CN109377208A - A kind of wisdom chemical industrial park credit payment based on block chain and circulation method - Google Patents
A kind of wisdom chemical industrial park credit payment based on block chain and circulation method Download PDFInfo
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- CN109377208A CN109377208A CN201811243810.4A CN201811243810A CN109377208A CN 109377208 A CN109377208 A CN 109377208A CN 201811243810 A CN201811243810 A CN 201811243810A CN 109377208 A CN109377208 A CN 109377208A
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- G06Q20/24—Credit schemes, i.e. "pay after"
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Abstract
The invention discloses a kind of wisdom chemical industrial park credit payment based on block chain and circulation method, this method by application, distribution, credit, sign and issue, discount apply, discount successfully confirm, refund, the accrediting amount return come realize wisdom chemical industrial park credit payment and circulate；Core enterprise is based on financial institution's credit, and pays logistics freight charges with the informal voucher on block catenary system.The present invention by the data of block chain can not tamper and cross validation algorithm ensure the authenticity of trade business, so that each order business is transparent visible, meet financial institution and air control requirement is carried out according to true order data, and the reversed factoring of order financing and freight charges can be implemented, improve the circulation efficiency of fund.
Description
Technical field
The present invention relates to field of communication technology, in particular to a kind of wisdom chemical industrial park credit payment based on block chain with
Circulation method.
Background technique
With the development of communication technology, block chain due to it is open, transparent, can not distort the advantages that and be gradually applied to count
According in the application scenarios of processing.Block chain is considered as distributed unified account book, codetermines book keeping operation content by all participants,
Each participant preserves full dose data, and any participant can not distort data.
Core enterprise loan fund flow efficiency and method of payment on, traditional approach be under the premise of secured,
Credit is given by financial institution, then is made loans by financial institution to core enterprise, and efficiency is very low and opaque.Or pass through centralization
Platform collects data, has authenticity hidden danger, can not meet financial institution's air control requirement very well.
Summary of the invention
The object of the present invention is to provide a kind of wisdom chemical industrial park credit payments based on block chain and circulation method, pass through
The data of block chain can not tamper and cross validation algorithm ensure the authenticity of trade business so that each order business is saturating
It is bright as it can be seen that meet financial institution according to true order data carry out air control requirement, and can implement order financing and freight charges it is anti-
To factoring, the circulation efficiency of fund is improved.
To achieve the above object, the present invention provides following schemes:
A kind of wisdom chemical industrial park credit payment based on block chain and circulation method, the wisdom chemical industrial park credit branch
Pay circulation method by application, distribution, credit, sign and issue, discount application, discount successfully confirm, refund, the accrediting amount return come
Realize wisdom chemical industrial park credit payment and circulation；Core enterprise is based on financial institution's credit, and with white on block catenary system
Item pays logistics freight charges, and wisdom chemical industrial park credit payment is specifically included with circulation method:
Step 101: application；
Mail is voluntarily sent into the block catenary system by the financial institution；
Step 102: distribution；
It is that the financial institution issues the first informal voucher, and remembers by the block chain integral distribution interface of the block catenary system
Record the name identification of first informal voucher；It is the core enterprise by the block chain integral distribution interface of the block catenary system
The second informal voucher is issued, and records the name identification of second informal voucher；
Step 103: credit；
The first informal voucher to credit is selected by the first operation system of the financial institution, and to the first informal voucher of selection
On fill in credit information, then click credit button, carry out credit operation to the first informal voucher after credit information is filled in, had
The first informal voucher for thering is credit to identify；
Step 104: signing and issuing；
The second informal voucher to be signed and issued is selected by the second operation system of the core enterprise, and to the second informal voucher of selection
It fills in and signs and issues information, then click and sign and issue button, carry out signing and issuing operation to the second informal voucher after signing and issuing information is filled in, be had
Sign and issue the second informal voucher of mark；
Step 105: discount application；
Corresponding upstream and downstream supplier of the core enterprise passes through second operation system and obtains core enterprise's label
Hair has the second informal voucher for signing and issuing mark, then applies discounting by the block catenary system to the financial institution, described
Block catenary system by what the upstream and downstream supplier to be discounted there is the second informal voucher for signing and issuing mark to be transferred to the financial institution
In；
Step 106: discounting and successfully confirm；
First operation system of the financial institution obtains discount application information from the block catenary system, and described
Discounted in first operation system and successfully confirmed, then will discount successfully confirmation message cochain into the block catenary system；
Step 107: refunding；
Fund corresponding to discount Successful Transaction and the financial institution are closed by the core enterprise, then will refund true
Information cochain is recognized into the block catenary system；
Step 108: the accrediting amount is returned；
The refund confirmation message is checked by the block catenary system by the financial institution, and is confirmed according to the refund
The accrediting amount of first informal voucher is returned to the core enterprise by information.
Optionally, the name identification of the name identification of first informal voucher and second informal voucher is from the block chain
It is directly acquired in system.
Optionally, the credit information includes credit time, the credit amount of money and the description to the credit amount of money；It is described
Signing and issuing information includes signing and issuing the time, the financial institution signed and issued, signing and issuing amount and to the description for signing and issuing the amount of money.
Optionally, first informal voucher of each credit has a unique credit mark, and credit mark and
The credit information filled in is all in write-in first database；The first database is located in first operation system；
Second informal voucher each signed and issued can have one uniquely to sign and issue mark, the institute signing and issuing mark and filling in
It states and signs and issues information all the second databases of write-in；Second database is located in second operation system.
Optionally, after clicking the credit button, the first transaction is created on the block catenary system；Described the first stroke
It is described that transaction indicates that the financial institution is all transferred to the accrediting amount for the first informal voucher with credit mark issued
Core enterprise；
After signing and issuing button described in click, the second transaction is created on the block catenary system；The second transaction table
Show the core enterprise have sign and issue mark the second informal voucher sign and issue amount be transferred to the core enterprise it is corresponding up and down
Swim supplier.
Optionally, when the data downloaded from the block catenary system, the ID number of first transaction is written to institute
It states in first database, and is associated with the name identification of first informal voucher；
When the data downloaded from the block catenary system, the ID number of second transaction is written to second number
It is associated according to library, and with the name identification of second informal voucher.
Optionally, when step 104 is signed and issued, need to detect it is described sign and issue the time whether within the credit time, it is described
Amount is signed and issued whether in the credit amount of money.
Optionally, the core enterprise shows the discount of all upstream and downstream suppliers by second operation system
Situation determines discount successfully transaction.
The specific embodiment provided according to the present invention, the invention discloses following technical effects:
The present invention provides a kind of wisdom chemical industrial park credit payment based on block chain and circulation method, this method passes through
Application distribution, credit, signs and issues, discounts application, discounts successfully confirmation, refund, accrediting amount return to realize wisdom chemical industrial park
Credit payment and circulation；Core enterprise is based on financial institution's credit, and pays logistics freight charges, tool with the informal voucher on block catenary system
Body includes: step 101: application；Mail is voluntarily sent into the block catenary system by the financial institution；Step 102: hair
Row；It is that the financial institution issues the first informal voucher, and records institute by the block chain integral distribution interface of the block catenary system
State the name identification of the first informal voucher；Block chain integral distribution interface by the block catenary system is core enterprise distribution
Second informal voucher, and record the name identification of second informal voucher；Step 103: credit；Pass through the first business of the financial institution
Systematic selection waits for the first informal voucher of credit, and to credit information is filled on the first informal voucher of selection, then clicks credit button, right
The first informal voucher after filling in credit information carries out credit operation, obtains the first informal voucher that there is credit to identify；Step 104: signing and issuing；
The second informal voucher to be signed and issued is selected by the second operation system of the core enterprise, and the second informal voucher of selection is filled in and is signed and issued
Then information is clicked and signs and issues button, carries out signing and issuing operation to the second informal voucher after signing and issuing information is filled in, obtain having and sign and issue mark
The second informal voucher；Step 105: discount application；Corresponding upstream and downstream supplier of the core enterprise passes through second business system
What the system acquisition core enterprise signed and issued has the second informal voucher for signing and issuing mark, then passes through the block catenary system to the gold
Melt mechanism application discount, the block catenary system has the second informal voucher for signing and issuing mark for what the upstream and downstream supplier to be discounted
It is transferred in the financial institution；Step 106: discounting and successfully confirm；First operation system of the financial institution is from the area
Discount application information is obtained in block catenary system, and is discounted in first operation system and successfully confirmed, it then will discount
Success confirmation message cochain is into the block catenary system；Step 107: refunding；The core enterprise is discount Successful Transaction institute
Corresponding fund is closed with the financial institution, then by refund confirmation message cochain into the block catenary system；Step
108: the accrediting amount is returned；The refund confirmation message is checked by the block catenary system by the financial institution, and according to institute
It states refund confirmation message and the accrediting amount of first informal voucher is returned into the core enterprise.The present invention passes through the number of block chain
According to can not tamper and cross validation algorithm ensure the authenticity of trade business so that each order business is transparent as it can be seen that full
Sufficient financial institution carries out air control requirement according to true order data, and can implement the reversed factoring of order financing and freight charges, mentions
The high circulation efficiency of fund.
Detailed description of the invention
It in order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, below will be to institute in embodiment
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without creative efforts, can also obtain according to these attached drawings
Obtain other attached drawings.
Fig. 1 is the process signal of wisdom chemical industrial park credit payment of the embodiment of the present invention based on block chain and the method that circulates
Figure；
Fig. 2 is the embodiment of the present invention based on the wisdom chemical industrial park credit payment of block chain and the detail flowchart of circulation.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The object of the present invention is to provide a kind of wisdom chemical industrial park credit payments based on block chain and circulation method, pass through
The data of block chain can not tamper and cross validation algorithm ensure the authenticity of trade business so that each order business is saturating
It is bright as it can be seen that meet financial institution according to true order data carry out air control requirement, and can implement order financing and freight charges it is anti-
To factoring, the circulation efficiency of fund is improved.
In order to make the foregoing objectives, features and advantages of the present invention clearer and more comprehensible, with reference to the accompanying drawing and specific real
Applying mode, the present invention is described in further detail.
Enterprise is based on financial institution's credit, pays logistics freight charges with the informal voucher on block catenary system.The main needle of credit circulation
Logistics scene involved in lock ring section is adopted in cargo to enterprise.In logistics scene, enterprise needs to pay third party and transports public affairs
Freight charges are taken charge of, usually there are 3 months account phases.Transport project is created first in ERP (Enterprise Resources Plan) system of enterprise, it should
The foundation that transport project is created as TMS (transportation management system) waybill, all links involved in transportational process are managed by TMS
Reason, and by real time data synchronization to ERP and block catenary system.Block catenary system stores simultaneously data all in process
Support the whole network common recognition of informal voucher business module.
Fig. 1 is the process signal of wisdom chemical industrial park credit payment of the embodiment of the present invention based on block chain and the method that circulates
Figure, as shown in Figure 1, the embodiment of the invention provides wisdom chemical industrial park credit payment based on block chain and circulation method.
This method by application, distribution, credit, sign and issue, discount application, discount successfully confirm, refund, the accrediting amount returns and realizes intelligence
Intelligent chemical industrial park credit payment and circulation；Core enterprise is based on financial institution's credit, and is paid with the informal voucher on block catenary system
Logistics freight charges, specifically include:
Step 101: application；
Mail is voluntarily sent into the block catenary system by the financial institution, does not need technology intervention.
Step 102: distribution；
It is that the financial institution issues the first informal voucher, and remembers by the block chain integral distribution interface of the block catenary system
Record the name identification of first informal voucher；It is the core enterprise by the block chain integral distribution interface of the block catenary system
The second informal voucher is issued, and records the name identification of second informal voucher.
Wherein, the name identification of the name identification of first informal voucher and second informal voucher is from the block linkwork
(by the RPC interface) directly acquired on system.The ID number of the name identification of first informal voucher namely the first informal voucher, similarly, second
The ID number of the name identification of informal voucher namely the second informal voucher.
Step 103: credit；
The first informal voucher to credit is selected by the first operation system of the financial institution, and to the first informal voucher of selection
On fill in credit information, then click credit button, carry out credit operation to the first informal voucher after credit information is filled in, had
The first informal voucher for thering is credit to identify.
Wherein, the credit information includes credit time, the credit amount of money and to description of the credit amount of money etc..
First informal voucher of each credit has a unique credit mark, and the credit information that credit is identified and filled in is whole
It is written in first database (these all occur in first operation system)；First database is located at the first operation system
In.
The first transaction will be created on block catenary system after clicking credit button, which indicates the financial machine
The accrediting amount for the first informal voucher with credit mark issued all is transferred to core by structure (the wallet address of financial institution)
Heart enterprise (the wallet address of core enterprise), all data filled in can also upload together as the ancillary data of the first transaction
Onto block catenary system.
When the data downloaded from block catenary system, the ID number comprising the first transaction is also written to the first data
Library, and be associated with the name identification of first informal voucher recorded in step 102.
First operation system is when showing credit list, if the ID number comprising the first transaction, illustrates the first stroke
Credit of trading is successful (financial institution end), and core enterprise end only has successful credit record, and (data of credit record can only be come
Just illustrate that credit is successful from being present on block catenary system in block catenary system).
Step 104: signing and issuing；
The second informal voucher to be signed and issued is selected by the second operation system of the core enterprise, and to the second informal voucher of selection
It fills in and signs and issues information, then click and sign and issue button, carry out signing and issuing operation to the second informal voucher after signing and issuing information is filled in, be had
Sign and issue the second informal voucher of mark.
Wherein, signing and issuing information includes signing and issuing the time, the financial institution signed and issued, signing and issuing amount and retouch to the amount of money is signed and issued
It states, in addition, being detected when signing and issuing, signs and issues the time whether within the credit time, whether the amount signed and issued is in the credit amount of money
It is interior.
The second informal voucher each signed and issued can have one uniquely to sign and issue mark (be similar to credit identify), sign and issue mark with
That fills in signs and issues information the second database will all be written (these all occur in the second operation system).Second data warehouse compartment
In the second operation system.
Click just creates the second transaction after signing and issuing button on block catenary system, which indicates core enterprise's (core
The wallet address of heart enterprise) have sign and issue mark the second informal voucher sign and issue amount be transferred to the core enterprise it is corresponding on
Downstream supplier (the wallet address of enterprise), all data filled in can also upload to together as the ancillary data of the second transaction
On block catenary system.
When the data downloaded from block catenary system, the ID number comprising the second transaction is also written to the second data
Library, and be associated with the name identification of second informal voucher recorded in step 102.
Second operation system is when list is signed and issued in displaying, if the explanation of the ID number comprising the second transaction signs and issues success
(core enterprise end), corresponding upstream and downstream supplier of the core enterprise only have successfully that signing and issuing record (signs and issues the number of record
According to only can from block catenary system, be present on block catenary system with regard to explanation sign and issue successfully).
Step 105: discount application；
Corresponding upstream and downstream supplier of the core enterprise passes through second operation system and obtains core enterprise's label
Hair has the second informal voucher for signing and issuing mark, then applies discounting by the block catenary system to the financial institution, described
Block catenary system by what the upstream and downstream supplier to be discounted there is the second informal voucher for signing and issuing mark to be transferred to the financial institution
In.
Each to have the second informal voucher for signing and issuing mark corresponding be the second transaction on block catenary system, so in skill
On art is realized, it is only necessary to have corresponding second transaction of the second informal voucher for signing and issuing mark as input using each, then tool
There is the amount of money of signing and issuing for the second informal voucher for signing and issuing mark to be all transferred to financial institution, obtains third transaction output.
It when discount application is also required to that the data of corresponding data model are written, these data can be with third transaction
It is stored on block chain.
Step 106: discounting and successfully confirm；
First operation system of the financial institution obtains discount application information from the block catenary system, and described
Discounted in first operation system and successfully confirmed, then will discount successfully confirmation message cochain into the block catenary system.
Specifically: the second transaction that financial institution is transferred in step 105 indicates that discount is applied, the first of financial institution
Operation system can obtain discount application information from block catenary system, and financial institution can be discounted in the first operation system
Successful confirmation, financial institution can be used as to discount toward block catenary system one data of write-in after confirming successfully successfully deposits card, that is, pastes
Ready-made function confirmation message.
Step 107: refunding；
Fund corresponding to discount Successful Transaction and the financial institution are closed by the core enterprise, then will refund true
Information cochain is recognized into the block catenary system.；
Second operation system of specially core enterprise can show the discount situation of all upstream and downstream suppliers, and root
Discount successful confirmation message according to what financial institution in step 106 was written and determine with whether signing and issuing the second informal voucher of mark
It discounts successfully.
When refund, for discounting successful second informal voucher, core enterprise is also the corresponding money of successful second informal voucher of discount
Item is closed with financial institution, then core enterprise one data of block chain write-in can indicate that this discount successful second was white in the past
What item had been refunded deposits card information.
Step 108: the accrediting amount is returned；
The refund confirmation message is checked by the block catenary system by the financial institution, and is confirmed according to the refund
The accrediting amount of first informal voucher is returned to the core enterprise by information.
Specially financial institution sees that the corresponding accrediting amount can be returned to core by the refund confirmation message of step 107
Heart enterprise realizes that the input of the 4th transaction is all to have refunded by creating the 4th transaction on block catenary system
Second informal voucher.
The embodiment of the invention provides based on the wisdom chemical industrial park credit payment of block chain and the detailed process of circulation
See Fig. 2.
Characteristic can not be distorted the present invention is based on data on block chain to be innovated, and can not be distorted by block chain on each node
The cross validation of data proves the authenticity of trade business, and joint financial institution, core enterprise carry out the letter of true trade background
It is circulated with Zhi Fuyu, using block chain building Alliance Network, by commodity-circulate, information flow, logistics data cochain, allows each order
Business it is transparent as it can be seen that meet financial institution according to true order data carry out air control requirement, and can implement order financing and
The reversed factoring of freight charges improves the circulation efficiency of fund.
In addition, financial institution, which is based on the progress risk control of this trust data, meets demand for loan, the trust data is subsequent can
It is supported with providing air control for more financial institutions.
To sum up, garden by trade true on block chain to be carried on the back based on wisdom chemical industrial park credit payment and circulation method
Scape data increase letter, more preferable to support Corporate finance demand for loan in industrial park supply chain financial eco-environment, more preferably promote garden from microcosmic point
The business development of company and its supply chain ecology enterprise (obtaining financing loan to support) in area, from macroscopically in effective prevention finance
More preferable power-assisted real economy development, has great promotional value under the premise of risk.
Used herein a specific example illustrates the principle and implementation of the invention, and above embodiments are said
It is bright to be merely used to help understand method and its core concept of the invention；At the same time, for those skilled in the art, foundation
Thought of the invention, there will be changes in the specific implementation manner and application range.In conclusion the content of the present specification is not
It is interpreted as limitation of the present invention.
Claims (8)
1. a kind of wisdom chemical industrial park credit payment based on block chain and circulation method, which is characterized in that the wisdom chemical industry
Garden credit payment and circulation method pass through application, distribution, credit, sign and issue, discount application, discount successfully confirmation, refund, credit
Amount returns to realize wisdom chemical industrial park credit payment and circulation；Core enterprise is based on financial institution's credit, and with block chain
Informal voucher in system pays logistics freight charges, and wisdom chemical industrial park credit payment is specifically included with circulation method:
Step 101: application；
Mail is voluntarily sent into the block catenary system by the financial institution；
Step 102: distribution；
It is that the financial institution issues the first informal voucher, and records institute by the block chain integral distribution interface of the block catenary system
State the name identification of the first informal voucher；Block chain integral distribution interface by the block catenary system is core enterprise distribution
Second informal voucher, and record the name identification of second informal voucher；
Step 103: credit；
The first informal voucher to credit is selected by the first operation system of the financial institution, and to filling out on the first informal voucher of selection
Credit information is write, credit button is then clicked, carries out credit operation to the first informal voucher after credit information is filled in, obtains having and award
The first informal voucher that beacon is known；
Step 104: signing and issuing；
The second informal voucher to be signed and issued is selected by the second operation system of the core enterprise, and the second informal voucher of selection is filled in
Information is signed and issued, then clicks and signs and issues button, carry out signing and issuing operation to the second informal voucher after signing and issuing information is filled in, obtains having and sign and issue
Second informal voucher of mark；
Step 105: discount application；
Corresponding upstream and downstream supplier of the core enterprise obtains what the core enterprise signed and issued by second operation system
With the second informal voucher for signing and issuing mark, then apply discounting by the block catenary system to the financial institution, the block
Catenary system by what the upstream and downstream supplier to be discounted there is the second informal voucher for signing and issuing mark to be transferred in the financial institution；
Step 106: discounting and successfully confirm；
First operation system of the financial institution obtains discount application information from the block catenary system, and described first
Discounted in operation system and successfully confirmed, then will discount successfully confirmation message cochain into the block catenary system；
Step 107: refunding；
Fund corresponding to discount Successful Transaction and the financial institution are closed by the core enterprise, and then will refund confirmation letter
Cochain is ceased into the block catenary system；
Step 108: the accrediting amount is returned；
The refund confirmation message is checked by the block catenary system by the financial institution, and according to the refund confirmation message
The accrediting amount of first informal voucher is returned into the core enterprise.
2. wisdom chemical industrial park according to claim 1 credit payment and circulation method, which is characterized in that described first is white
The name identification of the name identification of item and second informal voucher is directly acquired from the block catenary system.
3. wisdom chemical industrial park according to claim 1 credit payment and circulation method, which is characterized in that the credit letter
Breath includes credit time, the credit amount of money and the description to the credit amount of money；The information of signing and issuing includes signing and issuing the time, signing and issuing
Financial institution, sign and issue amount and to the description for signing and issuing the amount of money.
4. wisdom chemical industrial park according to claim 1 credit payment and circulation method, which is characterized in that each credit
First informal voucher has a unique credit mark, and credit mark and the credit information filled in all are written
In first database；The first database is located in first operation system；
Second informal voucher each signed and issued can have one uniquely to sign and issue mark, the label signing and issuing mark and filling in
The second database is all written in photos and sending messages；Second database is located in second operation system.
5. wisdom chemical industrial park according to claim 1 credit payment and circulation method, which is characterized in that awarded described in click
After believing button, the first transaction is created on the block catenary system；The first stroke transaction indicates the financial institution institute
The accrediting amount of the first informal voucher with credit mark of distribution is all transferred to the core enterprise；
After signing and issuing button described in click, the second transaction is created on the block catenary system；Second transaction indicates institute
It states core enterprise and the amount of signing and issuing with the second informal voucher for signing and issuing mark is transferred to the corresponding upstream and downstream confession of the core enterprise
Answer quotient.
6. wisdom chemical industrial park according to claim 4 credit payment and circulation method, which is characterized in that from the block
When the data downloaded on catenary system, the ID number of first transaction is written in the first database, and with described
The name identification of one informal voucher is associated；
When the data downloaded from the block catenary system, the ID number of second transaction is written to second data
Library, and be associated with the name identification of second informal voucher.
7. wisdom chemical industrial park according to claim 3 credit payment and circulation method, which is characterized in that in step 104
When signing and issuing, need to detect it is described sign and issue the time whether within the credit time, whether the amount of signing and issuing in the credit gold
In volume.
8. wisdom chemical industrial park according to claim 1 credit payment and circulation method, which is characterized in that the core enterprise
Industry shows the discount situation of all upstream and downstream suppliers by second operation system, determines discount successfully transaction.
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| CN110580651A (en) * | 2019-09-19 | 2019-12-17 | 宋海军 | Channel financial borrowing and lending method based on block chain |
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| CN111754202A (en) * | 2020-06-29 | 2020-10-09 | 深圳前海微众银行股份有限公司 | Bill direct sticking method, device, equipment and computer readable storage medium |
| WO2020259308A1 (en) * | 2019-06-28 | 2020-12-30 | 深圳前海微众银行股份有限公司 | Method and device for employing blockchain system to turn over asset |
| CN112258176A (en) * | 2020-11-03 | 2021-01-22 | 天津理工大学 | Block chain-based credit payment transfer method and system |
| CN112862475A (en) * | 2021-02-05 | 2021-05-28 | 湖南大学 | Block chain-based order financing method and system, equipment and storage medium |
| WO2022094760A1 (en) * | 2020-11-03 | 2022-05-12 | 天津理工大学 | Blockchain-based credit payment and transfer method and system |
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