Crowdsourcing channel-oriented house rental business processing method, device, medium and product

Abstract

The embodiment of the application relates to the technical field of real estate development, and discloses a house leasing business processing method and device for a crowdsourcing channel, a medium and a product. The method comprises the following steps: generating a check-in form according to a check-in request; the check-in form is used to display differentiated information and sensitive operation permissions; determining check-in subject information according to the check-in form; obtaining a multi-factor authentication result according to the check-in subject information; the multi-factor authentication is used to perform differentiated authentication on different check-in subjects; determining a corresponding business terminal according to the multi-factor authentication result; and distributing the check-in subject information to the business terminal for business processing and generating business processing data.

Description

Technical Field

[0001] This application relates to the field of real estate development technology, and in particular to a method, equipment, medium and product for processing housing rental business through crowdsourcing channels. Background Technology

[0002] With the development of the sharing economy, the customer acquisition model in the housing rental industry is shifting from traditional dedicated intermediaries to social crowdsourcing. Crowdsourcing participants include diverse groups such as college students, community security guards, and social media bloggers, exhibiting characteristics of fragmentation, lack of professionalism, and high mobility. Existing housing rental management systems are primarily designed for internal employees and face significant technical bottlenecks when handling social crowdsourcing operations.

[0003] 1. Lack of Interaction Standards: Current crowdsourcing customer acquisition heavily relies on third-party social platforms to transmit unstructured information. External crowdsourcing channels and internal management systems lack unified standardized intervention protocols, making it difficult to synchronize property status and customer data in real time, resulting in low viewing success rates and high communication costs. 2. Inadequate Risk Control Mechanisms: Identity verification relies on offline manual checks, which can easily lead to false reporting. Furthermore, management systems often use hard-coded static entry interfaces, failing to collect differentiated information and verify compliance across different channels. 3. Low Level of Automation: Reliance on manual task allocation and settlement makes it difficult for crowdsourcing participants to track progress. 4. Inadequate Privacy Protection: Sensitive data, such as landlord contact information and the personal privacy data of crowdsourcing participants, is easily leaked. Summary of the Invention

[0004] One objective of this application is to provide a method for processing housing rental business through crowdsourcing channels, which at least addresses the current technical problems of crowdsourcing businesses, such as the lack of interaction standards, the absence of risk control mechanisms, low levels of automation, and inadequate privacy protection.

[0005] To achieve the above objectives, some embodiments of this application provide the following aspects:

[0006] In a first aspect, some embodiments of this application provide a method for processing housing rental business through crowdsourcing channels. The method includes: generating an entry form based on an entry request; the entry form is used to display differentiated information and sensitive operation permissions; determining entry entity information based on the entry form; obtaining multi-factor authentication results based on the entry entity information; the multi-factor authentication is used to perform differentiated authentication for different entry entities; determining the corresponding business terminal based on the multi-factor authentication results; allocating the entry entity information to the business terminal for business processing, and generating business processing data.

[0007] Secondly, some embodiments of this application also provide an electronic device, a cloud training paradigm, in which all raw data is uploaded to the cloud for unified training, which facilitates centralized management. The electronic device includes: one or more processors; and a memory storing computer program instructions, which, when executed, cause the processor to perform the steps of the method described above.

[0008] Thirdly, some embodiments of this application also provide a computer-readable medium having computer program instructions stored thereon, which can be executed by a processor to implement the method described above.

[0009] Fourthly, some embodiments of this application also provide a computer program product, including a computer program / instructions that, when executed by a processor, implement the steps of the method described above.

[0010] Compared with related technologies, the solution provided in this application generates differentiated entry forms based on the crowdsourcing information carried in the entry request, ensuring accurate information collection and enabling targeted processing and differentiated permission settings for information sources from different channels. The entry form undergoes dual verification to obtain the entry entity information, improving the credibility of crowdsourcing information sources and enabling one-stop access to multiple types of external channels, solving the technical problems of data heterogeneity and cumbersome access. Multi-factor authentication is performed to automate identity verification, improving authentication compliance and efficiency. The corresponding business of the entry entity that has passed multi-factor authentication is sent to the corresponding business terminal, enabling seamless access of external data to the internal system, and then completing a series of business processing tasks within the internal system, achieving real-time tracking of the entire process. Attached Figure Description

[0011] One or more embodiments are illustrated by way of example with reference numerals in the accompanying drawings. These illustrations do not constitute a limitation on the embodiments. Elements with the same reference numerals in the drawings are denoted as similar elements. Unless otherwise stated, the figures in the drawings are not to be limited by scale.

[0012] Figure 1 An exemplary flowchart illustrating a method for processing housing rental transactions via a crowdsourcing channel, provided for some embodiments of this application;

[0013] Figure 2 A schematic diagram of a system architecture for processing housing rental business via crowdsourcing channels is provided for some embodiments of this application;

[0014] Figure 3 This is a schematic diagram of an electronic device structure provided for some embodiments of this application. Detailed Implementation

[0015] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0016] like Figure 1 As shown in the figure, this application embodiment relates to a method for processing housing rental business through crowdsourcing channels, the method may include the following steps:

[0017] Step S1: Generate an entry form based on the entry request; the entry form is used to display differentiated information and sensitive operation permissions.

[0018] Step S2: Determine the registration entity information based on the registration form;

[0019] Step S3: Obtain multi-factor authentication results based on the information of the registered entities; the multi-factor authentication is used to perform differentiated authentication for different registered entities.

[0020] Step S4: Determine the corresponding business terminal based on the multi-factor authentication results;

[0021] Step S5: Assign the registered entity information to the business terminal for business processing and generate business processing data.

[0022] Specifically, for steps S1-S2, external entities needing to join can initiate a joining request through the unified access gateway. This can be done via WeChat Mini Program entry, one-stop access for individuals or enterprises, or the platform's SaaS API. This step does not generate a static page. The gateway parses the joining request to obtain the necessary information for the joining form, automatically identifies whether the channel type is individual or enterprise, and generates the corresponding joining form by limiting the fields and sensitive operation permissions for different channel types.

[0023] Regarding step S2, after generating the entry form, data validation can be performed. Specifically, the form data submitted by the external entities that need to join is structured and its legality is determined. After the data validation is passed, the obtained entry entity information is stored in the standardized business database, and the entry process is completed.

[0024] For step S3, the information of the entity entering the platform can include attributes such as channel type, region, and qualification level, which are used to match the corresponding authentication interface for multi-factor authentication. Multi-factor authentication is used to conduct differentiated authentication for different entities entering the platform. For example, corporate entities can undergo corporate qualification verification and legal person real-name authentication, while individual entities can undergo credit risk assessment or facial recognition authentication. This step can record the authentication process to ensure the compliance of the authentication results.

[0025] For step S4, once the multi-factor authentication result is passed, the resource integration and business workflow stage begins. Specifically, a data encapsulation and adaptation protocol can be used to convert non-standardized data from external channels, such as customer and property information, into data structure objects compatible with the enterprise's internal business bus. These data structure objects contain the necessary information for the business process and can be seamlessly accepted by various departments on the platform. Based on the attribute information contained in the onboarding entity's information, the platform can automatically identify its applicable business management scope and transfer the encapsulated data structure object to the corresponding business processing terminal.

[0026] For example, an onboarding request initiated through the WeChat mini-program port contains information such as nickname, WeChat ID, and phone number. However, the data structure compatible with the enterprise's internal business bus only requires the WeChat ID and phone number. Therefore, by creating an instance of the customer data structure object, assigning the WeChat ID and phone number, and generating a unique customer identifier, this customer instance can be incorporated into the bus for business flow and processing.

[0027] Regarding step S5, after receiving the information of the registered entity, the business terminal officially starts the housing rental business. The results and process logs generated in the process of completing the housing rental-related tasks can be used as business processing data.

[0028] Compared with related technologies, the solution provided in this application generates differentiated entry forms based on the crowdsourcing information carried in the entry request, ensuring accurate information collection and enabling targeted processing and differentiated permission settings for information sources from different channels. The entry form undergoes dual verification to obtain the entry entity information, improving the credibility of crowdsourcing information sources and enabling one-stop access to multiple types of external channels, solving the technical problems of data heterogeneity and cumbersome access. Multi-factor authentication is performed to automate identity verification, improving authentication compliance and efficiency. The corresponding business of the entry entity that has passed multi-factor authentication is sent to the corresponding business terminal, enabling seamless access of external data to the internal system, and then completing a series of business processing tasks within the internal system, achieving real-time tracking of the entire process.

[0029] In one embodiment, generating the registration form based on the registration request includes:

[0030] Parse the encrypted string contained in the request header of the onboarding request to obtain the inviter's identification code, channel type, and region;

[0031] Configure the database according to the inviter identification code query rules to obtain system configuration information;

[0032] Based on the system configuration information and the channel type, a rendering list is determined; the rendering list is used to define the information items to be rendered and to define the sensitive operation permissions.

[0033] The entry form is generated based on the rendered list.

[0034] Specifically, the encrypted string is extracted and decrypted from the HTTP request header. The inviter identification code is used to determine the source. The channel type is divided into individuals and enterprises. The region represents the city where the entity is located. This approach separates the identity identifier from the business data, increasing the confidentiality of data transmission.

[0035] The database is configured using the inviter's identification code query rules to obtain the template corresponding to the identification code as system configuration information. Based on the obtained system configuration information and channel type, a JSON rendering list is generated, which specifies the fields to be filled in and the buttons for sensitive information that need to be hidden. The rendering engine then generates the onboarding form displayed to the onboarding entity based on the rendering list.

[0036] Specifically, when the channel type is a personal channel, the rendering list includes a personal de-identified information field, and the sensitive operation permission is to modify the personal de-identified information field; when the channel type is an enterprise, the rendering list includes an enterprise attribute field, and the sensitive operation permission is to block de-identified information.

[0037] In this embodiment, sensitive data from different channels is effectively isolated. While enabling external crowdsourcing collaboration, physical isolation and logical access control solve the long-standing technical risks of housing data and personal privacy leakage in the industry.

[0038] In one embodiment, determining the registration entity information based on the registration form includes:

[0039] Compare the entry form with the standardized business database to check for data conflicts, and perform consistency verification based on the conflict results;

[0040] Compare the entry form and the SDK parsing results to check for data forgery, and verify the authenticity based on the forgery detection results;

[0041] After both the consistency check and the authenticity check pass, the information of the entity to be registered is determined based on the format verification results and legality verification results of the mobile phone number, unified social credit code, and qualification documents.

[0042] Specifically, the standardized business database stores historical registration forms to determine whether the current registrant is a returning user or whether their submitted information conflicts with existing data. Consistency checks focus on identifying duplicate content; if a phone number or company name already exists in the standardized business database, it is considered a data conflict.

[0043] SDK parsing results refer to baseline data directly obtained from the underlying platform. For example, when registering using a WeChat Mini Program, the system retrieves an encrypted phone number through the WeChat SDK, which is evidence that cannot be manually tampered with by the registering entity. Real-money verification focuses on verifying identity; if the form content filled in by the user is inconsistent with the SDK parsing results, it is marked as data forgery.

[0044] After both consistency and authenticity checks pass, specific fields are validated. This includes verifying the legality of the Unified Social Credit Code, the compliance of the mobile phone number with regulations, and the completeness, clarity, and validity of the qualification documents. Once all checks pass, the onboarding entity information is obtained, completing the onboarding process.

[0045] In this embodiment, a highly reliable identity access foundation is established by introducing a dual verification mechanism. This not only physically eliminates forged reports and fraudulent registration, but also enables plug-and-play, one-stop access to heterogeneous external channels of various types and regions through standardized data mapping and registration processes. This significantly reduces the access threshold and technical complexity for external data to flow into the internal management system.

[0046] In one embodiment, obtaining the multi-factor authentication result based on the registered entity information includes:

[0047] Based on the region and channel type in the information of the entity that has joined the platform, obtain the corresponding regional authentication policy configuration; the regional authentication policy configuration includes at least a third-party authentication interface;

[0048] Based on the regional authentication strategy configuration, an authentication chain including hierarchical multi-factor verification is determined;

[0049] The authentication process is performed based on the authentication chain, and the entire authentication process data is written to the distributed traceability log chain to obtain the multi-factor authentication result.

[0050] Specifically, the regional authentication policy configuration is a set of rule templates stored in the backend, defining the legal compliance requirements for different regions. For example, some cities require businesses to verify their identity through local government interfaces, while other regions only require basic real-name authentication. Third-party authentication interfaces can be the Ministry of Public Security's real-name verification interface, bank card number verification interface, or Alibaba Cloud's facial recognition interface. The corresponding verification actions are completed by calling these third-party authentication interfaces.

[0051] It's important to note that third-party authentication interfaces are typically held by various authentication authorities, and the underlying data comes from mobile operators or banks. Companies with management systems usually lack authentication qualifications. Furthermore, each city typically has different enterprise qualification authentication providers, requiring matching and routing based on the city where the entity is located.

[0052] Tiered multi-factor authentication uses various methods to prove identity, such as real-name verification, enterprise qualification verification, facial liveness detection, and SMS verification codes. The authentication chain links multiple verification factors in a logical sequence. For example, if the channel type is an enterprise, the authentication chain is usually enterprise qualification verification → legal representative real-name authentication. If the channel type is an individual, the authentication chain could be trial-free verification → four-factor real-name authentication → three-factor real-name authentication → facial recognition authentication. For high-risk channels or channels located in different regions, operator three-factor verification and risk control audits are automatically added.

[0053] The distributed traceability log chain records the authentication data of all nodes in real time, which is tamper-proof and queryable.

[0054] In this embodiment, relying on the authentication policy routing algorithm, the system can automatically orchestrate and trigger differentiated multi-factor authentication chains based on the dynamic characteristics of the resident entities, achieving automated and refined compliance management of identity verification. Through data adaptation and intelligent allocation algorithms, the lag and high error rate of traditional manual data entry are eliminated, ensuring seamless coupling between external business data and internal management processes. This enables real-time tracking of the entire lifecycle of business progress, significantly improving the collaborative efficiency and transparency of the crowdsourcing customer acquisition ecosystem.

[0055] In one embodiment, determining the corresponding business terminal based on the multi-factor authentication result includes:

[0056] When the multi-factor authentication result is passed, the corresponding business area and organizational level are matched based on the region of the entity information, and an initial set of salespersons is selected.

[0057] Based on the business type, a target set of salespersons matching the corresponding business type is selected from the initial set of salespersons;

[0058] The target salesperson set is prioritized based on the salesperson feature profile to obtain the ranking result;

[0059] The service terminal is determined based on the sorting results.

[0060] Specifically, identifying the business terminal means identifying the salesperson who will follow up on this transaction. Selecting the corresponding business region (city) and organizational level (management or ordinary employee) will retrieve all sales personnel under that node to form an initial set of salespersons.

[0061] Then, the business type is matched for further filtering to obtain the target salesperson set. The business type node can be divided into business categories and sub-businesses. The business category node can include room rental business and room collection business, while the sub-business node can include general business and promotional activity business.

[0062] The system uses salesperson feature profiles to filter the target set of salespeople. Each salesperson's feature profile is a digital label, including but not limited to their sales ability level, blacklist / whitelist status, and priority status. Sales ability can be categorized as excellent, average, or lax. Blacklists / whitelists can be exclusion lists or lists within a specified range. Priority status can be their primary employer or a substitute. Priority ranking is based on a comprehensive score calculated from the salesperson feature parameters, and the salespersons are then ranked according to this comprehensive score.

[0063] For example, if a customer in city A is served by a salesperson in city A, all salespeople enter the initial salesperson set. If the business type is a monthly rental activity in city A, then the salespeople who are further subdivided into the business nodes of the promotional activity are selected as the target salesperson set. The target salesperson set is then prioritized, and the salesperson with the highest priority is selected and the customer information is assigned to that salesperson.

[0064] In this embodiment, as Figure 2 As shown, this embodiment can be performed within a multi-layered identity authentication and traceability module. By using salesperson feature profiles, the system ensures that the most suitable person handles the business they are best at. Prioritization considers the real-time status of the salesperson, ensuring that external crowdsourcing information receives an immediate response. External crowdsourcing information is no longer fragmented WeChat text; instead, after authentication and verification, it is directly pushed as a structured task to the selected salesperson's terminal. This automated assignment significantly reduces communication costs and solves the problems of low success rates and high communication costs associated with showroom visits.

[0065] In one embodiment, after determining the service terminal, the method further includes:

[0066] During the business process, a state machine-driven approach is adopted to match predefined business states; wherein, the business states include at least one of the following: pending allocation, allocated, showing, transaction completed, and invalid.

[0067] State change events are generated based on state changes, and these state change events are streamed into the flow trajectory library to retain business flow trajectory data in real time.

[0068] Based on the state machine, state change events are generated in real time and streamed into the flow trajectory library to retain full-process business trajectory data.

[0069] Specifically, the state machine-driven approach stipulates that business processes can only move along preset paths. For example, the state can only jump from "assigned" to "showing," and cannot jump directly to "closed," to prevent confusion in the business process. "Pending assignment" and "assigned" indicate the stage where an internal salesperson has been identified to take over the business; "showing" indicates the execution stage where the salesperson shows the client a property; and "closed" or "failed" indicates the focus of the business process.

[0070] After a business status change is successful, a status change event is generated. The status change event includes at least the salesperson ID, the starting status, the target status, and the geographic location timestamp. The status change event is streamed and stored in the flow trajectory library, ensuring no human intervention and no status loss throughout the process.

[0071] In this embodiment, as Figure 2 As shown, this embodiment can be performed in the resource integration and business workflow module. Once the business terminal is identified, the subsequent processing path of the entire business becomes unique and clear. Based on the terminal's operational feedback, the real-time status can be pushed back to the crowdsourcing end, solving the problem of settlement black boxes.

[0072] In one embodiment, after generating the business processing data, the method further includes:

[0073] A bypass reconciliation mechanism is initiated, and three-level asynchronous data verification is performed based on the business processing data to obtain the verification result. The three-level asynchronous data verification includes: order-level verification: performing forward calculation based on the business processing data to obtain a first result, and performing reverse derivation calculation based on payment transaction data to obtain a second result, comparing the consistency between the first result and the second result; account-level verification: performing a balance verification of the income and expenditure data of the corresponding accounts of the registered entity based on a double-entry bookkeeping mechanism; and enterprise-level verification: performing a balance verification of the cash flow between the platform enterprise account and the payment supplier account based on a double-entry bookkeeping mechanism.

[0074] If the verification result is abnormal, an alarm will be triggered.

[0075] If the verification result is normal, then archiving is complete.

[0076] Specifically, the bypass reconciliation mechanism means that reconciliation is not performed in the main business process, but rather asynchronously. Three levels of asynchronous data verification involve detailed verification for each order, item-by-item verification for individual accounts, and overall verification for enterprise accounts. In order-level verification, forward calculation can be used to calculate the commission payable from the monthly rent, with the first result being the commission payable. Reverse calculation can be performed by using the bypass program to reverse the monthly rent by paying the commission, with the second result being the monthly rent. Only when the first and second results are closed can the calculation and payment processes be proven correct. In account-level verification, each change in funds is recorded in two accounts simultaneously, such as an increase in enterprise expenditures and an increase in individual balances, ensuring a balance between income and expenditure. In enterprise-level verification, payment supplier accounts, such as WeChat Pay, Alipay, or bank transfer payment accounts of third-party fund custody platforms, are treated as accounts payable, while the platform enterprise account is treated as accounts receivable. This can be maintained daily to verify the balance between income and expenditure.

[0077] Order-level verification prevents calculation errors. If a salesperson manually modifies the commission rate, causing anomalies in the forward calculation, a discrepancy will occur during reverse derivation, triggering an alarm. Account-level verification checks the virtual wallets of registered entities to ensure that users' funds have not increased or decreased without reason due to database tampering. Enterprise-level verification monitors the overall fund security of the monitoring platform, preventing unauthorized misappropriation of payment channels or unknown channel fee losses.

[0078] In this embodiment, the heavy computational tasks are removed from the real-time transaction chain, ensuring the smooth operation of the housing rental business in high-concurrency scenarios. A three-level verification system constructs a mutually constraining triangular model. An alarm is only triggered when the verification result is abnormal, allowing finance personnel to focus solely on correcting errors, significantly improving management efficiency. Automatic archiving after successful verification provides a authentic and tamper-proof data foundation for subsequent tax filings, judicial evidence collection, and annual audits.

[0079] Furthermore, in one embodiment, after generating the business processing data, the method further includes:

[0080] The rule-based commission calculation engine is invoked to match the regional coefficient corresponding to the region to which the registered entity belongs based on the business processing data.

[0081] Based on the business processing data, a basic commission rate corresponding to the business type is matched; wherein, the business type includes at least one of property grade, rental type, and payment method;

[0082] Commission data is generated based on the regional coefficient and the basic commission ratio.

[0083] Specifically, after a transaction is completed, the rule-based commission calculation engine automatically calculates the commission according to a preset formula, generates commission data, and completes the transaction through a smart matching payment interface.

[0084] like Figure 2 As shown, this embodiment can be implemented in the multi-dimensional automatic commission settlement and intelligent payment module. The regional coefficient is a weighting adjustment factor used to balance regional differences. Operating costs and market activity vary across cities; the regional coefficient for first-tier cities is higher than that for third-tier cities. The base commission rate is a benchmark percentage set for different business difficulties, determined according to the business type dimension. The business type dimension includes property level, rental type, and payment method. Property level can be standard or premium; rental type can be whole-unit rental or shared rental; and payment method can be quarterly, monthly, or annual payment.

[0085] In addition, such as Figure 2 As shown, the overall technical architecture adopts a front-end / back-end separation and microservice architecture, divided into four layers: First, the application layer, responsible for handling communication with external parties, such as a unified channel WeChat mini-program operation entry point, supporting one-stop access for personal / enterprise channels, and the platform SaaS API; second, the business domain layer, which includes a multi-channel onboarding module, a multi-level identity authentication and traceability module, a resource integration and business flow module, and a multi-dimensional automatic commission settlement and intelligent payment module; third, the basic domain layer, used for the integration of various basic capabilities within the platform enterprise, such as review and resource scheduling; and third-party integration scheduling engine; finally, the infrastructure layer, which includes a standardized business database for storing core business entity data, a rule configuration database for storing business rules and commission rates, and standardized third-party access interfaces to ensure that different external suppliers can access the system in a unified manner.

[0086] In this embodiment, the operations team can adjust the commission policy without consulting developers. Regional coefficients and commission ratios are pre-set in the configuration table of the rule-based commission calculation engine, and these parameters can be adjusted based on current activities. Through the multiple overlays of regional coefficients and business types, the system can distinguish the true value of each transaction. High-difficulty, high-value transactions are automatically matched with high incentives, while low-value transactions are matched with standard incentives, maximizing the utilization of the bonus pool. The calculation logic is automatically triggered based on predefined rules. Every commission generated is traceable.

[0087] The steps of the various methods described above are only for clarity. In practice, they can be combined into one step or some steps can be split into multiple steps. As long as they include the same logical relationship, they are all within the scope of protection of this application. Adding insignificant modifications or introducing insignificant designs to the algorithm or process, but without changing the core design of the algorithm and process, are also within the scope of protection of this application.

[0088] It is worth mentioning that all modules involved in the embodiments are logical modules. In practical applications, a logical unit can be a physical unit, a part of a physical unit, or a combination of multiple physical units. Furthermore, to highlight the innovative aspects of this application, this embodiment does not introduce units that are not closely related to solving the technical problems proposed in this application; however, this does not mean that other units do not exist in this embodiment.

[0089] Furthermore, some embodiments of this application also provide an electronic device. The electronic device can be various forms of digital computer, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, etc. The electronic device can also be various forms of mobile devices, such as cellular phones, smartphones, wearable devices, and other similar computing devices.

[0090] The electronic device includes: one or more processors; and a memory storing computer program instructions that, when executed, cause the processor to perform the steps of the methods provided in any one or more of the above embodiments. Figure 3 An exemplary structural diagram of the electronic device is disclosed. The electronic device includes one or more processors 1101, a memory 1102, and interfaces for connecting the components, including high-speed interfaces and low-speed interfaces. The components are interconnected via different buses and can be mounted on a common motherboard or otherwise installed as needed. The processors can process instructions executed within the electronic device, including instructions stored in or on memory to display graphical information of a GUI on an external input / output device (such as a display device coupled to the interface). In some other embodiments, multiple processors and / or multiple buses can be used with multiple memories and multiple memory modules, if desired. Similarly, multiple electronic devices can be connected, each providing some of the necessary operations. The components, their connections and relationships, and their functions shown herein are merely examples and are not intended to limit the implementation of the present application described and / or claimed herein.

[0091] The electronic device may further include an input device 1103 and an output device 1104. The processor 1101, memory 1102, input device 1103 and output device 1104 may be connected by a bus or other means, as shown in the figure, which is connected by a bus.

[0092] Input device 1103 can receive input numerical or character information, and generate key signal inputs related to user settings and function control of the electronic device, such as a touch screen, keypad, mouse, trackpad, touchpad, joystick, one or more mouse buttons, trackball, joystick, etc. Output device 1104 may include a display device, auxiliary lighting device (e.g., LED), and haptic feedback device (e.g., vibration motor). The display device may include, but is not limited to, a liquid crystal display, a light-emitting diode display, and a plasma display. In some embodiments, the display device may be a touch screen.

[0093] To provide interaction with the user, the electronic device can be a computer. The computer has: a display device (e.g., a cathode ray tube or LCD monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse) through which the user provides input to the computer. Other types of devices can also be used to provide interaction with the user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback); and input from the user can be received in any form (e.g., voice input or tactile input).

[0094] In this embodiment, a computer-readable medium stores a computer program / instructions that, when executed by a processor, implement the steps of the methods provided in any one or more of the above embodiments. This computer-readable medium may be included in the electronic device described in the above embodiments; or it may exist independently and not assembled into that device. The aforementioned computer-readable medium carries one or more computer-readable instructions.

[0095] The memory 1102 can serve as a non-transitory computer-readable storage medium, used to store non-transitory software programs, non-transitory computer-executable programs, and modules. The processor 1101 executes various functional applications and data processing of the server by running the non-transitory software programs, instructions, and modules stored in the memory 1102, thereby implementing the program instructions / modules corresponding to the methods provided in any one or more of the embodiments described above in this application.

[0096] The memory 1102 may include a program storage area and a data storage area. The program storage area may store the operating system and applications required for at least one function; the data storage area may store data created based on the use of the electronic device. Furthermore, the memory 1102 may include high-speed random access memory and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid-state storage device. In some embodiments, the memory 1102 may optionally include memory remotely located relative to the processor 1101, and these remote memories can be connected to the electronic device via a network. Examples of such networks include, but are not limited to, the Internet, intranets, local area networks, mobile communication networks, and combinations thereof.

[0097] It should be noted that the computer-readable medium described in this application can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. Computer-readable media can be, for example, but not limited to, electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatuses, or devices, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, electrical connections having one or more wires, portable computer disks, hard disks, random access memory, read-only memory, erasable programmable read-only memory, optical fibers, portable compact disk read-only memory, optical storage devices, magnetic storage devices, or any suitable combination thereof. In this application, a computer-readable medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.

[0098] Computer-readable media include permanent and non-permanent, removable and non-removable media, which can store information by any method or technology. Information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase-change memory, static random access memory, dynamic random access memory, other types of random access memory, read-only memory, electrically erasable programmable read-only memory, flash memory or other memory technologies, read-only optical discs, digital versatile optical discs or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transfer medium that can be used to store information accessible by a computing device.

[0099] Computer program code for performing the operations of this application can be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, and C++, and conventional procedural programming languages ​​such as C or similar languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network—including local area networks (LANs) or wide area networks (WANs), or it can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0100] In the above embodiments, all or part of the implementation can be achieved through software, hardware, firmware, or any combination thereof. For example, it can be implemented using an application-specific integrated circuit (ASIC), a general-purpose computer, or any other similar hardware device. In some embodiments, the software program of this application can be executed by a processor to implement the above steps or functions. Similarly, the software program of this application (including related data structures) can be stored in a computer-readable recording medium, such as RAM memory, magnetic or optical drives, floppy disks, and similar devices. In addition, some steps or functions of this application can be implemented in hardware, for example, as circuitry that cooperates with a processor to perform the various steps or functions.

[0101] The computer program product provided in this application includes one or more computer programs / instructions. When executed by a processor, these computer programs / instructions generate, in whole or in part, the processes or functions described in this application. The computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions may be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, digital subscriber line) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium may be any available medium that a computer can access or a data storage device such as a server or data center that integrates one or more available media. The available medium may be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid-state drive), etc.

[0102] The flowcharts or block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of devices, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, may be implemented using a dedicated hardware-specific system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0103] The scope of this application is defined by the appended claims rather than the foregoing description, and is therefore intended to encompass all variations falling within the meaning and scope of equivalents of the claims. No reference numerals in the claims should be construed as limiting the scope of the claims. Furthermore, it is clear that the word "comprising" does not exclude other elements or steps, and the singular does not exclude the plural. Terms such as "first," "second," etc., are used only to distinguish descriptions and do not indicate any particular order, nor should they be construed as indicating or implying relative importance.

[0104] The above description is merely a specific embodiment of this application, but the scope of protection of this application is not limited thereto. Any variations or substitutions that can be easily made by those skilled in the art within the scope of the technology disclosed in this application should be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims, and the above embodiments should be regarded as exemplary and non-limiting.

Claims

1. A method for processing housing rental transactions via crowdsourcing channels, characterized in that, include: Generate an onboarding form based on the onboarding request; The registration form is used to display differentiated information and sensitive operation permissions; Based on the registration form, determine the registration entity information; Based on the information of the entities that have registered, a multi-factor authentication result is obtained; the multi-factor authentication is used to conduct differentiated authentication for different entities that have registered. Based on the multi-factor authentication results, the corresponding business terminal is determined; The information of the registered entities is allocated to the business terminals for business processing, and business processing data is generated.

2. The method according to claim 1, characterized in that, The step of generating an onboarding form based on the onboarding request includes: Parse the encrypted string contained in the request header of the onboarding request to obtain the inviter's identification code, channel type, and region; Configure the database according to the inviter identification code query rules to obtain system configuration information; Based on the system configuration information and the channel type, a rendering list is determined; the rendering list is used to define the information items to be rendered and to define the sensitive operation permissions. The entry form is generated based on the rendered list.

3. The method according to claim 1, characterized in that, The step of determining the registration entity information based on the registration form includes: Compare the entry form with the standardized business database to check for data conflicts, and perform consistency verification based on the conflict results; Compare the entry form and the SDK parsing results to check for data forgery, and verify the authenticity based on the forgery detection results; After both the consistency check and the authenticity check pass, the information of the entity to be registered is determined based on the format verification results and legality verification results of the mobile phone number, unified social credit code, and qualification documents.

4. The method according to claim 1, characterized in that, The process of obtaining multi-factor authentication results based on the registered entity information includes: Based on the region and channel type in the information of the entity that has joined the platform, obtain the corresponding regional authentication policy configuration; the regional authentication policy configuration includes at least a third-party authentication interface; Based on the regional authentication strategy configuration, an authentication chain including hierarchical multi-factor verification is determined; The authentication process is performed based on the authentication chain, and the entire authentication process data is written to the distributed traceability log chain to obtain the multi-factor authentication result.

5. The method according to claim 1, characterized in that, The step of determining the corresponding business terminal based on the multi-factor authentication result includes: When the multi-factor authentication result is passed, the corresponding business area and organizational level are matched based on the region of the entity information, and an initial set of salespersons is selected. Based on the business type, a target set of salespersons matching the corresponding business type is selected from the initial set of salespersons; The target salesperson set is prioritized based on the salesperson feature profile to obtain the ranking result; The service terminal is determined based on the sorting results.

6. The method according to claim 1 or 5, characterized in that, After determining the service terminal, the method further includes: During the business process, a state machine-driven approach is adopted to match predefined business states; wherein, the business states include at least one of the following: pending allocation, allocated, showing, transaction completed, and invalid. State change events are generated based on state changes, and these state change events are streamed into the flow trajectory library to retain business flow trajectory data in real time. Based on the state machine, state change events are generated in real time and streamed into the flow trajectory library to retain full-process business trajectory data.

7. The method according to claim 1, characterized in that, After generating the business processing data, the method further includes: A bypass reconciliation mechanism is initiated, and three-level asynchronous data verification is performed based on the business processing data to obtain the verification result. The three-level asynchronous data verification includes: order-level verification: performing forward calculation based on the business processing data to obtain a first result, and performing reverse derivation calculation based on payment transaction data to obtain a second result, comparing the consistency between the first result and the second result; account-level verification: performing a balance verification of the income and expenditure data of the corresponding accounts of the registered entity based on a double-entry bookkeeping mechanism; and enterprise-level verification: performing a balance verification of the cash flow between the platform enterprise account and the payment supplier account based on a double-entry bookkeeping mechanism. If the verification result is abnormal, an alarm will be triggered. If the verification result is normal, then archiving is complete.

8. An electronic device, characterized in that, The electronic device includes: One or more processors; and A memory storing computer program instructions, which, when executed, cause the processor to perform the steps of the method as described in any one of claims 1 to 7.

9. A computer-readable medium having a computer program / instructions stored thereon, characterized in that, When the computer program / instructions are executed by the processor, they implement the steps of the method according to any one of claims 1 to 7.

10. A computer program product comprising a computer program / instructions, characterized in that, When the computer program / instructions are executed by the processor, they implement the steps of the method according to any one of claims 1 to 7.

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