Contract overdue processing method and device, computer equipment, readable storage medium and program product

Abstract

The invention relates to a contract overdue processing method and device, computer equipment, a readable storage medium and a program product, and the method comprises the steps: extracting an actual performance date of a contract object based on stored performance record information of the contract object; extracting an agreed date about the performance behavior in the contract, and comparing the agreed date with the actual performance date; under the condition that the comparison result shows that the actual performance date is later than the agreed date, the number of overdue days of which the actual performance date is later than the agreed date is determined; determining an overdue grade corresponding to the overdue day number in a preset overdue grade table based on the overdue day number; wherein the overdue grade table comprises a mapping relation between the overdue day number and the overdue grade; determining a target processing scheme corresponding to the overdue level in a preset overdue processing scheme library based on the overdue level, and executing the target processing scheme for the contract object; wherein the overdue processing scheme library comprises the mapping relation between the overdue level and the processing scheme, and the execution efficiency and the execution flexibility of overdue processing can be improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, apparatus, computer equipment, readable storage medium and program product for handling overdue contracts. Background Art

[0002] Overdue penalty management is a common functional scenario in e-commerce systems. Current overdue penalty management technology generally relies on manual review and adopts unified penalty measures for different degrees of overdue behaviors. This not only consumes a lot of manpower to deal with overdue problems, but also fails to carry out differentiated penalties for different overdue situations, resulting in untimely judgment of overdue behaviors. Summary of the invention

[0003] Based on this, it is necessary to provide a contract overdue processing method and a contract overdue processing system that can improve the efficiency of handling overdue events in response to the above technical problems.

[0004] In a first aspect, the present application provides a method for handling overdue contracts, comprising:

[0005] Extracting the actual performance date of the contract object based on the stored performance record information of the contract object;

[0006] Extracting the agreed date associated with the performance in the contract and comparing it with the actual performance date;

[0007] If the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days that the actual performance date is later than the agreed date;

[0008] Based on the number of overdue days in a preset overdue grade table, determining the overdue grade corresponding to the number of overdue days; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade;

[0009] Based on the overdue grade, a target processing solution corresponding to the overdue grade is determined in a preset overdue processing solution library, and the target processing solution is executed for the contract object; wherein the overdue processing solution library includes a mapping relationship between the overdue grade and the processing solution.

[0010] In one embodiment, the method further comprises:

[0011] In the case where the determined target processing solution includes reducing the credit score of the contract object, extracting a preset credit score deduction base, and obtaining a deduction coefficient corresponding to the overdue days in a preset deduction coefficient table; wherein the deduction coefficient table includes a mapping relationship between the overdue days and the deduction coefficient;

[0012] The target total number of deductions for the credit score is determined based on the product of the deduction coefficient and the number of overdue days and the sum of the credit score deduction base.

[0013] In one embodiment, the method further comprises:

[0014] In the case where the determined target processing solution includes reducing the credit score of the contract object, extracting a preset credit score deduction base;

[0015] Based on the product of the credit score deduction base and the exponential function corresponding to the overdue days, the target total number of deductions for the credit score is determined; wherein the independent variable of the exponential function is the product of the preset deduction increase coefficient and the overdue days, and the base of the exponential function is a natural constant.

[0016] In one embodiment, after executing the target processing solution for the contract object, the method further includes:

[0017] In the event that the target processing solution fails to be executed for the contract object, processing failure prompt information is generated and sent to an administrator matching the contract object.

[0018] In one embodiment, the method further comprises:

[0019] If the comparison result indicates that the actual performance date is earlier than the agreed date, determine the number of days the actual performance date is earlier than the agreed date;

[0020] A performance reward is determined based on the advance days, and the performance reward is distributed to the contract object; wherein the performance reward includes increasing the credit score of the contract object.

[0021] In one embodiment, after executing the target processing solution for the contract object, the method further includes:

[0022] When the target processing solution is successfully executed on the contract object, the processing event and the information of successful processing are stored.

[0023] In a second aspect, the present application also provides a contract overdue processing device, comprising:

[0024] A data extraction module is used to extract the actual performance date of the contract object based on the performance record information of the saved contract object; extract the agreed date associated with the performance behavior in the contract, and compare it with the actual performance date;

[0025] A data processing module, configured to determine the number of overdue days that the actual performance date is later than the agreed date when the comparison result indicates that the actual performance date is later than the agreed date; and determine the overdue grade corresponding to the overdue days in a preset overdue grade table based on the overdue days; wherein the overdue grade table includes a mapping relationship between the overdue days and the overdue grade;

[0026] A result output module is used to determine the target processing solution corresponding to the overdue level in a preset overdue processing solution library based on the overdue level, and execute the target processing solution for the contract object; wherein the overdue processing solution library includes a mapping relationship between the overdue level and the processing solution.

[0027] In a third aspect, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0028] Extracting the actual performance date of the contract object based on the stored performance record information of the contract object;

[0029] Extracting the agreed date associated with the performance in the contract and comparing it with the actual performance date;

[0030] If the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days that the actual performance date is later than the agreed date;

[0031] Based on the number of overdue days in a preset overdue grade table, determining the overdue grade corresponding to the number of overdue days; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade;

[0032] Based on the overdue grade, a target processing solution corresponding to the overdue grade is determined in a preset overdue processing solution library, and the target processing solution is executed for the contract object; wherein the overdue processing solution library includes a mapping relationship between the overdue grade and the processing solution.

[0033] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the following steps are implemented:

[0034] Extracting the actual performance date of the contract object based on the stored performance record information of the contract object;

[0035] Extracting the agreed date associated with the performance in the contract and comparing it with the actual performance date;

[0036] If the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days that the actual performance date is later than the agreed date;

[0037] Based on the number of overdue days in a preset overdue grade table, determining the overdue grade corresponding to the number of overdue days; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade;

[0038] Based on the overdue grade, a target processing solution corresponding to the overdue grade is determined in a preset overdue processing solution library, and the target processing solution is executed for the contract object; wherein the overdue processing solution library includes a mapping relationship between the overdue grade and the processing solution.

[0039] In a fifth aspect, the present application further provides a computer program product, including a computer program, which implements the following steps when executed by a processor:

[0040] Extracting the actual performance date of the contract object based on the stored performance record information of the contract object;

[0041] Extracting the agreed date associated with the performance in the contract and comparing it with the actual performance date;

[0042] If the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days that the actual performance date is later than the agreed date;

[0043] Based on the number of overdue days in a preset overdue grade table, determining the overdue grade corresponding to the number of overdue days; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade;

[0044] Based on the overdue grade, a target processing solution corresponding to the overdue grade is determined in a preset overdue processing solution library, and the target processing solution is executed for the contract object; wherein the overdue processing solution library includes a mapping relationship between the overdue grade and the processing solution.

[0045] In the contract overdue processing method, device, computer equipment, readable storage medium and program product provided by the present application, the contract overdue processing method extracts the actual performance date of the contract object based on the performance record information of the saved contract object; extracts the agreed date associated with the performance behavior in the contract and compares it with the actual performance date; when the comparison result indicates that the actual performance date is later than the agreed date, determines the number of overdue days that the actual performance date is later than the agreed date; based on the number of overdue days, determines the overdue grade corresponding to the number of overdue days in the preset overdue grade table; wherein the overdue grade table includes the mapping relationship between the number of overdue days and the overdue grade; based on the overdue grade, determines the target processing scheme corresponding to the overdue grade in the preset overdue processing scheme library, and executes the target processing scheme for the contract object; wherein the overdue processing scheme library includes the mapping relationship between the overdue grade and the processing scheme. In this way, when there is a performance overdue behavior of the contract object, the corresponding target processing scheme is automatically selected for different degrees of performance overdue behavior, and the target processing scheme is automatically executed on the contract object, which is conducive to improving the execution efficiency and execution flexibility of overdue processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0047] Figure 1 This is an application environment diagram of a method for handling overdue contracts in one embodiment;

[0048] Figure 2 A flowchart of a method for handling overdue contracts in one embodiment;

[0049] Figure 3 A flowchart of a method for handling overdue contracts in another embodiment;

[0050] Figure 4 It is a structural block diagram of a device for handling overdue contracts in one embodiment;

[0051] Figure 5 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0053] The contract overdue processing method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. The data storage system can be used to store contract object information, such as the performance record information of the contract object, the actual performance date of the contract object, and can also store a preset overdue grade table, a preset overdue processing solution library, etc. Among them, the terminal 102 can be but is not limited to various personal computers, laptops, smart phones, and tablets. The server 104 can be an independent physical server, or it can be a server cluster or distributed system composed of multiple physical servers, or it can be a cloud server that provides cloud computing services.

[0054] In an exemplary embodiment, Figure 2 As shown, a method for handling overdue contracts is provided, which is applied to Figure 1 The terminal 102 in the example is used as an example to illustrate, including the following steps 202 to 210. Among them:

[0055] Step 202: extract the actual performance date of the contract object based on the stored performance record information of the contract object.

[0056] Among them, the contract object can be, for example, a physical merchant, an online merchant, or any individual or entity such as a tenant that may sign a contract. The contract object in this application is an individual or entity that may be overdue in the performance process, and after the overdue event occurs to the contract object, the other party to the contract may implement an appropriate overdue handling plan for the contract object that has overdue behavior.

[0057] The performance record information may include, for example, the performance event and the performance time. The performance time in the performance record information is the actual performance time of the contract object for the relevant signing event.

[0058] Exemplarily, when it is found that the signing event in the contract has been fulfilled by the contract object, the actual fulfillment date of the contract object can be extracted based on the saved performance record information of the contract object to confirm the actual fulfillment date.

[0059] Step 204, extract the agreed date associated with the performance behavior in the contract and compare it with the actual performance date.

[0060] Among them, the agreed date is the latest performance date agreed upon by both parties to the contract for a certain signing event.

[0061] Exemplarily, when the actual performance date of the contract subject for the signing event is obtained, the agreed date of the performance behavior related to the signing event in the contract is further extracted, and the agreed date and the actual performance date are compared to confirm whether the performance behavior of the contract subject is overdue.

[0062] If the actual performance date is later than the agreed date, it means that the performance of the contract subject is overdue and exceeds the date agreed in the contract. If the actual performance date is earlier than or equal to the agreed date, it means that the performance of the contract subject is not overdue and is performed before the date agreed in the contract.

[0063] Step 206, when the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days that the actual performance date is later than the agreed date.

[0064] For example, when the comparison result indicates that the actual performance date is later than the agreed date, it means that the performance of the contract party is overdue. At this time, the relevant overdue days can be confirmed, and different overdue days can represent different overdue levels.

[0065] Step 208, based on the number of overdue days, determine the overdue grade corresponding to the number of overdue days in a preset overdue grade table; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade.

[0066] Among them, the overdue grade table includes the mapping relationship between the overdue days and the overdue grades. For example, if the overdue days are 1-10 days, the corresponding overdue grade is grade 1; if the overdue days are 11-30 days, the corresponding overdue grade is grade 2; if the overdue days are greater than 30 days, the corresponding overdue grade is grade 3. It should be noted that this application does not make a specific limit on the number of overdue grades, and the number of overdue grades can be set based on demand. Similarly, this application does not make a specific limit on the specific number of overdue days corresponding to each overdue grade, and the number of overdue days corresponding to each overdue grade can be set based on demand.

[0067] For example, when the number of overdue days for the performance of the contract object is determined, the overdue grade corresponding to the overdue days can be determined in a pre-set overdue grade table based on the overdue days, so as to facilitate the subsequent selection of an overdue handling plan for the contract object based on the overdue grade.

[0068] Step 210, based on the overdue level, determine the target processing solution corresponding to the overdue level in the preset overdue processing solution library, and execute the target processing solution for the contract object; wherein the overdue processing solution library includes a mapping relationship between the overdue level and the processing solution.

[0069] The overdue treatment solution library includes the mapping relationship between overdue levels and treatment solutions. For example, if the overdue level is level 1, it means that the overdue days are relatively short, and the corresponding treatment solution is relatively weak; for example, if the overdue level is level 5, it means that the overdue days are very long, and the corresponding treatment solution is more powerful.

[0070] For example, when the overdue level of the contract object is determined, the corresponding overdue treatment plan can be further determined based on the overdue level, that is, the target treatment plan corresponding to the overdue level obtained from the preset overdue treatment plan library, and then the contract object is subjected to relevant overdue treatment based on the determined overdue treatment plan, so that the contract object can be subject to relevant penalties if it fails to abide by the contract, thereby helping to avoid more contract objects from overdue execution and ensuring the benign execution of the contract. With such a setting, different overdue treatment plans can be provided for different contract objects with different overdue days, which is conducive to improving the flexibility and rationality of overdue treatment.

[0071] The above-mentioned contract overdue processing method extracts the actual performance date of the contract object based on the performance record information of the saved contract object; extracts the agreed date associated with the performance behavior in the contract and compares it with the actual performance date; when the comparison result indicates that the actual performance date is later than the agreed date, determines the number of overdue days that the actual performance date is later than the agreed date; based on the number of overdue days, determines the overdue grade corresponding to the number of overdue days in the preset overdue grade table; wherein the overdue grade table includes the mapping relationship between the number of overdue days and the overdue grade; based on the overdue grade, determines the target processing scheme corresponding to the overdue grade in the preset overdue processing scheme library, and executes the target processing scheme for the contract object; wherein the overdue processing scheme library includes the mapping relationship between the overdue grade and the processing scheme. In this way, when there is a performance overdue behavior of the contract object, the corresponding target processing scheme is automatically selected for different degrees of performance overdue behavior, and the target processing scheme is automatically executed on the contract object, which is conducive to improving the execution efficiency and execution flexibility of overdue processing.

[0072] In an exemplary embodiment, the method for handling overdue contracts provided by the present application further includes:

[0073] In the case where the determined target processing solution includes reducing the credit score of the contract object, extracting the preset credit score deduction base, and obtaining the deduction coefficient corresponding to the overdue days in the preset deduction coefficient table; wherein the deduction coefficient table includes a mapping relationship between the overdue days and the deduction coefficient;

[0074] The target total number of deductions for the credit score is determined based on the product of the deduction coefficient and the number of overdue days, plus the sum of the credit score deduction base.

[0075] Among them, the deduction coefficient table includes the mapping relationship between the number of overdue days and the deduction coefficient. For example, if the number of overdue days is relatively low, the corresponding deduction coefficient will be relatively low; one overdue day can correspond to one deduction coefficient, or multiple overdue days can correspond to the same deduction coefficient.

[0076] For example, the contract object may be an online merchant, and the other party of the contract may be an online platform where the online merchant is located. Based on this, an optional overdue processing solution is provided, which is to reduce the merchant's credit score.

[0077] Furthermore, the present application provides a method for calculating the credit points to be deducted when it is necessary to lower the credit score of a merchant, extracting a preset credit score deduction base, which is a fixed number, and then obtaining the corresponding deduction coefficient from a preset deduction coefficient table based on the number of overdue days of the merchant; then, first calculating the product of the deduction coefficient and the number of overdue days, and then adding the product to the credit score deduction base to obtain the total credit score to be deducted from the merchant.

[0078] The calculation method of the total number of target deductions of credit points provided in this application can not only be applied to the calculation of credit deductions; for example, when the target processing scheme is to restrict the function of the merchant, the above calculation method can be used to calculate the relevant function restriction time, and the relevant content at this time is: extract the preset restriction time base, and obtain the restriction coefficient corresponding to the overdue days in the preset restriction time coefficient table; wherein the restriction time coefficient table includes the mapping relationship between the overdue days and the restriction coefficient; based on the product of the restriction coefficient and the overdue days, and the sum of the restriction time base, determine the total function restriction time. For example, when the target processing scheme is to deduct the deposit (fine) for the merchant, the above calculation method can be used to calculate the relevant fine amount, and the relevant content at this time is: extract the preset fine base, and obtain the fine coefficient corresponding to the overdue days in the preset fine coefficient table; wherein the fine coefficient table includes the mapping relationship between the overdue days and the fine coefficient; based on the product of the fine coefficient and the overdue days, and the sum of the fine base, determine the fine amount. In addition, the above calculation method can also be used for other calculations about time, amount, score, etc.

[0079] In an exemplary embodiment, the method for handling overdue contracts provided by the present application further includes:

[0080] In the case where the determined target processing solution includes reducing the credit score of the contract object, extracting a preset credit score deduction base;

[0081] Based on the product of the credit score deduction base and the exponential function corresponding to the number of overdue days, the target total number of credit score deductions is determined; wherein the independent variable of the exponential function is the product of the preset deduction increase coefficient and the number of overdue days, and the base of the exponential function is a natural constant.

[0082] For example, the contract object may be an online merchant, and the other party of the contract may be an online platform where the online merchant is located. Based on this, an optional overdue processing solution is provided, which is to reduce the merchant's credit score.

[0083] Furthermore, the present application provides a method for calculating the credit points to be deducted when it is necessary to lower the credit score of a merchant, extracting a preset credit score deduction base, which is a fixed number; and then combining an exponential function with a natural constant e as the base of the exponential function, and the product of a preset deduction increase coefficient and the number of overdue days as the independent variables of the exponential function, to calculate the total credit points that need to be deducted from the merchant, which is specifically based on the product of the credit score deduction base and the exponential function.

[0084] The preset deduction increment coefficient may be a fixed value. In addition, the preset deduction increment coefficient may increase with the increase of the overdue days, or multiple overdue days may correspond to one preset deduction increment coefficient. The present application does not specifically limit the mapping relationship between the overdue days and the preset deduction increment coefficient.

[0085] The calculation method of the total number of target deductions of credit points provided in this application can not only be applied to the calculation of credit deductions; for example, when the target processing scheme is to restrict the function of the merchant, the above calculation method can be used to calculate the relevant function restriction duration, and the relevant content at this time is: extract the preset restriction duration base; based on the product of the exponential function corresponding to the restriction duration base and the number of overdue days, determine the total duration for the function restriction; wherein the independent variable of the exponential function is the product of the preset restriction duration increase coefficient and the number of overdue days, and the base of the exponential function is a natural constant. For example, when the target processing scheme is to deduct the deposit (fine) for the merchant, the above calculation method can be used to calculate the relevant fine amount, and the relevant content at this time is: extract the preset fine amount base; based on the product of the exponential function corresponding to the fine amount base and the number of overdue days, determine the total fine amount; wherein the independent variable of the exponential function is the product of the preset fine increase coefficient and the number of overdue days, and the base of the exponential function is a natural constant. In addition, the above calculation method can also be used for other calculations about duration, amount, score, etc.

[0086] In addition, it should be added that when the contract party is an online merchant, the overdue handling plan may also include store freezing, store removal, function restrictions, etc.

[0087] In an exemplary embodiment, please refer to Figure 3After executing the target processing solution for the contract object, it also includes step 212: in the case that the execution of the target processing solution for the contract object fails, generating processing failure prompt information, and sending the processing failure prompt information to the administrator matching the contract object.

[0088] Exemplarily, when executing a target processing solution for a contract object, there may be an execution failure. Based on this, the present application provides an optional implementation method, which is that when it is determined that the execution of the target processing solution for the contract object has failed, relevant processing failure prompt information can be generated and transmitted to the administrator of the other party to the contract corresponding to the contract object.

[0089] For example, when the contract object is an online merchant, a processing failure prompt message will be sent to the administrator of the online platform that matches the contract object, so that the other party of the contract object can be informed that the automatic processing of the overdue behavior has failed, so that the other party of the contract object can manually execute the overdue processing for the contract object.

[0090] In an exemplary embodiment, the method for handling overdue contracts provided by the present application further includes:

[0091] If the comparison result indicates that the actual performance date is earlier than the agreed date, determine the number of days the actual performance date is earlier than the agreed date;

[0092] The performance reward is determined based on the number of days in advance and distributed to the contract party; the performance reward includes increasing the credit score of the contract party.

[0093] Exemplarily, the performance of the contract object for the signing event in the contract may also be performed before the agreed time corresponding to the contract. Therefore, the present application also provides an optional implementation method, in the case where the comparison result indicates that the actual performance date is earlier than the agreed date, the number of days in advance of the actual performance date is determined, and then, according to the number of days in advance of the performance behavior, the specific reward plan (performance reward) that can be provided to the contract object is determined, and then, the content corresponding to the reward plan is automatically distributed to the contract object; for example, when the performance reward is specifically to reward some credit points to the contract object (online merchant), the calculated credit points are directly distributed to the information of the contract object (online merchant). In addition, when the contract object is an online merchant, other optional performance rewards include bonuses, exposure on the online platform, increase in display positions on the online platform, increase in the number of displayable goods, etc.

[0094] In an exemplary embodiment, please refer to Figure 3After executing the target processing solution for the contract object, it also includes step 214: if the target processing solution is successfully executed for the contract object, the processing event and the processing success information are stored to facilitate subsequent query of relevant information.

[0095] With respect to the contract overdue processing method provided in this application, taking the contract object as an online merchant (merchant), and the performance behavior to be performed as payment as an example, an optional implementation method is provided, which specifically includes:

[0096] Delayed behavior judgment: The user's overdue behavior can be expressed as a judgment condition. Exceeding the system preset deadline , the system determines that the user is overdue. The overdue determination can be expressed by the following formula: ;in, For the overdue judgment result, , it indicates that the user is overdue.

[0097] Overdue degree classification: The overdue degree is divided into multiple levels according to the length of overdue time or other conditions. For example, the number of overdue days D can be used as a key factor. The longer the overdue time, the heavier the penalty. The specific classification rules can be expressed by the piecewise function Level(): ;in, is the preset overdue time interval. For different overdue levels.

[0098] Penalty calculation; for each overdue level , the fine amount calculation formula can be used. For example, the fine amount It can be calculated based on the number of days past due using a linear or exponential increasing formula.

[0099] Linear Model: ;in, is the basic fine amount, is the daily penalty factor.

[0100] Exponential Model: ;in, In order to control the coefficient of the fine increase, Increase, the amount of fines increases exponentially.

[0101] Automatic execution of penalties: The rules for automatic execution of penalties by the system can be described by state transition equations. When the system detects that the user is overdue and the overdue level is determined, the system will automatically enter the penalty state. , the state transition can be expressed as: ; in S penaltyIn this state, the system executes corresponding penalty operations, such as fine deduction, credit point deduction, function restriction, etc.

[0102] It can be seen that the present application proposes an automated overdue penalty execution method based on a mathematical model, which can automatically determine the overdue situation and flexibly execute penalties according to the complexity of the overdue behavior. The method uses an algorithm to realize the automation of overdue behavior determination, classification and penalty, avoids human intervention, and is conducive to ensuring the fairness and efficiency of the operation of overdue penalties.

[0103] It should be noted that overdue penalty management is a common functional scenario in e-commerce systems and is a basic functional module for e-commerce system management of contract compliance. Currently, mainstream e-commerce systems on the market have complete overdue penalty mechanisms. After business development, overdue penalties have formed a full-link technical solution for overdue behavior monitoring, overdue behavior determination, overdue behavior verification, and overdue behavior penalties. However, current overdue penalty management technologies generally rely on manual review and adopt uniform penalty measures for different degrees of overdue behavior. This not only consumes a lot of manpower to deal with overdue issues, but also fails to carry out differentiated penalties for different overdue situations, resulting in untimely determination of overdue behavior and inflexible overdue penalty mechanisms, which in turn leads to delayed determination of penalty behavior and imprecise implementation of penalty measures.

[0104] Based on the above content, it can be seen that this application adopts an automated penalty strategy to maintain overdue behavior conditions and corresponding penalty measures in advance. When the user's payment (payment) is overdue and reaches the preset condition value, the system automatically executes the penalty measures. The user's overdue behavior of different degrees triggers the corresponding level of penalty results. From the system level, overdue behavior is automatically determined, the degree of overdue is automatically distinguished, and overdue penalties are automatically executed, which significantly improves the execution efficiency and flexibility of overdue penalties.

[0105] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0106] Based on the same inventive concept, the embodiment of the present application also provides a contract overdue processing device for implementing the above-mentioned contract overdue processing method. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above-mentioned method, so the specific limitations in one or more embodiments of the contract overdue processing device provided below can refer to the limitations of the contract overdue processing method above, and will not be repeated here.

[0107] In an exemplary embodiment, Figure 4 As shown, a contract overdue processing device 800 is provided, comprising: a data extraction module 81, a data processing module 82 and a result output module 83, wherein:

[0108] The data extraction module 81 is used to extract the actual performance date of the contract object based on the performance record information of the saved contract object; extract the agreed date associated with the performance behavior in the contract, and compare it with the actual performance date;

[0109] The data processing module 82 is used to determine the number of overdue days that the actual performance date is later than the agreed date when the comparison result indicates that the actual performance date is later than the agreed date; and determine the overdue grade corresponding to the number of overdue days in a preset overdue grade table based on the number of overdue days; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade;

[0110] The result output module 83 is used to determine the target processing solution corresponding to the overdue level in the preset overdue processing solution library based on the overdue level, and execute the target processing solution for the contract object; wherein the overdue processing solution library includes a mapping relationship between overdue levels and processing solutions.

[0111] In an exemplary embodiment, the data processing module 82 is also used to extract a preset credit score deduction base when the determined target processing solution includes lowering the credit score of the contract object, and obtain the deduction coefficient corresponding to the number of overdue days in a preset deduction coefficient table; wherein the deduction coefficient table includes a mapping relationship between the number of overdue days and the deduction coefficient; based on the product of the deduction coefficient and the number of overdue days and the sum of the credit score deduction base, determine the target total number of deductions for the credit score.

[0112] In an exemplary embodiment, the data processing module 82 is further configured to extract a preset credit score deduction base when the determined target processing solution includes reducing the credit score of the contract object;

[0113] Based on the product of the credit score deduction base and the exponential function corresponding to the number of overdue days, the target total number of credit score deductions is determined; wherein the independent variable of the exponential function is the product of the preset deduction increase coefficient and the number of overdue days, and the base of the exponential function is a natural constant.

[0114] In an exemplary embodiment, after the result output module 83 is used to execute the target processing solution for the contract object, it is also used to generate a processing failure prompt message when the execution of the target processing solution for the contract object fails, and send the processing failure prompt message to the administrator matching the contract object.

[0115] In an exemplary embodiment, the result output module 83 is also used to determine the number of days in advance that the actual performance date is earlier than the agreed date when the comparison result indicates that the actual performance date is earlier than the agreed date; determine the performance reward based on the number of days in advance, and distribute the performance reward to the contract object; wherein the performance reward includes increasing the credit score of the contract object.

[0116] In an exemplary embodiment, after the result output module 83 is used to execute the target processing solution for the contract object, it is also used to store the processing event and the processing success information when the target processing solution for the contract object is successfully executed.

[0117] Each module in the above-mentioned contract overdue processing device can be implemented in whole or in part by software, hardware or a combination thereof. Each of the above-mentioned modules can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the corresponding operations of each of the above modules.

[0118] In addition, for the contract overdue processing system corresponding to the contract overdue processing device provided in this application, an optional setting method is provided, including:

[0119] User information module: This module is used to store and manage the user's basic information, payment records and overdue status. These data are maintained in the form of a database, and the system will monitor the user's payment behavior in real time.

[0120] Overdue behavior determination module: This module continuously monitors the user's payment records and determines the payment time of the user. The payment deadline set by the system Compare and automatically determine whether it is overdue. Exceeded deadline , the system will automatically determine that the user is overdue (using the formula ).

[0121] Overdue degree classification module: Once a user is judged to be overdue, this module automatically classifies the user according to the length of the overdue period. Different overdue days D are divided into several levels, and each level corresponds to different punishment measures. The specific classification rules are as mentioned above. shown.

[0122] Penalty strategy module: This module is based on the user's overdue level. , select the corresponding penalty strategy. Calculate the amount of a fine or take other punitive measures, such as limiting service functions or deducting credit points.

[0123] Automatic execution module: Once the overdue behavior and penalty strategy are determined, the system will automatically enter the penalty state S penalty , and immediately execute the corresponding penalty operation. The system automatically records the time and results of penalty execution to ensure subsequent traceability and system fairness.

[0124] The process of overdue behavior determination includes: the system detects the user's payment behavior and compares the user's payment time in real time. With deadline ; If the user still hasn’t paid after the deadline, the system uses the judgment formula Automatically determine that the user is overdue; when it is determined to be overdue, the system will Automatically determine overdue grades.

[0125] After the overdue judgment is completed, the system will automatically perform the corresponding penalty operation. The specific process includes: the system will , using the formula Calculate the amount of the fine; the system enters the penalty execution state and automatically completes operations such as deducting fines, deducting credit points, removing products from shelves, freezing stores, etc.; all executed penalty results and related records will be automatically saved and available for subsequent inquiries and system tracking.

[0126] In an exemplary embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as shown in FIG. Figure 5As shown. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit and an input device. The processor, the memory and the input / output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, near field communication (NFC) or other technologies. When the computer program is executed by the processor, a method for handling overdue contracts is implemented. The display unit of the computer device is used to form a visually visible picture, which can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad set on the computer device shell, or an external keyboard, touchpad or mouse.

[0127] Those skilled in the art will understand that Figure 5 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0128] In an exemplary embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0129] Based on the saved performance record information of the contract object, extract the actual performance date of the contract object;

[0130] Extract the agreed date associated with the performance in the contract and compare it with the actual performance date;

[0131] If the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days the actual performance date is later than the agreed date;

[0132] Based on the number of overdue days, determine the overdue grade corresponding to the number of overdue days in a preset overdue grade table; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade;

[0133] Based on the overdue level, a target processing solution corresponding to the overdue level is determined in a preset overdue processing solution library, and the target processing solution is executed for the contract object; wherein the overdue processing solution library includes a mapping relationship between overdue levels and processing solutions.

[0134] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0135] Based on the saved performance record information of the contract object, extract the actual performance date of the contract object;

[0136] Extract the agreed date associated with the performance in the contract and compare it with the actual performance date;

[0137] If the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days the actual performance date is later than the agreed date;

[0138] Based on the number of overdue days, determine the overdue grade corresponding to the number of overdue days in a preset overdue grade table; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade;

[0139] Based on the overdue level, a target processing solution corresponding to the overdue level is determined in a preset overdue processing solution library, and the target processing solution is executed for the contract object; wherein the overdue processing solution library includes a mapping relationship between overdue levels and processing solutions.

[0140] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0141] Based on the saved performance record information of the contract object, extract the actual performance date of the contract object;

[0142] Extract the agreed date associated with the performance in the contract and compare it with the actual performance date;

[0143] If the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days the actual performance date is later than the agreed date;

[0144] Based on the number of overdue days, determine the overdue grade corresponding to the number of overdue days in a preset overdue grade table; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade;

[0145] Based on the overdue level, a target processing solution corresponding to the overdue level is determined in a preset overdue processing solution library, and the target processing solution is executed for the contract object; wherein the overdue processing solution library includes a mapping relationship between overdue levels and processing solutions.

[0146] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0147] A person of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment method can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0148] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0149] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for handling overdue contracts, characterized in that: The method comprises: Extracting the actual performance date of the contract object based on the stored performance record information of the contract object; Extracting the agreed date associated with the performance in the contract and comparing it with the actual performance date; If the comparison result indicates that the actual performance date is later than the agreed date, determine the number of days that the actual performance date is later than the agreed date; Based on the number of overdue days in a preset overdue grade table, determining the overdue grade corresponding to the number of overdue days; wherein the overdue grade table includes a mapping relationship between the number of overdue days and the overdue grade; Based on the overdue grade, a target processing solution corresponding to the overdue grade is determined in a preset overdue processing solution library, and the target processing solution is executed for the contract object; wherein the overdue processing solution library includes a mapping relationship between the overdue grade and the processing solution.

2. The method according to claim 1, characterized in that: Also includes: In the case where the determined target processing solution includes reducing the credit score of the contract object, extracting a preset credit score deduction base, and obtaining a deduction coefficient corresponding to the overdue days in a preset deduction coefficient table; wherein the deduction coefficient table includes a mapping relationship between the overdue days and the deduction coefficient; The target total number of deductions for the credit score is determined based on the product of the deduction coefficient and the number of overdue days and the sum of the credit score deduction base.

3. The method according to claim 1, characterized in that: Also includes: In the case where the determined target processing solution includes reducing the credit score of the contract object, extracting a preset credit score deduction base; Based on the product of the credit score deduction base and the exponential function corresponding to the overdue days, the target total number of deductions for the credit score is determined; wherein the independent variable of the exponential function is the product of the preset deduction increase coefficient and the overdue days, and the base of the exponential function is a natural constant.

4. The method according to claim 1, characterized in that: After executing the target processing solution for the contract object, the method further includes: In the event that the target processing solution fails to be executed for the contract object, processing failure prompt information is generated and sent to an administrator matching the contract object.

5. The method according to claim 1, characterized in that Also includes: If the comparison result indicates that the actual performance date is earlier than the agreed date, determine the number of days the actual performance date is earlier than the agreed date; A performance reward is determined based on the advance days, and the performance reward is distributed to the contract object; wherein the performance reward includes increasing the credit score of the contract object.

6. The method according to any one of claims 1 to 4, characterized in that: After executing the target processing solution for the contract object, the method further includes: When the target processing solution is successfully executed on the contract object, the processing event and the information of successful processing are stored.

7. A device for handling overdue contracts, characterized in that: The device comprises: A data extraction module is used to extract the actual performance date of the contract object based on the performance record information of the saved contract object; extract the agreed date associated with the performance behavior in the contract, and compare it with the actual performance date; A data processing module, configured to determine the number of overdue days that the actual performance date is later than the agreed date when the comparison result indicates that the actual performance date is later than the agreed date; and determine the overdue grade corresponding to the overdue days in a preset overdue grade table based on the overdue days; wherein the overdue grade table includes a mapping relationship between the overdue days and the overdue grade; A result output module is used to determine the target processing solution corresponding to the overdue level in a preset overdue processing solution library based on the overdue level, and execute the target processing solution for the contract object; wherein the overdue processing solution library includes a mapping relationship between the overdue level and the processing solution.

8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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