Intelligent lease management system and method

Abstract

The invention discloses an intelligent lease management system and method, relates to the technical field of electronic product lease management, and solves the problems that in the prior art, when lease equipment expires and a lease platform does not receive renewal rent, remote program control locking is carried out on the lease equipment, and limitation possibly exists without considering a remote locking technology; the user cannot be completely prevented from continuously using the equipment in other modes; whether the number of lease times of the user is greater than zero is judged through the lease information; if yes, constructing a reputation point unit according to the lease information, and if not, judging whether the user completes lease reputation authentication according to a third-party reputation point; judging whether the user completes lease point authentication according to the lease points; judging whether the user has complete lease qualification or not according to the lease authentication; the user completes equipment leasing application according to actual requirements and performs archiving; judging whether the user completes returning of the leasing equipment according to the leasing equipment application or not; according to the invention, the selection degree of the user is improved, and the management of the leasing equipment is enhanced.

Description

Technical Field

[0001] The present invention belongs to the field of electronic product rental management and relates to intelligent rental technology, specifically to an intelligent rental management system and method. Background Art

[0002] With the rapid development of technology, the speed of electronic equipment renewal is accelerating. Purchasing equipment may soon face the risk of obsolescence. Leasing allows users to replace the latest equipment at any time without incurring the loss of obsolete equipment. Leasing electronic equipment allows users to obtain the required equipment at a lower cost without having to invest a large amount of money in one go. This is a great advantage for companies or individual users with insufficient liquidity. In special occasions or projects, users may need high-configuration or specific types of electronic equipment. Through leasing, users can quickly obtain the required equipment to meet short-term or temporary needs.

[0003] The prior art (invention patent application with publication number CN117876080A) discloses a rental management system for remote control of electronic equipment; the prior art includes displaying electronic products and rental information through a rental management platform, and the rental service unit is responsible for handling rental business, providing reasonable solutions and updating the equipment status in real time; the remote control unit operates and manages electronic equipment through remote technology, monitors its operating status and performs remote debugging and maintenance; the system also includes a customer management unit and a financial management unit, which are responsible for rental user information management and financial processing, respectively; the prior art remotely locks the rental equipment when the rental platform does not receive the renewal rent after the lease expires, but does not take into account that the remote locking technology depends on network communication. When the network signal is unstable or interrupted, the remote locking function cannot work normally, resulting in a technical problem that it cannot completely prevent users from continuing to use the equipment in other ways.

[0004] The present invention provides an intelligent rental management system and method to solve the above technical problems. Summary of the invention

[0005] The present invention aims to solve at least one of the technical problems existing in the prior art; to this end, the present invention proposes an intelligent rental management system and method, which is used to solve the technical problem that the prior art remotely controls the locking of the leased equipment when the leased equipment expires and the leasing platform does not receive the renewal rent, but does not consider that the remote locking technology depends on network communication. When the network signal is unstable or interrupted, the remote locking function cannot work properly, resulting in the inability to completely prevent the user from continuing to use the equipment in other ways.

[0006] To achieve the above-mentioned object, the first aspect of the present invention provides an intelligent rental management system, including: an equipment rental application module, an equipment information archiving module, an equipment charging processing module, and a post-rental equipment processing module;

[0007] Equipment rental application module: obtain the user's rental information from the database, and determine whether the user's rental times are greater than zero based on the rental information; if yes, construct a credit score unit based on the rental information, and obtain the most recent single rental points based on the credit score unit; if no, obtain the third-party credit score, and determine whether the user has completed the rental credit certification based on the third-party credit score; if yes, the user has the initial rental qualification and does not need a deposit; if no, the user has the initial rental qualification after paying a deposit; determine whether the user has completed the rental points certification based on the rental points; if yes, the user has the initial rental qualification and does not need a deposit; if no, the user has the initial rental qualification after paying a deposit; the rental information includes: the user's rental times and rental points;

[0008] The leasing certification determines whether the user has complete leasing qualifications; if yes, then the user can apply for leasing equipment; if no, then the user cannot apply for leasing; the leasing certification includes: leasing credit certification and leasing points certification;

[0009] Equipment information archiving module: users complete the application for rental equipment according to actual needs and archive it;

[0010] Equipment charging processing module: determines whether the user has completed the return of the leased equipment according to the leased equipment application; if yes, calculates the total amount actually paid by the user; if not, sends a reminder signal to the user and performs subsequent processing according to the user's actual situation.

[0011] Preferably, the system further includes a post-rental equipment processing module:

[0012] Used to handle the leased equipment according to the user's actual situation; the handling methods include: renewal, buyout, return and replacement.

[0013] Preferably, the step of constructing a credit score unit based on the rental information includes:

[0014] Retrieve the rental information and set rule one based on the rental information: if a single piece of equipment is returned within the rental period, the rental score is 1 point; set rule two: if a single piece of equipment is returned overdue but the penalty is paid and then returned, the rental score is 0 point; set rule three: if the equipment is not returned and the penalty is not paid overdue, the rental score is -1 point; construct a credit score unit based on the set rules.

[0015] It should be noted that the rental points that appeared before the most recent credit point unit will be accumulated and saved separately according to the set rules; except for the set rules, other situations will not be counted in the credit point unit.

[0016] The present invention can motivate users to better manage their rental equipment and ensure that users can return the equipment on time by setting rules; and allow users who return the equipment overdue to pay liquidated damages without having their points deducted, which encourages overdue users to take timely measures and also protects the rights and interests of the lessor.

[0017] Preferably, judging whether the user has completed the rental credit certification based on the third-party credit score includes:

[0018] The third-party credit score is retrieved and the credit threshold is obtained from the database to determine whether the third-party credit score is higher than the credit threshold. If yes, the user completes the rental credit authentication; if no, the user does not complete the rental credit authentication.

[0019] It should be noted that the third-party credit score is obtained through third-party software; the credit threshold is set by the staff based on actual experience.

[0020] By setting a reputation threshold, the present invention enables the system to quickly make a preliminary judgment on the user's reputation without the need for complex manual review, thereby improving decision-making efficiency; by cooperating with third-party software to obtain reputation points, the third party's expertise and data resources in reputation evaluation can be fully utilized to enhance the accuracy and fairness of the evaluation.

[0021] Preferably, judging whether the user has completed the rental points authentication according to the rental points includes:

[0022] Set a negative threshold for rental points and determine whether the user's rental points are lower than the negative threshold. If yes, the user has not completed the rental points authentication; if no, call the credit points unit and determine whether the most recent rental points are greater than 0 points based on the credit points unit. If yes, the user has completed the rental points authentication; if no, the user has not completed the rental points authentication.

[0023] The present invention provides a clear negative boundary for user behavior by setting a negative threshold for rental points, which helps users to clearly understand their own behavioral standards; by setting a negative threshold for rental points, the lessor can screen out users who may have bad rental behavior, thereby avoiding or reducing potential losses and risks.

[0024] Preferably, judging whether the user has complete rental qualifications according to the rental authentication includes:

[0025] Determine whether the user has not completed both the rental credit certification and the rental points certification during the rental certification; if yes, the user does not have complete rental qualifications; if no, determine whether the user has authorized personal information and completed real-name authentication; if yes, the user has complete rental qualifications; if no, the user does not have complete rental qualifications.

[0026] The present invention can reduce unnecessary review steps and make the leasing process more efficient by directly excluding users who do not have basic leasing qualifications; before the user authorizes personal information and completes real-name authentication, their leasing qualifications will not be further evaluated, which protects the user's privacy to a certain extent.

[0027] Preferably, the user completes the equipment rental application according to actual needs and files it, including:

[0028] Users select rental equipment and accessories based on actual needs and set the rental period, and determine the rental amount based on the rental period; form an equipment application video unit and archive it; the equipment application video unit includes: the seller's inspection video before sending out the equipment, the buyer's unpacking video after receiving the equipment, and the record video before the buyer finishes using the equipment and sends it out.

[0029] It should be noted that the rental period starts from the time the user signs for the device and ends when the device is shipped; the specific time of the rental period is set according to the actual needs of the user.

[0030] The present invention allows users to select rental equipment and accessories according to their actual needs, and set the length of the rental period, which provides users with a high degree of flexibility; by applying for a video unit for the equipment, it can be ensured that the status of the equipment during the rental period is recorded and monitored, which is crucial to the safety and integrity of the equipment.

[0031] Preferably, the determining whether the user has completed the return of the leased equipment according to the leased equipment application includes:

[0032] The merchant determines whether the returned rental equipment has no faults. If so, the user completes the return of the rental equipment according to the rental equipment application, and the user's deposit is returned. If not, the equipment application video unit is retrieved to determine whether the rental equipment failure is caused by the user based on the equipment application video unit. If so, the user has not completed the return of the rental equipment according to the rental equipment application, and the repair damage assessment standard assessment form is obtained from the database. The user makes compensation based on the repair damage assessment standard assessment form. If not, the user completes the return of the rental equipment according to the rental equipment application, and the user's deposit is returned.

[0033] It should be noted that different equipment is equipped with different repair damage assessment standard assessment forms; users without a deposit will need to pay additional compensation if the equipment fails.

[0034] The present invention can clearly define the party responsible for equipment damage through video recording and repair damage assessment standard evaluation form, reduce disputes and increase the transparency of the rental process, and promote the rational use of leased goods by leasing users: for users without deposits, if the equipment fails, they need to pay additional compensation, which serves as an economic constraint to encourage users to use the equipment more responsibly.

[0035] Preferably, the calculation of the total amount actually paid by the user includes:

[0036] Mark the daily rent as RZ, the number of days for the lease as T1, the number of days overdue as T2, the number of days for renewal as T3, the overdue interest rate as YL, and YL>1;

[0037] The equipment rental is calculated by the formula SZ = RZ × T1 + RZ × T2 × YL + RZ × T3;

[0038] Mark the deposit as YJ and other amounts as QJ;

[0039] The total amount actually paid by the user is calculated using the formula ZJ=YJ+SZ+QJ; other amounts include: compensation for equipment damage, buyout amount, and replacement price difference.

[0040] It should be noted that the renewal days do not include overdue days; the overdue interest rate is determined based on actual conditions.

[0041] The present invention enables the system to flexibly deal with the situation where users return devices overdue by introducing overdue interest rates; by adjusting the overdue interest rates, users can be encouraged to return devices on time, and a compensation mechanism is also provided for the lessor; for merchants, this standardized calculation method helps to simplify the financial management process; through automated calculation tools, user expense lists and bills can be generated quickly and accurately, improving the efficiency and accuracy of financial processing.

[0042] To achieve the above object, the second aspect of the present invention provides an intelligent leasing management method, comprising:

[0043] Obtain the user's rental information from the database, and determine whether the user's rental times are greater than zero based on the rental information; if yes, construct a credit score unit based on the rental information, and obtain the most recent single rental points based on the credit score unit; if no, obtain the third-party credit score, and determine whether the user has completed the rental credit certification based on the third-party credit score; if yes, the user has the initial rental qualification and does not need to pay a deposit; if no, the user has the initial rental qualification after paying a deposit;

[0044] Determine whether the user has completed the rental points authentication based on the rental points; if yes, the user has the initial rental qualification and is free of deposit; if no, the user has the initial rental qualification after paying the deposit; the rental information includes: the number of rentals and rental points of the user;

[0045] The leasing certification determines whether the user has complete leasing qualifications; if yes, then the user can apply for leasing equipment; if no, then the user cannot apply for leasing; the leasing certification includes: leasing credit certification and leasing points certification;

[0046] Users complete the application for rental equipment according to actual needs and keep it on file;

[0047] Determine whether the user has completed the return of the leased equipment according to the leased equipment application; if yes, calculate the total amount actually paid by the user; if not, send a reminder signal to the user and perform subsequent processing according to the actual situation of the user.

[0048] Compared with the prior art, the present invention has the following beneficial effects:

[0049] 1. The present invention screens out users with good rental records through rental credit certification and rental points certification to reduce the risk of default; requires users who fail to pass the certification to pay a deposit to provide economic protection for possible losses, provides a variety of post-rental processing methods to meet the different needs of users, and increases user satisfaction; for users who meet the rental certification conditions, deposit-free leasing lowers the rental threshold and makes the process more convenient; by applying for a video unit through the device, it can ensure that the status of the device during the rental period is recorded and monitored, which is crucial to the safety and integrity of the device.

[0050] 2. The present invention sets a credit threshold so that the system can quickly make a preliminary judgment on the user's credit without the need for complex manual review, thereby improving decision-making efficiency; by cooperating with third-party software to obtain credit points, the third party's expertise and data resources in credit evaluation can be fully utilized to enhance the accuracy and fairness of the evaluation; through video recording and repair damage assessment standard evaluation forms, the responsible party for equipment damage can be clearly defined, thereby reducing disputes, increasing the transparency of the leasing process, and promoting the rational use of leased goods by leasing users. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0052] Figure 1 A schematic diagram showing the relationship between modules included in the rental management system of the present invention;

[0053] Figure 2 It is a schematic diagram of the specific process of the rental management system of the present invention;

[0054] Figure 3 A schematic diagram of the specific steps of the equipment leasing application of the present invention;

[0055] Figure 4 It is a schematic diagram of the specific steps of post-rental equipment processing of the present invention. DETAILED DESCRIPTION

[0056] The technical solution of the present invention will be clearly and completely described below in conjunction with the embodiments. Obviously, the described embodiments are only part of the embodiments of the present invention, rather than all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0057] See also Figure 1 , the first aspect of the present invention provides an intelligent leasing management system, including: an equipment leasing application module, an equipment information archiving module, an equipment charging processing module, and a post-leasing equipment processing module;

[0058] Equipment rental application module: obtain the user's rental information from the database, and determine whether the user's rental times are greater than zero based on the rental information; if yes, construct a credit score unit based on the rental information, and obtain the most recent single rental points based on the credit score unit; if no, obtain the third-party credit score, and determine whether the user has completed the rental credit certification based on the third-party credit score; if yes, the user has the initial rental qualification and does not need a deposit; if no, the user has the initial rental qualification after paying a deposit; determine whether the user has completed the rental points certification based on the rental points; if yes, the user has the initial rental qualification and does not need a deposit; if no, the user has the initial rental qualification after paying a deposit; the rental information includes: the user's rental times and rental points;

[0059] The leasing certification determines whether the user has complete leasing qualifications; if yes, then the user can apply for leasing equipment; if no, then the user cannot apply for leasing; the leasing certification includes: leasing credit certification and leasing points certification;

[0060] Equipment information archiving module: users complete the application for rental equipment according to actual needs and archive it;

[0061] Equipment charging processing module: determines whether the user has completed the return of the leased equipment according to the leased equipment application; if yes, calculates the total amount actually paid by the user; if not, sends a reminder signal to the user and performs subsequent processing according to the user's actual situation.

[0062] See also Figure 2, the specific steps of equipment rental application, obtain the user's rental information from the database, and determine whether the user's rental times are greater than zero based on the rental information; if yes, retrieve the rental information, and set rule one according to the rental information: if a single piece of equipment is returned within the rental period, the rental score is 1 point; set rule two: if a single piece of equipment is returned overdue but the penalty is paid and returned, the rental score is 0 points; set rule three: if it is not returned and the penalty is not paid overdue, the rental score is -1 point; construct a credit score unit based on the set rules; if no, obtain the third-party credit score, obtain the credit threshold from the database, and determine whether the third-party credit score is higher than the credit threshold. If yes, the user completes the rental credit certification, has the initial rental qualification and is free of deposit; if no, the user does not complete the rental credit certification, and has the initial rental qualification after paying the deposit;

[0063] Set a negative threshold for rental points to determine whether the user's rental points are below the negative threshold. If yes, the user has not completed the rental points authentication; if no, call the credit points unit to determine whether the most recent rental points are greater than 0 points based on the credit points unit. If yes, the user has completed the rental points authentication and has the initial rental qualification without a deposit; if no, the user has not completed the rental points authentication and has the initial rental qualification after paying a deposit;

[0064] Determine whether the user has not completed both the rental credit certification and the rental points certification during the rental certification; if yes, the user does not have complete rental qualifications; if no, determine whether the user has authorized personal information and completed real-name authentication; if yes, the user has complete rental qualifications; if no, the user does not have complete rental qualifications.

[0065] For example, existing users A, B, and C all need to apply to rent a camera, model Canon R100, and obtain the rental information of the three users from the database. Among them, users A and B have rented electronic products in this system, but user C has not rented one;

[0066] User A has rented two products twice before this rental application, and each time he rented two products, and both were returned within the rental period, so User A's rental points are 4 points; the negative threshold of rental points is set to -1 point, and User A's rental points are not lower than the negative threshold, and the most recent rental points are 2 points or more than 0 points, then User A completes the rental points authentication, has the initial rental qualification and is free of deposit; User A authorizes personal information and completes real-name authentication, then User A has full rental qualifications;

[0067] User B had rented three times before this rental application, and rented two products each time. The first time he returned the product within the rental period, the rental points corresponding to rule 1 are 2 points. The second time he returned the product after the expiration date but paid the penalty, the rental points corresponding to rule 2 are 0 points. The third time he did not return the product and did not pay the penalty after the expiration date, the rental points corresponding to rule 3 are -2 points. The negative threshold of rental points is set to -1 point. In this case, user B's rental points are lower than the negative threshold of rental points. User B has not completed the rental points certification and does not have complete rental qualifications.

[0068] The third-party credit score of user C is 601 points, and the credit threshold obtained from the database is 536 points. Since the third-party credit score is higher than the credit threshold, user C has completed the rental credit certification, has the initial rental qualification and is free of deposit; user C authorizes personal information and completes real-name authentication, then user C has complete rental qualifications.

[0069] See also Figure 3 , the specific steps of post-rental equipment processing, the user selects the rental equipment and accessories according to actual needs and sets the rental period, and determines the rental equipment amount according to the rental period; forms an equipment application video unit and archives it; wherein the equipment application video unit includes: the seller's inspection video before sending out the equipment, the buyer's unpacking video after receiving the equipment, and the record video before the buyer uses the equipment and sends it out; the merchant determines whether the returned rental equipment has no faults, if yes, the user completes the return of the rental equipment according to the rental equipment application, and returns the user's deposit; if no, retrieve the equipment application video unit, and determine whether the user caused the rental equipment to fail according to the equipment application video unit, if yes, the user did not complete the return of the rental equipment according to the rental equipment application, and obtain the repair damage assessment standard evaluation form from the database, and the user compensates according to the repair damage assessment standard evaluation form; if no, the user completes the return of the rental equipment according to the rental equipment application, and returns the user's deposit; mark the daily rent as RZ, the rental period as T1, the overdue days as T2, the renewal days as T3, the overdue interest rate as YL, and YL>1;

[0070] The equipment rental is calculated by the formula SZ = RZ × T1 + RZ × T2 × YL + RZ × T3;

[0071] Mark the deposit as YJ and other amounts as QJ;

[0072] The total amount actually paid by the user is calculated using the formula ZJ=YJ+SZ+QJ; other amounts include: compensation for equipment damage, buyout amount, and replacement price difference.

[0073] For example, users A and C both set the rental period to 30 days, the daily rental price of the camera is 14.75 yuan / day, and the buyout price and market price are both 8141.25 yuan; the seller needs to send the seller's inspection video before the device is sent to the system, and users A and C need to send the unpacking video after the device is received to the system. The rental period of users A and C has expired. User A chooses to return the camera within the rental period, and user C chooses to buy out the camera within the rental period;

[0074] User A sends a video recording of the device before sending it out after the buyer uses it. After receiving the product, the merchant determines that the lens of the returned camera is worn, and the wear diameter is less than 3mm. The merchant retrieves the device application video unit and determines that user A caused the rental device to malfunction. In this case, the user needs to pay 10% of the market price according to the repair damage assessment standard evaluation table (Table 1). The equipment rental SZ is calculated according to the formula = 14.75 × 30 + 14.75 × 0 + 14.75 × 0, so the equipment rental is 442.5 yuan; the actual total payment of the user = 442.5 + 8141.25 × 10%, so the actual total payment of user A is 1256.625 yuan;

[0075] The equipment rental for user C is 14.75×30+14.75×0+14.75×0=442.5 yuan;

[0076] The actual total payment amount of user C is 442.5+8141.25=8583.75 yuan.

[0077] Table 1 Repair damage assessment standard evaluation table

[0078]

[0079] See also Figure 4 The second aspect of the present invention provides an intelligent leasing management method, including: obtaining the leasing information of the user from a database, judging whether the number of leasing times of the user is greater than zero according to the leasing information; if yes, constructing a credit score unit according to the leasing information, and obtaining the most recent single leasing score according to the credit score unit; if no, obtaining a third-party credit score, judging whether the user has completed the leasing credit certification according to the third-party credit score; if yes, then having the initial leasing qualification and no deposit is required; if no, then having the initial leasing qualification after paying the deposit;

[0080] Determine whether the user has completed the rental points authentication based on the rental points; if yes, the user has the initial rental qualification and is free of deposit; if no, the user has the initial rental qualification after paying the deposit; the rental information includes: the number of rentals and rental points of the user;

[0081] The leasing certification determines whether the user has complete leasing qualifications; if yes, then the user can apply for leasing equipment; if no, then the user cannot apply for leasing; the leasing certification includes: leasing credit certification and leasing points certification;

[0082] Users complete the application for rental equipment according to actual needs and keep it on file;

[0083] Determine whether the user has completed the return of the leased equipment according to the leased equipment application; if yes, calculate the total amount actually paid by the user; if not, send a reminder signal to the user and perform subsequent processing according to the actual situation of the user.

[0084] Part of the data in the above formula is calculated by removing the dimension and taking its numerical value. The formula is a formula closest to the actual situation obtained by software simulation of a large amount of collected data; the preset parameters and preset thresholds in the formula are set by technical personnel in this field according to actual conditions or obtained through simulation of a large amount of data.

[0085] The working principle of the present invention is as follows: judging whether the number of rental times of the user is greater than zero according to the rental information; if yes, constructing a credit score unit according to the rental information; if no, obtaining a third-party credit score, judging whether the user has completed the rental credit certification according to the third-party credit score; if yes, the user has the initial rental qualification and is free of deposit; if no, the user has the initial rental qualification after paying the deposit; judging whether the user has completed the rental score certification according to the rental points; if yes, the user has the initial rental qualification and is free of deposit; if no, the user has the initial rental qualification after paying the deposit; judging whether the user has complete rental qualifications according to the rental certification; if yes, applying for rental equipment is carried out, if no, the rental application cannot be carried out; the user completes the rental equipment application according to actual needs and archives it; judging whether the user completes the return of the rental equipment according to the rental equipment application; if yes, calculating the total amount actually paid by the user; if no, sending a reminder signal to the user, and performing subsequent processing according to the actual situation of the user.

[0086] The above embodiments are only used to illustrate the technical method of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical method of the present invention may be modified or replaced by equivalents without departing from the spirit and scope of the technical method of the present invention.

Claims

1. Intelligent leasing management system, characterized by: include: Equipment rental application module, equipment information archiving module, equipment charging processing module and post-rental equipment processing module; Equipment rental application module: obtain the user's rental information from the database, and determine whether the user's rental times are greater than zero based on the rental information; if yes, construct a credit score unit based on the rental information, and obtain the most recent single rental points based on the credit score unit; If not, obtain the third-party credit score and determine whether the user has completed the rental credit certification based on the third-party credit score; If yes, then the user has the initial rental qualification and does not need to pay a deposit; if no, then the user has the initial rental qualification after paying a deposit; the user is judged based on the rental points to determine whether the user has completed the rental points certification; If yes, then you are eligible for initial rental and no deposit is required; If not, the user will be eligible for initial rental after paying the deposit; the rental information includes: the number of rentals and rental points of the user; The leasing certification determines whether the user has complete leasing qualifications; if yes, then the user can apply for leasing equipment; if no, then the user cannot apply for leasing; the leasing certification includes: leasing credit certification and leasing points certification; Equipment information archiving module: users complete the application for rental equipment according to actual needs and archive it; Equipment charging processing module: determines whether the user has completed the return of the leased equipment according to the leased equipment application; if yes, calculates the total amount actually paid by the user; if not, sends a reminder signal to the user and performs subsequent processing according to the user's actual situation.

2. The intelligent leasing management system according to claim 1, characterized in that: The system further includes a post-rental equipment processing module: Used to handle the leased equipment according to the user's actual situation; the handling methods include: renewal, buyout, return and replacement.

3. The intelligent leasing management system according to claim 1, characterized in that: The step of constructing a credit score unit according to the rental information includes: Retrieve the rental information and set rule one based on the rental information: if a single piece of equipment is returned within the rental period, the rental score is 1 point; set rule two: if a single piece of equipment is returned overdue but the penalty is paid and then returned, the rental score is 0 point; set rule three: if the equipment is not returned and the penalty is not paid overdue, the rental score is -1 point; construct a credit score unit based on the set rules.

4. The intelligent leasing management system according to claim 1, characterized in that: The step of judging whether the user has completed the rental credit certification based on the third-party credit score includes: The third-party credit score is retrieved and the credit threshold is obtained from the database to determine whether the third-party credit score is higher than the credit threshold. If yes, the user completes the rental credit authentication; if no, the user does not complete the rental credit authentication.

5. The intelligent leasing management system according to claim 1, characterized in that: The determining whether the user has completed the rental points authentication according to the rental points includes: Set a negative threshold for rental points and determine whether the user's rental points are lower than the negative threshold. If yes, the user has not completed the rental points authentication; if no, call the credit points unit and determine whether the most recent rental points are greater than 0 points based on the credit points unit. If yes, the user has completed the rental points authentication; if no, the user has not completed the rental points authentication.

6. The intelligent leasing management system according to claim 1, characterized in that: The judgment of whether the user has complete rental qualifications based on the rental authentication includes: Determine whether the user has not completed both the rental credit certification and the rental points certification during the rental certification; if yes, the user does not have complete rental qualifications; if no, determine whether the user has authorized personal information and completed real-name authentication; if yes, the user has complete rental qualifications; if no, the user does not have complete rental qualifications.

7. The intelligent leasing management system according to claim 1, characterized in that: The user completes the equipment rental application according to actual needs and files it, including: Users select rental equipment and accessories based on actual needs and set the rental period, and determine the rental amount based on the rental period; form an equipment application video unit and archive it; the equipment application video unit includes: the seller's inspection video before sending out the equipment, the buyer's unpacking video after receiving the equipment, and the record video before the buyer finishes using the equipment and sends it out.

8. The intelligent leasing management system according to claim 1, characterized in that: The determining whether the user has completed the return of the leased equipment according to the leased equipment application includes: The merchant determines whether the returned rental equipment has no faults. If so, the user completes the return of the rental equipment according to the rental equipment application, and the user's deposit is returned. If not, the equipment application video unit is retrieved to determine whether the rental equipment failure is caused by the user based on the equipment application video unit. If so, the user has not completed the return of the rental equipment according to the rental equipment application, and the repair damage assessment standard assessment form is obtained from the database. The user makes compensation based on the repair damage assessment standard assessment form. If not, the user completes the return of the rental equipment according to the rental equipment application, and the user's deposit is returned.

9. The intelligent leasing management system according to claim 1, characterized in that: The calculation of the total amount actually paid by the user includes: Mark the daily rent as RZ, the number of days for the lease as T1, the number of days overdue as T2, the number of days for renewal as T3, the overdue interest rate as YL, and YL>1; The equipment rental is calculated by the formula SZ = RZ × T1 + RZ × T2 × YL + RZ × T3; Mark the deposit as YJ and other amounts as QJ; The total amount actually paid by the user is calculated using the formula ZJ=YJ+SZ+QJ; other amounts include: compensation for equipment damage, buyout amount, and replacement price difference.

10. An intelligent leasing management method, applied to the intelligent leasing management system according to any one of claims 1 to 9, characterized in that: include: Obtain the user's rental information from the database, and determine whether the user's rental times are greater than zero based on the rental information; Yes, a credit score unit is constructed based on the rental information, and the most recent rental score is obtained based on the credit score unit; If not, obtain the third-party credit score and determine whether the user has completed the rental credit certification based on the third-party credit score; If yes, then the property is eligible for initial leasing and no deposit is required; if no, then the property is eligible for initial leasing after paying a deposit; Determine whether the user has completed the rental points certification based on the rental points; If yes, then you are eligible for initial rental and no deposit is required; If not, the user will be eligible for initial rental after paying the deposit; the rental information includes: the number of rentals and rental points of the user; The leasing certification determines whether the user has complete leasing qualifications; if yes, then the user can apply for leasing equipment; if no, then the user cannot apply for leasing; the leasing certification includes: leasing credit certification and leasing points certification; Users complete the application for rental equipment according to actual needs and keep it on file; Determine whether the user has completed the return of the leased equipment according to the leased equipment application; if yes, calculate the total amount actually paid by the user; if not, send a reminder signal to the user and perform subsequent processing according to the actual situation of the user.

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