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1. WO2021017431 - CREDIT AGREEMENT PROCESSING METHOD AND DEVICE

Publication Number WO/2021/017431
Publication Date 04.02.2021
International Application No. PCT/CN2020/071990
International Filing Date 14.01.2020
IPC
G06Q 30/06 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
G06Q 50/26 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
50Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
10Services
26Government or public services
CPC
G06Q 30/0609
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
0601Electronic shopping
0609Buyer or seller confidence or verification
G06Q 30/0645
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
0645Rental, i.e. leasing
G06Q 50/26
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
50Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
10Services
26Government or public services
Applicants
  • 创新先进技术有限公司 ADVANCED NEW TECHNOLOGIES CO., LTD.
Inventors
  • 李杰 LI, Jie
Agents
  • 北京博思佳知识产权代理有限公司 BEIJING BESTIPR INTELLECTUAL PROPERTY LAW CORPORATION
Priority Data
201910703171.331.07.2019CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) CREDIT AGREEMENT PROCESSING METHOD AND DEVICE
(FR) PROCÉDÉ DE TRAITEMENT D'ACCORD DE CRÉDIT ET DISPOSITIF
(ZH) 信用合约处理方法以及装置
Abstract
(EN)
A credit agreement processing method and a device. The credit agreement processing method comprises: acquiring a joining request for joining a credit project, the request being submitted by an inviting user (S102); determining, according to a project type of the credit project in the joining request, a credit agreement template corresponding to the project type (S104); generating an agreement offer sheet according to the credit agreement template and an agreement-signing instruction submitted by the inviting user for the credit agreement template (S106); inviting, by means of pushing the agreement offer sheet to an invitation-receiving user, the invitation-receiving user to join the credit project (S108); and if an agreement-acceptance instruction submitted by the invitation-receiving user for the agreement offer sheet is received, generating, on the basis of the agreement offer sheet, a credit agreement having the inviting user as an agreement-offering party and the invitation-receiving user who has submitted the agreement-acceptance instruction as an agreement-accepting party (S110). The credit agreement processing method protects the right of parties joining a credit project, and improves the reliability of the credit project, thereby improving user engagement with the credit project and facilitating credit project promotion and a comprehensive credit system.
(FR)
Procédé de traitement d’accord de crédit et dispositif. Le procédé de traitement d'accord de crédit comprend les étapes consistant à : obtenir une demande d'adhésion pour adhérer à un projet de crédit, la demande étant soumise par un utilisateur invitant (S102) ; déterminer, selon un type de projet du projet de crédit dans la demande d'adhésion, un modèle d'accord de crédit correspondant au type de projet (S104) ; générer une feuille d'offre d'accord en fonction du modèle d'accord de crédit et une instruction de signature d'accord soumise par l'utilisateur invitant pour le modèle d'accord de crédit (S106) ; inviter, au moyen de la poussée de la feuille d'offre d'accord à un utilisateur de réception d'invitation, l'utilisateur de réception d'invitation à adhérer au projet de crédit (S108) ; et si une instruction d'acceptation d'accord soumise par l'utilisateur de réception d'invitation pour la feuille d'offre d'accord est reçue, générer, sur la base de la feuille d'offre d'accord, un accord de crédit ayant l'utilisateur invitant en tant que partie d'offre d'accord et l'utilisateur de réception d'invitation qui a soumis l'instruction d'acceptation d'accord en tant que partie acceptrice d'accord (S110). Le procédé de traitement d'accord de crédit protège le droit des parties adhérant à un projet de crédit, et améliore la fiabilité du projet de crédit, améliorant ainsi l'engagement de l'utilisateur vis-à-vis du projet de crédit et facilitant la promotion du projet de crédit et un système de crédit complet.
(ZH)
一种信用合约处理方法以及装置,其中,所述信用合约处理方法包括:获取邀约用户提交的参与信用项目的参与请求(S102);根据所述参与请求中包含的所述信用项目所属的项目类型,确定所述项目类型对应的信用合约模板(S104);根据所述信用合约模板以及所述邀约用户针对所述信用合约模板提交的签约指令生成发约单(S106);通过向受邀用户推送所述发约单的方式邀请所述受邀用户参与所述信用项目(S108);在接收到所述受邀用户针对所述发约单提交的应约指令的情况下,基于所述发约单生成由所述邀约用户作为发约方且提交所述应约指令的受邀用户作为应约方的信用合约(S110)。该信用合约处理方法,保障了信用项目的各参与方的权益,提升信用项目的可信度,进而提升信用项目的用户参与度,有益于促进信用项目的推广和信用体系的完善。
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