CN110544143A

CN110544143A - contract establishing method and device for grouping credit project

Info

Publication number: CN110544143A
Application number: CN201910703157.3A
Authority: CN
Inventors: 李�杰
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-07-31
Filing date: 2019-07-31
Publication date: 2019-12-06
Anticipated expiration: 2039-07-31
Also published as: CN110544143B

Abstract

the application provides a method and a device for establishing a contract of a piecing credit project, wherein the method comprises the steps of receiving an invitation application initiated by a contract-receiving party for the piecing credit project; determining a credit contract piecing template based on the offer application and sending the credit contract piecing template to the offeror; receiving a deal order generated after the deal party signs for the credit contract grouping template under the condition that the deal party meets the deal grouping condition; after receiving a signature on the issue ticket by a contracting party, establishing a contract for the piecemeal credit project; the method describes the contract in a computer language formalized mode, realizes automatic establishment of the contract based on a grouping mode, can meet the personalized requirements of users, is flexible, saves time and labor, saves cost, and greatly improves the experience effect of the users; and the contracting party in the contract of the grouping credit item can be restrained in a credit mode, so that the normal fulfillment of the contract is ensured.

Description

Contract establishing method and device for grouping credit project

Technical Field

the present disclosure relates to the field of internet technologies, and in particular, to a method and an apparatus for establishing a contract for a group-pieced credit project, a computing device, and a computer-readable storage medium.

background

the internet is a huge network formed by connecting networks in series, the networks are connected by a set of general protocols to form a logically single huge international network, the method for connecting computer networks together can be called as network interconnection, and on the basis of the method, a global interconnection network covering the whole world is developed and called as the internet, namely, a network structure connected together. With the development of internet technology, the traditional paper face-to-face contract signing mode of contracts is not suitable for modern requirements, the remote contract signing is very troublesome and is not beneficial to saving the cost of the contracts, meanwhile, the execution of the contracts is not well supervised, the unfulfilled contracts cannot be restrained, and in the prior art, only one-to-one contract establishment can be realized when the internet is adopted for contract establishment, and the contract establishment is not flexible.

disclosure of Invention

in view of the above, embodiments of the present disclosure provide a method and an apparatus for establishing a contract for a group credit project, a computing device and a computer-readable storage medium, so as to solve technical defects in the prior art.

according to a first aspect of embodiments herein, there is provided a method of contract establishment for a piecemeal credit project, comprising:

receiving an offer application initiated by an offer recipient for the jig-saw credit project;

determining a credit contract piecing template based on the offer application and sending the credit contract piecing template to the offeror; wherein the credit contract grouping template comprises a sending grouping condition;

receiving a deal order generated after the deal party signs for the credit contract grouping template under the condition that the deal party meets the deal grouping condition;

after receiving a signature on the issue ticket by the contracting party, a contract for the cohesive credit item is established.

optionally, the credit contract piecing template further comprises a contract piecing condition,

accordingly, upon receiving a signature on the issue ticket by a contracting party, contract establishment for the cohesive credit item includes:

And in the case that the contracting party meets the contracting party grouping condition, after receiving a contracting party signature aiming at the contracting party, establishing a contract of the grouping credit item.

Optionally, the credit contract grouping template further includes grouping conditions of appointed objects in the grouping credit project;

Correspondingly, the receiving the issue form generated after the issuing party signs the credit contract piecing template comprises:

And under the condition that the agreed object meets the grouping condition of the agreed object, the contracting party signs the credit contract grouping template to generate a contracting order.

optionally, the credit contract grouping template further comprises grouping conditions of the appointed objects in the grouping credit items,

Correspondingly, after receiving the contracting party signature for the contracting issue order, the contract establishment of the piecing credit item comprises:

And under the condition that the agreed object meets the party-sharing condition of the agreed object, after receiving a signature of a response party on the offer list, establishing a contract of the party-sharing credit item.

optionally, the credit contract piecing template further comprises a should-be piecing condition and a piecing condition of a convention object in the piecing credit project,

and under the condition that the contracting party meets the contracting party piecing condition and the contracted object meets the piecing condition of the contracted object, receiving a contract of the contracting party aiming at the contracting issue single signature, and establishing a contract of the piecing credit item.

Accordingly, receiving the issue form generated by the issuing party after signing the credit contract piecing template comprises:

Under the condition that the agreed object meets the grouping condition of the agreed object, the contracting party signs the credit contract grouping template to generate a contracting order;

Optionally, the receiving the issue form generated after the issuing party signs the credit contract piecing template includes:

Acquiring a signature of the contracting party on the credit contract piecing template;

and after determining that the number of the contracting parties is consistent with the signature number of the credit contract piecing template, receiving a contracting order generated after the contracting parties sign the credit contract piecing template.

Optionally, after the receiving should deal party signs the issue order, the contract establishment of the piecemeal credit item includes:

receiving a signature of the offer order by the offer policy;

and after the number of the signatures of the issue order is determined to be consistent with the number of the counterparty, establishing a contract of the piecing credit item.

Optionally, before the offer application initiated by the offer receiving party for the party credit project, the method further includes:

a credit contract piecing template is pre-established based on the type of the piecing credit terms.

optionally, the offer application includes a piecemeal credit item type;

Determining a credit contract piecing template based on the offer application comprises:

A credit contract piecing template is determined based on the piecing credit item type in the offer application.

optionally, after the establishment of the contract for the piecing credit item, the method further includes:

sending the established contract for the piecemeal credit terms to the offeror and the offeror.

Optionally, after receiving the issue form generated after the issuing party signs the credit contract piecing template, the method further includes:

sending the issue order to an offeror;

And storing the issue order in the case that the offer party does not meet the offer group splicing condition.

receiving a contract closing application for the party credit program by the contracting party;

Sending the contract ending application to the contracting party;

And receiving a grant ending instruction sent by the contracting party after the order corresponding to the grouping credit item is verified, and ending the contract of the grouping credit item.

in a second aspect, an embodiment of the present specification provides a contract establishment apparatus for a group credit item, including:

An offer application receiving module configured to receive an offer application initiated by an offer party for a party credit project;

A template sending module configured to determine a credit contract piece template based on the offer application and send the credit contract piece template to the offeror; wherein the credit contract grouping template comprises a sending grouping condition;

A deal order receiving module configured to receive a deal order generated by the deal party after signing on the credit contract piecing template if the deal party meets the deal piecing condition;

a contract establishment module configured to receive a contract establishment for the cohesive credit item after the contracting party signs the issue ticket.

The contract establishing module further configured to:

The offer receipt receiving module is further configured to:

the contract establishing module further configured to:

the offer receipt receiving module is further configured to:

the contract establishing module further configured to:

optionally, the order-sending-receiving module includes:

an obtaining sub-module configured to obtain a signature of the contracting party on the credit contract piecing template;

and the first determining submodule is configured to receive the issue list generated after the issuing party signs the credit contract piecing template after determining that the number of the issuing parties is consistent with the number of signatures of the credit contract piecing template.

optionally, the contract establishing module includes:

A first receiving sub-module configured to receive a signature of the offer ticket by the offer policy;

And the second determining submodule is configured to establish the contract of the piecemeal credit item after determining that the number of the signatures of the issue order is consistent with the number of the counterparty.

Optionally, the apparatus further comprises:

A template establishment module configured to pre-establish a credit contract piecing template based on the type of the piecing credit item.

optionally, the offer application includes a piecemeal credit item type;

The template sending module is further configured to:

Optionally, the apparatus further comprises:

A first sending module configured to send the established contract for the piecemeal credit item to the offeror and the offeror.

Optionally, the apparatus further comprises:

the second sending module is configured to send the issue list to an offeror;

a storage module configured to store the offer ticket if the offer party does not satisfy the offer-party-piecing condition.

Optionally, the apparatus further comprises:

A second receiving module configured to receive a contract end application by the contracting party for the pieced credit item;

A third sending module configured to send the contract end application to the contracting party;

And the closing module is configured to receive a grant closing instruction sent by the contracting party after the order corresponding to the grouping credit item is verified, and close the contract of the grouping credit item.

In a third aspect, an embodiment of the present specification provides a computing device, including:

A memory and a processor;

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

according to a fourth aspect of embodiments herein, there is provided a computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the contract establishment method for a piecemeal credit item.

The contract establishment method for the spelling group credit project comprises the steps of receiving an invitation application initiated by a contract sending party for the spelling group credit project; determining a credit contract piecing template based on the offer application and sending the credit contract piecing template to the offeror; wherein the credit contract grouping template comprises a sending grouping condition; receiving a deal order generated after the deal party signs for the credit contract grouping template under the condition that the deal party meets the deal grouping condition; after receiving a signature on the issue ticket by a contracting party, establishing a contract for the piecemeal credit project;

The contract establishing method of the grouping credit project describes the contract in a computer language formalized mode, realizes automatic establishment of the contract based on the grouping mode, can meet the personalized requirements of users, is flexible, saves time and labor, saves cost, and greatly improves the experience effect of the users; and the contracting party in the contract of the grouping credit item can be restrained in a credit mode, so that the normal fulfillment of the contract is ensured.

Drawings

FIG. 1 is a flow diagram of a method for contract establishment for a conglomerate credit project according to an embodiment of the present disclosure;

FIG. 2 is a flowchart of a method for establishing a contract for a piecing credit project based on a book borrowing scenario according to an embodiment of the present specification;

fig. 3 is a flowchart of a contract establishment method for a grouping credit item in a borrowing scenario according to an embodiment of the present specification;

fig. 4 is a schematic structural diagram of a contract establishing apparatus for grouping credit items according to an embodiment of the present specification;

Fig. 5 is a schematic structural diagram of a computing device provided in an embodiment of the present specification.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. This application is capable of implementation in many different ways than those herein set forth and of similar import by those skilled in the art without departing from the spirit of this application and is therefore not limited to the specific implementations disclosed below.

the terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

first, the noun terms to which one or more embodiments of the present invention relate are explained.

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

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

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

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

Credit item: based on items participating in credit, such as library book borrowing items, a book borrowing user can participate in the credit item if the credit value of the book borrowing user meets the demand of the library book borrowing for the credit value.

a sending party: an offeror participating in a credit program. For example, the credit item is a library borrowing item, and the sponsor can be a library; where sending out an invitation to other institutions or users to participate in a credit item based on the credit item may be referred to as an offer.

the method comprises the following steps: receiving an invited party participating in a certain credit item, wherein the credit item is a library book borrowing item, and the offeror can be a book borrowing user; wherein acceptance of participation in a credit item may be referred to as an offer.

in the present application, a contract establishing method and apparatus for a group credit project, a computing device and a computer readable storage medium are provided, which are described in detail in the following embodiments one by one.

With the continuous development of the internet technology, the convenience and richness of life can be greatly improved by applying the internet technology to life. Based on the development of the internet technology, the internet of things technology is widely applied to daily life, and electronic contracts are produced in response to transportation, in the prior art, the electronic contracts are only restricted by professional moral and personal literacy of parties of two parties, if one party is damaged, the other party is greatly lost, and under the background, the technology that the two parties of the contracts use a credit platform to restrict the other party based on the credit value is produced in response to transportation.

referring to fig. 1, fig. 1 shows a flowchart of a contract establishment method for a piecemeal credit project, including steps 102 to 108, according to an embodiment of the present disclosure.

Step 102: an offer application initiated by the offer recipient for the jig-saw credit program is received.

In one or more embodiments of the present disclosure, the group credit item includes, but is not limited to, a library book borrowing item, a public welfare activity item, a borrowing item, and the like.

when the group-piecing credit item is a library book borrowing item, the offeror can be the library, and the offeror can be a book borrowing user; when the party-piecing credit project is a public welfare activity project, the contracting party can be an initiator of the public welfare activity project, and the contracting party can be a participant participating in the public welfare activity project; when the party-sharing credit project is a borrowing project, the offeror can be a lending user, and the offeror can be a borrowing user.

the library book borrowing items are credit-based library book borrowing items, the library participates in the credit-based library book borrowing items, after participation is completed, credit value increase and decrease are carried out on the credit account of the library based on the credit platform based on the completion condition of the library, for example, the library borrows books for book borrowing users according to appointed time, and corresponding credit value can be increased for the credit account of the library according to the completion degree of the library; if the library does not lend the book to the book borrowing user according to the contract, the credit value of the credit account of the library can be correspondingly reduced.

the public welfare activity item is a credit-based public welfare activity item, the public welfare activity initiator participates in the credit-based public welfare activity item, and after participation is completed, credit value increase and decrease are carried out on the credit account of the public welfare activity initiator based on the completion condition of the public welfare activity initiator, for example, the credit value of the credit account of the public welfare activity initiator is reduced when the public welfare activity initiator defaults.

the borrowing item is a credit-based borrowing item, the borrowing user participates in the credit-based borrowing item, after participation is completed, credit value increase and decrease are carried out on the credit account of the borrowing user based on the completion condition of the borrowing user, for example, the borrowing user performs an agreement, and the credit value of the credit account of the borrowing user is increased when the borrowing user borrows the borrowing user.

In one or more embodiments of the present specification, before the applying for the offer initiated by the offer receiving party for the party credit project, the method further includes:

the types of the grouping credit items are different, and correspondingly established credit contract grouping templates are also different, for example, the types of the grouping credit items are library types, the correspondingly established credit contract grouping templates are the library-based credit contract grouping templates, and the templates can include book borrowing items, book returning time and the like; the type of the grouping credit project is a public welfare type, the correspondingly established credit contract grouping template is a public welfare-based credit contract grouping template, and the template can comprise public welfare activity items, public welfare activity starting and ending time and the like; the type of the grouping credit project is a borrowing type, the correspondingly established credit contract grouping template is a credit contract grouping template based on borrowing, and the template can comprise the amount of borrowed money, the money returning time and the like.

Step 104: determining a credit contract piecing template based on the offer application and sending the credit contract piecing template to the offeror; wherein the credit contract grouping template comprises a contracting grouping condition.

In one or more embodiments of the present specification, the offer application is a contract invitation issued by the offeror to an offeror, including a piecemeal credit item type.

preferably, determining a credit contract piecing template based on the offer application comprises:

wherein the credit contract grouping template comprises a contracting party grouping condition, and the contracting party grouping condition comprises but is not limited to the number of contracting parties and the like, such as the number of libraries, the number of public service items, the number of borrowing users and the like.

step 106: and receiving a deal order generated after the deal party signs for the credit contract piecing template under the condition that the deal party meets the deal piecing condition.

in one or more embodiments of the present specification, if the agreement sending party agrees on the number of the agreement sending parties, and the number of the agreement sending parties meets the number agreed on by the agreement sending party agreement condition, receiving an agreement sending order generated by the agreement sending party after signing on the credit agreement; and if the number of the offerings does not meet the number of the offerings agreed by the offerings grouping condition, ending the offer application of the offerings.

In a preferred embodiment provided by the present specification, receiving the issue form generated by the issuing party after signing the credit contract piecing template comprises:

specifically, if the offeror meets the offering party grouping condition, the number of signatures of the offeror on the credit contract grouping template is acquired, and after the number of the offeror is determined to be consistent with the number of signatures of the offeror in the credit contract grouping template, an offer order generated after the offeror signs on the credit contract grouping template is received.

In a preferred embodiment provided by the present specification, the credit contract grouping template further includes grouping conditions of the appointed objects in the grouping credit project;

the appointed object in the piecing together credit project is determined based on the piecing together credit project, for example, the piecing together credit project comprises a library book borrowing project, a public welfare project and a borrowing project, and the appointed object in the corresponding piecing together credit project comprises a book, a seed tree and money.

the grouping condition of the appointed object is based on the difference of the appointed object in the grouping credit project, and the grouping condition of the appointed object is also different. If the appointed object in the grouping credit project is money, the grouping condition of the appointed object can be the amount of the appointed money and the like. Then, in the case that the agreed object meets the grouping condition of the agreed object, the contracting party performs signature generation on the credit contract grouping template to generate a contracting order, that is, in the case that the amount of money meets the amount of money agreed in the grouping condition of the agreed object, the contracting party performs signature generation on the credit contract grouping template to generate the contracting order.

Step 108: after receiving a signature on the issue ticket by the contracting party, a contract for the cohesive credit item is established.

the contract establishing method for the grouping credit project provided by the embodiment of the specification is characterized in that after an offer application initiated by the offerer for the grouping credit project is received, a credit contract grouping template is determined based on the type of the grouping credit project in the offer application, after the offerer meets the offer grouping quantity and the offerer signs on the credit contract grouping template, an offer list is generated, and then after the signature of the offerer on the offer list is received, the automatic establishment of the contract for the grouping credit project is realized, so that the contract can set the grouping quantity of the offerer based on the self requirement, the personalized requirement of a user is met, the contract is flexible, the signature of each offerer is required to be established when the contract is established, and the mutual supervision effect can be achieved.

In addition, the establishment of the contract is based on the establishment of the credit of both sides of the contract by the credit platform, the increase and decrease of the credit can be realized for the performance of the contracting parties and the contracting parties of the established grouping credit item, the contracting parties and the contracting parties are restrained based on the credit, the contracting parties or the contracting parties are prevented from losing or destroying one party when performing, the use rate of the credit platform used by the user is greatly improved, and the activity of the credit platform is improved.

In a preferred embodiment provided by the present specification, the credit contract grouping template further comprises a contract grouping condition,

Wherein, the treaty party condition includes, but is not limited to, the number of the treaty parties being agreed, and if the treaty party condition agrees the number of the treaty parties, the number of the treaty parties satisfies the number agreed by the treaty party condition, and the treaty of the treaty credit item is established after receiving the treaty single signature.

the contract establishing method for the cohesive credit project provided by the embodiment of the specification, after receiving an offer application initiated by the offerer for the cohesive credit project, determining a credit contract cohesive template based on the type of the cohesive credit project in the offer application, generating an offer order after the offerer meets the number of the appointment parties and the offerer signs on the credit contract cohesive template, and then, under the condition that the offerer meets the number of the offer parties simultaneously, after receiving the signature of the offerer on the offer order, realizing automatic establishment of the contract for the cohesive credit project, so that the contract can set the number of the agreements between the offerer and the offerer based on self requirements, meets the personalized requirements of users, is flexible, and only the signature of each offerer and each offerer is needed to be established when the contract is established, can play a role of mutual supervision.

in a preferred embodiment provided by the present specification, the contract establishment for the cohesive credit item, upon receiving a single signature from a contracting party for the offer, comprises:

receiving a signature of the offer order by the offer policy;

specifically, under the condition that the contracting party meets the contracting party grouping condition, the signature of the contracting party on the deal issuing order is received, and after the number of the signatures of the contracting party on the deal issuing order is determined to be consistent with the number of the contracting party, the contract of the grouping credit item is established, and the grouping participation of the contracting party in the contract establishing process of the grouping credit item is realized.

preferably, after receiving the issue form generated after the issuing party signs the credit contract piecing template, the method further includes:

sending the issue order to an offeror;

in practical application, the deal list is stored, when the number of the offeree meets the agreement condition of the offeree, the deal list can be continuously sent to the offeror, and the agreement of the party credit item can be established after the offeror signs. The method avoids the process of starting to move from the contracting party again when the contract of the grouping credit project is established, saves time and improves working efficiency.

In a preferred embodiment provided by the present specification, the credit contract grouping template further comprises grouping conditions of the appointed objects in the grouping credit project,

the agreement object may refer to the description of the above embodiment, and taking the agreement object as money as an example, when the money in the party credit item satisfies the amount agreed in the party condition of the agreement object, after receiving the signature of the agreement response party for the offer order, the contract of the party credit item is established.

The contract establishing method for the grouping credit project provided by the embodiment of the specification, after receiving an offer application initiated by the offerer for the grouping credit project, determining a credit contract grouping template based on the type of the grouping credit project in the offer application, generating an offer order after the offerer meets the offer grouping quantity and the offerer signs on the credit contract grouping template, and then under the condition that the agreed object in the grouping credit project also meets the grouping condition, after receiving the signature of the offerer on the offer order, realizing automatic establishment of the contract for the grouping credit project, so that the contract can set the grouping quantity of the offerer and the definition of the agreed object based on the self-demand, meet the personalized demand of the user, is flexible, and the signature of each offerer is required to be established when the contract is established, can play a role of mutual supervision.

in a preferred embodiment provided by the present specification, the credit contract grouping template further comprises a grouping condition of the offer and a grouping condition of the appointed object in the grouping credit item,

taking the agreement condition as the amount of the agreement party and the agreement object in the agreement credit project as money as an example, in this embodiment, when the amount of the agreement party satisfies the amount of the agreement party agreed by the agreement condition and the money satisfies the amount agreed by the agreement condition of the agreement object, after receiving the signature of the agreement party for the issue order, the agreement of the agreement credit project is established.

The contract establishing method for the party credit project provided by the embodiment of the specification, after receiving an offer application initiated by the offerer for the party credit project, determining a credit contract party template based on the type of the party credit project in the offer application, generating an offer order after the offerer meets the offer party quantity and the offerer signs on the credit contract party template, and then, under the condition that the agreement object and the party in the party credit project also meet the agreement condition, receiving the signature of the party on the offer order, realizing automatic establishment of the contract for the party credit project, so that the contract can set the offer party quantity and the definition of the agreement object based on the self-demand, meet the personalized demand of the user, is flexible, and the signature of each offerer and the party in the contract establishment can be established only when the contract is established, can play a role of mutual supervision.

still taking the agreement condition as the agreement on the number of the agreement parties and the agreement object in the agreement credit project as money, in this embodiment, when the money in the agreement credit project meets the amount agreed by the agreement condition of the agreement object, the agreement party signs the agreement template on the credit contract to generate an agreement issue order, and when the number of the agreement parties meets the number of the agreement parties agreed by the agreement condition, the agreement of the agreement credit project is established after the agreement issue order is signed by the agreement party.

the contract establishing method for the grouping credit project provided by the embodiment of the specification, after receiving an offer application initiated by the offerer for the grouping credit project, determines a credit contract grouping template based on the type of the grouping credit project in the offer application, generates an offer order after the offerer meets the offering grouping number, the grouping conditions are met by the agreed object in the grouping credit project at the same time, and the offerer signs on the credit contract grouping template, and then realizes automatic establishment of the contract for the grouping credit project after receiving the signature on the offer order from the offerer under the condition that the grouping number of the offerer also meets the grouping conditions, so that the contract can set the grouping number of the offerer and the definition of the agreed object based on the demand of the contract, meets the personalized demand of the user, and is flexible, and when the contract is established, the signature of each contracting party and each contracting party is needed to be established, and the mutual supervision function can be realized.

in one or more preferred embodiments of the present specification, after the establishment of the contract for the piecemeal credit item, the method further includes:

In practice, after the establishment of the contract for the piecemeal credit terms, the established contract for the piecemeal credit terms is sent to the offeror and the counterparty for a single share.

in the method for establishing a contract for a group-pieced credit item provided by this embodiment, the number of the offerer and the offeree has no special requirement, and no matter how many the offerer and the offeree are, the established contract for the group-pieced credit item is one contract, and then the contract is sent to the offerer and the offeree respectively, without contract customization according to the number of the offerer and the offeree or regions, which saves time, labor and cost.

sending the contract ending application to the contracting party;

in the method for establishing a contract for a cohesive credit item provided in this embodiment, after the contract for the cohesive credit item is established, the contract for the cohesive credit item needs to be monitored in real time, and after receiving an instruction sent by the contracting party that the contracting party has performed, the contract for the cohesive credit item is ended. In practical application, the contract of the group-pieced credit item carries an order identifier of an order corresponding to the group-pieced credit item, after an invitation request for ending of the offeree is received, the order of the offeree and the offeree is called through an order interface of the offeree based on the order identifier, then the performance of the order is verified, for example, whether the order is returned or not, whether the appointed time is exceeded or not, and the contract of the group-pieced credit item is ended under the condition that the verification is passed.

Referring to fig. 2, a contract establishment method for grouping credit items provided by one or more embodiments of the present disclosure is applied in a library scenario, including steps 202 to 210.

step 202: receiving an offer application initiated by a library for a group credit borrowing item, the offer application including a type of the group credit borrowing item.

Step 204: a credit contract pooling template is determined based on the type of the pooling credit borrowing item.

step 206: and in the case that the number of the libraries is three, acquiring the signature of each library on the credit contract piecing template.

step 208: after the number of the three libraries is determined to be consistent with the number of the signatures of the credit contract piecing template, the three libraries are received, and a contract forming order is generated after the signatures of the credit contract piecing template are received.

step 210: and sending the issue list to a book borrowing user, and after receiving the signature of the book borrowing user on the issue list, establishing a contract of the group credit book borrowing project.

In practical applications, the number of book borrowing users and the number of book borrowing users can also be limited, for example, when the number of libraries is satisfied and the number of book borrowing is satisfied, the establishment of contracts can be realized; or the contract can be established only when the number of libraries is satisfied and the number of book borrowing users is satisfied; or the contract can be established only when the number of libraries, the number of book borrowing users and the number of book borrowing users are all satisfied, and the contract can be set according to the actual situation, which is not limited in the present application.

according to the contract establishment method for the group-piecing credit project, the contract establishment of the group-piecing credit book borrowing project is realized under the condition that the number of libraries meets the group-piecing condition, the group-piecing of the libraries in the group-piecing credit book borrowing project can comprehensively arrange books of a plurality of libraries, the types and the number of books stored in the libraries are enriched, the diversified requirements of book borrowing users are met under the condition that the book borrowing users borrow books based on the group-piecing condition, and the user experience is improved.

Referring to fig. 3, a method for establishing a contract for a piecing credit project according to one or more embodiments of the present disclosure is applied to a borrowing scenario, including steps 302 to 312.

step 302: receiving an offer application initiated by the user 1 for the jig-saw credit debit item, the offer application including a type of the jig-saw credit debit item.

step 304: a credit contract pooling template is determined based on the type of the pooled credit loan item.

step 306: and acquiring the signature of the contracting user 1 on the credit contract uniting template under the condition that the identity verification of the contracting user 1 is passed.

Step 308: the receiving user 1 generates a contract order after signing the credit contract collage template.

step 310: and sending the issue sheet to an offer user.

Step 312: and under the condition that two offer users are determined, namely an offer user 2 and an offer user 3, and the total withdrawal amount of the offer user 2 and the offer user 3 is fifty thousand, so that the withdrawal amount of the offer user 1 is met, after the signatures of the offer user 2 and the offer user 3 on the offer list are received, establishing the agreement of the party credit withdrawal item.

In practical application, the number of the offering users and the amount of money to be borrowed by the offering users may also be limited, for example, when the number of the offering users reaches 3, the amount of money to be borrowed reaches fifty thousand, and 3 offering users can generate an offer list after signing on the credit contract grouping template, and specifically, the number may be set according to practical situations, which is not limited in this application.

according to the contract establishment method for the group-pieced credit projects, the contract establishment of the group-pieced credit borrowing projects is realized under the condition that the borrowing amounts of the lending user, the lending user and the lending user meet the group-piecing conditions, the contract establishment of failed group-pieced credit projects is avoided under the condition that the lending user is insufficient or the loan amount does not reach the borrowing amount of the lending user, and the user experience effect is improved.

Referring to fig. 4, fig. 4 is a schematic structural diagram illustrating a contract establishment apparatus for grouping credit items according to an embodiment of the present specification, where the apparatus includes:

An offer application receiving module 402 configured to receive an offer application initiated by an offer party for a party credit project;

a template sending module 404 configured to determine a credit contract piece template based on the offer application and send the credit contract piece template to the offeror; wherein the credit contract grouping template comprises a sending grouping condition;

A deal order receiving module 406 configured to receive a deal order generated by the contracting party after signing on the credit contract piecing template if the contracting party satisfies the contract piecing condition;

A contract establishment module 408 configured to receive a contract establishment for the cohesive credit item after the contracting party signed the issue ticket.

the contract establishment module 408 is further configured to:

The offer receipt receiving module 406 is further configured to:

The contract establishment module 408 is further configured to:

the contract establishment module 408 is further configured to:

The offer receipt receiving module 406 is further configured to:

The contract establishment module 408 is further configured to:

Optionally, the order-sending-receiving module 406 includes:

optionally, the contract establishing module 408 includes:

optionally, the apparatus further comprises:

Optionally, the offer application includes a piecemeal credit item type;

The template sending module 404 is further configured to:

optionally, the apparatus further comprises:

the second sending module is configured to send the issue list to an offeror;

Optionally, the apparatus further comprises:

The contract establishing device for the spelling group credit project provided by the specification receives an invitation application initiated by an invitation party for the spelling group credit project through an invitation application receiving module; determining, by a template sending module, a credit contract piecing template based on the offer application and sending the credit contract piecing template to the offeror; wherein the credit contract grouping template comprises a sending grouping condition; then receiving an appointment list generated after the appointment party signs on the credit contract grouping template through an appointment list receiving module under the condition that the appointment party meets the appointment grouping condition; finally, after a contract establishing module receives a signature of the contracting party on the issue order, establishing a contract of the grouping credit item;

the contract establishing device for the grouping credit project describes the contract in a computer language formalized mode, realizes automatic establishment of the contract based on a grouping mode, can meet the personalized requirements of users, is flexible, time-saving and labor-saving, saves cost, and greatly improves the experience effect of the users; and the contracts of the grouping credit items can be restrained in a credit mode, so that the binding performance and the execution capacity of the contracts are ensured.

FIG. 5 illustrates a block diagram of a computing device 500, according to an embodiment of the present description. The components of the computing device 500 include, but are not limited to, a memory 510 and a processor 520. Processor 520 is coupled to memory 510 via bus 530, and database 550 is used to store data.

computing device 500 also includes access device 540, access device 540 enabling computing device 500 to communicate via one or more networks 560. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 540 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

in one embodiment of the present description, the above-described components of computing device 500, as well as other components not shown in FIG. 5, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 5 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 500 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 500 may also be a mobile or stationary server.

Wherein processor 520 is configured to execute the following computer-executable instructions:

receiving a signature of the offer order by the offer policy;

Optionally, the offer application includes a piecemeal credit item type;

Sending the issue order to an offeror;

receiving a contract closing application for the party credit program by the contracting party; sending the contract ending application to the contracting party; and receiving a grant ending instruction sent by the contracting party after the order corresponding to the grouping credit item is verified, and ending the contract of the grouping credit item.

the above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the contract establishment method for the pieced-together credit items belong to the same concept, and details of the technical solution of the storage medium, which are not described in detail, can be referred to the description of the technical solution of the contract establishment method for the pieced-together credit items.

An embodiment of the present application further provides a computer-readable storage medium storing computer instructions, which when executed by a processor, implement the steps of:

receiving a signature of the offer order by the offer policy;

optionally, the offer application includes a piecemeal credit item type;

sending the issue order to an offeror;

sending the contract ending application to the contracting party;

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

the computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the above-mentioned method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present application is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

in the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present application disclosed above are intended only to aid in the explanation of the application. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the application and the practical application, to thereby enable others skilled in the art to best understand and utilize the application. The application is limited only by the claims and their full scope and equivalents.

Claims

1. a method for establishing a contract for a conglomerated credit item, comprising:

2. The method of claim 1, wherein the credit contract piecing template further comprises a treaty piecing condition,

3. The method of claim 1, wherein the credit contract piecing template further comprises a piecing condition for a given object in a piecing credit project;

4. The method of claim 1, wherein the credit contract piecing template further comprises a piecing condition for a given object in a piecing credit project,

5. The method of claim 1, wherein the credit contract piecing template further comprises a treaty piecing condition and a piecing condition of a contracted object in a piecing credit project,

6. The method of claim 1, wherein the credit contract piecing template further comprises a treaty piecing condition and a piecing condition of a contracted object in a piecing credit project,

7. the method of claim 1, wherein receiving the issue ticket generated by the issuing party after signing the credit contract piecing template comprises:

8. The method of claim 1, wherein after receiving the treaty order signature for the treaty order, the contract establishment for the cohesive credit item comprises:

receiving a signature of the offer order by the offer policy;

9. The method of claim 1, wherein prior to receiving an offer application initiated by the offer recipient for the party credit program, further comprising:

10. The method of claim 9, wherein the offer application includes a jig credit item type;

11. The method of any one of claims 1 or 8, wherein after the establishment of a contract for a piecemeal credit project, further comprising:

12. the method of claim 2, wherein after receiving the offer generated after the offer is signed by the offer party against the credit contract piecing template, further comprising:

sending the issue order to an offeror;

13. The method of claim 1, wherein after the contract for the conglomerated credit item is established, further comprising:

Sending the contract ending application to the contracting party;

14. A contract establishment apparatus for grouping credit items, comprising:

15. a computing device, comprising:

A memory and a processor;

16. A computer-readable storage medium storing computer instructions, which when executed by a processor, perform the steps of the method of any one of claims 1 to 13.