CN112308562B - Payment plan customization chain, operation method, computer device and readable storage medium - Google Patents
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Abstract
The invention belongs to the technical field of data processing and transmission, and particularly relates to a payment plan customization chain, an operation violation method, computer equipment and a readable storage medium. The system comprises a front-end server, a platform server and a terminal server; the platform account node and each user's electronic payment account are each a node, and the electronic payment account includes a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node. Based on improvement of a server and a data flow direction in a network technology, by adding a platform server, each node debtor freely agrees and constructs a unidirectional flow payment plan customization chain in the platform server, the anti-repentance payment plan customization chain is just established after the feasibility is confirmed by the platform server, and after each party completes fund injection, the platform server directly transmits data with a bank server to perform payment, completes a payment plan and unlocks a corresponding debt chain.
Description
The technical field is as follows:
the invention belongs to the technical field of data processing and transmission, and particularly relates to a payment plan customization chain, an operation method, computer equipment and a readable storage medium.
The background art comprises the following steps:
with the rapid development of network technologies, society has substantially entered the information-oriented era. The deep application of the network technology in the economic field further promotes the rapid development of the social-economic system.
In the traditional economic field, chain debts are always a big problem which troubles enterprises and individual users, and the existence of a large number of chain debts not only hinders the enterprise or individual development of a creditor, but also seriously hinders the good operation of capital circulation and social economy. The chain debt is difficult to solve, and the method is mainly characterized in that enough fund payment is required in each link of the debt, a credit and guard contract is required to ensure the proceeding of payment behaviors in each link, and the settlement of the debt chain cannot be realized when any point is disconnected; not only does this have certain requirements for funds, but confirmation of trust relationships during payment is also particularly important. How to apply the network technology to the solution of the chain debt problem is a problem to be solved urgently, generally, in the existing solution for the chain debt, each link of a debt chain is usually subjected to uniform discount or subsidy to facilitate unzipping, each link is satisfied with discount to achieve uniform unzipping, the implementation difficulty is increased, and the actual work is difficult to advance.
The invention content is as follows:
the invention aims to solve the technical problem that in the traditional economic field, the chain debt is solved by ensuring that each link of the debt needs to have enough fund payment and ensuring that each link supports a contract to ensure the proceeding of payment, and a long debt chain cannot be untied when any point is disconnected.
In order to solve the problems, the invention is based on the improvement of a server and a data flow direction in a network technology, by adding a platform server, each node debtor freely agrees and constructs a unidirectional flow payment plan customization chain in the platform server, the anti-repentance payment plan customization chain is just established after the feasibility is confirmed by the platform server, and after each party completes fund injection, the platform server directly transmits data with a bank server to perform payment, completes the payment plan and releases the corresponding debt chain.
In order to achieve the purpose, the invention is realized by the following technical scheme that the payment plan customization chain comprises a front-end server, a platform server and a terminal server;
the front-end server comprises a data sub-node set;
the platform server comprises a platform account node, a guarantee fund child node set and a ring chain child node set;
the terminal server comprises a bank child node set;
the platform account node and each user's electronic payment account are each a node, and the electronic payment account comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node; the data sub-nodes in each account are associated with the guarantee fund sub-node, the guarantee fund sub-node is associated with the ring chain sub-node, and the bank sub-node is associated with the data sub-node and the ring chain sub-node; the guarantee fund sub-node and the ring chain sub-node of each user are all respectively associated with the platform account node; the information of the node comprises a node attribute, a money attribute and a connection attribute;
and (4) node attribute: the method comprises the steps of obtaining user real name information of a node, account information of the node and attributes of the node;
the attribute of the amount is: at least one of the node collection amount, the node amount to be allocated and the node amount to own; the node account allocation amount is the allocated allocation amount of a platform account node for a certain node to meet the amount to be received of the next node;
connection attribute: at least one of a node attribute of a previous node or a node attribute of a next node including the present node; the previous node is a node which should pay for the node, and the next node is a node which receives the payment from the node.
The platform server further includes a determination module for computationally determining whether to execute the implementation of the payment plan.
Further, the payment plan customization chain further comprises:
the node information receiving module is used for receiving and storing node information in the front-end server, and the node information comprises a data sub-node set of each user;
the node information picking module is used for transmitting and picking up node information of each node in each server and building a payment plan customized chain among the servers according to node attributes in the node information;
the node designation module is used for designating a certain collection node as a fee payment account in the platform server; an instruction for directionally transmitting the amount data is arranged between two adjacent nodes with the receivable relation due in the payment plan customization chain, and the instruction is in an implementation module and responds when the payment plan is determined to be implemented; the adjacent nodes are a certain node and a previous node thereof, or a certain node and a next node thereof;
the computing module is used for computing the sum X of the amount to be allocated to the nodes of each node, the sum Y of the cost of each node and the difference Z between the sum Y and the cost Y of each node in the platform server; the node account amount x is obtained by calculation, wherein x is the node account amount, the node own account amount and the node collection account amount, and the node account amount at the end of the chain is 0; the node collection amount is equal to the amount due by the node of the last node-the cost of the node, and the node collection amount at the head end of the chain is 0; the amount due by the node, the amount owned by the node and the cost are received in the data sub-node; transmitting the obtained result to a judging module, and judging that the execution payment plan is yes when Z meets the condition; when z does not satisfy the condition, determining that the execution payment plan is no;
the system comprises a customization request receiving module, a platform server and a payment planning module, wherein the customization request receiving module is used for receiving a request for customizing a payment plan, the request is initiated by each debtor after negotiation or is centrally input by an agent in the background, and the request comprises account information of each node, amount a due to the node, amount c owned by the node and cost y; after the establishment, the request formula is implemented if no node repels; if repentance exists, the request is cancelled;
the customization request implementation module is used for transmitting implementation of the payment plan to the terminal server in the platform server; the payment plan determined to be yes by the determination module triggers the customization request implementation module; the platform server transmits the amount data in the platform account node to the ring chain sub-nodes of the corresponding nodes, the receiving and paying operations are completed between the nodes in sequence, the amount data directionally flows from a payer to a payee until the end of the chain, then the data is regenerated into an instruction and transmitted to the terminal server, the operation is performed by a bank sub-node set in the terminal server, and the operation flow is fed back to the platform server through an interface after the operation.
Therefore, a complete device and an operation foundation for solving chain debts are constructed, and on the basis, as long as all debtors of the chain debts agree through negotiation and are judged to be feasible through a platform server, a payment plan can be implemented, and the debt chain can be unzipped.
A method of operating a payment plan customization chain, comprising:
s1, establishing electronic payment accounts of a user, wherein each electronic payment account is used as a node and comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node;
s2, node information of each node is picked up, a payment plan customization chain is built according to node attributes and connection attributes set by each node, and platform account nodes are designated as a charge receiving account and a node amount payment account;
s3, calculating the sum X of the amount to be allocated to the nodes of each node, the sum Y of the cost of each node and the difference Z between the sum Y and the sum Y-X;
s4, judging whether the Z meets the ratio payment condition, if so, initiating a payment request to each node, and enabling the amount data of each node to flow from the bank sub-node to the data sub-node, wherein the step is continuously carried out downwards; if not, initiating a request of refusing payment to each node, and terminating the operation;
s5, receiving a customization request, enabling the amount data in each node to flow to a security child node from a data child node, enabling cost data to enter a platform account node, if each node has repentance after passing through a public period, cancelling the customization request, enabling the cost data to flow back to the security child node from the platform account node, enabling the security child node to flow to the data child node, and stopping operation; if no repentance exists, the money data flows from the security sub-node to the ring chain sub-node, at the moment, an anti-reversion regret protocol is established, and the signal data flow is operated by a platform server;
s6, the platform server triggers platform account nodes according to a payment plan customization chain written with an anti-reversion regret protocol, a proportion gold child node is established according to the amount of money to be allocated by the nodes in the amount attributes of the nodes, and amount data flows from the proportion gold child node to the nodes; completing the flow of the amount data between the nodes with the receipt and payment relationship from the payment node to the collection node until the collection operation is completed at the end of the chain; and simultaneously, the instruction is transmitted to the terminal server, and the node attribute data flow to the bank child node.
After the operation is terminated, each node triggers cash withdrawal operation, and the amount data flows to the bank child node from the data child node.
Furthermore, each electronic payment account is used as a node set, and internal nodes of the electronic payment account are divided into a first-level node, a second-level node and an n-level node according to priorities; each node comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node; and when the system runs, the judgment and the implementation are sequentially carried out according to the priority.
In yet another aspect, the present invention also provides a computer device comprising a processor for implementing the payment plan custom chain operation method as described above when executing a computer program stored in a memory.
In still another aspect, the present invention further provides a computer-readable storage medium, which stores a computer program, and the computer program, when executed by a processor, implements the steps of the method for planning and customizing chain operation.
The invention has the beneficial effects that:
(1) according to the method, the platform server is added, the request for customizing the payment plan is received on the platform server, then judgment is carried out, if the request is judged to be feasible, the platform server collects the expenses and the allocation amount of all the nodes, the platform account nodes directly pay the allocation amount, the implementation of the payment plan customization chain is completed, the debt chain can be instantly separated, and the reaction and operation efficiency is improved.
(2) The invention writes an anti-reversion regret protocol on the payment plan customization chain which is judged to be implemented, the signal data flow is operated by the platform server, the reliability and the reliability are improved, and the foundation and the guarantee are provided for the operation of the payment plan customization chain which is implemented.
(3) Through the operation of the payment plan customization chain, the debtor does not need to rely on fixed discount or subsidy, but the debtor parties negotiate to obtain a complete plan customization chain and then implement the chain, and chain debts can be processed more flexibly and conveniently.
Drawings
FIG. 1 is a flow chart of monetary data among children nodes within a single node of the present invention;
FIG. 2 is a simplified flow diagram of payment chain construction in accordance with an embodiment of the present invention;
FIG. 3 is a diagram of a signaling framework between clients and servers according to an embodiment of the present invention;
FIG. 4 is a diagram illustrating a relationship between specific example scenarios in an embodiment of the present invention;
fig. 5 is an internal structural diagram of a computer device in an embodiment provided by the present invention.
The specific implementation mode is as follows:
in order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention are clearly and completely described below, and it is obvious that the described embodiments are some embodiments of the present invention, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example 1:
as shown in fig. 1-5, the present embodiment provides a payment plan customization chain, which includes a front-end server, a platform server and a terminal server;
the front-end server comprises a data sub-node set; the front-end server is connected with the client through a network, the client can be a client which runs on electronic equipment with digital processing capacity and has an electronic exchange function, and the electronic equipment can be a mobile phone, a tablet computer, a laptop portable computer, a desktop computer and the like.
The platform server comprises a platform account node, a guarantee fund child node set and a ring chain child node set;
the terminal server comprises a bank sub-node set;
as shown in fig. 3, the electronic device with data processing capability (with the client), the front-end server, the platform server, and the terminal server may be connected to each other through a wireless network or a wired network.
Each server can be a server, or a server cluster consisting of a plurality of servers, or a cloud computing service center; the front-end server is used for interactively providing electronic exchange services with the electronic equipment where the client is located; the front-end server and the platform server are generally set up by an internet service provider, and the terminal server is set up by a financial institution; the platform server is used as a bridge between the front-end server and the terminal server and is a server for implementing a payment plan customization chain.
The platform account node and each user's electronic payment account are each a node, and the electronic payment account comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node; the data sub-nodes in each account are associated with the guarantee fund sub-node, the guarantee fund sub-node is associated with the ring chain sub-node, and the bank sub-node is associated with the data sub-node and the ring chain sub-node; the guarantee fund sub-node and the ring chain sub-node of each user are all respectively associated with the platform account node; the information of the node comprises a node attribute, a money attribute and a connection attribute;
and (4) node attribute: the method comprises the steps of obtaining user real name information of a node and account information and attributes of the node;
the amount attribute is: at least one of the node collection amount, the node amount to be allocated and the node amount to own; the node account allocation amount is the allocated allocation amount of a platform account node for a certain node to meet the amount to be received of the next node;
connection attribute: at least one of a node attribute of a previous node or a node attribute of a next node including the present node; the previous node is a node which should pay for the node, and the next node is a node which receives the payment from the node.
The platform server further includes a determination module for computationally determining whether to execute the implementation of the payment plan.
It should be noted that, in the embodiments of the present invention, the terms referred to are:
the user real name information is used for checking account information of an existing savings account or a bank card account through the terminal server, and checking the existing national public basic information through the terminal server and other third-party servers (third-party payment such as communication payment).
The user real name information comprises at least one of name, identification card number, identification card photocopy, bank card number, enterprise name, social uniform credit code, business license photocopy plate and public account information.
The electronic payment account is an account which is used for completing electronic conversion in the electronic conversion function established in the server by the user. Different users correspond to different electronic payment accounts. The electronic payment account is internally provided with a plurality of sub-nodes, namely a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node.
In addition, the payment plan customization chain of the present embodiment further includes:
the node information receiving module is used for receiving and storing node information in the front-end server, and the node information comprises a data sub-node set of each user; the node information picking module is used for transmitting and picking up node information of each node in each server and building a payment plan customized chain among the servers according to node attributes in the node information;
the node designation module is used for designating a certain collection node as a fee payment account in the platform server; an instruction for directionally transmitting the amount data is arranged between two adjacent nodes with the receivable relation due in the payment plan customization chain, and the instruction is in an implementation module and responds when the payment plan is determined to be implemented; the adjacent nodes are a certain node and a previous node thereof, or a certain node and a next node thereof;
the computing module is used for computing the sum X of the amount to be allocated to the nodes of each node, the sum Y of the cost of each node and the difference Z between the sum Y and the cost Y of each node in the platform server; the node account amount x is obtained by calculation, wherein x is the node account amount, the node own account amount and the node collection account amount, and the node account amount at the end of the chain is 0; the node collection amount is equal to the amount due by the node of the last node-the cost of the node, and the node collection amount at the head end of the chain is 0; the amount due by the node, the amount owned by the node and the cost are received in the data sub-node; transmitting the obtained result to a judging module, and judging that the execution payment plan is yes when Z meets the condition; when z does not satisfy the condition, determining that the execution payment plan is no;
the system comprises a customization request receiving module, a platform server and a payment planning module, wherein the customization request receiving module is used for receiving a request for customizing a payment plan, the request is initiated by each debtor after negotiation or is centrally input by an agent in the background, and the request comprises account information of each node, amount a due to the node, amount c owned by the node and cost y; after the establishment, the request formula is implemented if no node repels; if repentance exists, the request is cancelled;
a customization request implementation module in the platform server for transmitting implementation of the payment plan to the terminal server; the payment plan determined to be yes by the determination module triggers the customization request implementation module; the platform server transmits the amount data in the platform account node to the ring chain sub-nodes of the corresponding nodes, the receiving and paying operations are completed between the nodes in sequence, the amount data directionally flows from a payer to a payee until the end of the chain, then the data is regenerated into an instruction and transmitted to the terminal server, the operation is performed by a bank sub-node set in the terminal server, and the operation flow is fed back to the platform server through an interface after the operation.
Further, before the node information receiving module, the method further includes:
the account application information receiving module is used for receiving the account application information of the user sent by the client in the front-end server, and the account application information is the account application information of the user acquired by the client; the account application information comprises user real-name information, and the user real-name information comprises: the system comprises at least one of an enterprise name, a social unified credit code, a business license photocopy plate, public account information, a name, an identification card number, an identification card photocopy and a bank card number;
and the account application information sending module is used for sending the account application information to the terminal server in the front-end server. The method comprises the step of binding the electronic payment account and the bank card of the user after the electronic payment account is opened for the user, wherein the binding of the electronic payment account and the bank card of the user is the binding after the terminal server receives the verification success instruction.
Further, after the operation of the payment plan customization chain is terminated, the method further comprises the following steps:
the transfer completion receiving module is used for receiving transfer completion instructions of all the nodes and the platform account nodes, and the transfer completion instructions are transfer completion instructions sent by the terminal server;
the cash withdrawal or transfer request receiving module is used for receiving cash withdrawal or transfer requests of any node and sending the cash withdrawal or transfer requests to the front-end server and the terminal server, the cash withdrawal or transfer requests are used for triggering the front-end server and the terminal server to complete cash withdrawal of a user or transfer of an electronic account appointed to the user, and the appointed electronic account refers to user input acquired by the client or the appointed electronic account.
The modules are used in a platform, and the modules can be wholly or partially realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
Therefore, a complete device and an operation foundation for solving the chain debts are constructed, and on the basis, as long as all debtors of the chain debts agree through negotiation and are judged to be feasible through the platform server, a payment plan can be implemented, and the debt chain can be unzipped.
The construction method of the payment plan customization chain comprises the following steps:
the client acquires user real name information of a user and sends the user real name information to the front-end server, and the front-end server stores the information in the data sub-node set and opens a front-end account, namely an account of a user interface; the front-end server sends the node information to the platform server, the platform server sets corresponding guaranteed gold child nodes to form a guaranteed gold child node set, and sets corresponding loop chain child nodes to form a loop chain child node set; the front-end server simultaneously sends the electronic payment account and the user real-name information to the terminal server, the terminal server verifies the user real-name information, and after verification is successful, the amount data can be transmitted;
each user is a node, the node information comprises node attributes, money attributes and connection attributes, and the node information can be input by each user through an APP or a computer. And (4) node attribute: and (4) node attribute: the method comprises the steps of obtaining user real name information of a node and electronic payment account information of the node; the amount attribute is: at least one of the amount due by the node, the amount owned by the node, the amount received by the node and the cost; the connection attribute is as follows: at least one of a node attribute of a previous node or a node attribute of a next node including the present node; the previous node is a node which should pay for the node, and the next node is a node which receives the payment from the node.
The front-end server receives and stores the node information, and after node designation, calculation and judgment are carried out through the platform server, if the judgment is that the node is executed, a complete receiving payment plan customization chain is constructed.
In a complete overview, a method for operating a payment plan customization chain includes the steps of:
s1, establishing electronic payment accounts of users, wherein each electronic payment account is used as a node and comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node (namely, node attributes of perfect nodes);
s2, node information of each node is picked up, a payment plan customization chain is set up in advance according to node attributes and connection attributes set by each node, and platform account nodes are designated as a charge receiving account and a node amount payment account; at this time, each user with debt relationship sets the amount due of the node, the amount owned by the node and the specific amount of the fee (namely, perfecting the node amount attribute) by himself, and inputs the respective payment and receipt relationship (namely perfecting the connection attribute);
s3, the platform server calculates the sum X of the amount to be allocated to each node on the preset payment plan customization chain, the sum Y of the cost of each node and the difference Z between the sum Y and the sum X of the amount to be allocated to each node according to the picked node information;
s4, judging whether z meets the proportion payment condition, if so, initiating a payment request to each node, and after the money amount data of each node flows to a data sub-node from a bank sub-node, namely, the step is continued downwards after the recharging operation is finished; if not, initiating a request of refusing payment to each node, and terminating the operation;
s5, receiving a customization request, enabling the amount data in each node to flow to a security child node from a data child node, enabling cost data to enter a platform account node, if each node has repentance after a public period, cancelling the customization request, enabling the cost data to flow back to the security child node from the platform account node, and enabling the security child node to flow to the data child node; if no regret exists, the money data flows from the fund sub-node to the ring chain sub-node, at the moment, an anti-reversion regret protocol is established, and the signal data flow is operated by a platform server; the operation can standardize each debtor after the official period without repentance, and the server can smoothly complete the collection and payment operation so as to achieve the purpose of high-efficiency processing;
s6, the platform server triggers platform account nodes according to a payment plan customization chain written with an anti-reversion regret protocol, a proportion gold child node is established according to the amount of money to be allocated by the nodes in the amount attributes of the nodes, and amount data flows from the proportion gold child node to the nodes; completing the flow of the amount data from the payment node to the collection node among the nodes with the receipt and payment relationship until the collection operation is completed at the end of the chain; and simultaneously, the instruction is transmitted to a terminal server, communication or third-party operation can be performed between the instruction and the terminal server, the node attribute data flow to the sub-nodes of the bank, and account transfer information and payment receiving and paying operations are formed in the bank.
After the operation is terminated, each node triggers the cash-out operation, and the amount data flows to the bank child node from the data child node.
The invention also provides a computer device comprising a processor for implementing a payment plan custom chain operating method as described above when executing a computer program stored in a memory.
The invention also provides a computer-readable storage medium, in which a computer program is stored, which, when executed by a processor, implements the steps of the above-described method for planning a custom chain run.
The present embodiment is applied in a specific scene as follows:
as shown in fig. 4, the curved arrows point to the amount B due for the node and the flow direction thereof, that is, a should pay 10 ten thousand arrears to B, B should pay 20 ten thousand arrears to C, C should pay 30 ten thousand arrears to D, and D should pay 25 ten thousand arrears to E; one side of the letter is the existing fund of each debtor, namely the self-owned amount C of the node, namely the existing fund of A is 7 ten thousand yuan, the existing fund of B is 6 ten thousand yuan, the existing fund of C is 10 ten thousand yuan, and the existing fund of D is 0 ten thousand yuan; A. b, C, D, E five persons respectively negotiate to determine that each person pays partial fee y for making a payment plan customization chain, and the paid amount is below the letter, namely 1 ten thousand yuan is paid by B, 5 ten thousand yuan is paid by C, 5 ten thousand yuan is paid by D, and 4 ten thousand yuan is paid by E; calculating to obtain a node payment amount a indicated by a straight arrow, namely B receives 9 ten thousand yuan from A, C receives 15 ten thousand yuan from B, D receives 25 ten thousand yuan from C, and E receives 21 ten thousand yuan from D; meanwhile, matching golden x matched with a platform shown above the letters can be obtained, namely, matching A with 3 ten thousand yuan, matching B with 5 ten thousand yuan, matching C with 5 ten thousand yuan and matching D with 0 ten thousand yuan.
Calculating the total cost Y to be 1(B) +5(C) +5(D) + E (4) to be 15 ten thousand yuan;
the total X of the gold is 3(A) +5(B) + C (5) + D (0) ═ 13 ten thousand yuan;
the proportion payment condition specified by the platform is assumed to be (sum of expenses Y-sum of proportion gold X)/sum of proportion gold X is more than or equal to 10 percent, and the implementation can be carried out; if the proportion payment condition in this scenario is determined to be (15-13) ÷ 13 ═ 15.38, and the condition of ≥ 10% is satisfied, the execution of the payment plan customization chain is started. A. B, C, D, E, respectively storing the amount of the node into the account of the client, wherein the amount data of the sub-node of the bank flows to the sub-node of the data, the data of the sub-node of the data flows to the guaranteed fund node, the charge is deducted and the public is carried out at the moment, the amount data of the charge flows to the platform account node, during the public period, if the repentance exists, the charge is returned, namely the amount data of the money of the guaranteed fund node flows to the sub-node of the platform account node, and the amount data of the fund node flows to the sub-node of the data, and the data at the moment can be bidirectionally circulated; if no regret exists at the time of official display expiration in A, B, C, D, E, the amount data enters the ring chain child node from the guaranteed fund node, at this time, the payment plan customization chain writes in an anti-regret protocol, the amount data is a single stream, namely, the amount data can only flow from a flow to B, B to C, C to D, D to E, the specific process is that the platform account node establishes the proportion fund nodes 1, 2, 3 and 4 according to the amount of money to be allocated by the nodes in the amount attribute of each node of the payment plan customization chain, the amount data flows from the proportion fund nodes to the corresponding nodes (1 to a, 2 to B, 3 to C and 4 to D), then payment is completed, namely, the amount data of the node a flows to B, B to C, C to D, D to E, and thus, the implementation of the payment plan customization chain is completed, and the chain of chain debt is also completed.
The embodiment also provides a computer device, which may be a server, and the internal structure diagram of the computer device may be as shown in fig. 4. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing data such as node attributes, money attributes, connection attributes and the like of each user. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a payment chain construction method.
Those skilled in the art will appreciate that the architecture shown in fig. 4 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program:
s1, establishing electronic payment accounts of users, wherein each electronic payment account is used as a node and comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node (namely, node attributes of perfect nodes);
s2, picking up node information of each node, pre-building a payment plan customization chain according to node attributes and connection attributes set by each node, and appointing platform account nodes as a charge receiving account and a node account for payment of the amount to be allocated; at this time, each user with debt relationship sets the node amount due, the node amount owned, the node amount collected and the specific amount of the fee (namely, perfection of the node amount attribute), and inputs the respective payment and receipt relationship (namely perfection of the connection attribute);
s3, the platform server calculates the sum X of the amount to be allocated to the nodes of each node on the preset payment plan customization chain, the sum Y of the cost of each node and the difference Z between the sum Y and the sum X of the cost of each node according to the picked node information;
s4, judging whether z meets the proportion payment condition, if so, initiating a payment request to each node, and after the money amount data of each node flows to a data sub-node from a bank sub-node, namely, the recharging operation is finished, continuing the steps and then going downwards; if not, initiating a request of refusing payment to each node, and terminating the operation;
s5, receiving a customization request, enabling the amount data in each node to flow to a security child node from a data child node, if repentance exists after each node passes through a public period, cancelling the customization request, enabling the amount data to flow to the data child node from the security child node, and stopping operation; if no regret exists, the money data flows from the fund sub-node to the ring chain sub-node, at the moment, an anti-reversion regret protocol is established, and the signal data flow is operated by a platform server; the operation can standardize that each debtor after the public period does not repent any more, and the server can smoothly complete the collection and payment operation so as to achieve the purpose of high-efficiency processing;
s6, the platform server customizes the chain according to the payment plan written with the anti-reversion regret protocol, triggers a platform account node, and deducts the cost data of each node from the head of the chain to the tail of the chain into the platform account node; establishing a proportion gold sub-node according to the amount to be allocated to the node in the amount attribute of each node, wherein the amount data flows from the proportion gold sub-node to each node; completing the flow of the amount data from the payment node to the collection node among the nodes with the receipt and payment relationship until the collection operation is completed at the end of the chain; and simultaneously, the instruction is transmitted to a terminal server, communication or third-party operation can be performed between the instruction and the terminal server, the node attribute data flow to the sub-nodes of the bank, and account transfer information and payment receiving and paying operations are formed in the bank.
After the operation is terminated, each node triggers the cash-out operation, and the amount data flows to the bank child node from the data child node.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), RambuS (RambuS) direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
Example 2:
each electronic payment account is used as a node set, and internal nodes of the electronic payment account are divided into a first-level node, a second-level node and a third-level node according to priorities; each node comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node; and when the system runs, the judgment and the implementation are sequentially carried out according to the priority.
Pre-establishing a first payment plan customization chain between the primary node and other nodes;
a second payment plan customization chain is pre-established between the secondary node and other nodes;
a third payment plan customization chain is pre-established between the third-level node and other nodes;
the amount data in the account preferably meets the first payment plan customization chain implementation, and then meets the second payment plan customization chain implementation and the third payment plan customization chain implementation in sequence.
The priority can be set up according to the receiving and paying relation or according to the time, and is decided by the user.
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
Claims (6)
1. A payment plan custom chain system, characterized by: the system comprises a front-end server, a platform server and a terminal server;
the front-end server comprises a data sub-node set;
the platform server comprises a platform account node, a guarantee fund child node set and a ring chain child node set;
the terminal server comprises a bank child node set;
the platform account node and each user's electronic payment account are each a node, and the electronic payment account comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node; the data sub-nodes in each account are associated with the guarantee fund sub-node, the guarantee fund sub-node is associated with the ring chain sub-node, and the bank sub-node is associated with the data sub-node and the ring chain sub-node; the guarantee fund sub-node and the ring chain sub-node of each user are all respectively associated with the platform account node; the information of the node comprises a node attribute, a money attribute and a connection attribute;
and (4) node attribute: the method comprises the steps of obtaining user real name information of a node and account information and attributes of the node;
the amount attribute is: at least one of the node collection amount, the node amount to be allocated and the node amount to own; the node account allocation amount is the allocated allocation amount of a platform account node for a certain node to meet the amount to be received of the next node;
connection attribute: at least one of a node attribute of a previous node or a node attribute of a next node including the present node; wherein, the previous node is the node which should pay for the node, and the next node is the node which receives the payment of the node;
the platform server also comprises a judging module used for calculating and judging whether to execute the payment plan;
the payment plan custom chain system further comprises:
the node information receiving module is used for receiving and storing node information in the front-end server, and the node information comprises a data sub-node set of each user; the node information picking module is used for transmitting and picking up node information of each node in each server and building a payment plan customized chain system among the servers according to node attributes in the node information;
the node designation module is used for designating a certain collection node as a fee payment account in the platform server; an instruction for directionally transmitting the amount data is arranged between two adjacent nodes with the receivable relation due to the payment plan customized chain system, and the instruction is in an implementation module and responds when the payment plan is determined to be implemented; the adjacent nodes are a certain node and a previous node thereof, or a certain node and a next node thereof;
the computing module is used for computing the sum X of the amount to be allocated to the nodes of each node, the sum Y of the cost of each node and the difference Z between the sum Y and the cost Y of each node in the platform server; the node account amount x is obtained by calculation, wherein x is the node account amount, the node own account amount and the node collection account amount, and the node account amount at the end of the chain is 0; the node collection amount is equal to the amount due by the node of the last node-the cost of the node, and the node collection amount at the head end of the chain is 0; the amount due by the node, the amount owned by the node and the cost are received in the data sub-node; transmitting the obtained result to a judging module, and judging that the execution payment plan is yes when Z meets the condition; when z does not satisfy the condition, determining that the execution payment plan is no;
the system comprises a customization request receiving module, a platform server and a payment planning module, wherein the customization request receiving module is used for receiving a request for customizing a payment plan, the request is initiated by each debtor after negotiation or is centrally input by an agent in the background, and the request comprises account information of each node, amount a due to the node, amount c owned by the node and cost y; after the establishment, the request is disclosed, and if no node repels, the implementation is carried out; if repentance exists, the request is cancelled;
a customization request implementation module in the platform server for transmitting implementation of the payment plan to the terminal server; the payment plan determined to be yes by the determination module triggers the customization request implementation module; the platform server transmits the amount data in the platform account node to the ring chain sub-nodes of the corresponding nodes, the receiving and paying operations are completed between the nodes in sequence, the amount data directionally flows from a payer to a payee until the end of the chain, then the data is regenerated into an instruction and transmitted to the terminal server, the operation is performed by a bank sub-node set in the terminal server, and the operation flow is fed back to the platform server through an interface after the operation.
2. The operation method of the payment plan customization chain system is characterized in that: the system for customizing a chain using a payment plan as set forth in claim 1, comprising the steps of:
s1, establishing electronic payment accounts of a user, wherein each electronic payment account is used as a node and comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node;
s2, picking up node information of each node, building a payment plan customized chain system according to node attributes and connection attributes set by each node, and designating platform account nodes as a charge receiving account and a node account payment account;
s3, calculating the sum X of the amount to be allocated to the nodes of each node, the sum Y of the cost of each node and the difference Z between the sum Y and the sum Y-X;
s4, judging whether the Z meets the ratio payment condition, if so, initiating a payment request to each node, and enabling the amount data of each node to flow from the bank sub-node to the data sub-node, wherein the step is continuously carried out downwards; if not, initiating a payment refusal request to each node, and terminating operation;
s5, receiving a customization request, enabling money data in each node to flow to a guaranteed fund node from a data sub-node, enabling cost data to enter a platform account node, enabling each node to have repentance after a public period, cancelling the customization request, enabling the cost data to flow back to the guaranteed fund node from the platform account node, enabling the fund node to flow to the data sub-node, and stopping operation; if no repentance exists, the money data flows from the security sub-node to the ring chain sub-node, at the moment, an anti-reversion regret protocol is established, and the signal data flow is operated by a platform server;
s6, the platform server customizes a link system according to a payment plan written with a reverse prevention regret protocol, triggers a platform account node, establishes a matching money node according to the amount to be matched of the node in the amount attribute of each node, and allows amount data to flow from the matching money node to each node; completing the flow of the amount data between the nodes with the receipt and payment relationship from the payment node to the collection node until the collection operation is completed at the end of the chain; and simultaneously, the instruction is transmitted to the terminal server, and the node attribute data flow to the bank child node.
3. A method of operating a payment plan custom chain system as claimed in claim 2, wherein: after the operation is terminated, each node triggers cash withdrawal operation, and the amount data flows to the bank child node from the data child node.
4. A method of operating a payment plan custom chain system as claimed in claim 2, wherein: each electronic payment account is used as a node set, and internal nodes of the electronic payment account are divided into a first-level node, a second-level node and an n-level node according to priorities; each node comprises a data sub-node, a guarantee fund sub-node, a ring chain sub-node and a bank sub-node; and when the system runs, the judgment and the implementation are sequentially carried out according to the priority.
5. A computer device for executing the method of claim 2, wherein: the computer device comprises a processor for implementing the method of operation of the payment plan custom chain system when executing a computer program stored in a memory.
6. A computer-readable storage medium for use in the method of claim 2, wherein: the computer-readable storage medium stores a computer program that, when executed by a processor, performs the steps of the method of operating a payment plan customization chain system.
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