CN107451712A

CN107451712A - A kind of data processing method and equipment

Info

Publication number: CN107451712A
Application number: CN201710412005.9A
Authority: CN
Inventors: 赵星; 曾海峰
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2017-06-02
Filing date: 2017-06-02
Publication date: 2017-12-08

Abstract

This application discloses a kind of data processing method and equipment, including：Contract is provided and signs platform, the contract for receiving the first user transmission signs request, contract signs the user's mark and contract data that second user is included in request, and contract data are used to characterize the obligation that the first user is fulfiled to second user promise in setting time；Contract is signed into request and is sent to second user corresponding to user's mark of second user；The confirmation that second user returns is received, and according to confirmation, the contractual relation established between the first user and second user.Effective monitoring can be carried out to the carrying out of a contract between user, by obtaining data are assessed caused by the various contractual relations between different user, and then the credit of user is estimated than more fully, the accuracy that effectively lifting is assessed user credit, credit evaluation mechanism is improved, realizes and the risk of internet financial business is control effectively.

Description

A kind of data processing method and equipment

Technical field

The application is related to internet information processing technology field and field of computer technology, more particularly to one kind is based on contract Data processing method and equipment about.

Background technology

With the development of science and technology, economic form is from monetary economy form to credit economy Form Development.It is so-called Credit economy refers to realize the exchange of commodities or financial transaction using credit as the media of exchange.Here credit refers to be attached to A kind of relations of production of the mutual trust formed between different subjects between commodity transaction and social relationships.Based on this letter With can establish contractual relation among different users or between user and trade company, can be realized by this contractual relation The exchange of commodities or financial transaction.

So-called contract refer to relevant particular event that both sides or multi-party joint consultation conclude (such as：Dealing, mortgage, rent Rent) legal documents.Based on the legal documents, in both sides or multi-party the foundation contractual relation relevant with particular event. Defined in the legal documents and conclude both sides or multi-party rights and duties, both sides or needed in many ways according to the legal documents Described in rights and duties fulfil corresponding obligation.

With the development of Internet technology, internet financial business also gradually grows up.In order to reduce internet finance The risk of business, internet financial service platform needs to assess the carrying out of a contract ability of user, and then obtains the user Credit data, such internet financial service platform can provide phase according to the credit data of the obtained user for the user The internet financial service answered.

But the credit evaluation mode used at present is perfect not enough, has some limitations.

The content of the invention

In view of this, the embodiment of the present application provides a kind of data processing method based on contract, for solving existing skill In art there is the problem of credit data inaccuracy for the user that certain limitation causes to obtain in credit evaluation mode.

The embodiment of the present application uses following technical proposals：

The embodiment of the present application provides a kind of data processing method, including：

The contract for receiving the first user transmission signs request, and the contract is signed the user comprising second user in request and marked Know and contract data, the contract data are used to characterize first user to second user promise institute in setting time The obligation fulfiled；

The contract is signed into request and is sent to second user corresponding to user's mark of the second user；

Receive the confirmation that the second user returns, and according to the confirmation, establish first user with Contractual relation between the second user.

The embodiment of the present application also provides a kind of data processing method, including：

Contract event is determined, and is used to characterize first based on contract event generation contract data, the contract data User promises to undertake the obligation fulfiled in setting time to second user；

The contract of the mark and the contract data that carry the second user is signed into request and is sent to server, makes institute Server is stated to handle contract signing request.

The contract that the reception server is sent signs request, and the contract is signed the user comprising the first user in request and identified With contract data, the contract data are used to characterize what first user was fulfiled to second user promise in setting time Obligation；

If it is determined that receiving the contract signs request, then confirmation is sent to the server, make the server root According to the confirmation, the contractual relation established between first user and the second user.

The embodiment of the present application provides a kind of data processing equipment, including：

Receiving unit, receive the contract that the first user sends and sign request, the contract is signed in request and used comprising second User's mark and contract data at family, the contract data are being set for characterizing first user to second user promise Fix time interior fulfiled obligation；

Transmitting element, the contract is signed into request and is sent to the second use corresponding to user's mark of the second user Family；

The receiving unit, receive the confirmation that the second user returns；

Processing unit, according to the confirmation, the contract established between first user and the second user is closed System.

The embodiment of the present application also provides a kind of data processing equipment, including：

Processing unit, contract event is determined, and be used for based on contract event generation contract data, the contract data Characterize the first user and the obligation fulfiled in setting time is promised to undertake to second user；

Transmitting element, the contract of the mark and the contract data that carry the second user is signed into request and is sent to clothes Business device, the server is signed request to the contract and handle.

Receiving unit, the contract that the reception server is sent sign request, and the contract is signed in request and includes the first user User mark and contract data, the contract data be used for characterize first user to second user promise to undertake in setting time Interior fulfiled obligation；

Transmitting element, however, it is determined that receive the contract and sign request, then send confirmation to the server, make described Server is according to the confirmation, the contractual relation established between first user and the second user.

Above-mentioned at least one technical scheme that the embodiment of the present application uses can reach following beneficial effect：

In the embodiment of the present application, there is provided contract signs platform, is signed in the contract on platform, receives the first user and sends Contract sign request, the contract signs user's mark and contract data comprising second user, the contract number in request According to for characterizing first user obligation fulfiled in setting time is promised to undertake to the second user；By the contract label Order request and be sent to second user corresponding to user's mark of the second user；Receive the confirmation letter that the second user returns Breath, and according to the confirmation, the contractual relation established between first user and the second user.In such manner, it is possible to Effective monitoring is carried out to the carrying out of a contract between user and user, effectively closed by obtaining the various contracts between different user Data are assessed caused by system, and then the credit of user is estimated than more fully, effectively improves and user credit is assessed Accuracy, improve credit evaluation mechanism, realize and the risk of internet financial business is control effectively.

Brief description of the drawings

Accompanying drawing described herein is used for providing further understanding of the present application, forms the part of the application, this Shen Schematic description and description please is used to explain the application, does not form the improper restriction to the application.In the accompanying drawings：

Fig. 1 is a kind of schematic flow sheet for data processing method that the embodiment of the present application provides；

Fig. 2 is a kind of schematic flow sheet for data processing method that the embodiment of the present application provides；

Fig. 3 is a kind of schematic flow sheet for data processing method that the embodiment of the present application provides；

The contract that Fig. 4 is the first user that the embodiment of the present application provides signs request schematic diagram；

Fig. 5 is the carrying out of a contract schematic diagram for the first user that the embodiment of the present application provides；

Fig. 6 is that the contractual capacity for the second user that the embodiment of the present application provides assesses schematic diagram；

Fig. 7 is a kind of structural representation for data processing equipment that the embodiment of the present application provides；

Fig. 8 is a kind of structural representation for data processing equipment that the embodiment of the present application provides；

Fig. 9 is a kind of structural representation for data processing equipment that the embodiment of the present application provides；

Figure 10 is a kind of structural representation for data handling system that the embodiment of the present application provides.

Embodiment

In order to realize the purpose of the application, the embodiment of the present application provides a kind of data processing method based on contract and set It is standby, there is provided contract signs platform, is signed in the contract on platform, receives the contract that the first user sends and signs request, the contract User's mark and contract data comprising second user, the contract data in request are about signed to be used to characterize first user The obligation fulfiled in setting time is promised to undertake to the second user；Contract signing request is sent into described second to use Second user corresponding to user's mark at family；Receive the confirmation that the second user returns, and according to the confirmation, The contractual relation established between first user and the second user.In such manner, it is possible to the contract between user and user Fulfil and be monitored, data are effectively assessed caused by the various contractual relations between different user by obtaining, it is relatively more comprehensive Ground is estimated the credit of user, effectively improves the accuracy assessed user credit, and then the credit of user will be commented Estimate and C2C (Customer-to-Customer) mode is extended to by B2C (Business-to-Customer) mode, improve credit Evaluation mechanism, realize and the risk of internet financial business is control effectively.

It should be noted that contract signing platform described in the embodiment of the present application can be real by way of microprogram One function module that is existing or being integrated in internet financial platform, is not specifically limited here.The embodiment of the present application In do not limited on the type of contractual relation, can be the buyer-seller relationship, loaning bill relation, mortgage relation of legal provisions；Also may be used To be the transactional relationship arranged in daily life between different user, such as：Housework distribution of agreement between husband and wife etc..

Specified relationship is pre-established between described second user and first user in the embodiment of the present application, it is described Specified relationship includes the one or more in kinship, friends, classmate's relation.

To make the purpose, technical scheme and advantage of the application clearer, below in conjunction with the application specific embodiment and Technical scheme is clearly and completely described corresponding accompanying drawing.Obviously, described embodiment is only the application one Section Example, rather than whole embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not doing Go out under the premise of creative work the every other embodiment obtained, belong to the scope of the application protection.

Below in conjunction with accompanying drawing, the technical scheme that each embodiment of the application provides is described in detail.

Fig. 1 is a kind of schematic flow sheet for data processing method that the embodiment of the present application provides.Methods described can be as follows It is shown.The executive agent of the embodiment of the present application is that contract signs server corresponding to platform.

Step 101：The contract for receiving the first user transmission signs request.

The contract signs user's mark comprising second user and contract data, the contract data in request and is used for table Levy first user and the obligation fulfiled in setting time is promised to undertake to the second user.

Because the mode that contract is signed in actual applications typically concludes papery contract side using both sides or Multi Part Negotiation Formula and both sides or the mode that makes a verbal agreement in many ways, both modes exist system supervisory can not be carried out to carrying out of a contract Problem.Further, since both sides or it is multi-party between lack legal knowledge so that the papery contract signed is reached oral There is legal issue in agreement, legal dispute easily occurs when honouring an agreement, and make troubles for both sides or in many ways.

In view of above mentioned problem, provide in the embodiment of the present application contract sign platform, it is necessary to the both sides of sign a contract or Person can sign platform sign a contract by the contract in many ways, can so realize and both sides are signed to contract or multi-party are honoured an agreement Ability is monitored.

If the first user needs to sign contract between second user, then first user passes through used visitor Family end logs in the contract and signs platform, and contract event is determined in the contract signs platform.Here contract is included in contract event About type, carrying out of a contract time and first user are promised to undertake in setting time (or carrying out of a contract to the second user Time) in the obligation fulfiled.Client generates contract data based on the contract event that user inputs, and sends contract to server Request is about signed, the contract signs user's mark and the contract data comprising second user in request.

It should be noted that contract described in the embodiment of the present application can be a contract in legal sense, by What both sides or multi-party joint consultation were concluded；Can also be some promise of a user, such as：First user uses to second Promise to undertake at family：Following one week housework (such as：Including cooking, washing the dishes, cleaning, clothes etc. of doing washing) it is responsible for by the first user.It is false If the promise is the contract event of determination, then in order to be monitored to the contractual capacity of the first user, the first user can lead to Cross used client and log in contract signing platform, contract data, the contract data are generated in the contract signs platform In promised to undertake comprising carrying out of a contract time and first user to the second user in setting time (or during carrying out of a contract Between) in the obligation fulfiled, and the contract of the user for carrying the contract data and second user mark is signed into request and is sent to Server.

More preferably, in the embodiment of the present application, the first user can select that contract signs by about square, i.e., from described the One user, which pre-establishes, selects one of user to identify in user's identification sets of the second user of specified relationship, and by selection Second user corresponding to user's mark is defined as by about just, and the specified relationship includes kinship, friends, classmate One or more in relation.

It should be noted that when the first user logs in contract signing platform by used client, server can To be identified according to the user of first user, it is determined that the user that the second user of setting relation is established with first user identifies Collection, and user's identification sets are sent to the first user.

Step 102：The contract is signed into request and is sent to second user corresponding to user's mark of the second user.

In the embodiment of the present application, server is when the contract for receiving the first user transmission signs request, from the contract User's mark that second user is parsed in request is signed, and the contract is signed and asks the user for being sent to the second user to mark Second user corresponding to knowledge.

Step 103：Receive the confirmation that the second user returns.

In the embodiment of the present application, second user is when the contract for receiving server transmission signs request, further really The fixed contract that whether receives signs request.On the one hand it needs to be determined that the contract is signed described in the contract data included in request Obligation whether fairly；On the other hand determine that the contract signs whether request belongs to true intention expression.

If second user determines that receiving the contract signs request, and confirmation is sent to the server；Otherwise, to clothes Business device sends refusal information.

Step 104：According to the confirmation, the contract established between first user and the second user is closed System.

In the embodiment of the present application, server determines second user when receiving the confirmation of second user transmission Receive the contract and sign request, and the contractual relation established between first user and the second user, in order to follow-up The contractual capacity of the first user and/or second user are monitored for the contractual relation.

Illustrated below so that the contractual capacity to the first user is monitored as an example.

In the embodiment of the present application, when establishing the contractual relation between first user and the second user, root The carrying out of a contract time included in request is signed according to the contract, generates carrying out of a contract prompt message.

Wherein, the carrying out of a contract prompt message is used to prompt first user to fulfil justice corresponding to the contractual relation Business.

More preferably, methods described also includes：

When the setting time (i.e. carrying out of a contract time) reaches, carrying out of a contract prompting letter is sent to first user Breath.

In the embodiment of the present application, it is corresponding may to have fulfiled the contractual relation before the carrying out of a contract time by some users Obligation, illustrate that the contractual capacity of these users is stronger, therefore, to first user send carrying out of a contract prompt message Before, it is voluntary corresponding to the contractual relation to determine whether the first user has fulfiled.

When it is determined that first user not yet fulfils voluntary corresponding to the contractual relation, sent to first user Carrying out of a contract prompt message.

When it is determined that first user has fulfiled voluntary corresponding to the contractual relation, the shoe of first user is obtained About data.

Wherein, the contractual relation is included in the data of honouring an agreement, fulfils behavior voluntary corresponding to the contractual relation The generation time of data and the behavioral data.

More preferably, in the embodiment of the present application, methods described also includes：

The data of honouring an agreement that first user sends are received, and the data of honouring an agreement are sent to the second user.

It should be noted that the carrying out of a contract time described in the embodiment of the present application can be one (such as：Loaning bill contract About, the refund date of borrower is defined in the loan agreement) or multiple (such as：First user is to second user The promise to do housework made, this term of validity promised to undertake can be 7 days (No. 01~No. 07)), then what the first user sent Data of honouring an agreement can be a packet for the carrying out of a contract time, if the carrying out of a contract time is one, then should A data of honouring an agreement are included in packet；If the carrying out of a contract time is multiple, then is honoured an agreement in the packet comprising multiple Data (such as 7), each data of honouring an agreement are corresponding with the carrying out of a contract time.It it is a period of time for the carrying out of a contract time (including multiple time points), then when honouring an agreement data corresponding to each time point of generation, the first user can be by the time Data of being honoured an agreement corresponding to point are sent to server.

The assessment data that the second user is sent are received, the assessment data are used to characterize the second user according to institute State data of honouring an agreement to assess the contractual capacity of first user, included in the assessment data and whether honour an agreement, carry out on time One or more about in degree.

Specifically, second user receive server transmission honour an agreement data when, according to the data of honouring an agreement to described The contractual capacity of first user is assessed.

Here assessment can be for the contractual relation to the total evaluation made by the contractual capacity of the first user, Can a carrying out of a contract time point being directed in the contractual relation the first user be honoured an agreement at the carrying out of a contract time point Ability makes assessment, and comprehensive assessment is provided at the end of the carrying out of a contract phase, is not specifically limited here.

Here assessment comprising whether honour an agreement on time, the effect for completion of honouring an agreement how etc..

In order to ensure that second user can be assessed the contractual capacity of the first user in time, in the embodiment of the present application In, at the end of the satisfied term of the contractual relation, sent to the second user and assess prompt message, it is described to assess prompting letter Cease for prompting the second user to assess the contractual capacity of first user.

In the embodiment of the present application, methods described also includes：

The assessment data are sent to first user.

If there is objection in assessment data of first user to second user, then receive the objection that first user sends Data, the objection data are used to characterize objection of first user to the assessment data；

Store the contractual relation, the objection data and the mapping relations assessed between data.

More preferably, methods described also includes：

According to the mapping relations, the credit data of first user is handled.

In order to ensure subsequently being assessed based on assessment data the credit of the first user, objection number described in server storage According to the mapping relations between the assessment data, these assessment data of the angle-determining that can be analyzed by big data are to first The influence degree of the credit data of user, and then ensure that the accuracy for assessing the credit data of the first user.

In the embodiment of the present application, server after the assessment data of second user transmission are got, also wrap by methods described Include：

According to the assessment data, the credit data of first user is handled.

Specifically, according to the assessment data, the credit value of adjustment first user.

The factor of influence of the assessment data is determined, utilizes the factor of influence, the credit value of adjustment first user.

Specifically, according to the credit label assessed data and historical evaluation data, determine first user, institute The confidence level that credit label is used to characterize user is stated, and the user for establishing the credit label and first user identifies it Between mapping relations.

In the embodiment of the present application, credit label includes but is not limited to：Reliable label, credible label, label undetermined and not Credible label.The corresponding credit value section of different credit labels.

Wherein, credit value corresponding to reliable label is more than credit value corresponding to credible label；Credit corresponding to credible label Value is more than credit value corresponding to label undetermined；Credit value corresponding to label undetermined is more than credit value corresponding to insincere label.

In the embodiment of the present application, the first user, can also be in contract when the contract sent with second user signs request The disclosure authority for including result of honouring an agreement in request is about signed, i.e., the contractual relation included in for contract signing request fulfils knot , it is necessary to which whom will honour an agreement data and assessment data are sent to during beam, illustrate who possesses and check the power that this is honoured an agreement data and assesses data Limit.

Specifically, the disclosure authority of the result of honouring an agreement included in request is signed according to the contract, passes through the social activity of setting Platform issues the contractual relation and the assessment data so that other users corresponding with the disclosure authority pass through institute State social platform and access the assessment data.

Such as：The friend that authority is disclosed as the first user and second user can access, then be put down by the social activity of setting Platform issues the contractual relation and the assessment data, and friend is established with the first user and second user in the social platform The user of relation can access the assessment data；

Such as：The relatives that authority is disclosed as the first user and second user can access, then be put down by the social activity of setting Platform issues the contractual relation and the assessment data, and relatives are established with the first user and second user in the social platform The user of relation can access the assessment data.

The technical scheme provided by the embodiment of the present application, there is provided contract signs platform, signs on platform, connects in the contract The contract for receiving the first user transmission signs request, and the contract signs user's mark and contract number comprising second user in request According to the contract data are used to characterize the justice that first user is fulfiled to second user promise in setting time Business；The contract is signed into request and is sent to second user corresponding to user's mark of the second user；Receive described second The confirmation that user returns, and according to the confirmation, the contract established between first user and the second user About relation.In such manner, it is possible to effective monitoring is carried out to the carrying out of a contract between user and user, and then by the credit evaluation to user C2C (Customer-to-Customer) mode is extended to by B2C modes, it is effectively various between different user by obtaining Data are assessed caused by contractual relation, than more fully estimating the credit of user, effectively improves and user credit is commented The accuracy estimated, and then the risk of internet financial business is control effectively.

Based on same inventive concept, Fig. 2 is a kind of flow signal for data processing method that the embodiment of the present application provides Figure.Methods described can be with as follows.The executive agent of the embodiment of the present application is that contract signs client corresponding to platform.

Step 201：Contract event is determined, and is used for based on contract event generation contract data, the contract data Characterize the first user and the obligation fulfiled in setting time is promised to undertake to second user.

Before contract data are generated, marked from the user for the second user that specified relationship is pre-established with first user Know to concentrate and select one of user mark, and second user corresponding to the user mark of selection is defined as by about square, The specified relationship includes the one or more in kinship, friends, classmate's relation.

Step 202：The contract of the mark and the contract data that carry the second user is signed into request and is sent to clothes Business device, the server is signed request to the contract and handle.

After it is determined that establishing contractual relation with the second user, when signing the setting included in request according to the contract Between, fulfil corresponding to the contractual relation voluntary, and caused behavioral data of fulfilling obligations, the behavioral data will be carried The server is sent in generation time and the data of honouring an agreement of the contractual relation.

Based on same inventive concept, Fig. 3 is a kind of flow signal for data processing method that the embodiment of the present application provides Figure.Methods described can be with as follows.The executive agent of the embodiment of the present application is that contract signs client corresponding to platform.

Step 301：The contract that the reception server is sent signs request.

Wherein, the contract signs user's mark and contract data comprising the first user, the contract data in request For characterizing first user obligation fulfiled in setting time is promised to undertake to second user.

Step 302：If it is determined that receiving the contract signs request, then confirmation is sent to the server, made described Server is according to the confirmation, the contractual relation established between first user and the second user.

Receive the data of honouring an agreement that the server is sent, in the data of honouring an agreement comprising the contractual relation, fulfil it is described The generation time of voluntary behavioral data and the behavioral data corresponding to contractual relation；

According to the data of honouring an agreement, the contractual capacity of first user is assessed, and generates assessment data, it is described Assess data in comprising whether honour an agreement on time, the one or more in degree of honouring an agreement；

The assessment data are sent to the server.

The contract that Fig. 4 is the first user that the embodiment of the present application provides signs request schematic diagram.

Figure 4, it is seen that client corresponding to first user's startup optimization contract signing platform, logs in the client Afterwards, signed in contract and show contract signing requests for page corresponding to platform in client, shown in the page contract type, by About square, carrying out of a contract time and the obligation executed one's promises etc..When the first user inputs the contract content of correlation in the page Afterwards, control is submitted in triggering, is considered as to server and is sent contract signing request.

Fig. 5 is the carrying out of a contract schematic diagram for the first user that the embodiment of the present application provides.

From figure 5 it can be seen that server, after the contractual relation between the first user and second user is established, first uses The carrying out of a contract page is shown in client used in family, comprising contractual relation, by about square, contract in the carrying out of a contract page Time and carrying out of a contract data are fulfiled, is included in the carrying out of a contract data and fulfils data, Ke Yitong caused by different time points Cross a page to show, can also be shown by multiple pages, be not specifically limited here.

Fig. 6 is that the contractual capacity for the second user that the embodiment of the present application provides assesses schematic diagram.

From fig. 6 it can be seen that second user is made after the contract for receiving the first user signs request in second user Display, which is honoured an agreement, in client assesses the page, promoter's (user's mark of the first user in the page comprising contractual relation Know), the first user send honour an agreement data and second user assessment data.When second user inputs assessment in the page After data, control is submitted in triggering, is considered as to send to server and is assessed data, is carried out with the contractual capacity completed to the first user Assess.

Based on same inventive concept, Fig. 7 is a kind of structural representation for data processing equipment that the embodiment of the present application provides Figure.The data processing equipment includes：Receiving unit 701, transmitting element 702 and processing unit 703, wherein：

Receiving unit 701, receive the contract that the first user sends and sign request, the contract, which is signed, includes second in request The user's mark and contract data of user, the contract data exist for characterizing first user and being promised to undertake to the second user The obligation fulfiled in setting time；

Transmitting element 702, the contract is signed into request and is sent to second corresponding to user's mark of the second user User；

The receiving unit 701, receive the confirmation that the second user returns；

Processing unit 703, according to the confirmation, the contract established between first user and the second user Relation.

In another embodiment of the application, the transmitting element 702, when the setting time reaches, to described First user sends carrying out of a contract prompt message, and the carrying out of a contract prompt message is described for prompting first user to fulfil It is voluntary corresponding to contractual relation.

In another embodiment of the application, the transmitting element 702 sends carrying out of a contract to first user and carried Show information, including：

In another embodiment of the application, the receiving unit 701, the number of honouring an agreement that first user sends is received According to, in the data of honouring an agreement comprising the contractual relation, fulfil behavioral data voluntary corresponding to the contractual relation and institute State the generation time of behavioral data；

The transmitting element 702, the data of honouring an agreement are sent to the second user.

In another embodiment of the application, the receiving unit 701, the assessment number that the second user is sent is received It is used to characterizing second user data of honouring an agreement according to according to, assessment data to enter the contractual capacity of first user Row assess, it is described assessment data in comprising whether honour an agreement on time, the one or more in degree of honouring an agreement.

In another embodiment of the application, the processing unit 703, according to the assessment data, to described first The credit data of user is handled.

In another embodiment of the application, the processing unit 703 is used described first according to the assessment data The credit data at family is handled, including：

According to the assessment data, the credit value of adjustment first user.

According to the credit label assessed data and historical evaluation data, determine first user, the credit Label is used for the confidence level for characterizing user；

The mapping relations established between the credit label and user's mark of first user.

In another embodiment of the application, the receiving unit 701 receives the assessment number that the second user is sent According to, including：

At the end of the satisfied term of the contractual relation, sent to the second user and assess prompt message, the assessment Prompt message is used to prompt the second user to assess the contractual capacity of first user.

In another embodiment of the application, the data processing equipment also includes：Memory cell 704, wherein：

The transmitting element 702, the assessment data are sent to first user；

The receiving unit 701, receives the objection data that first user sends, and the objection data are used to characterize institute State objection of first user to the assessment data；

The memory cell 704, store the contractual relation, the objection data and the mapping assessed between data Relation.

In another embodiment of the application, the processing unit 703, according to the mapping relations, to described first The credit of user is handled.

In another embodiment of the application, the processing unit 703, sign what is included in request according to the contract The disclosure authority for result of honouring an agreement, the contractual relation and the assessment data are issued by the social platform of setting, so that Other users corresponding with the disclosure authority access the assessment data by the social platform.

In another embodiment of the application, specified pass is pre-established between the second user and first user System, the specified relationship include the one or more in kinship, friends, classmate's relation.

It should be noted that data processing equipment described in the embodiment of the present application can be realized by software mode, also may be used To be realized by hardware mode, it is not specifically limited here.The data processing equipment provides contract and signs platform, in the contract Sign on platform, receive the contract that the first user sends and sign request, the contract signs the use for including second user in request Family identifies and contract data, and the contract data are used to characterize first user to second user promise in setting time Interior fulfiled obligation；The contract is signed into request and is sent to second user corresponding to user's mark of the second user； The confirmation that the second user returns is received, and according to the confirmation, establishes first user and described second Contractual relation between user.In such manner, it is possible to between user and user carrying out of a contract carry out effective monitoring, and then will to The credit evaluation at family extends to C2C (Customer-to-Customer) mode by B2C modes, effectively by obtaining different use Data are assessed caused by various contractual relations between family, than more fully estimating the credit of user, are effectively improved The accuracy assessed user credit, and then the risk of internet financial business is control effectively.

Based on same inventive concept, the embodiment of the present application additionally provides a kind of data processing equipment, including：Memory and At least one processor, wherein：The memory storage has program, and be configured to by least one computing device with Lower step：

Receive the confirmation that the second user returns；

According to the confirmation, the contractual relation established between first user and the second user.

Specific processing mode may refer to the content described in embodiment illustrated in fig. 7, no longer repeat one by one here.

Based on same inventive concept, the embodiment of the present application additionally provides a kind of computer-readable recording medium, including：With The program that data processing equipment is used in combination, described program can be executed by processor to complete following steps：

Receive the confirmation that the second user returns；

Based on same inventive concept, Fig. 8 is a kind of structural representation for data processing equipment that the embodiment of the present application provides Figure.The data processing equipment includes：Processing unit 801 and transmitting element 802, wherein：

Processing unit 801, contract event is determined, and based on contract event generation contract data, the contract data For characterizing the first user the obligation fulfiled in setting time is promised to undertake to second user；

Transmitting element 802, the contract of the mark and the contract data that carry the second user is signed into request and sent To server, the server is signed request to the contract and handle.

In another embodiment of the application, the data processing equipment also includes：Selecting unit 803, wherein：

The selecting unit 803, before contract data are generated, specified relationship is pre-established from first user Select one of user to identify in user's identification sets of second user, and corresponding to the user mark of selection second is used Family is defined as by about just, and the specified relationship includes the one or more in kinship, friends, classmate's relation.

In another embodiment of the application, the processing unit 801, it is determined that establishing contract with the second user After relation, the setting time included in request is signed according to the contract, is fulfiled voluntary corresponding to the contractual relation；

The transmitting element 802, the generation time of fulfil obligations caused behavioral data, the behavioral data will be carried And it is sent to the server in the data of honouring an agreement of the contractual relation.

It should be noted that data processing equipment described in the embodiment of the present application can be realized by software mode, also may be used To be realized by hardware mode, it is not specifically limited here.

Based on same inventive concept, the embodiment of the present application additionally provides a kind of data processing method, including：Memory and At least one processor, wherein：The memory storage has program, and be configured to by least one computing device with Lower step：

Specific processing mode may refer to the content described in embodiment illustrated in fig. 8, no longer repeat one by one here.

Based on same inventive concept, Fig. 9 is a kind of structural representation for data processing equipment that the embodiment of the present application provides Figure.The data processing equipment includes：Receiving unit 901 and transmitting element 902, wherein：

Receiving unit 901, the contract that the reception server is sent sign request, and the contract is signed in request and used comprising first User's mark and contract data at family, the contract data are used to characterize first user to second user promise in setting The interior obligation fulfiled；

Transmitting element 902, however, it is determined that receive the contract and sign request, then send confirmation to the server, make The server is according to the confirmation, the contractual relation established between first user and the second user.

In another embodiment of the application, the data processing equipment also includes：Processing unit 903, wherein：

The receiving unit 901, the data of honouring an agreement that the server is sent are received, the contract is included in the data of honouring an agreement About relation, fulfil the generation time of behavioral data voluntary corresponding to the contractual relation and the behavioral data；

The processing unit 903, according to the data of honouring an agreement, the contractual capacity of first user is assessed, and Generation assess data, it is described assessment data in comprising whether honour an agreement on time, the one or more in degree of honouring an agreement；

The transmitting element 902, the assessment data are sent to the server.

Specific processing mode may refer to the content described in embodiment illustrated in fig. 9, no longer repeat one by one here.

Based on same inventive concept, Figure 10 is a kind of structural representation for data handling system that the embodiment of the present application provides Figure.

Client 1001, the client of second user 1002, the contract of the first user is included in the data handling system Platform 1003, monitor supervision platform 1004 and social platform 1005 are signed, wherein：

The client 1001 of first user and the client 1002 of second user, both sides are signed as contract, pass through contract Sign platform 1003 and establish contractual relation；

Monitor supervision platform 1004, the contractual capacity of the first user is monitored, and obtains second user to the first user's The assessment data of contractual capacity；

Social platform 1005, receives assessment data and honour an agreement data that monitor supervision platform sends, and according to the first user and the The disclosure authority arranged between two users, issue assessment data and number of honouring an agreement in information promulgating platform corresponding to authority is disclosed According to.

In the 1990s, the improvement for a technology can clearly distinguish be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And as the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow is programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, PLD (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, its logic function is determined by user to device programming.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, without asking chip maker to design and make Special IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " patrols Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but have many kinds, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL (Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed are most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also should This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, Can is readily available the hardware circuit for realizing the logical method flow.

Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing Device and storage can by the computer of the computer readable program code (such as software or firmware) of (micro-) computing device Read medium, gate, switch, application specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and embedded microcontroller, the example of controller include but is not limited to following microcontroller Device：ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, are deposited Memory controller is also implemented as a part for the control logic of memory.It is also known in the art that except with Pure computer readable program code mode realized beyond controller, completely can be by the way that method and step is carried out into programming in logic to make Controller is obtained in the form of gate, switch, application specific integrated circuit, programmable logic controller (PLC) and embedded microcontroller etc. to come in fact Existing identical function.Therefore this controller is considered a kind of hardware component, and various for realizing to including in it The device of function can also be considered as the structure in hardware component.Or even, can be by for realizing that the device of various functions regards For that not only can be the software module of implementation method but also can be the structure in hardware component.

System, device, module or the unit that above-described embodiment illustrates, it can specifically be realized by computer chip or entity, Or realized by the product with certain function.One kind typically realizes that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cell phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet PC, wearable device or these equipment The combination of equipment.

For convenience of description, it is divided into various units during description apparatus above with function to describe respectively.Certainly, this is being implemented The function of each unit can be realized in same or multiple softwares and/or hardware during application.

It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.) The form of product.

The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided The processors of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.

These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or The function of being specified in multiple square frames.

These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, so as in computer or The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one The step of function of being specified in individual square frame or multiple square frames.

In a typical configuration, computing device includes one or more processors (CPU), input/output interface, net Network interface and internal memory.

Internal memory may include computer-readable medium in volatile memory, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only storage (ROM) or flash memory (flash RAM).Internal memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer-readable instruction, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moved State random access memory (DRAM), other kinds of random access memory (RAM), read-only storage (ROM), electric erasable Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only optical disc read-only storage (CD-ROM), Digital versatile disc (DVD) or other optical storages, magnetic cassette tape, the storage of tape magnetic rigid disk or other magnetic storage apparatus Or any other non-transmission medium, the information that can be accessed by a computing device available for storage.Define, calculate according to herein Machine computer-readable recording medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.

It should also be noted that, term " comprising ", "comprising" or its any other variant are intended to nonexcludability Comprising so that process, method, commodity or equipment including a series of elements not only include those key elements, but also wrapping Include the other element being not expressly set out, or also include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that wanted including described Other identical element also be present in the process of element, method, commodity or equipment.

The application can be described in the general context of computer executable instructions, such as program Module.Usually, program module includes performing particular task or realizes routine, program, object, the group of particular abstract data type Part, data structure etc..The application can also be put into practice in a distributed computing environment, in these DCEs, by Task is performed and connected remote processing devices by communication network.In a distributed computing environment, program module can be with In the local and remote computer-readable storage medium including storage device.

Each embodiment in this specification is described by the way of progressive, identical similar portion between each embodiment Divide mutually referring to what each embodiment stressed is the difference with other embodiment.It is real especially for system For applying example, because it is substantially similar to embodiment of the method, so description is fairly simple, related part is referring to embodiment of the method Part explanation.

Embodiments herein is the foregoing is only, is not limited to the application.For those skilled in the art For, the application can have various modifications and variations.All any modifications made within spirit herein and principle, it is equal Replace, improve etc., it should be included within the scope of claims hereof.

Claims

1. a kind of data processing method, including：

The contract for receiving the first user transmission signs request, the contract sign in request user's mark comprising second user and Contract data, the contract data are fulfiled for characterizing first user to second user promise in setting time Obligation；

Receive the confirmation that the second user returns, and according to the confirmation, establish first user with it is described Contractual relation between second user.

2. data processing method according to claim 1, methods described also include：

When the setting time reaches, carrying out of a contract prompt message, the carrying out of a contract prompting are sent to first user Information is used to prompt first user to fulfil obligation corresponding to the contractual relation.

3. data processing method according to claim 2, carrying out of a contract prompt message, bag are sent to first user Include：

When it is determined that first user not yet fulfils voluntary corresponding to the contractual relation, contract is sent to first user Fulfil prompt message.

4. data processing method according to claim 1, methods described also include：

The data of honouring an agreement that first user sends are received, the contractual relation is included in the data of honouring an agreement, fulfils the contract The about generation time of behavioral data voluntary corresponding to relation and the behavioral data；

The data of honouring an agreement are sent to the second user.

5. data processing method according to claim 4, methods described also include：

The assessment data that the second user is sent are received, the assessment data are used to characterize the second user according to the shoe About data are assessed the contractual capacity of first user, it is described assessment data in comprising whether honour an agreement on time, journey of honouring an agreement One or more in degree.

6. data processing method according to claim 5, methods described also include：

According to the assessment data, the credit data of first user is handled.

7. data processing method according to claim 6, according to the assessment data, the credit of first user is entered Row processing, including：

According to the assessment data, the credit value of adjustment first user.

8. data processing method according to claim 6, according to the assessment data, to the credit number of first user According to being handled, including：

According to the credit label assessed data and historical evaluation data, determine first user, the credit label For characterizing the confidence level of user；

9. data processing method according to claim 5, the assessment data that the second user is sent are received, including：

At the end of the satisfied term of the contractual relation, sent to the second user and assess prompt message, it is described to assess prompting Information is used to prompt the second user to assess the contractual capacity of first user.

10. data processing method according to claim 5, methods described also include：

The assessment data are sent to first user；

The objection data that first user sends are received, the objection data are used to characterize first user to the assessment The objection of data；

11. data processing method according to claim 10, methods described also include：

According to the mapping relations, the credit data of first user is handled.

12. data processing method according to claim 5, methods described also include：

The disclosure authority of the result of honouring an agreement included in request is signed according to the contract, by described in the social platform issue of setting Contractual relation and the assessment data so that visited with the corresponding other users of the disclosure authority by the social platform Ask the assessment data.

13. according to the data processing method described in any one of claim 1 to 12, the second user and first user it Between pre-establish specified relationship, the specified relationship includes a kind of or more in kinship, friends, classmate's relation Kind.

14. a kind of data processing method, including：

Contract event is determined, and is used to characterize the first user based on contract event generation contract data, the contract data The obligation fulfiled in setting time is promised to undertake to second user；

The contract of the mark and the contract data that carry the second user is signed into request and is sent to server, makes the clothes Business device is signed request to the contract and handled.

15. data processing method according to claim 14, methods described also include：

Before contract data are generated, from the user's identification sets for the second user that specified relationship is pre-established with first user Middle selection one of user mark, and second user corresponding to the user mark of selection is defined as by about square, it is described Specified relationship includes the one or more in kinship, friends, classmate's relation.

16. the data processing method according to claims 14 or 15, methods described also include：

After it is determined that establishing contractual relation with the second user, the setting time included in request is signed according to the contract, Fulfil production that is voluntary, and fulfil obligations caused behavioral data, the behavioral data will being carried corresponding to the contractual relation The server is sent in the data of honouring an agreement of raw time and the contractual relation.

17. a kind of data processing method, including：

The contract that the reception server is sent signs request, and the contract signs user's mark and contract comprising the first user in request About data, the contract data are used to characterize the justice that first user is fulfiled to second user promise in setting time Business；

If it is determined that receiving the contract signs request, then confirmation is sent to the server, make the server according to institute Confirmation is stated, the contractual relation established between first user and the second user.

18. data processing method according to claim 17, methods described also include：

The data of honouring an agreement that the server is sent are received, the contractual relation is included in the data of honouring an agreement, fulfils the contract The generation time of voluntary behavioral data and the behavioral data corresponding to relation；

According to the data of honouring an agreement, the contractual capacity of first user is assessed, and generates assessment data, the assessment In data comprising whether honour an agreement on time, the one or more in degree of honouring an agreement；

The assessment data are sent to the server.

19. a kind of data processing equipment, including：

Receiving unit, receive the contract that the first user sends and sign request, comprising second user in the contract signing request User identifies and contract data, and the contract data are used to characterize first user to second user promise in setting The interior obligation fulfiled；

Transmitting element, the contract is signed into request and is sent to second user corresponding to user's mark of the second user；

The receiving unit, receive the confirmation that the second user returns；

Processing unit, according to the confirmation, the contractual relation established between first user and the second user.

20. data processing equipment according to claim 19, the transmitting element, when the setting time reaches, to First user sends carrying out of a contract prompt message, and the carrying out of a contract prompt message is used to prompt first user to fulfil It is voluntary corresponding to the contractual relation.

21. data processing equipment according to claim 20, the transmitting element sends contract to first user and carried out Row prompt message, including：

22. data processing equipment according to claim 19, the receiving unit, receive the shoe that first user sends About data, in the data of honouring an agreement comprising the contractual relation, fulfil behavioral data voluntary corresponding to the contractual relation with And the generation time of the behavioral data；

The transmitting element, the data of honouring an agreement are sent to the second user.

23. data processing equipment according to claim 22, the receiving unit, receive commenting for the second user transmission Estimate data, the assessment data are used to characterizing the second user and honoured an agreement according to honour an agreement energy of the data to first user Power is assessed, it is described assessment data in comprising whether honour an agreement on time, the one or more in degree of honouring an agreement.

24. data processing equipment according to claim 23, the processing unit, according to the assessment data, to described The credit data of first user is handled.

25. data processing equipment according to claim 24, the processing unit is according to the assessment data, to described The credit data of one user is handled, including：

According to the assessment data, the credit value of adjustment first user.

26. data processing equipment according to claim 24, the processing unit is according to the assessment data, to described The credit data of one user is handled, including：

27. data processing equipment according to claim 24, the receiving unit receives commenting for the second user transmission Estimate data, including：

28. data processing equipment according to claim 24, the data processing equipment also includes：Memory cell, wherein：

The transmitting element, the assessment data are sent to first user；

The receiving unit, receives the objection data that first user sends, and the objection data are used to characterize described first Objection of the user to the assessment data；

The memory cell, store the contractual relation, the objection data and the mapping relations assessed between data.

29. data processing equipment according to claim 28, the processing unit, according to the mapping relations, to described The credit data of first user is handled.

30. data processing equipment according to claim 24, the processing unit, signed in request and wrapped according to the contract The disclosure authority of the result of honouring an agreement contained, the contractual relation and the assessment data are issued by the social platform of setting, with The other users corresponding with the disclosure authority made access the assessment data by the social platform.

31. according to the data processing equipment described in any one of claim 19 to 30, the second user and first user Between pre-establish specified relationship, the specified relationship includes a kind of or more in kinship, friends, classmate's relation Kind.

32. a kind of data processing equipment, including：

Processing unit, contract event is determined, and be used to characterize based on contract event generation contract data, the contract data First user promises to undertake the obligation fulfiled in setting time to second user；

Transmitting element, the contract of the mark and the contract data that carry the second user is signed into request and is sent to service Device, the server is signed request to the contract and handle.

33. data processing equipment according to claim 32, the data processing equipment also includes：Selecting unit, wherein：

The selecting unit, before contract data are generated, used from pre-establishing the second of specified relationship with first user Select one of user to identify in user's identification sets at family, and second user corresponding to the user mark of selection is determined For by about just, the specified relationship includes the one or more in kinship, friends, classmate's relation.

34. the data processing equipment according to claim 32 or 33, the processing unit, it is determined that with the second user After establishing contractual relation, the setting time included in request is signed according to the contract, is fulfiled adopted corresponding to the contractual relation Business；

The transmitting element, fulfil obligations caused behavioral data, the generation time of the behavioral data and institute will be carried State in the data of honouring an agreement of contractual relation and be sent to the server.

35. a kind of data processing equipment, including：

Receiving unit, the contract that the reception server is sent sign request, and the contract signs the use for including the first user in request Family identifies and contract data, and the contract data are used to characterize first user to second user promise institute in setting time The obligation fulfiled；

Transmitting element, however, it is determined that receive the contract and sign request, then send confirmation to the server, make the service Device is according to the confirmation, the contractual relation established between first user and the second user.

36. data processing equipment according to claim 35, the data processing equipment also includes：Processing unit, wherein：

The receiving unit, receives the data of honouring an agreement that the server is sent, in the data of honouring an agreement comprising the contractual relation, Fulfil the generation time of behavioral data voluntary corresponding to the contractual relation and the behavioral data；

The processing unit, according to the data of honouring an agreement, the contractual capacity of first user is assessed, and generate assessment Data, it is described assessment data in comprising whether honour an agreement on time, the one or more in degree of honouring an agreement；

The transmitting element, the assessment data are sent to the server.

37. a kind of data processing equipment, including：Memory and at least one processor, wherein：The memory storage has journey Sequence, and be configured to by least one computing device following steps：

Receive the confirmation that the second user returns；

38. a kind of data processing method, including：Memory and at least one processor, wherein：The memory storage has journey Sequence, and be configured to by least one computing device following steps：

39. a kind of data processing method, including：Memory and at least one processor, wherein：The memory storage has journey Sequence, and be configured to by least one computing device following steps：