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 PDFInfo
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- 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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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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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
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.
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CN111680994B (en) * | 2020-06-08 | 2023-09-19 | 青岛有容信息科技有限公司 | Fund coding tracking method and device, computer equipment and readable storage medium |
CN111681053B (en) * | 2020-06-09 | 2023-09-22 | 青岛有容信息科技有限公司 | Pay-and-pay chain construction method and device, computer equipment and readable storage medium |
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CN107169868A (en) * | 2017-05-12 | 2017-09-15 | 青岛债债通网络科技有限公司 | A kind of currency lever method of payment and system for credit and debt |
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