CN116383875A - Data processing method, device and equipment for property right transaction and storage medium thereof - Google Patents
Data processing method, device and equipment for property right transaction and storage medium thereof Download PDFInfo
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Abstract
The application discloses a data processing method, device and equipment for property transaction and a storage medium thereof, belonging to the technical field of blockchain. The data processing method of the title transaction comprises the following steps: receiving a transaction application sent by first equipment aiming at a target title, and calling title information to be verified of the target title; performing a consensus mechanism on the title information to be verified to obtain verified title information; generating a transaction contract according to the transaction application and the verified property information, and sending the transaction contract to two transaction parties, wherein the two transaction parties are the first equipment and the second equipment corresponding to the property person of the target property; and receiving the signing information of the transaction contract responded by the two transaction parties, deploying the transaction contract into non-homogeneous tokens, and uploading the non-homogeneous tokens to a preset transaction blockchain. The technical problem that the transaction risk is large in the prior art is solved.
Description
Technical Field
The present disclosure relates to the field of blockchain technologies, and in particular, to a data processing method, apparatus, device and storage medium for a title transaction.
Background
Property transactions are an important component of market economic development, whether renting houses and lands, or buying and selling vehicles, currently, legal effects are produced by making paper contracts with corresponding property persons in situ. However, many spoken conventions exist at the same time, or the two parties do not have legal benefits simply negotiate forms; such forms of transaction present a significant economic dispute risk, such as: the existence of non-property persons and two landlords, default of oral agreements, frequent change or great improvement of transaction amount and the like can cause economic damage to both transaction parties, and a large transaction risk exists.
The foregoing is merely provided to facilitate an understanding of the principles of the present application and is not admitted to be prior art.
Disclosure of Invention
The main purpose of the application is to provide a data processing method, equipment and a storage medium thereof for title transaction, which aim to solve the technical problem of larger transaction risk in conventional title transaction.
To achieve the above object, the present application provides a data processing method of a title transaction, the data processing method of the title transaction including:
receiving a transaction application sent by first equipment aiming at a target title, and calling title information to be verified of the target title;
Performing a consensus mechanism on the title information to be verified to obtain verified title information;
generating a transaction contract according to the transaction application and the verified property information, and sending the transaction contract to two transaction parties, wherein the two transaction parties are the first equipment and the second equipment corresponding to the property person of the target property;
and receiving the signing information of the transaction contract responded by the two transaction parties, deploying the transaction contract into non-homogeneous tokens, and uploading the non-homogeneous tokens to a preset transaction blockchain.
Optionally, the step of receiving a transaction application sent by the first device for the target property and calling the property information to be verified of the target property includes:
transmitting the transaction application to second equipment corresponding to the title person of the target title;
and receiving the consent information of the second equipment responding to the transaction application, and calling the property information to be verified of the target property according to the consent information.
Optionally, the step of obtaining the verified property information includes:
sending a query request for the property information to be verified to a verification node of the transaction blockchain;
When the number of the same results of each verification node responding to the query request is received, and the preset number is met, the property information to be verified is judged to be accurate, and the property information to be verified is set as the verified property information.
Optionally, the step of generating a transaction contract from the transaction application and the verified title information comprises:
determining a preset contract template matched with the transaction type according to the transaction type to which the transaction application belongs;
and extracting key information in the transaction application and the verified property information, and filling the key information into the preset contract template to generate the transaction contract.
Optionally, before the step of sending the transaction contract to both transaction parties, the method further includes:
acquiring reputation values of the two transaction parties, and judging whether the reputation values of the two transaction parties meet preset transaction standards or not;
if yes, judging that the transaction contract is safe, and executing the step of sending the transaction contract to both parties of the transaction;
if not, judging that the transaction contract has risks, sending preset risk early warning information to the two transaction parties, and canceling the transaction contract.
Optionally, after the step of deploying the transaction contract as a non-homogenous token and uploading into a preset transaction blockchain, comprising:
receiving transaction fees sent by a first device;
and deducting and locking deposit in the transaction fee according to the transaction contract, and sending the rest fee to the second equipment.
Optionally, after the step of deploying the transaction contract as a non-homogenous token and uploading into a preset transaction blockchain, further comprising:
when the contract expiration date in the trade contract meets a preset expiration reminding mechanism, sending preset expiration reminding information to the two trade parties;
and receiving release information of the transaction parties in response to the transaction contract, and returning the deposit to the first device on the day after the expiration date of the contract.
The application also provides a data processing device for property transactions, the data processing device for property transactions comprising:
the system comprises a calling module, a verification module and a verification module, wherein the calling module is used for receiving a transaction application sent by first equipment aiming at a target property and calling property information to be verified of the target property;
the consensus module is used for carrying out a consensus mechanism on the title information to be verified to obtain verified title information;
The generation module is used for generating a transaction contract according to the transaction application and the verified property information and sending the transaction contract to both parties of the transaction;
and the uploading module is used for receiving the signing information of the transaction contract responded by the two parties, deploying the transaction contract into non-homogeneous tokens and uploading the non-homogeneous tokens to a preset transaction blockchain.
The present application also provides a data processing apparatus for a title transaction, the data processing apparatus for a title transaction comprising: the title transaction data processing program is configured to implement the steps of the title transaction data processing method.
The present application also provides a storage medium, which is a computer-readable storage medium, on which a data processing program for a title transaction is stored, the data processing program for the title transaction being executed by a processor to implement the steps of the data processing method for a title transaction described above.
The application discloses a data processing method, a device, equipment and a storage medium thereof for title transaction, wherein the method, the device and the equipment receive a transaction application sent by first equipment aiming at a target title and call title information to be verified of the target title, and then perform a consensus mechanism on the title information to be verified to obtain verified title information; and generating a transaction contract according to the transaction application and the verified property information, sending the transaction contract to both parties of the transaction, deploying the transaction contract into a non-homogeneous token when receiving the contract signing information of both parties of the transaction in response to the transaction contract, and uploading the non-homogeneous token to a preset transaction block chain to complete the property transaction. Through a consensus mechanism, the reliability and the accuracy of the proprietary information of the property and the personal information of both sides of the transaction are ensured, the occurrence of the situation that the seller does not coincide with the proprietary person of the target property in the transaction process is avoided, and a transaction contract is directly and rapidly generated according to the transaction application and the verified proprietary information, so that the transaction efficiency is further improved, and the transaction contract is deployed as a non-homogeneous token; because the property is an intangible non-physical commodity, different from the conventional physical commodity transaction, the commodity transaction can be actually touched and checked, and when the property transaction is carried out, virtual digital information is often needed to replace the commodity, so that the transaction risk is higher due to factors such as time difference and information difference in the property transaction process; by deploying the property rights and related transaction information as the heterogeneous tokens, the uniqueness and effectiveness of the transaction contract and the property rights are ensured by utilizing the characteristics of permanent storage, uniqueness and non-modifiable of the heterogeneous tokens, and the occurrence of the condition that one object transacts repeatedly or one party privately modifies the transaction contract is avoided, so that the risk of the property right transaction is reduced, and the transaction security is improved.
Drawings
FIG. 1 is a schematic diagram of a data processing apparatus for title transactions in a hardware runtime environment according to an embodiment of the present application;
fig. 2 is a flow chart of a data processing method of a title transaction according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a system framework of a method for processing data for a title transaction according to an embodiment of the present application;
fig. 4 is a schematic view of a scenario of a data processing method of a title transaction according to an embodiment of the present application;
FIG. 5 is a detailed flowchart of an embodiment of the step S30 in FIG. 2;
fig. 6 is a schematic diagram of a frame structure of a data processing apparatus for a title transaction according to an embodiment of the present application.
The realization, functional characteristics and advantages of the present application will be further described with reference to the embodiments, referring to the attached drawings.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
Furthermore, the descriptions of "first," "second," and the like, herein are for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In addition, "and/or" throughout this document includes three schemes, taking a and/or B as an example, including a technical scheme, a technical scheme B, and a technical scheme that both a and B satisfy; in addition, the technical solutions of the embodiments may be combined with each other, but it is necessary to base that the technical solutions can be realized by those skilled in the art, and when the technical solutions are contradictory or cannot be realized, the combination of the technical solutions should be regarded as not exist and not within the protection scope of the present application.
With reference to fig. 1, fig. 1 is a schematic structural diagram of a data processing device for property transaction in a hardware running environment according to an embodiment of the present application.
As shown in fig. 1, the data processing apparatus of the title transaction may include: a processor 1001, such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, a memory 1005. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a WIreless interface (e.g., a WIreless-FIdelity (WI-FI) interface). The Memory 1005 may be a high-speed random access Memory (Random Access Memory, RAM) Memory or a stable nonvolatile Memory (NVM), such as a disk Memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
It will be appreciated by those skilled in the art that the structure shown in fig. 1 does not constitute a limitation of the data processing apparatus of the title transaction, and may include more or less components than illustrated, or may combine certain components, or may be arranged in different components.
As shown in fig. 1, an operating system, a data storage module, a network communication module, a user interface module, and a data processing program for a title transaction may be included in the memory 1005 as one type of storage medium.
In the data processing apparatus for property transactions shown in fig. 1, the network interface 1004 is mainly used for data communication with other apparatuses; the user interface 1003 is mainly used for data interaction with a user; the processor 1001, the memory 1005 in the data processing apparatus for the title transaction of the present application may be provided in the data processing apparatus for the title transaction, which invokes the data processing program for the title transaction stored in the memory 1005 through the processor 1001, and performs the following operations:
receiving a transaction application sent by first equipment aiming at a target title, and calling title information to be verified of the target title;
performing a consensus mechanism on the title information to be verified to obtain verified title information;
generating a transaction contract according to the transaction application and the verified property information, and sending the transaction contract to two transaction parties, wherein the two transaction parties are the first equipment and the second equipment corresponding to the property person of the target property;
And receiving the signing information of the transaction contract responded by the two transaction parties, deploying the transaction contract into non-homogeneous tokens, and uploading the non-homogeneous tokens to a preset transaction blockchain.
Further, the operation of receiving a transaction application sent by the first device for the target property and calling the property information to be verified of the target property includes:
transmitting the transaction application to second equipment corresponding to the title person of the target title;
and receiving the consent information of the second equipment responding to the transaction application, and calling the property information to be verified of the target property according to the consent information.
Further, the operation of performing a consensus mechanism on the title information to be verified to obtain verified title information includes:
sending a query request for the property information to be verified to a verification node of the transaction blockchain;
when the number of the same results of each verification node responding to the query request is received, and the preset number is met, the property information to be verified is judged to be accurate, and the property information to be verified is set as the verified property information.
Further, the operation of generating a transaction contract from the transaction application and the verified title information includes:
Determining a preset contract template matched with the transaction type according to the transaction type to which the transaction application belongs;
and extracting key information in the transaction application and the verified property information, and filling the key information into the preset contract template to generate the transaction contract.
Further, the processor 1001 may call up a data processing program of the title transaction stored in the memory 1005, and further perform the following operations:
before the operation of sending the transaction contract to both transaction parties, the method further comprises the following steps:
acquiring reputation values of the two transaction parties, and judging whether the reputation values of the two transaction parties meet preset transaction standards or not;
if yes, judging that the transaction contract is safe, and executing the operation of sending the transaction contract to both parties of the transaction;
if not, judging that the transaction contract has risks, sending preset risk early warning information to the two transaction parties, and canceling the transaction contract.
Further, the processor 1001 may call up a data processing program of the title transaction stored in the memory 1005, and further perform the following operations:
after the deploying the transaction contract as a non-homogenous token and uploading into a predetermined transaction blockchain, the operations include:
Receiving transaction fees sent by a first device;
and deducting and locking deposit in the transaction fee according to the transaction contract, and sending the rest fee to the second equipment.
Further, the processor 1001 may call up a data processing program of the title transaction stored in the memory 1005, and further perform the following operations:
after the operation of deploying the transaction contract as a non-homogenous token and uploading into a preset transaction blockchain, further comprising:
when the contract expiration date in the trade contract meets a preset expiration reminding mechanism, sending preset expiration reminding information to the two trade parties;
and receiving release information of the transaction parties in response to the transaction contract, and returning the deposit to the first device on the day after the expiration date of the contract.
Based on the above structure, various embodiments of a data processing method for a title transaction are presented.
Referring to fig. 2, fig. 2 is a flowchart of a first embodiment of a data processing method for title transactions of the present application.
In this embodiment, the execution subject of the data processing method for the title transaction may be a data processing device for the title transaction, and the data processing device for the title transaction may be a network device or a local device, which is not limited in this embodiment, and for convenience of description, the execution subject is omitted from description of each embodiment. In this embodiment, the data processing method for the title transaction includes:
Step S10, receiving a transaction application sent by first equipment aiming at a target property, and calling property information to be verified of the target property;
when a transaction application for the target property sent by the first equipment is received, retrieving property information to be verified of the target property stored in a transaction blockchain; the method of calling may be based on the identification number of the target title, which is not limited in this embodiment.
In the data processing method of the title transaction of the present application, the title concerned may be any asset, for example, houses, vehicles, lands, calligraphy and painting, jewelry, and the like; the target property is the property which needs to be transacted in the transaction initiated by the first equipment; and a transaction may refer to a sale, lease, mortgage, etc. of the asset.
The first device is a device corresponding to a transaction initiator, and can represent a buyer or tenant in a transaction, and the first device is a device capable of connecting with a network, such as a mobile phone, a notebook computer, a desktop computer, an intelligent bracelet and the like. The second device is a device corresponding to a property owner (property person) of the target asset, and is a device capable of connecting to a network, such as a mobile phone, a notebook computer, a desktop computer, a smart bracelet, etc., referring to fig. 3 for a schematic diagram of a system frame of the present application, in this embodiment, the data processing device of the property transaction is a network device, and the first device and the second device are both computer terminals.
The title information to be verified refers to related information that the target title is not confirmed by a consensus mechanism, and may be information deployed as a heterogeneous token, and may include: public property information, private property information, property person information, and the like; the disclosed property information may be basic information of property, such as property content, property attribute, property status, etc.; the private title information may be title information having legal effectiveness, such as title photo, title number, etc.; the title information is user information, and can include name, telephone, ID card number, etc. of the title.
The transaction application is a transaction request initiated for the target property, and may include the target property identifier, the first-trial user information, the transaction content, etc., which is not limited in this embodiment.
The transaction blockchain may be a blockchain network storing transaction information, may be a specific blockchain network, or a blockchain network established by the first device and/or the second device itself; users can upload property information and/or user information to the transaction blockchain and deploy the property information and/or the user information into irreplaceable non-homogeneous tokens so as to ensure the uniqueness of each information in the transaction blockchain and further improve the security of transactions.
In a possible implementation manner, step S10, the step of receiving a transaction application sent by the first device for the target property and invoking the property information to be verified of the target property includes:
step S11, the transaction application is sent to second equipment corresponding to the property person of the target property;
after receiving a transaction application, identifying a target property in the transaction application, thereby determining second equipment associated with a property person corresponding to the target property in a transaction blockchain, and sending the transaction application to the second equipment; wherein the transaction application may include user information associated with a first device that has been deployed as a non-homogenous token; the user information may be user basic information of the first device, such as name, gender, contact information, etc., to give the corresponding user transaction reference to the second device, and assist in determining whether to conduct the transaction.
In a possible implementation manner, the first device may refer to the public property information of each property stored in the transaction block chain by browsing a web page, where the public property information includes property content, property attribute, property status, and the like. Illustratively, the transaction requirement of the first device is for performing house renting, and further, the disclosed property information of the house to be rented in the transaction blockchain can be referred, including: one or more of address, year of construction, building area, number of floors, multi-dimensional photograph, video; after the target property is determined, a transaction application is sent to second equipment corresponding to the property person of the target property so as to acquire the privacy property information and the property person information of the target property.
Step S12, receiving the consent information of the second equipment responding to the transaction application, and calling the property information to be verified of the target property according to the consent information.
When receiving the consent information of the second equipment responding to the transaction application, invoking the property information to be verified of the target property according to the consent information sent by the second equipment; the title information to be verified can be the privacy title information of the target title, and can be called after the title person of the target title agrees; illustratively, the title information to be verified is a title photo, a title number, etc.
The consent information refers to consent instructions issued by the user for any application.
In a possible implementation, the title information to be verified comprises user information, i.e. title information, of the second device that has been deployed as a non-homogenous token.
In another possible implementation manner, if the consent information of the second device responding to the transaction application is not received or the refusal information of the second device responding to the transaction application is received, the to-be-verified property information of the target property is not called, and the preset transaction refusal prompt information is sent to the first device.
In this embodiment, in order to ensure that the private information of both parties of the transaction is not revealed at will, when the first device sends the transaction application, the to-be-verified property information of the target property right needs to be called after the second device receives the consent information in response to the transaction application, so as to further ensure the privacy of the information of both parties of the transaction, and the transaction application includes the user information of the first device deployed as a non-homogeneous token, thereby ensuring the authenticity and reliability of the identity information of the user of the transaction, and further improving the security of the property right transaction.
Step S20, performing a consensus mechanism on the title information to be verified to obtain verified title information;
a consensus mechanism is carried out on the retrieved title information to be verified, so that verified title information is obtained, and the reliability and accuracy of the title information are ensured; the verified title information refers to title information through a consensus mechanism.
The consensus mechanism is an algorithm for completing verification and confirmation of the transaction in a short time through voting of special nodes; the consensus mechanism may include a plurality of consensus nodes, which are nodes storing consensus data to enable data updating, and verification nodes, which are nodes consensus information to be verified. Alternatively, the consensus mechanism may be a D-PBFT (practical bayer fault tolerance algorithm) consensus mechanism.
In a possible implementation manner, step S20, performing a consensus mechanism on the title information to be verified, and obtaining the verified title information includes:
step S21, sending a query request for the property information to be verified to a verification node of the transaction blockchain;
and generating a query request for the property information to be verified according to the property information to be verified, and sending the query request to a verification node of the transaction blockchain.
Step S22, when the number of the same results of each verification node responding to the query request is received, and the preset number is satisfied, determining that the to-be-verified property information is accurate, and setting the to-be-verified property information as the verified property information.
Each verification node verifies the property information to be verified according to the query request, obtains a query result and then sends the query result to the data processing equipment of the property transaction; the data processing equipment of the property transaction counts the number of inquiry results with the same result, and when the number of the same result meets the preset number; optionally, the number of identical results is greater than or equal to a preset number; and judging that the property information to be verified is accurate, thereby setting the property information to be verified as verified property information.
For example, if there are n verification nodes in the transaction blockchain and f nodes with faults or inconsistent results are allowed, the preset number is 3f+1, that is, only 3f+1 identical results from different nodes can determine that the property information to be verified is accurate.
In a possible implementation manner, if the number of the same results of each verification node responding to the query request is received, and the number does not meet the preset number, it indicates that there is an abnormality in the property information to be verified, that may be that the target property corresponding to the property information to be verified is within a certain transaction contract period, or that the property person corresponding to the target property does not coincide with the second device, etc., where this embodiment does not limit this, it determines that the property information to be verified is wrong, sends a preset transaction abnormality prompt message to the first device, and cancels the present property transaction.
In this embodiment, by sending a query request for the property information to be verified to the verification nodes of the transaction blockchain, when the number of the same results of each verification node responding to the query request is received, and the preset number is satisfied, the property information to be verified is determined to be accurate, and the property information to be verified is set as the verified property information; through the consensus mechanism, the reliability and the accuracy of the personal information of the property information and the personal information of the transaction parties are ensured, the occurrence of the situation that the seller does not coincide with the property person of the target property in the transaction process is avoided, the risk of the property transaction is further reduced, and the security of the property transaction is further improved.
Step S30, generating a transaction contract according to the transaction application and the verified property information, and sending the transaction contract to two transaction parties, wherein the two transaction parties are the first equipment and the second equipment corresponding to the property person of the target property;
when the transaction application and the verified property information are acquired, the fact that the transaction parties have transaction intention is indicated, risk assessment can be firstly carried out on the transaction parties, and after the risk assessment passes, a transaction contract is quickly generated according to the transaction application, the verified property information and a preset contract template and is sent to the transaction parties. If the risk assessment does not pass, sending preset risk early warning prompt information to both transaction sides, and canceling the transaction. Through automatic generation of transaction contracts, transaction efficiency is improved, and the situation that one party in transaction sets a transaction trap in the contract can be avoided, so that economic disputes of the two parties are avoided, and property transaction risks are reduced.
The trade contract refers to a trade contract with legal effect, which is signed by the trade parties for the trade property (target property), and can be a lease contract, a trade contract, a mortgage contract and the like.
Step S40, receiving the signing information of the transaction contract responded by the two transaction parties, deploying the transaction contract into non-homogeneous tokens, and uploading the non-homogeneous tokens to a preset transaction blockchain.
Receiving subscription information of both transaction sides in response to a transaction contract; the subscription information can be the signature, the confirmation information or the signed paper transaction contract scanning image sent by the two parties of the transaction; further, according to the subscription information, deploying the transaction contract as an irreplaceable non-homogeneous token, and simultaneously correlating the target property, the user information of the first equipment, the user information of the second equipment and the transaction contract, and uploading the correlated property, the user information of the first equipment and the user information of the second equipment to a transaction blockchain; and when the transaction contract is uploaded to the transaction blockchain, the transaction contract is ensured to be stored in each consensus node through a consensus mechanism so as to realize real-time synchronization of data. It should be appreciated that, after the transaction contract is uploaded to the transaction blockchain, if the transaction content is leased, the property attribute of the corresponding target property in the transaction contract cannot be changed within the term of the transaction contract, so as to avoid economic disputes caused by property change during leasing; and all the information uploaded to the transaction block chain needs to be subjected to a consensus mechanism so as to ensure that the transaction contract is stored in each consensus node, thereby avoiding economic disputes caused by repeated transaction of the same property right in the transaction contract deadline content.
The trade contract includes the target asset (trade asset), trade information, trade time, trade fee, ownership, etc. and the comparison is not limited in this embodiment.
In order to assist understanding of the above technical solution, the following is an auxiliary description of a scenario diagram of a first embodiment of a data processing method for a specific title transaction, referring to fig. 4, the transaction types involved in the title transaction are leases, and all property 1 to property 3 are deployed as heterogeneous tokens, so as to have uniqueness; if a user repeatedly trades any property, the transaction condition of the property can be inquired immediately and the re-trade can not be performed because each property is deployed as a heterogeneous token; and then generating a lease contract, i.e., a trade contract, with the content in the trade application based on the title information deployed as a non-homogenous token, and the trade contract includes, but is not limited to: ownership information of property rights, renter information, renting time, renting expense, renting deposit, other remark information and the like; and after the consensus mechanism is performed, the information is stored in the traffic blockchain network.
In the embodiment, the reliability and the accuracy of the personal information of the property information and the personal information of both transaction sides are ensured through a consensus mechanism, the occurrence of the situation that the seller does not coincide with the property person of the target property in the transaction process is avoided, and the transaction contract is directly and rapidly generated according to the transaction application and the verified property information, so that the transaction efficiency is further improved, and the transaction contract is deployed as the non-homogeneous token; because the property is an intangible non-physical commodity, different from the conventional physical commodity transaction, the commodity transaction can be actually touched and checked, and when the property transaction is carried out, virtual digital information is often needed to replace the commodity, so that the transaction risk is higher due to factors such as time difference and information difference in the property transaction process; by deploying the property rights and related transaction information as the heterogeneous tokens, the uniqueness and effectiveness of the transaction contract and the property rights are ensured by utilizing the characteristics of permanent storage, uniqueness and non-modifiable of the heterogeneous tokens, and the occurrence of the condition that one object transacts repeatedly or one party privately modifies the transaction contract is avoided, so that the risk of the property right transaction is reduced, and the transaction security is improved.
Further, based on the above-mentioned first embodiment, a second embodiment of a data processing method for the title transaction of the present application is proposed, in this embodiment, referring to fig. 5, step S30 includes:
step S31, determining a preset contract template matched with the transaction type according to the transaction type to which the transaction application belongs;
identifying a transaction type to which the transaction application belongs, wherein the transaction type is, for example, a lease type, a trade type, a mortgage type and the like; and further, according to the transaction type, invoking a contract template matched with the transaction type of the transaction application in a preset contract template library.
And S32, extracting key information in the transaction application and the verified property information, and filling the key information into the preset contract template to generate the transaction contract.
Extracting key information in the transaction application and the verified property information, and filling the extracted key information into a matched contract template, so that a transaction contract is automatically generated; wherein the verified title information includes title person information for the targeted title that has been deployed as a non-homogenous token. The key information refers to information matching with the blank content in the contract template, including but not limited to, party a (lessor), party b (lessee), certificate type and number, cost, remark information, etc.
In a possible implementation, a scanned image of a paper contract for a title transaction uploaded by a first user device and/or a second user device is received, and the scanned image of the paper contract is used as a transaction contract.
In this embodiment, according to the transaction application and the verified property information, the rapid and automatic generation of the transaction contract is realized, so that the transaction efficiency is further improved, and the situation that one party in the transaction sets a transaction trap in the contract can be avoided, the economic disputes of the two parties are reduced, and the property transaction risk is reduced.
Step S33, the credit values of the two transaction parties are obtained, and whether the credit values of the two transaction parties meet preset transaction standards is judged;
step S34, if yes, judging that the transaction contract is safe, and executing the step of sending the transaction contract to both parties of the transaction;
step S35, if not, judging that the transaction contract has risks, sending preset risk early warning information to the two transaction parties, and canceling the transaction contract.
Before sending the transaction contract to both parties, risk assessment needs to be carried out on both parties of the transaction to avoid potential transaction risks; further obtaining credit values of both transaction sides, and judging whether the credit values of both transaction sides meet preset transaction standards;
The transaction standard is a standard for risk assessment of the property transaction, and if reputation values of both transaction sides are larger than a preset point threshold value, the reputation of both transaction sides is good, the transaction contract safety is judged, and the step of sending the transaction contract to both transaction sides is executed; if the credit value of one party in the transaction parties is smaller than or equal to the preset credit threshold value, the fact that the credit value of one party in the property transaction is poor is indicated, if the transaction is carried out and the potential transaction risk is large, the risk of the transaction contract is judged, preset risk early warning information is sent to the transaction parties to prompt the transaction risk, and the transaction contract is cancelled.
The reputation value is a measure data of reputation evaluation of a property transaction user, if the user uses a specific transaction blockchain network to conduct property transaction, the transaction blockchain network can comprehensively calculate the reputation value according to factors such as historical violation operations of the user, historical transaction behaviors and the like, and when the violation operations of any user occur, the reputation value can be adapted to be deducted so as to warn the property transaction parties to obey the transaction rules.
In this embodiment, before the transaction contract is sent to both parties of the transaction, reputation value judgment is performed on both parties of the transaction to realize risk assessment of the transaction, when the transaction contract has risks, risk early warning prompt information is sent timely, and the transaction is cancelled to avoid potential transaction risks, so that the security of property transaction is improved.
Further, based on the above first and/or second embodiments, a third embodiment of a data processing method for the title transaction of the present application is provided, in this embodiment, step S40 includes:
step S41, receiving transaction fees sent by the first equipment;
and step S42, deducting and locking deposit in the transaction fee according to the transaction contract, and sending the rest fee to the second equipment.
Receiving transaction fees transmitted by the first equipment according to the amount in the transaction contract, deducting and locking deposit portions in the transaction fees according to the regulations in the transaction contract, and transmitting the residual fees after deducting the deposit to the second equipment; deducting means that the received value of the transaction fee sent by the first device is modified, namely, the value corresponding to the deposit is subtracted, and the modified value (residual fee) is sent to the second device; locking refers to storing the deposit portion in the transaction blockchain, i.e., storing the modified value in the transaction blockchain, and setting its attributes to be irremovable within the deadline of the transaction contract to avoid economic disputes caused by the transaction party withholding the deposit at will.
In a possible implementation manner, a plurality of corresponding automatic deduction times may be set according to the transaction contract, and when the automatic deduction time is reached, an automatic deduction instruction is generated and sent to the first device.
In this embodiment, the third party temporarily stores the deposit portion in the transaction fee, so as to avoid economic disputes caused by the random withholding of the deposit by the transaction party, thereby reducing the risk of the property transaction and improving the security degree of the transaction.
Step S43, when the contract expiration date in the trade contract meets a preset expiration reminding mechanism, preset expiration reminding information is sent to the two trade parties;
and step S44, receiving release information of the transaction contract responded by the two transaction parties, and returning the deposit to the first device on the day after the expiration date of the contract.
When the contract expiration date in the trading contract meets the preset expiration reminding mechanism, namely is closer to the contract expiration date, and the preset expiration reminding mechanism is triggered, preset expiration reminding information is sent to the trading parties so as to prompt the trading parties that the period of the trading contract of the trading parties is approaching; and after receiving the release information of the transaction contract, confirming that the transaction parties are not inconsistent with the transaction and the transaction contract content, and returning the deposit primary path to the first equipment on the day after the contract expiration date so as to finish the transaction.
The release information refers to normal release confirmation information of the transmitted contract, wherein the transaction parties are not inconsistent with the contents of the transaction contract close to the expiration date of the contract.
The expiration reminding mechanism is a time reminding mode, and when the time distance between the date and the term (due date of the contract) meets the triggering condition of the reminding mechanism, the expiration reminding mechanism is triggered; illustratively, the expiration alert mechanism is triggered when the time distance between the date of day and the deadline is less than or equal to 7 days.
In a possible implementation manner, if the objection information sent by any one of the two parties to the transaction in response to the transaction contract is received before the expiration date of the contract, the locking time of the deposit may be prolonged to a certain extent according to a preset transaction rule, so as to solve the objection existing in the transaction for the buffering time of the two parties to the transaction.
In another possible implementation manner, if the deduction information of the second device responding to the transaction contract is received, the deduction information is sent to the first device, after the deduction information of the first device responding to the deduction information is received, the deposit is deducted according to the deduction amount in the deduction information, the deduction part is sent to the second device, the rest part is used as the deposit, and the deposit is returned to the first device on the day after the expiration date of the contract.
In this embodiment, through setting a preset expiration reminding mechanism, timely reminding of the expiration time of the transaction contracts of both transaction parties is achieved, when both transaction parties confirm the transaction and the normal release of the transaction contracts, the locked deposit primary is returned to complete the transaction of the title in the day after the expiration date of the contract, and the deposit part in the transaction fee is temporarily stored by a third party, so that economic disputes caused by the random withholding of the deposit by the transaction parties are avoided, and the deposit is returned in time after the expiration of the transaction contracts, and the security of the transaction of the title is ensured.
Further, an embodiment of the present application further provides a data processing apparatus for a title transaction, referring to fig. 6, where the data processing apparatus for a title transaction is applied to a data processing device for a title transaction, the data processing apparatus for a title transaction includes:
a retrieving module 10, configured to receive a transaction application sent by a first device for a target property, and retrieve property information to be verified of the target property;
a consensus module 20, configured to perform a consensus mechanism on the title information to be verified, so as to obtain verified title information;
a generation module 30, configured to generate a transaction contract according to the transaction application and the verified property information, and send the transaction contract to both parties of the transaction;
And the uploading module 40 is configured to receive subscription information of the transaction parties in response to the transaction contract, deploy the transaction contract as a non-homogeneous token, and upload the non-homogeneous token to a preset transaction blockchain.
The specific implementation manner of the data processing device for the title transaction is basically the same as the embodiments of the data processing method for the title transaction, and is not repeated here.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising a title transaction" does not exclude the presence of additional identical elements in a process, method, article, or system comprising the element.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) as described above, including several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method described in the embodiments of the present application.
The foregoing description is only of the preferred embodiments of the present application, and is not intended to limit the scope of the claims, and all equivalent structures or equivalent processes using the descriptions and drawings of the present application, or direct or indirect application in other related technical fields are included in the scope of the claims of the present application.
Claims (10)
1. A data processing method for a title transaction, the data processing method for a title transaction comprising the steps of:
receiving a transaction application sent by first equipment aiming at a target title, and calling title information to be verified of the target title;
performing a consensus mechanism on the title information to be verified to obtain verified title information;
generating a transaction contract according to the transaction application and the verified property information, and sending the transaction contract to two transaction parties, wherein the two transaction parties are the first equipment and the second equipment corresponding to the property person of the target property;
and receiving the signing information of the transaction contract responded by the two transaction parties, deploying the transaction contract into non-homogeneous tokens, and uploading the non-homogeneous tokens to a preset transaction blockchain.
2. The data processing method of title transaction according to claim 1, wherein the step of receiving a transaction application transmitted by a first device for a target title and retrieving title information to be verified of the target title comprises:
Transmitting the transaction application to second equipment corresponding to the title person of the target title;
and receiving the consent information of the second equipment responding to the transaction application, and calling the property information to be verified of the target property according to the consent information.
3. The data processing method of title transaction according to claim 2, wherein the step of performing a consensus mechanism on the title information to be verified to obtain verified title information comprises:
sending a query request for the property information to be verified to a verification node of the transaction blockchain;
when the number of the same results of each verification node responding to the query request is received, and the preset number is met, the property information to be verified is judged to be accurate, and the property information to be verified is set as the verified property information.
4. The data processing method of title transaction according to claim 3, wherein the step of generating a transaction contract according to the transaction application and the verified title information comprises:
determining a preset contract template matched with the transaction type according to the transaction type to which the transaction application belongs;
And extracting key information in the transaction application and the verified property information, and filling the key information into the preset contract template to generate the transaction contract.
5. The data processing method of a title transaction as claimed in claim 4, further comprising, prior to said step of sending said transaction contract to both parties of the transaction:
acquiring reputation values of the two transaction parties, and judging whether the reputation values of the two transaction parties meet preset transaction standards or not;
if yes, judging that the transaction contract is safe, and executing the step of sending the transaction contract to both parties of the transaction;
if not, judging that the transaction contract has risks, sending preset risk early warning information to the two transaction parties, and canceling the transaction contract.
6. The data processing method of title transactions according to claim 5 wherein after said step of deploying said transaction contract as a non-homogenous token and uploading into a preset transaction blockchain includes:
receiving transaction fees sent by a first device;
and deducting and locking deposit in the transaction fee according to the transaction contract, and sending the rest fee to the second equipment.
7. The data processing method of title transactions according to claim 6 wherein after said step of deploying said transaction contract as a non-homogenous token and uploading into a preset transaction blockchain, further comprising:
when the contract expiration date in the trade contract meets a preset expiration reminding mechanism, sending preset expiration reminding information to the two trade parties;
and receiving release information of the transaction parties in response to the transaction contract, and returning the deposit to the first device on the day after the expiration date of the contract.
8. A data processing apparatus for a title transaction, the apparatus comprising:
the system comprises a calling module, a verification module and a verification module, wherein the calling module is used for receiving a transaction application sent by first equipment aiming at a target property and calling property information to be verified of the target property;
the consensus module is used for carrying out a consensus mechanism on the title information to be verified to obtain verified title information;
the generation module is used for generating a transaction contract according to the transaction application and the verified property information and sending the transaction contract to both parties of the transaction;
and the uploading module is used for receiving the signing information of the transaction contract responded by the two parties, deploying the transaction contract into non-homogeneous tokens and uploading the non-homogeneous tokens to a preset transaction blockchain.
9. A data processing apparatus for a title transaction, the apparatus comprising: a memory, a processor and a data processing program for a title transaction stored on the memory and executable on the processor, the data processing program for a title transaction being configured to implement the steps of the data processing method for a title transaction as claimed in any one of claims 1 to 7.
10. A storage medium having stored thereon a data processing program for a title transaction, which when executed by a processor, implements the steps of the data processing method for a title transaction according to any one of claims 1 to 7.
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| CN202310285200.5A CN116383875A (en) | 2023-03-22 | 2023-03-22 | Data processing method, device and equipment for property right transaction and storage medium thereof |
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| CN202310285200.5A CN116383875A (en) | 2023-03-22 | 2023-03-22 | Data processing method, device and equipment for property right transaction and storage medium thereof |
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