Credit-based device rental management system and method thereof

Abstract

The application discloses a credit-based equipment leasing management system and method, and belongs to the technical field of equipment leasing management, and comprises a user end, an equipment management module, an order management module, an order confirmation module, an equipment management and control module and a warning module. The credit rating mechanism is introduced, the traditional 'one-size-fits-all' deposit mode is changed into a dynamic 'full lease' and 'deposit lease' double mode, the credit of a user can be automatically evaluated according to submitted credit proof materials, and a good-credit user is provided with a deposit exemption, so that the leasing threshold and the fund occupation cost of the good-credit user are significantly reduced.

Description

Technical Field

[0001] This invention relates to the field of equipment leasing management technology, and specifically to a credit-based equipment leasing management system and method. Background Technology

[0002] The leasing technology field encompasses various business processes and information systems based on resource allocation, asset management, and the transfer of usage rights. The core of this technology revolves around how to achieve the legal and compliant transfer of equipment or resources between different entities without transferring ownership. It mainly covers aspects such as establishing leasing processes, credit assessment, asset allocation, contract management, risk control, and traceability. This involves the construction of information management platforms, dynamic control of the leasing cycle, information identification and lifecycle recording of leased materials, and integration with third-party service systems such as finance and insurance. The development of this field is characterized by an evolution from manual, offline processing to data-driven automated management systems, showing significant application value, particularly in areas such as IT equipment, vehicles, and construction machinery—assets with high-frequency liquidity.

[0003] Traditional equipment rental management systems employ a uniform, fixed deposit standard for all users, typically requiring high deposits or the full cost of the equipment as collateral. Even users with good credit need to tie up significant funds, raising the rental threshold and costs, resulting in a poor user experience. High deposits alone cannot completely eliminate the risk of malicious default or equipment damage, and may lead to the loss of many potential high-quality customers. Furthermore, the inability to prioritize the allocation of the most stable and popular equipment to users can result in high-value equipment remaining idle, while inferior equipment damages the platform's reputation.

[0004] Based on this, the present invention designs a credit-based equipment leasing management system and method to solve the above problems. Summary of the Invention

[0005] In view of the above-mentioned shortcomings of the existing technology, the present invention provides a credit-based equipment leasing management system and method.

[0006] To achieve the above objectives, the present invention provides the following technical solution:

[0007] A credit-based equipment rental management system includes:

[0008] User side: Used for user registration, recharge, refund, uploading credit proof materials for user credit assessment, uploading rental request materials, receiving rental lists, and full-payment rental contracts or deposit rental contracts. Users receive full-payment rental contracts or deposit rental contracts and sign to confirm.

[0009] Equipment management module: used for equipment status registration, equipment issuance, equipment acceptance, and generating a rental list based on rental needs;

[0010] Order Management Module: Based on the rental list, credit verification materials, and the user's account balance, it intelligently generates a full-payment lease contract or a deposit lease contract and sends the full-payment lease contract or deposit lease contract to the client.

[0011] Order Confirmation Module: Receives the user's signed confirmation of a full-service lease agreement or a deposit lease agreement, then locks the leased equipment specified in the agreement. Next, it checks if the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If so, it sends a lease list to the equipment management module and freezes the amount of the total cost of the full-service lease agreement or deposit lease agreement in the user's account. If not, it prompts the user to pay the difference between the user's account balance and the total cost of the full-service lease agreement or deposit lease agreement. During the contract confirmation period, it monitors the user's account balance in real time to ensure it is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, it sends a lease list to the equipment management module and freezes the amount of the total cost of the full-service lease agreement or deposit lease agreement in the user's account. If not, it terminates the user's signed confirmation of the full-service lease agreement or deposit lease agreement, unlocks the locked leased equipment specified in the agreement, and considers the contract cancelled.

[0012] Equipment management module: used to monitor the operation of equipment under lease status, locate equipment under lease status, and remotely shut down equipment under warning status;

[0013] Early warning module: If a user fails to return the equipment by the end of the lease term, an early warning will be issued and the warning information will be sent to the user terminal and the equipment management module.

[0014] Furthermore, it also includes storage units: used to store operational data, user data, equipment data, and order data of the credit-based equipment rental management system.

[0015] Furthermore, the user interface includes a user registration unit, a material upload unit, a recharge and refund unit, a display unit, and a contract signing unit;

[0016] User registration unit: used for user registration;

[0017] Document Upload Unit: Upload credit verification documents and rental application documents used for user credit assessment;

[0018] Recharge and Refund Unit: Used for user recharges and refunds;

[0019] Signing Unit: Used for users to sign full-ownership lease agreements or deposit lease agreements;

[0020] Display Unit: Used for users to display rental listings and full-payment rental contracts or deposit rental contracts.

[0021] Furthermore, the equipment management module includes: equipment status registration unit, equipment issuance unit, equipment acceptance unit, and lease list generation unit;

[0022] Equipment Status Registration Unit: Used to register equipment status and date statistics;

[0023] Equipment Issuance Unit: Used to issue the corresponding equipment according to the lease list in the full lease agreement or deposit lease agreement after the full lease agreement or deposit lease agreement is confirmed;

[0024] Equipment Acceptance Unit: Used for accepting leased and recycled equipment as well as newly added equipment;

[0025] Rental List Generation Unit: Used to generate a rental list based on rental needs.

[0026] Furthermore, the specific operations for generating the rental list are as follows:

[0027] Step 1: Extract the lease start date, lease end date, type of leased equipment, and quantity from the lease request;

[0028] Step 2: Count the equipment that meets the lease start date and lease type while in the pending lease status; count the equipment that meets the lease type while in the lease status and can be recovered before the lease start date; count the equipment that meets the lease type while in the repair status and can be repaired before the lease start date.

[0029] Step 3: Calculate the equipment's compatibility coefficient based on the number of failures, the number of repeat rentals, and the number of complaints. Sort the compatibility coefficients from highest to lowest, select the equipment that meets the rental quantity requirements from highest to lowest, and generate a rental list.

[0030] Furthermore, the adaptation coefficient is calculated as follows:

[0031]

[0032]

[0033]

[0034] Number of failures; This is the repurchase coefficient. For the number of times the lease is renewed; The number of complaints; This refers to the number of times the equipment is compensated.

[0035] Furthermore, the equipment status includes the status of being available for rental, being rented, being locked, and being under maintenance;

[0036] Dates include the start and end dates of equipment under lease, the next lease start date for equipment in a vacancy state, and the estimated repair date for equipment under maintenance;

[0037] The locked status is the status of the leased equipment specified in the full lease contract or deposit lease contract after the order confirmation module receives the user's signed confirmation, and during the contract confirmation period; after the order confirmation module receives the user's signed confirmation of the full lease contract or deposit lease contract, it locks the leased equipment specified in the full lease contract or deposit lease contract. At this time, the leased equipment specified in the full lease contract or deposit lease contract is in a locked status and cannot be selected again;

[0038] Terminate the full lease agreement or deposit lease agreement signed and confirmed by the user, unlock the leased equipment specified in the full lease agreement or deposit lease agreement, and at this time the equipment status will be "available for lease".

[0039] A management method utilizing a credit-based equipment rental management system includes the following steps:

[0040] Step 1: Users upload their rental requirements materials within the user app;

[0041] Step 2: The equipment management module generates a rental list based on rental requirements;

[0042] Step 3: The order management module intelligently generates a full-payment lease contract or a deposit lease contract based on the rental list, credit proof materials, and the user's account balance, and sends the full-payment lease contract or deposit lease contract to the client.

[0043] Step 4: The user signs and confirms the full-ownership lease agreement or deposit lease agreement on the client, recharges the account, and then sends the signed and confirmed full-ownership lease agreement or deposit lease agreement to the order confirmation module;

[0044] Step 5: The order confirmation module receives the full-price lease contract or deposit lease contract signed and confirmed by the user, and determines whether the user's account balance is greater than or equal to the total cost in the full-price lease contract or deposit lease contract. If the determination is yes, proceed to step 7; if the determination is no, proceed to step 6.

[0045] Step Six: Request the user to pay the difference between the user's account balance and the total cost of the full-service lease agreement or deposit lease agreement. During the contract confirmation period, monitor in real time whether the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, proceed to Step Seven. If the user's account balance is less than the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, terminate the full-service lease agreement or deposit lease agreement signed and confirmed by the user, unlock the leased equipment specified in the locked full-service lease agreement or deposit lease agreement, and consider the contract cancelled.

[0046] Step 7: Send the rental list to the equipment management module and freeze the total amount of the full-payment rental contract or deposit rental contract in the user's account. The equipment management module will then issue the equipment according to the rental list.

[0047] Furthermore, the specific steps for step three are as follows:

[0048] Step 31: Receive the rental list;

[0049] Step 32: Determine whether the user has submitted credit verification materials. If yes, proceed to step 37; if no, proceed to step 33.

[0050] Step 33: Send a no-deposit rental confirmation instruction to the client and determine whether the user's reply instruction is a no-deposit rental. If the determination is yes, proceed to step 34; if the determination is no, proceed to step 36.

[0051] Step 34: Determine if the user's account balance is greater than the total value of the equipment in the rental list. If yes, generate a full lease contract and send it to the client. If no, proceed to step 35.

[0052] Step 35: Calculate the difference between the user's account balance and the total value of the equipment in the rental list, send the difference amount to the client, and then execute step 34;

[0053] Step 36: Send a command to the client to provide supplementary credit verification materials for the user's credit assessment, and then proceed to step 32;

[0054] Step 37: Calculate the user's credit score based on the credit documentation, calculate the deposit amount based on the rental list and the user's credit score, and determine whether the deposit amount is below the threshold. If yes, proceed to step 33; if no, proceed to step 38.

[0055] Step 38: Determine whether the deposit amount is greater than the total value of the equipment in the rental list. If the determination is yes, proceed to step 33. If the determination is no, generate a deposit rental contract and send the deposit rental contract to the client.

[0056] Furthermore, a full lease agreement includes standard terms, the total value of the equipment in the lease list, and the lease list; a deposit lease agreement includes standard terms, the deposit amount, and the lease list.

[0057] Compared to existing technologies, this invention offers the following advantages: By introducing a credit rating mechanism, it transforms the traditional "one-size-fits-all" deposit model into a dynamic dual model of "full-cost leasing" and "deposit leasing." This automatically assesses a user's creditworthiness based on submitted credit documentation and provides deposit reductions for users with good credit, significantly lowering the leasing threshold and capital costs for high-quality users. Simultaneously, for users with unclear or poor credit, the full-cost leasing model effectively safeguards platform assets, achieving an optimal balance between risk control and user experience. Furthermore, users who do not wish to provide credit documentation can directly utilize the full-cost leasing contract logic, improving work efficiency and operational flexibility. This invention prioritizes recommending stable and reliable equipment to users, which not only reduces the risk of malfunctions during the leasing period and increases user satisfaction but also improves the turnover rate and overall utilization rate of high-value equipment through optimized equipment scheduling. This application introduces a "device lock-in" and "funds freeze" mechanism after contract signing and before equipment delivery, along with a contract confirmation period, to ensure the authenticity of user intentions and prevent malicious equipment occupation. Simultaneously, real-time monitoring of account balances ensures platform payment security, forming a rigorous closed-loop management process. The user credit data, equipment operation data, and leasing behavior data accumulated in this application can provide data support for subsequent optimization of pricing strategies, equipment procurement, and risk assessment, enabling trustworthy transactions. Attached Figure Description

[0058] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the accompanying drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are merely some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without any creative effort.

[0059] Figure 1 This is a flowchart of the present invention. Detailed Implementation

[0060] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of the present invention. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative effort are within the scope of protection of the present invention.

[0061] Example 1: In some embodiments, please refer to the accompanying drawings. Figure 1 A credit-based equipment rental management system includes:

[0062] User side: Used for user registration, recharge, refund, uploading credit proof materials for user credit assessment, uploading rental request materials, receiving rental lists, and full-payment rental contracts or deposit rental contracts. Users receive full-payment rental contracts or deposit rental contracts and sign to confirm.

[0063] Equipment management module: used for equipment status registration, equipment issuance, equipment acceptance, and generating a rental list based on rental needs;

[0064] Order Management Module: Based on the rental list, credit verification materials, and the user's account balance, it intelligently generates a full-payment lease contract or a deposit lease contract and sends the full-payment lease contract or deposit lease contract to the client.

[0065] Order Confirmation Module: Receives the user's signed confirmation of a full-service lease agreement or a deposit lease agreement, then locks the leased equipment specified in the agreement. Next, it checks if the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If so, it sends a lease list to the equipment management module and freezes the amount of the total cost of the full-service lease agreement or deposit lease agreement in the user's account. If not, it prompts the user to pay the difference between the user's account balance and the total cost of the full-service lease agreement or deposit lease agreement. During the contract confirmation period, it monitors the user's account balance in real time to ensure it is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, it sends a lease list to the equipment management module and freezes the amount of the total cost of the full-service lease agreement or deposit lease agreement in the user's account. If not, it terminates the user's signed confirmation of the full-service lease agreement or deposit lease agreement, unlocks the locked leased equipment specified in the agreement, and considers the contract cancelled.

[0066] Equipment management module: used to monitor the operation of equipment under lease status, locate equipment under lease status, and remotely shut down equipment under warning status;

[0067] Early warning module: If a user fails to return the equipment by the end of the lease term, an early warning will be issued and the warning information will be sent to the user terminal and the equipment management module.

[0068] This application introduces a credit rating mechanism, transforming the traditional "one-size-fits-all" deposit model into a dynamic dual-mode of "full-owned leasing" and "deposit leasing." It automatically assesses users' creditworthiness based on submitted credit documentation and offers deposit reductions to users with good credit, significantly lowering the leasing threshold and capital occupation costs for high-quality users. Simultaneously, for users with unclear or poor credit, the full-owned leasing model effectively protects platform asset security, achieving an optimal balance between risk control and user experience. Furthermore, users who do not wish to provide credit documentation can directly use the full-owned leasing contract logic, improving work efficiency and operational flexibility. This application prioritizes recommending stable and reliable equipment to users, which not only reduces the risk of malfunctions during the leasing period and improves user satisfaction but also increases the turnover rate and overall utilization rate of high-value equipment through optimized equipment scheduling. This application introduces "equipment locking" and "funds freezing" mechanisms after contract signing and before equipment distribution, and sets a contract confirmation period to ensure the authenticity of user intentions and prevent malicious equipment occupation. At the same time, real-time monitoring of account balances ensures the security of platform payments, forming a rigorous closed-loop management process. The user credit data, equipment operation data, and leasing behavior data accumulated in this application can provide data support for subsequent optimization of pricing strategies, equipment procurement, and risk assessment, thereby enabling trustworthy transactions.

[0069] Credit verification materials include corporate credit verification materials or personal credit verification materials;

[0070] Corporate credit verification materials: such as Ant Financial's corporate credit score or Tencent's Penguin Credit Score;

[0071] Personal credit verification materials: such as Sesame Credit score or WeChat Credit score.

[0072] It also includes a storage unit for storing operational data, user data, equipment data, and order data of the credit-based equipment rental management system.

[0073] The user end can be an app or a WeChat mini-program.

[0074] The user interface includes a user registration unit, a document upload unit, a recharge and refund unit, a display unit, and a contract signing unit;

[0075] User registration unit: used for user registration;

[0076] Document Upload Unit: Upload credit verification documents and rental application documents used for user credit assessment;

[0077] Recharge and Refund Unit: Used for user recharges and refunds;

[0078] Signing Unit: Used for users to sign full-ownership lease agreements or deposit lease agreements;

[0079] Display Unit: Used for users to display rental listings and full-payment rental contracts or deposit rental contracts.

[0080] The leasing requirements include the lease start date, lease end date, type of equipment to be leased, and quantity to be leased.

[0081] Equipment Management Module: Equipment Status Registration Unit, Equipment Issuance Unit, Equipment Acceptance Unit, and Rental List Generation Unit;

[0082] Equipment Status Registration Unit: Used to register equipment status and date statistics;

[0083] Equipment Issuance Unit: Used to issue the corresponding equipment according to the lease list in the full lease agreement or deposit lease agreement after the full lease agreement or deposit lease agreement is confirmed;

[0084] Equipment Acceptance Unit: Used for accepting leased and recycled equipment as well as newly added equipment;

[0085] Rental List Generation Unit: Used to generate a rental list based on rental needs.

[0086] The rental list includes the rental start date, rental end date, type of rental equipment, quantity, unit rental price, and total price.

[0087] The specific steps for generating the rental list are as follows:

[0088] Step 1: Extract the lease start date, lease end date, type of leased equipment, and quantity from the lease request;

[0089] Step 2: Count the equipment that meets the lease start date and lease type while in the pending lease status; count the equipment that meets the lease type while in the lease status and can be recovered before the lease start date; count the equipment that meets the lease type while in the repair status and can be repaired before the lease start date.

[0090] Step 3: Calculate the equipment's compatibility coefficient based on the number of failures, the number of repeat rentals, and the number of complaints. Sort the compatibility coefficients from highest to lowest, select the equipment that meets the rental quantity requirements from highest to lowest, and generate a rental list.

[0091] The adaptation coefficient is calculated as follows:

[0092]

[0093]

[0094]

[0095] Number of failures; This is the repurchase coefficient. For the number of times the lease is renewed; For the number of complaints; This refers to the number of times the equipment is compensated.

[0096] Equipment status includes available for rent, rented, locked, and under maintenance.

[0097] The equipment must be in a state of normal acceptance or normal maintenance before it is leased;

[0098] The locked status is the status of the leased equipment specified in the full lease contract or deposit lease contract after the order confirmation module receives the user's signed confirmation, and during the contract confirmation period; after the order confirmation module receives the user's signed confirmation of the full lease contract or deposit lease contract, it locks the leased equipment specified in the full lease contract or deposit lease contract. At this time, the leased equipment specified in the full lease contract or deposit lease contract is in a locked status and cannot be selected again;

[0099] Terminate the full lease agreement or deposit lease agreement signed and confirmed by the user, unlock the leased equipment specified in the full lease agreement or deposit lease agreement, and at this time the equipment status is ready for lease.

[0100] Dates include the start and end dates of equipment in a leased state, the start date of the next lease for equipment in a vacant lease state, and the estimated repair date for equipment in a maintenance state.

[0101] A management method comprising the following steps:

[0102] Step 1: Users upload their rental requirements materials within the user app;

[0103] Step 2: The equipment management module generates a rental list based on rental requirements;

[0104] Step 3: The order management module intelligently generates a full-payment lease contract or a deposit lease contract based on the rental list, credit proof materials, and the user's account balance, and sends the full-payment lease contract or deposit lease contract to the client.

[0105] Step 4: The user signs and confirms the full-ownership lease agreement or deposit lease agreement on the client, recharges the account, and then sends the signed and confirmed full-ownership lease agreement or deposit lease agreement to the order confirmation module;

[0106] Step 5: The order confirmation module receives the full lease agreement or deposit lease agreement signed and confirmed by the user, and determines whether the user's account balance is greater than or equal to the total cost in the full lease agreement or deposit lease agreement. If the determination is yes, proceed to step 7; if the determination is no, proceed to step 6.

[0107] Step Six: Request the user to pay the difference between the user's account balance and the total cost of the full-service lease agreement or deposit lease agreement. During the contract confirmation period, monitor in real time whether the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, proceed to Step Seven. If the user's account balance is less than the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, terminate the full-service lease agreement or deposit lease agreement signed and confirmed by the user, unlock the leased equipment specified in the locked full-service lease agreement or deposit lease agreement, and consider the contract cancelled.

[0108] Step 7: Send the rental list to the equipment management module and freeze the total amount of the full-payment rental contract or deposit rental contract in the user's account. The equipment management module will then issue the equipment according to the rental list.

[0109] The contract confirmation period is 12 hours.

[0110] Step three involves the following steps:

[0111] Step 31: Receive the rental list;

[0112] Step 32: Determine whether the user has submitted credit verification materials. If yes, proceed to step 37; if no, proceed to step 33.

[0113] Step 33: Send a no-deposit rental confirmation instruction to the client and determine whether the user's reply instruction is a no-deposit rental. If the determination is yes, proceed to step 34; if the determination is no, proceed to step 36.

[0114] Step 34: Determine if the user's account balance is greater than the total value of the equipment in the rental list. If yes, generate a full lease contract and send it to the client. If no, proceed to step 35.

[0115] Step 35: Calculate the difference between the user's account balance and the total value of the equipment in the rental list, send the difference amount to the client, and then execute step 34;

[0116] Step 36: Send a command to the client to provide supplementary credit verification materials for the user's credit assessment, and then proceed to step 32;

[0117] Step 37: Calculate the user's credit score based on the credit documentation, calculate the deposit amount based on the rental list and the user's credit score, and determine whether the deposit amount is below the threshold. If yes, proceed to step 33; if no, proceed to step 38.

[0118] Step 38: Determine whether the deposit amount is greater than the total value of the equipment in the rental list. If the determination is yes, proceed to step 33. If the determination is no, generate a deposit rental contract and send the deposit rental contract to the client.

[0119] Enables the generation of smart contracts of the type of wholly-owned lease or deposit lease.

[0120] The threshold is 30% of the total value of the equipment in the lease list.

[0121] A full lease agreement includes standard terms, the total value of the equipment listed in the lease list, and the lease list itself.

[0122] A deposit rental agreement includes standard terms, deposit amount, and rental list.

[0123] Deposit amount

[0124]

[0125]

[0126]

[0127] For the first The unit price of each leased piece of equipment; For user credit score; The total credit score for credit verification materials; The credit score for the user's credit verification materials; As a penalty indicator for leasing results; The number of times a lease agreement is cancelled is considered a user-funded lease agreement or a deposit-based lease agreement. The total number of fully funded lease agreements or deposit lease agreements signed and confirmed by the user;

[0128] For the number of rental days, This refers to the actual number of days used. This covers maintenance costs incurred by the user during previous rentals. This represents the total cost incurred by the user in previous rentals.

[0129] Sesame Credit Score A score of 950 in WeChat credit score. The score is 950.

[0130] Ant Financial's corporate credit score It has a score of 1000 and a Tencent Penguin Credit Score of 100.

[0131] The above embodiments are only used to illustrate the technical solutions of the present invention, and are not intended to limit it. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions will not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A credit-based equipment rental management system, characterized in that: include: User side: Used for user registration, recharge, refund, uploading credit proof materials for user credit assessment, uploading rental request materials, receiving rental lists, and full-payment rental contracts or deposit rental contracts. Users receive full-payment rental contracts or deposit rental contracts and sign to confirm. Equipment management module: used for equipment status registration, equipment issuance, equipment acceptance, and generating a rental list based on rental needs; Order Management Module: Based on the rental list, credit verification materials, and the user's account balance, it intelligently generates a full-payment lease contract or a deposit lease contract and sends the full-payment lease contract or deposit lease contract to the client. Order Confirmation Module: Receives the user's signed confirmation of a full-service lease agreement or a deposit lease agreement, then locks the leased equipment specified in the agreement. Next, it checks if the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If so, it sends a lease list to the equipment management module and freezes the amount of the total cost of the full-service lease agreement or deposit lease agreement in the user's account. If not, it prompts the user to pay the difference between the user's account balance and the total cost of the full-service lease agreement or deposit lease agreement. During the contract confirmation period, it monitors the user's account balance in real time to ensure it is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, it sends a lease list to the equipment management module and freezes the amount of the total cost of the full-service lease agreement or deposit lease agreement in the user's account. If not, it terminates the user's signed confirmation of the full-service lease agreement or deposit lease agreement, unlocks the locked leased equipment specified in the agreement, and considers the contract cancelled. Equipment management module: used to monitor the operation of equipment under lease status, locate equipment under lease status, and remotely shut down equipment under warning status; Early warning module: If a user fails to return the equipment by the end of the lease term, an early warning will be issued and the warning information will be sent to the user terminal and the equipment management module.

2. The credit-based equipment leasing management system according to claim 1, characterized in that, It also includes a storage unit for storing operational data, user data, equipment data, and order data of the credit-based equipment rental management system.

3. The credit-based equipment leasing management system according to claim 2, characterized in that, The user interface includes a user registration unit, a document upload unit, a recharge and refund unit, a display unit, and a contract signing unit; User registration unit: used for user registration; Document Upload Unit: Upload credit verification documents and rental application documents used for user credit assessment; Recharge and Refund Unit: Used for user recharges and refunds; Signing Unit: Used for users to sign full-ownership lease agreements or deposit-based lease agreements; Display Unit: Used for users to display rental listings and full-payment rental contracts or deposit rental contracts.

4. The credit-based equipment leasing management system according to claim 3, characterized in that, Equipment Management Module: Equipment Status Registration Unit, Equipment Issuance Unit, Equipment Acceptance Unit, and Rental List Generation Unit; Equipment Status Registration Unit: Used to register equipment status and date statistics; Equipment Issuance Unit: Used to issue the corresponding equipment according to the lease list in the full lease agreement or deposit lease agreement after the full lease agreement or deposit lease agreement is confirmed; Equipment Acceptance Unit: Used for accepting leased and recycled equipment as well as newly added equipment; Rental List Generation Unit: Used to generate a rental list based on rental needs.

5. The credit-based equipment leasing management system according to claim 4, characterized in that, The specific steps for generating the rental list are as follows: Step 1: Extract the lease start date, lease end date, type of leased equipment, and quantity from the lease request; Step 2: Count the equipment that meets the lease start date and lease type while in the pending lease status; count the equipment that meets the lease type while in the lease status and can be recovered before the lease start date; count the equipment that meets the lease type while in the repair status and can be repaired before the lease start date. Step 3: Calculate the equipment's compatibility coefficient based on the number of failures, the number of repeat rentals, and the number of complaints. Sort the compatibility coefficients from highest to lowest, select the equipment that meets the rental quantity requirements from highest to lowest, and generate a rental list.

6. The credit-based equipment leasing management system according to claim 5, characterized in that, The adaptation coefficient is calculated as follows: ； ； ； Number of failures; This is the repurchase coefficient. For the number of times the lease is renewed; For the number of complaints; This refers to the number of times the equipment is compensated.

7. The credit-based equipment leasing management system according to claim 6, characterized in that, Equipment status includes available for rent, rented, locked, and under maintenance. Dates include the start and end dates of equipment under lease, the next lease start date for equipment in a vacancy state, and the estimated repair date for equipment under maintenance; The locked status is the status of the leased equipment specified in the full-ownership lease contract or deposit lease contract after the order confirmation module receives the user's signed confirmation and during the contract confirmation period; The order confirmation module receives the full lease agreement or deposit lease agreement signed and confirmed by the user, and then locks the leased equipment specified in the full lease agreement or deposit lease agreement. At this time, the leased equipment specified in the full lease agreement or deposit lease agreement is in a locked state and cannot be selected again. Terminate the full lease agreement or deposit lease agreement signed and confirmed by the user, unlock the leased equipment specified in the full lease agreement or deposit lease agreement, and at this time the equipment status will be "available for lease".

8. A management method, utilizing the credit-based equipment leasing management system of claim 7, characterized in that, Includes the following steps: Step 1: Users upload their rental requirements materials within the user app; Step 2: The equipment management module generates a rental list based on rental requirements; Step 3: The order management module intelligently generates a full-payment lease contract or a deposit lease contract based on the rental list, credit proof materials, and the user's account balance, and sends the full-payment lease contract or deposit lease contract to the client. Step 4: The user signs and confirms the full-ownership lease agreement or deposit lease agreement on the client, recharges the account, and then sends the signed and confirmed full-ownership lease agreement or deposit lease agreement to the order confirmation module; Step 5: The order confirmation module receives the full-price lease contract or deposit lease contract signed and confirmed by the user, and determines whether the user's account balance is greater than or equal to the total cost in the full-price lease contract or deposit lease contract. If the determination is yes, proceed to step 7; if the determination is no, proceed to step 6. Step Six: Request the user to pay the difference between the user's account balance and the total cost of the full-service lease agreement or deposit lease agreement. During the contract confirmation period, monitor in real time whether the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement. If the user's account balance is greater than or equal to the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, proceed to Step Seven. If the user's account balance is less than the total cost of the full-service lease agreement or deposit lease agreement during the contract confirmation period, terminate the full-service lease agreement or deposit lease agreement signed and confirmed by the user, unlock the leased equipment specified in the locked full-service lease agreement or deposit lease agreement, and consider the contract cancelled. Step 7: Send the rental list to the equipment management module and freeze the total amount of the full-payment rental contract or deposit rental contract in the user's account. The equipment management module will then issue the equipment according to the rental list.

9. The management method according to claim 8, characterized in that, Step three involves the following steps: Step 31: Receive the rental list; Step 32: Determine whether the user has submitted credit verification materials. If yes, proceed to step 37; if no, proceed to step 33. Step 33: Send a no-deposit rental confirmation instruction to the client and determine whether the user's reply instruction is a no-deposit rental. If the determination is yes, proceed to step 34; if the determination is no, proceed to step 36. Step 34: Determine if the user's account balance is greater than the total value of the equipment in the rental list. If yes, generate a full lease contract and send it to the client. If no, proceed to step 35. Step 35: Calculate the difference between the user's account balance and the total value of the equipment in the rental list, send the difference amount to the client, and then execute step 34; Step 36: Send a command to the client to provide supplementary credit verification materials for the user's credit assessment, and then proceed to step 32; Step 37: Calculate the user's credit score based on the credit documentation, calculate the deposit amount based on the rental list and the user's credit score, and determine whether the deposit amount is below the threshold. If yes, proceed to step 33; if no, proceed to step 38. Step 38: Determine whether the deposit amount is greater than the total value of the equipment in the rental list. If the determination is yes, proceed to step 33. If the determination is no, generate a deposit rental contract and send the deposit rental contract to the client.

10. The management method according to claim 1, characterized in that, A full lease agreement includes standard terms, the total value of the equipment in the lease list, and the lease list; a deposit lease agreement includes standard terms, the deposit amount, and the lease list.

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