CN110610345A - Credit contract template configuration method and device - Google Patents
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Abstract
The method comprises the steps of receiving a credit contract template configuration instruction for a credit item, wherein the credit contract template configuration instruction comprises a credit item type; searching an original template frame corresponding to the credit item based on the credit item type; establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants; configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template; the method saves time and labor, saves cost, can meet the individual requirements of users, and is flexible in creating the credit contract template; and the configuration of the credit contract template through the credit-based credit contract terms ensures the completion of the two parties who establish a contract with the credit contract template when participating in the credit item.
Description
Technical Field
The present disclosure relates to the field of internet technologies, and in particular, to a method and an apparatus for configuring a credit contract template, a computing device, and a computer-readable storage medium.
Background
The internet is a huge network formed by connecting networks in series, the networks are connected by a set of general protocols to form a logically single huge international network, the method for connecting computer networks together can be called as network interconnection, and on the basis of the method, a global interconnection network covering the whole world is developed and called as the internet, namely, a network structure connected together. With the development of internet technology, the traditional contract paper face-to-face signing mode is not suitable for modern requirements, the signing of remote contracts is very troublesome, the contract cost is not saved, meanwhile, the execution of the contracts is not well supervised, the unfulfilled contracts cannot be restrained, the time and the labor are wasted, and the user experience is not good.
Disclosure of Invention
In view of the above, embodiments of the present disclosure provide a method and an apparatus for configuring a credit contract template, a computing device, and a computer-readable storage medium to solve technical defects in the prior art.
According to a first aspect of embodiments of the present specification, there is provided a method for configuring a credit contract template, including:
receiving credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
searching an original template frame corresponding to the credit item based on the credit item type;
establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants;
and configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template.
Optionally, the establishing of the association relationship between the event execution condition of the participant of the credit project for the project event and the participant credit includes:
and establishing an association relation between the event execution condition of the credit item for the item event and the credit of the offeror.
Optionally, the credit contract terms created based on the incidence relation include an agreement on the credit value of the offeror.
Optionally, the credit contract terms created based on the incidence relation further include an agreement on the contracting party performance rate and/or negative manifest record.
Optionally, the establishing of the association relationship between the event execution condition of the participant of the credit project for the project event and the participant credit includes:
and establishing an incidence relation between the event execution condition of the credit item aiming at the item event and the credit of the offeree.
Optionally, the credit contract terms created based on the association relationship include an agreement on the credit value of the counterparty.
Optionally, the credit contract terms created based on the association relationship further include an agreement on the corresponding contractor performance rate and/or negative manifest record.
Optionally, before searching for the original template frame corresponding to the credit item based on the credit item type, the method further includes:
and creating an original template frame corresponding to each credit item type based on each credit item type.
Optionally, the creating an original template frame corresponding to each credit item type based on each credit item type includes:
determining an element corresponding to each credit item type based on each credit item type;
creating the original template frame based on the element corresponding to each credit item type.
Optionally, before generating the credit contract template, the method further includes:
creating a credit reward and penalty treaty based on the association relationship and configuring the credit reward and penalty treaty into the original template frame.
Optionally, after generating the credit contract template, the method further includes:
receiving a signature of a party to the credit contract template for the credit project, and activating the credit contract template after the signature verification is successful.
In a second aspect, an embodiment of the present specification provides a credit contract template configuration apparatus, including:
a receiving module configured to receive credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
a search module configured to search for an original template frame corresponding to a credit item based on a credit item type;
the establishing module is configured to establish an incidence relation between event execution conditions of the credit project and the credit of the participant for the project event;
a configuration module configured to configure the credit contract terms created based on the incidence relation into the original template frame, and generate the credit contract template.
Optionally, the establishing module is further configured to:
and establishing an association relation between the event execution condition of the credit item for the item event and the credit of the offeror.
Optionally, the credit contract terms created based on the incidence relation include an agreement on the credit value of the offeror.
Optionally, the credit contract terms created based on the incidence relation further include an agreement on the contracting party performance rate and/or negative manifest record.
Optionally, the establishing module is further configured to:
and establishing an incidence relation between the event execution condition of the credit item aiming at the item event and the credit of the offeree.
Optionally, the credit contract terms created based on the association relationship include an agreement on the credit value of the counterparty.
Optionally, the credit contract terms created based on the association relationship further include an agreement on the corresponding contractor performance rate and/or negative manifest record.
Optionally, the apparatus includes:
a creation module configured to create an original template frame corresponding to each of the credit item types based on each of the credit item types.
Optionally, the creating module is further configured to:
determining an element corresponding to each credit item type based on each credit item type;
creating the original template frame based on the element corresponding to each credit item type.
Optionally, the apparatus further comprises:
a second configuration module configured to create a credit reward and penalty treaty based on the association relationship and configure the credit reward and penalty treaty into the original template frame.
Optionally, the apparatus further comprises:
an activation module configured to receive a signature of a participant of the credit item against the credit contract template and activate the credit contract template upon successful verification of the signature.
In a third aspect, an embodiment of the present specification provides a computing device, including:
a memory and a processor;
the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:
receiving credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
searching an original template frame corresponding to the credit item based on the credit item type;
establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants;
and configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template.
According to a fourth aspect of embodiments herein, there is provided a computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the credit contract template configuration method.
The specification provides a credit contract template configuration method, which comprises the steps of receiving a credit contract template configuration instruction for a credit item, wherein the credit contract template configuration instruction comprises a credit item type; searching an original template frame corresponding to the credit item based on the credit item type; establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants; configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template;
the credit contract template configuration method generates different reusable credit contract templates aiming at different credit project types by using the computer language, thereby saving time, labor and cost; different credit contract terms can be created for the credit contract template according to different credit items, so that the personalized requirements of users are met, and the creation of the credit contract template is flexible; and the higher the credit value of the participant is, the higher the performance rate of participating in the credit item is, and the lower the default rate is, so that the credit contract template is configured by the credit contract terms based on the relationship between the event execution conditions of the participant on the item event and the credit of the participant, and the completion degree of the parties who establish the contract by using the credit contract template when participating in the credit item is ensured.
Drawings
FIG. 1 is a flow chart of a method for configuring a credit contract template provided by an embodiment of the present description;
fig. 2 is a flowchart of a method for configuring a credit contract template based on a library borrowing scenario according to an embodiment of the present specification;
FIG. 3 is a flowchart of a method for configuring a credit contract template participating in a public welfare activity scenario according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of a credit contract template configuration apparatus provided in an embodiment of the present specification;
fig. 5 is a schematic structural diagram of a computing device provided in an embodiment of the present specification.
Detailed Description
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. This application is capable of implementation in many different ways than those herein set forth and of similar import by those skilled in the art without departing from the spirit of this application and is therefore not limited to the specific implementations disclosed below.
The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.
First, the noun terms to which one or more embodiments of the present invention relate are explained.
And (3) credit contract: the method is characterized in that two or more parties agree on the use of a certain service based on credit, namely, the two or more parties achieve 'authority', 'responsibility' and 'interest', and each party achieving the agreement reserves an agreed agreement datum; for example, a consensus of book borrowing and returning based on credit is achieved between the library and the users, a consensus of a plurality of users on participation in a public welfare project under the credit constraint is achieved, or a consensus of money borrowing and returning or article borrowing and returning is achieved between the users on the premise that credit is used as a mortgage;
wherein, the 'right' defines the right enjoyed by one party, and can also be understood as the 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.
Credit item: based on items participating in credit, such as library book borrowing items, a book borrowing user can participate in the credit item if the credit value of the book borrowing user meets the demand of the library book borrowing for the credit value.
A sending party: an offeror participating in a credit program. For example, the credit item is a library borrowing item, and the sponsor can be a library; where sending out an invitation to other institutions or users to participate in a credit item based on the credit item may be referred to as an offer.
The method comprises the following steps: receiving an invited party participating in a certain credit item, wherein the credit item is a library book borrowing item, and the offeror can be a book borrowing user; wherein acceptance of participation in a credit item may be referred to as an offer.
In the present application, a method and an apparatus for configuring a credit contract template, a computing device and a computer-readable storage medium are provided, which are described in detail in the following embodiments one by one.
With the continuous development of the internet technology, the convenience and richness of life can be greatly improved by applying the internet technology to life. Based on the development of the internet technology, the internet of things technology is widely applied to daily life, electronic contracts are generated according to the acquired content of the electronic contracts, time is wasted, the electronic contracts are only restricted by the professional moral and personal literacy of the parties of the two parties in the prior art, if one party is damaged, the other party is greatly lost, and under the background, a credit platform is adopted to carry out credit restriction on the parties of the two parties of the electronic contracts.
Referring to fig. 1, fig. 1 shows a flowchart of a method for configuring a credit contract template, which includes steps 102 to 108, according to an embodiment of the present disclosure.
Step 102: receiving credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type.
In one or more embodiments of the present description, the credit items include, but are not limited to, library book borrowing items, public welfare activity items, or user borrowing items.
When the credit item is a library book borrowing item, the offeror can be a library, and the offeror can be a book borrowing user; when the credit item is a public interest activity item, the contracting party can be a public interest item initiator, and the contracting party can be a participant participating in the public interest item; when the credit item is a loan item, the offeror may be a loan user, and the offeror may be a borrowing user.
The library book borrowing items are credit-based library book borrowing items, the library participates in the credit-based library book borrowing items, after participation is completed, credit value increase and decrease are conducted on the credit account of the library based on the completion condition of the library, for example, the library borrows books to book borrowing users according to appointed time, and the credit value of the credit account of the library is increased.
The public welfare activity item is a credit-based public welfare activity item, the public welfare activity initiator participates in the credit-based public welfare activity item, and after participation is completed, credit value increase and decrease are carried out on the credit account of the public welfare activity initiator based on the completion condition of the public welfare activity initiator, for example, the credit value of the credit account of the public welfare activity initiator is reduced when the public welfare activity initiator defaults.
The user borrowing item is a credit-based user borrowing item, the borrowing user participates in the credit-based user borrowing item, after participation is completed, credit value increase and decrease are carried out on the credit account of the borrowing user based on the completion condition of the borrowing user, for example, the borrowing user fulfills an agreement, and the credit value of the credit account of the borrowing user is increased by borrowing the borrowed user.
If the credit item is a library book borrowing item, the type of the credit item is a book borrowing type; if the credit item is a public interest activity item, the type of the credit item is a public interest type; and if the credit item is a user borrowing item, the type of the credit item is a borrowing type.
Taking the above as an example, the credit contract template configuration instruction for the credit item is received, that is, the credit contract template configuration instruction based on the library borrowing item is received, or the credit contract template configuration instruction based on the public interest activity item is received, or the credit contract template configuration instruction of the user borrowing item is received.
Specifically, based on the difference in the types of the credit items, the received credit contract template configuration instructions are also different, and each credit contract template configuration instruction carries an item type of a credit item corresponding to the credit contract template that needs to be created.
Step 104: and searching an original template frame corresponding to the credit item based on the credit item type.
In one or more embodiments of the present specification, before the searching for the original template frame corresponding to the credit item based on the credit item type, the method further includes:
and creating an original template frame corresponding to each credit item type based on each credit item type.
Specifically, the creating of the original template frame corresponding to each credit item type based on each credit item type includes:
determining an element corresponding to each credit item type based on each credit item type;
creating the original template frame based on the element corresponding to each credit item type.
Wherein the element corresponding to each credit item type is determined by the item type of each credit item.
If the credit item is a library book borrowing item, the item type is a book borrowing type, the element corresponding to the credit item type may include lender information, borrower information, and book borrowing items, the lender information may include, but is not limited to, a name, an address, a contact phone, and the like of the lender, the borrower information may include, but is not limited to, a name, an address, a contact phone, an identification number, an organization code, and the like of the borrower, and the book borrowing items may describe the borrowing time, the borrowing amount, the return period of the borrower, and the like.
If the credit item is a public welfare activity item, the item type is a public welfare type, the element corresponding to the credit item type may include public welfare item initiator information, a public welfare item participation address, public welfare item participant information, and public welfare item participation items, the public welfare item initiator information may include, but is not limited to, a name or an organization code, an address, a contact phone, and the like of the public welfare item initiator, the public welfare item participant information may include, but is not limited to, a name, an address, a contact phone, an identity card number, and the like of the public welfare item participant, and the public welfare item participation items may record participation time, participation content, end time, and the like of the clear public welfare activity item.
If the credit item is a user loan item, the item type is a loan type, the element corresponding to the credit item type may include lender information, borrower information, and a loan item, the lender information may include, but is not limited to, a name, an address, a contact phone, and the like of the lender, the borrower information may include, but is not limited to, a name, an address, a contact phone, an identification number, and the like of the borrower, and the loan item may record a time for clearly lending a lender loan, a usage right of the borrower, a return time of the borrower, and the like.
After determining the element corresponding to each credit item type based on each credit item type, creating the original template frame based on the element corresponding to each credit item type, wherein the content of the original template frame is different based on the difference of the elements.
When the credit item is a library book borrowing item, the credit item type is a book borrowing type, and the corresponding elements are lender information, borrower information and book borrowing items, the corresponding content in the original template frame comprises a library name, an address, a contact telephone, a name, an address, an identification number and a contact telephone of a book borrowing user, library book borrowing time, book borrowing quantity, returning time of the book borrowing user and the like.
When the credit item is a public service activity item, the item type is a public service type, and the element corresponding to the credit item type is public service item initiator information, a public service item participation address, public service item participant information and public service item participation, the corresponding original template frame comprises an organization code, an address and a contact telephone of the public service item initiator to be filled, a name, an address, an identity card number and a contact telephone of the public service item participant, participation time, participation place, participation content, ending time and the like in the public service item participation.
When the credit item is a user loan item, the credit item type is a loan type, and the corresponding elements are lender information, borrower information and a loan item, the corresponding content in the original template frame comprises a name, an address, an identity number, a contact phone of the lender to be filled, a name, an address, an identity number, a contact phone of the borrower, lender lending time in the loan item, borrower usage authority, lender return time and the like.
Step 106: and establishing an association relation between the event execution condition of the credit project for the project event and the credit of the participant.
Wherein the parties to the communication project include the offeror and the offeror.
In one or more embodiments of the present specification, if the participant of the credit item is an offeror, the establishing an association relationship between the event execution condition of the participant of the credit item for the item event and the participant credit includes:
and establishing an association relation between the event execution condition of the credit item for the item event and the credit of the offeror.
Specifically, when the credit item is a library book borrowing item, the corresponding credit item event is a book borrowing event, and the event execution condition may include, but is not limited to, that the credit value of the offeror is greater than or equal to six percent, the offeror of the credit item executes the item event, that is, the association relationship between the event execution condition of the offeror of the credit item on the item event and the credit of the offeror is established.
In practical application, when a sending party of each credit item executes aiming at a project event, the executing condition of the credit project event establishes an association relation with the credit of the sending party; taking the above as an example, the event execution of the credit item event includes that the offeror realizes an offer to the offeror in the library book borrowing item based on the library book borrowing item.
In another embodiment of the present specification, if the participant of the credit item is an offeree, the establishing the association relationship between the event execution condition of the participant of the credit item for the item event and the participant credit includes:
and establishing an incidence relation between the event execution condition of the credit item aiming at the item event and the credit of the offeree.
Specifically, when the credit item is a public interest activity item, the corresponding credit item event is a public interest event, and the event execution condition may include, but is not limited to, that the credit value of the offeree is greater than or equal to seven percent, the offeree of the credit item executes the item event, that is, an association relationship between the event execution condition of the offeree of the credit item for the item event and the credit of the offeree is established.
In practical application, when an offer party of each credit project executes aiming at a project event, the execution condition of the credit project event establishes an association relation with the credit of the offer party; taking the above as an example, the event execution of the credit event includes that the offeree successfully receives the offer of the offeror of the public interest activity item based on the public interest activity item, and participates in the public interest activity item.
In one or more embodiments of the present specification, the establishing an association relationship between an event execution condition of a participant of the credit project for a project event and the credit of the participant further includes:
and establishing an incidence relation between event execution conditions of the sponsor and the contractor of the credit project aiming at project events and the credit of the sponsor and the contractor.
Specifically, when the credit item is a user loan item, the corresponding credit item event is a loan event, and the event execution condition may include, but is not limited to, that the credit value of the offeror is greater than or equal to six percent and the credit value of the offeror is greater than or equal to seven percent, the offeror and the offeror of the credit item are implemented to execute the item event, that is, the association relationship between the event execution conditions of the offeror and the offeror of the credit item event and the credits of the offeror and the offeror is established.
Optionally, before establishing the association relationship between the event execution condition of the participant of the credit project for the project event and the credit of the participant, the method further includes:
determining a credit level of the participant based on an event execution condition of the project event.
Correspondingly, the association relationship between the event execution condition of the participant of the credit project for the project event and the credit of the participant is established, that is, the association relationship between the event execution condition of the participant of the credit project for the project event and the credit level of the participant is established.
For example, the credit rating of the participants is divided into first, second and third levels from low to high. If the event execution condition of the project event is the condition of participating in the project event, the credit level of the participant is one level; if the event execution condition of the project event is a condition for successfully completing the project event, the credit rating of the participant may need to be secondary; if the event execution condition of the project event is a condition for completing the project event in advance, the credit rating of the participant may need three levels.
In practical applications, the higher the event execution condition requirement of the project event is, the higher the credit rating of the participant is required, the credit rating of the participant is set based on a credit platform, the credit platform divides the credit rating of the participant based on historical performance information of the participant, and the like, the higher the performance rate is, the lower the default rate is, the higher the credit rating of the participant is, and the higher the completion degree of the event execution of the participant with the higher credit rating is when the actual project event is executed.
In another embodiment of this specification, after establishing the association relationship between the event execution condition of the participant of the credit project for the project event and the participant credit, the method further includes:
determining attributes of participants of the credit item;
correspondingly, configuring the credit contract terms created based on the association relationship into the original template frame, and generating the credit contract template comprises:
configuring the credit contract terms created based on the incidence relation into the original template frame, and generating the credit contract template based on the attributes of the participants of the credit item.
The method comprises the steps of configuring the credit contract terms created based on the incidence relation to the original template frame, and adjusting the configuration of the credit contract terms created based on the incidence relation to the original template frame based on the attribute of the participant of the credit item to generate the credit contract template.
Wherein the attributes of the participant include, but are not limited to, occupation, age, and territory of the participant, and the like. The determination can be made according to practical application, and the application is not limited to this.
In generating the credit contract template, the attribute of the participant is also considered, and the original template frame configured with the credit contract terms is adjusted based on the attribute of the participant to generate the credit contract template.
For example, if the credit item is a credit borrowing item and the occupation of the participant is a teacher, the original template frame configured with the terms of the credit contract may be added with the determination conditions: if the book borrowing user is a teacher, book borrowing can be achieved when the credit value of the credit platform is lower than the credit value requirement of the book borrowing user in the credit contract terms.
If the participant is 80 years old when the credit item is a running item of credit public welfare, the original template frame configured with the terms of the credit contract may be added with a determination condition: if the participant is an old person aged 80 years or older, the participant may be allowed to participate in the credit public service running project when the historical default rate is lower than the default rate requirement for the participant agreed in the credit contract terms.
Step 108: and configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template.
In one or more embodiments of the present specification, after the association relationship between the event execution condition for the offeror of the credit item and the offeror credit is established, the credit contract terms created based on the association relationship include an agreement on the offeror credit value. For example, the terms of the credit contract include an offer condition for the offeror that the offeror credit value is greater than or equal to six percent.
Optionally, the credit contract terms created based on the incidence relation further include an agreement on the contracting party performance rate and/or negative manifest record. For example, the terms of the credit contract include that the offer condition of the offeror is that the offeror has a performance rate of 30% or less and/or that the offeror has fewer than two negative inventory records; wherein the contracting party's performance rate and the contracting party's negative list may be determined according to the contracting party's historical contract behavior based on credit terms.
In one or more embodiments of the present specification, after the association relationship between the event execution condition of the offeror for the credit project event and the offeror credit is established, the credit contract terms created based on the association relationship include an agreement on the offeror credit value. For example, the terms of the credit contract may include that the offer condition of the offer party is satisfied if the offer party credit value is equal to or greater than seven percent or the offer party credit rating is two-level.
The credit contract terms created based on the associative relationship also include an agreement on the counterparty performance rate and/or negative manifest record. For example, the terms of the credit contract include that the contracting party has contracting conditions that the contracting party performs at a rate of 10% or less and/or that the contracting party has less than one negative listing record; wherein the performance rate of the offeror and the negative list of the offeror may be determined according to historical contract behavior of the offeror based on credit terms.
In one or more embodiments of the present specification, before generating the credit contract template, the method further includes:
creating a credit reward and penalty treaty based on the association relationship and configuring the credit reward and penalty treaty into the original template frame.
Wherein the credit award treaty includes, but is not limited to, an award or penalty to a participant of the credit project. For example, the credit item is a library book borrowing item, the participants comprise a book borrowing user of an appointment party and a book borrowing user of an appointment party, and the credit award and penalty treaty can agree that the library adds two credit values to the library under the condition that the library successfully realizes book borrowing based on the library book borrowing item; the credit penalty contract can also reduce the credit value of the book borrowing user when the book borrowing user does not return the book to the library in the book return deadline under the condition that the library successfully realizes book borrowing based on the book borrowing item of the library.
In practical application, the agreement of the offerer and the offer of the offeror in the credit item are realized based on a credit platform for generating a credit contract template, the offerer and the offeror in the credit item have certain credit values on the credit platform, wherein the credit values can be initially obtained according to respective qualification verification or be obtained according to tasks on the credit platform, the credit values of the offerer and the offeror in the credit item directly determine whether the offerer can successfully issue the agreement, whether the offeror can successfully apply the agreement, and the credit values of the offerer and the offeror influence respective rights, for example, in the case of library book borrowing items, if the credit value of the offeror is more than three percent, only one book can be borrowed, if the credit value of the offeror is more than six percent, three books can be borrowed, so that adding a credit penalty in the credit template can generate a contract for the offeror and the offeror of the credit contract item The great binding force also ensures the authenticity and the safety of the contracting party and the contracting party.
In one or more embodiments of the present specification, after generating the credit contract template, the method further includes:
receiving a signature of a party to the credit contract template for the credit project, and activating the credit contract template after the signature verification is successful.
The successful signature verification includes, but is not limited to, that the number of participants of the credit item is consistent with the number of signatures in the credit contract template, and other verification methods may also be used to verify the signature of the credit item, which may be set according to actual requirements, which is not limited in this application.
Activating the credit contract template to the offeror and the offeror of the credit item may establish a contract relationship based on the credit item based on the credit contract template.
The specification provides a credit contract template configuration method, which comprises the steps of receiving a credit contract template configuration instruction for a credit item, wherein the credit contract template configuration instruction comprises a credit item type; searching an original template frame corresponding to the credit item based on the credit item type; establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants; configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template;
the credit contract template configuration method generates different reusable credit contract templates aiming at different credit project types by using the computer language, thereby saving time, labor and cost; different credit contract terms can be created for the credit contract template according to different credit items, so that the personalized requirements of users are met, and the creation of the credit contract template is flexible; and the higher the credit value of the participant is, the higher the performance rate of participating in the credit item is, and the lower the default rate is, so that the credit contract template is configured by the credit contract terms based on the relationship between the event execution conditions of the participant on the item event and the credit of the participant, and the completion degree of the parties who establish the contract by using the credit contract template when participating in the credit item is ensured.
Referring to fig. 2, fig. 2 is a flowchart illustrating a method for configuring a credit contract template based on a library borrowing scenario according to an embodiment of the present specification, including steps 202 to 210.
Step 202: receiving a credit contract template configuration instruction aiming at a library book borrowing item, wherein the credit contract template configuration instruction comprises a library book borrowing item type.
Step 204: and searching an original template frame corresponding to the library book borrowing item based on the type of the library book borrowing item.
Step 206: and establishing an association relation between the event execution conditions of the library book borrowing project item for the library book borrowing events and the credit of the offeror.
Step 208: the agreement may be realized when the credit agreement terms created based on the association are greater than or equal to six percent of the credit value of the offeror.
Step 210: and configuring the credit contract terms into the original template frame to generate the credit contract template.
In the embodiment of the specification, the configuration method of the credit contract template generates the reusable credit contract template aiming at the library book borrowing project in a computer language mode, so that time and labor are saved, and the cost is saved; an applicable credit contract term can be created for the credit contract template according to the library borrowing item, so that the personalized requirements of the user are met; and a credit contract term can be generated based on a relationship established by the library for the event execution condition of the book borrowing event in the library book borrowing project and the credit of the library, the credit contract term is adopted to configure a credit contract template, book borrowing and appointment issuing can be realized only when the credit value of the library meets the requirement, the credit value of the library issued by using the credit contract template is ensured, the security of the library is ensured, and in practical application, the higher the credit value of the library is, the more perfect the system, book collection and the like of the library are represented, and the requirements of most book borrowing users can be basically met.
Referring to fig. 3, fig. 3 is a flowchart illustrating a method for configuring a credit contract template participating in a public welfare activity scenario according to an embodiment of the present specification, including steps 302 to 310.
Step 302: receiving credit contract template configuration instructions for a public interest activity item, wherein the credit contract template configuration instructions include a public interest activity item type.
Step 304: and searching an original template frame corresponding to the public welfare activity item based on the public welfare activity item type.
Step 306: and establishing an association relation between the event execution conditions of the policy handling policy on the policy activity event and the credit of the policy handling policy of the public interest activity project item.
Step 308: the offer may be realized when the credit contract terms created based on the association are equal to or greater than seven percent of the credit value of the offer party.
Step 310: and configuring the credit contract terms into the original template frame to generate the credit contract template.
In the embodiment of the specification, the credit contract template configuration method generates the reusable credit contract template aiming at the public welfare activity project by using the computer language, thereby saving time, labor and cost; an applicable credit contract term can be created for the credit contract template according to the public service activity project, so that the personalized requirements of the user are met; and generating a credit contract term based on a relationship established by a public interest item participant in the public interest activity item between event execution conditions of the public interest item participant for participating public interest events and credit of the public interest item participant, configuring a credit contract template by using the credit contract term, and realizing the response of participating the public interest events only when the credit value of the public interest item participant meets the requirement, so that the credit value of the public interest item participant who uses the credit contract template to issue a contract is ensured, the security of the public interest item participant and the completion of the public interest activity item are ensured, and in practical application, the higher the completion of the public interest item participant who has a higher credit value to complete the public interest activity item is, the lower the possibility of default is.
Referring to fig. 4, fig. 4 illustrates a credit contract template configuration apparatus provided in an embodiment of the present specification, including:
a receiving module 402 configured to receive credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
a lookup module 404 configured to lookup an original template frame corresponding to a credit item based on the credit item type;
an establishing module 406 configured to establish an association relationship between event execution conditions of the participants of the credit project for project events and the participant credit;
a configuration module 408 configured to configure the credit contract terms created based on the incidence relation into the original template frame, generating the credit contract template.
Optionally, the establishing module 406 is further configured to:
and establishing an association relation between the event execution condition of the credit item for the item event and the credit of the offeror.
Optionally, the credit contract terms created based on the incidence relation include an agreement on the credit value of the offeror.
Optionally, the credit contract terms created based on the incidence relation further include an agreement on the contracting party performance rate and/or negative manifest record.
Optionally, the establishing module 406 is further configured to:
and establishing an incidence relation between the event execution condition of the credit item aiming at the item event and the credit of the offeree.
Optionally, the credit contract terms created based on the association relationship include an agreement on the credit value of the counterparty.
Optionally, the credit contract terms created based on the association relationship further include an agreement on the corresponding contractor performance rate and/or negative manifest record.
Optionally, the apparatus includes:
a creation module configured to create an original template frame corresponding to each of the credit item types based on each of the credit item types.
Optionally, the creating module is further configured to:
determining an element corresponding to each credit item type based on each credit item type;
creating the original template frame based on the element corresponding to each credit item type.
Optionally, the apparatus further comprises:
a second configuration module configured to create a credit reward and penalty treaty based on the association relationship and configure the credit reward and penalty treaty into the original template frame.
Optionally, the apparatus further comprises:
an activation module configured to receive a signature of a participant of the credit item against the credit contract template and activate the credit contract template upon successful verification of the signature.
In one or more embodiments of the present specification, the credit contract template configuration device generates different reusable credit contract templates for different credit item types in such a computer language, which saves time, labor and cost; different credit contract terms can be created for the credit contract template according to different credit items, so that the personalized requirements of users are met, and the creation of the credit contract template is flexible; and the method can also establish a relationship between the event execution condition of the credit project participant for the project event and the credit of the participant, and configure a credit contract template through credit-based credit contract terms, thereby ensuring the binding force and the execution force of the credit project participant who establishes the contract by using the credit contract template.
FIG. 5 illustrates a block diagram of a computing device 500, according to an embodiment of the present description. The components of the computing device 500 include, but are not limited to, a memory 510 and a processor 520. Processor 520 is coupled to memory 510 via bus 530, and database 550 is used to store data.
Computing device 500 also includes access device 540, access device 540 enabling computing device 500 to communicate via one or more networks 560. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 540 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.
In one embodiment of the present description, the above-described components of computing device 500, as well as other components not shown in FIG. 5, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 5 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.
Computing device 500 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 500 may also be a mobile or stationary server.
Wherein processor 520 is configured to execute the following computer-executable instructions:
receiving credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
searching an original template frame corresponding to the credit item based on the credit item type;
establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants;
and configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template.
Optionally, the establishing of the association relationship between the event execution condition of the participant of the credit project for the project event and the participant credit includes:
and establishing an association relation between the event execution condition of the credit item for the item event and the credit of the offeror.
Optionally, the credit contract terms created based on the incidence relation include an agreement on the credit value of the offeror.
Optionally, the credit contract terms created based on the incidence relation further include an agreement on the contracting party performance rate and/or negative manifest record.
Optionally, the establishing of the association relationship between the event execution condition of the participant of the credit project for the project event and the participant credit includes:
and establishing an incidence relation between the event execution condition of the credit item aiming at the item event and the credit of the offeree.
Optionally, the credit contract terms created based on the association relationship include an agreement on the credit value of the counterparty.
Optionally, the credit contract terms created based on the association relationship further include an agreement on the corresponding contractor performance rate and/or negative manifest record.
Optionally, before searching for the original template frame corresponding to the credit item based on the credit item type, the method further includes:
and creating an original template frame corresponding to each credit item type based on each credit item type.
Optionally, the creating an original template frame corresponding to each credit item type based on each credit item type includes:
determining an element corresponding to each credit item type based on each credit item type;
creating the original template frame based on the element corresponding to each credit item type.
Optionally, before generating the credit contract template, the method further includes:
creating a credit reward and penalty treaty based on the association relationship and configuring the credit reward and penalty treaty into the original template frame.
Optionally, after generating the credit contract template, the method further includes:
receiving a signature of a party to the credit contract template for the credit project, and activating the credit contract template after the signature verification is successful.
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 belongs to the same concept as the technical solution of the above-mentioned credit contract template configuration method, 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 above-mentioned credit contract template configuration method.
An embodiment of the present application further provides a computer-readable storage medium storing computer instructions, which when executed by a processor, implement the steps of:
receiving credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
searching an original template frame corresponding to the credit item based on the credit item type;
establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants;
and configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template.
Optionally, the establishing of the association relationship between the event execution condition of the participant of the credit project for the project event and the participant credit includes:
and establishing an association relation between the event execution condition of the credit item for the item event and the credit of the offeror.
Optionally, the credit contract terms created based on the incidence relation include an agreement on the credit value of the offeror.
Optionally, the credit contract terms created based on the incidence relation further include an agreement on the contracting party performance rate and/or negative manifest record.
Optionally, the establishing of the association relationship between the event execution condition of the participant of the credit project for the project event and the participant credit includes:
and establishing an incidence relation between the event execution condition of the credit item aiming at the item event and the credit of the offeree.
Optionally, the credit contract terms created based on the association relationship include an agreement on the credit value of the counterparty.
Optionally, the credit contract terms created based on the association relationship further include an agreement on the corresponding contractor performance rate and/or negative manifest record.
Optionally, before searching for the original template frame corresponding to the credit item based on the credit item type, the method further includes:
and creating an original template frame corresponding to each credit item type based on each credit item type.
Optionally, the creating an original template frame corresponding to each credit item type based on each credit item type includes:
determining an element corresponding to each credit item type based on each credit item type;
creating the original template frame based on the element corresponding to each credit item type.
Optionally, before generating the credit contract template, the method further includes:
creating a credit reward and penalty treaty based on the association relationship and configuring the credit reward and penalty treaty into the original template frame.
Optionally, after generating the credit contract template, the method further includes:
receiving a signature of a party to the credit contract template for the credit project, and activating the credit contract template after the signature verification is successful.
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 belongs to the same concept as the technical solution of the above-mentioned credit contract template configuration method, 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 above-mentioned credit contract template configuration method.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
It should be noted that, for the sake of simplicity, the above-mentioned method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present application is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
The preferred embodiments of the present application disclosed above are intended only to aid in the explanation of the application. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the application and the practical application, to thereby enable others skilled in the art to best understand and utilize the application. The application is limited only by the claims and their full scope and equivalents.
Claims (15)
1. A method for configuring a credit contract template, comprising:
receiving credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
searching an original template frame corresponding to the credit item based on the credit item type;
establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants;
and configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template.
2. The method of claim 1, wherein the establishing of the association relationship between the event execution condition of the participant of the credit project for the project event and the credit of the participant comprises:
and establishing an association relation between the event execution condition of the credit item for the item event and the credit of the offeror.
3. The method of claim 2, wherein the credit contract terms created based on the associative relationship include an agreement on the credit value of the offeror.
4. The method of claim 3, wherein the credit contract terms created based on the associative relationship further include an agreement on the contracting party performance rate and/or negative manifest record.
5. The method of claim 1, wherein the establishing of the association relationship between the event execution condition of the participant of the credit project for the project event and the credit of the participant comprises:
and establishing an incidence relation between the event execution condition of the credit item aiming at the item event and the credit of the offeree.
6. The method of claim 5, wherein the credit contract terms created based on the associative relationship include an agreement on the counterparty credit value.
7. The method of claim 6, wherein the credit contract terms created based on the associative relationship further include an agreement on the counterparty performance rate and/or negative manifest record.
8. The method of claim 1, wherein prior to finding an original template frame corresponding to the credit item based on the credit item type, further comprising:
and creating an original template frame corresponding to each credit item type based on each credit item type.
9. The method of claim 8, wherein creating the raw template frame corresponding to each of the credit item types based on each of the credit item types comprises:
determining an element corresponding to each credit item type based on each credit item type;
creating the original template frame based on the element corresponding to each credit item type.
10. The method of claim 1, wherein prior to generating the credit contract template, further comprising:
creating a credit reward and penalty treaty based on the association relationship and configuring the credit reward and penalty treaty into the original template frame.
11. The method of claim 1, wherein after generating the credit contract template, further comprising:
receiving a signature of a party to the credit contract template for the credit project, and activating the credit contract template after the signature verification is successful.
12. A credit contract template configuration apparatus, comprising:
a receiving module configured to receive credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
a search module configured to search for an original template frame corresponding to a credit item based on a credit item type;
the establishing module is configured to establish an incidence relation between event execution conditions of the credit project and the credit of the participant for the project event;
a configuration module configured to configure the credit contract terms created based on the incidence relation into the original template frame, and generate the credit contract template.
13. The apparatus of claim 12, wherein the establishing module is further configured to:
and establishing an association relation between the event execution condition of the credit item for the item event and the credit of the offeror.
14. 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:
receiving credit contract template configuration instructions for a credit item, wherein the credit contract template configuration instructions include a credit item type;
searching an original template frame corresponding to the credit item based on the credit item type;
establishing an incidence relation between event execution conditions of the credit project for project events and the credit of the participants;
and configuring the credit contract terms created based on the incidence relation into the original template frame to generate the credit contract template.
15. A computer-readable storage medium storing computer instructions, which when executed by a processor, perform the steps of the method of any one of claims 1 to 11.
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| CN201910704378.2A CN110610345A (en) | 2019-07-31 | 2019-07-31 | Credit contract template configuration method and device |
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Application publication date: 20191224 |