CN107944970A - The method that lease is realized based on credit - Google Patents
The method that lease is realized based on credit Download PDFInfo
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- CN107944970A CN107944970A CN201711278740.1A CN201711278740A CN107944970A CN 107944970 A CN107944970 A CN 107944970A CN 201711278740 A CN201711278740 A CN 201711278740A CN 107944970 A CN107944970 A CN 107944970A
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- Prior art keywords
- lease
- credit
- request
- cash pledge
- end subscriber
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0645—Rental transactions; Leasing transactions
Abstract
Specification discloses a kind of method that lease is realized based on credit.This method includes：Credit system receives the lease request that lease request end is sent, described to lease request towards specified charter business system；Credit system determines the corresponding cash pledge rule of the credit information of lease request end subscriber；When the cash pledge rule is to exempt from whole cash pledges, credit system sends lease notification to the charter business system；Charter business system is performed based on the lease notification exempts from cash pledge rental operations for the lease request end subscriber；Charter business system sends when definite leasehold article asks end subscriber to be given back by the lease and asks the lease payment request of end subscriber to credit system for the lease；Credit system performs the lease payment request.
Description
Technical field
This specification is related to Internet technical field, more particularly to a kind of method that lease is realized based on credit.
Background technology
With shared rapid development of economy, user is more ready using relatively low into the right to use for exchanging article for originally,
And the expense of non-pay great number removes purchase article.In view of this situation, article provider is not accounted for maliciously in order to ensure assets
With, it will usually allow user to provide personal information before using article, and pay certain cash pledge, for ensureing user using thing
Normally given back after product.It is not convenient enough however, such implementation is relatively complicated, it is desirable to provide a kind of highly efficient, easily
Rental scheme.
The content of the invention
In view of this, this specification provides a kind of method that lease is realized based on credit.
Specifically, this specification is achieved by the following technical solution：
A kind of method that lease is realized based on credit, including：
Credit system receives the lease request that lease request end is sent, described to lease request towards specified charter business system
System；
Credit system determines the corresponding cash pledge rule of the credit information of lease request end subscriber；
When the cash pledge rule is to exempt from whole cash pledges, credit system sends lease notification to the charter business system；
Charter business system is performed based on the lease notification asks the cash pledge lease of exempting from of end subscriber to be grasped for the lease
Make；
For charter business system when definite leasehold article asks end subscriber to be given back by the lease, transmission is directed to the lease
The lease payment request of end subscriber is asked to credit system；
Credit system performs the lease payment request.
A kind of method that lease is realized based on credit, including：
The lease request that lease request end is sent is received, it is described to lease request towards specified charter business system；
Determine the corresponding cash pledge rule of credit information of lease request end subscriber；
When the cash pledge rule is to exempt from whole cash pledges, lease notification is sent to the charter business system, for lease
Operation system is performed based on the lease notification exempts from cash pledge rental operations for the lease request end subscriber；
What reception charter business system was sent when determining that leasehold article asks end subscriber to be given back by the lease is directed to institute
State the lease payment request of lease request end subscriber；
Perform the lease payment request.
The rental scheme provided by this specification it can be seen from above description is for leasing system, without paying close attention to thing
Product cash pledge pays situation, without payment system is individually docked again, realizes simply, while fiduciary lease, can be effective
Reduce the risk that article is maliciously taken.For a user, it is real without paying cash pledge under online without submitting personal information
It is existing convenient, it is more efficient.
Brief description of the drawings
Fig. 1 is a kind of method that lease is realized based on credit shown in one exemplary embodiment of this specification.
Fig. 2 is an a kind of knot of device for being used to realize lease based on credit shown in one exemplary embodiment of this specification
Structure schematic diagram.
Fig. 3 is a kind of block diagram of device that lease is realized based on credit shown in one exemplary embodiment of this specification.
Embodiment
Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following description is related to
During attached drawing, unless otherwise indicated, the same numbers in different attached drawings represent the same or similar key element.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent apparatus and method of some aspects be described in detail in attached claims, this specification.
It is only merely for the purpose of description specific embodiment in the term that this specification uses, and is not intended to be limiting this explanation
Book." one kind " of used singulative, " described " and "the" are also intended to bag in this specification and in the appended claims
Most forms are included, unless context clearly shows that other implications.It is also understood that term "and/or" used herein is
Refer to and any or all may be combined comprising the associated list items purpose of one or more.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used for same type of information being distinguished from each other out.For example, do not taking off
In the case of this specification scope, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on linguistic context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determining ".
This specification provides a kind of scheme that lease is realized based on credit, can be with credit system and charter business system
Realize.
Wherein, credit system is typically to be disposed by the service provider of offer credit evaluation function, its physical support is usual
For server or server cluster, in addition to credit evaluation function, credit system can also call payment system to realize payment work(
Energy, or credit system have payment function in itself, and this specification is not particularly limited this.
Charter business system is usually by providing a user article leasehold business, and the lease service for collecting corresponding remuneration provides
Business disposes, for example, charter business system can include charger baby leasing system, umbrella leasing system etc., this specification to this not
Make specifically limited.The physical support of charter business system is generally also server or server cluster.
In this specification, user can initiate lease request by systems such as charter business system or credit systems.Credit
System can assess the credit of user, and when the credit information of user corresponds to the cash pledge rule for exempting from whole cash pledges, hair
Lease notification is sent to give charter business system, charter business system and then can be by article leasehold to user, and give back thing in user
During product, lease payment request is initiated.Whole process pays situation for leasing system, without pay close attention to article cash pledge,
Without individually docking payment system again, realize simply, while fiduciary lease, it can effectively reduce what article was maliciously taken
Risk.For a user, without submitting personal information, without paying cash pledge under online, it is convenient to realize, more efficient.
Fig. 1 is a kind of method that lease is realized based on credit shown in one exemplary embodiment of this specification.
Please refer to Fig.1, it is described to realize that the method for lease may comprise steps of based on credit：
Step 102, credit system receives the lease request that lease request end is sent, described to lease request towards specified lease
Operation system.
In the present embodiment, can be by specifying approach to send out based on the terminal device of oneself when user wants leasehold article
Send towards specified charter business system lease and ask.The terminal device is exactly the lease request initiating terminal through taking.
In the present embodiment, the specified approach can include：Scanning specifies Quick Response Code, clicks on finger shown in client
Determine button etc..
Above-mentioned Quick Response Code, client can be provided by credit system, can also be provided by charter business system, this specification is to this
It is not particularly limited.
When above-mentioned Quick Response Code, client are provided by credit system, credit system can directly receive above-mentioned lease please
Ask.
When above-mentioned Quick Response Code, client are provided by charter business system, charter business system can receive above-mentioned lease
Request, and lease request is sent to credit system.
In the present embodiment, the mark of charter business system can be carried in the lease request, in the lease request
The mark that user thinks the article of lease can also be carried, its corresponding charter business system can be navigated to according to the article mark
System.
In the present embodiment, the identity information of user is usually carried in the lease request, such as：Account ID etc., leads to
The other information of user can be got by crossing the identity information of user, such as：Historical trading data etc..If in the lease request
The identity information of user is not carried, can also be exported identity information and be filled in the page, so that user fills in manually, this specification is to this
It is not particularly limited.
Step 104, credit system determines the corresponding cash pledge rule of the credit information of lease request end subscriber.
In the present embodiment, credit system is after the lease request is received, it may be determined that the letter of lease request end subscriber
Use information.
In one example, credit system can first obtain the lease request relevant various data of end subscriber, and then basis obtains
The data got determine the credit information of lease request end subscriber.
Specifically, credit system can first according to the identity information of user obtain the current location of user, facial image,
The information such as historical trading data, history promise breaking data, then carry out quantification treatment to the information got, and according to quantized result
Calculate the credit information of user.
In another example, the credit information of user can also be determined by credit system is asynchronous.For example, credit system can
Predefine the credit information of each user and preservation.After lease request is received, the credit letter of the user preserved is obtained
Breath.
In one example, the form that shows of the credit information can be credit scoring, can be directly perceived based on credit scoring
The credit grade of initiation user is determined, for example, credit is qualified or credit is unqualified.Wherein, credit qualification can usually represent to initiate
The contractual capacity of user is stronger；And credit it is unqualified can usually represent initiate user contractual capacity it is poor.
In another example, the form that shows of the credit information can be credit scoring and credit grade, wherein, should
Credit grade can include：Credit is qualified, credit is unqualified.Based on the credit grade, can intuitively determine to initiate the letter of user
Use grade；Based on the credit scoring, can the initiation user identical to credit grade further discriminate between.
In the present embodiment, after the credit information of lease request end subscriber is determined, it may be determined that the credit information corresponds to
Cash pledge rule.
Wherein, the cash pledge rule can be configured in advance by charter business system., can be with for different leasehold articles
Identical cash pledge rule is set, different cash pledge rules can also be set.
The cash pledge rule can include：Exempt from whole cash pledges, exempt from part cash pledge and cash pledge etc. unavoidably.
Step 106, when the cash pledge rule is to exempt from whole cash pledges, credit system sends lease notification to the leasing industry
Business system.
In the present embodiment, when the credit information of lease request end subscriber is corresponding exempts from whole cash pledges, the user is illustrated
Credit it is preferable, rent article need not pay cash pledge.Credit system and then lease notification can be sent give charter business system.
Step 108, charter business system is performed based on the lease notification and exempts to give as security for the lease request end subscriber
Golden rental operations.
In the present embodiment, when charter business system is when manually leasing by the way of article, be able to will be used by staff
The items that family is rented are to user.
When charter business system is when by the way of self-service rent article, charter business system can control article ingathering
Open, so that user gets the article of rental.For example, charter business system can control the cabinet door for the cabinet for opening article
Deng this specification is not particularly limited this.
Step 110, when definite leasehold article asks end subscriber to be given back by the lease, transmission is directed to charter business system
The lease payment request of the lease request end subscriber is to credit system.
In the present embodiment, user after the article of lease is obtained, it is necessary to give back the article in term of a lease in agreement.
The term of a lease is usually prespecified by charter business system.
When charter business system is when manually leasing by the way of article, user can incite somebody to action after use finishes the article
The article returns to relevant staff, staff and then can send lease payment request to credit system.Wherein, it is described
Lease expenses is carried in lease payment request.For example, staff finds the lease order of the user, and the corresponding rent of typing
Rental fee etc..
When charter business system is when by the way of self-service rent article, user, can should after use finishes the article
Article is given back to the article ingathering of charter business system.Charter business system, can after confirming that the article is successfully given back
Credit system is issued so that the corresponding lease expenses of the article to be added in lease payment request.
Step 112, credit system performs the lease payment request.
Based on abovementioned steps 110, credit system can be used after the lease payment request is received from lease request end
The lease expenses carried in the lease payment request is deducted in the account of family binding, to realize the clearing of lease expenses.
In the present embodiment, charter business system, can when definite leasehold article asks end subscriber to be given back by the lease
Lease payment request is directly transmitted to credit system, to ask credit system to deduct the lease expenses of user.Whole process need not
Charter business system, which is sent, gives back notice to credit system, can effectively reduce the complexity of Rental Procedure, avoid charter business system
System, which is forgotten to send, gives back the credit default risk that notice is brought to lease request end subscriber.
The rental scheme provided by this specification it can be seen from above description is for leasing system, without paying close attention to thing
Product cash pledge pays situation, without payment system is individually docked again, realizes simply, while fiduciary lease, can be effective
Reduce the risk that article is maliciously taken.For a user, it is real without paying cash pledge under online without submitting personal information
It is existing convenient, it is more efficient.
Below exemplified by leasing basketball, process, which is described in detail, to be realized to the application.
It is assumed that little Bai wants that renting a basketball goes to play ball, court is provided with self-service basketball lease cabinet.
Little Bai can use the client software interacted with credit system to scan the Quick Response Code provided on basketball lease cabinet, visitor
Family end software and then basketball lease request can be sent to credit system.
On the one hand credit system can obtain the credit scoring of little Bai after basketball lease request is received；On the other hand
The pre-set cash pledge rule corresponding with basketball lease of basketball charter business system can be obtained.
| Credit scoring X | Cash pledge rule |
| X≥550 | Exempt from whole cash pledges |
| 500≤X<550 | Exempt from part cash pledge |
| X<500 | Cash pledge unavoidably |
Table 1
The cash pledge rule shown in table 1 is refer to, in one example, it is assumed that the credit scoring of little Bai is 600 points, then can be with
It is to exempt from whole cash pledges to determine corresponding cash pledge rule, credit system and then can send lease notification and gives charter business system.
In another example, it is assumed that the credit scoring of little Bai is 520 points, then can determine that corresponding cash pledge rule is to exempt from
Part cash pledge.Assuming that it is to exempt from 50% cash pledge that this, which exempts from part cash pledge, and the cash pledge amount of money is 100 yuan, then credit system can be prompted first
Small 50 yuan of white rami deposit, after little Bai successfully 50 yuan of branch deposits, can send lease notification and give charter business system.
In another example, it is assumed that the credit scoring of little Bai is 480 points, then can determine that corresponding cash pledge rule is not
Exempt from cash pledge.Credit system can first prompt small white rami to pay whole 100 yuan of cash pledges, can after little Bai successfully 100 yuan of branch deposits
Charter business system is given to send lease notification.
Certainly, credit system can also judge whether little Bai binds before lease notification is sent to charter business system
Withhold account, if unbound, little Bai can be prompted to be bound, so as to continuation payment lease expenses.The processing of this part
Correlation technique is referred to realization, this is no longer going to repeat them for this specification.
Charter business system is after the lease notification of credit system transmission is received, it is believed that and cash pledge is paid, and then
The cabinet door of basketball lease cabinet can be controlled to open, so that young white collar worker takes basketball.
Little Bai can also open the cabinet door of basketball lease cabinet after having played ball by way of scanning the two-dimensional code, and by basket
Ball is placed into basketball lease cabinet, turns off cabinet door.Charter business system can be true by modes such as weight detecting, video monitorings
Determine little Bai and given back basketball, then calculate the lease expenses spent required for little Bai lease basketballs.For example, the lease according to little Bai
Time determines lease expenses.
After lease expenses is determined, charter business system can send the lease for carrying lease expenses and little Bai identity informations
Payment request is to credit system.Credit system so can from little Bai bind account of withholing in deduct lease expenses, with pay
Give charter business system.
In the present embodiment, finished if the lease payment request is performed, credit system positive can update little Bai's
Credit information, for example, the accordingly credit scoring of increase little Bai.
If the lease payment request is performed failure, prompt message can be exported to little Bai, for it is small it is empty-handed move into
Row is paid.When reaching predetermined payment times or predetermined duration, if not paying yet successfully, can be updated with negative sense small
White credit information, for example, accordingly reducing the credit scoring of little Bai.
It is worth noting that, in the scene of above-mentioned lease basketball, lease expenses usually with the lease basketball of little Bai when
Long positive correlation, in such scene, charter business system can be not provided with term of a lease, can also set longer leasing period
Limit.
Optionally, in another example, credit system can also generate the lease order of corresponding basketball lease request, and
The lease order is pushed to little Bai, little Bai can check order detail, application modification order, example by client software
Such as, application extends term of a lease etc., easy to operate.
Wherein, the lease order can include：The cash pledge amount of money, lease duration, lease expenses, term of a lease etc., specifically
It can be configured according to the characteristic of leasehold article, this specification is not particularly limited this.
The push opportunity of the lease order can be that after lease notification is sent, can also be sent at the same time with lease notification,
The present embodiment is not particularly limited this.
On the other hand, which can also be pushed to charter business system by credit system, and charter business system can
Modified with the actual conditions according to lease to lease order, for example, modification term of a lease etc..
In another example, if when reaching term of a lease, charter business system determines that basketball is not given back by little Bai,
Then charter business system can be assumed that little Bai breaks a contract, and then can send promise breaking payment request to credit system.
Credit system can deduct promise breaking expense when receiving the promise breaking payment request from the account of withholing that little Bai is bound
With.The promise breaking expense is usually specified by charter business system.Certainly, do not avoid charter business system in violation of rules and regulations deduct fees to user with
To lose, credit system can first judge whether promise breaking expense exceeds whole cash pledges of basketball before the promise breaking payment request is performed
100 yuan.
If the expense of promise breaking can perform the promise breaking payment request, and can accordingly reduce little Bai without departing from above-mentioned cash pledge
Credit scoring.
If promise breaking expense exceeds above-mentioned cash pledge, can refuse to perform the promise breaking payment request.
The rental scheme provided by this specification it can be seen from above description is for leasing system, without paying close attention to thing
Product cash pledge pays situation, without payment system is individually docked again, realizes simply, while fiduciary lease, can be effective
Reduce the risk that article is maliciously taken.For a user, it is real without paying cash pledge under online without submitting personal information
It is existing convenient, it is more efficient.
Corresponding with the embodiment of the foregoing method that lease is realized based on credit, this specification additionally provides real based on credit
The embodiment for the device now leased.
This specification realizes that the embodiment of the device of lease can be applied on the server based on credit.Device embodiment can
To be realized by software, can also be realized by way of hardware or software and hardware combining.Exemplified by implemented in software, as one
Device on logical meaning, is by corresponding computer program in nonvolatile memory by the processor of server where it
Instruction reads what operation in memory was formed.For hardware view, rented as shown in Fig. 2, being based on credit for this specification and realizing
A kind of hardware structure diagram of server where the device rented, except the processor shown in Fig. 2, memory, network interface and it is non-easily
Outside the property lost memory, the server in embodiment where device can also include generally according to the actual functional capability of the server
Other hardware, repeat no more this.
Fig. 3 is a kind of block diagram of device that lease is realized based on credit shown in one exemplary embodiment of this specification.
Please refer to Fig.3, it is described to realize that the device 200 of lease is applied in the server shown in earlier figures 2 based on credit
In, include：Request reception unit 201, rule determination unit 202, notice transmitting element 203, payment processes unit 204 and
Order push unit 205.
Wherein, request reception unit 201, receive the lease request that lease request end is sent, described to lease request towards finger
Determine charter business system；
Rule determination unit 202, determines the corresponding cash pledge rule of credit information of lease request end subscriber；
Notify transmitting element 203, when the cash pledge rule is to exempt from whole cash pledges, send lease notification to the leasing industry
Business system, exempts from cash pledge lease so that charter business system is performed based on the lease notification for the lease request end subscriber
Operation；
Payment processes unit 204, receives charter business system and asks end subscriber to be returned by the lease in definite leasehold article
What is sent when also asks the lease payment request of end subscriber for the lease；Perform the lease payment request.
Optionally, the rule determination unit 202, when the cash pledge rule is to exempt from part cash pledge, determines lease request
The corresponding cash pledge amount of credit information of end subscriber；
The payment processes unit 204, the cash pledge towards the lease request end subscriber is initiated based on the cash pledge amount
Payment request；
It is described notice transmitting element 203, after the cash pledge payment request is performed, send the lease notification to
The charter business system.
Optionally, the rule determination unit 202, when the cash pledge rule is cash pledge unavoidably, notifies payment processes list
Member 204 asks corresponding cash pledge amount to initiate the cash pledge payment request towards the lease request end subscriber based on the lease；
It is described notice transmitting element 203, after the cash pledge payment request is performed, send the lease notification to
The charter business system.
Optionally, the payment processes unit 204, after the lease payment request is performed, forward direction renewal is rented
Rent and ask the credit information of end subscriber.
Optionally, order push unit 205, the lease order of the corresponding lease request of generation, and the lease is ordered
Singly it is pushed to lease request end.
Optionally, the payment processes unit 204, receives the promise breaking payment request that end subscriber is asked for the lease,
The promise breaking payment request be when reaching predetermined term of a lease, it is not described in definite leasehold article by charter business system
Lease request end subscriber is sent when giving back；
Perform the promise breaking payment request, and the credit information of the negative sense renewal lease request end subscriber.
The function of unit and effect realizes that process specifically refers to step is corresponded in the above method in above device
Realize process, details are not described herein.
For device embodiment, since it corresponds essentially to embodiment of the method, so related part is real referring to method
Apply the part explanation of example.Device embodiment described above is only schematical, wherein described be used as separating component
The unit of explanation may or may not be physically separate, can be as the component that unit is shown or can also
It is not physical location, you can with positioned at a place, or can also be distributed in multiple network unit.Can be according to reality
Need to select some or all of module therein to realize the purpose of this specification scheme.Those of ordinary skill in the art are not
In the case of making the creative labor, you can to understand and implement.
System, device, module or the unit that above-described embodiment illustrates, can specifically be realized by computer chip or entity,
Or realized by having the function of certain product.One kind typically realizes that equipment is computer, and the concrete form of computer can
To be personal computer, laptop computer, cell phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet PC, wearable device or these equipment
The combination of any several equipment.
Corresponding with the embodiment of the foregoing method that lease is realized based on credit, this specification also provides another based on letter
With the device for realizing lease, it should realize that the device of lease included based on credit：Processor and it can perform finger for storing machine
The memory of order.Wherein, processor and memory are usually connected with each other by internal bus.In other possible implementations
In, the equipment is also possible that external interface, so as to communicating with other equipment or component.
In the present embodiment, the control with being realized lease based on credit by reading and performing the memory storage is patrolled
Corresponding machine-executable instruction is collected, the processor is prompted to：
The lease request that lease request end is sent is received, it is described to lease request towards specified charter business system；
Determine the corresponding cash pledge rule of credit information of lease request end subscriber；
When the cash pledge rule is to exempt from whole cash pledges, lease notification is sent to the charter business system, for lease
Operation system is performed based on the lease notification exempts from cash pledge rental operations for the lease request end subscriber；
What reception charter business system was sent when determining that leasehold article asks end subscriber to be given back by the lease is directed to institute
State the lease payment request of lease request end subscriber；
Perform the lease payment request.
Optionally, it is corresponding by reading and performing the control logic with realizing lease based on credit of the memory storage
Machine-executable instruction, the processor is also prompted to：
When the cash pledge rule is to exempt from part cash pledge, the corresponding cash pledge volume of credit information of lease request end subscriber is determined
Degree；
Cash pledge payment request towards the lease request end subscriber is initiated based on the cash pledge amount；
After the cash pledge payment request is performed, the lease notification is sent to the charter business system.
Optionally, it is corresponding by reading and performing the control logic with realizing lease based on credit of the memory storage
Machine-executable instruction, the processor is also prompted to：
When the cash pledge rule is cash pledge unavoidably, corresponding cash pledge amount is asked to be initiated towards described based on the lease
The cash pledge payment request of lease request end subscriber；
After the cash pledge payment request is performed, the lease notification is sent to the charter business system.
Optionally, it is corresponding by reading and performing the control logic with realizing lease based on credit of the memory storage
Machine-executable instruction, the processor is also prompted to：
After the lease payment request is performed, the credit information of positive more fresh tenancy request end user.
Optionally, it is corresponding by reading and performing the control logic with realizing lease based on credit of the memory storage
Machine-executable instruction, the processor is also prompted to：
The lease order of the corresponding lease request of generation, and the lease order is pushed to lease request end.
Optionally, it is corresponding by reading and performing the control logic with realizing lease based on credit of the memory storage
Machine-executable instruction, the processor is also prompted to：
The promise breaking payment request of end subscriber is asked in reception for the lease, and the promise breaking payment request is predetermined in arrival
Term of a lease when, by charter business system definite leasehold article not by it is described lease ask end subscriber give back when send；
Perform the promise breaking payment request, and the credit information of the negative sense renewal lease request end subscriber.
Corresponding with the embodiment of the foregoing method that lease is realized based on credit, this specification also provides a kind of computer can
Storage medium is read, is stored with computer program on the computer-readable recording medium, which realizes when being executed by processor
Following steps：
The lease request that lease request end is sent is received, it is described to lease request towards specified charter business system；
Determine the corresponding cash pledge rule of credit information of lease request end subscriber；
When the cash pledge rule is to exempt from whole cash pledges, lease notification is sent to the charter business system, for lease
Operation system is performed based on the lease notification exempts from cash pledge rental operations for the lease request end subscriber；
What reception charter business system was sent when determining that leasehold article asks end subscriber to be given back by the lease is directed to institute
State the lease payment request of lease request end subscriber；
Perform the lease payment request.
Optionally, when the cash pledge rule is to exempt from part cash pledge, determine that the credit information of lease request end subscriber corresponds to
Cash pledge amount；
Cash pledge payment request towards the lease request end subscriber is initiated based on the cash pledge amount；
After the cash pledge payment request is performed, the lease notification is sent to the charter business system.
Optionally, further include：
When the cash pledge rule is cash pledge unavoidably, corresponding cash pledge amount is asked to be initiated towards described based on the lease
The cash pledge payment request of lease request end subscriber；
After the cash pledge payment request is performed, the lease notification is sent to the charter business system.
Optionally, further include：
After the lease payment request is performed, the credit information of positive more fresh tenancy request end user.
Optionally, further include：
The lease order of the corresponding lease request of generation, and the lease order is pushed to lease request end.
Optionally, further include：
The promise breaking payment request of end subscriber is asked in reception for the lease, and the promise breaking payment request is predetermined in arrival
Term of a lease when, by charter business system definite leasehold article not by it is described lease ask end subscriber give back when send；
Perform the promise breaking payment request, and the credit information of the negative sense renewal lease request end subscriber.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the action recorded in detail in the claims or step can be come according to different from the order in embodiment
Perform and still can realize desired result.In addition, the process described in the accompanying drawings not necessarily require show it is specific suitable
Sequence or consecutive order could realize desired result.In some embodiments, multitasking and parallel processing be also can
With or it may be advantageous.
It is all in this explanation not to limit this specification the foregoing is merely the preferred embodiment of this specification
The spirit of book and any modification, equivalent substitution, improvement and etc. within principle, done, should be included in the model of this specification protection
Within enclosing.
Claims (12)
1. a kind of method that lease is realized based on credit, including：
Credit system receives the lease request that lease request end is sent, described to lease request towards specified charter business system；
Credit system determines the corresponding cash pledge rule of the credit information of lease request end subscriber；
When the cash pledge rule is to exempt from whole cash pledges, credit system sends lease notification to the charter business system；
Charter business system is performed based on the lease notification exempts from cash pledge rental operations for the lease request end subscriber；
Charter business system sends and is asked for the lease when definite leasehold article asks end subscriber to be given back by the lease
The lease payment request of end subscriber is to credit system；
Credit system performs the lease payment request.
2. according to the method described in claim 1, further include：
When the cash pledge rule is to exempt from part cash pledge, credit system determines the corresponding signature of credit information of lease request end subscriber
Amount of money degree；
Credit system initiates the cash pledge payment request towards the lease request end subscriber based on the cash pledge amount；
After the cash pledge payment request is performed, credit system sends the lease notification to the charter business system
System.
3. according to the method described in claim 1, further include：
When the cash pledge rule is cash pledge unavoidably, credit system be based on the lease ask corresponding cash pledge amount initiate towards
The cash pledge payment request of the lease request end subscriber；
After the cash pledge payment request is performed, credit system sends the lease notification to the charter business system
System.
4. according to the method described in claim 1, further include：
Credit system is after the lease payment request is performed, the credit information of positive more fresh tenancy request end user.
5. according to the method described in claim 1, further include：
The lease order of the corresponding lease request of credit system generation, and the lease order is pushed to lease request end.
6. according to the method described in claim 1, further include：
When reaching predetermined term of a lease, if charter business system determines that leasehold article does not ask end subscriber to be returned by the lease
Also, then send and ask the promise breaking payment request of end subscriber to credit system for the lease；
Credit system performs the promise breaking payment request, and the credit information of the negative sense renewal lease request end subscriber.
7. a kind of method that lease is realized based on credit, including：
The lease request that lease request end is sent is received, it is described to lease request towards specified charter business system；
Determine the corresponding cash pledge rule of credit information of lease request end subscriber；
When the cash pledge rule is to exempt from whole cash pledges, lease notification is sent to the charter business system, for charter business
System is performed based on the lease notification exempts from cash pledge rental operations for the lease request end subscriber；
What reception charter business system was sent when determining that leasehold article asks end subscriber to be given back by the lease is directed to the rent
Rent and ask the lease payment request of end subscriber；
Perform the lease payment request.
8. according to the method described in claim 7, further include：
When the cash pledge rule is to exempt from part cash pledge, the corresponding cash pledge amount of credit information of lease request end subscriber is determined；
Cash pledge payment request towards the lease request end subscriber is initiated based on the cash pledge amount；
After the cash pledge payment request is performed, the lease notification is sent to the charter business system.
9. according to the method described in claim 7, further include：
When the cash pledge rule is cash pledge unavoidably, corresponding cash pledge amount is asked to be initiated towards the lease based on the lease
Ask the cash pledge payment request of end subscriber；
After the cash pledge payment request is performed, the lease notification is sent to the charter business system.
10. according to the method described in claim 7, further include：
After the lease payment request is performed, the credit information of positive more fresh tenancy request end user.
11. according to the method described in claim 7, further include：
The lease order of the corresponding lease request of generation, and the lease order is pushed to lease request end.
12. according to the method described in claim 7, further include：
The promise breaking payment request that end subscriber is asked for the lease is received, the promise breaking payment request is to reach predetermined rent
Rent the time limit when, by charter business system definite leasehold article not by it is described lease ask end subscriber give back when send；
Perform the promise breaking payment request, and the credit information of the negative sense renewal lease request end subscriber.
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| CN108681949A (en) * | 2018-05-29 | 2018-10-19 | 青岛未来移动医疗科技有限公司 | A kind of diagnostic equipment leasing system and rent method |
| CN108985904A (en) * | 2018-08-13 | 2018-12-11 | 小火车车业发展（深圳）有限公司 | A kind of leasing method and tenantable mobile power source of mobile power source |
| CN109165979A (en) * | 2018-08-24 | 2019-01-08 | 杭州高低科技有限公司 | Programming educational system and its marketing strategy method based on tangible programming instruction building blocks |
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| CN111523138A (en) * | 2020-04-20 | 2020-08-11 | 支付宝(杭州)信息技术有限公司 | Method, device and system for protecting private data and electronic equipment |
| CN112150252A (en) * | 2020-10-12 | 2020-12-29 | 支付宝(杭州)信息技术有限公司 | Credit-based service processing method and device |
| CN112435412A (en) * | 2020-11-09 | 2021-03-02 | 深圳唐恩科技有限公司 | Microphone sharing method, device, system and readable storage medium |
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| CN108985904A (en) * | 2018-08-13 | 2018-12-11 | 小火车车业发展（深圳）有限公司 | A kind of leasing method and tenantable mobile power source of mobile power source |
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| CN113065908A (en) * | 2020-01-02 | 2021-07-02 | 中国移动通信有限公司研究院 | Rental method, rental device, rental platform, and storage medium |
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