CN111784476A

CN111784476A - Contract processing method and device

Info

Publication number: CN111784476A
Application number: CN202010641322.XA
Authority: CN
Inventors: 马琰; 沈尤; 李晓雨; 张媛; 林笑天; 李晓虹; 李亚平
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-07-06
Filing date: 2020-07-06
Publication date: 2020-10-16
Anticipated expiration: 2040-07-06
Also published as: CN111784476B

Abstract

An embodiment of the specification provides a contract processing method and a contract processing device, wherein the contract processing method comprises the following steps: acquiring an access request submitted by a user aiming at a target application; determining and displaying an associated user having an association relation with the user so as to respond to the access request; under the condition that an invitation instruction submitted by a target associated user selected from the associated users is acquired, based on a contract element of the target application, the user is taken as a master user, and the target associated user is taken as a slave user to create an application contract; and according to the contract interest of the application contract, carrying out interest return pretreatment on the credit account of the master user, and carrying out interest issuing treatment on the master user and the slave users.

Description

Contract processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing contracts.

Background

Along with the continuous development of internet technology, the attention degree of users to credit is continuously improved, the establishment and the improvement of a credit system are continuously carried out, a credit platform for providing various credit services for the users is born, and merchants in the credit platform provide various credit-derived services based on credit for the users. The merchant can provide services for different users by signing contracts and can attract the users to use the services by giving the users certain use rights, but in practice, the situation that the users cannot continue the contracts due to special reasons often exists.

Disclosure of Invention

One or more embodiments of the present specification provide a contract processing method. The contract processing method comprises the following steps: and acquiring an access request submitted by a user aiming at the target application. And determining and displaying the associated user having the association relation with the user so as to respond to the access request. And under the condition that an invitation instruction submitted by a target associated user selected from the associated users is acquired, based on the contract element of the target application, the user is taken as a master user, and the target associated user is taken as a slave user to create an application contract. And according to the contract interest of the application contract, carrying out interest return pretreatment on the credit account of the master user, and carrying out interest issuing treatment on the master user and the slave users.

One or more embodiments of the present specification provide a contract processing apparatus including: and the access request acquisition module is configured to acquire an access request submitted by a user aiming at the target application. And the associated user determining module is configured to determine and display the associated user having the association relation with the user so as to respond to the access request. And the application contract creating module is configured to create an application contract by taking the user as a master user and the target associated user as a slave user based on the contract elements of the target application under the condition that an invitation instruction submitted by the target associated user selected from the associated users is acquired. And the contract interest processing module is configured to perform interest return preprocessing on the credit account of the master user according to the contract interest of the application contract, and perform interest issuing processing on the master user and the slave users.

One or more embodiments of the present specification provide a contract processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring an access request submitted by a user aiming at the target application. And determining and displaying the associated user having the association relation with the user so as to respond to the access request. And under the condition that an invitation instruction submitted by a target associated user selected from the associated users is acquired, based on the contract element of the target application, the user is taken as a master user, and the target associated user is taken as a slave user to create an application contract. And according to the contract interest of the application contract, carrying out interest return pretreatment on the credit account of the master user, and carrying out interest issuing treatment on the master user and the slave users.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring an access request submitted by a user aiming at the target application. And determining and displaying the associated user having the association relation with the user so as to respond to the access request. And under the condition that an invitation instruction submitted by a target associated user selected from the associated users is acquired, based on the contract element of the target application, the user is taken as a master user, and the target associated user is taken as a slave user to create an application contract. And according to the contract interest of the application contract, carrying out interest return pretreatment on the credit account of the master user, and carrying out interest issuing treatment on the master user and the slave users.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and that other drawings can be obtained by those skilled in the art without inventive exercise.

FIG. 1 is a process flow diagram of a contract processing method provided by one or more embodiments of the present specification;

FIG. 2 is a flow diagram of a performance process for an application contract, provided by one or more embodiments of the present disclosure;

FIG. 3 is a flow diagram of a process for implementing a contract for an application according to one or more embodiments of the present disclosure;

FIG. 4 is a flowchart of an application access process for a target application according to one or more embodiments of the present disclosure;

fig. 5 is a processing flow diagram of a first contract processing method applied to a travel scenario according to one or more embodiments of the present specification;

fig. 6 is a processing flow diagram of a second contract processing method applied to a travel scenario according to one or more embodiments of the present specification;

FIG. 7 is a schematic diagram of a contract processing apparatus according to one or more embodiments of the present disclosure;

fig. 8 is a schematic structural diagram of a contract processing device according to one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a contract processing method provided in this specification:

referring to fig. 1, the contract processing method provided by the present embodiment includes steps S102 to S108.

Step S102, obtaining an access request submitted by a user aiming at a target application.

A contract, which refers to a consensus that two or more parties achieve a certain interaction based on certain constraints, wherein the consensus comprises behaviors that the parties need to perform, default obligations that the default parties need to undertake, and/or interests or rewards that the performing parties can obtain; such as a credit consumption contract that a user and a merchant agree under the constraint of credit to a certain service provided by the merchant, wherein the user and the merchant are agreed to fulfill a transaction according to the agreement, the user violates the requirement to refund the already-enjoyed rights, and the successfully-underwritten user can normally enjoy the rights.

In practical application, in the process that a user performs service consumption on a credit consumption contract which is reached by a merchant, the number of times of performing the contract is set to be the central importance, and if the number of times of performing the service consumption by the user is appointed to be smaller in the credit consumption contract, the business consumption is not facilitated from the perspective of the merchant; however, if the number of times of service consumption by the appointed user in the credit consumption contract is large, the requirement for performing the contract of the user is high from the perspective of the user, which is embodied as long duration of performing the contract, large number of times of performing the contract, poor user experience, and is not favorable for promoting business of the merchant.

The contract processing method provided by this embodiment starts from the associated user having an association relationship with the user, introduces the associated user having an association relationship with the user into the contract system, and implements contract signing and performing by the user and the associated user in a user cluster manner, for example, the user may select a family user establishing a family relationship in the payment platform to sign a credit consumption contract together and participate in a service provided by an application together, thus, the application mode of 'one person signs a contract and all families enjoy the consumption rights' is realized, and from the perspective of users, the interaction frequency between the users and the associated users can be improved, meanwhile, the user and the associated user can enjoy the rights and interests brought by the participation of the target application, and from the perspective of an application provider, the user conversion of the target application is effectively improved in a mode that the user invites the associated user to participate in the target application; in addition, the user and the associated user sign and fulfill the application contract in a user cluster mode, the success rate of the user in performing contract can be effectively improved, the user participation experience under a credit contract system is improved, and meanwhile, the method is beneficial to popularization of application and popularization and perfection of the credit contract system.

The associated user refers to another user who establishes an identity association relationship with the user through some way, for example, the user a is a registered user of a payment platform or a payment application, the payment platform or the payment application provides a function of establishing a family relationship between users, and the user B (family member B), the user C (family member C), and the user D (family member D) that establish the family relationship with the user a in the payment platform or the payment application are associated users of the user a. In addition, the associated user may also be another user who establishes an application association relationship with the user, such as a payment platform or a payment application open ticket-buying proxy service, and in the process that the user a purchases tickets for the user E and the user F through the ticket-buying proxy service, the user E and the user F are application associated users of the user a. Or, the associated user can also be composed of an identity associated user having an identity association relationship with the user and an application associated user having an application association relationship with the user.

The target application in this embodiment refers to a program or a functional package for providing corresponding services or services to a user and an associated user, for example, a small program for providing a travel public travel service to the user in a payment platform, or a sub-application for providing a travel service to the user in a payment application, or an independent application program for providing a bus travel service, a subway travel service, and other public transportation travel services to the user.

In an optional implementation manner provided by this embodiment, the access request refers to an access request submitted by a user through triggering an application control of the target application; the application control is configured on a user association page establishing an association relationship with a user in an application platform to which the target application belongs.

For example, the target application is a travel application providing public transportation travel service in a payment platform, and a user wants to invite family members to participate in the public transportation travel service provided by the travel application in the process of accessing the payment platform, and can trigger and submit an access request for the travel application by clicking a button of the travel application set on a home page in the payment platform. In addition, the user may also trigger and access the travel application through other portals of the travel application set in the payment platform, which is not limited herein.

The application contract described in this embodiment refers to a credit consumption contract that the user and the associated user sign with the provider of the target application, and specifically refers to a contract that is signed with the provider of the target application and executes a specified consumption behavior within a specified period with the credit of the user and the associated user as a guarantee.

Specifically, the primary contract account of the application contract is a credit account of the user, and optionally, the application contract includes a performance term, performance conditions and performance records; if the fulfillment condition is met within the fulfillment time limit, unfreezing the sub-limit frozen in the credit account of the main user; if the performance condition is not satisfied within the performance period, the sub-amount is partially or completely unfrozen according to the used equity quantification value determined by the performance record.

For example, user a and its associated users (family member B, family member C, and family member D) and a payment platform providing a travel application make a credit travel contract for a public transportation travel service using the travel application, the credit travel contract defines a performance term of 30 days, and the performance conditions are: the total times that the user and the related user need to take the bus taking code and the subway taking code provided by the payment platform within the fulfillment period of 30 days are at least 30 times;

after a user A and a family member B thereof, a family member C and a family member D sign a credit travel contract, the user A and the family member B, the family member C and the family member D discount 7 folds of bus riding expenses generated within 60 times (including 60 times) of bus riding within 30 days, and discount 8 folds of the bus riding expenses generated within 60 times (including 60 times) of bus riding within 30 days of the user A and the family member B, the family member C and the family member D; meanwhile, the credit account of the user A is used as a main signing account, and 120 yuan is frozen for the credit line Q in the credit account of the user A;

subsequently, if the total times of taking the user A and the family member B, the family member C and the family member D by using the bus taking code and the subway taking code within 30 days exceed 30 times (including 30 times), unfreezing the unfrozen sub-limit Q1 of the user A;

if the total number of times that the user a and the family member B, the family member C, and the family member D take the bus riding code and the subway riding code within 30 days does not exceed 30 times (assuming that 25 times, 10 times of bus riding, and 15 times of subway riding), the preferential amount of total enjoyment of 10 times of bus riding and 15 times of subway riding needs to be returned.

And step S104, determining and displaying the associated user having the association relation with the user so as to respond to the access request.

As described above, the associated user refers to another user who establishes an identity association relationship with the user through some way, for example, the user a is a registered user of a payment platform or a payment application, the payment platform or the payment application provides a function of establishing a family relationship between users, and the family member B, the family member C, and the family member D that establish the family relationship with the user a in the payment platform or the payment application are associated users of the user a. In addition, the associated user may also be another user who establishes an application association relationship with the user, such as a payment platform or a payment application open ticket-buying proxy service, and in the process that the user a purchases tickets for the user E and the user F through the ticket-buying proxy service, the user E and the user F are application associated users of the user a. Or, the associated user can also be composed of an identity associated user having an identity association relationship with the user and an application associated user having an application association relationship with the user.

In practical applications, although there may be a plurality of associated users establishing an association relationship with a user, there may be a case that an application admission condition of the target application is not satisfied in the associated users, for example, the associated users are users with a low credit rating, and even users that are considered as non-creditable by the payment platform and recorded in a non-creditable list, in order to avoid such a case, user participation experience is improved, and user rights and interests are guaranteed, in an optional implementation manner provided in this embodiment, admission judgment is performed on the associated users in a process of determining and displaying the associated users having an association relationship with the user, which is specifically implemented as follows:

acquiring a platform user establishing an association relation between the application platform and the user as the associated user;

judging whether the associated user meets the application admission condition of the target application;

if so, generating an invitation page of the target application, and displaying the user identification of the associated user based on the invitation page;

if not, generating the invitation page, and displaying the user identification of the associated user and the reminding information that the associated user does not meet the application admission condition on the basis of the invitation page.

According to the above example, the associated users establishing family relations with the user A in the payment platform comprise the user A and the family member B, the family member C and the family member D thereof, whether the family member B, the family member C and the family member D meet the access conditions of the travel application is judged respectively, and if the judgment result shows that the family member B and the family member C meet the access conditions, the head portraits of the family member B and the family member C are displayed on the invitation page of the travel application; if the family member D does not meet the access condition, the invitation page of the travel application displays the head portrait of the family member D, and simultaneously displays the reminding information of 'temporarily unable to join' above the head portrait of the family member D.

Step S106, under the condition that an offer instruction submitted by a target associated user selected from the associated users is obtained, based on the contract element of the target application, an application contract is created by taking the user as a master user and the target associated user as a slave user.

Based on the determination and presentation of the associated users having an association relationship with the user, the user selects one or more associated users from the presented associated users as target associated users for inviting to jointly participate in the target application, thereby forming a user cluster with the target associated users, jointly enjoying a contract interest provided after participating in the target application in a manner of signing an application contract, and jointly fulfilling the signed application contract.

The contract element of the target application in this embodiment refers to a contract template for signing an application contract of the target application, and the contract template is specifically composed of application information required for signing the application contract and business-related data of an application business. Specifically, the contract template may be provided by an application platform to which the target application belongs, or may be created in advance by an application provider of the target application.

In specific implementation, after a user selects one or more associated users from the associated users as target associated users who invite to participate in the target application together, an invitation instruction is submitted by triggering an application button of an invitation page of the target application, and when the invitation instruction submitted by the user is obtained, the target associated user selected by the user is determined based on the invitation instruction, and then a pre-stored contract template of the target application is read, so that an application contract is created for a slave user by taking the user as a master user and the target associated user.

The application contract after the creation is completed comprises a performance term, performance conditions and a performance record; if the fulfillment condition is met within the fulfillment time limit, unfreezing the sub-limit frozen in the credit account of the main user; if the performance condition is not satisfied within the performance period, the sub-amount is partially or completely unfrozen according to the used equity quantification value determined by the performance record.

And step S108, carrying out equity return pretreatment on the credit account of the master user according to the agreement equity of the application contract, and carrying out equity issuing treatment on the master user and the slave users.

As described above, the primary contract signing account of the application contract is the credit account of the primary user, and on this basis, the credit account of the primary user is subjected to the benefit return preprocessing according to the contract benefit of the application contract created as described above, and the rights and interests of the primary user and the secondary user are issued.

It should be noted that, in this embodiment, before the performing process of the master user and the slave user, the contract right of the target application is issued to the master user and the slave user, where the right return preprocessing is performed on the credit account of the master user, which is equivalent to "mortgage" of the contract right issued to the master user and the slave user, and if the master user and the slave user successfully perform, the "mortgage" obtained through the right return preprocessing is released; if the primary user and the secondary user do not successfully perform, the mortgage is released after the already enjoyed contract interest is returned.

In an optional implementation manner provided by this embodiment, the credit account is a primary signed account of the application contract, and the performing the equity return preprocessing on the credit account of the primary user includes:

determining a right quantized value corresponding to the contract right, and freezing the credit line of the credit account of the master user; the sub-limit value of the sub-limit of which the credit limit is frozen is determined according to the interest quantification value;

correspondingly, the performing of the rights and interests issue processing on the master user and the slave users includes:

and sending the right certificate of the application service provided by the target application to the master user and the slave user.

Still taking the travel application as an example, the user a and its family member B, family member C and family member D make a credit travel contract for the public transportation travel service of the travel application, and the contract rights and interests of the credit travel contract are as follows: discount of 7 folds is given to the bus taking expense generated within 60 times (including 60 times) of bus taking of the user A and the family member B, the family member C and the family member D in 30 days, and discount of 8 folds is given to the subway taking expense generated within 60 times (including 60 times) of subway taking of the user A and the family member B, the family member C and the family member D in 30 days;

the right certificate of the contract right of the credit trip contract is a 7-fold coupon for bus taking and a 8-fold coupon for subway taking; the coupon of 7-fold for the bus can be used for 60 times, and similarly, the coupon of 8-fold for the subway can also be used for 60 times;

after a credit travel contract is signed, taking a credit account of a user A as a main signed account, determining that a sub-limit Q1 for freezing a credit line Q in the credit account of the user A is 120(60+60) yuan according to a right quantification value corresponding to a contract right of the credit travel contract within 60 times (including 60 times) of public transport and within 60 times (including 60 times) of subway seats, and freezing 120 yuan for the credit line Q in the credit account of the user A;

and, the 7-fold coupon for the bus ride, which can be used 60 times, and the 8-fold coupon for the subway ride, which can be used 60 times, are issued to the user a and its family member B, family member C, and family member D.

Subsequently, if the total times of taking the bus and the subway by the user A and the family member B, the family member C and the family member D within 30 days are more than or equal to 30 times and the preferential settlement of the 7-fold coupon of the bus and the 8-fold coupon of the subway is triggered, unfreezing the sub-limit Q1 unfrozen by the user A;

if the total times of taking bus and subway rides by the user A and the family member B, the family member C and the family member D within 30 days are less than 30 times (25 times, 10 times of bus and 15 times of subway rides are assumed), the used preferential amount A1 (3 yuan is assumed) of taking 7-fold coupons triggered by 10 times of bus rides for preferential settlement and the used preferential amount A2 (9 yuan is assumed) of taking 8-fold coupons for preferential settlement by 15 times of subway rides are calculated, the 3-yuan used preferential amount A1 and the 9-yuan used preferential amount A2 are deducted from the 120-yuan Q1 defrosted by the user A, and then the residual defrosted 108-yuan (120 yuan-3-9 yuan) is defrosted.

In practical applications, there are multiple reasons for the performance failure of the master user and the slave user, but from the perspective of the master user and the slave user, it is difficult to clearly know the true reason for the performance failure, so as to make the master user and the slave user more comprehensively perceive the application contract and promote the improvement of the performance rate when the user subsequently participates in the application contract, in an optional implementation manner provided in this implementation, after performing the benefit returning preprocessing on the credit account of the master user and performing the benefit issuing processing on the master user and the slave user, performing the performance processing on the application contract, see fig. 2, the performance processing is specifically implemented as follows:

step S202, reading the performance items recorded in the performance record of the application contract when the performance deadline of the application contract is expired;

step S204, judging whether the number of times of performing corresponding to the performing items recorded in the performing record meets the performing conditions;

if yes, go to step S206;

if not, go to step S208;

step S206, unfreezing the sub-limit, and determining the contract state of the application contract as successful performance;

if the master user and the slave user trigger and use the interest voucher in the service processing process of the application service, recording the service processing process as a fulfillment item into the fulfillment record;

step S208, judging whether the number of times of performing corresponding to the performing item recorded in the performing record is 0;

if yes, go to step S210;

if not, executing step S212 and step S214;

step S210, unfreezing the sub-limit, and determining that the contract state of the application contract is non-performing;

step S212, calculating the used interest quantitative value corresponding to the fulfillment item according to the transaction information of the fulfillment item recorded in the fulfillment record;

and step S214 is executed, the credit line is deducted according to the used interest quantification value, the sub-line is unfrozen, and the contract state of the application contract is determined to be the performance failure.

Following the above example, the user a, the family member B, the family member C and the family member D thereof make a credit travel contract for the public transportation travel service of the travel application, and the performing process of the credit travel contract is specifically as follows:

the method comprises the steps that firstly, under the condition that a 30-day performance period of a credit travel contract expires, bus taking items and subway taking items recorded in a performance record of the credit travel contract are read;

it should be noted that, in the using process of the public transportation travel service, the user a, the family member B, the family member C and the family member D trigger and use the bus taking code and the subway taking code (right certificate) provided by the contract right of the credit travel contract to perform bus taking and subway taking, and the generated bus taking items and subway taking items are recorded in the performance record;

secondly, judging whether the taking times corresponding to the bus taking items and the subway taking items recorded in the fulfillment record meet the requirement that the total taking times using the bus taking codes and the subway taking codes in the fulfillment condition exceed 30 times (including 30 times);

if yes, executing a third step, unfreezing the frozen 120-element sub-limit in the credit line of the user A, and determining the contract state of the credit travel contract as successful performance;

if not, executing the fourth step, and judging whether the total times of taking the bus items and the subway items recorded in the performance record are 0 or not;

if yes, executing the fifth step, unfreezing the frozen 120-element sub-limit in the credit line of the user A, and determining that the contract state of the credit travel contract is non-performing;

if not, executing the sixth step and the seventh step;

sixthly, calculating the used discount amount corresponding to the bus taking items and the subway taking items according to the transaction details of the bus taking items and the subway taking items recorded in the performance record, wherein the used discount amount comprises a used discount amount A1 (used interest quantitative value, assumed to be 3 yuan) for triggering the 7-fold coupon for preferential settlement by 10 times of bus taking and a used discount amount A2 (used interest quantitative value, assumed to be 9 yuan) for triggering the 8-fold coupon for preferential settlement by 15 times of subway taking,

seventhly, deducting the 3-yuan used preferential amount A1 and the 9-yuan used preferential amount A2 from the frozen 120-yuan sub-quota in the credit quota of the user A, then unfreezing the rest 108-yuan frozen quota part, and determining the contract state of the credit travel contract as the performance failure.

In specific implementation, on the basis of creating the application contract, performing the benefit return preprocessing on the credit account of the master user, and performing the benefit issuance processing on the master user and the slave user, the master user and the slave user may perform corresponding service processing using a benefit certificate obtained after the benefit issuance processing, and optionally, the service processing process provided in this embodiment is specifically as follows:

1) acquiring a business processing request which is triggered by the master user and/or the slave user and submitted after the rights and interests voucher is used;

2) performing service processing on the application service of the target application based on the service processing request, and updating the certificate information of the rights and interests certificate;

3) and generating a performance item based on the processing procedure of the business processing and recording the performance item into a performance record of the application contract.

For example, the right certificate issued to the user a, the family member B, the family member C, and the family member D in the right issue processing procedure of the credit travel contract is: the coupon of 7-fold for bus can be used for 60 times and the coupon of 8-fold for subway can be used for 60 times;

if the user A submits a corresponding bus taking settlement request in the process of taking the bus, corresponding preferential settlement is carried out on the bus taking settlement request according to the 7-fold discount coupon, the remaining use times of the 7-fold discount coupon of the bus taking is required to be updated after the preferential settlement is finished, the remaining use times of the 7-fold discount coupon of the bus taking of the family member B, the family member C and the family member D are synchronously updated, and finally, a fulfillment item, namely the user A takes the bus and triggers the preferential settlement of the 7-fold discount coupon of the bus taking, is written into a fulfillment record of a credit travel contract;

if the family member C submits a corresponding settlement request for taking the subway in the process of taking the subway, the settlement request for taking the subway is correspondingly settled according to the 8-fold discount coupon for the subway, after the settlement is finished, the residual using times of the 8-fold discount coupon for the subway are updated, the residual using times of the 8-fold discount coupon for the subway for the user A, the family member B and the family member D are synchronously updated, and finally, the fulfillment item that the family member C takes the subway and triggers the preferential settlement of the 8-fold discount coupon for the subway is written into the fulfillment record of the credit travel contract.

In order to reduce the situation of a failure in performing a contract on an application contract of a master user and a slave user for a target application, provide a corresponding relief path for the master user and the slave user being unable to perform the contract under a special situation, and improve the user experience of the application contract of the master user and the slave user for the target application, in an optional implementation manner provided in this embodiment, a release right for releasing the application contract is opened to the master user, the slave user does not have a release right for releasing the application contract, and a master contract page corresponding to the master user is configured with a contract release control, see fig. 3, a process of performing a release process on the application contract includes steps S302 to S306:

step S302, acquiring a contract release application submitted by the master user through triggering the contract release control;

step S304, based on the contract release application, calculating the used interest quantification value corresponding to the performance item according to the transaction information of the performance item recorded in the performance record of the application contract;

and S306, deducting the credit line according to the used interest quantification value, unfreezing the sub-line, and updating the interest certificates sent to the master user and the slave users into invalid certificates.

In addition, in order to promote a performance behavior that the master user and the slave user can actively participate in the application contract, reduce an occurrence probability of performance failure, and further promote a user experience of the master user and the slave user for an application service of the target application, in an optional implementation manner provided in this embodiment, a platform access request of the master user or the slave user for an application platform to which the target application belongs is first obtained, and then based on a performance record of the application contract, it is determined whether a performance frequency of the master user or the slave user is less than a preset performance frequency threshold; and if so, generating a performance reminding and sending the performance reminding to the master user or the slave user so as to respond to the platform access request.

For example, after acquiring an access request of one or more of user a, family member B, family member C, and family member D to a payment platform where an travel application is located, according to a user submitting the access request, according to the number of times of performing and the time of performing in a performance record of a credit travel contract of the travel application, a performance frequency of the user within a current performance term is calculated, and in a case that the performance frequency of the user is less than an average performance frequency of other users or less than a preset performance frequency threshold, a performance prompt is sent to the user.

In order to enable the master user and the slave user to conveniently perform application service processing of the target application after participating in the target application, in an optional implementation manner provided in this embodiment, after performing rights and interests returning preprocessing on a credit account of the master user and performing rights and interests issuing processing on the master user and the slave user, whether the master user and/or the slave user receives a service identification code of the application service of the target application is determined; if yes, no treatment is needed; if not, generating a reminding message for getting the service identification code, and pushing the reminding message to a master user and/or a slave user who is not got; and generating a service identification code and issuing the service identification code to a master user and/or a slave user which triggers the reminding message under the condition that the reminding message is detected to be triggered.

Taking a travel application as an example, when a credit travel contract of the travel application is signed, 120 yuan is frozen for a credit line Q in a credit account of a user A, and a 7-fold coupon for a bus which can be used for 60 times and an 8-fold coupon for a subway which can be used for 60 times are issued to the user A and a family member B, the family member C and the family member D, after that, whether the user A and the family member B, the family member C and the family member D receive bus riding codes of cities in which the four people are located on a payment platform in which the travel application is located and subway riding codes of the cities in which the four people are located are further judged, if the user A and the family member B have received the bus riding codes and the subway riding codes, but the family member C and the family member D have not received the bus riding codes, the family member D has not received the subway riding codes, pushing a reminding message of getting the bus taking code to the family member C, and generating and issuing the bus taking code of the family member C if the family member C clicks the reminding message; and a reminding message for receiving the bus taking code and the subway taking code is pushed to the family member D, and if the family member D clicks the reminding message, the bus taking code and the subway taking code of the family member D are generated and issued.

In addition, under the condition that the judgment result of whether the master user and/or the slave user receives the service identification code of the application service of the target application is judged to be negative, the service identification code of the master user and/or the slave user which is not received can be generated, the service identification code is issued to the master user and/or the slave user which is not received in the reminding message mode, and after the issuance, the master user and/or the slave user which are not received in the reminding message can obtain the service identification code by triggering the reminding message.

In specific implementation, from the perspective of the target application, users with different roles may be confronted with access, for example, a user accessing the target application may be a primary user and a secondary user who have participated in signing an application contract of the target application, or may be a user who has not participated in signing an application contract, and in order to improve the experience of the user on the target application, a process of accessing the target application by users with different roles is distinguished and specifically processed, in an optional implementation manner provided in this embodiment, referring to fig. 4, an application access processing process of the target application includes steps S402 to S420:

step S402, a second access request submitted by an access user aiming at the target application is obtained, and the identity of the access user is determined based on the second access request; the identity identification refers to a user ID of the access user;

step S404, judging whether a historical application contract participated by the access user exists or not based on the identity; the historical application contract in which the access user participates comprises the application contract of the target application in which the access user participates as a master user or a slave user in the past;

if yes, go to step S406;

if not, go to step S414 and step S416;

executing step S406, and judging whether the contract state of the historical application contract is a performance state;

if yes, go to step S408;

if not, displaying an invitation page of the target application to the access user;

step S408, judging whether the access user is a master user of the historical application contract;

if the user is the master user, executing the step S410, and displaying a master contract page corresponding to the master user of the historical application contract to the access user;

if not, executing step S412 to show the subordinate contract page corresponding to the subordinate user of the historical application contract to the access user;

as described above, the master user has a release authority to release the application contract, and the slave user does not have a release authority to release the application contract, and accordingly, the master contract page corresponding to the master user is different from the slave contract page corresponding to the slave user in that the master contract page corresponding to the master user is configured with a contract release control, and the slave contract page corresponding to the slave user is not;

step S414, determining the geographic area to which the access user belongs; such as determining a city to which the accessing user belongs;

step S416, determining whether the service coverage area of the application service of the target application includes the geographic area;

if yes, go to step S418;

step S418, judging whether the access user meets the admittance qualification of the target application;

if yes, executing step 420, generating an invitation page of the target application and displaying the invitation page to the access user;

and if not, displaying a preset page of the target application to the access user, for example, displaying a bottom-of-pocket page or a promotion page of the travel application to the access user.

The following takes the application of the first contract processing method provided in this embodiment in a trip scenario as an example, and further describes the contract processing method provided in this embodiment, referring to fig. 5, the contract processing method applied in the trip scenario specifically includes steps S502 to S528.

Step S502, obtaining an access request submitted by a user for the travel application.

Step S504, a platform user establishing an association relationship between the application platform where the travel application is located and the user is obtained as an associated user.

The travel application is a sub-application which provides travel service for users in the payment platform, a user (user A) is a registered user of the payment platform, the payment platform provides a function of establishing family relationship among the users, and a user B (family member B), a user C (family member C) and a user D (family member D) which establish family relationship with the user A in the payment platform are associated users of the user A.

Step S506, an offer page of the travel target application is generated, and the user identifier of the associated user is displayed based on the offer page.

Specifically, whether the associated user meets the application admission condition of the trip application is judged;

if so, displaying a user head portrait identifier of the associated user based on the invitation page;

if not, displaying the user head portrait identifier of the associated user and the reminding identifier that the associated user does not meet the application admission condition based on the invitation page.

Step S508, obtaining an offer instruction submitted by the target associated user selected from the associated users.

Step S510, based on the contract template of the travel application, a credit travel contract is created for the master user by using the user as the master user and the target associated user as the slave user.

And S512, determining a right quantized value corresponding to the contract right according to the contract right of the credit travel contract, and freezing the credit line in the credit account of the master user.

And determining the sub-limit value of the frozen sub-limit of the credit limit in the credit account of the master user according to the interest quantification value.

And step S514, sending the right certificate of the public transportation travel service provided by the travel application to the master user and the slave user according to the contract right of the credit travel contract.

Step S516, when the performance term of the credit travel contract expires, reads the performance items recorded in the performance record of the credit travel contract.

Step S518, judging whether the number of times of performing corresponding to the performing items recorded in the performing record meets the performing conditions;

if yes, go to step S520;

if not, go to step S522.

Step S520, unfreezing the sub-limit, and determining the contract state of the credit travel contract as successful performance.

If the master user and the slave user trigger and use the interest voucher in the service processing process of the public transportation travel service, the service processing process is recorded into the fulfillment record as fulfillment items.

Step S522, determining whether the number of times of performing corresponding to the performing item recorded in the performing record is 0;

if yes, go to step S524;

if not, step S526 and step S528 are executed.

Step S524, unfreezing the sub-limit, and determining that the contract status of the credit travel contract is not performed.

Step S526, calculating the used interest quantification value corresponding to the fulfillment item according to the transaction information of the fulfillment item recorded in the fulfillment record.

Step S528, deducting the credit line according to the used equity quantification value, unfreezing the sub line, and determining the contract state of the credit travel contract as a performance failure.

The following takes an application of the second contract processing method provided in this embodiment in a travel scenario as an example, and further describes the contract processing method provided in this embodiment, referring to fig. 6, the contract processing method applied in the travel scenario specifically includes steps S602 to S622.

Step S602, an access request submitted by a user for a target application is obtained.

Step S604, determining and displaying the associated users having the association relation with the users so as to respond to the access request.

Step S606, under the condition that an offer instruction submitted by a target associated user selected from the associated users is obtained, a credit travel contract is created for the slave user by using the user as the master user and the target associated user based on the contract template of the travel application.

And step S608, determining a right quantized value corresponding to the contract right according to the contract right of the credit travel contract, and freezing the credit line in the credit account of the master user.

Step S610, according to the contract interest of the credit travel contract, sending the interest voucher of the public transportation travel service provided by the travel application to the master user and the slave users.

Step S612, acquiring a service processing request submitted after the master user and/or the slave user triggers and uses the rights and interests voucher.

Step S614, based on the service processing request, the service processing of the public transportation travel service of the travel application is carried out, and the certificate information of the rights and interests certificate is updated.

Step S616, generating a fulfillment item based on the use of the public transportation travel service and recording the fulfillment item into a fulfillment record of the credit travel contract.

And step 618, acquiring a contract release application submitted by the master user through triggering the contract release control.

Step S620, based on the contract release application, calculating a used interest quantification value corresponding to the performance item according to the transaction information of the performance item recorded in the performance record of the credit travel contract.

And step S622, deducting the credit line according to the used interest quantification value, unfreezing the sub-line, and updating the interest certificate sent to the master user and the slave user into an invalid certificate.

In summary, in the contract processing method provided in this embodiment, starting from an access request submitted by the user for a target application, first determining associated users of the user, then creating an application contract with the user as a master user and the target associated user as a slave user based on a selected target associated user among the associated users, and finally performing right return preprocessing and right issue processing on the master user and the slave user at the same time, from the perspective of the user, the interaction frequency between the user and the associated users can be increased, and at the same time, both the user and the associated users can enjoy rights brought by participating in the target application, and from the perspective of an application provider, the user conversion of the target application is effectively increased in a manner that the user invites the associated users to participate in the target application; in addition, the user and the associated user sign and fulfill the application contract in a user cluster mode, the success rate of the user in performing contract can be effectively improved, the user participation experience under a credit contract system is improved, and meanwhile, the method is beneficial to popularization of application and popularization and perfection of the credit contract system.

An embodiment of a contract processing apparatus provided in this specification is as follows:

in the above embodiments, a contract processing method is provided, and a contract processing apparatus is also provided, which is described below with reference to the drawings.

Referring to fig. 7, a schematic diagram of a contract processing apparatus provided in the present embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a contract processing apparatus including:

an access request obtaining module 702 configured to obtain an access request submitted by a user for a target application;

an associated user determining module 704 configured to determine and present an associated user having an association relationship with the user in response to the access request;

an application contract creating module 706 configured to, in a case where an offer instruction submitted for a target associated user selected from the associated users is acquired, create an application contract for the user as a master user and the target associated user as a slave user based on a contract element of the target application;

and a contract interest processing module 708 configured to perform interest return preprocessing on the credit account of the master user and perform interest issuing processing on the master user and the slave users according to the contract interest of the application contract.

Optionally, the credit account is a primary signing account of the application contract, and the contract right processing module 708 includes:

the freezing processing sub-module is configured to determine a right quantized value corresponding to the contract right and freeze a credit line in a credit account of the master user; the sub-limit value of the sub-limit of which the credit limit is frozen is determined according to the interest quantification value;

a rights voucher transmission sub-module configured to transmit rights vouchers for using application services provided by the target application to the master user and the slave users.

Optionally, the application contract comprises a performance term, performance conditions and a performance record;

if the fulfillment condition is met within the fulfillment time limit, unfreezing the sub-limit frozen in the credit account of the main user;

if the performance condition is not satisfied within the performance period, the sub-amount is partially or completely unfrozen according to the used equity quantification value determined by the performance record.

Optionally, the contract processing apparatus further includes:

a performance item reading module configured to read a performance item recorded in a performance record of the application contract when a performance deadline of the application contract expires;

a fulfillment condition judgment module configured to judge whether a fulfillment number corresponding to a fulfillment item recorded in the fulfillment record satisfies the fulfillment condition;

if yes, operating a first unfreezing processing module; the unfreezing processing module is configured to unfreeze the sub-limit and determine that the contract state of the application contract is successful in performing;

and if the master user and the slave user trigger and use the interest voucher in the service processing process of the application service, recording the service processing process as a fulfillment item into the fulfillment record.

Optionally, the contract processing apparatus further includes:

a number-of-performing-times judging module configured to judge whether a number of performing times corresponding to the performing item recorded in the performing record is 0;

if yes, operating a second unfreezing processing module, wherein the second unfreezing processing module is configured to unfreeze the sub-limit and determine that the contract state of the application contract is non-performing;

if not, operating a first used rights and interests quantification numerical value calculation module and a third unfreezing processing module;

the first used interest quantitative value calculating module is configured to calculate a used interest quantitative value corresponding to the performance item according to the transaction information of the performance item recorded in the performance record;

and the third unfreezing processing module is configured to deduct the credit line according to the used interest quantification value, unfreeze the sub-line and determine that the contract state of the application contract is a performance failure.

Optionally, the master user has a release authority for releasing the application contract, the slave user does not have the release authority for releasing the application contract, and a master contract page corresponding to the master user is configured with a contract release control;

correspondingly, the contract processing device further comprises:

the contract release application acquisition module is configured to acquire a contract release application submitted by the master user by triggering the contract release control;

a second used interest quantitative value calculating module, configured to calculate, based on the contract release application, a used interest quantitative value corresponding to the performance item according to transaction information of the performance item recorded in the performance record of the application contract;

and the right and interest certificate updating module is configured to deduct the credit line according to the used right and interest quantification value, perform unfreezing processing on the sub-line, and update the right and interest certificates sent to the master user and the slave user into invalid certificates.

Optionally, the contract processing apparatus further includes:

a service processing request acquisition module configured to acquire a service processing request submitted after the master user and/or the slave user triggers and uses the rights and interests voucher;

the certificate information updating module is configured to perform business processing on the application business of the target application based on the business processing request and update the certificate information of the rights and interests certificate;

and the performance item recording module is configured to generate a performance item based on the processing procedure of the business processing and record the performance item into the performance record of the application contract.

Optionally, the access request includes an access request submitted by the user through triggering an application control of the target application; the application control is configured on a user association page establishing an association relationship with the user in an application platform to which the target application belongs.

Optionally, the associated user determining module 704 includes:

the associated user acquisition sub-module is configured to acquire a platform user establishing an association relation with the user on the application platform as the associated user;

the associated user judgment sub-module is configured to judge whether the associated user meets the application admission condition of the target application;

if so, operating a first invitation page display module; the first invitation page presentation module is configured to generate an invitation page of the target application and present the user identification of the associated user based on the invitation page;

if not, operating a second invitation page display module; the second invitation page display module is configured to generate the invitation page, and display the user identifier of the associated user and the reminding information that the associated user does not meet the application admission condition based on the invitation page.

Optionally, the contract processing apparatus further includes:

a service identification code judging module configured to judge whether the master user and/or the slave user receives a service identification code of an application service of the target application;

if not, operating a prompting message pushing module and a service identification code issuing module;

the reminding message pushing module is configured to generate a reminding message for getting the service identification code and push the reminding message to a master user and/or a slave user who does not get the service identification code;

and the service identification code issuing module is configured to generate a service identification code and issue the service identification code to a master user and/or a slave user which triggers the reminding message under the condition that the reminding message is detected to be triggered.

Optionally, the contract processing apparatus further includes:

the second access request receiving module is configured to obtain a second access request submitted by an access user aiming at the target application, and determine the identity of the access user based on the second access request;

a historical application contract judging module configured to judge whether a historical application contract in which the access user participates exists based on the identity;

if yes, operating a performance state judgment module; the performance state judging module is configured to judge whether the contract state of the historical application contract is a performance state;

if yes, operating a master user judgment module; the master user judging module is configured to judge whether the access user is a master user of the historical application contract;

if the main contract is the main user, operating a main contract page display module; the master contract page display module is configured to display a master contract page corresponding to a master user of the historical application contract to the access user;

if the contract is not the master user, operating a slave contract page display module; the subordinate contract page display module is configured to display subordinate contract pages corresponding to subordinate users of the historical application contracts to the access users.

Optionally, the contract processing apparatus further includes:

a geographic region determination module configured to determine a geographic region to which the visiting user belongs;

a geographic area determination module configured to determine whether a service coverage of an application service of the target application includes the geographic area;

if yes, operating an admission qualification judgment module; the admission qualification judging module is configured to judge whether the access user meets the admission qualification of the target application;

if yes, operating an offer page display module; the offer page presentation module is configured to generate an offer page of the target application and present the offer page to the visiting user.

Optionally, the contract processing apparatus further includes:

a platform access request acquisition module configured to acquire a platform access request of the master user or the slave user for an application platform to which the target application belongs;

a performance frequency judging module configured to judge whether a performance frequency of the master user or the slave user is less than a preset performance frequency threshold value based on a performance record of the application contract;

if yes, operating a fulfillment prompt generation module; the fulfillment alert generation module is configured to generate a fulfillment alert and send the fulfillment alert to the primary user or the secondary user in response to the platform access request.

An embodiment of a contract processing device provided in this specification is as follows:

in correspondence to the above-described contract processing method, based on the same technical concept, one or more embodiments of the present specification further provide a contract processing device for executing the above-described provided contract processing method, and fig. 8 is a schematic structural diagram of a contract processing device provided in one or more embodiments of the present specification.

The present embodiment provides a contract processing apparatus, including:

as shown in FIG. 8, contract processing devices may vary significantly depending on configuration or performance, and may include one or more processors 801 and memory 802, where one or more stored applications or data may be stored in memory 802. Wherein the memory 802 may be a transient storage or a persistent storage. The application program stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a contract processing device. Still further, processor 801 may be configured to communicate with memory 802 to execute a series of computer-executable instructions in memory 802 on a contract processing device. The contract processing apparatus may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input-output interfaces 805, one or more keyboards 806, and the like.

In a particular embodiment, a contract processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the contract processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

acquiring an access request submitted by a user aiming at a target application;

determining and displaying an associated user having an association relation with the user so as to respond to the access request;

under the condition that an invitation instruction submitted by a target associated user selected from the associated users is acquired, based on a contract element of the target application, the user is taken as a master user, and the target associated user is taken as a slave user to create an application contract;

and according to the contract interest of the application contract, carrying out interest return pretreatment on the credit account of the master user, and carrying out interest issuing treatment on the master user and the slave users.

Optionally, the credit account is a primary signed account of the application contract, and the performing of the equity return preprocessing on the credit account of the primary user includes:

Optionally, after performing the benefit return preprocessing on the credit account of the master user according to the contract benefit of the application contract and performing the benefit issuing processing instruction on the master user and the slave user, the following computer-executable instructions are further performed:

reading a fulfillment item recorded in a fulfillment record of the application contract in case that a fulfillment period of the application contract expires;

judging whether the number of times of performing corresponding to the performing items recorded in the performing record meets the performing conditions or not;

if so, unfreezing the sub-limit, and determining that the contract state of the application contract is successful in performing;

Optionally, if the determination result that whether the number of times of performing the contract corresponding to the performing item recorded in the performing record satisfies the performing condition instruction after execution is negative is determined, the following computer-executable instructions are further executed:

judging whether the number of times of performing corresponding to the performing items recorded in the performing record is 0;

if yes, unfreezing the sub-limit, and determining that the contract state of the application contract is non-performing;

if not, calculating the used interest quantification value corresponding to the fulfillment item according to the transaction information of the fulfillment item recorded in the fulfillment record;

and deducting the credit line according to the used right and interest quantification value, carrying out unfreezing treatment on the sub-line, and determining that the contract state of the application contract is the performance failure.

correspondingly, after the equity return preprocessing is performed on the credit account of the master user according to the contract equity of the application contract, and the equity issue processing instruction is executed on the master user and the slave users, the following computer-executable instructions are further executed:

acquiring a contract release application submitted by the master user through triggering the contract release control;

calculating a used interest quantification value corresponding to the performance item according to the transaction information of the performance item recorded in the performance record of the application contract based on the contract release application;

and deducting the credit line according to the used rights and interests quantification value, performing unfreezing treatment on a sub-line, and updating rights and interests certificates sent to the master user and the slave users into invalid certificates.

acquiring a business processing request which is triggered by the master user and/or the slave user and submitted after the rights and interests voucher is used;

performing service processing on the application service of the target application based on the service processing request, and updating the certificate information of the rights and interests certificate;

and generating a performance item based on the processing procedure of the business processing and recording the performance item into a performance record of the application contract.

Optionally, the determining and displaying an associated user having an association relationship with the user includes:

judging whether the master user and/or the slave user obtain the service identification code of the application service of the target application;

if not, generating a reminding message for getting the service identification code, and pushing the reminding message to a master user and/or a slave user who is not got;

and generating a service identification code and issuing the service identification code to a master user and/or a slave user which triggers the reminding message under the condition that the reminding message is detected to be triggered.

Optionally, the computer-executable instructions are further for:

acquiring a second access request submitted by an access user aiming at the target application, and determining the identity of the access user based on the second access request;

determining whether a historical application contract in which the access user participates exists based on the identity;

if yes, judging whether the contract state of the historical application contract is a performance state;

if yes, judging whether the access user is a master user of the historical application contract;

if the user is the master user, displaying a master contract page corresponding to the master user of the historical application contract to the access user;

and if the access user is not the master user, displaying a slave contract page corresponding to the slave user of the historical application contract to the access user.

Optionally, if the determination result after determining whether there is the historical contract application instruction that the access user participates in based on the identity is negative, the following computer-executable instructions are further performed:

determining a geographic area to which the visiting user belongs;

judging whether the service coverage of the application service of the target application comprises the geographic area or not;

if yes, judging whether the access user meets the admittance qualification of the target application;

and if so, generating an invitation page of the target application and displaying the invitation page to the access user.

acquiring a platform access request of the master user or the slave user for an application platform to which the target application belongs;

judging whether the performance frequency of the master user or the slave user is smaller than a preset performance frequency threshold value or not based on the performance record of the application contract;

and if so, generating a performance reminding and sending the performance reminding to the master user or the slave user so as to respond to the platform access request.

An embodiment of a storage medium provided in this specification is as follows:

in correspondence to the contract processing method described above, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

acquiring an access request submitted by a user aiming at a target application;

Optionally, after performing a benefit return preprocessing on the credit account of the master user according to the contract benefit of the application contract, and performing a benefit issue processing procedure on the master user and the slave users, the computer-executable instructions, when executed, further implement the following procedures:

Optionally, if the determination result after determining whether the number of times of performing corresponding to the performing item recorded in the performing record satisfies the performing condition process is that the process is not executed, the computer-executable instruction further implements the following process when executed:

correspondingly, after the credit return preprocessing is performed on the credit account of the master user according to the contract interest of the application contract, and the right issue processing flow is performed on the master user and the slave users, the computer-executable instructions, when executed, further implement the following flow:

Optionally, the computer executable instructions, when executed, further implement the following process:

Optionally, if the determination result after determining whether there is a historical contract application process in which the access user participates based on the identity is negative, the computer-executable instruction further implements the following process when executed:

determining a geographic area to which the visiting user belongs;

It should be noted that the embodiment related to the storage medium in this specification and the embodiment related to the data processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

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.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable contract processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable contract processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable contract processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable contract processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A contract processing method comprising:

acquiring an access request submitted by a user aiming at a target application;

2. A contract processing method according to claim 1, the credit account being a primary contracted account of the application contract, the conducting of the equity return preprocessing on the credit account of the primary user comprising:

3. The contract processing method of claim 2, the application contract comprising a performance term, performance conditions, and a performance record;

4. A contract processing method according to claim 2, further comprising, after the execution of the right return preprocessing for the credit account of the primary user and the right issue processing steps for the primary user and the secondary users according to the contract right of the application contract:

5. The contract processing method according to claim 4, wherein if the determination result after the step of determining whether the number of performing times corresponding to the performing item recorded in the performing record satisfies the performing condition is no, the following operation is performed:

6. The contract processing method according to claim 2, the master user having a release authority to release the application contract, the slave user having no release authority to release the application contract, and a master contract page corresponding to the master user being configured with a contract release control;

correspondingly, after the steps of conducting the equity return preprocessing on the credit account of the master user and conducting the equity issue processing on the master user and the slave users are executed according to the contract equity of the application contract, the method further comprises the following steps:

7. A contract processing method according to claim 2, further comprising, after the execution of the right return preprocessing for the credit account of the primary user and the right issue processing steps for the primary user and the secondary users according to the contract right of the application contract:

8. The contract processing method of claim 1, the access request comprising an access request submitted by the user by triggering an application control of the target application; the application control is configured on a user association page establishing an association relationship with the user in an application platform to which the target application belongs.

9. The contract processing method of claim 8, wherein the determining and presenting associated users having an association relationship with the user comprises:

10. A contract processing method according to claim 1, further comprising, after the execution of the right return preprocessing for the credit account of the primary user and the right issue processing steps for the primary user and the secondary user according to the contract right of the application contract:

11. The contract processing method of claim 1, further comprising:

12. The contract processing method according to claim 11, wherein if the determination result after the determination of whether there is a history of contract application step involving the access user based on the identity is negative, the following operation is performed:

determining a geographic area to which the visiting user belongs;

13. A contract processing method according to claim 1, further comprising, after the execution of the right return preprocessing for the credit account of the primary user and the right issue processing steps for the primary user and the secondary user according to the contract right of the application contract:

14. A contract processing apparatus comprising:

the access request acquisition module is configured to acquire an access request submitted by a user aiming at a target application;

an associated user determining module configured to determine and present an associated user having an association relation with the user in response to the access request;

the application contract creating module is configured to create an application contract by taking the user as a master user and the target associated user as a slave user based on the contract elements of the target application under the condition that an invitation instruction submitted by the target associated user selected from the associated users is acquired;

and the contract interest processing module is configured to perform interest return preprocessing on the credit account of the master user according to the contract interest of the application contract, and perform interest issuing processing on the master user and the slave users.

15. A contract processing apparatus comprising:

a processor; and the number of the first and second groups,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

acquiring an access request submitted by a user aiming at a target application;

16. A storage medium storing computer-executable instructions that when executed implement the following:

acquiring an access request submitted by a user aiming at a target application;