下面將結合圖式描述本說明書實施例。
圖1示出根據本說明書實施例的合約執行系統100的示意圖。如圖1所示，系統100可以包括伺服器11、網路12、手機13至14和電腦15等。伺服器11可以為包含一獨立主機的物理伺服器，或者該伺服器11可以為主機集群承載的虛擬伺服器；該伺服器11可以承載本說明書中的業務平台，比如該業務平台可以為支付平台。手機13例如為第一用戶使用的終端，手機14例如為一第二用戶使用的終端，該手機13至14上運行有用戶端，該用戶端可以實現本說明書的技術方案中與第一用戶或第二用戶相關的業務功能，其中，第一用戶、第二用戶均可以為個人或企業等；當然，除了手機13至14之外，第一用戶或第二用戶還可以採用電腦、平板設備、筆記型電腦、掌上型電腦、可穿戴設備(如智慧型眼鏡、智慧型手錶等)等其他類型的電子設備，本說明書並不對此進行限制。電腦15可以為第三用戶使用的電子設備，該電腦15上運行有用戶端2，該用戶端2可以實現本說明書的技術方案中與第二用戶相關的業務功能，其中，第二用戶可以為商戶等；當然，除了電腦15之外，第三用戶還可以採用手機、平板設備、筆記型電腦、掌上型電腦、可穿戴設備(如智慧型眼鏡、智慧型手錶等)等其他類型的電子設備，本說明書並不對此進行限制。手機13至14、電腦15與伺服器11之間透過網路12進行互動，所述網路12可以包括多種類型的有線或無線網路，比如，該網路12可以包括公共交換電話網路(Public Switched Telephone Network，PSTN)和網際網路。
在該系統執行業務時，例如首先由商戶(即第三用戶)透過其電腦15在平台發布合約。然後，第一用戶透過手機13在平台簽署該合約並提交至平台伺服器，所述合約中約定了所述第一用戶在預定時段中待完成的預定事務、及在進行所述預定事務時獲取的權益。例如，所述合約為消費合約，該合約例如約定，第一用戶在2018.12.01至2018.12.14之間需透過該平台在所述商戶消費200元，在此期間，第一用戶的每筆消費可以享受八折優惠。
該合約還約定，第一用戶可以授權最多三個好友參與該合約。第一用戶例如授權第二用戶參與該合約，即第二用戶在該時段內透過該平台在所述商戶的消費可計入所述200元的額度中、同時可享受八折優惠。在預定時段結束後，如果第一用戶和第二用戶在該預定時段內在所述商戶的消費總額達到200元，伺服器11會增加第一用戶的信用值。如果第一用戶和第二用戶在該預定時段內在所述商戶的消費總額未達到200元，伺服器11將促使第一用戶在指定時段內向商戶退還第一用戶和第二用戶享受的權益(即所述八折優惠對應的金額)。如果第一用戶未在指定時段內退還所述權益，伺服器11可對第一用戶進行信用懲罰，例如扣減第一用戶的信用值，等等。
可以理解，圖1所示的系統100只是示例性的，而不是限制性的，例如，系統100中除了手機13、14和電腦15之外，還可以包括多個其它用戶的終端，並且，所述業務平台不限於支付平台，其例如還可以為資源共享平台、交易平台等等。
圖2示出根據本說明書實施例的一種合約執行方法，所述合約由業務平台中的第一用戶基於其信用值簽署並提交至業務平台的伺服器，其中，所述合約中約定了所述第一用戶在預定時段中待完成的預定事務、及在進行所述預定事務時獲取的權益，所述方法在所述伺服器端執行，包括：
在步驟S202，從所述第一用戶的終端接收所述第一用戶基於所述合約對業務平台中的至少一個第二用戶的授權，所述授權允許所述至少一個第二用戶在所述預定時段內共同參與進行所述預定事務，並允許所述至少一個第二用戶在進行所述預定事務時獲取所述權益；
在步驟S204，基於所述授權設定所述至少一個第二用戶各自的權限；
在步驟S206，在所述預定時段結束時，確定所述第一用戶和所述至少一個第二用戶在所述預定時段中是否完成所述預定事務；以及
在步驟208，在所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，向所述第一用戶的終端發送權益退回請求，以請求所述第一用戶退回所述第一用戶和所述至少一個第二用戶已獲取的所述權益或其等同資源。
首先，在步驟S202，從所述第一用戶的終端接收所述第一用戶基於所述合約對業務平台中的至少一個第二用戶的授權，所述授權允許所述至少一個第二用戶在所述預定時段內共同參與進行所述預定事務，並允許所述至少一個第二用戶在進行所述預定事務時獲取所述權益。
如上文所述，所述平台例如可以為資源共享平台、交易平台、支付平台等各種業務平台。對應於不同的平台，第一用戶簽署的合約的具體內容相應地不同，所述預定事務和所述權益也相應地不同。例如，在資源共享平台的場景中，例如，所述平台例如為資料共用平台，所述合約可由該平台發起(例如，發布活動頁面)，由第一用戶基於其信用值簽署(例如，點擊所述活動頁面中的確定參與按鈕)。所述信用值可以由平台自己產生，也可以從任一信用管理平台獲取。例如，平台可設定，第一用戶只有在信用值高於預定值時才可以參與該合約的簽署。
在該合約中，所述預定事務例如為，第一用戶在預定月份內(例如，2018年12月)與平台的資料交換中的向平台共享(上傳)的資料量應達到至少10G。所述資料交換為第一用戶透過向平台共享自己終端中的資料從而獲取對平台中的資料的下載權限。通常，例如，平台規定，用戶透過向平台共享1G的資料可從平台下載1G的資料。在所述合約中，例如可約定，在此期間，第一用戶每次向平台共享資料時，除了可從平台下載等量的資料之外，還可獲取該共享資料量的1/5的贈送下載資料量，即，第一用戶透過所述信用合約獲取的所述權益為所述贈送下載資料量。例如，第一用戶進行5G的資料上傳時，除了可從平台下載5G的資料之外，還獲贈1G的贈送下載資料量，即，第一用戶在向平台上傳5G的資料之後，可從平台下載6G的資料。在一個實施例中，該約定中還約定了第一用戶可向例如最多三個其他用戶授權參與該合約的執行。例如，第一用戶在其手機用戶端透過點擊活動頁面(或者合約頁面)中的授權按鈕以授權第二用戶參與該合約。第一用戶在點擊該按鈕之後，會將該授權資訊發送給平台伺服器。該授權允許第二用戶在2018年12月在所述平台進行資料共享時，享受獲贈1/5的贈送下載量的權益，同時第二用戶的該資料共享量(上傳資料量)計入第一用戶的約定上傳量(即10G)中。在一個實施例中，該合約還約定了第二用戶僅可參與該合約1次，即，僅可在12月在1次資料交換中將其共享資料量計入所述約定共享量中，並在該次資料交換中享受獲贈該次資料共享量的1/5的平台贈送下載量的權益。由於第一用戶自身資料資源有限，因而基於上述基於信用合約的授權方案，可以使得第二用戶基於其資料資源説明第一用戶完成其約定資料上傳量，以激勵第一用戶和第二用戶的資料共用行為，從而可使得在共用平台中對資料進行有效共享。
在例如支付平台的場景中，所述合約可以是支付平台、第一用戶和第三用戶(平台中的商戶)之間的合約。例如，所述合約為消費合約，在該合約中，所述預定事務例如為，第一用戶在2018.12.01至2018.12.14之間需透過該支付平台在所述商戶消費200元，所述權益例如為，在此期間，第一用戶在所述商戶的每筆消費可以享受八折優惠。在一個實施例中，該合約還約定，第一用戶可以最多授權三個用戶參與該合約，被授權用戶在該時段內透過該平台在所述商戶的消費可計入所述200元的額度中、同時可享受八折優惠。在一個實施例中，該合約還約定，被授權用戶只可參與所述預定事務2次，即，被授權用戶僅可在該時段內在該商戶的2次透過該支付平台的消費中享受八折優惠。基於該約定，第一用戶在其用戶端例如授權第二用戶參與該合約。在該授權之後，第一用戶用戶端將該授權資訊發送給平台伺服器。透過該合約，一方面第一用戶無需提前在商戶處提前加值消費卡、避免由於商戶倒閉等情況導致第一用戶的財產損失，另一方面商戶可以基於上述承諾而提前鎖定第一用戶的消費額度，而在第一用戶在完成所述消費額度難度較大的情況中，第一用戶透過授權第二用戶共同完成其額度並同時享受折扣優惠，避免了第一用戶的資源過剩，使得第二用戶也享受到了優惠，並且也對第二用戶宣傳了所述商戶，從而實現了多方的互惠互利。
圖3示出支付平台透過第一用戶終端APP向第一用戶展示的合約內容的示意圖。如圖3所示，買家例如可以在支付平台上瀏覽到合約展示介面，該介面用於對商戶發布的信用合約進行展示，以便於買家確定自身參與後所能夠獲得的權利和需要完成的義務，其中，權利可以包括享受折扣優惠(8折)，義務可以包括“2018.12.01至2018.12.14期間到店消費累計滿200元”，以及“如果期間消費未滿200元，需退還折扣優惠金額”。其中，當買家點擊介面中的“確認參加”選項時，即確定對該合約的簽署。在一個實施例中，在該介面中還可以包括“信用合約具體規則”選項，以在點擊後向用戶示出基於信用值的獎懲規則，例如在第一用戶到期不退還優惠金額的情況中，對第一用戶的信用值進行扣減，等等。
在第一用戶簽署圖3所示的信用合約之後，APP中例如可產生如圖4所示的合約執行頁，在該合約執行頁中示出了商戶名稱、預定時段的始末時間，需達到的消費額、享受的折扣等資訊。在該合約執行頁中還包括“邀請好友”的選項，第一用戶在透過點擊該選項在彈出的好友名單中選出一個好友(例如，第二用戶)之後，APP可彈出如圖5所示的授權介面。另外，圖4所示的合約執行頁面中還可以包括在所述預定時段內對第一用戶和第二用戶的交易記錄。該交易記錄例如包括交易時間、交易id、交易的支付金額、優惠金額等資訊。如圖5所示，該介面中示出在第一用戶確定邀請第二用戶之後，第二用戶擁有的權限(可在所述時段在1次到店消費中享受8折優惠，該次消費額計入200元額度中)，及第一用戶的義務(在所述時段，第一用戶的200元額度未達到時，第二用戶的折扣優惠金額也計入第一用戶待退還的折扣優惠金額中)。第一用戶在點擊授權介面中的“確定邀請”之後，APP向伺服器發送第一用戶對第二用戶的授權。
在一個實施例中，所述第一用戶與所述商戶之間的交易是離線交易，所述商戶為實體商鋪中的商戶，其可以透過向第一用戶當面介紹與所述合約相關的活動，而促使第一用戶透過其手機進入所述平台參與所述合約。所述實體商鋪的商戶也可以透過在所述支付平台發布活動而促使第一用戶參與所述合約。所述第一用戶在參與所述合約之後，促使第一用戶在所述商戶的消費，並且促使第一用戶在所述商戶進行消費時，透過所述支付平台進行支付。同時，在第一用戶授權第二用戶之後，也促使第二用戶在所述商戶進行消費、並透過所述支付平台進行支付。
在一個實施例中，所述第一用戶與所述商戶之間的交易為線上交易，例如，所述商戶為交易平台中的商戶，商戶可在交易平台中發布上述支付平台的與所述合約對應的活動頁面，以促使交易平台中的第一用戶簽署所述合約。第一用戶可授權交易平台中的第二用戶參與所述合約，從而可促進第一用戶和第二用戶在所述商戶的消費，以及第一用戶和第二用戶對所述支付平台的使用。
在一實施例中，所述預定時段可以為設定的起始時刻和終止時刻所定義的固定時間段，比如起始時刻為2018年6月10日、終止時刻為2018年7月9日，則預定時段為2018年6月10日至2018年7月9日。
在一實施例中，所述預定時段可以為預設時長的非固定時間段，比如預設時長為1個月時，假定第一用戶在2018年6月10日向業務平台發送資訊，預定時段可以為該2018年6月10日起的1個月內，而假定第一用戶在2018年7月12日向業務平台發送資訊，預定時段可以為該2018年7月12日起的1個月內。
在上述實施例中，所述權益都是第一用戶付出資源(如上傳資料量、現金等)的折扣優惠，然而，在本說明書實施例中，所述權益不限於折扣優惠。例如，在上述資源共享平台場景中，所述權益還可以為平台贈送的高速下載權限、高速上傳權限等等，在上述支付平台場景中，所述權益還可以為商戶贈送的其它商品、贈送的免郵等等各種權益。
在上述實施例中，所述預定事務都是透過所述平台進行的預定事務，然而，所述預定事務不限於透過所述平台完成。例如，所述平台可以為信用管理平台，具有實體商鋪的商戶可透過與該信用管理平台簽約以進行基於信用合約的行銷活動，信用管理平台例如可以透過二維碼的形式對用戶授予權限，第一用戶或第二用戶在商戶進行消費時不需要透過該信用管理平台進行支付，而可以透過任意支付方式，其只要出示所述二維碼即可享受所述折扣優惠。
在上述實施例中，所述平台分別為資源共享平台、支付平台、信用管理平台，然而，所述平台不限於上述的幾個示例平台，而可以為其它多種平台，例如，其還可以為交易平台等等，在此不一一列出。
在步驟S204，基於所述授權設定所述至少一個第二用戶各自的權限。
所述權限也即所述授權賦予各個第二用戶的權限，包括：允許所述至少一個第二用戶在所述預定時段內共同參與進行所述預定事務，以及允許所述至少一個第二用戶在進行所述預定事務時獲取所述權益。另外，所述權限還可以包括所述合約約定的第二用戶可參與所述預定事務的最大次數等等。例如，在上述資源共享平台場景中，第二用戶權限可以設定為，當第二用戶在所述預定時段內與平台交換資料時，將第二用戶的上傳資料量計入第一用戶的10G上傳資料量的額度中，亦即，該交換資料動作可視為進行所述預定事務，同時，第二用戶在進行交換資料時，可獲取第一用戶合約中約定的權益，亦即，獲取其上傳資料量的1/5的平台贈送下載資料量。在合約中約定了最大次數(例如，1次)的情況中，還可設定，在第二用戶在所述預定時段內與平台的一次交換資料中，將第二用戶的上傳資料量計入第一用戶的10G上傳資料量的額度中。在另一個實施例中，例如，在上述支付平台場景中，可將第二用戶的權限設定為，在第二用戶在預定時段在所述商戶進行消費時，將第二用戶在商戶的消費額計入第一用戶的合約中的額度(即，200元)中，同時，第二用戶的該消費享受第一用戶的合約中約定的權益，即享受該消費額的八折優惠。
在一個實施例中，在基於所述授權設定所述至少一個第二用戶各自的權限之前，分別詢問所述至少一個第二用戶是否接受所述授權，其中，基於所述授權設定所述至少一個第二用戶各自的權限包括，基於所述授權對所述至少一個第二用戶中接受所述授權的第二用戶設定權限。例如，在上述支付平台場景中，第二用戶可能想參加自己簽署的合約，亦即，其擁有自己需要完成的消費額度，因此，不希望將自己在商家的消費的額度計入第一用戶的約定額度中，在該情況中，第二用戶可在伺服器詢問是否接受第一用戶的授權之後，拒絕該授權。
在一個實施例中，在基於所述授權設定所述至少一個第二用戶各自的權限之後，通知所述至少一個第二用戶。在對所述至少一個第二用戶通知所述授權之後，也即通知其擁有優惠權益，從而促使第二用戶去進行所述預定事務。
在一個實施例中，在基於所述授權設定所述至少一個第二用戶各自的權限之後，在所述預定時段內，向所述第一用戶和所述至少一個第二用戶分別發送提醒，以提醒所述預定事務的相關資訊。例如，在合約限定第二用戶參與預定事務的次數的情況中，可提醒第二用戶進行預定事務的剩餘次數、預定時段的剩餘時間等。透過向第一用戶和至少一個第二用戶發送提醒，促使第一用戶和至少給第二用戶去在預定時段內進行所述預定事務，以享受所述權益，從而促進合約的履約。在一個實施例中，所述提醒可以一定頻率發送，例如，可每週發送一次。
在一個實施例中，在基於所述授權設定所述至少一個第二用戶各自的權限之後，在所述第二用戶終端觸發對所述權限的調用時，伺服器向所述第二用戶終端發送調用所述權限的結果。例如，在上述支付平台場景中，當第二用戶終端使用支付平台在商戶進行消費時，觸發對第二用戶的權限的調用，伺服器在該觸發之後執行相應的程序，亦即，將第二用戶的消費額計入第一用戶的約定額度中，並向第二用戶終端返回折扣價格以使得第二用戶確定支付。從而使得第二用戶可參與所述合約中約定的預定事務，並享受所述合約中約定的權益。
在步驟S206，在所述預定時段結束時，確定所述第一用戶和所述至少一個第二用戶在所述預定時段中是否完成所述預定事務。
在一個實施例中，在上述資源共享平台場景中，在合約中未約定第二用戶執行預定事務的次數情況中，第一用戶和至少一個第二用戶在所述預定時段內在每次進行資料交換時，平台都會記錄該次資料交換的用戶上傳資料量，並對這些資料量進行累加。在預定時段結束時，平台可自動獲取該累加資料量，確定該累加資料量是否達到合約約定資料量(即10G)，亦即，確定是否完成所述預定事務。
類似地，在上述支付平台場景中，在合約中未約定第二用戶執行預定事務的次數情況中，第一用戶和至少一個第二用戶在所述預定時段內每次透過該支付平台進行在所述商戶的消費時，平台都會記錄該次消費的消費額(例如，折扣後的實際消費額)，並對這些消費額進行累加。在預定時段結束時，平台可自動獲取該累加金額，以確定是否達到合約約定的金額(即200元)，亦即確定是否完成所述預定事務。
另外，在上述資訊管理平台的實例中，資訊管理平台不能直接獲取第一用戶或第二用戶在商戶消費的金額資料，第一用戶和至少一個第二用戶例如可透過將消費的收據上傳平台，以供平台確定第一用戶和至少一個第二用戶是否完成所述預定事務。
在步驟208，在所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，向所述第一用戶的終端發送權益退回請求，以請求所述第一用戶退回所述第一用戶和所述至少一個第二用戶已獲取的所述權益或其等同資源。
在一個實施例中，在上述支付平台場景中，所述合約是第一用戶、平台、商戶共同簽署的三方合約，在確定所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，所述合約的違約責任由第一用戶一人承擔。例如，在第一用戶與所述至少一個第二用戶在所述預定時段內的消費額未達到預定額度時，第一用戶應透過該支付平台向商戶退回第一用戶和至少一個第二用戶在該預定時段內進行消費時享受的權益或其等同資源。該權益例如為折扣優惠，因此，該權益可直接透過支付平台退回。在權益為商戶贈送商品、贈送服務等等的情況中，伺服器可確定所述贈送商品、贈送服務的等同金額，並請求第一用戶透過支付平台向商戶退回第一用戶和至少一個第二用戶獲贈的全部贈送商品、贈送服務的等同金額。由於是透過第一用戶透過支付平台進行對商戶的金額的退回，因此，支付平台可獲知第一用戶是否退回，並從而對第一用戶進行相應的信用管理。
圖6示出在第一用戶的APP向第一用戶展示的退回權益的請求介面示意圖。當第一用戶和至少一個第二用戶在預定時段內未能在商戶消費約定額度時，支付平台可以向該第一用戶發送圖6所示的請求，該請求可以向第一用戶告知其參與的折扣活動的資訊、退還權益的原因、已獲得的優惠金額等。第一用戶可以透過觸發該請求介面中的“退還優惠”選項來退還所述權益。
在一個實施例中，在上述資源共享平台場景中，所述合約由所述第一用戶與所述平台簽署，在所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，平台伺服器向所述第一用戶的終端發送權益退回請求，以請求所述第一用戶向所述業務平台退回所述第一用戶及所述至少一個第二用戶已獲取的所述權益或其等同資源。例如，請求第一用戶向平台上傳與第一用戶和第二用戶在預定時段內已獲取的贈送下載量等量的資料，或者請求第一用戶向平台轉帳與所述等量的資料等同的現金等等。
在一個實施例中，例如在業務平台為交易平台的場景中，所述合約由所述第一用戶與所述交易平台和交易平台中的第三用戶簽署，其中，在所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，向所述第一用戶的終端發送權益退回請求，以請求所述第一用戶向所述平台退回所述第一用戶及所述至少一個第二用戶已獲取的所述權益或其等同資源，以使得所述平台將所述退回的權益或其等同資源發送給所述第三用戶。透過由交易平台在第一用戶與商戶之間進行退回權益的中轉，從而使得交易平台可獲知第一用戶是否進行了權益的退回，從而進行對第一用戶的信用管理。
在一個實施例中，平台可設定權益退回的寬限期，如自平台發出權益退回請求的一個月。在該寬限期結束之後，平台伺服器確定所述第一用戶是否退回所述第一用戶及所述至少一個第二用戶已獲取的所述權益或其等同資源，在所述第一用戶在所述預定期限內未退回所述權益或其等同資源的情況中，對所述第一用戶進行信用懲罰。例如，信用懲罰可以包括扣減所述第一用戶的信用值；當業務平台自行維護第一用戶的信用值時，該業務平台可以直接扣減第一用戶的信用值，而當第一用戶的信用值由信用管理平台維護時，業務平台可以向信用管理平台進行反饋，以使得信用管理平台扣減第一用戶的信用值。再例如，信用懲罰可以包括限制所述第一用戶的業務參與權限，使得第一用戶後續無法參與基於本說明書的信用合約的簽署。又例如，信用懲罰可以包括將所述第一用戶標記為失信人員，還可以將該失信人員的記錄資訊共享至其他平台，這將在後續過程中對第一用戶造成不良影響。當然，還可以採取其他形式的信用懲罰，或者同時採用多種信用懲罰方式，本說明書並不對此進行限制。
在一個實施例中，在向所述第一用戶的終端發送權益退回請求之後，在所述第一用戶未退回所述權益或其等同資源的情況中，伺服器可主動從所述第一用戶對應的用戶資源池中扣除與所述第一用戶及所述至少一個第二用戶已獲取的所述權益等同的資源，以進行權益退回。例如在上述資源共享平台的場景下，第一用戶的資源池可以為第一用戶持有的待下載資料，資源共享平台可以按照資料的下載順序或預設順序刪除一定量的資料，以作為對第一用戶的懲罰。例如在支付平台的場景下，該用戶資源池可以為第一用戶的帳戶，支付平台在具備扣款權限(第一用戶在向業務平台進行承諾時，可以向業務平台賦予扣款權限)的情況下，可以直接從該帳戶中扣除差額資源對應的資金，並轉入第二用戶的帳戶。
在一個實施例中，在所述第一用戶和所述至少一個第二用戶在所述預定時段中完成所述預定事務的情況中，可進行對第一用戶的信用獎勵，例如，增加所述第一用戶的信用值。
圖7示出在資源共享平台場景下的業務互動示意圖。如圖7所示，在步驟701，第一用戶透過其終端與平台簽訂資料交換合約。該合約中限定了第一用戶需在預定期限內與平台伺服器進行至少預定資料上傳量的資料交換，並且約定所述第一用戶在進行所述資料交換時，可獲取資料上傳量的預定比例的贈送下載資料量。在步驟702，第一用戶將對至少一個第二用戶的授權發送至伺服器，所述授權允許第二用戶參與所述合約，亦即，第二用戶在該平台進行資料上傳時，其資料上傳量計入所述合約中的預定資料上傳量中，同時第二用戶在該平台可獲贈同樣比例的贈送下載資料量。在步驟703，伺服器對第二用戶終端發出詢問請求，以詢問第二用戶是否接受第一用戶的授權。在步驟704，第二用戶可對伺服器的詢問進行回復，例如，第二用戶透過在詢問介面點擊“是”選項，從而回復對所述授權的同意。在步驟705，伺服器基於合約中的約定，對第二用戶設定權限。在步驟706，伺服器通知第二用戶其享有的權限。
在步驟707，第一用戶進行與平台之間的資料交換，並獲贈下載資料量。例如，第一用戶向平台上傳5G的資料量，第一用戶除了可從平台下載5G的資料量之外，根據合約，第一用戶可獲贈例如1G的資料量，亦即，第一用戶可下載共6G的資料量。在步驟708，伺服器記錄第一用戶的資料上傳量。在一個實施例中，伺服器可基於該資料上傳量對第一用戶的資料上傳總量進行累加。
在步驟709，第二用戶進行與平台的資料交換，並獲贈下載資料量。例如，在第二用戶向平台上傳5G的資料之後，觸發伺服器對第二用戶權限的調用，從而確定第二用戶獲贈1G的下載資料量，從而通知第二用戶可下載共6G的資料量。在步驟710，伺服器記錄第二用戶的資料上傳量。在一個實施例中，伺服器可基於該第二用戶的資料上傳量對第一用戶的資料上傳總量進行累加。
在步驟711，在預定時段結束時，伺服器確認資料上傳總量是否達到預定資料量。例如，伺服器透過對上述記錄的預定時段內的第一用戶和第二用戶的資料上傳量進行累加，從而獲取資料上傳總量。在一個實施例中，伺服器透過上述在記錄資料上傳量時累加的資料上傳總量，直接獲取資料上傳總量。從而基於資料上傳總量確認其是否達到預定資料量。在步驟712，在資料上傳總量未達到預定量時，向第一用戶發送權益退回請求。例如，請求第一用戶向平台上傳與第一用戶和第二用戶在預定時段內已獲取的贈送下載量等量的資料，或者請求第一用戶向平台轉帳與所述等量的資料等同的現金等等。在步驟713，平台可設定退回寬限期，在寬限期結束時，平台可確認第一用戶的權益退回情況。在步驟714，在第一用戶未退回所述權益的情況中，可對第一用戶進行相應的信用懲罰，如扣減信用值等。
圖8示出在支付平台場景下的業務互動示意圖。如圖8所示，在步驟801，第一用戶透過其終端與平台、商戶共同簽訂消費合約。該合約中限定了第一用戶需在預定時段內透過支付平台在商戶進行預定金額的消費，並且約定所述第一用戶在預定時段內在商戶進行消費時，可享受預定折扣優惠。在步驟802，第一用戶將對至少一個第二用戶的授權發送至伺服器，所述授權允許第二用戶參與所述合約，亦即，第二用戶在商戶進行消費時，其消費額計入所述預定金額中，同時第二用戶也可享受所述預定折扣優惠。在步驟803，伺服器對第二用戶終端發出詢問請求，以詢問第二用戶是否接受第一用戶的授權。在步驟804，第二用戶可對伺服器的詢問進行回復。在步驟805，伺服器基於合約中的約定，對第二用戶設定權限。在步驟806，伺服器通知第二用戶其享有的權限。
在步驟807，第一用戶在預定時段內進行在商戶的消費，其在透過該支付平台進行支付時獲取所述折扣優惠。例如，商戶為交易平台中的商戶，第一用戶在交易平台中提交針對該商戶的訂單，並選擇該支付平台進行支付，從而使得在支付平台伺服器中調用第一用戶的權限，支付平台根據合約的約定向第一用戶終端返回第一用戶享受折扣之後的實際支付金額，以使得第一用戶在確認後進行支付。在步驟808，伺服器記錄第一用戶的實際支付金額。在一個實施例中，伺服器可基於該支付金額對第一用戶的支付總額進行累加。
在步驟809，第二用戶在預定時段內進行在商戶的消費，其在透過該支付平台進行支付時獲取所述折扣優惠。例如，商戶為交易平台中的商戶，第二用戶在交易平台中提交針對該商戶的訂單，並選擇該支付平台進行支付，從而使得在支付平台伺服器中調用第二用戶的權限，支付平台根據第二用戶的授權權限向第二用戶終端返回第二用戶享受折扣之後的實際支付金額，以使得第二用戶在確認後進行支付。在步驟810，伺服器記錄第二用戶的實際支付金額。在一個實施例中，伺服器可基於該支付金額對第一用戶的支付總額進行累加。
在步驟811，在預定時段結束時，伺服器確認支付總額是否達到預定額度。例如，伺服器透過對上述記錄的預定時段內的第一用戶和第二用戶的支付金額進行累加，從而獲取支付總額。在一個實施例中，伺服器透過上述在記錄支付金額時累加的值，直接獲取支付總額。從而基於支付總額確認其是否達到預定額度。在步驟812，在支付總額未達到預定額度時，向第一用戶發送優惠退回請求。例如，請求第一用戶向商戶退回第一用戶和第二用戶在預定時段內已享受的折扣優惠金額。在步驟813，平台可設定退回寬限期，在寬限期結束時，平台可確認第一用戶的優惠退回情況。在步驟814，在第一用戶未退回所述優惠的情況中，可對第一用戶進行相應的信用懲罰，如扣減信用值等。
圖9示出根據本說明書實施例的一種合約執行裝置900，所述合約由業務平台中的第一用戶基於其信用值簽署並提交至業務平台的伺服器，其中，所述合約中約定了所述第一用戶在預定時段中待完成的預定事務、及在進行所述預定事務時獲取的權益，所述裝置在所述伺服器端實施，包括：
接收單元901，配置為，從所述第一用戶的終端接收所述第一用戶基於所述合約對業務平台中的至少一個第二用戶的授權，所述授權允許所述至少一個第二用戶在所述預定時段內共同參與進行所述預定事務，並允許所述至少一個第二用戶在進行所述預定事務時獲取所述權益；
設定單元902，配置為，基於所述授權設定所述至少一個第二用戶各自的權限；
第一確定單元903，配置為，在所述預定時段結束時，確定所述第一用戶和所述至少一個第二用戶在所述預定時段中是否完成所述預定事務；以及
請求單元904，配置為，在所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，向所述第一用戶的終端發送權益退回請求，以請求所述第一用戶退回所述第一用戶和所述至少一個第二用戶已獲取的所述權益或其等同資源。
在一個實施例中，所述裝置還包括詢問單元905，配置為，在基於所述授權設定所述至少一個第二用戶各自的權限之前，分別詢問所述至少一個第二用戶是否接受所述授權，其中，所述設定單元還配置為，基於所述授權對所述至少一個第二用戶中接受所述授權的第二用戶設定權限。
在一個實施例中，所述裝置還包括通知單元906，配置為，在基於所述授權設定所述至少一個第二用戶各自的權限之後，通知所述至少一個第二用戶。
在一個實施例中，所述裝置還包括提醒單元907，配置為，在基於所述授權設定所述至少一個第二用戶各自的權限之後，在所述預定時段內，向所述第一用戶和所述至少一個第二用戶分別發送提醒，以提醒所述預定事務的相關資訊。
在一個實施例中，所述裝置還包括記錄單元908，配置為，在基於所述授權設定所述至少一個第二用戶各自的權限之後，在所述預定時段內，在所述第一用戶和所述至少一個第二用戶中的任一用戶進行所述預定事務之後，進行相應的記錄。
在一個實施例中，所述合約由所述第一用戶與所述業務平台和業務平台中的第三用戶簽署，其中，所述請求單元還配置為，在所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，向所述第一用戶的終端發送權益退回請求，以請求所述第一用戶在預定期限內向所述第三用戶退回所述第一用戶及所述至少一個第二用戶已獲取的所述權益或其等同資源。
在一個實施例中，所述合約由所述第一用戶與所述業務平台和業務平台中的第三用戶簽署，其中，所述請求單元還配置為，在所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，向所述第一用戶的終端發送權益退回請求，以請求所述第一用戶向所述業務平台退回所述第一用戶及所述至少一個第二用戶已獲取的所述權益或其等同資源，以使得所述業務平台將所述退回的權益或其等同資源發送給所述第三用戶。
在一個實施例中，所述合約由所述第一用戶與所述業務平台簽署，其中，所述請求單元還配置為，在所述第一用戶和所述至少一個第二用戶在所述預定時段中未完成所述預定事務的情況中，向所述第一用戶的終端發送權益退回請求，以請求所述第一用戶向所述業務平台退回所述第一用戶及所述至少一個第二用戶已獲取的所述權益或其等同資源。
在一個實施例中，所述裝置還包括第二確定單元909，配置為，在自向所述第一用戶的終端發送權益退回請求開始的預定期限結束時，確定所述第一用戶是否退回所述第一用戶及所述至少一個第二用戶已獲取的所述權益或其等同資源，及信用懲罰單元910，配置為，在所述第一用戶在所述預定期限內未退回所述權益或其等同資源的情況中，對所述第一用戶進行信用懲罰。
在一個實施例中，所述裝置還包括信用獎勵單元911，配置為，在所述第一用戶和所述至少一個第二用戶在所述預定時段中完成所述預定事務的情況中，增加所述第一用戶的信用值。
本說明書另一方面提供一種計算設備，包括記憶體和處理器，其特徵在於，所述記憶體中儲存有可執行碼，所述處理器執行所述可執行碼時，實現上述任一方法。
透過根據本說明書實施例的基於信用值的合約執行方案，實現了簽訂合約的用戶、平台、商戶等多方的互惠互利，有效促進了用戶對平台的利用率、在商戶的消費額、對商戶的宣傳等。
本說明書中的各個實施例均採用漸進的方式描述，各個實施例之間相同相似的部分互相參見即可，每個實施例重點說明的都是與其他實施例的不同之處。尤其，對於系統實施例而言，由於其基本上相似於方法實施例，所以描述的比較簡單，相關之處參見方法實施例的部分說明即可。
上述對本說明書特定實施例進行了描述。其它實施例在所附申請專利範圍的範疇內。在一些情況下，在申請專利範圍中記載的動作或步驟可以按照不同於實施例中的順序來執行並且仍然可以實現期望的結果。另外，在圖式中描繪的過程不一定要求示出的特定順序或者連續順序才能實現期望的結果。在某些實施方式中，多工處理和並行處理也是可以的或者可能是有利的。
本領域普通技術人員應該還可以進一步意識到，結合本文中所揭示的實施例描述的各示例的單元及演算法步驟，能夠以電子硬體、電腦軟體或者二者的結合來實現，為了清楚地說明硬體和軟體的可互換性，在上述說明中已經按照功能一般性地描述了各示例的組成及步驟。這些功能究竟以硬體還是軟體方式來執行，取決於技術方案的特定應用和設計約束條件。本領域普通技術人員可以對每個特定的應用來使用不同方法來實現所描述的功能，但是這種實現不應認為超出本發明的範圍。
結合本文中所揭示的實施例描述的方法或演算法的步驟可以用硬體、處理器執行的軟體模組，或者二者的結合來實施。軟體模組可以置於隨機記憶體(RAM)、記憶體、唯讀記憶體(ROM)、電可編程ROM、電可擦除可編程ROM、暫存器、硬碟、抽取式磁碟、CD-ROM、或技術領域內所公知的任意其它形式的儲存媒體中。
以上所述的具體實施方式，對本發明的目的、技術方案和有益效果進行了進一步詳細說明，所應理解的是，以上所述僅為本發明的具體實施方式而已，並不用來限定本發明的保護範圍，凡在本發明的精神和原則之內，所做的任何修改、等同替換、改進等，均應包含在本發明的保護範圍之內。 The embodiments of the present specification will be described below with reference to the drawings. FIG. 1 shows a schematic diagram of a contract execution system 100 according to an embodiment of the present specification. As shown in FIG. 1 , the system 100 may include a server 11 , a network 12 , mobile phones 13 to 14 , a computer 15 , and the like. The server 11 can be a physical server including an independent host, or the server 11 can be a virtual server hosted by a host cluster; the server 11 can host the business platform in this specification, for example, the business platform can be a payment platform . The mobile phone 13 is, for example, a terminal used by the first user, and the mobile phone 14 is, for example, a terminal used by a second user. The mobile phones 13 to 14 run a user terminal, and the user terminal can realize the technical solution in this specification and the first user or the terminal. Business functions related to the second user, wherein the first user and the second user can be individuals or enterprises; of course, in addition to the mobile phones 13 to 14, the first user or the second user Notebook computers, palmtop computers, wearable devices (such as smart glasses, smart watches, etc.) and other types of electronic devices are not limited in this manual. The computer 15 may be an electronic device used by a third user, and a client 2 runs on the computer 15, and the client 2 may implement the business functions related to the second user in the technical solutions of this specification, wherein the second user may be Merchants, etc.; of course, in addition to computers 15, third users can also use other types of electronic devices such as mobile phones, tablet devices, notebook computers, palmtop computers, wearable devices (such as smart glasses, smart watches, etc.) , this manual does not limit it. The mobile phones 13 to 14, the computer 15 and the server 11 interact through a network 12, which may include various types of wired or wireless networks, for example, the network 12 may include a public switched telephone network ( Public Switched Telephone Network, PSTN) and the Internet. When the system executes business, for example, the merchant (ie, the third user) first issues a contract on the platform through his computer 15 . Then, 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 predetermined transaction to be completed by the first user in the predetermined period, and obtains when the predetermined transaction is performed. 's rights. For example, the contract is a consumption contract. For example, the contract stipulates that the first user needs to spend 200 yuan at the merchant through the platform between 2018.12.01 and 2018.12.14. During this period, each consumption of the first user 20% off. The contract also stipulates that the first user can authorize up to three friends to participate in the contract. For example, 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 this period can be included in the quota of 200 yuan, and at the same time, he can enjoy a 20% discount. After the predetermined period ends, if the total consumption of the merchant by the first user and the second user reaches 200 yuan within the predetermined period, the server 11 will increase the credit value of the first user. If the total consumption of the merchant by the first user and the second user does not reach 200 yuan within the predetermined period, the server 11 will prompt the first user to refund the benefits enjoyed by the first user and the second user to the merchant within the specified period (ie the amount corresponding to the 20% discount). If the first user does not refund the benefit within the specified 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. It can be understood that the system 100 shown in FIG. 1 is only exemplary rather than restrictive. For example, in addition to the mobile phones 13, 14 and the computer 15, the system 100 may also include multiple terminals of other users, and all The above-mentioned business platform is not limited to a payment platform, for example, it can also be a resource sharing platform, a trading platform, and the like. Fig. 2 shows a contract execution method according to an embodiment of the present specification, the contract is signed by a first user in the business platform based on his credit value and submitted to the server of the business platform, wherein the contract stipulates the The predetermined transaction to be completed by the first user in a predetermined period, and the rights and interests obtained when the predetermined transaction is performed, the method is executed on the server side, including: In step S202, from the terminal of the first user receiving authorization from the first user to at least one second user in the business platform based on the contract, the authorization allowing the at least one second user to jointly participate in the predetermined transaction within the predetermined period, and allowing The at least one second user acquires the benefit when performing the predetermined transaction; in step S204, setting the respective authority of the at least one second user based on the authorization; in step S206, at the end of the predetermined period , determining whether the first user and the at least one second user complete the predetermined transaction during the predetermined period; and at step 208, in the first user and the at least one second user at the In the case where the predetermined transaction is not completed within a predetermined period of time, send a benefit return request to the terminal of the first user, so as to request the first user to return the rights acquired by the first user and the at least one second user. said benefit or its equivalent. First, in step S202, an authorization from 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 and jointly participate in performing the predetermined transaction within the predetermined time period, and allow the at least one second user to obtain the benefit when performing the predetermined transaction. As mentioned above, the platform can be, for example, various business platforms such as a resource sharing platform, a transaction platform, and a payment platform. Corresponding to different platforms, 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. For example, in the scenario of a resource sharing platform, for example, the platform is a data sharing platform, the contract can be initiated by the platform (for example, publishing an event page), and signed by the first user based on his credit value (for example, clicking on the the Confirm Participation button on the event page described above). The credit value can be generated by the platform itself, or obtained from any credit management platform. For example, the platform may set that the first user can only participate in the signing of the contract when the credit value is higher than a predetermined value. In this contract, the predetermined transaction is, for example, that the amount of data shared (uploaded) to the platform in the data exchange between the first user and the platform within a predetermined month (eg, December 2018) should reach at least 10G. The data exchange is that the first user obtains the download authority to the data in the platform by sharing the data in his terminal with the platform. Typically, for example, a platform specifies that a user can download 1G of data from the platform by sharing 1G of data with the platform. In the contract, for example, it can be agreed that during this period, each time the first user shares data with the platform, 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 the shared data. The amount of downloaded data, that is, the rights and interests obtained by the first user through the credit contract is the amount of free downloaded data. For example, when the first user uploads 5G data, in addition to downloading 5G data from the platform, he will also receive 1G of free download data, that is, after uploading 5G data to the platform, the first user can download data from the platform Download 6G data. In one embodiment, the contract also stipulates that the first user may authorize, for example, up to three other users to participate in the execution of the contract. For example, the first user authorizes the second user to participate in the contract by clicking the authorization button on the activity page (or the contract page) on his mobile phone client. After the first user clicks the button, the authorization information will be sent to the platform server. This authorization allows the second user to enjoy the right to receive 1/5 of the free download amount when sharing data on the platform in December 2018, and the amount of data shared (uploaded data) of the second user is included in the first A user's agreed upload amount (ie, 10G). In one embodiment, the contract also stipulates that the second user can only participate in the contract once, that is, the amount of the shared data can only be included in the agreed shared amount in one data exchange in December, and In this data exchange, you can enjoy the right to receive 1/5 of the data sharing amount of the platform as a gift of downloads. Since the first user's own data resources are limited, based on the above-mentioned authorization scheme based on the credit contract, the second user can be made to explain the first user's agreed data upload amount based on its data resources, so as to motivate the first user and the second user's data Sharing behavior, which enables effective sharing of data in a common platform. In a scenario such as a payment platform, the contract may be a contract between the payment platform, the first user and the third user (merchant in the platform). For example, the contract is a consumption contract. In this 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, and the rights and interests For example, during this period, the first user can enjoy a 20% discount for each consumption at the merchant. In one embodiment, the contract also stipulates that the first user can authorize up to three users to participate in the contract, and the authorized users' consumption at the merchant through the platform during this period can be counted into the quota of 200 yuan , and enjoy a 20% discount. In one embodiment, the contract also stipulates that the authorized user can only participate in the predetermined transaction twice, that is, the authorized user can only enjoy a 20% discount on the two purchases made by the merchant through the payment platform within this period. discount. Based on the contract, the first user authorizes the second user to participate in the contract on its client side, for example. After the authorization, the first user client sends the authorization information to the platform server. Through this contract, on the one hand, the first user does not need to add value to the consumer card at the merchant in advance to avoid the first user's property loss due to the closure of the merchant, and on the other hand, the merchant can lock the first user's consumption in advance based on the above commitment. In the case where it is difficult for the first user to complete the consumption quota, the first user can authorize the second user to complete his quota and enjoy discounts at the same time, thereby avoiding the excess resources of the first user and making the second user The user also enjoys the preferential treatment, and also promotes the merchant to the second user, thereby achieving mutual benefits for many 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. As shown in Figure 3, the buyer can browse the contract display interface on the payment platform, for example, this interface is used to display the credit contract issued by the merchant, so that the buyer can determine the rights that can be obtained after participating and what needs to be completed. Obligations, among which, the rights can include enjoying discounts (20% off), and obligations can include “accumulated consumption of 200 yuan during the period from 2018.12.01 to 2018.12.14”, and “if the consumption during the period is less than 200 yuan, the discount will be refunded. amount". Among them, when the buyer clicks the "Confirm Participation" option in the interface, the signing of the contract is confirmed. In one embodiment, the interface may also include an option of "specific rules of credit contract" to show the user the reward and punishment rules based on credit value after clicking, for example, in the case where the first user does not refund the preferential amount when it expires , deduct the credit value of the first user, and so on. After the first user signs the credit contract shown in Fig. 3, the APP can generate, for example, a contract execution page as shown in Fig. 4. The contract execution page shows the name of the merchant and the start and end time of the predetermined period. Information such as consumption amount, discounts enjoyed, etc. The contract execution page also includes an option of "invite friends". After the first user selects a friend (for example, the second user) in the pop-up friend list by clicking this option, the APP can pop up as shown in Figure 5 Authorization interface. In addition, the contract execution page shown in FIG. 4 may further include transaction records for the first user and the second user within the predetermined period. The transaction record includes, for example, transaction time, transaction id, transaction payment amount, discount amount, and other information. As shown in FIG. 5 , the interface shows that after the first user determines to invite the second user, the authority possessed by the second user (can enjoy a 20% discount in one visit to the store during the said period, the amount of this consumption Included in the quota of 200 yuan), and the obligations of the first user (during the said period, when the quota of 200 yuan for the first user is not reached, the discount amount of the second user is also included in the discount amount to be refunded by the first user. middle). After the first user clicks "Confirm Invitation" in the authorization interface, the APP sends the authorization of the first user to the second user to the server. In one embodiment, the transaction between the first user and the merchant is an offline transaction, and the merchant is a merchant in a brick-and-mortar store who can introduce activities related to the contract to the first user in person , and prompt 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. After participating in the contract, the first user urges the first user to consume at the merchant, and urges the first user to pay through the payment platform when consuming at the merchant. At the same time, after the first user authorizes the second user, the second user is also prompted to consume at the merchant and pay through the payment platform. In one embodiment, the transaction between the first user and the merchant is an online transaction. For example, the merchant is a merchant in a transaction platform, and the merchant can publish the contract with the payment platform in the transaction platform. A corresponding activity page to prompt the first user in the trading platform to sign the contract. The first user may authorize a second user in the transaction platform to participate in the contract, thereby facilitating consumption at the merchant by the first user and the second user, and use of the payment platform by the first user and the second user. In one embodiment, the predetermined time period may be a fixed time period defined by the set start time and end time. For example, the start time is June 10, 2018, and the end time is July 9, 2018, then The booking period is from June 10, 2018 to July 9, 2018. In one embodiment, the predetermined time period may be a non-fixed time period with a predetermined duration. For example, when the predetermined duration is one month, it is assumed that the first user sends information to the business platform on June 10, 2018, and the predetermined duration is The time period can be within one month from June 10, 2018, and assuming that the first user sends information to the business platform on July 12, 2018, the predetermined time period can be one month from July 12, 2018 Inside. In the above embodiment, the rights and interests are all discounts for the resources (such as the amount of uploaded data, cash, etc.) paid by the first user. However, in the embodiments of this specification, the rights and interests are not limited to discounts. For example, in the above resource sharing platform scenario, the rights and interests can also be high-speed download rights, high-speed upload rights, etc. presented by the platform. Free shipping and other benefits. In the above embodiments, the predetermined transactions are all predetermined transactions performed through the platform, however, the predetermined transactions are not limited to be completed through the platform. For example, the platform can be a credit management platform, and merchants with physical stores can sign contracts with the credit management platform to carry out marketing activities based on credit contracts. The first user or the second user does not need to pay through the credit management platform when consuming at the merchant, but can use any payment method, and only need to present the QR code to enjoy the discount. In the above embodiment, the platforms are respectively a resource sharing platform, a payment platform, and a credit management platform. However, the platforms are not limited to the above-mentioned example platforms, but can be other various platforms, for example, it can also be a transaction platform Platforms, etc., are not listed here. In step S204, the respective authority of the at least one second user is 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, and allowing the at least one second user to The benefit is acquired when the predetermined transaction is performed. In addition, the permission may further include the maximum number of times that the second user can participate in the predetermined transaction as agreed in the contract, and the like. For example, in the above resource sharing platform scenario, the second user's authority can be set to include the second user's upload data volume into the first user's 10G upload when the second user exchanges data with the platform within the predetermined period of time In the amount of data, that is, the action of exchanging data can be regarded as performing the predetermined transaction, and at the same time, when the second user exchanges data, he can obtain the rights and interests agreed in the contract of the first user, that is, obtain the uploaded data. 1/5 of the platform will give away the amount of downloaded data. In the case where the maximum number of times (for example, 1 time) is agreed in the contract, it can also be set that, in one exchange of data between the second user and the platform within the predetermined period, the amount of data uploaded by the second user is included in the first A user's 10G upload data quota. In another embodiment, for example, in the above-mentioned payment platform scenario, the authority of the second user may be set to, when the second user consumes at the merchant within a predetermined period, the consumption amount of the second user at the merchant It is included in the amount in the first user's contract (ie, 200 yuan), and at the same time, the second user's consumption enjoys the rights and interests agreed in the first user's contract, that is, enjoys a 20% discount on the consumption amount. In one embodiment, the at least one second user is individually queried whether to accept the authorization before the respective permissions of the at least one second user are set based on the authorization, wherein the at least one second user is set based on the authorization The respective rights of the second users include, based on the authorization, setting rights for a second user of the at least one second user who accepts the authorization. For example, in the above payment platform scenario, the second user may want to participate in the contract signed by himself, that is, he has the consumption limit he needs to complete, so he does not want to include his consumption at the merchant into the first user's In the agreed quota, in this case, the second user may refuse the authorization after the server asks whether to accept the authorization of the first user. In one embodiment, the at least one second user is notified after the respective permissions of the at least one second user are set based on the authorization. After the at least one second user is notified of the authorization, the at least one second user is notified of the preferential benefit, thereby prompting the second user to perform the predetermined transaction. In one embodiment, after the respective permissions of the at least one second user are set based on the authorization, within the predetermined period, reminders are sent to the first user and the at least one second user, respectively, to Reminder of the relevant information of the predetermined transaction. For example, in the case where the contract limits the number of times the second user participates in the predetermined transaction, the second user may be reminded of the remaining number of times to perform the predetermined transaction, the remaining time of the predetermined period, and the like. By sending reminders to the first user and at least one second user, the first user and at least the second user are prompted to perform the predetermined transaction within a predetermined period to enjoy the benefit, thereby facilitating the performance of the contract. In one embodiment, the reminder may be sent at a certain frequency, for example, once a week. In one embodiment, after the respective permissions of the at least one second user are set based on the authorization, when the second user terminal triggers a call to the permission, the server sends a message to the second user terminal. The result of invoking said permission. For example, in the above payment platform scenario, when the second user terminal uses the payment platform to consume at the merchant, a call to the authority of the second user is triggered, and the server executes the corresponding program after the trigger, that is, the second user The consumption amount of the user is included in the agreed amount of the first user, and the discounted price is returned to the second user terminal so that the second user can confirm the payment. Thus, the second user can participate in the predetermined transaction agreed in the contract, and enjoy the rights and interests agreed in the contract. In step S206, when the predetermined period ends, it is determined whether the first user and the at least one second user complete the predetermined transaction during the predetermined period. In one embodiment, in the above scenario of the resource sharing platform, in the case that the number of times the second user performs the predetermined transaction is not stipulated in the contract, the first user and the at least one second user exchange data each time within the predetermined period. , the platform will record the amount of data uploaded by the user for this data exchange, and accumulate these amounts of data. At the end of the predetermined period, the platform can automatically acquire the accumulated data amount, determine whether the accumulated data amount reaches the contractually agreed data amount (ie, 10G), that is, determine whether the predetermined transaction is completed. Similarly, in the above payment platform scenario, in the case where the number of times the second user performs the predetermined transaction is not stipulated in the contract, the first user and at least one second user conduct each transaction through the payment platform within the predetermined period of time. When the above-mentioned merchant's consumption is mentioned, the platform will record the consumption amount of this consumption (for example, the actual consumption amount after discount), and accumulate these consumption amounts. At the end of the predetermined period, the platform can automatically obtain the accumulated amount to determine whether the amount agreed in the contract (ie, RMB 200) is reached, that is, to determine whether to complete the predetermined transaction. In addition, in the above example of the information management platform, the information management platform cannot directly obtain the information on the amount consumed by the first user or the second user at the merchant. The first user and at least one second user can upload the consumption receipt to the platform, for example, for the platform to determine whether the first user and at least one second user complete the predetermined transaction. In step 208, in the event that the first user and the at least one second user have not completed the predetermined transaction within the predetermined period, send a benefit return request to the terminal of the first user to request all The first user returns the benefits or equivalent resources that have been acquired by the first user and the at least one second user. In one embodiment, in the above payment platform scenario, the contract is a three-party contract jointly signed by the first user, the platform, and the merchant. After determining that the first user and the at least one second user are in the predetermined period In the case where the predetermined transaction is not completed, the liability for breach of the contract shall be borne by the first user alone. For example, when the consumption amount of the first user and the at least one second user within the predetermined period does not reach the predetermined amount, the first user should return the first user and the at least one second user to the merchant through the payment platform. The rights or equivalent resources enjoyed during consumption during the predetermined period. The benefit is, for example, a discount, so the benefit can be returned directly through the payment platform. In the case where the rights and interests are gifts of goods, services, etc. to the merchant, the server may determine the equivalent amount of the gifted goods and services, and request the first user to return the first user and at least one second user to the merchant through the payment platform The equivalent amount of all gifted goods and services received. Since the first user returns the amount of the merchant through the payment platform, the payment platform can know whether the first user has returned the money, and thus perform corresponding credit management on the first user. FIG. 6 shows a schematic diagram of a request interface for returning benefits displayed to the first user on the APP of the first user. When the first user and at least one second user fail to consume the agreed amount at the merchant within a predetermined period of time, the payment platform may send the first user a request as shown in FIG. 6 , which may inform the first user of his participation Information on discount activities, reasons for refunding benefits, amount of discounts received, etc. The first user may refund the benefit by triggering the "Refund Offer" option in the request interface. In one embodiment, in the above resource sharing platform scenario, the contract is signed by the first user and the platform, and the first user and the at least one second user have not signed the contract within the predetermined period of time. In the case of completing the predetermined transaction, 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 business platform. The said benefit or its equivalent resource that the user has acquired. For example, requesting the first user to upload to the platform material equivalent to the amount of free downloads that the first user and the second user have acquired within a predetermined period, or requesting the first user to transfer money to the platform equivalent to the amount of material and many more. In one embodiment, for example, in a scenario where the business platform is a trading platform, the contract is signed by the first user and the trading platform and a third user in the trading platform, wherein the first user and the third user in the trading platform sign the contract. In the case where the at least one second user fails to complete the predetermined transaction within the predetermined time period, a request for return of benefits is sent to the terminal of the first user, so as to request the first user to return the said platform to the platform. The benefit or its equivalent resource that the first user and the at least one second user have acquired, so that the platform sends the returned benefit or its equivalent resource to the third user. Through the transfer of the refunded rights between the first user and the merchant by the trading platform, the trading platform can know whether the first user has returned the rights and interests, so as to carry out the credit management of the first user. In one embodiment, the platform may set a grace period for the return of benefits, such as one month from the platform sending the request for the return of benefits. After the grace period expires, the platform server determines whether the first user returns the benefits or equivalent resources that have been acquired by the first user and the at least one second user, where the first user In the case that the rights or their equivalent resources are not returned within the predetermined period, the first user is subject to a credit penalty. For example, the credit penalty may include deduction of 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 is When the credit value is maintained by the credit management platform, the business platform may give feedback to the credit management platform, so that the credit management platform deducts the credit value of the first user. For another example, the credit penalty may include restricting the business participation authority of the first user, so that the first user cannot subsequently participate in the signing of the credit contract based on this specification. For another example, the credit penalty may include marking the first user as an untrustworthy person, and may also share the record information of the untrustworthy person to other platforms, which will cause adverse effects on the first user in the subsequent process. Of course, other forms of credit punishment may also be adopted, or multiple credit punishment methods may be adopted at the same time, which are not limited in this specification. In one embodiment, after sending a benefit return request to the terminal of the first user, in the case that the first user does not return the benefit or its equivalent resource, the server may actively request the first user from the first user Resource equivalent to the rights and interests acquired by the first user and the at least one second user is deducted from the corresponding user resource pool to return the rights and interests. For example, in the scenario of the above resource sharing platform, 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 sequence or preset sequence of the data, as a Penalty for the first user. For example, in the scenario of a payment platform, the user resource pool can be the account of the first user, and the payment platform has the deduction authority (the first user can grant the deduction authority to the business platform when making a commitment 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. In one embodiment, where the first user and the at least one second user complete the predetermined transaction within the predetermined time period, a credit award to the first user may be made, eg, increasing the The credit value of the first user. FIG. 7 shows a schematic diagram of business interaction in a resource sharing platform scenario. As shown in FIG. 7, in step 701, the first user signs a data exchange contract with the platform through his terminal. The contract defines that the first user needs to exchange data with the platform server at least a predetermined amount of data upload within a predetermined period, and stipulates that the first user can obtain a predetermined proportion of the data upload amount when performing the data exchange. The amount of free download data. In step 702, the first user sends to the server an authorization for at least one second user, the authorization allows the second user to participate in the contract, that is, when the second user uploads data on the platform, his data uploads The amount is included in the predetermined data upload amount in the contract, and at the same time, the second user can receive the same proportion of the free download data amount as a gift on the platform. In step 703, the server sends an inquiry request to the second user terminal to inquire whether the second user accepts the authorization of the first user. In step 704, the second user may reply to the server's query, eg, by clicking the "Yes" option on the query interface, the second user may reply to the authorization for the authorization. In step 705, the server sets permissions for the second user based on the agreement in the contract. In step 706, the server notifies the second user of the rights he has. In step 707, the first user exchanges data with the platform, and receives the amount of downloaded data as a gift. For example, the first user uploads 5G data to the platform, and the first user can download 5G data from the platform. According to the contract, the first user can receive, for example, 1G data, that is, the first user can Download a total of 6G of data. In step 708, the server records the data upload amount of the first user. In one embodiment, the server may accumulate the total amount of data uploading of the first user based on the data uploading amount. In step 709, the second user exchanges data with the platform, and receives the amount of downloaded data as a gift. For example, after the second user uploads 5G data to the platform, trigger the server to call the second user's permission, so as to determine that the second user is given 1G of downloaded data, so as to notify the second user that a total of 6G of data can be downloaded . In step 710, the server records the data upload amount of the second user. In one embodiment, the server may accumulate the total amount of data uploaded by the first user based on the data uploaded by the second user. In step 711, at the end of the predetermined period, the server confirms whether the total amount of uploaded data reaches the predetermined amount of data. For example, the server obtains the total amount of data upload 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 amount of data upload through the above-mentioned total amount of data upload accumulated when recording the data upload amount. Thereby, it is confirmed whether it reaches the predetermined amount of data based on the total amount of data uploaded. In step 712, when the total amount of data uploaded does not reach the predetermined amount, a request for returning the rights and interests is sent to the first user. For example, requesting the first user to upload to the platform material equivalent to the amount of free downloads that the first user and the second user have acquired within a predetermined period, or requesting the first user to transfer money to the platform equivalent to the amount of material and many more. In step 713, 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 of the first user. In step 714, in the case that the first user does not return the rights and interests, corresponding credit penalties may be imposed on the first user, such as deduction of credit value. FIG. 8 shows a schematic diagram of business interaction in a payment platform scenario. As shown in FIG. 8, in step 801, the first user signs a consumption contract with the platform and the merchant through his terminal. The contract defines that the first user needs to spend a predetermined amount at the merchant through the payment platform within a predetermined period, and stipulates that the first user can enjoy a predetermined discount when making consumption at the merchant within the predetermined period. In step 802, the first user sends to the server an authorization for at least one second user, the authorization allows the second user to participate in the contract, that is, when the second user consumes at the merchant, the consumption amount is credited to the server In the predetermined amount, the second user can also enjoy the predetermined discount. In step 803, the server sends an inquiry request to the second user terminal to inquire whether the second user accepts the authorization of the first user. In step 804, the second user may reply to the query from the server. In step 805, the server sets permissions for the second user based on the agreement in the contract. In step 806, the server notifies the second user of the rights he has. In step 807, the first user makes consumption at the merchant within a predetermined period, and obtains the discount when making payment through the payment platform. For example, 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 for payment, so that the authority of the first user is invoked in the payment platform server, and the payment platform is based on the payment platform. According to the contract, the actual payment amount after the first user enjoys the discount is returned to the first user terminal, so that the first user makes payment after confirmation. In step 808, the server records the actual payment amount of the first user. In one embodiment, the server may accumulate the total payment amount of the first user based on the payment amount. In step 809, the second user makes consumption at the merchant within a predetermined period, and obtains the discount when making payment through the payment platform. For example, 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 authorization of the second user is invoked in the payment platform server, and the payment platform is based on the payment platform. The authorization authority of the second user returns the actual payment amount after the second user enjoys the discount to the second user terminal, so that the second user makes payment after confirmation. In step 810, the server records the actual payment amount of the second user. In one embodiment, the server may accumulate the total payment amount of the first user based on the payment amount. In 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 of time recorded above. In one embodiment, the server directly obtains the total payment amount through the accumulated value when recording the payment amount. Thereby, it is confirmed whether it reaches the predetermined amount based on the total payment amount. In step 812, when the total payment amount does not reach the predetermined amount, a request for returning the discount is sent to the first user. For example, the first user is requested to refund the discount amount that the first user and the second user have enjoyed within a predetermined period to the merchant. In step 813, 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. In step 814, in the case that the first user does not return the discount, a corresponding credit penalty 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 by the first user in the business platform based on his credit value and submitted to the server of the business platform, wherein the contract stipulates all The predetermined transaction to be completed by the first user in a predetermined period, and the rights and interests obtained when the predetermined transaction is performed, the apparatus is implemented on the server side, and includes: a receiving unit 901, configured to receive from the first user A terminal of a user receives an authorization from the first user to at least one second user in the business platform based on the contract, the authorization allows the at least one second user to jointly participate in the reservation within the predetermined period transaction, and allow the at least one second user to obtain the benefit when performing the predetermined transaction; a setting unit 902, configured to set the respective authority of the at least one second user based on the authorization; a first determination unit 903, configured to, at the end of the predetermined period, determine whether the first user and the at least one second user complete the predetermined transaction in the predetermined period; and the requesting unit 904, configured to, in the In the case where the first user and the at least one second user do not complete the predetermined transaction within the predetermined period, send a benefit return request to the terminal of the first user to request the first user to return all the benefits or their equivalent resources that have been acquired by the first user and the at least one second user. In one embodiment, the apparatus further includes an inquiry unit 905 configured to, before setting the respective authority of the at least one second user based on the authorization, respectively ask the at least one second user whether to accept the authorization , wherein the setting unit is further configured to, based on the authorization, set an authority for a second user of the at least one second user who accepts the authorization. In one embodiment, the apparatus further includes a notification unit 906 configured to notify the at least one second user after setting the respective authority of the at least one second user based on the authorization. In one embodiment, the apparatus further includes a reminding unit 907 configured to, after setting the respective authority of the at least one second user based on the authorization, within the predetermined period of time, notify the first user and the The at least one second user sends reminders respectively to remind relevant information of the predetermined transaction. In one embodiment, the apparatus further includes a recording unit 908 configured to, after setting the respective rights of the at least one second user based on the authorization, within the predetermined period of time, the first user and the After any one of the at least one second user performs the predetermined transaction, a corresponding record is performed. In one embodiment, the contract is signed by the first user and the business platform and a third user in the business platform, wherein the requesting unit is further configured to, between the first user and the at least one In the case where a second user does not complete the predetermined transaction within the predetermined period, sending a request for a refund of benefits to the terminal of the first user to request the first user to refund the third user within a predetermined period The benefit or its equivalent that has been acquired by the first user and the at least one second user. In one embodiment, the contract is signed by the first user and the business platform and a third user in the business platform, wherein the requesting unit is further configured to, between the first user and the at least one In the case where the second user fails to complete the predetermined transaction within the predetermined time period, send a request for return of benefits to the terminal of the first user, so as to request the first user to return the first user to the business platform The rights or the equivalent resources that the user and the at least one second user have acquired, so that the business platform sends the returned rights or the equivalent resources to the third user. In one embodiment, the contract is signed by the first user and the business platform, wherein the requesting unit is further configured to: In the case where the predetermined transaction is not completed within the time period, send a benefit return request to the terminal of the first user, so as to request the first user to return the first user and the at least one second user to the business platform. The said benefit or its equivalent resource that the user has acquired. In one embodiment, the apparatus further includes a second determining unit 909, configured to, at the end of a predetermined period since the sending of the benefit return request to the terminal of the first user, determine whether the first user returns all the rights or their equivalent resources that have been acquired by the first user and the at least one second user, and a credit penalty unit 910, configured to not return the rights or benefits within the predetermined period by the first user or In the case of its equivalent resources, the credit penalty is imposed on the first user. In one embodiment, the apparatus further includes a credit awarding unit 911 configured to, in the event that the first user and the at least one second user complete the predetermined transaction within the predetermined time period, increase all Describe the credit value of the first user. Another aspect of the present specification provides a computing device including a memory and a processor, wherein executable code is stored in the memory, and when the processor executes the executable code, any one of the above methods is implemented. Through the contract execution scheme based on credit value according to the embodiment of this specification, the mutual benefit of users, platforms, merchants and other parties who sign contracts is realized, and the utilization rate of the platform by users, the consumption amount at the merchants, and the payment to the merchants are effectively promoted. publicity, etc. Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and reference may be made to the partial descriptions of the method embodiments for related parts. The foregoing describes specific embodiments of the present specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. Additionally, the processes depicted in the figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multiplexing and parallel processing are also possible or may be advantageous. Those of ordinary skill in the art should further realize that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented by electronic hardware, computer software, or a combination of the two. To illustrate the interchangeability of hardware and software, the above description has generally described the composition and steps of each example in terms of functions. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Those of ordinary skill in the art may use different methods of implementing the described functionality for each particular application, but such implementations should not be considered beyond the scope of the present invention. The steps of a method or algorithm described in connection with the embodiments disclosed herein may be implemented in hardware, a software module executed by a processor, or a combination of the two. Software modules can be placed in random access memory (RAM), memory, read only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, scratchpad, hard disk, removable disk, CD - ROM, or any other form of storage medium known in the art. The specific embodiments described above further describe the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above descriptions are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.