CN114493803A

CN114493803A - Method and device for performing treatment in credit project

Info

Publication number: CN114493803A
Application number: CN202210278417.9A
Authority: CN
Inventors: 李�杰
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd
Priority date: 2019-07-31
Filing date: 2019-07-31
Publication date: 2022-05-13
Also published as: CN110555751A; CN110555751B

Abstract

The application provides a method and a device for performing in a credit project, wherein the method for performing in the credit project comprises the following steps: determining the performance information of a contract signing party aiming at the credit contract in different performance dimensions of the credit item; updating credit points of a credit account of the contract signing party according to the performance information, wherein the contract signing party comprises an issuing party. By the method for performing the contract in the credit project, the contract signing party can be restrained according to the credit contract signed by the contract signing party, no matter the user or the platform signing the credit contract can perform the credit restraint on the contract signing party, the contract signing party signing the credit contract can be ensured to effectively perform the credit contract, and the attention of the contract signing party to the credit is improved.

Description

Method and device for performing treatment in credit project

The application is a divisional application with the application number of 201910704394.1, application date of 2019, 7 and 31, and the title of the invention is "method and device for performing contract in credit project".

Technical Field

The application relates to the technical field of credit information management, in particular to a fulfillment processing method in a credit project. The application also relates to a fulfillment processing apparatus in a credit project, a computing device, and a computer-readable storage medium.

Background

With the development of internet technology, various credit services are more and more, a user can loan, rent a car or rent things according to credit to obtain a lot of services, and the user only needs to accord with the current credit and enjoy the lease right in the lease process, so that the needed articles can be leased.

In the prior art, a platform or a merchant for renting articles by a user in a renting process usually recommends a renting time limit and articles which can be rented by the user for the user according to the credit state of the user, if the user does not return the articles within the renting time limit, the credit of the user is reduced, or the user is requested to pay overtime rent for the articles which are not returned on time, so that the user can be restrained from performing on time in the credit renting process, and further the loss of the platform or the merchant for renting the articles is avoided.

However, in the process of restricting the user, the credit of the platform or the merchant is often neglected, and the platform or the merchant renting the goods may also have a non-performing situation, for example, when the user can rent the goods by credit, the merchant does not rent the user; in this case, the loss to the user is also huge, and there is no good way in the prior art to perform credit constraints on the platform or the merchant.

Disclosure of Invention

In view of the above, the present application provides a method for performing a contract in a credit project. The present application also relates to a fulfillment processing apparatus in a credit project, a computing device, and a computer-readable storage medium to solve the technical drawbacks of the prior art.

According to a first aspect of embodiments of the present application, there is provided a fulfillment processing method in a credit project, including:

obtaining a credit contract signed by a contract-signing party of a credit item in the process of participating in the credit item;

determining, by the credit contract, fulfillment information for the contract contracting party in each fulfillment dimension of the credit item;

calculating credit scores generated by the contract signing party participating in the credit items according to contract terms recorded in the credit contract and the performance information of each performance dimension;

updating credit points for a credit account of the contract signing party based on the credit score.

Optionally, the determining, by the credit contract, performance information of the contract contracting party in each performance dimension of the credit item includes:

analyzing the credit contract to obtain an order identification signed by the contract signing party for the credit item;

extracting order information associated with a credit account of the contract signing party based on the order identification;

and determining the fulfillment information of each fulfillment dimension of the credit item of the contract signing party according to the order information.

Optionally, the calculating a credit score generated by the contract signing party participating in the credit item according to the contract terms recorded in the credit contract and the performance information of each performance dimension includes:

determining a performance weight for each performance dimension according to contract terms recorded in the credit contract;

calculating a performance weight value of each performance dimension according to the performance weight and the performance information;

arranging the performance weights in a descending order, and giving performance coefficients to the performance dimensions according to the arrangement order;

calculating a product of the performance weight value and the performance coefficient for each performance dimension, and summing the product results as the credit score.

determining, by the credit contract, behavioral performance information for the contract contracting party in a behavioral performance dimension of the credit item, and temporal performance information in a temporal performance dimension;

and integrating the behavior performance information and the time performance information to determine the behavior performance information and the time performance information as the performance information.

extracting contract penalty terms and contract reward terms included in the contract terms recorded in the credit contract;

determining contract fulfillment information for the contract signing party to fulfill the credit contract and contract non-fulfillment information for the contract signing party to not fulfill the credit contract according to the fulfillment information of the respective fulfillment dimensions;

calculating a reward credit score resulting from participation of the contract signer in the credit item in accordance with the contract performance information and the contract reward term, and a penalty credit score resulting from participation of the contract signer in the credit item in accordance with the contract non-performance information and the contract penalty term;

determining the credit score by summing the reward credit score and the penalty credit score.

Optionally, before the step of executing the credit contract signed by the contract signing party for acquiring the credit item in the process of participating in the credit item, the contract signing party further comprises:

determining a credit contract template according to the item type of the credit item;

and acquiring the credit contract generated after the contract signing party signs the credit contract template.

Optionally, after the step of updating the credit points of the credit account of the contract signing party based on the credit scores is executed, the method further comprises:

acquiring the current credit point of the credit account;

and inquiring a preset credit information table according to the current credit point to determine the credit information of the credit account, and determining the credit information of the credit account as the credit information of the contract signing party.

determining the credit level of the credit account according to the credit information table;

adding a credit label to the credit account based on the credit rating.

Optionally, after the step of calculating a credit score generated by participation of the contract signing party in the credit item according to the contract terms recorded in the credit contract and the performance information of each performance dimension is executed, the method further includes:

determining whether the credit score is less than a first credit score threshold and greater than a second credit score threshold;

if yes, determining a delay period according to the credit point of the credit account under the condition that the contract signing party is detected to have delay authority, and sending a delay period prompt to the contract signing party.

determining whether the credit score is less than the second credit score threshold;

if yes, freezing part of credit points in the credit points of the credit account, and detecting whether the contract signing party performs on the credit contract within a preset time period;

if the contract signing party carries out the performance for the credit contract in the time period, unfreezing the part of the credit score, and sending reminding information for carrying out the performance according to the credit contract to the contract signing party;

and if the contract signing party does not perform on the credit contract in the time period, deducting the part of the frozen credit points, and updating the credit points of the credit account.

transmitting, to the contract signer, claim amount information according to the credit contract in a case where the credit score is the minimum value;

and deducting the claim payment amount in the credit account according to the claim payment amount information.

According to a second aspect of embodiments of the present application, there is provided a fulfillment processing apparatus in a credit project, including:

a credit contract acquisition module configured to acquire a credit contract that a contract signing party of a credit item signed in a process of participating in the credit item;

a determination performance information module configured to determine performance information of the contract contracting party in each performance dimension of the credit item by the credit contract;

a credit score calculation module configured to calculate a credit score generated by the contract signing party participating in the credit item according to contract terms recorded in the credit contract and the performance information of each performance dimension;

an update credit score module configured to update a credit score of a credit account of the contract signing party based on the credit score.

Optionally, the module for determining fulfillment information includes:

a credit contract analysis unit configured to obtain an order identifier signed by the contract signing party for the credit item by analyzing the credit contract;

an order information extracting unit configured to extract order information associated with a credit account of the contract signing party based on the order identification;

a determine fulfillment information unit configured to determine the fulfillment information of the contract contracting parties in each fulfillment dimension of the credit item according to the order information.

Optionally, the module for calculating a credit score includes:

a determination of performance weight unit configured to determine a performance weight for each performance dimension according to contract terms recorded in the credit contract;

a step of calculating a performance weight value, configured to calculate a performance weight value of each performance dimension according to the performance weight and the performance information;

a performance coefficient giving unit configured to arrange the performance weights in descending order and give a performance coefficient to each performance dimension according to the arrangement order;

a credit score calculation unit configured to calculate a product of the performance weight value and the performance coefficient of each performance dimension, and sum the product result as the credit score.

Optionally, the module for determining fulfillment information includes:

a first determination unit configured to determine, by the credit contract, behavior fulfillment information of the contract signing party in a behavior fulfillment dimension of the credit item and time fulfillment information in a time fulfillment dimension;

an integrated performance information unit configured to integrate the behavior performance information and the time performance information to determine as the performance information.

Optionally, the module for calculating a credit score includes:

an extraction term unit configured to extract contract penalty terms and contract reward terms included in contract terms recorded in the credit contract;

a second determination unit configured to determine, from the performance information of the respective performance dimensions, contract performance information that the contract signing party performed the credit contract, and contract non-performance information that the contract signing party did not perform the credit contract;

a first calculation unit configured to calculate a reward credit score generated by the contract signing party participating in the credit item based on the contract performance information and the contract reward term, and calculate a penalty credit score generated by the contract signing party participating in the credit item based on the contract non-performance information and the contract penalty term;

a second calculation unit configured to determine the credit score by summing the bonus credit score and the penalty credit score.

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

a memory and a processor;

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

According to a fourth aspect of embodiments of the present application, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the fulfillment processing method in any of the credit projects.

The method for performing in the credit project provided by the application comprises the steps that a contract signing party who acquires the credit project signs a credit contract in the process of participating in the credit project; determining, by the credit contract, fulfillment information for the contract contracting party in each fulfillment dimension of the credit item; calculating credit scores generated by the contract signing party participating in the credit items according to contract terms recorded in the credit contract and the performance information of each performance dimension; updating credit points for a credit account of the contract signing party based on the credit score.

In the method for performing processing in a credit project, by acquiring a credit contract signed by a contract signing party, determining performance information of the contract signing party in each performance dimension of the credit project according to the credit contract, calculating a credit score of the contract signing party according to contract terms recorded in the credit contract and the performance information of each performance dimension, it is realized that the performance condition of the contract signing party for the credit contract can be determined in different performance dimensions of the credit project, and finally, the credit score of a credit account signed by the contract is updated according to the credit score, so that the credit score can be updated for the performance condition of the credit contract by any user or platform, and the credit condition of the user or platform can be embodied through the finally determined credit score, the method can effectively restrict the performance of the user or the platform which signs the credit contract.

Drawings

Fig. 1 is a flowchart illustrating a method for performing a contract in a credit project according to an embodiment of the present application;

fig. 2 is a flowchart illustrating a performance processing method applied to a credit project of a credit loan project according to an embodiment of the present application;

fig. 3 is a schematic structural diagram of a fulfillment processing apparatus in a credit project according to an embodiment of the present application;

fig. 4 is a block diagram of a computing device according to an embodiment of the present application.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. This application is capable of implementation in many different ways than those herein set forth and of similar import by those skilled in the art without departing from the spirit of this application and is therefore not limited to the specific implementations disclosed below.

The terminology used in the one or more embodiments of the present application is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of the present application. As used in one or more embodiments of the present application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present application refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments of the present application to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first aspect may be termed a second aspect, and, similarly, a second aspect may be termed a first aspect, without departing from the scope of one or more embodiments of the present application. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

First, the noun terms to which one or more embodiments of the present invention relate are explained.

And (3) credit contract: it means that there is a consensus that two or more users or platforms reach "right", "responsibility" and "interest" for the use of a certain service, and one piece of data is reserved on each party participating in the service. Wherein "right" defines the right that one party enjoys, and can also be understood as the action that the other party needs to perform, such as returning money on time; "liability" defines the liability of the breach that the breaching party needs to undertake, e.g., fines the breaching party, etc.; the "benefits" define benefits that a performing party can obtain, e.g., the amount of money that the default party is paid, etc.

The present application provides a method for performing in a credit project, and relates to a device for performing in a credit project, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments one by one.

Fig. 1 is a flowchart illustrating a method for performing in a credit project according to an embodiment of the present application, including steps 102 to 108.

Step 102: a contract-signing party obtaining a credit item signs a credit contract in participation with the credit item.

In an embodiment of the present application, the credit item refers to an item in which a credit is mortgage to obtain a service, and a plurality of parties obtaining the service are punished or rewarded to realize a constraint on the plurality of parties obtaining the service; for example, the credit item may be a credit loan item, a credit public interest item, or a credit rental item.

In the credit book borrowing project, a library rents a book to a user based on own credit, the user borrows the book to the library based on own credit, in the process of renting and borrowing the book, the library and the user can use part of the credit of the library and the user as mortgage, the part of the credit is embodied in the form of credit points in a credit account, the two parties can obtain rewards when performing, default conditions can be punished when the two parties perform, and the project established based on the credit mechanism is the credit book borrowing project;

in the credit public service project, users agree to do public service with each other, in the public service process, two parties take equivalent credit as mortgage to carry out public service activities together, if any one party or two parties complete the public service within the regulation, the party or two parties can obtain reward because of having already performed the contract, if the party or two parties do not complete the public service within the regulation, the party or two parties can obtain punishment because of default, and the project established based on the credit mechanism is the credit public service project.

The contract signing party refers to any party participating in the credit project, and the contract signing party can comprise a contracting party and a submitting party; the contracting party is a party sending a contracting order, and generates the credit contract by sending the contracting order to the contracting party and requesting the contracting party to sign on the contracting order; the contracting party refers to a party receiving the contracting order, the contracting order is generated by receiving the contracting order and signing on the contracting order, and the signature of the contracting party exist on the contracting order, so that the contracting order can be determined as the credit contract; wherein the issue order is that the issuing party enters into an agreement with the credit platform, the credit platform provides a credit contract template to the issuing party, and the issuing party generates the issue order by signing on the credit contract template.

In the credit book borrowing project, contract signing parties are users and libraries, when the users borrow books from the libraries, the users are contracting parties, the libraries are contracting parties, and after the users and the libraries sign on contracting orders, credit contracts between the users and the libraries can be generated.

In the credit equity project, the contract signing party is all users participating in equity, the user actively initiating the equity activity is the contracting party, other users participating in the equity activity are the contracting parties, and the contracting party can generate the credit contract between the contracting party and the contracting party after signing on the contracting order.

Based on this, in the item based on the credit rental item, the user is a party for renting the item, the merchant is a party for renting the item, and when the user rents the item rented by the merchant through the own credit, the user and the merchant sign a credit contract according to the type of the rented item and the rental term.

Here, a method of performing a contract in the credit item will be described by taking the credit item as a credit rental item as an example. Based on this, in the process of renting the needed goods by credit, no matter for a merchant renting the goods or a user renting the goods by credit, the credit is a certificate for transactions between the two parties, the merchant needs to decide whether to rent the goods to the user according to the credit of the user, the user needs to decide whether to rent the goods to the merchant successfully according to the credit of the user, the credit of the user decides the time for the user to use the goods, and in the case of default of the user, the fee generated by the default needs to be paid to the merchant, so that the credit of the user plays an important role in the item of the credit renting the goods.

In the method for performing processing in credit projects provided by the application, in order to provide an equal credit project service platform for a user and to perform restriction on merchants, a credit contract is signed between the user and the merchant under the condition that the user and the merchant perform credit leases, the credit contract can simultaneously restrict the merchant and the user and avoid the occurrence of merchant non-performing conditions, performing information of each performing dimension of the merchant and the user in the credit leases project is determined through the credit contract, credit scores of the user and the merchant are calculated through the performing information and contract terms in the credit contract, performing conditions of the user and the merchant can be positively reflected through the credit scores, credit scores of credit accounts of the user are updated through the credit scores of the user, credit scores of the credit accounts of the merchant are updated through the credit scores of the merchant, the credit points can visually reflect the credit of the merchant or the user, the user can be restricted when the user rents goods through the credit points, the merchant can be restricted when the merchant rents goods, the respective benefits of the user and the merchant are effectively guaranteed, the user and the merchant can be promoted to perform on the credit contract, and the occurrence of default conditions is reduced.

Before acquiring the credit contract signed by the contract signing party, in one or more embodiments of this embodiment, when the contract signing party signs the credit contract, the contract signing party signs the contract according to the item type of the credit item, and a specific implementation manner is as follows:

Specifically, firstly determining the project type of the credit project, determining a credit contract template according to the project type, then sending the credit contract template to a contract signing party, finally receiving the credit contract template signed by the contract signing party, and determining the credit contract template signed by the contract signing party as the credit contract;

the credit contract template is determined according to the item type, for example, if the credit item is a credit book borrowing item, the determined credit contract template is a template associated with the credit book borrowing item, and the credit contract template records related contract terms such as user complete performance book returning credit score increasing, library complete performance book returning credit score increasing, user incomplete performance book returning credit score decreasing, library incomplete performance book returning credit score decreasing, and the like; or under the condition that the credit item is a credit public service item, determining that the credit contract template is a template associated with the credit public service item, and recording related contract terms such as that the user participates in the public service on time and completes the public service increase credit score, the user does not participate in the public service on time and does not complete the public service reduction credit score, and the user does not participate in the public service reduction credit score in the credit contract template;

based on this, in the case of determining the credit contract template, the platform carrying the credit contract template will send the credit contract template to the contract signing party (the contracting party and the contracting party) who needs to sign the credit contract, and then obtain the credit contract template signed and completed by the contract signing party, and determine the signed and completed credit contract template as the credit contract.

The platform for bearing the credit program means that the users participating in the credit program establish a credit account on the credit platform and then participate in the credit program through the credit account, so that the users participating in the credit program can be restrained by performing a contract through the credit platform, and the attention of the users to the credit is improved.

In addition, in the scenario of passing a credit lease, the item type of the credit item may be determined according to the type of the specific lease item, and then the credit contract template is determined, and the credit contract template may be established by the merchant of the credit lease and the credit platform carrying the credit contract template before the credit lease is performed, the established credit contract template is associated with the credit lease item, and the specific establishment process is not limited in this application.

Before acquiring the credit contract signed by the contract signing party to participate in the credit contract signed by the credit item, the credit contract signed by the contract signing party is associated with the item type of the credit item, the benefit of the contract signing party can be effectively ensured, and the contract terms in the credit contract template are established based on the credit item, so that the phenomenon that the contract signing party is cheated is avoided.

Step 104: determining, by the credit contract, fulfillment information for the contract contracting party in each fulfillment dimension of the credit item.

Specifically, on the basis of the above-mentioned acquisition of the credit contract signed by the contract signing party in the process of participating in the credit item, further, determining the performance information of the contract signing party in each performance dimension of the credit item through the credit contract; each performance dimension of the credit project specifically refers to a dimension of performing by a contract contracting party, and specifically may include performance dimensions such as an action performance dimension, a time performance dimension, or a repayment performance dimension; based on this, the fulfillment information of each fulfillment dimension specifically refers to information that the contract contracting party performs for the credit item.

In particular implementation, in the process of determining, by the credit contract, the performance information of the contract signing party in each performance dimension of the credit item, the credit contract being associated with the credit item county, the performance information of the contract signing party in each performance dimension of the credit item is determined based on contract terms included in the credit contract.

In one or more embodiments of this embodiment, the specific implementation manner of determining, by the credit contract, the performance information of the contract contracting party in each performance dimension of the credit item is as follows:

Specifically, on the basis of obtaining the credit contract, the behavior performance dimension and the performance information of the time performance dimension of the credit item of the contract signing party are respectively determined through the credit contract, and the performance information of each performance dimension is integrated and determined as the performance information of the contract signing party in each performance dimension of the credit item by integrating the behavior performance information and the time performance information.

In the credit borrowing project, for example, a user signs a credit borrowing contract with a library, the credit borrowing contract comprises terms such as the number of rents which can be borrowed by the user through credit, the library can determine the number of the rents according to the credit of the user, the library rents 5 books to the user according to the credit of the user, the user is required to return within 30 days, the 5 books cannot be damaged, the user returns 5 books for the user through the performance information of the performance dimension in the process of returning the books, the performance information of the time performance dimension is returned in advance for 10 days, and the performance information of the performance dimension is paid for a certain amount of compensation after one book is soaked in water; in the process of borrowing the books, the library borrows 5 books from the performance information of the performance dimension, returns the books within 30 days of the borrowing period from the performance information of the time performance dimension, and obtains the payment amount of the user for repayment of the performance information of the performance dimension; and integrating the performance information of each performance dimension to determine the performance information of the user and the performance information of the library.

In the credit public welfare project, for example, the user a, the user B and the user C decide to go to the public welfare for running for 3 hours, the user a, the user B and the user C sign a credit public welfare contract on a credit platform, the credit public welfare contract comprises running start time 9 click, running end time 12 click and the name of a running park, and the running start time of the user a is 9: 00, at 12: 05 end, user B starts running at time 9: 00, at 12: 00 ends, and the time for user C to start running is 10: 00, at 12: 00, in the process, it may be determined that the performance information of the behavior performance dimension of the user a is running, the performance information of the time performance dimension is running after 3 hours of running for 5 minutes, the performance information of the behavior performance dimension of the user B is running, the performance information of the time performance dimension is running after 3 hours of running, the performance information of the behavior performance dimension of the user C is running without completing a running task, and the performance information of the time performance dimension is running for 2 hours; and integrating the performance information of each performance dimension to respectively determine the performance information of the user A, the user B and the user C.

In addition, the performance information of each performance dimension may be determined according to the type of the credit item, and the performance dimensions corresponding to different credit items are also different, for example, in a credit borrowing item, there is a time performance dimension, and in a credit purchasing food item, a user may purchase food through credit, but the food is a consumable, and there is no return condition, so there is no time performance dimension; based on this, in the process of determining the fulfillment information of each fulfillment dimension of the credit item, the fulfillment information of each fulfillment dimension of the credit item is determined according to an actual application scenario, and the application does not limit the fulfillment dimension included in the credit item in any way.

The method and the device have the advantages that the specific performance condition of the contract signing party can be more accurately reflected by determining the performance information of the contract signing party in different performance dimensions, the credit scoring result calculated in the subsequent calculation process of the credit scoring of the contract signing party can be more attached to the performance information of the contract signing party, and the performance behavior of the contract signing party can be directly reflected from the credit scoring.

On the basis of the above-mentioned obtaining of the credit contract signed by the contract signing party in the process of participating in the credit item, further, in one or more embodiments of this embodiment, a specific implementation manner of determining, by the credit contract, the performance information of each performance dimension of the credit item of the contract signing party is as follows:

extracting order information associated with a credit account of the contract signer based on the order identification;

Specifically, the credit contract includes, in addition to contract terms that constrain the contract signing party, an order identifier signed by the contract signing party according to the credit item, where the order identifier is a unique identifier and matches with order information signed by the contract signing party according to the credit item; on the basis, the credit contract is analyzed, order identification signed by the contract signing party for the credit item is obtained, and order information associated with a credit account of the contract signing party is extracted according to the order identification, wherein the credit account of the contract signing party is specifically the credit account of the contract signing party on the platform bearing the credit contract, and all credit events of the contract signing party are recorded in the credit account;

and if the order information records specific performance information of the contract signing party for the credit item, determining the performance information of each performance dimension of the credit item of the contract signing party according to the order information.

In specific implementation, under the condition of determining the order mark, a credit account of the contract signing party needs to be determined, all credit events are extracted from the record information of the credit account, and finally the order information recorded in the credit account is determined through the order mark; the order information records the performance information of the contract signing party in each performance dimension for the credit item.

In the credit borrowing project, still by taking the example of signing a contract of credit borrowing contract between the user and the library, describing the process of determining the performance information, analyzing the contract of credit borrowing contract to obtain the order identification of a rental order signed by the user and the library for the credit borrowing project, extracting associated order information from the credit account of the user and the credit account of the library through the order identification of the rental order, determining that the performance information of the performance dimension returns 5 books for the user in the order information of the user, returning the performance information of the performance dimension 10 days in advance, and paying a certain amount of compensation if the performance information of the performance dimension is one book soaked in water; in the order information of the library, it may be determined that the performance information of the performance dimension is that the user 5 books are borrowed, the performance information of the time performance dimension is that the books are returned within 30 days of the borrowing period, and the performance information of the repayment dimension is that the amount of the claim paid by the user is acquired.

In the credit public welfare project, the user a, the user B and the user C still decide to run for 3 hours in public welfare, the user a, the user B and the user C sign a credit public welfare contract example on a credit platform, describe the process of determining performance information, analyze a credit public welfare contract to obtain order identifications of public welfare orders signed by the user a, the user B and the user C for the credit public welfare project, extract associated order information in a credit account of the user a, a credit account of the user B and a credit account of the user C through the order identifications of the public welfare orders, and enable the performance information of the performance dimension of the user a to be run in the order information of the user a, and enable the performance information of the time performance dimension to run for 3 hours for 5 minutes more; determining that the performance information of the behavior performance dimension of the user B is running and the performance information of the time performance dimension is running completed for 3 hours in the order information of the user B; in the order information of the user C, it may be determined that the performance information of the behavior performance dimension of the user C is running and the running task is not completed, and the performance information of the time performance dimension is running for 2 hours.

The order mark is stored in the credit contract signed by the contract signing party, so that the credit score of the contract signing party can be accurately calculated according to the credit items participated by the contract signing party in the subsequent process of calculating the credit score of the contract signing party, and the fact that the performance information is determined based on the actual performance condition can be effectively guaranteed.

Step 106: and calculating credit scores generated by the contract signing party participating in the credit items according to contract terms recorded in the credit contract and the performance information of each performance dimension.

Specifically, on the basis of the above-mentioned determination of the performance information of the contract signing party on each performance dimension of the credit item by the credit contract, further, first, a contract term recorded in the credit contract is determined, the contract term is recorded with the content of terms such as a performance increase credit score, a default decrease credit score and the like, and based on this, a credit score generated by the contract signing party participating in the credit item is calculated according to the contract term recorded in the credit contract and the performance information of each performance dimension, wherein the credit score is a score obtained by calculation and needs to be increased/decreased on the credit score.

In specific implementation, the credit score of each performing dimension is calculated separately, the credit score is calculated according to the performing information of each performing dimension and the contract terms, and finally the credit score of each performing dimension is accumulated and summed to be used as the credit score generated by the contract signing party participating in the credit project; wherein the credit score of each performance dimension may be a positive number or a negative number, a positive number indicating better performance of the performance dimension, and a negative number indicating worse performance of the performance dimension.

On the basis of the above-mentioned determination of the performance information of the contract signing party in each performance dimension of the credit item through the credit contract, further, in one or more embodiments of this embodiment, a specific implementation manner of calculating the credit score generated by the contract signing party participating in the credit item is as follows:

Specifically, the credit contract is signed by the contract signing party according to the credit terms, a performance weight of each performance dimension is recorded in a contract clause of the credit contract, the performance weight of each performance dimension is calculated according to the performance weight and the performance information, the performance weights are sorted from large to small according to the magnitude of the performance weights, a performance coefficient is given to each performance dimension according to the ranking order of the performance weights, the performance coefficients may be ranked in equal proportion, for example, a performance coefficient given to a performance dimension corresponding to a maximum performance weight is half, a performance coefficient given to a performance dimension corresponding to a maximum performance weight may be one fourth, and a performance coefficient given to a performance dimension corresponding to a performance weight ranked at a third position may be one eighth, and so on until all the fulfillment dimensions are given a fulfillment coefficient;

based on this, by multiplying the performance weight values of the individual performance dimensions by the performance coefficients and summing the product results as the credit score.

In a specific implementation, in the process of calculating the performance weight value of each performance dimension according to the performance weight and the performance information, the performance information may be information corresponding to performance of the contract signing party in the credit item, for example, if the user borrows 5 books, and returns 5 books, the performance information may be 5 books.

In the credit book borrowing project, a process of good performance of the contract signing party is described, for example, a user rents 5 books at a library, 5 books are still read in the first 7 days of the end time of the rental term, the total reading time is 23 days, the weight of a performance dimension can be determined to be 0.4 through a credit contract signed by the user and the library, the weight of a time performance dimension is 0.2, the performance of the user can be obviously determined to be good through the contents, and the performance weight of the performance dimension is determined to be 0.4 × 7 to 2.8, 0.4 × 5 to 2.0, and the performance weight of the time performance dimension is determined to be 0.2 × 23 to 4.6 through calculation; assigning a performance coefficient to each dimension according to the performance weight, wherein the assigned performance coefficients are 1/2, 1/4 and 1/8, respectively, calculating the product of the performance weight value and the performance coefficient of each performance dimension to determine that 2.8 × 1/2 is 1.4, 2.0 × 1/4 is 0.5, and 4.6 × 1/8 is 0.575, and summing up the product results to determine that the credit score generated by the user participating in the credit borrowing item is 1.4+0.5+0.575 is 2.475; the credit score generated when the library participates in the credit book borrowing project is similar to the process of calculating the credit score of the user, and redundant description is not repeated herein.

Still in the credit loan project, a general process of the performance of the contract signing party is described, for example, a user rents 5 books at a library, 5 books are returned 7 days after the end time of the rental term, the total reading time is 37 days, the weight of the performance dimension can be determined to be 0.4 through a credit contract signed by the user with the library, the weight of the time performance dimension is 0.2, the performance of the user can be obviously determined to be general through the above contents, and the performance weight of the performance dimension is determined to be-7 × 0.4 ═ 2.8, 5 × 0.4 ═ 2.0, and the performance weight of the time performance dimension is determined to be-7 × 0.2 ═ 1.4 through calculation; and assigning a performance coefficient to each dimension according to the performance weight, wherein the assigned performance coefficients are 1/2, 1/4 and 1/8, respectively, calculating the product of the performance weight value and the performance coefficient of each performance dimension to determine that-2.8 × 1/2 is-1.4, 2.0 × 1/4 is 0.5, and-1.4 × 1/8 is-0.175, and summing the product results to determine that the credit score generated by the user participating in the credit borrowing item is-1.4 +0.5+ (-0.175) or-1.075.

Based on the above description, it may be determined that, in the process of calculating the credit score generated by the contract signing party participating in the credit item, the performance of the contract signing party determines the size of the credit score, and further determines the credit score of the credit account of the contract signing party, and the credit score is calculated through the actual performance of the contract signing party, so as to improve the accuracy of updating the credit score.

In the credit public welfare project, a process of good performance of the contract contracting parties is described, for example, the user D and the user E decide to perform the tree planting for the credit public welfare for 2 hours, from 9: 00 to 11: 00, where user D is at 8: 30 start tree planting, 11: 00, finishing tree planting, planting 5 trees in total, and enabling a user E to plant the trees in a range of 9: 30 start tree planting, 11: 00, finishing tree planting, planting 3 trees in total, determining that the weight of a behavior performance dimension is 0.98 and the weight of a time performance dimension is 0.02 according to a credit contract signed by a user D and a user E, obviously determining that the performance behavior of the user D is good through the contents, and determining that the performance weight value of the behavior performance dimension of the user D is 0.98 × 5 to 4.9 and the weight value of the time performance dimension is 0.02 × 150 to 3 through calculation when the performance behavior of the user E is general; the magnitude of the re-performing weight is endowed with performing coefficients of 1/2 and 1/4 for each dimension, the product of the performing weight and the performing coefficient of each performing dimension can be calculated to determine that 4.9 × 1/2 is 2.45, 3 × 1/4 is 0.75, and the product result is summed to determine that the credit score generated by the user D participating in the credit equity item is 0.75+2.45 to 3.2;

the method comprises the steps of assigning a performance coefficient to each action performance dimension by calculating the performance weight value of the action performance dimension of the user E to be 0.98 x 3-2.94, and the weight value of the time performance dimension to be 0.02 x (-30) — 0.6 re-performance weight, wherein the assigned performance coefficients are 1/2 and 1/4 respectively, calculating the product of the performance weight value and the performance coefficient of each performance dimension to determine that 2.94 1/2 is 1.47, -0.6 1/4 is-0.15, and summing up the product results to determine that the credit score generated in the participation of the user E in the credit communal item is-0.15 + 1.47-1.32.

In the specific implementation, the calculation modes adopted in different credit project scenes can be the same or different, for example, in a credit borrowing project, the obtained credit score is a negative number under the condition that the performance behavior of the user is not good, so that the credit score of the user is reduced; in the credit commonweal item, as long as the user participates in the commonweal item according to the credit contract, the obtained credit score is larger than zero, and the credit score of the user can be further improved.

In the process of calculating the credit score of the contract signing party, the calculation is carried out according to the types of the credit items participated by the contract signing party, the credit score can be calculated for the contract signing party according to different scenes of the credit items, the credit score of the contract signing party can be calculated more accurately according to the credit items, and the accuracy of updating the credit score is improved.

extracting contract punishment terms and contract reward terms included in the contract terms recorded in the credit contract;

Specifically, contract terms are recorded in the credit contract, the contract terms are used for restricting the responsibility which should be fulfilled by a contract signing party signing the credit contract, in the case of faithfully fulfilling the credit contract, a certain reward is given to the contract signing party signing the credit contract for improving the attention of the contract signing party to credit, in the case of faithfully fulfilling the credit contract, a certain penalty is given to the contract signing party signing the credit contract, and the behavior that the contract signing party does not carry out the fulfillment according to the credit contract is punished;

based on this, when the reward and punishment are performed to the contract signing party, the determination is made according to the content of the contract clauses in the credit contract, the content of the contractual terms is used to determine in which case penalties and in which case rewards, determining the contract penalty term and the contract reward term by extracting contract terms recorded in the credit contract, while determining contract fulfillment information for the contract contracting party to fulfill the credit contract based on the fulfillment information for each fulfillment dimension, the contract performance information specifically refers to information that the contract contracting party has performed in the performing dimension, and determining contract non-fulfillment information that the contract signing party does not fulfill the credit contract according to the fulfillment information of each fulfillment dimension, the contract non-fulfillment information specifically refers to information that the contract signing party does not fulfill in the fulfillment dimension;

here, it is determined that the contract signing party may receive an award based on the contract performance information and receive a penalty based on the contract non-performance information, and a reward credit score generated by the contract signing party to participate in the credit item is calculated based on the contract performance information and the contract reward term, the reward credit score being an award received by the contract signing party to perform a credit contract; calculating a penalty credit score resulting from participation of said contract subscriber in said credit project based on said contract non-fulfillment information and said contract penalty terms, said penalty credit score being a penalty incurred by said contract subscriber for not fulfilling credit contracts;

by summing the bonus credit score and the penalty credit score, it may be determined that the performance of the contract signing party in the current credit contract and the non-performance of the contract signing party determine the credit score generated by participating in the credit item, indicating that the performance of the contract signing party is better when the credit score is positive, indicating that the performance of the contract signing party is general when the credit score is zero, and indicating that the performance of the contract signing party is worse when the credit score is negative.

In a credit borrowing item, for example, a contract reward clause in a credit contract signed by a user and a library adds a credit score for performing, and a contract penalty clause adds a credit score for performing and deducts a credit score for not performing, wherein the library borrows 5 books for the user, the term is 30 days, the contract performance information of the user performing the credit contract is determined to be book return 5 books by collecting the performance information of the user in each performing dimension, the contract non-performance information of the user not performing the credit contract is determined to be book return exceeding 7 days by the performance information of the user in each performing dimension, the reward credit score of the user is calculated to be 1 by the contract performance information and the reward contract clause, the penalty credit score of the user is calculated to be 0.7 by the contract non-performance information and the contract penalty clause, and finally the credit score obtained by the user in the credit borrowing item is determined to be 1-0.7-0.3; the credit score obtained by the library in the credit borrowing item is finally determined to be 1 through the calculation mode.

The credit score of the user is calculated according to the performance behavior of the user and the credit score of the merchant is calculated according to the performance behavior of the merchant, and the credit scores of the merchant and the user are respectively calculated, so that the credit of the merchant can be displayed to the user, and the selectivity of the user is improved.

In the credit public service project, for example, the user D and the user E decide to perform the tree planting for the credit public service for 2 hours, from 9: 00 to 11: 00, contract reward terms in the credit contract signed by the user D and the user E are credit scores added according to self public welfare behaviors, and contract penalty terms are credit scores deducted by a party not participating in public welfare activities, wherein the user D is in a state that 8: 30 start tree planting, 11: 00, finishing tree planting, planting 5 trees in total, and enabling a user E to plant the trees in a range of 9: 30 start tree planting, 11: and 00, finishing tree planting, planting 3 trees in total, planting 150 minutes for the contract fulfillment information of the user D, planting 5 trees for the contract fulfillment information of the user D, planting 90 minutes for the contract fulfillment information of the user D, planting 3 trees, wherein the user D and the user E both participate in public service projects, so no contract non-fulfillment information exists, calculating the reward credit score of the user D to be 5 according to the contract fulfillment information and the contract reward clause, calculating the reward credit score of the user E to be 3 according to the contract fulfillment information and the contract reward clause, and the penalty credit scores of the user D and the user E are both 0.

The credit scores of the users are calculated according to the performance behaviors of the users respectively through the performance behaviors between the users, the users are promoted to participate in the public service projects actively by rewarding the credit scores, the attention of the users to the credit points is improved, and the users can be promoted to participate in more public service projects.

In the process of calculating the credit score of the contract signing party, the reward credit score and the penalty credit score of the contract signing party can be calculated through contract reward terms and contract penalty terms in the credit contract and contract fulfillment information and contract non-fulfillment information of the credit contract of the contract signing party, the calculation of the credit score of the contract signing party can be given at two different angles respectively, and finally the reward credit score and the penalty credit score are summed to be used as the credit score generated by the contract signing party participating in the credit project, so that the calculated credit score is matched with actual performance behaviors, and the accuracy of the calculated credit score is high.

On the basis of the above calculation of the credit score generated by the contract signing party participating in the credit item, further, in one or more embodiments of this embodiment, the performance behavior of the contract signing party in the credit item at this time may be reflected according to the size of the credit score of the contract signing party, and in the case that the performance behavior of the contract signing party is better, a certain right may be opened to the contract signing party, and a certain term of the contract signing party is limited, which is specifically implemented as follows:

if yes, determining a delay period according to the credit point of the credit account under the condition that the contract signing party is detected to have delay authority, and sending a delay period prompt to the contract signing party;

if not, no treatment is needed.

Specifically, after calculating a credit score generated by the contract signing party participating in the credit item, it may be determined whether the credit score is smaller than a first credit score threshold and larger than a second credit score threshold, where the first credit score threshold may be set according to an actual application scenario, or the first credit score threshold is determined as a highest credit score that can be obtained by the contract signing party in the credit item, and the highest credit score is used as the first credit score threshold, where when the credit score of the contract signing party is the highest credit score, it is indicated that the contract signing party performs excellent performance, and the credit score of the credit account of the contract signing party may be directly updated according to the highest credit score;

on the basis, the second credit score threshold value can be understood as a limit value of whether a certain delay authority is given to the contract signing party, in the case that the credit score of the contract signing party is greater than the second credit score threshold value, the performance behavior of the contract signing party is good, the user can be given a certain delay authority, in the case that the credit score of the contract signing party is less than the second credit score threshold value, the performance behavior of the contract signing party is poor, and the user is not given a certain delay authority;

here, it is determined whether the credit score is smaller than a first credit score threshold and larger than a second credit score threshold, if yes, it indicates that the performance of the contract signing party in the credit item at this time is better, it may be detected that the contract signing party has a deferral authority, a deferral time of the deferral authority opened by the contract signing party is determined by determining a credit score in a credit account of the contract signing party, and the deferral authority that can be opened is longer if the credit score in the credit account of the contract signing party is higher, and is shorter if the credit score in the credit account of the contract signing party is higher; and simultaneously informing the contract signing party of obtaining the postponed authority and reminding the contract signing party of the specific time after the postponed time.

On the basis of the above calculation of the credit score generated by the contract signing party participating in the credit item, further, in one or more embodiments of this embodiment, the performance of the contract signing party in the credit item at this time may be reflected according to the size of the credit score of the contract signing party, and in the case that the performance of the contract signing party is poor, the credit score in the credit account of the contract signing party may be partially frozen, so as to avoid further loss, which is specifically implemented as follows:

if not, no treatment is needed;

Specifically, after calculating a credit score generated by the contract signing party participating in the credit item, whether the credit score is smaller than the second credit score threshold value may be determined, where the second credit score threshold value may be understood as a limit value of whether a certain delay authority is given to the contract signing party or whether the credit score of the contract signing party is frozen; if the credit score of the contract signing party is larger than the second credit score threshold value, the performance of the contract signing party is good, and if the credit score of the contract signing party is smaller than the second credit score threshold value, the performance of the contract signing party is poor;

on the basis, credit points in a credit account of the contract signing party can be acquired, partial credit points in the credit points are determined to be frozen according to credit items participated by the contract signing party, a grace period is set for the contract signing party, the contract signing party is requested to perform as soon as possible in the grace period, then performance behaviors of the contract signing party are monitored in real time, and whether the contract signing party performs for the credit contract within a preset time period (grace period) is detected;

if the contract signing party performs the contract on the credit contract in the time period, which indicates that the contract signing party may not perform the contract faithfully due to other factors, unfreezing the frozen part of the credit score, and simultaneously sending reminding information for performing the contract according to the credit contract to the contract signing party, wherein the sent reminding information for performing the contract according to the credit contract specifically indicates that the contract signing party is reminded to perform the non-performing part as soon as possible;

if the contract signing party does not perform on the credit contract within the time period, which indicates that the contract signing party may have deliberate cheating action, deducting the frozen partial credit points, and updating the credit points in the credit account of the contract signing party.

In the credit borrowing project, for example, a user borrows 5 books from a library, the borrowing period is 30 days, when the 30 th day is reached, the credit score of the user is calculated to be 2, the first credit score threshold set according to the credit borrowing project is 5 scores, the second credit score threshold is 0 score, the credit score of the user can be determined to be smaller than the first credit score threshold and larger than the second credit score threshold, the credit score of the credit account of the user is 720 scores, the user can be determined to have delay authority, the credit score of the user is higher, a longer delay period can be obtained for 15 days, the actual ending period of the user is 45 days, and meanwhile, the reminding information of the delay period which is 15 days added on the basis of the original borrowing period is sent to the user;

when the 45 th day is reached, determining that the credit score of the user at the moment is-1, wherein the credit score of the user is smaller than a second credit score threshold value, and indicating that the user does not return to the library, freezing part of the 720 credit scores of the user at the moment, freezing 20 scores, detecting whether the user returns to the library within 5 days, and unfreezing the 20 scores if the user returns to the library, and reminding the user that the user should actively perform after participating in a credit project limited credit contract; if the book is not yet in use, the book is deducted from the 20 points, and the credit score of 720 points is updated to 700 points.

In the credit public service project, for example, the user D and the user E decide to perform the tree planting for the credit public service for 2 hours, from 9: 00 to 11: 00, planting 8 trees, planting 5 trees by a user D and planting 3 trees by the user E in the tree planting process, determining that the credit score of the user D is 2 scores, the credit score of the user E is-1 score, and the credit score of the user D is 5 scores and the credit score of the user E is 0 score according to a first credit score threshold set by a credit public interest project, determining that the credit score of the user D is smaller than the first credit score threshold and larger than a second credit score threshold, determining that the credit score of a credit account of the user D is 700 scores, determining that the user D enjoys a delay authority, obtaining the delay period to be 60 minutes, and sending a delay prompt to the user D; after 60 minutes, the tree planting of the user D is 8, and when the credit tree planting project is completed, 2 points are added on the basis of the credit score 700 of the user D, and the credit score of the user D is 702 points at the moment;

the credit score of the user E is-1, it may be determined that the credit score of the user E is smaller than the second credit score threshold, and the credit score of the user E is 600, which indicates that the user E cannot complete the public welfare tree planting, and the credit score is low, at this time, part of the credit score 600 score of the user E is frozen, 5 scores are frozen, and it is detected whether the user can plant 8 trees within 120 minutes, if the tree planting is larger than 8 trees, the 5 scores are deducted, if the tree planting is smaller than 8 trees, and the credit score of the updated user E is 595 scores.

In order to provide better credit service to the contract-contracting parties in the case that the credit score of the contract-contracting party is determined after calculation, the performance of the contract-contracting party can be reflected by the size of the credit score, and may provide some convenient action for the contract contracting parties, such as by extending the time limit, in the case where the credit score of the contract-contracting party is low, the credit score of the contract-contracting party may be frozen in order to avoid losses, thereby requiring the contract-contracting party to perform as quickly as possible, and if the contract-contracting party performs finally, unfreezing the frozen credit points, deducting the frozen credit points if the contract signing party finally violates, the interest of the contract signing party on the credit can be further restricted through a reward and punishment mechanism, and the benefit of the contract signing party signing the credit contract is ensured.

On the basis of the above calculation of the credit score generated by the contract signing party participating in the credit item, further, in one or more embodiments of this embodiment, when the credit score of the contract signing party is the lowest, it indicates that the contract signing party is completely default, and then the contract signing party needs to pay a claim, which is specifically implemented as follows:

Specifically, in the case that the calculated credit score generated by the contract signing party participating in the credit item reaches the minimum value, which indicates that the contract signing party is a complete default behavior for the credit contract and does not perform any performance behavior on the credit contract, the contract signing party may be sent with claim amount information according to contract terms in the credit contract, so as to remind the contract signing party of paying for the credit item, and deduct the claim amount from the balance of the credit account.

In practice, the payout amount is equivalent to the price of the article in the credit item participated by the contract signing party, for example, in the credit book borrowing item, if the user does not return the book to the library, the amount of the price equivalent to the price of the book not returned needs to be paid to the library; or in the credit public service item, the user does not timely participate in the credit public service item after joining the credit public service item, so that the loss of the public service item prepared for the user in the public service item is caused, and the user is required to pay the amount of money with the price equal to the lost public service item.

In the case where it is determined by calculation that the credit score of the contract signing party is the minimum value, indicating that the contract signing party does not perform on the credit contract, and is completely in a default state, the contract signing party is required to pay a certain amount of money, so that the action of the contract signing party on performing actively can be further restricted.

Step 108: updating credit points for a credit account of the contract signing party based on the credit score.

Specifically, on the basis of the credit score generated by obtaining the credit item participation of the contract signing party through calculation, the credit point of the credit account of the contract signing party is further updated according to the generated credit score.

In a specific implementation, the credit account of the contract signing party is specifically a credit account established by the contract signing party on a platform carrying the credit contract, and credit points of the credit account are used for presenting the credit status of the contract signing party in real time, wherein higher credit points indicate higher credit of the contract signing party, and conversely, lower credit points indicate lower credit of the contract signing party.

On the basis of the above updating of the credit score of the contract signing party, further, in one or more embodiments of this embodiment, the credit information of the contract signing party is determined by the credit score of the credit account, and the specific implementation manner is as follows:

acquiring the current credit point of the credit account;

Specifically, the current credit point of the credit account is determined according to the updated credit point of the credit account, the credit information of the credit account is determined according to a preset credit information table queried according to the current credit point, the credit information specifically refers to performance information and default information of the credit account in each credit item, the credit information of the credit account can be determined according to the performance information and the default information, the credit right enjoyed by the credit account at the moment can be determined through the credit information, and the credit right specifically refers to the right which can be obtained by a contract signing party according to credit; the credit information table records different credit points corresponding to different credit authorities; based on this, the credit information of the contract signing party can be determined by determining the credit information of the credit account.

In a credit borrowing project, for example, a library borrows books to a user according to the credit point number of the user, the type of the books borrowed to the user is determined according to the credit point number of the user, and the existing books are borrowed to the library by a user X, a user Y and a user Z, wherein the credit point of a credit account of the user X is 485 points, the credit point of a credit account of the user Y is 650 points, the credit point of a credit account of the user Z is 750 points, and the credit information of the user X, the user Y and the user Z can be determined by inquiring a credit information table, wherein the credit information table is shown in Table 1:

TABLE 1

It can be determined through table 1 that the user X can rent defective books, the user Y can rent defective books and complete books, the user Z can rent defective books, complete books and valuable books, the credit information of the user X can be determined to be poor through the rental authority enjoyed by the user X, the credit information of the user Y can be determined to be general, and the credit information of the user Z can be determined to be good through the rental authority enjoyed by the user Z.

Referring to table 1, where the last list of contents (having rental rights) is a list of information added based on credit loan items, in an implementation, related contents may be added to the credit information table according to actual application credit items, for example, in a credit public service item, the contents may be added to the credit information table: the running public interest items and the donation public interest items can be participated when the credit score is lower than 500 points, and the running public interest items, the donation public interest items and the afforestation public interest items can be participated when the credit score is higher than 500 points and lower than 700 points, and the running public interest items, the donation public interest items and the afforestation public interest items can be referred to when the credit score is higher than 700 points;

here, the content in the credit information table may be set according to an actual application scenario, and the present application is not limited in any way herein.

On the basis of determining the credit information of the contract signing party through the credit information table, further, in one or more embodiments of this embodiment, a credit tag may be added to a credit account of the contract signing party, and the credit information of the credit account may be directly embodied through the credit tag, and a specific implementation manner is as follows:

adding a credit label to the credit account based on the credit rating.

Specifically, in order to visually represent the credit information of the contract signing party, a credit tag may be added to the credit account of the contract signing party, where the process of adding the credit tag first determines the credit rating of the contract signing party through the credit information table, and then adds the credit tag to the credit account of the contract signing party according to the credit rating, where the credit tag is specifically a badge that can be displayed at the account name of the credit account, for example, the name display result of the credit account of the contract signing party is "a-good", where "a" is the credit account name of the contract signing party, and "good" is the credit tag.

After the credit points of the credit account of the contract signing party are updated, the credit information of the contract signing party can be determined by inquiring the credit information table, so that the credit condition of the contract signing party can be determined by the credit information of the contract signing party, a credit label can be added to the credit account of the contract signing party, the credit information of the contract signing party can be known by the credit label under the condition of not inquiring the credit points, and the credit state of the contract signing party can be conveniently determined.

The method for processing the performance of the credit project realizes that the performance information can be effectively ensured to be determined based on the actual performance condition of the contract signing party by acquiring the credit contract signed by the contract signing party, determining the performance information of the contract signing party in each performance dimension of the credit project according to the credit contract, calculating the credit score of the contract signing party according to the contract terms recorded in the credit contract and the performance information of each performance dimension, realizing that the credit score can be calculated for the contract signing party aiming at different scenes of the credit project, and the calculation of the credit score of the contract signing party can be given at two different angles respectively by including the contract reward terms and the contract penalty terms in the credit contract, thereby improving the calculation accuracy of the credit score, finally, updating the credit score of the credit account according to the credit score, wherein the credit information of the contract signing party can be intuitively reflected through the credit score; the method and the device have the advantages that the credit performance and default conditions of the parties signing the credit contract can be recorded, the parties signing the credit contract can be mutually selected, the performance rate of the contract signing party is improved, and the action that the contract signing party signing the credit contract actively performs is promoted.

The following description will further describe the performance processing method in the credit item by taking the application of the performance processing method in the credit item provided by the present application in the credit borrowing project as an example with reference to fig. 2. Fig. 2 is a flowchart illustrating a performance processing method applied to a credit item of a credit loan item according to an embodiment of the present application, where the specific steps include steps 202 to 230.

Step 202: a credit contract template is determined based on the credit borrowing project.

Specifically, the library has a credit account on a credit platform, and a user who sets the book renting can rent the book through the credit score of the credit account on the credit platform, and can use the credit score as a deposit, and can rent the book without paying the amount of money;

based on this, the user U rents 5 books in total by renting in the library, and the user U needs to sign a credit contract with the library, and the credit platform determines a credit contract template according to the credit book borrowing items, so that the user U and the library sign the credit book borrowing contract.

Step 204: and determining a credit borrowing contract signed by the user U and the library based on the credit contract template.

Specifically, the user U borrows 5 books together, the reading time is 30 days, the day 6 and 1 in 2019 is the initial rental day, and the day 7 and 1 in 2019 is the final rental day.

Step 206: and acquiring a credit book borrowing contract, analyzing the credit book borrowing contract and acquiring an order identifier.

Specifically, when the return date is over, the credit points of the credit account of the user U and the credit points of the credit account of the library are updated;

based on the above, the credit book borrowing contract is analyzed to determine the order identification of the book renting order between the user U and the library in the credit book borrowing process, and the behavior information of the user U and the library in the book renting process can be inquired through the order identification.

Step 208: and determining order information based on the order identification, and determining the performance information of the user U in the time performance dimension and the performance information of the behavior performance dimension according to the order information.

Specifically, when the user returns 3 books to the library, the fact that the user U returns 3 books to the library can be determined through order information, the book returning date is 6 months and 23 days in 2019, and all 3 books rented are damaged and returned perfectly;

based on the above, the performance information of the user U in the time performance dimension can be determined to be the reading time 23 days, and the user U returns to the book 7 days in advance; the performance information of the action performance dimension is returned book 3, and the default book 2 is not returned.

Step 210: the weight of the temporal fulfillment dimension and the weight of the behavioral fulfillment dimension are determined according to contract terms in the credit borrowing contract.

Specifically, the contract terms in the credit borrowing contract comprise contract reward terms and contract penalty terms, wherein the contract reward terms are used for rewarding the performance behaviors, and the contract penalty terms are used for penalizing the default behaviors;

based on this, it is determined that the weight of the time performance dimension is 0.4 and the weight of the behavior performance dimension is 0.6.

Step 212: a fulfillment weight value for the time fulfillment dimension is calculated based on the weight of the time fulfillment dimension and the fulfillment information.

Step 214: calculating a performance weight value for the performance dimension based on the weight for the performance dimension and the performance information.

Specifically, the performance information of the user U in the time performance dimension is reading time 23 days, book return 7 days in advance, book return 3 books in the action performance dimension, book default 2 books in advance, the weight of the time performance dimension is 0.4, and the weight of the action performance dimension is 0.6;

based on this, the fulfillment weight of the time fulfillment dimension is 7 × 0.4 — 2.8, and the fulfillment weight of the action fulfillment dimension is 3 × 0.6 — 1.8, -2 × 0.6 — 1.2.

Step 216: and arranging the performance weights in a descending order, and giving performance coefficients to the time performance dimension and the behavior performance dimension according to the arrangement order.

Specifically, the weight of the time performance dimension is 0.4, and the weight of the behavior performance dimension is 0.6;

based on this, the performance coefficients assigned to the equal-ratio series, it can be determined that the performance coefficients assigned to the behavioral performance dimension are 1/2 and 1/4, and the performance coefficient assigned to the temporal performance dimension is 1/8.

Step 218: and calculating the product of the performance coefficient and the performance weight value of the time performance dimension and the behavior performance dimension, and summing the product to be used as the credit score of the user U.

Specifically, the performance weight value of the time performance dimension is 2.8, and the performance coefficient assigned to the time performance dimension is 1/8; the performance weight values of the performance dimensions are 1.8 and-1.2, and the performance coefficients assigned by the performance dimensions are 1/2 and 1/4;

based on this, the product of the performance coefficient and the performance weight of the time performance dimension is 2.8 × 1/8 ═ 0.35 points, the product of the performance coefficient and the performance weight of the behavior performance dimension is 1.8 × 1/2+ (-1.2) × 1/4 ═ 0.9-0.3 ═ 0.6 points, and the credit score of the user U can be determined to be 0.35+0.6 ═ 0.95 points through summation.

Step 220: judging whether the credit score of the user U is smaller than a credit score threshold value; if yes, go to step 224; if not, go to step 222.

Specifically, the credit score threshold is used for judging whether the performance behavior of the user U in the credit borrowing project is better or worse;

based on this, the credit score threshold in the credit borrowing item is 0.

Step 222: the credit points for the credit account of user U are updated based on the credit scores.

Specifically, when the user has returned 3 books, the credit score of the user U obtained by calculation is 0.95 point, 1 point obtained in the credit borrowing project can be determined according to the carry method, the credit score 650 of the user U is updated based on the credit score 1 point, and the credit score of the user U is 651 point at this time.

Step 224: a portion of the credit points in the credit account of user U is frozen.

Specifically, under the condition that the user U does not yet book, the credit score of the user U is smaller than the credit score threshold value, and the credit integral in the account in the credit of the user U is further determined to be 650 points;

based on this, a part of credit 10 out of 650 credits is frozen.

Step 226: detecting whether a user U performs in a preset time period; if yes, go to step 228; if not, go to step 230.

Specifically, the preset time period is a grace period provided by the library to the user U, and the grace user returns the book within 5 days;

based on this, it is detected whether the user U returns an unknown book within 5 days.

Step 228: unfreezing the partial credit points.

Specifically, if the user U returns a book to the library within 5 days, the frozen partial credit score 10 is defrosted.

Step 230: deducting part of credit points and updating the credit points of the user U.

Specifically, if the user U does not return the book to the library within 5 days, the frozen part of the credit points 10 is deducted, and the credit point of the user U is 640.

In addition, for the process of updating the credit points of the credit account of the library, reference may be made to the process of updating the credit points of the user U, which is not described herein again.

According to the method for processing the performance in the credit project, credit scores of the user and the library can be calculated respectively through performance behaviors of the user and the library, the credit score is updated through the credit score, the user and the library can be restrained in a credit score mode, the attention degree of the user and the library to the credit is improved, the positive performance behaviors of the user and the library can be promoted better, the user can select the library to borrow books according to the credit of the library in the process of borrowing the books, the library can also determine whether to borrow the books for the user according to the credit of the user, the user and the library can select one another, the phenomenon of fraud is avoided, and the user and the library can be restrained from positive performance through a credit mechanism.

Corresponding to the above method embodiment, the present application further provides an embodiment of a fulfillment processing apparatus in a credit project, and fig. 3 illustrates a schematic structural diagram of a fulfillment processing apparatus in a credit project according to an embodiment of the present application. As shown in fig. 3, the apparatus includes:

an acquire credit contract module 302 configured to acquire a credit contract that a contract-signing party of a credit item signed in during participation in the credit item;

a determine performance information module 304 configured to determine performance information of the contract contracting party in each performance dimension of the credit item by the credit contract;

a credit score calculation module 306 configured to calculate a credit score generated by the contract signing party participating in the credit item according to the contract terms recorded in the credit contract and the performance information of each performance dimension;

an update credit score module 308 configured to update a credit score of a credit account of the contract signing party based on the credit score.

In an alternative embodiment, the module 304 for determining fulfillment information includes:

In an alternative embodiment, the calculate credit score module 306 includes:

In an optional embodiment, the performance processing apparatus in the credit item further includes:

a credit contract determining template module configured to determine a credit contract template according to the item type to which the credit item belongs;

and the generation credit contract module is configured to acquire the credit contract generated after the contract signing party signs the credit contract template.

a get current credit score module configured to get a current credit score of the credit account;

and the credit information determining module is configured to determine the credit information of the credit account according to the current credit point and the preset credit information table, and determine the credit information of the credit account as the credit information of the contract signing party.

a credit rating determination module configured to determine a credit rating of the credit account from the credit information table;

a credit tagging module configured to tag credit for the credit account based on the credit rating.

a first determination module configured to determine whether the credit score is less than a first credit score threshold and greater than a second credit score threshold;

if yes, operating a sending module;

the sending module is configured to determine a delay period according to the credit points of the credit account and send a delay period prompt to the contract signing party under the condition that the contract signing party is detected to have the delay authority.

a second determination module configured to determine whether the credit score is less than the second credit score threshold;

if yes, operating the freezing module;

the freezing module configured to: freezing part of credit points of the credit account, and detecting whether the contract signing party performs on the credit contract within a preset time period;

running a defreezing module if the contract signer performs on the credit contract within the time period;

the unfreezing module is configured to unfreeze the part of credit points and send reminding information for performing according to the credit contract to the contract signing party;

running a deduction module if the contract signer does not perform on the credit contract within the time period;

the deduction module is configured to deduct the frozen part of credit points and update the credit points of the credit account.

running a pay amount information sending module under the condition that the credit score is the minimum value;

the sending claim amount information module is configured to send claim amount information to the contract signer according to the credit contract;

a deduction amount module configured to deduct a dividend amount from the credit account according to the dividend amount information.

The performance processing device in the credit project provided by the application realizes that the performance information can be effectively ensured to be determined based on the actual performance condition of the contract signing party by acquiring the credit contract signed by the contract signing party, determining the performance information of the contract signing party in each performance dimension of the credit project according to the credit contract, calculating the credit score of the contract signing party according to the contract terms recorded in the credit contract and the performance information of each performance dimension, realizing that the credit score can be calculated for the contract signing party aiming at different scenes of the credit project, and the calculation of the credit score of the contract signing party can be given at two different angles respectively by including the contract reward terms and the contract penalty terms in the credit contract, thereby improving the calculation accuracy of the credit score, finally, updating the credit score of the credit account according to the credit score, and visually reflecting the credit information of the contract signing party through the credit score; the method and the device have the advantages that the credit performance condition and default condition of all parties signing the credit contract can be recorded, the parties signing the credit contract can be mutually selected, the performance rate of the contract signing party is improved, and the action of positive performance of the contract signing party signing the credit contract is promoted.

The above is an illustrative scheme of a fulfillment processing apparatus in a credit project of this embodiment. It should be noted that the technical solution of the fulfillment processing apparatus in the credit project is the same as the technical solution of the fulfillment processing method in the credit project, and details of the technical solution of the fulfillment processing apparatus in the credit project, which are not described in detail, can be referred to the description of the technical solution of the fulfillment processing method in the credit project.

Fig. 4 shows a block diagram of a computing device 400 provided according to an embodiment of the present application. The components of the computing device 400 include, but are not limited to, a memory 410 and a processor 420. Processor 420 is coupled to memory 410 via bus 430 and database 450 is used to store data.

Computing device 400 also includes access device 440, access device 440 enabling computing device 400 to communicate via one or more networks 460. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 440 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an ieee 802.11 Wireless Local Area Network (WLAN) wireless interface, a global microwave interconnect access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the application, the above-described components of computing device 400 and other components not shown in FIG. 4 may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 4 is for purposes of example only and is not limiting as to the scope of the present application. Those skilled in the art may add or replace other components as desired.

Computing device 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 400 may also be a mobile or stationary server.

Wherein processor 420 is configured to execute the following computer-executable instructions:

determining the fulfillment information for the contract signer in each fulfillment dimension of the credit item according to the order information.

arranging the performance weights in a descending order, and giving a performance coefficient to each performance dimension according to the arrangement order;

Optionally, processor 420 is further configured to execute the following computer-executable instructions prior to execution of the credit contract instructions signed by the contract-maker to participate in the credit item:

Optionally, after the executing of the credit point instruction for updating the credit account of the contract signing party based on the credit score, the processor 420 is further configured to execute the following computer-executable instructions:

acquiring the current credit point of the credit account;

adding a credit label to the credit account based on the credit rating.

Optionally, after the execution of the credit scoring instruction generated by calculating the participation of the contract signing party in the credit item according to the contract terms recorded in the credit contract and the performance information of the respective performance dimensions, the processor 420 is further configured to execute the following computer-executable instructions:

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

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

acquiring the current credit point of the credit account;

adding a credit label to the credit account based on the credit rating.

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

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

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

It should be noted that, for the sake of simplicity, the above-mentioned method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present application is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present application disclosed above are intended only to aid in the explanation of the application. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the application and its practical applications, to thereby enable others skilled in the art to best understand and utilize the application. The application is limited only by the claims and their full scope and equivalents.

Claims

1. A method for performing in a credit program, comprising:

determining the performance information of a contract signing party aiming at the credit contract in different performance dimensions of the credit item;

updating credit points of a credit account of the contract contractor according to the fulfillment information, wherein the contract contractor includes the contracting party.

2. The method of performing in a credit project as recited in claim 1, wherein determining the performance information of a contract signing party for a credit contract at different performance dimensions of a credit project comprises:

3. The method of claim 1, wherein the updating the credit points of the credit account of the contract signing party according to the performance information comprises:

determining a performance weight of each performance dimension according to contract terms recorded in the credit contract;

calculating the product of the performance weight value and the performance coefficient of each performance dimension, and summing the product results as the credit score of the contract signing party participating in the credit item;

4. The method of performing in a credit project as recited in claim 1, wherein determining the performance information of a contract signing party for a credit contract at different performance dimensions of a credit project comprises:

5. The method of claim 1, wherein the updating the credit points of the credit account of the contract signing party according to the performance information comprises:

summing the reward credit score and the penalty credit score to determine a credit score for the contract signer to participate in the credit program;

6. The method of performing in a credit project as recited in claim 1, wherein the step of updating credit points of the credit account of the contracting subscriber according to the performance information is further performed by:

acquiring the current credit point of the credit account;

7. The method of claim 6, wherein the step of updating credit points of the credit account of the contract signing party according to the fulfillment information is performed, and further comprising:

adding a credit label to the credit account based on the credit rating.

8. The method of claim 3 or 5, wherein after the step of determining the credit score of the credit item participated by the contract signing party is executed, the method further comprises:

9. The method of claim 8, wherein the step of determining the credit score of the credit item participated by the contract contracting party is further performed, and further comprising:

10. A method of performing performance on a credit item according to claim 3 or 5, wherein the step of determining the credit score of the credit item for participation of the contract contracting party is performed, and further comprising:

11. A fulfillment processing apparatus in a credit project, comprising:

a determination performance information module configured to determine performance information of a contract signing party for a credit contract at different performance dimensions of a credit item;

an update credit point module configured to update credit points of a credit account of the contract signing party according to the performance information, wherein the contract signing party includes the contracting party.

12. The apparatus for performing in-credit-projects of claim 11, wherein the module for determining performance information comprises:

13. The apparatus of claim 11, wherein the means for updating credit points comprises:

a credit score calculation unit configured to calculate a product of the performance weight value and the performance coefficient of each performance dimension, and sum the product results as a credit score of the contract signing party participating in the credit item;

14. The apparatus for performing in-credit-projects of claim 11, wherein the module for determining performance information comprises:

15. The apparatus of claim 11, wherein the means for updating credit points comprises:

a second determination unit configured to determine, from the performance information of each performance dimension, contract performance information that the contract entering party performed the credit contract, and contract non-performance information that the contract entering party did not perform the credit contract;

a second computing unit configured to sum the reward credit score and the penalty credit score to determine a credit score for participation of the contract subscriber in the credit program;

16. The fulfillment processing apparatus as claimed in claim 11, wherein said update credit score module is further configured to:

acquiring the current credit point of the credit account;

17. The fulfillment processing apparatus of claim 16, wherein the update credit score module is further configured to:

adding a credit label to the credit account based on the credit rating.

18. The fulfillment processing apparatus of claim 13 or 15, wherein said update credit score module is further configured to:

19. The fulfillment processing apparatus of claim 18, wherein the update credit score module is further configured to:

20. The fulfillment processing apparatus of claim 13 or 15, wherein the update credit module is further configured to:

21. A computing device, comprising:

a memory and a processor;

updating credit points of a credit account of the contract signing party according to the performance information, wherein the contract signing party comprises an issuing party.

22. A computer-readable storage medium storing computer instructions, which, when executed by a processor, implement the steps of the fulfillment processing method in the credit project according to any one of claims 1 to 10.