CN110503510B

CN110503510B - Method, device and system for processing interaction of rents based on credit

Info

Publication number: CN110503510B
Application number: CN201910642793.XA
Authority: CN
Inventors: 张琦
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-07-16
Filing date: 2019-07-16
Publication date: 2021-11-09
Anticipated expiration: 2039-07-16
Also published as: CN110503510A

Abstract

The application provides a credit-based tenant interaction processing method, a device and a system, wherein the credit-based tenant interaction processing method comprises the following steps: receiving a renting application and a status voucher of an article to be rented, which are submitted by a renter; performing credit evaluation on the renter based on a first credit identification of the renter contained in the renting application, and determining the credit exemption amount of the renter according to a credit evaluation result; creating a lease contract of the object to be leased according to the state certificate, the credit exemption amount and the deposit amount of the object to be leased; and recording a credit event corresponding to the leasing contract on a credit account corresponding to the first credit identification and the second credit identification of the leasing party. The credit-based method for processing the interaction of the renters simplifies the process flow of the interaction of the renters, and restrains the actions of the renters and the renters in the process of interacting the renters around the electronic renting contracts and the credits, so that the rights and interests of the renters and the renters are effectively maintained.

Description

Method, device and system for processing interaction of rents based on credit

Technical Field

The application relates to the technical field of data processing, in particular to a credit-based renting interaction processing method. The application also relates to a credit-based tenant interaction processing device, another credit-based tenant interaction processing method and device, a credit-based tenant interaction processing system, two computing devices and two computer-readable storage media.

Background

With the development of a rental scene, an article rental service gradually becomes a new consumption mode, the current online rental mainly adopts a B2C (Business To Customer) mode as a main mode, a merchant is used as a renting party To release rental commodities To an online renting platform, a user browses the rental commodities through the online renting platform, orders are placed after the rental commodities are selected, the merchant sends out the rental commodities selected by the user, and the user sends the rental commodities back and pays rent before the rental expires, so that the renting process is completed. However, the existing rental platform can only release the rental commodities by the merchants, and the users cannot release the rental commodities needing to be rented externally on the rental platform, so that certain defects exist.

Disclosure of Invention

In view of this, the embodiments of the present application provide a method for processing interaction of tenants based on credit, so as to solve technical defects in the prior art. The embodiment of the application simultaneously provides a credit-based tenant interaction processing device, another credit-based tenant interaction processing method and device, a credit-based tenant interaction processing system, two computing devices and two computer-readable storage media.

The application provides a credit-based tenant interaction processing method, which comprises the following steps:

receiving a renting application and a status voucher of an article to be rented, which are submitted by a renter;

performing credit evaluation on the renter based on a first credit identification of the renter contained in the renting application, and determining the credit exemption amount of the renter according to a credit evaluation result;

creating a lease contract of the object to be leased according to the state certificate, the credit exemption amount and the deposit amount of the object to be leased;

and recording a credit event corresponding to the leasing contract on a credit account corresponding to the first credit identification and the second credit identification of the leasing party.

Optionally, after the step of performing credit evaluation on the tenant based on the first credit identifier of the tenant included in the lease application, and determining the credit deposit free amount of the tenant according to a credit evaluation result is performed, and before the step of creating a lease contract for the item to be leased according to the status voucher, the credit deposit free amount, and the deposit amount of the item to be leased is performed, the method includes:

obtaining the deposit amount of the object to be rented submitted by the renter, and receiving a confirmation instruction of the renter for the deposit amount;

determining whether the credit exempt amount is greater than or equal to the deposit amount;

and if so, executing the step of creating the lease contract of the article to be leased according to the state certificate, the credit exemption amount and the deposit amount of the article to be leased.

Optionally, if the determination result of the step of determining whether the credit deposit free amount is greater than or equal to the deposit amount is negative, the following operations are performed:

calculating the difference value between the deposit amount and the credit exemption amount to serve as the deposit subsidy amount of the tenant;

and carrying out deposit payment on the to-be-rented object according to the deposit subsidy amount.

Optionally, the performing credit assessment on the tenant based on the first credit identifier of the tenant included in the lease application includes:

reading a credit portrait of a credit account record corresponding to the first credit identification;

calculating a credit rating of the tenant based on the credit representation as the credit assessment result;

wherein the credit representation includes at least one of:

credit points, risk level, negative records, credit rating.

Optionally, after the step of recording the credit event corresponding to the rental contract by the credit account corresponding to the first credit identifier and the second credit identifier of the lender is executed, the method includes:

receiving a returning request of the to-be-rented article submitted by the renter and a returning confirmation instruction submitted by the renter according to the returning request;

calculating the rent of the to-be-rented goods based on the rent calculation reference recorded in the lease contract and the rent duration of the to-be-rented goods;

if the fact that the renting party pays the rent to the renting party is detected, whether the object to be rented has deposit subsidy amount is judged;

if yes, sending a refund prompt for refunding the deposit subsidy amount to the tenant;

if the fact that the renter refunds the deposit subsidy amount is detected, the renting contract is released;

and promoting the credit rating of the credit account corresponding to the first credit identification and the second credit identification based on the credit event.

judging whether the credit exemption amount of the tenant is larger than or equal to a credit admission threshold value or not;

if yes, judging whether the renter has a negative credit record and/or an objection contract;

if yes, sending prompting information of access failure to the tenant;

and if the current state certificate does not exist, executing the step of creating the lease contract of the object to be leased according to the state certificate, the credit exemption amount and the deposit amount of the object to be leased.

receiving an objection request submitted by the lender, and acquiring a first objection certificate submitted by the lender;

determining a default party of the lease contract and releasing the lease contract by analyzing the state voucher and the first objection voucher;

determining whether the default party is the tenant;

and if so, reducing the credit rating of the credit account corresponding to the first credit identification based on the credit event.

receiving an objection request submitted by the tenant, and acquiring a second objection voucher submitted by the tenant;

determining a default party of the lease contract and releasing the lease contract by analyzing the state voucher and the second objection voucher;

judging whether the default party is the leasing party or not;

and if so, reducing the credit rating of the credit account corresponding to the second credit identification based on the credit event.

The present application further provides a credit-based tenant interaction processing apparatus, including:

the system comprises a leasing application receiving module, a leasing application receiving module and a state certificate, wherein the leasing application receiving module is configured to receive a leasing application and a state certificate of an article to be leased, which are submitted by a leasing party;

the credit assessment module is configured to assess credit of the renters based on first credit identifications of the renters contained in the renting applications, and determine credit exemption deposit amount of the renters according to credit assessment results;

a lease contract creating module configured to create a lease contract for an item to be leased according to the status voucher, the credit exempt amount, and a deposit amount of the item to be leased;

and the credit event recording module is configured to record a credit event corresponding to the leasing contract on a credit account corresponding to the first credit identification and the second credit identification of the leasing party.

The application also provides a second credit-based tenant interaction processing method, which comprises the following steps:

scanning an image identification code provided by a tenant, and determining a first credit identifier of the tenant by analyzing the image identification code;

generating a leasing application of the article to be leased according to the first credit identification and a second credit identification of a leasing party to which the article to be leased belongs;

and submitting the renting application to the credit mortgage platform, and uploading the state voucher of the article to be rented to the credit mortgage platform.

Optionally, after the step of submitting the lease application to the credit mortgage platform and uploading the status voucher of the object to be leased to the credit mortgage platform is executed, the method includes:

and submitting the deposit amount of the object to be rented to the credit mortgage platform.

submitting a returning confirmation instruction to the credit mortgage platform aiming at the returning request of the to-be-rented object submitted by the tenant;

receiving a refund prompt of the deposit subsidy amount sent by the credit mortgage platform;

and returning the deposit subsidy amount to the lessee based on the deposit subsidy amount.

and submitting an objection request to the credit mortgage platform, and submitting a first objection certificate to the credit mortgage platform.

The present application also provides a second credit-based tenant interaction processing apparatus, including:

the credit identification determining module is configured to scan an image identification code provided by a tenant and determine a first credit identification of the tenant by analyzing the image identification code;

the renting application generating module is configured to generate a renting application of the to-be-rented article according to the first credit identification and a second credit identification of a renter to which the to-be-rented article belongs;

and the leasing application submitting module is configured to submit the leasing application to the credit mortgage platform and upload the state certificate of the article to be leased to the credit mortgage platform.

The present application further provides a credit-based rental interaction processing system, comprising:

a lender, a lessee and a credit mortgage platform;

the renter is specifically configured to scan an image identification code provided by the renter, determine a first credit identifier of the renter by analyzing the image identification code, generate a renting application of an article to be rented submitted to the credit mortgage platform according to the first credit identifier and a second credit identifier of the renter, and upload a status voucher of the article to be rented to the credit mortgage platform;

the credit mortgage platform is configured to receive the rental application and the state voucher submitted by the renter, perform credit assessment on the renter based on the first credit identification contained in the rental application, determine the credit exemption amount of the renter according to a credit assessment result, create a rental contract of the to-be-rented article according to the state voucher, the credit exemption amount and the deposit amount of the to-be-rented article, and record a credit event corresponding to the rental contract on a credit account corresponding to the first credit identification and the second credit identification.

The present application further provides a computing device comprising:

a memory and a processor;

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

The present application also provides a second computing device comprising:

a memory and a processor;

The present application also provides a computer-readable storage medium storing computer instructions that, when executed by a processor, implement the steps of the first credit-based tenant interaction processing method.

The present application also provides a second computer-readable storage medium storing computer instructions that, when executed by a processor, implement the steps of the second credit-based tenant interaction processing method.

Compared with the prior art, the method has the following advantages:

the application provides a credit-based tenant interaction processing method, which comprises the following steps: receiving a renting application and a status voucher of an article to be rented, which are submitted by a renter; performing credit evaluation on the renter based on a first credit identification of the renter contained in the renting application, and determining the credit exemption amount of the renter according to a credit evaluation result; creating a lease contract of the object to be leased according to the state certificate, the credit exemption amount and the deposit amount of the object to be leased; and recording a credit event corresponding to the leasing contract on a credit account corresponding to the first credit identification and the second credit identification of the leasing party.

According to the credit-based method for processing the interaction of the renters, the renters and the renters are combined with credit, a certain credit deposit amount is given to the renters in the renting process of objects with the renters based on the credit evaluation of the renters, a renting contract is created based on the content agreed by the renters and the renters in the process of interacting the renters, the process flow of interacting the renters is simplified, and meanwhile the actions of the renters and the renters in the process of interacting the renters are restrained around the renting contract and the credit, so that the benefits and the rights of the renters and the renters are effectively maintained.

Drawings

Fig. 1 is a process flow diagram of a credit-based tenant interaction processing method according to an embodiment of the present application;

fig. 2 is a schematic diagram of a credit-based tenant interaction processing apparatus according to an embodiment of the present application;

fig. 3 is a process flow diagram of a second credit-based tenant interaction processing method according to an embodiment of the present application;

fig. 4 is a schematic diagram of a second credit-based tenant interaction processing apparatus according to an embodiment of the present application;

fig. 5 is a block diagram illustrating an architecture of a credit-based tenant interaction processing system according to an embodiment of the present disclosure;

FIG. 6 is a block diagram of a computing device according to an embodiment of the present disclosure;

fig. 7 is a block diagram of a second computing device according to an embodiment of the present disclosure.

Detailed Description

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

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

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

The application provides a credit-based rental interaction processing method, a credit-based rental interaction processing device, another credit-based rental interaction processing method and device, a credit-based rental interaction processing system, two computing devices and two computer-readable storage media. The following detailed description and the description of the steps of the method are individually made with reference to the drawings of the embodiments provided in the present application.

The embodiment of the method for processing the rent interaction based on the credit comprises the following steps:

referring to fig. 1, a process flow diagram of a credit-based tenant interaction processing method according to the present embodiment is shown.

And step S102, receiving a renting application and a status voucher of the object to be rented, which are submitted by a renter.

According to the credit-based method for processing the interaction of the renters, the face-to-face interaction of the renters and the credits are combined, the electronic rental contract is created based on the content agreed by the renters and the renters in the process of interacting the renters (object rents), the process flow of interacting the renters is simplified, the deposit is exempted around the electronic rental contract in a credit evaluation mode, the behaviors of the renters and the renters in the process of renting are restrained based on the electronic rental contract and the credits, and therefore the rights and interests of the renters and the renters are effectively maintained.

The renter in the embodiment of the application can be an owner or owner of the to-be-rented article, and can also be a renter with the renting permission of the to-be-rented article. The state voucher of the article to be rented refers to information for proving the state of the article to be rented before renting, for example, the article to be rented, which is desired to be rented externally by a renter, is an electronic product, before renting externally, the state of the electronic product before renting is determined by taking a picture of the electronic product, and a picture obtained after taking the picture is taken as the state voucher of the electronic product before renting.

According to the credit-based renting interaction processing method provided by the embodiment of the application, the execution main body is a credit mortgage platform, and the credit mortgage platform is matched with the renter and the renter to jointly complete the renting interaction process of the to-be-rented goods.

In practical applications, the interaction between the renter and the renter in the process of performing the renting interaction on the to-be-rented item is 'face-to-face', the renting interaction is not required to be performed through an intermediary of the credit mortgage platform, specifically, for the renter, the to-be-rented item is not required to be issued to the credit mortgage platform for waiting for the renter to rent, for the renter, the renter is not required to browse the rentable to-be-rented item through the credit mortgage platform, the credit mortgage platform is a platform for generating a renting contract and performing the credit mortgage, and the core of the credit mortgage platform is that the renter and the renter are restrained through the renting contract and the credit mortgage, but not the platform for issuing the to-be-rented item by the renter, nor the platform for the renter to browse the to-be-rented item.

In the embodiment of the application, the renter knows the object to be rented that the renter wants to rent on line, and the renter knows the object to be rented that the renter wants to rent, and in this case, the renter and the renter trigger the interaction of the renter in a code scanning manner, specifically, the renter scans the image identification code provided by the renter, determines the first credit identification of the renter by analyzing the image identification code, and generates the renting application of the object to be rented submitted to the credit mortgage platform according to the first credit identification and the second credit identification of the renter, and uploads the state voucher of the object to be rented to the credit mortgage platform.

For example, a classmate A in an offline campus scene wants to rent electronic products, publicizes the message that the electronic products want to rent in an online offline advertisement posting manner, and a classmate B learns that the classmate A wants to rent the electronic products in a browsing advertisement posting manner or a middleman introduction manner, and then starts the 'face-to-face' renting interaction after finding the classmate A;

before carrying out tenant interaction, a classmate A and a classmate B need to be registered on a credit mortgage platform, the respective two-dimensional codes carrying respective credit identification information of the two parties are obtained by the purpose of registration, specifically, in the process of tenant interaction aiming at an electronic product, the classmate A is firstly used as a lessor to scan the two-dimensional code provided by the classmate B as the lessee, and after the two-dimensional code image of the lessee B is obtained by scanning, the credit ID of the lessee B can be obtained after the two-dimensional code image is analyzed; after the credit ID of the renter B is obtained through analysis, a renting application is generated by combining the application ID of the renter A, and the renting application is submitted to a credit mortgage platform; and uploading the certificate photo for proving the state of the electronic product before leasing to the credit mortgage platform by the leasing party A.

In specific implementation, after submitting the rental application to the credit mortgage platform and uploading the status voucher of the article to be rented, the renter receives the rental application submitted by the renter on the credit mortgage platform side.

And step S104, performing credit evaluation on the renter based on the first credit identification of the renter included in the renting application, and determining the credit exempting amount of the renter according to the credit evaluation result.

After the renting application submitted by the renter and the state voucher of the object to be rented are received, the first credit identification of the renter contained in the renting application is read, credit evaluation is carried out on the renter according to the first credit evaluation, and the credit exempting amount of the renter is further determined according to the credit evaluation result.

The credit exemption amount is obtained by evaluating the credit of the renter from the credit of the renter and giving the corresponding deposit amount to the renter according to a credit evaluation result, and the corresponding deposit amount is given to the renter according to the credit evaluation result, and the part of the deposit amount is not required to be paid by money by the renter and can be understood as the credit of the renter is used as a mortgage, so that the better the credit of the renter is, the larger the credit exemption amount obtained after credit evaluation is; conversely, the worse the credit of the tenant, the smaller the credit rebate amount obtained after credit evaluation.

Specifically, in order to more comprehensively depict the credit condition of the lender and make the credit exemption amount of the lender more accurate, in an optional implementation manner provided by the embodiment of the application, the credit evaluation is performed on the lender in the following manner:

wherein the credit representation includes at least one of:

credit points, risk level, negative records, credit rating.

In addition, after the credit deposit free amount of the tenant is determined, in order to improve the processing efficiency of the tenant interaction process and improve the mortgage processing mechanism in the tenant interaction processing process, in an optional implementation manner provided in the embodiment of the present application, the credit deposit free amount is detected in the following manner:

1) obtaining the deposit amount of the object to be rented submitted by the renter, and receiving a confirmation instruction of the renter for the deposit amount;

before that, the renter needs to specify the deposit amount of the object to be rented, and the specified deposit amount is submitted to the credit mortgage platform; or the renter and the renter negotiate the deposit amount on line, and the leaseer submits the negotiated deposit amount to the credit mortgage platform;

2) determining whether the credit exempt amount is greater than or equal to the deposit amount;

if yes, indicating that the credit of the lender can meet the mortgage of the article to be rented, and executing the following step S106 for subsequent processing without the need of the lender for mortgaging the money paid by the article to be rented;

if not, indicating that the credit of the renter cannot meet the mortgage of the article to be rented, and performing the following step 3) if the renter needs to mortgage the money paid by the article to be rented again;

3) calculating the difference value between the deposit amount and the credit exemption amount to serve as the deposit subsidy amount of the tenant;

4) and carrying out deposit payment on the to-be-rented object according to the deposit subsidy amount.

For example, after submitting a lease application to a credit mortgage platform and uploading a certificate photo of an electronic product, a leasing party A first performs credit assessment on an object party B according to credit points, risk levels, negative records and credit ratings of the object party B, so as to assess the credit exemption amount of the object party B in the lease activity;

then, the renter A and the renter B negotiate the deposit amount of the electronic product on line, the renter A uploads the negotiated deposit amount to the credit mortgage platform, after the renter A uploads the deposit amount, the renter B needs to confirm the deposit amount uploaded by the renter A, after confirming the deposit amount, whether the credit free deposit amount of the renter B can meet the requirement of the deposit amount needed by the electronic product currently is further judged,

if the electronic product deposit information can be met, indicating that the lessee B does not need to pay the deposit for the electronic product and then carrying out subsequent processing;

if the electronic product is not satisfied, the credit exemption amount of the tenant B is less than the deposit amount required by the current rented electronic product, and therefore the tenant B needs to pay the deposit for the electronic product.

In practical application, in order to further guarantee the rights and interests of the renters and reduce the loss of the renters to high-risk renters, after credit evaluation is performed on the renters, credit admission detection can be performed on the renters, and the method is specifically implemented by adopting the following steps:

if yes, sending prompting information of access failure to the tenant;

and if the current state certificate does not exist, the renter is indicated to pass credit admission detection, and the following step S106 is executed, and a leasing contract of the object to be rented is created according to the state certificate, the credit exempting amount and the deposit amount of the object to be rented.

Similarly, credit admission detection can be performed on the lender, so as to guarantee the rights and interests of the lender, for example, credit evaluation is performed on the lender according to a credit portrait of a credit account record corresponding to a second credit identifier corresponding to the lender, whether a credit rating obtained after the credit evaluation is performed on the lender meets a credit rating admission threshold value is judged, if yes, whether the lender has a negative credit record and/or an objection contract is further judged, and if yes, a warning message of admission failure is sent to the lender; if not, the lessor is indicated to pass credit admission detection, and the following step S106 is executed to establish a lease contract of the article to be leased according to the state certificate, the credit exemption amount and the deposit amount of the article to be leased.

And step S106, establishing a lease contract of the article to be leased according to the state certificate, the credit exemption amount and the deposit amount of the article to be leased.

And establishing a lease contract of the to-be-leased object according to the determined credit exemption deposit amount of the leaser, the state certificate of the to-be-leased object submitted by the leaser and the deposit amount.

Specifically, the lease contract records the rent, lease period, default terms of the object to be leased, the deposit amount of the object to be leased, and the like.

And step S108, recording a credit event corresponding to the leasing contract on a credit account corresponding to the first credit identification and the second credit identification of the leasing party.

In specific implementation, a credit account corresponding to a first credit identifier of the renter records a credit event corresponding to the rental contract, and a credit account corresponding to a second credit identifier of the renter records a credit event corresponding to the rental contract, so as to restrict behaviors of the renter and the renter in the renting process of the to-be-rented goods through credit.

In practical application, after the lender and the lender perform lending interaction, the final possible result is that the lender and the lender successfully complete fulfillment, the lender default or the lender default, and for the three possible situations, the behavior of the lender and the lender is restricted from credit, so as to effectively maintain the rights and interests of the lender and the lender, the embodiment of the present application provides the following three optional implementation manners, and the three situations of successfully completing fulfillment, the lender default and the lender default are respectively and specifically handled:

1) the renter and the renter smoothly complete the performance;

For example, the renter B wants to return the electronic product to the renter a after the expiration of the rental period, and by submitting a return request to the credit mortgage platform and returning the electronic product to the renter a, the renter a submits a return confirmation instruction to the credit mortgage platform after confirming the return of the electronic product;

then, according to the lease price and the lease duration of the electronic product recorded in the lease contract of the electronic product, calculating the lease fee to be paid when the electronic product is leased by the leaseholder B,

according to the deposit condition recorded in the lease contract of the electronic product, if the lessee B pays the deposit to the lessor A, sending a reminder for returning the deposit to the lessor A, and if the lessee B does not pay the deposit to the lessor A, directly removing the lease contract of the electronic product;

and after the leasing contract of the electronic product is released, according to the event that the lessee B of the lessor A successfully performs, the credit rating of the lessee B of the lessor A is improved.

2) The tenant default;

and submitting an objection request to a credit mortgage platform by the renter under the condition that the renter is default, submitting a relevant objection certificate, for example, submitting a certificate of not returning the electronic product or a certificate photo of damaged electronic product by the renter to the credit mortgage platform under the condition that the renter does not return the electronic product or the returned electronic product is damaged, and performing credit punishment processing on the basis of the submitted certificate of not returning the electronic product or the submitted certificate photo of damaged electronic product. The specific implementation of the default situation of the tenant is as follows:

determining whether the default party is the tenant;

3) The lender defaults.

And submitting a disagreement request to the credit mortgage platform by the renter under the condition that the renter violates a contract, and submitting a relevant disagreement certificate, for example, submitting a proof of not returning the deposit to the credit mortgage platform by the renter under the condition that the renter does not return the deposit, and performing credit penalty processing on the basis of the submitted proof of not returning the deposit. The specific implementation of the default condition of the lender is as follows:

judging whether the default party is the leasing party or not;

The embodiment of the device for processing the rent interaction based on the credit comprises the following steps:

in the foregoing embodiment, a credit-based tenant interaction processing method is provided, and correspondingly, a credit-based tenant interaction processing apparatus is also provided in the present application, which is described below with reference to the accompanying drawings.

Referring to fig. 2, a schematic diagram of an embodiment of a credit-based tenant interaction processing apparatus provided in the present application is shown.

Since the apparatus embodiments are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to the corresponding description of the method embodiments provided above for relevant portions. The device embodiments described below are merely illustrative.

The application provides a mutual processing apparatus of thing of lease based on credit, include:

a rental application receiving module 202 configured to receive a rental application and a status voucher of an item to be rented, which are submitted by a renter;

the credit evaluation module 204 is configured to evaluate credit of the renter based on a first credit identifier of the renter contained in the renting application, and determine a credit exemption amount of the renter according to a credit evaluation result;

a lease contract creation module 206 configured to create a lease contract for an item to be leased based on the status credential, the credit exempt amount, and a deposit amount for the item to be leased;

a credit event recording module 208 configured to record a credit event corresponding to the rental contract on a credit account corresponding to the first credit identifier and the second credit identifier of the lender.

Optionally, the device for processing interaction between tenants based on credit further includes:

a deposit amount obtaining module configured to obtain a deposit amount of the object to be rented submitted by the renter and receive a confirmation instruction of the renter for the deposit amount;

a credit exemption amount determination module configured to determine whether the credit exemption amount is greater than or equal to the deposit amount;

if so, the lease contract creation module 206 is run.

Optionally, if the judgment result of the credit deposit free amount judgment module is negative, operating a deposit subsidy payment amount calculation module and a deposit payment module;

the deposit subsidy amount calculation module is configured to calculate a difference value between the deposit amount and the credit exemption amount as the deposit subsidy amount of the renter;

and the deposit payment module is configured to pay deposit payment for the to-be-rented object according to the deposit subsidy amount.

Optionally, the credit evaluation module 204 includes:

a credit portrait reading sub-module configured to read a credit portrait of a credit account record corresponding to the first credit identifier;

a credit rating calculation sub-module configured to calculate a credit rating of the tenant based on the credit representation as the credit assessment result;

wherein the credit representation includes at least one of:

credit points, risk level, negative records, credit rating.

the returning processing module is configured to receive a returning request of the to-be-rented item submitted by the renter and a returning confirmation instruction submitted by the renter according to the returning request;

the rent calculation module is configured to calculate rent of the to-be-rented goods based on rent calculation reference recorded in the lease contract and the rent duration of the to-be-rented goods;

the deposit subsidy amount judgment module is configured to judge whether the article to be rented has deposit subsidy amount or not if the fact that the renter pays the rent to the renter is detected; if yes, sending a refund prompt for refunding the deposit subsidy amount to the tenant;

a leasing contract removing module configured to remove the leasing contract if it is detected that the renter refunds the deposit subsidized amount to the renter;

a credit rating promotion module configured to promote a credit rating of a credit account corresponding to the first credit identifier and the second credit identifier based on the credit event.

a credit exemption amount detection module configured to determine whether a credit exemption amount of the tenant is greater than or equal to a credit admission threshold;

if yes, operating the detection module; the detection module is configured to judge whether a negative credit record and/or an objection contract exists on the tenant; if yes, sending prompting information of access failure to the tenant; if not, the credit evaluation module 204 is run.

the first objection processing module is configured to receive an objection request submitted by the lender and acquire a first objection certificate submitted by the lender;

a first objection analysis module configured to determine an offender of the lease contract and release the lease contract by analyzing the state voucher and the first objection voucher;

a first default party determination module configured to determine whether the default party is the tenant; and if so, reducing the credit rating of the credit account corresponding to the first credit identification based on the credit event.

the second objection processing module is configured to receive an objection request submitted by the tenant and acquire a second objection voucher submitted by the tenant;

a second objection analysis module configured to determine an offender of the lease contract and release the lease contract by analyzing the state voucher and the second objection voucher;

a second default party determination module configured to determine whether the default party is the lender; and if so, reducing the credit rating of the credit account corresponding to the second credit identification based on the credit event.

The second embodiment of the credit-based tenant interaction processing method provided by the application is as follows:

in the above embodiment, a credit-based tenant interaction processing method is provided, and in cooperation with the above method, the application also provides a credit-based tenant interaction processing method, which is described below with reference to the accompanying drawings. Since the present embodiment and the above method embodiments are matched with each other, the description is relatively simple, and the relevant portions only need to refer to the corresponding description of the method embodiments provided above. The embodiments described below are merely illustrative.

Referring to fig. 3, a process flow diagram of a second credit-based tenant interaction processing method provided in the present application is shown.

The credit-based tenant interaction processing method comprises the following steps:

step S302, scanning an image identification code provided by a tenant, and determining a first credit identification of the tenant by analyzing the image identification code.

According to the credit-based rental interaction processing method provided by the embodiment of the application, the execution main body is a rental party, the execution main body is a credit mortgage platform, and through mutual cooperation of the execution main body and the credit mortgage platform, the rental interaction process of the to-be-rented goods is completed together.

And step S304, generating a renting application of the to-be-rented article according to the first credit mark and a second credit mark of a renter to which the to-be-rented article belongs.

Step S306, submitting the lease application to the credit mortgage platform, and uploading a status voucher of the object to be leased to the credit mortgage platform.

The state voucher of the article to be rented refers to information for proving the state of the article to be rented before renting, for example, the article to be rented, which is desired to be rented externally by a renter, is an electronic product, before renting externally, the state of the electronic product before renting is determined by taking a picture of the electronic product, and a picture obtained after taking the picture is taken as the state voucher of the electronic product before renting.

Optionally, after submitting the lease application to the credit mortgage platform and uploading a status voucher of the object to be leased to the credit mortgage platform, the method includes:

In practical application, after the renting interaction between the renter and the renter, the final possible result is that the renter and the renter successfully complete the performance, the renter default or the renter default, and the behavior of the renter and the renter is restricted from credit according to the three possible situations, so that the rights and interests of the renter and the renter are effectively maintained.

Specifically, for the situation that the lessor and the lessee successfully complete the performance, the following method is specifically adopted for processing:

In addition, in the case of default of the renter, the renter submits an objection request to the credit mortgage platform and submits a relevant objection certificate, for example, in the case that the renter does not return the electronic product or the returned electronic product is damaged, the renter submits a certificate of not returning the electronic product or a certificate photo of damaged electronic product to the credit mortgage platform, and credit punishment processing is performed on the basis of the submitted certificate of not returning the electronic product or the submitted certificate photo of damaged electronic product. The specific implementation of the default situation of the tenant is as follows:

The second embodiment of a credit-based tenant interaction processing apparatus provided by the present application is as follows:

in the foregoing embodiment, a second credit-based tenant interaction processing method is provided, and correspondingly, a second credit-based tenant interaction processing apparatus is also provided in the present application, which is described below with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of an embodiment of a second credit-based tenant interaction processing apparatus provided in the present application is shown.

The present application provides a second credit-based tenant interaction processing apparatus, including:

a credit identification determination module 402 configured to scan an image identification code provided by a tenant and determine a first credit identification of the tenant by parsing the image identification code;

a leasing application generating module 404 configured to generate a leasing application for the article to be leased according to the first credit identifier and a second credit identifier of a leasing party to which the article to be leased belongs;

a lease application submitting module 406 configured to submit the lease application to the credit mortgage platform and upload the status voucher of the object to be leased to the credit mortgage platform.

a deposit amount submitting module configured to submit a deposit amount of the object to be rented to the credit mortgage platform.

a returning confirmation instruction submitting module configured to submit a returning confirmation instruction to the credit mortgage platform for a returning request of the to-be-rented item submitted by the tenant;

the refund reminding receiving module is configured to receive refund reminding of the deposit subsidy amount sent by the credit mortgage platform;

and the deposit subsidy amount refunding module is configured to refund the deposit subsidy amount to the tenant on the basis of the deposit subsidy amount.

and the objection request submitting module is configured to submit an objection request to the credit mortgage platform and submit a first objection certificate to the credit mortgage platform.

The embodiment of the credit-based tenant interaction processing system provided by the application is as follows:

referring to fig. 5, a schematic diagram of an embodiment of a second credit-based tenant interaction processing apparatus provided in the present application is shown.

Since the system embodiments are similar to the method embodiments, they are described more simply, and the relevant portions are referred to the corresponding descriptions of the method embodiments provided above. The system embodiments described below are merely illustrative.

The application provides a credit-based lessee interaction processing system, comprising:

a lender 501, a lender 502, and a credit mortgage platform 503;

the lender 501 is specifically configured to scan an image identifier provided by the lender 502, determine a first credit identifier of the lender 502 by analyzing the image identifier, generate a lease application for an article to be leased, which is submitted to the credit mortgage platform 503, according to the first credit identifier and a second credit identifier of the lender 501, and upload a status voucher for the article to be leased to the credit mortgage platform 503;

the credit mortgage platform 503 is configured to receive the rental application and the status voucher submitted by the renter 501, perform credit assessment on the renter 502 based on the first credit identifier included in the rental application, determine the credit overtopping amount of the renter 502 according to a credit assessment result, create a rental contract of the to-be-rented item according to the status voucher, the credit overtopping amount and the deposit amount of the to-be-rented item, and record a credit event corresponding to the rental contract on a credit account corresponding to the first credit identifier and the second credit identifier.

Optionally, the performing credit evaluation on the tenant 502 based on the first credit identifier of the tenant 502 included in the lease application, after determining that the credit exemption amount of the tenant 502 is executed according to a credit evaluation result, and before the creating a lease contract for the item to be leased according to the status voucher, the credit exemption amount, and the deposit amount of the item to be leased is executed, includes:

obtaining the deposit amount of the article to be rented submitted by the renter 501, and receiving a confirmation instruction of the renter 502 for the deposit amount;

and if so, executing the lease contract of the article to be leased according to the state certificate, the credit exemption amount and the deposit amount of the article to be leased.

Optionally, if the determination result after determining whether the credit deposit free amount is greater than or equal to the deposit amount is negative, the following operations are performed:

calculating the difference between the deposit amount and the credit exempt amount as the deposit subsidy amount of the tenant 502;

Optionally, the performing credit evaluation on the tenant 502 based on the first credit identifier of the tenant 502 included in the lease application includes:

calculating a credit rating for the tenant 502 based on the credit representation as the credit assessment result;

wherein the credit representation includes at least one of:

credit points, risk level, negative records, credit rating.

Optionally, after the execution of the credit event corresponding to the rental contract is recorded by the credit account corresponding to the first credit identifier and the second credit identifier of the lender 501, the method includes:

receiving a returning request of the to-be-rented item submitted by the renter 502 and a returning confirmation instruction submitted by the renter 501 aiming at the returning request;

if the fact that the renting party 502 pays the rent to the renting party 501 is detected, whether the object to be rented has deposit subsidy amount is judged;

if yes, sending a refund prompt for refunding the deposit subsidy amount to the tenant 502;

if the renter 501 returns the deposit subsidy payment amount to the renter 502, the renting contract is released;

determining whether the credit exemption amount of the tenant 502 is greater than or equal to a credit admission threshold;

if yes, judging whether a negative credit record and/or an objection contract exists in the tenant 502;

if yes, sending reminding information of access failure to the tenant 502;

and if the current state certificate does not exist, executing the lease contract of the object to be leased according to the state certificate, the credit exemption amount and the deposit amount of the object to be leased.

receiving an objection request submitted by the lender 501, and acquiring a first objection certificate submitted by the lender 501;

determining whether the default party is the tenant 502;

receiving an objection request submitted by the tenant 502, and acquiring a second objection credential submitted by the tenant 502;

judging whether the default party is the lessor 501;

Optionally, after the lease application submitted to the credit mortgage platform 503 and the status voucher of the article to be leased uploaded to the credit mortgage platform 503 are executed, the method includes:

the deposit amount for the item to be leased is submitted to the credit mortgage platform 503.

submitting a returning confirmation instruction to the credit mortgage platform 503 aiming at the returning request of the to-be-rented item submitted by the tenant 502;

receiving a refund prompt of the deposit subsidy amount sent by the credit mortgage platform 503;

refund the deposit subsidy amount to the tenant 502 based on the deposit subsidy amount.

submit an objection request to the credit mortgage platform 503 and submit a first objection voucher to the credit mortgage platform 503.

The embodiment of the computing device provided by the application is as follows:

fig. 6 is a block diagram illustrating a configuration of a computing device 600 according to an embodiment of the present description. The components of the computing device 600 include, but are not limited to, a memory 610 and a processor 620. The processor 620 is coupled to the memory 610 via a bus 630 and a database 650 is used to store data.

Computing device 600 also includes access device 640, access device 640 enabling computing device 600 to communicate via one or more networks 660. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 640 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 600, as well as other components not shown in FIG. 6, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 6 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 600 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 600 may also be a mobile or stationary server.

The present application provides a computing device comprising a memory 610, a processor 620, and computer instructions stored on the memory and executable on the processor, the processor 620 being configured to execute the following computer-executable instructions:

Optionally, after performing credit evaluation on the tenant based on the first credit identifier of the tenant included in the lease application, and determining that the instruction of the credit exemption deposit amount of the tenant is executed according to the credit evaluation result, and before the instruction of creating the lease contract for the item to be leased according to the status voucher, the credit exemption amount, and the deposit amount of the item to be leased is executed, the processor 620 is further configured to execute the following computer-executable instructions:

and if so, executing the lease contract instruction for creating the article to be leased according to the state certificate, the credit exemption amount and the deposit amount of the article to be leased.

Optionally, if the determination result of determining whether the credit deposit free amount is greater than or equal to the deposit amount instruction is no, the processor 620 is further configured to execute the following computer-executable instructions:

wherein the credit representation includes at least one of:

credit points, risk level, negative records, credit rating.

Optionally, after the instruction that the credit account corresponding to the first credit identifier and the second credit identifier of the lender records the credit event corresponding to the rental contract is executed, the processor 620 is further configured to execute the following computer-executable instructions:

if yes, sending prompting information of access failure to the tenant;

and if the current state certificate does not exist, executing the leasing contract instruction for creating the article to be leased according to the state certificate, the credit exemption amount and the deposit amount of the article to be leased.

determining whether the default party is the tenant;

judging whether the default party is the leasing party or not;

FIG. 7 is a block diagram illustrating a configuration of a computing device 700 according to an embodiment of the present description. The components of the computing device 700 include, but are not limited to, memory 710 and a processor 720. Processor 720 is coupled to memory 710 via bus 730, and database 750 is used to store data.

Computing device 700 also includes access device 740, access device 740 enabling computing device 700 to communicate via one or more networks 760. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 740 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 700, as well as other components not shown in FIG. 7, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 7 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 700 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 700 may also be a mobile or stationary server.

The present application provides a computing device comprising a memory 710, a processor 720, and computer instructions stored on the memory and executable on the processor, the processor 720 being configured to execute the following computer-executable instructions:

Optionally, after the lease application submitted to the credit mortgage platform and the instruction for uploading the status voucher of the object to be leased to the credit mortgage platform are executed, the processor 720 is further configured to execute the following computer-executable instructions:

The embodiment of a computer-readable storage medium provided by the application is as follows:

the present application provides a computer readable storage medium storing computer instructions that, when executed by a processor, are operable to:

wherein the credit representation includes at least one of:

credit points, risk level, negative records, credit rating.

if yes, sending prompting information of access failure to the tenant;

determining whether the default party is the tenant;

judging whether the default party is the leasing party or not;

The second computer-readable storage medium provided by the application has the following embodiments:

a second computer-readable storage medium is provided that stores computer instructions that, when executed by a processor, are operable to:

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

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

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

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

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

Claims

1. A credit-based method for processing interaction of a tenant is characterized by comprising the following steps:

receiving a renting application and a state certificate of an article to be rented submitted by a renter, wherein the renting application is as follows: scanning an image identification code provided by a renter by the renter, determining a first credit identification of the renter by analyzing the image identification code, and generating according to the first credit identification and a second credit identification of the renter;

creating a lease contract of the to-be-leased item according to the state voucher, the credit exemption amount and the deposit amount of the to-be-leased item, wherein the state voucher is information for proving the state of the to-be-leased item before lease;

2. The method for interactive processing of a credit-based lessee according to claim 1, wherein after the step of performing credit evaluation on the lessee based on the first credit identifier of the lessee included in the lease application, determining the credit exemption amount of the lessee according to the result of the credit evaluation, and before the step of performing a lease contract for creating an item to be leased according to the status voucher, the credit exemption amount, and the deposit amount of the item to be leased, the method comprises:

3. The method of claim 2, wherein if the determination result of the step of determining whether the credit rebate amount is greater than or equal to the deposit amount is negative, performing the following operations:

4. The method according to claim 1, wherein the performing credit assessment on a tenant based on a first credit identifier of the tenant included in the lease application comprises:

wherein the credit representation includes at least one of: credit points, risk level, negative records, credit rating.

5. The method for processing interaction of renters based on credit as claimed in claim 3, wherein after the step of recording credit events corresponding to the rental contracts by the credit account corresponding to the first credit identification and the second credit identification of the renter is executed, the method comprises the following steps:

6. The method for interactive processing of a credit-based lessee according to claim 1, wherein after the step of performing credit evaluation on the lessee based on the first credit identifier of the lessee included in the lease application, determining the credit exemption amount of the lessee according to the result of the credit evaluation, and before the step of performing a lease contract for creating an item to be leased according to the status voucher, the credit exemption amount, and the deposit amount of the item to be leased, the method comprises:

if yes, sending prompting information of access failure to the tenant;

7. The method for processing interaction of renters based on credit as claimed in claim 1, wherein after the step of recording credit events corresponding to the rental contracts by the credit account corresponding to the first credit identification and the second credit identification of the renter is executed, the method comprises the following steps:

determining whether the default party is the tenant;

8. The method for processing interaction of renters based on credit as claimed in claim 1, wherein after the step of recording credit events corresponding to the rental contracts by the credit account corresponding to the first credit identification and the second credit identification of the renter is executed, the method comprises the following steps:

judging whether the default party is the leasing party or not;

9. A credit-based tenant interaction processing apparatus, comprising:

the system comprises a leasing application receiving module and a leasing application receiving module, wherein the leasing application receiving module is configured to receive a leasing application and a state certificate of an object to be leased, which are submitted by a leasing party, and the leasing application is as follows: scanning an image identification code provided by a renter by the renter, determining a first credit identification of the renter by analyzing the image identification code, and generating according to the first credit identification and a second credit identification of the renter;

a lease contract creating module configured to create a lease contract for an item to be leased according to the state voucher, the credit exempt amount and a deposit amount of the item to be leased, wherein the state voucher is information for proving a state of the item to be leased before leasing;

10. A credit-based method for processing interaction of a tenant is characterized by comprising the following steps:

and submitting the lease application to a credit mortgage platform, and uploading a state certificate of the object to be leased to the credit mortgage platform, wherein the state certificate is information for proving the state of the object to be leased before leasing.

11. The method according to claim 10, wherein the step of submitting the lease application to the credit mortgage platform and uploading the status voucher of the object to be leased to the credit mortgage platform is executed, and the method comprises:

12. The method according to claim 11, wherein after the steps of submitting the lease application to the credit mortgage platform and uploading the status voucher of the object to be leased to the credit mortgage platform are executed, the method comprises:

13. The method according to claim 10, wherein the step of submitting the lease application to the credit mortgage platform and uploading the status voucher of the object to be leased to the credit mortgage platform is executed, and the method comprises:

14. A credit-based tenant interaction processing apparatus, comprising:

the system comprises a leasing application submitting module and a credit mortgage platform, wherein the leasing application submitting module is configured to submit a leasing application to the credit mortgage platform and upload a state certificate of an article to be leased to the credit mortgage platform, and the state certificate is information for proving the state of the article to be leased before leasing.

15. A credit-based tenant interaction processing system, comprising:

a lender, a lessee and a credit mortgage platform;

the renter is specifically configured to scan an image identification code provided by the renter, determine a first credit identification of the renter by analyzing the image identification code, generate a renting application of an article to be rented submitted to the credit mortgage platform according to the first credit identification and a second credit identification of the renter, and upload a state voucher of the article to be rented to the credit mortgage platform, wherein the state voucher is information for proving the state of the article to be rented before renting;

the credit mortgage platform is configured to receive the rental application and the status voucher submitted by the renter, wherein the rental application is: scanning an image identification code provided by a renter by the renter, determining a first credit identification of the renter by analyzing the image identification code, generating according to the first credit identification and a second credit identification of the renter, performing credit evaluation on the renter based on the first credit identification contained in the renting application, determining a credit exemption amount of the renter according to a credit evaluation result, creating a renting contract of an article to be rented according to the state voucher, the credit exemption amount and the deposit amount of the article to be rented, and recording a credit event corresponding to the renting contract on a credit account corresponding to the first credit identification and the second credit identification.

16. A computing device, comprising:

a memory and a processor;

17. A computing device, comprising:

a memory and a processor;

18. A computer-readable storage medium storing computer instructions, which when executed by a processor implement the steps of the credit-based tenant interaction processing method according to any one of claims 1 through 8.

19. A computer-readable storage medium storing computer instructions, which when executed by a processor implement the steps of the credit-based tenant interaction processing method according to any one of claims 10 through 13.