CN113628039A - House cloud loan service system - Google Patents
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Abstract
The invention discloses a residential cloud loan service system, which adopts a service-oriented architecture to provide calling for an application system, constructs a service integrated management platform, builds a mobile app based on the service platform to realize a multi-terminal office channel, establishes a flexible data conversion mechanism based on a heterogeneous system and a configurable information bridging technology, supports the conversion of various data types and data sources, supports various ca certificate authentication modes based on a BPML department cooperative application data comparison technology, an electronic form technology, a block chain technology and a multi-party video conference technology, and carries out block chain storage on standard and nonstandard format data generated in the process, wherein the service integrated management platform comprises the following sub-modules: user registration, real-name authentication, loan measurement and calculation, loan inquiry, loan application, loan pre-review, loan approval, online interview of face endorsements, guarantee and payment, online mortgage, and one-touch litigation. The invention can improve the house loan customer service efficiency and the product experience.
Description
Technical Field
The invention belongs to the field of information communication, and particularly relates to a housing cloud loan service system.
Background
At present, the house loan is usually made in an offline loan mode, and the offline loan mode usually has the following disadvantages: 1) the offline processing user experience is poor, the consumed time is long, and the demand of an urgent borrower cannot be met. 2) The seal is stamped by multiple parties off line, the client needs to go back and forth for multiple times, and the flow in line is long. 3) The cost of paper materials, contracts, printing, storage and management is high, and the personnel investment is large. Resulting in an offline loan mode that is generally inefficient for the user to service and poor in the service experience.
Disclosure of Invention
In order to solve the defects and shortcomings in the prior art, the invention provides a housing cloud loan service system which aims to improve the housing loan customer service efficiency and product experience, establishes a transparent letter, data sharing and service intelligent processing platform through the service of data opening associated with government functional departments, realizes the channel extension of loan service in the Internet field according to the traditional housing loan service process, provides the electronic processing of loan on the whole line, can be better combined with the service scene application of banks, governments and borrowers, and allows users to pay after system registration, real-name authentication, material submission and bank audit, thereby realizing the technical innovation of on-line processing, paperless processing and the like in the whole process, and adopts the CA certificate, face brushing real-person authentication and block chain technology to make data storage.
The technical scheme of the invention is as follows: a living room cloud loan service system is characterized in that a service-oriented architecture is adopted to provide calling for an application system, a service integrated management platform is constructed, a mobile app is built based on the service platform to realize a multi-terminal office channel, a flexible data conversion mechanism is built based on a heterogeneous system and a configurable information bridging technology, conversion of multiple data types and data sources is supported, a BPML (business process modeling language) department collaborative application data comparison technology, an electronic form technology, a block chain technology and a multi-party video conference technology are based, multiple ca certificate authentication modes are supported, and block chain storage is performed on standard and non-standard format data generated in the process, and the service integrated management platform comprises the following sub-modules: user registration, real-name authentication, loan measurement and calculation, loan inquiry, loan application, loan pre-review, loan approval, online interview of face endorsements, guarantee and payment, online mortgage, and one-touch litigation.
Preferably, the user registration and real-name authentication means that a client downloads APP, registers the user through a mobile phone number, and becomes a high-level real-name authentication user through face brushing and real-person authentication, so that the client can apply and transact business; related persons involved in the loan, including borrowers, spouses, common property owners and security holders, need to be registered and authenticated to become high-level real-name authenticated users.
Preferably, the loan measurement and calculation means that after the client passes face brushing and authorization authentication, the client enters a loan measurement and calculation menu, the system sends the information of the client name and the identity card number to a big data center and a financial comprehensive service platform, and the core system returns the data to a client interface after inquiring the loan storage condition of the client; the information displayed back includes: and data related to loan availability, loan amount and loan type.
Preferably, the loan application means that the client enters a loan application link and an information filling interface after passing through a loan measurement and calculation link. The system sends the customer name, the identity card number and the mobile phone number information, automatically inquires and acquires various information including but not limited to the family register, the marital, the work unit and the housing condition, and performs back display on the page, thereby reducing the repeated input of the customer.
Preferably, the loan audit means that a bank audit person calls a credit investigation interface to obtain whether the qualification of a related applicant meets the requirement through the materials and authorization submitted by a user, then inquires the customer property filing information, can obtain a customer housing condition table through the filing information, and according to the purchase network signing number supplemented and submitted by a borrower, and then, whether the loan condition is met by combining the submission information audit, and feeds back the result to the client.
Preferably, the online interview face signing means that a bank, a client, a notary or other required third parties conduct multi-party video interview, the video process is recorded and stored in a double mode, the bank provides an electronic contract after the borrower agrees with the interview, the borrower calls an effective personal ca certificate to conduct electronic signature, and the bank and the third parties conduct legal person signature and seal to generate an effective electronic contract which is filed.
Preferably, the online mortgage is that after the contract is signed, the electronic mortgage form is sent to the real estate title center for online mortgage directly, after the property center confirms the electronic mortgage form, the electronic mortgage information is generated and sent to the bank to complete the mortgage process, and the bank enters the deposit process.
Preferably, one-key litigation means that the borrower provides basis and legal guarantee for online consultation and face signing of a customer manager through face recognition and identity networking check; meanwhile, loan information of the borrower and information of the loan process are synchronously uploaded to the Internet court through encryption processing, and standard information with legal effectiveness is provided for future post-loan management and judicial litigation.
Preferably, the system uses a linux server, and a BPML-based department collaborative application data comparison technology, MSSql, Redis, Memcache, RabbitMQ and Etherhouse public link technology, so that concurrency efficiency and throughput are improved, and high-performance, stable, reliable, privacy and safety block link evidence storage capability of various types of data is provided.
Preferably, the heterogeneous system and the configurable information bridging technology are based on: through a customizable data conversion and migration mechanism, a program does not need to be developed or modified, and the platform can adapt to the changes only through a convenient configuration management interface;
the BPML-based department collaborative application data comparison technology specifically comprises the following steps: the data comparison method has the characteristics of uneven data quality and uncertain data comparison process requirements, and completes comparison processing work on data by providing a whole set of comparison template library, a comparison configurator, a comparison engine and other core tools;
the electronic form technology specifically includes: the visible-to-acquired form compiling tool is provided, the form format is separated from the data and is stored in an XML mode, so that interaction between different systems can be conveniently realized; the examination and approval trace tracking capability ensures that the operation of different personnel on the form can be tracked; the support of the electronic seal function allows a user to directly seal on a form; in addition, data can be directly put in a warehouse, so that more support is provided for information retrieval and further summary analysis;
the block chain technique specifically refers to: block chain whole-process recording is realized, chain is carried out in real time in the whole process, and signature data are guaranteed not to be tampered and cannot be repudiated; the court is linked up, the user platform and the judicial organ are linked up on the same chain, the contract is signed on the evidence at the moment, the proof is held in front, the courseware is directly informed, online litigation can be realized, and the later right maintaining cost is greatly reduced;
the multiparty video conference technology specifically includes: the video conference is reserved before the conference is started, cloud management is carried out, and multi-user synchronous operation is supported; thereby helping customers and enterprises to save time and resources and improve work efficiency.
In order to improve the house loan client service efficiency and product experience, a transparent public letter, data sharing and service intelligent processing platform is established through the open service of related data of government functional departments, the channel extension of loan services in the internet field is realized according to the traditional house loan service process, the whole electronic transaction of loan is provided, the service scene application of banks, governments and borrowers can be better combined, and users can complete the technical innovation of on-line transaction, paperless transaction and the like through system registration, real name authentication, material submission and payment after bank audit, and the data deposit certificate is made by adopting the CA certificate, face real person authentication and block chain technology.
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FIG. 1 is a schematic flow chart of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the attached drawings, but the present invention is not limited thereto.
As shown in fig. 1, a housing cloud loan service system, an interface integrated management service platform, supports multiple ca certificate authentication methods, and performs block chaining certificate storage on data in standard and non-standard formats generated in the process, the method includes the steps of:
1. a business comprehensive management platform is constructed, a mobile app is built based on the business platform to realize a multi-end office channel, and sub-modules of the platform comprise user registration, real-name authentication, loan measurement and calculation, loan inquiry, loan application, loan pre-review, loan approval, online interview of surface sign, guarantee and release, online mortgage and internet courts.
2. User registration and real-name authentication, namely, a client downloads an APP (application program), registers a user through a mobile phone number, and becomes a high-grade real-name authentication user through face brushing and real-person authentication, so that the user can apply and transact business; related persons involved in the loan, including borrowers, spouses, common property owners, security holders and the like, need to be registered and authenticated to become high-level real-name authenticated users.
3. And (4) loan measurement and calculation, namely, after the client swipes the face and authorizes and authenticates, entering a loan measurement and calculation menu, sending information such as the name, the identity card number and the like of the client to a big data center and a financial comprehensive service platform by the system, and returning data to a client interface after the core system inquires the loan condition of the client. The information displayed back includes: and whether the loan is available, the loan amount, the loan type and the like.
4. And (4) loan application, namely, after the client passes through the loan measuring and calculating link, entering a loan application link and entering an information filling interface. The system sends information such as customer name, identity card number, mobile phone number and the like, automatically inquires and acquires various information including but not limited to family register, marital, work unit, housing condition and the like, and performs back display on a page so as to reduce repeated input of customers.
5. And loan auditing, namely, a bank auditor calls a credit investigation interface to obtain whether the qualification of a related applicant meets the requirement or not through the materials and authorization submitted by a user, then inquires the customer property filing information, can obtain a customer housing condition table through the filing information, signs the same number according to a house purchasing network submitted by a borrower in a supplementing manner, then verifies whether the loan condition is met or not by combining the submitted information, and feeds the result back to the client.
6. The bank, the client and the notary certificate or other required third parties carry out multi-party video interview, the video process is carried out double-recording storage, the bank provides an electronic contract after the borrower agrees with the interview, the borrower calls an effective personal ca certificate to carry out electronic signature, and the bank and the third parties carry out legal person signature and seal to generate an effective electronic contract which is filed.
7. And (3) performing online mortgage, namely sending the electronic mortgage form generated after the contract is signed, sending the electronic mortgage form to an immovable property center for online mortgage directly, and generating electronic mortgage information after the property center confirms to a bank to finish the mortgage link and enter a deposit process.
8. In the one-key litigation, borrowers provide basis and law guarantee for online consultation and face signing of client managers through face recognition and identity networking check. Meanwhile, loan information, loan process and other information of the borrower are synchronously uploaded to the Internet court through encryption processing, and standard information with legal effectiveness is provided for future post-loan management and judicial litigation.
9. Using linux server, BPML-based department collaborative application data comparison technology,
The method has the advantages that the technologies of MSSql, Redis, Memcache, RabbitMQ, EtherFang public link and the like are adopted, concurrency efficiency and throughput are improved, and block link evidence storage capability of various types of data with high performance, stability, reliability, privacy and safety is provided.
The invention works around government affair service 'mobile handling', completely deepens 'at most' reform, pays attention to the actual demands of the masses, insists on 'subtraction' of material procedures for 'multiplication' of service capacity, and continuously improves the satisfaction degree of the masses. The system interconnects data with related systems of mechanisms such as a public accumulation fund center, a big data management bureau, a real estate registration center, a property right center, a file bureau, an internet court, a bank supervision big data platform, a human credit investigation and the like, and realizes the on-line full-process transaction of the loan service. Meanwhile, the risk handling capacity of the financial institution is improved, and lawsuit for overdue loans is realized.
The main innovation of the invention is as follows:
1. and large data credit investigation is carried out, and large data wind control of the data model is carried out by combining the characteristics of the internet and integrating various indexes through a data interface provided by a data resource management center. The functions that can be implemented include credit reporting, accurate data services, and surveys, among others.
2. The whole block chain is used for storing the certificate, the user uses the APP as an entrance to brush the face and identify the real person, an electronic contract, a legal person electronic signature and an individual effective electronic signature are used, and the whole online process utilizes the block chain to store the certificate with the credible data.
3. In the links of interviewing and face signing, one-key appointment arrangement is carried out, all participants are immediately informed, the participants do not need to register, and the links are clicked to directly brush faces or enter app through short message authentication, so that almost complete high-fidelity video quality is provided, and the method is stable and reliable.
4. The loan applicant provides basis and legal guarantee for online interview and surface signing of a customer manager through face recognition and identity networking check. Meanwhile, loan information, loan process and other information of loan applicants are synchronously uploaded to the court block chain nodes through encryption processing, standard information with legal effectiveness is provided for future post-loan management and judicial lawsuits, and one-key lawsuits and one-key arbitration are realized.
The invention has the following main beneficial effects:
1. and a Service Oriented Architecture (SOA) is adopted to provide calls for an application system, so that a foundation is laid for the later expansion. The data sharing among different application systems is realized under the condition that the original application systems of departments are not changed.
2. Based on a heterogeneous system and a configurable information bridging technology, a flexible data conversion mechanism is established to support the conversion of various data types and data sources; through the customizable data conversion and migration mechanism, programs do not need to be developed or modified, and the platform can adapt to the changes only through a convenient configuration management interface.
3. The BPML-based department collaborative application data comparison technology has the characteristics that the platform information has a large amount of data information, the data quality obtained through an interface is uneven, and the data comparison process requirement is variable, and completes the data comparison processing work by providing a whole set of comparison template library, a comparison configurator, a comparison engine and other core tools.
4. The electronic form technology provides a visible-to-the-ready form compiling tool, and the form format is separated from data and stored in an XML mode, so that interaction between different systems can be facilitated. The examination and approval trace tracking capability ensures that the operation of different personnel on the forms can be tracked. The support of the electronic seal function allows a user to directly seal on a form. And moreover, data can be directly put in storage, so that more support is provided for information retrieval and further summary analysis.
5. The block chain technology realizes the whole-process recording of the block chain, links the chain in real time in the whole process and ensures that the signature data cannot be tampered and cannot be repudiated; the court cochain, client (user) platform, judicial organ are on the same chain, sign that evidence cochain at the instant that the contract, realize that the proof is leading, directly be adopted the letter at the court, can realize online litigation, great reduction later stage's right cost of maintaining.
6. The multi-party video conference technology can reserve a video conference before the conference starts, can perform cloud management and supports multi-user synchronous operation; thereby helping customers and enterprises to save time and resources and improve work efficiency.
The server can be deployed in other cloud terminals, such as an Tencent cloud, an AWS (active provisioning service), Azure and the like, and can meet different requirements of enterprises and reduce the operation cost of the enterprises.
Claims (10)
1. The house-holding cloud loan service system is characterized in that: the business integrated management platform comprises the following sub-modules: user registration, real-name authentication, loan measurement and calculation, loan inquiry, loan application, loan pre-review, loan approval, online interview of face endorsements, guarantee and payment, online mortgage, and one-touch litigation.
2. The housing cloud loan service system according to claim 1, wherein: the user registration and real-name authentication means that a client downloads an APP (application program), registers the user through a mobile phone number, and becomes a high-grade real-name authentication user through face brushing and real-person authentication, so that the client can apply and transact business; related persons involved in the loan, including borrowers, spouses, common property owners and security holders, need to be registered and authenticated to become high-level real-name authenticated users.
3. The housing cloud loan service system according to claim 1, wherein: the loan measurement and calculation means that after the client passes face brushing and authorization authentication, the client enters a loan measurement and calculation menu, the system sends the information of the client name and the identity card number to a big data center and a financial comprehensive service platform, and the core system returns the data to a client interface after inquiring the loan storage condition of the client; the information displayed back includes: and data related to loan availability, loan amount and loan type.
4. The housing cloud loan service system according to claim 3, wherein: the loan application means that the client enters a loan application link and an information filling interface after passing through a loan measurement and calculation link. The system sends the customer name, the identity card number and the mobile phone number information, automatically inquires and acquires various information including but not limited to the family register, the marital, the work unit and the housing condition, and performs back display on the page, thereby reducing the repeated input of the customer.
5. The housing cloud loan service system according to claim 4, wherein: the loan audit means that a bank audit person calls a credit investigation interface to obtain whether the qualification of a related applicant meets the requirement or not through the materials and authorization submitted by a user, then inquires the check information of the client's house property, can obtain a client house condition table through the check information, signs the same number according to a house purchasing network supplemented and submitted by a borrower, and then verifies whether the loan condition is met or not by combining the submitted information, and feeds the result back to the client.
6. The housing cloud loan service system according to claim 1, wherein: the online interview and face signing means that a bank, a client and a notary certificate or other required third parties conduct multi-party video interview, the video process is conducted double-recording storage, the bank provides an electronic contract after the borrower agrees with the interview, the borrower calls an effective personal ca certificate to conduct electronic signature, and the bank and the third parties conduct legal person signature and seal to generate an effective electronic contract which is filed.
7. The housing cloud loan service system according to claim 6, wherein: the online mortgage is that after the contract is signed, the electronic mortgage form is sent to the real estate title center for online mortgage directly, after the property center confirms the electronic mortgage form, the electronic mortgage information is generated to the bank to complete the mortgage link, and the bank enters the deposit process.
8. The housing cloud loan service system according to claim 7, wherein: the lawsuit refers to that a borrower provides basis and law guarantee for online consultation and face signing of a client manager through face recognition and identity networking check; meanwhile, loan information of the borrower and information of the loan process are synchronously uploaded to the Internet court through encryption processing, and standard information with legal effectiveness is provided for future post-loan management and judicial litigation.
9. The housing cloud loan service system according to claim 7, wherein: the system uses a linux server, and a BPML (business process markup language) -based department collaborative application data comparison technology, MSSql, Redis, Memcache, RabbitMQ and Etherhouse public link technology, improves concurrency efficiency and throughput, and provides block link evidence storage capability of high performance, stability, reliability, privacy and safety and various types of data.
10. The housing cloud loan service system according to claim 1, wherein: the heterogeneous system and configurable information bridging technology is specifically as follows: through a customizable data conversion and migration mechanism, a program does not need to be developed or modified, and the platform can adapt to the changes only through a convenient configuration management interface;
the BPML-based department collaborative application data comparison technology specifically comprises the following steps: the data comparison method has the characteristics of uneven data quality and uncertain data comparison process requirements, and completes comparison processing work on data by providing a whole set of comparison template library, a comparison configurator, a comparison engine and other core tools;
the electronic form technology specifically includes: the visible-to-acquired form compiling tool is provided, the form format is separated from the data and is stored in an XML mode, so that interaction between different systems can be conveniently realized; the examination and approval trace tracking capability ensures that the operation of different personnel on the form can be tracked; the support of the electronic seal function allows a user to directly seal on a form; in addition, data can be directly put in a warehouse, so that more support is provided for information retrieval and further summary analysis;
the block chain technique specifically refers to: block chain whole-process recording is realized, chain is carried out in real time in the whole process, and signature data are guaranteed not to be tampered and cannot be repudiated; the court is linked up, the user platform and the judicial organ are linked up on the same chain, the contract is signed on the evidence at the moment, the proof is held in front, the courseware is directly informed, online litigation can be realized, and the later right maintaining cost is greatly reduced;
the multiparty video conference technology specifically includes: the video conference is reserved before the conference is started, cloud management is carried out, and multi-user synchronous operation is supported; thereby helping customers and enterprises to save time and resources and improve work efficiency.
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| CN115983983A (en) * | 2023-02-17 | 2023-04-18 | 中银消费金融有限公司 | Business handling and auditing method, system, readable storage medium and equipment |
| CN117350867A (en) * | 2023-10-11 | 2024-01-05 | 国任财产保险股份有限公司 | Management system based on credit guarantee risk |
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