CN106204265A - Halfpace is utilized to complete the method and system of house prosperity transaction loan - Google Patents
Halfpace is utilized to complete the method and system of house prosperity transaction loan Download PDFInfo
- Publication number
- CN106204265A CN106204265A CN201610525257.8A CN201610525257A CN106204265A CN 106204265 A CN106204265 A CN 106204265A CN 201610525257 A CN201610525257 A CN 201610525257A CN 106204265 A CN106204265 A CN 106204265A
- Authority
- CN
- China
- Prior art keywords
- loan
- buyer
- information
- halfpace
- house
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/16—Real estate
- G06Q50/167—Closing
Abstract
The invention discloses a kind of method and system utilizing halfpace to complete house prosperity transaction loan, this method utilizing halfpace to complete house prosperity transaction loan includes: real-name authentication process；Source of houses & credit check process；House prosperity transaction & Fund Supervision process and loan application process.The present invention selects lending bank to recommend according to situation and the source of houses character of applicant, selected to need the bank of loan, reduce loan cost by creditor, by completing application and the tracking of loan on line, ensure transaction verity, raising counterparty's degree of belief, simple operation, be more easy to facilitate transaction.
Description
Technical field
The present invention relates to e-commerce field, particularly relate to a kind of side utilizing halfpace to complete house prosperity transaction loan
Method and system.
Background technology
Traditional house prosperity transaction pattern is carried out face-to-face, i.e. buyer and seller with the help of intermediary directly facing face
Carry out validation of information and contract signing, and relate to described in during house prosperity transaction housing loan formality, transfer etc.
All must by both party or wherein a side handle face to face to relevant unit or department.And the kind of housing loan now and policy complexity are many
Sample, has common reserve fund loan, business to borrow and combine loan etc., and the process of exchange of the different source of houses has different loan policies, and
Different house purchaser's loan repayment capacity difference loan policies is the most different.
Need to submit to the personal information such as contact method of client handling loan process, in order to ensure the reliability of data,
Many data need client to submit to face to face, and need to lack checking material, checking house property, checking individual's verity etc.,
Loan transaction needs professional person to provide service during handling, and therefore process is extremely inconvenient.
And existing to carry out the wind control technological means of housing loan by the Internet complete, there is problems in that
1, data age is poor, and loan process needs the verity of checking transaction, process of exchange ageing critically important, hands over
Easily transfer and batch the loan front checking source of houses and reference situation, need acquisition in time is the data of current time point, does not the most still have skill
Art can obtain collage-credit data and the status data of the transaction source of houses in time.
2, rule verification lacks, and current loan is more the loan silver in the common reserve fund center of prefectures and cities and each place
Row carry out credit risk management, center, various places and various places bank according to respective wind regulatory control be then provided with the different loan upper limit,
Down payment lower limit, the time limit etc., and it is different to participate in batch verification rule borrowed, and therefore provides a loan and mostly needs different bank to provide a loan
Professional person participates in teaching.
3, data accuracy lacks, and the data that loan relates to includes taking in proof, house property assessment, reference, trade contract etc.
Many application materials, the verity of these materials and accuracy, it is difficult to accomplish to examine one by one with current technology, the most relatively great Cheng
The risk cheated loan can be there is on degree, great fund security hidden danger can be there is when Real Estate Price is gone down hill, and,
Data transmission procedure may be tampered or steal.
Summary of the invention
It is an object of the invention to, it is provided that a kind of method utilizing halfpace to complete house prosperity transaction loan, existing to solve
There is the skill poor by the Internet application house property loan data age in technology, rule verification lacks and data accuracy lacks
Art problem.
It is another object of the invention to provide a kind of system utilizing halfpace to complete house prosperity transaction loan, to solve
In prior art, rule verification shortage poor by the Internet application house property loan data age and data accuracy lack
Technical problem.
The present invention is achieved in that
The invention provides a kind of method utilizing halfpace to complete house prosperity transaction loan, including:
Thering is provided a halfpace, described halfpace is set up and the communication terminal of buyer, the communication terminal of seller, intermediary machine
The communication of structure and transaction terminal, bluetooth move POS, the subsystem of industrial and commercial administration mechanism, association of intermediary subsystem, credit information service
Subsystem, house prosperity transaction mechanism subsystem, the subsystem of Zhu Jian administrative organization, public relation education mechanism subsystem and bank machine
Communication connection between the subsystem of structure；
ID card information, phone number and bank card information that halfpace is uploaded by described buyer and seller are to buyer
Carry out system of real name certification with seller, and the intermediary's information and introducing broker's information by intermediary being uploaded is sent out
Give industrial and commercial administration mechanism and association of intermediary carries out intermediary's qualification authentication and introducing broker's qualification authentication；
Halfpace obtains, by rear, the information of real estate that seller uploads in seller's system of real name certification, and transfers to build supervisor
Structure and evaluation services mechanism, carried out source of houses certification by Zhu Jian administrative organization, appraisal agency's on-the-spot investigation complete house property value and comment
Estimating, the result of source of houses certification is consulted for halfpace user, and source of houses certification is chosen for halfpace user by rear；
Halfpace obtains the forward purchasing source of houses that buyer uploads, deal message final after consulting according to buyer and seller, raw
Become house prosperity transaction electronic contract and be sent to buyer and seller, and obtaining buyer and seller's electronics label on electronic contract
Name, halfpace verifies whether whether described electronic signature be consistent with the backup information in halfpace, if then completing online
Contract Signing；
Halfpace obtains buyer and the essential information of common refund people and credit information, and according to the personal credit of buyer
House prosperity transaction information in information and contract sends lending bank's recommendation information to buyer, and receives what buyer finally selected
Pattern of lending；
Halfpace obtains the terms of loan of each lending agency, according to demand for loan and the terms of loan platform of buyer
The lending agency joined, recommends lending bank to buyer and requires buyer's side information；
Information of real estate is sent to appraisal agency by halfpace, and appraisal agency obtains after information of real estate carries out on-the-spot investigation
Pre-Evaluation is reported, halfpace obtains the Pre-Evaluation report of appraisal agency and is sent to both parties；
Halfpace is veritified and follows the tracks of house prosperity transaction information, pattern of lending, the purchased houseclearing selected according to buyer, buys
Family's loan repayment capacity, personal credit information, public accumalation fund for housing construction pay situation and lending bank makes loans, and rule generates different bank
Can the amount of the loan and can the length of maturity, halfpace obtains the lending bank that finally determines of buyer and pattern of lending, public to house
Ji Jin administrative organization and/or business bank's online application loan for purchasing house；
Halfpace calculates house-purchase down payment and the amount of the loan according to assessment valency and the activity price of the source of houses, and will house-purchase
Down payment and the amount of the loan are at least sent to buyer；
Halfpace moves POS by bluetooth and obtains the house-purchase first payment that buyer provides the supervision being stored in appointed bank
The reconciliation voucher of fund account；
Halfpace obtains electronic authorization book and the applying for electronic material of buyer authorized bank inquiry reference, submits bank to
Mechanism inquires about reference and examines loan limit online, and management of housing fund mechanism and/or lending bank examine material online, logical
Crossing halfpace and veritify transaction verity and applicant's real-name authentication situation, loan approval results is bought by halfpace notice
Sell both sides.
Further, when buyer, seller's system of real name certification, and when buyer and seller sign electronic contract, acquisition is bought
The video information of family and seller is for video assistant authentification.
Further, described halfpace is by special line, VPN or ciphering signature link link channel and industrial and commercial administration mechanism
Subsystem, credit information service's subsystem, association of intermediary subsystem, management of housing fund center subsystem, Zhu Jian administrative organization
Subsystem and banking institution subsystem set up communication connection.
Further, the buyer and lending bank's finished surface label, complete transaction under both parties' line, logical in loan for purchasing house examination & verification
Later, it is issued to management of housing fund mechanism and/or commercial bank loans fund supervise fund account and by supervision silver
Go loan settlement.
Further, described supervision fund account include service prescription account unit for recording commission receivable or deduction,
Source of houses prescription account unit is used for recording receivable house money, and loan prescription account unit is for recording the loan turnover in process of exchange
Situation, and interest-bearing unit bears interest for recording the fund product stopped in loan account.
The invention provides a kind of system utilizing halfpace to complete house prosperity transaction loan,
Including buyer's communication terminal, seller's communication terminal, intermediary's communication transaction terminal and halfpace, halfpace
Including application server and channel server；
Described buyer's communication terminal for upload buyer personally identifiable information, upload forward purchasing information of real estate, browse centre
Disclosed true information of real estate and sign house purchase contract online on platform, uploads loan material information, selects lending agency to carry
Delivery money data, moves POS by connection bluetooth and completes first payment payment of providing a loan, and described personally identifiable information includes identity card
Information, phone number and bank card information；
Described seller's communication terminal is for uploading the personally identifiable information of seller, uploading true information of real estate and the most only
Family or nonexclusive trust are sold house, are signed house purchase contract, and described personally identifiable information includes ID card information, phone number and bank
Card information；
Described application server includes real-name authentication unit, signing unit, loan application unit and supervision fund account list
Unit；
Real-name authentication unit is for ID card information, phone number and the bank card information pair uploaded according to buyer and seller
Buyer and seller carry out system of real name certification, and intermediary's information and the introducing broker's information intermediary uploaded are sent out
Give industrial and commercial administration mechanism, association of intermediary carries out intermediary's qualification authentication and introducing broker's qualification authentication；
Signing unit is for the information of the forward purchasing source of houses uploaded according to buyer with according to final after buyer and seller's consultation
Deal message, generates house prosperity transaction electronic contract and is sent to buyer and seller, and obtains buyer with seller at electronic contract
On electronic signature, halfpace verify described electronic signature whether whether be consistent with the backup information in halfpace, if
Then complete online Contract Signing；
Supervision fund account unit be used for the buyer supervise the hook of payment funding to, supervise and tie pair, by source of houses side
The deposit that the sub-account Single Component Management buyer prestores, house-purchase other first payments of prestoring of the prescription account Single Component Management buyer and loan
Fund, service prescription account Single Component Management intermediary or the commission of service organization；
Loan application unit calculates house-purchase down payment and the amount of the loan for the assessment valency according to the source of houses and activity price,
And house-purchase down payment and the amount of the loan to be at least sent to buyer, and according to the room in the personal credit information of buyer and contract
Produce Transaction Information and send lending bank's recommendation information to buyer, and receive the pattern of lending that buyer finally selectes；Loan application list
Unit is additionally operable to veritify and follow the tracks of house prosperity transaction information, and inquires about the personal credit information of buyer and feelings paid by public accumalation fund for housing construction
Condition, pays situation finally according to the pattern of lending selected by buyer, house prosperity transaction information, personal credit information and public accumalation fund for housing construction
To management of housing fund mechanism and/or business bank's online application loan for purchasing house；
Described channel server includes trade center unit, common reserve fund center cell, reference unit, assessment unit, loan
Bank's unit and loan settlement unit, halfpace is set up and credit information service's subsystem, house prosperity transaction machine by channel server
Communication connection between structure subsystem, management of housing fund center subsystem and the subsystem of banking institution；
Trade center unit docks with house prosperity transaction mechanism subsystem, is used for submitting house prosperity transaction data, and examine and
Follow-up transaction progress；
Common reserve fund center cell docks with management of housing fund center subsystem, is used for inquiring about buyer's common reserve fund and pays feelings
Condition, and be used for applying for Accumulation Fund Loan；
Reference unit, for dock with credit information service subsystem, has been used for the individual during the submission of loan application data
Reference is connected and examines；
Assessment unit is for transferring to appraisal agency to carry out house property value the information of real estate uploaded after seller's system of real name certification
Assessment；
Lending bank's unit docks with loan application bank, is used for applying for purchase house commercial loans or loan portfolio；
Loan settlement unit docks with loan application bank and/or management of housing fund subsystem, has been used for clearing
House money, loan and the interest deduction provided.
Further, described buyer's communication terminal and seller's communication terminal include video assistant authentification unit, for
When buyer, seller's system of real name certification, and when buyer and seller sign electronic contract, the video information obtaining buyer and seller is entered
Row video assistant authentification.
Further, described channel server is by special line, VPN or ciphering signature link link channel and industrial and commercial administration machine
The subsystem of structure, credit information service's subsystem, association of intermediary subsystem, management of housing fund subsystem, Zhu Jian administrative organization
The subsystem of subsystem and banking institution sets up communication connection.
Further, described supervision fund account unit includes servicing prescription account unit for recording commission receivable or carrying
Becoming, source of houses prescription account unit is used for recording receivable house money, and loan prescription account unit is for recording the loan in process of exchange
Turnover situation, and interest-bearing unit bears interest for recording the fund product stopped in loan account.
The invention have the benefit that the present invention is built by each terminal involved during halfpace and house prosperity transaction
Vertical communication connects, and not only substantially increases the efficiency of house prosperity transaction, also ensure that the safety that data are transmitted simultaneously, and,
Significant data data all have employed strict verification process, it is ensured that the verity of data and effectiveness, and effective guarantee transaction is true
Property, improve counterparty's degree of belief, simple operation, be more easy to facilitate transaction；The present invention is always according to the situation of loan application people and room
Source character selects lending bank's recommendation, creditor select to need the bank of loan, reduce loan cost, by completing loan on line
The application of money and tracking.Can directly be transferred ownership by rear notice both parties by line of the present invention pre-batch, make user experience
More humane to loan process；Can directly use the bluetooth of transaction terminal to move POS when paying down payment to swipe the card payment, no
With running bank or going to open Net silver and Mobile banking, solve wholesale payment and Net silver mobile terminal lack the problem that wholesale pays,
Improve the convenience of payment.
By the present invention, buyer's communication terminal, seller's communication terminal, service organization are communicated and the linking of transaction terminal, with
And the information of real estate of seller is docked to the system of building carries out the technological means of real-time verification, not only ensure source of houses verity but also protected
Hinder the tracking (can obtain the source of houses whether mortgaged or status information that law court closes down) of source of houses state in process of exchange, allowed friendship
Easily related side can understand the current state of this transaction source of houses in time.By the present invention by banking institution, lender, firmly build, public
Long-pending gold central authority is mutually linked around transaction, has i.e. ensured that transaction is true, in turn ensure that data validity and promptness.
Veritified by the real-name authentication of the present invention, the source of houses and credit, transaction and Fund Supervision, each link of loan application
Material has first ensured that real-name authentication, house and participant credit are veritified and fund enters and could submit loan Shen after supervising to
Please, the material of application process finally needs face to sign examination & verification, and middle swindle has influence on creditor's credit the most at last, and system data is adopted
Collection and transmitting procedure whole process accomplish anti-eavesdrop and anti-tamper, and final data is stored at lending agency by system transfers, because of
This can effectively ensure true, the timely and safety of data of transmission of transaction.
The borrowing needs of each lending agency, comprehensively the wind control examination & verification of the loan of each lending agency is gathered by the present invention
Requirement, by loan verification parameter of regularity and structuring, system according to the suitable low loan cost of condition priority match of buyer,
The lending agency of high service evaluation selects for user, promotes the marketization and improves user satisfaction.
Issue demand by the buyer of the present invention, service side issue the intelligence of resource bring together subsystem (according to condition label, from
Definition label, behavior label, credit facility label, distance degree of association, hobby degree of association and label weight etc.) automatically bring together
Coupling and the prioritizing selection in propelling movement path, improve coupling pushing efficiency, obtains preferential by robbing the high matching algorithm of Subsystem
Notified chance preferential competition for orders, by user independently by matching degree screening negotiation Service Order after competition for orders.
Accompanying drawing explanation
Fig. 1 is for completing the module frame chart of the halfpace of house prosperity transaction loan in embodiment of the present invention；
Fig. 2 is that embodiment of the present invention utilizes halfpace to complete the particular flow sheet of the method that house prosperity transaction is provided a loan.
Detailed description of the invention
By describing the technology contents of the present invention, structural feature in detail, being realized purpose and effect, below in conjunction with embodiment
And coordinate accompanying drawing to be explained in detail.
A kind of halfpace for completing house prosperity transaction loan of embodiment of the present invention, this halfpace includes client
End, load equalizer (application and the load balancing of channel server, it is possible to automatically transaction allocation to multiple stage is applied according to accessing
On server or channel server, sharing transaction pressure, the load equalizer of application and channel is each a set of), application server and
Channel server, during real trade, client is divided into the communication terminal of buyer, the communication terminal of seller and intermediary
Communication transaction terminal；Application server includes that real-name authentication unit, loan application unit, the source of houses are veritified and unit of credit, friendship
Easily and Fund Supervision unit；
The halfpace of house prosperity transaction loan is towards public use, therefore, to assure that the response speed of use, uninterrupted, Gao An
Quan Xing, by the load equalizer of application layer, is assigned to application server cluster, the load balancing of channel layer by application Session loads
Device, uses channel resource and carries out queue chemical combination reason allocation schedule.
Channel server includes trade center unit, common reserve fund center cell, reference unit, assessment unit, lending bank
Unit, loan settlement unit, the function joining application server correlation unit of channel server, the functional independence of each mechanism unit
And safety, link channel and mechanism by special line, VPN or ciphering signature link.
Docked with house prosperity transaction mechanism subsystem by trade center unit, be used for submitting house prosperity transaction data, and complete
Become house prosperity transaction Information Authentication；
Common reserve fund center cell docks with management of housing fund subsystem, is used for inquiring about buyer's common reserve fund and pays situation,
And be used for applying for Accumulation Fund Loan；
Reference unit docks with credit information service subsystem, has been used for the individual reference during loan application data is submitted to
Linking and law court perform information and veritify；
The information of real estate uploaded after seller's system of real name certification is transferred to appraisal agency to carry out house property value assessment by assessment unit；
Lending bank's unit completes loan portfolio or commercial loans application, the house money of loan settlement unit clearing granting, loan
Money and interest deduction.
Real-name authentication unit is for carrying out system of real name certification to buyer, seller, intermediary and introducing broker, in certification
During, according to ID card information, phone number and the bank card information that buyer and seller upload, buyer and seller are carried out reality
Name certification processed, and intermediary's information and the introducing broker's information intermediary uploaded is sent to industrial and commercial administration machine
Structure, association of intermediary carry out intermediary's qualification authentication and introducing broker's qualification authentication.Log in and the user of registration is passing through in fact
House property loan correlation unit repertoire is allowed to use after name authentication ' unit checking identity information.
Loan application unit calculates house-purchase down payment and the amount of the loan for the assessment valency according to the source of houses and activity price,
And house-purchase down payment and the amount of the loan to be at least sent to buyer, and according to the room in the personal credit information of buyer and contract
Produce Transaction Information and send lending bank's recommendation information to buyer, and receive the pattern of lending that buyer finally selectes；Loan application list
Unit is additionally operable to veritify and follow the tracks of house prosperity transaction information, and inquires about the personal credit information of buyer and feelings paid by public accumalation fund for housing construction
Condition, finally according to the pattern of lending selected by buyer, house prosperity transaction information, loan uploaded material, personal credit information and house
Common reserve fund pays situation to management of housing fund mechanism and/or business bank's online application loan for purchasing house.Loan application unit
Solve the various constraintss of loan, select lending bank to recommend according to applicant and source of houses situation, creditor select to need
Bank to be provided a loan, reduce loan cost, by completing application and the tracking of loan on line.
Service prescription account unit record commission receivable or deduction, the source of houses prescription receivable house money of account unit record, loan
Loan turnover situation in prescription account unit record process of exchange.The fund product stopped in interest-bearing module record loan account
Bear interest.
Client (buyer's communication terminal, seller's communication terminal, mediation communication and transaction terminal) include document image unit,
Image unit, pay and swipe the card control unit, signature or fingerprint granted unit.
The original document of process of exchange is taken pictures and is uploaded by document image unit, and image unit provides real name by real-time imaging
Authentication verification, pays control unit of swiping the card and mobile phone terminal becomes POS controls the final drive whole people and pay card reader and complete to swipe the card
Paying, some crucial transaction are increased safety verification by signature and fingerprint granted unit during the course.
Referring to Fig. 2, the method utilizing above-mentioned halfpace to complete house prosperity transaction loan includes:
Real-name authentication process；Source of houses & credit check process；
House prosperity transaction & Fund Supervision process and loan application process.
Wherein, real-name authentication process includes:
Buyer and seller are entered by identity information, phone number and the bank account information uploaded by described buyer and seller
Row system of real name certification, also obtains verification process video information in verification process and assists in identifying for video；Real-name authentication also wraps
Include agency mechanism and broker and service organization and service or the certification of assessment consultant, in intermediary being uploaded
Jie's mechanism information and introducing broker's information are sent to industrial and commercial administration mechanism, employer's organization of real estate intermediary carries out intermediary and clothes
Business mechanism's qualification authentication and the introducing broker of practitioner, services advisor, assessment consulting certification.As buyer, seller
And after intermediary, service organization and broker, services advisor's certification are passed through, all can be tested and inquire about by halfpace.
This process each side to participating in business carries out real-name authentication, is divided into verification for Buyers, seller's certification, factor to recognize
Card, house property medium agency qualification, service organization's certification, service organization's consultant's certification, enterprise institution's certification.
Individual's real-name authentication includes: (buyer, seller, broker, service or assess consultant)
1, phone number certification: by sending random short message verification code, after user receives note, input correct note and test
Card code, checking phone number is the most correct.(docking mobile phone card issuer, additionally reoffers name and identification card number, verifies Mobile phone
Main the most consistent with active user's Real Name)
2, bank authentication: reserve cell-phone number by bank's card number, Real Name, identification card number, bank, send the shortest
The cell-phone number that letter identifying code is reserved to bank, after user receives note, inputs correct short message verification code, and checking bank reserves hands
Plane No. is the most correct, and after reserved mobile phone is correct, transmission card number, name, identification card number, reserved cell-phone number are submitted to bank card and recognize
Card channel, verifies whether this bank card host reserves information with place bank the most consistent.
3, identity card public security certification: by identification card number, identity card effect duration, Real Name, submit public security authentication interface to
Carrying out Information Authentication, Information Authentication effectively and assists in identifying for video by obtaining authenticator's Photograph image after checking again.
4, video assists in identifying certification: by the authenticator's Photograph image obtained, carry out real-time imaging interaction with authenticating party,
Authentication verification person's Photograph image carries out checking with video communication image and mates.
Mechanism's real-name authentication includes: (buyer, seller, intermediary, service organization)
1, industrial and commercial corporate authentication of veritifying: organization names and mechanism are numbered and submits to industry and commerce to carry out information veritification, confirm to veritify
Result existence, business scope, effect duration meet veritification requirement；
2, association of intermediary qualification authentication: (including mechanism and practitioner's qualification authentication) is by organization names, practitioner's name
Claim to carry out authentification of message and submission of putting on record, employer's organization of real estate intermediary confirm current facility and the registration of practitioner and reality
Name state, confirms that intermediary, broker, the service qualification of service organization are authenticated.
Source of houses & credit check process includes:
The personal information uploading buyer and seller transfers to law court to carry out credit check, information of real estate seller uploaded
Zhu Jian administrative organization is transferred to veritify and veritification of visiting.
This process includes that buyer veritifies, seller veritifies, intermediary or service organization veritify；
1, buyer veritifies: after buyer's real-name authentication passes through, and can check that the source of houses that seller passes through firmly to build veritifies result, with
And seller's credit information of the law court's veritification by being completed by intermediary or service organization；
2, seller veritifies: after seller's real-name authentication passes through, and can veritify unit by the source that firmly builds a house and carry out source of houses veritification,
Check veritification result and veritification result is supplied to conclude the business participant buyer and intermediary, and by complete by intermediary or service organization
Buyer's credit information that the law court become veritifies；
3, intermediary or financial service mechanism veritify: after intermediary or financial service mechanism real-name authentication pass through, and authorize seller
Generate and can carry out source of houses veritification by the source veritification unit that firmly builds a house after veritifying order, and examination & verification on the spot of visiting is taken pictures, imaged,
Uploading image and the auditing result of the true source of houses, developer's presell source of houses veritifies unit checking presell license by firmly building licence
The verity of card and effect duration, the credit being veritified the unit veritification transaction buyer or the transaction seller by law court is supplied to provide the seller
Or the wind control personnel of the buyer and service organization.
House prosperity transaction & Fund Supervision process includes:
This process includes house prosperity transaction, sign up agreement on Internet, payment funding & administration module；
1, house prosperity transaction:
Issue including Transaction Information, true source of houses certification and assessment, transaction are brought together, work order of concluding the business and customer relation management；
Halfpace obtains, by rear, the information of real estate that seller uploads in seller's system of real name certification, and transfers to build supervisor
Structure and evaluation services mechanism, carried out source of houses certification by firmly building administrative unit, assessment and intermediary's on-the-spot investigation complete house property
Value assessment and real information examination & verification are issued, and the result of source of houses certification is consulted for halfpace user, and true source of houses certification is passed through
Choose for halfpace user afterwards；
Halfpace obtains the forward purchasing source of houses that buyer uploads, and brings subsystem according to the information of this forward purchasing source of houses together by intelligence
Rob the final deal message after the business negotiation of Subsystem and customer relation management subsystem with competition, generate house prosperity transaction
Electronic contract is also sent to buyer and seller.
2, sign up agreement on Internet:
Halfpace obtains buyer and completes online Contract Signing with seller's CAMEL-Subscription-Information on electronic contract, closes in dealing
During online signing, it is provided that generate the signing contract for the treatment of of the model agreements that area responsible institution is recommended according to area specification
Information generation, contract information provides counterparty check and can carry out Print Contract after generating, and client is true on the contract printed
Recognizing signature, client carries out contract document shooting and uploads adnexa, and sign up agreement on Internet contract includes estate trade contract, Fund Supervision
Certificate of entrustment, between two parties service contract etc., halfpace is transferred to Zhu Jian administrative organization by completing the electronic contract of signing on line and relates to
And banking institution put on record；
3, payment funding & supervise:
Halfpace calculates house-purchase down payment and the amount of the loan according to assessment valency and the activity price of the source of houses, and will house-purchase
Down payment and the amount of the loan are at least sent to buyer；
After contract signing, buyer completes, by signature or fingerprint authorization, payment of swiping the card online, and halfpace leads to
Cross bluetooth move POS obtain buyer provide the house-purchase first payment and be stored in appointed bank supervise fund account reconciliation with
Demonstrate,prove (payment expense also includes the survey fee of payment, intermediary sevices expense, the passage fee etc.), or buyer is transferred accounts by other approach
To the remittance document needing online submission accounting payment of supervision account, halfpace carries out supervision fund and confirms to account, to account
Rear online generate supervision and prove, and prove in the supervision of putting on record of Zhu Jian mechanism, enter house money to account fund by accounting module and protect prison
Pipe account, hooks Transaction Information by pen every day, and supervision account is carried out the paid hook of fund to reconciliation to account fund, it is ensured that
The transaction flow of fund account is consistent with cash flow, only hooks and successful data are allowed clearing, and error processing subsystem is responsible for long
Money and the Error disposal of shortage of money.
Loan application process includes:
Halfpace calculates house-purchase down payment and the amount of the loan according to assessment valency and the activity price of the source of houses, and will house-purchase
Down payment and the amount of the loan are at least sent to buyer；Then carry out online application loan, and carry out list by client communication terminals
Card cell-phone camera uploads loan associated materials adnexa.House prosperity transaction status tracking veritification is carried out, in advance during online application loan
Assessment report is registered, and individual's reference report and common reserve fund pay information inquiry.Last halfpace is according to the loan selected by buyer
Mode, house prosperity transaction information, personal credit information and public accumalation fund for housing construction pay situation to management of housing fund mechanism and/or
Business bank's online application loan for purchasing house.The fund of loan origination be stored in house money protect supervise sub-account, and carry out loan settlement and
House money is protected sub-account and is born interest.
This process includes: the measuring and calculating of lending agency intelligent recommendation, loan valuation and application, loan examination & approval and clearing
1, lending agency intelligent recommendation: halfpace obtains buyer and the essential information of common refund people and credit information,
And send lending bank's recommendation information according to the house prosperity transaction information in the personal credit information of buyer and contract to buyer, with
And receive the pattern of lending that buyer finally selectes；
Halfpace obtains the terms of loan of each lending agency, and (each mechanism can periodically adjust loan bar by platform
Part), according to demand for loan and the lending agency of terms of loan platform coupling of buyer, recommend lending bank and requirement to buyer
Buyer's side information.
2, loan valuation measuring and calculating and application: information of real estate is sent to appraisal agency by halfpace, appraisal agency obtains room
Source information goes out Pre-Evaluation report after carrying out on-the-spot investigation, halfpace obtains the Pre-Evaluation report of appraisal agency and is sent to dealing pair
Side.
Halfpace calculates house-purchase down payment and the amount of the loan according to assessment valency and the activity price of the source of houses, and will house-purchase
Down payment and the amount of the loan are at least sent to buyer, and calculate according to the length of maturity, single-candidate capital or the equal principal of customer selecting
Every amount of monthly repayment, supplements the other materials of loan repayment capacity by rule evaluation client's loan repayment capacity requirement；
Halfpace is veritified and follows the tracks of house prosperity transaction information, pattern of lending, the purchased houseclearing selected according to buyer, buys
Family's loan repayment capacity, personal credit information (People's Bank of China's version reference report and written authorization reference acknowledgment of your inquiry book), public accumalation fund for housing construction
Pay situation and lending bank make loans rule generate different bank can the amount of the loan and can the length of maturity, halfpace obtains
Lending bank that buyer finally determines and pattern of lending and the relevant imaging material filled in and shoot uploaded, amass to house public affairs
Gold administrative organization and/or business bank's online application loan for purchasing house.
3, loan examination & approval and clearing: halfpace obtains electronic authorization book and the application of buyer authorized bank inquiry reference
Electronic material, submits banking institution's inquiry reference to and examines loan limit online, management of housing fund mechanism and/or loan silver
Row examines material online, veritifies transaction verity and applicant's real-name authentication situation by halfpace, approval results of providing a loan
Pre-batch of amount notify both parties by halfpace.
The buyer and lending bank's finished surface label, complete transaction under both parties' line, audits by rear at loan for purchasing house, will live
Room public relation education mechanism and/or commercial bank loans fund are issued to supervise fund account, and after having concluded the business, counterparty initiates
Clearing application, settlement module completes data clearance and completes capital settlement by supervision bank.
House money is protected the clearing of the sub-account of supervision and is included source of houses prescription account settlement, service organization's prescription account settlement, service
The sub-account settlement of practitioner, the sub-account settlement of the buyer, passage take sub-account settlement, distribution participates in prescription account settlement.
The method have the advantages that
1, situation and source of houses character according to loan application people select lending bank to recommend, creditor select to need to borrow
The bank of money, reduction loan cost, by completing application and the tracking of loan on line；
2, concluded the business by guarantee and the verity of the source of houses, improve counterparty's degree of belief, simple operation, be more easy to facilitate transaction.
3, the present invention sets up communication by each terminal that halfpace is involved with during house prosperity transaction and is connected, the most greatly
Improve greatly the efficiency of house prosperity transaction, also ensure that the safety that data are transmitted simultaneously, and, all use in significant data data
Strict verification process, it is ensured that the verity of data and effectiveness；
4, can directly be transferred ownership by rear notice both parties by line of the present invention pre-batch, make user experience and provided a loan
Journey is more humane；
Can directly use the bluetooth of transaction terminal to move POS when 5, paying down payment to swipe the card payment, need not run bank or
Go to open Net silver and Mobile banking, solve wholesale payment and Net silver mobile terminal lacks the problem that wholesale pays, improve payment
Convenience.
6, by the present invention, buyer's communication terminal, seller's communication terminal, service organization are communicated and the linking of transaction terminal,
And the information of real estate of seller be docked to the system of building carry out the technological means of real-time verification, not only ensured source of houses verity but also
Ensure the tracking (can obtain the source of houses whether mortgaged or status information that law court closes down) of source of houses state in process of exchange, allowed
Transaction related side can understand the current state of this transaction source of houses in time.By the present invention by banking institution, lender, firmly build,
Common reserve fund central authority is mutually linked around transaction, has i.e. ensured that transaction is true, in turn ensure that data validity and promptness.
7, veritified by the real-name authentication of the present invention, the source of houses and credit, conclude the business and Fund Supervision, each link of loan application
Material first ensured that real-name authentication, house and participant credit veritify and fund enter supervision after could submit Shen of providing a loan to
Please, the material of application process finally needs face to sign examination & verification, and middle swindle has influence on creditor's credit the most at last, and system data is adopted
Collection and transmitting procedure whole process accomplish anti-eavesdrop and anti-tamper, and final data is stored at lending agency by system transfers, because of
This can effectively ensure true, the timely and safety of data of transmission of transaction.
8, gathered the borrowing needs of each lending agency by the present invention, comprehensively the wind control of the loan of each lending agency is examined
Core requirement, by loan verification parameter of regularity and structuring, system low is provided a loan into according to the condition priority match of buyer is suitable
Originally, the lending agency of high service evaluation also improves user satisfaction for user's selection, the promotion marketization.
9, issue demand by the buyer of the present invention, service side issue the intelligence of resource bring together subsystem (according to condition label,
Customized label, behavior label, credit facility label, distance degree of association, hobby degree of association and label weight etc.) automatically scoop up
Close coupling and push the prioritizing selection in path, improving coupling pushing efficiency, obtaining excellent by robbing the high matching algorithm of Subsystem
First notified chance preferential competition for orders, by user independently by matching degree screening negotiation Service Order after competition for orders.By precisely battalion
Pin improves society's efficiency of operation, all-win.
The foregoing is only embodiments of the invention, not thereby limit the scope of the claims of the present invention, every utilize this
Equivalent structure or equivalence flow process that bright description and accompanying drawing content are made convert, or are directly or indirectly used in other relevant skills
Art field, is the most in like manner included in the scope of patent protection of the present invention.
Claims (9)
1. one kind utilizes the method that halfpace completes house prosperity transaction loan, it is characterised in that including:
Thering is provided a halfpace, described halfpace is set up and the communication terminal of buyer, the communication terminal of seller, intermediary
Communication and transaction terminal, bluetooth move POS, the subsystem of industrial and commercial administration mechanism, association of intermediary subsystem, credit information service's subsystem
System, house prosperity transaction mechanism subsystem, the subsystem of Zhu Jian administrative organization, public relation education mechanism subsystem and banking institution
Communication connection between subsystem；
ID card information, phone number and bank card information that halfpace is uploaded by described buyer and seller to buyer and are sold
Family carries out system of real name certification, and the intermediary's information and introducing broker's information by intermediary being uploaded is sent to
Industrial and commercial administration mechanism and association of intermediary carry out intermediary's qualification authentication and introducing broker's qualification authentication；
Halfpace in seller's system of real name certification by the rear information of real estate uploaded of seller that obtains, and transfer to Zhu Jian administrative organization and
Evaluation services mechanism, is carried out source of houses certification by Zhu Jian administrative organization, appraisal agency's on-the-spot investigation complete house property value assessment, room
The result of source certification is consulted for halfpace user, and source of houses certification is chosen for halfpace user by rear；
Halfpace obtains the forward purchasing source of houses that buyer uploads, deal message final after consulting according to buyer and seller, generates room
Produce transaction e contract and be sent to buyer and seller, and obtaining buyer and seller's electronic signature on electronic contract, in
Between sign electronically described in platform validation and whether whether be consistent with the backup information in halfpace, if then completing online contract label
About；
Halfpace obtains buyer and the essential information of common refund people and credit information, and according to the personal credit information of buyer
And the house prosperity transaction information in contract sends lending bank's recommendation information to buyer, and receive the loan that buyer finally selectes
Mode；
Halfpace obtains the terms of loan of each lending agency, according to the demand for loan of buyer and terms of loan platform coupling
Lending agency, recommends lending bank to buyer and requires buyer's side information；
Information of real estate is sent to appraisal agency by halfpace, and appraisal agency obtains after information of real estate carries out on-the-spot investigation and goes out pre-commenting
Estimating report, halfpace obtains the Pre-Evaluation report of appraisal agency and is sent to both parties；
Halfpace is veritified and follows the tracks of house prosperity transaction information, the pattern of lending selected according to buyer, purchased houseclearing, buyer and also
Situation paid by money ability, personal credit information, public accumalation fund for housing construction and lending bank makes loans, and rule generates borrowing of different bank
The money amount of money and can the length of maturity, halfpace obtains the lending bank that finally determines of buyer and pattern of lending, to public accumalation fund for housing construction
Administrative organization and/or business bank's online application loan for purchasing house；
Halfpace calculates house-purchase down payment and the amount of the loan, and down payment of purchasing house according to assessment valency and the activity price of the source of houses
Buyer at least it is sent to the amount of the loan；
Halfpace moves POS by bluetooth and obtains the house-purchase first payment that buyer provides the supervision fund being stored in appointed bank
The reconciliation voucher of account；
Halfpace obtains electronic authorization book and the applying for electronic material of buyer authorized bank inquiry reference, submits banking institution to
Inquiry reference and examine loan limit online, management of housing fund mechanism and/or lending bank examine material online, by
Between platform veritify transaction verity and applicant's real-name authentication situation, loan approval results is double by halfpace notice dealing
Side.
The method utilizing halfpace to complete house prosperity transaction loan the most according to claim 1, it is characterised in that buying
When family, seller's system of real name certification, and when buyer and seller sign electronic contract, the video information obtaining buyer and seller is used for
Video assistant authentification.
The method utilizing halfpace to complete house prosperity transaction loan the most according to claim 1, it is characterised in that in described
Between platform by special line, VPN or ciphering signature link link channel and the subsystem of industrial and commercial administration mechanism, credit information service's subsystem
System, association of intermediary subsystem, mechanism's subsystem at management of housing fund center, the subsystem of Zhu Jian administrative organization and bank
The subsystem of mechanism sets up communication connection.
The method utilizing halfpace to complete house prosperity transaction loan the most according to claim 1, it is characterised in that Mai Fangyu
Lending bank's finished surface label, complete transaction under both parties' line, audit by rear at loan for purchasing house, by management of housing fund machine
Structure and/or commercial bank loans fund are issued to supervise fund account and complete loan settlement.
The method utilizing halfpace to complete house prosperity transaction loan the most according to claim 1, it is characterised in that described prison
Pipe fund account include service prescription account unit for recording commission receivable or deduction, source of houses prescription account unit be used for record
Receivable house money, loan prescription account unit is for recording the loan turnover situation in process of exchange, and interest-bearing unit is used for remembering
The fund product stopped in record loan account bears interest.
6. one kind utilizes the system that halfpace completes house prosperity transaction loan, it is characterised in that include buyer's communication terminal, seller
Communication terminal, intermediary's communication transaction terminal and halfpace, halfpace includes application server and channel server；
Described buyer's communication terminal for upload buyer personally identifiable information, upload forward purchasing information of real estate, browse halfpace
Upper disclosed true information of real estate and sign house purchase contract online, uploads loan material information, selects lending agency to submit to borrow
Money data, moves POS by connection bluetooth and completes first payment payment of providing a loan, and described personally identifiable information includes that identity card is believed
Breath, phone number and bank card information；
Described seller's communication terminal for upload seller personally identifiable information, upload true information of real estate and online exclusive or
Nonexclusive trust is sold house, is signed house purchase contract, and described personally identifiable information includes ID card information, phone number and bank card letter
Breath；
Described application server includes real-name authentication unit, signing unit, loan application unit and supervision fund account unit；
Real-name authentication unit for ID card information, phone number and the bank card information uploaded according to buyer and seller to buyer
Carry out system of real name certification with seller, and intermediary's information and the introducing broker's information intermediary uploaded are sent to
Industrial and commercial administration mechanism, association of intermediary carry out intermediary's qualification authentication and introducing broker's qualification authentication；
Signing unit is for the information of the forward purchasing source of houses uploaded according to buyer with according to conclusion of the business final after buyer and seller's consultation
Information, generates house prosperity transaction electronic contract and is sent to buyer and seller, and obtains buyer and seller on electronic contract
Electronic signature, whether whether the halfpace described electronic signature of checking be consistent with the backup information in halfpace, if the completeest
Become online Contract Signing；
Supervision fund account unit be used for the buyer supervise the hook of payment funding to, supervise and tie pair, by source of houses prescription account
The deposit that the family Single Component Management buyer prestores, other first payments and loan that the house-purchase prescription account Single Component Management buyer prestores provide
Gold, service prescription account Single Component Management intermediary or the commission of service organization；
Loan application unit calculates house-purchase down payment and the amount of the loan for the assessment valency according to the source of houses and activity price, and will
House-purchase down payment and the amount of the loan are at least sent to buyer, and hand over according to the house property in the personal credit information of buyer and contract
Easily information sends lending bank's recommendation information to buyer, and receives the pattern of lending that buyer finally selectes；Loan application unit is also
For veritifying and follow the tracks of house prosperity transaction information, and inquire about the personal credit information of buyer and situation paid by public accumalation fund for housing construction,
Situation is paid to living afterwards according to the pattern of lending selected by buyer, house prosperity transaction information, personal credit information and public accumalation fund for housing construction
Room public relation education mechanism and/or business bank's online application loan for purchasing house；
Described channel server includes trade center unit, common reserve fund center cell, reference unit, assessment unit, lending bank
Unit and loan settlement unit, halfpace is set up and credit information service's subsystem, house prosperity transaction mechanism by channel server
Communication connection between system, management of housing fund center subsystem and the subsystem of banking institution；
Trade center unit docks with house prosperity transaction mechanism subsystem, is used for submitting house prosperity transaction data, and examines and follow up
Transaction progress；
Common reserve fund center cell docks with management of housing fund center subsystem, is used for inquiring about buyer's common reserve fund and pays situation,
And be used for applying for Accumulation Fund Loan；
Reference unit, for dock with credit information service subsystem, has been used for the individual reference during the submission of loan application data
It is connected and examines；
Assessment unit is for transferring to appraisal agency to carry out house property value assessment the information of real estate uploaded after seller's system of real name certification；
Lending bank's unit docks with loan application bank, is used for applying for purchase house commercial loans or loan portfolio；
Loan settlement unit docks with loan application bank and/or management of housing fund subsystem, has been used for clearing and has provided
House money, loan and interest deduction.
The most according to claim 6 utilize halfpace complete house prosperity transaction loan system, it is characterised in that described in buy
Family's communication terminal and seller's communication terminal include video assistant authentification unit, are used for when in buyer, seller's system of real name certification, with
And buyer and seller are when signing electronic contract, the video information obtaining buyer and seller carries out video assistant authentification.
The system utilizing halfpace to complete house prosperity transaction loan the most according to claim 6, it is characterised in that described canal
Road server is by special line, VPN or ciphering signature link link channel and the subsystem of industrial and commercial administration mechanism, credit information service's subsystem
System, association of intermediary subsystem, management of housing fund subsystem, the subsystem of Zhu Jian administrative organization and the subsystem of banking institution
The vertical communication connection of construction in a systematic way.
The system utilizing halfpace to complete house prosperity transaction loan the most according to claim 6, it is characterised in that described prison
Pipe fund account unit include service prescription account unit for recording commission receivable or deduction, source of houses prescription account unit is used for
Recording receivable house money, loan prescription account unit is for recording the loan turnover situation in process of exchange, and interest-bearing unit is used
The fund product stopped in record loan account bears interest.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610525257.8A CN106204265A (en) | 2016-07-06 | 2016-07-06 | Halfpace is utilized to complete the method and system of house prosperity transaction loan |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610525257.8A CN106204265A (en) | 2016-07-06 | 2016-07-06 | Halfpace is utilized to complete the method and system of house prosperity transaction loan |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106204265A true CN106204265A (en) | 2016-12-07 |
Family
ID=57466349
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610525257.8A Pending CN106204265A (en) | 2016-07-06 | 2016-07-06 | Halfpace is utilized to complete the method and system of house prosperity transaction loan |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106204265A (en) |
Cited By (32)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106789436A (en) * | 2016-12-29 | 2017-05-31 | 深圳微众税银信息服务有限公司 | A kind of reference report-generating method and system |
| CN107292718A (en) * | 2017-06-21 | 2017-10-24 | 李志敏 | Houseclearing management method and server |
| CN107689019A (en) * | 2017-08-22 | 2018-02-13 | 福建省中电网络科技有限公司 | A kind of source of houses checking method and system |
| CN107729501A (en) * | 2017-10-23 | 2018-02-23 | 福州领头虎软件有限公司 | A kind of trading object matching process and system |
| CN107767177A (en) * | 2017-10-23 | 2018-03-06 | 福州领头虎软件有限公司 | A kind of online transaction method |
| CN107845018A (en) * | 2017-10-17 | 2018-03-27 | 链家网（北京）科技有限公司 | A kind of real estate online trading system |
| CN108038779A (en) * | 2017-12-08 | 2018-05-15 | 平安科技（深圳）有限公司 | Video face label identity checking method, device, equipment and readable storage medium storing program for executing |
| CN108053319A (en) * | 2017-12-28 | 2018-05-18 | 珠海金融投资控股集团有限公司 | A kind of state-owned enterprise's buying, lease and transfer of management right operation system and method |
| CN108062729A (en) * | 2017-12-12 | 2018-05-22 | 链家网（北京）科技有限公司 | A kind of source of houses price limit method |
| CN108269193A (en) * | 2016-12-30 | 2018-07-10 | 深圳市青果乐园网络科技有限公司 | Cooling off period based on system of real name data interaction pays a return visit confirmation method and system |
| CN108320163A (en) * | 2018-01-17 | 2018-07-24 | 链家网（北京）科技有限公司 | A kind of video contracting method |
| CN108399235A (en) * | 2018-02-27 | 2018-08-14 | 周像金 | City map decision-making platform |
| CN108492171A (en) * | 2018-03-08 | 2018-09-04 | 平安科技（深圳）有限公司 | Operating method, electronic device and readable storage medium storing program for executing on the line of building property mortgage |
| CN108537658A (en) * | 2018-04-11 | 2018-09-14 | 平安好房（上海）电子商务有限公司 | It rents a house processing method, device, equipment and the readable storage medium storing program for executing of loan |
| CN108573409A (en) * | 2018-04-16 | 2018-09-25 | 湖北师范大学 | A kind of social education resource recommendation system and method |
| CN108647970A (en) * | 2017-10-23 | 2018-10-12 | 福州领头虎软件有限公司 | A kind of efficient verification method and system of electronic evidence |
| CN108648073A (en) * | 2018-05-18 | 2018-10-12 | 深圳壹账通智能科技有限公司 | Credit methods, device, equipment and computer storage media |
| CN108765145A (en) * | 2018-04-18 | 2018-11-06 | 链家网（北京）科技有限公司 | A kind of contract and transaction data consistency desired result method and device |
| CN108961054A (en) * | 2018-06-26 | 2018-12-07 | 方卫均 | A kind of houseclearing transaction platform |
| CN108989360A (en) * | 2018-10-22 | 2018-12-11 | 上海朔羡网络科技有限公司 | Agreement signature system, method, computer equipment and readable storage medium storing program for executing |
| CN109064005A (en) * | 2018-07-27 | 2018-12-21 | 北京中关村科金技术有限公司 | A kind of loan examination & approval task justice auto form delivering system of task based access control priority |
| CN109190669A (en) * | 2018-08-01 | 2019-01-11 | 新疆玖富万卡信息技术有限公司 | A kind of intelligent recommendation method, electronic equipment and computer readable storage medium |
| CN109559009A (en) * | 2018-09-29 | 2019-04-02 | 招商局物业管理有限公司 | A kind of house property business management system |
| CN109711977A (en) * | 2018-11-28 | 2019-05-03 | 厦门和诚智汇信息科技有限公司 | A kind of internet loan data processing method and system based on truck consumption scene |
| WO2019195964A1 (en) * | 2018-04-08 | 2019-10-17 | 深圳盒子信息科技有限公司 | Electronic lending method, apparatus and device |
| CN110766517A (en) * | 2019-09-26 | 2020-02-07 | 北京瑞卓喜创科技发展有限公司 | House purchasing system |
| TWI702561B (en) * | 2018-03-31 | 2020-08-21 | 信義房屋股份有限公司 | Online signing device and method |
| CN112613982A (en) * | 2020-12-24 | 2021-04-06 | 四川享宇金信金融科技有限公司 | Targeted loan product recommendation method and device |
| CN112950318A (en) * | 2021-03-03 | 2021-06-11 | 重庆辽典企业管理咨询有限公司 | Real estate sales management system |
| CN113628039A (en) * | 2020-12-23 | 2021-11-09 | 浙江禾悦智能科技有限公司 | House cloud loan service system |
| CN117422546A (en) * | 2023-12-18 | 2024-01-19 | 四川享宇科技有限公司 | Processing method for preventing illegal money deposit behavior |
| CN112950318B (en) * | 2021-03-03 | 2024-04-26 | 重庆辽典企业管理咨询有限公司 | Real estate sales management system |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101354779A (en) * | 2007-07-24 | 2009-01-28 | 上海华燕房屋经纪有限公司 | Internet real estate service and method |
| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
-
2016
- 2016-07-06 CN CN201610525257.8A patent/CN106204265A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101354779A (en) * | 2007-07-24 | 2009-01-28 | 上海华燕房屋经纪有限公司 | Internet real estate service and method |
| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
Cited By (37)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106789436A (en) * | 2016-12-29 | 2017-05-31 | 深圳微众税银信息服务有限公司 | A kind of reference report-generating method and system |
| CN108269193A (en) * | 2016-12-30 | 2018-07-10 | 深圳市青果乐园网络科技有限公司 | Cooling off period based on system of real name data interaction pays a return visit confirmation method and system |
| CN107292718A (en) * | 2017-06-21 | 2017-10-24 | 李志敏 | Houseclearing management method and server |
| CN107689019A (en) * | 2017-08-22 | 2018-02-13 | 福建省中电网络科技有限公司 | A kind of source of houses checking method and system |
| CN107845018A (en) * | 2017-10-17 | 2018-03-27 | 链家网（北京）科技有限公司 | A kind of real estate online trading system |
| CN108647970A (en) * | 2017-10-23 | 2018-10-12 | 福州领头虎软件有限公司 | A kind of efficient verification method and system of electronic evidence |
| CN107729501A (en) * | 2017-10-23 | 2018-02-23 | 福州领头虎软件有限公司 | A kind of trading object matching process and system |
| CN107767177A (en) * | 2017-10-23 | 2018-03-06 | 福州领头虎软件有限公司 | A kind of online transaction method |
| WO2019080588A1 (en) * | 2017-10-23 | 2019-05-02 | 匡海云 | Transaction object matching method and system |
| CN108734467A (en) * | 2017-10-23 | 2018-11-02 | 福州领头虎软件有限公司 | A kind of fair verification method and system of electronic evidence |
| CN108038779A (en) * | 2017-12-08 | 2018-05-15 | 平安科技（深圳）有限公司 | Video face label identity checking method, device, equipment and readable storage medium storing program for executing |
| WO2019109521A1 (en) * | 2017-12-08 | 2019-06-13 | 平安科技（深圳）有限公司 | Identity approval method, apparatus and device for video interview, and readable storage medium |
| CN108062729A (en) * | 2017-12-12 | 2018-05-22 | 链家网（北京）科技有限公司 | A kind of source of houses price limit method |
| CN108053319A (en) * | 2017-12-28 | 2018-05-18 | 珠海金融投资控股集团有限公司 | A kind of state-owned enterprise's buying, lease and transfer of management right operation system and method |
| CN108320163A (en) * | 2018-01-17 | 2018-07-24 | 链家网（北京）科技有限公司 | A kind of video contracting method |
| CN108399235B (en) * | 2018-02-27 | 2022-02-18 | 周像金 | City map decision-making device |
| CN108399235A (en) * | 2018-02-27 | 2018-08-14 | 周像金 | City map decision-making platform |
| CN108492171A (en) * | 2018-03-08 | 2018-09-04 | 平安科技（深圳）有限公司 | Operating method, electronic device and readable storage medium storing program for executing on the line of building property mortgage |
| TWI702561B (en) * | 2018-03-31 | 2020-08-21 | 信義房屋股份有限公司 | Online signing device and method |
| WO2019195964A1 (en) * | 2018-04-08 | 2019-10-17 | 深圳盒子信息科技有限公司 | Electronic lending method, apparatus and device |
| CN108537658A (en) * | 2018-04-11 | 2018-09-14 | 平安好房（上海）电子商务有限公司 | It rents a house processing method, device, equipment and the readable storage medium storing program for executing of loan |
| CN108573409A (en) * | 2018-04-16 | 2018-09-25 | 湖北师范大学 | A kind of social education resource recommendation system and method |
| CN108765145A (en) * | 2018-04-18 | 2018-11-06 | 链家网（北京）科技有限公司 | A kind of contract and transaction data consistency desired result method and device |
| CN108648073A (en) * | 2018-05-18 | 2018-10-12 | 深圳壹账通智能科技有限公司 | Credit methods, device, equipment and computer storage media |
| CN108961054A (en) * | 2018-06-26 | 2018-12-07 | 方卫均 | A kind of houseclearing transaction platform |
| CN109064005A (en) * | 2018-07-27 | 2018-12-21 | 北京中关村科金技术有限公司 | A kind of loan examination & approval task justice auto form delivering system of task based access control priority |
| CN109190669A (en) * | 2018-08-01 | 2019-01-11 | 新疆玖富万卡信息技术有限公司 | A kind of intelligent recommendation method, electronic equipment and computer readable storage medium |
| CN109559009A (en) * | 2018-09-29 | 2019-04-02 | 招商局物业管理有限公司 | A kind of house property business management system |
| CN108989360A (en) * | 2018-10-22 | 2018-12-11 | 上海朔羡网络科技有限公司 | Agreement signature system, method, computer equipment and readable storage medium storing program for executing |
| CN109711977A (en) * | 2018-11-28 | 2019-05-03 | 厦门和诚智汇信息科技有限公司 | A kind of internet loan data processing method and system based on truck consumption scene |
| CN110766517A (en) * | 2019-09-26 | 2020-02-07 | 北京瑞卓喜创科技发展有限公司 | House purchasing system |
| CN113628039A (en) * | 2020-12-23 | 2021-11-09 | 浙江禾悦智能科技有限公司 | House cloud loan service system |
| CN112613982A (en) * | 2020-12-24 | 2021-04-06 | 四川享宇金信金融科技有限公司 | Targeted loan product recommendation method and device |
| CN112950318A (en) * | 2021-03-03 | 2021-06-11 | 重庆辽典企业管理咨询有限公司 | Real estate sales management system |
| CN112950318B (en) * | 2021-03-03 | 2024-04-26 | 重庆辽典企业管理咨询有限公司 | Real estate sales management system |
| CN117422546A (en) * | 2023-12-18 | 2024-01-19 | 四川享宇科技有限公司 | Processing method for preventing illegal money deposit behavior |
| CN117422546B (en) * | 2023-12-18 | 2024-03-08 | 四川享宇科技有限公司 | Processing method for preventing illegal loan behaviors |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106204265A (en) | Halfpace is utilized to complete the method and system of house prosperity transaction loan | |
| CN106204266A (en) | Halfpace is utilized to complete the method and system of house prosperity transaction loan | |
| CN106157194A (en) | Complete the method and system of house prosperity transaction Fund Supervision based on halfpace | |
| CN106204359A (en) | The method and system of house prosperity transaction Fund Supervision are completed based on halfpace | |
| US20150220892A1 (en) | Platform for the purchase and sale of digital currency | |
| US8612344B2 (en) | Online processing for offshore business transactions | |
| JP6513254B2 (en) | Intermediary-mediated payment system and method | |
| JP5505897B2 (en) | Decentralized capital system method, financial service system, recording medium, and computer system | |
| JP2019061716A (en) | Broker-mediated payment system and method | |
| US20140180919A1 (en) | Push Payment System and Method | |
| US20160328705A1 (en) | Mediated conversion of cryptographic currency and other funding sources to gold | |
| CN107408253A (en) | The safe handling of e-payment | |
| CN101095157A (en) | Safe transaction guaranty | |
| JP2005518011A5 (en) | ||
| US20100100461A1 (en) | Payment transaction system | |
| KR20210152423A (en) | Commodity trading management computer, Commodity trading system and method thereof | |
| JP5592428B2 (en) | System and method for conducting financial transactions over a network | |
| Boison et al. | Money moves: following the money beyond the banking system | |
| KR20200094439A (en) | System and method for loan on real estate based on block chain | |
| CN113989040A (en) | Asset securitization management method and device | |
| US20160210599A1 (en) | Automated Payment System for Consumer Bills | |
| KR102011103B1 (en) | Smart installment financial services method | |
| CN107274170B (en) | Consumption loan management method, storage medium, and system | |
| KR20190110071A (en) | Smart installment financial services system | |
| WO2014140694A1 (en) | Unit credit guarantee (ucg) creation & management platform |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20161207 |
|
| RJ01 | Rejection of invention patent application after publication |