CN110675213B

CN110675213B - Method and device for putting credit service product and electronic equipment

Info

Publication number: CN110675213B
Application number: CN201910780797.4A
Authority: CN
Inventors: 林飞
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-08-22
Filing date: 2019-08-22
Publication date: 2022-02-22
Anticipated expiration: 2039-08-22
Also published as: CN110675213A

Abstract

The embodiment of the invention discloses a method, a device and electronic equipment for putting credit service products, wherein the method can comprise the following steps: acquiring a credit evaluation index value of a target user, wherein the credit evaluation index value is determined based on performance data formed by the target user using a historical credit service product; determining a target credit service product pre-released by a target merchant based on the credit evaluation index value; generating an electronic contract for delivering the target credit service product based on a preset electronic contract template, wherein the electronic contract comprises the rights and interests provided by the target credit service product and the performing behaviors which need to be executed by the target user after enjoying the rights and interests; and delivering the electronic contract to the client of the target user.

Description

Method and device for putting credit service product and electronic equipment

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for delivering a credit service product, and an electronic device.

Background

With the maturity of the user credit evaluation system established around the user performance data, there are more and more scenarios for providing the user with credit services based on the credit evaluation index value of the user, for example, a user with a credit evaluation index value (e.g., credit score) higher than a certain level may enjoy benefits of first experience and then payment on a certain e-commerce platform, or may enjoy convenience of first taxi taking and then payment on a certain network taxi appointment platform. A scenario in which a credit service is provided to a user based on a credit evaluation index value of the user may be collectively referred to as a credit application scenario. When the user uses the credit service in different credit application scenes, and finishes the credit behavior according to time and rules, the fulfillment data is generated and fed back to the credit account set for the user in the user credit supervision platform, so that the user credit supervision platform maintains the credit evaluation index value of the user.

In the existing credit application scenario, a user lacks an entrance for continuously maintaining a credit service product, and cannot intuitively feel the self performance life cycle, so that the desire of the user to use the credit service product is not great, and the user flow is difficult to bring to a merchant providing the credit service product.

Disclosure of Invention

The embodiment of the specification provides a method, a device and an electronic device for delivering a credit service product, so as to improve the willingness of a user to use the credit service product, thereby providing more possibilities for a merchant to increase the customer traffic.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

in a first aspect, a method for delivering a credit service product is provided, the method comprising:

acquiring a credit evaluation index value of a target user, wherein the credit evaluation index value is determined based on performance data formed by the target user using a historical credit service product;

determining a target credit service product pre-released by a target merchant based on the credit evaluation index value;

generating an electronic contract for delivering the target credit service product based on a preset electronic contract template, wherein the electronic contract comprises the rights and interests provided by the target credit service product and the performing behaviors which need to be executed by the target user after enjoying the rights and interests;

and delivering the electronic contract to the client of the target user.

In a second aspect, a method for delivering a credit service product is provided, which is applied to a server, and the method includes:

receiving an electronic contract issued by a target merchant;

the electronic contract is used for releasing a target credit service product to a target user, the electronic contract comprises an interest provided by the target credit service product and a performance behavior which needs to be executed by the target user after enjoying the interest, the electronic contract is generated based on a preset electronic contract template, the target credit service product is determined by the target merchant based on a credit evaluation index value of the target user, and the credit evaluation index value is determined based on performance data formed by the target user by using historical credit service products.

In a third aspect, an apparatus for delivering a credit service product is provided, which is applied to a client, and includes:

the credit acquisition module is used for acquiring a credit evaluation index value of a target user, and the credit evaluation index value is determined based on performance data formed by using a historical credit service product by the target user;

the product determination module is used for determining a target credit service product pre-released by a target merchant based on the credit evaluation index value;

a contract generating module, configured to generate an electronic contract for delivering the target credit service product based on a preset electronic contract template, where the electronic contract includes an interest provided by the target credit service product and a performing action to be performed by the target user after enjoying the interest;

and the contract releasing module is used for releasing the electronic contract to the client side where the target user is located.

In a fourth aspect, an apparatus for delivering a credit service product is provided, which is applied to a server, and the apparatus includes:

the first receiving module is used for receiving the electronic contract released by the target merchant;

In a fifth aspect, an electronic device is provided, including:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

and delivering the electronic contract to the client of the target user.

In a sixth aspect, a computer-readable storage medium is presented, storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:

and delivering the electronic contract to the client of the target user.

In a seventh aspect, an electronic device is provided, including:

a processor; and

receiving an electronic contract issued by a target merchant;

In an eighth aspect, a computer-readable storage medium is presented, the computer-readable storage medium storing one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:

receiving an electronic contract issued by a target merchant;

As can be seen from the technical solutions provided in the embodiments of the present specification, the solutions provided in the embodiments of the present specification have at least one of the following technical effects: because the target credit service product is delivered to the client side where the target user is located in the form of the electronic contract, and the electronic contract comprises the rights and interests provided by the target credit service product and the performing behaviors which need to be executed after the target user enjoys the rights and interests, an entrance for continuously maintaining the credit service product can be provided for the target user, so that the target user can intuitively feel the performing life cycle of the target user, the target user is more willing to use the target credit service product, and the increase of the customer flow of the target merchant is more likely.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

FIG. 1 is a diagram of an operating environment for embodiments of the present disclosure.

Fig. 2 is a flowchart of a method for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 3 is a second flowchart of a method for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 4 is a third schematic flowchart of a method for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 5 is a schematic flow chart of another method for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 6 is a second flowchart of another method for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification.

Fig. 8 is a schematic structural diagram of an apparatus for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 9 is a second schematic structural diagram of an apparatus for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 10 is a third schematic structural diagram of an apparatus for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 11 is a schematic structural diagram of another apparatus for delivering a credit service product according to an embodiment of the present disclosure.

Fig. 12 is a second schematic structural diagram of another apparatus for delivering credit service products according to the embodiment of the present disclosure.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

In order to provide a user with an entrance capable of continuously maintaining credit service products so that the user can intuitively feel the performance life cycle of the user, the embodiment of the specification provides a novel method, a novel device and a novel equipment for putting in the credit service products. In order to clearly understand an application scenario of each technical solution provided in the embodiment of the present specification, an operating environment of the embodiment of the present specification is described below with reference to fig. 1.

As shown in fig. 1, one or more users 101 (only one is shown in fig. 1) may use credit service products from one or more merchants 103 (only one is shown in fig. 1, and the merchants 103 specifically perform various operations through their own terminal devices or servers) through respective user terminals 102. The merchant 103 feeds back fulfillment data formed during the use of the credit service product by the user 101 to the credit administration platform 104 (colloquially referred to as a credit account). The credit administration platform 104 analyzes the performance data by using its middle layer 105 to obtain the credit evaluation index value of the user 101. The user 101 authorizes the merchant 103 to acquire the credit evaluation index value of the user 101 from the credit administration platform 104 through the authorization open platform 106 at the user terminal 102. The merchant 103 determines a target credit service product to be delivered based on the acquired credit evaluation index value of the user 101, generates an electronic contract for delivering the target credit service product by combining with an electronic contract template provided by the credit supervision platform 104, and delivers the electronic contract to the client of the user 101 through the electronic contract platform.

It should be noted that the client where the user 101 is located is installed in the user terminal 102, the client may be third-party application software or a browser, and the electronic contract platform may be an electronic contract entry embedded in the client. In addition, since the electronic contract is binding to both parties (and possibly many parties) of the contract, the terminal or the server of the merchant 103 is embedded with an electronic contract platform, so that the merchant 3 can continuously manage the credit service product released in the form of the electronic contract.

The following describes a method for delivering a credit service product provided by an embodiment of the present specification.

It should be noted that the method and apparatus for delivering credit service products provided by the embodiments shown in fig. 2 to fig. 4 can be applied to a terminal device or a server of the merchant 103; the embodiments shown in fig. 5 to 6 provide another method and apparatus for delivering credit service products, which can be applied to the user terminal 102.

As shown in fig. 2, an embodiment of the present specification provides a method for delivering a credit service product, which may be applied in a terminal device or a server of a merchant 103 shown in fig. 1, and the method may include:

step 202, obtaining a credit evaluation index value of a target user, wherein the credit evaluation index value is determined based on performance data formed by the target user using a historical credit service product.

The target user may be one or more intended users of the target merchant who have pre-paid credit service products, and the intended users may be users selected from a plurality of users of the target merchant or a plurality of users using the client.

The target merchant may be any merchant that can provide credit service products to the user.

The credit assessment indicator may be a credit score, credit rating, or the like. Accordingly, the credit evaluation index value of the user is a specific value of the credit evaluation index of the user. For example, if the credit evaluation index is a credit score, the credit evaluation index value of a certain user may be a value of 500, 600 or 700. For another example, if the credit evaluation index is a credit rating and the credit rating of the user is often classified into a low rating, a medium rating and a high rating according to how good the user is credited, a certain user credit evaluation index value may be one of the low rating, the medium rating and the high rating.

Credit service products are some service products that users enjoy based on their own credit, and optionally, users need to perform a designated performance before, during or after using the credit service products. The historical credit service product refers to the credit service product used by the user. The fulfillment data refers to data generated by a user performing a specified fulfillment activity before, during, or after using up a credit service product.

As an example, step 202 may include: and obtaining the credit evaluation index value of the target user from a credit supervision platform of the target user under the condition of authorization of the target user. Since the credit evaluation index value of the user belongs to the privacy of the user to a certain extent, the merchant needs to obtain the authorization of the user to obtain the credit evaluation index value of the user, so as to ensure the privacy security of the user. As shown in fig. 1, the user 101 may authorize (auth) the merchant 103 through an authorization open platform (authapi) at the user terminal 102, so that the merchant 103 obtains the right to query the credit rating index value of the user 101.

And step 204, determining a target credit service product pre-released by the target merchant based on the credit evaluation index value.

In a specific implementation, the target credit service product may be determined according to a principle that "a better credit service product is delivered to the target user when the credit evaluation index value is high, and a worse credit service product is delivered to the target user when the credit evaluation index value is low".

For example, when the credit evaluation index value is greater than or equal to a preset threshold value, determining that a first credit service product is a target credit service product pre-released by the target merchant; the right provided by the first credit service product is better than the right provided by the appointed historical credit service product, and/or the performing behavior corresponding to the first credit service product is less than the performing behavior corresponding to the appointed historical credit service product.

For another example, when the credit evaluation index value is smaller than a preset threshold value, determining that a second credit service product is a target credit service product pre-released by the target merchant; wherein, the right provided by the second credit service product is inferior to the right provided by the appointed historical credit service product, and/or the performing behavior corresponding to the first credit service product is more than the performing behavior corresponding to the appointed historical credit service product.

In both of the above examples, the designated historical credit service product may be the historical credit service product that was last used by the target user, or may be a plurality of historical credit service products that were used by the target user over a period of time in the past, and so on.

And step 206, generating an electronic contract for delivering the target credit service product based on a preset electronic contract template, wherein the electronic contract comprises the rights and interests provided by the target credit service product and the performance behaviors which need to be executed by the target user after enjoying the rights and interests.

The preset electronic contract template may be generated in advance by the credit supervision platform, and the preset electronic contract template may include terms such as a performance term and other terms, in addition to the rights and interests provided by the credit service product and the performance behaviors that the user needs to perform after enjoying the rights and interests, and the content included in the preset electronic contract template is not particularly limited in the embodiment of the present specification.

It is understood that, after the preset electronic contract template is available, the electronic contract can be generated by filling the relevant rights and interests provided by the target credit service product and the performance behavior expected to be completed by the target user into the preset electronic contract template.

And 208, delivering the electronic contract to the client of the target user.

As an example, step 208 may include: and delivering the electronic contract to the client of the target user through an electronic contract platform provided by the client of the target user.

It should be noted that, the electronic contract platform embedded in the client is used for delivering the electronic contract, and since the contract is binding to each party of the contract, when the parties of the contract are different, the binding may be formed between different subjects. In addition, electronic contracts have the capability to bring together parties that associate the contract for their respective purposes (e.g., to complete a transaction between a merchant and a user). The contracting party of the electronic contract provided by the embodiment of the specification is the target merchant and the target user, so that the target merchant and the target user can be matched, and the customer flow of the target merchant is improved. Conceivably, when the contracting party of the electronic contract is a merchant and a merchant, the merchant and the merchant can be matched; when the contracting party of the electronic contract is the user and the user, the user and the user can be matched, and the like.

In the method for delivering the credit service product provided by the embodiment of the specification, the target credit service product is delivered to the client where the target user is located in the form of the electronic contract, and the electronic contract includes the right provided by the target credit service product and the performance behavior which needs to be executed by the target user after enjoying the right, so that an entrance for continuously maintaining the credit service product can be provided for the target user, the target user can intuitively feel the performance life cycle of the target user, the target user is more willing to use the target credit service product, and further the increase of the client traffic of the target merchant is more likely.

Optionally, as shown in fig. 3, a method for delivering a credit service product provided in an embodiment of the present specification may further include:

step 210, in response to the target user's triggering operation on the electronic contract after receiving the electronic contract, taking effect on the electronic contract.

For example, after the client of the target user receives the electronic contract, there is an electronic contract record to be validated, and if the target user performs a click-to-get operation, the electronic contract becomes valid. After the electronic contract takes effect, the target user can enjoy the rights and interests specified in the contract and execute the performance behavior in the electronic contract, when the rights and obligations specified in the electronic contract are executed, the target merchant and the target user are successfully matched, the two parties reach the transaction, the target user increases and contributes a part of force to the customer traffic of the target merchant, and the target user enjoys the corresponding rights and interests at a relatively low cost to realize the win-win of the target user and the target merchant.

Further, as shown in fig. 4, a method for delivering a credit service product provided by an embodiment of the present specification may further include:

step 212, providing the target user with the rights specified in the electronic contract.

Taking the target merchant as a certain shortcut hotel as an example, the right and interest stipulated in the electronic contract can be limited to a certain guest room with a discount of 5.

And step 214, monitoring the performance behavior of the target user on the electronic contract to obtain performance data. And then step 216 and/or step 222 are performed.

Also taking the target merchant as a certain quick hotel as an example, the performing behavior specified in the electronic contract may be forwarding a message entitled "certain quick hotel" with a certain time limit and a certain guest room of 5 folds "to the circle of friends of the specified social platform.

Step 216, determining whether the target user completes the performance behavior specified in the electronic contract based on the performance data; if so, step 218 is performed, otherwise step 220 is performed.

Continuing the example given in step 214, if the target user forwards a message entitled "quick hotel, time limited, room 5" to the circle of friends for the specified social platform, step 218 is performed, otherwise step 220 is performed.

Optionally, the electronic contract further includes a period of performing activities that need to be completed by the target user after enjoying the interest, wherein the determining whether the target user performs the performing activities specified in the electronic contract based on the performing data includes: determining whether the target user completes the performance behavior specified in the electronic contract within the time limit based on the performance data and the time at which the performance data was generated.

For example, whether the target user forwards a message entitled "a quick hotel" with a time limit of 5 o' clock in a room "to a circle of friends on a specified social platform within a specified time limit.

Step 218, continuing to provide the target user with the rights specified in the electronic contract.

Step 220, the rights provided to the target user are reclaimed.

The method for releasing the credit service product provided by the embodiment of the specification can judge whether the target user executes the specified performance behavior, and can help the merchant to recover the corresponding rights and interests so as not to cause loss to the merchant under the condition that the target user does not execute the specified performance behavior.

Step 222, feeding back the performance data to a credit supervision platform of the target user, where the performance data is used for the credit supervision platform to update a credit evaluation index value of the target user.

Due to the method for releasing the credit service product provided by the embodiment of the specification, the credit supervision platform can continuously update the credit evaluation index value of the target user based on the new performance data, so that the target merchant can more purposefully or more purposefully determine the target credit service product to be released according to the credit evaluation index value of the target user, and further more opportunities are brought to the increase of the customer flow of the target merchant.

In summary, the method for delivering the credit service product provided by the embodiment of the specification is used for delivering the target credit service product provided by the target merchant to the target user in the form of the electronic contract, so that the target user is more likely to match the target user to reach the transaction with the target merchant, and the customer flow of the target merchant is increased.

The above is a description of a method for delivering a credit service product applied to a terminal device or a server of a target merchant provided in the present specification, and the following is a description of a method for delivering a credit service product applied to a terminal device of a target user.

As shown in fig. 5, another method for delivering a credit service product provided in an embodiment of this specification may be applied to a terminal device where a target user is located, where the method may include:

502, receiving an electronic contract released by a target merchant; the electronic contract is used for releasing a target credit service product to a target user, the electronic contract comprises an interest provided by the target credit service product and a performance behavior which needs to be executed by the target user after enjoying the interest, the electronic contract is generated based on a preset electronic contract template, the target credit service product is determined by the target merchant based on a credit evaluation index value of the target user, and the credit evaluation index value is determined based on performance data formed by the target user by using historical credit service products.

In one example, step 502 may include: and receiving and displaying the electronic contract released by the target merchant through a preset electronic contract platform. The preset electronic contract platform is embedded in a client installed on a terminal device where a target user is located and used for executing the method.

In the method for delivering the credit service product provided by the embodiment of the specification, the target credit service product delivered by the target merchant is received in the form of the electronic contract, and the electronic contract comprises the right provided by the target credit service product and the performing action to be executed by the target user after enjoying the right, so that an entrance for continuously maintaining the credit service product can be provided for the target user, the target user can intuitively feel the performing life cycle of the target user, the target user is more willing to use the target credit service product, and further, the increase of the customer traffic of the target merchant is more likely.

Further, as shown in fig. 6, another method for delivering a credit service product provided in an embodiment of the present specification may further include:

and 504, receiving the trigger operation of the target user on the displayed electronic contract so as to enable the electronic contract to take effect.

step 506, responding to the operation that the target user obtains the rights and interests specified in the electronic contract, so that the target user enjoys the rights and interests.

Step 508, receiving the performance behavior made by the target user for the electronic contract, and generating performance data.

Step 510, feeding back the fulfillment data to the target merchant, so that the target merchant feeds back the fulfillment data to a credit supervision platform of the target user, where the fulfillment data is used for the credit supervision platform to update the credit evaluation index value of the target user.

The above description provides a method for delivering a credit service product applied to a terminal device of a target user, and the electronic device provided in the present specification is described below.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification. Referring to fig. 7, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 7, but this does not indicate only one bus or one type of bus.

And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form a device for putting the credit service product on a logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

and delivering the electronic contract to the client of the target user.

Or, the processor executes the program stored in the memory, and is specifically configured to perform the following operations:

receiving an electronic contract issued by a target merchant;

The method for delivering a credit service product disclosed in any one of the embodiments of fig. 2 to 6 of the present specification may be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in one or more embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with one or more embodiments of the present disclosure may be embodied directly in hardware, in a software module executed by a hardware decoding processor, or in a combination of the hardware and software modules executed by a hardware decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

The electronic device may further perform the method for delivering the credit service product shown in any one of fig. 2 to 6, which is not described herein again.

Of course, besides the software implementation, the electronic device in this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

This specification embodiment also proposes a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, are capable of causing the portable electronic device to perform the method of any one of the embodiments shown in fig. 2 to 4, and in particular to perform the following operations:

and delivering the electronic contract to the client of the target user.

Embodiments of the present specification also provide a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, enable the portable electronic device to perform the method of the embodiment shown in fig. 5 or fig. 6, and are specifically configured to:

receiving an electronic contract issued by a target merchant;

The following describes an apparatus for delivering a credit service product provided in the present specification.

As shown in fig. 8, an embodiment of the present specification provides an apparatus 800 for delivering a credit service product, which can be applied to a terminal device or a server of a merchant 103 shown in fig. 1, and in a software implementation, the apparatus 800 for delivering a credit service product can include: credit acquisition module 801, product determination module 802, contract generation module 803, and contract placement module 804.

A credit acquisition module 801, configured to acquire a credit evaluation index value of a target user, where the credit evaluation index value is determined based on fulfillment data formed by using a historical credit service product by the target user.

As an example, the credit acquisition module 801 may be configured to: and obtaining the credit evaluation index value of the target user from a credit supervision platform of the target user under the condition of authorization of the target user. Since the credit evaluation index value of the user belongs to the privacy of the user to a certain extent, the merchant needs to obtain the authorization of the user to obtain the credit evaluation index value of the user, so as to ensure the privacy security of the user.

A product determination module 802, configured to determine, based on the credit evaluation index value, a target credit service product pre-delivered by the target merchant.

In a specific implementation, the product determination module 802 may determine the target credit service product according to a principle that "when the credit evaluation index value is high, a better credit service product is delivered to the target user, and when the credit evaluation index value is low, a worse credit service product is delivered to the target user".

For example, in one example, the product determination module 802 may be configured to: when the credit evaluation index value is greater than or equal to a preset threshold value, determining that a first credit service product is a target credit service product pre-released by the target merchant; the right provided by the first credit service product is better than the right provided by the appointed historical credit service product, and/or the performing behavior corresponding to the first credit service product is less than the performing behavior corresponding to the appointed historical credit service product.

As yet another example, in another example, the product determination module 802 can be configured to: when the credit evaluation index value is smaller than a preset threshold value, determining a second credit service product as a target credit service product pre-released by the target merchant; wherein, the right provided by the second credit service product is inferior to the right provided by the appointed historical credit service product, and/or the performing behavior corresponding to the first credit service product is more than the performing behavior corresponding to the appointed historical credit service product.

A contract generating module 803, configured to generate an electronic contract for delivering the target credit service product based on a preset electronic contract template, where the electronic contract includes the interest provided by the target credit service product and a performing action that needs to be performed by the target user after enjoying the interest.

It can be understood that after the contract generating module 803 obtains the preset electronic contract template, the preset electronic contract template is filled with the related rights and interests provided by the target credit service product and the performing behavior that the target user is expected to complete, and the electronic contract can be generated.

And a contract delivery module 804, configured to deliver the electronic contract to the client where the target user is located.

As an example, contract placement module 804 may be configured to: and delivering the electronic contract to the client of the target user through an electronic contract platform provided by the client of the target user.

According to the device 800 for delivering credit service products provided by the embodiment of the specification, because the target credit service products are delivered to the client where the target users are located in the form of the electronic contract, and the electronic contract includes the rights and interests provided by the target credit service products and the performing behaviors which need to be executed by the target users after enjoying the rights and interests, an entrance for continuously maintaining the credit service products can be provided for the target users, so that the target users can intuitively sense the performing life cycle of the target users, the target users are more willing to use the target credit service products, and further the increase of the client traffic of the target merchants becomes more likely.

Optionally, as shown in fig. 9, an apparatus 800 for delivering a credit service product provided in an embodiment of the present specification may further include:

a contract validation module 805, configured to validate the electronic contract in response to a triggering operation of the electronic contract by the target user after receiving the electronic contract.

Further, as shown in fig. 10, an apparatus 800 for delivering a credit service product provided by an embodiment of the present specification may further include:

a rights offer module 806 for offering rights specified in the electronic contract to the target user.

A performing behavior monitoring module 807, configured to monitor a performing behavior of the target user on the electronic contract, so as to obtain performing data. And then triggers the decision block 808 and/or the fulfillment data feedback block 811.

A determining module 808, configured to determine whether the target user completes a performing behavior specified in the electronic contract based on the performing data; if so, the trigger continue provision module 809 is executed, otherwise the trigger retraction module 810 is executed.

Optionally, the electronic contract further includes a time limit of a performance action that needs to be completed by the target user after enjoying the right, and the determining module 808 is specifically configured to: determining whether the target user completes the performance behavior specified in the electronic contract within the time limit based on the performance data and the time at which the performance data was generated.

A continuing providing module 809 for continuing to provide the target user with the rights specified in the electronic contract.

A reclaiming module 810 for reclaiming the rights provided to the target user.

Due to the device 800 for delivering credit service products provided by the embodiment of the present disclosure, it may be determined whether the target user performs the specified performance, and in a case that the target user does not perform the specified performance, the merchant may be helped to recover the corresponding rights and interests so as to avoid loss to the merchant.

A fulfillment data feedback module 811, configured to feed back the fulfillment data to a credit administration platform of the target user, where the fulfillment data is used for the credit administration platform to update a credit evaluation index value of the target user.

Due to the device 800 for releasing credit service products provided by the embodiment of the present specification, the credit supervision platform may continuously update the credit evaluation index value of the target user based on new performance data, so that the target merchant may more purposefully or more specifically determine the target credit service product to be released according to the credit evaluation index value of the target user, thereby bringing more opportunities for increasing the customer traffic of the target merchant.

In summary, the apparatus 800 for delivering credit service products provided by the embodiments of the present specification, by delivering the target credit service products provided by the target merchant to the target user in the form of an electronic contract, is more likely to match the target user and the target merchant to achieve a transaction, thereby increasing the customer traffic of the target merchant.

The above is a description of an apparatus for delivering a credit service product, which is applied to a terminal device or a server of a target merchant according to the present specification, and the following is a description of an apparatus for delivering a credit service product, which is applied to a terminal device of a target user.

It should be noted that the device 800 for releasing a credit service product can implement the method in the embodiment of the method in fig. 2, and specific reference may be made to the method for releasing a credit service product in the embodiment shown in fig. 2, which is not described again.

As shown in fig. 11, an embodiment of the present specification provides an apparatus 1100 for delivering credit service products, which can be applied to the user terminal 102 shown in fig. 1, and in a software implementation, the apparatus 1100 for delivering credit service products can include: a first receiving module 1101.

A first receiving module 1101, configured to receive an electronic contract issued by a target merchant.

In one example, the first receiving module 1101 may be specifically configured to: and receiving and displaying the electronic contract released by the target merchant through a preset electronic contract platform. The preset electronic contract platform is embedded in a client installed on a terminal device where a target user is located and used for executing the method.

In the apparatus 1100 for delivering a credit service product provided by the embodiment of the present specification, since the target credit service product delivered by the target merchant is received in the form of an electronic contract, and the electronic contract includes the interest provided by the target credit service product and the performing action that the target user needs to perform after enjoying the interest, an entry for continuously maintaining the credit service product can be provided for the target user, so that the target user can intuitively sense the performing life cycle of the target user, and thus the target user is more willing to use the target credit service product, and further, the increase of the customer traffic of the target merchant is more likely.

Further, as shown in fig. 12, another apparatus 1100 for delivering a credit service product provided in an embodiment of the present specification may further include:

a second receiving module 1102, configured to receive a trigger operation of the target user on the displayed electronic contract, so as to enable the electronic contract to be effective.

Further, as shown in fig. 12, another apparatus 1100 for delivering a credit service product provided in the embodiment of the present disclosure may further include:

a first response module 1103, configured to respond to an operation of the target user for obtaining the rights and interests specified in the electronic contract, so that the target user enjoys the rights and interests.

A second response module 1104, configured to receive a performance behavior made by the target user for the electronic contract, and generate performance data.

A third receiving module 1105, configured to feed back the fulfillment data to the target merchant, so that the target merchant feeds back the fulfillment data to a credit administration platform of the target user, where the fulfillment data is used for the credit administration platform to update the credit evaluation index value of the target user.

Due to the device 1100 for releasing credit service products provided by the embodiment of the present specification, the credit supervision platform can continuously update the credit evaluation index value of the target user based on new performance data, so that the target merchant can more purposefully or more specifically determine the target credit service product to be released according to the credit evaluation index value of the target user, thereby bringing more opportunities for increasing the customer traffic of the target merchant.

It should be noted that the apparatus 1100 for releasing a credit service product can implement the method of the embodiment of the method in fig. 5, and specific reference may be made to the method for releasing a credit service product in the embodiment shown in fig. 5, which is not described again.

While certain embodiments of the present disclosure have been described above, 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 embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of the present disclosure. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of the present disclosure should be included in the scope of protection of one or more embodiments of the present disclosure.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Claims

1. A method of delivering a credit service product, the method comprising:

delivering the electronic contract to a client of the target user;

responding to the triggering operation of the target user on the electronic contract after receiving the electronic contract, and taking the electronic contract into effect;

providing the target user with the rights specified in the electronic contract;

monitoring the performance behavior of the target user on the electronic contract to obtain performance data;

determining, based on the fulfillment data, whether the target user completes a fulfillment behavior specified in the electronic contract;

if so, continuing to provide the target user with the rights specified in the electronic contract;

if not, the rights provided to the target user are reclaimed.

2. The method of claim 1, wherein the obtaining a credit assessment index value for a target user comprises:

and obtaining the credit evaluation index value of the target user from a credit supervision platform of the target user under the condition of authorization of the target user.

3. The method of claim 1, wherein the delivering the electronic contract to the client at which the target user is located comprises:

and delivering the electronic contract to the client of the target user through an electronic contract platform provided by the client of the target user.

4. The method of claim 1, further comprising a time limit for a performance activity that the target user needs to complete after enjoying the interest, wherein the determining whether the target user completes the performance activity specified in the electronic contract based on the performance data comprises:

determining whether the target user completes the performance behavior specified in the electronic contract within the time limit based on the performance data and the time at which the performance data was generated.

5. The method of claim 1, further comprising:

and feeding back the performance data to a credit supervision platform of the target user, wherein the performance data is used for updating a credit evaluation index value of the target user by the credit supervision platform.

6. The method according to any one of claims 1-5, wherein the determining a target credit service product pre-placed by a target merchant based on the credit evaluation metric value comprises:

when the credit evaluation index value is greater than or equal to a preset threshold value, determining that a first credit service product is a target credit service product pre-released by the target merchant; wherein the right provided by the first credit service product is better than the right provided by the appointed historical credit service product, and/or the performing behavior corresponding to the first credit service product is less than the performing behavior corresponding to the appointed historical credit service product;

when the credit evaluation index value is smaller than a preset threshold value, determining a second credit service product as a target credit service product pre-released by the target merchant; wherein the second credit service product provides an advantage that is inferior to an advantage provided by a specific historical credit service product, and/or the first credit service product has more performing behaviors than the specific historical credit service product.

7. A method of delivering a credit service product, the method comprising:

receiving an electronic contract issued by a target merchant;

the electronic contract is used for releasing a target credit service product to a target user, the electronic contract comprises an interest provided by the target credit service product and a performance behavior which needs to be executed by the target user after enjoying the interest, the electronic contract is generated based on a preset electronic contract template, the target credit service product is determined by the target merchant based on a credit evaluation index value of the target user, and the credit evaluation index value is determined based on performance data formed by the target user by using historical credit service products;

receiving a triggering operation of the target user on the displayed electronic contract so as to enable the electronic contract to take effect;

responding to the operation that the target user acquires the rights and interests specified in the electronic contract, so that the target user enjoys the rights and interests;

receiving a performance behavior made by the target user aiming at the electronic contract, and generating performance data;

feeding back the fulfillment data to the target merchant, so that the target merchant determines whether the target user completes the fulfillment behavior specified in the electronic contract based on the fulfillment data, and if so, continues to provide the interest specified in the electronic contract to the target user, and if not, withdraws the interest provided to the target user.

8. The method of claim 7, wherein the first and second light sources are selected from the group consisting of,

wherein, the receiving the electronic contract issued by the target merchant comprises:

and receiving and displaying the electronic contract released by the target merchant through a preset electronic contract platform.

9. The method of claim 7, further comprising:

feeding back the fulfillment data to the target merchant, so that the target merchant feeds back the fulfillment data to a credit supervision platform of the target user, wherein the fulfillment data is used for the credit supervision platform to update the credit evaluation index value of the target user.

10. An apparatus for delivering a credit service product, the apparatus comprising:

the contract releasing module is used for releasing the electronic contract to the client of the target user;

the contract validation module is used for responding to the triggering operation of the target user on the electronic contract after receiving the electronic contract and validating the electronic contract;

a rights offering module that offers rights specified in the electronic contract to the target user;

the performance behavior monitoring module is used for monitoring the performance behavior of the target user on the electronic contract to obtain performance data;

the judging module is used for determining whether the target user completes the performance behaviors specified in the electronic contract or not based on the performance data;

if so, triggering a continuous providing module to continuously provide the rights and interests specified in the electronic contract to the target user;

if not, triggering a retraction module to retract the rights provided to the target user.

11. An apparatus for delivering credit service products, applied to a client of a user, the apparatus comprising:

the second receiving module is used for receiving the triggering operation of the target user on the displayed electronic contract so as to enable the electronic contract to take effect;

a first response module, which responds to the operation that the target user obtains the rights and interests specified in the electronic contract, so that the target user enjoys the rights and interests;

the second response module is used for receiving the performance behavior of the target user aiming at the electronic contract and generating performance data;

a third receiving module, configured to feed back the fulfillment data to the target merchant, so that the target merchant determines, based on the fulfillment data, whether the target user completes the fulfillment behavior specified in the electronic contract, and if so, continues to provide the interest specified in the electronic contract to the target user, and if not, recovers the interest provided to the target user.

12. An electronic device, comprising:

a processor; and

delivering the electronic contract to a client of the target user;

providing the target user with the rights specified in the electronic contract;

if not, the rights provided to the target user are reclaimed.

13. A computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:

delivering the electronic contract to a client of the target user;

providing the target user with the rights specified in the electronic contract;

if not, the rights provided to the target user are reclaimed.

14. An electronic device, comprising:

a processor; and

receiving an electronic contract issued by a target merchant;

15. A computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:

receiving an electronic contract issued by a target merchant;