CN110046911A - Consume contract processing method and its system - Google Patents
Consume contract processing method and its system Download PDFInfo
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- CN110046911A CN110046911A CN201910127823.3A CN201910127823A CN110046911A CN 110046911 A CN110046911 A CN 110046911A CN 201910127823 A CN201910127823 A CN 201910127823A CN 110046911 A CN110046911 A CN 110046911A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/01—Customer relationship services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
Abstract
This application discloses a kind of consumption contract processing method and its systems.This method comprises: server is to using the first terminal of the first account to issue consumption contract elements set, the consumption contract elements set includes the lower limit of credit value；If the first terminal responds the consumption contract elements set and the corresponding credit value of first account is lower than the lower limit, then in the group that server creation includes first account, for the first terminal by inviting at least one other account that the group is added to using other terminals of other accounts to send message；The server calculates the credit value of the group according to the corresponding credit value of account each in the group, if the credit value of the group is higher than the lower limit, the pairing of the corresponding trade company of the consumption contract elements set and the group is realized and based on consumption contract elements set signature consumption contract.
Description
Technical field
This specification is related to field of computer technology.
Background technique
Credit consuming contract is to be assured based on user using its credit, and by computer system, it is original to acquire user
Behavior of credit form a set of credit value standard, and served as with this credit standard instead of currency or marketable securities or material object
Guarantee fund or guaranty, and a kind of technical solution for consuming contract is established with trade company.
Using credit value as assuring, can replace general using currency, marketable securities etc. in some original fields
Universal equivalent mode serve as guarantee fund and guaranty mode (such as it is common using monetization prestore or prepaid manner quotient
Industry behavior.Such as member card of barber shop etc.).
During user and trade company establish credit consuming contract, since generally there are certain for the valuation of credit value
The upper limit, cannot achieve can constantly be improved as currency or marketable securities by way of linearisation.Therefore exist
Certain scenes can not serve as guarantee fund or guaranty in this, as the standard of equity, cause a part of big amount scene
Consumption is not available consumption Design by Contract Pattern.
Summary of the invention
Present description provides a kind of consumption contract processing method and its system, can be solved based on computer technology because
User credit is insufficient and is unable to complete the problem of matching with businessman, realizes the automation of pairing and signing.
This application discloses a kind of consumption contract processing methods, comprising:
Server to use the first account first terminal issue consumption contract elements set, the consumption contract elements collection
Close the lower limit including credit value；
If the first terminal responds the consumption contract elements set, and the corresponding credit value of first account
Lower than the lower limit, then in the group that server creation includes first account, for the first terminal by making
Sending message with other terminals of other accounts invites at least one other account that the group is added；
The server calculates the credit value of the group according to the corresponding credit value of account each in the group, if
The credit value of the group is higher than the lower limit, then realizes the corresponding trade company of the consumption contract elements set and the group
It matches and is based on the consumption contract elements set signature consumption contract.
It in a preferred embodiment, further include the information of equity in the consumption contract elements set；
After the signature consumption contract based on the consumption contract elements set, further includes:
Equity in the consumption contract elements set is allocated between each account of the group.
In a preferred embodiment, after the server creation is including the group of first account, further includes:
The first terminal is sent to other terminals indicates to invite the message that the group is added；
The group is added in response to the message using other terminals of other accounts at least one.
In a preferred embodiment, the letter that the group is calculated according to the corresponding credit value of account each in the group
With value, further comprise:
By the n times side of a constant greater than 1 multiplied by the average value of the corresponding credit value of account each in the group, obtain
To the credit value of the group, wherein n is the number of account in the group.
In a preferred embodiment, the number of account is no more than the scheduled upper limit in the group.
In a preferred embodiment, after the signature consumption contract based on the consumption contract elements set, further includes:
After the completion of the consumption contract, according to the completeness of consumption, the contribution of each account in the group is calculated separately
Degree and accounting, and credit value corresponding to each account in the group is updated.
In a preferred embodiment, after the signature consumption contract based on the consumption contract elements set, further includes:
If the consumption contract fails to be timely completed, according to account each in the group to the consumption journey of equity
It spends, terminal used in each account sends the message that equity is returned in prompt to the trade company respectively in Xiang Suoshu group；If
Equity failure is returned, then credit value corresponding to the account for failing to return equity is reduced.
Disclosed herein as well is a kind of consumption contract processing systems to include:
Release module, for using the first terminal of the first account to issue consumption contract elements set, the consumption to be closed
The about elements combination lower limit that includes credit value；
Group creating module, for responding the consumption contract elements set and first account in the first terminal
Creation includes the group of first account when corresponding credit value in family is lower than the lower limit, for the first terminal by making
Sending message with other terminals of other accounts invites at least one other account that the group is added；
Credit computing module, for calculating the credit of the group according to the corresponding credit value of account each in the group
Value；
Pairing signing module, realizes the consumption contract elements when being higher than the lower limit for the credit value in the group
Gather the pairing of corresponding trade company and the group and based on consumption contract elements set signature consumption contract.
It in a preferred embodiment, further include the information of equity in the consumption contract elements set；
The system also includes mining rights module, for by the equity in the consumption contract elements set in the group
It is allocated between each account of group.
In a preferred embodiment, the credit computing module calculates the credit value of the group in the following manner:
By the n times side of a constant greater than 1 multiplied by the average value of the corresponding credit value of account each in the group, obtain
To the credit value of the group, wherein n is the number of account in the group.
In a preferred embodiment, the number of account is no more than the scheduled upper limit in the group.
In a preferred embodiment, further include credit update module, be used for after the completion of the consumption contract, according to consumption
Completeness calculates separately the contribution degree and accounting of each account in the group, and to corresponding to each account in the group
Credit value be updated.
In a preferred embodiment, the credit update module be also used to when the consumption contract fails to be timely completed according to
To the consumption degree of equity, in Xiang Suoshu group, terminal used in each account is sent each account respectively mentions in the group
Show the message that equity is returned to the trade company；If equity failure is returned, to letter corresponding to the account for failing to return equity
It is reduced with value.
Disclosed herein as well is a kind of consumption contract processing systems to include:
Memory, for storing computer executable instructions；And
Processor is coupled with the memory, for realizing when executing the computer executable instructions as retouched above
The step in method stated.
Disclosed herein as well is be stored with meter in computer readable storage medium described in a kind of computer readable storage medium
Calculation machine executable instruction, the computer executable instructions realize the step in method as previously described when being executed by processor
Suddenly.
In this specification embodiment, user can also be by oneself of the technical program realization and businessman even if insufficient credit
Dynamic pairing and signing.The case where credit value of user can be completed automatically according to consumption contract adjust automatically.
A large amount of technical characteristic is described in this specification, is distributed in each technical solution, if this Shen is set out
Specification please can be made excessively tediously long if the combination (i.e. technical solution) of all possible technical characteristic.In order to avoid this
Problem, each technical characteristic disclosed in this specification foregoing invention content disclose in each embodiment and example below
Each technical characteristic and attached drawing disclosed in each technical characteristic, can freely be combined with each other, to constitute various new
Technical solution (these technical solutions should be considered as have been recorded in the present specification), unless the combination of this technical characteristic
It is technically infeasible.For example, disclosing feature A+B+C in one example, feature A is disclosed in another example
+ B+D+E, and feature C and D are the equivalent technologies means for playing phase same-action, as long as technically selecting a use, it is impossible to same
Shi Caiyong, feature E can be technically combined with feature C, then, the scheme of A+B+C+D should not be regarded because technology is infeasible
To have recorded, and the scheme of A+B+C+E should be considered as being described.
Detailed description of the invention
Fig. 1 is the consumption contract processing method flow diagram according to this specification first embodiment
Fig. 2 is the consumption contract processing system structural schematic diagram according to this specification second embodiment
Specific embodiment
In the following description, in order to make the reader understand this application better, many technical details are proposed.But this
The those of ordinary skill in field is appreciated that even if without these technical details and many variations based on the following respective embodiments
And modification, the application technical solution claimed also may be implemented.
The explanation of part concept:
Server: the computer system of service can be provided to other equipment by referring in network.The object of server service is logical
Frequently referred to terminal or client, can be by wired or wirelessly communicate to connect between server and terminal.Server
Be achieved in that diversified, can be the computer equipment of separate unit, be also possible to the combination (example of multiple stage computers equipment
Such as cluster server, Cloud Server etc.).Server can also be referred to as server-side, cloud etc. in application scenes.
Terminal: also referred to as terminal device is the equipment that network outermost is in computer network or communication network, main to use
In the input and the output of processing result etc. of user information.In addition to the function of input and output, terminal also can be carried out certain fortune
It calculates and handles, realize part system function.
Credit value: a numerical value for measuring the credit confidence level between user, corresponding different credit value is to use
Family is directed to the agreement fulfillment rate under different amount risks.The higher credibility as credit underwriting of credit value is higher.Such as sesame letter
It is exactly a kind of credit value with point.
Credit consuming contract: refer to that user, for guarantee, is made foundation consumption agreement to businessman, obtain quotient with the credit of he or she
The equity that family provides, while itself needs to complete the requirement of consumption contract.Can be used to replace current business community prestore and
The modes such as prepayment.
Consumption contract elements set: referring to a set, includes various elements relevant to consumption contract is signed in the set,
Such as the various interests in consumption contract, the condition that equity is implemented, the lower limit etc. of required credit value.In some embodiments
Middle consumption contract elements set can occur in the form of consuming contract template.
It is described in further detail below in conjunction with embodiment of the attached drawing to this specification.
The first embodiment of this specification is related to a kind of consumption contract processing method, and process is as shown in Figure 1, this method
The following steps are included:
In a step 102, the consumption contract elements set of server publication commerce system, wherein the object of publication includes
Using the first terminal (also may include other terminals) of the first account, consuming contract elements set includes under credit value
Limit, also may include other information, such as benefits information.In one embodiment, terminal can be smart phone, plate electricity
Brain, laptop, desktop computer, smartwatch, Intelligent bracelet have the television set of input function, there is the projection of input function
Machine, personal digital assistant (PDA) etc..
Then into step 104, if first terminal responds the consumption contract elements set, but the first account is corresponding
Credit value be lower than lower limit, then in the group that server creation includes the first account, for first terminal by using other accounts
Other terminals at family send message and invite at least one other account that group is added.Wherein, the corresponding credit value of account is the account
The credit value of family owner.In one embodiment, the mode of first terminal transmission message can be diversified, can be
It directly sends, is also possible in the accessible position of other terminals (such as the friend of social application software to specific terminal
Circle) link is sent, the particular content of the message is obtained after clicking for other terminals.
Specifically, in one embodiment, the user of first terminal (hereinafter referred to as user A, user A use first
Account is known as account A in following example) have found the consumption contract elements set of server publication, and it is desirable that disappeared according to this
Take contract elements set and trade company and sign consumption contract, but the credit value of itself is insufficient for acting as assuring, be unable to complete pairing (or
User A wishes the risk that can share credit value, and the equity of shared consumption contract), so that it may by technical approach (including and
Be not limited to interconnected network mode, Internet of Things net mode, bluetooth, the communication techniques such as sound wave), serve as seed user carry out outward it is secondary
Broadcast sends to other terminals and invites the message that group is added, invites other users and a group X is added altogether.It is assumed that other are used
The user B that account B is used in family uses the user C of account C, using the user D of account D, the message sent in response to user A
Group X is added.Just there are account A, account B, account C, account D in group X at this time.In these users, some users be can be
The message of user A is only received, some can be the message for both having received user A or have received disappearing for the trade company of server publication
Take contract elements set, but the group X that user A is set up is added in still selection.
Then into step 106, server calculates the credit value of group according to the corresponding credit value of account each in group,
If the credit value for calculating the resulting group is higher than lower limit, the corresponding trade company of consumption contract elements set and the group are realized
Pairing and based on consumption contract elements set signature consumption contract.A consumption is generated according to consumption contract elements set to close
About, the signature object of the consumption contract is each account in the trade company and the group using the commerce system.Optionally, it is signing
Using the credit value of the group as guarantee when administration's consumption contract.
Specifically, in one embodiment, for the group X of account A-D composition, server is corresponding according to each account
User A-D credit value calculate group X credit value.The credit value of script user A-D may all be not enough to sign with trade company
Consume contract, but the credit value of group X can exceed that trade company sign consumption contract needed for credit value lower limit so that former
The user for not contracting can complete to contract by way of forming a team.
The calculating opportunity of the credit value of group can be diversified.Optionally, exist to the calculating of the credit value of group
There is new account that group when progress is added.Optionally, to the calculating cycle of the credit value of group triggering (such as triggering daily
Once), it is calculated if the account member of the group changes, does not change, maintain initial value.Optionally, to the credit value of group
Calculating triggered by the member of group, such as triggered manually by the group leader of group by terminal.
The calculation of the credit value of group is also possible to diversified.
Optionally, by the n times side of a constant (such as 1.1) greater than 1 multiplied by the corresponding credit of account each in group
The average value of value obtains the credit value of the group, and wherein n is the number of account in the group, and the number of account is not in the group
More than the scheduled upper limit.
It is alternatively possible to calculate the credit value of group in the following manner:
Wherein, Xi is that i-th of account is corresponding in group X
Credit value, Σ indicate summation operation, n be group X in account number, r is a preset constant, and different consumption contracts is wanted
Element set can set different r,Indicate the number of combinations that r element is taken out from n different elements,It indicates from n
The number of permutations of r element is taken out in different elements.
It is alternatively possible to which highest credit value in each account of group is obtained group multiplied by a COEFFICIENT K greater than 1
Credit value.The coefficient can be with the increased number of the number n of account in group, such as n K=1.1 in 2 to 5 section, and n is 6
K=1.3 in the case of K=1.2 in 10 section, n are greater than 10.
Then into step 108, the equity consumed in contract elements set is divided between each account of group
Match.Specifically, the equity progress technology fission in the consumption contract that trade company is provided, by equity from an exclusive fission of account
It is shared at by each account in entire group.
Then into step 110, according to the performance of consumption contract to credit value corresponding to account each in group
It is updated.Optionally, after the completion of consuming contract, according to the completeness of consumption, the contribution of each account in group is calculated separately
Degree and accounting, and according to the contribution degree and accounting of each account in the group being calculated, to account each in group institute
Corresponding credit value is updated.Optionally, if consumption contract fails to be timely completed, according to account pair each in the group
The consumption degree of equity, into the group, terminal used in each account sends prompt respectively and returns disappearing for equity to trade company
Breath.If returning equity failure, credit value corresponding to the account for failing to return equity is reduced.
In one embodiment, above-mentioned steps 108 and 110 also can be omitted.
The second embodiment of this specification is related to a kind of consumption contract processing system, and structure is as shown in Fig. 2, the consumption
Contract processing system includes:
Release module 201, for consuming contract to using the first terminal of the first account to issue consumption contract elements set
Elements combination may include the lower limit of credit value and the information of equity etc..The corresponding credit value of account is the letter of account owner
With value.
Group creating module 202, for responding the consumption contract elements set and the first account pair in first terminal
The credit value answered be lower than lower limit when creation include the first account group, for first terminal by use other accounts other
Terminal sends message and invites at least one other account that group is added.
Credit computing module 203, for calculating the credit value of group according to the corresponding credit value of account each in group.Group
The calculation of the credit value of group is also possible to diversified.Such as:
Optionally, by the n times side of a constant (such as 1.1) greater than 1 multiplied by the corresponding credit of account each in group
The average value of value obtains the credit value of group, and wherein n is the number of account in group, and the number of account is no more than pre- in group
The fixed upper limit.
It is alternatively possible to calculate the credit value of group in the following manner:
Wherein, Xi is that i-th of account is corresponding in group X
Credit value, n be group X in account number, r is a preset constant, and different consumption contract elements set can be set
Different r,Indicate the number of combinations that r element is taken out from n different elements,It indicates to take out r from n different elements
The number of permutations of a element.
It is alternatively possible to which highest credit value in each account of group is obtained group multiplied by a COEFFICIENT K greater than 1
Credit value.The coefficient can be with the increased number of the number n of account in group, such as n K=1.1 in 2 to 5 section, and n is 6
K=1.3 in the case of K=1.2 in 10 section, n are greater than 10.
Pairing signing module 204 realizes that consumption contract elements set is corresponding when being higher than lower limit for the credit value in group
Trade company and group pairing and based on consumption contract elements set signature consumption contract.In one embodiment, signature consumption
Using the credit value of the group as guarantee when contract.
Mining rights module 205, for will consume the equity in contract elements set between each account of group into
Row distribution.
Credit update module 206, for according to the completeness of consumption, calculating separately the group after the completion of consuming contract
In each account contribution degree and accounting, and credit value corresponding to each account in the group is updated；It is closed in consumption
According to account each in the group to the consumption degree of equity when about failing to be timely completed, into the group, each account is used
Terminal send respectively prompt to trade company return equity message；When returning equity failure to the account institute for failing return equity
Corresponding credit value is reduced.
First embodiment is method implementation corresponding with present embodiment, and the technology in first embodiment is thin
Section can be applied to present embodiment, and the technical detail in present embodiment also can be applied to first embodiment.
It should be noted that it will be appreciated by those skilled in the art that in the embodiment of above-mentioned consumption contract processing system
Shown in each module realization function can refer to it is aforementioned consumption contract processing method associated description and understand.Above-mentioned consumption contract
The function of each module shown in the embodiment of processing system can be by running on the program on processor (executable instruction)
And realize, it can also be realized by specific logic circuit.If the above-mentioned consumption contract processing system of this specification embodiment with
The form of software function module is realized and when sold or used as an independent product, also can store computer-readable at one
It takes in storage medium.Based on this understanding, the technical solution of this specification embodiment substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In, including some instructions use is so that a computer equipment (can be personal computer, server or network equipment etc.)
Execute all or part of each embodiment the method for this specification.And storage medium above-mentioned include: USB flash disk, mobile hard disk,
The various media that can store program code such as read-only memory (ROM, Read Only Memory), magnetic or disk.This
Sample, this specification embodiment are not limited to any specific hardware and software and combine.
Correspondingly, this specification embodiment also provides a kind of computer readable storage medium, wherein being stored with computer
Executable instruction, the computer executable instructions realize each method embodiment of this specification when being executed by processor.It calculates
Machine readable storage medium storing program for executing include permanent and non-permanent, removable and non-removable media can by any method or technique Lai
Realize information storage.Information can be computer readable instructions, data structure, the module of program or other data.Computer
The example of storage medium includes but is not limited to that phase change memory (PRAM), static random access memory (SRAM), dynamic random are deposited
Access to memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electrically erasable are only
Read memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), the more function of number
Can CD (DVD) other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices or it is any its
His non-transmission medium, can be used for storing and can be accessed by a computing device information.As defined in this article, computer-readable to deposit
Storage media does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
In addition, this specification embodiment also provides a kind of consumption contract processing system, calculated including for storing
The memory of machine executable instruction, and, processor；The processor is used to execute the executable finger of the computer in the memory
The step in above-mentioned each method embodiment is realized when enabling.
In one embodiment, which can be used for:
To using the first terminal of the first account to issue consumption contract elements set, consumption contract elements set includes credit
The lower limit of value；
If first terminal responds the consumption contract elements set and the corresponding credit value of the first account is lower than lower limit,
Then server creation include the first account group, for first terminal by use other accounts other terminals send disappear
Breath invites at least one other account that group is added；
The credit value that group is calculated according to the corresponding credit value of account each in group, if under the credit value of group is higher than
Limit then realizes the pairing of trade company and group and based on consumption contract elements set signature consumption contract；
Optionally, the equity consumed in contract elements set is allocated between each account of group；
Optionally, after the completion of consuming contract, according to the completeness of consumption, the contribution degree of each account in group is calculated separately
And accounting, and credit value corresponding to account each in group is updated；If consumption contract fails to be timely completed, root
According to account each in group to the consumption degree of equity, into group, terminal used in each account sends prompt to quotient respectively
The message of family return equity；If returning equity failure, credit value corresponding to the account for failing to return equity is detained
Subtract.
In one embodiment, which can be central processing unit (Central Processing Unit, letter
Claim " CPU "), it can also be other general processors, digital signal processor (Digital Signal Processor, abbreviation
" DSP "), specific integrated circuit (Application Specific Integrated Circuit, referred to as " ASIC ") etc..Before
The memory stated can be read-only memory (read-only memory, referred to as " ROM "), random access memory (random
Access memory, referred to as " RAM "), flash memory (Flash), hard disk or solid state hard disk etc..Each embodiment party of the present invention
The step of method disclosed in formula, can be embodied directly in hardware processor and execute completion, or with hardware in processor and soft
Part block combiner executes completion.In one embodiment, which further includes bus and communication interface.Processing
Device, memory and communication interface are all connected with each other by bus.Communication interface can be wireless communication interface be also possible to it is wired
Communication interface is communicated for enabling a processor to other devices.
It should be noted that relational terms such as first and second and the like are only in the application documents of this patent
For distinguishing one entity or operation from another entity or operation, without necessarily requiring or implying these entities
Or there are any actual relationship or orders between operation.Moreover, the terms "include", "comprise" or its any other
Variant is intended to non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not only
It including those elements, but also including other elements that are not explicitly listed, or further include for this process, method, object
Product or the intrinsic element of equipment.In the absence of more restrictions, the element limited by sentence " including one ", not
There is also other identical elements in the process, method, article or apparatus that includes the element for exclusion.The application of this patent
In file, if it is mentioned that certain behavior is executed according to certain element, then refers to the meaning for executing the behavior according at least to the element, wherein
Include two kinds of situations: executing the behavior according only to the element and the behavior is executed according to the element and other elements.Multiple,
Repeatedly, the expression such as a variety of include 2,2 times, 2 kinds and 2 or more, 2 times or more, two or more.
It is included in the disclosure of the specification with being considered as globality in all documents that this specification refers to,
To can be used as the foundation of modification if necessary.In addition, it should also be understood that, the foregoing is merely the preferred embodiment of this specification and
, it is not intended to limit the protection scope of this specification.It is all this specification one or more embodiment spirit and principle it
Interior, any modification, equivalent replacement, improvement and so on should be included in the protection model of this specification one or more embodiment
Within enclosing.
In some cases, the movement recorded in detail in the claims or step can be suitable in embodiment according to being different from
Sequence executes and still may be implemented desired result.In addition, the process being described in the accompanying drawings not necessarily requires the spy shown
Fixed sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing
It is possible or may be advantageous.
Claims (15)
1. a kind of consumption contract processing method, comprising:
Server to use the first account first terminal issue consumption contract elements set, the consumption contract elements set packet
Include the lower limit of credit value；
If the first terminal responds the consumption contract elements set, and the corresponding credit value of first account is lower than
The lower limit, then in the group that server creation includes first account, for the first terminal by using it
Other terminals of his account send message and invite at least one other account that the group is added；
The server calculates the credit value of the group according to the corresponding credit value of account each in the group, if described
The credit value of group is higher than the lower limit, then realizes the pairing of the consumption contract elements set corresponding trade company and the group
And based on consumption contract elements set signature consumption contract.
2. the method for claim 1, wherein further including the information of equity in the consumption contract elements set；
After the signature consumption contract based on the consumption contract elements set, further includes:
Equity in the consumption contract elements set is allocated between each account of the group.
After 3. the method for claim 1, wherein the server creation is including the group of first account, also
Include:
The first terminal is sent to other terminals indicates to invite the message that the group is added；
The group is added in response to the message using other terminals of other accounts at least one.
4. the method for claim 1, wherein described calculate institute according to the corresponding credit value of account each in the group
The credit value for stating group further comprises:
By the n times side of a constant greater than 1 multiplied by the average value of the corresponding credit value of account each in the group, institute is obtained
The credit value of group is stated, wherein n is the number of account in the group.
5. method as claimed in claim 4, wherein the number of account is no more than the scheduled upper limit in the group.
6. method as claimed in claim 5, wherein it is described based on the consumption contract elements set signature consume contract it
Afterwards, further includes:
After the completion of the consumption contract, according to the completeness of consumption, calculate separately in the group contribution degree of each account and
Accounting, and credit value corresponding to each account in the group is updated.
7. method as claimed in claim 5, wherein it is described based on the consumption contract elements set signature consume contract it
Afterwards, further includes:
If the consumption contract fails to be timely completed, according to account each in the group to the consumption degree of equity, to
Terminal used in each account sends the message that equity is returned in prompt to the trade company respectively in the group；If returning power
Benefit failure, then reduce credit value corresponding to the account for failing to return equity.
8. a kind of consumption contract processing system, comprising:
Release module, for using the first terminal of the first account to issue consumption contract elements set, the consumption contract to be wanted
Element set includes the lower limit of credit value；
Group creating module, for responding the consumption contract elements set and first account pair in the first terminal
Creation includes the group of first account when credit value answered is lower than the lower limit, for the first terminal by using it
Other terminals of his account send message and invite at least one other account that the group is added；
Credit computing module, for calculating the credit value of the group according to the corresponding credit value of account each in the group；
Pairing signing module, realizes the consumption contract elements set when being higher than the lower limit for the credit value in the group
The pairing of corresponding trade company and the group simultaneously consumes contract based on consumption contract elements set signature.
9. system as claimed in claim 8, wherein further include the information of equity in the consumption contract elements set；
The system also includes mining rights module, for by the equity in the consumption contract elements set in the group
It is allocated between each account.
10. system as claimed in claim 8, wherein the credit computing module calculates the group in the following manner
Credit value:
By the n times side of a constant greater than 1 multiplied by the average value of the corresponding credit value of account each in the group, institute is obtained
The credit value of group is stated, wherein n is the number of account in the group.
11. system as claimed in claim 10, wherein the number of account is no more than the scheduled upper limit in the group.
12. system as claimed in claim 11, wherein further include credit update module, for being completed in the consumption contract
Afterwards, according to the completeness of consumption, the contribution degree and accounting of each account in the group are calculated separately, and to each in the group
Credit value corresponding to a account is updated.
13. system as claimed in claim 12, wherein the credit update module be also used to the consumption contract fail by
When consumption degree when completing according to account each in the group to equity, in Xiang Suoshu group used in each account eventually
End sends the message that equity is returned in prompt to the trade company respectively；If equity failure is returned, to the account for failing return equity
Credit value corresponding to family is reduced.
14. a kind of consumption contract processing system, comprising:
Memory, for storing computer executable instructions；And
Processor is coupled with the memory, for when executing the computer executable instructions realize such as claim 1 to
Step in method described in any one of 7.
15. a kind of computer readable storage medium, computer executable instructions are stored in the computer readable storage medium,
The computer executable instructions are realized when being executed by processor in method as claimed in any of claims 1 to 7 in one of claims
Step.
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| CN110880094A (en) * | 2019-10-23 | 2020-03-13 | 支付宝(杭州)信息技术有限公司 | Electronic contract processing method and device and electronic equipment |
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