Dynamic separate account management system for mobile phone leasing service

Abstract

The invention discloses a dynamic account division management system for mobile phone leasing service in the technical field of intelligent leasing. The dynamic account division management system comprises a user management module for encrypting and managing user information; the lease management module is used for processing a lease process to generate lease information, and the lease process comprises the steps of selecting a mobile phone by utilizing a classification screening algorithm and generating a lease protocol by utilizing a template generation algorithm after a lease payment scheme is calculated according to an equivalent annuity method; the account division management module is used for realizing a dynamic account division function according to the leasing information and generating account division information; the data analysis module is used for generating visual income information by using a data analysis tool according to the leasing information and the account division information; the safety management module is used for storing the user information, the leasing information, the separate account information and the visual income information on a block chain; and the system integration module integrates the existing leasing system. The mobile phone leasing system solves the problems that in an existing mobile phone leasing system, user information is prone to divulging, the leasing process is tedious, income distribution is unreasonable, and account division management is not transparent.

Description

Technical Field

[0001] The invention relates to a dynamic account splitting management system for mobile phone rental services, belonging to the technical field of intelligent rental. Background Art

[0002] In the mobile phone equipment leasing market, settlement methods are showing a diversified trend, but the most widely used are still offline settlement and online settlement. As a traditional method, offline settlement is mainly based on manual operation. This process requires merchants and third parties to make clear agreements on the proportion of income sharing and the settlement period at the beginning of cooperation. As the leasing business progresses, every time a settlement period ends successfully, both parties need to go through the tedious process of manual reconciliation to carefully check each transaction data to ensure the accuracy of the data, and then distribute the income according to the pre-agreed ratio. Although this offline settlement method is slightly clumsy in operation and time-consuming and labor-intensive, it does meet the basic needs of merchants and third parties for income distribution to a certain extent, and ensures that both parties can share the benefits fairly and reasonably according to the proportion agreed in the contract. However, with the continuous development of the market and the rapid development of technology, the difficulty and workload of reconciliation have also increased exponentially, resulting in a significant increase in labor costs. Secondly, the offline settlement method lacks transparency, and it is difficult for both parties to understand the transaction status of the mobile phone in real time, and it is also difficult for merchants and third parties to understand the details of the account sharing in real time. This opacity may lead to distrust and disputes between the two parties, which in turn affects the smooth progress of cooperation. In addition, due to delays and uncertainties in offline settlements, mobile phone lessors may face the risk of delayed or no payment, which not only damages the interests of mobile phone lessors, but may also affect their normal capital flow and business operations, thus posing a threat to the healthy development of the entire mobile phone rental market.

[0003] The limitations and shortcomings of offline settlement methods have become increasingly prominent, providing an opportunity for the rise of online settlement methods. The rise of online settlement methods in the mobile device rental market is an effective supplement and innovation to the limitations of offline settlement.

[0004] However, online settlement methods have also exposed a series of problems in actual applications. First, online settlement methods are prone to leaking personal information. When conducting online transactions, users need to enter personal sensitive information, such as bank card numbers, passwords, ID numbers, etc. Once obtained by criminals, they may be used for illegal activities, causing serious economic losses and identity security risks to users. Secondly, online settlement usually relies on preset automated processes, which may result in the inability to flexibly adjust revenue distribution according to actual needs and market trends. For example, when the cooperative relationship between a merchant and a third party or the supply and demand relationship in the market changes, the online settlement system may not be able to reflect such changes in a timely manner, resulting in deviations or unreasonable pricing of revenue distribution or mobile phone rentals, as well as opaque account management and other problems.

[0005] The information disclosed in this background technology section is only intended to enhance the understanding of the overall background of the invention and should not be regarded as an acknowledgement or any form of suggestion that the information constitutes the prior art already known to ordinary technicians in this field. Summary of the invention

[0006] The technical problem to be solved by the present invention is: how to solve the problems existing in the existing mobile phone rental system, such as easy leakage of user information, complicated rental process, unreasonable profit distribution and opaque account management.

[0007] In order to solve the above technical problems, the present invention provides a dynamic account splitting management system with real-time account splitting, transparent account management, multi-level and customized account splitting strategies, data analysis functions, high security and easy integration, so as to improve the overall benefits of leasing services, attract more merchants to cooperate, enhance user experience and reduce operational risks. The present invention is realized by using the following technical solution.

[0008] The present invention provides a dynamic account splitting management system for mobile phone rental services, comprising: User management module, which is used to manage user information based on SHA-3 hash algorithm and salted hash technology, including registration, login, modification log and permission allocation of merchants and tenants; A leasing management module, for processing a leasing process according to user information to generate leasing information, wherein the leasing process includes selecting a mobile phone by using a classification screening algorithm and calculating a rent payment plan according to an equal annuity method, and then generating a leasing agreement by using a template generation algorithm; An account splitting management module, which is used to realize a dynamic account splitting function according to the lease information and generate account splitting information, wherein the dynamic account splitting function includes account splitting strategy setting and dynamic income distribution; The data analysis module is used to generate visual revenue information based on the leasing information and account splitting information using data analysis tools; Security management module, used to store user information, rental information, account split information and visual revenue information on the blockchain; The system integration module is used to integrate the existing leasing system according to the user management module, leasing management module, account management module, data analysis module and security management module.

[0009] Further, the user management module includes a merchant information management submodule and a user information management submodule; The merchant information management submodule is configured to perform the following operations: When the merchant fills in the registration information: the registration information is encrypted and stored using the SHA-3 hash algorithm and salted hash technology. The registration information includes the merchant account and password; When the merchant logs in using the registration information: the password entered by the merchant and the salt value corresponding to the password entered by the merchant are concatenated and hashed, and compared with the hash value of the password in the stored registration information for identity verification; When the merchant identity verification passes: According to the merchant's performance level, the rule-based permission allocation model RBAC is used to allocate initial permissions to the merchant and monitor the merchant's performance level in real time. The permission recommendation algorithm based on machine learning dynamically adjusts the merchant's permissions; Log all operations of merchants and use natural language processing technology to analyze all operations of merchants and store key log information on the blockchain, including modifying merchant information and publishing mobile phone rental information; The user information management submodule is configured to perform the following operations: When the tenant fills in the registration information: the registration information is encrypted and stored using the SHA-3 hash algorithm and salted hash technology. The registration information includes the tenant account and password; When the tenant logs in using the registration information: the password entered by the tenant and the salt value corresponding to the password entered by the tenant are concatenated and hashed, and compared with the hash value of the password in the stored registration information for identity verification; When the tenant identity verification is passed: Utilize the rule-based permission allocation model RBAC to assign initial permissions to tenants and dynamically adjust the permissions of tenants based on the tenant's payment history, rental record, and default situation and the tenant's credit rating; Log all tenant operations and use natural language processing technology to analyze all tenant operations and store key log information on the blockchain, including modifying tenant information and publishing mobile phone rental demand information; The mobile phone rental information includes the type, specification, performance, rental purpose, and expected rental period and rental fee of the mobile phone; The mobile phone rental demand information includes the type, specification, performance requirements, rental purpose, and expected rental period and rental fee of the mobile phone.

[0010] Further, the lease management module is configured to perform the following operations: Based on the matching degree between the tenant's mobile phone rental demand and the mobile phone rental information of all merchants, a mobile phone recommendation list is generated using a classification and screening algorithm; After the tenant selects the mobile phone to be rented, an automatic calculation algorithm is used to set a reasonable rental period for the tenant based on the user's rental needs, the type, specifications, performance requirements of the mobile phone, and market trends; Based on the lease term and the rent adjustment factor, generate a rent payment plan using the equal annuity method, including the rent amount and payment date for each payment cycle; Using a template generation algorithm, the template is automatically filled in according to user information and rent payment plan, and a lease agreement is generated and output that requires confirmation and signing by the merchant and tenant.

[0011] Furthermore, the rent adjustment factor is calculated in each payment cycle and is expressed as: (1); In the formula, represents the rent adjustment factor, Represents the weight coefficient of the market trend index, The weight coefficient representing the depreciation rate of the mobile phone, Represents the weight coefficient of the supply-demand relationship index, Indicates Market trend index within a payment cycle, Indicates The depreciation rate of the mobile phone within a payment cycle, Indicates An index of supply and demand relationships within a payment cycle.

[0012] Furthermore, the account management module is configured to perform the following operations: Based on the intelligent recommendation algorithm of the machine learning algorithm and the merchant's historical account splitting data, the optimal account splitting strategy is generated according to the rental information and provided to the merchant; When the merchant chooses the "proportional split" split strategy: Obtain merchant input or select third parties to be split and their corresponding split ratios for splitting; When the merchant selects the "Fixed Amount" split strategy: Obtain merchant input or select third parties to be split and their corresponding fixed amounts for splitting; The revenue is calculated and distributed in real time according to the lease agreement and the account-sharing strategy, and the performance level is set for the merchant and the account-sharing information is generated.

[0013] Furthermore, the data analysis module includes a data statistics and analysis submodule, a trend prediction submodule and a decision support submodule; The data statistics and analysis submodule is configured to perform the following operations: according to the rental information and the account splitting information, the number of rental orders, the revenue amount, and the mobile phone rental rate of the merchant are counted using the Pyecharts data analysis tool to generate visual data at the current moment; The trend prediction submodule is configured to perform the following operations: based on the historical visualization data output by the data statistics and analysis submodule, using a time series analysis method to predict the future rental trend and revenue amount of the mobile phone, and generate visualization data at any moment in the future; The decision support submodule is configured to perform the following operations: based on the visualization data at the current moment and the visualization data at any future moment, generate leasing strategies and business suggestions using the ChatGPT 3.5 interface.

[0014] Furthermore, the security management module is configured to perform the following operations: Desensitizing the user information and the rental information to obtain desensitized user information and the rental information; The desensitized user information and rental information, the account splitting information and the visualized revenue information are encrypted using an AES encryption algorithm to obtain an encrypted large data set; Split the encrypted large data set into smaller data shards and generate a unique hash value for each data shard; The data shards and their hash values ​​are stored on multiple nodes of the blockchain, wherein each of the multiple nodes includes a complete copy of the data and the data consistency is maintained between the nodes through a consensus mechanism; Leverage smart contracts to manage storage, access, and update operations for merchants and tenants by automatically executing preset rules and conditions.

[0015] Further, the system integration module includes an interface docking submodule, a data synchronization submodule and a system compatibility testing submodule; The interface docking submodule is configured to perform the following operations: provide a standard API interface to implement data exchange between the user management module, the rental management module, the account management module, the data analysis module and the security management module and the existing rental system; The data synchronization submodule is configured to perform the following operations: maintain the consistency of the user management module, rental management module, account management module, data analysis module and security management module with the existing rental system data to avoid data conflicts and losses; The system compatibility test submodule is configured to perform the following operations: Test the dynamic account management system after integration with the existing leasing system, ensure that the dynamic account management system can run stably under different operating systems, browsers, devices and network environments, and propose repair measures based on the test results.

[0016] Furthermore, it also includes a customer service module for providing customer service support, including online consultation, complaint handling and after-sales service.

[0017] Furthermore, the customer service module includes an online customer service submodule, a complaint handling submodule and an after-sales service submodule; The online customer service submodule is configured to perform the following operations: provide real-time online customer service support to answer user questions; The complaint handling submodule is configured to perform the following operations: record and handle user complaints; The after-sales service submodule is configured to perform the following operations: provide after-sales service, including equipment repair and exchange of mobile phones.

[0018] Compared with the prior art, the present invention has the following beneficial effects: 1. The present invention can realize dynamic account splitting function and generate account splitting information according to the rental information through the account splitting management module. Merchants can clearly see the income generated by each rental transaction and can flexibly allocate the income through account splitting strategy settings. It helps merchants to understand their own income in real time, improves the transparency and flexibility of income, and can directly stimulate merchants' enthusiasm for cooperation. The improvement of merchants' enthusiasm for cooperation promotes the improvement of the overall service quality of the system. Merchants are more willing to invest resources to optimize rental services and provide richer and higher-quality mobile phone rental options.

[0019] 2. The present invention can also dynamically adjust the performance level according to the performance of different merchants. When a merchant's business performance is poor or there is a potential risk, the system can automatically adjust the merchant's authority, thereby reducing the impact of a single merchant on the entire system, which means that users can enjoy a more convenient and efficient rental experience. Whether it is choosing a mobile phone model, calculating a rent payment plan or signing a rental agreement, users can find a satisfactory solution in the system.

[0020] 3. Merchants can use the data analysis module to gain an in-depth understanding of the trends in the rental market and their own revenue situation, providing strong data support for future cooperation and business expansion, and further enhancing merchants' willingness to cooperate and loyalty.

[0021] 4. The present invention adopts encryption technologies and security measures such as blockchain through the security management module to ensure the security of transaction data and merchant information, and reduce operational risks caused by data leakage or hacker attacks. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 The figure is a schematic diagram of the module flow of a dynamic account splitting management system for mobile phone rental services provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0023] The technical solution of the present invention is described in detail below through the accompanying drawings and specific embodiments. It should be understood that the embodiments of the present invention and the specific features in the embodiments are detailed descriptions of the technical solution of the present invention, rather than limitations on the technical solution of the present invention. The embodiments of the present invention and the technical features in the embodiments may be combined with each other unless there is a conflict.

[0024] The term "and / or" is only a description of the association relationship between related objects, indicating that there can be three relationships. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. In addition, the character " / " generally indicates that the related objects are in an "or" relationship.

[0025] Example 1 like Figure 1 As shown, this embodiment introduces a dynamic account splitting management system for mobile phone rental services, including: The user management module is used to manage user information based on the SHA-3 hash algorithm and salted hash technology, including registration, login, modification logs and permission allocation of merchants and tenants.

[0026] The present invention manages the user information of merchants and tenants through the user management module, including registration, login, modification log and authority allocation. At the same time, the SHA-3 hash algorithm and salted hash technology are also used to ensure the safe storage of sensitive information such as user passwords.

[0027] It improves the security of user information, prevents security risks such as password leakage, realizes refined management of user permissions, and ensures the operation permissions of different user roles. It also facilitates user registration, login and log management, and improves user experience.

[0028] The leasing management module is used to generate leasing information by processing the leasing process according to user information. The leasing process includes selecting mobile phones by using a classification screening algorithm and calculating the rent payment plan according to the equal annuity method, and then generating a leasing agreement by using a template generation algorithm.

[0029] The present invention simplifies the leasing process and improves leasing efficiency through the leasing management module. At the same time, it provides personalized mobile phone selection and rent payment schemes according to the classification and screening algorithm to select mobile phones and the equal annuity method to calculate the rent payment scheme, meeting the needs of different users. The use of template generation algorithm to generate the lease agreement also ensures the standardization and legality of the lease agreement and reduces the risk of lease disputes.

[0030] The account splitting management module is used to realize the dynamic account splitting function and generate account splitting information according to the leasing information. The dynamic account splitting function includes the account splitting strategy setting and the dynamic distribution of income.

[0031] The present invention realizes the flexible distribution of rental income through the account management module, improves the overall profit of merchants, provides a transparent income distribution mechanism, and helps to attract more partners. At the same time, it also reduces operational risks and can dynamically adjust the performance level according to the performance of different merchants.

[0032] The data analysis module is used to generate visual revenue information based on leasing information and account splitting information using data analysis tools.

[0033] The present invention generates visualized revenue information based on leasing information and account-sharing information through a data analysis module and a data analysis tool, thereby providing an intuitive data visualization display, helping merchants understand leasing trends and revenue situations, assisting merchants in making decisions, optimizing leasing strategies and account-sharing strategies, and improving merchants' data analysis and decision-making capabilities.

[0034] The security management module is used to store user information, rental information, account splitting information and visual revenue information on the blockchain.

[0035] The present invention stores user information, rental information, account splitting information and visualized income information on the blockchain through a security management module, ensuring the immutability and security of the information, preventing data leakage and tampering, improving the overall security of the dynamic account splitting management system, reducing security risks, and enhancing users' trust and satisfaction with the dynamic account splitting management system.

[0036] The system integration module is used to integrate the existing leasing system according to the user management module, leasing management module, account management module, data analysis module and security management module.

[0037] The present invention realizes seamless integration between each module and the existing leasing system through the system integration module, improves the overall performance and stability of the dynamic account management system, reduces the implementation cost and time of the dynamic account management system, speeds up the deployment and online speed of the dynamic account management system, provides scalability and maintainability, and facilitates subsequent system upgrades and optimizations.

[0038] Example 2 Based on the same inventive concept as Example 1, this example introduces a dynamic account splitting management system for mobile phone rental services, which specifically includes the following modules: The user management module is used to manage user information based on the SHA-3 hash algorithm and salted hash technology, including registration, login, modification logs and permission allocation of merchants and tenants.

[0039] The user management module includes a merchant information management submodule and a user information management submodule.

[0040] The merchant information management submodule is configured to perform the following operations: When the merchant fills in the registration information: the registration information is encrypted and stored using the SHA-3 hash algorithm and salted hash technology. The registration information includes the merchant account and password; When the merchant logs in using the registration information: the password entered by the merchant and the salt value corresponding to the password entered by the merchant are concatenated and hashed, and compared with the hash value of the password in the stored registration information for identity verification.

[0041] When the merchant fills in the registration information, the merchant information management submodule uses the SHA-3 hash algorithm and salted hash technology to encrypt and store the registration information.

[0042] When the merchant identity verification passes: According to the merchant's performance level, the rule-based permission allocation model RBAC is used to assign initial permissions to the merchant and monitor the merchant's performance level in real time. The permission recommendation algorithm based on machine learning dynamically adjusts the merchant's permissions.

[0043] In this embodiment, the RBAC model is used to allocate initial permissions to merchants based on their performance levels. Merchants with different performance levels will have different operating permissions, which helps to ensure the rational allocation of resources and the security of the system. The performance level of merchants is monitored in real time, and the permissions of merchants are dynamically adjusted based on the permission recommendation algorithm based on machine learning. It can ensure that merchants can flexibly obtain appropriate permissions as their performance changes, thereby improving work efficiency.

[0044] The user information management submodule is configured to perform the following operations: When the tenant fills in the registration information: the registration information is encrypted and stored using the SHA-3 hash algorithm and salted hash technology. The registration information includes the tenant account and password; When the tenant logs in using the registration information: the password entered by the tenant and the salt value corresponding to the password entered by the tenant are concatenated and hashed, and compared with the hash value of the password in the stored registration information for identity authentication.

[0045] When a merchant or tenant logs in using registration information, the merchant information management submodule or tenant information management submodule needs to verify the merchant or tenant's identity. The specific process is: concatenate the password entered by the merchant or tenant and the salt value corresponding to the password entered by the merchant or tenant, and then perform hashing to obtain a new hash value, and compare the new hash value with the hash value of the password in the stored registration information. If the two are the same, the identity verification is successful; if they are different, the identity verification fails.

[0046] This embodiment uses the SHA-3 hash algorithm and salted hash technology to encrypt, store and authenticate user registration information, thereby improving system security, preventing brute force cracking and enhancing user experience.

[0047] When the tenant identity verification is passed: Utilize the rule-based permission allocation model RBAC to assign initial permissions to tenants and dynamically adjust the permissions of tenants based on the tenant's payment history, rental record, and default situation and the tenant's credit rating; In this embodiment, the tenant's credit rating is evaluated based on multiple dimensions such as the tenant's payment history, historical mobile phone rental records, and default situations, and the evaluation results will be used to dynamically adjust the tenant's permissions. For example, tenants with higher credit ratings will be given access to more advanced features, such as priority reservations for popular mobile phones and more discounts, while tenants with lower credit ratings may be subject to some restrictions, such as being unable to reserve high-priced mobile phones or having to pay a higher deposit.

[0048] Log all tenant operations and use natural language processing technology to analyze all tenant operations and store key log information on the blockchain, including modifying tenant information and publishing mobile phone rental demand information; The mobile phone rental information includes the type, specification, performance, rental purpose, and expected rental period and rental fee of the mobile phone; The mobile phone rental demand information includes the type, specification, performance requirements, rental purpose, and expected rental period and rental fee of the mobile phone.

[0049] All operations of merchants are logged and analyzed using natural language processing technology to store key log information on the blockchain, including modifying merchant information and publishing mobile phone rental information.

[0050] In this embodiment, logging all operations of merchants or tenants helps track the behavior of merchants or tenants and ensure the integrity and traceability of data. By using natural language processing technology to analyze all operations of merchants or tenants, key log information can be identified and stored, such as modifying merchant information and publishing mobile phone rental information, which provides a basis for subsequent analysis, auditing and dispute resolution. Storing key log information on the blockchain can ensure that this information cannot be tampered with. The distributed ledger feature of the blockchain ensures that any modification to the data will be recorded and broadcast to all nodes in the network, thereby effectively preventing the data from being maliciously tampered with.

[0051] The leasing management module is used to generate leasing information by processing the leasing process according to user information. The leasing process includes selecting mobile phones by using a classification screening algorithm and calculating the rent payment plan according to the equal annuity method, and then generating a leasing agreement by using a template generation algorithm.

[0052] The lease management module is configured to perform the following operations: Based on the matching degree between the tenant's mobile phone rental demand and the mobile phone rental information of all merchants, a mobile phone recommendation list is generated using a classification and screening algorithm.

[0053] In this embodiment, the mobile phone rental information provided by all merchants is matched based on the tenant's mobile phone rental needs such as brand, model, price range, etc. The classification and screening algorithm is used to intelligently screen out the mobile phone that best matches the tenant's needs from a large number of mobile phones, and a recommendation list is generated, which helps the tenant quickly find the mobile phone that meets their needs and improves the rental efficiency.

[0054] After the tenant selects the mobile phone to be rented, an automatic calculation algorithm is used to set a reasonable rental period for the tenant based on the user's rental needs, the type, specifications, performance requirements of the mobile phone, and market trends.

[0055] In this embodiment, after the tenant selects the mobile phone to be rented, an automatic calculation algorithm is used to set a reasonable rental period for the tenant based on multiple factors such as the user's rental needs, such as rental duration, frequency of use, type of mobile phone, specifications, performance requirements, and market trends. A reasonable rental period can not only meet the tenant's usage needs, but also ensure the maximization of the merchant's interests, and also help to rationally allocate system resources.

[0056] Based on the lease term and the rent adjustment factor, a rent payment plan is generated using the equal annuity method, including the rent amount and payment date for each payment cycle.

[0057] In this embodiment, the rent adjustment factor is calculated in each payment period and is expressed as: (1); In the formula, represents the rent adjustment factor, Represents the weight coefficient of the market trend index, The weight coefficient representing the depreciation rate of the mobile phone, Represents the weight coefficient of the supply-demand relationship index, Indicates Market trend index within a payment cycle, Indicates The depreciation rate of the mobile phone within a payment cycle, Indicates An index of supply and demand relationships within a payment cycle.

[0058] Using a template generation algorithm, the template is automatically filled in according to user information and rent payment plan, and a lease agreement is generated and output that requires confirmation and signing by the merchant and tenant.

[0059] The account splitting management module is used to realize the dynamic account splitting function and generate account splitting information according to the leasing information. The dynamic account splitting function includes the account splitting strategy setting and the dynamic distribution of income.

[0060] The account management module is configured to perform the following operations: Based on the intelligent recommendation algorithm of the machine learning algorithm and the merchant's historical account sharing data, the optimal account sharing strategy is generated according to the rental information and provided to the merchant.

[0061] In this embodiment, a machine learning algorithm is used to analyze and learn the merchant's historical account splitting data, identify the merchant's account splitting preferences and optimal account splitting strategies under different rental information, and help the merchant make decisions quickly.

[0062] When the merchant chooses the "proportional split" split strategy: Obtain merchant input or select third parties to be split and their corresponding split ratios for splitting; When the merchant selects the "Fixed Amount" split strategy: Obtain merchant input or select third parties to be split and their corresponding fixed amounts for splitting; The income is calculated and distributed in real time according to the lease agreement and the account sharing strategy, and the account sharing information is generated.

[0063] In this embodiment, the flexibility of multiple account splitting methods meets the merchant's account splitting needs in different leasing scenarios. According to the leasing agreement and the selected account splitting strategy, the revenue is calculated and distributed in real time, which can ensure that the merchant and the third party can obtain their due share of revenue in a timely and accurate manner. It can stimulate the merchant's willingness to cooperate, promote the healthy development of the leasing market, and reduce the legal risks and market uncertainties caused by account splitting disputes.

[0064] The data analysis module is used to generate visual revenue information based on leasing information and account splitting information using data analysis tools.

[0065] The data analysis module includes a data statistics and analysis submodule, a trend prediction submodule and a decision support submodule; The data statistics and analysis submodule is configured to perform the following operations: based on the leasing information and account splitting information, use the Pyecharts data analysis tool to count the merchant's leasing order quantity, revenue amount, and mobile phone rental rate, generate visual data at the current moment, and help merchants intuitively understand the current operating conditions.

[0066] The trend prediction submodule is configured to perform the following operations: based on the historical visualization data output by the data statistics and analysis submodule, use the time series analysis method to predict the future rental trend and revenue amount of mobile phones, generate visualization data at any time in the future, and provide merchants with a reference for future business decisions. The decision support submodule is configured to perform the following operations: based on the visualization data at the current moment and the visualization data at any future moment, generate leasing strategies and business suggestions using the ChatGPT 3.5 interface.

[0067] The security management module is used to store user information, rental information, account splitting information and visual revenue information on the blockchain.

[0068] The security management module is configured to perform the following operations: Desensitizing the user information and the rental information to obtain desensitized user information and the rental information; The desensitized user information and rental information, the account splitting information and the visualized revenue information are encrypted using an AES encryption algorithm to obtain an encrypted large data set; Split the encrypted large data set into smaller data shards and generate a unique hash value for each data shard; The data shards and their hash values ​​are stored on multiple nodes of the blockchain, wherein each of the multiple nodes includes a complete copy of the data and the data consistency is maintained between the nodes through a consensus mechanism; Leverage smart contracts to manage storage, access, and update operations for merchants and tenants by automatically executing preset rules and conditions.

[0069] The system integration module is used to integrate the existing leasing system according to the user management module, leasing management module, account management module, data analysis module and security management module.

[0070] The system integration module includes an interface docking submodule, a data synchronization submodule and a system compatibility testing submodule; The interface docking submodule is configured to perform the following operations: provide a standard API interface to implement data exchange between the user management module, the rental management module, the account management module, the data analysis module and the security management module and the existing rental system; The data synchronization submodule is configured to perform the following operations: maintain the consistency of the user management module, rental management module, account management module, data analysis module and security management module with the existing rental system data to avoid data conflicts and losses; The system compatibility test submodule is configured to perform the following operations: Test the dynamic account management system after integration with the existing leasing system, ensure that the dynamic account management system can run stably under different operating systems, browsers, devices and network environments, and propose repair measures based on the test results.

[0071] The customer service module is used to provide customer service support, including online consultation, complaint handling and after-sales service.

[0072] The customer service module includes an online customer service submodule, a complaint handling submodule and an after-sales service submodule; The online customer service submodule is configured to perform the following operations: provide real-time online customer service support to answer user questions; The complaint handling submodule is configured to perform the following operations: record and handle user complaints; The after-sales service submodule is configured to perform the following operations: provide after-sales service, including equipment repair and exchange of mobile phones.

[0073] The specific functional implementation of each of the above modules can be found in the relevant contents of the method in Example 1 and will not be elaborated here.

[0074] In summary, the present invention realizes the security management of user information, simplification of rental process, flexibility of profit distribution, intuitiveness of data analysis, and security and scalability of the whole system through the synergy between the various modules of the dynamic account splitting management system for mobile phone rental services. It jointly improves the overall profit and user experience of merchants, reduces operational risks, provides strong support for mobile phone rental services, and solves the problems of easy leakage of user information, cumbersome rental process, unreasonable profit distribution and opaque account splitting management in the existing mobile phone rental system.

[0075] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may be in the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may be in the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0076] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0077] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0078] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0079] The embodiments of the present invention are described above in conjunction with the accompanying drawings, but the present invention is not limited to the above-mentioned specific implementation methods. The above-mentioned specific implementation methods are merely illustrative and not restrictive. Under the enlightenment of the present invention, ordinary technicians in this field can also make many forms without departing from the scope of protection of the purpose of the present invention and the claims, which all fall within the protection of the present invention.

Claims

1. A dynamic account splitting management system for mobile phone rental services, characterized in that: include: User management module, which is used to manage user information based on SHA-3 hash algorithm and salted hash technology, including registration, login, modification log and permission allocation of merchants and tenants; A leasing management module, used to generate leasing information by processing a leasing process according to user information, wherein the leasing process includes selecting a mobile phone by using a classification screening algorithm and calculating a rent payment plan according to an equal annuity method, and then generating a leasing agreement by using a template generation algorithm; An account splitting management module, which is used to realize a dynamic account splitting function according to the lease information and generate account splitting information, wherein the dynamic account splitting function includes account splitting strategy setting and dynamic income distribution; The data analysis module is used to generate visual revenue information based on the leasing information and account splitting information using data analysis tools; Security management module, used to store user information, rental information, account split information and visual revenue information on the blockchain; The system integration module is used to integrate the existing leasing system according to the user management module, leasing management module, account management module, data analysis module and security management module.

2. The dynamic account splitting management system for mobile phone rental service according to claim 1, characterized in that: The user management module includes a merchant information management submodule and a user information management submodule; The merchant information management submodule is configured to perform the following operations: When the merchant fills in the registration information: the registration information is encrypted and stored using the SHA-3 hash algorithm and salted hash technology. The registration information includes the merchant account and password; When the merchant logs in using the registration information: the password entered by the merchant and the salt value corresponding to the password entered by the merchant are concatenated and hashed, and compared with the hash value of the password in the stored registration information for identity verification; When the merchant identity verification passes: According to the merchant's performance level, the rule-based permission allocation model RBAC is used to allocate initial permissions to the merchant and monitor the merchant's performance level in real time. The permission recommendation algorithm based on machine learning dynamically adjusts the merchant's permissions; Log all operations of merchants and use natural language processing technology to analyze all operations of merchants and store key log information on the blockchain, including modifying merchant information and publishing mobile phone rental information; The user information management submodule is configured to perform the following operations: When the tenant fills in the registration information: the registration information is encrypted and stored using the SHA-3 hash algorithm and salted hash technology. The registration information includes the tenant account and password; When the tenant logs in using the registration information: the password entered by the tenant and the salt value corresponding to the password entered by the tenant are concatenated and hashed, and compared with the hash value of the password in the stored registration information for identity verification; When the tenant identity verification is passed: Utilize the rule-based permission allocation model RBAC to assign initial permissions to tenants and dynamically adjust the permissions of tenants based on their payment history, rental records, and default situations and their credit ratings; Log all tenant operations and use natural language processing technology to analyze all tenant operations and store key log information on the blockchain, including modifying tenant information and publishing mobile phone rental demand information; The mobile phone rental information includes the type, specification, performance, rental purpose, and expected rental period and rental fee of the mobile phone; The mobile phone rental demand information includes the type, specification, performance requirements, rental purpose, and expected rental period and rental fee of the mobile phone.

3. The dynamic account splitting management system for mobile phone rental service according to claim 1, characterized in that: The lease management module is configured to perform the following operations: Based on the matching degree between the tenant's mobile phone rental demand and the mobile phone rental information of all merchants, a mobile phone recommendation list is generated using a classification and screening algorithm; After the tenant selects the mobile phone to be rented, an automatic calculation algorithm is used to set a reasonable rental period for the tenant based on the user's rental needs, the type, specifications, performance requirements of the mobile phone, and market trends; Based on the lease term and the rent adjustment factor, generate a rent payment plan using the equal annuity method, including the rent amount and payment date for each payment cycle; Using a template generation algorithm, the template is automatically filled in according to user information and rent payment plan, and a lease agreement is generated and output that requires confirmation and signing by the merchant and tenant.

4. The dynamic account splitting management system for mobile phone rental services according to claim 3, characterized in that: The rent adjustment factor is calculated each payment period and is expressed as: （1）； In the formula, represents the rent adjustment factor, Represents the weight coefficient of the market trend index, The weight coefficient representing the depreciation rate of the mobile phone, Represents the weight coefficient of the supply-demand relationship index, Indicates Market trend index within a payment cycle, Indicates The depreciation rate of the mobile phone within a payment cycle, Indicates An index of supply and demand relationships within a payment cycle.

5. The dynamic account splitting management system for mobile phone rental service according to claim 3, characterized in that: The account management module is configured to perform the following operations: Based on the intelligent recommendation algorithm of the machine learning algorithm and the merchant's historical account splitting data, the optimal account splitting strategy is generated according to the rental information and provided to the merchant; When the merchant chooses the "Proportional Split" split strategy: Obtain merchant input or select third parties to be split and their corresponding split ratios for splitting; When the merchant selects the "Fixed Amount" split strategy: Obtain merchant input or select third parties to be split and their corresponding fixed amounts for splitting; The revenue is calculated and distributed in real time according to the lease agreement and the account-sharing strategy, and the performance level is set for the merchant and the account-sharing information is generated.

6. The dynamic account splitting management system for mobile phone rental services according to claim 1, characterized in that: The data analysis module includes a data statistics and analysis submodule, a trend prediction submodule and a decision support submodule; The data statistics and analysis submodule is configured to perform the following operations: according to the rental information and the account splitting information, the number of rental orders, the revenue amount, and the mobile phone rental rate of the merchant are counted using the Pyecharts data analysis tool to generate visual data at the current moment; The trend prediction submodule is configured to perform the following operations: based on the historical visualization data output by the data statistics and analysis submodule, using a time series analysis method to predict the future rental trend and revenue amount of the mobile phone, and generate visualization data at any moment in the future; The decision support submodule is configured to perform the following operations: based on the visualization data at the current moment and the visualization data at any future moment, generate leasing strategies and business suggestions using the ChatGPT 3.5 interface.

7. The dynamic account splitting management system for mobile phone rental services according to claim 1, characterized in that: The security management module is configured to perform the following operations: Desensitizing the user information and the rental information to obtain desensitized user information and the rental information; The desensitized user information and rental information, the account splitting information and the visualized revenue information are encrypted using an AES encryption algorithm to obtain an encrypted large data set; Split the encrypted large data set into smaller data shards and generate a unique hash value for each data shard; The data shards and their hash values ​​are stored on multiple nodes of the blockchain, wherein each of the multiple nodes includes a complete copy of the data and the data consistency is maintained between the nodes through a consensus mechanism; Leverage smart contracts to manage storage, access, and update operations for merchants and tenants by automatically executing preset rules and conditions.

8. The dynamic account splitting management system for mobile phone rental services according to claim 1, characterized in that: The system integration module includes an interface docking submodule, a data synchronization submodule and a system compatibility testing submodule; The interface docking submodule is configured to perform the following operations: provide a standard API interface to implement data exchange between the user management module, the rental management module, the account management module, the data analysis module and the security management module and the existing rental system; The data synchronization submodule is configured to perform the following operations: maintain the consistency of the user management module, rental management module, account management module, data analysis module and security management module with the existing rental system data to avoid data conflicts and losses; The system compatibility test submodule is configured to perform the following operations: Test the dynamic account management system after integration with the existing leasing system, ensure that the dynamic account management system can run stably under different operating systems, browsers, devices and network environments, and propose repair measures based on the test results.

9. The dynamic account splitting management system for mobile phone rental services according to claim 1, characterized in that: It also includes a customer service module for providing customer service support, including online consultation, complaint handling and after-sales service.

10. The dynamic account splitting management system for mobile phone rental service according to claim 9, characterized in that: The customer service module includes an online customer service submodule, a complaint handling submodule and an after-sales service submodule; The online customer service submodule is configured to perform the following operations: provide real-time online customer service support to answer user questions; The complaint handling submodule is configured to perform the following operations: record and handle user complaints; The after-sales service submodule is configured to perform the following operations: provide after-sales service, including equipment repair and mobile phone return and exchange.

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