CN110570162A - credit-based relationship establishing method and device - Google Patents
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Abstract
The method comprises the steps of receiving a participation request submitted by a contracting party for participating in a credit project; verifying the contracting party based on the participation request so as to ensure the authenticity and the legality of the contracting party; in the event that the verification is successful, determining the credit contract template from the credit terms and a credit value of a credit account of the offeror; sending the credit contract template to the contracting party, and establishing a credit-based relationship with the contracting party after receiving a signature of the contracting party on the credit contract template; after the relationship is established, the contracting party does not need to repeatedly sign when signing with the credit contract template, so that the working efficiency is greatly improved, the enthusiasm of the contracting party for improving the credit value of the contracting party can be improved, and the credit contract template with higher authority can be obtained based on the credit value in the method.
Description
Technical Field
the present disclosure relates to the field of internet technologies, and in particular, to a method and an apparatus for establishing a relationship based on a credit, a computing device, and a computer-readable storage medium.
Background
With the rapid development of the internet, a plurality of informationalized leading enterprises are more and more prone to adopting a mode of signing electronic contracts to quickly lock customers, reduce cost and improve competitiveness. However, modern people have increasingly faster pace of life, and especially in some service places with larger people flow, if different users need to configure different electronic contracts and implement a signing mode of signing one by one, the workload is quite large, and the implementation efficiency of the whole program needs to be improved to ensure the in-place service.
Disclosure of Invention
in view of the above, embodiments of the present disclosure provide a method and an apparatus for establishing a relationship based on a credit, a computing device, and a computer-readable storage medium, so as to solve technical defects in the prior art.
According to a first aspect of embodiments of the present specification, there is provided a method for establishing a relationship based on a credit, including:
Receiving a participation request submitted by a contracting party for participating in a credit project;
authenticating the offeror based on the participation request;
in the event that the verification is successful, determining the credit contract template from the credit terms and a credit value of a credit account of the offeror;
And sending the credit contract template to the offeror, and establishing a relation based on credit with the offeror after receiving the signature of the offeror on the credit contract template.
optionally, the verifying the offeror based on the participation request includes:
Acquiring identity information of the offeror based on the participation request;
and verifying the issuer based on the identity information.
optionally, the verifying the offeror based on the participation request includes:
obtaining a credit value of a credit account of the offeror based on the participation request;
Verifying the offeror based on the credit value.
Optionally, the verifying the offeror based on the participation request includes:
Acquiring historical fulfillment information of the offeror based on the participation request;
Verifying the offeror based on the historical fulfillment information.
Optionally, the determining the credit contract template according to the credit terms and the credit value of the credit account of the offeror comprises:
Determining an initial credit contract template based on the type of credit item;
determining a credit privilege of the offeror based on a credit value of a credit account of the offeror;
and adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
Optionally, after receiving the signature of the contracting party on the credit contract template, establishing a relationship with the contracting party based on credit includes:
Receiving a signature of the contracting party against the credit contract template;
determining the number of the contracting parties, and establishing a credit-based relationship with the contracting parties under the condition that the number of the contracting parties is consistent with the number of the received signatures.
optionally, in the case that the verification is successful, the determining the credit contract template according to the credit item and the credit value of the credit account of the offeror includes:
And if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that all the offeror successfully verify.
Optionally, in the case that the verification is successful, the determining the credit contract template according to the credit item and the credit value of the credit account of the offeror includes:
and if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that at least one offeror is successfully verified.
optionally, before determining the initial credit contract template based on the type of the credit item, the method further includes:
An initial credit contract template is pre-established based on the type of the credit item.
optionally, the determining the credit authority of the offeror based on the credit value of the offeror's credit account includes:
ranking credit values of the offeror's credit account;
determining the credit rights of the offeror based on a level of credit value of the offeror's credit account.
In a second aspect, an embodiment of the present specification provides a credit-based relationship establishing apparatus, including:
a receiving module configured to receive a participation request submitted by a offeror to participate in a credit item;
A verification module configured to verify the offeror based on the participation request;
a determination module configured to determine the credit contract template from the credit terms and a credit value of a credit account of the offeror in case the verification is successful;
and the relation establishment module is configured to send the credit contract template to the offerer, and establish a relation based on credit with the offerer after receiving the signature of the offerer on the credit contract template.
optionally, the verification module is further configured to:
acquiring identity information of the offeror based on the participation request;
And verifying the issuer based on the identity information.
Optionally, the verification module is further configured to:
Obtaining a credit value of a credit account of the offeror based on the participation request;
Verifying the offeror based on the credit value.
optionally, the verification module is further configured to:
acquiring historical fulfillment information of the offeror based on the participation request;
Verifying the offeror based on the historical fulfillment information
Optionally, the determining module is further configured to:
Determining an initial credit contract template based on the type of credit item;
Determining a credit privilege of the offeror based on a credit value of a credit account of the offeror;
And adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
Optionally, the relationship establishing module is further configured to:
Receiving a signature of the contracting party against the credit contract template;
determining the number of the contracting parties, and establishing a credit-based relationship with the contracting parties under the condition that the number of the contracting parties is consistent with the number of the received signatures.
optionally, the determining module is further configured to:
And if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that all the offeror successfully verify.
Optionally, the determining module is further configured to:
and if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that at least one offeror is successfully verified.
Optionally, the apparatus further comprises:
an establishing module configured to pre-establish an initial credit contract template based on the type of credit item.
Optionally, the determining module is further configured to:
ranking credit values of the offeror's credit account;
Determining the credit rights of the offeror based on a level of credit value of the offeror's credit account.
in a third aspect, an embodiment of the present specification provides a computing 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:
receiving a participation request submitted by a contracting party for participating in a credit project;
authenticating the offeror based on the participation request;
in the event that the verification is successful, determining the credit contract template from the credit terms and a credit value of a credit account of the offeror;
And sending the credit contract template to the offeror, and establishing a relation based on credit with the offeror after receiving the signature of the offeror on the credit contract template.
According to a fourth aspect of embodiments herein, there is provided a computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the credit-based relationship establishing method.
the relation establishment method based on the credit comprises the steps of receiving a participation request submitted by a contracting party for participating in a credit project; verifying the contracting party based on the participation request so as to ensure the authenticity and the legality of the contracting party; under the condition that the verification is successful, determining the credit contract template according to the credit item and the credit value of the credit account of the offerer so as to meet the personalized requirement of the offerer, and realizing more flexibly; sending the credit contract template to the contracting party, and establishing a credit-based relationship with the contracting party after receiving a signature of the contracting party on the credit contract template; after the relationship is established, the contracting party does not need to repeatedly sign when signing with the credit contract template, so that the time and the labor are saved, the working efficiency is greatly improved, the enthusiasm of the contracting party for improving the credit value of the contracting party can be greatly improved, and the credit contract template with higher authority can be obtained based on the credit value in the method.
Drawings
FIG. 1 is a flowchart of a method for establishing a credit-based relationship according to an embodiment of the present disclosure;
Fig. 2 is a flowchart of a method for establishing a credit-based relationship in a library book borrowing scene according to an embodiment of the present specification;
fig. 3 is a flowchart of a method for establishing a credit-based relationship applied in a public welfare project scenario of a seed tree according to an embodiment of the present disclosure;
Fig. 4 is a schematic structural diagram of a credit-based relationship establishing apparatus provided in an embodiment of the present specification;
Fig. 5 is a schematic structural diagram of a computing device provided in an embodiment of the present specification.
Detailed Description
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. This application is capable of implementation in many different ways than those herein set forth and of similar import by those skilled in the art without departing from the spirit of this application and is therefore not limited to the specific implementations disclosed below.
The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.
First, the noun terms to which one or more embodiments of the present invention relate are explained.
and (3) credit contract: the credit contract is established after the participants sign the contract, the credit contract is signed by the first participant and then forms an issue order, and then the credit contract is formed after the first participant signs the contract, wherein the signed first participant is called an issue party, and the signed second participant is called a response party. For example, a participant-to-participant two-borrowed object may agree on the name of the object to be borrowed, the return time, and the credit penalty for one party after default or the credit award to both participants after performance.
credit item: based on items participating in credit, such as library book borrowing items, a book borrowing user can participate in the credit item if the credit value of the book borrowing user meets the demand of the library book borrowing for the credit value.
in the present application, a method and an apparatus for establishing a relationship based on credit, a computing device and a computer readable storage medium are provided, which are described in detail in the following embodiments one by one.
With the continuous development of the internet technology, the convenience and richness of life can be greatly improved by applying the internet technology to life. Based on the development of the internet technology, the internet of things technology is widely applied to daily life, and electronic contracts are produced in response to transportation, in the prior art, the electronic contracts are only restricted by professional moral and personal literacy of parties of two parties, if one party is damaged, the other party is greatly lost, and under the background, a credit platform is adopted to produce the technology that the parties of two parties are restricted based on credit.
referring to fig. 1, fig. 1 shows a flowchart of a credit-based relationship establishment method according to an embodiment of the present specification, including steps 102 to 108.
Step 102: a participation request submitted by the offeror to participate in the credit project is received.
in one or more embodiments of the present disclosure, the credit items include, but are not limited to, library borrowing items, public welfare activity items, or user borrowing items.
when the credit item is a library book borrowing item, the offeror can be a library, and the offeror can be a book borrowing user; when the credit item is a public welfare activity item, the contracting party can be a public welfare item initiator, and the contracting party can be a participant participating in the public welfare activity item; when the credit item is a loan item, the offeror may be a lending user, and the offeror may be a lending user.
The library book borrowing items are credit-based library book borrowing items, the library participates in the credit-based library book borrowing items, after participation is completed, credit value increase and decrease are conducted on the credit account of the library based on the completion condition of the library, for example, the library borrows books to book borrowing users according to appointed time, and the credit value of the credit account of the library is increased.
The public welfare activity item is a credit-based public welfare activity item, the public welfare activity initiator participates in the credit-based public welfare activity item, and after participation is completed, credit value increase and decrease are carried out on the credit account of the public welfare activity initiator based on the completion condition of the public welfare activity initiator, for example, the credit value of the credit account of the public welfare activity initiator is reduced when the public welfare activity initiator defaults.
the user borrowing item is a credit-based user borrowing item, the borrowing user participates in the credit-based user borrowing item, after participation is completed, credit value increase and decrease are carried out on the credit account of the borrowing user based on the completion condition of the borrowing user, for example, the borrowing user performs appointment, borrows the credit account of the borrowing user, and then the credit value of the credit account of the borrowing user can be increased.
If the contracting party is a library, receiving a participation request for participating in the credit item submitted by the contracting party, namely receiving the participation request for participating in the library book borrowing item submitted by the library; if the contracting party is the initiator of a public interest project, receiving a participation request for participating in the credit project submitted by the contracting party, namely the participation request for participating in the public interest activity project submitted by the initiator for receiving the public interest project; and if the offeror is the lending user, receiving a participation request submitted by the offeror for participating in the credit project, namely receiving a participation request submitted by the lending user for participating in the loan project.
Step 104: authenticating the offeror based on the participation request.
in one or more embodiments of the present description, authenticating the offeror based on the participation request includes at least three authentication scenarios.
in a first case, the authenticating the offeror based on the participation request includes:
Acquiring identity information of the offeror based on the participation request;
and verifying the issuer based on the identity information.
the identity information includes, but is not limited to, a name, an address, various qualifications, and the like of the offeror, for example, if the offeror is a library, the identity information of the library may include the name, the address, the establishment time, the type of books to be stored, the number of books to be stored, and the like; if the sponsor is a public welfare project sponsor, the identity information of the public welfare project sponsor can comprise a registration certificate, an organization code or an identity card number, a name and the like of the sponsor; if the offeror is a lending user, the identity information of the lending user may include a name, an address, an identification number, a telephone, an electronic mailbox, a bank card account number, and the like of the lending user.
After the identity information of the contracting party is acquired, authenticity and legality verification are carried out on the identity information of the contracting party, the subsequent steps can be carried out after the fact that the contracting party is really existed and legal is determined, if the identity information of the contracting party is false or illegal, great unknown risks are brought to subsequent contracts, and therefore the identity verification of the contracting party is very necessary.
in a second case, the authenticating the offeror based on the participation request includes:
obtaining a credit value of a credit account of the offeror based on the participation request;
Verifying the offeror based on the credit value.
Wherein the credit values include, but are not limited to, various ratings of the offeror's credit account, e.g., if the offeror is a library, the credit values of the library's credit account may include a rating of the library, etc.; if the sponsor is a public interest item sponsor, the credit value of the public interest item sponsor may include a quantitative rating of the public interest item sponsor launching public interest items; if the offeror is a lending user, the credit value of the lending user may include a score of the bank consumption of the lending user, and the like.
Taking the offerer as a lending user as an example, based on the bank consumption condition of the lending user, determining that the monthly consumption amount of the lending user is particularly high and the lending user does not overdraft, wherein the lending user belongs to a high-quality user, and then the credit platform allocates a higher credit value to the credit account of the lending user. In practical application, when the issuer is verified by using the credit value, the issuer with higher credit value can be easily verified. Some parties with lower credit are considered to have credit risk, and the verification process is relatively strict.
after the credit value of the credit account of the contracting party is acquired, the contracting party is verified by adopting the credit value, some inferior contracting parties can be filtered out, and property or economic loss caused to the contracting party of the contract after a subsequent contract is established is avoided.
In a third case, the authenticating the offeror based on the participation request includes:
acquiring historical fulfillment information of the offeror based on the participation request;
Verifying the offeror based on the historical fulfillment information.
wherein the historical fulfillment information includes, but is not limited to, fulfillment information of the offerer based on historical credit terms, such as completion fulfillment information and default information.
for example, if the contracting party is a library, the historical performance information of the library may include information about completion appointments or default appointments in the historical credit project participated by the library, and the like; if the contracting party is a public welfare project initiator, the historical fulfillment information of the public welfare project initiator may include information that the public welfare project initiator completes an appointment or is a default in a historical information project, and the like; if the offeror is a lending user, the historical fulfillment information of the lending user may include information that the lending user participates in a past credit project to complete an appointment or default, and the like.
taking the offeror as an example of a library, if the historical performance information of the offeror includes default information of the library, where the default information records that the library does not borrow a book to a user according to an agreement of a book borrowing contract in a certain historical credit item, and thus the book borrowing contract with the user fails, the library is verified not to pass the verification when the library is verified based on the historical performance information.
The historical performance information of the contracting party is obtained, the contracting party is verified based on the historical performance information, a part of contracting parties with bad behavior records can be filtered, and the condition that contract establishment fails when a contract is established with the contracting party subsequently is avoided, so that bad experience is brought to a user.
step 106: in the event that the verification is successful, determining the credit contract template from the credit terms and a credit value of a credit account of the offeror.
in one or more embodiments of the present description, whichever of the above-described validation manners is employed, in a case where the validation is successful, the credit contract template is determined based on the credit terms and the credit value of the credit account of the offeror.
In practical applications, there is at least one contracting party, but if the number of the contracting parties is greater than or equal to two, when the contracting parties are verified based on the identity information or the historical performance information of the contracting parties, all the contracting parties need to be successfully verified, the credit contract template can be determined according to the credit item and the credit value of the credit account of the contracting party, and the authenticity and the validity of the contracting party are ensured.
When the offeror is verified based on the credit value of the credit account of the offeror, at least one of the offeror is successfully verified, the credit contract template can be determined according to the credit items and the credit value of the credit account of the offeror, and the relationship establishment process is directly ended under the condition that the credit value of one offeror is not low.
in practical application, the credit value of the credit account of the offerer is evaluated based on different scoring standards, and the credit value of the credit account of only one offerer is used for verification, so that misjudgment is caused, and the verification result is not very accurate.
In the embodiment of the present specification, the issuer may also be verified by mutually combining identity information, credit value, and/or historical fulfillment information to achieve a better verification effect, and the verification combination manner may be set according to actual requirements, which is not limited in this application.
and said determining said credit contract template from said credit terms and a credit value of a credit account of said offeror comprises:
determining an initial credit contract template based on the type of credit item;
Determining a credit privilege of the offeror based on a credit value of a credit account of the offeror;
And adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
Wherein, before determining the initial credit contract template based on the type of the credit item, further comprising:
An initial credit contract template is pre-established based on the type of the credit item.
The types of the credit items are different, and the pre-established initial credit contract templates are also different, for example, the types of the credit items are library types, and the correspondingly established initial credit contract templates may include some book borrowing items, book returning time and other information; the credit item type is a public welfare type, and the correspondingly established initial credit contract template may include some public welfare activity items, public welfare activity starting and ending time and other information; the credit item type is a borrowing type, and the correspondingly established initial credit contract template may include information such as a borrowing amount and repayment time.
in one or more embodiments of the present specification, the determining the credit authority of the offeror based on the credit value of the offeror's credit account includes:
ranking credit values of the offeror's credit account;
determining the credit rights of the offeror based on a level of credit value of the offeror's credit account.
In practical applications, a credit rating division table may be preset, and the corresponding rating may be different based on the difference of the credit value of the credit account of the offeror. For example, when the credit value is 0-50 points, the corresponding grade is three grades; when the credit value is 51-90 points, the corresponding grade is two grades; when the credit value is 91 points and 90 points or more, the corresponding grade is one grade.
And the credit authority of the offeror corresponding to each level is different.
Taking the offeror as a library as an example, if the credit value of the credit account of the library is 92 and the corresponding level is one level, the credit authority of the library is higher, so that not only can the borrowing of a single user be realized, but also the borrowing of a group can be realized; the higher the level of the credit value of the credit account of the offeror is, the larger the credit authority of the offeror is, the higher the credit value of the credit account of the offeror is, the level division is performed on the credit value of the credit account of the offeror, and the manner of determining the credit authority of the offeror based on the level is adopted, so that the positivity of the offeror can be greatly improved. In practical application, the offerer can improve the credit value of the offerer by performing some preset tasks, and under the condition that the credit value can be converted into the authority, the offerer can more actively perform the tasks on the credit platform to improve the credit value of the offerer, so that the click rate and the browsing rate of a user on the credit platform and the activity of the credit platform are greatly increased.
And adjusting the initial credit contract template based on the credit authority to obtain the credit contract template, namely adjusting the initial credit contract template according to different credit authorities.
Taking the offerer as a lending user as an example, if only the information of the lending user and the repayment user exists in the initial credit contract template, and the level of the lending user is three levels, only the information in the initial credit contract template can be used; if the level of the lending user is two levels, adding borrowing time information in an initial credit contract template; if the level of the lending user is one level, information such as repayment time and repayment amount can be added in the initial credit contract template.
the larger the credit authority is, the richer the content of the credit contract template is, and the positivity of the offerer for improving the credit value of the offerer can be greatly improved.
in practical application, the method is applied to a credit platform, and the offerer can do tasks capable of improving the credit value of the offerer on the credit platform to improve the credit value of the offerer, so that the click rate and the browsing rate of the offerer on the credit platform can be greatly improved.
Step 108: and sending the credit contract template to the offeror, and establishing a relation based on credit with the offeror after receiving the signature of the offeror on the credit contract template.
Specifically, after receiving the signature of the contracting party on the credit contract template, establishing a relationship with the contracting party based on credit includes:
Receiving a signature of the contracting party against the credit contract template;
Determining the number of the contracting parties, and establishing a credit-based relationship with the contracting parties under the condition that the number of the contracting parties is consistent with the number of the received signatures.
taking the contracting party as a public welfare item initiator as an example, if the contracting party is 3 public welfare item initiators, the relationship based on credit with the public welfare item initiator is established under the condition that the signature on the credit contract template is also 3 nonrepeating signatures of the public welfare item initiators.
in practical application, after the credit-based relationship with the offeror is established, when the offeror signs a contract by using the credit contract template, the offeror does not need to sign in the credit contract template once in each signing process, so that time and labor are saved.
the relation establishment method based on the credit comprises the steps of receiving a participation request submitted by a contracting party for participating in a credit project; verifying the contracting party based on the participation request so as to ensure the authenticity and the legality of the contracting party; under the condition that the verification is successful, the credit contract template is subjected to personalized adjustment according to the credit item and the credit value of the credit account of the offerer so as to meet the personalized requirement of the offerer, and the realization is flexible; sending the credit contract template to the contracting party, and establishing a credit-based relationship with the contracting party after receiving a signature of the contracting party on the credit contract template; after the relationship is established, when the contracting party adopts the credit contract template to initiate the invitation, the contracting party does not need to repeatedly sign, so that the time and the labor are saved, the working efficiency is greatly improved, the enthusiasm of the contracting party for improving the credit value of the contracting party can be greatly improved, and the credit contract template with higher authority can be obtained based on the credit value in the method.
referring to fig. 2, fig. 2 is a flowchart illustrating a method for establishing a credit-based relationship in a library book borrowing scenario according to an embodiment of the present disclosure, including steps 202 to 216.
Step 202: and receiving a participation request submitted by the library to participate in the library credit borrowing item.
Step 204: and acquiring the establishment qualification of the library based on the participation request.
step 206: and verifying the library based on the establishment resources of the library.
Step 208: and determining an initial credit contract template based on the type of the library credit borrowing item under the condition that the establishment qualification verification of the library is successful.
Step 210: determining credit rights for the library based on a credit value of a credit account of the library.
The relationship between the credit value of the credit account of the library and the credit authority can be set according to actual requirements, and the method is not limited in any way.
step 212: and adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
Step 214: the credit contract template is sent to the library and a signature of the library for the credit contract template is received.
step 216: and determining the number of the libraries, and establishing a credit-based relationship with the libraries under the condition that the number of the libraries and the number of the received signatures of the libraries are consistent.
After the credit-based relationship with the library is established, the library can participate in the credit book borrowing project of the library based on the credit contract template.
according to the relationship establishment method based on the credit, after a participation request submitted by a library and participating in a library credit book borrowing project is received, the establishment qualification of the library is verified to ensure the legality of the library; under the condition that the verification is successful, realizing the personalized adjustment of the credit contract template based on the credit authority corresponding to the credit value of the credit account of the library so as to meet the personalized requirement of the library, and realizing more flexibly; and after the library signs on the credit contract template, establishing a relationship with the library is realized; after the credit relationship is established, the library does not need to sign repeatedly when the library initiates a borrowing offer by adopting the credit contract template, so that the time and the labor are saved, and the working efficiency is greatly improved.
referring to fig. 3, fig. 3 is a flowchart illustrating a method for establishing a credit-based relationship in a public welfare project scenario of a seed tree according to an embodiment of the present specification, including steps 302 to 316.
step 302: and receiving a participation request submitted by the public interest initiator to participate in the public interest item of the credit seed tree.
Step 304: and acquiring the credit value of the credit account of the public interest initiator based on the participation request.
Step 306: verifying the public interest initiator based on a credit value of a credit account of the public interest initiator.
Step 308: in the event that the credit value verification of the credit account of the public interest initiator is successful, determining an initial credit contract template based on the type of the credit seed tree public interest item.
and if the verification of the credit value of the credit account of the public interest initiator is successful, the credit value of the credit account of the public interest initiator meets the credit value required for participating in the credit seed tree public interest project.
Step 310: determining a credit privilege of the public interest initiator based on a credit value of a credit account of the public interest initiator.
the relationship between the credit value of the credit account of the public interest initiator and the credit authority can be set according to actual requirements, which is not limited in this application.
Step 312: and adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
step 314: and sending the credit contract template to the public interest initiator, and receiving a signature of the public interest initiator for the credit contract template.
Step 316: and determining the number of the public interest initiators, and establishing a credit-based relationship with the public interest initiators under the condition that the number of the public interest initiators is consistent with the number of the received signatures of the public interest initiators.
After the relationship based on credit with the public interest initiator is established, the public interest initiator can participate in the public interest item of the credit seed tree based on the credit contract template.
In the relationship establishment method based on the credit provided by the specification, after a participation request for participating in a public interest project of a credit seed tree submitted by a public interest initiator is received, the establishment qualification of the public interest initiator is verified to ensure the validity of the public interest initiator; under the condition that the verification is successful, realizing the personalized adjustment of the credit contract template based on the credit authority corresponding to the credit value of the credit account of the public interest initiator so as to meet the personalized requirement of the public interest initiator, wherein the realization is more flexible; and after the public interest initiator signs the credit contract template, establishing a relationship with the public interest initiator is realized; after the credit relation is established, the public welfare initiator does not need to sign repeatedly when the public welfare initiator initiates the invitation of the seed tree by adopting the credit contract template, so that the time and the labor are saved, and the working efficiency is greatly improved.
Referring to fig. 4, fig. 4 shows a credit-based relationship establishing apparatus according to an embodiment of the present specification, including:
A receiving module 402 configured to receive a participation request submitted by a offeror to participate in a credit item;
a verification module 404 configured to verify the offeror based on the participation request;
A determination module 406 configured to determine the credit contract template from the credit terms and a credit value of a credit account of the offeror in case the verification is successful;
A relationship establishing module 408 configured to send the credit contract template to the offeror, and after receiving the signature of the offeror on the credit contract template, establish a credit-based relationship with the offeror.
optionally, the verification module 404 is further configured to:
Acquiring identity information of the offeror based on the participation request;
And verifying the issuer based on the identity information.
optionally, the verification module 404 is further configured to:
obtaining a credit value of a credit account of the offeror based on the participation request;
Verifying the offeror based on the credit value.
optionally, the verification module 404 is further configured to:
Acquiring historical fulfillment information of the offeror based on the participation request;
verifying the offeror based on the historical fulfillment information
Optionally, the determining module 406 is further configured to:
Determining an initial credit contract template based on the type of credit item;
determining a credit privilege of the offeror based on a credit value of a credit account of the offeror;
And adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
Optionally, the relationship establishing module 408 is further configured to:
receiving a signature of the contracting party against the credit contract template;
Determining the number of the contracting parties, and establishing a credit-based relationship with the contracting parties under the condition that the number of the contracting parties is consistent with the number of the received signatures.
optionally, the determining module 406 is further configured to:
And if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that all the offeror successfully verify.
Optionally, the determining module 406 is further configured to:
And if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that at least one offeror is successfully verified.
optionally, the apparatus further comprises:
an establishing module configured to pre-establish an initial credit contract template based on the type of credit item.
optionally, the determining module 406 is further configured to:
ranking credit values of the offeror's credit account;
Determining the credit rights of the offeror based on a level of credit value of the offeror's credit account.
the relation establishment device based on credit provided by the specification receives a participation request of a participation credit item submitted by a sender through a receiving module 402; the verification module 404 verifies the offerer based on the participation request to ensure the authenticity and validity of the offerer; under the condition that the verification is successfully realized through the determining module 406, the credit contract template is subjected to personalized adjustment according to the credit item and the credit value of the credit account of the offeror so as to meet the personalized requirement of the offeror, so that the realization is flexible; and sends the credit contract template to the offeror through the relationship establishment module 408, and after receiving the signature of the offeror on the credit contract template, establishes a relationship with the offeror based on credit; after the relationship is established, the contracting party does not need to repeatedly sign when adopting the credit contract template for contracting, so that the time and the labor are saved, and the working efficiency is greatly improved.
FIG. 5 illustrates a block diagram of a computing device 500, according to an embodiment of the present description. The components of the computing device 500 include, but are not limited to, a memory 510 and a processor 520. Processor 520 is coupled to memory 510 via bus 530, and database 550 is used to store data.
Computing device 500 also includes access device 540, access device 540 enabling computing device 500 to communicate via one or more networks 560. 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. The access device 540 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-described components of computing device 500, as well as other components not shown in FIG. 5, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 5 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.
computing device 500 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 500 may also be a mobile or stationary server.
wherein processor 520 is configured to execute the following computer-executable instructions:
receiving a participation request submitted by a contracting party for participating in a credit project;
authenticating the offeror based on the participation request;
in the event that the verification is successful, determining the credit contract template from the credit terms and a credit value of a credit account of the offeror;
And sending the credit contract template to the offeror, and establishing a relation based on credit with the offeror after receiving the signature of the offeror on the credit contract template.
Optionally, the verifying the offeror based on the participation request includes:
Acquiring identity information of the offeror based on the participation request;
and verifying the issuer based on the identity information.
Optionally, the verifying the offeror based on the participation request includes:
obtaining a credit value of a credit account of the offeror based on the participation request;
verifying the offeror based on the credit value.
Optionally, the verifying the offeror based on the participation request includes:
acquiring historical fulfillment information of the offeror based on the participation request;
Verifying the offeror based on the historical fulfillment information.
Optionally, the determining the credit contract template according to the credit terms and the credit value of the credit account of the offeror comprises:
Determining an initial credit contract template based on the type of credit item;
determining a credit privilege of the offeror based on a credit value of a credit account of the offeror;
and adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
optionally, after receiving the signature of the contracting party on the credit contract template, establishing a relationship with the contracting party based on credit includes:
receiving a signature of the contracting party against the credit contract template;
Determining the number of the contracting parties, and establishing a credit-based relationship with the contracting parties under the condition that the number of the contracting parties is consistent with the number of the received signatures.
Optionally, in the case that the verification is successful, the determining the credit contract template according to the credit item and the credit value of the credit account of the offeror includes:
And if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that all the offeror successfully verify.
Optionally, in the case that the verification is successful, the determining the credit contract template according to the credit item and the credit value of the credit account of the offeror includes:
and if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that at least one offeror is successfully verified.
Optionally, before determining the initial credit contract template based on the type of the credit item, the method further includes:
An initial credit contract template is pre-established based on the type of the credit item.
optionally, the determining the credit authority of the offeror based on the credit value of the offeror's credit account includes:
Ranking credit values of the offeror's credit account;
determining the credit rights of the offeror based on a level of credit value of the offeror's credit account.
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 and the technical solution of the above-mentioned credit-based relationship establishing method belong to the same concept, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the above-mentioned credit-based relationship establishing method.
an embodiment of the present application further provides a computer-readable storage medium storing computer instructions, which when executed by a processor, implement the steps of:
receiving a participation request submitted by a contracting party for participating in a credit project;
authenticating the offeror based on the participation request;
In the event that the verification is successful, determining the credit contract template from the credit terms and a credit value of a credit account of the offeror;
And sending the credit contract template to the offeror, and establishing a relation based on credit with the offeror after receiving the signature of the offeror on the credit contract template.
Optionally, the verifying the offeror based on the participation request includes:
Acquiring identity information of the offeror based on the participation request;
And verifying the issuer based on the identity information.
optionally, the verifying the offeror based on the participation request includes:
Obtaining a credit value of a credit account of the offeror based on the participation request;
Verifying the offeror based on the credit value.
optionally, the verifying the offeror based on the participation request includes:
Acquiring historical fulfillment information of the offeror based on the participation request;
verifying the offeror based on the historical fulfillment information.
optionally, the determining the credit contract template according to the credit terms and the credit value of the credit account of the offeror comprises:
determining an initial credit contract template based on the type of credit item;
determining a credit privilege of the offeror based on a credit value of a credit account of the offeror;
And adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
Optionally, after receiving the signature of the contracting party on the credit contract template, establishing a relationship with the contracting party based on credit includes:
receiving a signature of the contracting party against the credit contract template;
Determining the number of the contracting parties, and establishing a credit-based relationship with the contracting parties under the condition that the number of the contracting parties is consistent with the number of the received signatures.
optionally, in the case that the verification is successful, the determining the credit contract template according to the credit item and the credit value of the credit account of the offeror includes:
And if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that all the offeror successfully verify.
optionally, in the case that the verification is successful, the determining the credit contract template according to the credit item and the credit value of the credit account of the offeror includes:
and if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that at least one offeror is successfully verified.
optionally, before determining the initial credit contract template based on the type of the credit item, the method further includes:
an initial credit contract template is pre-established based on the type of the credit item.
Optionally, the determining the credit authority of the offeror based on the credit value of the offeror's credit account includes:
ranking credit values of the offeror's credit account;
determining the credit rights of the offeror based on a level of credit value of the offeror's credit account.
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 and the technical solution of the above-mentioned credit-based relationship establishing method belong to the same concept, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the above-mentioned credit-based relationship establishing method.
The foregoing description has been directed to specific embodiments of this disclosure. 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.
Claims (16)
1. A credit-based relationship establishment method, comprising:
receiving a participation request submitted by a contracting party for participating in a credit project;
Authenticating the offeror based on the participation request;
in the event that the verification is successful, determining the credit contract template from the credit terms and a credit value of a credit account of the offeror;
and sending the credit contract template to the offeror, and establishing a relation based on credit with the offeror after receiving the signature of the offeror on the credit contract template.
2. The method of claim 1, wherein the authenticating the offeror based on the participation request comprises:
acquiring identity information of the offeror based on the participation request;
and verifying the issuer based on the identity information.
3. the method of claim 1, wherein the authenticating the offeror based on the participation request comprises:
Obtaining a credit value of a credit account of the offeror based on the participation request;
verifying the offeror based on the credit value.
4. the method of claim 1, wherein the authenticating the offeror based on the participation request comprises:
Acquiring historical fulfillment information of the offeror based on the participation request;
Verifying the offeror based on the historical fulfillment information.
5. The method of any of claims 1-4, wherein determining the credit contract template based on the credit terms and the credit value of the credit account of the offeror comprises:
determining an initial credit contract template based on the type of credit item;
Determining a credit privilege of the offeror based on a credit value of a credit account of the offeror;
And adjusting the initial credit contract template based on the credit authority to obtain the credit contract template.
6. The method of claim 5, wherein the receiving a signature of the offeror for the credit contract template and establishing a credit-based relationship with the offeror comprises:
receiving a signature of the contracting party against the credit contract template;
determining the number of the contracting parties, and establishing a credit-based relationship with the contracting parties under the condition that the number of the contracting parties is consistent with the number of the received signatures.
7. the method of claim 2 or 4, wherein determining the credit contract template from the credit terms and the credit value of the credit account of the offeror, if the verification is successful, comprises:
and if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that all the offeror successfully verify.
8. the method of claim 3, wherein determining the credit contract template from the credit terms and credit values of the credit account of the offeror, if the verification is successful, comprises:
and if the number of the offeror is more than or equal to two, determining the credit contract template according to the credit items and the credit value of the credit account of the offeror under the condition that at least one offeror is successfully verified.
9. The method of claim 5, wherein prior to determining an initial credit contract template based on the type of credit item, further comprising:
An initial credit contract template is pre-established based on the type of the credit item.
10. the method of claim 5, wherein determining the credit rights of the offeror based on the credit value of the offeror's credit account comprises:
Ranking credit values of the offeror's credit account;
Determining the credit rights of the offeror based on a level of credit value of the offeror's credit account.
11. A credit-based relationship establishment apparatus, comprising:
A receiving module configured to receive a participation request submitted by a offeror to participate in a credit item;
a verification module configured to verify the offeror based on the participation request;
a determination module configured to determine the credit contract template from the credit terms and a credit value of a credit account of the offeror in case the verification is successful;
and the relation establishment module is configured to send the credit contract template to the offerer, and establish a relation based on credit with the offerer after receiving the signature of the offerer on the credit contract template.
12. the apparatus of claim 11, wherein the verification module is further configured to:
acquiring identity information of the offeror based on the participation request;
And verifying the issuer based on the identity information.
13. the apparatus of claim 11, wherein the verification module is further configured to:
Obtaining a credit value of a credit account of the offeror based on the participation request;
verifying the offeror based on the credit value.
14. the apparatus of claim 11, wherein the verification module is further configured to:
Acquiring historical fulfillment information of the offeror based on the participation request;
verifying the offeror based on the historical fulfillment information.
15. A computing device, comprising:
a memory and a processor;
the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:
Receiving a participation request submitted by a contracting party for participating in a credit project;
Authenticating the offeror based on the participation request;
in the event that the verification is successful, determining the credit contract template from the credit terms and a credit value of a credit account of the offeror;
And sending the credit contract template to the offeror, and establishing a relation based on credit with the offeror after receiving the signature of the offeror on the credit contract template.
16. a computer-readable storage medium storing computer instructions, which when executed by a processor, perform the steps of the method of any one of claims 1 to 10.
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| CN201910704379.7A CN110570162A (en) | 2019-07-31 | 2019-07-31 | credit-based relationship establishing method and device |
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