CN113902548A - Paperless bank-climbing cooperation system for real estate registration - Google Patents
Paperless bank-climbing cooperation system for real estate registration Download PDFInfo
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Abstract
The invention discloses a paperless bank-registering cooperative system for real estate 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 a paperless bank-registering cooperation system for real estate 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 at the present stage for a paperless cooperative system for real estate registration to solve the above problems.
Disclosure of Invention
The invention aims to: the paperless bank-climbing cooperation system for real estate 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, right warehousing and loan deposit, the process is complicated, the linkage is poor, the probability of error is high, and the application and transaction period is long.
In order to achieve the purpose, the invention adopts the following technical scheme:
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.
As a further description of the above technical solution:
the loan application mode of the borrower in the step A1 comprises offline application, online application or customer service hot line dialing, the offline application is that the client contacts the business place of the financial institution to submit the loan application through the mobile marketing App, and the online application is that the client can log in the mobile phone App, the WeChat public number or the WeChat small program of the financial institution to submit the loan application online, and the customer service phone is dialed to apply the loan application through the customer service hot line, the loan, mortgage registration real wish verification and real estate situation survey in the step A3 comprise offline verification or online verification, in the offline verification, after the financial institution pre-approval passes, the financial institution staff and the loan client reserve verification time, after the time is determined, the client manager checks the loan and mortgage registration real according to the reservation time, simultaneously shooting and surveying the real situation of the real estate, timely feeding back the verification result to a credit system of the financial institution by using a credit business system mobile terminal carried by a customer manager, remotely performing loan and mortgage registration real wish expression by a loan client through scene video and multi-person video technology in the online verification, confirming the real situation by a credit department of the financial institution, simultaneously completing the verification of the real situation of the real estate by the credit department by using a video call mode, reading relevant data of the real estate registration system, personal credit investigation, public security system and the like by the credit system through a direct connection port after the financial institution verifies the real wish of the loan client in the loan approval of the financial institution of the step A4, and completing the final loan approval by using a big data wind control model (automatically) by a background of the financial institution, 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.
The method also comprises the following pretreatment processes:
s1: the open port system is directly connected;
s2: embedding the elements and using data;
s3: and (4) safety precaution.
As a further description of the above technical solution:
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.
As a further description of the above technical solution:
the S2 key elements are embedded mutually, and the data interoperability comprises 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.
As a further description of the above technical solution:
the security protection at S3 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.
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 in a signal conditioning circuit in the signal processing module are used for respectively controlling the facial signals, when the voltage regulator tube D1 is conducted, a double T frequency selection network consisting of an adjustable resistor R10 and a field effect tube Q2 is used by the voltage regulator tube D1 to change the negative feedback degree when a resistor R5, a resistor R8, a resistor R6, a variable capacitor C3, a capacitor C4 and a capacitor C5 are used as a feedback network of an operational amplifier U1B, so that the amplitude of the facial signals is reduced, when a triode Q1 is conducted, the amplitude of weak micro expression in the facial signals is detected, and the negative feedback degree when the double T network is used as the feedback network of the operational amplifier U1B is changed, so that the amplitude of the weak micro expression is the same as the amplitude of the facial signals, and the amplitude of the weak micro expression is avoided being too low, the mobile terminal of the credit business system is difficult to identify the facial micro-expression of the client, and the problem that the accuracy of the facial signal is reduced and the facial information of the client is difficult to confirm due to the fact that the facial signal with too high amplitude is filtered in the prior art is solved.
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 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 expression represented by the facial signals is avoided from missing, the facial signals output by the operational amplifier U1B are transmitted to the operational amplifier U2B through the resistor R4, the operational amplifier U2B serves as a voltage follower to improve the driving capability of a facial signal driving signal conditioning circuit and an A/D converter and output the facial signals to the conditioning circuit, the signal conditioning circuit utilizes the voltage stabilizing tube D1 and the triode Q1 to receive the facial signals, and the resistors R5, the resistor R8, the resistor R6, the variable capacitor C3 and the variable capacitor C1 are utilized, A double-T frequency selection network consisting of a capacitor C4 and a capacitor C5 is used as a feedback network of an operational amplifier U1B in the signal receiving circuit, so that the amplification factor of the operational amplifier U1B is adjusted, when a face signal breaks down a voltage regulator tube D1 in the reverse direction and is conducted, the amplification degree of the face signal through the operational amplifier U1B is over large, the resistance value of an adjustable resistor R10 of the face signal is changed through a resistor R11, the resistance value of a resistor between drain and source electrodes of a field effect tube Q2 is further changed, so that the negative feedback degree is deepened, the amplification factor of the face signal is reduced through the operational amplifier U1B, the amplitude of the face signal is restored to the voltage stabilizing range of the voltage regulator tube D1, when a triode Q1 is conducted, the amplitude of a weak micro expression in the face signal still does not reach the normal expression of the face signal after the action of the operational amplifier U1B, namely the weak micro expression amplitude is also relatively weak, the triode Q1 conducts the voltage regulator tube D3, a voltage stabilizing tube D3 changes the resistance value of an adjustable resistor R10 so as to change the resistance value of the resistor between the drain and the source of a field effect tube Q2, further to make the negative feedback degree shallow, change the amplification factor of a feedback network, feed back the selected micro signal to an operational amplifier U1B for re-amplification so as to make the amplitude of the weak facial expression in the facial signal reach the normal amplitude of the facial signal, a capacitor C7 is used as a decoupling capacitor, the noise interference carried by the electronic device in the signal conditioning circuit of the facial signal is removed, the phase shift influence of the facial signal brought by the capacitor C7 is eliminated by using a resistor R9, and the resistor R14, a diode D2 and a capacitor C8 are used for forming a buffer so as to make the preparation for the facial signal to be transmitted to an A/D converter and also make preparation for the mobile terminal of a 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 connected with one end of a resistor R2 and one end of a resistor R3 respectively, the output end of the operational amplifier U1B is connected with the other end of a resistor R3 and one end of a resistor R4 respectively, the other end of a resistor R2 is connected with the other end of a capacitor C2 and the other end of a variable capacitor C1 respectively and is grounded, the other end of a 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 a base electrode of a triode Q1, a negative electrode of a voltage regulator tube D1, an output end of an operational amplifier U2B in the signal receiving circuit and an inverting end of an operational amplifier U2B, an anode of a voltage regulator tube D1 is respectively connected with one end of a resistor R11, one end of a capacitor C6 and the other end of a resistor R11 are respectively connected with a negative electrode of a voltage regulator tube D3 and the upper end of an adjustable resistor R10, a variable end of the adjustable resistor R10 is connected with a grid electrode of a field effect tube Q2, a source electrode of the field effect tube Q2 is connected with one end of the resistor R7, a drain electrode of the field effect tube Q2 is connected with one end of the resistor R6, the other end of the resistor R7 is respectively connected with the lower end of the adjustable resistor R10, the other end of the capacitor C6, one end of the resistor R13, one end of a capacitor C5, one end of a capacitor C7, the other end of the resistor R2 in the signal receiving circuit, the other end of the variable capacitor C1 and the capacitor C2 are grounded, the other end of the resistor R6 is connected with one end of a variable capacitor C3 and one end of a capacitor C4 respectively, the other end of the variable capacitor C3 is connected with one end of a resistor R5, the same-phase end of an operational amplifier U1B and the other end of a resistor R1 respectively, the other end of the capacitor C4 is connected with one end of a resistor R8, the other end of a resistor R4 and the same-phase end of an operational amplifier U2B respectively, the other end of a resistor R8 is connected with the other end of a resistor R5 and the other end of a capacitor C5 respectively, an emitter of a triode Q1 is connected with one end of the resistor R12, the other end of the resistor R12 and the positive-polarity power source VCC respectively, a collector of the triode Q1 is connected with the other end of a resistor R13 and the negative electrode of a voltage regulator D3 respectively, the other end of the resistor R9 is connected with the other end of the capacitor C7, one end of the resistor R14 and the positive electrode of a diode D4, and the other end of the resistor R14 is connected with one end of the capacitor C8 respectively, The cathode of the diode D4 and the other end of the capacitor C8 are 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 (10)
1. A paperless enrollment collaboration system for real property 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 paperless enrollment collaboration system for real property registration as claimed in claim 1 wherein: 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 call is dialed, and a loan application is carried out by dialing a customer service hot line;
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, 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 finished 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 and the public security system through the direct connection port by the authorization of the loan client, and the financial institution background uses the big data wind control model (automatically) to finish the final loan examination and complete the comprehensive credit granting examination and approval;
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.
3. The paperless enrollment collaboration system for real property registration as claimed in claim 1 wherein: 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.
4. The paperless enrollment collaboration system for real property registration as claimed in claim 1 wherein: 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.
5. The paperless enrollment collaboration system for real property registration as claimed in claim 1 wherein: 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.
6. A paperless enrollment collaboration system for real property registration as claimed in any one of claims 1 to 5 wherein: the method comprises the following pretreatment processes:
s1: the open port system is directly connected;
s2: embedding the elements and using data;
s3: and (4) safety precaution.
7. The technical solution of the paperless cooperative banking system for real estate registration according to claim 6 wherein: 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.
8. The technical solution of the paperless cooperative banking system for real estate registration according to claim 6 wherein: the S2 key elements are embedded mutually, and the data interoperability comprises 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.
9. The technical solution of the paperless cooperative banking system for real estate registration according to claim 6 wherein: in the step B4, the security protection 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.
10. The technical solution of the paperless cooperative system for real estate registration according to claim 2 or 4, 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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