CN113129140A - Method and device for processing personal housing loan based on mobile banking and block chain - Google Patents
Method and device for processing personal housing loan based on mobile banking and block chain Download PDFInfo
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Abstract
The invention discloses a method and a device for processing a personal housing loan based on a mobile phone bank and a block chain, which relate to the technical field of mobile interconnection and the block chain, and comprise the following steps: receiving personal housing loan assessment application information uploaded by a user through a mobile banking APP; the bank institution block acquires the full information of the user from the plurality of institution blocks to evaluate the personal housing loan mode based on the personal housing loan mode evaluation application information; the block chain comprises a plurality of institution blocks, institutions are related to the personal housing loan processing, and each institution block stores corresponding user related information; and returning the evaluation result of the personal housing loan mode to the mobile banking APP for the user to check. The invention can comprehensively provide evaluation and handling of the individual house loan mode for the client on all information lines, and avoids the wrong selection of the house loan mode caused by insufficient understanding and asymmetric information; the complex handling process of the client off-line is avoided.
Description
Technical Field
The invention relates to the technical field of mobile internet and block chains, in particular to a method and a device for processing a loan of a personal housing based on a mobile phone bank and a block chain.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Loans, as a property business for commercial banks, are a major source of their revenue. The loan of the individual housing is used as a mortgage, the risk is small, the income is large, and the loan is a 'fragrant pastry' which is contested and robbed by various commercial banks. The economic stress on the buyer is greatly relieved by the loan buyer, and more young people are selecting loan buyers at present.
Personal housing loans (including repayment) relate to factors including identification cards, house books, personal credit investigation, marital investigation, housing conditions, bank flows, income accreditation, repayment ability, whether the building supports the public deposit, the available amount of the public deposit, and the like. Most people mostly rely on simple knowledge or recommendation of relatives and friends/bank client managers when selecting a personal housing loan mode, and cannot carry out comprehensive judgment objectively and comprehensively according to all information; moreover, when a person transacts a house loan, some required data need to be acquired by applying in different institutions, and some required data need to provide originals and copies, which can consume a large amount of manpower and material resources and even cause the originals to be lost or damaged.
Disclosure of Invention
The embodiment of the invention provides a personal housing loan processing method based on a mobile banking and a block chain, which is used for solving the technical problems that the personal housing loan mode cannot be comprehensively judged objectively according to all information and the offline loan handling is complicated, and comprises the following steps:
receiving personal housing loan assessment application information uploaded by a user through a mobile banking APP;
the bank institution block acquires the full information of the user from a plurality of institution blocks based on the evaluation application information of the personal housing loan mode, and carries out evaluation of the personal housing loan mode according to the full information of the user to acquire evaluation results of the personal housing loan mode; the block chain comprises a plurality of institution blocks, the institutions are related to the personal housing loan processing, and each institution block stores corresponding user related information;
and returning the evaluation result of the personal housing loan mode to the mobile phone bank APP for the user to check.
The embodiment of the invention also provides a device for processing the loan of the personal housing based on the mobile banking and the block chain, which is used for solving the technical problems that the loan mode of the personal housing cannot be comprehensively judged objectively according to all information and the offline loan handling is complicated, and comprises:
a plurality of institution blocks of the block chain for storing corresponding user-related information, the institution being related to the personal housing loan processing;
the application information receiving module is used for receiving the evaluation application information of the personal housing loan mode uploaded by the user through the mobile banking APP;
the evaluation module is used for the bank institution block to evaluate the application information based on the personal housing loan mode, acquire the full amount information of the user from a plurality of institution blocks, and evaluate the personal housing loan mode according to the full amount information of the user to acquire the evaluation result of the personal housing loan mode;
and the evaluation result returning module is used for returning the personal housing loan mode evaluation result to the mobile banking APP for the user to check.
The embodiment of the invention provides a personal housing loan processing system based on a mobile banking and a block chain, which is used for solving the technical problems that the personal housing loan mode cannot be comprehensively judged objectively according to all information and the offline loan handling is complicated, and comprises: cell-phone bank APP and the above-mentioned individual housing loan processing apparatus based on cell-phone bank and block chain.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the personal housing loan processing method based on the mobile banking and the block chain.
Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the above-mentioned method for processing a personal housing loan based on a mobile banking and block chain.
In the embodiment of the invention, compared with the prior art, when the individual house loan mode is selected, most of the individual house loan modes depend on simple knowledge or recommendation of relatives, friends and bank customer managers, and comprehensive judgment can not be objectively and comprehensively carried out according to all information; in addition, when the personal housing loan is transacted, some required data need to be applied and obtained in different institutions, some original documents and copy documents need to be provided, a large amount of manpower and material resources are consumed, and even the original documents are lost or damaged; the bank institution block acquires the full information of the user from the plurality of institution blocks to evaluate the personal housing loan mode based on the personal housing loan mode evaluation application information; the block chain comprises a plurality of institution blocks, institutions are related to the personal housing loan processing, and each institution block stores corresponding user related information; and returning the evaluation result of the personal housing loan mode to the mobile banking APP for the user to check. The invention can comprehensively provide evaluation and handling of the individual house loan mode for the client on all information lines, and avoids the wrong selection of the house loan mode caused by insufficient understanding and asymmetric information; the complex handling process of the client off-line is avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flow chart of a method for processing a personal housing loan based on a mobile banking and a block chain in an embodiment of the invention (one);
fig. 2 is a flow chart of a method for processing a personal housing loan based on a mobile banking and a block chain in the embodiment of the invention (two);
fig. 3 is a flow chart of a method for processing a personal housing loan based on a mobile banking and a block chain in the embodiment of the invention (three);
fig. 4 is a flowchart of a method for processing a personal housing loan based on a mobile banking and a block chain in the embodiment of the invention (four);
fig. 5 is a block diagram (one) of a personal housing loan processing device based on a mobile banking and a block chain according to an embodiment of the invention;
fig. 6 is a block diagram of a personal housing loan processing apparatus based on a mobile banking and a block chain according to an embodiment of the invention;
fig. 7 is a block diagram of a personal housing loan processing apparatus based on a mobile banking and a block chain according to an embodiment of the invention;
fig. 8 is a block diagram of a system for processing a personal housing loan based on a mobile banking and a block chain according to an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a flowchart (one) of a method for processing a personal housing loan based on a mobile banking and a block chain in an embodiment of the present invention, as shown in fig. 1, the method includes:
step 101: receiving personal housing loan assessment application information uploaded by a user through a mobile banking APP;
step 102: the bank institution block acquires the full information of the user from a plurality of institution blocks based on the evaluation application information of the personal housing loan mode, and carries out evaluation of the personal housing loan mode according to the full information of the user to acquire evaluation results of the personal housing loan mode; the block chain comprises a plurality of institution blocks, the institutions are related to the personal housing loan processing, and each institution block stores corresponding user related information;
step 103: and returning the evaluation result of the personal housing loan mode to the mobile phone bank APP for the user to check.
Specifically, each involved mechanism may include a people's bank, a public security system, a civil administration office, a house administration office, a bank, a public accumulation center, an enterprise, and the like, and adds a block chain as a reliable node, and stores corresponding information in a block.
Specifically, the full-amount information may include an identity card, a household account book, a credit investigation condition, a marital condition, a real estate condition, a bank flow, a income certificate, a housing accumulation, an asset liability, and the like.
Specifically, the blockchain may further include an intermediate cache, and the template is responsible for storing the full amount of information associated with the client in the blockchain if the client initiates evaluation or transaction in a manner of personal housing loan (including repayment).
In the embodiment of the present invention, as shown in fig. 2, the method further includes:
step 201: carrying out payment mode evaluation according to the full information of the user to obtain a payment mode evaluation result;
step 202: and returning the repayment mode evaluation result to the mobile banking APP for the user to check.
Specifically, since the information on the blockchain is from different organizations, the uplink information of different organizations is very different and has different special business rules. Therefore, the information on the comprehensive chain of the bank provides the evaluation of the way of the personal housing loan (including repayment) for the client according to the business rules and the judgment conditions of different organizations.
In the embodiment of the present invention, as shown in fig. 3, the method further includes:
step 301: receiving a personal housing loan transaction request uploaded by a user through a mobile banking APP, wherein the personal housing loan transaction request comprises a selected personal housing loan mode and a repayment mode;
step 302: and the bank institution block acquires the full information of the user from the plurality of institution blocks based on the personal housing loan transaction request, and performs the personal housing loan transaction according to the full information of the user, the personal housing loan mode and the repayment mode.
In the embodiment of the present invention, as shown in fig. 4, the method further includes:
step 401: checking the loan data of the user according to the full information of the user;
step 402 (i.e., step 302): and if the verification is passed (namely the data meet the requirements), carrying out personal housing loan transaction according to the full-scale information of the user, the personal housing loan mode and the repayment mode.
Specifically, in the mobile banking APP, a functional module called personal housing loan is provided, and the function comprises two small functions, namely personal housing loan (including repayment) mode evaluation and personal housing loan handling; the client can click the button for initiating the evaluation function, select information such as the building, the house total price, the first payment amount and the like, and initiate evaluation application, and the client can click the button for initiating transaction, select information such as the building, the house buying and the house closing and the like, and initiate transaction application; and after receiving the evaluation or application initiated by the client, the APP background of the mobile phone bank performs subsequent flow processing.
For example, the loan mode, repayment mode evaluation, loan transaction mode of the individual housing are illustrated.
(1) Based on the basic information (ID card, account information, etc.) of the client, it is determined whether the client is married or not
(2) Take a single body as an example: if the client is single, only checking the own house accumulation fund information of the client, and determining whether the client owns the house accumulation fund and the house accumulation fund can be borrowed.
(3) If the client does not have a house accumulation fund or the accumulation fund has no loan limit temporarily, the client is judged to be only capable of using the commercial loan.
(4) If the client owns the house public accumulation fund loan amount which is more than or equal to the amount of money required by the client, the client is preferentially recommended to use the public accumulation fund loan;
(5) if the client owns the house public accumulation fund loan amount which is less than the amount required by the client, the client is preferentially recommended to use the combined loan (namely the public accumulation fund loan and the commercial loan);
(6) judging the repayment capacity of the client according to the information of the assets, liabilities, income situations and the like of the client, and preferentially recommending an equal-amount fund repayment mode if the repayment capacity is strong; and otherwise, recommending a money repayment mode with equal amount.
(7) If the client loan mode relates to the use of the accumulation fund loan, the bank prepares relevant data according to the checking requirement of the accumulation fund loan data, and sends the data to an accumulation fund center for checking and handling;
(8) if the client loan mode relates to commercial loan, the bank directly transacts the commercial loan for the client according to the repayment mode selected by the client.
The embodiment of the invention also provides a device for processing the loan of the personal housing based on the mobile banking and the block chain, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the method for processing the personal housing loan based on the mobile phone bank and the block chain, the implementation of the device can refer to the implementation of the method for processing the personal housing loan based on the mobile phone bank and the block chain, and repeated parts are not described again.
Fig. 5 is a block diagram (one) of a personal housing loan processing apparatus based on a mobile banking and a block chain according to an embodiment of the present invention, and as shown in fig. 5, the personal housing loan processing apparatus based on a mobile banking and a block chain includes:
a plurality of institution blocks 02 of the block chain for storing corresponding user-related information, the institutions being related to the personal housing loan processing;
the application information receiving module 04 is used for receiving the evaluation application information of the personal housing loan mode uploaded by the user through the mobile banking APP;
the evaluation module 06 is used for the bank institution block to evaluate the application information based on the personal housing loan mode, obtain the total information of the user from the plurality of institution blocks, and evaluate the personal housing loan mode according to the total information of the user to obtain the evaluation result of the personal housing loan mode;
and the evaluation result returning module 08 is used for returning the evaluation result of the personal housing loan mode to the mobile banking APP for the user to check.
In the embodiment of the present invention, the evaluation module 06 is further configured to:
carrying out payment mode evaluation according to the full information of the user to obtain a payment mode evaluation result;
the evaluation result returning module 08 is also configured to:
and returning the repayment mode evaluation result to the mobile banking APP for the user to check.
In this embodiment of the present invention, as shown in fig. 6, the application information receiving module 04 is further configured to:
receiving a personal housing loan transaction request uploaded by a user through a mobile banking APP, wherein the personal housing loan transaction request comprises a selected personal housing loan mode and a repayment mode;
further comprising:
and the handling module 10 is used for acquiring the total information of the user from the plurality of mechanism blocks by the bank mechanism block based on the personal housing loan handling request, and carrying out personal housing loan handling according to the total information of the user, the personal housing loan mode and the repayment mode.
In the embodiment of the present invention, as shown in fig. 7, the method further includes:
the loan data auditing module 12 is used for auditing the user loan data according to the full information of the user;
the transaction module 10 is specifically configured to: and if the verification is passed, carrying out personal housing loan transaction according to the full-scale information of the user, the personal housing loan mode and the repayment mode.
The embodiment of the invention also provides a device for processing the loan of the personal housing based on the mobile banking and the block chain, which is described in the following embodiment.
Fig. 8 is a block diagram of a structure of a system for processing a personal housing loan based on a mobile phone bank and a block chain in an embodiment of the present invention, and as shown in fig. 8, the system for processing a personal housing loan based on a mobile phone bank and a block chain includes: cell-phone bank APP and based on cell-phone bank and regional chain's individual housing loan processing apparatus.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the personal housing loan processing method based on the mobile banking and the block chain.
Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the above-mentioned method for processing a personal housing loan based on a mobile banking and block chain.
In the embodiment of the invention, compared with the prior art, when the individual house loan mode is selected, most of the individual house loan modes depend on simple knowledge or recommendation of relatives, friends and bank customer managers, and comprehensive judgment can not be objectively and comprehensively carried out according to all information; in addition, when the personal housing loan is transacted, some required data need to be applied and obtained in different institutions, some original documents and copy documents need to be provided, a large amount of manpower and material resources are consumed, and even the original documents are lost or damaged; the bank institution block acquires the full information of the user from the plurality of institution blocks to evaluate the personal housing loan mode based on the personal housing loan mode evaluation application information; the block chain comprises a plurality of institution blocks, institutions are related to the personal housing loan processing, and each institution block stores corresponding user related information; and returning the evaluation result of the personal housing loan mode to the mobile banking APP for the user to check. The invention can comprehensively provide evaluation and handling of the individual house loan mode for the client on all information lines, and avoids the wrong selection of the house loan mode caused by insufficient understanding and asymmetric information; the complex handling process of the client off-line is avoided.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (11)
1. A personal housing loan processing method based on a mobile banking and a block chain is characterized by comprising the following steps:
receiving personal housing loan assessment application information uploaded by a user through a mobile banking APP;
the bank institution block acquires the full information of the user from a plurality of institution blocks based on the evaluation application information of the personal housing loan mode, and carries out evaluation of the personal housing loan mode according to the full information of the user to acquire evaluation results of the personal housing loan mode; the block chain comprises a plurality of institution blocks, the institutions are related to the personal housing loan processing, and each institution block stores corresponding user related information;
and returning the evaluation result of the personal housing loan mode to the mobile phone bank APP for the user to check.
2. The method for processing personal housing loan based on mobile banking and block chain as claimed in claim 1, further comprising:
carrying out payment mode evaluation according to the full information of the user to obtain a payment mode evaluation result;
and returning the repayment mode evaluation result to the mobile banking APP for the user to check.
3. The method for processing a personal housing loan based on a mobile banking and block chain as claimed in claim 2, further comprising:
receiving a personal housing loan transaction request uploaded by a user through a mobile banking APP, wherein the personal housing loan transaction request comprises a selected personal housing loan mode and a repayment mode;
and the bank institution block acquires the full information of the user from the plurality of institution blocks based on the personal housing loan transaction request, and performs the personal housing loan transaction according to the full information of the user, the personal housing loan mode and the repayment mode.
4. The method for processing personal housing loan based on mobile banking and block chain as claimed in claim 3, further comprising:
checking the loan data of the user according to the full information of the user;
and if the verification is passed, carrying out personal housing loan transaction according to the full-scale information of the user, the personal housing loan mode and the repayment mode.
5. A personal housing loan processing device based on a mobile banking and block chain is characterized by comprising:
a plurality of institution blocks of the block chain for storing corresponding user-related information, the institution being related to the personal housing loan processing;
the application information receiving module is used for receiving the evaluation application information of the personal housing loan mode uploaded by the user through the mobile banking APP;
the evaluation module is used for the bank institution block to evaluate the application information based on the personal housing loan mode, acquire the full amount information of the user from a plurality of institution blocks, and evaluate the personal housing loan mode according to the full amount information of the user to acquire the evaluation result of the personal housing loan mode;
and the evaluation result returning module is used for returning the personal housing loan mode evaluation result to the mobile banking APP for the user to check.
6. The mobile banking and blockchain based personal housing loan processing apparatus of claim 5, wherein the evaluation module is further configured to:
carrying out payment mode evaluation according to the full information of the user to obtain a payment mode evaluation result;
the evaluation result returning module is also used for:
and returning the repayment mode evaluation result to the mobile banking APP for the user to check.
7. The device for processing personal housing loan based on mobile banking and block chain as claimed in claim 6, wherein the application information receiving module is further configured to:
receiving a personal housing loan transaction request uploaded by a user through a mobile banking APP, wherein the personal housing loan transaction request comprises a selected personal housing loan mode and a repayment mode;
further comprising:
and the handling module is used for acquiring the full information of the user from the plurality of mechanism blocks by the bank mechanism block based on the personal housing loan handling request, and carrying out personal housing loan handling according to the full information of the user, the personal housing loan mode and the repayment mode.
8. The device for processing personal housing loan based on mobile banking and block chain as claimed in claim 7, further comprising:
the loan data auditing module is used for auditing the user loan data according to the full information of the user;
the transaction module is specifically configured to: and if the verification is passed, carrying out personal housing loan transaction according to the full-scale information of the user, the personal housing loan mode and the repayment mode.
9. A personal housing loan processing system based on a mobile banking and block chain is characterized by comprising: cell phone bank APP and the cell phone bank and block chain based personal housing loan processing apparatus of any of claims 5 to 8.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the method for processing a personal housing loan based on a mobile banking and block chain as claimed in any one of claims 1 to 4.
11. A computer-readable storage medium having stored thereon a computer program, wherein the program, when executed by a processor, implements the steps of the method for processing a personal housing loan based on a cell phone bank and a block chain of claims 1 to 4.
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| CN202110543801.2A CN113129140A (en) | 2021-05-19 | 2021-05-19 | Method and device for processing personal housing loan based on mobile banking and block chain |
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| CN202110543801.2A CN113129140A (en) | 2021-05-19 | 2021-05-19 | Method and device for processing personal housing loan based on mobile banking and block chain |
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| CN111784547A (en) * | 2020-05-19 | 2020-10-16 | 杭州亿房达科技有限公司 | Automatic house purchasing qualification and loan qualification inspection method based on block chain prediction machine and intelligent contract |
| CN112308710A (en) * | 2020-11-26 | 2021-02-02 | 平安普惠企业管理有限公司 | Loan data processing method, loan data processing device, computer equipment and storage medium |
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2021
- 2021-05-19 CN CN202110543801.2A patent/CN113129140A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106204266A (en) * | 2016-07-06 | 2016-12-07 | 福建省中电网络商务投资有限公司 | Halfpace is utilized to complete the method and system of house prosperity transaction loan |
| CN111784547A (en) * | 2020-05-19 | 2020-10-16 | 杭州亿房达科技有限公司 | Automatic house purchasing qualification and loan qualification inspection method based on block chain prediction machine and intelligent contract |
| CN112308710A (en) * | 2020-11-26 | 2021-02-02 | 平安普惠企业管理有限公司 | Loan data processing method, loan data processing device, computer equipment and storage medium |
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