CN110555593B

CN110555593B - Method and device for processing issue of credit contract system

Info

Publication number: CN110555593B
Application number: CN201910704377.8A
Authority: CN
Inventors: 李�杰
Original assignee: Advanced New Technologies Co 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: 2023-03-07
Anticipated expiration: 2039-07-31
Also published as: CN110555593A

Abstract

The application provides a method and a device for issue processing under a credit contract system, wherein the issue processing under the credit contract system comprises the following steps: generating an interface calling request based on the detected touch action; calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an order number corresponding to an order generated by an issuing party after signing on a credit contract template of a target service; acquiring a page access address of a signing page returned by calling the address storage interface, wherein the signing page comprises the issue list; and analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to the user to be offered based on the image identification code.

Description

Method and device for processing issue of credit contract system

Technical Field

The application relates to the technical field of internet, in particular to an issuing processing method under a credit contract system. The application also relates to an offer processing device under the credit contract system, an electronic device and a computer readable storage medium.

Background

The library is a mechanism for collecting, arranging and collecting book data for reading and reference, can provide the most complete learning conditions for the people, comprises places, resources and equipment, and can be used for the readers to learn by themselves for a long time.

In the prior art, a user can borrow books from a library through a book borrowing card, the book borrowing mode is gradually changed, manual borrowing is changed into existing self-service borrowing, namely, a reader borrows books through a self-service borrowing machine, and the existing self-service borrowing and returning book form is more and more popular with readers and gradually becomes a new service mode.

However, as society develops, the service mode of self-help borrowing and returning books gradually exposes some disadvantages, for example, because there are not too many restrictions for the returning operation of the user in the current book borrowing mode, the situation that the reader does not return the book for a long time after borrowing the book occurs sometimes, which causes great loss to the library.

Disclosure of Invention

In view of this, the embodiment of the present application provides an offer processing method under a credit contract system. The application also relates to an offer processing device under the credit contract system, an electronic device and a computer readable storage medium, which are used for solving the technical defects in the prior art.

The application provides a method for processing issue of a credit contract system, which comprises the following steps:

generating an interface calling request based on the detected touch action;

calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an order number corresponding to an order generated by an issuing party after signing on a credit contract template of a target service;

acquiring a page access address of a signing page returned by calling the address storage interface, wherein the signing page comprises the issue list;

and analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to the user to be offered based on the image identification code.

Optionally, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:

when the situation that the user to be contracted scans the image identification code through the mobile equipment is detected, popping up the signing page on the mobile equipment interface of the user to be contracted;

and if the situation that the user to be contracted clicks the joining button of the signed page is detected, determining the execution result of the user to be contracted aiming at the invitation request as the confirmation joining.

detecting an execution action acted on the signing page by the user to be contracted, and determining an execution result according to the execution action;

if the execution result is that the user is confirmed to join, judging whether the user to be contracted opens a personal credit system or not;

if the user to be contracted does not open the personal credit system, prompting the user to be contracted to open the personal credit system;

and if the user to be contracted opens the personal credit system, sending a prompt message of successful contracting to the user to be contracted.

Optionally, if the execution result is that joining is confirmed, and before the step of determining whether the user to be offered opens the personal credit system is executed, the method further includes:

judging whether the user to be contracted completes real-name authentication or not;

if the user to be contracted does not finish the real-name authentication, prompting the user to enter a real-name authentication process;

and if the user to be contracted completes the real-name authentication, executing the step of judging whether the user to be contracted opens a personal credit system.

detecting an execution action of the user to be contracted acting on the signing page, and determining an execution result according to the execution action;

if the execution result of the execution action is detected to be the confirmation of joining, generating a credit information acquisition instruction of the user to be contracted based on the execution result;

acquiring credit information and an offer condition of the user to be offered according to the credit information acquisition instruction;

under the condition that the credit information of the user waiting for approving meets the approving condition, sending a prompt message of successful approving to the user waiting for approving;

and sending prompt information of response failure to the user to be responded when the credit information of the user to be responded does not meet the response condition.

Optionally, the credit information comprises credit point information and credit limit information;

correspondingly, when the credit information of the user to be contracted meets the contracting condition, sending the prompt message of successful contracting to the user to be contracted comprises:

under the condition that the credit point information and the credit limit information of the user to be contracted both meet the contracting condition, sending a prompt message of successful contracting to the user to be contracted;

correspondingly, the sending of the prompt message of the settlement failure to the user to be settled under the condition that the credit information of the user to be settled does not meet the settlement condition comprises:

and sending a prompt message of failure of the offer to the user to be offered under the condition that the credit point information and the credit line information of the user to be offered do not meet the offer condition.

Optionally, the method for processing issuance under the credit contract system further includes:

under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, sending a prompt message of successful offering to the user to be offered, and marking an additional limiting condition of successful offering of the user to be offered in the prompt message;

and/or

And under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, recommending other offerings for the user to be offered, wherein the credit information of the user to be offered meets the offering condition of other offerings.

Optionally, after the step of popping up the subscription page on the mobile terminal interface of the user to be contracted is executed, the method further includes:

if the execution result of the execution action is detected to be the confirmation of joining, acquiring the current position information of the user to be contracted and the geographical position information of the contracting party;

judging whether the distance between the user to be contracted and the contracting party is smaller than or equal to a preset distance threshold value or not;

if yes, sending a prompt message of successful offer to the user to be offered;

if not, sending a prompt message of response failure to the user to be responded.

Optionally, the generating an interface call request based on the detected touch action includes:

generating an interface calling request based on a touch action detected by the embedded equipment of the sponsor, wherein the touch action comprises a touch action of a virtual key acting on a touch interactive interface of the embedded equipment and a touch action of a physical key acting on the embedded equipment.

The application also provides an offer processing device under the credit contract system, which comprises:

a request generation module configured to generate an interface call request based on the detected touch action;

the interface calling module is configured to call an address storage interface based on the interface calling request, and calling parameters in the interface calling request comprise an order number corresponding to an order generated by an issuing party after the issuing party signs a contract based on a credit contract template of a target service;

the address acquisition module is configured to acquire a page access address of a signed page returned by the address storage interface, wherein the signed page comprises the issue list;

and the request sending module is configured to analyze the page access address to generate an image identification code corresponding to the signing page and initiate an offer request to the user to be offered based on the image identification code.

Optionally, the offer processing device under the credit contract system further includes:

running a page popping device under the condition that the user to be contracted is detected to scan the image identification code through mobile equipment;

the page popup device is configured to popup the contract signing page on a mobile device interface of the user to be contracted;

if the user to be contracted clicks the joining button of the contracted page, operating an execution result determining module;

the execution result determining module is configured to determine an execution result of the offer request by the offer pending user as a confirmation join.

Optionally, the deal issuing processing device under the credit contract system further includes:

the first execution action detection module is configured to detect an execution action acted on the signing page by the user to be contracted, and determine an execution result according to the execution action;

if the execution result is the confirmation of joining, operating a first judgment module;

the first judging module is configured to judge whether the user to be contracted opens a personal credit system;

if the operation result of the first judgment module is that the user to be contracted does not open the personal credit system, operating a first prompt module;

the first prompting module is configured to prompt the user to be contracted to open a personal credit system;

if the operation result of the first judgment module is that the user to be contracted has opened the personal credit system, a first prompt message sending module is operated;

the first prompt message sending module is configured to send prompt messages of successful offers to the user to be offered.

if the execution result is the confirmation of joining, operating a second judgment module;

the second judging module is configured to judge whether the user to be contracted completes real-name authentication;

if the operation result of the second judgment module is that the user to be contracted does not complete the real-name authentication, a second prompt module is operated;

the second prompting module is configured to prompt the user to be contracted to enter a real-name authentication process;

and if the operation result of the second judgment module is that the user to be contracted has finished the real-name authentication, operating the first judgment module.

the second execution action detection module is configured to detect an execution action acted on the signing page by the user to be contracted, and determine an execution result according to the execution action;

if the execution result is the confirmation addition, the instruction generation module is operated;

the instruction generating module is configured to generate a credit information acquisition instruction of the user to be contracted based on the execution result;

the information acquisition module is configured to acquire the credit information and the offer condition of the user to be offered according to the credit information acquisition instruction;

the second prompt information sending module is configured to send prompt information that the offer is successful to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;

the third prompt information sending module is configured to send prompt information of response failure to the user to be provisioned when the credit information of the user to be provisioned does not meet the response condition.

Optionally, the request generating module is further configured to:

generating an interface calling request based on a touch action detected by the embedded device of the offerer, wherein the touch action comprises a touch action of a virtual key of a touch interactive interface acting on the embedded device and/or a touch action of a physical key acting on the embedded device.

The present application further provides an electronic 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:

generating an interface calling request based on the detected touch action;

The present application also provides a computer readable storage medium storing computer instructions that, when executed by a processor, implement the steps of the method of issue processing under the credit contract architecture.

Compared with the prior art, the method has the following advantages:

the application provides a method for processing issue under a credit contract system, which comprises the following steps: generating an interface calling request based on the detected touch action; calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an appointment list number corresponding to an appointment list generated by an appointment maker after signing on a credit contract template of a target service; acquiring a page access address of a signing page returned by calling the address storage interface, wherein the signing page comprises the issue list; and analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to the user to be offered based on the image identification code.

According to the method for processing the issue under the credit contract system, an interface calling request is generated based on the touch action of a user to be issued, an issue list number is used as an interface calling parameter calling address storage interface, an image identification code corresponding to a signed page is generated by analyzing a page access address in a received interface calling result, the image identification code is displayed to the user to be issued to respond to the touch action of the user to be issued, the image identification code corresponds to the signed page, and the signed page contains the issue list, so that the restriction on the condition of the user to be issued can be realized through the image identification code, and the risk that the user to be issued does not perform according to regulations after being issued is reduced.

Drawings

Fig. 1 is a flowchart of an offer processing method under a credit contract system according to an embodiment of the present application;

fig. 2 is a schematic diagram of a user code scanning interface in an offer processing method under a credit contract system according to an embodiment of the present application;

fig. 3 is a schematic diagram of a contracted page in an offer processing method under a credit contract system according to an embodiment of the present application;

fig. 4 is a schematic diagram of a borrowing failure interface in an offer processing method under a credit contract system according to an embodiment of the present application;

fig. 5 is a schematic diagram of an offer processing method applied to a credit contract system of a credit borrowing project according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of an offer processing apparatus under a credit contract system according to an embodiment of the present application;

fig. 7 is a block diagram of an electronic device according to an embodiment of the present application.

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 this 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 should 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" \8230; "or" when 8230; \8230; "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.

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

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

"liability" defines the liability of a default party to undertake, such as recording a default event in the default party's credit, reducing the default party's credit score, or making fines to the default party;

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

The application provides an offer processing method under a credit contract system. The present application further provides an offer processing apparatus under a credit contract system, an electronic device, and a computer-readable storage medium, which are respectively described in detail below with reference to the drawings of the embodiments provided in the present application.

The embodiment of the method for issuing the contract under the credit contract system provided by the application is as follows:

referring to fig. 1, a flow chart of a method for issuing a contract under a credit contract system according to the present embodiment is shown, which includes steps 102 to 108.

And 102, generating an interface calling request based on the detected touch action.

The method for issue processing under the credit contract system provided by the embodiment of the application is applied to credit book borrowing projects or credit public interest projects, different from the traditional service mode, the embodiment integrates the credit contract into the library projects and the public interest projects, constructs the credit system between the user to be issued and the issuing party based on the credit contract, and completes corresponding business processing based on the constructed credit system.

The credit book borrowing item is that a credit contract is established between a library and a user on the basis of the credit information of the user when the credit information of the user meets book borrowing conditions set by the library, so that the user can borrow books without a deposit and a book borrowing card, and the library updates the credit information of the user according to whether the user performs on time. In the credit book borrowing project, the contracting party is a library and the contracting party is a user.

The credit public welfare project is that a credit contract is established between a public welfare activity initiator and a user on the basis of the credit information of the user when the credit information of the user meets public welfare activity participation conditions set by the public welfare activity initiator, the user can participate in public welfare activity, and the public welfare activity initiator updates the credit information of the user according to whether the user performs on time. In the credit public service project, the contracting party is a public service activity initiator, and the contracting party is a user participating in the public service activity.

The credit contract is a technical solution which is based on the guarantee of a user by using the credit, collects the credit behavior of the user to form a set of credit value standard through a computer system, and replaces money, securities or physical objects with the credit standard to serve as guarantee money or collateral objects so that the user establishes a contract with another user. The credit value is used as guarantee, and the method can replace the method of using common general equivalent methods such as currency, securities and the like as a guarantee fund and a collateral in some original fields.

The sponsor is the initiator of the activity and initiates an offer request to join the activity to other users to be offered. If the user to be contracted receives the invitation request and agrees to join the activity, the user to be contracted is the contracting party, before the contracting party initiates the invitation request, the contracting party firstly signs a contract template generated aiming at the activity to generate a contracting order, and sends the contracting order to the user to be contracted to join the activity while initiating the invitation request to other users. And establishing connection between the user to be contracted and the contracting party through the credit contract.

Specifically, the credit account information of the contracting party is stored in the credit platform, and the credit account information includes detailed credit information of the contracting party, after the contracting party establishes a credit contract with the contracting party, the credit information of the contracting party is updated according to the specific performance condition of the contracting party, namely, under the condition that the contracting party performs on time, the credit platform awards credit to the contracting party according to contract award terms in the credit contract, credit points are added for the contracting party, and under the condition that the contracting party does not perform on time, the credit platform awards credit to the contracting party according to contract penalty terms in the credit contract, namely, partial credit points of the contracting party are deducted.

When the method is implemented specifically, an embedded device also exists in the device of the contracting party, and the contracting user sends a contracting request to the contracting party through a touch action acting on the embedded device. The user to be contracted sends the contracting application to the sender by clicking a virtual key of a touch interactive interface of the embedded equipment or clicking a physical key of the embedded equipment. And the issuing party generates an interface calling request based on the touch action detected by the embedded equipment and carries out interface calling.

Specifically, for example, if the user wants to borrow a book, the user may send a book borrowing request to the library by clicking a virtual key "credit book borrowing" on the touch interactive interface of the embedded device. The library generates an interface calling request based on the touch action detected by the embedded device.

And 104, calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an order number corresponding to an order generated by an order sender after signing on the basis of a credit contract template of the target service.

Before the embedded equipment detects the touch action of the user to be contracted, the contracting party sends a contracting application to the service system in advance, carries out signature on a contract template returned by the service system to generate a contracting order, and stores the contracting order and a corresponding contracting order number. After the embedded device detects a touch action of a user to be contracted, the contracting party generates an interface calling request based on the touch action, sends the interface calling request to a service platform and receives an interface calling result, and specifically, the service platform can be a long connection platform.

The page access address of the contract page is stored in the address storage interface of the service platform, and the contract page comprises a contract issuing order generated by the contract-issuing party after signing based on the contract template, so that the contract-issuing party can take the contract-issuing order number corresponding to the contract-issuing order as an interface calling parameter to carry out interface calling.

Still taking a credit book borrowing project as an example, before an embedded device of a library detects a touch action of a user to be contracted, the library sends an appointment issuing application to a service system in advance, a service related to the appointment issuing application is a book borrowing service, a contract template returned by the service system is signed to generate an appointment list, and the appointment list and a corresponding appointment list number are stored.

The contract signing page is a page which is displayed on the mobile terminal interface of the user to be contracted by the library and is used for the user to be contracted. The contract-making page includes the offer list, and the user to be signed can check the offer list on the contract-making page to select whether the offer should be made, assuming that the content of the offer list is 'returning to books within 30 days and accumulating credit points'. Because the page access address of the contract page is stored in the address storage interface of the service platform, and the contract page comprises the contract order generated by the contract-issuing party after signing based on the contract template, the contract-issuing party can take the contract order number corresponding to the contract order as an interface calling parameter to carry out interface calling.

After the embedded device detects that a user to be contracted sends a book borrowing application to a library by clicking a touch action of a virtual key 'credit book borrowing', the library determines that the contract service of the user to be contracted is a book borrowing service by the touch action of the user to be contracted, acquires an appointment making number corresponding to the appointment making number related to the book borrowing service, generates an interface calling request, uses the appointment making number as an interface calling parameter, generates an interface calling request based on the touch action, sends the interface calling request to a service platform, and receives an interface calling result.

And 106, acquiring a page access address of the signing page returned by the address storage interface after being called, wherein the signing page comprises the issue list.

Specifically, a page access address of a contract page is stored in an address storage interface of the service platform, and the contract page includes an issue sheet generated after the issue party signs based on a contract template, so that the issue party can use an issue sheet number corresponding to the issue sheet as an interface calling parameter to perform interface calling.

For example, after the embedded device detects a touch action of a user to be contracted, the library generates an interface calling request based on the touch action and sends the interface calling request to the service platform, wherein interface calling parameters carried in the calling request include a contracting order number. After receiving the address storage interface calling request, the service platform calls an interface according to a calling parameter carried in the request, and returns an interface calling result, that is, returns a page access address of a contracted page in the address storage interface, wherein in practical application, the page access address may be a Uniform Resource Locator (URL).

And 108, analyzing the page access address to generate an image identification code corresponding to the signing page, and initiating an offer request to the user to be offered based on the image identification code.

And the appointment party receives the page access address of the signing page returned by the calling of the address storage interface, and if the page access address is a URL (uniform resource locator) address, the appointment party analyzes the URL address by using an analyzer after receiving the URL address to generate the image identification code corresponding to the signing page.

Specifically, the image identification code comprises a two-dimensional code, a bar code or other identifiable codes.

In one embodiment provided by the application, after an invitation request is initiated to a user to be invited based on the image identification code, the execution action of the user on the image identification code is continuously detected; if the fact that the user to be contracted scans the image identification code through the mobile equipment is detected, popping up the signing page on the mobile equipment interface of the user to be contracted under the condition that the code scanning of the user to be contracted is successful; and when the situation that the user to be contracted clicks a joining button of the contract signing page is detected, determining an execution result of the user to be contracted for aiming at the invitation request as confirmation joining. Specifically, a schematic diagram of an interface for a user to scan a code through a mobile device is shown in fig. 2.

In addition, if the user to be signed does not scan the code or does not confirm the joining after scanning the code, the user to be signed is not processed.

For example, assuming that the image identification code is a two-dimensional code, a user to be contracted sends a book borrowing application to a library by clicking a touch action of a virtual key 'credit book borrowing' of a touch interactive interface of the embedded device, the library generates an interface calling request based on the touch action, sends the interface calling request to the service platform, receives a returned URL (uniform resource locator) address, and analyzes the URL address by using an analyzer to generate a two-dimensional code corresponding to a contracted page; if the user to be contracted scans the two-dimensional code through the mobile terminal, after the code scanning is successful, a contracted page is displayed on a mobile terminal interface of the user to be contracted, the contracted page comprises a contract issuing order of a library, and the contract issuing order is supposed to contain contents of 'returning to books within 30 days and accumulating credit points', namely, the contract issuing order is equivalent to a credit agreement. If the user views the offer form and approves the contents in the offer form, the virtual key 'i want to join' of the contract page can be clicked to join the credit contract. Specifically, the contract page is shown in fig. 3.

In one embodiment provided by the present application, after the step of initiating an offer request to a user to be offered based on the image identification code is executed, the method further includes:

Specifically, following the above example, if the user views the issue ticket and confirms the content in the issue ticket, and clicks the virtual key "i want to join" of the contracted page, the execution result may be determined as confirmation of joining; whether the user to be contracted opens a personal credit system can be continuously judged; the precondition that the user to be waited for appointment wants to successfully join the credit agreement is that a personal credit system is opened, if the user to be waited for appointment is not opened, the credit agreement is failed to join, namely, the book borrowing is failed, and the system can send prompt information for opening the personal credit system to the user to be waited for appointment; if the credit agreement is opened, the credit agreement is successfully added, namely the book borrowing is successful. The interface for the book borrowing failure is shown in fig. 4, and the user is prompted to temporarily disable the book borrowing through the interface shown in fig. 4.

In addition, if the execution result is that the user is confirmed to join, before judging whether the user to be contracted opens the personal credit system, whether the user to be contracted completes the real-name authentication needs to be judged; if the user to be contracted does not finish the real-name authentication, prompting the user to enter a real-name authentication process; and if the user to be contracted completes the real-name authentication, judging whether the user to be contracted opens a personal credit system or not.

The purpose of real-name authentication is to ensure that the identity information of the user to be provisioned matches the true identity card. Only if the user carries out real-name authentication, the identity of the user can be ensured to be credible. In addition, after the user opens the personal credit system, if the borrowed books are returned within the appointed time, credit points can be added to the borrowed books, and if the borrowed books are not returned on time, the credit points are deducted.

In an embodiment provided by the present application, after the step of initiating an offer request to the user to be offered based on the image identification code is executed, the method further includes:

Along the above example, if the user views the issue list, confirms the content in the issue list, and clicks the virtual key "i want to join" of the contracted page, the execution result may be determined as confirmation of joining, and a credit information acquisition instruction of the user to be contracted is generated based on the execution result.

The method comprises the steps that an offer list of a library comprises offer conditions of a user waiting for an offer, and under the condition that the user waiting for the offer confirms to join, the credit information of the user is obtained and whether the credit information meets the offer conditions or not is judged.

Specifically, the credit information may include credit point information and credit limit information;

correspondingly, under the condition that the credit information of the user to be contracted meets the contracting condition, the successful contracting prompting information is sent to the user to be contracted, namely under the condition that the credit point information and the credit line information of the user to be contracted both meet the contracting condition, the successful contracting prompting information is sent to the user to be contracted.

The acquired credit information of the user a to be contracted includes: the credit score is 700 points, the credit limit is 1000 yuan, if the offer condition in the offer list is that the credit score of the user to be offered should be more than 600 points and the credit limit should be more than 800 yuan, the user A to be offered is judged to meet the offer condition, and the prompt message of successful offer can be sent to the user A to be offered.

In addition, under the condition that the credit point information and the credit line information of the user to be contracted do not meet the contracting condition, prompt information of contracting failure is sent to the user to be contracted.

If the credit information of the user B to be contracted is 500 credits and the credit line is 700 yuan, if the condition of the contract in the contract-issuing list is that the credit of the user to be contracted should be more than 600 credits and the credit line should be more than 800 yuan, the user B to be contracted is judged not to meet the contract condition, and the prompt message of the contract failure can be sent to the user B to be contracted.

In addition, under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, sending a prompt message of successful offering to the user to be offered, and marking an additional limiting condition that the user to be offered succeeds in offering in the prompt message;

and/or

And under the condition that either one of the credit point information or the credit limit information of the user to be contracted does not meet the contracting condition, recommending other contracting parties for the user to be contracted, wherein the credit information of the user to be contracted meets the contracting condition of the other contracting parties.

Specifically, assuming that the credit information of the user C to be contracted is 700 credits and the credit line is 1000 yuan, for example, if the condition of the library a in the issue order is that the credit of the user to be contracted should be more than 600 credits and the credit line should be more than 1500 yuan, one of the credit information and the credit line information of the user C to be contracted does not satisfy the book borrowing condition of the library a. In this case, library a may allow the offer user to borrow a book, but may indicate additional restrictions that the offer user can successfully borrow a book, such as: the book information and book returning period which can be borrowed are reduced from 30 days to 20 days, and the like; or library a may recommend other libraries meeting the book borrowing condition for user C according to the credit information of user C waiting for appointment, for example: the book borrowing condition set by the library B is 500 credit points, and the credit limit is 800 yuan, so that the library B can be recommended to the user to be contracted.

Due to the limitation of capital or places, the book resources of different libraries are different, or the book keeping quantity of different libraries is different, namely, the quantity of the same kind of books in one library is small, the quantity of the same kind of books in the other library is large, one library is not in demand, and the other library is in demand.

In an embodiment provided by the present application, after the step of popping up the subscription page on the mobile terminal interface of the user to be contracted is executed, the method further includes:

if yes, sending a prompt message of successful contract response to the user to be contracted;

Specifically, still taking the credit book borrowing project as an example, if the user views the issue sheet and confirms the content in the issue sheet, and clicks the virtual key "i want to join" of the contracted page, the execution result may be determined as confirmation of joining; and acquiring the current position information of the user to be contracted and the geographical position information of the library.

When a user to be contracted sends a contract application to a contract sender by clicking a virtual key of a touch interactive interface of embedded equipment or clicking a physical key of the embedded equipment, a server acquires geographical position information of the embedded equipment as geographical position information of a library; after a user waiting for appointment scans a code through mobile equipment, detecting the position information of the mobile equipment as the current position information of the user waiting for appointment, and if the mobile equipment of the user is started for positioning, directly acquiring the position information of the mobile equipment by a server; if the mobile equipment of the user does not start positioning, the server sends a request for starting a positioning function to the mobile equipment, and under the condition that the positioning function of the mobile equipment is started, the server can acquire the position information of the mobile equipment as the current position information of the user.

The method comprises the steps of obtaining current position information of a user to be contracted and geographical position information of a library, calculating the distance between the user to be contracted and the library, if the distance between the user to be contracted and the library is larger than a preset distance threshold value, contracting to fail, if the distance between the user to be contracted and the library is smaller than or equal to the preset distance threshold value, contracting to succeed, and sending prompt information of contracting to succeed to the user to be contracted.

Along the above example, the current position information of the user to be contracted and the geographical position information of the library are latitude and longitude information, the position information of the library acquired by the server and the position information of the user to be contracted are (36.780287, 105.1374349) and (36.780287, 105.1374349), respectively, and the preset distance threshold is 20m; and calculating according to a distance formula to obtain that the distance between the user to be contracted and the library is 0m and is smaller than a preset distance threshold value of 20m, and sending a prompt message of book borrowing success to the user to be contracted by the server.

In the embodiments of the present application, the credit book borrowing project is taken as an example for description, and the specific implementation of the credit public welfare project is similar to the specific implementation of the credit book borrowing project, and the detailed implementation of the credit book borrowing project is referred to, and is not described herein again.

In an embodiment provided by the application, when the user to be contracted actively sends a contracting request to the contracting party, the contracting party determines whether the user to be contracted meets the contracting condition set by the contracting party according to credit information, geographical location information and other related information of the user, and the contracting can be successfully contracted only when the user to be contracted meets the contracting condition, so that the risk that the user not perform as specified after being contracted can be effectively reduced.

The method for processing issuance under the credit contract system according to an embodiment of the present specification is described with reference to the credit loan item as an example, and includes steps 502 to 522 as shown in fig. 5.

Step 502, generating an interface calling request based on the touch action detected by the library embedded device.

Specifically, the user to be contracted sends a book borrowing request by clicking a virtual key 'credit book borrowing' of a touch interactive interface of the embedded device of the library, and the library generates an interface calling request based on a touch action detected by the embedded device.

Step 504, based on the interface call request, calling an address storage interface.

Specifically, in a library project, the target service may be a book borrowing service, and the call parameter in the interface call request includes an issue sheet number corresponding to an issue sheet generated after the library signs a contract based on a credit contract template of the book borrowing service.

Step 506, obtaining the uniform resource locator of the signed page returned by the address storage interface being called.

Specifically, the contract signing page includes the issue order.

Step 508, analyzing the uniform resource locator to generate a two-dimension code corresponding to the signing page and initiating an offer request to the user to be offered based on the two-dimension code.

Step 510, when it is detected that the two-dimensional code is scanned by the user to be contracted through a mobile device, popping up the signing page on a mobile device interface of the user to be contracted.

And step 512, detecting an execution action of the user to be contracted acting on the signing page, and determining an execution result according to the execution action.

Step 514, determining whether the execution result is a confirmation addition, if yes, executing step 516; if not, the processing is not needed.

And 516, generating a credit information acquisition instruction of the user to be contracted based on the execution result.

Specifically, the server acquires the credit information of the user to be contracted and book borrowing conditions set by the library according to the credit information acquisition instruction.

Step 518, judging whether the credit point information and the credit line information of the user to be offered meet the book borrowing condition; if yes, go to step 520; if not, go to step 522.

And step 520, sending a prompt message of book borrowing success to the user waiting for appointment.

And 522, sending a prompt message of book borrowing failure to the user to be contracted.

In addition, under the condition that either one of credit point information or credit line information of the user to be offered does not meet the book borrowing condition, sending prompt information of book borrowing success to the user to be offered, and marking additional limiting conditions that the user to be offered can borrow the book successfully;

and/or

And under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the book borrowing condition, recommending other libraries meeting the book borrowing condition for the user to be offered.

In one embodiment provided by the application, credit contract service is provided for a book borrowing scene between a user to be contracted and a library, and the user to be contracted can borrow books without a deposit and a book borrowing card. In addition, due to the limitation of capital or places, the book resources of different libraries are different, or the book keeping quantity of different libraries is different, namely, the number of the same kind of books in one library is small, the number of the same kind of books in the other library is large, so that one part of the library is not in demand, and the other part of the library is in more demand, therefore, other libraries meeting the book borrowing condition are recommended for the user to be contracted, and the waste of the book resources can be effectively reduced. Judging whether the credit information of the user to be contracted meets a preset contracting condition or not; if the credit portrait of the borrower meets the preset credit condition, the electronic borrowing contract aiming at the borrower is generated, and if the credit portrait of the borrower meets the preset credit condition, the electronic borrowing contract generated aiming at the borrower is validated, so that the user to be contracted and the library are organically combined through a credit system, a credit contract service is provided for a borrowing scene between the user to be contracted and the library, and the risk that the contracting party performs contracting according to no rule is reduced.

The embodiment of the offer processing device under the credit contract system provided by the application is as follows:

in the above embodiment, a method for processing issuance under a credit contract system is provided, and correspondingly, an apparatus for processing issuance under a credit contract system is also provided in the present application, which is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of an embodiment of an offer processing apparatus under a credit contract system provided in the present application is shown.

Since the apparatus embodiments are substantially similar to the method embodiments, the description is relatively simple, and the relevant portions may be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The application provides an offer processing device under a credit contract system, which comprises:

a request generation module 602 configured to generate an interface call request based on the detected touch action;

the interface calling module 604 is configured to call an address storage interface based on the interface calling request, where a calling parameter in the interface calling request includes an issue order number corresponding to an issue order generated by an issuing party after signing a credit contract template of a target service;

an address obtaining module 606, configured to obtain a page access address of a signed page returned by the address storage interface being called, where the signed page includes the issue ticket;

the request sending module 608 is configured to parse the page access address to generate an image identification code corresponding to the contracted page, and initiate an offer request to the user to be offered based on the image identification code.

running a page pop-up device under the condition that the user to be contracted is detected to scan the image identification code through mobile equipment;

the page pop-up device is configured to pop up the contract signing page on a mobile device interface of the user to be contracted;

if the execution result is that the joining is confirmed, a first judgment module is operated;

if the operation result of the first judgment module is that the user to be contracted opens the personal credit system, a first prompt message sending module is operated;

the first prompt message sending module is configured to send prompt messages of successful approving to the user to be approved.

if the operation result of the second judgment module is that the real-name authentication of the user to be contracted is not completed, operating a second prompt module;

the second prompt message sending module is configured to send prompt messages of successful offer to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;

the third prompt information sending module is configured to send prompt information of failed offer to the user to be offered under the condition that the credit information of the user to be offered does not meet the offer condition.

correspondingly, the second prompt message sending module is further configured to send a prompt message that the offer is successful to the user to be offered under the condition that the credit point information and the credit line information of the user to be offered both meet the offer condition;

the third prompt message sending module is further configured to send a prompt message of failed offer to the user to be offered under the condition that the credit point information and the credit line information of the user to be offered do not meet the offer condition.

the information processing module is configured to send prompt information that the offer is successful to the user to be offered under the condition that either the credit point information or the credit line information of the user to be offered does not meet the offer condition, and mark additional limit conditions that the offer of the user to be offered is successful in the prompt information;

and/or

And the recommending module is configured to recommend other offerings for the offering user under the condition that either the credit point information or the credit line information of the offering user does not meet the offering condition, wherein the credit information of the offering user meets the offering condition of the other offerings.

the third execution action detection module is configured to detect an execution action acted on the signing page by the user to be contracted, and determine an execution result according to the execution action;

if the operation result of the third execution action detection module is that the execution result of the execution action is detected to be the confirmation addition, the position information acquisition module is operated;

the position information acquisition module is configured to acquire the current position information of the user to be contracted and the geographical position information of the contracting party;

the third judging module is configured to judge whether the distance between the user to be contracted and the contracting party is smaller than or equal to a preset distance threshold value or not;

if the operation result of the third judgment module is that the offline position information of the user to be contracted is consistent with the geographical position information of the contracting party, a fourth prompt information sending module is operated;

the fourth prompt information sending module is configured to send prompt information that the offer is successful to the user to be offered;

if the operation result of the third judgment module is that the offline position information of the user to be contracted is inconsistent with the geographic position information of the contracting party, operating a fifth prompt message sending module;

the fifth prompt message sending module is configured to send prompt messages of settlement failure to the user to be settled.

Optionally, the request generating module is further configured to generate an interface call request based on a touch action detected by the embedded device of the sponsor, where the touch action includes a touch action of a virtual key acting on a touch interactive interface of the embedded device and/or a touch action of a physical key acting on the embedded device.

The embodiment of an electronic device provided by the application is as follows:

fig. 7 shows a block diagram of an electronic device 700 according to an embodiment of the present description. The components of the electronic device 700 include, but are not limited to, a memory 710 and a processor 720. Processor 720 is coupled to memory 710 via bus 730, and database 750 is used to store data.

The electronic device 700 also includes an access device 740, the access device 740 enabling the electronic device 700 to communicate via one or more networks 760. 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. Access device 740 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 components of the electronic device 700 and other components not shown in fig. 7 may also be connected to each other, for example, through a bus. It should be understood that the block diagram of the electronic device shown in fig. 7 is for illustration purposes only and is not intended to limit the scope of the present disclosure. Other components may be added or replaced as desired by those skilled in the art.

The electronic device 700 may be any type of stationary or mobile electronic device, including a mobile computer or mobile electronic device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), a mobile phone (e.g., smartphone), a wearable electronic device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary electronic device such as a desktop computer or PC. The electronic device 700 may also be a mobile or stationary server.

Wherein processor 720 is configured to execute the following computer-executable instructions:

generating an interface calling request based on the detected touch action;

calling an address storage interface based on the interface calling request, wherein calling parameters in the interface calling request comprise an appointment list number corresponding to an appointment list generated by an appointment maker after signing on a credit contract template of a target service;

and if the user to be contracted opens the personal credit system, sending a prompt message of successful contract answering to the user to be contracted.

sending a prompt message of successful offer to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition;

Optionally, the credit information includes credit point information and credit limit information;

and sending a prompt message of failed contracting to the user to be contracted under the condition that the credit point information and the credit limit information of the user to be contracted do not meet the contracting condition.

and/or

if yes, sending a prompt message of successful offer to the user to be offered;

The foregoing is a schematic scheme of an electronic device of this embodiment. It should be noted that the technical solution of the electronic device belongs to the same concept as the technical solution of the offer processing method under the credit contract system, and details that are not described in detail in the technical solution of the electronic device can be referred to the description of the technical solution of the offer processing method under the credit contract system.

The embodiment of a computer-readable storage medium provided by the application is as follows:

an embodiment of the present application further provides a computer readable storage medium storing computer instructions that, when executed by a processor, are configured to:

generating an interface calling request based on the detected touch action;

acquiring a page access address of a signed page returned by the address storage interface after being called, wherein the signed page comprises the issue list;

if the user to be contracted does not complete the real-name authentication, prompting the user to be contracted to enter a real-name authentication process;

and if the user to be contracted has finished the real-name authentication, executing the step of judging whether the user to be contracted opens the personal credit system.

correspondingly, the sending of the prompt message of the offer failure to the user to be offered under the condition that the credit information of the user to be offered does not meet the offer condition includes:

and/or

judging whether the distance between the user to be contracted and the contracting party is less than or equal to a preset distance threshold value or not;

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 is the same as the technical solution of the issue processing method under the credit contract system, 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 issue processing method under the credit contract system.

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

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

It should be noted that, for the sake of simplicity, the 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 will appreciate that the embodiments described in this specification are presently considered to be preferred embodiments and that acts and modules are not required in the present 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 processing an offer under a credit contract system, comprising:

generating an interface calling request based on the detected touch action;

analyzing the page access address to generate an image identification code corresponding to the signing page and initiating an offer request to a user to be offered based on the image identification code;

under the condition that the user to be contracted is detected to scan the image identification code through the mobile equipment, displaying the signing page on a mobile equipment interface of the user to be contracted;

2. The method of claim 1, wherein displaying the contracted page on the mobile device interface of the user to be contracted comprises:

popping up the signing page on the mobile equipment interface of the user to be contracted;

the detecting the execution action of the user to be contracted on the contracted page, and determining an execution result according to the execution action, comprises:

3. The method of claim 1, wherein after determining whether the user to be contracted opens a personal credit system, the method further comprises:

and if the user to be contracted does not open the personal credit system, prompting the user to be contracted to open the personal credit system.

4. The method for processing a contract under a credit contract system according to claim 3, wherein before the step of determining whether the user to be contracted opens the personal credit system, the method further comprises:

5. The method for processing a contract under a credit contract system according to claim 1, wherein the detecting an execution action of the user to be contracted on the contracted page, and after determining an execution result according to the execution action, further comprises:

and sending a prompt message of failed offer to the user to be offered under the condition that the credit information of the user to be offered does not meet the offer condition.

6. The method of claim 5, wherein the credit information includes credit point information and credit limit information;

correspondingly, the sending of the prompt message that the offer is successful to the user to be offered under the condition that the credit information of the user to be offered meets the offer condition includes:

7. A method of contract issuance processing under a credit contract system according to claim 6, further comprising:

and/or

And under the condition that either the credit point information or the credit limit information of the user to be offered does not meet the offering condition, recommending other offerers for the user to be offered, wherein the credit information of the user to be offered meets the offering conditions of the other offerers.

8. The method for processing a contract under a credit contract system according to claim 1, wherein the detecting an execution action of the user to be contracted on the contracted page, and after determining an execution result according to the execution action, further comprises:

9. The offer processing method under the credit contract system according to claim 1, wherein the generating an interface call request based on the detected touch action includes:

10. An offer processing apparatus under a credit contract system, comprising:

the address acquisition module is configured to acquire a page access address of a signed page called and returned by the address storage interface, wherein the signed page comprises the issue list;

the request sending module is configured to analyze the page access address to generate an image identification code corresponding to the signing page and initiate an offer request to a user to be offered based on the image identification code; under the condition that the user to be contracted is detected to scan the image identification code through the mobile equipment, displaying the signing page on a mobile equipment interface of the user to be contracted;

the first judging module is configured to judge whether the user to be offered opens a personal credit system if the execution result is to confirm joining;

the first prompt message sending module is configured to send prompt messages of successful offer to the user to be offered if the user to be offered has opened a personal credit system.

11. A settlement processing apparatus under a credit contract system according to claim 10, further comprising:

12. A contract issuance processing apparatus under a credit contract system according to claim 10, further comprising:

the first prompting module is configured to prompt the user to be offered to open a personal credit system.

13. A contract issuance processing apparatus under a credit contract system according to claim 12, further comprising:

if the execution result is that the joining is confirmed, a second judgment module is operated;

14. A contract issuance processing apparatus under a credit contract system according to claim 10, further comprising:

and the third prompt information sending module is configured to send prompt information of response failure to the user to be provisioned under the condition that the credit information of the user to be provisioned does not meet the response condition.

15. The offer processing apparatus under a credit contract architecture of claim 10, wherein the request generation module is further configured to:

16. An electronic device, comprising:

a memory, a processor;

generating an interface calling request based on the detected touch action;

17. A computer-readable storage medium storing computer instructions which, when executed by a processor, perform the steps of a method of contract generation processing according to any one of claims 1 to 9 under a credit contract architecture.