CN113902548B - 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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- CN113902548B CN113902548B CN202111177599.2A CN202111177599A CN113902548B CN 113902548 B CN113902548 B CN 113902548B CN 202111177599 A CN202111177599 A CN 202111177599A CN 113902548 B CN113902548 B CN 113902548B
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Abstract
The invention discloses a paperless sign-on cooperative system for real estate registration, which belongs to the technical field of information and comprises the following handling processes: a1: the borrower initiates 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 cooperative system for real estate registration.
Background
The real estate mortgage loan refers to a loan which is issued by a financial institution by taking real estate owned by a borrower or a third person as mortgages, the scope of the mortgage guarantee comprises the principal and interest of the real estate mortgage loan, the cost for realizing the mortgage right and other contents agreed by the mortgage contract, at present, a loan applicant has some defects when carrying out the loan in a mortgage mode, the process is complex, in the links of loan application, linkage approval, online signing, mortgage registration, right certificate warehousing and payment and the like, the loan applicant needs to repeatedly handle various items among an evaluation institution, the financial institution and a real estate center, the process is complicated, the linkage is poor, the error probability is high, and the application and handling periods are long, so a paperless mortgage cooperation system for real estate registration is urgently needed in the market at present stage to solve the 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 initiates 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 enables the client to contact the business place of the financial institution, the client manager is contacted, the loan application is submitted through the mobile marketing App, the online application enables the client to log in the mobile phone App, the WeChat public number or the WeChat small program of the financial institution, the loan application is submitted online, the customer service telephone is dialed, the loan application is carried out through the customer service hot line dialing, the loan and mortgage registration real intention verification and real estate reality situation survey in the step A3 comprise offline verification or online verification, in the offline verification, after the financial institution passes the pre-approval batch, the financial institution staff and the loan client reserve and check time, after the time is determined, the client manager visits according to the reserved time, checks the client transact loan and mortgage registration intention, simultaneously shooting and surveying the real situation of the real estate, timely feeding back the verification result to a financial institution credit system by using a credit business system mobile terminal carried by a customer manager, in the online verification, remotely performing loan and mortgage registration real wish expression by a loan customer through a scene video and multi-person video technology and confirming the real wish by a financial institution credit department, simultaneously completing the verification of the real situation of the real estate by the credit department by using a video call mode, in the step A4 of loan approval of the financial institution, after the financial institution verifies and completes the loan and mortgage registration real wish of the loan customer, the credit system reads related data of the real estate registration system, personal credit investigation, public security system and the like through a direct connection port authorized by the loan customer, and a financial institution background completes final loan approval by using a big data wind control model (automatic), and D, completing comprehensive credit approval, in the step A7 of paying by the financial institution, after the financial institution credit system receives the electronic registration certificate, completing verification of the electronic registration certificate and warehousing of the escorts, and after the financial institution rechecks the contents of the customer data, the credit system information, the paying condition and the like, approving the paying or starting the limit.
As a further description of the above technical solution:
the loan preapprovement and approval of the fusion institution in the step A2 comprises the following processes:
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 clients authorize the financial institutions to inquire personal credit through the financial institution mobile phone App or WeChat public number by adopting electronic signature, and read ownership and limit information related to real estate by using a credit system and a direct connection port of 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 comprises the following processes:
step A51: the approved clients, financial institution client manager and clients talk (offline) or communicate remotely (online) through multi-party video, the financial institution client manager informs the loan clients of adopting electronic signature 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 financial institution credit system by using a mobile phone App of a loan client financial institution or a credit service 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 of online mortgage registration comprises 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 financial institution credit system 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 open port system direct connection comprises the following technical processes:
s11: according to the requirement of each financial institution credit system 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 essential elements are embedded mutually, and data mutual use 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 is provided according to credit products and embeds corresponding borrowing contract and mortgage contract equivalent templates into 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 related real estate, such as the location, the real estate unit number, the real estate type, the area, the purpose, the ownership certificate number, the restrictive information and the like by using a port directly connected with a real estate registration system on the premise of obtaining authorization.
As a further description of the above technical solution:
the S3 security protection comprises 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. The invention utilizes a signal processing module to process facial signals output by a camera, utilizes a voltage-stabilizing tube D1 and a triode Q2 in a signal conditioning circuit in the signal processing module to respectively control the facial signals, when the voltage-stabilizing tube D1 is conducted, the voltage-stabilizing tube D1 utilizes an adjustable resistor R10 and a field effect tube Q2 to change the negative feedback degree when a double T frequency-selecting network consisting of a resistor R5, a resistor R8, a resistor R6, a variable capacitor C3, a capacitor C4 and a capacitor C5 is used as a feedback network of an operational amplifier U1B, and further reduces the amplitude of the facial signals, and when the 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 filtered micro expression is the same as the amplitude of the facial signals, and the problem that the filtered amplitude of the weak micro expression is too low, the amplitude of the facial information is difficult to identify the client micro expression is avoided, and the credit accuracy of the facial information is reduced caused by the negative feedback of the weak signal in the prior art.
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 online in accordance with the invention;
FIG. 3 is a schematic diagram of identity authentication, on-line loan signing and mortgage registration application materials in the present invention;
fig. 4 is a schematic circuit diagram of the signal processing module according to 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 of the borrower in the step A1 comprises offline application, online application or calling a customer service hotline, and the client contacts a client manager to submit a loan application through a mobile marketing App when arriving at a business place of a financial institution after offline application; as shown in fig. 2, and applying online, the client can log in the mobile phone App, wechat public number or wechat applet of the financial institution, and submit the loan application online; and dialing a customer service telephone, and applying for the loan by dialing a customer service hotline.
The loan and mortgage registration real intention verification and real condition survey in the step A3 comprise offline verification or online verification, in the online 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 surveys the real condition of the real estate, and 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 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 completed by utilizing a video call mode.
In the step A4, in the loan approval of the financial institution, after the financial institution checks the real willingness of the loan client to complete the loan and mortgage registration, the credit system reads the related numbers of the real estate registration system, the personal credit investigation, the public security system and the like through the direct connection port authorized by the loan client; and the financial institution background utilizes the big data wind control model (automatically) to finish loan final review and finish comprehensive credit granting examination and approval.
In the step A7 of paying by the financial institution, after the financial institution credit system receives the electronic registration certificate, the electronic registration certificate is verified and the escort is finished, and after the financial institution rechecks the contents of the client data, the credit system information, the paying condition and the like, the paying is approved or the limit is started.
Specifically, as shown in fig. 1, the process of performing loan pre-approval by the fusion 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 clients authorize the financial institutions to inquire personal credit through the financial institution mobile phone App or WeChat public number by adopting electronic signature, and read ownership and limit information related to real estate by using a credit system and a direct connection port of a real estate registration system;
a23: the financial institution performs online valuation and performs pre-approval.
Specifically, as shown in fig. 3, signing the electronic material such as loan and mortgage registration application in step A5 includes the following processes:
step A51: the approved customers, financial institution customer managers and the customers interview (off-line) or communicate remotely (on-line) through multi-party videos, the financial institution customer managers inform the loan customers that electronic signatures are adopted for loan and mortgage registration, one-time electronic signatures are used for applying for all related materials for loan and mortgage registration, and inform the loan customers that the electronic materials needing to be signed need to be checked carefully, 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 loans and mortgage registration material templates such as loan contracts, mortgage contracts, real estate registration application forms and inquiry notes embedded in the credit system, and sends the electronic materials to a mobile phone App of a finance institution of a loan client or a mobile terminal of a credit business system 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 online wind control verification (individual financial institutions automatically verify by using a wind control model), and verify the contents of related electronic materials such as loan and mortgage registration applications 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, the step A6 of 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 invention also comprises a preprocessing flow which is used for information sharing and necessary data interoperability and editing between the real estate registration center and the financial institutions, the preprocessing flow is used for directly connecting the real estate registration center and the financial institutions for the first time or periodically, and the preprocessing flow is not required to be carried out before each process.
S1: the open port system is directly connected;
s2: embedding the elements and using data;
s3: and (4) safety precaution.
Specifically, the S1 open port system direct connection 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 S2 essential 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 related real estate, such as the location, the real estate unit number, the real estate type, the area, the purpose, the ownership certificate number, the restrictive information and the like by using a port directly connected with a real estate registration system on the premise of obtaining authorization.
Specifically, the S3 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.
Specifically, as shown in fig. 4, in step a54, the customer manager confirms the loan application information by using the carried credit service system mobile terminal, and performs face recognition, micro-expression recognition, short message verification, network verification, photo taking or video authentication and the like on the customer by using a camera on the credit service system terminal, a 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 service 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, and is used for filtering interference carried by the camera instrument itself to avoid the influence of the interference on the accuracy of the facial signal, meanwhile, an impedance matching circuit is formed by a variable capacitor C1, a capacitor C2 and an inductor L2 to realize lossless receiving of facial signals, the facial signals are transmitted to an operational amplifier U1B through a resistor R1 to be amplified so as to compensate loss of the facial signals generated when the facial signals are filtered by a low-pass filter formed by the inductor L1, the inductor L2 and the variable capacitor C1, the facial expression represented by the facial signals is prevented from being lost, the facial signals output by the operational amplifier U1B are transmitted to the operational amplifier U2B through a 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 outputs the facial signals to the signal conditioning circuit, the signal conditioning circuit receives the facial signals through a voltage stabilizing tube D1 and a triode Q1, and a resistor R5, a resistor R8, a resistor R6, a variable capacitor C3 and a resistor R5 are utilized, A double-T frequency-selecting 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, further adjusting the amplification factor of the operational amplifier U1B, when the voltage regulator tube D1 is reversely broken down by the face signal and is conducted, the amplification degree of the facial signal by the operational amplifier U1B is over large, the resistance value of the adjustable resistor R10 is changed by the facial signal through the resistor R11, further changing the resistance value of the resistor between the drain and the source of the field effect transistor Q2, further deepening the negative feedback degree, reducing the amplification factor of the facial signal by the operational amplifier U1B, restoring the amplitude of the facial signal to the voltage stabilizing range of the voltage stabilizing tube D1, when the triode Q1 is conducted, the amplitude of the weak micro expression in the facial signal still does not reach the normal amplitude of the facial signal after the action of the operational amplifier U1B, i.e. the weak micro-expression has a weak amplitude, the triode Q1 will conduct the voltage regulator D3, the voltage regulator D3 will change the resistance of the adjustable resistor R10 and thus the resistance between the drain and the source of the field effect transistor Q2, further, the negative feedback degree becomes shallow, the amplification factor of the feedback network is changed, the selected micro-signal is fed back to the operational amplifier U1B for amplification again, so that the amplitude of weak facial expression in the facial signal reaches the normal amplitude of the facial signal, the capacitor C7 is used as a decoupling capacitor, then 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, the resistor R14, the diode D2 and the capacitor C8 are used for forming a buffer, so that the face signal is ready to be transmitted to the A/D converter and also ready for the credit business system mobile terminal to analyze the face signal;
the signal receiving circuit comprises an inductor L1, one end of the inductor L1 is connected with the camera, the other end of the inductor L1 is connected with one end of an inductor L2 and one end of a variable capacitor C1 respectively, the other end of the inductor L2 is connected with one end of a resistor R1 and one end of a capacitor C2 respectively, 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 the resistor R2 and one end of the resistor R3 respectively, the output end of the operational amplifier U1B is connected with the other end of the resistor R3 and one end of the resistor R4 respectively, the other end of the resistor R2 is connected with the other end of the capacitor C2 and the other end of the variable capacitor C1 respectively 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 the resistor R9 is respectively connected with the base electrode of the triode Q1, the negative electrode of the voltage regulator tube D1, the output end of the operational amplifier U2B and the inverting end of the operational amplifier U2B in the signal receiving circuit, the positive electrode of the 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 the resistor R11 are respectively connected with the negative electrode of the voltage regulator tube D3 and the upper end of an adjustable resistor R10, the variable end of the adjustable resistor R10 is connected with the grid electrode of the field effect tube Q2, the source electrode of the field effect tube Q2 is connected with one end of a resistor R7, the drain electrode of the field effect tube Q2 is connected with one end of a 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 a resistor R13, one end of a capacitor C5, one end of the capacitor C7, the other end of a resistor R2 in the signal receiving circuit, the other end of the variable capacitor C1 and the other end of the capacitor C2 are grounded, the other end of the resistor R6 is respectively connected with one end of a variable capacitor C3 and one end of a capacitor C4, the other end of the variable capacitor C3 is respectively connected with one end of a resistor R5, the in-phase end of an operational amplifier U1B in a signal receiving circuit and the other end of a resistor R1, the other end of the capacitor C4 is respectively connected with one end of a resistor R8, the other end of a resistor R4 in the signal receiving circuit and the in-phase end of an operational amplifier U2B, the other end of the resistor R8 is respectively connected with the other end of the resistor R5 and the other end of the capacitor C5, an emitting electrode of a triode Q1 is connected with one end of a resistor R12, the other end of the resistor R12 is connected with a positive polarity power supply VCC, a collecting electrode of the triode Q1 is respectively connected with the other end of a resistor R13 and the negative electrode of a voltage stabilizing tube D3, the other end of the resistor R9 is respectively connected with the other end of a capacitor C7, one end of a resistor R14 and the positive electrode of a diode D4, the other end of the resistor R14 is respectively connected with one end of the capacitor C8, the cathode of the diode D4 and the other end of the capacitor C8 are connected with 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 (6)
1. A paperless enrollment collaboration system for real property registration, comprising: the method comprises the following transaction 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 loan and mortgage registration application electronic materials;
a6: online mortgage registration;
a7: paying by a financial institution;
the step A5 of signing the loan and mortgage registration application electronic material comprises the following processes:
step A51: the approved clients, the financial institution client manager and the clients speak or communicate remotely through multi-party videos, the financial institution client manager informs the loan clients that electronic signatures are adopted for loan and mortgage registration, one-time electronic signatures are used for applying for all related materials for loan and mortgage registration, and informs the loan clients that electronic materials needing signatures need to be checked carefully, and the signed related electronic materials are used for applying for loan and mortgage registration;
step A52: after negotiation succeeds, submitting client loan and mortgage registration intention information to a financial institution credit system by using a mobile phone App of a loan client financial institution or a credit service 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 embedding a loan contract, a mortgage contract, a real estate registration application form, an inquiry record loan and a mortgage registration material template into the credit system, and transmits the electronic materials to a mobile phone App of a financial institution of a loan client 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 and photo or video authentication;
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 institution completes wind control verification on line and verifies the content of the electronic materials related to loan and mortgage registration application and the integrity of the electronic signature;
step A57: after the check is correct, electronic seals are stamped on the electronic materials related to the loan and mortgage registration application in the credit system, a mortgage registration application electronic file is generated, CFCA authentication is completed through electronic signatures of clients, loans after electronic seals are stamped in financial institutions and mortgage registration application electronic materials, and loan clients can check PDF version application materials through mobile terminals of mobile phone apps of financial institutions or credit business systems carried by client managers;
the credit business system mobile terminal also comprises a camera and a signal processing module;
the signal processing module comprises a signal receiving circuit and a signal conditioning circuit;
the signal receiving circuit comprises an inductor L1, one end of the inductor L1 is connected with the camera, the other end of the inductor L1 is respectively connected with one end of an inductor L2 and one end of a variable capacitor C1, the other end of the 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 the resistor R2 and one end of the resistor R3 respectively, the output end of the operational amplifier U1B is connected with the other end of the resistor R3 and one end of the resistor R4 respectively, the other end of the resistor R2 is connected with the other end of the capacitor C2 and the other end of the variable capacitor C1 respectively 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 the resistor R9 is respectively connected with the base electrode of the triode Q1, the negative electrode of the voltage regulator tube D1, the output end of the operational amplifier U2B and the inverting end of the operational amplifier U2B in the signal receiving circuit, the positive electrode of the 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 the resistor R11 are respectively connected with the negative electrode of the voltage regulator tube D3 and the upper end of an adjustable resistor R10, the variable end of the adjustable resistor R10 is connected with the grid electrode of the field effect tube Q2, the source electrode of the field effect tube Q2 is connected with one end of a resistor R7, the drain electrode of the field effect tube Q2 is connected with one end of a 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 a resistor R13, one end of a capacitor C5, one end of the capacitor C7, the other end of a resistor R2 in the signal receiving circuit, the other end of the variable capacitor C1 and the other end of the capacitor C2 are grounded, the other end of the resistor R6 is respectively connected with one end of a variable capacitor C3 and one end of a capacitor C4, the other end of the variable capacitor C3 is respectively connected with one end of a resistor R5, the in-phase end of an operational amplifier U1B in a signal receiving circuit and the other end of a resistor R1, the other end of the capacitor C4 is respectively connected with one end of a resistor R8, the other end of a resistor R4 in the signal receiving circuit and the in-phase end of an operational amplifier U2B, the other end of the resistor R8 is respectively connected with the other end of the resistor R5 and the other end of the capacitor C5, an emitting electrode of a triode Q1 is connected with one end of a resistor R12, the other end of the resistor R12 is connected with a positive polarity power supply VCC, a collecting electrode of the triode Q1 is respectively connected with the other end of a resistor R13 and the negative electrode of a voltage stabilizing tube D3, the other end of the resistor R9 is respectively connected with the other end of a capacitor C7, one end of a resistor R14 and the positive electrode of a diode D4, the other end of the resistor R14 is respectively connected with one end of the capacitor C8, the cathode of the diode D4 and the other end of the capacitor C8 are connected with the A/D converter;
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 business place of a financial institution 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 hotline is dialed, and a loan application is carried out by dialing the customer service hotline;
in the step A3, the loan and mortgage registration real wish verification and real estate investigation comprises 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 wish 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, a 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 loan and mortgage registration willingness 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 authorized by the loan client, and the financial institution background completes the final loan examination by using the big data wind control model to complete the comprehensive credit approval;
in the step A7 of paying by the financial institution, after receiving the electronic registration certificate, the credit system of the financial institution completes the verification of the electronic registration certificate and the warehousing of the escort, and after reviewing the client data, the credit system information and the content of the paying condition, the financial institution examines and approves paying or starts the limit;
the loan preapprovement and approval of the fusion institution in the step A2 comprises the following processes: a21: after the finance organization receives the loan application, the finance organization 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 a pre-approval.
2. The paperless enrollment collaboration system for real property registration as claimed in claim 1 wherein: the step A6 of online mortgage registration comprises 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.
3. A paperless enrollment collaboration system for real property registration as claimed in any one of claims 1-2 wherein: the method comprises the following pretreatment processes: s1: the open port system is directly connected;
s2: embedding the essential elements and using data;
s3: and (4) safety protection.
4. The paperless banking collaboration system for real estate registration of claim 3 wherein: the S1 direct connection of the open port system comprises 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.
5. The paperless enrollment collaboration system for real property registration as claimed in claim 3 wherein: the S2 essential elements are embedded mutually, and data mutual use comprises the following technical processes: s21: the real estate registration department and the credit system of the financial institution are mutually embedded with a necessary requirement template;
s22: the real estate registration department embeds a registration application form and an inquiry record 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 corresponding borrowing contract and mortgage contract templates 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 sitting position, the unit number, the type, the area, the application, the ownership certificate number and the restrictive information content of the related real estate by using a port directly connected with the real estate registration system on the premise of obtaining authorization.
6. The paperless enrollment collaboration system for real property registration as claimed in claim 3 wherein: in the step S3, the security protection includes the following technical processes: s31: the real estate registering department further ensures the registration and information security by signing a business cooperation agreement with a financial institution, appointing a secret term and reporting and preparing business personnel measures;
s32: financial institutions directly connect with real estate registration system to realize real-time monitoring of the movement of escortions.
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