CN109559219A - A kind of loan fund monitoring method and device - Google Patents
A kind of loan fund monitoring method and device Download PDFInfo
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- CN109559219A CN109559219A CN201811330828.8A CN201811330828A CN109559219A CN 109559219 A CN109559219 A CN 109559219A CN 201811330828 A CN201811330828 A CN 201811330828A CN 109559219 A CN109559219 A CN 109559219A
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- 238000000034 method Methods 0.000 title claims abstract description 47
- 238000012544 monitoring process Methods 0.000 title claims abstract description 18
- 238000013475 authorization Methods 0.000 claims abstract description 41
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- 230000005540 biological transmission Effects 0.000 claims description 17
- 238000000605 extraction Methods 0.000 claims description 10
- 239000000284 extract Substances 0.000 claims description 8
- 238000012806 monitoring device Methods 0.000 claims description 6
- 230000008569 process Effects 0.000 description 10
- 230000006399 behavior Effects 0.000 description 6
- 230000007246 mechanism Effects 0.000 description 5
- 230000001105 regulatory effect Effects 0.000 description 4
- 238000004590 computer program Methods 0.000 description 3
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- 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
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The embodiment of the invention provides a kind of loan fund monitoring method and devices, and the present invention relates to block chain technical fields, this method comprises: the contract of renting a house that reception client is sent is with loan application of renting a house, the signing side for contract of renting a house is included at least: lessee, landlord；The contract that will rent a house is stored into block chain；Loan agreement is generated according to contract of renting a house；Loan agreement is sent to fund side and loan application of renting a house；The contract of renting a house stored in block chain is checked by authorization fund side；The record of making loans that reception fund side is sent；By loan agreement and record storage is made loans into block chain.Therefore, technical solution provided in an embodiment of the present invention is able to solve can not monitor the problem of loan fund flows in the prior art.
Description
[technical field]
The present invention relates to block chain technical field more particularly to a kind of loan fund monitoring method and devices.
[background technique]
Client's bankable bill is provided a loan to rent a house, and process is: client proposes loan application to bank, and then, bank examines
Ratify after core, and loan of renting a house is got to the account of client, then client pays house money to landlord.But there are one for this mode
A problem: can not monitor loan fund flow direction, client may take rent a house loan after be used as other purposes.
[summary of the invention]
In view of this, the embodiment of the invention provides a kind of loan fund monitoring method and devices, to solve existing skill
Art can not monitor the problem of loan fund flows to.
On the one hand, the embodiment of the invention provides a kind of loan fund monitoring methods, which comprises receives client
The contract of renting a house sent is with loan application of renting a house, and the signing side of the contract of renting a house includes at least: lessee, landlord；By the rent
Room contract is stored into block chain；Loan agreement is generated according to the contract of renting a house；To fund side send the loan agreement and
The loan application of renting a house；The fund side is authorized to check the contract of renting a house stored in the block chain；Receive the money
The record of making loans that Jin Fang is sent；By the loan agreement and the record storage of making loans into the block chain.
Further, it is described by it is described rent a house contract storage into block chain after, the method also includes: receive institute
State the extraction public accumalation fund for housing construction request of client transmission；The extraction public accumalation fund for housing construction request is sent to common reserve fund center；Authorization
The following contents being stored on the block chain is checked at the common reserve fund center: the contract of renting a house, the lessee reference note
The houseclearing recorded and put on record.
Further, it is described send the loan agreement and the loan application of renting a house to fund side after, the method
Further include: authorize the houseclearing that the contract of renting a house is checked by the fund side, the reference of the lessee records and puts on record.
Further, described by the loan agreement and it is described make loans record storage into the block chain after, institute
State method further include: by the refund record storage of the lessee in the block chain；The block is checked by authorization credit information service
The refund of the lessee stored in chain records.
Further, described by the loan agreement and it is described make loans record storage into the block chain after, institute
State method further include: be stored in the lessee and the landlord in the block chain to the situation of honouring an agreement of the contract of renting a house；
Authorization credit information service checks the lessee stored in the block chain and the landlord to the situation of honouring an agreement of the contract of renting a house.
On the one hand, the embodiment of the invention provides a kind of loan fund monitoring device, described device includes: the first reception list
Member contract and is rented a house loan application for receiving renting a house for client transmission, and the signing side of the contract of renting a house includes at least: renting
Visitor, landlord；First storage unit, for renting a house contract storage into block chain for described；Generation unit, for according to the rent
Room contract generates loan agreement；First transmission unit, for sending the loan agreement and the Shen of providing a loan of renting a house to fund side
Please；First authorization unit, for authorize the fund side check in the block chain store described in rent a house contract；Second receives
Unit, the record of making loans sent for receiving the fund side；Second storage unit, for by the loan agreement and described putting
Money record storage is into the block chain.
Further, described device further include: third receiving unit, for renting a house in first storage unit by described
After contract storage is into the block chain, the extraction public accumalation fund for housing construction request that the client is sent is received；Second sends list
Member extracts public accumalation fund for housing construction request for sending to common reserve fund center；Second authorization unit, for authorizing the common reserve fund center
Check the following contents being stored on the block chain: the contract of renting a house, the reference record of the lessee and the house put on record
Information.
Further, described device further include: third authorization unit, in first transmission unit to the fund
After side sends the loan agreement and the loan application of renting a house, the fund side is authorized to check the contract of renting a house, described
The houseclearing that the reference of lessee records and puts on record.
Further, described device further include: third storage unit, in second storage unit by the loan
Contract and it is described make loans record storage into the block chain after, by the refund record storage of the lessee in the block chain
In；4th authorization unit, the refund record of the lessee for authorizing credit information service to check to store in the block chain.
Further, described device further include: the 4th storage unit, in second storage unit by the loan
Contract and it is described make loans record storage into the block chain after, by the lessee and the landlord to the contract of renting a house
Situation of honouring an agreement is stored in the block chain；5th authorization unit is stored for authorizing credit information service to check in the block chain
The lessee and the landlord to the situation of honouring an agreement of the contract of renting a house.
On the one hand, the embodiment of the invention provides a kind of storage medium, the storage medium includes the program of storage,
In, equipment where controlling the storage medium in described program operation executes above-mentioned loan fund monitoring method.
On the one hand, the embodiment of the invention provides a kind of server, including memory and processor, the memory is used for
Storage includes the information of program instruction, and the processor is used to control the execution of program instruction, and described program is instructed by processor
The step of loading and realizing above-mentioned loan fund monitoring method when executing.
In inventive embodiments, the contract that will rent a house is stored into block chain, sends loan application of renting a house, fund to fund side
It just receives after renting a house loan application, to renting a house, loan is audited, after the approval, loan agreement is signed with lessee, and
Fund is made loans to landlord, in this process, the account that fund needs not move through lessee carries out transfer, has prevented loan of renting a house
It is used as the possibility of other purposes, has achieved the effect that monitor loan fund flow direction.
[Detailed description of the invention]
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this field
For those of ordinary skill, without any creative labor, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of flow chart of loan fund monitoring method provided in an embodiment of the present invention；
Fig. 2 is a kind of schematic diagram of loan fund monitoring device provided in an embodiment of the present invention；
Fig. 3 is a kind of schematic diagram of server provided in an embodiment of the present invention.
[specific embodiment]
For a better understanding of the technical solution of the present invention, being retouched in detail to the embodiment of the present invention with reference to the accompanying drawing
It states.
It will be appreciated that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
Its embodiment, shall fall within the protection scope of the present invention.
The term used in embodiments of the present invention is only to be not intended to be limiting merely for for the purpose of describing particular embodiments
The present invention.In the embodiment of the present invention and the "an" of singular used in the attached claims, " described " and "the"
It is also intended to including most forms, unless the context clearly indicates other meaning.
It should be appreciated that term "and/or" used herein is only a kind of incidence relation for describing affiliated partner, indicate
There may be three kinds of relationships, for example, A and/or B, can indicate: individualism A, exist simultaneously A and B, individualism B these three
Situation.In addition, character "/" herein, typicallys represent the relationship that forward-backward correlation object is a kind of "or".
The embodiment of the invention provides a kind of loan fund monitoring methods, as shown in Figure 1, this method comprises the following steps:
Step S102 receives rent a house contract and loan application of renting a house that client is sent, and the signing side for contract of renting a house is at least
It include: lessee, landlord.
Step S104, the contract that will rent a house are stored into block chain.
Step S106 generates loan agreement according to contract of renting a house.
Step S108 sends loan agreement to fund side and loan application of renting a house.
The contract of renting a house stored in block chain is checked by step S110, authorization fund side.
Step S112 receives the record of making loans that fund side is sent.
Step S114 by loan agreement and makes loans record storage into block chain.
Fund side can be bank or other lending agencies.Loan fund monitoring method in the embodiment of the present invention is applied to
The server of loan platform, user can provide a loan on loan platform to fund side, and detailed process is as follows for loan: lessee, room
East is signed and rents a house contract, alternatively, lessee, landlord, third party (such as the intermediary that rents a house) sign contract of renting a house, later, by renting
The client of visitor the contract of renting a house and loan application of renting a house are uploaded to loan platform server (there are in third-party situation,
The contract of renting a house and loan application of renting a house can also be uploaded to the server of loan platform by third-party client).Loan is flat
The server of platform will rent a house contract storage into block chain.
The server of loan platform generates loan agreement according to contract of renting a house, and the server for platform of providing a loan is sent to fund side
Loan agreement and loan application of renting a house, and fund side is authorized to check the contract of renting a house stored in block chain, area is checked by fund side
After the contract of renting a house stored in block chain, if agreeing to make loans, fund direction landlord makes loans, and receives fund in the account of landlord,
Fund side generates record of making loans, and record of making loans is sent to the server of loan platform, and the server for platform of providing a loan will provide a loan
Contract and record storage is made loans into block chain.
In embodiments of the present invention, the contract that will rent a house is stored into block chain, sends loan application of renting a house, money to fund side
Jin Fang is received rent a house loan application after, to renting a house, loan is audited, after the approval, with lessee sign loan agreement,
And fund is made loans to landlord, in this process, the account that fund needs not move through lessee carries out transfer, has prevented loan of renting a house
Money is used as the possibility of other purposes, has achieved the effect that monitor loan fund flow direction.
As an alternative embodiment, receiving the extraction public accumalation fund for housing construction request that client is sent；Into common reserve fund
The heart, which is sent, extracts public accumalation fund for housing construction request, and the following contents being stored on block chain is checked at authorization common reserve fund center: contract of renting a house,
The houseclearing that the reference of lessee records and puts on record.After the approval, by public accumalation fund for housing construction landlord is made in common reserve fund center.
During lessee extracts public accumalation fund for housing construction, common reserve fund needs not move through the account of lessee, but directly gets to room
The account in east, prevented the behavior that public accumalation fund for housing construction is diverted to other purpose, the effective monitoring purposes of public accumalation fund for housing construction.
As an alternative embodiment, landlord can issue house before it will rent a house contract storage into block chain
Information of lease, housing bureau carry out houseclearing (situation containing housing quality, house deal record, house lease record etc.) standby
Case, application that lessee checks house lease information and submission is rented a house and reference record check authorization, and credit information service obtains lessee's authorization
Landlord is submitted in the report of its reference to check, landlord agrees to rent a house, the houseclearing and landlord's sheet that need to will put on record in housing bureau
The reference record of people licenses to lessee and checks.Both sides sign contract of renting a house after reaching an agreement.
The program solves the problems, such as mistrustful between lessee and landlord, and the contract of renting a house is uploaded to block chain, can be effective
It prevents from distorting and denying behavior, prevents lessee and landlord both sides' either side from unilaterally breaking one's promise, be effectively protected common interest.
As an alternative embodiment, after sending loan agreement and loan application of renting a house to fund side, authorization money
The houseclearing that Jin Fang checks the contract of renting a house, lessee's reference record and put on record.
In the present solution, whole-process management platform of renting a house is built based on block chain technology, by lessee, landlord, housing bureau, sign
Letter mechanism, fund side, common reserve fund center, regulatory agency are added thereto, and are closed by block chain upper channel and the intelligence reached common understanding
Which mechanism is about rule control various data in whole process of renting a house to as it can be seen that improving the efficiency that lessee handles loan of renting a house,
Personal reference and house lease situation are supervised convenient for regulatory agency.
As an alternative embodiment, authorization credit information service looks by the refund record storage of lessee in block chain
See the refund record of the lessee stored in block chain；Lessee and landlord are stored in block chain to the situation of honouring an agreement for the contract of renting a house
In, authorization credit information service checks the lessee stored in block chain and landlord to the situation of honouring an agreement for the contract of renting a house.
As an alternative embodiment, lessee to landlord issue rent a house apply while or later, authorize the room
East checks that the history of the lessee is rented a house record, and history record of renting a house includes honour an agreement situation of the lessee to the contract of renting a house.
By authorizing landlord to check, the history of lessee is rented a house record, and landlord can be made to know whether the lessee occurred promise breaking
Behavior etc., to facilitate landlord to screen lessee.
The embodiment of the invention provides a kind of loan fund monitoring device, the device is for executing above-mentioned loan fund monitoring
Method, as shown in Fig. 2, the device includes: the first receiving unit 10, the first storage unit 20, the transmission list of generation unit 30, first
First 40, first authorization unit 50, the second receiving unit 60, the second storage unit 70.
First receiving unit 10, for receiving rent a house contract and the loan application of renting a house of client transmission, contract of renting a house
Signing side includes at least: lessee, landlord.
First storage unit 20, for contract storage will to be rented a house into block chain.
Generation unit 30, for generating loan agreement according to contract of renting a house.
First transmission unit 40, for sending loan agreement to fund side and loan application of renting a house.
First authorization unit 50, for authorizing fund side to check the contract of renting a house stored in block chain.
Second receiving unit 60, for receiving the record of making loans of fund side's transmission.
Second storage unit 70, for loan agreement and record storage will to be made loans into block chain.
Fund side can be bank or other lending agencies.Loan fund monitoring device in the embodiment of the present invention is applied to
The server of loan platform, user can provide a loan on loan platform to fund side, and detailed process is as follows for loan: lessee, room
East is signed and rents a house contract, alternatively, lessee, landlord, third party (such as the intermediary that rents a house) sign contract of renting a house, later, by renting
The client of visitor the contract of renting a house and loan application of renting a house are uploaded to loan platform server (there are in third-party situation,
The contract of renting a house and loan application of renting a house can also be uploaded to the server of loan platform by third-party client).Loan is flat
The server of platform will rent a house contract storage into block chain.
The server of loan platform generates loan agreement according to contract of renting a house, and the server for platform of providing a loan is sent to fund side
Loan agreement and loan application of renting a house, and fund side is authorized to check the contract of renting a house stored in block chain, area is checked by fund side
After the contract of renting a house stored in block chain, if agreeing to make loans, fund direction landlord makes loans, and receives fund in the account of landlord,
Fund side generates record of making loans, and record of making loans is sent to the server of loan platform, and the server for platform of providing a loan will provide a loan
Contract and record storage is made loans into block chain.
In embodiments of the present invention, the contract that will rent a house is stored into block chain, sends loan application of renting a house, money to fund side
Jin Fang is received rent a house loan application after, to renting a house, loan is audited, after the approval, with lessee sign loan agreement,
And fund is made loans to landlord, in this process, the account that fund needs not move through lessee carries out transfer, has prevented loan of renting a house
Money is used as the possibility of other purposes, has achieved the effect that monitor loan fund flow direction.
Optionally, device further include: third receiving unit, the second transmission unit, the second authorization unit.Third receives single
Member, for receiving the extraction house that client is sent after the first storage unit 20 will rent a house contract storage into block chain
Common reserve fund request.Second transmission unit extracts public accumalation fund for housing construction request for sending to common reserve fund center.Second authorization unit,
For authorizing common reserve fund center to check the following contents being stored on block chain: contract of renting a house, lessee reference record and put on record
Houseclearing.
During lessee extracts public accumalation fund for housing construction, common reserve fund needs not move through the account of lessee, but directly gets to room
The account in east, prevented the behavior that public accumalation fund for housing construction is diverted to other purpose, the effective monitoring purposes of public accumalation fund for housing construction.
As an alternative embodiment, landlord can issue house before it will rent a house contract storage into block chain
Information of lease, housing bureau carry out houseclearing (situation containing housing quality, house deal record, house lease record etc.) standby
Case, application that lessee checks house lease information and submission is rented a house and reference record check authorization, and credit information service obtains lessee's authorization
Landlord is submitted in the report of its reference to check, landlord agrees to rent a house, the houseclearing and landlord's sheet that need to will put on record in housing bureau
The reference record of people licenses to lessee and checks.Both sides sign contract of renting a house after reaching an agreement.
The program solves the problems, such as mistrustful between lessee and landlord, and the contract of renting a house is uploaded to block chain, can be effective
It prevents from distorting and denying behavior, prevents lessee and landlord both sides' either side from unilaterally breaking one's promise, be effectively protected common interest.
Optionally, device further include: third authorization unit.Third authorization unit, in the first transmission unit 40 to money
After Jin Fang sends loan agreement and loan application of renting a house, the contract of renting a house is checked by authorization fund side, the reference of lessee records and standby
The houseclearing of case.
Optionally, device further include: third storage unit, the 4th authorization unit.Third storage unit, for being deposited second
Storage unit 70 is by loan agreement and after making loans record storage into block chain, by the refund record storage of lessee in block chain
In.4th authorization unit, the refund record of the lessee for authorizing credit information service to check to store in block chain.
Optionally, device further include: the 4th storage unit, the 5th authorization unit.4th storage unit, for being deposited second
Storage unit 70 is by loan agreement and after making loans record storage into block chain, by lessee and landlord to the feelings of honouring an agreement for the contract of renting a house
Condition is stored in block chain.5th authorization unit, the lessee and landlord couple stored for authorizing credit information service to check in block chain
It rents a house the situation of honouring an agreement of contract.
As an alternative embodiment, lessee to landlord issue rent a house apply while or later, authorize the room
East checks that the history of the lessee is rented a house record, and history record of renting a house includes honour an agreement situation of the lessee to the contract of renting a house.
By authorizing landlord to check, the history of lessee is rented a house record, and landlord can be made to know whether the lessee occurred promise breaking
Behavior etc., to facilitate landlord to screen lessee.
In the present solution, whole-process management platform of renting a house is built based on block chain technology, by lessee, landlord, housing bureau, sign
Letter mechanism, fund side, common reserve fund center, regulatory agency are added thereto, and are closed by block chain upper channel and the intelligence reached common understanding
Which mechanism is about rule control various data in whole process of renting a house to as it can be seen that improving the efficiency that lessee handles loan of renting a house,
Personal reference and house lease situation are supervised convenient for regulatory agency.
On the one hand, the embodiment of the invention provides a kind of storage medium, storage medium includes the program of storage, wherein
Equipment where control storage medium executes following steps when program is run: receiving rent a house contract and loan of renting a house that client is sent
Application, the signing side for contract of renting a house include at least: lessee, landlord；The contract that will rent a house is stored into block chain；According to the contract of renting a house
Generate loan agreement；Loan agreement is sent to fund side and loan application of renting a house；Authorization fund side, which is checked, to be stored in block chain
It rents a house contract；The record of making loans that reception fund side is sent；By loan agreement and record storage is made loans into block chain.
Optionally, when program is run, equipment where control storage medium executes following steps: in the contract storage that will rent a house
After into block chain, the extraction public accumalation fund for housing construction request that client is sent is received；It is sent to common reserve fund center and extracts house public affairs
Product gold request；Authorization common reserve fund center check the following contents being stored on block chain: contract of renting a house, lessee reference record and
The houseclearing put on record.
Optionally, when program is run, equipment where control storage medium executes following steps: sending and provides a loan to fund side
After contract and loan application of renting a house, the houseclearing that the contract of renting a house is checked by fund side, the reference of lessee records and puts on record is authorized.
Optionally, when program is run, equipment where control storage medium executes following steps: loan agreement and will put
After money record storage is into block chain, by the refund record storage of lessee in block chain；Block is checked by authorization credit information service
The refund of the lessee stored in chain records.
Optionally, when program is run, equipment where control storage medium executes following steps: loan agreement and will put
After money record storage is into block chain, lessee and landlord are stored in block chain the situation of honouring an agreement for the contract of renting a house；Authorization
Credit information service checks the lessee stored in block chain and landlord to the situation of honouring an agreement for the contract of renting a house.
On the one hand, the embodiment of the invention provides a kind of servers, including memory and processor, and memory is for storing
Information including program instruction, processor is used to control the execution of program instruction, when program instruction is loaded and executed by processor
The contract of renting a house for receiving client transmission is performed the steps of with loan application of renting a house, the signing side for contract of renting a house includes at least:
Lessee, landlord；The contract that will rent a house is stored into block chain；Loan agreement is generated according to contract of renting a house；It sends and provides a loan to fund side
Contract and loan application of renting a house；The contract of renting a house stored in block chain is checked by authorization fund side；What reception fund side was sent makes loans
Record；By loan agreement and record storage is made loans into block chain.
Optionally, it performs the steps of when program instruction is loaded and executed by processor and stores in the contract that will rent a house to area
After in block chain, the extraction public accumalation fund for housing construction request that client is sent is received；It is sent to common reserve fund center and extracts public accumalation fund for housing construction
Request；Authorization common reserve fund center check the following contents being stored on block chain: contract of renting a house, lessee reference record and put on record
Houseclearing.
Optionally, it is performed the steps of when program instruction is loaded and executed by processor to fund side and sends loan agreement
After loan application of renting a house, the houseclearing that the contract of renting a house is checked by fund side, the reference of lessee records and puts on record is authorized.
Optionally, it performs the steps of when program instruction is loaded and executed by processor and by loan agreement and is making loans note
After address book stored is into block chain, by the refund record storage of lessee in block chain；Authorization credit information service is checked in block chain
The refund of the lessee of storage records.
Optionally, it performs the steps of when program instruction is loaded and executed by processor and by loan agreement and is making loans note
After address book stored is into block chain, lessee and landlord are stored in block chain the situation of honouring an agreement for the contract of renting a house；Authorize reference
Mechanism checks the lessee stored in block chain and landlord to the situation of honouring an agreement for the contract of renting a house.
Fig. 3 is a kind of schematic diagram of server provided in an embodiment of the present invention.As shown in figure 3, the server of the embodiment
50 include: processor 51, memory 52 and are stored in the computer program that can be run in memory 52 and on processor 51
53, the loan fund monitoring method in embodiment is realized when which is executed by processor 51, to avoid repeating, this
Place does not repeat one by one.Alternatively, being realized when the computer program is executed by processor 51 in embodiment in loan fund monitoring device
The function of each model/unit does not repeat one by one herein to avoid repeating.
Server 50 may include, but be not limited only to, processor 51, memory 52.It will be understood by those skilled in the art that figure
3 be only the example of server 50, does not constitute the restriction to server 50, may include than illustrating more or fewer portions
Part perhaps combines certain components or different components, such as server 50 can also connect including input-output equipment, network
Enter equipment, bus etc..
Alleged processor 51 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), field programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
Memory 52 can be the internal storage unit of server 50, such as the hard disk or memory of server 50.Memory
52 are also possible to the plug-in type hard disk being equipped on the External memory equipment of server 50, such as server 50, intelligent memory card
(Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Into
One step, memory 52 can also both internal storage units including server 50 or including External memory equipment.Memory 52
For other programs and data needed for storing computer program and server 50.Memory 52 can be also used for temporarily depositing
Store up the data that has exported or will export.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided by the present invention, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or group
Part can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown
Or the mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, device or unit it is indirect
Coupling or communication connection can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one
In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer
It is each that device (can be personal computer, server or network equipment etc.) or processor (Processor) execute the present invention
The part steps of embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (Read-
Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic or disk etc. it is various
It can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.
Claims (10)
1. a kind of loan fund monitoring method, which is characterized in that the described method includes:
The contract of renting a house of client transmission is received with loan application of renting a house, the signing side of the contract of renting a house includes at least: lessee,
Landlord；
Contract storage is rented a house into block chain by described；
Loan agreement is generated according to the contract of renting a house；
The loan agreement and the loan application of renting a house are sent to fund side；
The fund side is authorized to check the contract of renting a house stored in the block chain；
Receive the record of making loans that the fund side is sent；
By the loan agreement and the record storage of making loans into the block chain.
2. the method according to claim 1, wherein the contract of renting a house is stored into block chain it described
Afterwards, the method also includes:
Receive the extraction public accumalation fund for housing construction request that the client is sent；
The extraction public accumalation fund for housing construction request is sent to common reserve fund center；
The common reserve fund center is authorized to check the following contents being stored on the block chain: the contract of renting a house, the lessee
Reference record and the houseclearing put on record.
3. the method according to claim 1, wherein described send the loan agreement and the rent to fund side
After housing loan application, the method also includes:
Authorize the houseclearing that the contract of renting a house is checked by the fund side, the reference of the lessee records and puts on record.
4. the method according to claim 1, wherein the loan agreement and the record of making loans are deposited described
After storing up in the block chain, the method also includes:
By the refund record storage of the lessee in the block chain；
The refund record of the lessee stored in the block chain is checked by authorization credit information service.
5. method according to any one of claims 1 to 4, which is characterized in that described by the loan agreement and described
After record storage of making loans is into the block chain, the method also includes:
The lessee and the landlord are stored in the block chain situation of honouring an agreement of the contract of renting a house；
Authorization credit information service checks that the lessee stored in the block chain and the landlord honour an agreement to the contract of renting a house
Situation.
6. a kind of loan fund monitoring device, which is characterized in that described device includes:
First receiving unit, for receiving rent a house contract and the loan application of renting a house of client transmission, the label of the contract of renting a house
The side of ordering includes at least: lessee, landlord；
First storage unit, for renting a house contract storage into block chain for described；
Generation unit, for renting a house according to, contract generates loan agreement；
First transmission unit, for sending the loan agreement and the loan application of renting a house to fund side；
First authorization unit, for authorize the fund side check in the block chain store described in rent a house contract；
Second receiving unit, the record of making loans sent for receiving the fund side；
Second storage unit, for by the loan agreement and the record storage of making loans into the block chain.
7. device according to claim 6, which is characterized in that described device further include:
Third receiving unit, for first storage unit by it is described rent a house contract storage into the block chain after,
Receive the extraction public accumalation fund for housing construction request that the client is sent；
Second transmission unit extracts public accumalation fund for housing construction request for sending to common reserve fund center；
Second authorization unit, the following contents being stored on the block chain for authorizing the common reserve fund center to check: described
It rents a house contract, the reference record of the lessee and the houseclearing put on record.
8. device according to claim 6, which is characterized in that described device further include:
Third authorization unit, for sending the loan agreement to the fund side in first transmission unit and described renting a house
After loan application, the house that the contract of renting a house is checked by the fund side, the reference of the lessee records and puts on record is authorized to believe
Breath.
9. a kind of storage medium, which is characterized in that the storage medium includes the program of storage, wherein run in described program
When control the storage medium where equipment perform claim require any one of 1 to 5 described in loan fund monitoring method.
10. a kind of server, including memory and processor, the memory is for storing the information including program instruction, institute
Processor is stated for controlling the execution of program instruction, it is characterised in that: described program instruction is real when being loaded and executed by processor
The step of loan fund monitoring method described in existing claim 1 to 5 any one.
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| CN201811330828.8A CN109559219A (en) | 2018-11-09 | 2018-11-09 | A kind of loan fund monitoring method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811330828.8A CN109559219A (en) | 2018-11-09 | 2018-11-09 | A kind of loan fund monitoring method and device |
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| CN201811330828.8A Pending CN109559219A (en) | 2018-11-09 | 2018-11-09 | A kind of loan fund monitoring method and device |
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| CN111696019A (en) * | 2020-06-08 | 2020-09-22 | 中国联合网络通信集团有限公司 | House signing information recording method based on block chain and house signing management node |
| CN113449340A (en) * | 2021-07-09 | 2021-09-28 | 中国银行股份有限公司 | Stock house transaction fund supervision method and device based on alliance chain |
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