CN111222950A

CN111222950A - House lease settlement method and system based on block chain

Info

Publication number: CN111222950A
Application number: CN202010017057.8A
Authority: CN
Inventors: 谭智
Original assignee: Individual
Current assignee: Beijing Zhongdian Kexin Technology Co.,Ltd.
Priority date: 2020-01-08
Filing date: 2020-01-08
Publication date: 2020-06-02

Abstract

The invention provides a house leasing settlement method and system based on a block chain. The method comprises the following steps: receiving house leasing information of a house leasing party, and writing the house leasing information into an intelligent contract; uploading the intelligent contract to a block chain network, and disclosing the house leasing information; receiving a confirmation request sent by the house leasing lessee to the house leasing information; and finishing settlement according to the rule in the intelligent contract corresponding to the confirmed house leasing information. By the method, the flexibility of a house renting mode can be realized, the house renting efficiency is improved, and the user experience is improved; secondly, the method is completed based on the block chain and the intelligent contract, and the safety of the whole process can be ensured.

Description

House lease settlement method and system based on block chain

Technical Field

The invention relates to the technical field of block chains, in particular to a house leasing settlement method and a house leasing settlement system based on the block chains.

Background

Fabric is a permitted Chain block, and the biggest difference between the Fabric and an anonymous non-permitted Chain block network such as bitcoin and ether house is the identity recognition capability. In each type of event and transaction in the Fabric ledger, participants and objects all have explicit identity information. Identity Service (Identity Service) manages Identity information for various entities, participants and objects in the system, and a verifier can determine the level of authority to participate in a transaction when a Fabric network is established. Many of the functions in Fabric need to be policy driven, so there is a separate policy service to provide policy configuration and management functions for the system. Policy services are most important for access control and authorization functions, and the trading of Fabric typically requires that a participant have the associated rights to proceed. The blockchain service of Fabric provides the capability of building the most basic of the distributed account book, realizes the underlying functions of data transmission, consensus achievement and the like, and provides a publishing/subscribing event management framework, and various events in the distributed account book can be notified to an external monitoring application. Fabric provides basic capabilities for building distributed ledgers, such as ledger data structures, intelligent contract execution environments, modular frameworks, network communications, and the like. Users can call an Application Programming Interface (API) on the basis of the Fabric to realize rich application logic. The main interface of Fabric adopts REST API, which is basically corresponding to Fabric service, and the API is divided into several categories such as identity, strategy, block chain, transaction (corresponding block chain service) and intelligent contract.

The house renting is the renting of a lessee and a lessor for a long time and a short time. In house renting behaviors, generally, the use right of a house is rented to a lessee at the cost of rent collection on the premise that a lessee legally has house ownership within a certain time; the lessee has the right to use the house, i.e. it has the right to occupy the house for a specified time (usually called a lease) and use the house normally, but must pay the rent on an on-schedule basis. Currently, in the rental industry, after a lessee undertakes rent, the lessee can only obtain the use right of the rented goods for a certain period of time, and no return is provided. The activity degree and the repeated purchase rate of the rental users are not high, the product popularization of rental units or individuals is not facilitated, meanwhile, the rental units or individuals lack the rental users, the cash flow is less, and the cash return period is long.

Disclosure of Invention

In order to solve the above problems, the present invention provides a house lease settlement method based on a block chain, which includes:

receiving house leasing information of a house leasing party, and writing the house leasing information into an intelligent contract;

uploading the intelligent contract to a block chain network, and disclosing the house leasing information;

receiving a confirmation request sent by the house leasing lessee to the house leasing information;

and finishing settlement according to the rule in the intelligent contract corresponding to the confirmed house leasing information.

Wherein uploading the intelligent contract into a blockchain network comprises:

assigning a contract token and an event token to the intelligent contract;

respectively carrying out Hash calculation on a contract mark, an event mark, a house leasing rule, house leasing information and identity information of a house leasing party to obtain a first Hash value comprising a contract mark Hash, an event mark Hash, a house leasing rule Hash, a house leasing information Hash and identity information Hash of the house leasing party;

and carrying out hash calculation on the first hash value to obtain a second hash value of the intelligent contract, and sending the second hash value of the intelligent contract into the block chain network.

Before settlement is completed according to the rule in the intelligent contract corresponding to the confirmed house leasing information, the method further comprises the following steps:

and verifying according to the house leasing rule, and determining whether house leasing operation is carried out or not according to a verification result.

and if the result of the verification is positive, executing a house leasing rule specified in an intelligent contract corresponding to the confirmed house leasing information to finish house leasing operation.

Wherein the house lease rule at least comprises: house lease time rules, house lease price rules, house lease node credit level rules, house lease process rules, account fund transfer rules.

Wherein, the finishing settlement according to the rule in the intelligent contract corresponding to the confirmed house leasing information further comprises:

finishing the information change of the house use ownership according to the house lease lender information and the identity information of the house lease lender;

and completing transfer processing on accounts of the house lease lender and the house lease lessee according to the account fund transfer rule.

Wherein the method further comprises:

and dividing the rented houses into a plurality of block chains in the block chain network according to the attribution information, the lease information and the ownership information of the rented houses.

Wherein uploading the intelligent contract into an upper blockchain network further comprises:

determining a block chain corresponding to the intelligent contract according to the attribution information, the renting period information and the ownership information of the rented house corresponding to the intelligent contract;

and uploading the intelligent contract into a block chain corresponding to the intelligent contract.

Wherein said disclosing said house rental information further comprises:

and when the house renting period meets one or more time points or the house is rented for the first time, disclosing the house renting information.

The invention also provides a house leasing settlement system based on the method, which comprises the following steps:

a portable terminal for providing a house rental information interface;

the verification server is used for verifying the identity of both house renting parties;

a blockchain server for generating intelligent contracts required for leasing;

and the settlement server is used for carrying out fund settlement on the leasing behaviors of the two leasing parties.

By the method, the flexibility of a house renting mode can be realized, the house renting efficiency is improved, and the user experience is improved; secondly, the method is completed based on the block chain and the intelligent contract, and the safety of the whole process can be ensured.

Drawings

Fig. 1 is a schematic block diagram of a block chain based portable terminal consistent with an embodiment of the present invention;

FIG. 2 is a functional block diagram of a house lease settlement system consistent with an embodiment of the present invention;

fig. 3 is a flow chart of a house lease settlement method based on block chains consistent with an embodiment of the present invention.

DETAILED DESCRIPTION OF EMBODIMENT (S) OF INVENTION

In order to make the technical solutions of the present invention better understood, 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.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

Various aspects of the present disclosure are directed to methods and apparatus for house rental settlement. The methods and processes disclosed herein are applicable to all Radio Access Technologies (RATs) using suitability. Examples of suitable RATs may include, but are not limited to: GSM, UMTS and LTE.

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Fig. 1 is a conceptual diagram depicting an example of a hardware implementation for a portable terminal 100 using a processing system 114. In accordance with various aspects of the disclosure, an element, or any portion of an element, or any combination of elements may be implemented with a processing system 114 that includes one or more processors 104. For example, the portable terminal 100 may be a terminal as shown in any one or more of fig. 2. Examples of processor 104 include microprocessors, microcontrollers, Digital Signal Processors (DSPs), Field Programmable Gate Arrays (FPGAs), Programmable Logic Devices (PLDs), state machines, gated logic, discrete hardware circuits, and other suitable hardware configured to perform the various functions described throughout this disclosure. That is, the processor 104, as used in the portable terminal 100, may be used to implement any one or more of the processes described below and illustrated in fig. 3.

In this example, the processing system 114 may be implemented using a bus architecture, represented generally by the bus 102. The bus 102 may include any number of interconnecting buses and bridges depending on the specific application of the processing system 114 and the overall design constraints. The bus 102 links together various circuits including one or more processors, represented generally by the processor 104, a memory 105, and a computer-readable medium, represented generally by the computer-readable storage medium 106. In addition, bus 102 may link various other circuits such as clock sources, peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, are not described in any further detail. Bus interface 108 provides an interface between bus 102 and transceiver 110. The transceiver 110 provides a means for communicating with various other apparatus over a transmission medium. Depending on the nature of the device, a user interface 112 (e.g., keypad, display, speaker, microphone, joystick, touch screen, and touch pad) may also be provided.

In one or more examples, the processor 104 may include cell selection circuitry configured for various functions, including, for example: it is determined whether a cell is suitable for camping. For example, the cell selection circuit may be configured to implement one or more of the functions described below.

The computer-readable storage medium 106 may be configured to operate with the processor 104 to perform functions throughout the present disclosure. In one or more examples, the computer-readable storage media 106 may include various routines that, when executed, configure the processor 104 to perform various functions described below.

The processor 104 is responsible for managing the bus 102 and general processing, including the execution of software stored on the computer-readable storage medium 106. The software, when executed by the processor 104, causes the processing system 114 to perform the various functions described below for any particular apparatus. The computer-readable storage medium 106 may also be used for storing data that is manipulated by the processor 104 when executing software.

One or more processors 104 in the processing system may execute software. Software should be construed broadly to mean instructions, instruction sets, code segments, program code, programs, subroutines, software modules, applications, software packages, routines, subroutines, objects, executables, threads of execution, procedures, functions, etc., whether referred to as software, firmware, middleware, microcode, hardware description language, or other terminology. The software may reside on computer-readable storage medium 106. Computer-readable storage medium 106 may be a non-transitory computer-readable storage medium. By way of example, a non-transitory computer-readable storage medium may include a magnetic storage device (e.g., hard disk, floppy disk, magnetic strip), an optical disk (e.g., Compact Disc (CD) or Digital Versatile Disc (DVD)), a smart card, a flash memory device (e.g., card, stick, or key drive), a Random Access Memory (RAM), a Read Only Memory (ROM), a programmable ROM (prom), an erasable prom (eprom), an electrically erasable prom (eeprom), a register, a removable disk, and any other suitable medium for storing software and/or instructions that may be accessed and read by a computer. The computer-readable storage medium 106 may be located within the processing system 114, may be located external to the processing system 114, or may be distributed across multiple entities including the processing system 114. The computer-readable storage medium 106 may be embodied as a computer program product. By way of example, a computer program product may include a computer-readable storage medium having packaging materials. Those of ordinary skill in the art will recognize how best to implement the described functionality presented throughout this disclosure depending on the particular application and design constraints imposed on the overall system.

The various concepts presented throughout this disclosure may be implemented in a wide variety of telecommunications systems, network architectures, and communication standards. Fig. 2 is a functional block diagram depicting a house lease settlement system, in accordance with aspects of the present disclosure. Referring now to fig. 2, by way of an illustrative example and not by way of limitation, a house lease settlement system is presented comprising:

a portable terminal for providing a house rental information interface;

a blockchain server for generating intelligent contracts required for leasing;

It is to be understood that, when the processor in the server described above executes the computer program, the functions of the units in the corresponding server embodiment may also be implemented, and are not described herein again. Illustratively, a computer program may be partitioned into one or more modules/units, which are stored in a memory and executed by a processor to implement the present invention. One or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program in the reading position obtaining apparatus on the storage client side. For example, the computer program may be divided into units in the above-described reading position acquisition apparatus on the storage client side, and each unit may realize a specific function as described in the above-described corresponding reading position acquisition apparatus.

The server device may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing device. The server device may include, but is not limited to, a processor, a memory. It will be appreciated by those skilled in the art that the processor and the memory are merely examples of a computer apparatus and do not constitute a limitation of the computer apparatus, and may include more or less components, or combine certain components, or different components, for example, the computer apparatus may further include input and output devices, network access devices, buses, and the like.

The processor may be a Central Processing Unit (CPU), other general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor may be any conventional processor or the like, the processor being the control center of the computer device and the various interfaces and lines connecting the various parts of the overall computer device.

The memory may be used to store computer programs and/or modules, and the processor may implement various functions of the computer device by executing or executing the computer programs and/or modules stored in the memory, as well as by invoking data stored in the memory. The memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created according to the use of the terminal, and the like. In addition, the memory may include high speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) card, a flash memory card (FlashCard), at least one disk storage device, a flash memory device, or other volatile solid state storage device.

For convenience of understanding, a specific flow in the embodiment of the present invention is described below, and with reference to fig. 3, a house lease settlement method in the embodiment of the present invention is described, and an embodiment of a house lease settlement method based on a block chain in the embodiment of the present invention may include:

An intelligent contract is a set of commitments defined in digital form, including agreements on which the contracting parties can execute such commitments, provided that the parties agree, and the rights and obligations established by the intelligent contract are enforced by a computer or network of computers. Smart contracts allow trusted transactions to be conducted without third parties, and these transactions are traceable and irreversible. Therefore, the method of the embodiment utilizes the intelligent contract to complete the lease, can improve the efficiency and can ensure the safety.

In practical application, the house renter or lessee can perform registration or real-name authentication according to a mode specified by the platform operator, and after the house renter or lessee is successfully registered or the real-name authentication is successfully performed, the house renter or lessee is confirmed to join the alliance chain network, which is not limited to this, of course.

In a certain embodiment, the intelligent contract is stored in the block chain network, so that the intelligent contract cannot be tampered, and the data security is ensured. The information sent by the renter is announced on the platform, so that the announced information can be checked and browsed by other users, the requirement of the renter is released in the mode, and meanwhile, the renter who is added with the alliance chain can conveniently find the renting information meeting the requirement of the renter. In addition, in practical application, the advertised lease information may also be pushed to a relevant user node in the federation chain, for example, the matched published lease information is pushed to the user node according to a lease information query request provided by the user, so that a tenant views and browses the advertised information through the user node, which is not limited in this respect.

In one embodiment, the lessee can look at the published information in the platform to find out the published lease information meeting the self requirement. And when the lessee finds the published information meeting the self requirement, the lessee sends a confirmation request aiming at the published lease information.

In this embodiment, in order to further ensure the security of the rental and guarantee the right of awareness of the users of both parties, when receiving a confirmation request sent by a renter to the posted rental information, the confirmation request sent by the renter to the posted information is sent to the house renter, and whether a confirmation response message returned by the house renter to the confirmation request is received is further determined, and if yes, the processing is performed according to a rule specified in an intelligent contract corresponding to the confirmed posted information.

The identity information of the house renter can be sent to the house renter, such as credit level information, identity information and the like, so that the house renter can confirm the identity of the lessee and further select whether to respond to the confirmation request sent by the lessee. By adopting the method, the house renter can also screen the house renter, and the house renter has more initiative rights.

In one embodiment, when a confirmation request sent by a lessee to the posted information is received, or a confirmation response request sent by a house lessor to the confirmation request sent by the lessee is received, an intelligent contract corresponding to the confirmed posted lease information is activated to complete a lease event. The platform operator can set a proper activation mode of the intelligent contract according to actual needs, which is not limited by the invention.

The operation authority of each node corresponding to each participant with different functions is different. In this embodiment, the house providing node has a right to activate the intelligent contract, and therefore, the house providing node activates the intelligent contract corresponding to the advertised lease information, and completes a lease event according to the intelligent contract. Of course, the invention is not limited thereto.

And after the published leasing information is confirmed, activating the corresponding intelligent contract, and completing the leasing event according to the rule specified in the corresponding intelligent contract. For example, the change of the ownership information of the house right is performed according to the identity information of the house lessor and the identity information of the lessee, and the transfer of funds is performed according to the account of the house lessor and the account of the lessee.

The lease rule is some specific rules about house time, lease rule, information display, performing flow, transaction price and the like specified by the platform operator and the platform supervisor.

By using the mode, the user autonomously initiates the rental event, so that the house renter and the lessee can complete settlement without a third party, flexible transaction can be realized, the transaction efficiency is improved, and the user experience is improved; secondly, the mode is completed based on the block chain and the intelligent contract, and the safety of the transaction process can be ensured.

Wherein uploading the intelligent contract into a blockchain network comprises:

assigning a contract token and an event token to the intelligent contract;

By the mode, the intelligent contract is stored in the block chain network in the form of the preset template, the safety of transaction can be enhanced in the hash encryption mode, the original state of the intelligent contract can be saved, and query is facilitated. The intelligent contract mark initiator is combined with a Hash encryption mode by marking the lease information and the identity information of the leasing party with the initiator of the intelligent contract, and the identity information and the authority of the initiator of the intelligent contract can be verified in the transaction process by the mode, so that other illegal users can be prevented from modifying the intelligent contract.

In practical application, when the disclosed information cannot meet the requirements of the house renters, the renters can negotiate with the house renters, and at the moment, renting information corresponding to negotiation results of the house renters and the renters needs to be formed, namely, renting information provided by the house renters before is changed.

In one embodiment, a change request for published rental information may be initiated by a house rental lessor. Specifically, if a rental information change request sent by a house renter for the disclosed rental information is received, the rental information is changed according to the rental information change request, and the changed rental information is written into an intelligent contract to obtain an updated intelligent contract; uploading the updated intelligent contract to a block chain network, and disclosing the changed lease information; wherein, the lease information change request includes: price change information. The invention does not limit the specific meaning of the lease information change request.

Wherein the method further comprises:

Wherein said disclosing said house rental information further comprises:

In this disclosure, the word "exemplary" is used to mean "serving as an example, instance, or illustration. Any implementation or aspect described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other aspects of the disclosure. Likewise, the word "aspect" does not require that all aspects of the disclosure include the discussed feature, advantage or mode of operation. The term "coupled" is used herein to refer to a direct or indirect coupling between two objects. For example, if object a physically contacts object B, and object B contacts object C, objects a and C may still be considered coupled to each other even though they are not in direct physical contact with each other. For example, a first chip may be coupled to a second chip even though the first chip is never in direct physical contact with the second chip. The terms "circuitry" and "electronic circuitry" are used broadly and are intended to encompass both hardware implementations of electronic devices and conductors (where the performance of functions described in this disclosure is achieved when the electronic devices and conductors are connected and configured, without limitation to the type of electronic circuitry), and software implementations of information and instructions (where the performance of functions described in this disclosure is achieved when the information and instructions are executed by a processor).

One or more of the components, steps, features and/or functions illustrated in figures 1-3 may be rearranged and/or combined into a single component, step, feature or function or embodied in several components, steps or functions. In addition, additional elements, components, steps, and/or functions may be added without departing from the novel features disclosed herein. The apparatus, devices, and/or components shown in fig. 1-3 may be configured to perform one or more of the methods, features, or steps described herein. The novel algorithms described herein may also be efficiently implemented in software and/or embedded in hardware.

It is to be understood that the specific order or hierarchy of steps in the methods disclosed herein is merely one example of exemplary processing. It should be understood that the specific order or hierarchy of steps in the methods may be rearranged based on design preferences. The accompanying method claims present elements of the various steps in a sample order, and are not meant to be limited to the specific order or hierarchy presented unless explicitly stated to the contrary.

The foregoing has outlined various aspects in order that those skilled in the art may be able to practice the various aspects described herein. Various modifications to these aspects will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other aspects. Thus, the present invention is not limited to the aspects shown herein, but is to be accorded the full scope consistent with the disclosure, wherein reference to an element in the singular is not intended to mean "one and only one" unless specifically so stated, but rather "one or more. The term "some" refers to one or more unless specifically stated otherwise. A phrase referring to "at least one of a list of items" refers to any combination of these items, including a single member. For example, "at least one of a, b, or c" is intended to cover: a; b; c; a and b; a and c; b and c; a. b and c. All structural and functional equivalents to the elements of the various aspects described throughout this disclosure that are known or later come to be known to those of ordinary skill in the art are expressly incorporated herein by reference and are intended to be encompassed by the claims. Furthermore, nothing disclosed in this application is intended to be dedicated to the public regardless of whether such disclosure is explicitly recited in the claims. Furthermore, no element of any claim should be construed in accordance with clause 6 of U.S. patent Law 112, unless the element is explicitly recited in the language of a "functional module" or in a method claim, the element is recited in the language of a "functional step".

While embodiments of the invention have been shown and described, it will be understood by those of ordinary skill in the art that: various changes, modifications, substitutions and alterations can be made to the embodiments without departing from the principles and spirit of the invention, the scope of which is defined by the claims and their equivalents.

Claims

1. A house lease settlement method based on a block chain comprises the following steps:

2. The house lease settlement method of claim 1, wherein uploading the intelligent contract into a blockchain network comprises:

assigning a contract token and an event token to the intelligent contract;

3. The house lease settlement method of claim 1, wherein before the settlement is completed according to the rule in the intelligent contract corresponding to the confirmed house lease information, the method further comprises:

4. The house lease settlement method of claim 3, wherein before the settlement is completed according to the rule in the intelligent contract corresponding to the confirmed house lease information, the method further comprises:

5. The house lease settlement method of claim 4, wherein said house lease rules include at least: house lease time rules, house lease price rules, house lease node credit level rules, house lease process rules, account fund transfer rules.

6. The house lease settlement method of claim 1, wherein said completing settlement according to the rule in the intelligent contract corresponding to the confirmed house lease information further comprises:

7. The house lease settlement method of claim 1, wherein said method further comprises:

8. The house lease settlement method of claim 7, wherein uploading the intelligent contract into an upper blockchain network further comprises:

9. The house lease settlement method of claim 1, wherein said disclosing said house lease information further comprises:

10. A house lease settlement system based on claims 1 to 9, comprising:

a portable terminal for providing a house rental information interface;

a blockchain server for generating intelligent contracts required for leasing;