CN110503510A

CN110503510A - Fiduciary rent object interaction processing method, device and system

Info

Publication number: CN110503510A
Application number: CN201910642793.XA
Authority: CN
Inventors: 张琦
Original assignee: Alibaba Group Holding 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: 2019-11-26
Anticipated expiration: 2039-07-16
Also published as: CN110503510B

Abstract

The application provides fiduciary rent object interaction processing method, device and system, wherein the fiduciary object interaction processing method of renting includes: taxi application and the state voucher for receiving the article to be rented that lessor submits；Credit evaluation is carried out to the rent object space based on first credit sign for hiring out the rent object space that application includes, determines that the credit for renting object space exempts from cash pledge volume according to credit evaluation result；The rental agreement of article to be rented is created according to the cash pledge amount of money that the state voucher, the credit exempt from cash pledge volume and the article to be rented；The corresponding credit event of the rental agreement is recorded in the corresponding credit accounts of the second credit sign of first credit sign and the lessor.The fiduciary rent object interaction processing method simplifies and rents object interaction process process, while surrounding electronic rental contract and credit to constrain lessor and rent object space in the behavior rented in object interactive process, thus effectively maintenance lessor and the equity for renting object space.

Description

Fiduciary rent object interaction processing method, device and system

Technical field

This application involves technical field of data processing, in particular to a kind of fiduciary rent object interaction processing method.This Application is related to a kind of fiduciary rent object interaction process device simultaneously, the fiduciary rent object interaction processing method of another kind with And device, a kind of fiduciary rent object interaction process system, two kinds of calculating equipment and two kinds of computer-readable storage mediums Matter.

Background technique

With the development for renting object field scape, article rental services become a kind of new consumption pattern gradually, rent on current line It rents mainly based on B2C (Business To Customer) mode, is issued rented goods online as lease side by businessman On lease platform, user browses rented goods by lease platform on line, places an order after selected rented goods, businessman will The rented goods of user's selection are sent, and user returns rented goods before lease expires and payment or rent, completion were leased Journey.But current lease platform can only be carried out rented goods publication by businessman, and user can not externally issue needs in lease platform The rented goods externally leased have the defects that certain.

Summary of the invention

In view of this, the embodiment of the present application provides a kind of fiduciary rent object interaction processing method, it is existing to solve Technological deficiency present in technology.The embodiment of the present application provides a kind of fiduciary rent object interaction process device simultaneously, separately The fiduciary rent object interaction processing method of one kind and device, a kind of fiduciary rent object interaction process system, two kinds of meters Calculate equipment and two kinds of computer readable storage mediums.

The application provides a kind of fiduciary rent object interaction processing method, comprising:

Receive taxi application and the state voucher of the article to be rented that lessor submits；

Credit evaluation, root are carried out to the rent object space based on first credit sign for hiring out the rent object space that application includes It is believed that determining that the credit for renting object space exempts from cash pledge volume with assessment result；

Article to be rented is created according to the cash pledge amount of money that the state voucher, the credit exempt from cash pledge volume and the article to be rented Rental agreement；

The rent is recorded in the corresponding credit accounts of the second credit sign of first credit sign and the lessor The corresponding credit event of contract of renting.

Optionally, described that the rent object space is carried out based on first credit sign for hiring out the rent object space that application includes Credit evaluation, after determining that the credit for renting object space exempts from the execution of cash pledge volume step according to credit evaluation result, and the basis The cash pledge amount of money that the state voucher, the credit exempt from cash pledge volume and the article to be rented creates the rental agreement step of article to be rented Before rapid execution, comprising:

The cash pledge amount of money for the article to be rented that the lessor submits is obtained, and receives the rent object space for the signature The confirmation of the amount of money instructs；

Judge that the credit exempts from whether cash pledge volume is more than or equal to the cash pledge amount of money；

If so, executing the cash pledge gold for exempting from cash pledge volume and the article to be rented according to the state voucher, the credit Volume creates the rental agreement step of article to be rented.

Optionally, if described judge that the credit exempts from whether cash pledge volume is more than or equal to sentencing for the cash pledge amount of money step Disconnected result be it is no, perform the following operations:

It calculates the cash pledge amount of money and the credit exempts from the difference of cash pledge volume, pay arrears gold as the cash pledge for renting object space Volume；

The amount of money, which is paid arrears, according to the cash pledge carries out cash pledge payment for the article to be rented.

Optionally, described that the rent object space is carried out based on first credit sign for hiring out the rent object space that application includes Credit evaluation, comprising:

Read the credit portrait of the corresponding credit accounts record of first credit sign；

The credit rating for renting object space is calculated based on credit portrait, as the credit evaluation result；

Wherein, the credit portrait includes at least one of following:

Credit score, risk class, negative records, credit rating.

Optionally, the corresponding credit accounts of the second credit sign in first credit sign and the lessor It records after the corresponding credit event step of the rental agreement executes, comprising:

Give back request and the lessor for receiving the article to be rented that the rent object space is submitted give back for described What request was submitted gives back confirmation instruction；

Based on the taxi duration of the rent calculating benchmark and the article to be rented that are recorded in the rental agreement, described in calculating The rent of article to be rented；

If detecting, the rent object space pays the rent to the lessor, judges the article to be rented with the presence or absence of signature Gold pays arrears the amount of money；

If it exists, sent to the rent object space return that the cash pledge pays arrears the amount of money return prompting；

If detecting described in the taxi direction, rent object space returns the cash pledge and pays arrears the amount of money, releases the lease conjunction About；

First credit sign and the corresponding credit accounts of second credit sign are promoted based on the credit event Credit rating.

Judge that the credit for renting object space exempts from whether cash pledge volume is more than or equal to credit access threshold value；

If so, judging the rent object space with the presence or absence of negative credit record and/or objection contract；

If it exists, the prompting message of access failure is sent to the rent object space；

If it does not exist, the signature for exempting from cash pledge volume and the article to be rented according to the state voucher, the credit is executed The amount of money creates the rental agreement step of article to be rented.

The objection request that the lessor submits is received, and obtains the first objection voucher that the lessor submits；

By analyzing the state voucher and the first objection voucher, the promise breaking of the rental agreement is determined Side, and release the rental agreement；

Judge whether the delinquent party is the rent object space；

If so, reducing the credit rating of the corresponding credit accounts of first credit sign based on the credit event.

The objection request that the rent object space is submitted is received, and obtains the second objection voucher that the rent object space is submitted；

By analyzing the state voucher and the second objection voucher, the promise breaking of the rental agreement is determined Side, and release the rental agreement；

Judge whether the delinquent party is the lessor；

If so, reducing the credit rating of the corresponding credit accounts of second credit sign based on the credit event.

The application also provides a kind of fiduciary rent object interaction process device, comprising:

Hire out application receiving module, be configured as receive lessor submit article to be rented taxi application and state with Card；

Credit evaluation module is configured as based on first credit sign for hiring out the rent object space that application includes to described It rents object space and carries out credit evaluation, determine that the credit for renting object space exempts from cash pledge volume according to credit evaluation result；

Rental agreement creation module is configured as exempting from according to the state voucher, the credit cash pledge volume and described wait rent The cash pledge amount of money of article creates the rental agreement of article to be rented；

Credit event logging modle is configured as the second credit sign in first credit sign and the lessor Corresponding credit accounts record the corresponding credit event of the rental agreement.

The application also provides second of fiduciary rent object interaction processing method, comprising:

The video identification code that object space provides is rented in scanning, and determine the rent object space by parsing described image identification code the One credit sign；

The object to be rented is generated according to first credit sign and the second credit sign of the affiliated lessor of article to be rented The taxi application of product；

The taxi application submitted to credit mortgage platform, and it is described wait rent to credit mortgage platform upload The state voucher of article.

Optionally, the taxi application submitted to credit mortgage platform, and platform is mortgaged to the credit After the state voucher step execution for uploading the article to be rented, comprising:

The cash pledge amount of money of the article to be rented is submitted to credit mortgage platform.

For the request of giving back of article to be rented described in the rent object space submission, the mortgage platform submission of Xiang Suoshu credit is given back Confirmation instruction；

Receive that the cash pledge that credit mortgage platform is sent pays arrears the amount of money returns prompting；

The amount of money is paid arrears based on the cash pledge return the cash pledge to the rent object space pay arrears the amount of money.

Objection request is submitted to credit mortgage platform, and submits the first objection voucher to credit mortgage platform.

The application also provides second of fiduciary rent object interaction process device, comprising:

Credit sign determining module is configured as scanning and rents the video identification code that object space provides, and by parsing the figure As identification code determines first credit sign for renting object space；

Application generation module is hired out, the according to first credit sign and the affiliated lessor of article to be rented is configured as Two credit signs generate the taxi application of the article to be rented；

It hires out application and submits module, be configured as mortgaging the taxi application that platform is submitted to the credit, and to institute State the state voucher that credit mortgage platform uploads the article to be rented.

The application also provides a kind of fiduciary rent object interaction process system, comprising:

Lessor rents object space and credit mortgage platform；

Wherein, the lessor is specifically configured to scan the video identification code that the rent object space provides, and passes through parsing Described image identification code determine it is described rent object space the first credit sign, and, according to first credit sign and it is described go out Second credit sign of rent side generates the taxi application for the article to be rented submitted to credit mortgage platform, and to the credit Mortgage the state voucher that platform uploads the article to be rented；

The credit mortgages platform, be configured as receiving the taxi application that the lessor submits and the state with Card carries out credit evaluation to the rent object space based on first credit sign for applying including of hiring out, is commented according to credit Estimate result determine it is described rent object space credit exempt from cash pledge volume, according to the state voucher, the credit exempt from cash pledge volume and it is described to The cash pledge amount of money for renting article creates the rental agreement of article to be rented, in first credit sign and second credit sign pair The credit accounts answered record the corresponding credit event of the rental agreement.

The application also provides a kind of calculating equipment, comprising:

Memory and processor；

For the memory for storing computer executable instructions, the processor is executable for executing the computer Instruction:

The application also provides second of calculating equipment, comprising:

Memory and processor；

The application also provides a kind of computer readable storage medium, is stored with computer instruction, and the instruction is by processor The step of the first described fiduciary rent object interaction processing method is realized when execution.

The application also provides second of computer readable storage medium, is stored with computer instruction, and the instruction is processed The step of device realizes described second fiduciary rent object interaction processing method when executing.

Compared with prior art, the application has the advantages that

The application provides a kind of fiduciary rent object interaction processing method, comprising: receives the object to be rented that lessor submits The taxi application of product and state voucher；Based on first credit sign for hiring out the rent object space that application includes to the rent object space Credit evaluation is carried out, determines that the credit for renting object space exempts from cash pledge volume according to credit evaluation result；According to the state voucher, institute It states credit and exempts from the cash pledge amount of money of cash pledge volume and the article to be rented and create the rental agreement of article to be rented；In the first credit mark Know credit accounts corresponding with the second credit sign of the lessor and records the corresponding credit event of the rental agreement.

Fiduciary rent object interaction processing method provided by the present application, by by the lessor and described renting object space It rents object interaction to combine with credit, be given during the band rents the lease of article based on the credit evaluation for renting object space It is described to rent object space certain credit cash pledge amount, and based on both the lessor and the rent object space rented in object interactive process The content creating rental agreement of agreement simplifies and rents object interaction process process, while surrounding the rental agreement and credit to constrain The lessor and the object space of renting are in the behavior rented in object interactive process, thus the power of effectively maintenance lessor and rent object space Benefit.

Detailed description of the invention

Fig. 1 is the fiduciary process flow diagram for renting object interaction processing method of one kind provided by the embodiments of the present application；

Fig. 2 is the fiduciary schematic diagram for renting object interaction process device of one kind provided by the embodiments of the present application；

Fig. 3 is the second provided by the embodiments of the present application fiduciary process flow diagram for renting object interaction processing method；

Fig. 4 is the second provided by the embodiments of the present application fiduciary schematic diagram for renting object interaction process device；

Fig. 5 is the fiduciary structural block diagram for renting object interaction process system of one kind provided by the embodiments of the present application；

Fig. 6 is a kind of structural block diagram for calculating equipment provided by the embodiments of the present application；

Fig. 7 is the structural block diagram of second of calculating equipment provided by the embodiments of the present application.

Specific embodiment

Many details are explained in the following description in order to fully understand the application.But the application can be with Much it is different from other way described herein to implement, those skilled in the art can be without prejudice to the application intension the case where Under do similar popularization, therefore the application is not limited by following public specific implementation.

The term used in this specification one or more embodiment be only merely for for the purpose of describing particular embodiments, It is not intended to be limiting this specification one or more embodiment.In this specification one or more embodiment and appended claims The "an" of singular used in book, " described " and "the" are also intended to including most forms, unless context is clearly Indicate other meanings.It is also understood that term "and/or" used in this specification one or more embodiment refers to and includes One or more associated any or all of project listed may combine.

It will be appreciated that though may be retouched using term first, second etc. in this specification one or more embodiment Various information are stated, but these information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other It opens.For example, first can also be referred to as second, class in the case where not departing from this specification one or more scope of embodiments As, second can also be referred to as first.Depending on context, word as used in this " if " can be construed to " ... when " or " when ... " or " in response to determination ".

The application provides a kind of fiduciary rent object interaction processing method, and the application also provides a kind of fiduciary rent Object interaction process device, another fiduciary rent object interaction processing method and device, a kind of fiduciary rent object friendship Mutual processing system, two kinds of calculating equipment and two kinds of computer readable storage mediums.Below in conjunction with reality provided by the present application The attached drawing for applying example is described in detail one by one, and is illustrated to each step of method.

The fiduciary rent object interaction processing method embodiment of one kind provided by the present application is as follows:

Referring to attached drawing 1, it illustrates the fiduciary processing for renting object interaction processing method of one kind provided in this embodiment Flow chart.

Step S102 receives taxi application and the state voucher of the article to be rented that lessor submits.

Fiduciary rent object interaction processing method provided by the present application passes through the interaction of rent object and credit by " face-to-face " Combine, the content creating electronics based on both lessors and rent object space rented in object (article leasehold) interactive process agreement is rented It rents contract, simplifies and rent object interaction process process, surround electronic rental contract, subtracted by way of credit evaluation to carry out cash pledge Exempt from, and lessor is constrained based on electronic rental contract and credit and rents behavior of object space during renting object, thus effectively It safeguards lessor and rents the equity of object space.

Lessor described in the embodiment of the present application can be the owner or owner of the article to be rented, can also be tool There is the lease holder of the article leasehold permission to be rented.The state voucher of the article to be rented refers to for proving the object to be rented The information of product state before lease is externally being leased for example, it is electronic product that lessor, which wants the article to be rented externally leased, Before, state of the electronic product before lease is determined by way of taking pictures to electronic product, after taking pictures State voucher of the photo of acquisition as electronic product before lease.

Fiduciary rent object interaction processing method provided by the embodiments of the present application, executing subject are that credit mortgages platform, It mortgages platform by credit to cooperate with the lessor and the rent object space, the common lease for completing the article to be rented is handed over Mutual process.

In practical application, the lessor and the rent object space rent in object interactive process for the article to be rented Interaction be " face-to-face ", without by the credit mortgage platform intermediary come carry out rent object interaction, particularly for described For lessor, the rent object space is waited to lease it is not necessary that the article to be rented is published to the credit mortgage platform, it is right For the rent object space, tenantable article to be rented is browsed without platform is mortgaged by the credit, the credit is supported Giving as security platform is for generating rental agreement and carrying out the platform of credit mortgage, and core is by rental agreement and credit mortgage pair The lessor and the rent object space constrain, rather than the lessor issues the platform of the article to be rented nor described Rent the platform that object space browses the article to be rented.

In the embodiment of the present application, have learned that the lessor wants the object to be rented hired out under the rent object space is online Product, the lessor have also learnt that the rent object space is wanted to lease the article to be rented, in this case, the lessor and The rent object space is triggered by way of barcode scanning rents object interaction, provides specifically, scanning the rent object space by the lessor Video identification code, and by parse described image identification code determine it is described rent object space the first credit sign, and, according to institute The second credit sign for stating the first credit sign and the lessor itself is generated to credit mortgage platform submission wait rent The taxi application of article, and the state voucher that platform uploads the article to be rented is mortgaged to the credit.

For example, classmate A under line in the scene of campus wants to hire out electronic product, by way of plastering posters under online pair Want taxi this message of electronic product to be publicized, classmate B is introduced in such a way that browsing plasters posters or through go-between Mode learn that classmate A wants to hire out after this message of electronic product, find the rent that can start " face-to-face " after classmate A Object interaction；

Before carrying out renting object interaction, classmate A and classmate B need to mortgage platform in credit and register, and the purpose of registration obtains The respective two dimensional code for carrying respective credit sign information of both sides is obtained, was specifically interacted in the rent object carried out for electronic product Cheng Zhong, classmate A are used as lessor to scan classmate B as the two dimensional code for renting object space offer first, obtain in scanning and rent the two of object space B After tieing up code image, the credit ID for renting object space B can be obtained after image in 2 D code is resolved；It is obtained in parsing and rents object space B's After credit ID, taxi application is generated in conjunction with the application ID of lessor A, and submit to hire out to credit mortgage platform and apply；Also, The voucher photo upload for being used to prove electronic product state before lease to credit is mortgaged into platform by lessor A.

When it is implemented, the lessor is submitting the taxi to apply and is uploading described to credit mortgage platform After the state voucher of article to be rented, one side of platform is mortgaged in the credit, receives the taxi Shen that the lessor submits Please.

Step S104 carries out letter to the rent object space based on first credit sign for hiring out the rent object space that application includes With assessment, determine that the credit for renting object space exempts from cash pledge volume according to credit evaluation result.

After the above-mentioned state voucher for receiving the taxi application and the article to be rented that the lessor submits, read First credit sign for hiring out the rent object space for including in application is taken, according to first credit evaluation to the rent object Fang Jinhang credit evaluation, and further determine that the credit for renting object space exempts from cash pledge volume according to credit evaluation result.

The credit exempts from cash pledge volume, refers to from the credit for renting object space, comments the credit for renting object space Estimate, gives the corresponding cash pledge amount of rent object space according to credit evaluation result, rent object space described in this part cash pledge amount is not necessarily to Carry out currency payment, it will be appreciated that for as security, therefore, the credit for renting object space is better, warp by the credit for renting object space It is also bigger that the credit obtained after credit evaluation exempts from cash pledge volume；Conversely, the credit for renting object space is poorer, after credit evaluation It is also smaller that the credit of acquisition exempts from cash pledge volume.

Specifically, making the credit for renting object space exempt to give as security to more comprehensively portray the credit situation of the lessor The amount of money is more accurate, in a kind of optional embodiment provided by the embodiments of the present application, in the following way to the rent object space into Row credit evaluation:

Wherein, the credit portrait includes at least one of following:

Credit score, risk class, negative records, credit rating.

In addition, after the above-mentioned determination credit for renting object space exempts from cash pledge volume, in order to promote the place for renting object interaction flow Efficiency is managed, meanwhile, also for the mortgage treatment mechanism in perfect rent object iterative process, one kind provided by the embodiments of the present application In optional embodiment, cash pledge volume is exempted to the credit in the following way and is detected:

1) the cash pledge amount of money for the article to be rented that the lessor submits is obtained, and receives the rent object space for described The confirmation of the cash pledge amount of money instructs；

Before this, the specified cash pledge amount of money need to be mentioned by the cash pledge amount of money of the specified article to be rented of the lessor It hands over to the credit and mortgages platform；Or the cash pledge amount of money has been conferred down by the lessor and the rent object space online, by institute It states lessor and the concerted cash pledge amount of money is committed to the credit mortgage platform；

2) judge that the credit exempts from whether cash pledge volume is more than or equal to the cash pledge amount of money；

If so, showing that the credit to the lessor has been able to meet the article mortgage to be rented, go out without described in Renting policy, the currency of payment is mortgaged again to the article to be rented, and is executed following step S106 and is carried out subsequent processing；

If it is not, then show that the credit to the lessor can no longer meet article the to be rented mortgage, also need it is described go out Renting policy, the currency of payment is mortgaged again to the article to be rented, and executes following step 3)；

3) it calculates the cash pledge amount of money and the credit exempts from the difference of cash pledge volume, pay arrears gold as the cash pledge for renting object space Volume；

4) amount of money is paid arrears according to the cash pledge carry out cash pledge payment for the article to be rented.

For example, lessor A applies and after uploading the voucher photo of electronic product submitting to hire out to credit mortgage platform, Credit evaluation is carried out to object space B according to credit score, risk class, negative records and the credit rating for renting object space B first, from And it assesses taxi object space B and exempts from cash pledge volume in the credit rented in object activity；

Hereafter, lessor A and rent object space B negotiate down the cash pledge amount of money of electronic product online, and will be consulted by lessor A The cash pledge amount of money be uploaded to credit mortgage platform, lessor A upload the cash pledge amount of money after, rent object space B need to lessor A upload The cash pledge amount of money confirmed, confirm the cash pledge amount of money after, further judge rent object space B credit exempt from whether cash pledge volume can expire The requirement of the current lease required by electronic product cash pledge amount of money of foot,

If can satisfy, show that renting object space B no longer needs to carry out cash pledge payment for electronic product, carries out subsequent processing ；

If be not able to satisfy, show that the credit for renting object space B exempts from the signature that cash pledge volume is less than current lease required by electronic product The amount of money, therefore, renting object space B also needs to carry out cash pledge payment for electronic product.

In practical applications, in order to further ensure the equity of the lessor, the rent object lease of the lessor is reduced It is lost caused by rent object space to high risk, it, can also be to the rent object space after carrying out credit evaluation to the rent object space The detection of credit access is carried out, is specifically realized in the following way:

If it does not exist, then show that the rent object space is detected by credit access, following step S106 is executed, according to the shape The cash pledge amount of money that state voucher, the credit exempt from cash pledge volume and the article to be rented creates the rental agreement of article to be rented.

It is similar therewith, the detection of credit access can also be carried out to the lessor, thus to ensure the power for renting object space Benefit, for example, drawn a portrait according to the credit of corresponding second credit sign of the lessor corresponding credit accounts record, to it is described go out Rent side carries out credit evaluation, and judges whether the credit rating obtained after lessor's progress credit evaluation meets credit and comment Grade access threshold value, if it is satisfied, then further judge that the lessor whether there is negative credit record and/or objection contract, If it is present sending the prompting message of access failure to the lessor；If it does not exist, then showing that the lessor passes through The detection of credit access, executes following step S106, exempts from cash pledge volume and the article to be rented according to the state voucher, the credit The cash pledge amount of money create the rental agreement of article to be rented.

Step S106 is created according to the cash pledge amount of money that the state voucher, the credit exempt from cash pledge volume and the article to be rented Build the rental agreement of article to be rented.

Exempt from cash pledge volume according to the credit of the rent object space of above-mentioned determination, the article to be rented that the lessor submits State voucher and the cash pledge amount of money create the rental agreement of the article to be rented.

Specifically, record has the rent of the article to be rented, rental period, default clause and described in the rental agreement Cash pledge amount of money of article to be rented etc..

Step S108, in the corresponding credit accounts note of the second credit sign of first credit sign and the lessor Record the corresponding credit event of the rental agreement.

When it is implemented, recording the rental agreement pair in the corresponding credit accounts of the first credit sign for renting object space The credit event answered, and the rental agreement correspondence is recorded in the corresponding credit accounts of the second credit sign of the lessor Credit event, it is therefore an objective to the lessor and the rent object space are constrained by credit during the article leasehold to be rented Behavior.

In practical application, after carrying out lease interaction, eventually possible result is for the lessor and the rent object space The lessor and the rent object space smoothly complete honour an agreement, the lessor promise breaking or the rents object space break a contract, for this three Kind there may be the case where, leave for constraining the lessor and the behavior for renting object space from credit, to effectively safeguard The lessor and the equity for renting object space, the embodiment of the present application provides following three kinds of optional embodiments, respectively to described Lessor and the rent object space smoothly complete honour an agreement, the lessor promise breaking and the rents object space break a contract these three situations progress needle Processing to property:

1) lessor and the rent object space are smoothly completed and are honoured an agreement；

Want to give back electronic product to lessor A after lease expires for example, renting object space B, it is flat by being mortgaged to credit Request is given back in platform submission, and electronic product is returned to lessor A, the rear Xiang Xinyong that lessor A gives back in confirmation electronic product Confirmation instruction is given back in mortgage platform submission；

Hereafter, it according to the lease duration of the value of leass and electronic product recorded in the rental agreement of electronic product, calculates The rent that object space B lease electronic product needs to pay is hired out, after renting object space B and having paid rent,

According to the cash pledge situation recorded in the rental agreement of electronic product, signature is paid to lessor A if renting object space B Gold then issues the prompting of return of down payment to lessor A, if renting object space B not to lessor's A branch deposit, directly releases The rental agreement of electronic product；

Also, after the rental agreement for releasing electronic product, successfully honoured an agreement this thing according to the rent object space B of lessor A Part promotes the credit rating of the rent object space B of lessor A.

2) the rent object space promise breaking；

In the case where rent object space promise breaking, objection request is submitted by taxi direction credit mortgage platform, and mention It hands over relevant objection voucher, for example rents under object space do not give back electronic product or the impaired situation of electronic product given back, by It hires out direction credit mortgage platform and submits and do not give back the proof or the impaired voucher photo of electronic product of electronic product, and Credit is carried out on the basis of the impaired voucher photo of the proof for not giving back electronic product or electronic product submitted disciplines place as a warning Reason.It is described to rent being implemented as follows under object space violation of agreement:

Judge whether the delinquent party is the rent object space；

3) lessor's promise breaking.

In the case where lessor promise breaking, objection request is submitted from the rent object space to credit mortgage platform, and mention Hand over relevant objection voucher, for example lessor is not moved back from rent object space to credit mortgage platform submission not in the case where return of down payment The also proof of cash pledge, and carry out credit on the basis of the proof of the not return of down payment of submission and discipline processing as a warning.The lessor disobeys Being implemented as follows in the case of about:

Judge whether the delinquent party is the lessor；

The fiduciary rent object interaction process Installation practice of one kind provided by the present application is as follows:

In the above-described embodiment, a kind of fiduciary rent object interaction processing method is provided, it is corresponding, this Application additionally provides a kind of fiduciary rent object interaction process device, is illustrated with reference to the accompanying drawing.

Referring to attached drawing 2, it illustrates the fiduciary rent object interaction process Installation practices of one kind provided by the present application Schematic diagram.

Since Installation practice is substantially similar to embodiment of the method, so describing fairly simple, relevant part please join The corresponding explanation of the embodiment of the method for above-mentioned offer is provided.Installation practice described below is only schematical.

The application provides a kind of fiduciary rent object interaction process device, comprising:

Application receiving module 202 is hired out, is configured as receiving the taxi application and state of the article to be rented that lessor submits Voucher；

Credit evaluation module 204 is configured as based on first credit sign pair for hiring out the rent object space that application includes The rent object space carries out credit evaluation, determines that the credit for renting object space exempts from cash pledge volume according to credit evaluation result；

Rental agreement creation module 206, be configured as being exempted from according to the state voucher, the credit cash pledge volume and it is described to The cash pledge amount of money for renting article creates the rental agreement of article to be rented；

Credit event logging modle 208 is configured as the second credit in first credit sign and the lessor It identifies corresponding credit accounts and records the corresponding credit event of the rental agreement.

Optionally, the fiduciary rent object interaction process device, further includes:

The cash pledge amount of money obtains module, is configured as obtaining the cash pledge amount of money for the article to be rented that the lessor submits, And it receives the rent object space and is instructed for the confirmation of the cash pledge amount of money；

Credit exempts from cash pledge volume judgment module, be configured as judging the credit exempt from cash pledge volume whether be more than or equal to it is described The cash pledge amount of money；

If so, running the rental agreement creation module 206.

Optionally, if the credit exempt from cash pledge volume judgment module judging result be it is no, operation cash pledge pay arrears the amount of money calculating Module and cash pledge payment module；

The cash pledge pays arrears amount of money computing module, is configured as calculating the cash pledge amount of money and the credit exempts from cash pledge volume Difference pays arrears the amount of money as the cash pledge for renting object space；

The cash pledge payment module is configured as paying arrears the amount of money according to the cash pledge for the article progress cash pledge to be rented Payment.

Optionally, credit evaluation module 204, comprising:

Credit portrait reading submodule is configured as reading the letter of the corresponding credit accounts record of first credit sign With portrait；

Credit rating computational submodule, being configured as drawing a portrait based on the credit calculates the credit rating for renting object space, As the credit evaluation result；

Wherein, the credit portrait includes at least one of following:

Credit score, risk class, negative records, credit rating.

Processing module is given back, is configured as receiving the request of giving back of the article to be rented of the rent object space submission, and The lessor requests giving back for submission to confirm instruction for described give back；

Rent computing module is configured as based on the rent calculating benchmark and the object to be rented recorded in the rental agreement The taxi duration of product calculates the rent of the article to be rented；

Cash pledge pays arrears amount of money judgment module, if being configured as detecting that the rent object space pays the rent to the lessor Gold judges that the article to be rented pays arrears the amount of money with the presence or absence of cash pledge；If it exists, the cash pledge is returned to rent object space transmission to mend That pays the amount of money returns prompting；

Rental agreement releases module, if being configured as detecting, rent object space described in the taxi direction returns the cash pledge benefit The amount of money is paid, then releases the rental agreement；

Credit rating hoisting module is configured as being promoted first credit sign and described the based on the credit event The credit rating of the corresponding credit accounts of two credit signs.

Credit exempts from cash pledge volume detection module, be configured as judging the credit for renting object space exempt from cash pledge volume whether be greater than or Equal to credit access threshold value；

If so, operation detection module；The detection module is configured as judging the rent object space with the presence or absence of negative credit Record and/or objection contract；If it exists, the prompting message of access failure is sent to the rent object space；If it does not exist, described in operation Credit evaluation module 204.

First objection processing module is configured as receiving the objection request that the lessor submits, and obtains the taxi The the first objection voucher just submitted；

First objection analysis module is configured as by dividing the state voucher and the first objection voucher Analysis, determines the delinquent party of the rental agreement, and release the rental agreement；

First delinquent party's judgment module is configured as judging whether the delinquent party is the rent object space；If so, based on institute Stating credit event reduces the credit rating of the corresponding credit accounts of first credit sign.

Second objection processing module is configured as receiving the objection request that the rent object space is submitted, and obtains the rent object The the second objection voucher just submitted；

Second objection analysis module is configured as by dividing the state voucher and the second objection voucher Analysis, determines the delinquent party of the rental agreement, and release the rental agreement；

Second delinquent party's judgment module is configured as judging whether the delinquent party is the lessor；If so, based on institute Stating credit event reduces the credit rating of the corresponding credit accounts of second credit sign.

Second of fiduciary rent object interaction processing method embodiment provided by the present application is as follows:

In the above-described embodiment, a kind of fiduciary rent object interaction processing method is provided, it is with matching, this Application additionally provides a kind of fiduciary rent object interaction processing method, is illustrated with reference to the accompanying drawing.Due to the present embodiment It cooperates with above method embodiment, so describing fairly simple, the method that relevant part refers to above-mentioned offer is real Apply the corresponding explanation of example.Embodiment described below is only schematical.

Referring to attached drawing 3, it illustrates the second provided by the present application fiduciary processing for renting object interaction processing method Flow chart.

The fiduciary rent object interaction processing method, comprising:

Step S302, scanning rent object space provide video identification code, and by parsing described image identification code determine described in Rent the first credit sign of object space.

Fiduciary rent object interaction processing method provided by the embodiments of the present application, executing subject is lessor, above-mentioned to mention The fiduciary rent object interaction processing method supplied, executing subject are that credit mortgages platform, by the mutual cooperation of the two, jointly Complete the lease interactive process of the article to be rented.

Step S304 generates institute according to first credit sign and the second credit sign of the affiliated lessor of article to be rented State the taxi application of article to be rented.

Step S306, Xiang Suoshu credit mortgages the taxi application that platform is submitted, and on credit mortgage platform Pass the state voucher of the article to be rented.

The state voucher of the article to be rented refers to the information for proving article to be rented state before lease, For example, it is electronic product that lessor, which wants the article to be rented externally leased, before external lease, by carrying out to electronic product The mode taken pictures determines state of the electronic product before lease, and the photo obtained after taking pictures exists as electronic product State voucher before lease.

Optionally, the taxi application that Xiang Suoshu credit mortgage platform is submitted, and uploaded to credit mortgage platform After the state voucher of the article to be rented, comprising:

In practical application, after carrying out lease interaction, eventually possible result is for the lessor and the rent object space The lessor and the rent object space smoothly complete honour an agreement, the lessor promise breaking or the rents object space break a contract, for this three Kind there may be the case where, leave for constraining the lessor and the behavior for renting object space from credit, to effectively safeguard The lessor and the equity for renting object space.

Specifically, smoothly completing the case where honouring an agreement for the lessor and the rent object space, specifically in the following way It is handled:

In addition, objection request is submitted by the taxi direction credit mortgage platform in the case where rent object space promise breaking, And relevant objection voucher is submitted, for example rent the impaired situation of electronic product that object space is not given back electronic product or given back Under, submit the proof for not giving back electronic product or the impaired voucher of electronic product to shine by hiring out direction credit mortgage platform Piece, and credit is carried out on the basis of the proof for not giving back electronic product or electronic product of submission impaired voucher photo Discipline processing as a warning.It is described to rent being implemented as follows under object space violation of agreement:

Second of fiduciary rent object interaction process Installation practice provided by the present application is as follows:

In the above-described embodiment, second of fiduciary rent object interaction processing method is provided, it is corresponding, Present invention also provides second of fiduciary rent object interaction process devices, are illustrated with reference to the accompanying drawing.

Referring to attached drawing 4, it illustrates second provided by the present application fiduciary rent object interaction process Installation practices Schematic diagram.

The application provides second of fiduciary rent object interaction process device, comprising:

Credit sign determining module 402 is configured as scanning and rents the video identification code that object space provides, and by described in parsing Video identification code determines first credit sign for renting object space；

Application generation module 404 is hired out, is configured as according to first credit sign and the affiliated lessor of article to be rented The second credit sign generate the taxi application of the article to be rented；

It hires out application and submits module 406, be configured as mortgaging the taxi application that platform is submitted to the credit, and to The credit mortgage platform uploads the state voucher of the article to be rented.

The cash pledge amount of money submits module, is configured as mortgaging the cash pledge gold that platform submits the article to be rented to the credit Volume.

It gives back confirmation instruction and submits module, be configured as asking for the giving back for article to be rented that the rent object space is submitted It asks, confirmation instruction is given back in the mortgage platform submission of Xiang Suoshu credit；

Prompting receiving module is returned, the cash pledge for being configured as receiving the credit mortgage platform transmission pays arrears returning for the amount of money It reminds；

Cash pledge pays arrears the amount of money and returns module, is configured as paying arrears based on the cash pledge described in the amount of money returns to the rents object space Cash pledge pays arrears the amount of money.

Module is submitted in objection request, is configured as mortgaging platform to the credit and is submitted objection request, and to the credit It mortgages platform and submits the first objection voucher.

The fiduciary rent object interaction process system embodiment of one kind provided by the present application is as follows:

Referring to attached drawing 5, it illustrates second provided by the present application fiduciary rent object interaction process Installation practices Schematic diagram.

Since system embodiment is similar with embodiment of the method, so describing fairly simple, relevant part is referred to The corresponding explanation of the embodiment of the method for offer is provided.System embodiment described below is only schematical.

The application provides fiduciary rent object interaction process system, comprising:

Lessor 501 rents object space 502 and credit mortgage platform 503；

Wherein, the lessor 501 is specifically configured to scan the video identification code that the rent object space 502 provides, and leads to It crosses parsing described image identification code and determines first credit sign for renting object space 502, and, according to first credit sign The taxi Shen for the article to be rented submitted to credit mortgage platform 503 is generated with the second credit sign of the lessor 501 Please, and to credit mortgage platform 503 the state voucher of the article to be rented is uploaded；

The credit mortgages platform 503, is configured as receiving the taxi application that the lessor 501 submits and described State voucher carries out credit evaluation, root to the rent object space 502 based on first credit sign for applying including of hiring out It is believed that determining that the credit for renting object space 502 exempts from cash pledge volume with assessment result, cash pledge is exempted from according to the state voucher, the credit The cash pledge amount of money of volume and the article to be rented creates the rental agreement of article to be rented, in first credit sign and described second The corresponding credit accounts of credit sign record the corresponding credit event of the rental agreement.

Optionally, the first credit sign of the rent object space 502 for including based on the taxi application is to the rent object space 502 carry out credit evaluation, after determining that the credit for renting object space 502 exempts from the execution of cash pledge volume according to credit evaluation result, and institute State the lease that article to be rented is created according to the cash pledge amount of money that the state voucher, the credit exempt from cash pledge volume and the article to be rented Before contract executes, comprising:

The cash pledge amount of money for the article to be rented that the lessor 501 submits is obtained, and receives the rent object space 502 and is directed to The confirmation of the cash pledge amount of money instructs；

If so, executing the cash pledge gold for exempting from cash pledge volume and the article to be rented according to the state voucher, the credit Volume creates the rental agreement of article to be rented.

Optionally, if described judge that the credit exempts from whether cash pledge volume is more than or equal to after the cash pledge amount of money execution Judging result be it is no, perform the following operations:

It calculates the cash pledge amount of money and the credit exempts from the difference of cash pledge volume, paid arrears as the cash pledge for renting object space 502 The amount of money；

Optionally, the first credit sign of the rent object space 502 for including based on the taxi application is to the rent object space 502 carry out credit evaluation, comprising:

The credit rating for renting object space 502 is calculated based on credit portrait, as the credit evaluation result；

Wherein, the credit portrait includes at least one of following:

Credit score, risk class, negative records, credit rating.

Optionally, the corresponding credit of the second credit sign in first credit sign and the lessor 501 After the corresponding credit event of rental agreement described in Account History executes, comprising:

Receive the article to be rented that the rent object space 502 is submitted gives back request and the lessor 501 for institute The confirmation of giving back given back and request to submit is stated to instruct；

If detecting, the rent object space 502 pays the rent to the lessor 501, whether judges the article to be rented There are cash pledges to pay arrears the amount of money；

If it exists, sent to the rent object space 502 return that the cash pledge pays arrears the amount of money return prompting；

If detecting, the lessor 501 returns the cash pledge to the rent object space 502 and pays arrears the amount of money, releases the rent It rents contract；

Judge that the credit for renting object space 502 exempts from whether cash pledge volume is more than or equal to credit access threshold value；

If so, judging the rent object space 502 with the presence or absence of negative credit record and/or objection contract；

If it exists, the prompting message of access failure is sent to the rent object space 502；

If it does not exist, the signature for exempting from cash pledge volume and the article to be rented according to the state voucher, the credit is executed The amount of money creates the rental agreement of article to be rented.

Receive the objection request that the lessor 501 submits, and obtain the first objection that the lessor 501 submits with Card；

Judge whether the delinquent party is the rent object space 502；

Receive it is described rent object space 502 submit objection request, and obtain it is described rent object space 502 submit the second objection with Card；

Judge whether the delinquent party is the lessor 501；

Optionally, the taxi application submitted to credit mortgage platform 503, and it is flat to credit mortgage After the state voucher that platform 503 uploads the article to be rented executes, comprising:

The cash pledge amount of money of the article to be rented is submitted to credit mortgage platform 503.

For the request of giving back of article to be rented described in rent object space 502 submission, Xiang Suoshu credit mortgage platform 503 is mentioned Confirmation instruction is given back in friendship；

Receive that the cash pledge that credit mortgage platform 503 is sent pays arrears the amount of money returns prompting；

The amount of money is paid arrears based on the cash pledge return the cash pledge to the rent object space 502 pay arrears the amount of money.

Objection request is submitted to credit mortgage platform 503, and submits the first objection to credit mortgage platform 503 Voucher.

A kind of calculating apparatus embodiments provided by the present application are as follows:

Fig. 6 is to show the structural block diagram of the calculating equipment 600 according to one embodiment of this specification.The calculating equipment 600 Component include but is not limited to memory 610 and processor 620.Processor 620 is connected with memory 610 by bus 630, Database 650 is for saving data.

Calculating equipment 600 further includes access device 640, access device 640 enable calculate equipment 600 via one or Multiple networks 660 communicate.The example of these networks includes public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), the combination of the communication network of personal area network (PAN) or such as internet.Access device 640 may include wired or wireless One or more of any kind of network interface (for example, network interface card (NIC)), such as IEEE802.11 wireless local area Net (WLAN) wireless interface, worldwide interoperability for microwave accesses (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) connect Mouth, cellular network interface, blue tooth interface, near-field communication (NFC) interface, etc..

In one embodiment of this specification, other unshowned portions in the above-mentioned component and Fig. 6 of equipment 600 are calculated Part can also be connected to each other, such as pass through bus.It should be appreciated that calculating device structure block diagram shown in fig. 6 merely for the sake of Exemplary purpose, rather than the limitation to this specification range.Those skilled in the art can according to need, and increases or replaces it His component.

Calculating equipment 600 can be any kind of static or mobile computing device, including mobile computer or mobile meter Calculate equipment (for example, tablet computer, personal digital assistant, laptop computer, notebook computer, net book etc.), movement Phone (for example, smart phone), wearable calculating equipment (for example, smartwatch, intelligent glasses etc.) or other kinds of shifting Dynamic equipment, or the static calculating equipment of such as desktop computer or PC.Calculating equipment 600 can also be mobile or state type Server.

The application provides a kind of calculating equipment, including memory 610, processor 620 and storage are on a memory and can be The computer instruction run on processor, the processor 620 is for executing following computer executable instructions:

Optionally, described that the rent object space is carried out based on first credit sign for hiring out the rent object space that application includes Credit evaluation, after determining that the credit for renting object space exempts from cash pledge volume instruction execution according to credit evaluation result, and the basis The rental agreement that the cash pledge amount of money that the state voucher, the credit exempt from cash pledge volume and the article to be rented creates article to be rented refers to It enables before executing, the processor 620 is also used to execute following computer executable instructions:

If so, executing the cash pledge gold for exempting from cash pledge volume and the article to be rented according to the state voucher, the credit Volume creates the rental agreement instruction of article to be rented.

Optionally, if described judge that the credit exempts from whether cash pledge volume is more than or equal to sentencing for the cash pledge amount of money instruction Disconnected result be it is no, the processor 620 is also used to execute following computer executable instructions:

Wherein, the credit portrait includes at least one of following:

Credit score, risk class, negative records, credit rating.

Optionally, the corresponding credit accounts of the second credit sign in first credit sign and the lessor After recording the corresponding credit event instruction execution of the rental agreement, the processor 620 is also used to execute following computer Executable instruction:

If it does not exist, the signature for exempting from cash pledge volume and the article to be rented according to the state voucher, the credit is executed The amount of money creates the rental agreement instruction of article to be rented.

Judge whether the delinquent party is the rent object space；

Judge whether the delinquent party is the lessor；

Fig. 7 is to show the structural block diagram of the calculating equipment 700 according to one embodiment of this specification.The calculating equipment 700 Component include but is not limited to memory 710 and processor 720.Processor 720 is connected with memory 710 by bus 730, Database 750 is for saving data.

Calculating equipment 700 further includes access device 740, access device 740 enable calculate equipment 700 via one or Multiple networks 760 communicate.The example of these networks includes public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), the combination of the communication network of personal area network (PAN) or such as internet.Access device 740 may include wired or wireless One or more of any kind of network interface (for example, network interface card (NIC)), such as IEEE802.11 wireless local area Net (WLAN) wireless interface, worldwide interoperability for microwave accesses (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) connect Mouth, cellular network interface, blue tooth interface, near-field communication (NFC) interface, etc..

In one embodiment of this specification, other unshowned portions in the above-mentioned component and Fig. 7 of equipment 700 are calculated Part can also be connected to each other, such as pass through bus.It should be appreciated that calculating device structure block diagram shown in Fig. 7 merely for the sake of Exemplary purpose, rather than the limitation to this specification range.Those skilled in the art can according to need, and increases or replaces it His component.

Calculating equipment 700 can be any kind of static or mobile computing device, including mobile computer or mobile meter Calculate equipment (for example, tablet computer, personal digital assistant, laptop computer, notebook computer, net book etc.), movement Phone (for example, smart phone), wearable calculating equipment (for example, smartwatch, intelligent glasses etc.) or other kinds of shifting Dynamic equipment, or the static calculating equipment of such as desktop computer or PC.Calculating equipment 700 can also be mobile or state type Server.

The application provides a kind of calculating equipment, including memory 710, processor 720 and storage are on a memory and can be The computer instruction run on processor, the processor 720 is for executing following computer executable instructions:

Optionally, the taxi application submitted to credit mortgage platform, and platform is mortgaged to the credit After the state voucher instruction execution for uploading the article to be rented, the processor 720 is also used to execute following computer and can hold Row instruction:

A kind of computer readable storage medium embodiment provided by the present application is as follows:

The application provides a kind of computer readable storage medium, is stored with computer instruction, which is held by processor To be used for when row:

Wherein, the credit portrait includes at least one of following:

Credit score, risk class, negative records, credit rating.

Judge whether the delinquent party is the rent object space；

Judge whether the delinquent party is the lessor；

Second of computer readable storage medium embodiment provided by the present application is as follows:

The application provides second of computer readable storage medium, is stored with computer instruction, the instruction is by processor To be used for when execution:

A kind of exemplary scheme of above-mentioned computer readable storage medium for the present embodiment.It should be noted that this is deposited The technical solution of storage media and the technical solution of above-mentioned fiduciary rent object interaction processing method belong to same design, store The detail content that the technical solution of medium is not described in detail may refer to above-mentioned fiduciary rent object interaction processing method The description of technical solution.

The computer instruction includes computer program code, the computer program code can for source code form, Object identification code form, executable file or certain intermediate forms etc..The computer-readable medium may include: that can carry institute State any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, CD, the computer storage of computer program code Device, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), Electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer-readable medium include it is interior Increase and decrease appropriate can be carried out according to the requirement made laws in jurisdiction with patent practice by holding, such as in certain jurisdictions of courts Area does not include electric carrier signal and telecommunication signal according to legislation and patent practice, computer-readable medium.

It should be noted that for the various method embodiments described above, describing for simplicity, therefore, it is stated as a series of Combination of actions, but those skilled in the art should understand that, the application is not limited by the described action sequence because According to the application, certain steps can use other sequences or carry out simultaneously.Secondly, those skilled in the art should also know It knows, the embodiments described in the specification are all preferred embodiments, and related actions and modules might not all be this Shen It please be necessary.

In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment Point, it may refer to the associated description of other embodiments.

The application preferred embodiment disclosed above is only intended to help to illustrate the application.There is no detailed for alternative embodiment All details are described, are not limited the invention to the specific embodiments described.Obviously, according to the content of this specification, It can make many modifications and variations.These embodiments are chosen and specifically described to this specification, is in order to preferably explain the application Principle and practical application, so that skilled artisan be enable to better understand and utilize the application.The application is only It is limited by claims and its full scope and equivalent.

Claims

1. a kind of fiduciary rent object interaction processing method characterized by comprising

Credit evaluation is carried out to the rent object space based on first credit sign for hiring out the rent object space that application includes, according to letter Determine that the credit for renting object space exempts from cash pledge volume with assessment result；

The rent of article to be rented is created according to the cash pledge amount of money that the state voucher, the credit exempt from cash pledge volume and the article to be rented It rents contract；

The lease is recorded in the corresponding credit accounts of the second credit sign of first credit sign and the lessor to close About corresponding credit event.

2. fiduciary rent object interaction processing method according to claim 1, which is characterized in that described to go out based on described in The first credit sign for renting the rent object space that application includes carries out credit evaluation to the rent object space, is determined according to credit evaluation result The credit for renting object space is exempted from after cash pledge volume step executes, and described exempts from cash pledge volume according to the state voucher, the credit Before the rental agreement step for creating article to be rented with the cash pledge amount of money of the article to be rented executes, comprising:

The cash pledge amount of money for the article to be rented that the lessor submits is obtained, and receives the rent object space for the cash pledge gold The confirmation of volume instructs；

It is created if so, executing the cash pledge amount of money for exempting from cash pledge volume and the article to be rented according to the state voucher, the credit Build the rental agreement step of article to be rented.

3. fiduciary rent object interaction processing method according to claim 2, which is characterized in that if described in the judgement Credit exempt from cash pledge volume whether be more than or equal to the cash pledge amount of money step judging result be it is no, perform the following operations:

It calculates the cash pledge amount of money and the credit exempts from the difference of cash pledge volume, pay arrears the amount of money as the cash pledge for renting object space；

4. fiduciary rent object interaction processing method according to claim 1, which is characterized in that described to go out based on described in The first credit sign for renting the rent object space that application includes carries out credit evaluation to the rent object space, comprising:

Wherein, the credit portrait includes at least one of following: credit score, risk class, negative records, credit rating.

5. fiduciary rent object interaction processing method according to claim 3, which is characterized in that described described first The corresponding credit accounts of second credit sign of credit sign and the lessor record the corresponding credit thing of the rental agreement After part step executes, comprising:

Give back request and the lessor for receiving the article to be rented that the rent object space is submitted give back request for described That submits gives back confirmation instruction；

Based on the taxi duration of the rent calculating benchmark and the article to be rented that are recorded in the rental agreement, calculate described wait rent The rent of article；

If detecting, the rent object space pays the rent to the lessor, judges that the article to be rented is mended with the presence or absence of cash pledge Pay the amount of money；

If detecting described in the taxi direction, rent object space returns the cash pledge and pays arrears the amount of money, releases the rental agreement；

The letter of first credit sign and the corresponding credit accounts of second credit sign is promoted based on the credit event With grading.

6. fiduciary rent object interaction processing method according to claim 1, which is characterized in that described to go out based on described in The first credit sign for renting the rent object space that application includes carries out credit evaluation to the rent object space, is determined according to credit evaluation result The credit for renting object space is exempted from after cash pledge volume step executes, and described exempts from cash pledge volume according to the state voucher, the credit Before the rental agreement step for creating article to be rented with the cash pledge amount of money of the article to be rented executes, comprising:

If it does not exist, the cash pledge gold for exempting from cash pledge volume and the article to be rented according to the state voucher, the credit is executed Volume creates the rental agreement step of article to be rented.

7. fiduciary rent object interaction processing method according to claim 1, which is characterized in that described described first The corresponding credit accounts of second credit sign of credit sign and the lessor record the corresponding credit thing of the rental agreement After part step executes, comprising:

By analyzing the state voucher and the first objection voucher, the delinquent party of the rental agreement is determined, and Release the rental agreement；

Judge whether the delinquent party is the rent object space；

8. fiduciary rent object interaction processing method according to claim 1, which is characterized in that described described first The corresponding credit accounts of second credit sign of credit sign and the lessor record the corresponding credit thing of the rental agreement After part step executes, comprising:

By analyzing the state voucher and the second objection voucher, the delinquent party of the rental agreement is determined, and Release the rental agreement；

Judge whether the delinquent party is the lessor；

9. a kind of fiduciary rent object interaction process device characterized by comprising

Application receiving module is hired out, is configured as receiving taxi application and the state voucher of the article to be rented that lessor submits；

Credit evaluation module is configured as based on first credit sign for hiring out the rent object space that application includes to the rent object Fang Jinhang credit evaluation determines that the credit for renting object space exempts from cash pledge volume according to credit evaluation result；

Rental agreement creation module is configured as exempting from cash pledge volume and the article to be rented according to the state voucher, the credit The cash pledge amount of money create the rental agreement of article to be rented；

Credit event logging modle is configured as corresponding in first credit sign and the second credit sign of the lessor Credit accounts record the corresponding credit event of the rental agreement.

10. a kind of fiduciary rent object interaction processing method characterized by comprising

The video identification code that object space provides is rented in scanning, and determines first letter for renting object space by parsing described image identification code With mark；

The article to be rented is generated according to first credit sign and the second credit sign of the affiliated lessor of article to be rented Hire out application；

The taxi application submitted to credit mortgage platform, and the article to be rented is uploaded to credit mortgage platform State voucher.

11. fiduciary rent object interaction processing method according to claim 10, which is characterized in that described to the letter The taxi application submitted with mortgage platform, and the state voucher step that platform uploads the article to be rented is mortgaged to the credit After rapid execution, comprising:

12. fiduciary rent object interaction processing method according to claim 11, which is characterized in that described to the letter The taxi application submitted with mortgage platform, and the state voucher step that platform uploads the article to be rented is mortgaged to the credit After rapid execution, comprising:

For the request of giving back of article to be rented described in the rent object space submission, confirmation is given back in the mortgage platform submission of Xiang Suoshu credit Instruction；

13. fiduciary rent object interaction processing method according to claim 10, which is characterized in that described to the letter The taxi application submitted with mortgage platform, and the state voucher step that platform uploads the article to be rented is mortgaged to the credit After rapid execution, comprising:

14. a kind of fiduciary rent object interaction process device characterized by comprising

Credit sign determining module is configured as scanning and rents the video identification code that object space provides, and known by parsing described image Other code determines first credit sign for renting object space；

Application generation module is hired out, the second letter according to first credit sign and the affiliated lessor of article to be rented is configured as The taxi application of the article to be rented is generated with mark；

It hires out application and submits module, be configured as mortgaging the taxi application that platform is submitted to the credit, and to the letter The state voucher of the article to be rented is uploaded with mortgage platform.

15. a kind of fiduciary rent object interaction process system characterized by comprising

Lessor rents object space and credit mortgage platform；

Wherein, the lessor is specifically configured to scan the video identification code that the rent object space provides, and by described in parsing Video identification code determines first credit sign for renting object space, and, according to first credit sign and the lessor The second credit sign generate to the credit mortgage platform submit article to be rented taxi application, and to the credit mortgage Platform uploads the state voucher of the article to be rented；

The credit mortgages platform, is configured as receiving the taxi application and the state voucher that the lessor submits, Credit evaluation is carried out to the rent object space based on first credit sign for applying including of hiring out, according to credit evaluation knot Fruit determines that the credit for renting object space exempts from cash pledge volume, exempts from cash pledge volume and the object to be rented according to the state voucher, the credit The cash pledge amount of money of product creates the rental agreement of article to be rented, corresponding in first credit sign and second credit sign Credit accounts record the corresponding credit event of the rental agreement.

16. a kind of calculating equipment characterized by comprising

Memory and processor；

The memory is for storing computer executable instructions, and for executing, the computer is executable to be referred to the processor It enables:

17. a kind of calculating equipment characterized by comprising

Memory and processor；

18. a kind of computer readable storage medium, is stored with computer instruction, which is characterized in that the instruction is held by processor The step of fiduciary rent object interaction processing method described in claim 1 to 8 any one is realized when row.

19. a kind of computer readable storage medium, is stored with computer instruction, which is characterized in that the instruction is held by processor The step of fiduciary rent object interaction processing method described in claim 10 to 13 any one is realized when row.