CN110348979A - A method of polygon credit and debt, which is carried out, using closed loop data-link clears automatically - Google Patents
A method of polygon credit and debt, which is carried out, using closed loop data-link clears automatically Download PDFInfo
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- CN110348979A CN110348979A CN201910664853.8A CN201910664853A CN110348979A CN 110348979 A CN110348979 A CN 110348979A CN 201910664853 A CN201910664853 A CN 201910664853A CN 110348979 A CN110348979 A CN 110348979A
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Abstract
Carry out the method that polygon credit and debt is cleared automatically using closed loop data-link the present invention provides a kind of, this method by the automatic system for settling account of polygon credit and debt be made of account book subsystem, liability code-subsystem, clearance subsystem and general ledger subsystem；Polygon credit and debt based on foundation is cleared the liability that common recognition mechanism carries out between user automatically and is cleared, and common recognition mechanism includes liability encoding mechanism, coding strand closure clearance mechanism, monetary unit unified mechanism；By the real settlement of transactions relationship simulation of user to this liability system for settling account, closure clearing link is generated, liability clearance is carried out using the minimum dollar amount of liability as clearance common divisor, subtracts the credit and debt number between meter clearance opponent；The efficiency traded and settled accounts between user can be substantially improved, facilitate the drawbacks of solving chain debts or even polygonal debt, be conducive to vitalize circulating fund, mitigate liability burden.
Description
Technical field
The invention belongs to financial settlement field more particularly to it is a kind of using closed loop data-link carry out polygon credit and debt from
The method of dynamic clearance.
Background technique
It carries on trade between social economy's main body, exchange, tax revenue, debt-credit, the activities such as labor service can generate in a crisscross manner
Economic balance relationship generally select legal tender for the clearing for completing these economic balance relationships with bank money, third party
Payment, cash or the modes such as barter are realized, as being usually present receivable, accounts payable in business finance account book, for complete it is receivable,
The clearing of accounts payable need money-capital and participate in clearing, when such as some transaction agent because payment funding difficulty causes to delay to tie
When calculation, the settlement efficiency on a transaction chain between All Activity main body, chain debts easy to form and polygonal debt are influenced whether,
It is unfavorable for economic development.Currently, it the internet payments clearing technology such as is transferred accounts by bank net, Alipay, wechat, it is convenient, have
Effect improves settlement of transactions efficiency, but these transaction settlement method applications, has required real fund, and pass through clearing intermediary
It realizes.
Using network instantly ripe day by day and electronic accounting technology, realize that data and data flow are attached in multinode
And equivalent clearing are completed in concatenated closed loop, pass through the realization clearing purpose of cancelling out each other of capital settlement right, it has also become
Project urgently to be resolved.In this way, the efficiency traded and settled accounts between user can be substantially improved, help to solve chain debts even
The drawbacks of polygonal debt, promotes economic sound development.Currently, yet there are no the effective technology solution for solving the demand.
Summary of the invention
Present invention aims at provided and a kind of carried out the side that polygon credit and debt is cleared automatically using closed loop data-link
Method, this method by the automatic system for settling account of polygon credit and debt by account book subsystem, liability code-subsystem, clearance subsystem and
The real settlement of transactions relationship simulation of user is cleared system to this liability using computer networking technology by general ledger subsystem composition
User's reality credits, debition are carried out data quantization by system, and quantized data forms the data for representing clearing right in this system
And data flow, will be point-to-point between quantized data extend to a cross-node composition closed-loop data stream；Further to amount
Change data to bring together, establishes the communication between indirect clearance node；Further according to closed-loop data stream calculation mechanism, reduce or
Quantized data value between node is eliminated, achievees the purpose that eliminate financial responsibility.Realize that data and data flow are connected in multinode
Equivalent clearing are connect and complete in concatenated closed loop, user will finally simulate settlement process and result reflection to real financial core
In calculation.First is that by settling accounts trust problem between data and data flow and the indirect counterparty of Mechanism establishing that knows together, and lead to
Cross data flow will be point-to-point between settlement of transactions relationship extend to data chain that across a direct dealing node of connection is constituted into
Row data are settled accounts, and are directly really weighed and are cleared between node, and extended true power and clearance range, for real payment and settlement increasing
Added one newly by way of；Second is that reality clearing in it is capable of reducing using or without using money-capital participate in settlement of transactions, be substantially
Promote clearance by the realization of rights and obligations；Third is that not needing third party assist that exchange settlement can be carried out.
It is of the present invention a kind of the method that polygon credit and debt is cleared automatically, this method to be carried out using closed loop data-link
By the automatic system for settling account of polygon credit and debt by account book subsystem, liability code-subsystem, clearance subsystem and general ledger subsystem
System composition；The automatic system for settling account of polygon credit and debt based on the polygon credit and debt of foundation clear automatically common recognition mechanism into
Row clearance, it includes liability encoding mechanism, coding strand closure clearance mechanism, currency list that polygon credit and debt clears common recognition mechanism automatically
Position unified mechanism；The account book subsystem includes digital identity module, liability information module and audit confirmation module, in which:
Digital identity module is recorded, storage user includes unique identity code, legal name, facial image, business license, address, leads to
The user basic information of news mode；It includes that user is receivable, deals with direction that liability information module, which is recorded, monetary unit, request clearance
The related liability information of number and clearing opponent's digital identity；Audit confirmation module is carried out by the essential information logged in user
Audit is to confirm its authenticity and legitimacy；The liability code-subsystem includes liability coding module, using user in account
The user basic information and liability information of notebook system registration automatically generate one group of liability clearance according to liability encoding mechanism and compile
Code；The clearance subsystem includes closure link module, user really weighs module, the exchange rate converts module and clearance module, exchange rate folding
It calculates module to convert settlement amounts by common currency unit according to monetary unit unified mechanism, clearance module is according to coding strand
Closure clearance mechanism clears the liability in chain；The general ledger subsystem includes review module, backup module, bill mould
Block and enquiry module；Concrete operations follow these steps to carry out:
Step 1: user logs in this system, system record user basic information, it is receivable, deal with direction, monetary unit, number
Volume settles accounts opponent's digital identity；
Step 2: system carries out audit confirmation to the relevant information of login user, rejects the user for not meeting and logging in and requiring；
Step 3: the liability of system automatically generated user clears coding；
Step 4: system is cleared according to user's liability and is encoded, and is matched automatically with the clearance opponent for meeting terms of settlement；
Step 5: matching forms clearance chain, and when clearing chain closure, system all users on clearance chain are issued
Really power request, obtain all users to clearance liability really weigh after, system enters liquidation procedure；
Step 6: closure clearance chain determines clearing currency unit and is converted according to monetary unit unified mechanism；Into
One step according to clearance opponent between liability minimum dollar amount as clearance common divisor carry out liability clearance, subtract meter clearance opponent it
Between credit and debt number；
Step 7: after the completion of this clearance, review module checks clearance data and result；
Step 8: after the completion of this clearance, backup module backs up clearance record and result；
Step 9: system automatically generated clears bookkeeping voucher, to export or print.
Liability encoding mechanism involved in the automatic system for settling account of polygon credit and debt in this method are as follows: liability clearance coding
Including at least head be clearing number identity information, middle part is liability information and tail portion is clearing opponent's digital identity letter
Breath, wherein liability information includes receipt and payment direction, monetary unit, the liability amount of money.
Coding strand involved in the automatic system for settling account of polygon credit and debt in this method is closed clearance mechanism are as follows: when one
Liability clears the clearing number identity of encoded tail and the clearing number identity on another liability clearance coding head
It overlaps, Auto-matching succeeds and generates a clearance node, and one and more than one node form a mechanism according to this
Concatenated clearance chain forms a closed loop clearance data-link when settling accounts the consistent node series connection in direction and being closed；Work as clearance
Data-link closure, the minimum dollar amount according to liability between clearance opponent carry out liability clearance as clearance common divisor, subtract meter clearance
Credit and debt number between opponent.
Monetary unit unified mechanism involved in the automatic system for settling account of polygon credit and debt in this method are as follows: system is real-time
Exchange rate quotation is acquired, monetary unit is inconsistent between each node, according to real-time exchange rate quotation, with currency involved in each node
The monetary unit that unit occupies the majority is that unified clearing currency unit is converted.
The present invention provide it is a kind of carry out the method that polygon credit and debt is cleared automatically using closed loop data-link, this method is real
It is capital settlement relations of right that matter, which is by capital settlement transformation, passes through the realization clearing mesh of cancelling out each other of capital settlement right
, be conducive to user in real settlement of transactions, reduce using money-capital or settled accounts without using money-capital, for reality
Capital settlement increases one newly by way of can significantly reduce chain debts and polygonal debt drawback, improve receivable, accounts payable core
Efficiency is calculated, clearance liability is greatly decreased in the process to the occupancy or demand of real fund.
Detailed description of the invention
Fig. 1 is that the automatic system for settling account of polygon credit and debt of the invention constitutes schematic diagram；
Fig. 2 is the step schematic diagram of the automatic liquidation method of polygon credit and debt of the invention；
Fig. 3 is that closed loop of the invention clears data-link clearance schematic illustration.
Specific embodiment
In order to which technical problems, technical solutions and advantages to be solved are more clearly understood, tie below
Embodiment is closed, the present invention will be described in detail.It should be noted that specific embodiment described herein is only to explain
The present invention is not intended to limit the present invention, and the product for being able to achieve said function belongs to equivalent replacement and improvement, is all contained in this hair
Within bright protection scope.
Embodiment
It is of the present invention a kind of the method that polygon credit and debt is cleared automatically, this method to be carried out using closed loop data-link
By the automatic system for settling account of polygon credit and debt by account book subsystem, liability code-subsystem, clearance subsystem and general ledger subsystem
System composition；The automatic system for settling account of polygon credit and debt based on the polygon credit and debt of foundation clear automatically common recognition mechanism into
Row clearance, it includes liability encoding mechanism, coding strand closure clearance mechanism, currency list that polygon credit and debt clears common recognition mechanism automatically
Position unified mechanism；The account book subsystem includes digital identity module, liability information module and audit confirmation module, in which:
Digital identity module is recorded, storage user includes unique identity code, legal name, facial image, business license, address, leads to
The user basic information of news mode；It includes that user is receivable, deals with direction that liability information module, which is recorded, monetary unit, request clearance
The related liability information of number and clearing opponent's digital identity；Audit confirmation module is carried out by the essential information logged in user
Audit is to confirm its authenticity and legitimacy；The liability code-subsystem includes liability coding module, using user in account
The user basic information and liability information of notebook system registration automatically generate one group of liability clearance according to liability encoding mechanism and compile
Code；The clearance subsystem includes closure link module, user really weighs module, the exchange rate converts module and clearance module, exchange rate folding
It calculates module to convert settlement amounts by common currency unit according to monetary unit unified mechanism, clearance module is according to coding strand
Closure clearance mechanism clears the liability in chain；The general ledger subsystem includes review module, backup module, bill mould
Block and enquiry module；Concrete operations follow these steps to carry out:
Step 1: user logs in this system, system record user basic information, it is receivable, deal with direction, monetary unit, number
Volume settles accounts opponent's digital identity；
Step 2: system carries out audit confirmation to the relevant information of login user, rejects the user for not meeting and logging in and requiring；
Step 3: the liability of system automatically generated user clears coding；
Step 4: system is cleared according to user's liability and is encoded, and is matched automatically with the clearance opponent for meeting terms of settlement；
Step 5: matching forms clearance chain, and when clearing chain closure, system all users on clearance chain are issued
Really power request, obtain all users to clearance liability really weigh after, system enters liquidation procedure；
Step 6: closure clearance chain determines clearing currency unit and is converted according to monetary unit unified mechanism；Into
One step according to clearance opponent between liability minimum dollar amount as clearance common divisor carry out liability clearance, subtract meter clearance opponent it
Between credit and debt number；
Step 7: after the completion of this clearance, review module checks clearance data and result；
Step 8: after the completion of this clearance, backup module backs up clearance record and result；
Step 9: system automatically generated clears bookkeeping voucher, to export or print.
Liability encoding mechanism involved in the automatic system for settling account of polygon credit and debt in this method are as follows: liability clearance coding
Including at least head be clearing number identity information, middle part is liability information and tail portion is clearing opponent's digital identity letter
Breath, wherein liability information includes receipt and payment direction, monetary unit, the liability amount of money；
Coding strand involved in the automatic system for settling account of polygon credit and debt in this method is closed clearance mechanism are as follows: when one
Liability clears the clearing number identity of encoded tail and the clearing number identity on another liability clearance coding head
It overlaps, Auto-matching succeeds and generates a clearance node, and one and more than one node form a mechanism according to this
Concatenated clearance chain forms a closed loop clearance data-link when settling accounts the consistent node series connection in direction and being closed；Work as clearance
Data-link closure, the minimum dollar amount according to liability between clearance opponent carry out liability clearance as clearance common divisor, subtract meter clearance
Credit and debt number between opponent；
Monetary unit unified mechanism involved in the automatic system for settling account of polygon credit and debt in this method are as follows: system is real-time
Exchange rate quotation is acquired, monetary unit is inconsistent between each node, according to real-time exchange rate quotation, with currency involved in each node
The monetary unit that unit occupies the majority is that unified clearing currency unit is converted；
As shown in Figure 1, establishing polygon debt thus to ensure that entire liquidation procedure is run under unified standards and specifications
Power debt clears common recognition mechanism automatically, so that polygon credit and debt of the automatic system for settling account based on foundation is cleared altogether automatically
Knowledge mechanism is cleared；It includes liability encoding mechanism, coding strand closure clearance machine that polygon credit and debt clears common recognition mechanism automatically
System and three mechanism of monetary unit unified mechanism；
It include digital identity module, liability information module and audit confirmation module in account book subsystem, in which: digital identity
Module is mainly recorded, storage user includes unique identity code, legal name, facial image, business license, address, communication
The essential information of the users such as mode；It includes that user is receivable, deals with direction that liability information module, which is mainly recorded, monetary unit, request
Clear the related liability information of the digital identities such as number and clearing opponent；The related letter that user is logged in audit confirmation module
Breath carries out necessary audit, to ensure that the authenticity and legitimacy of information that login user is logged in, recorded, system pass through example
Such as: identity card system compares, society, mechanism unifies credit code comparison, corporate tax cognizance code compares, enterprise's industrial and commercial registration
Information comparison and face identification system than the relevant information that reciprocity technological means, audit, confirmation user are logged in authenticity and
Legitimacy, automatic rejection user against regulation or illegal；
It includes liability coding module that liability, which clears code-subsystem, and the user registered using user in account book subsystem is basic
Information and liability information automatically generate one group of liability clearance coding according to liability encoding mechanism；Liability clearance coding includes at least
Head is number identity information, middle part is liability information and tail portion is clearing opponent's digital identity information, in which: liability letter
Breath includes receipt and payment direction, monetary unit and the liability amount of money；The number identity information on head and clearance opponent's number of tail portion
Identity information includes that identification card number, passport No., society, mechanism unify that credit code and corporate tax cognizance code etc. be personal or machine
The unique identification code of structure；
Clearance subsystem includes closure link module, user really weighs module, the exchange rate converts module and clearance module, is closed chain
Connection module is closed clearance mechanism according to coding strand, and the user that Auto-matching liability clearance coding head, trailer information are overlapped forms one
The clearance chain of a closure；Coding strand is closed clearance mechanism are as follows: when clearing opponent's number body of a liability clearance encoded tail
The settlement request number identity that part clears coding head with another liability overlaps, and system Auto-matching goes out and generates
One clearance node forms the concatenated clearance chain of mechanism according to this between at least two clearance opponent, works as clearing
When the consistent node series connection in direction and closure, a closed loop clearance data-link, the minimum according to liability between clearance opponent are formed
The amount of money carries out liability clearance as clearance common divisor, subtracts the credit and debt number between meter clearance opponent, and the meter that subtracts leads to this
The settlement fund number equivalence required between all nodes of data-link is reduced；Clear data-link closed loop after, user really weigh module to
All users issue really power request on data-link, obtain after all users really weigh clearance liability, system enters liquidation procedure；It converges
Rate conversion module acquires exchange rate quotation in real time, and convert unified to user's monetary unit between each node of this chain is RMB or specific
Monetary unit cleared；Monetary unit unified mechanism are as follows: when monetary unit is inconsistent between each node, converged according to real-time
Rate list price, is unified clearing currency unit with RMB or other specific currency units, and monetary unit determines principle are as follows: with each section
The monetary unit that monetary unit involved in point occupies the majority is unified clearing currency unit；Module is cleared according between whole nodes
The minimum dollar amount of liability carries out liability as clearance common divisor and subtracts meter, and clearance user again arrives this clearance process and result reflection
In real credits, debition, it can lead to user's completion or be partially completed the clearance to real credits, debt, be greatly decreased
To the occupancy of actual funds and demand in credit and debt scale removal process；
The general ledger subsystem includes review module, backup module, bill module and enquiry module；To ensure to clear
Journey and clearance result are correct, carry out review confirmation by intermediate data and clearance result of the review module to clearance process；
For the safety for ensuring data in system operation, data text of the backup module for back up in realtime clearance process and clearance result
Part；Bill module automatically generates the bill evidence of clearance result, and can be user's printed tickets voucher or output electronic bill, is somebody's turn to do
Voucher can be used as bookkeeping voucher or voucher for future reference；Enquiry module provides liability and clears number for associated user and related specific mechanism
According to inquiry or evidence obtaining；
As shown in Fig. 2, a kind of carry out the method that polygon credit and debt is cleared automatically, concrete operations using closed loop data-link
It follows these steps to carry out:
Step 1: user logs in this system by requirement is logged in, and system records user basic information and liability information after login；
User basic information includes at least the letter such as unique identity code, legal name, facial image, business license, address, communication modes
Breath, in which: unique identity code includes personal identification card number or passport number, and mechanism includes the unified credit code of society or enterprise
Industry is paid taxes cognizance code etc.；Liability information include at least it is receivable, deal with direction, monetary unit, number settles accounts opponent's digital identity
Etc. information, in which: the unique identity code in clearing opponent's digital identity and user basic information requires consistent；
Step 2: system carries out audit confirmation to the relevant information of login user, rejects the number of users for not meeting and logging in and requiring
According to the authenticity and legitimacy audited mainly for the relevant information of login user are audited；
Step 3: the user that the liability coding module of liability clearance code-subsystem utilizes user to register in account book subsystem
Essential information and liability information automatically generate one group of liability clearance coding according to liability encoding mechanism, and coding header fields are to use
Family digital identity information, middle part field are liability information, and trailer field is clearing opponent's digital identity information, in which: liability letter
Breath includes at least receipt and payment direction, monetary unit and the liability amount of money；
Step 4: system is cleared according to user's liability and is encoded, and is matched automatically with the clearance opponent for meeting terms of settlement,
That is: the user that Auto-matching liability clearance encodes head, trailer information is overlapped, forms a clearance node, one or more
Node generate a clearance chain, when the success of the node users information matches of clearance chain head and tail portion, then clearing link
Item meets closure condition, automatically generates closure clearing link；
Step 5: system all users on closure clearance chain issue really power request, obtain all users to clearance liability
Really after power, system enters liquidation procedure；
Step 6: according to currency unification mechanism, determining that with RMB or other specific currency units be unified clearing currency list
Position carries out unified conversion to the amount of settlement on closure clearance chain；The further minimum according to liability between clearance opponent
The amount of money carries out liability clearance as clearance common divisor, subtracts the credit and debt number between meter clearance opponent, completes clearance；
Step 7: after the completion of this clearance, review module checks clearance data and result；
Step 8: after the completion of this clearance, clearance record and result being backed up；
Step 9: system automatically generated clears bookkeeping voucher, to print clearance voucher or output electronics clearance voucher；
As shown in figure 3, closed loop clearance data-link illustrated below clears operation logic:
Below it is assumed that unified monetary unit, and liability is passed through by all users and has really weighed；
Real settlement relations: 100 yuan of the receivable party B-subscriber of party A-subscriber, 150 yuan of the receivable C user of party B-subscriber, the receivable D user of C user
200 yuan, 300 yuan of the receivable party A-subscriber of D user；
Real settlement relations reflection is to this system: party A-subscriber and party B-subscriber, party B-subscriber and C user, C user and D user and D use
Liability clearance relationship between family and party A-subscriber forms the consistent clearing chain in receipt and payment direction, and chain meets the item of closure
Part；
Execute coding strand and be closed clearance mechanism: it is 100 that wherein liability minimum clearing value, which clears common divisor, between each user
Member, each clear subtract 100 yuan of meter between user, subtracting meter causes receivable, accounts payable between all clearance users to reduce 100 yuan,
In: liability clearance is completed between party A-subscriber and party B-subscriber, and liability clearing in part are completed between remaining user；
The reflection of clearing link checkout result is closed into reality clearing: 0 yuan of the receivable party B-subscriber of party A-subscriber, the receivable C user 50 of party B-subscriber
Member, 100 yuan of the receivable D user of C user, 200 yuan of the receivable party A-subscriber of D user；
In reality, is needed capital turnover four times between tetra- users of A, B, C, D to complete clearing, occupies 400 yuan of funds,
However by this system simulate settle accounts, without occupy respective fund just complete respectively between liability clearance or liability subtract
Meter is conducive to vitalize circulating fund, mitigates liability burden.
Detailed process is as follows:
Step 1: party A-subscriber issues 100 yuan of credits requests to party B-subscriber, A (+100) B is expressed as after system matches；Party B-subscriber to
C user issues 150 yuan of credits requests, is expressed as B (+150) C after system matches；C user issues 200 yuan of credits to D user and asks
It asks, C (+200) D is expressed as after system matches；, D user issues the request of 300 yuan of credits to party A-subscriber, is expressed as D after system matches
(+300)A；
Clearing link is closed step 2: generating according to coding strand closure clearance mechanism: A (+100) B (+150) C (+200) D (+
300)A；
Step 3: executing coding strand closure clearance, it is 100 yuan that minimum clearing value, which clears common divisor, in chain, to institute in chain
There is liability to subtract meter according to 100 yuan, as a result cause: A (0) B (+50) C (+100) D (+200) A；
Step 4: this clearance is completed, the debtor-creditor relationship variation of user's reality are as follows: A (0) B；B(+50)C；C(+
100)D；D(+200)A.
This polygon automatic system for settling account of credit and debt can use conventional internet and mobile Internet establish it is shared more
Side credit and debt clears e-commerce platform automatically, and by cooperating with third-party institutions such as wechat, Alipay, e-banks,
The entrance of platform is established, is drained for platform；It can also be with independent operation.
The foregoing is merely the preferred embodiments of the invention, the claims that are not intended to limit the invention.
Simultaneously it is described above, for those skilled in the technology concerned it would be appreciated that and implement, therefore other be based on institute of the present invention
The equivalent change that disclosure is completed, should be included in the covering scope of the claims.
Claims (4)
1. a kind of carry out the method that polygon credit and debt is cleared automatically using closed loop data-link, it is characterised in that: this method by
The automatic system for settling account of polygon credit and debt by account book subsystem, liability code-subsystem, clearance subsystem and general ledger subsystem
Composition；The automatic system for settling account of polygon credit and debt is cleared common recognition mechanism based on the polygon credit and debt of foundation automatically and is carried out
Clearance, it includes liability encoding mechanism, coding strand closure clearance mechanism, monetary unit that polygon credit and debt clears common recognition mechanism automatically
Unified mechanism；The account book subsystem includes digital identity module, liability information module and audit confirmation module, in which: number
Word identity module is recorded, storage user includes unique identity code, legal name, facial image, business license, address, communication
The user basic information of mode；It includes that user is receivable, deals with direction that liability information module, which is recorded, monetary unit, request clearance number
The related liability information of volume and clearing opponent's digital identity；Confirmation module is audited by examining the essential information that user logs in
Core is to confirm its authenticity and legitimacy；The liability code-subsystem includes liability coding module, using user in account book
The user basic information and liability information of subsystem registration automatically generate one group of liability clearance coding according to liability encoding mechanism；
The clearance subsystem includes closure link module, user really weighs module, the exchange rate converts module and clearance module, the exchange rate convert mould
Block is converted settlement amounts by common currency unit according to monetary unit unified mechanism, and clearance module is closed according to coding strand
Clearance mechanism clears the liability in chain；The general ledger subsystem include review module, backup module, bill module and
Enquiry module；Concrete operations follow these steps to carry out:
Step 1: user logs in this system, system record user basic information, it is receivable, deal with direction, monetary unit, number, knot
Calculate opponent's digital identity；
Step 2: system carries out audit confirmation to the relevant information of login user, rejects the user for not meeting and logging in and requiring；
Step 3: the liability of system automatically generated user clears coding；
Step 4: system is cleared according to user's liability and is encoded, and is matched automatically with the clearance opponent for meeting terms of settlement；
Step 5: matching forms clearance chain, and when clearing chain closure, system all users on clearance chain issue really power
Request, obtain all users to clearance liability really weigh after, system enters liquidation procedure；
Step 6: closure clearance chain determines clearing currency unit and is converted according to monetary unit unified mechanism；Further
Ground carries out liability clearance as clearance common divisor according to the minimum dollar amount of liability between clearance opponent, subtracts between meter clearance opponent
Credit and debt number；
Step 7: after the completion of this clearance, review module checks clearance data and result；
Step 8: after the completion of this clearance, backup module backs up clearance record and result；
Step 9: system automatically generated clears bookkeeping voucher, to export or print.
2. a kind of as described in claim 1 carry out the method that polygon credit and debt is cleared automatically using closed loop data-link,
It is characterized in that: liability encoding mechanism involved in the automatic system for settling account of polygon credit and debt in this method are as follows: liability clearance is compiled
It is that clearing number identity information, middle part are liability information and tail portion is clearing opponent's digital identity letter that code, which includes at least head,
Breath, wherein liability information includes receipt and payment direction, monetary unit, the liability amount of money.
3. a kind of as described in claim 1 carry out the method that polygon credit and debt is cleared automatically using closed loop data-link,
Be characterized in that: coding strand involved in the automatic system for settling account of polygon credit and debt in this method is closed clearance mechanism are as follows: when one
The clearing number identity of a liability clearance encoded tail and the clearing number of users body on another liability clearance coding head
Part overlaps, and Auto-matching succeeds and generates a clearance node, and one and more than one node form a machine according to this
Concatenated clearance chain is made, when settling accounts the consistent node series connection in direction and being closed, forms a closed loop clearance data-link；When clear
Data-link closure is calculated, the minimum dollar amount according to liability between clearance opponent carries out liability clearance as clearance common divisor, and it is clear to subtract meter
Calculate the credit and debt number between opponent.
4. a kind of as described in claim 1 carry out the method that polygon credit and debt is cleared automatically using closed loop data-link,
It is characterized in that: monetary unit unified mechanism involved in the automatic system for settling account of polygon credit and debt in this method are as follows: system is real
When acquire exchange rate quotation, monetary unit is inconsistent between each node, according to real-time exchange rate quotation, with goods involved in each node
The monetary unit that coin unit occupies the majority is that unified clearing currency unit is converted.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910664853.8A CN110348979B (en) | 2019-07-23 | 2019-07-23 | Method for automatically clearing multi-side credited liabilities by using closed-loop data chain |
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| CN201910664853.8A CN110348979B (en) | 2019-07-23 | 2019-07-23 | Method for automatically clearing multi-side credited liabilities by using closed-loop data chain |
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| CN110348979B CN110348979B (en) | 2023-08-25 |
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