CN113780999A - Online mortgage registration method, system and readable medium - Google Patents

Abstract

The present disclosure relates to an online mortgage registration method, system and readable medium, wherein the online mortgage registration method includes: acquiring signature information of a borrower, wherein the signature information is signed after the borrower finishes on-line reading of a plurality of legal documents related to mortgage; signing each legal document based on the signature information of the borrower; and sending the legal documents related to the mortgage registration in the signed legal documents to a real estate registration center to realize online mortgage registration. The mortgage registration method can finish the processes of signature and approval of each legal document only by acquiring the signature information of the borrower once, thereby greatly simplifying the process that the borrower and the bank need to go and go through documents for several times and improving the handling efficiency.

Description

Online mortgage registration method, system and readable medium

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to an online mortgage registration method, system, and readable medium.

Background

When a loan bank and a mortgage transact personal loan, after a mortgage contract is signed, the two parties need to transact mortgage object registration procedures, and the mortgage contract can only be effective after the mortgage is registered. The specific flow is that a client firstly applies for loan in a bank, signs a contract and then goes to a real estate hall for mortgage registration in the forms of WeChat reservation and the like. After the real estate staff accepts, the real estate staff goes to audit and book checking, then the staff and the client go to a real estate hall to pay and receive the certificates, finally the bank staff completes the procedures of warehousing of the paper certificates and the like, and finally the bank system deposits money. After the loan application, the loan approval is passed, the mortgage right is transacted after the loan is approved, the mortgage right is transacted after the loan is cleared is cancelled and the like, a client needs to transact related procedures to and fro between a bank business point and a real estate registration window for many times, the loan speed is low, and the user experience is poor.

Disclosure of Invention

The online mortgage registration method, the online mortgage registration system and the readable medium solve the problems that the existing papery loan service is low in handling efficiency and poor in user experience.

In a first aspect, an embodiment of the present disclosure provides an online mortgage registration method, used in a banking system, including: acquiring signature information provided by a borrower after reading a plurality of legal documents related to mortgage; signing each legal document based on the signature information of the borrower; and sending the legal documents related to the mortgage registration in the signed legal documents to a real estate registration center to realize online mortgage registration.

In a second aspect, embodiments of the present disclosure provide an online mortgage registration system, comprising: a processor configured to: acquiring signature information provided by a borrower after reading a plurality of legal documents related to mortgage; signing each legal document based on the signature information of the borrower; and sending the legal documents related to the mortgage registration in the signed legal documents to a real estate registration center to realize online mortgage registration.

In a third aspect, embodiments of the present disclosure provide a non-transitory computer-readable medium having instructions stored thereon, where the instructions, when executed by a processor, perform the online mortgage registration method described in the embodiments of the present disclosure.

By using the online mortgage registration method according to the embodiments of the disclosure, the signature and approval process of each legal document can be completed by only acquiring the signature information of the borrower once, so that the process that the borrower and the bank need to go and go through the documents for several times is greatly simplified, and the handling efficiency is improved.

Drawings

In the drawings, which are not necessarily drawn to scale, like reference numerals may describe similar components in different views. Like reference numerals having letter suffixes or different letter suffixes may represent different instances of similar components. The drawings illustrate various embodiments generally by way of example and not by way of limitation, and together with the description and claims serve to explain the disclosed embodiments. Such embodiments are illustrative, and are not intended to be exhaustive or exclusive embodiments of the present apparatus or method.

Fig. 1 shows a basic flow diagram according to an embodiment of the present disclosure.

Fig. 2 shows a general flow diagram according to an embodiment of the disclosure.

Fig. 3 shows a system block diagram according to an embodiment of the present disclosure.

Detailed Description

For a better understanding of the technical aspects of the present disclosure, reference is made to the following detailed description taken in conjunction with the accompanying drawings. Embodiments of the present disclosure are described in further detail below with reference to the figures and the detailed description, but the present disclosure is not limited thereto.

The use of "first," "second," and similar terms in this disclosure are not intended to indicate any order, quantity, or importance, but rather are used for distinction. The word "comprising" or "comprises", and the like, means that the element preceding the word covers the element listed after the word, and does not exclude the possibility that other elements are also covered.

When a client transacts loan business, because the client needs to mortgage and register the real estate, the client needs to repeatedly go back and forth between the bank and the real estate center to transact related procedures in the traditional mode, paper data such as characters and the like needing to be submitted in the transaction process can reach as many as 170 pages, the signature can reach as many as dozens, business procedures such as printing, mortgage, certificate picking, warehousing and the like need to be transacted by multiple people in the bank, the whole process consumes longer time, the efficiency is lower, and the procedures are more complicated.

The embodiment of the disclosure provides an online mortgage registration method which is used for a bank system side. The online mortgage registration method of the present example may be applied to a system side of a bank, where the system side of the bank may establish communication with a terminal of the bank, and the terminal of the bank may include, for example, a mobile phone APP client, a PC client, and the like for a client, which is not limited herein. An APP client, a PC client, etc. used by bank staff may also be included, either separately or in addition. The APP can also provide different functions after different users log in, for example, after a common user logs in, a common function is displayed, and after a bank worker logs in, a manager function is presented, specifically, no one-to-one limitation is performed. As shown in fig. 1, the online mortgage registration method of the embodiment of the present disclosure may acquire signature information provided by a borrower after reading several legal documents related to the mortgage in step S101. The borrower can log in the cell-phone APP of bank, then selects appointed plate to carry out the business transaction, for example the borrower handles the mortgage registration business in cell-phone APP, then this cell-phone APP can show to the user and carry out a plurality of legal documents relevant with the user mortgage, for example the mortgage contract, the mortgage must know etc.. In the process of displaying the mobile phone APP, information concerned by the borrower in each legal document can be highlighted. The mobile phone APP can also respond to the operation instruction and return to the target legal document selected by the operation instruction or a target page of the target legal document. For example, where the borrower believes the terms are unclear or forgotten, the borrower may repeatedly review the associated terms. The information concerned by the borrower in each legal document may be, for example, rights and obligations in terms, term of borrowing, amount, and the like. After the fact that the user finishes reading each legal document is determined, the signature area can be provided through the mobile phone APP, the signature information of the client is sent to the bank system through the mobile phone APP after the client signs, and therefore the bank system can obtain the signature information of the borrower. The borrowing operation of the borrower on other devices (such as a PC client, a web page, etc.) may refer to the foregoing process, which is not described herein again.

After the signature information of the borrower is acquired, each legal document may be signed based on the signature information of the borrower in step S102. Because the mobile phone APP only acquires the signature information of the borrower once, in the actual borrowing operation, the borrower is required to sign each legal document. Each legal document may be signed based on the acquired borrower signature information. In the specific execution process, the page needing to be signed can be marked, after the signature information is obtained, the marked page is searched, and signature is carried out based on the signature information of the borrower.

After the signature is completed, in step S103, the legal documents related to the mortgage registration among the signed legal documents may be sent to the real estate registration center, so as to implement online mortgage registration. As a sub-process of the mortgage, the bank system needs to send the legal document related to the mortgage registration among the signed legal documents to the real estate registration center.

The online mortgage registration method can finish the processes of signature and approval of each legal document only by acquiring the signature information of the borrower once. And dozens of times of signature confirmation of the borrower is not required, so that the process that the borrower and the bank need to go and go through files for several times is greatly simplified, and the handling efficiency is improved.

In some embodiments, in the case where the borrower is not unique, the online mortgage registration method further comprises: and respectively acquiring the signature information of each borrower. For example, if the mortgage house belongs to a couple, the signature information of the couple can be obtained and used as the signature basis of the same borrowing contract. For example, based on the ratio of the property rights of the couple, one of the two parties may be the primary signer and the other may be the secondary signer. Independently or additionally, in the case where the subject matter belongs to a plurality of persons, signature information of the plurality of persons may be acquired separately.

Before acquiring the signature information of the borrower, after the borrower finishes reading each legal document, the borrower can be verified in a specified verification mode. For example, after the borrower finishes reading, a prompt message may be issued to the borrower to prompt the borrower to perform verification. The verification can be performed according to a verification mode selected by the borrower, for example, the verification that the borrower device supports face recognition and can perform face recognition is performed, the verification that the borrower device supports fingerprint recognition and can perform fingerprint verification, and the specific verification mode is not limited one by one here.

In some embodiments, the specified verification means includes at least one or more of the following verification means: face recognition, networking check, short message verification and CFCA authentication. Independently or additionally, the method can also be a combination of multiple verification modes, for example, before the face recognition, the short message verification is performed on the borrower, after the verification is passed, the face recognition is performed, and the specific verification mode can be set according to actual needs, and is not limited one by one here.

After the signature information of the borrower is acquired, the method further comprises the following steps: and acquiring an audit conclusion of bank staff, and signing each legal document based on the signature information of the borrower under the condition that the audit conclusion is passed. According to the normal mortgage process, after the borrower applies for the mortgage, the bank staff needs to check the borrower, for example, checking credit information, qualification and the like of the borrower, and the next process can be performed after the check is passed. In this example, since the signature of the paper document is not required, the bank staff can perform phone communication confirmation with the borrower based on each legal document, and thus ensure correct information transmission. After the bank staff confirms, the signature of each legal document can be carried out under the condition that the verification conclusion of the bank staff is verified and confirmed. And under the condition that the obtained auditing conclusion of the bank staff is the auditing rejection, the borrowing process can be directly ended, and the borrower is not borrowed. In the example, the verification of the borrower can be completed at one time through the confirmation process of the bank staff, the work content of the bank staff is greatly simplified, and the overall loan efficiency is improved.

After each legal document is signed, the bank staff can also check whether the signature is missed or not. The portion of content may be accomplished by a client of a bank worker. After the bank staff is verified, the identity of the bank staff can be verified, and the authority of the bank staff in the bank is determined. The bank system can respond to the identity verification passing information of bank workers and call electronic seals of the bank; and stamping the electronic seal for related legal documents. The electronic seal of the bank can be conveniently managed through setting verification, and the efficiency of stamping legal documents can be greatly improved through electronic management means.

After each legal document is stamped based on the electronic seal of the bank, each stamped legal document can be saved in a bank data center. Meanwhile, the legal documents related to the mortgage registration in the signed legal documents are sent to a real estate registration center so as to realize online mortgage registration. After the real estate registration center receives the legal documents related to the mortgage registration, the real estate registration center can realize the online examination and approval and online certification of the mortgage right registration through the mortgage registration information pushed by the bank. And after the real estate registration center finishes the examination and approval, sending the electronic right certificate which finishes the examination and approval to a bank system. The banking system may determine whether to place a payment to the borrower based on the electronic ticket.

Fig. 2 shows an overall flow chart according to an embodiment of the disclosure, in this example, taking a borrower as an example, the bank system 202 may perform data communication with the mobile phone APP of the borrower 201, for example, the bank system 202 may serve as a server to display a plurality of legal documents related to the mortgage to the borrower to the mobile phone APP of the borrower 201. After the borrower 201 completes reading the relevant legal document, the signature information of the borrower 201 is obtained. And signing related legal documents at a system background based on the signature information of the borrower 201, and stamping each legal document by calling an electronic seal of a bank. After the seal is sealed, the relevant legal documents are stored as a mortgage contract in the bank data center 2021. Meanwhile, legal documents related to the real estate mortgage registration are pushed to the real estate registration center 203 for the real estate registration center 203 to perform online approval. After the real estate registration center 203 finishes registration, the electronic ticket is sent to the banking system 202, and the banking system 202 may store the electronic ticket in association with the stored mortgage contract, thereby completing the approval process on the banking system 202 side. Finally, the banking system 202 may deposit money to the borrower 201 to complete the entire online real estate mortgage registration process. Independently or additionally, if any of the processes in the approval process fail, the loan process may be terminated, the borrower 201 may not be paid, and the borrower may be notified.

The online mortgage registration method disclosed by the invention realizes interconnection and fusion and data sharing and interoperability of a bank system and a real estate registration center system, realizes one-stop handling of clients in bank loan application, mortgage registration and the like, simultaneously realizes whole-flow online, paperless and digital handling, and greatly improves the efficiency.

Embodiments of the present disclosure also provide an online mortgage registration system, as shown in fig. 3, the online mortgage registration system 300 includes a processor 301 configured to: and acquiring the signature information of the borrower, wherein the signature information is signed after the borrower finishes on-line reading of a plurality of legal documents related to the mortgage. The specific obtaining manner may be obtained through the interface 305, in this example, the interface 305 may be a hardware interface, such as a network interface, a USB data interface, or the like, or may be a program interface API of software, or may be a combination of software and hardware, which is not limited herein. The processor 301 in this example may be a processing device including more than one general purpose processing device, such as a microprocessor, Central Processing Unit (CPU), Graphics Processing Unit (GPU), or the like. More specifically, the processor may be a Complex Instruction Set Computing (CISC) microprocessor, Reduced Instruction Set Computing (RISC) microprocessor, Very Long Instruction Word (VLIW) microprocessor, processor running other instruction sets, or processors running a combination of instruction sets. The processor may also be one or more special-purpose processing devices such as an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), a system on a chip (SoC), or the like. The processor 301 may also sign each legal document based on the borrower's signature information; and sending the legal documents related to the mortgage registration in the signed legal documents to a real estate registration center to realize online mortgage registration. Independently or additionally, the online mortgage registration system 300 of the disclosed embodiment may further include a communication bus and a memory 302, the interface 305, the processor 301 and the memory 302 are all connected to the communication bus, and may further include an input/output device 303, the input/output device 303 is also connected to the communication bus, and the input/output device 303 may be used for the processor 301 to obtain the identity verification information of the bank staff. The memory 302 may be used to store a bank's daemon for the processor 301 to call. The online mortgage registration system 300 may also include a display unit 304 connected to the communication bus, the display unit 304 may be used to demonstrate the process of the online mortgage.

Embodiments of the present disclosure also provide a non-transitory computer-readable medium having instructions stored thereon, wherein the instructions, when executed by a processor, perform the online mortgage registration method according to embodiments of the present disclosure. The computer-readable storage medium in this example may be a non-transitory computer-readable medium, such as read-only memory (ROM), random-access memory (RAM), phase-change random-access memory (PRAM), static random-access memory (SRAM), dynamic random-access memory (DRAM), electrically-erasable programmable read-only memory (EEPROM), other types of random-access memory (RAM), flash disks or other forms of flash memory, caches, registers, static memory, compact-disc read-only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, cartridges or other magnetic storage devices, or any other possible non-transitory medium that may be used to store information or instructions that may be accessed by a computer device, and so forth.

Moreover, although exemplary embodiments have been described herein, the scope thereof includes any and all embodiments based on the disclosure with equivalent elements, modifications, omissions, combinations (e.g., of various embodiments across), adaptations or alterations. The elements of the claims are to be interpreted broadly based on the language employed in the claims and not limited to examples described in the present specification or during the prosecution of the application, which examples are to be construed as non-exclusive. It is intended, therefore, that the specification and examples be considered as exemplary only, with a true scope and spirit being indicated by the following claims and their full scope of equivalents.

The above description is intended to be illustrative and not restrictive. For example, the above-described examples (or one or more versions thereof) may be used in combination with each other. For example, other embodiments may be used by those of ordinary skill in the art upon reading the above description. In addition, in the foregoing detailed description, various features may be grouped together to streamline the disclosure. This should not be interpreted as an intention that a disclosed feature not claimed is essential to any claim. Rather, the subject matter of the present disclosure may lie in less than all features of a particular disclosed embodiment. Thus, the following claims are hereby incorporated into the detailed description as examples or embodiments, with each claim standing on its own as a separate embodiment, and it is contemplated that these embodiments may be combined with each other in various combinations or permutations. The scope of the invention should be determined with reference to the appended claims, along with the full scope of equivalents to which such claims are entitled.

The above embodiments are only exemplary embodiments of the present disclosure, and are not intended to limit the present invention, the scope of which is defined by the claims. Various modifications and equivalents may be made thereto by those skilled in the art within the spirit and scope of the present disclosure, and such modifications and equivalents should be considered to be within the scope of the present invention.

Claims (10)

1. An online mortgage registration method, used on a banking system side, includes:

acquiring signature information provided by a borrower after reading a plurality of legal documents related to mortgage;

signing each legal document based on the signature information of the borrower;

and sending the legal documents related to the mortgage registration in the signed legal documents to a real estate registration center to realize online mortgage registration.

2. The online mortgage registration method of claim 1, wherein in the event that the borrower is not unique, the online mortgage registration method further comprises: and respectively acquiring the signature information of each borrower.

3. The online mortgage registration method of claim 1, further including, after obtaining signature information provided by the borrower after reading a plurality of legal documents associated with the mortgage: and verifying the borrower through a specified verification mode.

4. The online mortgage registration method of claim 3, wherein the designated authentication means includes at least one or more of the following authentication means: face recognition, networking check, short message verification and CFCA authentication.

5. The online mortgage registration method of claim 1, further including, after obtaining signature information provided by the borrower after reading a plurality of legal documents associated with the mortgage:

and acquiring an audit conclusion of bank staff, and signing each legal document based on the signature information of the borrower under the condition that the audit conclusion is passed.

6. The online mortgage registration method of claim 1 or 5, further comprising, after signing each legal document:

calling the electronic seal of the bank in response to the identity verification passing information of the bank staff;

and stamping the electronic seal for the related legal documents.

7. The online mortgage registration method of claim 1, further comprising:

and acquiring an electronic ticket sent by the real estate registration center, and judging whether to put money to the borrower or not based on the electronic ticket.

8. The online mortgage registration method of claim 7, wherein signed legal documents are recorded, along with the electronic ticket.

9. An online mortgage registration system comprising a processor configured to:

acquiring signature information provided by a borrower after reading a plurality of legal documents related to mortgage;

signing each legal document based on the signature information of the borrower;

and sending the legal documents related to the mortgage registration in the signed legal documents to a real estate registration center to realize online mortgage registration.

10. A non-transitory computer readable medium having instructions stored thereon, wherein the instructions, when executed by a processor, perform the online mortgage registration method of any one of claims 1-8.

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