CN110969530A - Real estate transaction system and method based on super account book - Google Patents
Real estate transaction system and method based on super account book Download PDFInfo
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Abstract
The invention discloses a real estate transaction system and a method based on a super account book, wherein the transaction system comprises a login/registration module, a release/cancel transaction application module, a transaction information inquiry module and a control module, and the control module is respectively connected with the login/registration module, the release/cancel transaction application module, the transaction module and the transaction information inquiry module; the real-time information of the real estate is interacted with the shared information of the real estate department database, so that the real-time performance and the effectiveness of the transaction are ensured; the whole real estate buying and selling process is completely communicated by the buyer and the seller, the addition of an intermediary organization is avoided, and the contract signed through the intelligent contract is safe and irreversible.
Description
Technical Field
The invention relates to the technical field of real estate transaction, in particular to a real estate transaction system and a real estate transaction method based on a super account book.
Background
The block chain is used as a non-falsifiable distributed decentralized account book, and the centralization and consensus mechanism of the block chain can effectively overcome the defects of traditional house property transaction. Currently, there are three main directions for the block chain research in the real estate field at home and abroad: (1) building a block chain information sharing platform of immortal property, breaking through data barriers among administrative departments, and enabling data to run instead of an applicant, wherein at present, most of domestic electronic government information platforms such as a block chain information sharing platform of the real property in the bottom of the Rou of Hunan province, a general financial platform in the city of Nanjing and the like; (2) the real estate is placed on a block chain platform, the real estate property is distributed to different people by using an intelligent contract, the investment threshold is reduced, the investment risk is dispersed, but the application of the contract is controversial in various aspects, such as companies of i-house.com in the United states, domestic kaka house networks and the like; (3) a real estate renting and selling platform based on a block chain is built, for example, a first block chain house renting platform in China brought by the New York area, and cases of renting residences and commercial buildings by using the block chain, which are proposed by Ioanis Karampsos and the like.
In the first direction, data barriers are solved among administrative departments, but the function of a block chain intelligent contract cannot be fully utilized to provide effective support for a real estate transaction contract; in the second direction, the division and transfer of real estate property rights belong to the digitization of assets, but in the actual operation, the sale is difficult to register to obtain a certificate of the real estate property rights in a government department, and the investment risk is large; in the third direction, most of the real estate transaction is realized by a leasing platform, so that the real estate transaction is not much, and the real estate transaction is hardly built and maintained by a government department.
Disclosure of Invention
The invention aims to provide a real estate transaction system and a method based on a super account book, so as to solve the problems in the background technology.
In order to achieve the purpose, the invention provides the following technical scheme: a transaction system for performing immobile production based on a super account book comprises a login/registration module, a release/cancellation transaction application module, a transaction information query module and a control module, wherein the control module is respectively connected with the login/registration module, the release/cancellation transaction application module, the transaction module and the transaction information query module.
Preferably, the login/registration module comprises a user registration unit, a user login unit and a user information management unit; the release/cancellation transaction application module comprises a real estate transaction release unit and a release information cancellation unit; the transaction module comprises a contract signing unit, a fund escrow certificate uploading unit and a transaction canceling unit; the transaction information query module comprises a query transaction information unit.
Preferably, the using method comprises the following steps:
A. firstly, both buyers and sellers need to register to log in a system, a user with a non-real-name system can only browse, and any user who wants to buy and sell real estate needs real-name system authentication;
B. the seller makes a real estate sale application by inputting a real estate right certificate number or real estate sitting, the system compares whether the applicant is a real estate property right person or not by calling and registering system information, if the comparison is passed, the seller issues sale information in the system, and simultaneously issues real estate sitting, area, service life and other right conditions real estate information, the seller selects the issue information, but the real estate right needs to be issued if the states such as mortgage check-up exist, and the real estate cannot sign a purchase contract under the mortgage check-up state;
C. the buyer browses the real estate for sale through the system, calls an intelligent contract after selecting the real estate, the buyer and the seller sign together, and if the real estate for sale has a co-holder, the contract must be signed by all the co-holders together;
D. after the contract signing is finished, a cooling period exists, in the cooling period, a seller must make the agreed initial payment fund into a escrow account specified by a transaction department and upload a certificate, after the agreement is confirmed by the transaction department, the contract is formally signed and finished, data is stored and written on a chain, transaction information and the contract are pushed to a real estate registration mechanism, the contract is pushed to a financial institution selected by both transaction parties at the same time when the loan is needed to be transacted, and if the fund is not made into a specified account when the transaction time limit is exceeded, the contract is automatically terminated.
Compared with the prior art, the invention has the beneficial effects that:
(1) the invention provides a real estate transaction method based on a super account book, which is set up by a government department, utilizes an intelligent contract of the super account book to carry out real estate transaction, stores transaction data, provides traceable transaction record inquiry and keeps the reliability of the data. Meanwhile, the super account book is not completely decentralized, and can limit the rights of different users, so that government departments can effectively supervise the transaction process, and the decentration of the transactions of both parties cannot be damaged. Meanwhile, real-time interaction is carried out on the real estate department background database and the system data, so that the reliability of the platform data is guaranteed, and meanwhile, part of problems of government affair information sharing are solved.
(2) By the method, the seller can directly release the real estate sale information, the information about the real estate is obtained from the system database of the registration department, the accuracy and the comprehensiveness of the information viewed by the buyer are ensured, and the buyer and the seller can directly trade due to the decentralization of the block chain, so that the intermediate link and the intermediate cost are saved.
(3) The applicant can directly sign a real estate buying and selling contract through an intelligent contract after the real-name authentication is completed, and due to the characteristics of the block chain, the traceability and the irreversible conversion of the contract can be ensured, so that each transaction of the real estate on the platform can be inquired in the future, and the message is absolutely real and has no possibility of being considered to be modified.
(4) Because the database and the database registered by the real estate can be mutually pushed in the method, the real estate transaction institution and the registration institution can realize information sharing, can realize real-time updating of data, and meets the requirements of Internet and government affairs services, and then a tax department interface can be added according to the requirements, so that the buying and selling contracts can be pushed in real time.
(5) The financial department can participate in the method, directly inquire the commodity house buying and selling contract of the borrower through the platform of the method, and accordingly transact the second-hand house loan registration, so that the accuracy of information is ensured, and the loan approval efficiency of the bank is improved.
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FIG. 1 is a schematic block diagram of the system of the present invention;
FIG. 2 is a flow chart of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-2, the present invention provides a technical solution: a real estate transaction system based on a super account book comprises a login/registration module 1, a release/cancellation transaction application module 2, a transaction module 3, a transaction information query module 4 and a control module 5, wherein the control module 5 is respectively connected with the login/registration module 1, the release/cancellation transaction application module 2, the transaction module 3 and the transaction information query module 4; the login/registration module 1 comprises a user registration unit 5, a user login unit 6 and a user information management unit 7; the release/cancellation transaction application module 2 comprises a real estate transaction release unit 8 and a release information cancellation unit 9; the transaction module 3 comprises a contract signing unit 10, an uploaded fund escrow voucher unit 11 and a transaction canceling unit 12; the transaction information query module 4 comprises a query transaction information unit 13.
The super ledger is a project initiated by the Linux foundation and aims to promote cross-industry application of block chains. The method adopts a HyperLegger Fabric platform in the hyper book, and the HyperLegger Fabric provides a modular framework and allows components of different implementation protocols to be freely plugged and unplugged. The Fabric framework comprises a membership system, a block chain and a code (intelligent contract) on the chain, wherein the membership system ensures the identifiability of the membership on the platform, the block chain service ensures the transmission of data on the chain and the reliability of the data through an algorithm, and the code on the chain is a decentralized transaction program and can ensure the smooth transaction.
In the method, government agencies such as a real estate transaction department, a real estate registration department, a tax department, a people bank, a public inspection law and the like are jointly used as members (members) of a alliance chain, other nodes (peers) can be authorized to refer to part of transaction information, and data sharing among the government agencies is effectively promoted.
The working principle is as follows: the using method of the invention comprises the following steps:
A. firstly, both buyers and sellers need to register to log in a system, a user with a non-real-name system can only browse, and any user who wants to buy and sell real estate needs real-name system authentication;
B. the seller makes a real estate sale application by inputting a real estate right certificate number or real estate sitting, the system compares whether the applicant is a real estate property right person or not by calling and registering system information, if the comparison is passed, the seller issues sale information in the system, and simultaneously issues real estate sitting, area, service life and other right conditions real estate information, the seller selects the issue information, but the real estate right needs to be issued if the states such as mortgage check-up exist, and the real estate cannot sign a purchase contract under the mortgage check-up state;
C. the buyer browses the real estate for sale through the system, calls an intelligent contract after selecting the real estate, the buyer and the seller sign together, and if the real estate for sale has a co-holder, the contract must be signed by all the co-holders together;
D. after the contract signing is finished, a cooling period exists, in the cooling period, a seller must make the agreed initial payment fund into a escrow account specified by a transaction department and upload a certificate, after the agreement is confirmed by the transaction department, the contract is formally signed and finished, data is stored and written on a chain, transaction information and the contract are pushed to a real estate registration mechanism, the contract is pushed to a financial institution selected by both transaction parties at the same time when the loan is needed to be transacted, and if the fund is not made into a specified account when the transaction time limit is exceeded, the contract is automatically terminated.
By the method, a seller can directly release the information for selling the real estate, the information about the real estate is obtained from a system database of a registration department, the accuracy and the comprehensiveness of the information viewed by a buyer are ensured, and the buyer and the seller can directly trade due to decentralization of a block chain, so that intermediate links and intermediate expenses are saved; the applicant can directly sign a real estate buying and selling contract through an intelligent contract after completing real-name authentication, and traceability and irreversible conversion of the contract can be ensured due to the characteristics of a block chain, so that each transaction of the real estate on a platform can be inquired in the future, and the message is absolutely real and has no possibility of being considered to be modified; because the database in the method and the database registered by the real estate can be mutually pushed, the real estate transaction institution and the registration institution can realize information sharing, can realize real-time updating of data, and meet the requirements of Internet and government affairs service, and then can add a tax department interface according to the requirements, and can push the buying and selling contracts in real time; the financial department can participate in the method, directly inquire the commodity house buying and selling contract of the borrower through the platform of the method, and accordingly transact the second-hand house loan registration, the accuracy of information is ensured, and the method is also beneficial to improving the loan approval efficiency of the bank.
In summary, the invention provides a method for real estate transaction based on a super ledger, which is set up by a government department, performs real estate transaction by using an intelligent contract of the super ledger, stores transaction data, provides traceable transaction record query, and maintains data reliability, aiming at the problems in the traditional real estate transaction. Meanwhile, the super account book is not completely decentralized, and can limit the authorities of different users, so that government departments can effectively supervise the transaction process, but the decentration of two-party transaction cannot be damaged. Meanwhile, real-time interaction is carried out on the real estate department background database and the system data, so that the reliability of the platform data is guaranteed, and meanwhile, part of problems of government affair information sharing are solved.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (3)
1. The utility model provides a real estate transaction system based on super account book which characterized in that: the transaction system comprises a login/registration module (1), a release/cancellation transaction application module (2), a transaction module (3), a transaction information query module (4) and a control module (5), wherein the control module (5) is respectively connected with the login/registration module (1), the release/cancellation transaction application module (2), the transaction module (3) and the transaction information query module (4).
2. The real estate transaction system based on a super ledger of claim 1 wherein: the login/registration module (1) comprises a user registration unit (5), a user login unit (6) and a user information management unit (7); the release/cancellation transaction application module (2) comprises a real estate transaction release unit (8) and a release information cancellation unit (9); the transaction module (3) comprises a contract signing unit (10), a fund escrow voucher uploading unit (11) and a transaction canceling unit (12); the transaction information inquiry module (4) comprises an inquiry transaction information unit (13).
3. The use method of the real estate transaction system based on the super ledger book of claim 1 is realized, characterized in that: the using method comprises the following steps:
A. firstly, both buyers and sellers need to register to log in a system, a user with a non-real-name system can only browse, and any user who wants to buy and sell real estate needs real-name system authentication;
B. the seller puts forward a real estate sale application by inputting a real estate right certificate number or a real estate seat, the system compares whether the applicant is the real estate right person or not by calling and registering system information, if the comparison is passed, the seller issues sale information in the system, and simultaneously issues real estate seat, area, service life and other right conditions of real estate information, the seller selects the publication information, but the real estate right needs to be published if the states such as mortgage check-up exist, and the real estate cannot sign a purchase contract under the mortgage check-up state;
C. the buyer browses the real estate for sale through the system, calls an intelligent contract after selecting the real estate, and the buyer and the seller sign together, and meanwhile, if the real estate for sale has a sharer, all the sharers must sign the contract together;
D. after the contract signing is finished, a cooling period exists, in the cooling period, a seller must make the agreed initial payment fund into a escrow account specified by a transaction department and upload a certificate, after the agreement is confirmed by the transaction department, the contract is formally signed and finished, data is stored and written on a chain, transaction information and the contract are pushed to a real estate registration institution, the contract is pushed to financial institutions selected by both transaction parties at the same time when the loan is needed to be transacted, and if the fund is not made into the appointed account when the transaction time limit is exceeded, the contract is automatically terminated.
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111553794A (en) * | 2020-04-08 | 2020-08-18 | 中振区块链(深圳)有限公司 | Intellectual property trading sharing platform and method based on block chain |
| CN113222761A (en) * | 2021-05-21 | 2021-08-06 | 南京诺迈特网络科技有限公司 | Internet-based real estate transaction system and method |
| CN113706283A (en) * | 2021-10-28 | 2021-11-26 | 江苏荣泽信息科技股份有限公司 | Double-chain retrieval and tracing method based on real estate transaction |
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| CN109493196A (en) * | 2018-12-29 | 2019-03-19 | 杭州趣链科技有限公司 | A kind of real estate based on block chain deposits card and method of commerce |
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Patent Citations (4)
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| JP2016218986A (en) * | 2015-05-22 | 2016-12-22 | 株式会社Ｈｏｕｓｍａｒｔ | Real estate dealing matching platform system utilizing network system |
| CN109389362A (en) * | 2018-09-16 | 2019-02-26 | 安徽三实软件科技有限公司 | A kind of house prosperity transaction and supervision integrated business application system and its application method |
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| CN113222761A (en) * | 2021-05-21 | 2021-08-06 | 南京诺迈特网络科技有限公司 | Internet-based real estate transaction system and method |
| CN113706283A (en) * | 2021-10-28 | 2021-11-26 | 江苏荣泽信息科技股份有限公司 | Double-chain retrieval and tracing method based on real estate transaction |
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Application publication date: 20200407 |