CN115619508A - Credit-based deposit-free rental system and method - Google Patents
Credit-based deposit-free rental system and method Download PDFInfo
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Abstract
The application discloses a credit-based deposit-free leasing method, which comprises the following steps: establishing a distributed network and generating a preset protocol; accessing the deposit-free lease public platform into a distributed network, updating the lease targets to which the deposit-free lease public platform belongs, and releasing lease information; accessing a third-party supervision node into the distributed network, issuing an original supervision report to a leasing target of the deposit-free leasing public platform, and uploading the original supervision report to the distributed network; accessing the leasing node to a distributed network, acquiring leasing information from a deposit-free leasing platform, establishing a leasing transaction process according to a preset protocol and finishing execution; accessing the supervision node to the distributed network, checking the executed lease transaction process, and finishing the lease transaction process after the check is passed; when the leasing transaction process is finished, the third-party supervision node issues a return supervision report to the leasing target, return operation is carried out according to the original supervision report, the fact that the whole process is traceable is guaranteed, and financial disputes of the leasing market are greatly reduced.
Description
Technical Field
The application relates to the field of financial systems, in particular to a credit-based deposit-free rental system and a credit-based deposit-free rental method.
Background
As time progresses, deposit-free rental services become more and more popular, but with the increased confusion of the deposit-free rental market, the problems of the conventional deposit-free rental systems include: the information of the rental target is opaque, the renter rents without knowing the target object, the original target fault is calculated as the fault generated in the rental process due to the deception of the deposit-free rental company when returning, so that the money loss is caused, the transaction record is opaque in the process of fulfilling the rental agreement, and the transaction record is easy to be lost or forged
Disclosure of Invention
In order to solve the existing problems, the application provides a credit-based deposit-free leasing method, which comprises the following steps:
establishing a distributed network and generating a preset protocol; accessing the deposit-free lease public platform to a distributed network, updating the lease targets to which the deposit-free lease public platform belongs, and releasing lease information; accessing a third-party supervision node into the distributed network, issuing an original supervision report to a leasing target of the deposit-free leasing public platform, and uploading the original supervision report to the distributed network; accessing the leasing node to a distributed network, acquiring leasing information from a deposit-free leasing platform, establishing a leasing transaction process according to a preset protocol and finishing execution; accessing the supervision node to the distributed network, checking the executed lease transaction process, and finishing the lease transaction process after the check is passed; and when the lease transaction process is finished, issuing a return supervision report to the lease mark through a third party supervision node, and returning according to the original supervision report.
In some embodiments, accessing a third party supervisory node to the distributed network, issuing an original supervisory report for a rental target to which the deposit-free rental common platform belongs, and uploading the original supervisory report to the distributed network includes: accessing a third-party supervision node into a distributed network, supervising a leasing target of the deposit-free leasing public platform, and issuing an original supervision report of the leasing target before leasing; the original supervision report comprises: leasing target information, a monitoring date and a monitoring mechanism; the original supervision report is uploaded to a distributed network.
In some embodiments, accessing the lease node to the distributed network, obtaining lease information from the deposit-free lease platform, establishing a lease transaction process according to a preset protocol and completing execution, and obtaining a use right of a lease target includes: accessing the leasing node to a distributed network, and acquiring leasing information from a deposit-free leasing platform; determining a leasing target to be leased in response to a selection operation for selecting the leasing target from the leasing information; the method comprises the steps of obtaining an original supervision report of a leasing target, establishing a leasing transaction process through a preset protocol by combining a deposit-free leasing price, target verification related information, insurance and a leasing market, completing execution based on a deposit-free leasing public platform and a leasing node, uploading the executed leasing transaction process to a distributed network, and obtaining the use right of the leasing target.
In some embodiments, further comprising: and accessing the lease node into the distributed network, transferring the use right of the lease target in the lease transaction process to a lease user from the deposit-free lease public platform according to the executed lease transaction process, determining fund transfer information and uploading the fund transfer information to the distributed network.
In some embodiments, at the end of the lease transaction process, issuing a return supervision report for the lease token by a third party supervision node, the return operation being performed according to the original supervision report, including: when the leasing transaction process is finished, carrying out secondary supervision on the leasing target through a third-party supervision node, and issuing a returning supervision report of the leasing target before returning; comparing the returning supervision report with the original supervision report, and if the leasing target is not changed, returning according to the leasing transaction process; if the damage of the leasing target is generated, checking the loss generated by the damage according to a return supervision report, and determining an indemnity strategy; and after the rental user finishes the indemnity strategy, performing return operation according to the rental transaction process.
This application another aspect still discloses a exempt from deposit lease system based on credit, includes:
the distributed network module is used for establishing a distributed network and generating a preset protocol; the lease information release module is used for accessing the deposit-free lease public platform into a distributed network, updating the lease targets and releasing lease information; the monitoring module is used for accessing the third-party monitoring node into the distributed network, issuing an original monitoring report to the leasing target of the deposit-free leasing public platform and uploading the original monitoring report to the distributed network; the lease transaction process module is used for accessing the lease nodes into the distributed network, acquiring lease information from the deposit-free lease platform, establishing a lease transaction process according to a preset protocol and finishing execution; the lease transaction process auditing module is used for accessing the supervision node to the distributed network, auditing the executed lease transaction process, and finishing the lease transaction process after the auditing is passed; and the return operation module is used for issuing a return supervision report to the leasing target through the third-party supervision node when the leasing transaction process is finished, and performing return operation according to the original supervision report.
In some embodiments, the supervision module is specifically configured to: accessing a third-party supervision node into a distributed network, supervising a leasing target of the deposit-free leasing public platform, and issuing an original supervision report of the leasing target before leasing; the original supervision report is uploaded to a distributed network.
In some embodiments, the lease transaction process module is specifically configured to: accessing the leasing node to a distributed network, and acquiring leasing information from a deposit-free leasing platform; determining a leasing target to be leased in response to a selection operation for selecting the leasing target from the leasing information; the method comprises the steps of obtaining an original supervision report of a leasing target, establishing a leasing transaction process through a preset protocol by combining a deposit-free leasing price, target verification related information, insurance and a leasing market, completing execution based on a deposit-free leasing public platform and a leasing node, uploading the executed leasing transaction process to a distributed network, and obtaining the use right of the leasing target.
In some embodiments, the system further comprises a billing module, specifically configured to: and accessing the leasing node into the distributed network, transferring the use right of the leasing target in the leasing transaction process to a leasing user from the deposit-free leasing public platform according to the executed leasing transaction process, determining fund transfer information and uploading the fund transfer information to the distributed network.
In some embodiments, the return operation module is specifically configured to: when the leasing transaction process is finished, carrying out secondary supervision on the leasing targets through a third-party supervision node, and issuing a returning supervision report of the leasing targets before returning; comparing the returning supervision report with the original supervision report, and if the leasing target is not changed, returning according to the leasing transaction process; if the damage of the leasing target is generated, checking the loss generated by the damage according to the return supervision report, and determining an indemnification strategy; and after the rental user finishes the indemnity strategy, performing return operation according to the rental transaction process.
According to the technical scheme, the method has the following advantages: by adopting the leasing method and the system, the leasing user can clearly know the state of the leasing target, and the original contents of the leasing target are prevented from being falsified by the leasing platform, so that the rights and interests of the leasing user are guaranteed, and the money loss is prevented; further, because the leasing user issues the report on the leasing target through the third-party supervision node before returning, whether damage occurs to the target during the leasing transaction can be clearly known through the report, and the report can be used as a basis for the leasing company to recollect the claim for the leasing user. The invention completes the whole process of the deposit-free rental system by using the distributed network, ensures the trace and the investigation of the whole process, greatly reduces the financial dispute of the rental market and standardizes the system of the rental market.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The above and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a schematic flow chart diagram of one embodiment provided herein;
FIG. 2 is a schematic flow chart diagram of another embodiment provided herein;
FIG. 3 is a schematic flow chart diagram of yet another embodiment provided herein;
fig. 4 is a system diagram of an embodiment provided in the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the same or similar elements or elements having the same or similar functions throughout. The embodiments described below with reference to the accompanying drawings are illustrative and are only for the purpose of explaining the present application and are not to be construed as limiting the present application.
In the description of the present application, it is to be understood that the terms "first", "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated. Thus, features defined as "first", "second", may explicitly or implicitly include one or more of the described features. In the description of the present application, "a plurality" means two or more unless specifically limited otherwise.
The following disclosure provides many different embodiments or examples for implementing different features of the application. In order to simplify the disclosure of the present application, specific example components and arrangements are described below. Of course, they are merely examples and are not intended to limit the present application. Further, the present application may repeat reference numerals and/or reference letters in the various examples for simplicity and clarity and does not in itself dictate a relationship between the various embodiments and/or arrangements discussed.
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a schematic diagram of a deposit free rental method based on credit according to an embodiment of the present invention, and as shown in fig. 1, the embodiment of the present invention provides a deposit free rental method based on credit according to the present invention, a complete process of the deposit free rental system is completed by using a distributed network, each step is clear and transparent, and is traceable, thereby greatly reducing financial disputes in the rental market and standardizing the deposit free rental market, and the method includes:
step 101: establishing a distributed network and generating a preset protocol;
step 102: accessing the deposit-free lease public platform into a distributed network, updating the lease targets to which the deposit-free lease public platform belongs, and releasing lease information;
step 103: accessing a third-party supervision node into the distributed network, issuing an original supervision report to a leasing target of the deposit-free leasing public platform, and uploading the original supervision report to the distributed network;
step 104: accessing the lease node into a distributed network, acquiring lease information from a deposit-free lease platform, establishing a lease transaction process according to a preset protocol and finishing execution;
step 105: accessing the supervision node to the distributed network, checking the executed lease transaction process, and finishing the lease transaction process after the check is passed;
step 106: and when the lease transaction process is finished, issuing a return supervision report to the lease mark through a third party supervision node, and returning according to the original supervision report.
The invention provides a credit-based deposit-free leasing method, which comprises the following steps: establishing a distributed network and generating a preset protocol; accessing the deposit-free lease public platform to a distributed network, updating the lease targets to which the deposit-free lease public platform belongs, and releasing lease information; accessing a third-party supervision node into a distributed network, issuing an original supervision report to a lease mark belonging to a deposit-free lease public platform, and uploading the original supervision report to the distributed network; accessing the lease node into a distributed network, acquiring lease information from a deposit-free lease platform, establishing a lease transaction process according to a preset protocol and finishing execution; accessing the supervision node to the distributed network, checking the executed lease transaction process, and finishing the lease transaction process after the check is passed; and when the leasing transaction process is finished, issuing a return supervision report to the leasing target through the third-party supervision node, and returning according to the original supervision report. The embodiment of the invention utilizes the preset protocol which is pre-deployed on the distributed network to complete the deposit-free leasing protocol between the deposit-free leasing company and the leaser, thereby realizing the leasing service between the deposit-free leasing company and the deposit-free leaser; furthermore, the deposit-free rental public platform monitors the rental target through a third-party monitoring node to obtain a monitoring report, can obtain a target state in advance, can be used as a reference for the rental user to select the target, and then, when the rental transaction process is finished, the rental user issues a return monitoring report to the rental target through the third-party monitoring node, and can evaluate the damage possibly generated to the rental target in the whole rental process, so that the rental user can clearly know the target state when returning the rental target, and the deposit-free rental public platform is prevented from falsely constituting the original fault of the target as the damage generated during the rental transaction process, thereby ensuring the rights and interests of the rental user and preventing the loss of money and money; furthermore, the rental user issues the return supervision report to the rental target through the third-party supervision node before returning, and whether damage occurs to the rental target during the process of the rental transaction can be clearly known through the return supervision report, so that the return supervision report can be used as a basis for the exempt deposit rental company to recover the compensation for the rental user. The invention utilizes the distributed network to complete a whole set of flow of the deposit-free leasing system, each step is clear and transparent, and can be checked in trace, thereby greatly reducing the financial dispute of the leasing market and standardizing the system of the deposit-free leasing market.
When the credit-based deposit-free rental method provided by the embodiment of the invention is implemented, in some embodiments, the method includes:
establishing a distributed network and generating a preset protocol; accessing the deposit-free lease public platform to a distributed network, updating the lease targets to which the deposit-free lease public platform belongs, and releasing lease information; accessing a third-party supervision node into the distributed network, issuing an original supervision report to a leasing target of the deposit-free leasing public platform, and uploading the original supervision report to the distributed network; accessing the leasing node to a distributed network, acquiring leasing information from a deposit-free leasing platform, establishing a leasing transaction process according to a preset protocol and finishing execution; accessing the supervision node to the distributed network, checking the executed lease transaction process, and finishing the lease transaction process after the check is passed; and when the leasing transaction process is finished, issuing a return supervision report to the leasing target through the third-party supervision node, and returning according to the original supervision report.
In some embodiments, a distributed network is established, a preset protocol is generated, then, a deposit free lease public platform is accessed to the distributed network, the lease targets are updated, and lease information is issued; the design of the preset protocol is that the distributed network sends the relevant parameters of the lease transaction to the preset protocol, the protocol needs to contain relevant information such as the exempt from deposit lease price, the target verification relevant information, the exempt from deposit lease time, insurance and the like, and the agreement is stored in the distributed network after being executed by two leasing parties; and establishing a deposit-free lease public platform to access the distributed network, updating the updated lease targets in real time and releasing lease information.
Further, when the credit-based deposit-free leasing method provided by the embodiment of the present invention is specifically implemented, the third party monitoring node is accessed to the distributed network, and an original monitoring report is issued for a leasing target belonging to a deposit-free leasing public platform and uploaded to the distributed network, including:
step 1031: accessing a third-party supervision node into a distributed network, supervising a leasing target of the deposit-free leasing public platform, and issuing an original supervision report of the leasing target before leasing; the original supervision report comprises: leasing target information, a monitoring date, a monitoring organization and a monitoring report;
step 1032: the original supervision report is uploaded to the distributed network.
In some embodiments, before renting the rental target, the rental target needs to be supervised by a third-party supervision node to ensure that the rental target is in a good state, and the rental target is provided to the rental user as a reference for selecting renting, which may specifically include: firstly, a third-party supervision node is accessed to a distributed network, a rental target to which a deposit-free rental public platform belongs is supervised, and an original supervision report of the rental target before rental is issued; the original supervision report, comprising: leasing target information, a monitoring date, a monitoring organization and a monitoring report; the original supervision report is then uploaded to the distributed network.
In some embodiments, the third-party monitoring node accesses the distributed network, searches for a third-party monitoring mechanism with public trust to monitor the updated leasing target of the platform, provides a latest monitoring report, and uniformly packages and stores information of the leasing target, the monitoring date, the monitoring mechanism, the monitoring report and the like in the distributed network.
Fig. 2 is a schematic diagram of a transaction process and a subscription process of a credit-based deposit-free rental method according to an embodiment of the present invention, and as shown in fig. 2, when the credit-based deposit-free rental method according to the embodiment of the present invention is implemented, in one embodiment, a rental node is accessed to a distributed network, and acquires rental information from a deposit-free rental platform, establishes a rental transaction process according to a preset protocol and completes execution, and acquires a right to use a rental target, including:
step 201: accessing the leasing node to a distributed network, and acquiring leasing information from a deposit-free leasing platform; the lease information includes: the deposit-free lease price, the mark verification relevant information and insurance;
step 202: determining a rental target to be rented in response to a selecting operation of selecting the rental target from the rental information;
step 203: the method comprises the steps of obtaining an original supervision report of a leasing target, establishing a leasing transaction process through a preset protocol by combining a deposit-free leasing price, target verification related information, insurance and a leasing market, completing execution based on a deposit-free leasing public platform and a leasing node, uploading the executed leasing transaction process to a distributed network, and obtaining the use right of the leasing target.
In some embodiments, when a rental user wants to rent a target, the operation needs to be performed through a rental node, so that the rental node needs to be accessed to a distributed network to obtain rental information from a deposit-free rental platform; the lease information includes: free deposit lease price, target verification related information, insurance; then, the user selects the leasing target from the leasing information, and the leasing target to be leased is determined in response to the operation of selecting the leasing target from the leasing information; and finally, acquiring an original supervision report of the leasing target, establishing a leasing transaction process through a preset protocol by combining the deposit-free leasing price, the target verification related information, the insurance and the leasing market, completing the execution based on the deposit-free leasing public platform and the leasing node, uploading the executed leasing transaction process to a distributed network, and acquiring the use right of the leasing target.
In some embodiments, the leasing node is accessed to the distributed network, a deposit-free leaser acquires target leasing information and supervised related data through a public platform, determines a target to be leased and then sends a leasing request to the public platform through research and comparison of the data, and acquires the use right of the leasing target for a certain time; and the distributed network sends the related parameters of the lease transaction to a preset protocol, the protocol needs to contain related information such as deposit-free lease price, target verification related information, deposit-free lease time, insurance and the like, and the deposit-free lease time, the insurance and the like are stored in the distributed network after being executed by two leasing parties.
When the credit-based deposit-free rental method provided by the embodiment of the present invention is implemented, in some embodiments, the method further includes:
and accessing the leasing node into the distributed network, transferring the use right of the leasing target in the leasing transaction process to a leasing user from the deposit-free leasing public platform according to the executed leasing transaction process, determining fund transfer information and uploading the fund transfer information to the distributed network.
In some embodiments, a leasing node needs to be established to access the distributed network, after execution is completed, fund transfer is completed according to a leasing price marked by a protocol, and the leasing node completes network accounting.
In some embodiments, the monitoring node accesses the distributed network, after the subscription of the deposit-free rental agreement is completed and the related fee is paid, the monitoring node verifies the transaction, and after the verification is passed, the transaction is formally completed, and the public platform updates the information of the rental target in real time.
Fig. 3 is a schematic view of a return operation process of a credit-based deposit-free rental method according to an embodiment of the present invention, as shown in fig. 3, when the credit-based deposit-free rental method according to an embodiment of the present invention is implemented, in some embodiments, when a rental transaction process is finished, a return supervision report is issued to a rental target by a third-party supervision node, and a return operation is performed according to an original supervision report, including:
step 301: when the leasing transaction process is finished, carrying out secondary supervision on the leasing targets through a third-party supervision node, and issuing a returning supervision report of the leasing targets before returning;
step 302: comparing the returning supervision report with the original supervision report, and if the leasing target is not changed, returning according to the leasing transaction process;
step 303: if the damage of the leasing target is generated, checking the loss generated by the damage according to the return supervision report, and determining an indemnification strategy;
step 304: and after the rental user finishes the indemnity strategy, performing return operation according to the rental transaction process.
When the lease transaction process expires or needs to be returned in advance, namely when the lease transaction process ends, firstly, the lease target needs to be secondarily supervised by a third party supervision node, and a return supervision report of the lease target before returning is provided; then, comparing the returning supervision report with the original supervision report, and if the lease target is not changed, carrying out returning operation according to the lease transaction process; if the damage of the leasing target is generated, checking the loss generated by the damage according to a return supervision report, and determining an indemnity strategy; and after the rental user finishes the indemnity strategy, carrying out a return operation according to the rental transaction process.
In some embodiments, after the agreement is expired or when the leasing user returns in advance, the leasing target is supervised by a third party supervision node, a latest supervision report is issued and compared with the last report, if the leasing target has a loss, the loss is checked and compensated according to the latest loss assessment report issued by the third party verification node, if all the losses are normal, the leasing target is returned according to a rule agreed by a preset agreement, the corresponding agreement is released, and after the supervision and the verification are passed, the target is returned, and the information of the leasing target is updated in time by the public platform.
In some embodiments of the present invention, the distributed network is used for providing a basic architecture design, and includes a lease node, a third party verification node, a supervision node, a client node, a lease node, an information distribution node, and other nodes; the preset protocol comprises rules protocols of various transaction behaviors such as leasing, supervision, accounting, returning, settlement and the like.
The invention provides a credit-based deposit-free leasing system, which utilizes a preset protocol pre-deployed on a distributed network to complete a deposit-free leasing protocol between a deposit-free leasing company and a leaser and realize the transfer of target use rights between the deposit-free leasing company and the deposit-free leaser. The invention provides a distributed network, which comprises a leasing node, a third-party verification node, a supervision node, a client node, a leasing node and an information issuing node; providing a preset protocol which comprises transaction rules of various transaction behaviors such as exempt from deposit lease, third-party verification company verification, supervision, return and the like, establishing a public platform for exempting from deposit lease and providing information release. The whole set of flow of the deposit-free rental system is completed by using the distributed network, all steps are clear and transparent, and can be checked in a trace manner, so that the financial dispute of the rental market is greatly reduced, and the system of the deposit-free rental market is standardized.
The credit-based deposit free rental method provided by the embodiment of the invention is briefly described below with reference to specific scenarios:
the invention provides a credit-based deposit-free leasing system, which utilizes a preset protocol pre-deployed on a distributed network to complete a deposit-free leasing protocol between a deposit-free leasing company and a leaser and realize the transfer of target use rights between the deposit-free leasing company and the deposit-free leaser. The invention provides a distributed network, which comprises leasing nodes, third-party verification nodes, supervision nodes, client nodes, leasing nodes and information release nodes; providing a preset protocol which comprises transaction rules of various transaction behaviors such as exempt from deposit lease, third-party verification company verification, supervision, return and the like, establishing a public platform for exempting from deposit lease and providing information release.
When the credit-based deposit-free rental method provided by the embodiment of the invention is realized, the method comprises the following steps:
the public platform free of deposit lease is accessed to a distributed network, updates the updated lease targets in real time and releases lease information;
the third-party monitoring node is accessed to the distributed network, a third-party monitoring mechanism with public trust is searched for monitoring the updated lease targets of the platform, a latest monitoring report is issued, and information of the lease targets, monitoring dates, the monitoring mechanism, the monitoring report and the like is uniformly packaged and stored in the distributed network;
the leasing node is accessed to the distributed network, a deposit-free leaser acquires target leasing information and supervised related data through the public platform, determines a target to be leased and then sends a leasing request to the public platform through research and comparison of the data, and acquires the right to use the leasing target for a certain time;
finishing the design of a deposit-free lease preset protocol, sending related parameters of lease transaction to the preset protocol by the distributed network, wherein the protocol needs to contain related information such as deposit-free lease price, target verification related information, deposit-free lease time, insurance and the like, and storing the information to the distributed network after the lease parties finish execution;
the leasing node is accessed to the distributed network, and after execution is completed, fund transfer is completed according to the leasing price marked by the protocol, and network accounting is completed by the leasing node;
the monitoring node is accessed to the distributed network, after the subscription of the deposit-free leasing protocol is finished and the related fee is paid, the monitoring node verifies the transaction, the leasing transaction is formally finished after the verification is passed, and the public platform updates the information of the leasing target in real time;
and after the agreement is expired or the leaser returns in advance, the leased target is supervised by a third-party supervision node, a latest supervision report is issued and compared with the last report, if the loss occurs, the loss is checked and compensated according to the latest loss assessment report issued by the third-party verification node, if all the loss occurs, the loss is returned according to the rule agreed by the preset agreement, the corresponding agreement is released, and after the supervision and verification pass, the target is returned, and the information of the leased target is updated in time by the public platform.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to realize the credit-based deposit-free leasing method.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the above-mentioned credit-based deposit-free rental method.
The present invention also provides, in some embodiments, a credit-based deposit-free rental system, as described in the embodiments below. Because the principle of solving the problems of the system is similar to the credit-based deposit-free rental method, the implementation of the system can be referred to the implementation of the credit-based deposit-free rental method, and repeated parts are not described again.
Fig. 4 is a schematic diagram of a credit-based deposit-free rental system according to an embodiment of the present invention, and as shown in fig. 4, the embodiment of the present invention further provides a credit-based deposit-free rental system.
When the credit-based deposit-free rental system provided by the embodiment of the invention is implemented, in some embodiments, the credit-based deposit-free rental system includes:
a distributed network establishing module 401, configured to establish a distributed network and generate a preset protocol;
the lease information release module 402 is used for accessing the deposit-free lease public platform into a distributed network, updating the lease targets and releasing lease information;
the monitoring module 403 is used for accessing the third-party monitoring node to the distributed network, issuing an original monitoring report to the lease mark belonging to the deposit-free lease public platform, and uploading the original monitoring report to the distributed network;
a lease transaction process module 404, configured to access the lease node to the distributed network, obtain lease information from the deposit-free lease platform, establish a lease transaction process according to a preset protocol, and complete execution;
a lease transaction process auditing module 405, configured to access the monitoring node to the distributed network, audit the executed lease transaction process, and complete the lease transaction process after the audit is passed;
and the returning operation module 406 is used for issuing a returning supervision report to the rental mark through the third-party supervision node when the rental transaction process is finished, and performing returning operation according to the original supervision report.
In particular, when the deposit-free rental system based on credit provided by the embodiment of the present invention is implemented, in some embodiments, the monitoring module is specifically configured to:
accessing a third-party supervision node into a distributed network, supervising a leasing target of the deposit-free leasing public platform, and issuing an original supervision report of the leasing target before leasing; the original supervision report comprises: leasing target information, a monitoring date, a monitoring organization and a monitoring report;
the original supervision report is uploaded to a distributed network.
In particular, when the credit-based deposit free rental system provided by the embodiment of the present invention is implemented, in some embodiments, the rental transaction process module is specifically configured to:
accessing the leasing node to a distributed network, and acquiring leasing information from a deposit-free leasing platform; the lease information includes: free deposit lease price, target verification related information, insurance;
determining a rental target to be rented in response to a selecting operation of selecting the rental target from the rental information;
the method comprises the steps of obtaining an original supervision report of a leasing target, establishing a leasing transaction process through a preset protocol by combining a deposit-free leasing price, target verification related information, insurance and a leasing market, completing execution based on a deposit-free leasing public platform and a leasing node, uploading the executed leasing transaction process to a distributed network, and obtaining the use right of the leasing target.
When the credit-based deposit-free rental system provided by the embodiment of the present invention is implemented, in some embodiments, the system further includes a billing module, which is specifically configured to:
and accessing the leasing node into the distributed network, transferring the use right of the leasing target in the leasing transaction process to a leasing user from the deposit-free leasing public platform according to the executed leasing transaction process, determining fund transfer information and uploading the fund transfer information to the distributed network.
In particular, when the deposit-free rental system based on credit provided by the embodiment of the present invention is implemented, in some embodiments, the returning operation module is specifically configured to:
when the leasing transaction process is finished, carrying out secondary supervision on the leasing target through a third-party supervision node, and issuing a returning supervision report of the leasing target before returning;
comparing the returning supervision report with the original supervision report, and if the lease target is not changed, carrying out returning operation according to the lease transaction process;
if the damage of the leasing target is generated, checking the loss generated by the damage according to the return supervision report, and determining an indemnification strategy;
and after the rental user finishes the indemnity strategy, performing return operation according to the rental transaction process.
To sum up, the deposit free lease method and system based on credit provided by the embodiment of the invention comprises: establishing a distributed network and generating a preset protocol; accessing the deposit-free lease public platform into a distributed network, updating the lease targets to which the deposit-free lease public platform belongs, and releasing lease information; accessing a third-party supervision node into the distributed network, issuing an original supervision report to a leasing target of the deposit-free leasing public platform, and uploading the original supervision report to the distributed network; accessing the leasing node to a distributed network, acquiring leasing information from a deposit-free leasing platform, establishing a leasing transaction process according to a preset protocol and finishing execution; accessing the supervision node to the distributed network, checking the executed lease transaction process, and finishing the lease transaction process after the check is passed; and when the leasing transaction process is finished, issuing a return supervision report to the leasing target through the third-party supervision node, and returning according to the original supervision report. The embodiment of the invention utilizes the preset protocol which is pre-deployed on the distributed network to complete the deposit-free leasing protocol between the deposit-free leasing company and the leaser, thereby realizing the leasing service between the deposit-free leasing company and the deposit-free leaser; furthermore, the deposit-free rental public platform monitors the rental targets through a third-party monitoring node to obtain a monitoring report, can obtain target states in advance, can be used as a reference for the rental users to select the targets, and then, when the rental transaction process is finished, the rental users return the monitoring report through the third-party monitoring node to issue the rental targets, so that damage possibly caused to the rental targets in the whole rental process can be evaluated, the rental users can clearly know the target states when the rental targets are returned again, the deposit-free rental public platform is prevented from falsely constituting the original faults of the targets as damage during the rental transaction process, the rights and interests of the rental users are guaranteed, and money loss is prevented; furthermore, the rental user issues the return supervision report to the rental target through the third-party supervision node before returning, and whether damage occurs to the rental target during the process of the rental transaction can be clearly known through the return supervision report, so that the return supervision report can be used as a basis for the exempt deposit rental company to recover the compensation for the rental user. The invention utilizes the distributed network to complete a whole set of flow of the deposit-free leasing system, each step is clear and transparent, and can be checked in a trace manner, thereby greatly reducing the financial dispute of the leasing market and standardizing the system of the deposit-free leasing market.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations, and various types of data such as personal identity data, operation data, behavior data and the like related to individuals, clients, crowds and the like are authorized.
While embodiments of the present application have been shown and described, it will be understood by those of ordinary skill in the art that: numerous changes, modifications, substitutions and alterations can be made to the embodiments without departing from the principles and spirit of the application, the scope of which is defined by the claims and their equivalents.
Claims (10)
1. A credit-based deposit free rental method, comprising:
establishing a distributed network and generating a preset protocol;
accessing the deposit-free lease public platform to a distributed network, updating the lease targets to which the deposit-free lease public platform belongs, and releasing lease information;
accessing a third-party supervision node into the distributed network, issuing an original supervision report to a leasing target of the deposit-free leasing public platform, and uploading the original supervision report to the distributed network;
accessing the leasing node to a distributed network, acquiring leasing information from a deposit-free leasing platform, establishing a leasing transaction process according to a preset protocol and finishing execution;
accessing the supervision node to the distributed network, checking the executed lease transaction process, and finishing the lease transaction process after the check is passed;
and when the leasing transaction process is finished, issuing a return supervision report to the leasing target through the third-party supervision node, and returning according to the original supervision report.
2. The method of claim 1,
accessing a third-party supervision node into a distributed network, issuing an original supervision report for a leasing target of a deposit-free leasing public platform, and uploading the original supervision report to the distributed network, wherein the steps comprise:
accessing a third-party supervision node into a distributed network, supervising a leasing target of the deposit-free leasing public platform, and issuing an original supervision report of the leasing target before leasing; the original supervision report comprises: leasing target information, a monitoring date and a monitoring mechanism; the original supervision report is uploaded to the distributed network.
3. The method of claim 1,
accessing the leasing node into the distributed network, acquiring leasing information from the deposit-free leasing platform, establishing a leasing transaction process according to a preset protocol and finishing execution, and acquiring the use right of a leasing target, wherein the method comprises the following steps: accessing the leasing node to a distributed network, and acquiring leasing information from a deposit-free leasing platform;
determining a rental target to be rented in response to a selecting operation of selecting the rental target from the rental information;
the method comprises the steps of obtaining an original supervision report of a leasing target, establishing a leasing transaction process through a preset protocol by combining a deposit-free leasing price, target verification related information, insurance and a leasing market, completing execution based on a deposit-free leasing public platform and a leasing node, uploading the executed leasing transaction process to a distributed network, and obtaining the use right of the leasing target.
4. The method of claim 1,
further comprising:
and accessing the leasing node into the distributed network, transferring the use right of the leasing target in the leasing transaction process to a leasing user from the deposit-free leasing public platform according to the executed leasing transaction process, determining fund transfer information and uploading the fund transfer information to the distributed network.
5. The method of claim 1,
when the lease transaction process is finished, issuing a return supervision report to the lease mark through a third party supervision node, and performing return operation according to an original supervision report, wherein the return operation comprises the following steps:
when the leasing transaction process is finished, carrying out secondary supervision on the leasing target through a third-party supervision node, and issuing a returning supervision report of the leasing target before returning;
comparing the returning supervision report with the original supervision report, and if the lease target is not changed, carrying out returning operation according to the lease transaction process;
if the damage of the leasing target is generated, checking the loss generated by the damage according to the return supervision report, and determining an indemnification strategy;
and after the rental user finishes the indemnity strategy, carrying out a return operation according to the rental transaction process.
6. A credit-based deposit free rental system, comprising:
the distributed network module is used for establishing a distributed network and generating a preset protocol;
the system comprises a leasing information issuing module, a leasing information processing module and a leasing information processing module, wherein the leasing information issuing module is used for accessing a deposit-free leasing public platform to a distributed network, updating a leasing target to which the deposit-free leasing public platform belongs and issuing leasing information;
the monitoring module is used for accessing the third-party monitoring node into the distributed network, issuing an original monitoring report to a leasing target of the deposit-free leasing public platform and uploading the original monitoring report to the distributed network;
the lease transaction process module is used for accessing the lease nodes into the distributed network, acquiring lease information from the deposit-free lease platform, establishing a lease transaction process according to a preset protocol and finishing execution;
the lease transaction process auditing module is used for accessing the supervision node to the distributed network, auditing the executed lease transaction process, and finishing the lease transaction process after the auditing is passed;
and the return operation module is used for issuing a return supervision report to the leasing target through the third-party supervision node when the leasing transaction process is finished, and performing return operation according to the original supervision report.
7. The system of claim 6,
the supervision module is specifically configured to:
accessing a third-party monitoring node into a distributed network, monitoring a leasing target of a deposit-free leasing public platform, and issuing an original monitoring report of the leasing target before leasing;
the original supervision report is uploaded to a distributed network.
8. The system of claim 6,
a lease transaction process module specifically configured to:
accessing the leasing node to a distributed network, and acquiring leasing information from a deposit-free leasing platform;
determining a rental target to be rented in response to a selecting operation of selecting the rental target from the rental information;
the method comprises the steps of obtaining an original supervision report of a leasing target, establishing a leasing transaction process through a preset protocol by combining a deposit-free leasing price, target verification related information, insurance and a leasing market, completing execution based on a deposit-free leasing public platform and a leasing node, uploading the executed leasing transaction process to a distributed network, and obtaining the use right of the leasing target.
9. The system of claim 6,
still include the account keeping module, specifically be used for:
and accessing the lease node into the distributed network, transferring the use right of the lease target in the lease transaction process to a lease user from the deposit-free lease public platform according to the executed lease transaction process, determining fund transfer information and uploading the fund transfer information to the distributed network.
10. The system of claim 6,
the return operation module is specifically used for:
when the leasing transaction process is finished, carrying out secondary supervision on the leasing target through a third-party supervision node, and issuing a returning supervision report of the leasing target before returning;
comparing the returning supervision report with the original supervision report, and if the leasing target is not changed, returning according to the leasing transaction process;
if the damage of the leasing target is generated, checking the loss generated by the damage according to the return supervision report, and determining an indemnification strategy;
and after the rental user finishes the indemnity strategy, carrying out a return operation according to the rental transaction process.
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| CN202211275349.7A CN115619508A (en) | 2022-10-18 | 2022-10-18 | Credit-based deposit-free rental system and method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117474640A (en) * | 2023-12-27 | 2024-01-30 | 广州研趣信息科技有限公司 | Deposit-free leasing device and method |
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| CN107944970A (en) * | 2017-12-06 | 2018-04-20 | 阿里巴巴集团控股有限公司 | The method that lease is realized based on credit |
| CN114862517A (en) * | 2022-05-23 | 2022-08-05 | 中国银行股份有限公司 | Automobile leasing method and device based on block chain |
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