Invention content
This specification one or more embodiment describes a kind of rent method and device, can save lease trade company at
This.
In a first aspect, a kind of rent method is provided, including:
Receive the lease request that the client of tenant is sent;
The lease is asked:The merchant information of trade company, the charging regulation of Lease object and the lease is leased to use
The identification information at family;
The merchant information and the charging regulation are to pass through artificial intelligence technology or optics word by the client
Accord with what the character information on identification technology identification material obtained;Alternatively, the merchant information and the charging regulation are by institute
State what client was sent by the character information on shooting material and with graphic form;
According to the identification information, the credit information of the tenant is obtained;
When the credit information meets preset credit constraints, corresponding lease order is generated, and described in record
Lease the generated time of order;
The lease ending request that the client of the lease trade company is sent for the lease order is received, and described in record
Lease the receiving time of ending request;
According to the generated time and the receiving time, the lease duration of this lease is determined;
According to the charging regulation and the lease duration, the lease expenses of this lease is settled accounts.
Second aspect provides a kind of leasing system, including:
Receiving unit, the lease request that the client for receiving tenant is sent;
The lease is asked:The merchant information of trade company, the charging regulation of Lease object and the lease is leased to use
The identification information at family;
The merchant information and the charging regulation are to pass through artificial intelligence technology or optics word by the client
Accord with what the character information on identification technology identification material obtained;Alternatively, the merchant information and the charging regulation are by institute
State what client was sent by the character information on shooting material and with graphic form;
Acquiring unit, for according to the identification information, obtaining the credit information of the tenant;
Generation unit, the credit information for being obtained when the acquiring unit meet preset credit constraints
When, corresponding lease order is generated, and record the generated time of the lease order;
The receiving unit is additionally operable to receive the lease that the client of the lease trade company is sent for the lease order
Ending request, and record the receiving time of the lease ending request;
Determination unit, the lease duration for according to the generated time and the receiving time, determining this lease;
Clearing unit, the lease duration for being determined according to the charging regulation and the determination unit, to this
The lease expenses of secondary lease is settled accounts.
The rent method and device that this specification one or more embodiment provides, the client of tenant pass through artificial
Intellectual technology or optical character recognition technology identification material on character information, with obtain lease trade company merchant information and
The charging regulation of Lease object.Lease request is sent to server, lease request includes the merchant information at lessor family, lease
The charging regulation of object and the identification information of tenant.Alternatively, the character letter on the client shooting material of tenant
Breath, to obtain picture, which includes the charging regulation of the merchant information and Lease object of leasing trade company.It is sent to server
Lease request, lease request include the identification information of picture and tenant.Server obtains lease according to identification information
The credit information of user.When credit information meets preset credit constraints, corresponding lease order is generated, and record rent
It rents generated time of order.The lease ending request that the client of lease trade company is sent for lease order is received, and records rent
The receiving time for ending request of renting.According to generated time and receiving time, the lease duration of this lease is determined.According to charging
Rule and lease duration, settle accounts the lease expenses of this lease.Thus, it is possible to save the cost of lease trade company.
Specific implementation mode
Below in conjunction with the accompanying drawings, the scheme provided this specification is described.
The rent method that this specification one embodiment provides can be applied in scene as shown in Figure 1, in Fig. 1, visitor
Family end can pass through artificial intelligence (Artificial Intelligence, AI) technology or optical character identification (Optical
Character Recognition, OCR) technology identification character information.The character information can be printing, can also be hand
It writes.Above-mentioned printing or hand-written character information can also be shot, to obtain picture.Server in Fig. 1 can
With to user network trading and behavioral data analyze, and then the credit of user is assessed.
Specifically, the client in Fig. 1 can identify material by artificial intelligence technology or optical character recognition technology
On character information, with obtain lease trade company merchant information and Lease object charging regulation.It sends and leases to server
Request, lease request include the mark letter of the merchant information at lessor family, the charging regulation of Lease object and tenant
Breath.Alternatively, the character information on material can also be shot, to obtain picture, the picture include lease the merchant information of trade company with
And the charging regulation of Lease object.Lease request is sent to server, lease request includes the mark of picture and tenant
Know information.
Server can assess the credit of tenant after receiving lease request.When tenant
After credit evaluation passes through, corresponding lease order can be generated, and records the generated time of lease order.Receive lease trade company
The lease ending request that client is sent for lease order, and record the receiving time of lease ending request.When according to generating
Between and receiving time, determine this lease lease duration.According to charging regulation and lease duration, to the rent of this lease
Rental fee is settled accounts.
It should be noted that before executing the rent method that this specification provides, quotient as shown in Figure 2 can be first carried out
Family register flow path.The flow may include steps of:
Step 210, the registration request of lease trade company is received.
Registration request herein can be that by corresponding client, (client is defined as above institute by leasing trade company
State) sent to server.Specifically, lease trade company can fill in corresponding trade company by the list that corresponding client provides
Information (e.g., title and account etc.).It is filled in lease trade company and completes corresponding merchant information, and clicked for indicating information solicitation
When button (e.g., the submitting button) of completion, which can send registration request to server.The registration request may include
Lease the merchant informations such as title and the account of trade company.
Step 220, identity verification is carried out to lease trade company.
Herein, it may include two kinds to carry out the mode of identity verification to lease trade company:First, the mode of password;Second, brush
The mode of face.For in the way of password, server can indicate client load branch after receiving registration request
Pay the input module of password.If the payment cipher that lease trade company is inputted by the component (can pass through client by leasing trade company
The login interface at end is preset) it is proved to be successful, then it is assumed that identity verification success.
Step 230, when to the identity verification success of lease trade company, the credit to leasing trade company is assessed.
In one implementation, can be according to the account of lease trade company, being obtained from the background data base of server should
Lease the credit evaluation data of trade company.Then according to the credit evaluation data, the credit to leasing trade company is assessed, and e.g., is sentenced
Whether disconnected lease trade company has negative records or whether has fraud etc..
Step 240, after passing through to the credit evaluation for leasing trade company, the title and account of record lease trade company.
It is understood that after the operation for completing above-mentioned record, the registration process for leasing trade company terminates, so as to
As Mian Ya trade companies.
It should be noted that after lease trade company succeeds in registration, it can be to make material under line.The content of the material can wrap
It includes:Lease the merchant information (e.g., title and/or account etc.) of trade company and the charging regulation of Lease object.Wherein, Lease object
Such as can be the article that bicycle, automobile etc. can be shared.For by taking Lease object is bicycle as an example, charging regulation for example may be used
Think:5 yuan etc. per hour.In one implementation, the material for leasing trade company can be as shown in Figure 3.Material shown in Fig. 3
Include the character informations such as " ×× company " and " per hour 5 yuan ".Wherein, " ×× company " can refer to the name for leasing trade company
Claim, " per hour 5 yuan " can refer to the charging regulation of Lease object.It should be noted that above-mentioned character information can be printing
Can also be hand-written.Certainly, in practical applications, the character information on material may be other forms, this specification
This is not construed as limiting.
Trade company is leased after making material, which can be placed on corresponding stand.
In the scheme that this specification provides, after being registered as Mian Ya trade companies, oneself makes the mode of material for lease trade company
It can be to avoid cumbersome operations such as lessor family application for execution Quick Response Codes, it is possible thereby to promote the experience of lease trade company.
After executing the above-mentioned Merchants register flow of completion, so that it may to execute the rent method of this specification offer.
Fig. 4 is the rent method flow chart that this specification one embodiment provides.The executive agent of the method can be
Equipment with processing capacity:Server either system or device, e.g., the server in Fig. 1.As shown in figure 4, the method
It can specifically include:
Step 410, the lease request that the client of tenant is sent is received.
In one implementation, when tenant is wanted to lease certain object (e.g., bicycle or vapour by way of under line
Vehicle etc.) when, corresponding client can be placed in the material of the stand of lease trade company by AI technologies or OCR technique identification
Character information on (as described above), to obtain the merchant information of lease trade company and the charging regulation of Lease object.With client
End be Alipay client for for, which can be:Tenant is on the corresponding boundary of Alipay client terminal start-up
Face identifies the character information on material by " sweep and the sweep " function on the interface later.In the quotient for getting lease trade company
After the charging regulation of family information and Lease object, lease request can be sent to server, lease request may include
Lease merchant information, the charging regulation of Lease object and the identification information (e.g., uerid) of tenant of trade company.In addition, should
Lease request can also include the information such as the account of tenant.
In another implementation, when tenant want to lease by way of under line certain object (e.g., bicycle or
Automobile etc.) when, corresponding client can shoot the character on the material (as described above) for the stand for being placed in lease trade company
Information, to obtain picture.It is understood that the picture that shooting obtains includes merchant information and the lease pair for leasing trade company
The charging regulation of elephant.After obtaining picture, lease request can be sent to server, lease request may include above-mentioned figure
The identification information of piece and tenant.
It should be noted that in practical applications, the picture in above-mentioned lease request can be compressed picture, to reach
To the purpose to economize on resources.
It is understood that when lease request includes the identification information of picture and tenant, server is connecing
After receiving lease request, image recognition processing can be carried out to picture, to obtain the merchant information and rent of lease trade company
It rents the charging regulation of object.
In this kind of realization method, client is not identified the character information on material, and directly with the shape of picture
Formula sends the mode of the merchant information of lease trade company and the charging regulation of Lease object to server, can reduce and use lease
The requirement of the client at family, so as to promote user experience.
Step 420, according to identification information, the credit information of tenant is obtained.
It optionally,, can be first according to lease trade company before the information for obtaining tenant according to identification information
Merchant information (title and/or account), searches corresponding lease trade company, to determine whether the lease trade company is pre-registered exempt from
Give as security trade company.If it is not, then this Rental Procedure can be terminated.If it is, tenant can be obtained according to identification information
Credit information, e.g., credit score numerical value.Credit score numerical value herein can be by server in advance to the network trading of tenant
And behavioral data is analyzed and is later obtained.
Step 430, when credit information meets preset credit constraints, corresponding lease order is generated, and record
Lease the generated time of order.
For by taking credit information is credit score numerical value as an example, above-mentioned credit information meets preset credit constraints can be with
Refer to credit score numerical value be more than predetermined threshold value.Predetermined threshold value herein can be set based on experience value.
It should be noted that the lease order of above-mentioned generation can include order number, merchant information and charging regulation etc.
Information.In addition, when lease request further includes the account of tenant, which can also include the account of tenant
Deng.
Server can record the generated time of the lease order after generating above-mentioned lease order.It is appreciated that
It is that the generated time can storage corresponding with lease order.It should be noted that server is rented after generating lease order
It rents user or lessor can check the lease order by corresponding client per family.
Step 440, the lease ending request that the client of lease trade company is sent for lease order is received, and records lease
The receiving time of ending request.
After tenant is leased, lease trade company can send lease by corresponding user end to server and terminate
Request.The lease ending request may include the order number of above-mentioned lease order.Server is receiving the lease ending request
When, the receiving time of the lease ending request can be recorded.
Step 450, according to generated time and receiving time, the lease duration of this lease is determined.
Specifically, according to the order number in lease ending request, corresponding lease order is obtained.Getting lease order
Later, the generated time of the lease order is read.Finally, according to generated time and receiving time, the rent of this lease is determined
It rents duration.
Step 460, according to charging regulation and lease duration, the lease expenses of this lease is settled accounts.
Charging regulation herein can be obtained from lease order.
It is understood that after the lease expenses leased this is settled accounts, so that it may to execute corresponding payment
It operates.When leasing the account of account and tenant that order includes lease trade company, the implementation procedure of the delivery operation
Can be:The account of lease trade company and the account of tenant are read from lease order, more than the account of tenant
Volume reduces the lease expenses of clearing, and the remaining sum of the account to leasing trade company increases the lease expenses of clearing.
It should be noted that when it includes to lease the account of trade company to lease order only, then it can be first according to tenant
Identification information obtains the account of tenant, executes corresponding delivery operation again later.
Certainly, in practical applications, it is also possible to which there are the impaired situations of Lease object.When Lease object is damaged,
Tenant can other payment flows or by by way of being paid under line to lease trade company Litis aestimatio.
To sum up, in this specification above-described embodiment, lease trade company by it is registered in advance be Mian Ya trade companies, so that it may with to user
The mode for exempting to give as security lease service is provided, can be executed to avoid lessor family on cumbersome line and dock flow.In addition, tenant is logical
The mode of merchant information of lease trade company can be obtained by crossing material under AI technologies or OCR technique identification line, can save rent
It rents the cost of manufacture of trade company.Finally, the rent method provided by this specification embodiment can ensure the smooth of Rental Procedure
It carries out.
Fig. 5 is the rent method information exchange figure that this specification another embodiment provides.As shown in figure 5, this method can
To include:
Step 510, the first user end to server sends registration request.
The first client herein can refer to client used in lease trade company.Specifically, lease trade company can lead to
The list for crossing the offer of the first client fills in corresponding merchant information (e.g., title and account etc.).In lease, completion is filled in by trade company
Corresponding merchant information, and when clicking for indicating button (e.g., submitting button) that information solicitation is completed, the first client can be with
Registration request is sent to server.
The registration request may include leasing the merchant informations such as title and the account of trade company.
Step 520, server carries out identity verification to lease trade company.
Step 530, when to the identity verification success of lease trade company, the credit to leasing trade company is assessed.
Step 540, after passing through to the credit evaluation for leasing trade company, the title and account of record lease trade company.
Step 550, the character information on the second client identification material.
The second client herein can refer to client used in tenant.
Step 560, the second user end to server sends lease request.
Lease request may include the merchant information for leasing trade company, the charging regulation and tenant of Lease object
Identification information (e.g., uerid).
Step 570, server searches corresponding lease trade company according to the merchant information of lease trade company.
Step 580, if found, according to identification information, the credit information of tenant is obtained.
It is understood that if do not found, this Rental Procedure can be terminated.
Step 590, when credit information meets preset credit constraints, corresponding lease order is generated, and record
The generated time of the lease order.
It is understood that if being unsatisfactory for preset credit constraints, this Rental Procedure can be terminated.
Server can send the lease to the first client or the second client and order after generating lease order
It is single.
Step 5100, the lease ending request that the first client is sent for lease order is received, and records the lease knot
The receiving time of beam request.
Step 5110, according to generated time and receiving time, the lease duration of this lease is determined.
Step 5120, according to charging regulation and lease duration, the lease expenses of this lease is settled accounts.
In short, this specification embodiment passes through lessor under AI OCR identification lines based on AI either OCR technique
Family, flow on tie-in line, and be endorsement with user credit allow user in order to avoid the form Lease object given as security.After the completion of lease
The account that rent squeezes into lease trade company is collected on line.In addition, if generating damage due to tenant, then payment is needed to pay for
Indemnity.By such pattern, allows lease trade company under line that smaller cost can be spent to get through flow on line, tenant is given to provide
Exempt from the service of rental deposit vehicle, improves the wish for leasing trade company under tenant selection line.
Accordingly with above-mentioned rent method, a kind of leasing system that this specification one embodiment also provides, such as Fig. 6 institutes
Show, which includes:
Receiving unit 601, the lease request that the client for receiving tenant is sent.
The lease is asked:Lease the merchant information of trade company, the charging regulation and tenant of Lease object
Identification information.
Above-mentioned merchant information and charging regulation can be known by artificial intelligence technology or optical character by client
What the character information on other technology identification material obtained;Alternatively, above-mentioned merchant information and charging regulation are passed through by client
Shoot the character information on material and with graphic form transmission.
Acquiring unit 602, for according to identification information, obtaining the credit information of tenant.
Above-mentioned merchant information may include the title and/or account for leasing trade company.
Acquiring unit 602 specifically can be used for:
According to the title and/or account of lease trade company, lease trade company is searched.
When finding lease trade company, according to identification information, the credit information of tenant is obtained.
Generation unit 603, when the credit information for being obtained when acquiring unit 602 meets preset credit constraints,
Corresponding lease order is generated, and records the generated time of lease order.
Receiving unit 601 is additionally operable to receive the lease ending request that the client of lease trade company is sent for lease order,
And record the receiving time of lease ending request.
Determination unit 604, the lease duration for according to generated time and receiving time, determining this lease.
Clearing unit 605, the lease duration for being determined according to charging regulation and determination unit 604, to this lease
Lease expenses settled accounts.
Optionally, which can also include:Verify unit 606, assessment unit 607 and recording unit 608.
Receiving unit 601 is additionally operable to receive the registration request that the client of lease trade company is sent.The registration request can wrap
Include the title and account of lease trade company.
Unit 606 is verified, for carrying out identity verification to lease trade company.
Assessment unit 607 is used for when verifying unit 606 to the identity verification success of lease trade company, to leasing the letter of trade company
With being assessed.
Recording unit 608, for after assessment unit 607 passes through the credit evaluation for leasing trade company, record to lease trade company
Title and account.
The function of each function module of this specification above-described embodiment device can pass through each step of above method embodiment
Rapid to realize, therefore, the specific work process for the device that this specification one embodiment provides does not repeat again herein.
The leasing system that this specification one embodiment provides, the client that receiving unit 601 receives tenant are sent
Lease request.Acquiring unit 602 obtains the credit information of tenant according to identification information.It is obtained when acquiring unit 602
When credit information meets preset credit constraints, generation unit 603 generates corresponding lease order, and records lease order
Generated time.Receiving unit 601 receives the lease ending request that the client of lease trade company is sent for lease order, and remembers
The receiving time of record lease ending request.Determination unit 604 determines the rent of this lease according to generated time and receiving time
It rents duration.The lease duration that clearing unit 605 is determined according to charging regulation and determination unit 604, the lease to this lease
Expense is settled accounts.Thus, it is possible to save the cost of lease trade company.
It should be noted that leasing system provided in this embodiment can be a module or list for server in Fig. 1
Member.
Those skilled in the art are it will be appreciated that in said one or multiple examples, described in this specification
Function can be realized with hardware, software, firmware or their arbitrary combination.It when implemented in software, can be by these work(
Can storage in computer-readable medium or as on computer-readable medium one or more instructions or code passed
It is defeated.
Above-described specific implementation mode has carried out into one purpose, technical solution and advantageous effect of this specification
Step is described in detail, it should be understood that the foregoing is merely the specific implementation mode of this specification, is not used to limit this
The protection domain of specification, all any modifications on the basis of the technical solution of this specification, made, change equivalent replacement
Into etc., it should all be included within the protection domain of this specification.