CN110910211B

CN110910211B - Credit updating method and device

Info

Publication number: CN110910211B
Application number: CN201911126372.8A
Authority: CN
Inventors: 林晨
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-11-18
Filing date: 2019-11-18
Publication date: 2022-06-17
Anticipated expiration: 2039-11-18
Also published as: CN110910211A

Abstract

The present specification provides a credit update method and apparatus, wherein the credit update method includes: receiving a replenishment request for performing performance replenishment for a historical credit contract for which performance is not completed; generating a supplementary credit contract having a binding relationship with the historical credit contract based on the supplementary request, wherein the supplementary credit contract comprises a performance item of incomplete performance of the historical credit contract; obtaining performance information of a counterparty of the historical credit contract performing performance on the performance item included in the supplementary credit contract; and generating a positive credit record corresponding to the negative credit record of the historical credit contract and updating the credit record of the losing party under the condition that the completion degree of the contracting party aiming at the performing item reaches a completion degree threshold value according to the performing information.

Description

Credit updating method and device

Technical Field

The present disclosure relates to the field of credit management technologies, and in particular, to a credit updating method. The present specification also relates to a credit update apparatus, a computing device, and a computer-readable storage medium.

Background

With the development of internet technology, various credit services are more and more, users can loan, rent cars or rent objects according to credit, and the like, and the users only need to accord with the lease right enjoyed by the current credit in the lease process, so that the needed articles can be leased.

In the prior art, a platform or a merchant for renting an item by a user usually recommends a rental term and an item which can be rented by the user for the user according to the credit state of the user, if the user does not return the item within the rental term, the credit of the user is reduced, or the user requests to pay overtime rent to the item which is not returned on time, at the moment, a credit record which is not normally performed is recorded in a credit account of the user, and the credit record influences the credit information of the user; if the user still records the credit records of the abnormal performance in the credit account when the abnormal performance occurs due to unavoidable reasons, the experience effect of the user will be reduced, and a scheme for repairing the credit is urgently needed to eliminate the credit records of the abnormal performance by the user.

Disclosure of Invention

In view of this, the embodiments of the present disclosure provide a credit updating method. The present specification also relates to a credit update apparatus, a computing device, and a computer-readable storage medium to address technical deficiencies in the prior art.

According to a first aspect of embodiments of the present specification, there is provided a credit update method, including:

receiving a replenishment request for performing fulfillment replenishment of a historical credit contract for which fulfillment is incomplete;

generating a supplementary credit contract having a binding relationship with the historical credit contract based on the supplementary request, wherein the supplementary credit contract comprises a performance item of incomplete performance of the historical credit contract;

obtaining performance information of a counterparty of the historical credit contract performing performance on the performance item included in the supplementary credit contract;

and generating a positive credit record corresponding to the negative credit record of the historical credit contract and updating the credit record of the losing party under the condition that the completion degree of the contracting party aiming at the performing item reaches a completion degree threshold value according to the performing information.

Optionally, after the step of receiving a replenishment request for performing fulfillment of a historical credit contract for incomplete fulfillment is executed, and before the step of generating a replenishment credit contract having a binding relationship with the historical credit contract based on the replenishment request, the step of including fulfillment items of incomplete fulfillment of the historical credit contract in the replenishment credit contract is executed, the method further includes:

identifying a contract type of the historical credit contract according to contract information of the historical credit contract;

determining a replenishment deadline for the historical credit contract based on the contract type and determining a replenishment time to receive the replenishment request;

and in the case that the replenishment time does not exceed the replenishment period, executing the step of generating a replenishment credit contract having a binding relationship with the historical credit contract based on the replenishment request, wherein the replenishment credit contract comprises a performance item step of incomplete performance of the historical credit contract.

Optionally, after the step of generating a positive credit record corresponding to the negative credit record of the historical credit contract and performing the updating step on the credit record of the losing party is performed when it is determined that the completion degree of the performance of the losing party with respect to the performance item reaches the completion degree threshold according to the performance information, the method further includes:

determining that the negative credit record is in an adjustable stage, and adding the negative credit record to a record template in the adjustable stage, wherein positive credit records and/or negative credit records corresponding to all credit contracts within a replenishment period are recorded in the record template;

deleting the negative credit records of the historical credit contracts in the record template according to the positive credit records of the historical credit contracts;

and under the condition that the replenishment period is over, updating the credit records of the disappointing party according to the positive credit records and/or the negative credit records corresponding to all the credit contracts except the negative credit records in the record template.

Optionally, the generating supplementary credit contracts having a binding relationship with the historical credit contracts based on the supplementary request includes:

determining the item type of a credit item of the historical credit contract according to the performance item, wherein the item type is a behavior item type or a leasing item type;

selecting a supplementary contract template according to the project type and the performance item;

establishing a binding relationship of the supplementary contract template to the historical credit contract, and generating the supplementary credit contract based on the supplementary request and the supplementary contract template having a binding relationship to the historical credit contract.

Optionally, in a case that the item type is the action item type, the obtaining of the performance information that the contracting party of the historical credit contract performs performance on the performance item included in the supplementary credit contract includes:

determining historical contract terms and supplementary contract terms corresponding to the performance items contained in the supplementary credit contract;

acquiring historical fulfillment information of the contracting party performing fulfillment on the historical contract terms corresponding to the fulfillment items and supplementary fulfillment information of the contracting party performing fulfillment on the supplementary contract terms corresponding to the fulfillment items;

and integrating the historical performance information and the supplementary performance information, and taking the integrated result as the performance information.

Optionally, in a case that the item type is the rental item type, the obtaining of the performance information of performing performance by the loser of the historical credit contract with respect to the performance item included in the supplementary credit contract includes:

determining a supplementary contract term corresponding to the performance item included in the supplementary credit contract;

and acquiring supplementary fulfillment information of fulfilling the supplementary contract terms corresponding to the fulfillment items by the contracting-losing party, and taking the supplementary fulfillment information as the fulfillment information.

Optionally, the generating a positive credit record corresponding to a negative credit record of the historical credit contract and updating the credit record of the losing party in a case that it is determined that the completion degree of the performance of the losing party with respect to the performance item reaches a completion degree threshold according to the performance information includes:

determining a historical fulfillment, in accordance with the historical fulfillment information, of the performance of the contracting party on the historical contract terms, and determining a supplemental fulfillment, in accordance with the supplemental fulfillment information, of the performance of the contracting party on the supplemental contract terms;

calculating the average completion degree of the historical fulfillment completion degree and the supplementary fulfillment completion degree, and taking the average completion degree as the fulfillment completion degree;

and generating the positive credit record and updating the credit record of the disappointing party under the condition that the completion degree average value reaches the completion degree threshold value.

Optionally, the receiving a replenishment request for performing performance replenishment on the incomplete performing historical credit contract includes:

receiving a loss-of-contract replenishment request for performing a performance replenishment on the historical credit contract for which the loss-of-contract party performs incomplete performance, and a conservation replenishment request for performing a performance replenishment on the historical credit contract for which the performance is not completed by a practice-keeper party for the historical credit contract;

identifying the loss and replenishment time corresponding to the loss and replenishment request and the conservation and replenishment time corresponding to the conservation and replenishment request;

calculating a first difference value between the loss replenishment time and the establishment time of the historical credit contract and a second difference value between the conservation replenishment time and the establishment time, and comparing the first difference value with the second difference value;

taking the loss of contract supplementary request submitted by the loss of contract party as the supplementary request when the first difference is smaller than the second difference;

and taking the reservation replenishment request submitted by the depositor as the replenishment request when the first difference is larger than the second difference.

Optionally, in a case where the loss-of-contract replenishment request submitted by the loser is the replenishment request, the generating a replenishment credit contract having a binding relationship with the historical credit contract based on the replenishment request includes:

generating a supplementary issue order having a binding relation with the historical credit contract according to the loss offer supplementary request, and sending the supplementary issue order to the client;

generating the supplementary credit contract having a binding relationship with the historical credit contract if it is determined that the reseller signed the supplementary issue order.

Optionally, in a case where the reservation replenishment request submitted by the depositor is the replenishment request, the generating a replenishment credit contract having a binding relationship with the historical credit contract based on the replenishment request includes:

generating a supplementary issue order having a binding relation with the historical credit contract according to the saving supplementary request, and sending the supplementary issue order to the loser;

generating the supplementary credit contract having a binding relationship with the historical credit contract if it is determined that the irreducible party signed the supplementary issue order.

extracting a contract number of the historical credit contract;

creating a sub-contract number according to the contract number, wherein the contract number and the sub-contract number have a binding relationship;

generating the supplementary credit contract based on the supplementary request and assigning the sub-contract number to the supplementary credit contract.

According to a second aspect of embodiments of the present specification, there is provided a credit update apparatus including:

a receive replenishment request module configured to receive a replenishment request for performing replenishment of a historical credit contract for incomplete performance;

generating a supplementary credit contract module configured to generate a supplementary credit contract having a binding relationship with the historical credit contract based on the supplementary request, the supplementary credit contract including a performance item for incomplete performance of the historical credit contract;

an obtaining fulfillment information module configured to obtain fulfillment information that a losing party of the historical credit contract performs fulfillment on the fulfillment items included in the supplementary credit contract;

and the updating credit record module is configured to generate a positive credit record corresponding to the negative credit record of the historical credit contract and update the credit record of the losing party under the condition that the completion degree of the performance of the losing party for the performance item reaches a completion degree threshold value according to the performance information.

According to a third aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory to store computer-executable instructions, the processor to execute the computer-executable instructions:

obtaining performing information of performing by a losing party of the historical credit contract on the performing item included in the supplementary credit contract;

According to a fourth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of any one of the credit update methods.

The credit updating method provided by the specification receives a supplement request for performing performance supplement aiming at a historical credit contract which does not perform performance; generating a supplementary credit contract having a binding relationship with the historical credit contract based on the supplementary request, wherein the supplementary credit contract comprises a performance item of incomplete performance of the historical credit contract; obtaining performance information of a counterparty of the historical credit contract performing performance on the performance item included in the supplementary credit contract; and generating a positive credit record corresponding to the negative credit record of the historical credit contract and updating the credit record of the losing party under the condition that the completion degree of the contracting party aiming at the performing item reaches a completion degree threshold value according to the performing information.

In the embodiment of the specification, when the historical credit contract with incomplete performance exists, the historical credit contract with incomplete performance can be repaired, that is, by generating a supplementary credit contract with a binding relationship with the historical credit contract, and when a losing party performs performance on the supplementary credit contract, generating a positive credit record corresponding to a negative credit record of the historical credit contract, and updating the credit record of the losing party according to the positive credit record, the negative influence related to the negative credit record in the credit record of the losing party can be eliminated, so that the repair of the credit relationship between the losing party and the conserving party is promoted.

Drawings

FIG. 1 is a flow chart of a credit update method provided in an embodiment of the present disclosure;

FIG. 2 is a flowchart illustrating a credit update method applied to a credit equity item according to an embodiment of the present disclosure;

FIG. 3 is a schematic structural diagram of a credit update apparatus according to an embodiment of the present disclosure;

fig. 4 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be implemented in many ways other than those specifically set forth herein, and those skilled in the art will appreciate that the present description is susceptible to similar generalizations without departing from the scope of the description, and thus is 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 referred to in one or more embodiments of the present specification are explained.

And (3) credit contract: the method is characterized in that two or more parties agree on the use of a certain service based on credit, namely, the two or more parties achieve 'authority', 'responsibility' and 'interest', and each party achieving the agreement reserves an agreed agreement datum; for example, a consensus of book borrowing and returning based on credit is achieved between the library and the users, a consensus of a plurality of users on participation in a public welfare project under the credit constraint is achieved, or a consensus of money borrowing and returning or article borrowing and returning is achieved between the users on the premise that credit is used as a mortgage;

wherein, the right defines the right enjoyed by one party and can also be understood as the action that the other party needs to perform, such as returning borrowed books, participating in the public interest items which are promised to participate, returning borrowed money or articles, etc. according to the appointed mode;

"liability" defines the liability of the breach that the breaching party needs to undertake, such as recording the breach incident in the breach party's credit, reducing the breach party's credit score, or making fines to the breach party, etc.;

the "profit" defines the benefit or reward that the performing party can obtain, for example, the user who successfully returns the borrowed book will raise his/her credit score through this credit book borrowing behavior, the user who successfully participates in the public good item by agreement can obtain a credit-based reward, the user who successfully returns the borrowed money or the borrowed article can obtain the amount of the defaulting party's payment, etc.

In the present specification, a credit update method is provided, and the present specification relates to a credit update apparatus, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments one by one.

Fig. 1 shows a flowchart of a credit update method provided in an embodiment of the present specification, which includes steps 102 to 108.

Step 102: a replenishment request is received to perform a fulfillment offer for an incomplete fulfilling historical credit contract.

In one embodiment of the present specification, the historical credit contract refers to a credit contract established based on credit terms, where a credit term refers to a term in which a service is obtained by mortgage of credit, and a constraint on parties obtaining the service is realized by punishing or rewarding credit of the parties obtaining the service; for example, the credit items may include a credit loan item, a credit public interest item, or a credit rental item.

For example, in a credit book borrowing project, a library rents a book to a user on the basis of own credit, the user borrows the book to the library on the basis of own credit, in the process of renting and borrowing the book, the library and the user take part of the credit of the library and the user as a mortgage, the part of the credit is embodied in the form of credit points in a credit account, the situation of performing contract between the library and the user can be rewarded, the situation of default contract between the library and the user can be punished, and the project established on the basis of the credit mechanism is the credit book borrowing project.

And, there are sending party and contracting party in the said historical credit contract, sending party is the party who sends the issue order, through sending the issue order to the contracting party, request should contract party carry on signature on issue order, and turn into the said credit contract; the contracting party refers to a party receiving the contracting order, the contracting order is generated by receiving the contracting order and signing on the contracting order, and the signature of the contracting party exist on the contracting order, so that the contracting order can be determined as the credit contract; wherein the issue order is made by the issuing party by making an agreement with a credit platform, the credit platform providing the issuing party with a credit contract template, the issuing party generating the issue order by signing on the credit contract template.

Based on this, the historical credit contract specifically refers to a credit contract corresponding to a credit item which has exceeded the contract completion limit, and when the user performs the performance completion on the historical credit contract, the user will receive a credit reward, and when the user does not perform the performance on the historical credit contract, the user will receive a credit penalty, which will negatively affect the credit of the user, and when the user receives a negative effect from the credit penalty, the user will be restricted from participating in the credit item through the credit.

In the credit updating method provided by the specification, in order to reduce the influence of the negative credit record of the historical credit contract which does not complete performing on the credit of the losing party, the losing party can complete the supplementary credit contract items through performing by adding the supplementary credit contract to generate the positive credit record corresponding to the negative credit record, and the influence of the negative credit record of the historical credit contract can be eliminated by updating the positive credit record into the credit record of the losing party, so that the restoration of the credit relationship between the losing party and the conserving party is effectively promoted.

In a specific implementation, the losing party is specifically a party who does not complete performing for the historical credit contract, and the conserving party is specifically a party who completes performing for the historical credit contract; based on this, in the process of receiving the supplement request, the supplement request can be submitted by a loser or a saver; in the event that the offeror submits the replenishment request, indicating that the offeror needs to eliminate negative credit records; in the event that the reseller submits the replenishment request, indicating that the reseller needs to obtain credit rewards awarded for completing historical credit contracts, the reseller may submit the replenishment request inviting the losing party to subsequent performance.

In the process of receiving the replenishment request, a situation that both the disappointing party and the conserving party submit the replenishment request may occur, and in one or more embodiments of this embodiment, the replenishment request may be determined based on the submission time of the submitted replenishment request, which is specifically implemented as follows:

calculating a first difference between the loss replenishment time and the establishment time of the historical credit contract and a second difference between the conservation replenishment time and the establishment time, and comparing the first difference and the second difference;

Specifically, a loss-of-contract replenishment request submitted by the loss-of-contract party and a conservation-of-contract replenishment request submitted by the conservation party are received, the loss-of-contract replenishment time corresponding to the loss-of-contract replenishment request and the conservation-of-contract replenishment time corresponding to the conservation-of-contract replenishment request are determined by respectively identifying the replenishment time of the loss-of-contract replenishment request and the replenishment time of the conservation-of-contract replenishment request, the establishment time of the historical credit contract is determined, the difference between the loss-of-contract replenishment time and the conservation-of-contract replenishment time and the establishment time is calculated, and then the replenishment request corresponding to the party with the smaller difference is selected as the replenishment request.

For example, the loss and replenishment time of the loss and replenishment request submitted by the loss party is 13:00 in 2019, month 1 and day 1, the conservation and replenishment time of the conservation and replenishment request submitted by the conservation party is 13:30 in 2019, month 1 and day 1, and the establishment time of the historical credit contract is 10:00 in 2019, month 1 and day 9, the difference corresponding to the loss and replenishment request is determined to be 3 hours by calculation, and the difference corresponding to the conservation and replenishment request is 3.5 hours, so that the loss and replenishment request can be determined to be the replenishment request, and the subsequent credit updating process is performed.

By selecting the loss-of-contract supplement request or the conservation-of-contract supplement request as the supplement request in a time difference calculation mode, the fact that the supplement request submitted first can be accurately selected for subsequent credit updating under the condition that both the loss-of-contract party and the conservation party submit the supplement requests is achieved, and the situation that both the loss-of-contract party and the conservation party submit the supplement requests and cannot normally generate the supplement credit contract is avoided.

On the basis of receiving the replenishment request, further, in one or more embodiments of this embodiment, in order to avoid the situation that negative credit records in the historical credit contract are eliminated at will, a replenishment period needs to be set, and only the historical credit contract within the replenishment period can be subjected to subsequent generation of a replenishment credit contract, which is specifically implemented as follows:

Specifically, the replenishment period refers to a replenishment credit contract which can be generated for the historical credit contract within a set time range, and different contract types of the historical credit contract correspond to different replenishment periods, wherein the contract type is specifically determined by credit items corresponding to the historical credit contract, the higher credit importance degree in the credit items corresponding to the historical credit contract is, the shorter the replenishment period is, and conversely, the lower the credit importance degree in the credit items corresponding to the historical credit contract is, the longer the replenishment period is;

on the basis of the above, in the case that the replenishment period of the historical credit contract is determined according to the contract type, it is necessary to judge whether the replenishment time of the replenishment request exceeds the replenishment period, and in the case that the replenishment time exceeds the replenishment period, it is indicated that the negative credit record of the historical credit contract cannot be eliminated without any processing; if the replenishment time does not exceed the replenishment period, indicating that the negative credit records of the historical credit contract can be eliminated, step 104 may be performed.

In practical applications, the replenishment period corresponding to different contract types may be determined according to the item type of the credit item, for example, in the credit run 3-hour item and the credit borrowing item, the credit run 3-hour item belongs to the credit public interest item, the credit borrowing item belongs to the credit lease item, no property is involved in the credit run 3-hour item, and a property is involved in the credit borrowing item, a longer replenishment period may be set for the credit run 3-hour item when the replenishment period is set, and a shorter replenishment period may be set for the credit borrowing item, and the replenishment period may be determined according to a practical application scenario, which is not limited in this specification.

Step 104: generating a supplementary credit contract having a binding relationship with the historical credit contract based on the supplementary request, wherein the supplementary credit contract comprises the performance items of incomplete performance of the historical credit contract.

Specifically, after receiving the replenishment request, on the basis of determining that the negative credit record of the historical credit contract can be eliminated, further, generating a replenishment credit contract having a binding relationship with the historical credit contract according to the replenishment request, where the binding relationship specifically means that a positive credit record generated subsequently for the replenishment credit contract is eliminated from the negative credit record, and therefore, the binding relationship can be realized only when the historical credit contract and the replenishment credit contract have an association relationship;

on the basis, the supplementary credit contract is generated by extracting the incomplete performing matters in the historical credit contract, the supplementary credit contract comprises the performing matters, it needs to be noted that after the supplementary credit contract is generated, only the losing party needs to perform performing on the supplementary credit contract, and at this time, the performing information related to the conserving party in the historical credit contract can be directly synchronized to the supplementary credit contract, so that the effect on the conserving party is avoided.

For example, the historical credit contract is a credit borrowing contract corresponding to a credit borrowing item, the user borrows 5 books in a library, only 4 books are returned to the library when a book return deadline is over, one book is not returned, the user does not complete the performance of the credit borrowing contract, the credit score of the user is reduced at the moment, in this case, the user can submit a supplement request to repair the credit borrowing contract which does not complete the performance before the credit score is reduced, the incomplete performance item in the credit borrowing contract is extracted at the moment, the user is determined not to return 1 book, a supplement credit contract is generated according to the incomplete performance item, and the contract content in the supplement credit contract is returned to 1 book within 30 days.

On the basis of receiving the replenishment request, in one or more embodiments of this embodiment, the replenishment credit contract may also be generated according to the item type of the credit item of the historical credit contract, and the specific implementation manner is as follows:

Specifically, the item type is the action item type or a lease item type, wherein the action item type may include a credit running item, a credit tree planting item, a credit donation item, and the like, the lease item type may include a credit loan item, a credit car rental item, a credit loan item, and the like, and when the supplementary credit contract is generated, different supplementary credit contracts are generated according to different item types.

In practical applications, when the item type of the credit item is the action item type, the generated supplementary credit contract needs to perform more action actions to complete the performance when the losing party performs the performance for the losing party, for example, when the credit item of the historical credit contract is a credit running 1 hour item, and when the user does not complete the historical credit contract, the user submits a supplement request within a supplement time limit, it is determined that the credit running 1 hour item is the action item type, and when the contract term of the generated supplementary credit contract is running 2 hours, the supplementary credit contract can be completed, and when the user runs more than 2 hours, the supplementary credit contract can be considered to be completed;

in the case that the item type of the credit item is a rental item type, when the contracting party performs the contract, the generated supplementary credit contract requires that the contracting party actively returns unreturned items to determine that the contract is completed, for example, when the credit item of the historical credit contract is a credit loan item, and the user does not complete the historical credit contract, the user does not return the book, and submits the supplement request within the supplement time limit, and at this time, the credit loan item is determined to be the rental item type, and the contract term of the generated supplementary credit contract may be that the supplementary credit contract is completed by returning all the books within 3 days, and when the user returns all the books within 3 days, the supplementary credit contract is considered to be completed.

Based on this, after determining the item type of the credit item, a supplementary contract template is selected according to the item type and the performance item, the supplementary contract template is established in advance, and different supplementary contract templates are established for different credit items; after selecting the supplementary contract template, a binding relationship between the supplementary contract template and the historical credit contract is established, wherein the binding relationship may be a contract number with an association, and the supplementary credit contract is established based on the supplementary request and the binding relationship.

The supplementary contract template is selected according to the item type of the credit item of the historical credit contract and the performance items of incomplete performance in the historical credit contract, so that the efficiency of generating the supplementary credit contract is improved, and the binding relationship between the supplementary contract template and the historical credit contract is established, so that the negative credit record needing to be eliminated can be accurately determined after the subsequent losing party completes the performance aiming at the supplementary credit contract, and the efficiency of updating the credit record of the losing party is improved.

In specific implementation, in the process of generating the supplementary credit contract, an issue list is generated according to a submitting party submitting the supplementary request, and the supplementary credit contract can be generated only by inviting another party to sign for the issue list, wherein the submitting party can be a contracting party or a losing party.

In one or more embodiments of this embodiment, when the loss-of-contract replenishment request submitted by the loss-of-contract party is the replenishment request, the replenishment credit contract is generated based on the loss-of-contract replenishment request, which is specifically implemented as follows:

Specifically, before the supplementary credit contract is generated, the supplementary issue order having a binding relationship with the historical credit contract is generated through the loss-of-contract supplementary request, the supplementary issue order synchronizes contract contents related to the depositor in the historical credit contract and transmits the supplementary issue order to the depositor, and in the case that the depositor signs the supplementary issue order, the depositor is instructed to agree with the loser to perform a subsequent credit elimination action, and based on this, the supplementary issue order is signed according to the depositor, and the supplementary credit contract having a binding relationship with the historical credit contract is generated.

In specific implementation, when the losing party actively submits the loss supplement request, it indicates that the losing party has a high interest degree on the credit records, and at this time, in order to promote the behavior of the losing party performing the performance on the supplementary credit contract, the reminding information aiming at the active performance behavior of the losing party can be sent to the contracting party, so that the credit repair of both the contracting party and the losing party can be promoted.

In one or more embodiments of this embodiment, when the reservation replenishment request submitted by the depositor is the replenishment request, the replenishment credit contract is generated based on the reservation replenishment request, which is specifically implemented as follows:

generating a supplementary contract issuing order having a binding relation with the historical credit contract according to the reservation supplementary request, and sending the supplementary contract issuing order to the disappointing party;

Specifically, before the supplementary credit contract is generated, the supplementary issue order having a binding relationship with the historical credit contract is generated through the proconvation supplementary request, the supplementary issue order synchronizes contract contents related to the disappointing party in the historical credit contract and transmits the supplementary issue order to the disappointing party, in the case that the disappointing party signs the supplementary issue order, the disappointing party is explained to approve the proconcing party to perform a subsequent credit elimination action, and the disappointing party also completes the supplementary credit contract in a positive fit manner, based on which, the supplementary issue order is signed by the disappointing party, and the supplementary credit contract having a binding relationship with the historical credit contract is generated.

In implementation, in a case that the contracting party does not perform on the historical credit contract, economic loss or credit loss of the contracting party may be caused, and in order to avoid this, the contracting party may actively repair the historical credit contract and re-invite the contracting party to perform on the supplementary credit contract, so as to reduce loss occurring in itself.

In particular implementation, in order to enable the historical credit contract and the supplementary credit contract to establish a sufficiently robust association relationship, in one or more embodiments of this embodiment, a binding relationship of contract numbers may be established for the historical credit contract and the supplementary credit contract, and a specific implementation manner is as follows:

extracting a contract number of the historical credit contract;

the supplementary credit contract is generated on the basis of the supplementary request and the sub-contract numbers are assigned to the supplementary credit contract.

Specifically, after the contract number of the history credit contract is determined, a sub-contract number may be generated from the contract number, and after the supplementary credit contract is generated, the sub-contract number may be assigned to the supplementary credit contract, for example, the contract number of the history credit contract is 123456.1, where one digit after the decimal point may indicate the type of the credit contract, 1 may indicate a history credit contract, 2 may indicate a supplementary credit contract, and six digits before the decimal point of the supplementary credit contract are inherited to the history credit contract, that is, the contract number of the history credit contract is 123456.1, and the sub-contract number of the supplementary credit contract is 123456.2.

Step 106: obtaining fulfillment information for a counterparty of the historical credit contract to perform for the fulfillment items included in the supplementary credit contract.

Specifically, on the basis of generating the supplementary credit contract, the supplementary credit contract is established and completed, and the losing party of the historical credit contract needs to perform positive performance on the supplementary credit contract to realize subsequent elimination of the negative credit record;

on this basis, in case that the contracting party performs the contracting for the supplementary credit contract, the contracting information that the contracting party performs the contracting for the performing item included in the supplementary credit contract will be obtained, the performing information may be a specific case that the contracting party performs the contracting for the performing item, and the performing information may include a performing rate or performing behavior information, etc.

In particular implementation, in the case that the item type is the action item type, it indicates that the user needs more action actions to perform the performance on the supplementary credit contract, in one or more embodiments of this embodiment, in order to ensure fairness in credit items, upon completion of the supplementary credit contract by a losing party, no credit reward is being applied to the losing party and no credit penalty is being applied to the losing party, but since the contracting party may have a situation of completing the performance, the elimination of the negative credit record can be performed when the contracting party is required to perform both the supplementary credit contract and the historical credit contract, and the fairness of the credit project is ensured, and based on the fairness, the negative credit record can be eliminated only by performing double performance on the behavior project type by a contracting-losing party, and the specific implementation mode is as follows:

and integrating the historical fulfillment information and the supplementary fulfillment information, and taking the integrated processing result as the fulfillment information.

In practical applications, since the historical credit contract already belongs to a credit contract with incomplete performance, that is, when the supplementary credit contract is generated, both historical contract terms and supplementary contract terms are added to the supplementary credit contract, the historical contract terms are contract terms corresponding to the performance terms with incomplete performance of the disappointing party in the historical credit contract, the supplementary contract terms are contract terms with which the disappointing party needs to perform performance again for the performance event, and the historical contract terms and the supplementary contract terms may be the same contract terms, that is, when the user performs performance for the supplementary credit contract, the user needs to perform performance for the performance terms with incomplete performance in a double manner.

For example, in 1 hour of credit running, the user does not perform a performance on the credit contract corresponding to 1 hour of credit running, and in the case that a subsequent user bid replenishment request needs to replenish the credit contract corresponding to 1 hour of credit running, a replenishment credit contract is generated, and the historical contract term included in the replenishment credit contract may be 1 hour of running, and the replenishment contract term may be 1 hour of running, that is, the user needs to run for 2 hours to be able to eliminate the negative credit record corresponding to the unpaid historical credit contract.

When the item type is the action item type, the contracting party needs to perform multiple times of performing actions to complete the performance on the supplementary credit contract when performing the performance on the supplementary credit contract, thereby ensuring the fairness in the credit item and avoiding the situation that the contracting party performs default at will.

In a specific implementation, when the item type is the rental item type, it is described that the user is required to return the rented item in a short time to be able to complete performing on the supplementary credit contract, in one or more implementations of this embodiment, in order to avoid causing a loss of a depositor, a performing deadline for the supplementary credit contract may be adjusted, and a specific implementation manner is as follows:

In practical applications, in the case where the item type is the rental item type, the supplementary credit contract may be understood as a case where the fulfillment term of the historical credit contract is extended, that is, the supplementary credit contract is generated in such a manner that supplementary fulfillment information is used as the fulfillment information in the case where the user performs fulfillment for a supplementary contract term in the supplementary credit contract; the method and the device realize the reduction of the loss of the contracting party and further promote the restoring enthusiasm of the contracting party and the contracting party on the credit.

Step 108: and generating a positive credit record corresponding to the negative credit record of the historical credit contract and updating the credit record of the losing party under the condition that the completion degree of the contracting party aiming at the performing item reaches a completion degree threshold value according to the performing information.

Specifically, on the basis of obtaining the fulfillment information of the default party for the supplementary credit contract, further, a fulfillment degree of fulfillment performed by the default party for the fulfillment item is determined according to the fulfillment information, and when the fulfillment degree reaches the fulfillment degree threshold, it indicates that the default party has fulfilled fulfillment for the supplementary credit contract, at this time, a positive credit record corresponding to a negative credit record of the historical credit contract may be generated, and then the credit record of the default party may be updated according to the positive credit record.

Wherein the fulfillment degree is preferably set to 100%, and the negative credit record can be eliminated, i.e. the positive credit record is updated into the credit record of the losing party, only if the losing party completes fulfillment for all fulfillment items in the supplementary credit contract.

When the positive credit record is updated to the credit record of the disappointing party, the credit record of the credit account logged on the terminal equipment of the disappointing party is updated, and after the positive credit record is updated to the credit record of the credit account logged on the terminal equipment, the disappointing party can inquire the credit point change condition in the credit account through the terminal equipment to determine that the influence caused by the negative credit record is eliminated.

In a specific implementation, in a case that the supplementary credit contract includes the historical contract term and the supplementary contract term, the disappointing party may update the credit record of the disappointing party only when performing fulfillment on both the historical contract term and the supplementary contract term, in one or more embodiments of this embodiment, after performing fulfillment on both the historical contract term and the supplementary contract term, the disappointing party acquires the historical performance information and the supplementary performance information, and updates the credit record of the disappointing party based on the historical performance information and the supplementary performance information, which is implemented as follows:

determining a historical fulfillment degree for the contracting party to perform in respect of the historical contract terms according to the historical performance information, and determining a supplemental performance fulfillment degree for the contracting party to perform in respect of the supplemental contract terms according to the supplemental performance information;

calculating the completion degree average value of the historical performance completion degree and the supplementary performance completion degree, and taking the completion degree average value as the performance completion degree;

Specifically, a historical fulfillment degree of performing the fulfillment on the historical contract term by the contracting-losing party is determined according to the fulfillment information, and a supplementary fulfillment degree of performing the fulfillment on the supplementary contract term by the contracting-losing party is determined according to the supplementary fulfillment information, wherein the historical fulfillment degree is the fulfillment degree of performing the fulfillment on the historical contract term, and the supplementary fulfillment degree is the fulfillment degree of performing the fulfillment on the supplementary contract term;

further, an average of the supplementary fulfillment degree and the historical fulfillment degree is calculated, the average of the fulfillment degrees is used as the fulfillment degree of the losing party, and then the average of the fulfillment degrees is compared with the fulfillment degree threshold, when the average of the fulfillment degrees reaches the fulfillment degree threshold, it is indicated that the losing party has completed fulfillment for the supplementary credit contract, at this time, the positive credit record may be generated, and the credit record of the losing party may be updated.

For example, if the user does not perform a performance on the credit contract when the credit runs for 1 hour, a supplementary credit contract is generated, the supplementary credit contract includes history contract terms and supplementary contract terms, the content of the contract terms is 1 hour, the user obtains performance information including 100% of history performance completion and 100% of supplementary performance completion after performing a performance on the supplementary credit contract, it is determined by calculation that the performance completion of the user performing a performance on the supplementary credit contract is 100%, it is determined that the performance completion exceeds a completion threshold, a positive credit record may be generated for the credit contract that does not perform a performance, and the credit record of the user may be updated according to the positive credit record.

When the supplementary credit contract comprises the historical contract terms and the supplementary contract terms, and the contracting party is required to complete the performance of both the historical contract terms and the supplementary contract terms, the positive credit record can be generated to update the credit record of the contracting party, so that the influence of the negative credit record on the credit of the contracting party and the contracting party is reduced.

In addition, after updating the credit record of the losing party according to the positive credit record, the influence caused by the negative credit record is eliminated, for example, the original credit score of the user is 100 points, after a certain credit contract is violated, the credit score changes to 90 points, and then the subsequent user supplements the violated credit contract to generate the positive credit record, and the credit score of the user is updated to 100 points at the moment, so that the influence caused by the negative credit record of the credit contract which is not completed is eliminated.

Further, after updating the credit record of the losing party, the negative credit record may be in an adjustable stage, that is, the negative credit record is not completely updated to the credit record of the losing party, at this stage, the negative credit record may be eliminated, and when the credit record of the losing party is finally updated, other credit records after the negative credit record is eliminated may be updated, which is implemented as follows:

and in the case that the replenishment deadline is over, updating the credit records of the disappointing party according to the positive credit records and/or the negative credit records corresponding to all the credit contracts except the negative credit records in the record template.

In practical applications, the adjustable stage may be understood as a stage before the final credit record is updated, in which all the positive credit records and the negative credit records are recorded in the record template in the adjustable stage, and the record template corresponds to a replenishment deadline, and the disappointing party may delete the negative credit records within the replenishment deadline of this stage, and the deletion may be completed by generating the positive credit records for the negative credit records by the user, and in case of the completion of the replenishment deadline, the credit records of the disappointing party may be updated according to the positive credit records and/or the negative credit records corresponding to all the credit contracts in the record template except the negative credit records.

In the credit updating method provided by the present specification, by adding a supplementary credit contract, the losing party can complete supplementary credit contract items through performing to generate a positive credit record corresponding to the negative credit record, and by updating the positive credit record into the credit record of the losing party, the influence of the negative credit record of the historical credit contract can be eliminated, thereby effectively promoting the restoration of the credit relationship between the losing party and the conserving party.

The credit update method provided in the present specification is further described below with reference to fig. 2, taking the application of the credit update method in a credit equity project as an example. Fig. 2 is a flowchart illustrating a processing flow of a credit updating method applied to a credit public welfare project according to an embodiment of the present disclosure, where specific steps include step 202 to step 216.

Step 202: and receiving a supplement request submitted by a user aiming at the credit public service contract.

Specifically, in a certain credit public service project, a user agrees to conduct public service behaviors in a tree planting 10-piece mode to obtain credit rewards, the credit points of the user are deducted because the user has something in the midway and does not complete tree planting public service, the credit points need to be recovered, and at the moment, the user submits a supplement request.

Step 204: judging whether the supplement request exceeds the supplement time limit; if not, go to step 206; if yes, no processing is performed.

Step 206: and determining the item type of the credit public service item according to the incomplete performance items in the credit public service contract.

Step 208: a supplemental contract template is selected based on the item type.

Step 210: and establishing a binding relationship between the supplementary contract template and the credit public service contract, and generating the supplementary credit contract based on the binding relationship.

Specifically, it is agreed that the user needs 20 trees in the supplementary credit contract to be able to recover the credit points.

Step 212: and acquiring the performance information of performing by the user aiming at the supplementary credit contract.

Step 214: and generating a positive credit record corresponding to the negative credit record of the credit public service contract under the condition that the completion degree of the fulfillment of the user reaches the completion degree threshold value is determined according to the fulfillment information.

Step 216: the credit record of the user is updated according to the positive credit record.

Specifically, after the user plants 20 trees, it is determined that the user completes the supplementary credit contract, and at this time, a positive credit record is generated to update the credit record of the user, so as to restore the credit score of the user to the value before deduction.

In the credit updating method provided by the specification, by adding the supplementary credit contract, the user can generate the positive credit record corresponding to the negative credit record by completing the supplementary credit contract items through performing, and by updating the positive credit record into the credit record of the user, the influence of the negative credit record of the credit public service contract can be eliminated, so that the enthusiasm of performing of the user is effectively improved, and under the condition of forced default, the influence brought by the negative credit record can be eliminated, and the experience feeling of the user is further improved.

Corresponding to the above method embodiment, the present specification further provides an embodiment of a credit updating apparatus, and fig. 3 shows a schematic structural diagram of a credit updating apparatus provided in an embodiment of the present specification. As shown in fig. 3, the apparatus includes:

a receive replenishment request module 302 configured to receive a replenishment request for performing fulfillment of a historical credit contract for incomplete fulfillment;

generating a supplementary credit contract module 304 configured to generate a supplementary credit contract having a binding relationship with the historical credit contract based on the supplementary request, the supplementary credit contract including a performance item for incomplete performance of the historical credit contract;

an obtain fulfillment information module 306 configured to obtain fulfillment information that a losing party of the historical credit contract performs fulfillment on the fulfillment items included in the supplementary credit contract;

an update credit record module 308 configured to generate a positive credit record corresponding to a negative credit record of the historical credit contract and update the credit record of the losing party in case it is determined from the fulfillment information that the fulfillment completion of the losing party for the fulfillment item reaches a completion threshold.

In an optional embodiment, the credit update apparatus further includes:

a contract type identification module configured to identify a contract type of the historical credit contract based on contract information of the historical credit contract;

a determine replenishment deadline module configured to determine a replenishment deadline for the historical credit contract based on the contract type and determine a replenishment time to receive the replenishment request;

in the event that the replenishment time does not exceed the replenishment duration, the generate replenishment credit contract module 304 is executed.

In an optional embodiment, the credit update apparatus further includes:

an adding module configured to determine that the negative credit record is in an adjustable stage, and add the negative credit record to a record template in the adjustable stage, wherein positive credit records and/or negative credit records corresponding to all credit contracts within a replenishment period are recorded in the record template;

a deletion module configured to delete the negative credit records of the historical credit contracts in the record template according to the positive credit records of the historical credit contracts;

and the updating module is configured to update the credit records of the disappointing party according to the positive credit records and/or the negative credit records corresponding to all the credit contracts except the negative credit records in the record template under the condition that the replenishment period is over.

In an alternative embodiment, the generate supplemental credit contract module 304 includes:

a determining item type unit configured to determine an item type of a credit item of the historical credit contract according to the performance item, wherein the item type is an action item type or a lease item type;

a selection template unit configured to select a supplementary contract template according to the item type and the performance item;

a generate supplementary credit contract unit configured to establish a binding relationship of the supplementary contract template to the historical credit contract and to generate the supplementary credit contract based on the supplementary request and the supplementary contract template having a binding relationship to the historical credit contract.

In an optional embodiment, in the case that the item type is the action item type, the obtaining performance information module 306 includes:

a first determination term unit configured to determine a historical contract term and a supplementary contract term corresponding to the performance item included in the supplementary credit contract;

a first obtaining performing information unit configured to obtain historical performing information that the contracting party performs for the historical contract terms corresponding to the performing item, and supplementary performing information that the contracting party performs for the supplementary contract terms corresponding to the performing item;

and the integration processing unit is configured to integrate the history performance information and the supplementary performance information, and take the integrated processing result as the performance information.

In an optional embodiment, in the case that the item type is the rental item type, the obtain fulfillment information module 306 includes:

a second determination term unit configured to determine a supplementary contract term corresponding to the performance item included in the supplementary credit contract;

a second obtaining performing information unit configured to obtain supplementary performing information that the contracting-losing party performs performing with respect to the supplementary contract terms corresponding to the performing item, and to use the supplementary performing information as the performing information.

In an alternative embodiment, the update credit record module 308 includes:

a determination completion unit configured to determine a historical fulfillment completion for the losing party to perform on the historical contract term according to the historical fulfillment information, and determine a supplementary fulfillment completion for the losing party to perform on the supplementary contract term according to the supplementary fulfillment information;

a calculation average unit configured to calculate an average of the completion of both the history performance completion and the supplementary performance completion, and to take the average of the completion as the performance completion;

an updating unit configured to generate the positive credit record and update the credit record of the loser if the completion average reaches the completion threshold.

In an optional embodiment, the module 302 for receiving a supplement request includes:

a receiving request unit configured to receive a loss-of-contract replenishment request for performing a performance replenishment on the historical credit contract for which the losing party does not perform the performance, and a conservation replenishment request for performing the performance replenishment on the historical credit contract for which the conserving party performs the performance replenishment;

the identification time unit is configured to identify the loss and replenishment time corresponding to the loss and replenishment request and the conservation and replenishment time corresponding to the conservation and replenishment request;

a calculation difference unit configured to calculate a first difference between the loss replenishment time and the establishment time of the historical credit contract, and a second difference between the conservation replenishment time and the establishment time, and compare the first difference and the second difference;

a first determination unit configured to take the loss of contract supplementary request submitted by the loss party as the supplementary request if the first difference is smaller than the second difference;

a second determination unit configured to take the reservation replenishment request submitted by the depositor as the replenishment request, in a case where the first difference is larger than the second difference.

In an optional embodiment, in the case that the loss of contract replenishment request submitted by the loser is the replenishment request, the generate replenishment credit contract module 304 includes:

a first sending unit, configured to generate a replenishment issue order having a binding relationship with the historical credit contract according to the loss contract replenishment request, and send the replenishment issue order to the daemon party;

a first generation unit configured to generate the supplementary credit contract having a binding relationship with the historical credit contract, in a case where it is determined that the reseller has signed the supplementary issue ticket.

In an alternative embodiment, in the case where the reservation replenishment request submitted by the depositor is the replenishment request, the generate replenishment credit contract module 304 includes:

a second sending unit, configured to generate a replenishment offer order having a binding relationship with the historical credit contract according to the conservation replenishment request, and send the replenishment offer order to the disappointing party;

a second generation unit configured to generate the supplementary credit contract having a binding relationship with the historical credit contract, in a case where it is determined that the irreducible party has made the supplementary issue ticket.

an extracting unit configured to extract a contract number of the history credit contract;

a creating unit configured to create a sub-contract number from the contract number, the contract number having a binding relationship with the sub-contract number;

a generating unit configured to generate the supplementary credit contract based on the supplementary request and to assign the sub-contract number to the supplementary credit contract.

In the credit updating device provided by the present specification, by generating a supplementary credit contract having a binding relationship with a historical credit contract, generating a positive credit record corresponding to a negative credit record of the historical credit contract when a losing party performs a contract on the supplementary credit contract, and updating the credit record of the losing party according to the positive credit record, it is realized that a negative influence related to the negative credit record in the credit record of the losing party can be eliminated, thereby facilitating the restoration of the credit relationship between the losing party and the conserving party.

The above is an exemplary scheme of a credit update apparatus of the embodiment. It should be noted that the technical solution of the credit updating apparatus is the same as that of the credit updating method, and the details of the technical solution of the credit updating apparatus, which are not described in detail, can be referred to the description of the technical solution of the credit updating method.

FIG. 4 illustrates a block diagram of a computing device 400 provided according to an embodiment of the present description. The components of the computing device 400 include, but are not limited to, a memory 410 and a processor 420. Processor 420 is coupled to memory 410 via bus 430 and database 450 is used to store data.

Computing device 400 also includes access device 440, access device 440 enabling computing device 400 to communicate via one or more networks 460. 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 440 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether 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 400, as well as other components not shown in FIG. 4, 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. 4 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 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet computer, personal digital assistant, laptop computer, notebook computer, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smart glasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 400 may also be a mobile or stationary server.

Wherein processor 420 is configured to execute the following computer-executable instructions:

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the credit update method described above belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the credit update method described above.

An embodiment of the present specification also provides a computer readable storage medium storing computer instructions that, when executed by a processor, are operable to:

generating a supplementary credit contract having a binding relation with the historical credit contract based on the supplementary request, wherein the supplementary credit contract comprises the performing items of incomplete performing of the historical credit contract;

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 belongs to the same concept as the technical solution of the above-mentioned credit updating method, and for details that are not described in detail in the technical solution of the storage medium, reference may be made to the description of the technical solution of the above-mentioned credit updating 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 source code form, object code form, 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 foregoing method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present disclosure is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present disclosure. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for this description.

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 specification disclosed above are intended only to aid in the description of the specification. 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 specification and its practical application, to thereby enable others skilled in the art to best understand the specification and its practical application. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A credit update method, comprising:

2. The credit updating method of claim 1, after the step of receiving a replenishment request for performing fulfillment request for a historical credit contract for incomplete fulfillment is performed, and before the step of generating a replenishment credit contract having a binding relationship with the historical credit contract based on the replenishment request is performed, the step of including in the replenishment credit contract the fulfillment transaction for incomplete fulfillment of the historical credit contract, further comprising:

3. The credit update method of claim 1, further comprising, after the step of generating a positive credit record corresponding to a negative credit record of the historical credit contract and updating the credit record of the losing party is performed, if it is determined from the fulfillment information that the degree of fulfillment completion of the losing party for the fulfillment item reaches a completion threshold, the method further comprising:

4. The credit update method of claim 1, the generating, based on the replenishment request, a replenishment credit contract having a binding relationship with the historical credit contract, comprising:

5. The credit update method of claim 4, in the case that the item type is the action item type, the contracting party acquiring the historical credit contract performing performance information for performing on the performance item included in the supplementary credit contract, comprising:

6. The credit updating method of claim 4, the irreducible party acquiring the historical credit contract performing information for the performing item included in the supplementary credit contract, in case the item type is the rental item type, comprising:

7. The credit update method of claim 5, the generating a positive credit record corresponding to a negative credit record of the historical credit contract and updating the credit record of the losing party in the event that it is determined from the fulfillment information that the degree of fulfillment completion by the losing party for the fulfillment item reaches a completion threshold, comprising:

8. The credit update method of claim 1, the receiving a replenishment request for performing fulfillment replenishment for a historical credit contract for incomplete fulfillment, comprising:

9. The credit update method of claim 8, where the loss of contract replenishment request submitted by the loser is the replenishment request, the generating a replenishment credit contract having a binding relationship with the historical credit contract based on the replenishment request, comprising:

generating a supplementary contract issuing order having a binding relation with the historical credit contract according to the losing and supplementing request, and sending the supplementary contract issuing order to the contracting party;

10. The credit update method of claim 8, where the escrow replenishment request submitted by the escrow party is the replenishment request, the generating a replenishment credit contract having a binding relationship with the historical credit contract based on the replenishment request, comprising:

11. The credit update method of claim 1, the generating, based on the replenishment request, a replenishment credit contract having a binding relationship with the historical credit contract, comprising:

extracting a contract number of the historical credit contract;

12. A credit update apparatus, comprising:

13. 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:

14. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the credit update method of any of claims 1 to 11.