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Crowdfunding based credit-debt chain processing method and system

A processing method and processing system technology, which is applied in the field of credit and debt chain processing based on crowdfunding, can solve problems such as the inability to realize a large number of non-closed credit and debt chain credit and debt payments, and achieve the effect of reducing financing costs and financing needs

Inactive Publication Date: 2016-02-10
QINGDAO YOURONG DEV CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] What the present invention aims to solve is the technical problem that the prior art cannot realize the payment of creditor's rights and debts of a large number of non-closed creditor's rights and debt chains

Method used

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  • Crowdfunding based credit-debt chain processing method and system
  • Crowdfunding based credit-debt chain processing method and system
  • Crowdfunding based credit-debt chain processing method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0017] Embodiment 1, a method for processing creditor's rights and debts chains based on crowdfunding, including: step 1, storing the information of the subjects with creditors' rights and debts in the database; Nodes, in-depth traversal of the creditor's rights and debts table in the database to match crowdfunding nodes in the chain, matching the creditor's rights and debts chain; step 3, taking the minimum amount of creditor's rights and debts in the chain as the payment amount.

[0018] Specifically, the subject with creditor's rights and debts is the customer, and a customer is a node. This method is a method of reducing the amount of payables and balancing creditor's rights and debts based on crowdfunding.

[0019] Further, for the matching creditor's rights and debts chain in the step 2, the matching creditor's rights and debts chain is a debt chain that can achieve successful payment; whether successful payment can be achieved is determined by the debt repayment ratio o...

Embodiment 2

[0034] Embodiment 2, a method for processing creditor's rights and debt chains based on crowdfunding, such as figure 1 To such as Figure 4 Shown include:

[0035] Step 1: Customer registration. Subjects with creditor’s rights and debts should register as members on the platform with ID card, business license and other relevant identity information, and complete personal information including real name, photo of ID card, contact information (such as mobile phone number, Email, QQ, WeChat), contact address etc. In addition, all member information is kept strictly confidential by the platform and stored in the database.

[0036] Step 2: Release and confirmation of creditor's rights and debt information. After completing the personal information, the member publishes the creditor's rights and debt information and related party information on the platform, and then waits for the other party's confirmation. The corresponding debtors, creditors and related parties need to regis...

Embodiment 3

[0071] Embodiment 3, a creditor's rights and debts chain processing system based on crowdfunding, such as Figure 5 As shown, it includes: a server and multiple clients; the processing method of the server is as follows: Step 1, store the information of the subject with creditor’s rights and debts in the database; Nodes, in-depth traversal of the creditor's rights and debts table in the database to match the crowdfunding nodes in the chain, and match the creditor's rights and debts chain; step 3, take the minimum amount of creditors' rights and debts in the chain as the payment amount.

[0072] Specifically, the present invention is a debt balance system based on crowdfunding that reduces the amount of payables, including a client and a server. The server performs background management, and the client interface uses the Axure design tool.

[0073] Further, for the matching creditor's rights and debts chain in the step 2, the matching creditor's rights and debts chain is a debt...

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Abstract

The present invention discloses a crowdfunding based credit-debt chain processing method and system, and relates to the technical field of information management. The method and system solve the technical problem that credit-debt payments of a large number of non-closed credit-debt chains cannot be realized in the prior art. The technical scheme comprises: step 1, storing information of main bodies with credits and debts in a database; step 2, for two nodes, i.e., an initial end debtor and a tail end creditor, of each chain, deeply traversing a credit-debt table in the database to match crowdfunding nodes in the chains, and matching the credit-debt chains to find an optimal chain; and step 3, using a minimum credit-debt amount in the optimal chain as a payment amount.

Description

technical field [0001] The present invention relates to the technical field of information management, in particular to a method and system for processing creditor's rights and debt chains based on crowdfunding. Background technique [0002] At present, China's debts and debts are huge, and the economy is facing severe challenges. The balance of debts and debts and the sluggish payment have led to shrinking liquidity, which in turn has led to increased downward pressure and slow or even stagnant economic development. In real life, there have been a large number of instances of capital collapse and corporate bankruptcy caused by mutual default of debts. Huge debts have formed a "barrier lake" and become a sharp edge hanging over economic development. [0003] The existing triangular debt and multi-angle debt solutions are based on the closed creditor-debt relationship between three or more creditor-debtor subjects, so it is impossible to realize the payment of creditor-debt i...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04
Inventor 徐乐家崔建明张小军徐晓玲霍永
Owner QINGDAO YOURONG DEV CO LTD
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