CN113902547A - Electronic bank-climbing cooperation system for real estate loan and mortgage registration - Google Patents
Electronic bank-climbing cooperation system for real estate loan and mortgage registration Download PDFInfo
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Abstract
The invention discloses an electronic bank-climbing cooperation system for real estate loan and mortgage registration, which belongs to the technical field of information and comprises the following handling processes: a1: the borrower makes a loan application; a2: the financial institution carries out loan pre-examination and approval; a3: checking the real will of loan and mortgage registration and investigating the real condition of real estate; a4: loan approval of the financial institution; a5: signing electronic materials such as loan and mortgage registration applications; a6: online mortgage registration; a7: paying by the financial institution; according to the invention, the direct connection and the direct connection of the real estate registration system and the credit system of the financial institution are realized, so that the gear type embedding and the seamless connection of the links of loan application, linkage approval, online signing, mortgage registration, right certificate warehousing and loan release and the like are realized, and the loan and mortgage registration meets the 'one-thing' transaction requirement, so that better service experience can be provided for loan personnel, the transaction process is safe, reliable, simple and rapid, and a large amount of precious time can be saved for the loan personnel.
Description
Technical Field
The invention belongs to the technical field of information, and particularly relates to an electronic bank-climbing cooperation system for real estate loan and mortgage registration.
Background
The real estate mortgage loan refers to the loan which is issued by the financial institution by taking the real estate owned by the borrower or the third person as the mortgage, the scope of the mortgage guarantee comprises the principal and interest of the real estate mortgage loan, the cost for realizing the mortgage right of the mortgage and other contents agreed by the mortgage contract, at present, the loan applicant still has some defects and complex flow when carrying out the loan in the form of mortgage, in the links of loan application, linkage approval, online signing, mortgage registration, right certificate warehousing and loan deposit, etc., a loan applicant needs to transact various items repeatedly among an evaluation institution, a financial institution and a real estate center, the process is complicated, the linkage is poor, the error probability is high, the application and transaction period is long, therefore, there is a need in the market for an electronic banking collaboration system for real estate loan and mortgage registration to solve the above problems.
Disclosure of Invention
The invention aims to: the electronic bank-climbing cooperation system for the real estate loan and the mortgage registration is provided for solving the problems that a loan applicant still has some defects and complex flow, and needs to repeatedly transact various items among an evaluation mechanism, a financial mechanism and a real estate center in the links of loan application, linkage approval, online signing, mortgage registration, property warehousing and loan payment and the like, the process is complicated, the linkage is poor, the error probability is high, and the application and transaction period is long.
In order to achieve the purpose, the invention adopts the following technical scheme:
an electronic banking collaboration system for real estate loan and mortgage registration, comprising the following process flows:
a1: the borrower makes a loan application;
a2: the financial institution carries out loan pre-examination and approval;
a3: checking the real will of loan and mortgage registration and investigating the real condition of real estate;
a4: loan approval of the financial institution;
a5: signing electronic materials such as loan and mortgage registration applications;
a6: online mortgage registration;
a7: and (5) paying by the financial institution.
As a further description of the above technical solution:
the borrower has initiated a loan application mode in step A1 including applying offline, applying online and dialing a customer service hot line, just applying offline, the customer contacts the customer manager to the financial institution place of business, submits a loan application through a mobile marketing App, just applying online, the customer can log in a financial institution's cell-phone App, WeChat public number or WeChat applet, submits a loan application online, just dial a customer service telephone, and carry out a loan application through dialing a customer service hot line.
The loan and mortgage registration real wish check and real estate reality situation survey in the step A3 comprises an off-line check and an on-line check, in the off-line check, after the financial institution passes the pre-check, the financial institution staff and the loan client reserve check time, after the time is determined, the client manager checks the real will of the client for loan transaction and mortgage registration according to the reserved time, simultaneously, the real situation of the real estate is shot and surveyed, the verification result is fed back to the credit system of the financial institution by utilizing the credit business system mobile terminal carried by the customer manager in time, in the online check, the loan client remotely performs loan and mortgage registration real wish expression through scene video and multi-person video technology and confirms the real wish expression through a credit department of a financial institution, and meanwhile, the check of the real condition of the real estate by the credit department is completed by utilizing a video call mode.
In the step A4, after the financial institution checks the real willingness of the loan and mortgage registration of the loan client, the credit system reads the related data of the real estate registration system, the personal credit investigation system, the public security system and the like through the direct connection port by the loan client authorization, and the financial institution completes the final loan examination at the background or by using a big data wind control model (automatically) to complete the comprehensive credit approval examination.
In the step a7, the financial institution credit system receives the electronic registration certificate, completes the verification of the electronic registration certificate and the warehousing of the deposit, and the financial institution reviews the contents of the customer data, the credit system information, the loan condition, and the like, and approves the loan or starts the quota.
As a further description of the above technical solution:
the loan pre-approval process of the financial institution in the step A2 comprises the following steps:
a21: after the financial institution receives the loan application, the financial institution staff carries out customer preliminary screening, loan introduction, mortgage registration flow and required data and collects the basic information of the customer;
a22: the loan client adopts an electronic signature to authorize the financial institution to inquire personal credit investigation of the client through a financial institution mobile phone App or a WeChat public number, and reads ownership and restriction information related to the real estate by utilizing a direct connection port of a credit system and a real estate registration system;
a23: the financial institution performs online valuation and performs pre-approval.
As a further description of the above technical solution:
the step a5 of signing the electronic materials such as loan and mortgage registration application includes the following processes:
step A51: the approved clients, financial institution client manager and clients speak (offline) or communicate remotely (online) through multi-party videos, the financial institution client manager informs the loan clients of adopting electronic signatures for loan and mortgage registration, one-time electronic signature is used for applying all related materials for loan and mortgage registration, and informs the loan clients of carefully checking the electronic materials needing signature, and the signed related electronic materials are used for applying for loan and mortgage registration;
step A52: after negotiation succeeds, information such as client loan and mortgage registration willingness and the like is submitted to a credit system of a financial institution by using a mobile phone App of a loan client financial institution or a credit business system mobile terminal carried by a client manager according to a communication result;
step A53: after the financial institution confirms, the credit system acquires real estate right information by using a port directly connected with the real estate registration system, then generates related electronic materials on the basis of loan and mortgage registration material templates such as loan contracts, mortgage contracts, real estate registration application forms, inquiry notes and the like of the credit system, and transmits the electronic materials to a mobile phone App of a loan client financial institution or a credit business system mobile terminal carried by a client manager;
step A54: the loan client confirms loan application information through a mobile terminal of a credit business system carried by a mobile phone App or a client manager, and performs face recognition, micro-expression recognition, short message verification, networking check, photo taking or video authentication and the like;
step A55: after the loan clients and the relatives are authenticated, signing electronic signatures on the loan and mortgage registration application electronic materials, and pushing the related electronic materials back to a credit system of a financial institution;
step A56: the financial institutions complete wind control verification on line (individual financial institutions automatically verify by using a wind control model), and verify the contents of the related electronic materials such as loan, mortgage registration application and the like and the integrity of electronic signatures;
step A57: after the verification is correct, electronic seals are stamped on materials related to loan and mortgage registration application in a credit system, electronic files (including electronic materials such as a registration application form, a main and debt right contract, a mortgage contract, an inquiry record and the like) of the mortgage registration application are generated, CFCA authentication is completed through electronic materials such as loan and mortgage registration application after electronic seals are stamped in a client electronic signature and a financial institution, and the loan client can check application materials of a PDF edition through a mobile phone App of the financial institution or a credit business system mobile terminal carried by a client manager.
As a further description of the above technical solution:
the step a6 online mortgage registration includes the following steps:
step A61: after the loan client and the financial institution confirm that the electronic materials related to the loan and mortgage registration application are correct, the credit system of the financial institution pushes the mortgage registration electronic file to the real estate registration system to initiate the mortgage registration online application;
step A62: real estate registration staff complete acceptance, audit and book entry on line, and the system automatically generates an electronic registration certificate and feeds the electronic registration certificate back to a credit system of a financial institution in real time.
In summary, due to the adoption of the technical scheme, the invention has the beneficial effects that:
1. according to the invention, the direct connection and the direct connection of the real estate registration system and the credit system of the financial institution are realized, so that the gear type embedding and the seamless connection of the links of loan application, linkage approval, online signing, mortgage registration, right certificate warehousing and loan release are realized, and the loan and mortgage registration meets the 'one-thing' transaction requirement, so that higher-quality service experience can be provided for loan personnel, the transaction process is safe, reliable, simple and rapid, a large amount of precious time can be saved for the loan personnel, and the market competitiveness is effectively improved.
2. In the invention, the financial institution is directly connected with the real estate registration system, so that the security can be monitored in real time to improve the financial risk prevention and control capability and ensure the financial security.
3. In the invention, the RSA algorithm is used to ensure the data integrity and security.
4. In the invention, a signal processing module is used for processing facial signals output by a camera, a voltage regulator tube D1 and a triode Q2 are used for respectively detecting the facial signals, a voltage regulator tube D1 is used for enabling signals with over-high facial signal amplitude to change the amplification factor of a resistor R3 serving as a feedback resistor of an operational amplifier U1B through a thyristor Q2 and a triode Q3, the triode Q1 is used for detecting the amplitude of weak micro-expression in the facial signals and amplifying the amplitude again through the operational amplifier U1B, the amplitude of the weak micro expression is the same as that of the facial signal, so that the problem that the mobile terminal of the credit business system is difficult to identify the facial micro expression of the client due to the fact that the amplitude of the weak micro expression is too low is avoided, and the problem that the accuracy of the facial signal is reduced due to the fact that the facial signal with too high amplitude is filtered in the prior art, and the facial information of the client is difficult to confirm is also avoided.
Drawings
FIG. 1 is a flow chart of the process of the present invention;
FIG. 2 is a schematic diagram of a client initiating a loan application on-line in accordance with the present invention;
FIG. 3 is a schematic diagram of an on-line or off-line verification according to the present invention;
FIG. 4 is a schematic diagram of a financial institution directly reading real estate information through a system according to the present invention;
FIG. 5 is a schematic diagram of a remote background approval process of the present invention;
FIG. 6 is a schematic diagram of the identity authentication, on-line loan signing and mortgage registration application materials in the present invention;
FIG. 7 is a schematic diagram of the financial institution pushing electronic files, registering departments transacting online and generating electronic registration certificates in the invention;
fig. 8 is a schematic circuit diagram of the signal processing module 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, the present invention provides a technical solution: a paperless banking collaboration system for real estate registration, comprising the following process flows:
a1: the borrower makes a loan application;
a2: the financial institution carries out loan pre-examination and approval;
a3: checking the real will of loan and mortgage registration and investigating the real condition of real estate;
a4: loan approval of the financial institution;
a5: signing electronic materials such as loan and mortgage registration applications;
a6: online mortgage registration;
a7: and (5) paying by the financial institution.
Specifically, the loan application mode initiated by the borrower in the step A1 comprises offline application, online application or customer service hot line dialing, and the client contacts a client manager to submit a loan application through a mobile marketing App when arriving at a financial institution business place and offline application; as shown in fig. 2, and the client can log in the mobile phone App, wechat public number or wechat applet of the financial institution to submit the loan application online; and dialing a customer service telephone and applying for the loan by dialing a customer service hot line.
As shown in fig. 3, the checking of the real will of the loan and mortgage registration and the survey of the real situation of the real estate in the step a3 include an offline check or an online check, in the online offline check, after the financial institution passes the pre-approval, the financial institution staff and the loan client reserve the checking time, after the time is determined, the client manager checks the real will of the loan and mortgage registration according to the reserved time, simultaneously shoots and surveys the real situation of the real estate, and feeds back the checking result to the credit system of the financial institution in time by using the credit business system mobile terminal carried by the client manager; in the online check, loan clients remotely carry out loan and mortgage registration real wish expression through scene video and multi-person video technology and confirm the real wish expression through a credit department of a financial institution, and meanwhile, the check of the real condition of the real estate by the credit department is completed by utilizing a video call mode.
As shown in fig. 4, in the step a4, after the financial institution checks the real will of the loan and mortgage registration of the loan client, the credit system reads the related data of the real estate registration system, personal credit investigation, public security system, etc. through the direct connection port authorized by the loan client; as shown in FIG. 5, the financial institution background uses the big data wind control model (automatically) to complete the final loan audit and complete the comprehensive trust approval.
In step a7, the financial institution credit system receives the electronic registration certificate, completes the verification of the electronic registration certificate and the warehousing of the deposit, and the financial institution reviews the contents of the customer data, the credit system information, the loan condition, etc., and approves the loan or starts the quota.
Specifically, as shown in fig. 1, the process of performing loan approval by the financial institution in step a2 includes the following steps:
a21: after the financial institution receives the loan application, the financial institution staff carries out customer preliminary screening, loan introduction, mortgage registration flow and required data and collects the basic information of the customer;
a22: the loan client adopts an electronic signature to authorize the financial institution to inquire personal credit investigation of the client through a financial institution mobile phone App or a WeChat public number, and reads ownership and restriction information related to the real estate by utilizing a direct connection port of a credit system and a real estate registration system;
a23: the financial institution performs online valuation and performs pre-approval.
Specifically, as shown in fig. 6, the process of signing the electronic material such as loan and mortgage registration application in step a5 includes the following steps:
step A51: the approved clients, financial institution client manager and clients speak (offline) or communicate remotely (online) through multi-party videos, the financial institution client manager informs the loan clients of adopting electronic signatures for loan and mortgage registration, one-time electronic signature is used for applying all related materials for loan and mortgage registration, and informs the loan clients of carefully checking the electronic materials needing signature, and the signed related electronic materials are used for applying for loan and mortgage registration;
step A52: after negotiation succeeds, information such as client loan and mortgage registration willingness and the like is submitted to a credit system of a financial institution by using a mobile phone App of a loan client financial institution or a credit business system mobile terminal carried by a client manager according to a communication result;
step A53: after the financial institution confirms, the credit system acquires real estate right information by using a port directly connected with the real estate registration system, generates related electronic materials on the basis of loan and mortgage registration material templates such as loan contracts, mortgage contracts, real estate registration application forms and inquiry notes embedded into the credit system, and sends the electronic materials to a mobile phone App of a loan client financial institution or a credit business system mobile terminal carried by a client manager;
step A54: the loan client confirms loan application information through a mobile terminal of a credit business system carried by a mobile phone App or a client manager, and performs face recognition, micro-expression recognition, short message verification, networking check, photo taking or video authentication and the like;
step A55: after the loan clients and the relatives are authenticated, signing electronic signatures on the loan and mortgage registration application electronic materials, and pushing the related electronic materials back to a credit system of a financial institution;
step A56: the financial institutions complete wind control verification on line (individual financial institutions automatically verify by using a wind control model), and verify the contents of the related electronic materials such as loan, mortgage registration application and the like and the integrity of electronic signatures;
step A57: after the verification is correct, electronic seals are stamped on materials related to loan and mortgage registration application in a credit system, electronic files (including electronic materials such as a registration application form, a main and debt right contract, a mortgage contract, an inquiry record and the like) of the mortgage registration application are generated, CFCA authentication is completed through electronic materials such as loan and mortgage registration application after electronic seals are stamped in a client electronic signature and a financial institution, and the loan client can check application materials of a PDF edition through a mobile phone App of the financial institution or a credit business system mobile terminal carried by a client manager.
Specifically, as shown in fig. 7, the online mortgage registration of step a6 includes the following steps:
step A61: after the loan client and the financial institution confirm that the electronic materials related to the loan and mortgage registration application are correct, the credit system of the financial institution pushes the mortgage registration electronic file to the real estate registration system to initiate the mortgage registration online application;
step A62: real estate registration staff complete acceptance, audit and book entry on line, and the system automatically generates an electronic registration certificate and feeds the electronic registration certificate back to a credit system of a financial institution in real time.
The invention also comprises a preprocessing flow, wherein the preprocessing flow is used for information sharing and necessary data interoperability and editing between the real estate registration center and the financial institution, the preprocessing flow is used for direct connection between the real estate registration center and the financial institution for the first time or for direct connection at regular intervals, and the preprocessing flow is not required to be performed before each process is performed.
S1: the open port system is directly connected;
s2: embedding the elements and using data;
s3: and (4) safety precaution.
Specifically, the S1 direct connection of the open port system includes the following technical processes:
s11: according to the requirement of a credit system of each financial institution on real estate data, defining data open boundaries and information sharing ranges for each financial institution;
s12: the data exchange between the two parties adopts independent preposed exchange service and uses an isolation network gate to carry out information isolation;
s13: the OAuth2.0 user authentication and authorization standard is adopted for information sharing, and the RSA algorithm is used for ensuring data integrity and security.
Specifically, the mutual embedding of the elements S2, and the data mutual use includes the following technical processes:
s21: the real estate registration department and the financial institution business system are mutually embedded with necessary requirement templates;
s22: the real estate registration department embeds registration application forms, inquiry notes and the like in a credit system of a financial institution according to a registration requirement list;
s23: the financial institution provides according to the credit product and embeds the corresponding borrowing contract and mortgage contract equivalent template in the real estate registration system;
s24: the related obligees authorize the financial institutions in the form of electronic signature authorization books, and the financial institutions can read the contents of the sitting position, the unit number, the type, the area, the application, the ownership certificate number, the restrictive information and the like of the related real estate by using a port directly connected with the real estate registration system on the premise of obtaining authorization.
Specifically, the S3 security precaution includes the following technical processes:
s31: the real estate registering department further ensures the registration and information security through signing a business cooperation agreement with a financial institution, appointing confidential terms, reporting business personnel and other measures;
s32: financial institutions directly links through with real estate registration system, realizes that real-time supervision security deposit developments promote financial risk prevention and control ability, guarantee financial security.
Specifically, as shown in fig. 8, in the step a54, the customer manager confirms loan application information by using the carried credit business system mobile terminal, and performs face recognition, micro-expression recognition, short message verification, network check, photo taking or video authentication and the like on the customer by using a camera on the credit business system terminal, the facial signal acquired by the camera is transmitted to the a/D converter after passing through the signal processing module so as to be processed by the terminal in the credit business system, the signal processing module includes a signal receiving circuit and a signal conditioning circuit, the signal receiving circuit filters the facial signal by using a low pass filter composed of an inductor L1, an inductor L2 and a variable capacitor C1, so as to filter the interference carried by the camera instrument itself to avoid the interference from affecting the accuracy of the facial signal, and simultaneously, the variable capacitor C1, the video camera is used for providing a video signal for the customer to perform image recognition, and the video authentication and the like, The capacitor C2 and the inductor L2 form an impedance matching circuit to realize lossless receiving of facial signals, the facial signals are transmitted to the operational amplifier U1B through the resistor R1 to be amplified so as to compensate the loss generated when the facial signals are filtered by a low-pass filter consisting of the inductor L1, the inductor L2 and the variable capacitor C1, the facial signals output by the operational amplifier U1B are transmitted to the operational amplifier U2B through the resistor R4, the operational amplifier U2B is used as a voltage follower to improve the driving capability of the facial signal driving signal conditioning circuit and the A/D converter and output the facial signals to the signal conditioning circuit, the signal conditioning circuit receives the facial signals transmitted by the signal receiving circuit through the triode D1 and the triode Q1, and when the voltage regulator D1 is reversely broken down and is conducted, the amplification degree of the facial signals through the operational amplifier U1B is over-large, then the face signal is acted by the resistor R7 to turn on the thyristor Q2, the thyristor Q2 utilizes the face signal to turn on the triode Q3 through the resistor R5, the triode Q3 is acted as a variable resistor and is connected in parallel with the resistor R3 at this time, the feedback resistor of the operational amplifier U1B is reduced, that is, the amplification factor of the operational amplifier U1B is reduced, amplification is performed again, the resistance value of the variable resistor R8 is changed, that is, the charging speed of the capacitor C3 can be changed, the on-time of the thyristor Q2 can be controlled, when the triode Q1 is turned on, the amplitude of the faint micro expression in the face signal still does not reach the normal amplitude of the face signal after the action of the operational amplifier U1B, that is, the amplitude of the faint micro expression is also weak, the triode Q1 feeds back the face signal to the same phase end of the operational amplifier U1B, amplification is performed again, so that the amplitude of the faint face signal in the face signal reaches the normal amplitude of the face signal, the capacitor C4 is used as a decoupling capacitor, so that the noise interference carried by the electronic device in the signal conditioning circuit of the facial signal is removed, the resistor R9 is used for eliminating the phase shift influence of the facial signal brought by the capacitor C7, and the resistor R12, the diode D2 and the capacitor C5 form a buffer, so that the facial signal is ready to be transmitted to the A/D converter and is also ready for the mobile terminal of the credit business system to analyze the facial signal;
the signal receiving circuit comprises an inductor L1, one end of an inductor L1 is connected with the camera, the other end of an inductor L1 is respectively connected with one end of an inductor L2 and one end of a variable capacitor C1, the other end of an inductor L2 is respectively connected with one end of a resistor R1 and one end of a capacitor C2, and the other end of the resistor R1 is connected with the same-phase end of an operational amplifier U1B. The inverting end of the operational amplifier U1B is respectively connected with one end of a resistor R2, one end of a resistor R3 and the collector of a triode Q3, the output end of the operational amplifier U1B is respectively connected with the other end of a resistor R3, one end of a resistor R4 and the emitter of a triode Q3, the other end of the resistor R2 is respectively connected with the other end of a capacitor C2 and the other end of a variable capacitor C1 and is grounded, the other end of the resistor R4 is connected with the inverting end of the operational amplifier U2B, and the inverting end of the operational amplifier U2B is connected with the output end of the operational amplifier U2B; the signal conditioning circuit comprises a resistor R9, one end of a resistor R9 is respectively connected with the base electrode of a triode Q1, the negative electrode of a voltage regulator tube D1, the output end of an operational amplifier U2B in a signal receiving circuit and the inverting end of an operational amplifier U2B, the positive electrode of a voltage regulator tube D1 is connected with one end of a variable resistor R8, the other end of the variable resistor R8 is respectively connected with one end of a resistor R7 and one end of a capacitor C3, the other end of the resistor R7 is connected with the control electrode of a thyristor Q2, the other end of the capacitor C3 is respectively connected with the anode of a thyristor Q2, one end of a resistor R6, one end of a capacitor C4, the other end of a resistor R2 in a signal receiving circuit, the other end of a variable capacitor C1 and the other end of a capacitor C2 and is grounded, the cathode of the thyristor Q2 is connected with one end of a resistor R5, the collector electrode of a triode Q1 is respectively connected with the other end of a resistor R6 and the other end of a resistor R1 in a signal receiving circuit, At the non-inverting terminal of the operational amplifier U1B, the other terminal of the resistor R5 is connected to the base of a transistor Q3 in the signal receiving circuit, the emitter of the transistor Q1 is connected to one terminal of a resistor R10, the other terminal of the resistor R10 is connected to the positive power source VCC, the other terminal of the resistor R9 is connected to the other terminal of a capacitor C4, one terminal of a resistor R12, and the anode of a diode D2, the other terminal of the resistor R12 is connected to one terminal of a capacitor C5 and the cathode of a diode D2, and the other terminal of the capacitor C5 is connected to the a/D converter.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be able to cover the technical scope of the present invention and the equivalent alternatives or modifications according to the technical solution and the inventive concept of the present invention within the technical scope of the present invention.
Claims (9)
1. An electronic banking collaboration system for real estate loan and mortgage registration, comprising: the method comprises the following handling processes:
a1: the borrower makes a loan application;
a2: the financial institution carries out loan pre-examination and approval;
a3: checking the real will of loan and mortgage registration and investigating the real condition of real estate;
a4: loan approval of the financial institution;
a5: signing electronic materials such as loan and mortgage registration applications;
a6: online mortgage registration;
a7: and (5) paying by the financial institution.
2. The system of claim 1, wherein the system comprises: the loan application initiating mode of the borrower in the step A1 comprises off-line application, on-line application or customer service hot line dialing, and the off-line application is that the client contacts a client manager when arriving at a financial institution business place and submits a loan application through a mobile marketing App; and the client can log in a mobile phone App, a WeChat public number or a WeChat applet of the financial institution to submit a loan application on line; and the customer service telephone is dialed, and a loan application is carried out by dialing a customer service hot line.
3. The system of claim 1, wherein the system comprises: the loan and mortgage registration real intention verification and real estate investigation in the step A3 comprise offline verification or online verification, in the offline verification, after the financial institution passes the pre-approval, the financial institution staff and the loan client reserve the verification time, after the time is determined, the client manager checks the real intention of the loan and mortgage registration of the client according to the reserved time, simultaneously shoots and investigates the real estate situation, and the verification result is fed back to the financial institution credit system by using the credit business system mobile terminal carried by the client manager in time; in the online check, the loan client remotely performs loan and mortgage registration real wish expression through scene video and multi-person video technology and confirms the real wish expression through a credit department of a financial institution, and meanwhile, the check of the real condition of the real estate by the credit department is completed by utilizing a video call mode.
4. The system of claim 1, wherein the system comprises: in the step A4, after the financial institution checks the real wishes of loan and mortgage registration of the loan clients, the credit system reads the related data of the real estate registration system, personal credit investigation and public security system through the direct connection port by the loan clients authorization, and the financial institution background uses the big data wind control model (automatically) to complete the final loan examination and complete the comprehensive credit granting examination and approval.
5. The system of claim 1, wherein the system comprises: the step a6 online mortgage registration includes the following steps: in the step a7, the financial institution credit system receives the electronic registration certificate, completes the verification of the electronic registration certificate and the warehousing of the deposit, and the financial institution reviews the contents of the customer data, the credit system information, the loan condition, and the like, and approves the loan or starts the quota.
6. The system of claim 1, wherein the system comprises: the loan pre-approval process of the financial institution in the step A2 comprises the following steps:
a21: after the financial institution receives the loan application, the financial institution staff carries out customer preliminary screening, loan introduction, mortgage registration flow and required data and collects the basic information of the customer;
a22: the loan client adopts an electronic signature to authorize the financial institution to inquire personal credit investigation of the client through a financial institution mobile phone App or a WeChat public number, and reads ownership and restriction information related to the real estate by utilizing a direct connection port of a credit system and a real estate registration system;
a23: the financial institution performs online valuation and performs pre-approval.
7. The system of claim 1, wherein the system comprises: the step a5 of signing the electronic materials such as loan and mortgage registration application includes the following processes:
step A51: the approved clients, financial institution client manager and clients speak (offline) or communicate remotely (online) through multi-party videos, the financial institution client manager informs the loan clients of adopting electronic signatures for loan and mortgage registration, one-time electronic signature is used for applying all related materials for loan and mortgage registration, and informs the loan clients of carefully checking the electronic materials needing signature, and the signed related electronic materials are used for applying for loan and mortgage registration;
step A52: after negotiation succeeds, information such as client loan and mortgage registration willingness and the like is submitted to a credit system of a financial institution by using a mobile phone App of a loan client financial institution or a credit business system mobile terminal carried by a client manager according to a communication result;
step A53: after the financial institution confirms, the credit system acquires real estate right information by using a port directly connected with the real estate registration system, generates related electronic materials on the basis of loan and mortgage registration material templates such as loan contracts, mortgage contracts, real estate registration application forms and inquiry notes embedded into the credit system, and sends the electronic materials to a mobile phone App of a loan client financial institution or a credit business system mobile terminal carried by a client manager;
step A54: the loan client confirms loan application information through a mobile terminal of a credit business system carried by a mobile phone App or a client manager, and performs face recognition, micro-expression recognition, short message verification, networking check, photo taking or video authentication and the like;
step A55: after the loan clients and the relatives are authenticated, signing electronic signatures on the loan and mortgage registration application electronic materials, and pushing the related electronic materials back to a credit system of a financial institution;
step A56: the financial institutions complete wind control verification on line (individual financial institutions automatically verify by using a wind control model), and verify the contents of the related electronic materials such as loan, mortgage registration application and the like and the integrity of electronic signatures;
step A57: after the verification is correct, electronic seals are stamped on materials related to loan and mortgage registration application in a credit system, electronic files (including electronic materials such as a registration application form, a main and debt right contract, a mortgage contract, an inquiry record and the like) of the mortgage registration application are generated, CFCA authentication is completed through electronic materials such as loan and mortgage registration application after electronic seals are stamped in a client electronic signature and a financial institution, and the loan client can check application materials of a PDF edition through a mobile phone App of the financial institution or a credit business system mobile terminal carried by a client manager.
8. The system of claim 1, wherein the system comprises: the step a6 online mortgage registration includes the following steps:
step A61: after the loan client and the financial institution confirm that the electronic materials related to the loan and mortgage registration application are correct, the credit system of the financial institution pushes the mortgage registration electronic file to the real estate registration system to initiate the mortgage registration online application;
step A62: real estate registration staff complete acceptance, audit and book entry on line, and the system automatically generates an electronic registration certificate and feeds the electronic registration certificate back to a credit system of a financial institution in real time.
9. The electronic banking collaboration system for real estate loan and mortgage registration according to claim 3 or 7, characterized in that: the credit business system mobile terminal also comprises a camera and a signal processing module, and the quality of the collected signals is further improved after the signals collected by the camera are processed by the signal processing module.
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