disclosure of Invention
in view of this, the embodiments of the present application provide an offer processing method under a credit contract system. The application also relates to an offer processing device under the credit contract system, an electronic device and a computer readable storage medium, which are used for solving the technical defects in the prior art.
the application provides a method for processing issue of a credit contract system, which comprises the following steps:
generating an interface calling request based on the detected touch action;
Calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an appointment list number corresponding to an appointment list generated by an appointment maker after signing on a credit contract template of a target service;
acquiring a page access address of a signing page returned by calling the address storage interface, wherein the signing page comprises the issue list;
And analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to the user to be offered based on the image identification code.
Optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
when the situation that the user to be contracted scans the image identification code through the mobile equipment is detected, popping up the signing page on the mobile equipment interface of the user to be contracted;
and if the situation that the user to be contracted clicks the joining button of the signed page is detected, determining the execution result of the user to be contracted aiming at the invitation request as the confirmation joining.
optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
if the execution result is that the user is confirmed to join, judging whether the user to be contracted opens a personal credit system or not;
If the user to be contracted does not open the personal credit system, prompting the user to be contracted to open the personal credit system;
And if the user to be contracted opens the personal credit system, sending a prompt message of successful contract answering to the user to be contracted.
optionally, if the execution result is that joining is confirmed, and before the step of determining whether the user to be offered opens the personal credit system is executed, the method further includes:
judging whether the user to be contracted completes real-name authentication or not;
if the user to be contracted does not finish the real-name authentication, prompting the user to enter a real-name authentication process;
and if the user to be contracted has finished the real-name authentication, executing the step of judging whether the user to be contracted opens the personal credit system.
optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
Detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
if the execution result of the execution action is detected to be the confirmation of joining, generating a credit information acquisition instruction of the user to be contracted based on the execution result;
Acquiring credit information and an offer condition of the user to be offered according to the credit information acquisition instruction;
sending a prompt message of successful offer to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;
and sending prompt information of response failure to the user to be responded when the credit information of the user to be responded does not meet the response condition.
optionally, the credit information comprises credit point information and credit limit information;
Correspondingly, when the credit information of the user to be contracted meets the contracting condition, sending the prompt message of successful contracting to the user to be contracted comprises:
under the condition that the credit point information and the credit limit information of the user to be contracted both meet the contracting condition, sending a prompt message of successful contracting to the user to be contracted;
correspondingly, the sending of the prompt message of the offer failure to the user to be offered under the condition that the credit information of the user to be offered does not meet the offer condition includes:
And sending a prompt message of failure of the offer to the user to be offered under the condition that the credit point information and the credit line information of the user to be offered do not meet the offer condition.
Optionally, the method for processing issuance under the credit contract system further includes:
under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, sending a prompt message of successful offering to the user to be offered, and marking an additional limiting condition of successful offering of the user to be offered in the prompt message;
And/or
And under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, recommending other offerings for the user to be offered, wherein the credit information of the user to be offered meets the offering condition of other offerings.
optionally, after the step of popping up the subscription page on the mobile terminal interface of the user to be contracted is executed, the method further includes:
detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
If the execution result of the execution action is detected to be the confirmation of joining, acquiring the current position information of the user to be contracted and the geographical position information of the contracting party;
judging whether the distance between the user to be contracted and the contracting party is smaller than or equal to a preset distance threshold value or not;
If yes, sending a prompt message of successful offer to the user to be offered;
if not, sending a prompt message of response failure to the user to be responded.
optionally, the generating an interface call request based on the detected touch action includes:
Generating an interface calling request based on a touch action detected by the embedded equipment of the sponsor, wherein the touch action comprises a touch action of a virtual key acting on a touch interactive interface of the embedded equipment and a touch action of a physical key acting on the embedded equipment.
the application also provides an offer processing device under the credit contract system, which comprises:
A request generation module configured to generate an interface call request based on the detected touch action;
the interface calling module is configured to call an address storage interface based on the interface calling request, and calling parameters in the interface calling request comprise an order number corresponding to an order generated by an issuing party after the issuing party signs a contract based on a credit contract template of a target service;
the address acquisition module is configured to acquire a page access address of a signed page called and returned by the address storage interface, wherein the signed page comprises the issue list;
and the request sending module is configured to analyze the page access address to generate an image identification code corresponding to the signing page and initiate an offer request to the user to be offered based on the image identification code.
Optionally, the offer processing device under the credit contract system further includes:
running a page popping device under the condition that the user to be contracted is detected to scan the image identification code through mobile equipment;
the page popup device is configured to popup the contract signing page on a mobile device interface of the user to be contracted;
If the user to be contracted clicks the joining button of the contracted page, operating an execution result determining module;
the execution result determining module is configured to determine an execution result of the offer request by the offer pending user as a confirmation join.
optionally, the offer processing device under the credit contract system further includes:
the first execution action detection module is configured to detect an execution action acted on the signing page by the user to be contracted, and determine an execution result according to the execution action;
If the execution result is that the joining is confirmed, a first judgment module is operated;
The first judging module is configured to judge whether the user to be contracted opens a personal credit system;
If the operation result of the first judgment module is that the user to be contracted does not open the personal credit system, operating a first prompt module;
the first prompting module is configured to prompt the user to be contracted to open a personal credit system;
if the operation result of the first judgment module is that the user to be contracted has opened the personal credit system, a first prompt message sending module is operated;
the first prompt message sending module is configured to send prompt messages of successful approving to the user to be approved.
Optionally, the offer processing device under the credit contract system further includes:
If the execution result is that the joining is confirmed, a second judgment module is operated;
the second judging module is configured to judge whether the user to be contracted completes real-name authentication;
If the operation result of the second judgment module is that the user to be contracted does not complete the real-name authentication, a second prompt module is operated;
the second prompting module is configured to prompt the user to be contracted to enter a real-name authentication process;
And if the operation result of the second judgment module is that the user to be contracted has finished the real-name authentication, operating the first judgment module.
Optionally, the offer processing device under the credit contract system further includes:
The second execution action detection module is configured to detect an execution action acted on the signing page by the user to be contracted, and determine an execution result according to the execution action;
if the execution result is the confirmation addition, the instruction generation module is operated;
the instruction generating module is configured to generate a credit information acquisition instruction of the user to be contracted based on the execution result;
The information acquisition module is configured to acquire the credit information and the offer condition of the user to be offered according to the credit information acquisition instruction;
The second prompt information sending module is configured to send prompt information that the offer is successful to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;
the third prompt information sending module is configured to send prompt information of response failure to the user to be provisioned when the credit information of the user to be provisioned does not meet the response condition.
optionally, the request generating module is further configured to:
generating an interface calling request based on a touch action detected by the embedded equipment of the sponsor, wherein the touch action comprises a touch action of a virtual key acting on a touch interactive interface of the embedded equipment and/or a touch action of a physical key acting on the embedded equipment.
the present application further provides an electronic device, including:
A memory and a processor;
The memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:
generating an interface calling request based on the detected touch action;
Calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an appointment list number corresponding to an appointment list generated by an appointment maker after signing on a credit contract template of a target service;
acquiring a page access address of a signing page returned by calling the address storage interface, wherein the signing page comprises the issue list;
and analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to the user to be offered based on the image identification code.
the present application also provides a computer readable storage medium storing computer instructions that, when executed by a processor, implement the steps of the method of issue processing under the credit contract architecture.
Compared with the prior art, the method has the following advantages:
the application provides a method for processing issue of a credit contract system, which comprises the following steps: generating an interface calling request based on the detected touch action; calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an appointment list number corresponding to an appointment list generated by an appointment maker after signing on a credit contract template of a target service; acquiring a page access address of a signing page returned by calling the address storage interface, wherein the signing page comprises the issue list; and analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to the user to be offered based on the image identification code.
according to the method for processing the issue under the credit contract system, an interface calling request is generated based on the touch action of a user to be issued, an issue list number is used as an interface calling parameter calling address storage interface, an image identification code corresponding to a signed page is generated by analyzing a page access address in a received interface calling result, the image identification code is displayed to the user to be issued to respond to the touch action of the user to be issued, the image identification code corresponds to the signed page, and the signed page contains the issue list, so that the restriction on the condition of the user to be issued can be realized through the image identification code, and the risk that the user to be issued does not perform according to regulations after being issued is reduced.
in specific implementation, an embedded device also exists in the equipment of the offeror, and the offering user sends an offering request to the offeror through a touch action acting on the embedded device. The user to be contracted sends the contracted application to the sender by clicking a virtual key of the touch interactive interface of the embedded equipment or clicking a physical key of the embedded equipment. And the issuing party generates an interface calling request based on the touch action detected by the embedded equipment and carries out interface calling.
Specifically, for example, if the user wants to borrow a book, the user may send a book borrowing request to the library by clicking a virtual key "credit book borrowing" on the touch interactive interface of the embedded device. The library generates an interface calling request based on the touch action detected by the embedded device.
And 104, calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an order number corresponding to an order generated by an order sender after signing on the basis of a credit contract template of the target service.
before the embedded equipment detects the touch action of the user to be contracted, the contracting party sends a contracting application to the service system in advance, carries out signature on a contract template returned by the service system to generate a contracting order, and stores the contracting order and a corresponding contracting order number. After the embedded device detects a touch action of a user to be contracted, the contracting party generates an interface calling request based on the touch action, sends the interface calling request to a service platform and receives an interface calling result, and specifically, the service platform can be a long connection platform.
The page access address of the contract page is stored in the address storage interface of the service platform, and the contract page comprises an issue order generated after the issue party signs based on the contract template, so that the issue party can take the issue order number corresponding to the issue order as an interface calling parameter to carry out interface calling.
still taking a credit book borrowing project as an example, before an embedded device of a library detects a touch action of a user to be contracted, the library sends a contract issuing application to a service system in advance, a service related to the contract issuing application is a book borrowing service, a contract template returned by the service system is signed to generate a contract issuing order, and the contract issuing order and a corresponding contract issuing order number are stored.
the contract signing page is a page which is displayed on the mobile terminal interface of the user to be contracted by the library and is used for the user to be contracted. The contract order is contained in the contract page, and the contract order can be viewed by the user to be contracted on the contract page to select whether the contract should be contracted or not, on the assumption that the contract order contains the contents of 'returning books within 30 days and accumulating credit points'. Because the page access address of the contract page is stored in the address storage interface of the service platform, and the contract page comprises the issue sheet generated after the issue party signs based on the contract template, the issue party can take the issue sheet number corresponding to the issue sheet as an interface calling parameter to carry out interface calling.
after the embedded device detects that a user to be contracted sends a book borrowing application to a library by clicking a touch action of a virtual key 'credit book borrowing', the library determines that the contract service of the user to be contracted is a book borrowing service by the touch action of the user to be contracted, acquires an appointment making number corresponding to the appointment making number related to the book borrowing service, generates an interface calling request, uses the appointment making number as an interface calling parameter, generates an interface calling request based on the touch action, sends the interface calling request to a service platform, and receives an interface calling result.
and 106, acquiring a page access address of the signing page returned by the address storage interface after being called, wherein the signing page comprises the issue list.
specifically, a page access address of a contract page is stored in an address storage interface of the service platform, and the contract page includes an issue sheet generated after the issue party signs based on a contract template, so that the issue party can use an issue sheet number corresponding to the issue sheet as an interface calling parameter to perform interface calling.
For example, after the embedded device detects a touch action of a user to be contracted, the library generates an interface calling request based on the touch action and sends the interface calling request to the service platform, wherein interface calling parameters carried in the calling request include a contracting order number. After receiving the address storage interface calling request, the service platform calls an interface according to the calling parameters carried in the request, and returns an interface calling result, that is, returns a page access address of a signing page in the address storage interface, wherein in actual application, the page access address can be a Uniform Resource Locator (URL).
and 108, analyzing the page access address to generate an image identification code corresponding to the signing page, and initiating an offer request to the user to be offered based on the image identification code.
And the appointment party receives the page access address of the signing page returned by the calling of the address storage interface, and if the page access address is a URL (uniform resource locator) address, the appointment party analyzes the URL address by using an analyzer after receiving the URL address to generate the image identification code corresponding to the signing page.
specifically, the image identification code comprises a two-dimensional code, a bar code or other identifiable codes.
in one embodiment provided by the application, after an invitation request is initiated to a user to be invited based on the image identification code, the execution action of the user on the image identification code is continuously detected; if the fact that the user to be contracted scans the image identification code through the mobile equipment is detected, popping up the signing page on a mobile equipment interface of the user to be contracted under the condition that the code scanning of the user to be contracted is successful; and when the situation that the user to be contracted clicks a joining button of the contract signing page is detected, determining an execution result of the user to be contracted for aiming at the invitation request as confirmation joining. Specifically, a schematic diagram of an interface for a user to scan a code through a mobile device is shown in fig. 2.
In addition, if the user to be signed does not scan the code or does not confirm the joining after scanning the code, the user to be signed does not need to be processed.
for example, assuming that the image identification code is a two-dimensional code, a user to be contracted sends a book borrowing application to a library by clicking a touch action of a virtual key 'credit book borrowing' of a touch interactive interface of the embedded device, the library generates an interface calling request based on the touch action, sends the interface calling request to the service platform, receives a returned URL (uniform resource locator) address, and analyzes the URL address by using an analyzer to generate a two-dimensional code corresponding to a contracted page; if the user to be contracted scans the two-dimensional code through the mobile terminal, after the code scanning is successful, a contracted page is displayed on a mobile terminal interface of the user to be contracted, the contracted page comprises a contract issuing order of a library, and the contract issuing order is supposed to contain contents of 'returning to books within 30 days and accumulating credit points', namely, the contract issuing order is equivalent to a credit agreement. If the user views the offer form and approves the contents in the offer form, the virtual key 'i want to join' of the contract page can be clicked to join the credit contract. Specifically, the contract page is shown in fig. 3.
in one embodiment provided by the present application, after the step of initiating an offer request to a user to be offered based on the image identification code is executed, the method further includes:
Detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
if the execution result is that the user is confirmed to join, judging whether the user to be contracted opens a personal credit system or not;
if the user to be contracted does not open the personal credit system, prompting the user to be contracted to open the personal credit system;
And if the user to be contracted opens the personal credit system, sending a prompt message of successful contract answering to the user to be contracted.
Specifically, following the above example, if the user views the issue ticket and confirms the content in the issue ticket, and clicks the virtual key "i want to join" of the contracted page, the execution result may be determined as confirmation of joining; whether the user to be contracted opens a personal credit system can be continuously judged; the precondition that the user to be waited for appointment wants to successfully join the credit agreement is that a personal credit system is opened, if the user to be waited for appointment is not opened, the credit agreement is failed to join, namely, the book borrowing is failed, and the system can send prompt information for opening the personal credit system to the user to be waited for appointment; if the credit agreement is opened, the credit agreement is successfully added, namely the book borrowing is successful. The interface for the book borrowing failure is shown in fig. 4, and the user is prompted to temporarily disable the book borrowing through the interface shown in fig. 4.
In addition, if the execution result is that the user is confirmed to join, before judging whether the user to be contracted opens the personal credit system, whether the user to be contracted completes the real-name authentication needs to be judged; if the user to be contracted does not finish the real-name authentication, prompting the user to enter a real-name authentication process; and if the user to be contracted has finished the real-name authentication, judging whether the user to be contracted opens a personal credit system.
the purpose of real-name authentication is to ensure that the identity information of the user to be provisioned is matched with the true identity card. Only if the user carries out real-name authentication, the identity of the user can be ensured to be credible. In addition, after the user opens the personal credit system, if the borrowed books are returned within the appointed time, credit points can be added to the borrowed books, and if the borrowed books are not returned on time, the credit points are deducted.
in one embodiment provided by the present application, after the step of initiating an offer request to a user to be offered based on the image identification code is executed, the method further includes:
detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
if the execution result of the execution action is detected to be the confirmation of joining, generating a credit information acquisition instruction of the user to be contracted based on the execution result;
Acquiring credit information and an offer condition of the user to be offered according to the credit information acquisition instruction;
Sending a prompt message of successful offer to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;
And sending prompt information of response failure to the user to be responded when the credit information of the user to be responded does not meet the response condition.
Along the above example, if the user views the issue list, confirms the content in the issue list, and clicks the virtual key "i want to join" of the contracted page, the execution result may be determined as confirmation of joining, and a credit information acquisition instruction of the user to be contracted is generated based on the execution result.
The method comprises the steps that an offer list of a library comprises offer conditions of a user waiting for an offer, and under the condition that the user waiting for the offer confirms to join, the credit information of the user is obtained and whether the credit information meets the offer conditions or not is judged.
specifically, the credit information may include credit point information and credit limit information;
correspondingly, under the condition that the credit information of the user to be contracted meets the contracting condition, sending a prompt message of successful contracting to the user to be contracted, namely under the condition that the credit point information and the credit line information of the user to be contracted both meet the contracting condition, sending the prompt message of successful contracting to the user to be contracted.
the acquired credit information of the user A to be offered includes: the credit score is 700 points, the credit limit is 1000 yuan, if the offer condition in the offer list is that the credit score of the user to be offered should be more than 600 points and the credit limit should be more than 800 yuan, the user A to be offered is judged to meet the offer condition, and the prompt message of successful offer can be sent to the user A to be offered.
In addition, under the condition that the credit point information and the credit line information of the user to be contracted do not meet the contracting condition, prompt information of contracting failure is sent to the user to be contracted.
If the credit information of the user B to be contracted is 500 credits and the credit line is 700 yuan, if the condition of the contract in the contract-issuing list is that the credit of the user to be contracted should be more than 600 credits and the credit line should be more than 800 yuan, the user B to be contracted is judged not to meet the contract condition, and the prompt message of the contract failure can be sent to the user B to be contracted.
in addition, under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, sending a prompt message of successful offering to the user to be offered, and marking an additional limiting condition that the user to be offered succeeds in offering in the prompt message;
And/or
and under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, recommending other offerings for the user to be offered, wherein the credit information of the user to be offered meets the offering condition of other offerings.
Specifically, assuming that the credit information of the user C to be contracted is 700 credits and the credit line is 1000 yuan, for example, if the condition of the library a in the issue order is that the credit of the user to be contracted should be more than 600 credits and the credit line should be more than 1500 yuan, one of the credit information and the credit line information of the user C to be contracted does not satisfy the book borrowing condition of the library a. In this case, library a may allow the offer user to borrow a book, but may indicate additional restrictions that the offer user can successfully borrow a book, such as: the book information and book returning period which can be borrowed are reduced from 30 days to 20 days, and the like; or library a may recommend other libraries meeting the book borrowing condition for user C according to the credit information of user C waiting for appointment, for example: the book borrowing condition set by the library B is 500 credit points, and the credit limit is 800 yuan, so that the library B can be recommended to the user to be contracted.
Due to the limitation of capital or places, the book resources of different libraries are different, or the book keeping quantity of different libraries is different, namely, the quantity of the same kind of books in one library is small, the quantity of the same kind of books in the other library is large, one library is not in demand, and the other library is in demand.
In an embodiment provided by the present application, after the step of popping up the subscription page on the mobile terminal interface of the user to be contracted is executed, the method further includes:
detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
If the execution result of the execution action is detected to be the confirmation of joining, acquiring the current position information of the user to be contracted and the geographical position information of the contracting party;
Judging whether the distance between the user to be contracted and the contracting party is smaller than or equal to a preset distance threshold value or not;
if yes, sending a prompt message of successful offer to the user to be offered;
if not, sending a prompt message of response failure to the user to be responded.
Specifically, still taking the credit book borrowing project as an example, if the user views the issue sheet and confirms the content in the issue sheet, and clicks the virtual key "i want to join" of the contracted page, the execution result may be determined as confirmation of joining; and acquiring the current position information of the user to be contracted and the geographical position information of the library.
when a user to be contracted sends a contract application to a contract sender by clicking a virtual key of a touch interactive interface of embedded equipment or clicking a physical key of the embedded equipment, a server acquires geographical position information of the embedded equipment as geographical position information of a library; after a user waiting for appointment scans a code through mobile equipment, detecting the position information of the mobile equipment as the current position information of the user waiting for appointment, and if the mobile equipment of the user is started for positioning, directly acquiring the position information of the mobile equipment by a server; if the mobile equipment of the user does not start positioning, the server sends a request for starting a positioning function to the mobile equipment, and under the condition that the positioning function of the mobile equipment is started, the server can acquire the position information of the mobile equipment as the current position information of the user.
The method comprises the steps of obtaining current position information of a user to be contracted and geographical position information of a library, calculating the distance between the user to be contracted and the library, if the distance between the user to be contracted and the library is larger than a preset distance threshold value, contracting the user to be contracted, if the distance between the user to be contracted and the library is smaller than or equal to the preset distance threshold value, contracting the user to be contracted successfully, and sending prompt information of contracting the user to be contracted.
along the above example, the current position information of the user to be contracted and the geographical position information of the library are longitude and latitude information, the position information of the library acquired by the server and the position information of the user to be contracted are assumed to be (36.780287,105.1374349) and (36.780287,105.1374349), respectively, and the preset distance threshold is 20 m; and calculating according to a distance formula to obtain that the distance between the user to be contracted and the library is 0m and is smaller than a preset distance threshold value of 20m, and sending a prompt message of book borrowing success to the user to be contracted by the server.
In the embodiments of the present application, the credit book borrowing project is taken as an example for description, and the specific implementation of the credit public welfare project is similar to the specific implementation of the credit book borrowing project, and the detailed implementation of the credit book borrowing project is referred to, and is not described herein again.
in an embodiment provided by the application, when the user to be contracted actively sends a contracting request to the contracting party, the contracting party determines whether the user to be contracted meets the contracting condition set by the contracting party according to credit information, geographical location information and other related information of the user, and the contracting can be successfully contracted only when the user to be contracted meets the contracting condition, so that the risk that the user not perform as specified after being contracted can be effectively reduced.
The method for processing issuance under the credit contract system according to an embodiment of the present specification is described with reference to the credit loan item as an example, and includes steps 502 to 522 as shown in fig. 5.
Step 502, generating an interface calling request based on the touch action detected by the library embedded device.
Specifically, the user to be contracted sends a book borrowing request by clicking a virtual key 'credit book borrowing' of a touch interactive interface of the embedded device of the library, and the library generates an interface calling request based on a touch action detected by the embedded device.
step 504, based on the interface call request, calling an address storage interface.
specifically, in a library project, the target service may be a book borrowing service, and the call parameter in the interface call request includes an issue sheet number corresponding to an issue sheet generated after the library signs a contract based on a credit contract template of the book borrowing service.
Step 506, obtaining the uniform resource locator of the signed page returned by the address storage interface being called.
specifically, the contract signing page includes the issue order.
Step 508, analyzing the uniform resource locator to generate a two-dimension code corresponding to the signing page and initiating an offer request to the user to be offered based on the two-dimension code.
step 510, when it is detected that the two-dimensional code is scanned by the user to be contracted through a mobile device, popping up the signing page on a mobile device interface of the user to be contracted.
And 512, detecting an execution action of the user to be contracted on the signing page, and determining an execution result according to the execution action.
Step 514, determining whether the execution result is a confirmation addition, if yes, executing step 516; if not, the processing is not required.
and 516, generating a credit information acquisition instruction of the user to be contracted based on the execution result.
specifically, the server acquires the credit information of the user to be contracted and book borrowing conditions set by the library according to the credit information acquisition instruction.
Step 518, judging whether the credit point information and the credit line information of the user to be offered meet the book borrowing condition; if yes, go to step 520; if not, go to step 522.
and step 520, sending a prompt message of book borrowing success to the user waiting for appointment.
and 522, sending a prompt message of book borrowing failure to the user to be contracted.
In addition, under the condition that either one of credit point information or credit line information of the user to be offered does not meet the book borrowing condition, sending prompt information of book borrowing success to the user to be offered, and marking additional limiting conditions that the user to be offered can borrow the book successfully;
and/or
and under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the book borrowing condition, recommending other libraries meeting the book borrowing condition for the user to be offered.
In one embodiment provided by the application, credit contract service is provided for a book borrowing scene between a user to be contracted and a library, and the user to be contracted can borrow books without a deposit and a book borrowing card. In addition, due to the limitation of capital or places, the book resources of different libraries are different, or the book keeping quantity of different libraries is different, namely, the number of the same kind of books in one library is small, the number of the same kind of books in the other library is large, so that one part of the library is not in demand, and the other part of the library is in greater demand, therefore, other libraries meeting the book borrowing condition are recommended for the user to be contracted, and the waste of the book resources can be effectively reduced. Judging whether the credit information of the user to be contracted meets a preset contracting condition or not; if the credit portrait of the borrower meets the preset credit condition, the electronic borrowing contract aiming at the borrower is generated, and if the credit portrait of the borrower meets the preset credit condition, the electronic borrowing contract generated aiming at the borrower is validated, so that the user to be contracted and the library are organically combined through a credit system, a credit contract service is provided for a borrowing scene between the user to be contracted and the library, and the risk that the contracting party performs contracting according to no rule is reduced.
the embodiment of the offer processing device under the credit contract system provided by the application is as follows:
In the above embodiment, a method for processing an offer under a credit contract system is provided, and in response, an apparatus for processing an offer under a credit contract system is also provided, which is described below with reference to the accompanying drawings.
Referring to fig. 6, a schematic diagram of an embodiment of an offer processing apparatus under a credit contract system provided in the present application is shown.
since the apparatus embodiments are substantially similar to the method embodiments, the description is relatively simple, and the relevant portions may be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.
The application provides an offer processing device under a credit contract system, which comprises:
A request generation module 602 configured to generate an interface call request based on the detected touch action;
the interface calling module 604 is configured to call an address storage interface based on the interface calling request, and calling parameters in the interface calling request include an issue order number corresponding to an issue order generated by an issuing party after signing a contract based on a credit contract template of a target service;
an address obtaining module 606, configured to obtain a page access address of a signed page returned by the address storage interface being called, where the signed page includes the issue ticket;
and the request sending module 608 is configured to parse the page access address to generate an image identification code corresponding to the sign page, and initiate an offer request to the user to be offered based on the image identification code.
Optionally, the offer processing device under the credit contract system further includes:
running a page popping device under the condition that the user to be contracted is detected to scan the image identification code through mobile equipment;
The page popup device is configured to popup the contract signing page on a mobile device interface of the user to be contracted;
if the user to be contracted clicks the joining button of the contracted page, operating an execution result determining module;
the execution result determining module is configured to determine an execution result of the offer request by the offer pending user as a confirmation join.
optionally, the offer processing device under the credit contract system further includes:
the first execution action detection module is configured to detect an execution action acted on the signing page by the user to be contracted, and determine an execution result according to the execution action;
If the execution result is that the joining is confirmed, a first judgment module is operated;
the first judging module is configured to judge whether the user to be contracted opens a personal credit system;
If the operation result of the first judgment module is that the user to be contracted does not open the personal credit system, operating a first prompt module;
The first prompting module is configured to prompt the user to be contracted to open a personal credit system;
If the operation result of the first judgment module is that the user to be contracted has opened the personal credit system, a first prompt message sending module is operated;
The first prompt message sending module is configured to send prompt messages of successful approving to the user to be approved.
Optionally, the offer processing device under the credit contract system further includes:
if the execution result is that the joining is confirmed, a second judgment module is operated;
the second judging module is configured to judge whether the user to be contracted completes real-name authentication;
If the operation result of the second judgment module is that the user to be contracted does not complete the real-name authentication, a second prompt module is operated;
the second prompting module is configured to prompt the user to be contracted to enter a real-name authentication process;
and if the operation result of the second judgment module is that the user to be contracted has finished the real-name authentication, operating the first judgment module.
Optionally, the offer processing device under the credit contract system further includes:
the second execution action detection module is configured to detect an execution action acted on the signing page by the user to be contracted, and determine an execution result according to the execution action;
if the execution result is the confirmation addition, the instruction generation module is operated;
the instruction generating module is configured to generate a credit information acquisition instruction of the user to be contracted based on the execution result;
the information acquisition module is configured to acquire the credit information and the offer condition of the user to be offered according to the credit information acquisition instruction;
The second prompt information sending module is configured to send prompt information that the offer is successful to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;
the third prompt information sending module is configured to send prompt information of response failure to the user to be provisioned when the credit information of the user to be provisioned does not meet the response condition.
optionally, the credit information comprises credit point information and credit limit information;
correspondingly, the second prompt message sending module is further configured to send a prompt message that the offer is successful to the user to be offered under the condition that the credit point information and the credit line information of the user to be offered both meet the offer condition;
the third prompt information sending module is further configured to send prompt information of response failure to the user to be responded under the condition that the credit point information and the credit line information of the user to be responded do not meet the response condition.
Optionally, the offer processing device under the credit contract system further includes:
the information processing module is configured to send prompt information that the offer is successful to the user to be offered under the condition that either the credit point information or the credit line information of the user to be offered does not meet the offer condition, and mark additional limit conditions that the offer of the user to be offered is successful in the prompt information;
and/or
and the recommending module is configured to recommend other offerings for the offering user under the condition that either the credit point information or the credit line information of the offering user does not meet the offering condition, wherein the credit information of the offering user meets the offering condition of the other offerings.
optionally, the offer processing device under the credit contract system further includes:
the third execution action detection module is configured to detect an execution action acted on the signing page by the user to be contracted, and determine an execution result according to the execution action;
if the operation result of the third execution action detection module is that the execution result of the execution action is detected to be the confirmation addition, the position information acquisition module is operated;
the position information acquisition module is configured to acquire the current position information of the user to be contracted and the geographical position information of the contracting party;
The third judging module is configured to judge whether the distance between the user to be contracted and the contracting party is smaller than or equal to a preset distance threshold value or not;
If the operation result of the third judgment module is that the offline position information of the user to be contracted is consistent with the geographical position information of the contracting party, a fourth prompt information sending module is operated;
the fourth prompt information sending module is configured to send prompt information that the offer is successful to the user to be offered;
If the operation result of the third judgment module is that the offline position information of the user to be contracted is inconsistent with the geographic position information of the contracting party, operating a fifth prompt message sending module;
the fifth prompt information sending module is configured to send prompt information of response failure to the user to be responded.
optionally, the request generating module is further configured to generate an interface call request based on a touch action detected by the embedded device of the sponsor, where the touch action includes a touch action of a virtual key acting on a touch interactive interface of the embedded device and/or a touch action of a physical key acting on the embedded device.
in an embodiment provided by the application, when the user to be contracted actively sends a contracting request to the contracting party, the contracting party determines whether the user to be contracted meets the contracting condition set by the contracting party according to credit information, geographical location information and other related information of the user, and the contracting can be successfully contracted only when the user to be contracted meets the contracting condition, so that the risk that the user not perform as specified after being contracted can be effectively reduced.
The embodiment of the electronic equipment provided by the application is as follows:
fig. 7 shows a block diagram of an electronic device 700 according to an embodiment of the present description. The components of the electronic device 700 include, but are not limited to, a memory 710 and a processor 720. Processor 720 is coupled to memory 710 via bus 730, and database 750 is used to store data.
the electronic device 700 also includes an access device 740, the access device 740 enabling the electronic device 700 to communicate via one or more networks 760. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 740 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.
In one embodiment of the present description, the above-mentioned components of the electronic device 700 and other components not shown in fig. 7 may also be connected to each other, for example, through a bus. It should be understood that the block diagram of the electronic device shown in fig. 7 is for exemplary purposes only and is not intended to limit the scope of the present disclosure. Those skilled in the art may add or replace other components as desired.
The electronic device 700 may be any type of stationary or mobile electronic device, including a mobile computer or mobile electronic device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), a mobile phone (e.g., smartphone), a wearable electronic device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary electronic device such as a desktop computer or PC. The electronic device 700 may also be a mobile or stationary server.
Wherein processor 720 is configured to execute the following computer-executable instructions:
Generating an interface calling request based on the detected touch action;
calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an appointment list number corresponding to an appointment list generated by an appointment maker after signing on a credit contract template of a target service;
Acquiring a page access address of a signing page returned by calling the address storage interface, wherein the signing page comprises the issue list;
And analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to the user to be offered based on the image identification code.
optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
When the situation that the user to be contracted scans the image identification code through the mobile equipment is detected, popping up the signing page on the mobile equipment interface of the user to be contracted;
and if the situation that the user to be contracted clicks the joining button of the signed page is detected, determining the execution result of the user to be contracted aiming at the invitation request as the confirmation joining.
optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
Detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
If the execution result is that the user is confirmed to join, judging whether the user to be contracted opens a personal credit system or not;
if the user to be contracted does not open the personal credit system, prompting the user to be contracted to open the personal credit system;
and if the user to be contracted opens the personal credit system, sending a prompt message of successful contract answering to the user to be contracted.
Optionally, if the execution result is that joining is confirmed, and before the step of determining whether the user to be offered opens the personal credit system is executed, the method further includes:
Judging whether the user to be contracted completes real-name authentication or not;
if the user to be contracted does not finish the real-name authentication, prompting the user to enter a real-name authentication process;
And if the user to be contracted has finished the real-name authentication, executing the step of judging whether the user to be contracted opens the personal credit system.
Optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
If the execution result of the execution action is detected to be the confirmation of joining, generating a credit information acquisition instruction of the user to be contracted based on the execution result;
Acquiring credit information and an offer condition of the user to be offered according to the credit information acquisition instruction;
sending a prompt message of successful offer to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;
And sending prompt information of response failure to the user to be responded when the credit information of the user to be responded does not meet the response condition.
optionally, the credit information comprises credit point information and credit limit information;
correspondingly, when the credit information of the user to be contracted meets the contracting condition, sending the prompt message of successful contracting to the user to be contracted comprises:
under the condition that the credit point information and the credit limit information of the user to be contracted both meet the contracting condition, sending a prompt message of successful contracting to the user to be contracted;
Correspondingly, the sending of the prompt message of the offer failure to the user to be offered under the condition that the credit information of the user to be offered does not meet the offer condition includes:
And sending a prompt message of failure of the offer to the user to be offered under the condition that the credit point information and the credit line information of the user to be offered do not meet the offer condition.
optionally, the method for processing issuance under the credit contract system further includes:
Under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, sending a prompt message of successful offering to the user to be offered, and marking an additional limiting condition of successful offering of the user to be offered in the prompt message;
And/or
and under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, recommending other offerings for the user to be offered, wherein the credit information of the user to be offered meets the offering condition of other offerings.
optionally, after the step of popping up the subscription page on the mobile terminal interface of the user to be contracted is executed, the method further includes:
Detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
if the execution result of the execution action is detected to be the confirmation of joining, acquiring the current position information of the user to be contracted and the geographical position information of the contracting party;
judging whether the distance between the user to be contracted and the contracting party is smaller than or equal to a preset distance threshold value or not;
If yes, sending a prompt message of successful offer to the user to be offered;
if not, sending a prompt message of response failure to the user to be responded.
Optionally, the generating an interface call request based on the detected touch action includes:
generating an interface calling request based on a touch action detected by the embedded equipment of the sponsor, wherein the touch action comprises a touch action of a virtual key acting on a touch interactive interface of the embedded equipment and a touch action of a physical key acting on the embedded equipment.
The above is a schematic scheme of an electronic device of the present embodiment. It should be noted that the technical solution of the electronic device and the technical solution of the offer processing method under the credit contract system belong to the same concept, and details of the technical solution of the electronic device, which are not described in detail, can be referred to the description of the technical solution of the offer processing method under the credit contract system.
the embodiment of a computer-readable storage medium provided by the application is as follows:
an embodiment of the present application further provides a computer readable storage medium storing computer instructions that, when executed by a processor, are configured to:
generating an interface calling request based on the detected touch action;
Calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an appointment list number corresponding to an appointment list generated by an appointment maker after signing on a credit contract template of a target service;
acquiring a page access address of a signing page returned by calling the address storage interface, wherein the signing page comprises the issue list;
and analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to the user to be offered based on the image identification code.
optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
when the situation that the user to be contracted scans the image identification code through the mobile equipment is detected, popping up the signing page on the mobile equipment interface of the user to be contracted;
And if the situation that the user to be contracted clicks the joining button of the signed page is detected, determining the execution result of the user to be contracted aiming at the invitation request as the confirmation joining.
optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
Detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
if the execution result is that the user is confirmed to join, judging whether the user to be contracted opens a personal credit system or not;
if the user to be contracted does not open the personal credit system, prompting the user to be contracted to open the personal credit system;
And if the user to be contracted opens the personal credit system, sending a prompt message of successful contract answering to the user to be contracted.
optionally, if the execution result is that joining is confirmed, and before the step of determining whether the user to be offered opens the personal credit system is executed, the method further includes:
judging whether the user to be contracted completes real-name authentication or not;
if the user to be contracted does not finish the real-name authentication, prompting the user to enter a real-name authentication process;
And if the user to be contracted has finished the real-name authentication, executing the step of judging whether the user to be contracted opens the personal credit system.
optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:
detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
If the execution result of the execution action is detected to be the confirmation of joining, generating a credit information acquisition instruction of the user to be contracted based on the execution result;
Acquiring credit information and an offer condition of the user to be offered according to the credit information acquisition instruction;
sending a prompt message of successful offer to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;
and sending prompt information of response failure to the user to be responded when the credit information of the user to be responded does not meet the response condition.
Optionally, the credit information comprises credit point information and credit limit information;
correspondingly, when the credit information of the user to be contracted meets the contracting condition, sending the prompt message of successful contracting to the user to be contracted comprises:
Under the condition that the credit point information and the credit limit information of the user to be contracted both meet the contracting condition, sending a prompt message of successful contracting to the user to be contracted;
Correspondingly, the sending of the prompt message of the offer failure to the user to be offered under the condition that the credit information of the user to be offered does not meet the offer condition includes:
and sending a prompt message of failure of the offer to the user to be offered under the condition that the credit point information and the credit line information of the user to be offered do not meet the offer condition.
Optionally, the method for processing issuance under the credit contract system further includes:
under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, sending a prompt message of successful offering to the user to be offered, and marking an additional limiting condition of successful offering of the user to be offered in the prompt message;
and/or
and under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, recommending other offerings for the user to be offered, wherein the credit information of the user to be offered meets the offering condition of other offerings.
Optionally, after the step of popping up the subscription page on the mobile terminal interface of the user to be contracted is executed, the method further includes:
detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;
if the execution result of the execution action is detected to be the confirmation of joining, acquiring the current position information of the user to be contracted and the geographical position information of the contracting party;
Judging whether the distance between the user to be contracted and the contracting party is smaller than or equal to a preset distance threshold value or not;
if yes, sending a prompt message of successful offer to the user to be offered;
If not, sending a prompt message of response failure to the user to be responded.
Optionally, the generating an interface call request based on the detected touch action includes:
Generating an interface calling request based on a touch action detected by the embedded equipment of the sponsor, wherein the touch action comprises a touch action of a virtual key acting on a touch interactive interface of the embedded equipment and a touch action of a physical key acting on the embedded equipment.
the above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium is the same as the technical solution of the issue processing method under the credit contract system, and details of the technical solution of the storage medium, which are not described in detail, can be referred to the description of the technical solution of the issue processing method under the credit contract system.
the foregoing description of specific embodiments of the present application has been presented. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
the computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
It should be noted that, for the sake of simplicity, the above-mentioned method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present application is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.
in the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
The preferred embodiments of the present application disclosed above are intended only to aid in the explanation of the application. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the application and the practical application, to thereby enable others skilled in the art to best understand and utilize the application. The application is limited only by the claims and their full scope and equivalents.