receivables and payables chain includes the debt chain of complicated chain structure;
First-in-chain(FIC) user imports fund and carries out chain type receipt and payment, and the collection expenses of user does not have to pay wherein in chain, what is received It is directly reduced in fund, in terms of entire chain, receipt and payment amount of money journey decrement states, and flow through first-in-chain(FIC) user and specify flow direction;
Again, chain type receipt and payment pattern needs are flowed to according to specified, user's loop chain receipt and payment platform fund account, reception chain is set First user pays or the external fund imported;
S30, according to the receivables and payables user agent, attribute of a relation and operational parameter, Payment Plan and specified stream To establishing debt figure between each receivables and payables user;Wherein, debt figure includes characterizing the node set of user, being used for The oriented line set of receivables and payables relationship between characterization user, for characterizing the undirected line set of incidence relation, section between user The corresponding rate set of point set, the corresponding directed edge attribute set of oriented line set, the section for characterizing user's independence Point set, for the nodal community set that characterizes user and for characterizing the specified node set for flowing to node users;
S40 determines that user includes multi-user's chain structure, and includes the compound catenary developed with this basis in the debt figure Formula structure;Again, chain type receipt and payment pattern needs are flowed to according to specified, user's loop chain receipt and payment platform fund account is set, for connecing Receive the fund that first-in-chain(FIC) user pays or outside imports;
S50 flows to chain type receipt and payment fund, in the money for the user that user's receivables and payables chain participates in based on described specify In golden account, a fund is imported by first-in-chain(FIC) user and is once paid, moment is sequentially completed account due account payable between multi-user Payment, and complete the specified receipt and payment for flowing to node users.
Wherein, it in S40, needs to set user's fund account by the specified chain type receipt and payment method that flows to according to described, including Basic account, the golden account of locking, and/or electric ticket account.
Wherein, in S20, according to first-in-chain(FIC) user-pay plan, specified flow direction plan, receivables and payables main body, relationship, receivable Amount payable and operational parameter determine the chain structure;
Wherein, in S20, the payment fund that first-in-chain(FIC) user imports is received;Based on the payment fund, to the chain type knot Structure is once paid, and moment is sequentially completed the receipt and payment between multi-user, and completes the specified receipt and payment for flowing to node users.It is receiving During paying, user's receipt and payment expense, pole only need to be reduced by expense standard without paying related receipt and payment expense to last-of-chain user in chain Facilitate user greatly.While loop chain receipt and payment platform summarizes receipt and payment expense and pays first-in-chain(FIC) user, as payment income, encourages chain down payment Money encourages fund flow in chain, while completes to specify and flow to receipt and payment, completes specific purpose or demand;Loop chain receipt and payment platform takes Wherein a part of service charge.
Wherein, in S30, operational parameter described in the receivables and payables attribute and S20 in the S10, each Debt chain structure is established between user, it is as follows to establish debt chain structure method:
First, determine that debit answers in the characterization side of dealing with and characterization in receivables and payables both sides;Then the of the characterization side of dealing with One node and characterization establish oriented line between answering the second node of debit, and the direction of the oriented line is from the first segment Point is directed toward the second node;Wherein, the oriented line goes out side and as the described second section as the first node Point enters side, wherein, it is corresponding with out-degree and in-degree respectively when going out while and entering;
Wherein, in S10, at least two users in affiliated party are determined, and characterizing each of at least two user Undirected line is established between a node;
Wherein, in S20, determine that first-in-chain(FIC) specifies the flow direction of fund, and in the flow direction for characterizing the chain;
Wherein, in S30, attributed graph is determined in debt graph structure, including,
Body attribute figure, by main nature, principal classes, scale of operation, region substep, industry and index classification;
Amount of money attributed graph, by Payment Plan, specified flow direction plan, amount of money size, time limit, validity, frequency, discrepancy How much classify on side;
Parameter attribute figure, by payment income, receipt and payment scale of charges in chain, last-of-chain collection expenses rate, apportionment ratio, service rate, And debt index classification.
Specified flow graph, by user information, trade information, area information, temporal information, specific purpose or demand and political affairs The settings such as plan information;
In S30, debt artwork is determined using standalone, centralization, distribution or parallel processing plan in the debt figure Type;Debt graph model divides from figure, includes multi-user's debt chain and labyrinth;Divide in debt graph model dependence feature and include main body Relational graph, credit and debt datagram and attributed relational graph, specified flow graph.
In S20, debt chain is divided into simple debt chain, chain first/more there are the MULTILAYER COMPOSITE debt chain and multichain of multiple branches The composite construction of last-of-chain;
Wherein, the pick-up method of the debt chain is:Under the premise of at least one node is determined, the chain is found, is screened Condition include first-in-chain(FIC), in chain, last-of-chain or the node being arbitrarily designated;
When finding debt chain according to the scheme of determined first-in-chain(FIC), first, first-in-chain(FIC) attribute set is determined;Then, first-in-chain(FIC) collection is traversed All nodes in conjunction;Secondly, each node looks for a next node in a manner of depth or range, with user-pay condition, fortune It is primary condition to calculate parameter and the amount of money, direction etc., and for the purpose of reaching user setting requirement;Finally, the chain is formed.System is still It can expand to pick up optimal chain on the basis of the chain.The program can generally generate the compound debt chain of simple chain and 1 first-in-chain(FIC);
When finding debt chain according to the scheme of determined chain interior joint, first, chain node attribute set is determined;Time then, All nodes in gathering are gone through in chain;Secondly, it is receivable and deal with both direction in a manner of depth or range and look for down from the node One node, and using user-pay condition, operational parameter and the amount of money and direction as primary condition, it will to reach user setting For the purpose of asking;Finally, the chain is formed;System is expanded to pick up optimal chain on the basis of from the chain base can still going out above.The program is general The compound debt chain of simple debt chain and multiple first-in-chain(FIC)s or multiple last-of-chains can be generated.
When finding debt chain according to the scheme of determining joint of the chain tail, first, joint of the chain tail attribute set is determined;Then, it traverses All nodes in last-of-chain set;Secondly, next node is looked in a manner of depth or range from the direction of the node credits, Using user-pay condition, operational parameter and the amount of money, direction as primary condition, for the purpose of reaching user's requirement;Finally, being formed should Chain;System is expanded to pick up optimal chain on the basis of from the chain base can still going out above.The program can generally generate simple debt chain and multiple The compound debt chain of first-in-chain(FIC) or multiple last-of-chains.
When finding debt chain according to the scheme for determining any one node, first, arbitrary node attribute set is determined;Time then, Go through all nodes in set;Secondly, it is looked for down in a manner of depth or breadth First from the direction that the node is receivable or deals with One node, and using user-pay condition, operational parameter and the amount of money and direction as primary condition, it will to reach user setting For the purpose of asking;Finally, the chain is formed;System can still be expanded to pick up optimal chain on the basis of the chain.The program can generally generate Simple debt chain and the compound debt chain of multiple first-in-chain(FIC)s or multiple last-of-chains.
Debt chain in S20 is debt tree construction, and debt tree construction includes divergence form debt tree and convergence type debt tree two types;
Wherein divergence form debt tree is in 1 node of first-in-chain(FIC) and chain and n node of last-of-chain form;
Wherein convergence type debt tree is formed with the chain structure of 1 node of n node in first-in-chain(FIC) and chain and last-of-chain;
In S20, one side of user-association side externally has receivable in chain, and the opposing party externally deals with.
When first-in-chain(FIC) determines, principle is looked for by every debt chain, with user-pay condition, specified flow direction, operational parameter and gold Volume, direction etc. are primary condition, all to meet user demand or specific purpose debt chain is compounded to form divergence form debt tree.
When last-of-chain determines, principle is sought by drawing for debt chain, with user-pay condition, specified flow direction, operational parameter and the amount of money, side It is all to meet user demand or the debt chain of specific purpose is compounded to form convergence type debt tree to waiting as primary condition.
Wherein, affiliated party both sides subjective relationship is close, and without receivables and payables relationship, one side of affiliated party externally has original between the two Receivable, the opposing party externally deals with, and vice versa;Preferably to solve respective receivables and payables, both sides are confirmed as affiliated party pass System is represented with equal sign "=", during loop chain receipt and payment, completes receipt and payment between association both sides.
Such as in chain A → B → C=D → M → Z payment process, wherein containing B is completed to C, C between D, payments of the D to M. Both sides are associated with completely voluntary, are understood completely, fulfils and is confirmed as relation of the relevant parts on the basis of legal procedure;As each son of group is public Relationships can all generate affiliated party between department etc..
The chain type payment mode receipt and payment fund is imported alone by first-in-chain(FIC) user, and fund is imported, and refer to without other users Determine fund and flow through flow direction, reach specific purpose or demand.
The specified program for flowing to chain type receipt and payment needs, the extraction including receivables and payables chain (flow to node containing specified flow through User's receipt and payment validation of information, the locking of the chain first payment, and/or download document in setting, chain;
To achieve the above object, the application also provides a kind of flows to chain type payment system, base for the specified of receivables and payables In loop chain receipt and payment platform, the system comprises:
Log-on message receiving unit is used to receive the log-on message of user, and registers user according to the log-on message The receivables and payables amount of money and receivables and payables attribute;The receivables and payables amount of money include amount receivable, amount payable, the amount of money time limit and Receivables and payables are classified, and the receivables and payables attribute includes receivables and payables both sides main body, affiliated party's main body and each body attribute;
Operational parameter receiving unit is used to receive operational parameter set by user;The operational parameter, which includes payment, to be counted Draw, specified flow direction plan, in chain with last-of-chain collection expenses rate (i.e. allowance rate), service rate, time limit and apportionment ratio;
Payment is specified to flow to unit, flow direction plan is specified to extract receivables and payables chain according to the payment of user, is led by user The fund that enters carries out receipt and payment, and flows through or flow to designated user, wherein designated user be big data loop chain receipt and payment platform according to Family information, trade information, area information, temporal information and policy information acquire setting in advance;
Debt figure establishes unit, is used for according to the credit and debt attribute and the operational parameter, each user it Between establish debt figure;Wherein, the debt figure includes for characterizing the node set of user, closing for characterizing credit and debt between user The oriented line set of system, the corresponding service rate collection of undirected line set, node set for characterizing incidence relation between user It closes, the corresponding directed edge attribute set of oriented line set and specified flow through flow to node set;
The debt figure is established unit and is included:
Oriented line establishes module, is used to determine the debt side and credits side in debt and credit both sides, and in characterization debt Establish oriented line between the first node of business side and the second node for characterizing credits side, the direction of the oriented line is from institute It states first node and is directed toward the second node;Wherein, the oriented line goes out side and as institute as the first node That states second node enters side, wherein, it is corresponding with out-degree and in-degree respectively when going out while and entering;
The debt figure is established unit and is further included:
Undirected line establishes module, is used to determine at least two users in affiliated party, and at least two described in characterization Undirected line is established between each node of a user;
This system further includes structure determination structural unit, is used for according to body attribute, parameter attribute and amount of money attribute Determine that multiuser architecture figure includes basic structure in the debt figure;Basic structure include multiuser architecture, two users' structure, with And isolated user structure;Basic structure is further included comprising using multiuser architecture, two users' structure and isolated user structure as base The complicated debt figure that plinth develops;Multiuser architecture includes debt ring, debt chain and divergent structure;
This system further includes capital management unit, supplements with money, withdraws deposit for user, handing over money, payment, account management, flow of payments Journey, Bill Management and rights management.
It is provided by the invention it is a kind of flow to chain type method of payment and system for the specified of receivables and payables, user is provided Receivables and payables data form debt graph structure, therefrom extract multi-user's chain structure, containing the complicated chain structure developed with this basis. Chain type payment principle is flowed to according to specified, and the dealing with, is receivable of user, Payment Plan forms chain structure, and first-in-chain(FIC) imports a reward for writing or painting Golden primary payment, and specified fund user one in the direction that flows through of chain, chain receives one pair, last-of-chain gathering, moment is sequentially completed The payment of receivables and payables between multi-user.Last-of-chain user does not have to pay related receipt and payment expense during receipt and payment in chain, need to only press Expenses standard reduces receipt and payment expense when collecting money, and preferably facilitates user.Platform, which summarizes receipt and payment expense, simultaneously pays first-in-chain(FIC) user, As chain first payment income.Another platform takes wherein a part of service charge.
Description of the drawings
Fig. 1 is the flow chart of the present invention.
Fig. 2 is the schematic diagram of the simple debt chain of the present invention.
Fig. 3 is the schematic diagram of the compound debt chain of n-layer of the present invention.
Fig. 4 is the schematic diagram of the multichain head multichain tail composite construction debt chains of the present invention.
Fig. 5 is the schematic diagram of divergent structure debt tree in the application.
Fig. 6 is convergence structure debt tree schematic diagram in the application.
Fig. 7 is the general frame in the application.
Fig. 8 is the schematic diagram of debt chain in the application.
Specific embodiment
The following examples are used to illustrate the present invention, but are not intended to limit the scope of the present invention..
Such as Fig. 1-8, the present embodiment provides a kind of assigned direction chain type receipt and payment methods for receivables and payables, are received based on loop chain Platform is paid, initiates to pay the bill in first-in-chain(FIC) user;In chain and last-of-chain user need not pay collection expenses, and directly join by collection expenses Number standard, reduces receipt and payment expense from the fund received;
The collection expenses that last-of-chain user reduces in chain is summarized by loop chain receipt and payment platform to be turned to pay as first-in-chain(FIC) user, is received as payment Benefit;First-in-chain(FIC) user-pay is encouraged, changes conventional payment idea.
The fund payment of first-in-chain(FIC) flows to node by flowing through for setting, and reaches specific purpose or demand.
Its first-in-chain(FIC) imports a fund and once pays, and moment is sequentially completed the payment of receivables and payables between multi-user, and receives It pays fund size and presents size reduction mode with the length of chain, user presets fund on big data loop chain receipt and payment platform and flows through or flow To;
The method includes:
S10. it receives the log-on message of user, and the receivables and payables amount of money of user and receivable is registered according to the log-on message Deal with attribute;The wherein described amount of money includes amount receivable, amount payable, amount of money time limit and receivables and payables classification;It is described receivable Deal with attribute include receivables and payables both sides main body, affiliated party's main body and body attribute and its classify;
S20 first, receives the Payment Plan of user, receives operational parameter set by user, paying including first-in-chain(FIC) user The receivables and payables amount of money, user property, time limit of payment, and/or payment priority and gathering parameter, the receipts in the money amount of money, chain Money parameter includes in chain/last-of-chain collection expenses rate;
Receive first-in-chain(FIC) user setting funds flow, refer to user or loop chain receipt and payment platform according to user information, trade information, Area information, temporal information, specific purpose or demand and policy information acquire setting in advance;
Loop chain receipt and payment platform extracts the debt of receivables and payables chain according to Payment Plan and receivables and payables relationship, funds flow etc. Chain, determines at least one user's receivables and payables chain, and user's receivables and payables chain includes the debt chain of complicated chain structure;
First-in-chain(FIC) user imports fund and carries out chain type receipt and payment, and the collection expenses of user does not have to pay wherein in chain, what is received It is directly reduced in fund, in terms of entire chain, receipt and payment amount of money journey decrement states, and flow through first-in-chain(FIC) user and specify flow direction;
Again, chain type receipt and payment pattern needs are flowed to according to specified, user's loop chain receipt and payment platform fund account, reception chain is set First user pays or the external fund imported;
S30, according to the receivables and payables user agent, attribute of a relation and operational parameter, Payment Plan and specified stream To establishing debt figure between each receivables and payables user;Wherein, debt figure includes characterizing the node set of user, being used for The oriented line set of receivables and payables relationship between characterization user, for characterizing the undirected line set of incidence relation, section between user The corresponding rate set of point set, the corresponding directed edge attribute set of oriented line set, the section for characterizing user's independence Point set, for the nodal community set that characterizes user and for characterizing the specified node set for flowing to node users;
S40 determines that user includes multi-user's chain structure, and includes the compound catenary developed with this basis in the debt figure Formula structure;Again, chain type receipt and payment pattern needs are flowed to according to specified, user's loop chain receipt and payment platform fund account is set, for connecing Receive the fund that first-in-chain(FIC) user pays or outside imports;
S50 flows to chain type receipt and payment fund, in the money for the user that user's receivables and payables chain participates in based on described specify In golden account, a fund is imported by first-in-chain(FIC) user and is once paid, moment is sequentially completed account due account payable between multi-user Payment, and complete the specified receipt and payment for flowing to node users.
Wherein, it in S40, needs to set user's fund account by the specified chain type receipt and payment method that flows to according to described, including Basic account, the golden account of locking, and/or electric ticket account.
Wherein, in S20, according to first-in-chain(FIC) user-pay plan, specified flow direction plan, receivables and payables main body, relationship, receivable Amount payable and operational parameter determine the chain structure;
Wherein, in S20, the payment fund that first-in-chain(FIC) user imports is received;Based on the payment fund, to the chain type knot Structure is once paid, and moment is sequentially completed the receipt and payment between multi-user, and completes the specified receipt and payment for flowing to node users.It is receiving During paying, user's receipt and payment expense, pole only need to be reduced by expense standard without paying related receipt and payment expense to last-of-chain user in chain Facilitate user greatly.While loop chain receipt and payment platform summarizes receipt and payment expense and pays first-in-chain(FIC) user, as payment income, encourages chain down payment Money encourages fund flow in chain, while completes to specify and flow to receipt and payment, completes specific purpose or demand;Loop chain receipt and payment platform takes Wherein a part of service charge.
Wherein, in S30, operational parameter described in the receivables and payables attribute and S20 in the S10, each Debt chain structure is established between user, it is as follows to establish debt chain structure method:
First, determine that debit answers in the characterization side of dealing with and characterization in receivables and payables both sides;Then the of the characterization side of dealing with One node and characterization establish oriented line between answering the second node of debit, and the direction of the oriented line is from the first segment Point is directed toward the second node;Wherein, the oriented line goes out side and as the described second section as the first node Point enters side, wherein, it is corresponding with out-degree and in-degree respectively when going out while and entering;
Wherein, in S10, at least two users in affiliated party are determined, and characterizing each of at least two user Undirected line is established between a node;
Wherein, in S20, determine that first-in-chain(FIC) specifies the flow direction of fund, and in the flow direction for characterizing the chain;
Wherein, in S30, attributed graph is determined in debt graph structure, including,
Body attribute figure, by main nature, principal classes, scale of operation, region substep, industry and index classification;
Amount of money attributed graph, by Payment Plan, specified flow direction plan, amount of money size, time limit, validity, frequency, discrepancy How much classify on side;
Parameter attribute figure, by payment income, receipt and payment scale of charges in chain, last-of-chain collection expenses rate, apportionment ratio, service rate, And debt index classification.
In S30, debt artwork is determined using standalone, centralization, distribution or parallel processing plan in the debt figure Type;Debt graph model divides from figure, includes multi-user's debt chain and labyrinth;Divide in debt graph model dependence feature and include main body Relational graph, credit and debt datagram and attributed relational graph.
In S20, debt chain is divided into simple debt chain, chain first/more there are the MULTILAYER COMPOSITE debt chain and multichain of multiple branches The composite construction of last-of-chain;
Wherein, the pick-up method of the debt chain is:Under the premise of at least one node is determined, the chain is found, is screened Condition include first-in-chain(FIC), in chain, last-of-chain or the node being arbitrarily designated;
When finding debt chain according to the scheme of determined first-in-chain(FIC), first, first-in-chain(FIC) attribute set is determined;Then, first-in-chain(FIC) collection is traversed All nodes in conjunction;Secondly, each node looks for a next node in a manner of depth or range, with user-pay condition, fortune It is primary condition to calculate parameter and the amount of money, direction etc., and for the purpose of reaching user setting requirement;Finally, the chain is formed.System is still It can expand to pick up optimal chain on the basis of the chain.The program can generally generate the compound debt chain of simple chain and 1 first-in-chain(FIC);
When finding debt chain according to the scheme of determined chain interior joint, first, chain node attribute set is determined;Time then, All nodes in gathering are gone through in chain;Secondly, it is receivable and deal with both direction in a manner of depth or range and look for down from the node One node, and using user-pay condition, operational parameter and the amount of money and direction as primary condition, it will to reach user setting For the purpose of asking;Finally, the chain is formed;System is expanded to pick up optimal chain on the basis of from the chain base can still going out above.The program is general The compound debt chain of simple debt chain and multiple first-in-chain(FIC)s or multiple last-of-chains can be generated.
When finding debt chain according to the scheme of determining joint of the chain tail, first, joint of the chain tail attribute set is determined;Then, it traverses All nodes in last-of-chain set;Secondly, next node is looked in a manner of depth or range from the direction of the node credits, Using user-pay condition, operational parameter and the amount of money, direction as primary condition, for the purpose of reaching user's requirement;Finally, being formed should Chain;System is expanded to pick up optimal chain on the basis of from the chain base can still going out above.The program can generally generate simple debt chain and multiple The compound debt chain of first-in-chain(FIC) or multiple last-of-chains.
When finding debt chain according to the scheme for determining any one node, first, arbitrary node attribute set is determined;Time then, Go through all nodes in set;Secondly, it is looked for down in a manner of depth or breadth First from the direction that the node is receivable or deals with One node, and using user-pay condition, operational parameter and the amount of money and direction as primary condition, it will to reach user setting For the purpose of asking;Finally, the chain is formed;System can still be expanded to pick up optimal chain on the basis of the chain.The program can generally generate Simple debt chain and the compound debt chain of multiple first-in-chain(FIC)s or multiple last-of-chains.
Debt chain in S20 is debt tree construction, and debt tree construction includes divergence form debt tree and convergence type debt tree two types;
Wherein divergence form debt tree is in 1 node of first-in-chain(FIC) and chain and n node of last-of-chain form;
Wherein convergence type debt tree is formed with the chain structure of 1 node of n node in first-in-chain(FIC) and chain and last-of-chain;
In S20, one side of user-association side externally has receivable in chain, and the opposing party externally deals with.
When first-in-chain(FIC) determines, principle is looked for by every debt chain, with user-pay condition, specified flow direction, operational parameter and gold Volume, direction etc. are primary condition, all to meet user demand or specific purpose debt chain is compounded to form divergence form debt tree.
When last-of-chain determines, principle is sought by drawing for debt chain, with user-pay condition, specified flow direction, operational parameter and the amount of money, side It is all to meet user demand or the debt chain of specific purpose is compounded to form convergence type debt tree to waiting as primary condition.
Wherein, affiliated party both sides subjective relationship is close, and without receivables and payables relationship, one side of affiliated party externally has original between the two Receivable, the opposing party externally deals with, and vice versa;Preferably to solve respective receivables and payables, both sides are confirmed as affiliated party pass System is represented with equal sign "=", during loop chain receipt and payment, completes receipt and payment between association both sides.
Such as in chain A → B → C=D → M → Z lever payment process, wherein completing B to C, C to payments of the DD to M.Association Both sides understand completely completely voluntary, fulfil and are confirmed as relation of the relevant parts on the basis of legal procedure;As each subsidiary of group it Between etc. relationships can all generate affiliated party.
The chain type payment mode receipt and payment fund is imported alone by first-in-chain(FIC) user, and fund is imported, and refer to without other users Determine fund and flow through flow direction, reach specific purpose or demand.
The specified program for flowing to chain type receipt and payment needs, the extraction including receivables and payables chain (flow to node containing specified flow through Setting), last-of-chain user payment information of collecting money determines, the chain first payment, and/or downloads document in chain;
To achieve the above object, the application also provides a kind of flows to chain type payment system, base for the specified of receivables and payables In loop chain receipt and payment platform, the system comprises:
Log-on message receiving unit is used to receive the log-on message of user, and registers user according to the log-on message The receivables and payables amount of money and receivables and payables attribute;The receivables and payables amount of money include amount receivable, amount payable, the amount of money time limit and Receivables and payables are classified, and the receivables and payables attribute includes receivables and payables both sides main body, affiliated party's main body and each body attribute;
Operational parameter receiving unit is used to receive operational parameter set by user;The operational parameter, which includes payment, to be counted Draw, specified flow direction plan, in chain with last-of-chain collection expenses rate (i.e. allowance rate), service rate, time limit and apportionment ratio;
Payment is specified to flow to unit, flow direction plan is specified to extract receivables and payables chain according to the payment of user, is led by user The fund that enters carries out receipt and payment, and flows through or flow to designated user, wherein designated user be user or loop chain receipt and payment platform according to Family information, trade information, area information, temporal information and policy information acquire setting in advance;
Debt figure establishes unit, is used for according to the credit and debt attribute and the operational parameter, each user it Between establish debt figure;Wherein, the debt figure includes for characterizing the node set of user, closing for characterizing credit and debt between user The oriented line set of system, the corresponding service rate collection of undirected line set, node set for characterizing incidence relation between user It closes, the corresponding directed edge attribute set of oriented line set and specified flow through flow to node set;
The debt figure is established unit and is included:
Oriented line establishes module, is used to determine the debt side and credits side in debt and credit both sides, and in characterization debt Establish oriented line between the first node of business side and the second node for characterizing credits side, the direction of the oriented line is from institute It states first node and is directed toward the second node;Wherein, the oriented line goes out side and as institute as the first node That states second node enters side, wherein, it is corresponding with out-degree and in-degree respectively when going out while and entering;
The debt figure is established unit and is further included:
Undirected line establishes module, is used to determine at least two users in affiliated party, and at least two described in characterization Undirected line is established between each node of a user;
This system further includes structure determination structural unit, is used for according to body attribute, parameter attribute and amount of money attribute Determine that multiuser architecture figure includes basic structure in the debt figure;Basic structure include multiuser architecture, two users' structure, with And isolated user structure;Basic structure is further included comprising using multiuser architecture, two users' structure and isolated user structure as base The complicated debt figure that plinth develops;Multiuser architecture includes debt ring, debt chain and divergent structure;
This system further includes capital management unit, supplements with money, withdraws deposit for user, handing over money, payment, account management, flow of payments Journey, Bill Management and rights management.
It is provided by the invention it is a kind of flow to chain type method of payment and system for the specified of receivables and payables, user is provided Receivables and payables data form debt graph structure, therefrom extract multi-user's chain structure, containing the complicated chain structure developed with this basis. Chain type payment principle is flowed to according to specified, and the dealing with, is receivable of user, Payment Plan forms chain structure, and first-in-chain(FIC) imports a reward for writing or painting Golden primary payment, and specified fund user one in the direction that flows through of chain, chain receives one pair, last-of-chain gathering, moment is sequentially completed The payment of receivables and payables between multi-user.Last-of-chain user does not have to pay related receipt and payment expense during receipt and payment in chain, need to only press Expenses standard reduces receipt and payment expense when collecting money, and preferably facilitates user.Platform, which summarizes receipt and payment expense, simultaneously pays first-in-chain(FIC) user, As chain first payment income.Another platform takes wherein a part of service charge.
Traditional receipt and payment mode, a fund once pay the receipt and payment that can be only done between two users.Loop chain receipt and payment mode, one Fund is once paid, and can complete the receipt and payment of more users and the bigger amount of money moment.It is loop chain to specify and flow to chain type payment mode On the one hand important a kind of loop chain receipt and payment mode in receipt and payment platform can efficiently dissolve economy and finance risk, neutralizing economy and finance hair Open up problem;On the other hand the new engine of the new kinetic energy of economic development can be made, helps to push supply side reform, deepen economic structure tune It is whole, economic ecosystem is built, great Chinese dream is realized in the more preferable economic development of power-assisted.
Although above having used general explanation and specific embodiment, the present invention is described in detail, at this On the basis of invention, it can be made some modifications or improvements, this will be apparent to those skilled in the art.Therefore, These modifications or improvements without departing from theon the basis of the spirit of the present invention belong to the scope of protection of present invention.

Claims (7)

1. a kind of flow to chain type receipt and payment method for the specified of receivables and payables, which is characterized in that based on loop chain receipt and payment platform, First-in-chain(FIC) user initiates payment;In chain and last-of-chain user need not pay collection expenses, and directly by collection expenses parameter and standard, from receipts To fund in reduce collection expenses;
The collection expenses that last-of-chain user reduces in chain is summarized by loop chain receipt and payment platform to be turned to pay as first-in-chain(FIC) user, as payment income;
Its first-in-chain(FIC) imports a fund and once pays, and is sequentially completed the payment of receivables and payables between multi-user, and receipt and payment fund is big The small length with chain presents size reduction mode, and user presets fund on big data loop chain receipt and payment platform and flows through or refer to through first-in-chain(FIC) user Constant current to;
The method includes:
S10. the log-on message of user is received, and the receivables and payables amount of money and the receivables and payables of user are registered according to the log-on message Attribute;The wherein described amount of money includes amount receivable, amount payable, amount of money time limit and receivables and payables classification;The receivables and payables Attribute includes user receivables and payables both sides main body, in chain operation user-association side main body and body attribute and its classify;
S20 first, receives the Payment Plan of user, receives operational parameter set by user, operational parameter it include first-in-chain(FIC) user Payment Amount, the receivables and payables amount of money, user property, time limit of payment, gathering parameter, and/or payment priority in chain;The receipts Money parameter includes in chain/last-of-chain collection expenses rate;
Secondly, loop chain receipt and payment platform is carried according to Payment Plan and the funds flow of receivables and payables relationship and first-in-chain(FIC) user setting The debt chain of receivables and payables chain is taken, determines at least one user's receivables and payables chain, user's receivables and payables chain includes complicated chain type knot The debt chain of structure;
S30 according to the receivables and payables user agent, attribute of a relation and operational parameter, Payment Plan and specifies flow direction, Debt figure is established between each receivables and payables user;Wherein, debt figure includes for characterizing the node set of user, using for characterizing The oriented line set of receivables and payables relationship between family, undirected line set, node set for characterizing incidence relation between user The corresponding directed edge attribute set of corresponding rate set, oriented line set, for characterize the node set of user's independence, For the nodal community set for characterizing user and for characterizing the specified node set for flowing to node users;
S40 determines that user includes multi-user's chain structure, and includes the complicated chain type knot developed with this basis in the debt figure Structure;Again, chain type receipt and payment pattern needs are flowed to according to specified, user's loop chain receipt and payment platform fund account is set, for reception chain First user pays or the external fund imported;
S50 flows to chain type receipt and payment fund, in the account of the exchequer for the user that user's receivables and payables chain participates in based on described specify In number, a fund is imported by first-in-chain(FIC) user and is once paid, is sequentially completed the payment of account due account payable between multi-user, and complete Into the specified receipt and payment for flowing to node users;
Wherein, it in S50, needs to set user's fund account by the specified chain type receipt and payment method that flows to according to described, including basic Account, the golden account of locking, and/or electric ticket account;
Wherein, in S40, according to the plan of first-in-chain(FIC) user-pay, specified flow direction plan, receivables and payables main body, relationship, receivables and payables The amount of money and operational parameter determine the chain structure;
Wherein, in S30, operational parameter described in the receivables and payables attribute and S20 in the S10, in each user Between establish debt chain structure, it is as follows to establish debt chain structure method:
First, determine that debit answers in the characterization side of dealing with and characterization in receivables and payables both sides;Then in the first segment of the characterization side of dealing with Point and characterization establish oriented line between answering the second node of debit, and the direction of the oriented line is refers to from the first node To the second node;Wherein, the oriented line goes out side and as the second node as the first node Enter side, wherein, it is corresponding with out-degree and in-degree respectively when going out while and entering.
2. according to claim 1 flow to chain type receipt and payment method for the specified of receivables and payables, which is characterized in that wherein, In S10, at least two users in affiliated party are determined, and established between each node for characterizing at least two user Undirected line;
Wherein, in S20, determine that first-in-chain(FIC) specifies the flow direction of fund, and in the flow direction for characterizing the chain;
In S20, the specified flow direction of fund refers to first-in-chain(FIC) user or loop chain receipt and payment platform according to user information, trade information, region Information, temporal information, specific purpose or demand and policy information acquire setting in advance;
Wherein, in S30, attributed graph is determined in debt graph structure, including,
Body attribute figure, by main nature, principal classes, scale of operation, region substep, industry and index classification;
Amount of money attributed graph is more by Payment Plan, specified flow direction plan, amount of money size, time limit, validity, frequency, the side that comes in and goes out Few classification;
Parameter attribute figure, by payment income, receipt and payment scale of charges in chain, last-of-chain collection expenses rate, apportionment ratio, service rate and Debt index classification.
3. according to claim 2 flow to chain type receipt and payment method for the specified of receivables and payables, which is characterized in that in S30 In, debt graph model is determined using standalone, centralization, distribution or parallel processing plan in the debt figure;Debt graph model from Divide on figure, include multi-user's debt chain and labyrinth;Point include subjective relationship figure in debt graph model dependence feature, receivable answer Pay datagram and attributed relational graph.
4. according to claim 3 flow to chain type receipt and payment method for the specified of receivables and payables, which is characterized in that in S20 In, debt chain is divided into simple debt chain, chain that there are the composite junctions of MULTILAYER COMPOSITE debt chain and multichain head/multichain tail of multiple branches Structure;
Wherein, the pick-up method of the debt chain is:Under the premise of at least one node is determined, the chain, screening conditions are found Including in first-in-chain(FIC), chain, last-of-chain or the node being arbitrarily designated;
When finding debt chain according to the scheme of determined first-in-chain(FIC), first, first-in-chain(FIC) attribute set is determined;Then, it traverses in first-in-chain(FIC) set All nodes;Secondly, each node looks for a next node in a manner of depth or range, is joined with user-pay condition, operation Number and the amount of money and direction are primary condition, and for the purpose of reaching user setting requirement;Finally, the chain is formed;
When finding debt chain according to the scheme of determined chain interior joint, first, chain node attribute set is determined;Then, chain is traversed All nodes in middle set;Secondly, from the node it is receivable and deal with both direction looked in a manner of depth or range it is next Node, and using user-pay condition, operational parameter and the amount of money and direction as primary condition, be to reach user setting requirement Purpose;Finally, the chain is formed;
When finding debt chain according to the scheme of determining joint of the chain tail, first, joint of the chain tail attribute set is determined;Then, last-of-chain is traversed All nodes in set;Secondly, look for next node in a manner of depth or range from the direction of the node credits, with The family terms of payment, operational parameter and the amount of money, direction are primary condition, for the purpose of reaching user's requirement;Finally, the chain is formed;
When finding debt chain according to the scheme for determining any one node, first, arbitrary node attribute set is determined;Then, traversal collection All nodes in conjunction;Secondly, it is looked in a manner of depth or breadth First from the direction that the node is receivable or deals with next Node, and using user-pay condition, operational parameter and the amount of money and direction as primary condition, be to reach user setting requirement Purpose;Finally, the chain is formed.
5. according to claim 4 flow to chain type receipt and payment method for the specified of receivables and payables, which is characterized in that in S20 In debt chain for debt tree construction, debt tree construction includes divergence form debt tree and convergence type debt tree two types;
Wherein divergence form debt tree is in 1 node of first-in-chain(FIC) and chain and n node of last-of-chain form;
Wherein convergence type debt tree is formed with the chain structure of 1 node of n node in first-in-chain(FIC) and chain and last-of-chain;
In S20, one side of user-association side externally has receivable in chain, and the opposing party externally deals with.
6. according to claim 5 flow to chain type receipt and payment method for the specified of receivables and payables, which is characterized in that specified stream The program needed to chain type receipt and payment, the extraction including receivables and payables chain, the locking of the chain first payment specify and flow through that flow to node true User, which collects money, in fixed, chain pays the bill, and/or downloads document.
7. a kind of flow to chain type payment system for the specified of receivables and payables, based on loop chain receipt and payment platform, which is characterized in that described System includes:
Log-on message receiving unit is used to receive the log-on message of user, and registers answering for user according to the log-on message Receive amount payable and receivables and payables attribute;The receivables and payables amount of money includes amount receivable, amount payable, amount of money time limit and receivable Classification is dealt with, the receivables and payables attribute includes receivables and payables both sides main body, affiliated party's main body and each body attribute;
Operational parameter receiving unit is used to receive operational parameter set by user;The operational parameter includes chain first payment meter Draw, specified flow direction plan, in chain with last-of-chain collection expenses rate, service rate, time limit and apportionment ratio;
Payment is specified to flow to unit, flow direction plan is specified to extract receivables and payables chain according to the payment of user, is imported by user Fund carries out receipt and payment, and flows through or flow to designated user, and wherein designated user is that user or loop chain receipt and payment platform are believed according to user Breath, trade information, area information, temporal information and policy information acquire setting in advance;
Debt figure establishes unit, is used to, according to the credit and debt attribute and the operational parameter, build between each user Vertical debt figure;Wherein, the debt figure is included for characterizing the node set of user, for characterizing debtor-creditor relationship between user Oriented line set, for characterizing the corresponding service rate set of undirected line set, node set of incidence relation between user, have Node set is flowed to the corresponding directed edge attribute set of line set and specified flow through;
The debt figure is established unit and is included:
Oriented line establishes module, is used to determine the debt side and credits side in debt and credit both sides, and in characterization debt side First node and characterize credits side second node between establish oriented line, the direction of the oriented line is from described the One node is directed toward the second node;Wherein, the oriented line goes out side and as described the as the first node Two nodes enter side, wherein, it is corresponding with out-degree and in-degree respectively when going out while and entering;
The debt figure is established unit and is further included:
Undirected line establishes module, is used to determine at least two users in affiliated party, and use characterizing described at least two Undirected line is established between each node at family;
The payment system further includes structure determination structural unit, is used for according to body attribute, parameter attribute and amount of money category Property;Determine that multiuser architecture figure includes basic structure in the debt figure;Basic structure includes multiuser architecture, two users tie Structure and isolated user structure;Basic structure is further included comprising with multiuser architecture, two users' structure and isolated user knot The complicated debt figure developed based on structure;Multiuser architecture includes debt ring, debt chain and divergent structure;
The payment system further includes capital management unit, supplements with money, withdraws deposit for user, handing over money, payment, account management, payment Flow, Bill Management and rights management.
CN201711486791.3A 2017-12-29 2017-12-29 Specified for receivables and payables flows to chain type method of payment and system Pending CN108229959A (en)

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