A method and device for transferring credit certificate

Abstract

The embodiment of the present invention provides a credit certificate circulation method and device, which can be used in the field of artificial intelligence technology. The method includes: generating a new account record and a new transfer record according to the credit certificate issued by the transferor enterprise to the receiving enterprise; updating the account table set according to the new account record, and updating the sub-account table set according to the new transfer record, which can reduce the user's learning cost, facilitate user understanding, and reduce the difficulty of account verification.

Description

Technical Field

[0001] The present invention relates to the field of supply chain technology, in particular to the field of artificial intelligence technology, and more particularly to a credit certificate circulation method and device. Background Art

[0002] At present, in the field of supply chain finance, the most commonly used credit transfer tool is the electronic credit certificate, which is a detachable and transferable payment commitment letter due, which is essentially accounts receivable or accounts payable. In related technologies, a circulation record table is generated according to the circulation process of the electronic credit certificate. The data structure of the circulation record table is a tree structure with states. However, the recorded information in this data structure is confusing, which makes it easy for users to misunderstand when viewing it, and what they see is not what they get, making account verification extremely difficult. Summary of the invention

[0003] One object of the present invention is to provide a credit certificate circulation method, which can reduce the user's learning cost, facilitate user understanding, and reduce the difficulty of account verification. Another object of the present invention is to provide a credit certificate circulation device. Another object of the present invention is to provide a computer-readable medium. Another object of the present invention is to provide a computer device.

[0004] In order to achieve the above objectives, the present invention discloses a credit certificate circulation method, comprising:

[0005] Generate new account records and new transfer records based on the credit certificate issued by the transferor to the recipient;

[0006] The account table that is set is updated according to the newly added account records, and the sub-account table that is set is updated according to the newly added transfer records.

[0007] Preferably, the credit certificate includes the credit certificate number, the transfer amount, the transferor enterprise and the recipient enterprise;

[0008] Generate new account records and new transfer records based on the credit voucher issued by the transferor to the recipient, including:

[0009] Obtain the account identification code and credit certificate number of the transferring enterprise;

[0010] Generate new account records based on the credit voucher number, transfer amount, transferor enterprise and recipient enterprise;

[0011] A new transfer record is generated based on the credit voucher number, transfer amount, transferor enterprise, recipient enterprise and account identification code of the transferor enterprise.

[0012] Preferably, the newly added account record includes the original amount, the transferred amount and the available amount;

[0013] Generate new account records based on the credit voucher number, transfer amount, transferor and recipient company, including:

[0014] Determine the transfer amount as the original amount and set the transferred amount to zero;

[0015] Subtract the transferred amount from the original amount to generate the available amount.

[0016] Preferably, the account table updated and set according to the newly added account record, and the sub-account table updated and set according to the newly added transfer record, include:

[0017] Write the new account record into the account table;

[0018] If the transferred enterprise is a non-core enterprise, update the account records in the account table except for the newly added account records according to the newly added account records;

[0019] Write the newly added transfer record into the sub-account table;

[0020] If the transferring enterprise is a non-core enterprise, the transfer records except the newly added transfer records in the sub-account table shall be updated according to the newly added transfer records.

[0021] Preferably, updating the account records in the account table except the newly added account record according to the newly added account record includes:

[0022] Adding the transferred amount of the account records other than the newly added account record to the transferred amount of the newly added account record to generate an updated transferred amount of the account records other than the newly added account record;

[0023] The transfer amount of the new account record is subtracted from the available amount of the account record other than the new account record to generate an updated available amount of the account record other than the new account record.

[0024] Preferably, the transfer record includes a transfer record status;

[0025] Update the transfer records in the sub-account table except for the newly added transfer records according to the newly added transfer records, including:

[0026] The transfer record status of transfer records other than the newly added transfer record whose receiving enterprise is the same as the transferring enterprise of the newly added transfer record is updated to invalid.

[0027] Preferably, after updating the account table set according to the account record and updating the sub-account table set according to the transfer record, the method further includes:

[0028] The account table is visualized so that users can view the multi-level flow of credit documents.

[0029] The present invention also discloses a credit certificate circulation device, comprising:

[0030] A generating unit, used for generating a new account record and a new transfer record according to the credit certificate issued by the transferor enterprise to the recipient enterprise;

[0031] The updating unit is used to update the set account table according to the newly added account record, and to update the set sub-account table according to the newly added transfer record.

[0032] Preferably, the credit certificate includes the credit certificate number, the transfer amount, the transferor enterprise and the recipient enterprise;

[0033] The generating unit is specifically used to obtain the account identification code and credit voucher number of the transferring enterprise; generate a new account record according to the credit voucher number, the transfer amount, the transferring enterprise and the receiving enterprise; generate a new transfer record according to the credit voucher number, the transfer amount, the transferring enterprise, the receiving enterprise and the account identification code of the transferring enterprise.

[0034] The present invention also discloses a computer-readable medium on which a computer program is stored. When the program is executed by a processor, the method described above is implemented.

[0035] The present invention also discloses a computer device, including a memory and a processor, wherein the memory is used to store information including program instructions, the processor is used to control the execution of program instructions, and the processor implements the above method when executing the program.

[0036] The present invention generates new account records and new transfer records based on the credit certificate issued by the transferring enterprise to the receiving enterprise; the account table updated and set according to the new account record, and the sub-account table updated and set according to the new transfer record, can reduce the user's learning cost, facilitate user understanding, and reduce the difficulty of account verification. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0038] Figure 1 A business logic relationship diagram of a credit certificate provided by an embodiment of the present invention;

[0039] Figure 2 A schematic diagram of a data structure corresponding to a business logic relationship provided by an embodiment of the present invention;

[0040] Figure 3 A flow chart of a credit certificate circulation method provided by an embodiment of the present invention;

[0041] Figure 4 A flowchart of another credit certificate circulation method provided by an embodiment of the present invention;

[0042] Figure 5 A schematic diagram of the structure of a credit certificate circulation device provided by an embodiment of the present invention;

[0043] Figure 6 A schematic diagram of the structure of a computer device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0044] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0045] It should be noted that the credit credential circulation method and device disclosed in the present application can be used in the field of artificial intelligence technology, and can also be used in any field other than the field of artificial intelligence technology. The application field of the credit credential circulation method and device disclosed in the present application is not limited.

[0046] In order to facilitate the understanding of the technical solution provided by this application, the relevant contents of the technical solution of this application are first explained below. A credit certificate is a detachable and transferable payment commitment letter due, which is essentially accounts receivable or accounts payable. The circulation records of credit certificates in related technologies are relatively confusing, which makes it easy for users to make misunderstandings when viewing them, the learning cost is high, and the accounting verification work is extremely difficult. The following is a specific example to illustrate the circulation records of credit certificates in related technologies:

[0047] Figure 1 A business logic relationship diagram of a credit certificate provided by an embodiment of the present invention, such as Figure 1 As shown, the core enterprise issues a credit certificate with a transfer amount of 1 million to the first-tier supplier A; the first-tier supplier A will transfer 400,000 of the 1 million to the second-tier supplier A-1, and 200,000 to the second-tier supplier A-2; the first-tier supplier A will have the remaining 400,000. Figure 2 A schematic diagram of a data structure corresponding to a business logic relationship provided by an embodiment of the present invention, the data structure includes an identification code (ID), a number, a transferor enterprise, a receiving enterprise, an upper level ID, an amount and a status. Figure 2As shown, when the core enterprise issues a credit certificate with a transfer amount of 1 million to the first-level supplier A, a corresponding circulation information is generated, including ID 1, number 001, the transferor is the core enterprise, the recipient is the first-level supplier A, the previous level ID is empty (NULL), the amount is 1 million, and the status is valid. When first-tier supplier A transfers 400,000 out of 1 million to second-tier supplier A-1, two pieces of transfer information are generated. One piece of transfer information includes ID 2, number 002, the transferring enterprise is first-tier supplier A, the receiving enterprise is second-tier supplier A-1, the previous level ID is 1, the amount is 400,000, and the status is valid; the other piece of transfer information includes ID 3, number 002, the transferring enterprise is first-tier supplier A, the receiving enterprise is first-tier supplier A, the previous level ID is 1, the amount is 600,000, and the status is valid, that is, first-tier supplier A splits the 1 million credit voucher into two, one for 600,000 transferred to first-tier supplier A itself, and the other for 400,000 transferred to second-tier supplier A-1, and at the same time changes the status of the transfer information with ID 1 to invalid. When the first-tier supplier A transfers another 200,000 to the second-tier supplier A-2, two pieces of transfer information are generated. One piece of transfer information includes an ID of 4, a number of 004, the transferring enterprise is the first-tier supplier A, the receiving enterprise is the second-tier supplier A-2, the previous level ID is 3, the amount is 200,000, and the status is valid; the other piece of transfer information includes an ID of 5, a number of 005, the transferring enterprise is the first-tier supplier A, the receiving enterprise is the first-tier supplier A, the previous level ID is 3, the amount is 400,000, and the status is valid, that is, the first-tier supplier A splits the remaining 600,000 credit vouchers into two, one for 400,000 transferred to the first-tier supplier A itself, and the other for 200,000 transferred to the second-tier supplier A-2. At the same time, the status of the transfer information with ID 3 is changed to invalid, and the number is changed to 003. Figure 2 The data structure shown is a tree structure with status. With each transfer, the credit certificate is first split into two, one for itself and one for the receiving enterprise, and other circulation information is modified accordingly. Figure 2 The information in the data structure shown is rather confusing and changeable, which may cause users to easily make misunderstandings when viewing it, resulting in a high learning cost and great difficulty in account verification.

[0048] The following uses the credit credential circulation device as an example to illustrate the implementation process of the credit credential circulation method provided by the embodiment of the present invention. It is understandable that the execution subject of the credit credential circulation method provided by the embodiment of the present invention includes but is not limited to the credit credential circulation device.

[0049] Figure 3 A flow chart of a credit certificate circulation method provided by an embodiment of the present invention, such as Figure 3 As shown, the method includes:

[0050] Step 101: Generate a new account record and a new transfer record based on the credit certificate issued by the transferor to the recipient.

[0051] Step 102: Update the account table according to the newly added account record, and update the sub-account table according to the newly added transfer record.

[0052] In the technical solution provided by the embodiment of the present invention, new account records and new transfer records are generated according to the credit certificate issued by the transferring enterprise to the receiving enterprise; the account table set up according to the new account record is updated, and the sub-account table set up according to the new transfer record is updated, which can reduce the user's learning cost, facilitate user understanding, and reduce the difficulty of account verification.

[0053] Figure 4 A flowchart of another credit certificate circulation method provided by an embodiment of the present invention is as follows: Figure 4 As shown, the method includes:

[0054] Step 201: Receive the credit certificate issued by the transferor enterprise to the recipient enterprise.

[0055] In the embodiment of the present invention, each step is executed by a credit certificate circulation device.

[0056] In the embodiment of the present invention, the credit certificate is a detachable and transferable payment commitment letter, which is essentially accounts receivable or accounts payable. The credit certificate includes the credit certificate number, the transfer amount, the transferor enterprise and the recipient enterprise.

[0057] Step 202: Generate a new account record and a new transfer record based on the credit certificate.

[0058] In the embodiment of the present invention, an account structure is set, which includes an account table and a sub-account table. The account table represents the circulation information of the credit certificate, and the sub-account table represents each step of the transfer record of the credit certificate. The user can only see the records in the account table, and cannot view the records in the sub-account table, so as to avoid misunderstandings in the user's understanding.

[0059] In the embodiment of the present invention, the account structure can be set according to actual needs. As an optional solution, the account structure is set as shown in Table 1:

[0060] Table 1 Account table

[0061]

[0062] Sub-account table

[0063]

[0064] Among them, the account table includes account ID, credit voucher number, receiving enterprise, transferring enterprise, original amount, transferred amount and available amount; the sub-account table includes ID, account ID (i.e. ID in the account table), credit voucher number, transferring enterprise, receiving enterprise, transferring enterprise ID (i.e. previous level ID), transfer amount and status.

[0065] It is worth noting that the account structure may also be other structures, which are not limited in the embodiment of the present invention.

[0066] In the embodiment of the present invention, step 202 specifically includes:

[0067] Step 2021: Obtain the account identification code and credit certificate number of the transferring enterprise.

[0068] In the embodiment of the present invention, the credit certificate includes a credit certificate number, a transfer amount, a transfer enterprise and a receiving enterprise.

[0069] In the embodiment of the present invention, the account identification code can uniquely identify a transfer enterprise, and the credit certificate number can uniquely identify a credit certificate. If the transfer enterprise is a core enterprise, the account identification code of the transfer enterprise is empty.

[0070] Step 2022: Generate a new account record based on the credit voucher number, transfer amount, transferor enterprise and recipient enterprise.

[0071] In the embodiment of the present invention, the newly added account record includes the original amount, the transferred amount and the available amount.

[0072] Specifically, the transfer amount is determined as the original amount, and the transferred amount is set to zero; the original amount is subtracted from the transferred amount to generate the available amount.

[0073] For example, if the core enterprise issues a credit certificate with a transfer amount of 1 million to the first-tier supplier A, the transfer amount is 1 million, the transferred amount is 0, and the available amount is 1 million; according to the credit certificate number, transfer amount, transferor enterprise and recipient enterprise, a new account record in the account table is generated. As shown in Table 2:

[0074] Table 2 Account table

[0075]

[0076] Among them, the ID of the newly added account record is 1, the credit voucher number is 001, the transferring enterprise is the core enterprise, the receiving enterprise is the first-tier supplier A, the original amount is 1 million, the transferred amount is 0, and the available amount is 1 million.

[0077] Step 2023: Generate a new transfer record based on the credit voucher number, transfer amount, transfer enterprise, receiving enterprise and account identification code of the transfer enterprise.

[0078] For example: the core enterprise issues a credit voucher with a transfer amount of 1 million to the first-tier supplier A. According to the credit voucher number, transfer amount, transfer enterprise, receiving enterprise and account identification code of the transfer enterprise, a new transfer record in the sub-account table is generated. As shown in Table 3:

[0079] Table 3 Sub-account table

[0080]

[0081] Among them, the ID of the newly added transfer record is 1, the account ID is 1, the credit certificate number is 001, the transferring enterprise is the core enterprise, the receiving enterprise is the first-tier supplier A, the transferring enterprise ID is empty (NULL), the transfer amount is 1 million, and the status is valid.

[0082] Furthermore, users can only view the account table but not the sub-account table, which can avoid misunderstanding of the transfer records in the sub-account table.

[0083] Step 203: Update the account table according to the newly added account record, and update the sub-account table according to the newly added transfer record.

[0084] In the embodiment of the present invention, step 203 specifically includes:

[0085] Step 2031: Write the newly added account record into the account table.

[0086] Step 2032: If the transferred enterprise is a non-core enterprise, the account records in the account table other than the newly added account records are updated according to the newly added account records.

[0087] Specifically, the transferred amount of account records other than the newly added account records is added to the transfer amount of the newly added account records to generate an updated transferred amount of account records other than the newly added account records; the transfer amount of the newly added account records is subtracted from the available amount of account records other than the newly added account records to generate an updated available amount of account records other than the newly added account records.

[0088] For example: The core enterprise issues a credit voucher with a transfer amount of 1 million to the first-tier supplier A. The first-tier supplier A transfers 400,000 of the 1 million to the second-tier supplier A-1. A new account record with ID 2 is added. The transferor of this record is the first-tier supplier A, which is a non-core enterprise. The transferred amount of the account record of the receiving enterprise, the first-tier supplier A, is modified to 400,000, and the available amount is modified to 600,000. The updated account table is shown in Table 4:

[0089] Table 4 Account table

[0090]

[0091] Step 2033: Write the newly added transfer record into the sub-account table.

[0092] Step 2034: If the transferring enterprise is a non-core enterprise, the transfer records in the sub-account table except for the newly added transfer record are updated according to the newly added transfer record.

[0093] In the embodiment of the present invention, the transfer record includes the transfer record status;

[0094] Specifically, the transfer record status of the transfer records whose receiving enterprises, except for the newly added transfer record, are the same as the transferring enterprise of the newly added transfer record is updated to invalid.

[0095] For example: the core enterprise issues a credit voucher with a transfer amount of 1 million to the first-tier supplier A, and the first-tier supplier A transfers 400,000 of the 1 million to the second-tier supplier A-1. Add a new transfer record with ID 2 and a new transfer record with ID 3, and change the status of the transfer record with ID 1 to invalid, that is, the first-tier supplier A splits the 1 million credit voucher into two, one for 600,000 transferred to the first-tier supplier A itself, and the other for 400,000 transferred to the second-tier supplier A-1, and changes the status of the transfer record with ID 1 to invalid. The updated sub-account table is shown in Table 5:

[0096] Table 5 Sub-account table

[0097]

[0098] In the embodiment of the present invention, setting up a sub-account table can provide a strong basis for staff to verify accounts, and each transfer record in the sub-account table is marked with a status, and the account ID can be uniformly matched with the account table ID, and the credit voucher number statistics greatly reduce the difficulty of account verification.

[0099] Step 204: Visually display the account table so that the user can view the multi-level flow of the credit certificate.

[0100] In the embodiment of the present invention, the account table is visualized, and the user can intuitively and conveniently view the multi-level flow process of the credit certificate through the account table. What you see is what you get, which reduces the user's learning cost.

[0101] In the technical solution of the credit voucher circulation method provided by the embodiment of the present invention, new account records and new transfer records are generated according to the credit vouchers issued by the transferring enterprise to the receiving enterprise; the account table set up according to the new account records is updated, and the sub-account table set up according to the new transfer records is updated, which can reduce the user's learning cost, facilitate user understanding, and reduce the difficulty of account verification.

[0102] Figure 5 A schematic diagram of the structure of a credit certificate circulation device provided by an embodiment of the present invention, the device is used to execute the above-mentioned credit certificate circulation method, such as Figure 5 As shown, the device includes: a generating unit 11 and an updating unit 12.

[0103] The generating unit 11 is used to generate a new account record and a new transfer record according to the credit certificate issued by the transferring enterprise to the receiving enterprise.

[0104] The updating unit 12 is used to update the account table according to the newly added account record, and to update the sub-account table according to the newly added transfer record.

[0105] In an embodiment of the present invention, the generation unit 11 is specifically used to obtain the account identification code and credit voucher number of the transferor enterprise; generate a new account record based on the credit voucher number, transfer amount, transferor enterprise and receiving enterprise; generate a new transfer record based on the credit voucher number, transfer amount, transferor enterprise, receiving enterprise and the account identification code of the transferor enterprise.

[0106] In the embodiment of the present invention, the generating unit 11 is further specifically configured to determine the transfer amount as the original amount, and set the transferred amount to zero; and subtract the transferred amount from the original amount to generate the available amount.

[0107] In an embodiment of the present invention, the update unit 12 is specifically used to write a newly added account record into the account table; if the transferring enterprise is a non-core enterprise, the account records in the account table other than the newly added account record are updated according to the newly added account record; the newly added transfer record is written into the sub-account table; if the transferring enterprise is a non-core enterprise, the transfer records in the sub-account table other than the newly added transfer record are updated according to the newly added transfer record.

[0108] In the embodiment of the present invention, the updating unit 12 is further specifically used to add the transferred amount of the account records other than the newly added account records to the transfer amount of the newly added account records to generate the updated transferred amount of the account records other than the newly added account records; and subtract the transfer amount of the newly added account records from the available amount of the account records other than the newly added account records to generate the updated available amount of the account records other than the newly added account records.

[0109] In the embodiment of the present invention, the updating unit 12 is further specifically configured to update the transfer record status of the transfer records other than the newly added transfer record whose receiving enterprise is the same as the transferring enterprise of the newly added transfer record to invalid.

[0110] In the embodiment of the present invention, the device further includes a display unit 13 .

[0111] The display unit 13 is used to visually display the account table so that the user can view the multi-level flow of the credit certificate.

[0112] In the scheme of the embodiment of the present invention, new account records and new transfer records are generated according to the credit certificate issued by the transferring enterprise to the receiving enterprise; the account table set up according to the new account record is updated, and the sub-account table set up according to the new transfer record is updated, which can reduce the user's learning cost, facilitate user understanding, and reduce the difficulty of account verification.

[0113] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer device, and specifically, the computer device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0114] An embodiment of the present invention provides a computer device, including a memory and a processor, the memory is used to store information including program instructions, the processor is used to control the execution of the program instructions, and when the program instructions are loaded and executed by the processor, the steps of the embodiment of the above-mentioned credit credential circulation method are implemented. For a specific description, please refer to the embodiment of the above-mentioned credit credential circulation method.

[0115] Reference below Figure 6 , which shows a schematic diagram of the structure of a computer device 600 suitable for implementing an embodiment of the present application.

[0116] like Figure 6 As shown, the computer device 600 includes a central processing unit (CPU) 601, which can perform various appropriate operations and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 to a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the computer device 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0117] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal feedback device (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 606 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed as needed as the storage section 608.

[0118] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer program product, which includes a computer program tangibly contained on a machine-readable medium, and the computer program includes program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 609, and / or installed from the removable medium 611.

[0119] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0120] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing the present application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0121] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0122] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0123] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0124] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0125] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0126] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0127] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0128] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A credit certificate circulation method, characterized in that: The method comprises: Generate new account records and new transfer records based on the credit certificate issued by the transferor to the recipient; An account table updated and set according to the newly added account record, and a sub-account table updated and set according to the newly added transfer record; The method further comprises: Setting an account structure, the account structure comprising an account table and a sub-account table, the account table indicating the circulation information of the credit certificate, and the sub-account table indicating each step of the transfer record of the credit certificate; The credit certificate includes the credit certificate number, the transfer amount, the transferor enterprise and the recipient enterprise; The generating of new account records and new transfer records based on the credit certificate issued by the transferor to the recipient includes: Obtain the account identification code and credit certificate number of the transferring enterprise; Generate a new account record based on the credit voucher number, transfer amount, transferor enterprise and recipient enterprise; Generate a new transfer record based on the credit voucher number, transfer amount, transfer enterprise, receiving enterprise and account identification code of the transfer enterprise; The newly added account record includes the original amount, the transferred amount and the available amount; The generating of a new account record according to the credit voucher number, the transfer amount, the transferor enterprise and the recipient enterprise includes: Determine the transfer amount as the original amount and set the transferred amount to zero; Subtract the transferred amount from the original amount to generate the available amount; The account table updated and set according to the newly added account record, and the sub-account table updated and set according to the newly added transfer record, include: Writing the newly added account record into the account table; If the transferred enterprise is a non-core enterprise, update the account records in the account table except for the newly added account record according to the newly added account record; Writing the newly added transfer record into the sub-account table; If the transferring enterprise is a non-core enterprise, the transfer records except the newly added transfer record in the sub-account table are updated according to the newly added transfer record; The sub-account table is not visible to the user.

2. The credit certificate circulation method according to claim 1, characterized in that: The updating of the account records in the account table except the newly added account record according to the newly added account record includes: Adding the transferred amount of the account records other than the newly added account record to the transferred amount of the newly added account record to generate an updated transferred amount of the account records other than the newly added account record; The transfer amount of the newly added account record is subtracted from the available amount of the account record other than the newly added account record to generate an updated available amount of the account record other than the newly added account record.

3. The credit certificate circulation method according to claim 1, characterized in that: The transfer record includes a transfer record status; The updating of the transfer records in the sub-account table except the newly added transfer record according to the newly added transfer record includes: The transfer record status of the transfer records whose receiving enterprises, except for the newly added transfer record, are the same as the transferring enterprise of the newly added transfer record is updated to invalid.

4. The credit certificate circulation method according to claim 1, characterized in that: After the account table is updated and set according to the account record, and the sub-account table is updated and set according to the transfer record, the method further includes: The account table is visually displayed so that the user can view the multi-level flow of the credit certificate.

5. A credit certificate circulation device, characterized in that: The device comprises: A generating unit, used for generating a new account record and a new transfer record according to the credit certificate issued by the transferor enterprise to the recipient enterprise; An updating unit, configured to update the account table set according to the newly added account record, and to update the sub-account table set according to the newly added transfer record; The device also includes: A setting unit, used to set an account structure, wherein the account structure includes an account table and a sub-account table, wherein the account table indicates the circulation information of the credit certificate, and the sub-account table indicates each transfer record of the credit certificate; The credit certificate includes the credit certificate number, the transfer amount, the transferor enterprise and the recipient enterprise; The generating unit is specifically used to obtain the account identification code and credit voucher number of the transferor enterprise; generate a new account record according to the credit voucher number, the transfer amount, the transferor enterprise and the receiving enterprise; generate a new transfer record according to the credit voucher number, the transfer amount, the transferor enterprise, the receiving enterprise and the account identification code of the transferor enterprise; The newly added account record includes the original amount, the transferred amount and the available amount; The generating unit is further specifically configured to determine the transfer amount as the original amount and set the transferred amount to zero; and to subtract the transferred amount from the original amount to generate the available amount; The updating unit is specifically configured to write the newly added account record into the account table; if the transfer enterprise is a non-core enterprise, update the account records in the account table except the newly added account record according to the newly added account record; write the newly added transfer record into the sub-account table; if the transfer enterprise is a non-core enterprise, update the transfer records in the sub-account table except the newly added transfer record according to the newly added transfer record; The sub-account table is not visible to the user.

6. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the credit certificate circulation method as described in any one of claims 1 to 4 is implemented.

7. A computer device comprising a memory and a processor, wherein the memory is used to store information including program instructions, and the processor is used to control the execution of the program instructions, characterized in that: When the program instructions are loaded and executed by the processor, the credit certificate circulation method described in any one of claims 1 to 4 is implemented.

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