WO2020098420A1 - 一种基于信用值的平台合约执行方法和装置 - Google Patents

一种基于信用值的平台合约执行方法和装置 Download PDF

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Publication number
WO2020098420A1
WO2020098420A1 PCT/CN2019/110179 CN2019110179W WO2020098420A1 WO 2020098420 A1 WO2020098420 A1 WO 2020098420A1 CN 2019110179 W CN2019110179 W CN 2019110179W WO 2020098420 A1 WO2020098420 A1 WO 2020098420A1
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user
predetermined
contract
rights
time
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PCT/CN2019/110179
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English (en)
French (fr)
Inventor
高一锦
黄天宇
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阿里巴巴集团控股有限公司
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Publication of WO2020098420A1 publication Critical patent/WO2020098420A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification

Definitions

  • the embodiments of the present specification relate to the technical field of business execution of a business platform, and more specifically, to a method and apparatus for platform contract execution based on credit value.
  • the credit contract is based on the user ’s use of his credit for guarantee.
  • the user Through the computer system, the user ’s credit behavior is collected to form a set of credit value standards, and this credit standard replaces currency or marketable securities or physical objects and acts as a deposit or collateral, making the A technical solution where a user establishes a contract with another user.
  • the use of credit value as a guarantee can replace the use of common general equivalents such as currency and securities in some original fields as a method of deposit and collateral.
  • the user and the merchant may establish a credit consumption contract based on the user's credit value.
  • the contract usually stipulates the amount that the user needs to spend at the merchant within a predetermined time period and the discount the user enjoys when making the consumption. However, in this case, the consumption quota stipulated in the contract may be too difficult for an individual user to complete and the resources are excessive.
  • the embodiments of the present specification aim to provide a more effective execution scheme of credit contracts to solve the deficiencies in the prior art.
  • one aspect of this specification provides a contract execution method, the contract is signed and submitted to the server of the business platform based on its credit value by the first user in the business platform, wherein the contract stipulates that The predetermined transaction to be completed by the first user in a predetermined period of time and the rights and interests acquired when performing the predetermined transaction, the method is executed on the server side and includes:
  • the authorization allowing the at least one second user to jointly participate in the predetermined time period Conducting the predetermined transaction, and allowing the at least one second user to obtain the rights and interests when performing the predetermined transaction;
  • the contract stipulates a maximum number of the at least one second user.
  • the contract stipulates the maximum number of times each second user performs the predetermined transaction within the predetermined time period.
  • the method further includes, before setting respective permissions of the at least one second user based on the authorization, separately asking the at least one second user whether to accept the authorization, wherein based on the Authorization to set respective permissions of the at least one second user includes setting permissions based on the authorization to a second user of the at least one second user who accepts the authorization.
  • the method further includes, after setting respective permissions of the at least one second user based on the authorization, notifying the at least one second user.
  • the method further includes, after setting respective permissions of the at least one second user based on the authorization, within the predetermined period of time, to the first user and the at least one second user The user sends reminders to remind the relevant information of the predetermined transaction.
  • the method further includes, after setting respective permissions of the at least one second user based on the authorization, within the predetermined period of time, between the first user and the at least one second After any one of the users performs the predetermined transaction, a corresponding record is made.
  • the contract is signed by the first user and the business platform and a third user in the business platform, wherein the first user and the at least one second user are in the reservation
  • a return request for rights and interests is sent to the terminal of the first user to request the first user to return the first user and the third user to the third user within a predetermined period
  • the contract is signed by the first user and the business platform and a third user in the business platform, wherein the first user and the at least one second user are in the reservation If the predetermined transaction is not completed in the time period, send a rights return request to the terminal of the first user to request the first user to return the first user and the at least one second to the service platform The rights or their equivalent resources that the user has acquired, so that the business platform sends the returned rights or their equivalent resources to the third user.
  • the contract is signed by the first user and the business platform, when the first user and the at least one second user have not completed the predetermined transaction in the predetermined time period
  • a benefit return request is sent to the terminal of the first user to request the first user to return to the service platform the rights and interests that the first user and the at least one second user have acquired or their equivalent Resources.
  • the method further includes determining whether the first user returns the first user and the at least at the end of a predetermined period from the time when the request to return the rights to the terminal of the first user is sent The rights or their equivalent resources that a second user has acquired, in the case that the first user does not return the rights or their equivalent resources within the predetermined period, a credit penalty is imposed on the first user.
  • the credit penalty to the first user includes at least one of the following:
  • the method further includes, in the case where the first user and the at least one second user complete the predetermined transaction in the predetermined period of time, increasing the credit value of the first user .
  • the predetermined transaction is consumption of a predetermined amount through the business platform.
  • Another aspect of this specification provides a contract execution device, the contract is signed by a first user in a business platform based on its credit value and submitted to a server of the business platform, wherein the contract stipulates that the first user is The predetermined transaction to be completed in a predetermined period of time and the rights and interests acquired when the predetermined transaction is performed, the device is implemented on the server side, including:
  • the receiving unit is configured to receive, from the terminal of the first user, an authorization of the first user to at least one second user in the service platform based on the contract, the authorization allowing the at least one second user to Participating in conducting the predetermined transaction within the predetermined period of time, and allowing the at least one second user to obtain the rights and interests when performing the predetermined transaction;
  • a setting unit configured to set respective permissions of the at least one second user based on the authorization
  • the first determining unit is configured to, at the end of the predetermined period of time, determine whether the first user and the at least one second user complete the predetermined transaction in the predetermined period of time;
  • a request unit configured to, in the case where the first user and the at least one second user have not completed the predetermined transaction in the predetermined period of time, send a return request for rights to the terminal of the first user, To request the first user to return the rights or their equivalent resources that the first user and the at least one second user have acquired.
  • the apparatus further includes an inquiry unit configured to, before setting respective permissions of the at least one second user based on the authorization, separately inquire whether the at least one second user accepts the authorization,
  • the setting unit is further configured to set the authority to the second user who accepts the authorization based on the authorization.
  • the apparatus further includes a notification unit configured to notify the at least one second user after setting respective permissions of the at least one second user based on the authorization.
  • the device further includes a reminder unit configured to, after setting respective permissions of the at least one second user based on the authorization, within the predetermined period of time, to the first user and all The at least one second user sends reminders to remind the relevant information of the predetermined transaction.
  • the apparatus further includes a recording unit configured to, after setting respective permissions of the at least one second user based on the authorization, within the predetermined period of time, between the first user and the user After any one of the at least one second user performs the predetermined transaction, a corresponding record is made.
  • the contract is signed by the first user and the business platform and a third user in the business platform, wherein the request unit is further configured to, between the first user and the at least When a second user fails to complete the predetermined transaction within the predetermined period of time, a return request for rights and interests is sent to the terminal of the first user to request the first user to return to the third user within a predetermined period
  • the contract is signed by the first user and the business platform and a third user in the business platform, wherein the request unit is further configured to, between the first user and the at least When a second user fails to complete the predetermined transaction in the predetermined period of time, a return request for rights and interests is sent to the terminal of the first user to request the first user to return the first transaction to the service platform The rights or their equivalent resources that the user and the at least one second user have acquired, so that the service platform sends the returned rights or their equivalent resources to the third user.
  • the contract is signed by the first user and the business platform, wherein the requesting unit is further configured that the first user and the at least one second user If the predetermined transaction is not completed in the time period, send a rights return request to the terminal of the first user to request the first user to return the first user and the at least one second to the service platform The rights or their equivalent resources that the user has acquired.
  • the apparatus further includes a second determining unit configured to determine whether the first user returns the The rights or their equivalent resources that the first user and the at least one second user have acquired. And a credit punishment unit configured to, in the case where the first user does not return the rights or their equivalent resources within the predetermined period, perform a credit punishment on the first user.
  • the apparatus further includes a credit reward unit configured to increase the number of the first user and the at least one second user in the case where the predetermined transaction is completed in the predetermined period of time.
  • the credit value of the first user is not limited to a credit reward unit.
  • Another aspect of this specification provides a computing device, including a memory and a processor, wherein the memory stores executable code, and when the processor executes the executable code, any of the above methods is implemented.
  • the mutual benefit of the contracted users, platforms, merchants and other parties is realized, which effectively promotes the user's utilization rate of the platform, the consumption amount at the merchant, the merchant's Propaganda, etc.
  • FIG. 1 shows a schematic diagram of a contract execution system 100 according to an embodiment of this specification
  • Figure 3 shows a schematic diagram of the contract content display interface
  • Figure 4 shows a schematic diagram of the contract execution page
  • Figure 5 shows a schematic diagram of the authorization interface
  • Figure 6 shows a schematic diagram of the interface for the return of rights and interests
  • FIG. 7 shows a schematic diagram of business interaction in the scenario of a resource sharing platform
  • FIG. 8 shows a schematic diagram of business interaction in the scenario of a payment platform
  • FIG. 9 shows a contract execution device 900 according to an embodiment of this specification.
  • FIG. 1 shows a schematic diagram of a contract execution system 100 according to an embodiment of this specification.
  • the system 100 may include a server 11, a network 12, a mobile phone 13-14, a computer 15, and so on.
  • the server 11 may be a physical server including an independent host, or the server 11 may be a virtual server carried by a host cluster; the server 11 may carry a business platform in this specification, for example, the business platform may be a payment platform.
  • the mobile phone 13 is, for example, a terminal used by a first user, and the mobile phone 14 is, for example, a terminal used by a second user.
  • the mobile phone 13-14 runs a client.
  • the client can implement the technical solution of this specification with the first user or Business functions related to the second user, of which the first user and the second user can be individuals or enterprises; of course, in addition to mobile phones 13-14, the first user or the second user can also use computers, tablet devices, notebooks Computers, PDAs, wearable devices (such as smart glasses, smart watches, etc.) and other types of electronic devices, this manual does not limit this.
  • the computer 15 may be an electronic device used by a third user.
  • the computer 15 runs a client 2 that can implement business functions related to the second user in the technical solution of this specification, where the second user may be a merchant
  • the third user can also use other types of electronic devices such as mobile phones, tablet devices, laptops, PDAs, wearable devices (such as smart glasses, smart watches, etc.), this manual is not correct This is restricted.
  • the mobile phones 13-14, the computer 15 and the server 11 interact through a network 12, which may include various types of wired or wireless networks.
  • the network 12 may include a public switched telephone network (Public Switched Telephone Network, PSTN) and the Internet.
  • PSTN Public Switched Telephone Network
  • a merchant ie, a third user
  • the first user signs the contract on the platform through the mobile phone 13 and submits it to the platform server.
  • the contract stipulates the scheduled transaction to be completed by the first user within a predetermined period of time and the rights and interests.
  • the contract is a consumption contract.
  • the contract stipulates that the first user needs to spend 200 yuan at the merchant through the platform between 2018.12.01-2018.12.14. During this period, each purchase of the first user You can enjoy a 20% discount.
  • the contract stipulates that the first user may authorize up to three friends to participate in the contract.
  • the first user authorizes the second user to participate in the contract, that is, the second user's consumption at the merchant through the platform during the time period can be counted in the amount of 200 yuan, while enjoying a 20% discount.
  • the server 11 After the end of the predetermined period, if the total consumption of the first user and the second user in the merchant reaches 200 yuan within the predetermined period, the server 11 will increase the credit value of the first user.
  • the server 11 will prompt the first user to return the rights and interests enjoyed by the first user and the second user to the merchant within the specified time period (i.e. Describe the amount corresponding to the 20% discount). If the first user does not return the rights and interests within the specified time period, the server 11 may impose a credit penalty on the first user, for example, deduct the credit value of the first user, and so on.
  • the system 100 shown in FIG. 1 is only exemplary and not restrictive.
  • the system 100 may include multiple terminals of other users.
  • the business platform is not limited to a payment platform, and it may also be a resource sharing platform, a trading platform, and so on, for example.
  • FIG. 2 shows a contract execution method according to an embodiment of the present specification.
  • the contract is signed and submitted to the server of the business platform based on its credit value by the first user in the business platform, wherein the contract stipulates that The predetermined transaction to be completed by the first user in a predetermined period of time and the rights and interests acquired when performing the predetermined transaction, the method is executed on the server side and includes:
  • step S202 an authorization of the first user to at least one second user in the business platform based on the contract is received from the terminal of the first user, the authorization allows the at least one second user to Participating in the predetermined transaction together during the time period, and allowing the at least one second user to obtain the rights and interests when performing the predetermined transaction;
  • step S204 set respective permissions of the at least one second user based on the authorization
  • step S206 at the end of the predetermined period of time, it is determined whether the first user and the at least one second user complete the predetermined transaction in the predetermined period of time;
  • step 208 in the case where the first user and the at least one second user have not completed the predetermined transaction in the predetermined period of time, send a benefit refund request to the terminal of the first user to request all
  • the first user returns the rights or their equivalent resources that the first user and the at least one second user have acquired.
  • step S202 an authorization of the first user to at least one second user in the business platform based on the contract is received from the terminal of the first user, and the authorization allows the at least one second user to Participating in conducting the predetermined transaction within the predetermined period of time, and allowing the at least one second user to obtain the rights and interests when performing the predetermined transaction.
  • the platform may be, for example, various business platforms such as a resource sharing platform, a trading platform, and a payment platform.
  • the specific content of the contract signed by the first user is correspondingly different, and the predetermined transaction and the rights and interests are also correspondingly different.
  • the platform is, for example, a data sharing platform
  • the contract may be initiated by the platform (eg, publishing an activity page), and signed by the first user based on their credit value (eg, clicking on the activity OK button on the page).
  • the credit value can be generated by the platform itself, or can be obtained from any credit management platform.
  • the platform may set that the first user can participate in the signing of the contract only when the credit value is higher than a predetermined value.
  • the predetermined transaction is, for example, that the amount of data shared (uploaded) by the first user in the data exchange with the platform within a predetermined month (for example, December 2018) should reach at least 10G.
  • the data exchange is that the first user obtains the download right for the data in the platform by sharing the data in the terminal with the platform.
  • the platform stipulates that users can download 1G data from the platform by sharing 1G data with the platform.
  • the contract for example, it can be stipulated that each time the first user shares data with the platform during this period, in addition to downloading the same amount of data from the platform, he can also obtain a gift of 1/5 of the amount of shared data
  • the amount of downloaded data that is, the rights and interests acquired by the first user through the credit contract is the amount of donated download data.
  • the agreement also stipulates that the first user may authorize, for example, up to three other users to participate in the execution of the contract.
  • the first user can authorize the second user to participate in the contract by clicking the authorization button in the active page (or contract page) on his mobile client. After clicking the button, the first user will send the authorization information to the platform server.
  • This authorization allows the second user to enjoy the right to receive 1/5 of the free downloads when sharing data on the platform in December 2018.
  • the second user ’s data sharing amount (upload data amount) is included in the A user's agreed upload volume (ie 10G).
  • the contract also stipulates that the second user can only participate in the contract once, that is, the shared data volume can only be included in the agreed sharing volume in one data exchange in December, and In this data exchange, you can enjoy the right to download the platform as one-fifth of the data sharing volume.
  • the second user can help the first user to complete their agreed data upload volume based on their data resources to incentivize the data of the first user and the second user Sharing behaviors, so that the data can be effectively shared in the sharing platform.
  • the contract may be a contract between the payment platform, the first user and the third user (the merchant in the platform).
  • the contract is a consumption contract.
  • the predetermined transaction is, for example, the first user needs to spend 200 yuan at the merchant through the payment platform between 2018.12.01 and 2018.12.14.
  • the first user can enjoy a 20% discount on every purchase made by the merchant.
  • the contract also stipulates that the first user may authorize up to three users to participate in the contract, and the authorized user ’s consumption at the merchant through the platform during the time period may be counted in the amount of 200 yuan , At the same time can enjoy 20% discount.
  • the contract also stipulates that the authorized user can only participate in the predetermined transaction 2 times, that is, the authorized user can only enjoy 20% off on the merchant's 2 consumptions through the payment platform during this period Offers.
  • the first user for example, authorizes the second user to participate in the contract on his client. After the authorization, the first user client sends the authorization information to the platform server.
  • the first user does not need to recharge the consumer card in advance at the merchant to avoid the loss of the first user's property due to the closure of the merchant.
  • the merchant can lock the first user's consumption amount in advance based on the above commitment .
  • the first user authorizes the second user to complete their quota and enjoy discounts at the same time, avoiding the first user ’s excess resources and making the second user It also enjoys preferential treatment, and also promotes the merchant to the second user, thereby achieving mutual benefit for multiple parties.
  • FIG. 3 shows a schematic diagram of the contract content displayed by the payment platform to the first user through the first user terminal APP.
  • the buyer can browse the contract display interface on the payment platform, for example, to display the credit contract issued by the merchant, so that the buyer can determine the rights and needs to be completed after participation. Obligations; among them, the rights can include the enjoyment of discounts (20% off), and the obligations can include "accumulated purchases of over 200 yuan during the period from December 12, 2018 to December 14, 2018", and "if the consumption is less than 200 yuan during the period, the discount shall be refunded Amount ". Among them, when the buyer clicks the "Confirm Participation" option in the interface, it is determined to sign the contract.
  • the interface may also include a "credit contract specific rules" option to show the user reward and punishment rules based on credit value after clicking, for example, in the case where the first user does not refund the discount amount , Deduct the credit value of the first user, and so on.
  • a "credit contract specific rules" option to show the user reward and punishment rules based on credit value after clicking, for example, in the case where the first user does not refund the discount amount , Deduct the credit value of the first user, and so on.
  • the APP may generate a contract execution page as shown in FIG. 4, for example, the contract execution page shows the merchant name, the beginning and end time of the predetermined period, and what needs to be reached Information such as consumption, discounts, etc.
  • the contract execution page also includes an option to "invite friends". After the first user selects a friend (for example, a second user) from the pop-up friend list by clicking this option, the APP may pop up as shown in Figure 5.
  • Authorization interface the contract execution page shown in FIG. 4 may also include transaction records for the first user and the second user within the predetermined period of time.
  • the transaction record includes, for example, transaction time, transaction id, transaction payment amount, preferential amount and other information. As shown in FIG.
  • the interface shows that after the first user determines to invite the second user, the right owned by the second user (can enjoy a 20% discount on one in-store purchase during the time period, the amount of this purchase Included in the amount of 200 yuan), and the obligations of the first user (during the period of time, when the first user's 200 yuan limit is not reached, the second user's discount discount amount is also included in the first user's discount discount amount in).
  • the APP sends the authorization of the first user to the second user to the server.
  • the transaction between the first user and the merchant is an offline transaction
  • the merchant is a merchant in a physical store, which can introduce the activities related to the contract to the first user in person , And prompts the first user to enter the platform through his mobile phone to participate in the contract.
  • the merchant of the physical store may also urge the first user to participate in the contract by publishing an activity on the payment platform.
  • the first user prompts the first user to consume at the merchant, and prompts the first user to pay through the payment platform when the merchant consumes.
  • the second user is also prompted to consume at the merchant and pay through the payment platform.
  • the transaction between the first user and the merchant is an online transaction
  • the merchant is a merchant in a trading platform
  • the merchant may publish the payment platform ’s An activity page corresponding to the contract to prompt the first user in the trading platform to sign the contract.
  • the first user may authorize the second user in the transaction platform to participate in the contract, thereby facilitating the consumption of the first user and the second user at the merchant, and the use of the payment platform by the first user and the second user.
  • the predetermined time period may be a fixed time period defined by a set start time and end time, for example, the start time is June 10, 2018, and the end time is July 9, 2018,
  • the scheduled time period is from June 10, 2018 to July 9, 2018.
  • the predetermined time period may be a non-fixed time period of a preset duration, for example, when the preset duration is 1 month, assuming that the first user sends information to the business platform on June 10, 2018, the predetermined period of time may be It is within one month from June 10, 2018, and it is assumed that the first user sends information to the business platform on July 12, 2018. The predetermined time period may be within one month from July 12, 2018.
  • the rights and interests are all discounts for resources (such as the amount of uploaded data, cash, etc.) paid by the first user.
  • the rights and interests are not limited to discounts.
  • the rights and interests may also be high-speed download rights and high-speed upload rights donated by the platform, etc.
  • the rights and interests may also be other commodities presented by merchants Free mail and other rights.
  • the predetermined transactions are all predetermined transactions performed through the platform, however, the predetermined transactions are not limited to being completed through the platform.
  • the platform may be a credit management platform.
  • Merchants with physical stores may contract with the credit management platform to conduct marketing activities based on credit contracts.
  • the credit management platform may grant permissions to users in the form of QR codes, for example.
  • a user or a second user does not need to pay through the credit management platform when the merchant is spending, but can use any payment method, and they can enjoy the discount as long as the QR code is presented.
  • the platforms are a resource sharing platform, a payment platform, and a credit management platform.
  • the platform is not limited to the above example platforms, but may be various other platforms. For example, it may also be Trading platforms, etc., are not listed here.
  • step S204 the respective permissions of the at least one second user are set based on the authorization.
  • the authority that is, the authority granted to each second user by the authorization, includes: allowing the at least one second user to jointly participate in the predetermined transaction within the predetermined period of time, and allowing the at least one second user to Obtain the rights and interests when performing the predetermined transaction.
  • the authority may also include the maximum number of times that the contracted second user can participate in the predetermined transaction, and so on.
  • the second user's authority may be set to count the second user's upload data volume into the first user's 10G when the second user exchanges data with the platform within the predetermined period of time
  • the action of exchanging data can be regarded as performing the predetermined transaction
  • the second user is exchanging data, he can obtain the rights and interests stipulated in the first user contract, that is, obtain the uploaded data
  • One-fifth of the amount of the platform gives away the amount of download data.
  • the second user ’s upload data amount is included in the A user's 10G upload data quota.
  • the authority of the second user may be set to consume the second user at the merchant when the second user spends at the merchant within a predetermined period of time The amount is included in the amount of the first user's contract (ie, 200 yuan). At the same time, the second user's consumption enjoys the rights and interests stipulated in the first user's contract, that is, enjoys a 20% discount on the consumption.
  • the respective rights of the second user include setting rights based on the authorization to the second user who accepted the authorization among the at least one second user.
  • the second user may want to participate in the contract signed by himself, that is, he has the amount of consumption that he needs to complete, so he does not want to include the amount of his consumption in the merchant into the agreement of the first user In the quota, in this case, the second user may refuse the authorization after the server asks whether to accept the authorization of the first user.
  • the at least one second user is notified. After notifying the at least one second user of the authorization, the second user is notified that he has a preferential right, thereby prompting the second user to perform the predetermined transaction.
  • a reminder is sent to the first user and the at least one second user, respectively, to Remind the relevant information of the scheduled transaction. For example, in the case where the contract limits the number of times that the second user participates in the predetermined transaction, the second user may be reminded of the remaining number of times the predetermined transaction is performed, the remaining time of the predetermined period, and so on.
  • the reminder may be sent at a certain frequency, for example, it may be sent once a week.
  • the server after setting respective permissions of the at least one second user based on the authorization, when the second user terminal triggers a call to the permission, the server sends a call to the second user terminal The result of the permission.
  • the server executes the corresponding program after the trigger, that is, the second user's The consumption amount is counted in the agreed amount of the first user, and the discount price is returned to the second user terminal so that the second user determines the payment. Therefore, the second user can participate in the predetermined transaction agreed in the contract and enjoy the rights and interests agreed in the contract.
  • step S206 at the end of the predetermined period of time, it is determined whether the first user and the at least one second user have completed the predetermined transaction in the predetermined period of time.
  • the first user and at least one second user exchange data every time within the predetermined period of time
  • the platform will record the amount of data uploaded by the user during the data exchange and accumulate these amounts of data.
  • the platform may automatically acquire the accumulated data amount to determine whether the accumulated data amount reaches the contracted data amount (ie 10G), that is, to determine whether to complete the predetermined transaction.
  • the platform will record the consumption amount of the consumption (such as the actual consumption amount after discount), and accumulate these consumption amounts.
  • the platform can automatically obtain the accumulated amount to determine whether the contracted amount (ie, 200 yuan) is reached, that is, to determine whether to complete the predetermined transaction.
  • the information management platform cannot directly obtain the amount of data consumed by the first user or the second user at the merchant.
  • the first user and at least one second user can upload the consumed ticket to the platform
  • the platform determine whether the first user and at least one second user have completed the predetermined transaction.
  • step 208 in the case where the first user and the at least one second user have not completed the predetermined transaction in the predetermined period of time, send a benefit refund request to the terminal of the first user to request all
  • the first user returns the rights or their equivalent resources that the first user and the at least one second user have acquired.
  • the contract is a three-party contract jointly signed by the first user, the platform, and the merchant, and it is determined that the first user and the at least one second user are within the predetermined time period
  • the responsibility for breach of contract of the contract is borne by the first user alone.
  • the first user should return the first user and the at least one second user to the merchant through the payment platform
  • the right is, for example, a discount, so the right can be returned directly through the payment platform.
  • the server may determine the equivalent amount of the merchandise, merchandise, and service, and request the first user to return the first user and at least one second user The equivalent amount of all gifts and services provided. Since the first user returns the amount of the merchant through the payment platform, the payment platform can learn whether the first user returns the money, and thus perform corresponding credit management on the first user.
  • FIG. 6 shows a schematic diagram of a request interface displayed by the first user ’s APP to the first user to return the rights and interests.
  • the payment platform may send the first user the request shown in FIG. 6, and the request may inform the first user of their participation Information about discount activities, reasons for the return of benefits, and the amount of discounts received.
  • the first user can refund the rights and interests by triggering the "refund offer" option in the request interface.
  • the contract is signed by the first user and the platform, and the first user and the at least one second user have not
  • the platform server sends a benefit return request to the terminal of the first user to request the first user to return the first user and the at least one second user to the service platform
  • the acquired rights or their equivalent resources For example, the first user is requested to upload to the platform the same amount of data as the gift downloads that the first user and the second user have acquired within a predetermined period of time, or the first user is requested to transfer cash equivalent to the equivalent amount of data to the platform and many more.
  • the contract is signed by the first user and the trading platform and a third user in the trading platform, where the first user and When the at least one second user fails to complete the predetermined transaction in the predetermined period of time, sends a benefit refund request to the terminal of the first user to request the first user to return the platform to the platform.
  • the transaction platform transfers the returned rights between the first user and the merchant, so that the trading platform can know whether the first user has returned the rights and interests, so as to perform credit management on the first user.
  • the platform may set a grace period for the return of equity, such as one month from the request for return of equity issued by the platform. After the end of the grace period, the platform server determines whether the first user returns the rights or their equivalent resources that have been acquired by the first user and the at least one second user. In the case where the rights or their equivalent resources are not returned within a predetermined period, a credit penalty is imposed on the first user.
  • the credit penalty may include deducting the credit value of the first user; when the business platform maintains the credit value of the first user by itself, the business platform may directly deduct the credit value of the first user, and when the first user ’s credit value When the credit value is maintained by the credit management platform, the business platform may feedback to the credit management platform, so that the credit management platform deducts the credit value of the first user.
  • the credit punishment may include limiting the business participation authority of the first user, so that the first user cannot subsequently participate in the signing of a credit contract based on this specification.
  • the credit punishment may include marking the first user as an untrustworthy person, and may also share the recorded information of the untrustworthy person to other platforms, which will adversely affect the first user in the subsequent process.
  • the credit punishment may include marking the first user as an untrustworthy person, and may also share the recorded information of the untrustworthy person to other platforms, which will adversely affect the first user in the subsequent process.
  • other forms of credit punishment can also be adopted, or multiple credit punishment methods can be used at the same time, and this specification does not limit this.
  • the server may actively correspond from the first user
  • the user resource pool of is deducted resources equivalent to the rights and interests acquired by the first user and the at least one second user to return the rights and interests.
  • the resource pool of the first user may be the data to be downloaded held by the first user, and the resource sharing platform may delete a certain amount of data according to the download order of the data or the default order, as a One user penalty.
  • the user resource pool may be the account of the first user, and the payment platform has the deduction authority (the first user may grant the deduction authority to the business platform when committing to the business platform)
  • the funds corresponding to the difference resources can be directly deducted from the account and transferred to the account of the second user.
  • a credit reward for the first user may be performed, for example, increasing the The credit value of the first user.
  • step 701 the first user signs a data exchange contract with the platform through his terminal.
  • the contract stipulates that the first user needs to perform at least a predetermined data upload amount of data exchange with the platform server within a predetermined period, and stipulates that the first user can obtain a predetermined percentage of the data upload amount during the data exchange Free download data volume.
  • the first user sends an authorization for at least one second user to the server, the authorization allows the second user to participate in the contract, that is, when the second user uploads data on the platform, the data upload volume meter Into the predetermined data upload volume in the contract, and at the same time, the second user can receive the same proportion of free download data volume on the platform.
  • the server issues an inquiry request to the second user terminal to inquire whether the second user accepts the authorization of the first user.
  • the second user may reply to the query of the server. For example, the second user responds to the authorization by clicking the "Yes" option on the query interface.
  • the server sets permissions for the second user based on the agreement in the contract.
  • the server notifies the second user of the rights he enjoys.
  • the first user exchanges data with the platform and receives a download data amount.
  • the first user uploads 5G data to the platform.
  • the first user can receive a data amount of 1G, for example, according to the contract, that is, the first user can download A total of 6G of data.
  • the server records the data upload volume of the first user. In one embodiment, the server may accumulate the total data upload amount of the first user based on the data upload amount.
  • the second user exchanges data with the platform and receives a download data amount. For example, after the second user uploads 5G data to the platform, the server is triggered to call the right of the second user, thereby determining that the second user receives a download amount of 1G data, thereby notifying the second user that a total amount of 6G data can be downloaded.
  • the server records the data upload volume of the second user. In one embodiment, the server may accumulate the total data upload amount of the first user based on the data upload amount of the second user.
  • the server confirms whether the total amount of data upload reaches the predetermined data amount. For example, the server obtains the total data upload amount by accumulating the data upload amounts of the first user and the second user within the predetermined period of time recorded above. In one embodiment, the server directly obtains the total data upload amount through the total data upload amount accumulated when the data upload amount is recorded. Therefore, it is confirmed whether it reaches the predetermined data amount based on the total data upload amount. In step 712, when the total amount of data uploading does not reach the predetermined amount, a right return request is sent to the first user.
  • the first user is requested to upload to the platform the same amount of data as the gift downloads that the first user and the second user have acquired within a predetermined period of time, or the first user is requested to transfer cash equivalent to the equivalent amount of data to the platform and many more.
  • the platform may set a refund grace period, and at the end of the grace period, the platform may confirm the return of the rights and interests of the first user.
  • a corresponding credit penalty may be imposed on the first user, such as deduction of credit value.
  • FIG. 8 shows a schematic diagram of business interaction in the scenario of a payment platform.
  • the first user signs a consumption contract with the platform and the merchant through his terminal.
  • the contract stipulates that the first user needs to consume a predetermined amount of money at the merchant through the payment platform within a predetermined period of time, and it is agreed that the first user can enjoy a predetermined discount when spending at the merchant within the predetermined period of time.
  • the first user sends an authorization for at least one second user to the server, the authorization allows the second user to participate in the contract, that is, when the second user makes a purchase at the merchant, the consumption amount is included in the In the predetermined amount, the second user can also enjoy the predetermined discount.
  • step 803 the server issues an inquiry request to the second user terminal to inquire whether the second user accepts the authorization of the first user.
  • the second user may reply to the query of the server.
  • step 805 the server sets permissions for the second user based on the agreement in the contract.
  • step 806 the server notifies the second user of the rights he enjoys.
  • the first user consumes at the merchant within a predetermined period of time, and he obtains the discount when paying through the payment platform.
  • the merchant is a merchant in the trading platform
  • the first user submits an order for the merchant in the trading platform, and selects the payment platform to pay, so that the authority of the first user is called in the payment platform server, and the payment platform is in accordance with the contract Of the contract directs the first user terminal to return the actual payment amount after the first user enjoys the discount, so that the first user makes the payment after confirmation.
  • the server records the actual payment amount of the first user. In one embodiment, the server may accumulate the first user's total payment based on the payment amount.
  • the second user makes consumption at the merchant within a predetermined period of time, and obtains the discount when paying through the payment platform.
  • the merchant is a merchant in the trading platform
  • the second user submits an order for the merchant in the trading platform, and selects the payment platform for payment, so that the authority of the second user is called in the payment platform server.
  • the authorization authority of the two users returns to the second user terminal the actual payment amount after the second user enjoys the discount, so that the second user makes the payment after confirmation.
  • the server records the actual payment amount of the second user. In one embodiment, the server may accumulate the first user's total payment based on the payment amount.
  • step 811 at the end of the predetermined period, the server confirms whether the total payment amount reaches the predetermined amount. For example, the server obtains the total payment amount by accumulating the payment amounts of the first user and the second user within the predetermined period recorded above. In one embodiment, the server directly obtains the total payment amount through the value accumulated when the payment amount is recorded. Therefore, it is confirmed whether it reaches the predetermined amount based on the total payment.
  • step 812 when the total payment amount does not reach the predetermined amount, a preferential refund request is sent to the first user. For example, the first user is requested to return to the merchant the discount amount that the first user and the second user have enjoyed within a predetermined period of time.
  • the platform may set a refund grace period, and at the end of the grace period, the platform may confirm the preferential refund status of the first user.
  • the corresponding credit punishment may be imposed on the first user, such as deduction of credit value.
  • FIG. 9 shows a contract execution apparatus 900 according to an embodiment of the present specification.
  • the contract is signed and submitted to the server of the business platform based on its credit value by the first user in the business platform, wherein the contract stipulates that The predetermined transaction to be completed by the first user in a predetermined period of time and the rights and interests acquired when the predetermined transaction is performed, the device implemented on the server side includes:
  • the receiving unit 901 is configured to receive, from the terminal of the first user, an authorization of the first user to at least one second user in the service platform based on the contract, the authorization allowing the at least one second user to Participating in the predetermined transaction together during the predetermined period of time, and allowing the at least one second user to obtain the rights and interests when performing the predetermined transaction;
  • the setting unit 902 is configured to set respective permissions of the at least one second user based on the authorization
  • the first determining unit 903 is configured to, at the end of the predetermined period of time, determine whether the first user and the at least one second user complete the predetermined transaction in the predetermined period of time;
  • the requesting unit 904 is configured to, in the case where the first user and the at least one second user have not completed the predetermined transaction within the predetermined period of time, send a rights refund request to the terminal of the first user, To request the first user to return the rights or their equivalent resources that the first user and the at least one second user have acquired.
  • the apparatus further includes an inquiry unit 905 configured to, before setting respective permissions of the at least one second user based on the authorization, separately inquire whether the at least one second user accepts the authorization ,
  • the setting unit is further configured to set authority to a second user who accepts the authorization among the at least one second user based on the authorization.
  • the apparatus further includes a notification unit 906 configured to notify the at least one second user after setting respective permissions of the at least one second user based on the authorization.
  • the device further includes a reminder unit 907 configured to, after setting respective permissions of the at least one second user based on the authorization, within the predetermined period of time, to the first user and The at least one second user respectively sends reminders to remind the related information of the predetermined transaction.
  • a reminder unit 907 configured to, after setting respective permissions of the at least one second user based on the authorization, within the predetermined period of time, to the first user and The at least one second user respectively sends reminders to remind the related information of the predetermined transaction.
  • the apparatus further includes a recording unit 908 configured to, after setting respective permissions of the at least one second user based on the authorization, within the predetermined period of time, the first user and After any one of the at least one second user performs the predetermined transaction, a corresponding record is made.
  • the contract is signed by the first user and the business platform and a third user in the business platform, wherein the request unit is further configured to, between the first user and the at least When a second user fails to complete the predetermined transaction within the predetermined period of time, a return request for rights and interests is sent to the terminal of the first user to request the first user to return to the third user within a predetermined period
  • the contract is signed by the first user and the business platform and a third user in the business platform, wherein the request unit is further configured to, between the first user and the at least When a second user fails to complete the predetermined transaction in the predetermined period of time, a return request for equity is sent to the terminal of the first user to request the first user to return the first transaction to the service platform The rights or their equivalent resources that the user and the at least one second user have acquired, so that the service platform sends the returned rights or their equivalent resources to the third user.
  • the contract is signed by the first user and the business platform, wherein the requesting unit is further configured that the first user and the at least one second user If the predetermined transaction is not completed in the time period, send a rights return request to the terminal of the first user to request the first user to return the first user and the at least one second to the service platform The rights or their equivalent resources that the user has acquired.
  • the apparatus further includes a second determining unit 909 configured to determine whether the first user returns the e-mail at the end of a predetermined period from the time when the right-return request is sent to the terminal of the first user
  • the rights or equivalent resources that the first user and the at least one second user have acquired and a credit punishment unit 910, configured to not return the rights or the rights or interests within the predetermined period of time by the first user In the case of equivalent resources, a credit penalty is imposed on the first user.
  • the device further includes a credit reward unit 911 configured to increase the number of times that the first user and the at least one second user complete the predetermined transaction in the predetermined period of time Describe the credit value of the first user.
  • a credit reward unit 911 configured to increase the number of times that the first user and the at least one second user complete the predetermined transaction in the predetermined period of time Describe the credit value of the first user.
  • Another aspect of this specification provides a computing device, including a memory and a processor, wherein the memory stores executable code, and when the processor executes the executable code, any of the above methods is implemented.
  • the mutual benefit of the contracted users, platforms, merchants and other parties is realized, which effectively promotes the user's utilization rate of the platform, the consumption amount at the merchant, the merchant's Propaganda, etc.
  • RAM random access memory
  • ROM read-only memory
  • electrically programmable ROM electrically erasable and programmable ROM
  • registers hard disks, removable disks, CD-ROMs, or all fields of technology. Any other known storage medium.

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Abstract

一种合约执行方法和装置，所述合约由业务平台中的第一用户基于其信用值签署并提交至业务平台的服务器，所述合约中约定了所述第一用户在预定时段中待完成的预定事务、及在进行所述预定事务时获取的权益，所述方法在所述服务器端执行，包括：从所述第一用户的终端接收所述第一用户基于所述合约对业务平台中的至少一个第二用户的授权（202）；基于所述授权设置所述至少一个第二用户各自的权限（204）；在所述预定时段结束时，确定所述第一用户和所述至少一个第二用户在所述预定时段中是否完成所述预定事务（206）；以及在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求（208）。

Description

一种基于信用值的平台合约执行方法和装置 技术领域
本说明书实施例涉及业务平台的业务执行技术领域，更具体地，涉及一种基于信用值的平台合约执行方法和装置。
背景技术
信用合约是基于用户使用其信用进行担保，通过计算机系统，采集用户的信用行为形成一套信用值标准，并以此信用标准，代替货币或者有价证券或者实物，充当保证金或者抵押物，使得该用户与另一用户建立合约的一种技术解决方案。采用信用值作为担保，可以代替在一些原有的领域中使用货币、有价证券等通用一般等价物方式充当保证金和抵押物的方式。例如，用户和商户可基于用户信用值建立信用消费合约，合约中通常会约定用户在预定时段内需在商户消费的额度，以及用户在进行所述消费时享受的折扣。然而，在该情况中，合约中约定的消费额度对于某个用户个体可能存在完成难度太高且资源过剩的情况。
因此，需要一种更有效的信用合约的执行方案。
发明内容
本说明书实施例旨在提供一种更有效的信用合约的执行方案，以解决现有技术中的不足。
为实现上述目的，本说明书一个方面提供一种合约执行方法，所述合约由业务平台中的第一用户基于其信用值签署并提交至业务平台的服务器，其中，所述合约中约定了所述第一用户在预定时段中待完成的预定事务、以及在进行所述预定事务时获取的权益，所述方法在所述服务器端执行，包括：
从所述第一用户的终端接收所述第一用户基于所述合约对业务平台中的至少一个第二用户的授权，所述授权允许所述至少一个第二用户在所述预定时段内共同参与进行所述预定事务，并允许所述至少一个第二用户在进行所述预定事务时获取所述权益；
基于所述授权设置所述至少一个第二用户各自的权限；
在所述预定时段结束时，确定所述第一用户和所述至少一个第二用户在所述预定 时段中是否完成所述预定事务；以及
在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户退回所述第一用户和所述至少一个第二用户已获取的所述权益或其等同资源。
在一个实施例中，所述合约中约定了所述至少一个第二用户的最大数目。
在一个实施例中，所述合约中约定了各个所述第二用户在所述预定时段内进行所述预定事务的最大次数。
在一个实施例中，所述方法还包括，在基于所述授权设置所述至少一个第二用户各自的权限之前，分别询问所述至少一个第二用户是否接受所述授权，其中，基于所述授权设置所述至少一个第二用户各自的权限包括，基于所述授权对所述至少一个第二用户中接受所述授权的第二用户设置权限。
在一个实施例中，所述方法还包括，在基于所述授权设置所述至少一个第二用户各自的权限之后，通知所述至少一个第二用户。
在一个实施例中，所述方法还包括，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，向所述第一用户和所述至少一个第二用户分别发送提醒，以提醒所述预定事务的相关信息。
在一个实施例中，所述方法还包括，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，在所述第一用户和所述至少一个第二用户中的任一用户进行所述预定事务之后，进行相应的记录。
在一个实施例中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户在预定期限内向所述第三用户退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。
在一个实施例中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等 同资源，以使得所述业务平台将所述退回的权益或其等同资源发送给所述第三用户。
在一个实施例中，所述合约由所述第一用户与所述业务平台签署，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。
在一个实施例中，所述方法还包括，在自向所述第一用户的终端发送权益退回请求开始的预定期限结束时，确定所述第一用户是否退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，在所述第一用户在所述预定期限内未退回所述权益或其等同资源的情况中，对所述第一用户进行信用惩罚。
在一个实施例中，对所述第一用户进行信用惩罚，包括以下至少之一：
扣减所述第一用户的信用值、限制所述第一用户的业务参与权限、将所述第一用户标记为失信人员。
在一个实施例中，所述方法还包括，在所述第一用户和所述至少一个第二用户在所述预定时段中完成所述预定事务的情况中，增加所述第一用户的信用值。
在一个实施例中，所述预定事务为通过所述业务平台进行的预定额度的消费。
本说明书另一方面提供一种合约执行装置，所述合约由业务平台中的第一用户基于其信用值签署并提交至业务平台的服务器，其中，所述合约中约定了所述第一用户在预定时段中待完成的预定事务、及在进行所述预定事务时获取的权益，所述装置在所述服务器端实施，包括：
接收单元，配置为，从所述第一用户的终端接收所述第一用户基于所述合约对业务平台中的至少一个第二用户的授权，所述授权允许所述至少一个第二用户在所述预定时段内共同参与进行所述预定事务，并允许所述至少一个第二用户在进行所述预定事务时获取所述权益；
设置单元，配置为，基于所述授权设置所述至少一个第二用户各自的权限；
第一确定单元，配置为，在所述预定时段结束时，确定所述第一用户和所述至少一个第二用户在所述预定时段中是否完成所述预定事务；
以及请求单元，配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求 所述第一用户退回所述第一用户和所述至少一个第二用户已获取的所述权益或其等同资源。
在一个实施例中，所述装置还包括询问单元，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之前，分别询问所述至少一个第二用户是否接受所述授权，其中，所述设置单元还配置为，基于所述授权对所述至少一个第二用户中接受所述授权的第二用户设置权限。
在一个实施例中，所述装置还包括通知单元，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，通知所述至少一个第二用户。
在一个实施例中，所述装置还包括提醒单元，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，向所述第一用户和所述至少一个第二用户分别发送提醒，以提醒所述预定事务的相关信息。
在一个实施例中，所述装置还包括记录单元，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，在所述第一用户和所述至少一个第二用户中的任一用户进行所述预定事务之后，进行相应的记录。
在一个实施例中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户在预定期限内向所述第三用户退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。
在一个实施例中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，以使得所述业务平台将所述退回的权益或其等同资源发送给所述第三用户。
在一个实施例中，所述合约由所述第一用户与所述业务平台签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等 同资源。
在一个实施例中，所述装置还包括第二确定单元，配置为，在自向所述第一用户的终端发送权益退回请求开始的预定期限结束时，确定所述第一用户是否退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。以及信用惩罚单元，配置为，在所述第一用户在所述预定期限内未退回所述权益或其等同资源的情况中，对所述第一用户进行信用惩罚。
在一个实施例中，所述装置还包括信用奖励单元，配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中完成所述预定事务的情况中，增加所述第一用户的信用值。
本说明书另一方面提供一种计算设备，包括存储器和处理器，其特征在于，所述存储器中存储有可执行代码，所述处理器执行所述可执行代码时，实现上述任一方法。
通过根据本说明书实施例的基于信用值的合约执行方案，实现了签订合约的用户、平台、商户等多方的互惠互利，有效促进了用户对平台的利用率、在商户的消费额、对商户的宣传等。
附图说明
通过结合附图描述本说明书实施例，可以使得本说明书实施例更加清楚：
图1示出根据本说明书实施例的合约执行系统100的示意图；
图2示出根据本说明书实施例的一种合约执行方法；
图3示出合约内容展示界面的示意图；
图4示出合约执行页的示意图；
图5示出授权界面的示意图；
图6示出权益退回请求界面示意图；
图7示出在资源共享平台场景下的业务交互示意图；
图8示出在支付平台场景下的业务交互示意图；
图9示出根据本说明书实施例的一种合约执行装置900。
具体实施方式
下面将结合附图描述本说明书实施例。
图1示出根据本说明书实施例的合约执行系统100的示意图。如图1所示，系统100可以包括服务器11、网络12、手机13-14和计算机15等。服务器11可以为包含一独立主机的物理服务器，或者该服务器11可以为主机集群承载的虚拟服务器；该服务器11可以承载本说明书中的业务平台，比如该业务平台可以为支付平台。手机13例如为第一用户使用的终端，手机14例如为一第二用户使用的终端，该手机13-14上运行有客户端，该客户端可以实现本说明书的技术方案中与第一用户或第二用户相关的业务功能，其中第一用户、第二用户均可以为个人或企业等；当然，除了手机13-14之外，第一用户或第二用户还可以采用计算机、平板设备、笔记本电脑、掌上电脑、可穿戴设备(如智能眼镜、智能手表等)等其他类型的电子设备，本说明书并不对此进行限制。计算机15可以为第三用户使用的电子设备，该计算机15上运行有客户端2，该客户端2可以实现本说明书的技术方案中与第二用户相关的业务功能，其中第二用户可以为商户等；当然，除了计算机15之外，第三用户还可以采用手机、平板设备、笔记本电脑、掌上电脑、可穿戴设备(如智能眼镜、智能手表等)等其他类型的电子设备，本说明书并不对此进行限制。手机13-14、计算机15与服务器11之间通过网络12进行交互，所述网络12可以包括多种类型的有线或无线网络，比如，该网络12可以包括公共交换电话网络(Public Switched Telephone Network，PSTN)和因特网。
在该系统执行业务时，例如首先由商户(即第三用户)通过其计算机15在平台发布合约。然后，第一用户通过手机13在平台签署该合约并提交至平台服务器，所述合约中约定了所述第一用户在预定时段中待完成的预定事务、以及在进行所述预定事务时获取的权益。例如，所述合约为消费合约，该合约例如约定，第一用户在2018.12.01-2018.12.14之间需通过该平台在所述商户消费200元，在此期间，第一用户的每笔消费可以享受八折优惠。
该合约还约定，第一用户可以授权最多三个好友参与该合约。第一用户例如授权第二用户参与该合约，即第二用户在该时段内通过该平台在所述商户的消费可计入所述200元的额度中、同时可享受八折优惠。在预定时段结束后，如果第一用户和第二用户在该预定时段内在所述商户的消费总额达到200元，服务器11会增加第一用户的信用值。如果第一用户和第二用户在该预定时段内在所述商户的消费总额未达到200元，服 务器11将促使第一用户在指定时段内向商户退还第一用户和第二用户享受的权益(即所述八折优惠对应的金额)。如果第一用户未在指定时段内退还所述权益，服务器11可对第一用户进行信用惩罚，例如扣减第一用户的信用值，等等。
可以理解，图1所示的系统100只是示例性的，而不是限制性的，例如，系统100中除了手机13、14和计算机15之外，还可以包括多个其它用户的终端，并且，所述业务平台不限于支付平台，其例如还可以为资源共享平台、交易平台等等。
图2示出根据本说明书实施例的一种合约执行方法，所述合约由业务平台中的第一用户基于其信用值签署并提交至业务平台的服务器，其中，所述合约中约定了所述第一用户在预定时段中待完成的预定事务、及在进行所述预定事务时获取的权益，所述方法在所述服务器端执行，包括：
在步骤S202，从所述第一用户的终端接收所述第一用户基于所述合约对业务平台中的至少一个第二用户的授权，所述授权允许所述至少一个第二用户在所述预定时段内共同参与进行所述预定事务，并允许所述至少一个第二用户在进行所述预定事务时获取所述权益；
在步骤S204，基于所述授权设置所述至少一个第二用户各自的权限；
在步骤S206，在所述预定时段结束时，确定所述第一用户和所述至少一个第二用户在所述预定时段中是否完成所述预定事务；以及
在步骤208，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户退回所述第一用户和所述至少一个第二用户已获取的所述权益或其等同资源。
首先，在步骤S202，从所述第一用户的终端接收所述第一用户基于所述合约对业务平台中的至少一个第二用户的授权，所述授权允许所述至少一个第二用户在所述预定时段内共同参与进行所述预定事务，并允许所述至少一个第二用户在进行所述预定事务时获取所述权益。
如上文所述，所述平台例如可以为资源共享平台、交易平台、支付平台等各种业务平台。对应于不同的平台，第一用户签署的合约的具体内容相应地不同，所述预定事务和所述权益也相应地不同。例如，在资源共享平台的场景中，例如，所述平台例如为数据共享平台，所述合约可由该平台发起(例如发布活动页面)，由第一用户基于其信用值签署(例如点击所述活动页面中的确定参与按钮)。所述信用值可以由平台自己生 成，也可以从任一信用管理平台获取。例如，平台可设定，第一用户只有在信用值高于预定值时才可以参与该合约的签署。
在该合约中，所述预定事务例如为，第一用户在预定月份内(例如2018年12月)与平台的数据交换中的向平台分享(上传)的数据量应达到至少10G。所述数据交换为第一用户通过向平台分享自己终端中的数据从而获取对平台中的数据的下载权限。通常，例如，平台规定，用户通过向平台分享1G的数据可从平台下载1G的数据。在所述合约中，例如可约定，在此期间，第一用户每次向平台分享数据时，除了可从平台下载等量的数据之外，还可获取该分享数据量的1/5的赠送下载数据量，即，第一用户通过所述信用合约获取的所述权益为所述赠送下载数据量。例如，第一用户进行5G的数据上传时，除了可从平台下载5G的数据之外，还获赠1G的赠送下载数据量，即，第一用户在向平台上传5G的数据之后，可从平台下载6G的数据。在一个实施例中，该约定中还约定了第一用户可向例如最多三个其他用户授权参与该合约的执行。例如，第一用户在其手机客户端通过点击活动页面(或者合约页面)中的授权按钮以授权第二用户参与该合约。第一用户在点击该按钮之后，会将该授权信息发送给平台服务器。该授权允许第二用户在2018年12月在所述平台进行数据分享时，享受获赠1/5的赠送下载量的权益，同时第二用户的该数据分享量(上传数据量)计入第一用户的约定上传量(即10G)中。在一个实施例中，该合约还约定了第二用户仅可参与该合约1次，即，仅可在12月在1次数据交换中将其分享数据量计入所述约定分享量中，并在该次数据交换中享受获赠该次数据分享量的1/5的平台赠送下载量的权益。由于第一用户自身数据资源有限，因而基于上述基于信用合约的授权方案，可以使得第二用户基于其数据资源帮助第一用户完成其约定数据上传量，以激励第一用户和第二用户的数据共享行为，从而可使得在共享平台中对数据进行有效分享。
在例如支付平台的场景中，所述合约可以是支付平台、第一用户和第三用户(平台中的商户)之间的合约。例如，所述合约为消费合约，在该合约中，所述预定事务例如为，第一用户在2018.12.01-2018.12.14之间需通过该支付平台在所述商户消费200元，所述权益例如为，在此期间，第一用户在所述商户的每笔消费可以享受八折优惠。在一个实施例中，该合约还约定，第一用户可以最多授权三个用户参与该合约，被授权用户在该时段内通过该平台在所述商户的消费可计入所述200元的额度中、同时可享受八折优惠。在一个实施例中，该合约还约定，被授权用户只可参与所述预定事务2次，即，被授权用户仅可在该时段内在该商户的2次通过该支付平台的消费中享受八折优惠。基 于该约定，第一用户在其客户端例如授权第二用户参与该合约。在该授权之后，第一用户客户端将该授权信息发送给平台服务器。通过该合约，一方面第一用户无需提前在商户处提前充值消费卡、避免由于商户倒闭等情况导致第一用户的财产损失，另一方面商户可以基于上述承诺而提前锁定第一用户的消费额度，而在第一用户在完成所述消费额度难度较大的情况中，第一用户通过授权第二用户共同完成其额度并同时享受折扣优惠，避免了第一用户的资源过剩，使得第二用户也享受到了优惠，并且也对第二用户宣传了所述商户，从而实现了多方的互惠互利。
图3示出支付平台通过第一用户终端APP向第一用户展示的合约内容的示意图。如图3所示，买家例如可以在支付平台上浏览到合约展示界面，该界面用于对商户发布的信用合约进行展示，以便于买家确定自身参与后所能够获得的权利和需要完成的义务；其中，权利可以包括享受折扣优惠(8折)，义务可以包括“2018.12.01-2018.12.14期间到店消费累计满200元”，以及“如果期间消费未满200元，需退还折扣优惠金额”。其中，当买家点击界面中的“确认参加”选项时，即确定对该合约的签署。在一个实施例中，在该界面中还可以包括“信用合约具体规则”选项，以在点击后向用户示出基于信用值的奖惩规则，例如在第一用户到期不退还优惠金额的情况中，对第一用户的信用值进行扣减，等等。
在第一用户签署图3所示的信用合约之后，APP中例如可生成如图4所示的合约执行页，在该合约执行页中示出了商户名称、预定时段的始末时间，需达到的消费额、享受的折扣等信息。在该合约执行页中还包括“邀请好友”的选项，第一用户在通过点击该选项在弹出的好友名单中选出一个好友(例如第二用户)之后，APP可弹出如图5所示的授权界面。另外，图4所示的合约执行页面中还可以包括在所述预定时段内对第一用户和第二用户的交易记录。该交易记录例如包括交易时间、交易id，交易的支付金额、优惠金额等信息。如图5所示，该界面中示出在第一用户确定邀请第二用户之后，第二用户拥有的权限(可在所述时段在1次到店消费中享受8折优惠，该次消费额计入200元额度中)，及第一用户的义务(在所述时段，第一用户的200元额度未达到时，第二用户的折扣优惠金额也计入第一用户待退还的折扣优惠金额中)。第一用户在点击授权界面中的“确定邀请”之后，APP向服务器发送第一用户对第二用户的授权。
在一个实施例中，所述第一用户与所述商户之间的交易是线下交易，所述商户为实体商铺中的商户，其可以通过向第一用户当面介绍与所述合约相关的活动，而促使第一用户通过其手机进入所述平台参与所述合约。所述实体商铺的商户也可以通过在所述 支付平台发布活动而促使第一用户参与所述合约。所述第一用户在参与所述合约之后，促使第一用户在所述商户的消费，并且促使第一用户在所述商户进行消费时，通过所述支付平台进行支付。同时，在第一用户授权第二用户之后，也促使第二用户在所述商户进行消费、并通过所述支付平台进行支付。
在一个实施例中，所述第一用户与所述商户之间的交易为线上交易，例如，所述商户为交易平台中的商户，商户可在交易平台中发布上述支付平台的与所述合约对应的活动页面，以促使交易平台中的第一用户签署所述合约。第一用户可授权交易平台中的第二用户参与所述合约，从而可促进第一用户和第二用户在所述商户的消费，以及第一用户和第二用户对所述支付平台的使用。
在一实施例中，所述预定时段可以为设定的起始时刻和终止时刻所定义的固定时间段，比如起始时刻为2018年6月10日、终止时刻为2018年7月9日，则预定时段为2018年6月10日至2018年7月9日。
在一实施例中，所述预定时段可以为预设时长的非固定时间段，比如预设时长为1个月时，假定第一用户在2018年6月10日向业务平台发送信息，预定时段可以为该2018年6月10日起的1个月内，而假定第一用户在2018年7月12日向业务平台发送信息，预定时段可以为该2018年7月12日起的1个月内。
在上述实施例中，所述权益都是第一用户付出资源(如上传数据量、现金等)的折扣优惠，然而，在本说明书实施例中，所述权益不限于折扣优惠。例如，在上述资源共享平台场景中，所述权益还可以为平台赠送的高速下载权限、高速上传权限等等，在上述支付平台场景中，所述权益还可以为商户赠送的其它商品、赠送的免邮等等各种权益。
在上述实施例中，所述预定事务都是通过所述平台进行的预定事务，然而，所述预定事务不限于通过所述平台完成。例如，所述平台可以为信用管理平台，具有实体商铺的商户可通过与该信用管理平台签约以进行基于信用合约的营销活动，信用管理平台例如可以通过二维码的形式对用户授予权限，第一用户或第二用户在商户进行消费时不需要通过该信用管理平台进行支付，而可以通过任意支付方式，其只要出示所述二维码即可享受所述折扣优惠。
在上述实施例中，所述平台分别为资源共享平台、支付平台、信用管理平台，然而，所述平台不限于上述的几个示例平台，而可以为其它多种平台，例如，其还可以为 交易平台等等，在此不一一列出。
在步骤S204，基于所述授权设置所述至少一个第二用户各自的权限。
所述权限也即所述授权赋予各个第二用户的权限，包括：允许所述至少一个第二用户在所述预定时段内共同参与进行所述预定事务，以及允许所述至少一个第二用户在进行所述预定事务时获取所述权益。另外，所述权限还可以包括所述合约约定的第二用户可参与所述预定事务的最大次数等等。例如，在上述资源共享平台场景中，第二用户权限可以设定为，当第二用户在所述预定时段内与平台交换数据时，将第二用户的上传数据量计入第一用户的10G上传数据量的额度中，即，该交换数据动作可视为进行所述预定事务，同时，第二用户在进行交换数据时，可获取第一用户合约中约定的权益，即，获取其上传数据量的1/5的平台赠送下载数据量。在合约中约定了最大次数(例如1次)的情况中，还可设定，在第二用户在所述预定时段内与平台的一次交换数据中，将第二用户的上传数据量计入第一用户的10G上传数据量的额度中。在另一个实施例中，例如，在上述支付平台场景中，可将第二用户的权限设定为，在第二用户在预定时段在所述商户进行消费时，将第二用户在商户的消费额计入第一用户的合约中的额度(即，200元)中，同时，第二用户的该消费享受第一用户的合约中约定的权益，即享受该消费额的八折优惠。
在一个实施例中，在基于所述授权设置所述至少一个第二用户各自的权限之前，分别询问所述至少一个第二用户是否接受所述授权，其中，基于所述授权设置所述至少一个第二用户各自的权限包括，基于所述授权对所述至少一个第二用户中接受所述授权的第二用户设置权限。例如，在上述支付平台场景中，第二用户可能想参加自己签署的合约，即，其拥有自己需要完成的消费额度，因此，不希望将自己在商家的消费的额度计入第一用户的约定额度中，在该情况中，第二用户可在服务器询问是否接受第一用户的授权之后，拒绝该授权。
在一个实施例中，在基于所述授权设置所述至少一个第二用户各自的权限之后，通知所述至少一个第二用户。在对所述至少一个第二用户通知所述授权之后，也即通知其拥有优惠权益，从而促使第二用户去进行所述预定事务。
在一个实施例中，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，向所述第一用户和所述至少一个第二用户分别发送提醒，以提醒所述预定事务的相关信息。例如，在合约限定第二用户参与预定事务的次数的情况中，可 提醒第二用户进行预定事务的剩余次数、预定时段的剩余时间等。通过向第一用户和至少一个第二用户发送提醒，促使第一用户和至少给第二用户去在预定时段内进行所述预定事务，以享受所述权益，从而促进合约的履约。在一个实施例中，所述提醒可以一定频率发送，例如，可每周发送一次。
在一个实施例中，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述第二用户终端触发对所述权限的调用时，服务器向所述第二用户终端发送调用所述权限的结果。例如，在上述支付平台场景中，当第二用户终端使用支付平台在商户进行消费时，触发对第二用户的权限的调用，服务器在该触发之后执行相应的程序，即，将第二用户的消费额计入第一用户的约定额度中，并向第二用户终端返回折扣价格以使得第二用户确定支付。从而使得第二用户可参与所述合约中约定的预定事务，并享受所述合约中约定的权益。
在步骤S206，在所述预定时段结束时，确定所述第一用户和所述至少一个第二用户在所述预定时段中是否完成所述预定事务。
在一个实施例中，在上述资源共享平台场景中，在合约中未约定第二用户执行预定事务的次数情况中，第一用户和至少一个第二用户在所述预定时段内在每次进行数据交换时，平台都会记录该次数据交换的用户上传数据量，并对这些数据量进行累加。在预定时段结束时，平台可自动获取该累加数据量，确定该累加数据量是否达到合约约定数据量(即10G)，即确定是否完成所述预定事务。
类似地，在上述支付平台场景中，在合约中未约定第二用户执行预定事务的次数情况中，第一用户和至少一个第二用户在所述预定时段内每次通过该支付平台进行在所述商户的消费时，平台都会记录该次消费的消费额(例如折扣后的实际消费额)，并对这些消费额进行累加。在预定时段结束时，平台可自动获取该累加金额，以确定是否达到合约约定的金额(即200元)，即确定是否完成所述预定事务。
另外，在上述信息管理平台的实例中，信息管理平台不能直接获取第一用户或第二用户在商户消费的金额数据，第一用户和至少一个第二用户例如可通过将消费的小票上传平台，以供平台确定第一用户和至少一个第二用户是否完成所述预定事务。
在步骤208，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户退回所述第一用户和所述至少一个第二用户已获取的所述权益或其等同资源。
在一个实施例中，在上述支付平台场景中，所述合约是第一用户、平台、商户共同签署的三方合约，在确定所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，所述合约的违约责任由第一用户一人承担。例如，在第一用户与所述至少一个第二用户在所述预定时段内的消费额未达到预定额度时，第一用户应通过该支付平台向商户退回第一用户和至少一个第二用户在该预定时段内进行消费时享受的权益或其等同资源。该权益例如为折扣优惠，因此，该权益可直接通过支付平台退回。在权益为商户赠送商品、赠送服务等等的情况中，服务器可确定所述赠送商品、赠送服务的等同金额，并请求第一用户通过支付平台向商户退回第一用户和至少一个第二用户获赠的全部赠送商品、赠送服务的等同金额。由于是通过第一用户通过支付平台进行对商户的金额的退回，因此，支付平台可获知第一用户是否退回，并从而对第一用户进行相应的信用管理。
图6示出在第一用户的APP向第一用户展示的退回权益的请求界面示意图。当第一用户和至少一个第二用户在预定时段内未能在商户消费约定额度时，支付平台可以向该第一用户发送图6所示的请求，该请求可以向第一用户告知其参与的折扣活动的信息、退还权益的原因、已获得的优惠金额等。第一用户可以通过触发该请求界面中的“退还优惠”选项来退还所述权益。
在一个实施例中，在上述资源共享平台场景中，所述合约由所述第一用户与所述平台签署，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，平台服务器向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。例如，请求第一用户向平台上传与第一用户和第二用户在预定时段内已获取的赠送下载量等量的数据，或者请求第一用户向平台转账与所述等量的数据等同的现金等等。
在一个实施例中，例如在业务平台为交易平台的场景中，所述合约由所述第一用户与所述交易平台和交易平台中的第三用户签署，其中，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，以使得所述平台将所述退回的权益或其等同资源发送给所述第三用户。通过由交易平台在第一用户与商户之间进行退回权益的中转，从而使得交易平台可获知第一用户是否进行了权益的退回，从而进行对第一用户的信用 管理。
在一个实施例中，平台可设定权益退回的宽限期，如自平台发出权益退回请求的一个月。在该宽限期结束之后，平台服务器确定所述第一用户是否退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，在所述第一用户在所述预定期限内未退回所述权益或其等同资源的情况中，对所述第一用户进行信用惩罚。例如，信用惩罚可以包括扣减所述第一用户的信用值；当业务平台自行维护第一用户的信用值时，该业务平台可以直接扣减第一用户的信用值，而当第一用户的信用值由信用管理平台维护时，业务平台可以向信用管理平台进行反馈，以使得信用管理平台扣减第一用户的信用值。再例如，信用惩罚可以包括限制所述第一用户的业务参与权限，使得第一用户后续无法参与基于本说明书的信用合约的签署。又例如，信用惩罚可以包括将所述第一用户标记为失信人员，还可以将该失信人员的记录信息分享至其他平台，这将在后续过程中对第一用户造成不良影响。当然，还可以采取其他形式的信用惩罚，或者同时采用多种信用惩罚方式，本说明书并不对此进行限制。
在一个实施例中，在向所述第一用户的终端发送权益退回请求之后，在所述第一用户未退回所述权益或其等同资源的情况中，服务器可主动从所述第一用户对应的用户资源池中扣除与所述第一用户及所述至少一个第二用户已获取的所述权益等同的资源，以进行权益退回。例如在上述资源共享平台的场景下，第一用户的资源池可以为第一用户持有的待下载数据，资源共享平台可以按照数据的下载顺序或默认顺序删除一定量的数据，以作为对第一用户的惩罚。例如在支付平台的场景下，该用户资源池可以为第一用户的账户，支付平台在具备扣款权限(第一用户在向业务平台进行承诺时，可以向业务平台赋予扣款权限)的情况下，可以直接从该账户中扣除差额资源对应的资金，并转入第二用户的账户。
在一个实施例中，在所述第一用户和所述至少一个第二用户在所述预定时段中完成所述预定事务的情况中，可进行对第一用户的信用奖励，例如，增加所述第一用户的信用值。
图7示出在资源共享平台场景下的业务交互示意图。如图7所示，在步骤701，第一用户通过其终端与平台签订数据交换合约。该合约中限定了第一用户需在预定期限内与平台服务器进行至少预定数据上传量的数据交换，并且约定所述第一用户在进行所述数据交换时，可获取数据上传量的预定比例的赠送下载数据量。在步骤702，第一用户将对至少一个第二用户的授权发送至服务器，所述授权允许第二用户参与所述合约，即， 第二用户在该平台进行数据上传时，其数据上传量计入所述合约中的预定数据上传量中，同时第二用户在该平台可获赠同样比例的赠送下载数据量。在步骤703，服务器对第二用户终端发出询问请求，以询问第二用户是否接受第一用户的授权。在步骤704，第二用户可对服务器的询问进行回复，例如，第二用户通过在询问界面点击“是”选项，从而回复对所述授权的同意。在步骤705，服务器基于合约中的约定，对第二用户设置权限。在步骤706，服务器通知第二用户其享有的权限。
在步骤707，第一用户进行与平台之间的数据交换，并获赠下载数据量。例如，第一用户向平台上传5G的数据量，第一用户除了可从平台下载5G的数据量之外，根据合约，第一用户可获赠例如1G的数据量，即，第一用户可下载共6G的数据量。在步骤708，服务器记录第一用户的数据上传量。在一个实施例中，服务器可基于该数据上传量对第一用户的数据上传总量进行累加。
在步骤709，第二用户进行与平台的数据交换，并获赠下载数据量。例如，在第二用户向平台上传5G的数据之后，触发服务器对第二用户权限的调用，从而确定第二用户获赠1G的下载数据量，从而通知第二用户可下载共6G的数据量。在步骤710，服务器记录第二用户的数据上传量。在一个实施例中，服务器可基于该第二用户的数据上传量对第一用户的数据上传总量进行累加。
在步骤711，在预定时段结束时，服务器确认数据上传总量是否达到预定数据量。例如，服务器通过对上述记录的预定时段内的第一用户和第二用户的数据上传量进行累加，从而获取数据上传总量。在一个实施例中，服务器通过上述在记录数据上传量时累加的数据上传总量，直接获取数据上传总量。从而基于数据上传总量确认其是否达到预定数据量。在步骤712，在数据上传总量未达到预定量时，向第一用户发送权益退回请求。例如，请求第一用户向平台上传与第一用户和第二用户在预定时段内已获取的赠送下载量等量的数据，或者请求第一用户向平台转账与所述等量的数据等同的现金等等。在步骤713，平台可设置退回宽限期，在宽限期结束时，平台可确认第一用户的权益退回情况。在步骤714，在第一用户未退回所述权益的情况中，可对第一用户进行相应的信用惩罚，如扣减信用值等。
图8示出在支付平台场景下的业务交互示意图。如图8所示，在步骤801，第一用户通过其终端与平台、商户共同签订消费合约。该合约中限定了第一用户需在预定时段内通过支付平台在商户进行预定金额的消费，并且约定所述第一用户在预定时段内在商户进行消费时，可享受预定折扣优惠。在步骤802，第一用户将对至少一个第二用户的 授权发送至服务器，所述授权允许第二用户参与所述合约，即，第二用户在商户进行消费时，其消费额计入所述预定金额中，同时第二用户也可享受所述预定折扣优惠。在步骤803，服务器对第二用户终端发出询问请求，以询问第二用户是否接受第一用户的授权。在步骤804，第二用户可对服务器的询问进行回复。在步骤805，服务器基于合约中的约定，对第二用户设置权限。在步骤806，服务器通知第二用户其享有的权限。
在步骤807，第一用户在预定时段内进行在商户的消费，其在通过该支付平台进行支付时获取所述折扣优惠。例如，商户为交易平台中的商户，第一用户在交易平台中提交针对该商户的订单，并选择该支付平台进行支付，从而使得在支付平台服务器中调用第一用户的权限，支付平台根据合约的约定向第一用户终端返回第一用户享受折扣之后的实际支付金额，以使得第一用户在确认后进行支付。在步骤808，服务器记录第一用户的实际支付金额。在一个实施例中，服务器可基于该支付金额对第一用户的支付总额进行累加。
在步骤809，第二用户在预定时段内进行在商户的消费，其在通过该支付平台进行支付时获取所述折扣优惠。例如，商户为交易平台中的商户，第二用户在交易平台中提交针对该商户的订单，并选择该支付平台进行支付，从而使得在支付平台服务器中调用第二用户的权限，支付平台根据第二用户的授权权限向第二用户终端返回第二用户享受折扣之后的实际支付金额，以使得第二用户在确认后进行支付。在步骤810，服务器记录第二用户的实际支付金额。在一个实施例中，服务器可基于该支付金额对第一用户的支付总额进行累加。
在步骤811，在预定时段结束时，服务器确认支付总额是否达到预定额度。例如，服务器通过对上述记录的预定时段内的第一用户和第二用户的支付金额进行累加，从而获取支付总额。在一个实施例中，服务器通过上述在记录支付金额时累加的值，直接获取支付总额。从而基于支付总额确认其是否达到预定额度。在步骤812，在支付总额未达到预定额度时，向第一用户发送优惠退回请求。例如，请求第一用户向商户退回第一用户和第二用户在预定时段内已享受的折扣优惠金额。在步骤813，平台可设置退回宽限期，在宽限期结束时，平台可确认第一用户的优惠退回情况。在步骤814，在第一用户未退回所述优惠的情况中，可对第一用户进行相应的信用惩罚，如扣减信用值等。
图9示出根据本说明书实施例的一种合约执行装置900，所述合约由业务平台中的第一用户基于其信用值签署并提交至业务平台的服务器，其中，所述合约中约定了所述第一用户在预定时段中待完成的预定事务、及在进行所述预定事务时获取的权益，所述 装置在所述服务器端实施，包括：
接收单元901，配置为，从所述第一用户的终端接收所述第一用户基于所述合约对业务平台中的至少一个第二用户的授权，所述授权允许所述至少一个第二用户在所述预定时段内共同参与进行所述预定事务，并允许所述至少一个第二用户在进行所述预定事务时获取所述权益；
设置单元902，配置为，基于所述授权设置所述至少一个第二用户各自的权限；
第一确定单元903，配置为，在所述预定时段结束时，确定所述第一用户和所述至少一个第二用户在所述预定时段中是否完成所述预定事务；
请求单元904，配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户退回所述第一用户和所述至少一个第二用户已获取的所述权益或其等同资源。
在一个实施例中，所述装置还包括询问单元905，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之前，分别询问所述至少一个第二用户是否接受所述授权，其中，所述设置单元还配置为，基于所述授权对所述至少一个第二用户中接受所述授权的第二用户设置权限。
在一个实施例中，所述装置还包括通知单元906，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，通知所述至少一个第二用户。
在一个实施例中，所述装置还包括提醒单元907，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，向所述第一用户和所述至少一个第二用户分别发送提醒，以提醒所述预定事务的相关信息。
在一个实施例中，所述装置还包括记录单元908，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，在所述第一用户和所述至少一个第二用户中的任一用户进行所述预定事务之后，进行相应的记录。
在一个实施例中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户在预定期限内向所述第三用户退回所述第一用户及所述至少一 个第二用户已获取的所述权益或其等同资源。
在一个实施例中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，以使得所述业务平台将所述退回的权益或其等同资源发送给所述第三用户。
在一个实施例中，所述合约由所述第一用户与所述业务平台签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。
在一个实施例中，所述装置还包括第二确定单元909，配置为，在自向所述第一用户的终端发送权益退回请求开始的预定期限结束时，确定所述第一用户是否退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，及信用惩罚单元910，配置为，在所述第一用户在所述预定期限内未退回所述权益或其等同资源的情况中，对所述第一用户进行信用惩罚。
在一个实施例中，所述装置还包括信用奖励单元911，配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中完成所述预定事务的情况中，增加所述第一用户的信用值。
本说明书另一方面提供一种计算设备，包括存储器和处理器，其特征在于，所述存储器中存储有可执行代码，所述处理器执行所述可执行代码时，实现上述任一方法。
通过根据本说明书实施例的基于信用值的合约执行方案，实现了签订合约的用户、平台、商户等多方的互惠互利，有效促进了用户对平台的利用率、在商户的消费额、对商户的宣传等。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
本领域普通技术人员应该还可以进一步意识到，结合本文中所公开的实施例描述的各示例的单元及算法步骤，能够以电子硬件、计算机软件或者二者的结合来实现，为了清楚地说明硬件和软件的可互换性，在上述说明中已经按照功能一般性地描述了各示例的组成及步骤。这些功能究竟以硬件还是软件方式来执轨道，取决于技术方案的特定应用和设计约束条件。本领域普通技术人员可以对每个特定的应用来使用不同方法来实现所描述的功能，但是这种实现不应认为超出本申请的范围。
结合本文中所公开的实施例描述的方法或算法的步骤可以用硬件、处理器执轨道的软件模块，或者二者的结合来实施。软件模块可以置于随机存储器(RAM)、内存、只读存储器(ROM)、电可编程ROM、电可擦除可编程ROM、寄存器、硬盘、可移动磁盘、CD-ROM、或技术领域内所公知的任意其它形式的存储介质中。
以上所述的具体实施方式，对本发明的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本发明的具体实施方式而已，并不用于限定本发明的保护范围，凡在本发明的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (29)

  1. 一种合约执行方法，所述合约由业务平台中的第一用户基于其信用值签署并提交至业务平台的服务器，其中，所述合约中约定了所述第一用户在预定时段中待完成的预定事务、及在进行所述预定事务时获取的权益，所述方法在所述服务器端执行，包括：
    从所述第一用户的终端接收所述第一用户基于所述合约对业务平台中的至少一个第二用户的授权，所述授权允许所述至少一个第二用户在所述预定时段内共同参与进行所述预定事务，并允许所述至少一个第二用户在进行所述预定事务时获取所述权益；
    基于所述授权设置所述至少一个第二用户各自的权限；
    在所述预定时段结束时，确定所述第一用户和所述至少一个第二用户在所述预定时段中是否完成所述预定事务；以及
    在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户退回所述第一用户和所述至少一个第二用户已获取的所述权益或其等同资源。
  2. 根据权利要求1所述的方法，其中，所述合约中约定了所述至少一个第二用户的最大数目。
  3. 根据权利要求1所述的方法，其中，所述合约中约定了各个所述第二用户在所述预定时段内进行所述预定事务的最大次数。
  4. 根据权利要求1所述的方法，还包括，在基于所述授权设置所述至少一个第二用户各自的权限之前，分别询问所述至少一个第二用户是否接受所述授权，其中，基于所述授权设置所述至少一个第二用户各自的权限包括，基于所述授权对所述至少一个第二用户中接受所述授权的第二用户设置权限。
  5. 根据权利要求1所述的方法，还包括，在基于所述授权设置所述至少一个第二用户各自的权限之后，通知所述至少一个第二用户。
  6. 根据权利要求1所述的方法，还包括，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，向所述第一用户和所述至少一个第二用户分别发送提醒，以提醒所述预定事务的相关信息。
  7. 根据权利要求1所述的方法，还包括，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，在所述第一用户和所述至少一个第二用户中的任一用户进行所述预定事务之后，进行相应的记录。
  8. 根据权利要求1所述的方法，其中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，在所述第一用户和所述至少一个第二用户在所述预 定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户在预定期限内向所述第三用户退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。
  9. 根据权利要求1所述的方法，其中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，以使得所述业务平台将所述退回的权益或其等同资源发送给所述第三用户。
  10. 根据权利要求1所述的方法，其中，所述合约由所述第一用户与所述业务平台签署，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。
  11. 根据权利要求1所述的方法，还包括，在自向所述第一用户的终端发送权益退回请求开始的预定期限结束时，确定所述第一用户是否退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，在所述第一用户在所述预定期限内未退回所述权益或其等同资源的情况中，对所述第一用户进行信用惩罚。
  12. 根据权利要求11所述的方法，其中，对所述第一用户进行信用惩罚，包括以下至少之一：
    扣减所述第一用户的信用值、限制所述第一用户的业务参与权限、将所述第一用户标记为失信人员。
  13. 根据权利要求1所述的方法，还包括，在所述第一用户和所述至少一个第二用户在所述预定时段中完成所述预定事务的情况中，增加所述第一用户的信用值。
  14. 根据权利要求1所述的方法，其中，所述预定事务为通过所述业务平台进行的预定额度的消费。
  15. 一种合约执行装置，所述合约由业务平台中的第一用户基于其信用值签署并提交至业务平台的服务器，其中，所述合约中约定了所述第一用户在预定时段中待完成的预定事务、及在进行所述预定事务时获取的权益，所述装置在所述服务器端实施，包括：
    接收单元，配置为，从所述第一用户的终端接收所述第一用户基于所述合约对业务平台中的至少一个第二用户的授权，所述授权允许所述至少一个第二用户在所述预定时段内共同参与进行所述预定事务，并允许所述至少一个第二用户在进行所述预定事务时 获取所述权益；
    设置单元，配置为，基于所述授权设置所述至少一个第二用户各自的权限；
    第一确定单元，配置为，在所述预定时段结束时，确定所述第一用户和所述至少一个第二用户在所述预定时段中是否完成所述预定事务；以及
    请求单元，配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户退回所述第一用户和所述至少一个第二用户已获取的所述权益或其等同资源。
  16. 根据权利要求15所述的装置，其中，所述合约中约定了所述至少一个第二用户的最大数目。
  17. 根据权利要求15所述的装置，其中，所述合约中约定了各个所述第二用户在所述预定时段内进行所述预定事务的最大次数。
  18. 根据权利要求15所述的装置，还包括询问单元，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之前，分别询问所述至少一个第二用户是否接受所述授权，其中，所述设置单元还配置为，基于所述授权对所述至少一个第二用户中接受所述授权的第二用户设置权限。
  19. 根据权利要求15所述的装置，还包括通知单元，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，通知所述至少一个第二用户。
  20. 根据权利要求15所述的装置，还包括提醒单元，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，向所述第一用户和所述至少一个第二用户分别发送提醒，以提醒所述预定事务的相关信息。
  21. 根据权利要求15所述的装置，还包括记录单元，配置为，在基于所述授权设置所述至少一个第二用户各自的权限之后，在所述预定时段内，在所述第一用户和所述至少一个第二用户中的任一用户进行所述预定事务之后，进行相应的记录。
  22. 根据权利要求15所述的装置，其中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户在预定期限内向所述第三用户退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。
  23. 根据权利要求15所述的装置，其中，所述合约由所述第一用户与所述业务平台和业务平台中的第三用户签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的 终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，以使得所述业务平台将所述退回的权益或其等同资源发送给所述第三用户。
  24. 根据权利要求15所述的装置，其中，所述合约由所述第一用户与所述业务平台签署，其中，所述请求单元还配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中未完成所述预定事务的情况中，向所述第一用户的终端发送权益退回请求，以请求所述第一用户向所述业务平台退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源。
  25. 根据权利要求15所述的装置，还包括第二确定单元，配置为，在自向所述第一用户的终端发送权益退回请求开始的预定期限结束时，确定所述第一用户是否退回所述第一用户及所述至少一个第二用户已获取的所述权益或其等同资源，及信用惩罚单元，配置为，在所述第一用户在所述预定期限内未退回所述权益或其等同资源的情况中，对所述第一用户进行信用惩罚。
  26. 根据权利要求25所述的装置，其中，所述信用惩罚单元配置为进行以下至少之一：
    扣减所述第一用户的信用值、限制所述第一用户的业务参与权限、将所述第一用户标记为失信人员。
  27. 根据权利要求15所述的装置，还包括信用奖励单元，配置为，在所述第一用户和所述至少一个第二用户在所述预定时段中完成所述预定事务的情况中，增加所述第一用户的信用值。
  28. 根据权利要求15所述的装置，其中，所述预定事务为通过所述业务平台进行的预定额度的消费。
  29. 一种计算设备，包括存储器和处理器，其特征在于，所述存储器中存储有可执行代码，所述处理器执行所述可执行代码时，实现权利要求1-14中任一项所述的方法。
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