Electronic house loan system, computer equipment and storage medium

Abstract

The invention discloses an electronic house loan system, computer equipment and a storage medium, and the system comprises an external channel management module which is used for generating a channel information two-dimensional code, and completing the registration verification of channel personnel based on the code scanning operation; the real estate signing reservation module is connected with the WeChat official account interface, and receives and stores real estate signing reservation information submitted by the user; the transaction auditing and distributing module is used for auditing the reservation information by the transaction manager and manually distributing the transaction manager, and supporting the redistribution operation of the transaction manager; the progress tracking module is used for updating and displaying house loan and contract signing progress information and supporting a transaction manager to carry out state modification; and an authority management module. According to the invention, through two-dimensional code channel management, role grading authority, block chain evidence storage and automatic progress tracking, whole-process electronization of the house loan business is realized. Compared with a traditional mode, the business processing efficiency is improved, the data leakage risk is reduced, and the exception handling response time is shortened through a visual billboard and an early warning mechanism.

Description

Technical Field

[0001] The present invention relates to the field of electronic information technology for loans, and in particular to an electronic housing loan system, computer equipment and storage medium. Background Art

[0002] Traditional mortgage lending relies on offline paper document circulation and manual collaboration, which has significant flaws:

[0003] Inefficiency: Channel management requires sales staff to manually enter information, which takes an average of 48 hours. After signing, contracts must be physically delivered to multiple departments, and the archiving cycle can take up to 3-5 days.

[0004] Information opacity: Customers are unable to track progress in real time, and the overtime processing rate is >30%; data is fragmented between sales representatives, channel personnel, and transaction managers, resulting in a high rate of collaboration errors.

[0005] Security risks are prominent: paper contracts are easy to tamper with. Summary of the Invention

[0006] The purpose of the present invention is to solve the problems of the above-mentioned background technology and to provide an electronic mortgage system, computer equipment and storage medium.

[0007] The purpose of the present invention can be achieved through the following technical solutions:

[0008] An electronic mortgage system, comprising:

[0009] The external channel management module is used to generate channel information QR codes and complete the registration verification of channel personnel based on the code scanning operation;

[0010] The real estate contract appointment module is connected to the WeChat official account interface to receive and store the real estate contract appointment information submitted by users;

[0011] The transaction review and allocation module allows transaction supervisors to review appointment information and manually assign transaction managers, and supports transaction manager reassignment operations;

[0012] The progress tracking module is used to update and display mortgage and contract signing progress information, and supports transaction managers to modify status;

[0013] The permission management module assigns data viewing and operation permissions based on roles, including salesperson, transaction supervisor, and external channel personnel.

[0014] As a further solution of the present invention: the external channel management module includes:

[0015] A QR code generation unit generates a unique binding QR code based on the channel information in the CRM system;

[0016] Mobile phone number verification unit, which completes the identity verification of channel personnel through SMS verification codes;

[0017] The data synchronization unit associates the verified channel information with the CRM data entered by the salesperson.

[0018] As a further solution of the present invention: the transaction review allocation module further includes:

[0019] Message push unit, which pushes customer contract information and mortgage requirements to transaction managers;

[0020] The operation log unit records the review, allocation and modification operations of the transaction manager.

[0021] As a further solution of the present invention: the rights management module includes:

[0022] The salesperson permission unit only allows viewing of business data and prohibits modification;

[0023] External channel permission unit, which allows viewing real-time transaction progress but prohibits data modification;

[0024] The transaction supervisor authority unit allows viewing, reviewing, modifying transaction information and assigning permissions.

[0025] As a further solution of the present invention: the progress tracking module further includes:

[0026] Status update interface for transaction managers to upload contract documents, mortgage approval results, and transaction node information;

[0027] The visual dashboard displays the progress of the entire transaction process and abnormal warnings in the form of charts.

[0028] As a further solution of the present invention: the electronic mortgage system further includes:

[0029] Data encryption unit, which encrypts the transmission and storage of customer real estate information and contract data;

[0030] The blockchain evidence storage unit generates blockchain evidence for key operation records and contract documents.

[0031] As a further solution of the present invention: the message push unit supports multi-channel notifications, including WeChat public accounts, text messages and emails, and records the customer's reading status.

[0032] As a further solution of the present invention: the real estate contract signing appointment module integrates an electronic signature function, supports customers to sign electronic contracts online and automatically archive them to the CRM system.

[0033] As a further solution of the present invention: a computer device, characterized in that it includes a processor and a memory, the memory stores a computer program, and the processor implements the functions of the system as described in any one of claims 1-8 when executing the program.

[0034] As a further solution of the present invention: a storage medium, characterized in that it stores computer program instructions, and when the instructions are executed by a processor, the operation process of the system as described in any one of claims 1-8 is implemented.

[0035] The present invention achieves the full electronicization of the mortgage loan process through QR code-based channel management, hierarchical role permissions, blockchain evidence storage, and automated progress tracking. Compared with traditional methods, this improves business processing efficiency, reduces the risk of data leakage, and shortens exception handling response time through a visual dashboard and early warning mechanism. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] The present invention will be further described below with reference to the accompanying drawings.

[0037] Figure 1 It is a schematic diagram of the system flow of the present invention;

[0038] Figure 2 It is a schematic diagram of the process of the present invention in use. DETAILED DESCRIPTION

[0039] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making any creative efforts shall fall within the scope of protection of the present invention.

[0040] For example 1, please refer to Figure 1-2 As shown, the present invention is an electronic mortgage system, comprising:

[0041] The external channel management module is used to generate channel information QR codes and complete the registration verification of channel personnel based on the code scanning operation;

[0042] The real estate contract appointment module is connected to the WeChat official account interface to receive and store the real estate contract appointment information submitted by users;

[0043] The transaction review and allocation module allows transaction supervisors to review appointment information and manually assign transaction managers, and supports transaction manager reassignment operations;

[0044] The progress tracking module is used to update and display mortgage and contract signing progress information, and supports transaction managers to modify status;

[0045] The permission management module assigns data viewing and operation permissions based on roles, including salesperson, transaction supervisor, and external channel personnel.

[0046] For example 2, please refer to Figure 1-2 As shown, the present invention is an electronic mortgage system, comprising:

[0047] The external channel management module is used to generate channel information QR codes and complete the registration verification of channel personnel based on the code scanning operation;

[0048] The external channel management module includes: a QR code generation unit, which generates a unique binding QR code based on the channel information in the CRM system; a mobile phone number verification unit, which completes the identity verification of the channel personnel through the SMS verification code; and a data synchronization unit, which associates the verified channel information with the CRM data entered by the salesperson.

[0049] The real estate contract appointment module is connected to the WeChat official account interface to receive and store the real estate contract appointment information submitted by users;

[0050] The transaction review and allocation module allows transaction supervisors to review appointment information and manually assign transaction managers, and supports transaction manager reassignment operations;

[0051] The transaction review and allocation module further includes a message push unit that pushes customer contract information and mortgage requirements to the transaction manager, and an operation log unit that records the transaction manager's review, allocation, and modification operations. The message push unit supports multi-channel notifications, including WeChat official accounts, SMS, and email, and records customer read status.

[0052] The progress tracking module is used to update and display mortgage and contract signing progress information, and supports transaction managers to modify status;

[0053] The progress tracking module also includes: a status update interface for the transaction manager to upload contract documents, mortgage approval results and transaction node information; a visual dashboard that displays the progress of the entire transaction process and abnormal warnings in the form of charts.

[0054] The permission management module assigns data viewing and operation permissions based on roles, including salesperson, transaction supervisor, and external channel personnel.

[0055] The authority management module includes: a salesperson authority unit, which only allows viewing of business data and prohibits modification; an external channel authority unit, which allows viewing of real-time transaction progress but prohibits data modification; and a transaction supervisor authority unit, which allows viewing, reviewing, modifying transaction information and allocating permissions.

[0056] The real estate contract signing appointment module integrates electronic signature function, supports customers to sign electronic contracts online and automatically archive them to the CRM system.

[0057] For example three, please refer to Figure 1-2 As shown, the present invention is an electronic mortgage system, comprising:

[0058] The external channel management module is used to generate channel information QR codes and complete the registration verification of channel personnel based on the code scanning operation;

[0059] The external channel management module includes: a QR code generation unit, which generates a unique binding QR code based on the channel information in the CRM system; a mobile phone number verification unit, which completes the identity verification of the channel personnel through the SMS verification code; and a data synchronization unit, which associates the verified channel information with the CRM data entered by the salesperson.

[0060] The real estate contract appointment module is connected to the WeChat official account interface to receive and store the real estate contract appointment information submitted by users;

[0061] The transaction review and allocation module allows transaction supervisors to review appointment information and manually assign transaction managers, and supports transaction manager reassignment operations;

[0062] The transaction review and allocation module further includes a message push unit that pushes customer contract information and mortgage requirements to the transaction manager, and an operation log unit that records the transaction manager's review, allocation, and modification operations. The message push unit supports multi-channel notifications, including WeChat official accounts, SMS, and email, and records customer read status.

[0063] The progress tracking module is used to update and display mortgage and contract signing progress information, and supports transaction managers to modify status;

[0064] The progress tracking module also includes: a status update interface for the transaction manager to upload contract documents, mortgage approval results and transaction node information; a visual dashboard that displays the progress of the entire transaction process and abnormal warnings in the form of charts.

[0065] The permission management module assigns data viewing and operation permissions based on roles, including salesperson, transaction supervisor, and external channel personnel.

[0066] The authority management module includes: a salesperson authority unit, which only allows viewing of business data and prohibits modification; an external channel authority unit, which allows viewing of real-time transaction progress but prohibits data modification; and a transaction supervisor authority unit, which allows viewing, reviewing, modifying transaction information and allocating permissions.

[0067] The real estate contract signing appointment module integrates electronic signature function, supports customers to sign electronic contracts online and automatically archive them to the CRM system.

[0068] The electronic mortgage system also includes:

[0069] Data encryption unit, which encrypts the transmission and storage of customer real estate information and contract data;

[0070] The blockchain evidence storage unit generates blockchain evidence for key operation records and contract documents.

[0071] An embodiment of the present invention further provides a computer device, including a processor and a memory, wherein the memory stores a computer program, and when the processor executes the program, the functions of the system according to any one of claims 1 to 8 are realized.

[0072] An embodiment of the present invention further provides a storage medium, characterized in that it stores computer program instructions, and when the instructions are executed by a processor, the operation process of the system according to any one of claims 1 to 8 is implemented.

[0073] Based on the above embodiments, it is worthwhile to add that:

[0074] Registration process for the external channel management module

[0075] QR code generation and binding:

[0076] After the salesperson logs into the CRM system, he or she enters the channel name, contact person, region and other information in the "Channel Management" interface. The system automatically generates a unique encrypted QR code (based on the SHA-256 algorithm) and binds the CRM account of the channel.

[0077] Channel personnel use WeChat to scan the QR code, jump to the registration page, enter their mobile phone number, and trigger the SMS verification code. After the system verifies that the mobile phone number matches the channel information, the registration is completed and the permissions are activated.

[0078] Data synchronization and association:

[0079] After successful registration, the channel personnel's identity information (such as mobile phone number, name) is automatically associated with the channel information entered by the salesperson and marked as "verified channel" in the CRM system.

[0080] Salesmen can view the status of all verified channels and corresponding contract appointment records in the "Channel List".

[0081] Real estate contract appointment and electronic signature

[0082] Submit information via WeChat official account:

[0083] Customers enter the "Mortgage Signing" page through the WeChat official account menu and fill in the property information (such as address, area, property certificate number), loan requirements (amount, term) and contact information.

[0084] The system calls the OCR interface to automatically identify the uploaded real estate certificate image, extract key fields and fill them into the form, reducing manual input errors.

[0085] Electronic contract signing:

[0086] After the customer submits the appointment information, the system generates an electronic contract (PDF format) and pushes a signing link via SMS and WeChat public account.

[0087] The customer uses a digital certificate or dynamic verification code to complete the electronic signature. The signed contract is automatically encrypted (AES-256) and stored in the blockchain evidence unit, generating a unique hash value as the evidence certificate.

[0088] Transaction review allocation and progress tracking

[0089] Manual review and allocation:

[0090] After logging into the system, the transaction manager will review the contract information and loan request submitted by the customer in the "Pending Review List." If the information is complete, they will click "Approve" and manually select a transaction manager. If the information is missing, the application will be rejected and supplemented.

[0091] After the allocation is completed, the system pushes task notifications to the transaction manager via WeChat official account, SMS and email, and records the customer's reading status.

[0092] Progress visualization and abnormal warning:

[0093] The transaction manager updates the signing status (such as "face-to-face signing completed" and "mortgage registration in progress") on the "Progress Tracking" interface, uploads documents (such as approval letters and mortgage certificates), and fills in the estimated completion time.

[0094] The system triggers an early warning based on preset rules (such as timeout and unprocessed transactions), marks abnormal nodes in red on the visual dashboard, and pushes reminder messages to the transaction manager.

[0095] Permission management and security control

[0096] Role permission allocation:

[0097] External channel personnel can only view the contract signing progress of the channels under their name, and the interface hides sensitive fields (such as customer ID number and loan amount);

[0098] Salespeople can view all channel data but are prohibited from modifying transaction information;

[0099] The transaction manager has the highest authority and can modify contract terms, reassign transaction managers, and export encrypted business reports.

[0100] Blockchain evidence storage and auditing:

[0101] The system records key operations (such as contract signing and status modification) as blockchain transactions, packages them on the chain (using the Hyperledger Fabric framework) to ensure that the data cannot be tampered with.

[0102] Auditors can query operation logs through blockchain browsers to verify the authenticity and timestamp of transactions.

[0103] Data encryption and exception handling

[0104] Transmission and storage encryption:

[0105] Customer sensitive data (such as mobile phone numbers and ID numbers) is encrypted using the TLS1.3 protocol during transmission;

[0106] When stored, database fields are encrypted using symmetric encryption (AES-GCM mode) with keys hosted by a hardware security module (HSM).

[0107] Abnormal rollback mechanism:

[0108] If a transaction manager makes an error that causes data errors, the system automatically retains a snapshot of the operation. The transaction manager can roll back to the previous version with one click and record the reason for the rollback in the operation log.

[0109] It is also worth adding:

[0110] Registration process for the external channel management module

[0111] QR code generation and binding mechanism

[0112] Input information processing: After the salesperson enters the channel name, contact person, and region information in the "Channel Management" interface of the CRM system, the system extracts the channel ID (12-digit unique digital code), salesperson ID (8-digit system identifier), and current timestamp (Unix millisecond value).

[0113] Cryptographic binding: Adopting a layered encryption strategy:

[0114] ① Generate a basic string: concatenate the channel ID, salesperson ID, and timestamp, separated by vertical bars (e.g., "CH20240001|AGENT007|1716800000");

[0115] ② Hash operation: Generate a 256-bit hash value using the SHA-256 algorithm as the core data of the QR code;

[0116] ③Base64 conversion: Convert the hash value into a Base64 encoded string to generate the final QR code image.

[0117] Anti-counterfeiting verification logic: After scanning the code, the system parses the Base64 string and reverse decrypts it to verify whether the channel ID exists in the verification queue. If it does not exist or the hash value does not match, the registration is rejected and the exception log is recorded.

[0118] Mobile phone number verification and permission activation

[0119] After scanning the QR code, the channel staff will be redirected to the H5 registration page and enter their mobile phone number to trigger the SMS verification code (6 digits, valid for 5 minutes).

[0120] The system verifies whether the mobile phone number's location is consistent with the channel registration area. If so, a verification code will be sent; otherwise, the process will be blocked and a "region mismatch" prompt will be displayed.

[0121] After verification, the channel personnel identity information (name, mobile phone number) will be automatically bound to the channel information entered by the salesperson, and marked as "verified" in the CRM database, and the progress viewing permission will be enabled.

[0122] Real estate contract appointment and electronic signature

[0123] WeChat official account information submission

[0124] OCR Smart Fill: After the customer uploads a photo of the property certificate, the system calls the OCR engine (integrated with the Alibaba Cloud text recognition API) to perform the following operations:

[0125] ① Locate key field areas (such as property certificate number, house address, and building area);

[0126] ②Extract text content and automatically fill it into the corresponding fields of the form;

[0127] ③ Launch the super-resolution reconstruction algorithm (SRCNN model) for blurred images to improve the recognition accuracy to 98.5%.

[0128] Data verification rules: If the deviation between the area extracted by OCR and the value manually entered by the customer is greater than 5%, the system will pop up a prompt "Please manually verify the area data."

[0129] Electronic signatures and blockchain evidence storage

[0130] Contract generation: After the appointment information is submitted, the system calls the template engine to inject the data into the standard mortgage contract (PDF format) and add a unique contract number (rule: city code + year, month, day + 6-digit random number).

[0131] Signing process:

[0132] ①The customer chooses the signing method: digital certificate (bank USB shield) or dynamic verification code (SMS + face liveness detection);

[0133] ②Once the signature is completed, the system performs AES-256 encryption (key length 256 bits, CBC mode) and stores the ciphertext in the distributed file system (IPFS);

[0134] ③ Generate a file hash value (Keccak-256 algorithm) and write it to the blockchain (Hyperledger Fabric framework). The data packet on the chain contains: contract ID, signing timestamp, customer ID, and hash value.

[0135] Evidence tracing: Auditors can enter the contract ID through the blockchain browser to verify the document integrity and signing time (time error ≤ 500ms).

[0136] Transaction review allocation and progress tracking

[0137] Manual review and dynamic allocation

[0138] Intelligent pre-review assistance: When the transaction supervisor views the pending review list, the system automatically performs the following:

[0139] ① Completeness check: If required fields (such as property certificate number, loan amount) are missing, a red warning will be marked;

[0140] ② Initial risk screening: If the loan amount is greater than 200% of the average housing price in the area, a prompt “suggesting additional proof of income” will be pushed.

[0141] Allocation strategy: When the supervisor manually selects a transaction manager, the system displays the manager's current load index (calculation rule: number of ongoing tasks / average daily processing capacity) to avoid uneven allocation.

[0142] Progress tracking and abnormal warning

[0143] Dynamic threshold rules: Visual dashboard presets multi-dimensional warning conditions:

[0144] Dynamic adjustment conditions for node basic thresholds

[0145] 3 days after the interview is completed. Customers aged ≥ 60 years old → extended to 5 days

[0146] Mortgage registration time shortened from 5 days to 3 days in first-tier cities

[0147] Loan disbursement within 7 days; loan amount > 5 million → extended to 10 days

[0148] Early warning trigger mechanism:

[0149] ① Yellow warning: Push notification to the housekeeper WeChat and CRM workstation 24 hours before the expiration date;

[0150] ② Red alert: After the timeout, the supervisor will be automatically notified and an "Exception Handling Work Order" will be generated on the dashboard.

[0151] File synchronization: The system automatically adds watermarks (including upload time and operator ID) to files such as mortgage certificates uploaded by the housekeeper to prevent information leakage.

[0152] Permission management and security control

[0153] Three-level permission verification process

[0154] Level 1: Character Interception

[0155] External channel personnel: Initiate a "Modify Contract" request → the system returns error code 403 (Insufficient Permissions);

[0156] Salesperson: Request "Export customer data" → trigger secondary verification.

[0157] Level 2: Operation type verification

[0158] The salesperson applies for "check progress" → access is allowed;

[0159] If you apply for "Modify Loan Amount" → intercept and record the violation log.

[0160] Level 3: Data desensitization

[0161] When external channel personnel check the progress, the ID number is displayed as "110105******123X" and the loan amount is displayed in a range (such as "1 million to 1.5 million").

[0162] Blockchain Auditing and Key Management

[0163] Operation Evidence: When the transaction manager executes the contract modification, the system records:

[0164] ① Content difference before and after modification (JSON Diff algorithm);

[0165] ② Operator digital signature (RSA-2048 asymmetric encryption);

[0166] ③The evidence data is packaged and uploaded to the chain to generate a transaction hash (TxHash).

[0167] Key escrow: Database encryption keys are managed by a hardware security module (HSM), and the administrator must present a physical key card for authentication when accessing the key.

[0168] Data encryption and exception handling

[0169] End-to-end encryption scheme

[0170] Transport layer: Customer sensitive data (ID card, bank card number) is encrypted using the TLS 1.3 protocol, and weak cipher suites (such as RC4 and SHA-1) are disabled.

[0171] Storage layer:

[0172] ①Structured data (MySQL): column-level encryption (AES-GCM mode) is used, with a key rotation period of ≤30 days;

[0173] ② Unstructured data (contract documents): Object Storage (OSS) server-side encryption + client-side encryption for double insurance.

[0174] Exception rollback mechanism

[0175] When the manager makes an error (e.g., incorrectly marks "Contract Failed"):

[0176] ①The system automatically saves the snapshot before the operation (based on Redis memory snapshot technology);

[0177] ② The supervisor clicks "Rollback" on the "Operation Log" interface and enters the reason for the rollback;

[0178] ③ The data is restored to the previous version, and an "Abnormal Correction Record" is generated as a blockchain evidence.

[0179] The above is a detailed description of an embodiment of the present invention. However, the content described is only a preferred embodiment of the present invention and should not be considered to limit the scope of the present invention. All equivalent changes and improvements made within the scope of the present invention should still fall within the scope of the claims of the present invention.

Claims

1. An electronic mortgage system, characterized in that: include: The external channel management module is used to generate channel information QR codes and complete the registration verification of channel personnel based on the code scanning operation; The real estate contract appointment module is connected to the WeChat official account interface to receive and store the real estate contract appointment information submitted by users; The transaction review and allocation module allows transaction supervisors to review appointment information and manually assign transaction managers, and supports transaction manager reassignment operations; The progress tracking module is used to update and display mortgage and contract signing progress information, and supports transaction managers to modify status; The permission management module assigns data viewing and operation permissions based on roles.

2. The electronic mortgage system according to claim 1, characterized in that: The external channel management module includes: A QR code generation unit generates a unique binding QR code based on the channel information in the CRM system; Mobile phone number verification unit, which completes the identity verification of channel personnel through SMS verification codes; The data synchronization unit associates the verified channel information with the CRM data entered by the salesperson.

3. The electronic mortgage system according to claim 1, characterized in that: The transaction review allocation module further includes: Message push unit, which pushes customer contract information and mortgage requirements to transaction managers; The operation log unit records the review, allocation and modification operations of the transaction manager.

4. The electronic mortgage system according to claim 1, characterized in that: The rights management module includes: The salesperson permission unit only allows viewing of business data and prohibits modification; External channel permission unit, which allows viewing real-time transaction progress but prohibits data modification; The transaction supervisor authority unit allows viewing, reviewing, modifying transaction information and assigning permissions.

5. The electronic mortgage system according to claim 1, characterized in that: The progress tracking module also includes: Status update interface for transaction managers to upload contract documents, mortgage approval results, and transaction node information; The visual dashboard displays the progress of the entire transaction process and abnormal warnings in the form of charts.

6. The electronic mortgage system according to claim 1, characterized in that: The electronic mortgage system also includes: Data encryption unit, which encrypts the transmission and storage of customer real estate information and contract data; The blockchain evidence storage unit generates blockchain evidence for key operation records and contract documents.

7. The electronic mortgage system according to claim 3, characterized in that: The message push unit supports multi-channel notifications, including WeChat official accounts, text messages and emails, and records the customer's reading status.

8. The electronic mortgage system according to claim 1, characterized in that: The real estate contract signing appointment module integrates electronic signature function, supports customers to sign electronic contracts online and automatically archive them to the CRM system.

9. A computer device, characterized in that: The system comprises a processor and a memory, wherein the memory stores a computer program, and when the processor executes the program, the system realizes the functions of any one of claims 1 to 8.

10. A storage medium, characterized in that: Computer program instructions are stored, and when the instructions are executed by a processor, the operation flow of the system according to any one of claims 1 to 8 is implemented.

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