CN110570269A

CN110570269A - Method and device for executing notification in credit item

Info

Publication number: CN110570269A
Application number: CN201910703142.7A
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: 2019-12-13
Anticipated expiration: 2039-07-31
Also published as: CN110570269B

Abstract

the application provides a method and a device for executing a notification in a credit item, wherein the method for executing the notification in the credit item comprises the following steps: acquiring an event execution message generated by executing a project event of a credit project; determining a project execution phase of the project event in the credit project based on project event information carried by the event execution message; determining an event execution notice of the project event recorded in the credit contract template at the project execution stage according to a credit contract template corresponding to the project type to which the credit project belongs; sending the event execution notification to a participant of the credit item. The notification execution method in the credit project provided by the application improves the participation degree and the perception degree of the participator for the credit project, further improves the user participation enthusiasm of the credit project, and is beneficial to promoting the popularization of the credit project and the improvement of a credit system.

Description

method and device for executing notification in credit item

Technical Field

the present application relates to the field of data processing technologies, and in particular, to a method for executing a notification in a credit project. The application also relates to a notification execution device in the credit item, a computing device and a computer readable storage medium.

Background

With the continuous development of internet technology, the attention degree of users to credit is continuously improved, the establishment and the improvement of a credit system are continuously carried out, a credit platform for providing various credit services for users is born, and a plurality of credit platforms provide various credit-based services such as credit lease, credit loan, credit trial and the like for users.

Currently, in the process of using credit service provided by a credit platform, a merchant which provides item information lease or borrow to the user at the user, the credit platform and the credit of the user at the credit platform form a credit closed loop mode, and in the mode, credit data are transmitted to the credit platform by the merchant to maintain the credit of the user. However, in this mode, the user cannot participate in the credit maintenance of the credit platform, and the participation and perception of the credit maintenance process are poor, which has certain defects.

disclosure of Invention

in view of the above, embodiments of the present application provide a method for executing notification in a credit project to solve technical defects in the prior art. The embodiment of the application also provides a notification execution device in the credit item, a computing device and a computer readable storage medium.

The application provides a notification execution method in a credit project, which comprises the following steps:

Acquiring an event execution message generated by executing a project event of a credit project;

determining a project execution phase of the project event in the credit project based on project event information carried by the event execution message;

determining an event execution notice of the project event recorded in the credit contract template at the project execution stage according to a credit contract template corresponding to the project type to which the credit project belongs;

Sending the event execution notification to a participant of the credit item.

optionally, the determining, according to the credit contract template corresponding to the item type to which the credit item belongs, that the credit contract template records the item event after the execution of the event execution notification step of the item execution phase and before the sending of the event execution notification step to the participant of the credit item is executed includes:

Acquiring an event execution result generated after the project event is executed in the project execution phase;

judging whether the event execution result meets the trigger condition of the event execution notice;

If yes, executing the step of sending the event execution notification to the participants of the credit item.

Optionally, the participants of the credit project include: a sponsor and an offeror;

correspondingly, the item execution phase of the credit item comprises: a step of generating a contract-issuing order of the credit project according to the contract-issuing instruction submitted by the contract-issuing party according to the credit contract template, a step of generating a credit contract according to the contract-responding instruction submitted by the contract-issuing party according to the contract-responding party, and a step of performing performance processing on the credit project according to the contract-issuing party and/or the contract-responding party.

Optionally, the credit item includes: a credit borrowing item;

wherein the item events of the credit borrowing item comprise: a book borrowing event and a book return event;

The issuing party of the credit borrowing item comprises: a book mechanism;

the contracting party of the credit borrowing item comprises: and (4) borrowing the book.

optionally, in a case that the credit item is a credit book borrowing item, the item event information carried by the event execution message generated by the book borrowing event executed includes a book borrowing order corresponding to a book borrowed by the book borrowing user in the book institution; and the item execution stage of the book borrowing event in the credit book borrowing item is an appointment processing stage;

Correspondingly, the event execution notification is a credit book offer order generated according to an offer instruction submitted by the book institution for the credit book offer template of the credit book borrowing item and an invitation notification of the book borrowing order.

optionally, the item event information carried by the event execution message generated by executing the book returning event is a book returning order generated by the book borrowing user after the book returning operation is performed on the borrowed book by the book borrowing mechanism; and the item execution stage of the book returning event in the credit book borrowing item is a fulfillment processing stage;

Accordingly, in the case where the book return information included in the book return order is identical to the book borrowing information included in the book borrowing order, the event execution notification is a fulfillment notification that the book borrowing user successfully performs, which is sent to the book institution and the book borrowing user.

Optionally, the credit item includes: a credit equity item;

wherein the item events of the credit public good items comprise: a public welfare application event and a public welfare execution event;

the issuing party of the credit borrowing item comprises: a public welfare sponsor;

the contracting party of the credit borrowing item comprises: and (4) public welfare participant.

Optionally, in a case that the credit item is a credit public service item, the item event information carried in the event execution message generated by executing the application public service participation event is item information of the credit public service item applied by the public service initiator; and the project execution phase of the public interest application event in the credit public interest project is an appointment processing phase;

Correspondingly, the event execution notification is an invitation notification carrying a credit public welfare issue sheet generated according to an issue instruction submitted by the public welfare initiator for the credit public welfare contract template of the credit public welfare project and project information of the credit public welfare project.

optionally, the item event information carried in the event execution message generated by executing the public welfare execution event is public welfare fulfillment information generated by the public welfare participant and/or the public welfare participant performing public welfare operations in the credit public welfare item; and the item execution stage of the public service execution event in the credit public service item is a performance processing stage;

Accordingly, in the case where the public interest performance information matches the item information of the credit public interest item, the event execution notification is a performance notification of successful performance transmitted to the public interest initiator and the public interest participant.

the present application also provides a notification execution device in a credit item, including:

an event execution message acquisition module configured to acquire an event execution message generated by execution of a project event for a credit project;

the item execution phase determining module is configured to determine an item execution phase to which the item event belongs in the credit item based on item event information carried by the event execution message;

the event execution notification determining module is configured to determine an event execution notification of the item event recorded in the credit contract template at the item execution stage according to a credit contract template corresponding to the item type to which the credit item belongs;

An event execution notification sending module configured to send the event execution notification to a participant of the credit item.

optionally, the apparatus for executing notification in credit item further includes:

an event execution result acquisition module configured to acquire an event execution result generated after the project event is executed in the project execution phase;

an event execution result judgment module configured to judge whether the event execution result satisfies a trigger condition of the event execution notification; and if so, operating the event execution notification sending module.

Optionally, the credit item includes: a credit borrowing item;

the issuing party of the credit borrowing item comprises: a book mechanism;

Optionally, the credit item includes: a credit equity item;

the present application provides a computing device comprising:

a memory and a processor;

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

sending the event execution notification to a participant of the credit item.

The present application provides a computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the notification execution method in the credit project.

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

The application provides a notification execution method in a credit project, which comprises the following steps: acquiring an event execution message generated by executing a project event of a credit project; determining a project execution phase of the project event in the credit project based on project event information carried by the event execution message; determining an event execution notice of the project event recorded in the credit contract template at the project execution stage according to a credit contract template corresponding to the project type to which the credit project belongs; sending the event execution notification to a participant of the credit item.

According to the notification execution method in the credit project, starting from the project event executed in the process that the participant participates in the credit project, the project execution stage of the project event in the credit project is determined, and the corresponding event execution notification is sent to the participant of the credit project in the project execution stage of the project event according to the event execution notification recorded in the credit contract template of the credit project by the project event, so that the participation degree and the perception degree of the participant on the credit project are improved, the participation enthusiasm of the user of the credit project is improved, and the promotion of the credit project and the improvement of the credit system are facilitated.

Drawings

FIG. 1 is a flowchart of a method for executing a notification in a credit project according to an embodiment of the present application;

FIG. 2 is a schematic diagram of a notification execution device in a credit project according to an embodiment of the present application;

Fig. 3 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

in the following description, numerous specific details are set forth in order to provide a thorough understanding of the present 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 book organization and the users, a plurality of users achieve a consensus of participating in public interest projects under the credit constraint, or a consensus of borrowing and returning money or borrowing and returning articles is achieved between the users on the premise of using the credit 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 the breach that the breaching party needs to undertake, such as recording the breach incident in the breach party's credit, reducing the breach party's credit score, or making fines to the breach party, etc.;

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

The application provides a method for executing a notification in a credit project, and also provides a device for executing the notification in the credit project, a computing device and a computer readable storage medium. The following detailed description and the description of the steps of the method are individually made with reference to the drawings of the embodiments provided in the present application.

the embodiment of the notification execution method in the credit project provided by the application is as follows:

referring to fig. 1, a flowchart of a method for executing a notification in a credit item according to the present embodiment is shown.

step S102, an event execution message generated by executing the project event of the credit project is acquired.

the credit item in the embodiment of the present application refers to an item in which two or more parties participate in the item, and the item is called a credit item if the two or more parties agree on "right", "responsibility" and "interest" on the basis of credit in the item on the basis of the use of the service provided by the item or the service provided by the parties participating in the item, that is, a credit contract is signed.

The embodiment of the application takes a credit book borrowing item and a credit public service item as examples to explain the credit items, and explains the execution process of the notification in the credit items. It should be noted that the credit items described in the embodiments of the present application are not limited to credit book borrowing items and credit public service items, and may also be credit loan items or credit loan money items using credit as a mortgage, and the like, and the credit items are not limited thereto.

Specifically, in a credit book borrowing project, a book organization (such as a library, a bookstore providing book borrowing service, and the like) serves as a participant providing book borrowing service, a book borrowing user of the book organization serves as a participant using the book borrowing service, and the book borrowing user signs a credit contract with the book organization about the fact that the book borrowing is performed in the process of borrowing the book from the book organization by taking own credit as a mortgage; if the book borrowing user successfully returns the borrowed book within the book returning period agreed in the credit contract, the book institution can obtain a certain credit reward as a participant for providing book borrowing service, and meanwhile, the book borrowing user can also improve the credit score of the book borrowing user through the credit book borrowing behavior.

in the credit public service project, the service is a public service initiated by a third-party public service platform or a credit platform, after a user participates in the public service project as a participant, the user signs a credit contract with the third-party public service platform or the credit platform as an executive party of the public service, and obtains corresponding rewards by executing and completing the public service agreed in the credit contract, for example, the user walks for a public service activity of 10000 steps every day initiated by the credit platform in half a year, the user participating in the public service activity can obtain corresponding public service point rewards after successfully completing the public service activity, if the user committed to participate in the public service activity does not fulfill the public service activity after signing the credit contract, a certain public service point can be deducted for the user to carry out default punishment on the user;

in addition, the service in the credit public welfare project may be a public welfare service initiated by a user, after other users participate in the public welfare project as participants, the users initiate a credit contract with the user initiating the public welfare service, and corresponding rewards are obtained by executing and completing the public welfare service agreed in the credit contract, for example, a certain user performs 3-hour long-distance running public welfare activities in a park on weekends initiated by public welfare project pages of a credit platform, after users meeting the number of people participate in the activities and complete the activities, both the user initiating the active public welfare activities and the users participating in the public welfare activities can obtain corresponding public welfare point rewards, and if the users committed to participate in the public welfare activities do not perform the public welfare activities after signing the credit contract, the user can be punished by deducting a certain public welfare point.

Specifically, the participation party of the credit project comprises the contracting party and the contracting party, and the contracting party firstly submit the participation request of the participation credit project by the contracting party in the process of participating the credit project, determining a credit contract template corresponding to the item type according to the item type of the credit item contained in the participation request submitted by the contracting party, a contract offer is then generated based on the credit contract template and the contract order submitted by the contracting party for the credit contract template, secondly, inviting the offeror to participate in the credit item by pushing the offerings to the offeror, and finally, in case of receiving the offerings order submitted by the offeror for the offerings order, generating a credit contract in accordance with the submission of the corresponding instruction by both the offeror and the offer form, the offeror and the offeror having credit constraint effectiveness for the offeror and the offeror by submitting a credit contract signed by the corresponding instruction.

in practical application, each industry or business field has its own business characteristics, and the execution premises, the execution process and the execution results of services in different industries or different business fields are different, and these factors are also different in the credit contract.

As described above, in order to enhance the perception of the credit contract signing process in the credit project process by the contracting party and the contracting party, starting from the project event executed in the credit project process by the contracting party and the contracting party, the notification execution method in the credit project provided by the application sends a corresponding event execution notification to the participant of the credit project in the project execution stage to which the project event belongs by determining the project execution stage to which the project event belongs in the credit project and according to the event execution notification recorded in the credit contract template of the credit project event in the credit project, thereby improving the participation degree and perception degree of the participant in the credit project.

in order to further improve the perception degree of the credit item by the participant in the process of participating in the credit item, in an optional implementation manner provided by the embodiment of the present application, the credit item is divided into 3 item execution stages: a contract sending processing stage, a credit contract generating stage and a performance processing stage;

The contract issuing processing stage is a stage of generating a contract issuing list of the credit project according to the contract issuing instruction submitted by the contract issuing party for the credit contract template; the credit contract generating stage is a stage of generating a credit contract according to the offer order submitted by the offer list sent by the offer-accepting party; the stage of performing process is that performing process on the credit item according to the contracting party and/or the contracting party.

The item event in the embodiment of the application refers to an event which a credit item has and needs to be executed through the operation of a participant. Optionally, the item events of the credit borrowing item include a book borrowing event and a book returning event, specifically, the participants of the credit borrowing item include book organizations (such as book organizations, bookstores providing book borrowing services, and the like) and book borrowing users, in the book borrowing process, the book organizations serve as the originators of contracts and initiate an invitation for signing a credit borrowing contract to the book borrowing users, and the book borrowing users sign the credit borrowing contract with the book organizations in the book borrowing process according to the invitation, so that the book borrowing users are guaranteed to return books to the book organizations within the appointed time limit as much as possible under the constraint of the credit borrowing contract; in the credit book borrowing project, the contracting party for signing the credit book borrowing contract is a book organization, and the contracting party for the credit book borrowing contract is a book borrowing user.

Optionally, the item events of the credit public welfare items include a book borrowing event and a book returning event, specifically, the participants of the credit public welfare items include an initiator (a public welfare initiator) initiating a public welfare item and participants (public welfare participants) participating in the public welfare item initiated by the initiator, in the process of participating in the public welfare items, the public welfare initiator serves as an initiator of a contract and initiates an offer of signing a credit public welfare contract to the public welfare participants, and the public welfare participants sign the credit public welfare contract with credit constraint effectiveness according to the offer, so that under the constraint of the credit public welfare contract, the public welfare participants are guaranteed to participate in the public welfare item initiated by the public welfare initiator within a contract period as much as possible; it can be seen that, in the credit equity project, the contracting party signing the credit equity contract is the equity initiator, and the contracting party of the credit equity contract is the equity participant.

Step S104, determining the project execution stage of the project event in the credit project based on the project event information carried by the event execution message.

The event execution message in the embodiment of the present application refers to a message generated after a project event of a credit project is executed by a participant, and it should be noted that the event execution message generated after the project event is executed includes related data information (i.e., project event information) during and after the project event is executed.

in specific implementation, the item execution stage of the item event in the credit item is determined based on the item event information carried by the event execution message. As described above, the item execution stage of the credit item is divided into 3 stages of a contract sending process stage, a credit contract generation stage, and a performance process stage, where it is determined which of the 3 stages of the contract sending process stage, the credit contract generation stage, and the performance process stage the item event belongs to in the credit item is according to the item event information.

taking a credit borrowing project as an example, a book organization acquires a credit borrowing contract template used for signing a credit borrowing contract from a credit platform in advance, generates and stores a credit borrowing contract issue sheet based on the credit borrowing contract template in a mode of submitting an issue confirmation instruction aiming at the credit borrowing contract template, so that a subsequent book borrowing user signs a credit borrowing contract with a book borrowing user on the basis of the credit borrowing contract issue sheet during book borrowing.

specifically, the item events in the credit borrowing item include a borrowing event and a returning event.

1) in the book borrowing process, firstly, a book borrowing user selects a book to be borrowed, then the book borrowing is proposed to a book borrowing mechanism, a book borrowing event is triggered, specifically, in the book borrowing process, the book borrowing user enters the book selected by the book borrowing mechanism, a corresponding book borrowing order is generated, and the generated book borrowing order is the item event information generated after the book borrowing event is executed;

In practical applications, the book institution has not yet made a credit loan contract with the borrowing user when the borrowing order is generated, and therefore, the borrowing event is in the issue processing stage among 3 item execution stages, namely the issue processing stage of the credit loan item, the credit contract generation stage and the fulfillment processing stage.

2) In the book returning process, the book borrowing user proposes to return the borrowed book to the book mechanism, and then triggers a book returning event, specifically, in the book returning process, the book mechanism generates a book returning order according to the borrowed book returned by the book borrowing user, and the generated book borrowing order is the item event information generated after the book returning event is executed;

in practical applications, the generation of the book returning event is performed when the book borrowing user performs the book returning responsibility of the book organization within the book returning term of the borrowed book according to the credit book borrowing contract after the book organization borrows the book and makes the credit book borrowing contract with the book organization, so that the book returning event is in the performance processing stage in 3 project execution stages, namely the issuing processing stage, the credit contract generation stage and the performance processing stage of the credit book borrowing project.

taking a credit public welfare project as an example, the public welfare initiator acquires a credit public welfare contract template for signing a credit public welfare contract from a credit platform in advance, generates and stores a credit public welfare issue sheet based on the credit public welfare contract template in a mode of submitting an issue confirmation instruction aiming at the credit public welfare contract template, so that a subsequent public welfare participant signs a credit public welfare contract with the public welfare participant on the basis of the credit public welfare issue sheet when participating in the public welfare project.

Specifically, the item events in the credit public service item include a public service application event and a public service execution event.

1) in the process of applying for participating in the credit public welfare project, firstly, a public welfare initiator externally issues a credit public welfare project initiated by the public welfare initiator, after learning the credit public welfare project initiated by the public welfare initiator, the public welfare initiator proposes the credit public welfare project initiated by the public welfare initiator, and then triggers a public welfare application event, specifically, in the process of applying, project information of the credit public welfare project initiated by the public welfare initiator can be generated, wherein the project information comprises execution time, place, participation number, participation condition and the like of the credit public welfare project, and the project information of the credit public welfare project generated here is project event information generated after the public welfare application event is executed;

In practical applications, the credit public welfare items are not formally established in a credit public welfare contract manner when the item information of the credit public welfare items is generated, so that the public welfare application events are in the issue processing stage among 3 item execution stages of the issue processing stage, the credit contract generation stage and the performance processing stage of the credit public welfare items.

2) in the process of executing the credit public welfare project, when a public welfare initiator and a public welfare participant execute public welfare activities agreed by the credit public welfare project together, for example, a user A as the public welfare initiator, a user B as the public welfare participant, a user C and a user D share the public welfare activity in a park for 3 hours, triggering a public welfare execution event, and in the specific execution process, generating public welfare information according to the fulfillment of the actual participation public welfare activities of the user A as the public welfare initiator, the user B as the public welfare participant, the user C and the user D, wherein the generated public welfare fulfillment information is project event information generated after the public welfare execution event is executed;

in practical applications, the generation of the public welfare execution event occurs during the course of fulfilling public welfare activities within a specified time limit according to the credit public welfare contract after the public welfare initiator and the public welfare participant sign the credit public welfare contract, and therefore, the public welfare execution event is in the fulfillment processing stage among 3 item execution stages, namely the credit contract generation stage, and the fulfillment processing stage, of the credit public welfare items.

Step S106, according to the credit contract template corresponding to the item type of the credit item, determining the event execution notice of the item event recorded in the credit contract template at the item execution stage.

after determining that the item event information determines that the item event belongs to the item execution phase in the credit item, further determining an event execution notification of the item event at the item execution phase, where the event execution notification is recorded in a credit contract template of the credit item, as described above, credit items of different item types have different credit contract templates, and thus, on the basis of determining a credit contract template corresponding to an item type to which a credit item belongs, determining an event execution notification of the item event recorded in the credit contract template at the item execution phase.

In specific implementation, in order to improve the accuracy of event execution notification, after determining, according to the credit contract template corresponding to the item type to which the credit item belongs, an event execution notification that records the item event in the item execution phase in the credit contract template, and before sending the event execution notification to the participant of the credit item to execute in the following step S108, an event execution result generated after the item event is executed in the item execution phase may be further acquired, and whether the event execution result satisfies a trigger condition of the event execution notification is determined; if yes, executing the following step S108 to send the event execution notice to the participant of the credit item; if not, the processing is not required.

according to the above example, the item type of the credit borrowing item is the item type of the credit borrowing, the corresponding credit contract template is the credit borrowing contract template, and the item events in the credit borrowing item are a borrowing event and a book returning event;

The book borrowing event is in an appointment processing stage in a credit book borrowing project, and according to event execution notifications of project events of various project execution stages recorded in a credit book borrowing contract template, the event execution notifications of the book borrowing events in the appointment processing stage in the credit book borrowing contract template are determined to be invitation notifications sent to book borrowing users, and specifically are the invitation notifications carrying a credit book offer form generated according to an appointment instruction submitted by a book institution for the credit book borrowing contract template of the credit book borrowing project and a generated book borrowing order.

The book returning event is in a performance processing stage in the credit book borrowing project, and according to the event execution notice of the project event of each project execution stage recorded in the credit book borrowing contract template, the event execution notice of the book returning event in the performance processing stage in the credit book borrowing contract template is determined to be a performance notice sent to the book institution and the book borrowing user, specifically, the performance notice sent to the book institution and the book borrowing user is a performance notice of successful performance of the book borrowing user under the condition that book returning information contained in a book returning order generated after the book borrowing user performs book returning operation on the book borrowed to the book institution is consistent with book borrowing information contained in the book borrowing order generated in the book borrowing process;

On the contrary, when the book returning information included in the book returning order generated after the book borrowing user performs the book returning operation on the borrowed book to the book institution is inconsistent with the book borrowing information included in the book borrowing order generated in the book borrowing process, the fulfillment notification sent to the book institution and the book borrowing user is a fulfillment notification that the book borrowing user has not successfully performed (fulfillment has failed).

the item type of the credit public service item is the item type of the credit public service, the corresponding credit contract template is the credit public service contract template, and the item events in the credit public service item are the public service application events and the public service execution events;

the public welfare application event is in an offer processing stage in a credit public welfare project, and according to event execution notifications of project events of various project execution stages recorded in a credit public welfare contract template, the event execution notifications of the public welfare application event in the offer processing stage in the credit public welfare contract template are determined to be invitation notifications sent to public welfare participants, and specifically are the invitation notifications carrying a credit public welfare offer list generated according to an offer instruction submitted by a public welfare initiator for the credit public welfare contract template of the credit public welfare project and project information of the credit public welfare project.

the commonweal execution event is in a performance processing stage in the credit commonweal item, and according to the event execution notice of the item event of each item execution stage recorded in the credit commonweal contract template, the event execution notice of the commonweal execution event in the performance processing stage in the credit commonweal contract template is determined to be a performance notice sent to a commonweal initiator and a commonweal participant, specifically, the performance notice sent to the commonweal initiator and the commonweal participant is a performance notice of successful performance under the condition that the commonweal fulfillment information generated by the commonweal initiator and the commonweal participant performing the commonweal activities in the credit commonweal item is matched with the item information of the credit commonweal item; for example, the user a as a public welfare initiator and the user B, the user C and the user D as public welfare participants actually participate in public welfare activities, and public welfare fulfillment information generated by the 4 persons participating in the public welfare activities is obtained by obtaining motion data and geographical location information of the 4 persons, and then it is determined whether the motion data of the 4 persons of the user a, the user B, the user C and the user D is performing long-distance running for 3 hours, if so, it is further determined whether a place where the 4 persons perform long-distance running is a park recorded in the project information of the credit public welfare project, and if so, it is indicated that the 4 persons of the user a, the user B, the user C and the user D successfully complete fulfillment, and a fulfillment notification of successful fulfillment is sent to the 4 persons;

on the contrary, under the condition that the public welfare fulfillment information generated by the public welfare initiator and the public welfare participant for fulfilling the public welfare activities in the credit public welfare item is not matched with the item information of the credit public welfare item, the fulfillment notification sent to the public welfare initiator and the public welfare participant is a fulfillment notification of unsuccessful fulfillment (fulfillment failure); if the motion data of 4 users, namely user A, user B, user C and user D, indicate that the user B does not finish the long-distance running for 3 hours, and the place where the user D runs the long-distance running is not the park recorded in the project information of the public welfare project, the fulfillment notification sent to the 4 users is the fulfillment notification that the fulfillment of the user B and the user D fails.

step S108, sending the event execution notice to the participants of the credit item.

In the credit borrowing project provided in the above example, after the event execution notification of the loan event at the offer processing stage in the credit borrowing contract template is determined as the offer notification sent to the borrowing user, here, the offer notification is sent to the borrowing user by sending the offer notification to the terminal device of the borrowing user and making an offer notification display.

after the event execution notification of the book returning event at the performance processing stage in the credit book borrowing contract template is determined to be the performance notification sent to the book institution and the book borrowing user, specifically, in the case that book returning information contained in a book returning order generated after the book borrowing user performs book returning operation on the borrowed book to the book institution is consistent with book borrowing information contained in a book borrowing order generated in the book borrowing process, sending a performance notification of successful performance of the book borrowing user to the book institution and the book borrowing user;

when the book returning information included in the book returning order generated by the book borrowing user after the book returning operation is performed on the book borrowed by the book borrowing user to the book institution is inconsistent with the book borrowing information included in the book borrowing order generated in the book borrowing process, a fulfillment notification that the book borrowing user has not successfully performed (fulfillment failure) is sent to the book institution and the book borrowing user.

in the credit public welfare project provided in the above example, after the event execution notification of the agreement processing stage of the public welfare application event in the credit public welfare contract template is determined to be the offer notification sent to the public welfare participants, here, the offer notification is sent to the public welfare participants by sending the offer notification to the terminal devices of the public welfare participants and making the offer notification show.

after the event execution notification of the public welfare execution event at the performance processing stage in the credit public welfare contract template is determined to be the performance notification sent to the public welfare initiator and the public welfare participant, specifically, under the condition that the public welfare fulfillment information generated by the public welfare initiator and the public welfare participant fulfilling the public welfare activities in the credit public welfare project is matched with the project information of the credit public welfare project, sending the performance notification of successful performance to the public welfare initiator and the public welfare participant;

In the case where the equity fulfillment information generated by the equity initiator and the equity participant fulfilling the equity activities in the credit equity item does not match the item information of the credit equity item, here, a fulfillment notification of unsuccessful fulfillment (fulfillment failure) is sent to the equity initiator and the equity participant.

the embodiment of the notification execution device in the credit item provided by the application is as follows:

In the above embodiment, a method for executing a notification in a credit item is provided, and correspondingly, a device for executing a notification in a credit item is also provided in the present application, which is described below with reference to the accompanying drawings.

referring to fig. 2, a schematic diagram of an embodiment of a notification execution device in a credit item provided by the present application is shown.

Since the apparatus embodiments are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to the corresponding description of the method embodiments provided above for relevant portions. The device embodiments described below are merely illustrative.

The application provides a notice execution device in credit item, comprising:

an event execution message acquisition module 202 configured to acquire an event execution message generated by the execution of a project event for a credit project;

An item execution phase determining module 204, configured to determine, based on item event information carried by the event execution message, an item execution phase to which the item event belongs in the credit item;

an event execution notification determination module 206, configured to determine, according to a credit contract template corresponding to an item type to which the credit item belongs, an event execution notification of the item event recorded in the credit contract template at the item execution stage;

An event execution notification sending module 208 configured to send the event execution notification to the participant of the credit item.

An event execution result judgment module configured to judge whether the event execution result satisfies a trigger condition of the event execution notification; if yes, the event execution notification sending module 208 is executed.

Optionally, the credit item includes: a credit borrowing item;

the issuing party of the credit borrowing item comprises: a book mechanism;

Optionally, the credit item includes: a credit equity item;

The notification execution device in the credit project starts from the project event executed in the process that the participant participates in the credit project, determines the project execution stage of the project event in the credit project, and sends the corresponding event execution notification to the participant of the credit project in the project execution stage of the project event according to the event execution notification recorded in the credit contract template of the credit project by the project event, so that the participation degree and the perception degree of the participant on the credit project are improved, the participation enthusiasm of the user of the credit project is improved, and the promotion of the credit project and the improvement of the credit system are facilitated.

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

Fig. 3 is a block diagram illustrating a configuration of a computing device 300 according to an embodiment of the present description. The components of the computing device 300 include, but are not limited to, memory 310 and processor 320. The processor 320 is coupled to the memory 310 via a bus 330 and the database 350 is used to store data.

Computing device 300 also includes access device 340, access device 340 enabling computing device 300 to communicate via one or more networks 360. 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 340 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 300 and other components not shown in FIG. 3 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. 3 is for purposes of example only and is not limiting as to the scope of the description. Those skilled in the art may add or replace other components as desired.

Computing device 300 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.), a mobile phone (e.g., smartphone), a 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 300 may also be a mobile or stationary server.

The present application provides a computing device comprising a memory 310, a processor 320, and computer instructions stored on the memory and executable on the processor, the processor 320 being configured to execute the following computer-executable instructions:

sending the event execution notification to a participant of the credit item.

Optionally, the processor 320 is further configured to execute the following computer-executable instructions after determining, according to the credit contract template corresponding to the item type to which the credit item belongs, that the event execution notification instruction in the credit contract template that records the item event at the item execution stage is executed, and before sending the event execution notification instruction to the participant of the credit item for execution:

And if so, executing the event execution notification instruction sent to the credit item participant.

optionally, the credit item includes: a credit borrowing item;

the issuing party of the credit borrowing item comprises: a book mechanism;

Optionally, the credit item includes: a credit equity item;

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

the present application provides a computer readable storage medium storing computer instructions that, when executed by a processor, are operable to:

sending the event execution notification to a participant of the credit item.

Optionally, the credit item includes: a credit borrowing item;

The issuing party of the credit borrowing item comprises: a book mechanism;

optionally, the credit item includes: a credit equity 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 is the same as that of the above-mentioned notification execution method in the credit terms, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the notification execution method in the credit terms.

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 executing a notification in a credit item, comprising:

Sending the event execution notification to a participant of the credit item.

2. the method according to claim 1, wherein the determining, according to the credit contract template corresponding to the item type to which the credit item belongs, that the event execution notification step recorded in the credit contract template at the item execution stage of the item event is executed after the event execution notification step is executed and before the event execution notification step is executed, comprises:

3. the method of claim 1, wherein the participants of the credit project comprise: a sponsor and an offeror;

4. the method of claim 3, wherein the credit includes: a credit borrowing item;

the issuing party of the credit borrowing item comprises: a book mechanism;

5. the method for executing notification in credit item according to claim 4, wherein in a case that the credit item is a credit book borrowing item, the item event information carried in the event execution message generated by executing the book borrowing event includes a book borrowing order corresponding to a book borrowed by the book borrowing user in the book institution; and the item execution stage of the book borrowing event in the credit book borrowing item is an appointment processing stage;

6. the method for executing notification in credit item according to claim 5, wherein the item event information carried in the event execution message generated by executing the book return event is a book return order generated by the book borrowing user after the book borrowing operation is performed on the borrowed book by the book institution; and the item execution stage of the book returning event in the credit book borrowing item is a fulfillment processing stage;

7. The method of claim 3, wherein the credit includes: a credit equity item;

8. The method according to claim 7, wherein in case that the credit item is a credit public service item, the item event information carried in the event execution message generated by executing the request public service participation event is the item information of the credit public service item requested by the public service initiator; and the project execution phase of the public interest application event in the credit public interest project is an appointment processing phase;

9. The method for executing notification in credit item according to claim 8, wherein the item event information carried in the event execution message generated by executing the public welfare execution event is public welfare fulfillment information generated by the public welfare participant and/or the public welfare participant fulfilling a public welfare operation in the credit public welfare item; and the item execution stage of the public service execution event in the credit public service item is a performance processing stage;

10. A notification execution apparatus in a credit item, comprising:

11. the apparatus for executing notification in credit according to claim 10, further comprising:

12. the apparatus for performing notification in credit according to claim 10, wherein the participant of the credit comprises: a sponsor and an offeror;

13. the apparatus for performing notification in credit according to claim 12, wherein the credit includes: a credit borrowing item;

the issuing party of the credit borrowing item comprises: a book mechanism;

14. the apparatus according to claim 13, wherein, in a case where the credit item is a credit book borrowing item, the item event information carried in the event execution message generated by the book borrowing event includes a book borrowing order corresponding to a book borrowed by the book borrowing user at the book institution; and the item execution stage of the book borrowing event in the credit book borrowing item is an appointment processing stage;

15. The apparatus for notifying execution of credit items according to claim 14, wherein the item event information carried in the event execution message generated by executing the book return event is a book return order generated by the book borrowing user after the book borrowing operation performed on the borrowed book by the book institution; and the item execution stage of the book returning event in the credit book borrowing item is a fulfillment processing stage;

16. the apparatus for performing notification in credit according to claim 12, wherein the credit includes: a credit equity item;

17. the apparatus according to claim 16, wherein in the case that the credit item is a credit public service item, the item event information carried in the event execution message generated by executing the request public service participation event is item information of the credit public service item requested by the public service initiator; and the project execution phase of the public interest application event in the credit public interest project is an appointment processing phase;

18. the apparatus for performing notification in credit item according to claim 17, wherein the item event information carried in the event execution message generated by executing the public welfare execution event is public welfare fulfillment information generated by the public welfare participant and/or the public welfare participant fulfilling a public welfare operation in the credit public welfare item; and the item execution stage of the public service execution event in the credit public service item is a performance processing stage;

19. A computing device, comprising:

A memory and a processor;

Sending the event execution notification to a participant of the credit item.

20. a computer-readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the method for performing notification of credit as claimed in any of claims 1 to 9.