Network type credit and debt handling method

The invention provides a network type credit and debt handling method. The method includes the follow steps in sequence: a creditor and a debtor input data through a remote device and complete registration; a service processing terminal receives the terminal and generates a three-dimensional array for storage; the creditor or the debtor input creditor rights information through the remote device and a bill picture are taken through a camera device at the same time; image division is performed on the picture according to the sizes of all the bills corresponding to the creditor rights after matching data inquiry and a plurality of sub pictures; sub picture recognition is performed and matching and comparison are performed; a new four-dimensional array is formed through correlation and a confirmation is sent; then the creditor or the debtor is invited for confirmation; the invited creditor or the debtor implements the confirmation; a network type closed credit and debt chain is formed. The system structure is si