CN110838066A

CN110838066A - Settlement system, method and device under credit transaction scene

Info

Publication number: CN110838066A
Application number: CN201911060321.XA
Authority: CN
Inventors: 林晨
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-11-01
Filing date: 2019-11-01
Publication date: 2020-02-25

Abstract

The embodiment of the specification provides a settlement system, a method and a device in a credit transaction scene, wherein the settlement system in the credit transaction scene comprises: the system comprises a transaction module, a settlement module and a project management module; wherein the transaction module is configured to send a deduction notification to the settlement module in case the transaction order is effectively paid; the settlement module is configured to carry out deduction operation on a merchant account of a transaction merchant under the condition of receiving a deduction notice sent by the transaction module, and deposit the reward amount obtained by deduction into an intermediate account corresponding to the credit period of the transaction sheet; and under the condition of receiving the settlement notice of the project management module, performing settlement processing on the total reward amount of the intermediate account according to the account information of the effective members performing effective credit transaction in the target credit period corresponding to the settlement notice; a project management module configured to send the settlement notification to a settlement module when a settlement deadline for the target credit period is reached.

Description

Settlement system, method and device under credit transaction scene

Technical Field

The embodiment of the specification relates to the technical field of internet, in particular to a settlement system in a credit transaction scene. One or more embodiments of the present disclosure also relate to a settlement method and apparatus in a credit transaction scenario, a reward issuance method and apparatus for a credit item, two computing devices, and two computer-readable storage media.

Background

With the development of the internet, the way in which users transact with transaction merchants is more and more varied, however, the incentive for users to successfully fulfill transactions is single. The current mode of rewarding users for successful fulfillment of transactions is generally rewarding a single user for a single successful fulfillment transaction, it is difficult to continually motivate users to fulfill the awareness of transactions and to fulfill the enthusiasm of transactions, it is also difficult to play a role in mutual supervision among users, and there is a need to provide a more reliable solution.

Disclosure of Invention

In view of this, the embodiments of the present specification provide a settlement system in a credit transaction scenario. One or more embodiments of the present disclosure relate to a settlement method and apparatus in a credit transaction scenario, a reward issuance method and apparatus for a credit item, two computing devices, and two computer-readable storage media, so as to solve technical defects in the prior art.

According to a first aspect of embodiments of the present specification, there is provided a settlement system in a credit transaction scenario, including:

the system comprises a transaction module, a settlement module and a project management module;

the transaction module is configured to execute credit transaction between a transaction member in a credit transaction item and a transaction merchant, perform payment processing on a generated transaction sheet, and send a deduction notification to the settlement module under the condition that the transaction sheet is effectively paid;

the settlement module is configured to calculate an obtained reward amount according to the payment amount and the transaction rate recorded in the transaction list to carry out a deduction operation on a merchant account of the transaction merchant under the condition that the deduction notification sent by the transaction module is received, and store the reward amount obtained by deduction into an intermediate account corresponding to the credit period of the transaction list;

under the condition that a settlement notice of the project management module is received, collecting effective members for performing effective credit transaction in a target credit period corresponding to the settlement notice from the project management module, splitting the total reward amount of an intermediate account corresponding to the target credit period according to the member number of the effective members, and settling the split reward amount according to the account information of the effective members;

the item management module is configured to judge whether a credit transaction conducted by a transaction member and a transaction merchant is a valid credit transaction, determine the valid member conducting the valid credit transaction in the target credit period according to a judgment result, and send the settlement notification to the settlement module when a settlement deadline of the target credit period is reached.

Optionally, the total amount of the rewards is accumulated according to the payment amount recorded in the transaction list effectively paid in the target credit period and the reward amount obtained by the transaction rate;

counting the number of the members of the effective members by calculating the number of the identifiers of the remaining member identifiers after removing the repeated member identifiers in the member identifiers of the transaction members corresponding to the transaction orders effectively paid in the target credit period;

the reward sub-amount is determined by calculating the ratio of the total reward amount to the number of members.

Optionally, the project management module is further configured to:

acquiring the total reward amount of the intermediate account corresponding to the target credit period from the settlement module;

and displaying the total amount of the rewards and the number of the members on a project page of the credit transaction project.

Optionally, the settling the split bonus funds according to the account information of the active member includes:

acquiring account information of the effective member;

and respectively paying the split award sub-amounts to member accounts corresponding to the account information.

Optionally, the project management module is further configured to:

acquiring a historical trading order of a user from the trading module based on a trading instruction of the user for carrying out credit trading with a trading merchant;

performing credit evaluation on the user according to the historical trading order;

and in the case that the evaluation result of the credit evaluation is passed, adding the user as a transaction member to the credit transaction item.

Optionally, the transaction order is generated as follows:

receiving a trading instruction sent by any trading member of the trading members participating in the credit trading item aiming at a trading invitation issued by a trading merchant, wherein the trading invitation is issued according to a trading template and a trading rate set on the trading template;

and generating a transaction list according to the transaction information carried by the transaction invitation and the transaction instruction.

Optionally, the project management module is further configured to:

in the event that any of the transaction members participating in the credit transaction item is detected to have an unsuccessfully fulfilled transaction order, posting the unsuccessfully fulfilled transaction order in the credit transaction item;

clearing the any transaction member from the credit transaction item.

Optionally, the project management module is further configured to:

acquiring the total unfinished reward amount of the intermediate account corresponding to the unfinished credit period from the settlement module;

determining a number of outstanding members of the outstanding valid members who successfully fulfilled the transaction order within the outstanding credit period;

presenting the outstanding reward total and the outstanding member number to the transaction member participating in the credit transaction item on an item page of the credit transaction item.

Optionally, the method includes:

collecting valid members who conduct valid credit transactions with a credit merchant in a target credit period under the condition that a settlement deadline of the target credit period of a credit transaction item is reached;

splitting the total reward amount of the intermediate account corresponding to the target credit period according to the member number of the effective member;

and settling the split bonus funds according to the account information of the effective members.

Optionally, the total amount of the rewards of the intermediate account is determined as follows:

under the condition that the transaction list is effectively paid, calculating through the payment amount and the transaction rate recorded in the transaction list to obtain an award amount;

the reward amount is stored into an intermediate account corresponding to the target credit period of the transaction list in a mode of deducting money from a merchant account of the transaction merchant according to the reward amount;

and accumulating the reward amount stored in the intermediate account in the target credit period to obtain the total reward amount.

Optionally, the number of the members of the valid member is counted by calculating the number of the identifiers of the remaining member identifiers after removing the repeated member identifiers from the member identifiers of the transaction members corresponding to the transaction order which is effectively paid in the target credit period;

acquiring account information of the effective member;

According to a third aspect of embodiments of the present specification, there is provided a settlement apparatus in a credit transaction scenario, including:

the collection module is configured to collect effective members who conduct effective credit transactions with credit merchants in a target credit period of a credit transaction item under the condition that a settlement deadline of the target credit period reaches;

the splitting module is configured to split the total reward amount of the intermediate account corresponding to the target credit period according to the member number of the effective members;

and the settlement module is configured to settle the split reward fund amount according to the account information of the effective member.

According to a fourth aspect of embodiments herein, there is provided a method for rewarding credit items, including:

acquiring performance behavior data of project members participating in the credit project aiming at the contract in a target credit period;

determining, based on the performance data, a total amount of rewards accrued by the item members in the credit item by way of contract fulfillment in a credit reward pool, and a number of members of valid item members who successfully fulfilled the contract;

calculating the reward limit of each effective project member according to the total reward amount and the member number;

and issuing project rewards for successfully fulfilling the contract in the target credit period to the effective project members according to the reward amount.

Optionally, the total reward amount in the credit reward pool is accumulated according to a performance limit and a reward conversion rate of each successfully performed contract in the performance behavior data, wherein the calculated contract reward limit corresponds to each successfully performed contract;

counting the number of the members of the effective item members by calculating the number of the identifiers of the remaining member identifiers after the repeated member identifiers are removed from the member identifiers of the effective item members in each successfully fulfilled contract in the obtained performance behavior data;

and the bonus limit of each effective item member is determined by calculating the ratio of the bonus total amount to the number of the members.

Optionally, after the step of determining the total amount of rewards accumulated in the credit reward pool by the item members in the credit item through the mode of fulfilling the contract and the number of members of the valid item members who successfully fulfill the contract is executed, the method further comprises the following steps:

and displaying the total amount of the rewards and the number of the members on a project page of the credit project.

Optionally, the calculating the bonus limit of each effective item member according to the bonus total and the member number includes:

obtaining a contract number of contracts successfully fulfilled by the respective valid item members within the target credit period;

determining the reward level of each effective item member according to the contract number, and determining the number of level members at each reward level in the member number;

obtaining the level reward amount of each reward level based on the reward proportion corresponding to each reward level;

and calculating the bonus limit according to the level bonus limit and the number of the level members.

Optionally, the issuing of the project reward of successful contract fulfillment in the target credit cycle to each valid project member according to the reward limit includes:

if the contract type of the contract successfully fulfilled by any one of the effective item members in the target credit period comprises a shopping type, awarding the item to any one of the effective item members comprises a fund amount and/or a shopping coupon corresponding to the award amount;

and/or the presence of a gas in the gas,

if the contract type of the contract successfully fulfilled by any effective item member in the effective item members in the target credit period comprises a public interest type, the item reward issued to any effective item member comprises credit points corresponding to the reward amount;

and/or the presence of a gas in the gas,

if the contract type of the contract successfully fulfilled by any one of the effective project members in the target credit period comprises a lease type, the project reward issued to any one of the effective project members comprises an item corresponding to the reward amount.

Optionally, the method for rewarding the credit item further includes:

receiving a purchase request of a user for purchasing a contract commodity;

acquiring historical performance behavior data of the user for a contract based on the purchase request;

performing behavior assessment on the user according to the historical performance behavior data;

establishing a contract of a purchase type with a merchant that provides the contract commodity based on the purchase request in a case where an evaluation result of the behavior evaluation is passed;

and adding the user as a project member to the credit project.

Optionally, the method for rewarding the credit item further includes:

receiving a participation request of a user for participating in the credit project;

acquiring historical performance behavior data of the user for the contract based on the participation request;

and in the case that the evaluation result of the behavior evaluation is passed, adding the user as a project member to the credit project.

Optionally, after the step of joining the user as a member of the item to the credit item is executed, the method further includes:

receiving an offer order issued by any one of the project members participating in the credit project for an offer request issued according to a contract template and a reward conversion rate set on the contract template;

and establishing a contract according to the offer information carried by the offer request and the offer order.

Optionally, the method for rewarding the credit item further includes:

in the event that it is detected that any of the item members participating in the credit item has fulfillment behavior data for an unsuccessful fulfillment contract, posting the fulfillment behavior data for the unsuccessful fulfillment contract to the item member;

clearing the any item member from the credit item.

Optionally, the method for rewarding the credit item further includes:

acquiring outstanding period performance behavior data of the item members participating in the credit item for the contract in the outstanding credit period;

determining, from the outstanding period performance data, a total outstanding awards accrued by the credit items in the item award pool by way of item member performance of a contract during the outstanding credit period, and a number of outstanding members of outstanding active item members who successfully perform the contract during the outstanding credit period;

presenting the outstanding rewards total and the outstanding members number to the item members participating in the credit item on an item page of the credit item.

According to a fifth aspect of embodiments herein, there is provided a reward issuance apparatus for credit items, including:

an acquisition module configured to acquire performance behavior data of a project member participating in a credit project for a contract within a target credit period;

a determination module configured to determine, based on the performance data, a total amount of rewards accrued by item members in the credit item by way of fulfilling a contract in a credit reward pool, and a number of members of valid item members who successfully fulfill the contract;

the calculation module is configured to calculate the bonus limit of each effective project member according to the bonus total and the member number;

and the issuing module is configured to issue item rewards for successful contract fulfillment in the target credit period to each effective item member according to the reward limit.

According to a sixth aspect of embodiments herein, there is provided 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:

According to a seventh aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

and issuing project rewards for successfully fulfilling the contract in the target credit period to each effective project member according to the reward amount.

According to an eighth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of any one of the settlement methods in a credit transaction scenario.

According to a ninth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions which, when executed by a processor, implement the steps of any of the methods of reward distribution of credit items.

The present specification provides a settlement system in a credit transaction scenario, comprising: the system comprises a transaction module, a settlement module and a project management module; the transaction module is configured to execute credit transaction between a transaction member in a credit transaction item and a transaction merchant, perform payment processing on a generated transaction sheet, and send a deduction notification to the settlement module under the condition that the transaction sheet is effectively paid; the settlement module is configured to calculate an obtained reward amount according to the payment amount and the transaction rate recorded in the transaction list to carry out a deduction operation on a merchant account of the transaction merchant under the condition that the deduction notification sent by the transaction module is received, and store the reward amount obtained by deduction into an intermediate account corresponding to the credit period of the transaction list; under the condition that a settlement notice of the project management module is received, collecting effective members for performing effective credit transaction in a target credit period corresponding to the settlement notice from the project management module, splitting the total reward amount of an intermediate account corresponding to the target credit period according to the member number of the effective members, and settling the split reward amount according to the account information of the effective members; the item management module is configured to judge whether a credit transaction conducted by a transaction member and a transaction merchant is a valid credit transaction, determine the valid member conducting the valid credit transaction in the target credit period according to a judgment result, and send the settlement notification to the settlement module when a settlement deadline of the target credit period is reached.

In the settlement system under the credit transaction scenario provided by one embodiment of the present specification, through the mutual cooperation of the transaction module, the settlement module and the item management module, when the transaction order generated by the credit transaction between the transaction member and the transaction merchant in the credit transaction item is effectively paid, the settlement module deducts money from the transaction merchant according to the payment amount and the transaction rate recorded in the transaction order, and accumulates the award amount obtained by deduction in the intermediate account of the settlement module, so that when the settlement deadline of the target credit period is reached, the accumulated award total amount is taken as the award for the effective member who performs effective transaction in the target credit period for settlement processing, thereby realizing that a part of the payment amount in the effectively paid transaction order is taken as the award amount of the credit period to which the transaction order belongs, and awarding the effective member who performs effective transaction in the target credit period through the award total amount corresponding to the target credit period, encouraging transaction members participating in the credit transaction item to actively and successfully fulfill the transaction and increasing awareness that transaction members actively fulfill the transaction.

The present specification provides a method for rewarding credit items, comprising: acquiring performance behavior data of project members participating in the credit project aiming at the contract in a target credit period; determining, based on the performance data, a total amount of rewards accrued by the item members in the credit item by way of contract fulfillment in a credit reward pool, and a number of members of valid item members who successfully fulfilled the contract; calculating the reward limit of each effective project member according to the total reward amount and the member number; and issuing project rewards for successfully fulfilling the contract in the target credit period to each effective project member according to the reward amount.

The method for rewarding and issuing the credit item includes determining a total amount of rewards accumulated by item members participating in the credit item in successful contract fulfillment in a target credit period and the number of the member members of effective item members successfully fulfilling the contract, calculating the reward amount of each effective item member according to the total amount of rewards and the number of the member members, issuing the item rewards of the successful contract fulfillment in the target credit period to each effective item member according to the reward amount, issuing the item rewards to the item members successfully fulfilling the contract, encouraging the item members participating in the credit item to actively and successfully fulfill the contract, and improving the sense of performance of the item members actively fulfilling the contract.

Drawings

Fig. 1 is a block diagram illustrating a settlement system in a credit transaction scenario according to an embodiment of the present disclosure;

FIG. 2 is a flow chart of a settlement method in a credit transaction scenario according to an embodiment of the present disclosure;

fig. 3 is a schematic structural diagram of a settlement device in a credit transaction scenario according to an embodiment of the present disclosure;

FIG. 4 is a flow chart of a method for rewarding credit for an item of credit provided in one embodiment of the present disclosure;

FIG. 5 is a process flow diagram of a method for rewarding credit terms applied to a business contract according to one embodiment of the present disclosure;

FIG. 6 is a schematic diagram of an exemplary embodiment of a credit reward dispensing device;

FIG. 7 is a block diagram of a computing device, provided in one embodiment of the present description;

FIG. 8 is a block diagram of another computing device provided in one embodiment of the present description.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

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.

In this specification, a settlement system in a credit transaction scenario is provided. One or more embodiments of the present disclosure also relate to a settlement method and apparatus in a credit transaction scenario, a reward issuance method and apparatus for a credit item, two computing devices, and two computer-readable storage media. The details are described in the following examples one by one.

The embodiment of the settlement system in the context of credit transaction provided by the specification is as follows:

fig. 1 is a block diagram illustrating a settlement system in a credit transaction scenario according to an embodiment of the present disclosure.

The settlement system under the credit transaction scene comprises:

a transaction module 102, a settlement module 104, and a project management module 106;

the transaction module 102 is configured to execute a credit transaction between a transaction member in a credit transaction item and a transaction merchant, perform payment processing on a generated transaction sheet, and send a deduction notification to the settlement module 104 if the transaction sheet is effectively paid;

the settlement module 104 is configured to, in a case that the deduction notification sent by the transaction module 102 is received, calculate an obtained award amount according to the payment amount and the transaction rate recorded in the transaction order, and deduct money from a merchant account of the transaction merchant, and deposit the obtained award amount into an intermediate account corresponding to the credit period to which the transaction order belongs;

under the condition that a settlement notice of the project management module 106 is received, collecting effective members for performing effective credit transaction in a target credit period corresponding to the settlement notice from the project management module, splitting the total reward amount of an intermediate account corresponding to the target credit period according to the member number of the effective members, and settling the split reward amount according to the account information of the effective members;

the item management module 106 is configured to determine whether a credit transaction conducted by a transaction member and a transaction merchant is a valid credit transaction, determine a valid member conducting a valid credit transaction in the target credit period according to a determination result, and send the settlement notification to the settlement module 104 when a settlement deadline of the target credit period is reached.

The credit transaction item is used for encouraging and supervising transaction members participating in the credit transaction item and transaction merchants to continuously and successfully fulfill transactions based on generated transaction lists, specifically, the credit transaction item takes an evaluation result of credit evaluation performed on a user as a basis of an admission threshold of adding the credit transaction item, the user is taken as a transaction member of the credit transaction item after adding the credit transaction item, systematic and long-term observation is performed on transaction behaviors of the user, under the condition that the transaction member does not fulfill the transactions, not only is clearing performed on the transaction member performed, but also the transaction not fulfilled is publicized in a transaction publicizing mode, so that mutual supervision and promotion among the transaction members are formed, and the transaction member who continuously transacts and fulfills in the transaction member is awarded and encouraged.

In practical applications, when a transaction member performs a credit transaction with a transaction merchant, the transaction member needs to perform the transaction according to an agreement in a transaction order generated by performing the credit transaction with the transaction merchant, and specifically, the credit transaction of a credit transaction item includes: first share and then pay, 0 yuan purchase, etc., and the transaction member pays the payment of the goods or refunds the goods, etc. according to the agreement in the transaction list.

In specific implementation, the transaction is carried out after sharing, namely, a merchant delivers goods to a transaction member, the transaction member can try the goods in a trial period according to the trial period appointed in a transaction list, if the trial period is satisfactory, the payment of the goods is paid, and if the trial period is unsatisfactory, the goods is returned to the merchant; the 0-yuan purchase transaction may be that the transaction member does not directly spend money to purchase an item, but may purchase the item through a cash back obtained by purchasing other items.

The transaction rate refers to a conversion rate between the payment amount and the reward amount, and specifically, the transaction rate may be calculated as the reward amount by calculating a product of the payment amount and the transaction rate, and the transaction rate is preset by a transaction merchant before a transaction, or may be a set transaction rate corresponding to a transaction type of the transaction, which is not limited herein.

Taking the example that the transaction member PA successfully fulfills the transaction order01, the amount of the order paid by the transaction member PA successfully fulfilling the transaction order01 is 600 yuan, the payment amount of the transaction order01 is 600 yuan, and the transaction rate set by the transaction merchant is 0.5%, and the award amount corresponding to the successfully paid transaction order01 is 600 × 0.3% — 4 yuan.

The credit period refers to a time period during which the credit transaction item pays an award for settlement of the transaction member, and the credit periods are linked with each other, that is, one credit period is followed by the next credit period, for example, a natural month is taken as one credit period, 5 months is taken as one credit period, and 6 months is taken as the next credit period, and the credit period may be one week or one quarter, which is not limited herein.

Specifically, each credit cycle may have its corresponding intermediate account for storing the award amount to be deducted from the merchant account of the transaction merchant during the credit cycle, and for performing settlement processing for the transaction member who continues to fulfill the transaction during the credit cycle for the settlement period of the credit cycle.

The target credit cycle refers to a credit cycle in which the current settlement module 104 settles for an active member who performs active transaction in the credit transaction items, for example, 5 months is the target credit cycle, and the settlement module 104 performs settlement processing for the active member who performs active transaction in the credit transaction items within the target credit cycle of 5 months when receiving the settlement notification sent by the item management module 106.

In practical applications, a natural month is often used as a credit period, and the reward of the previous credit period is settled for the trading member who performed the transaction in the previous credit period after entering the next credit period, for example, 6 days of each month is the settlement period of the previous credit period, and the reward of the previous credit period is settled for 6 numbers of each month.

In the process that a transaction member participates in a credit transaction item, a transaction member who fulfills the transaction needs to be rewarded with an item on the basis of a credit transaction conducted between the transaction member and a transaction merchant, in the settlement system under the credit transaction scenario provided by the present specification, a transaction order is generated for the credit transaction conducted between the transaction member and the transaction merchant through a transaction module 102, and the generated transaction order is stored in the transaction module 102, specifically, a payment amount and a transaction rate which the transaction member needs to pay are recorded in the transaction order, after the transaction member in the transaction module 102 successfully fulfills the transaction, that is, the payment amount is paid to the transaction merchant according to the payment amount recorded in the transaction order, a deduction is sent to the settlement module 104 to inform the settlement module 104 of calculating an award amount through the payment amount and the transaction rate recorded in the transaction order which is successfully fulfilled, deducting the payment of the merchant account of the transaction merchant according to the calculated reward amount, and storing the payment into an intermediate account of the credit period to which the transaction sheet belongs;

when the settlement deadline of the target credit period is reached, the item management module 106 generates a settlement notification to the settlement module 104, after the settlement module 104 receives the settlement notification, the valid members corresponding to all successfully paid transaction orders in the target credit period, namely the valid members performing valid transactions in the target credit period, are collected, the total amount of the rewards obtained through the accumulated reward amount of the intermediate accounts corresponding to the target credit period is split according to the member number of the valid members, and the split reward sub-amount is settled according to the account information of the valid members.

In an optional implementation manner provided by the embodiments of the present specification, the total amount of the reward is accumulated according to a payment amount recorded in the transaction ticket effectively paid in the target credit period and a reward amount obtained at the transaction rate.

Taking the example of the successful fulfillment of the transaction order01 by the transaction member PA, the successfully paid transaction order01 corresponds to an award amount of 600 × 0.3% ═ 4 dollars.

Assuming that there are successfully fulfilled transaction order02 and transaction order03 in the target credit period in addition to the above transaction order01, and the award amounts of the above two transaction orders are 2.3 yuan and 5.5 yuan, respectively, the total of the award amounts corresponding to the transaction order01, the transaction order02 and the transaction order03 is 4+2.3+ 5.5-11.8 yuan, which is the total award amount.

Optionally, the number of the members of the valid member is counted by calculating the number of the identifiers of the remaining member identifiers after removing the repeated member identifiers from the member identifiers of the transaction members corresponding to the transaction order effectively paid in the target credit period.

The member identification of the transaction member refers to a code identification which can uniquely identify the transaction member in the transaction list.

Taking the successfully fulfilled transaction order01, the transaction order02 and the transaction order03 as examples, the member identifiers of the corresponding valid members in the transaction orders are PA01, PA03 and PA01, that is, it can be seen that the transaction order01 and the transaction order03 are fulfilled by the same valid member, after the repeated member identifiers are removed from the three member identifiers, the remaining member identifiers are PA01 and PA03, and the counted number 2 of the remaining member identifiers is taken as the number of the valid members, so that the number of the valid members is 2.

In practical application, besides the number of the member identifiers after the member identifiers of the valid members are deduplicated is taken as the number of the member identifiers of the valid members, the number of the member identifiers of the transaction members corresponding to the transaction order effectively paid in the target credit period can be directly taken as the number of the member identifiers of the valid members, and in this case, if one valid member conducts effective transactions for multiple times in the target credit period, multiple times of award sub-amounts can be obtained according to the number of the transactions.

Optionally, the award sub-amount is determined by calculating a ratio of the total award amount to the number of members.

Taking the target credit cycle as an example, 3 successful transaction orders in the target credit cycle are respectively the transaction order01, the transaction order02 and the transaction order03, the total award amount accumulated for the 3 transaction orders is 10.5 yuan, and the number of the members of the valid member is 2, the total award amount is split according to the number of the members to obtain two split award sub-amounts, and the two split award sub-amounts are both 11.8/2-5.9 yuan.

In the embodiment of the specification, the total amount of the rewards is accumulated according to the payment amount recorded in the transaction list which is effectively paid in the target credit period and the reward amount obtained by the transaction rate, so that the total amount of the rewards is increased along with the increase of the reward amount obtained by the transaction list which is successfully fulfilled, the payment amounts related to all the transaction lists which are successfully fulfilled by effective members in the target credit period are reflected to a certain extent, and the transaction members can be effectively encouraged to actively fulfill the transaction; the member number of the effective members is counted by calculating the number of identification numbers of removing repeated member identification in the member identification of the transaction member corresponding to the transaction list effectively paid in the obtained target credit period, so that the accuracy of the member number is ensured, the member number is the number of people who can obtain the settled reward sub-amount in the target credit period, and a data basis is provided for the subsequent calculation of the reward sub-amount of each effective member; the reward sub-amount is determined according to the ratio of the total reward amount to the number of the members, the reward sub-amount of each effective member is calculated efficiently, and a reward basis is provided for subsequently issuing rewards for each effective member.

In practical applications, in order to better remind the transaction member in the credit transaction item of performing valid transaction, in an optional implementation manner provided by the embodiment of the present specification, after performing settlement processing on the to-be-split award sub-amount according to the account information of the valid member, the item management module 106 is further configured to:

obtaining the total reward amount of the intermediate account corresponding to the target credit period from the settlement module 104;

Along the above example, the total amount of the awards of the intermediate account corresponding to the target credit period is 11.8 yuan, and the number of the members of the effective members is 2, the two data are displayed on the item page of the credit transaction item.

In the embodiment of the specification, the total amount of the rewards and the number of the members are displayed on the item page of the credit transaction item, so that the consciousness of successful transaction fulfillment of the transaction members can be improved, the enthusiasm of the transaction members for transaction fulfillment is improved, and more users are further attracted to participate in the credit transaction item.

Further, in an optional implementation manner provided by an embodiment of this specification, the settling the split award fund according to the account information of the active member includes:

acquiring account information of the effective member;

The account information may be a third party account bound by the valid member in the credit transaction item, or may be platform account information opened for the valid member in the item platform carrying the credit transaction item, or may be a payment account for the valid member to perform the valid transaction, which is not limited herein.

Along the above example, there are two valid members, the obtained account information of the two valid members are card01 and card02, respectively, and the two split bonus sub-amounts are both 5.9 yuan, which are respectively paid for 5.9 yuan to card01 and the member account corresponding to card 02.

In the embodiment of the specification, the split awarded sub-amounts are respectively paid to the member accounts corresponding to the account information of the effective members, so that the effective members who perform the transaction are rewarded, the enthusiasm of the transaction members who successfully perform the transaction is improved, and more users are further attracted to participate in the credit transaction item.

In practical applications, in addition to that a user can directly serve as a transaction member of a credit transaction item, the user needs to satisfy an adding condition to add the credit transaction item, in an optional implementation manner provided by this specification, the item management module 106, before a transaction member in the credit transaction item performs a credit transaction with a transaction merchant, is further configured to:

acquiring a historical transaction list of a user from the transaction module 102 based on a transaction instruction of the user for performing credit transaction with a transaction merchant;

The transaction instruction may be a purchase instruction for the user to purchase a credit commodity provided by the transaction merchant.

The historical transaction order may be a transaction order generated by a user performing a credit transaction with a transaction merchant within a period of time, specifically, the period of time may be 3 months or half a year, which is not limited herein.

In practical applications, the credit evaluation is performed according to a historical transaction order obtained by the user performing credit transaction in the transaction module 102, which may be to evaluate whether the user has an unsuccessful transaction order in the historical transaction order, and if so, to evaluate that the credit of the user is not passed; or evaluating whether the payment amount unsuccessfully fulfilled by the user in the historical transaction exceeds a preset amount threshold, if so, evaluating that the credit of the user does not pass, or evaluating whether the number of times that the user unsuccessfully fulfilled in the historical transaction list exceeds a preset number threshold, if so, evaluating that the credit of the user does not pass, and in addition, other credit evaluation modes are provided, which are not limited herein.

In practical application, if the evaluation result of the credit evaluation on the user is passed, the user is allowed to conduct credit transaction with the transaction merchant, the user is taken as a transaction member to join in a credit transaction item, and if the evaluation result of the credit evaluation on the user is not passed, the user is refused to conduct credit transaction with the transaction merchant, and the user is refused to participate in the credit transaction item.

In the embodiment of the present specification, based on a transaction instruction for performing a credit transaction between a user and a transaction merchant, a historical transaction order of the user is obtained from the transaction module 102, and the credit evaluation is performed on the user according to the historical transaction order, and in the case that the evaluation result of the credit evaluation is passed, the user is taken as a transaction member and added to a credit transaction item, so that the participation rate of the user in participating in the credit transaction item is increased, the awareness that the user successfully fulfills the transaction is also increased, and before the user adds the credit item, the credit evaluation is performed on the user, so that the credit level of the transaction member participating in the credit transaction item is increased, the possible transaction disputes are reduced, and the reliability of the continuous performance of the credit transaction item is increased.

In an optional implementation manner provided by the embodiment of this specification, on the basis that the user is used as a transaction member to join a credit transaction item, the transaction order is generated as follows:

Specifically, the transaction invitation may be a pop-up invitation issued by a transaction merchant for a specific transaction member, or may be an invitation issued by the transaction merchant in the form of a transaction commodity in a commodity list, where the invitation request carries specific invitation information, and the invitation information may include a term information supplemented on the basis of a transaction template and a transaction rate set on the basis of the transaction template by selecting a corresponding transaction template according to the needs of an actual service through the transaction merchant, and the transaction rate is used to convert the payment amount in the transaction list into an award amount through the transaction rate after the transaction member successfully fulfills the transaction;

after the transaction rate is set, a transaction invitation may be issued according to the transaction template and the transaction rate, and the transaction information included in the transaction invitation may include: inviting to try a certain commodity, wherein the price of the commodity is 500 yuan, the trial period is 15 days, if the trial is satisfactory, paying 500 yuan to purchase the commodity, if the trial is unsatisfactory, returning the commodity, and the transaction rate of successfully fulfilling the transaction is 0.5%, and generating a transaction list under the condition that a transaction member sends a transaction instruction aiming at the transaction invitation.

In the embodiment of the present specification, the transaction module 102 generates the transaction order according to the transaction information and the transaction rate carried by the transaction invitation when receiving the transaction instruction sent by the transaction member participating in the credit transaction item for the transaction invitation, so as to generate the transaction order with the transaction rate, increase the attribute of the transaction order, and enable the transaction member to successfully perform the transaction more actively on the basis of knowing the transaction rate.

On the basis of the credit transaction between the transaction member and the transaction merchant to generate the transaction order, in an optional implementation manner provided by the embodiment of the present specification, after the user is added as a transaction member to the credit transaction item, the item management module 106 is further configured to:

clearing the any transaction member from the credit transaction item.

The posting means that all transaction members who participate in the credit transaction item in one way in the existing transaction which is not successfully fulfilled are posted, specifically, the posting may be posted in a item page of the credit transaction item, and may also be posted in a short message, a rolling window or a pop-up window, and the specific content of the posting may be posting the name of the transaction member who has the transaction list which is not successfully fulfilled, the single number of the transaction list which is not successfully fulfilled, the payment amount of the transaction list which is not successfully fulfilled, and the like, and may also be posting the clearing process or other punishment measures which are made by the transaction member.

The clearing refers to removing the transaction member with the transaction order which is not successfully fulfilled from the credit transaction item, and after the removal, if the transaction member successfully fulfills the transaction no longer enjoys the reward, in the specific implementation, besides clearing the transaction member from the credit item, other punishment measures for the transaction member can be added, such as deduction of credit points, payment of penalty money and the like.

In practical applications, the item management module 106 may monitor the status of the transaction list fulfilled by the transaction members participating in the credit transaction item, or when the transaction list unsuccessfully fulfilled by the transaction member appears, trigger the above-mentioned operation of disclosing the unsuccessfully fulfilled transaction list to all transaction members in the credit transaction item, and clear the transaction member from the credit transaction item.

In the embodiment of the specification, the transaction list which is not successfully fulfilled and exists in the transaction member is disclosed, and the transaction member is cleared from the credit transaction item, so that the transaction member which does not successfully fulfill and exists is processed, supervision and promotion can be formed for other transaction members which do not successfully fulfill and exist, the awareness of the fulfillment transaction of the transaction member is enhanced, and the stability of the credit transaction item is improved.

In practical applications, the item management module 106 may display, in addition to the total amount of awards and the number of members in the completed credit cycle on the item page of the credit transaction item, the total amount of outstanding awards and the number of outstanding members in the outstanding credit cycle on the item page of the credit transaction item, and in an optional implementation manner provided by the embodiment of the present specification, the item management module 106 is further configured to:

acquiring the amount of outstanding awards of the intermediate account corresponding to the outstanding credit period from the settlement module 104;

Similar to the presentation of the total awarded amount and the number of members in the completed credit period on the item page of the credit item, the embodiments of the present specification present the total unfinished awarded amount and the number of unfinished members in the unfinished credit period on the item page, which is not described herein again.

In addition, the total amount of the outstanding rewards and the number of outstanding members can be displayed to the users who do not join the credit transaction item, so that the users are attracted and have the awareness of fulfilling the transaction.

In the embodiment of the present specification, the item management module 106 and the settlement module 104 cooperate to display the amount of outstanding rewards and the number of outstanding members in the outstanding credit period of the credit item, so that the transaction members participating in the credit transaction item can clearly know the amount of outstanding rewards and the number of outstanding members in the outstanding credit period, thereby better encouraging the transaction members to actively fulfill the transaction.

The embodiment of the settlement method in the credit transaction scenario provided by the specification is as follows:

fig. 2 is a flowchart illustrating a settlement method in a credit transaction scenario according to an embodiment of the present disclosure, including steps S202 to S206.

The embodiment of the specification is an illustrative scheme of a settlement method in a credit transaction scene. It should be noted that the executing subject in the embodiment of the present specification is the settlement module in the settlement system embodiment in the credit transaction scenario, and details of a technical scheme of a settlement method in the credit transaction scenario provided in the embodiment of the present specification, which are not described in detail, can be referred to the description of the technical scheme of the settlement system in the credit transaction scenario.

Step S202, collecting effective members which carry out effective credit transaction with the credit merchant in the target credit period under the condition that the settlement deadline of the target credit period of the credit transaction item is reached.

Step S204, splitting the total reward amount of the intermediate account corresponding to the target credit period according to the member number of the effective members.

And step S206, carrying out settlement processing on the split bonus funds according to the account information of the effective members.

acquiring account information of the effective member;

In the embodiment of the present specification, through the settlement module in the settlement system embodiment in the above-mentioned credit transaction scenario, when a transaction slip generated by a credit transaction between a transaction member and a transaction merchant in a credit transaction item is effectively paid, a deduction is made to the transaction merchant according to a payment amount and a transaction rate recorded in the transaction slip, and an award amount obtained by the deduction is accumulated in an intermediate account of the settlement module, so that when a settlement deadline of a target credit period is reached, a total amount of the accrued award is used as an award to an effective member who performs an effective transaction in the target credit period for settlement processing, thereby realizing that a part of the payment amount in the effectively paid transaction slip is used as an award of the credit period to which the transaction slip belongs, the effective member who performs an effective transaction in the credit period is awarded, and the transaction member who participates in the credit transaction item is encouraged to actively and successfully perform a transaction, and increases the awareness of the transaction members actively fulfilling the transaction.

The embodiment of the settlement device in the credit transaction scenario provided by the specification is as follows:

corresponding to the above method embodiment, the present specification further provides an embodiment of a settlement device in a credit transaction scenario, and fig. 3 shows a schematic structural diagram of the settlement device in the credit transaction scenario provided in an embodiment of the present specification. As shown in fig. 3, the apparatus includes:

a collecting module 302 configured to collect valid members of a valid credit transaction with a credit merchant within a target credit period of a credit transaction item if a settlement deadline for the target credit period arrives;

the splitting module 304 is configured to split the total reward amount of the intermediate account corresponding to the target credit period according to the member number of the active member;

and the settlement module 306 is configured to settle the split bonus funds according to the account information of the effective members.

acquiring account information of the effective member;

The above is an exemplary scheme of the settlement device in the context of credit transaction according to this embodiment. It should be noted that the technical solution of the settlement device in the credit transaction scenario is the same as that of the settlement system in the credit transaction scenario, and the details of the technical solution of the settlement device in the credit transaction scenario, which are not described in detail, can be referred to the description of the technical solution of the settlement system in the credit transaction scenario.

The embodiment of the method for rewarding the credit items provided by the specification is as follows:

fig. 4 is a flowchart illustrating a method for rewarding credit items according to an embodiment of the present disclosure, including steps S402 to S408.

Step S402, acquiring the performance behavior data of the project members participating in the credit project aiming at the contract in the target credit period.

The credit project is used for encouraging and supervising successful contract continuous performance between project members participating in the credit project and merchants or other project members based on signed credit contracts, specifically, the credit project takes credit behaviors of users as the basis of admission thresholds of participation in the credit project, the users take the credit projects as the project members of the credit projects after the credit projects are added, systematic long-term observation is carried out on the credit behaviors, under the condition that the credit behaviors of the project members do not perform, not only is clearing performed on the project members, but also the non-performing behaviors of the project members are disclosed in a behavior disclosure mode, so that mutual supervision among the project members is formed, and awarding and encouraging are issued to the project members with continuous credit behaviors among the project members.

The target credit period refers to a credit period awarded for a member of a credit item, and the target credit period is a completed credit period, and an incomplete credit period is a period in which the credit period is not completed.

In practical applications, a natural month is often used as a credit period, and a project reward of a previous credit period is issued for the credit behavior of the project member in the previous credit period after entering the next credit period, for example, the project reward of the previous credit period may be issued on 6 days per month, specifically, the project reward may be money, a purchase ticket, credit points and/or articles, and the like, which is not limited herein.

The contract refers to a bilateral or multilateral online contract which is achieved by a merchant, a user or an organization through the agreement of mutual right, responsibility and interest, the contract is usually established by one party as a contract initiator and the other party as a contract responder, on the basis of establishing the contract, the bilateral and multilateral of the contract can generate the performance behavior data of successful contract fulfillment or unsuccessful contract fulfillment aiming at the contract, specifically, the user can be an item member who joins a credit item or a user who does not join an item, the contract can be a commercial contract, a public interest contract and the like, and the commercial contract comprises: the contract of first share and then pay, the contract of 0 yuan purchase or the contract of appointed consumption amount or times, which is not limited herein.

In specific implementation, the contract is shared and then paid, namely, a merchant delivers commodities to a user, the user can try the commodities in a trial period according to the trial period appointed in the contract, if the trial period is satisfied, the payment of the commodities is paid, and if the trial period is not satisfied, the commodities are returned to the merchant; the 0-element contract can be that the user does not need to spend money directly to buy a certain article, but can buy the article through cashback obtained by buying other articles; the contract for the appointed consumption amount or consumption times can be that the appointed consumption amount consumed in a certain merchant must reach the appointed amount, or that the contract for consumption in a certain merchant exceeds three times in one month.

In practical applications, the contract may be established not only on a credit platform running on which the credit item is carried, but also on other platforms making a cooperative relationship with the credit item, such as establishing a contract on a shopping platform by shopping, establishing a contract on a takeaway platform by taking a takeout, establishing a contract on a trip platform by renting transportation means, and the like, which is not limited herein.

The performance behavior data may be the behavior data of successful or unsuccessful performance of the item member on the contract generated within the target credit period.

Taking a Contract of first share and second pay as an example, specifically, the Contract of first share and second pay is Contract01, Contract01 stipulates that if project member a is satisfied with a commodity within 30 days of trial period, the contracted Contract amount in Contract01 is paid successfully until 5, month and 10 days of payment date, if project member a is not satisfied with the commodity, the commodity is returned before 5, month and 10 days of payment date, and the obtained performance behavior data of project member a is: project member A successfully pays 600 dollars on day 5, 9 as agreed in Contract Contract01, i.e., project member A successfully fulfills Contract Contract 01.

And the performance behavior data of project member B for Contract Contract02 is: project member B did not pay the contracted Contract amount of 50 dollars in Contract value 02 5 months and 15 days before the contracted payment date of Contract02, i.e., project member B did not successfully fulfill Contract 02.

In the practical application, the credit behavior of the project member can be further known through the performance behavior data in the target credit period, and a data basis is provided for the credit project to continuously give out project rewards to the project member for the credit behavior.

Step S404, based on the performance data, determining the total amount of the rewards accumulated in the credit reward pool by the item members in the credit item through the mode of executing the contract, and the member number of the effective item members successfully executing the contract.

The total amount of the awards is the total amount of the awards obtained in an accumulated mode in an ending credit period, the total amount of the awards is obtained in a mode that the project members fulfill the contracts, in practical application, each project member can obtain corresponding contract award lines once successfully fulfilling the contracts in a target credit period, and the accumulated contract award lines in the target credit period are the total amount of the awards.

Specifically, the contract award amount is an amount corresponding to the performance amount of the successfully performed contract, generally, each successfully performed contract corresponds to one contract award amount, and if the contracts can be performed in stages, one successfully performed contract corresponds to a plurality of contract award amounts, which is not limited herein.

Correspondingly, the credit reward pool is used for storing the accumulated contract reward amount and finally storing the total reward amount obtained by accumulating the contract reward amount in the target credit period.

The valid item members refer to item members with successful fulfillment behavior data in the target credit cycle, that is, item members with successful fulfillment contracts in the target credit cycle, in practical applications, many item members participating in credit terms do not issue item rewards for all item members in each target credit cycle, and only issue item rewards for the target credit cycle for valid item members with successful fulfillment behavior data in the target credit cycle.

In an optional implementation manner provided by the embodiment of the present specification, the total amount of the awards in the credit award pool is accumulated according to a performance limit and an award conversion rate of each successfully performed contract in the performance data, where the performance limit and the award conversion rate are calculated to obtain a contract award limit corresponding to each successfully performed contract.

The performing amount may be a contract amount that needs to be paid by the user and is included in the successfully performed contract, or may be a target amount of a target object related to a lease or the like in the successfully performed contract, which is not limited herein.

The reward conversion rate refers to a conversion rate between a performance limit and a contract reward limit, and the reward conversion rate can be preset on a contract template by a contract sending party during contract sending, or can be a set reward conversion rate corresponding to a contract type of the contract, and is not limited in the process.

Taking the example that the item member a successfully fulfills the Contract01, if the Contract amount paid by the item member a successfully fulfilling the Contract contact 01 is 600 yuan, the performance credit limit of the Contract contact 01 is 600, and the reward conversion credit limit set by the sponsor at the time of Contract issuance is 0.3%, the reward conversion rate of the Contract contact 01 is 0.3%, and the Contract reward credit limit corresponding to the Contract contact 01 is 600 × 0.3% — 1.8 yuan.

Assuming that there are Contract contact 05 and Contract contact 06 that are successfully fulfilled in the target credit period in addition to the above Contract contact 01, and the Contract award credit lines of the above two contracts are 2.5 yuan and 6.2 yuan, respectively, the sum of the Contract award credit lines corresponding to Contract contact 01, Contract contact 05 and Contract contact 06 is 1.8+2.5+ 6.2-10.5 yuan as the award total.

In the embodiment of the specification, the contract reward limit corresponding to each successfully-fulfilled contract is respectively calculated according to the performance limit and the reward conversion rate of each successfully-fulfilled contract, and the sum of the contract reward limits is used as the reward total, so that the reward total is increased along with the increase of the contract reward limit obtained by the successfully-fulfilled contract, the contract amounts related to all the contracts successfully fulfilled by effective project members in a target credit period are reflected to a certain extent, and the project members can be effectively encouraged to actively fulfill the contracts.

Optionally, the number of the members of the effective item member is counted by calculating the number of the identifiers of the remaining member identifiers after removing the repeated member identifiers from the member identifiers of the effective item member in each successfully fulfilled contract in the obtained performance behavior data.

The member identifier refers to a code identifier capable of uniquely identifying the member of the project in the contract, in practical application, the contract signed by the contracting party and the contracting party simultaneously has signatures of the contracting party and the contracting party, and the contract also has a unique identifier for identifying the signature, i.e. a member identifier, such as a citizen identity number, or a unique identifier for the member of the project in a contract platform for carrying out contract operation, so that the member identifiers corresponding to different members of the project are different, and the member number of the effective members of the project can be determined according to the identification number of the member identifiers of the effective members of the project.

In particular, in a target credit cycle, one valid item member may successfully fulfill a plurality of contracts, so the number of successfully fulfilled contracts cannot represent the number of members of the valid item member, and since the valid item members may have the same name, the number of remaining member identifiers can reflect the number of members of the valid item member only by obtaining member identifiers in the successfully fulfilled contracts and removing repeated member identifiers in the member identifiers.

Taking the above successfully fulfilled Contract01, Contract05 and Contract06 as examples, the member identifications of valid item members in these contracts are P01, P03 and P01, respectively, that is to say, it can be seen that Contract01 and Contract06 are fulfilled by the same valid item member, after removing the duplicate member identifications in these three member identifications, the remaining member identifications are P01 and P03, and the counted number 2 of the remaining member identifications is taken as the member number of the valid item members, so that this member number is 2.

In the embodiment of the specification, repeated member identifications are removed from the member identifications of the effective item members in the contract successfully performed, the identification number of the remaining member identifications is used as the member number of the effective item members, the accuracy of the member number is ensured, the member number is the number of people who can obtain the issued item reward in the target credit period, and a data basis is provided for the follow-up calculation of the reward limit of each effective item member.

In an optional implementation manner provided by the embodiments of this specification, after the step of determining, based on the performance behavior data, a total amount of rewards that are cumulatively obtained by the item members in the credit item in the credit reward pool by performing the contract and a member number of valid item members that successfully perform the contract is performed, the method further includes:

Specifically, the contract amount related to all contracts successfully fulfilled by the valid item members in the target credit period can be reflected, the total reward amount of the item rewards issued by the valid item members can be reflected, the number of the valid item members successfully fulfilling the contracts in the target credit period can be reflected and displayed on an item page of the credit item, specifically, the item page is displayed on the terminal equipment of the item members, and the terminal equipment can be a mobile phone, a computer and the like, which is not limited herein.

In practical applications, the total amount of awards and the number of members in a plurality of historical credit cycles can be displayed on the item page, or only the total amount of awards and the number of members in the last completed credit cycle of the outstanding credit cycle can be displayed on the item page, for example, when natural month is taken as the credit cycle, the item date of the credit item is 6 month and 15 days, the credit cycle of 6 month is the outstanding credit cycle, the credit cycle of 5 month is the completed credit cycle, the total amount of awards and the number of members in the completed credit cycle are determined, and the total amount of awards and the number of members in the credit cycle of 6 month are not determined before the total amount of awards and the number of members in the credit cycle of 5 month are displayed.

In the embodiment of the description, the determined total amount of the rewards and the number of the members are displayed on the item page of the credit item, so that the performance awareness of the item members can be improved, the performance enthusiasm of the item members can be improved, and more users can be attracted to participate in the credit item.

Step S406, calculating the bonus limit of each effective item member according to the bonus total and the member number.

Calculating the bonus limit of each effective item member according to the determined bonus total and the number of the members in the above steps, specifically, the bonus limit represents the bonus limit that the effective item member can obtain, and the bonus limit obtained by each effective item member may be the same or different, and is not limited herein.

In a specific implementation, in addition to calculating the award amount of each valid item member according to the total award amount and the number of members, the award amount of each valid item member may also be calculated according to the total award amount and the number of contracts successfully fulfilled by each valid item member, for example, the total award amount is calculated according to the number of all contracts successfully fulfilled by the valid item members to obtain an award amount unit, and the product of the award amount unit and the number of contracts successfully fulfilled by each valid item member is used as the award amount of each valid item member, which is not described herein again.

In practical application, the manner of calculating the bonus amount of each effective item member according to the bonus total and the number of the members is various, and optionally, the bonus amount of each effective item member is determined by calculating the ratio of the bonus total to the number of the members.

Taking the above target credit cycle as an example, there are 3 contracts successfully fulfilled in the target credit cycle, which are Contract01, Contract05 and Contract06, respectively, the total reward amount determined for the 3 contracts is 10.5 yuan, and the number of members determined as valid members is 2, so that the reward credit limit of each valid item member is 10.5/2 ═ 5.25 yuan.

In the embodiment of the specification, the ratio of the total reward amount to the number of the members is used as the reward amount, the reward amount of each effective item member is efficiently calculated, and a reward basis is provided for subsequently issuing item rewards for each effective member.

In addition to the above-mentioned ratio of the total amount of rewards to the number of members being used as the reward amount, in another optional implementation manner provided by the embodiment of the present specification, the calculating the reward amount of each effective item member according to the total amount of rewards and the number of members is implemented by specifically adopting the following manner:

In practical application, the number of the contracts is divided according to the number of the contracts, each reward level corresponds to different reward proportions, for example, the reward grade corresponding to the number of the contracts is a first reward grade corresponding to the number of the contracts 1-2, the reward grade corresponding to the number of the contracts 3-5 is a second reward grade, the reward grade corresponding to the number of the contracts more than 6 is a third reward grade, the reward proportion corresponding to the first reward grade is 20%, the reward proportion corresponding to the second reward grade is 35%, and the reward proportion corresponding to the third reward grade is 45%.

In addition, there may be some bonus levels without the number of level members, in which case the bonus total may be divided for the bonus levels according to the ratio between the bonus proportions corresponding to the bonus levels with the number of level members.

Assuming that the total amount of awards in the target credit cycle is 150 yen, the number of members is 5, and the number of contracts successfully fulfilled by the 5 effective item members is 2, 4, 3, 1, 6, in the case of the award levels divided according to the number of contracts, the number of level members at the first award level of the number of contracts 1-2 is 2, the number of level members at the second award level of the number of contracts 3-5 is 2, and the number of level members at the third award level of the number of contracts 6 or more is 1;

based on the reward proportion of the first reward level being 20%, the level reward amount of the first reward level obtained is 150 × 20% ═ 30 yuan, according to the reward proportion of the second reward level being 35%, the level reward amount of the second reward level obtained is 150 × 35% ═ 52.5 yuan, according to the reward proportion of the third reward level being 45%, the level reward amount of the third reward level obtained is 150 × 45% ═ 67.5 yuan;

further, the level bonus limit of 2 effective item members at the first bonus level is calculated to be 30/2 ═ 15 yen based on the level bonus limit of 30 yen at the first bonus level and the number of level members 2, the level bonus limit of 2 effective item members at the first bonus level is calculated to be 52.5/2 ═ 26.25 yen based on the level bonus limit of 52.5 yen at the second bonus level and the number of level members 2, and the level bonus limit of 1 effective item member at the third bonus level is calculated to be 67.5/1 ═ 67.5 yen based on the level bonus limit of 67.5 yen at the third bonus level and the number of level members 1.

In the embodiment of the specification, the reward level of each effective item member is determined according to the contract number of the contract successfully fulfilled by each effective item member in the target credit period, the level member number of each reward level in the member number is determined, further, the level reward limit of each reward level is obtained based on the reward proportion corresponding to each reward level, the reward limit of each effective item member is calculated according to the level reward limit and the level member number, different reward limits are given to the effective item members according to different reward levels, the contract participation and contract fulfillment of more effective item members can be effectively encouraged, and a reward basis is provided for subsequently issuing item rewards for each effective member.

Step S408, issuing item rewards of successful contract fulfillment in the target credit period to each effective item member according to the reward limit.

In specific implementation, the project awards of successful contract fulfillment in the target credit cycle are issued to the effective project members according to the award limit of the effective project members, wherein the project awards refer to the project awards issued by the effective project members with successful contract fulfillment in the target credit cycle.

In practical applications, the types of the issued awards for the projects are various, and in an optional implementation manner provided by the embodiment of the present specification, the issuing of the awards for the projects for successfully fulfilling the contracts in the target credit period to the effective project members according to the award amount includes:

and/or the presence of a gas in the gas,

In particular, since the awards for the items issued to the active item members may be various, when the awards for the items are issued to the active item members, different awards for the items may be issued to the active item members according to the contract types of the contracts successfully fulfilled by the active item members, and the awards for the items may correspond to the award amounts calculated in the above steps, for example, the issuer may have an amount equal to the award amount, a shopping coupon, or a credit having a specific exchange ratio with the award amount, or an item having an equal value exceeding the specific amount of the award amount, and other awards for the items may also have other corresponding manners with the award amounts, which is not limited herein.

Taking the valid item member D as an example, if the contract type of the contract successfully fulfilled by the valid item member D in the target credit period includes a shopping type, the valid item member D may be issued a fund amount, which may be exchanged for cash and corresponds to the award amount thereof, as the item award, and specifically, the fund amount may be equal to the award amount.

Taking the effective item member E as an example, if the contract type of the contract successfully fulfilled by the effective item member E in the target credit period includes a public interest type, the credit points corresponding to the award credit limit of the effective item member E can be issued to the effective item member D as the item award;

taking the valid item member F as an example, if the contract type of the contract successfully fulfilled by the valid item member F in the target credit period includes a lease type, the valid item member D may be issued a gift corresponding to the award amount thereof as an item award.

In addition to the above manners of issuing the item rewards corresponding to the item types, one item type may correspond to a plurality of item rewards, or a plurality of item types may correspond to one item reward, which is not limited herein.

The embodiment of the specification realizes that different project rewards can be issued to the effective project members according to the contract types of the contracts successfully fulfilled by the effective project members, increases the flexibility of issuing the project rewards, can be suitable for more types of contracts, effectively encourages the project members to actively perform and promotes the popularization and the use of the contracts.

In an optional implementation manner provided by the embodiment of this specification, the method for rewarding a credit item further includes:

receiving a purchase request of a user for purchasing a contract commodity;

and adding the user as a project member to the credit project.

The contract commodity refers to a commodity with a contract, namely the contract is attached to the commodity, and a user shows that the user wants to sign the contract attached to the commodity while purchasing the commodity.

The historical fulfillment behavior data may be fulfillment behavior data of a successful fulfillment contract or an unsuccessful fulfillment contract generated by the user for a contract before applying for participating in a credit item, specifically, the historical fulfillment behavior data may be fulfillment behavior data of a period of time before the user applies for participating in the credit item, or may be all fulfillment behavior data of the user before applying for participating in the credit item, which is not limited herein, and in practical applications, the credit behavior of the user before applying for participating in the credit item may be known through the historical fulfillment behavior data of the user, so as to perform behavior evaluation on the user.

Specifically, the behavior evaluation may be to evaluate whether a user has performing behavior data of an unsuccessful contract performing in the historical performing behavior data, and if yes, evaluate that the behavior of the user does not pass; or evaluating whether the amount of the contract which is unsuccessfully fulfilled by the user in the historical fulfillment behavior data exceeds a preset amount threshold, if so, evaluating that the behavior of the user does not pass, or evaluating whether the number of times that the user is unsuccessfully fulfilled in the historical fulfillment behavior data exceeds a preset number threshold, if so, evaluating that the behavior of the user does not pass, and in addition, other behavior evaluation modes are provided, which are not limited.

In practical application, if the evaluation result of the behavior evaluation performed on the user is passed, the user is allowed to purchase the contract commodity and establish a purchase type contract with a merchant providing the contract commodity based on the contract commodity, and the user is taken as a project member to join in a credit project, if the evaluation result of the behavior evaluation performed on the user is failed, the user is refused to purchase the contract commodity, the user and the merchant providing the contract commodity are refused to establish a purchase type contract based on the contract commodity, and the user is refused to join in the credit project.

Besides the user purchases contract commodities to establish a contract to add the credit item, the user can also establish other types of contracts with other users or merchants to add the user to the credit item, and the specific implementation is similar to the embodiment of the description, and details are not repeated here.

In the embodiment of the specification, based on a purchase request of a user for purchasing contract commodities, historical performance behavior data of the user is acquired to perform behavior evaluation on the user, and under the condition that the evaluation result of the behavior evaluation is passed, the contract is established and the user is added into a credit item, so that the contract is attached to the commodities, whether the user has thresholds for establishing the contract and participating in the credit item is evaluated before the contract is established, if the evaluation result is passed, the contract is established, the user is added into the credit item, the credit item is bound with the contract, the participation rate of the user participating in the credit item is improved, the awareness of successful performance of the user is increased, and because the behavior evaluation is performed on the user before the contract is established and the user is added into the credit item, the credit level of an item member participating in the credit item is improved, and the item disputes which may occur are reduced, the ongoing reliability of the credit terms is increased.

In practical applications, in addition to the above adding a credit item to a user by purchasing a contract commodity, the credit item may also be added by a user active application, and in an optional implementation manner provided by an embodiment of the present specification, the method for rewarding and issuing a credit item further includes:

Similar to the manner of adding a credit item through a purchase request for purchasing contract commodities, in the embodiment of the present specification, a user applies for a participation request for participating in a credit item to add a credit item, wherein the user is evaluated for behavior evaluation, and the manner of adding the user to the credit item is similar, so that reference may be made to the specific implementation manner of the above embodiment, and details are not described here.

In practical application, if the evaluation result of the behavior evaluation performed on the user is failed, the user is rejected to join the credit item, however, although the user cannot join the credit item this time, the user may further apply for joining the credit item again later, for example, historical performance behavior data obtained by performing the behavior evaluation on the user is data of the past 3 months, the behavior evaluation performed on the historical performance behavior data of the user in the 3 months is failed, the user may maintain the performance behavior data of the user at a later stage, that is, actively and successfully fulfill the contract, and after several months, when the user applies for joining the credit item again, the evaluation result of the behavior evaluation performed on the user is passed, and the user may be joined the credit item.

In the embodiment of the description, based on a participation request of a user for participating in a credit project, behavior evaluation is performed on the user by acquiring historical performance behavior data of the user, and the user is added into the credit project under the condition that an evaluation result of the behavior evaluation is passed, so that the admission threshold of the credit project is set, the credit level of project members participating in the credit project is improved, disputes possibly occurring after the credit project is added are reduced, and the reliability of continuous proceeding of the credit project is improved.

On the basis that the user is a member of a project and joins a credit project, the user and other members of the project that have joined the credit project may continuously establish a new contract during participation in the credit project, and in an optional implementation manner provided by an embodiment of this specification, after the step of joining the user as a member of a project to the credit project is executed, the method further includes:

In practical application, whether the item member participating in the credit item in the target credit period or before the target credit period or the item member newly participating in the credit item at a later stage can establish a contract with the offeror by responding to an offer request sent by the offeror during participation in the credit item, and have the obligation of successfully fulfilling the contract after establishing the contract.

Specifically, the offer request may be initiated by a merchant, a user, or an organization as an offerer, where the offer request carries specific offer information, and the offer information may include terms information that is selected by the offerer according to the needs of the actual service and is supplemented on the basis of a contract template, and a reward conversion rate set on the basis of the contract template, where the reward conversion rate is the reward conversion rate mentioned in step S104 above, and is used to convert the performance quota into a contract reward quota through the reward conversion rate after a project member successfully fulfills a contract;

after the reward conversion rate is set, an offer request may be issued according to the contract template and the reward conversion rate, and the offer request may include offer information including: inviting to try a certain product, wherein the price of the product is 500 yuan, the trial period is 15 days, paying 500 yuan to buy the product if the trial is satisfied, returning the product if the trial is not satisfied, and the reward conversion rate of successful contract fulfillment is 0.5%.

In practical application, the issued offer request may be directly issued to a specific project member, or may be issued on a commodity for the project member to browse when purchasing the commodity, or may be issued on an offer square for all project members and/or users who do not join in a credit project to browse, without limitation, and in case that the user is interested or has a demand, the offer request may be answered, and in case that an offer instruction issued by an offer responding party with respect to the offer request is received, a contract that both the offering party and the offering party agree with a consensus is established according to the offer information.

In the embodiment of the specification, under the condition that an offer instruction sent by a project member participating in a credit project aiming at an offer request is received, a contract is generated according to the offer information carried by the offer request and the reward conversion rate, the contract with the reward conversion rate is generated, the attribute of the contract is increased, the project member can successfully perform the contract more actively on the basis of knowing the reward conversion rate, and a contract basis and a reward limit calculation basis are provided for the reward of a credit project issuing project.

In practical applications, on the basis of a contract established between a project member and a contracting party, the project member has an obligation to successfully fulfill the contract, and if the contract is not successfully fulfilled by the project member, a performance behavior that the contract is not successfully fulfilled by the project member needs to be processed, in an optional implementation manner provided by an embodiment of the present specification, the reward issuing method for a credit project further includes:

clearing the any item member from the credit item.

The publicity means to publicize the existing performance behavior data of the unsuccessfully executed contract to all project members participating in the credit project, and if the publicity data is too much, a part of the project members can be selected in a targeted manner for publicity, which is not described herein any more, specifically, the publicity can be publicized in a project page of the credit project, and also can be publicized in a short message, a rolling window or a pop-up window, and the specific content of the publicity can be publicized by showing the name of the project member having the performance behavior data of the unsuccessfully executed contract, the unsuccessfully executed contract number, the unsuccessfully executed quota, and the like, and can also be publicized by showing the clearing process or other punishment measures made by the project member.

The clearing refers to removing the item member with the performance behavior data of the unsuccessful contract fulfillment from the credit item, and after the removal, if the successful contract fulfillment of the item member no longer has the item reward, when the implementation is implemented, in addition to clearing the item member from the credit item, other penalty measures for the item member may be added, such as deducting credit points, paying penalties, and the like.

In practical application, the performance data of the project members participating in the credit project is monitored, or when the performance data of the contract unsuccessfully fulfilled by the project members appears, the performance data of the contract unsuccessfully fulfilled is triggered to show all the project members in the credit project, and the project members are cleared from the credit project.

In the embodiment of the specification, the fulfillment behavior data of the unsuccessfully fulfilled contract existing in the project member is disclosed, and the project member is cleared from the credit project, so that the project member of the fulfillment behavior data of the unsuccessfully fulfilled contract existing is processed, supervision can be formed on other project members of the fulfillment behavior data of the unsuccessfully fulfilled contract not existing yet, the fulfillment awareness of the project members is enhanced, and the stability of the credit project is improved.

In addition to the step S404, displaying the total amount of awards in the completed credit cycle, that is, the total amount of awards in the target credit cycle and the number of members on the item page of the credit item, and displaying the total amount of outstanding awards in the outstanding credit cycle and the number of outstanding members on the item page of the credit item, in an optional implementation manner provided by the embodiment of the present specification, the method for awarding a credit for a credit item further includes:

Similar to the step S404 of displaying the total awarded amount and the number of members in the completed credit period on the item page of the credit item, the embodiment of the present specification displays the total unfinished awarded amount and the number of unfinished members in the unfinished credit period on the item page, which is not described herein again.

In addition, the total amount of the incomplete rewards and the number of the incomplete members can be displayed to the users who do not join the credit item, so that the attraction is formed for the users, and the users have the realization awareness.

In practical applications, the amount of outstanding awards and the number of outstanding persons may be determined according to a time period, and these data are displayed on the project page, and the time period may be 1 hour, 15 minutes or 1 day, which is not limited herein.

By displaying the total outstanding awards and the number of outstanding members in the outstanding credit period in the credit item, the embodiment of the specification can enable the item members participating in the credit item to clearly know the total outstanding awards and the number of outstanding members in the outstanding credit period, and better encourage the item members to perform actively.

The method for rewarding and issuing credit items provided in the present specification is further described below with reference to fig. 5, taking the application of the method for rewarding and issuing credit items in a commercial contract as an example. Fig. 5 is a flowchart illustrating a processing flow of a method for awarding a credit term applied to a business contract according to an embodiment of the present disclosure, where specific steps include step S502 to step S516.

Step S502, acquiring the performance behavior data of the project members participating in the credit project for the business contract in the target credit period.

Step S504, respectively calculating contract reward quota corresponding to each successfully fulfilled contract according to the performance quota and reward conversion rate of each successfully fulfilled contract in the performance behavior data.

Step S506, the sum of the contract reward amount is used as the total reward amount.

Step S508, obtaining member identifiers of valid item members in each successfully fulfilled contract in the performance behavior data.

Step S510, counting the number of identifiers of the member identifiers remaining after removing the repeated member identifiers in the member identifiers, and taking the number of identifiers as the number of members of the valid item members.

Step S512, calculating the ratio of the total amount of the reward to the number of the members, and taking the ratio as the reward limit.

Step S514, if the contract type of the contract successfully fulfilled by any effective item member in the effective item members in the target credit cycle includes the shopping type, the item reward issued to any effective item member includes the fund amount and/or the shopping coupon corresponding to the reward amount.

Step S516, the total amount of the rewards and the number of the members are displayed on a project page of the credit project.

In summary, one embodiment of the present disclosure achieves encouraging project members participating in a credit project to actively fulfill a contract successfully and increasing awareness of active performance of the project members by determining a total amount of rewards accrued by the project members participating in a credit project in a target credit cycle for successful performance of the contract and a number of members of active project members who successfully fulfill the contract, calculating an award amount for each active project member based on the total amount of rewards and the number of members, awarding project rewards to each active project member for successful performance of the contract in the target credit cycle in accordance with the award amount, and awarding project rewards to the project members who successfully fulfill the contract.

The embodiment of the reward issuing device for credit items provided by the specification is as follows:

corresponding to the above-mentioned embodiment of the method for rewarding and issuing the credit items, the present specification further provides an embodiment of a device for rewarding and issuing the credit items, and fig. 6 shows a schematic structural diagram of a device for rewarding and issuing the credit items according to an embodiment of the present specification. As shown in fig. 6, the apparatus includes:

an obtaining module 602 configured to obtain performance behavior data of a project member participating in a credit project for a contract within a target credit period;

a determining module 604 configured to determine, based on the performance data, a total amount of rewards accrued by the item members in the credit item by way of fulfilling the contract in a credit reward pool, and a number of members of valid item members who successfully fulfilled the contract;

a calculating module 606 configured to calculate the bonus limit of each effective project member according to the bonus total and the member number;

an issuing module 608 configured to issue to each valid item member, in accordance with the prize credit line, an item prize for successfully fulfilling the contract within the target credit period.

Optionally, the reward distribution device for the credit item further includes:

a first presentation module configured to present the award total and the member number on a project page of the credit project.

Optionally, the calculating module 606 includes:

a contract number acquisition submodule configured to acquire a contract number of a contract successfully fulfilled by the respective valid item member within the target credit period;

a level member number determining submodule configured to determine, according to the contract number, an incentive level at which each of the valid item members is located, and determine a level member number at each of the incentive levels among the member numbers;

the obtaining level bonus amount submodule is configured to obtain the level bonus amount of each bonus level based on the bonus proportion corresponding to each bonus level;

and the module for calculating the bonus amount is configured to calculate the bonus amount according to the level bonus amount and the number of the level members.

Optionally, the issuing module 608 is further configured to:

and/or the presence of a gas in the gas,

a purchase request receiving module configured to receive a purchase request of a user to purchase a contract commodity;

a first obtaining history data module configured to obtain history performance behavior data of the user for a contract based on the purchase request;

a first behavior assessment module configured to perform a behavior assessment on the user according to the historical performance behavior data;

a first contract establishing module configured to establish a contract of a purchase type with a merchant that provides the contract commodity based on the purchase request in a case where an evaluation result of the behavior evaluation is passed;

a first join item module configured to join the user as a member of an item to the credit item.

a participation request receiving module configured to receive a participation request of a user for applying to participate in the credit project;

a second obtaining history data module configured to obtain history performance behavior data of the user for the contract based on the participation request;

a second behavior assessment module configured to perform behavior assessment on the user according to the historical performance behavior data;

a second join item module configured to join the user as a item member to the credit item in a case that the evaluation result of the behavior evaluation is passed.

a receiving instruction module configured to receive an offer instruction issued by any one of the project members participating in the credit project for an offer request issued according to a contract template and a reward conversion rate set on the contract template;

and the contract establishing module is configured to establish a contract according to the offer information carried by the offer request and the offer order.

an exposure module configured to expose the performance behavior data of the unsuccessful fulfillment contract to any of the item members participating in the credit item, in the event that the performance behavior data of the unsuccessful fulfillment contract is detected to exist for the item member;

a clearing module configured to clear the any item member from the credit item.

Optionally, the method for rewarding the credit item further includes:

an acquisition data module configured to acquire outstanding period performance behavior data for a contract of the project members participating in the credit project in an outstanding credit period;

a determination module configured to determine, based on the outstanding period performance data, a total outstanding awards accrued by the credit items in the item award pool by way of item member performance of a contract during the outstanding credit period, and a number of outstanding members of outstanding valid item members who have successfully performed the contract during the outstanding credit period;

a second presentation module configured to present the outstanding rewards total and the outstanding member number to the item members participating in the credit item on an item page of the credit item.

The above is an exemplary scheme of the reward issuance apparatus for credit items according to this embodiment. It should be noted that the technical scheme of the credit item reward dispensing device and the technical scheme of the credit item reward dispensing method belong to the same concept, and details that are not described in detail in the technical scheme of the credit item reward dispensing device can be referred to the description of the technical scheme of the credit item reward dispensing method.

The present specification provides an embodiment of a computing device as follows:

FIG. 7 illustrates a block diagram of a computing device 700 provided in accordance with one embodiment of the present description. The components of the computing device 700 include, but are not limited to, memory 710 and a processor 720. Processor 720 is coupled to memory 710 via bus 730, and database 750 is used to store data.

Computing device 700 also includes access device 740, access device 740 enabling computing device 700 to communicate via one or more networks 760. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 740 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 700, as well as other components not shown in FIG. 7, 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. 7 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 700 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 700 may also be a mobile or stationary server.

The present specification provides a computing device comprising a memory 710, a processor 720, and computer instructions stored on the memory and executable on the processor, the processor 720 for executing the computer executable instructions of:

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the settlement method in the credit transaction scenario belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the settlement method in the credit transaction scenario.

Another computing device embodiment provided herein is as follows:

FIG. 8 illustrates a block diagram of another computing device 800 provided in accordance with one embodiment of the present description. The components of the computing device 800 include, but are not limited to, memory 810 and a processor 820. The processor 820 is coupled to the memory 810 via a bus 830, and the database 850 is used to store data.

Computing device 800 also includes access device 840, access device 840 enabling computing device 800 to communicate via one or more networks 860. 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 840 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 800, as well as other components not shown in FIG. 8, 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. 8 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 800 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 800 may also be a mobile or stationary server.

This specification provides another computing device comprising a memory 810, a processor 820, and computer instructions stored on the memory and executable on the processor, the processor 820 being configured to execute the following computer-executable instructions:

The above is an illustrative scheme of another computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the above-mentioned method for rewarding and issuing credit items belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the above-mentioned method for rewarding and issuing credit items.

This specification provides one example of a computer-readable storage medium, comprising:

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

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium is the same as the technical solution of the settlement method in the credit transaction scenario, and the details of the technical solution of the storage medium, which are not described in detail, can be referred to the description of the technical solution of the settlement method in the credit transaction scenario.

Another example computer-readable storage medium provided in this specification is as follows:

this specification provides another computer-readable storage medium storing computer instructions that, when executed by a processor, are to:

The above is an illustrative scheme of another 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 method for rewarding and issuing credit items, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the above-mentioned method for rewarding and issuing credit items.

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 foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

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 specification disclosed above are intended only to aid in the description of the specification. 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 embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A settlement system in a credit transaction scenario, comprising:

2. The settlement system in the context of credit transaction according to claim 1, wherein the total amount of the award is accumulated according to an amount of payment recorded in the transaction ticket that is effectively paid out within the target credit period and an amount of award obtained at the transaction rate;

3. The settlement system under a credit transaction scenario of claim 1, the item management module further configured to:

4. The settlement system under the scenario of credit transaction according to claim 1, wherein the settlement processing of the split award fund according to the account information of the active member comprises:

acquiring account information of the effective member;

5. The settlement system under a credit transaction scenario of claim 1, the item management module further configured to:

6. A settlement system in the context of a credit transaction as claimed in claim 1, wherein said transaction order is generated by:

7. The settlement system under a credit transaction scenario of claim 6, the item management module further configured to:

clearing the any transaction member from the credit transaction item.

8. The settlement system under a credit transaction scenario of claim 7, the item management module further configured to:

9. A settlement method in a credit transaction scenario, comprising:

10. A settlement method under the context of a credit transaction according to claim 9, wherein the total amount of awards for said intermediate account is determined by:

11. The settlement method under the credit transaction scenario according to claim 9, wherein the number of the valid members is counted by calculating the number of identifiers of the remaining member identifiers after removing the repeated member identifiers from the member identifiers of the transaction members corresponding to the transaction orders that are effectively paid in the target credit period;

12. The settlement method under the scenario of credit transaction according to claim 9, wherein the settlement processing of the split award fund according to the account information of the active member comprises:

acquiring account information of the effective member;

13. A settlement apparatus in a credit transaction scenario, comprising:

14. A method of rewarding credit items, comprising:

15. The method of claim 14, wherein the total amount of rewards in the credit reward pool is accumulated according to a performance amount and a reward conversion rate of each successfully fulfilled contract in the performance data, and the calculated contract reward amount corresponding to each successfully fulfilled contract;

16. The method of claim 14, wherein the step of determining the total amount of rewards accumulated in the credit reward pool by the members of the item through the fulfillment contract and the number of members of the valid members of the item who successfully fulfilled the contract is performed based on the performance data further comprises:

17. The method of claim 14, wherein calculating the reward amount for each member of the available credit based on the total amount of rewards and the number of members comprises:

18. The method of claim 14, wherein the step of providing to each member of the available items a reward for successful contract performance in the target credit period in accordance with the reward amount comprises:

and/or the presence of a gas in the gas,

19. A method of rewarding credit terms of claim 14, further comprising:

receiving a purchase request of a user for purchasing a contract commodity;

and adding the user as a project member to the credit project.

20. A method of rewarding credit terms of claim 14, further comprising:

21. A method of rewarding the credit of claim 19 or claim 20, wherein the step of joining the user as a member of the credit is performed further comprising:

22. A method of rewarding credit terms of claim 21, further comprising:

clearing the any item member from the credit item.

23. A method of rewarding credit terms of claim 22, further comprising:

24. A reward dispensing apparatus for credit items, comprising:

25. A computing device, comprising:

a memory and a processor;

26. A computing device, comprising:

a memory and a processor;

27. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the settlement method in the context of a credit transaction according to any of claims 9 to 12.

28. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of a method of rewarding the distribution of credit as claimed in any one of claims 14 to 23.