CN110348979B - Method for automatically clearing multi-side credited liabilities by using closed-loop data chain - Google Patents

Abstract

The invention provides a method for automatically clearing multi-side right debt by utilizing a closed loop data chain, wherein the method comprises a multi-side right debt automatic clearing system which consists of an account book subsystem, a debt encoding subsystem, a clearing subsystem and a general ledger subsystem; based on the established multilateral right debt automatic clearing consensus mechanism, the debt clearance between users is carried out, and the consensus mechanism comprises a debt encoding mechanism, a coding chain closed clearing mechanism and a currency unit unifying mechanism; simulating the real transaction settlement relation of the user to the debt settlement system, generating a closed settlement chain, performing debt settlement by taking the minimum amount of the debt as a settlement common divisor, and subtracting the amount of the right debt between the settlement opponents; the method can greatly improve the efficiency of transaction and settlement among users, is beneficial to solving the defects of triangular debt and even polygonal debt, is beneficial to turning turnover funds and reduces the burden of debt.

Description

Method for automatically clearing multi-side credited liabilities by using closed-loop data chain

Technical Field

The invention belongs to the field of financial settlement, and particularly relates to a method for automatically clearing multi-side credited liabilities by using a closed-loop data chain.

Background

For trade, exchange, tax, borrow, labor service and other activities among social economic entities, crisscross economic settlement relations can be generated, legal currency is usually selected to be realized in modes of bank exchange, third party payment, cash or barter and the like for completing settlement of the economic settlement relations, for example, accounts receivable and accounts payable exist in an enterprise financial account book generally, money funds are needed to participate in settlement for completing the accounts receivable and accounts payable, and when settlement is delayed due to the difficulty of fund payment of a certain transaction entity, the settlement efficiency among all the transaction entities on a transaction chain can be influenced, triangular debt and multi-angle debt are easy to form, and economic development is not facilitated. At present, through internet payment settlement technologies such as bank, payment treasures, weChat transfer and the like, the transaction settlement efficiency is conveniently and effectively improved, but the transaction settlement methods are applied and all require real funds and are realized through settlement intermediaries.

The current mature network and electronic settlement technology are utilized to realize that data and data streams are connected at multiple nodes and equivalent settlement is completed in a series closed loop, and settlement purposes are realized through mutual cancellation of fund settlement rights, so that the method has become an urgent problem to be solved. Therefore, the efficiency of transaction and settlement among users can be greatly improved, the defects of triangular debt and even polygonal debt can be overcome, and the healthy development of economy is promoted. Currently, no effective technical solution to this need is seen.

Disclosure of Invention

The invention aims to provide a method for automatically clearing multi-side right debt by utilizing a closed-loop data chain, wherein the method comprises a multi-side right debt automatic clearing system, a book subsystem, a debt encoding subsystem, a clearing subsystem and a general ledger subsystem, and the real transaction settlement relation of a user is simulated to the debt clearing system by utilizing a computer network technology, the real right and the debt relation of the user are subjected to data quantization, the quantized data form data and data flow representing the settlement right in the system, and the quantized data between point-to-point are extended to a closed-loop data flow formed by crossing nodes; further matching the quantitative data, and establishing communication between indirect clearing nodes; further, according to a closed-loop data flow operation mechanism, quantized data values among nodes are reduced or eliminated, and the aim of eliminating economic responsibility is fulfilled. The method realizes that the data and the data flow are connected at a plurality of nodes and the equivalent settlement is completed in a series closed loop, and finally, the user reflects the simulated settlement process and the result to the actual financial accounting. Firstly, establishing settlement trust problems among indirect transaction opponents through data and data flows and a consensus mechanism, extending a point-to-point transaction settlement relationship to a data chain formed by connecting cross direct transaction nodes through the data flows to perform data settlement, directly performing right confirmation and clearing among the nodes, extending a right confirmation and clearing range, and adding a new path for real payment settlement; secondly, in the actual settlement, money funds can be reduced or not used to participate in transaction settlement, and the settlement is promoted substantially through the realization of rights obligations; third, the transaction clearing can be performed without the assistance of a third party.

The invention relates to a method for automatically clearing multi-side right debt by utilizing a closed loop data chain, which comprises a multi-side right debt automatic clearing system, a closed loop data chain and a closed loop data chain, wherein the multi-side right debt automatic clearing system comprises an account book subsystem, a debt encoding subsystem, a clearing subsystem and a general account subsystem; the automatic multi-side right debt clearance system carries out clearance based on an established automatic multi-side right debt clearance consensus mechanism, wherein the automatic multi-side right debt clearance consensus mechanism comprises a debt encoding mechanism, an encoding chain closed clearance mechanism and a currency unit unifying mechanism; the account book subsystem comprises a digital identity module, a debt information module and an audit confirmation module, wherein: the digital identity module records and stores user basic information including unique identity codes, legal names, face images, business licenses, addresses and communication modes of users; the debt information module records relevant debt information including the direction of the user's receivables, the currency unit, the request for clearing amount and the digital identity of the clearing opponent; the auditing and confirming module is used for auditing the basic information logged in by the user to confirm the authenticity and the legality of the basic information; the debt encoding subsystem comprises a debt encoding module, and a group of debt clearing codes are automatically generated according to a debt encoding mechanism by utilizing user basic information and debt information registered by a user in the account book subsystem; the clearing subsystem comprises a closed link module, a user right confirming module, a exchange rate converting module and a clearing module, wherein the exchange rate converting module converts settlement amount according to a unified currency unit according to a currency unit unified mechanism, and the clearing module clears debt in a chain according to a closed clearing mechanism of the coding chain; the general ledger subsystem comprises a rechecking module, a backup module, a bill module and a query module; the specific operation is carried out according to the following steps:

step 1: the user logs in the system, the system records the user basic information, the receivable and payable direction, the currency unit, the amount and the digital identity of the settlement opponent;

step 2: the system carries out auditing and confirmation on the related information of the login user, and eliminates the users which do not meet the login requirement;

step 3: the system automatically generates a debt clearance code of the user;

step 4: the system automatically matches with a clearing opponent meeting clearing conditions according to the user debt clearing code;

step 5: matching to form a clearing chain, when the clearing chain is closed, the system sends an authorization request to all users on the clearing chain, and after all users acquire authorization to clearing debt items, the system enters a clearing program;

step 6: the closed clearing chain determines and converts the clearing currency units according to a currency unit unifying mechanism; further, the debt is cleared according to the minimum amount of the debt between clearing opponents as a clearing common divisor, and the debt amount of the right debt between the clearing opponents is reduced;

step 7: after the clearing is completed, the rechecking module rechecks the clearing data and the result;

step 8: after the clearing is completed, the backup module backs up the clearing record and the result;

step 9: the system automatically generates a clearing accounting voucher for output or printing.

The debt encoding mechanism related to the multilateral right debt automatic clearing system in the method is as follows: the debt clearance code at least comprises digital identity information of which the head part is a settlement user, the middle part is debt information and the tail part is a settlement opponent, wherein the debt information comprises a receipt and payment direction, a currency unit and a debt amount.

The closed clearing mechanism of the coding chain related to the automatic clearing system of the multilateral right liability in the method is as follows: when the digital identity of a settlement user at the tail of a debt settlement code is overlapped with the digital identity of a settlement user at the head of another debt settlement code, the automatic matching is successful and a settlement node is generated, one or more nodes form a settlement chain connected in series according to the mechanism, and when the nodes with consistent settlement directions are connected in series and closed, a closed loop settlement data chain is formed; when the clearing data chain is closed, the debt is cleared according to the minimum amount of the debt between clearing opponents as the clearing common divisor, and the credited debt amount between the clearing opponents is reduced.

The currency unit unifying mechanism related to the multilateral right debt automatic clearing system in the method is as follows: the system collects the exchange rate license plate in real time, the currency units among the nodes are inconsistent, and the currency units related to the nodes are used as unified clearing currency units for conversion according to the real-time exchange rate license plate.

The invention provides a method for automatically clearing multilateral right liabilities by using a closed loop data chain, which essentially converts a fund clearing relationship into a fund clearing right relationship, realizes the clearing purpose by mutual offset of the fund clearing rights, is beneficial to users in real transaction clearing, reduces the use of monetary funds or the clearing of non-use of monetary funds, adds a new path for real fund clearing, can obviously reduce the defects of triangular liabilities and polygonal liabilities, improves accounts receivable and accounts payable accounting efficiency, and greatly reduces the occupation or demand of real funds in the clearing process.

Drawings

FIG. 1 is a schematic diagram of a multi-sided credited liability automatic clearing system of the present invention;

FIG. 2 is a schematic diagram showing steps of a multi-sided credited liability automatic clearing method according to the present invention;

fig. 3 is a schematic diagram of the closed loop clearing data chain clearing principle of the present invention.

Detailed Description

In order to make the technical problems, technical schemes and beneficial effects to be solved more clear, the invention is described in detail below with reference to the embodiments. It should be noted that the specific embodiments described herein are only for explaining the present invention, and are not intended to limit the present invention, and products capable of achieving the same function are included in the scope of protection of the present invention as equivalents and improvements.

Examples

The invention relates to a method for automatically clearing multi-side right debt by utilizing a closed loop data chain, which comprises a multi-side right debt automatic clearing system, a closed loop data chain and a closed loop data chain, wherein the multi-side right debt automatic clearing system comprises an account book subsystem, a debt encoding subsystem, a clearing subsystem and a general account subsystem; the automatic multi-side right debt clearance system carries out clearance based on an established automatic multi-side right debt clearance consensus mechanism, wherein the automatic multi-side right debt clearance consensus mechanism comprises a debt encoding mechanism, an encoding chain closed clearance mechanism and a currency unit unifying mechanism; the account book subsystem comprises a digital identity module, a debt information module and an audit confirmation module, wherein: the digital identity module records and stores user basic information including unique identity codes, legal names, face images, business licenses, addresses and communication modes of users; the debt information module records relevant debt information including the direction of the user's receivables, the currency unit, the request for clearing amount and the digital identity of the clearing opponent; the auditing and confirming module is used for auditing the basic information logged in by the user to confirm the authenticity and the legality of the basic information; the debt encoding subsystem comprises a debt encoding module, and a group of debt clearing codes are automatically generated according to a debt encoding mechanism by utilizing user basic information and debt information registered by a user in the account book subsystem; the clearing subsystem comprises a closed link module, a user right confirming module, a exchange rate converting module and a clearing module, wherein the exchange rate converting module converts settlement amount according to a unified currency unit according to a currency unit unified mechanism, and the clearing module clears debt in a chain according to a closed clearing mechanism of the coding chain; the general ledger subsystem comprises a rechecking module, a backup module, a bill module and a query module; the specific operation is carried out according to the following steps:

step 1: the user logs in the system, the system records the user basic information, the receivable and payable direction, the currency unit, the amount and the digital identity of the settlement opponent;

step 2: the system carries out auditing and confirmation on the related information of the login user, and eliminates the users which do not meet the login requirement;

step 3: the system automatically generates a debt clearance code of the user;

step 4: the system automatically matches with a clearing opponent meeting clearing conditions according to the user debt clearing code;

step 5: matching to form a clearing chain, when the clearing chain is closed, the system sends an authorization request to all users on the clearing chain, and after all users acquire authorization to clearing debt items, the system enters a clearing program;

step 6: the closed clearing chain determines and converts the clearing currency units according to a currency unit unifying mechanism; further, the debt is cleared according to the minimum amount of the debt between clearing opponents as a clearing common divisor, and the debt amount of the right debt between the clearing opponents is reduced;

step 7: after the clearing is completed, the rechecking module rechecks the clearing data and the result;

step 8: after the clearing is completed, the backup module backs up the clearing record and the result;

step 9: the system automatically generates a clearing accounting voucher for output or printing.

The debt encoding mechanism related to the multilateral right debt automatic clearing system in the method is as follows: the debt clearance code at least comprises digital identity information of which the head part is a settlement user, the middle part is debt information and the tail part is a settlement opponent, wherein the debt information comprises a receipt and payment direction, a currency unit and a debt amount;

the closed clearing mechanism of the coding chain related to the automatic clearing system of the multilateral right liability in the method is as follows: when the digital identity of a settlement user at the tail of a debt settlement code is overlapped with the digital identity of a settlement user at the head of another debt settlement code, the automatic matching is successful and a settlement node is generated, one or more nodes form a settlement chain connected in series according to the mechanism, and when the nodes with consistent settlement directions are connected in series and closed, a closed loop settlement data chain is formed; when the clearing data chain is closed, carrying out debt clearing according to the minimum amount of the debt between clearing opponents as a clearing common divisor, and subtracting the credited debt amount between the clearing opponents;

the currency unit unifying mechanism related to the multilateral right debt automatic clearing system in the method is as follows: the system collects the exchange rate license plate in real time, the currency units among the nodes are inconsistent, and the currency units related to the nodes are converted by taking the currency units accounting for the majority as unified clearing currency units according to the real-time exchange rate license plate;

as shown in fig. 1, to ensure that the whole clearing program operates under unified standards and specifications, an automatic clearing consensus mechanism for the multi-side credited liabilities is established for the automatic clearing system to clear based on the established automatic clearing consensus mechanism for the multi-side credited liabilities; the automatic clearing consensus mechanism of the multilateral right debt comprises a debt encoding mechanism, a closed encoding chain clearing mechanism and a currency unit unifying mechanism;

the account book subsystem comprises a digital identity module, a debt information module and an audit confirmation module, wherein: the digital identity module is mainly used for recording and storing the basic information of the user, such as unique identity codes, legal names, face images, business licenses, addresses, communication modes and the like; the debt information module mainly records related debt information including the user's receivables, payable directions, currency units, digital identities such as the request for clearing amounts and the settlement opponents; in order to carry out necessary audit on the relevant information logged by the user in the audit confirmation module and ensure the authenticity and legality of the information logged and recorded by the logged user, the system uses the following steps: the identity card system comparison, the organization society unified credit code comparison, the enterprise tax identification code comparison, the enterprise business registration information comparison and the face recognition system comparison are equivalent to technical means, so that the authenticity and the legality of the related information registered by the user are checked and confirmed, and the user which does not accord with the regulation or illegal is automatically removed;

the debt clearance coding subsystem comprises a debt coding module, and a group of debt clearance codes are automatically generated according to a debt coding mechanism by using user basic information and debt information registered by a user in the account book subsystem; the debt clearance code at least comprises digital identity information with a head part being user digital identity information, a middle part being debt information and a tail part being settlement opponent digital identity information, wherein: the debt information includes a receipt and payment direction, a currency unit, and a debt amount; the digital identity information of the head user and the digital identity information of the tail clearing opponent comprise unique identification codes of individuals or institutions such as identification card numbers, passport numbers, institutional social unification credit codes, enterprise tax identification codes and the like;

the clearing subsystem comprises a closed link module, a user right confirming module, a exchange rate converting module and a clearing module, wherein the closed link module automatically matches users with the overlapping debt clearing code terminal and tail information according to a closed clearing mechanism of the code chain to form a closed clearing chain; the closed coding chain clearing mechanism is as follows: when the digital identity of a clearing opponent at the tail of a debt clearing code and the digital identity of a clearing request user at the head of another debt clearing code are mutually overlapped, the system automatically matches and generates a clearing node, at least more than two clearing opponents form a clearing chain connected in series according to the mechanism, when the nodes with consistent clearing directions are connected in series and closed, a closed loop clearing data chain is formed, debt clearing is carried out according to the minimum amount of the debt between the clearing opponents as a clearing common divisor, the amount of the debt liabilities between the clearing opponents is reduced, and the reduction leads to the equivalent reduction of the required clearing fund amount between all the nodes of the data chain; after the clearing data link is closed loop, the user right confirming module sends right confirming requests to all users on the data link, and after the right confirming of all users on the clearing debt is obtained, the system enters a clearing program; the exchange rate conversion module collects exchange rate brands in real time, and converts user currency units among nodes of the chain into RMB or specific currency units in a unified way to carry out clearing; the currency unit unification mechanism is: when the currency units among the nodes are inconsistent, according to the real-time exchange rate license plate price, the RMB or other specific currency units are used as unified clearing currency units, and the currency unit determining principle is as follows: the currency units of which the currency units related to each node are the majority are used as unified clearing currency units; the clearing module performs debt subtraction according to the minimum amount of the debt among all nodes as a clearing common divisor, and the clearing user reflects the clearing process and the result to the real debt and debt relation, so that the user can finish or partially finish clearing the real debt and debt, and the occupation and the demand on the actual funds in the clearing process of the debt and the debt are greatly reduced;

the general ledger subsystem comprises a rechecking module, a backup module, a bill module and a query module; in order to ensure that the clearing process and the clearing result are correct, checking and confirming the intermediate data and the clearing result in the clearing process through a checking module; in order to ensure the safety of data in the system operation, the backup module is used for backing up the data files of the clearing process and the clearing result in real time; the bill module automatically generates bill certificates of the clearing result, and can print the bill certificates or output electronic bills for users, and the certificates can be used as billing certificates or inventory certificates; the query module provides query or evidence collection of debt clearance data for related users and related specific institutions;

as shown in fig. 2, a method for automatically clearing multi-side credited liabilities by using a closed loop data chain comprises the following steps:

step 1: the user logs in the system according to the login requirement, and the system records the user basic information and the debt information after logging in; the user basic information at least comprises information such as unique identity codes, legal names, face images, business licenses, addresses, communication modes and the like, wherein: the unique identity code comprises an individual identity card number or a passport number, and the institutions comprise social unification credit codes or enterprise tax identification codes and the like; the debt information at least comprises information such as receivable, payable direction, currency unit, amount, digital identity of settlement opponent, and the like, wherein: the digital identity of the settlement opponent is consistent with the unique identity code requirement in the user basic information;

step 2: the system carries out auditing confirmation on the related information of the login user, eliminates the user data which does not meet the login requirement, and audits the authenticity and legitimacy of the related information of the login user;

step 3: the debt encoding module of the debt clearing encoding subsystem automatically generates a group of debt clearing codes according to a debt encoding mechanism by using user basic information and debt information registered by a user in the account book subsystem, wherein a head field of the codes is user digital identity information, a middle field of the codes is debt information, and a tail field of the codes is settlement opponent digital identity information, wherein: the debt information includes at least a receipt direction, a monetary unit, and a debt amount;

step 4: the system automatically matches with a clearing opponent meeting clearing conditions according to the user debt clearing code, namely: automatically matching users with the information of the debt clearance code terminal and the tail part to form a clearance node, generating a clearance chain by one or more nodes, and automatically generating a closed clearance chain when the node user information of the head part and the tail part of the clearance chain is successfully matched;

step 5: the system sends an authorization request to all users on the closed clearing chain, and after all users acquire authorization to clear debt, the system enters a clearing program;

step 6: according to a currency unifying mechanism, determining to uniformly calculate currency units by using RMB or other specific currency units, and uniformly converting the calculated amount on the closed calculating chain; further, the debt is cleared according to the minimum amount of the debt between clearing opponents as the clearing common divisor, the amount of the right debt between the clearing opponents is reduced, and the clearing is completed;

step 7: after the clearing is completed, the rechecking module rechecks the clearing data and the result;

step 8: after the clearing is completed, the clearing record and the result are backed up;

step 9: the system automatically generates a clearing accounting voucher for printing the clearing voucher or outputting an electronic clearing voucher;

as shown in fig. 3, the following illustrates the closed loop clearing data chain clearing operational principle:

the following assumes a unified monetary unit and has been validated by all users through the debt;

real settlement relationship: the user A receives the user B100 element, the user B receives the user C150 element, the user C receives the user D200 element, and the user D receives the user A300 element;

the real settlement relation is reflected to the system: the debt clearing relation among the A user and the B user, the B user and the C user, the C user and the D user and the A user forms a settlement chain with consistent receipt and payment directions, and the chain meets the closing condition;

executing a closed-loop coding-chain clearing mechanism: wherein the minimum settlement value of the debt between the users, i.e. the clearing common divisor, is 100 yuan, the reduction of 100 yuan between the clearing users, the reduction of 100 yuan leads to the receivables and accounts payable between all the clearing users, wherein: the user A and the user B finish debt clearing, and the rest users finish part of debt clearing;

the closed clearing link calculation result is reflected in the real settlement: the A user receives the B user 0 element, the B user receives the C user 50 element, the C user receives the D user 100 element, and the D user receives the A user 200 element;

in reality, four times of funds turnover are needed between four A, B, C, D users to finish settlement, 400-element funds are occupied, however, through the system, the settlement is simulated, the debt settlement or debt deduction among the users is finished without occupying the respective funds, the turnover funds are beneficial to the settlement, and the debt burden is lightened.

The specific flow is as follows:

the first step: the user A sends a 100-element right-crediting request to the user B, and the system is expressed as A (+100) B after matching; b, the user sends a 150-element crediting request to the user C, and the system is expressed as B (+150) C after matching; c, the user sends a 200-element crediting request to the user D, and the system is expressed as C (+200) D after matching; the user D sends a 300-element crediting request to the user A, and the system is expressed as D (+ 300) A after matching;

and a second step of: generating a closed clearing chain in accordance with a coding chain closed clearing mechanism: a (+100) B (+150) C (+200) D (+300) a;

and a third step of: performing closed clearing of the encoding chain, wherein the minimum settlement value in the chain, namely the clearing common divisor, is 100 yuan, and all debts in the chain are reduced according to 100 yuan, so that the result is that: a (0) B (+50) C (+100) D (+200) a;

fourth step: the clearance is completed, and the actual credited and debt relationship of the user is changed into: a (0) B; b (+50) C; c (+100) D; d (+200) a.

The multi-side right debt automatic clearing system can establish a shared multi-side right debt automatic clearing e-commerce platform by utilizing the traditional Internet and the mobile Internet, and establishes an entrance of the platform by cooperating with third party institutions such as WeChat, payment treasury, electronic bank and the like to drain the platform; or can be operated independently.

The above description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the claims. While the invention has been described in terms of what are presently considered to be the most practical and preferred embodiments, it is to be understood that the invention is not limited to the disclosed embodiments.

Claims (1)

1. A method for automatically clearing multi-side credited liabilities by using a closed-loop data chain includes simulating real transaction settlement relation of users to a present liability clearing system by using computer network technology, carrying out data quantization on real liabilities and liabilities of users, forming data and data stream representing settlement rights in the present system by quantized data, and extending quantized data between point-to-point to a closed-loop data stream formed by crossing nodes; further matching the quantized data, and establishing communication between indirect clearing nodes; further, according to a closed-loop data flow operation mechanism, quantized data values among nodes are reduced or eliminated, and the aim of reducing economic responsibility is fulfilled; the method comprises the steps that data and data streams are connected at multiple nodes and equivalent settlement is completed in a series-connection closed loop, a user finally reflects a simulated settlement process and a simulated settlement result to real financial accounting, and the settlement purpose is achieved through mutual balance of funds settlement rights, and the multi-side right debt automatic clearing system related to the method comprises an account book subsystem, a clearing subsystem and a general account subsystem; the account book subsystem comprises a digital identity module, a debt information module and an audit confirmation module, wherein: the digital identity module records and stores user basic information including unique identity codes, legal names, face images, business licenses, addresses and communication modes of users; the debt information module records relevant debt information including the direction of the user's receivables, the currency unit, the request for clearing amount and the digital identity of the clearing opponent; the auditing and confirming module is used for verifying the authenticity and the legality of the basic information logged in by the user and automatically eliminating the users which do not meet the regulations or are illegal; the clearing subsystem comprises a clearing module which carries out clearing according to the minimum amount of debt among all nodes as a clearing common divisor; the method is characterized in that:

the automatic multi-side right debt clearing system carries out clearing based on an established automatic multi-side right debt clearing consensus mechanism; the automatic clearing consensus mechanism of the multilateral credited debt comprises a debt encoding mechanism, a closed encoding chain clearing mechanism and a currency unit unifying mechanism; the debt encoding mechanism is as follows: the debt clearance code at least comprises digital identity information with a head part being user digital identity information, a middle part being debt information and a tail part being settlement opponent digital identity information, wherein: the debt information includes a receipt and payment direction, a currency unit, and a debt amount; the digital identity information of the head user and the digital identity information of the tail clearing opponent comprise unique identification codes of individuals or institutions such as identification card numbers, passport numbers, institutional social unification credit codes, enterprise tax identification codes and the like; the coding chain closed clearing mechanism is as follows: when the digital identity of a settlement user at the tail of a debt settlement code is overlapped with the digital identity of a settlement user at the head of another debt settlement code, the automatic matching is successful and a settlement node is generated, one or more nodes form a settlement chain connected in series according to the mechanism, and when the nodes with consistent settlement directions are connected in series and closed, a closed loop settlement data chain is formed; when the clearing data link is closed, carrying out debt clearing, and subtracting the amount of the right debt between clearing opponents, wherein the subtraction results in the equivalent reduction of the amount of the clearing funds required between all nodes of the data link; the currency unit unification mechanism is as follows: the system collects the exchange rate license plate in real time, the currency units among the nodes are inconsistent, and the currency units related to the nodes are converted by taking the currency units accounting for the majority as unified clearing currency units according to the real-time exchange rate license plate;

further, the multilateral right debt automatic clearing system also comprises a debt encoding subsystem, wherein the subsystem comprises a debt encoding module, and a group of debt clearing codes are automatically generated according to a debt encoding mechanism by utilizing user basic information and debt information registered by a user in the account book subsystem;

further, the clearing subsystem also comprises a closed link module, a user right confirming module and a exchange rate converting module; the closed link module automatically matches users with the debt clearance coding terminal and tail information coincident according to a closed clearance mechanism of the coding chain to form a closed clearance chain; after the clearing data link is closed, the user right confirming module sends right confirming requests to all users on the data link, and after the right confirming of all the users on the clearing debt is obtained, the system enters a clearing program; the exchange rate conversion module collects exchange rate brands in real time, and converts user currency units among nodes of the chain into RMB or specific currency units in a unified way according to a currency unit unified mechanism to carry out clearing;

further, the general ledger subsystem comprises a rechecking module, a backup module, a bill module and a query module; the rechecking module rechecks and confirms intermediate data and a clearing result in the clearing process so as to ensure that the clearing process and the clearing result are correct; the backup module backs up the data files of the clearing process and the clearing result in real time, so that the safety of the data in the system operation is ensured; the bill module automatically generates bill certificates of the clearing result, and can print the bill certificates or output electronic bills for users, and the certificates can be used as accounting certificates or checking certificates; the inquiry module provides inquiry or evidence collection of debt clearance data for related users and related specific institutions;

a method for automatically clearing multi-sided credited liabilities using a closed loop data chain operates according to the steps of:

step 1: the user logs in the system, the system records the user basic information, the receivable and payable direction, the currency unit, the amount and the digital identity of the settlement opponent;

step 2: the system carries out auditing and confirmation on the related information of the login user, and eliminates the users which do not meet the login requirement;

step 3: the system automatically generates a group of debt clearance codes according to a debt coding mechanism by using user basic information and debt information registered by a user in the account book subsystem;

step 4: the system automatically matches the users with the head and tail information of the debt clearance code according to the user debt clearance code and a closed clearance mechanism of the code chain to form a clearance node;

further, one or more nodes generate a clearing chain;

further, when node user information at the head part and the tail part of the clearing chain is successfully matched, the clearing chain meets a closing condition, and a closed clearing chain is automatically generated;

step 5: when the clearing chain is closed, the system sends an authorization request to all users on the clearing chain, and after all users acquire authorization to clear debt, the system enters a clearing program;

step 6: the closed clearing chain determines and converts the clearing currency units according to a currency unit unifying mechanism;

further, the debt is cleared according to the minimum amount of the debt between clearing opponents as the clearing common divisor, the amount of the right debt between the clearing opponents is reduced, and the clearing is completed;

step 7: after the clearing is completed, the rechecking module rechecks the clearing data and the result;

step 8: after the clearing is completed, the backup module backs up the clearing record and the result;

step 9: the system automatically generates a clearing accounting document, prints the clearing document, or outputs an electronic clearing document.