Real estate acknowledgement fund supervision method and system based on digital currency

Abstract

The embodiment of the invention provides a real estate acknowledgement fund supervision method and system based on digital currency, and relates to the technical field of smart contracts. The method comprises the following steps: extracting an acknowledgement contract element from a received acknowledgement contract template based on real estate acknowledgement, generating an intelligent contract corresponding to the acknowledgement contract element, and deploying the intelligent contract; the smart contract executes the following steps based on a trigger instruction: if the trigger instruction of the smart contract is signing confirmation and the smart contract is in a to-be-signed confirmation state, the state of the smart contract is changed into a signed state, and a locking operation on funds acknowledged in a financial system is triggered; and based on a trigger instruction of performance confirmation, changing the state of the smart contract into a performance state, and triggering a transfer operation of funds locked in the financial system. According to the implementation mode provided by the invention, through the intelligent contract relying on the digital RMB, automatic management of funds for funding and funding is realized.

Description

Technical Field

[0001] The present application relates to the field of smart contract technology, and specifically to a real estate subscription fund supervision method based on digital currency, a real estate subscription fund supervision system based on digital currency, a computer-readable storage medium, and a computer program product. Background Art

[0002] Under the existing pre-sale fund supervision model, real estate developers often use subscription activities to attract buyers to pay funds by booking houses or offering purchase discounts. Real estate developers use this to lock in buyers' subscription funds several months or years in advance. Real estate companies generally use non-supervisory accounts to collect buyers' subscription funds, thereby avoiding the pre-sale fund supervision of the competent authorities. This easily leads to risks such as misappropriation of funds, endangering the financial security of buyers.

[0003] Currently, most of the subscription agreements signed between home buyers and real estate developers are offline agreements, which are at risk of being lost. In addition, most home buyers pay the subscription money in cash, online banking or POS, and the money is directly transferred to the developer's account, which is at risk of being misappropriated.

[0004] Smart contract is a concept proposed by computer scientist Szabo in 1995. It is a set of promises defined in digital form, including the protocols on which the contract participants can execute these promises. Simply put, a smart contract is a computer program that is automatically executed when certain conditions are met. Summary of the invention

[0005] The purpose of the implementation mode of this application is to provide a real estate subscription fund supervision method and system based on digital currency, which realizes efficient supervision of the subscription funds by relying on the smart contract of digital RMB, so as to at least solve some technical problems in the background technology.

[0006] In order to achieve the above-mentioned purpose, in the first aspect of the present application, a real estate subscription fund supervision method based on digital currency is provided, comprising: extracting subscription contract elements from a received subscription contract template based on real estate subscription, generating and deploying a smart contract corresponding to the subscription contract elements; the smart contract executes the following steps based on a trigger instruction: if the trigger instruction of the smart contract is a signing confirmation and the smart contract is in a state to be confirmed, the smart contract changes its state to a signed state, and triggers a locking operation of the subscription funds in the financial system; if the trigger instruction of the smart contract is a performance confirmation and the smart contract is in a state to be confirmed, the smart contract changes its state to a performed state, and triggers a transfer operation of the subscription funds locked in the financial system.

[0007] Preferably, subscription contract elements are extracted from a received subscription contract template based on real estate subscription, and a smart contract corresponding to the subscription contract elements is generated and deployed, including: receiving a subscription contract template from a housing management system; the housing management system includes a subscription building management module and a subscription contract management module; extracting subscription contract elements from the subscription contract template; the subscription contract elements include a smart contract name, project information and smart contract information; determining content parameters of the smart contract based on the subscription contract elements; and deploying the smart contract after determining the content parameters.

[0008] Preferably, the smart contract also includes an initial state; after the smart contract with determined content parameters is deployed, the state of the smart contract is the initial state; if the triggering instruction of the smart contract is a signing application and the smart contract is in the initial state, the smart contract change state is the pending signing confirmation state; if the triggering instruction of the smart contract is a performance application and the smart contract is in the signed state, the smart contract change state is the pending performance confirmation state.

[0009] Preferably, the subscription funds are digital RMB, and the wallet transaction settlement module has an interface for intercommunication with digital RMB.

[0010] Preferably, the smart contract is set in the financial system, and the financial system and the housing management system exchange data through a preset software interface; the smart contract includes a publishing sub-module, a signing sub-module and a performance sub-module; the publishing sub-module includes the subscription contract template push interface, which is configured to: receive the subscription contract template from the housing management system, generate the corresponding smart contract and deploy it; the signing sub-module includes the subscription contract signing application interface and the subscription contract signing confirmation interface, which is configured to: when the triggering instructions are signing application and signing confirmation, execute corresponding operations; the performance sub-module includes the subscription contract performance application interface and the subscription contract performance confirmation interface, which is configured to execute corresponding operations when the triggering instructions are performance application and performance confirmation.

[0011] Preferably, the smart contract is also configured to perform the following steps based on the trigger instruction: if the trigger instruction of the smart contract is a cancellation application, the smart contract changes its state to a pending cancellation confirmation state; and determines whether the current time is greater than the agreed termination time of the contract; if the current time is greater than the agreed termination time of the contract, and the trigger instruction is a cancellation confirmation, and the cancellation application and the cancellation confirmation are sent by the same sender, the smart contract changes its state to a revoked state; if the current time is less than the agreed termination time of the contract, and the trigger instruction is a cancellation confirmation from both parties to the contract, the smart contract changes its state to a revoked state; correspondingly, the housing management system and the financial system interact with each other through the subscription contract cancellation application interface and the subscription contract cancellation confirmation interface to exchange the cancellation application and the cancellation confirmation.

[0012] The second aspect of the present application provides a real estate subscription fund supervision system based on digital currency, the system comprising: a housing management system for real estate subscription management and a financial system for subscription fund management based on the real estate subscription; the financial system comprising: a smart contract module and a wallet transaction settlement module; the smart contract module is configured to: extract subscription contract elements from a received subscription contract template based on real estate subscription, generate and deploy a smart contract corresponding to the subscription contract elements; the smart contract executes the following steps based on a trigger instruction: if the trigger instruction of the smart contract is a signing confirmation and the smart contract When the contract is in a pending confirmation state, the smart contract changes its state to a signed state and triggers a locking operation on the subscription funds in the financial system; if the trigger instruction of the smart contract is a performance confirmation and the smart contract is in a pending performance confirmation state, the smart contract changes its state to a performed state and triggers a transfer operation on the subscription funds locked in the financial system; the wallet transaction settlement module is configured to: in response to a trigger after the signing confirmation, perform a locking operation on the subscription funds in the financial system, and in response to a trigger after the performance confirmation, perform a transfer operation on the subscription funds locked in the financial system.

[0013] Preferably, the smart contract module extracts subscription contract elements from the received subscription contract template based on real estate subscription, generates and deploys smart contracts corresponding to the subscription contract elements, including: receiving a subscription contract template from a housing management system; the housing management system includes a subscription building management module and a subscription contract management module; the subscription building management module is used to maintain buildings to be subscribed; the subscription contract management module is used to maintain subscription contracts for different buildings; extracting subscription contract elements from the subscription contract template; the subscription contract elements include a smart contract name, project information and smart contract information; determining content parameters of the smart contract based on the subscription contract elements; and deploying the smart contract after determining the content parameters.

[0014] Preferably, the smart contract also includes an initial state; after the smart contract with determined content parameters is deployed, the state of the smart contract is the initial state; if the triggering instruction of the smart contract is a signing application and the smart contract is in the initial state, the smart contract change state is the pending signing confirmation state; if the triggering instruction of the smart contract is a performance application and the smart contract is in the signed state, the smart contract change state is the pending performance confirmation state.

[0015] Preferably, the subscription funds are digital RMB, and the financial system has an interface for intercommunication with the digital RMB.

[0016] Preferably, the housing management system and the financial system exchange data through a preset software interface; the smart contract in the smart contract module includes the following sub-modules: a publishing sub-module, a signing sub-module, and a performance sub-module. The publishing sub-module includes the subscription contract template push interface, which is configured to: receive the subscription contract template from the housing management system, generate the corresponding smart contract and deploy it; the signing sub-module includes the subscription contract signing application interface and the subscription contract signing confirmation interface, which is configured to: when the triggering instructions are signing application and signing confirmation, execute corresponding operations; the performance sub-module includes the subscription contract performance application interface and the subscription contract performance confirmation interface, which is configured to execute corresponding operations when the triggering instructions are performance application and performance confirmation.

[0017] Preferably, the smart contract module also includes a contract termination module, and the contract termination module is configured to perform the following steps based on the trigger instruction: if the trigger instruction of the smart contract is a revocation application, the smart contract changes its state to a state to be confirmed for revocation; and determines whether the current time is greater than the agreed termination time of the contract; if the current time is greater than the agreed termination time of the contract, and the trigger instruction is a revocation confirmation, and the revocation application and the revocation confirmation are sent by the same sender, the smart contract changes its state to a revoked state; if the current time is less than the agreed termination time of the contract, and the trigger instruction is a revocation confirmation from both parties to the contract, the smart contract changes its state to a revoked state; correspondingly, the housing management system and the financial system interact with each other through the subscription contract revocation application interface and the subscription contract revocation confirmation interface.

[0018] In the third aspect of the present application, an electronic device is also provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the aforementioned digital currency-based real estate subscription fund supervision method when executing the computer program.

[0019] In the fourth aspect of the present application, a computer-readable storage medium is also provided, in which instructions are stored, and when the instructions are executed on a computer, the computer executes the steps of the aforementioned digital currency-based real estate subscription fund supervision method.

[0020] In a fifth aspect of the present application, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the aforementioned digital currency-based real estate subscription fund supervision method.

[0021] The above technical solution has at least the following beneficial effects:

[0022] (1) Relying on the smart contract technology of the digital RMB, it will not affect the existing business scenarios, but can provide greater financial security for home buyers.

[0023] (2) It has expanded the usage scenarios of the digital RMB and promoted the promotion and application of the digital RMB.

[0024] (3) It avoids offline processes and allows all business to be handled online, which is convenient and fast.

[0025] Other features and advantages of the embodiments of the present application will be described in detail in the subsequent detailed description. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] The accompanying drawings are used to provide a further understanding of the embodiments of the present application and constitute a part of the specification. Together with the following specific embodiments, they are used to explain the embodiments of the present application, but do not constitute a limitation on the embodiments of the present application. In the accompanying drawings:

[0027] Figure 1 The following is a schematic diagram showing the steps of a method for supervising real estate subscription funds based on digital currency according to an embodiment of the present application;

[0028] Figure 2 A schematic diagram of an application environment according to an embodiment of the present application is schematically shown;

[0029] Figure 3 A schematic diagram schematically shows a core business process according to an embodiment of the present application;

[0030] Figure 4 A schematic diagram of data interaction for contract release according to an embodiment of the present application is shown schematically;

[0031] Figure 5 A schematic diagram of data interaction for contract signing according to an embodiment of the present application is shown;

[0032] Figure 6A schematic diagram of data interaction for contract performance according to an embodiment of the present application is schematically shown;

[0033] Figure 7 The structure diagram of the real estate subscription fund supervision system based on digital currency according to the implementation mode of the present application is schematically shown;

[0034] Figure 8 The internal structure of a computer device according to an embodiment of the present application is schematically shown. DETAILED DESCRIPTION

[0035] In order to make the purpose, technical solutions and advantages of the implementation methods of the present application clearer, the technical solutions in the implementation methods of the present application will be clearly and completely described below in conjunction with the drawings in the implementation methods of the present application. It should be understood that the specific implementation methods described herein are only used to illustrate and explain the implementation methods of the present application, and are not used to limit the implementation methods of the present application. Based on the implementation methods in the present application, all other implementation methods obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0036] In addition, if there are descriptions involving "first", "second", etc. in the implementation methods of this application, the descriptions of "first", "second", etc. are only used for descriptive purposes and cannot be understood as indicating or suggesting their relative importance or implicitly indicating the number of technical features indicated. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In addition, the technical solutions between the various implementation methods can be combined with each other, but they must be based on the ability of ordinary technicians in the field to implement them. When the combination of technical solutions is contradictory or cannot be implemented, it should be deemed that such combination of technical solutions does not exist and is not within the scope of protection required by this application.

[0037] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0038] Figure 1 The following is a schematic diagram showing the steps of a method for supervising real estate subscription funds based on digital currency according to an embodiment of the present application. Figure 1 As shown, a real estate subscription fund supervision method based on digital currency extracts subscription contract elements from a received subscription contract template based on real estate subscription, generates and deploys a smart contract corresponding to the subscription contract elements; the smart contract executes the following steps based on a trigger instruction:

[0039] If the triggering instruction of the smart contract is signing confirmation and the smart contract is in the state of pending signing confirmation, the smart contract changes its state to the signed state, and triggers the locking operation of the subscription funds in the financial system; if the triggering instruction of the smart contract is performance confirmation and the smart contract is in the state of pending performance confirmation, the smart contract changes its state to the performed state, and triggers the transfer operation of the subscription funds locked in the financial system.

[0040] It should be noted that the above operation logic of the smart contract is written into the smart contract and can be deployed on a blockchain or consortium chain or other chains with similar functions. Based on the characteristics of the smart contract, it is only triggered by a certain event in the smart contract, and the code is automatically executed without human control. The signing application, signing confirmation, etc. in this implementation are the aforementioned events. The naming is only used to distinguish events and does not represent a certain functional limitation.

[0041] Through the methods in the above implementation methods, relying on the smart contract of digital RMB, real estate companies issue smart contracts for subscription of pre-sale projects, and buyers can choose the smart contract for subscription to sign. After signing, the subscription funds are locked. When the real estate company signs a formal purchase contract with the buyer, the real estate company initiates the contract performance, and the locked subscription funds are transferred from the personal wallet to the real estate development company's electronic wallet. Under this scheme, the subscription funds are locked in the buyer's personal wallet before signing the purchase contract. For real estate companies, the customer source is locked, and sales plans can be better arranged.

[0042] Figure 2 The following schematic diagram shows an application environment according to the implementation scheme of the present application. The real estate subscription fund supervision method based on digital currency provided in the present application can be applied to Figure 2 In the application environment shown in FIG. 1 , the terminal communicates with the platform where the smart contract is located through the network. The terminal may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, and portable wearable devices. The smart contract platform refers to the hardware infrastructure required for the deployment and operation of the smart contract code. The hardware infrastructure is preferably a blockchain. Transactions are recorded on the blockchain. Once recorded, they cannot be changed or deleted. The blockchain can be implemented with an independent server or a server cluster consisting of multiple servers.

[0043] In some embodiments of the present application, the smart contract is generated and deployed through the following steps: receiving a subscription contract template from a housing management system; the housing management system includes a subscription building management module and a subscription contract management module; extracting subscription contract elements from the subscription contract template; the subscription contract elements include a smart contract name, project information, and smart contract information; determining the content parameters of the smart contract based on the subscription contract elements; and deploying the smart contract after determining the content parameters. The subscription contract template comes from a housing management system, and the housing management system includes: a subscription building management module and a subscription contract management module. Among them, the subscription building management module is used to maintain buildings to be subscribed; real estate developers maintain buildings open to subscription, and these buildings need to be registered with government regulatory authorities. The subscription contract management module is used to maintain subscription contracts for different buildings; real estate developers maintain subscription contracts for different buildings. The elements of the subscription contract include: project registration number (all properties to be launched must be approved by the G-end housing management system), project name, project address, unified credit code of real estate developers, name of real estate developers (seller), contract start time, contract end time, contract amount, seller’s wallet number, and smart contract name (subsequent wallets can be retrieved by name).

[0044] In some embodiments of the present application, the smart contract also includes an initial state; after the smart contract with determined content parameters is deployed, the state of the smart contract is the initial state; if the trigger instruction of the smart contract is a signing application and the smart contract is in the initial state, the smart contract changes its state to the pending signing confirmation state; if the trigger instruction of the smart contract is a performance application and the smart contract is in the signed state, the smart contract changes its state to the pending performance confirmation state. In this embodiment, examples are given of the various states of the smart contract and the transitions between states. The smart contract transitions between the above states based on the trigger instruction. The current state of the smart contract can be queried through the subscription contract status query interface, so that customers or managers can understand the current progress of each smart contract.

[0045] In some embodiments of the present application, the subscription funds are digital RMB, and the financial system has an interface that communicates with the digital RMB. This solution uses digital currency as a form of funds for subscription transactions. At present, the digital currency in circulation in my country is mainly digital RMB. Digital RMB (tentatively referred to as "e-CNY") is a legal tender in digital form issued by the People's Bank of China, operated by designated operating institutions and exchanged to the public. It is based on a broad account system, supports loose coupling functions of bank accounts, is equivalent to paper money and coins, has value characteristics and legal compensation, and supports controllable anonymity. There are 4 types of digital RMB payment interfaces (online) that merchants can choose from, namely: digital RMB H5 payment, digital RMB password-free protocol payment, sub-wallet push function, and digital RMB APP payment. Users can complete the payment after selecting an opened sub-wallet in the digital RMB APP to verify the password. This implementation expands the use scenarios of digital RMB.

[0046] In some embodiments of the present application, the smart contract is set in the financial system, and the housing management system and the financial system exchange data through the following software interfaces: subscription contract template push interface, subscription contract signing application interface, subscription contract signing confirmation interface, subscription contract performance application interface, subscription contract performance confirmation interface and subscription contract status query interface. Setting up multiple standard software interfaces between the housing management system and the financial system is conducive to the software development and function expansion of the system. Among them, the subscription contract template push interface is used for the housing management system to push the subscription contract template to the financial system, the subscription contract signing application interface is used to receive the signing application from the housing management system, the subscription contract signing confirmation interface is used to receive the signing confirmation from the housing management system, the subscription contract performance application interface is used to receive the performance application from the housing management system, the subscription contract performance confirmation interface is used to receive the performance confirmation from the housing management system, and the subscription contract status query interface is used to query the current status of the smart contract from the smart contract module.

[0047] In some embodiments of the present application, the financial system includes: a smart contract module and a wallet transaction settlement module; the smart contract module includes the following submodules to implement the corresponding substeps: a publishing submodule, a signing submodule, and a performance submodule. The core business process of this solution is divided into three steps, namely: contract publishing, contract signing, and contract performance. Figure 3 The following schematically shows the core business process according to the implementation scheme of the present application. Figure 3 As shown in Figure 1, the smart contract includes the following submodules: publishing submodule, signing submodule and performance submodule. Each of the above submodules is used to implement part of the functions of the smart contract.

[0048] Figure 4 The following is a schematic diagram showing the data interaction of the contract release according to the implementation mode of the present application. Figure 4As shown, the publishing submodule is used to respond to the subscription contract template pushed by the housing management system (hereinafter referred to as the G end), convert it into a smart contract of the financial system (hereinafter referred to as the B end) and publish it; contract publishing mainly refers to the real estate developer maintaining the basic information of the subscription contract corresponding to the subscription activity after completing the project declaration for the commodity housing pre-sale project, and pushing it to the financial system for contract standardization and release. It mainly includes the subscription project maintenance and subscription contract entry of the G end, and the B end performs contract standardization and contract release after receiving the subscription contract template push.

[0049] Figure 5 The following is a schematic diagram showing the data interaction of a contract signing according to an embodiment of the present application. Figure 5 As shown, the signing submodule is used to respond to the signing application and signing confirmation of the smart contract, and change the smart contract status based on the signing application and the signing confirmation; after the subscription contract is released, the home buyer can query the publicly released smart contract through the smart contract management of the digital RMB wallet, and select the contract corresponding to the subscription project of interest to sign. The home buyers and real estate development managers in the figure are preferably located at the G end. The B end executes the contract update after the signing application of the subscription contract, and locks the home buyer's funds after the signing confirmation.

[0050] Figure 6 The following is a schematic diagram showing the data interaction of contract performance according to the implementation mode of the present application. Figure 6 As shown, the performance submodule is used to respond to the performance application and performance confirmation of the smart contract, and change the smart contract status based on the performance application and performance confirmation; after the buyer signs the online contract, he can enter the digital RMB application and select the previous agreement to perform the contract. The B side executes the contract status change after the performance application of the subscription contract, and transfers the buyer's funds after the performance confirmation.

[0051] The software interface transmits the received data to the corresponding submodule. The above three submodules have a corresponding relationship with the aforementioned software interface. For example, the subscription contract template push interface transmits the received subscription contract template to the publishing submodule, and the subscription contract signing application interface transmits the signing application received from the housing management system to the signing submodule.

[0052] In some embodiments of the present application, the smart contract is further configured to perform the following steps based on the trigger instruction: if the trigger instruction of the smart contract is a revocation application, the smart contract changes its state to a state to be revoked and confirmed; and determines whether the current time is greater than the agreed termination time of the contract; if the current time is greater than the agreed termination time of the contract, and the trigger instruction is a revocation confirmation, and the revocation application and the revocation confirmation are from the same sender, the smart contract changes its state to a revoked state; if the current time is less than the agreed termination time of the contract, and the trigger instruction is a revocation confirmation from both parties to the contract, the smart contract changes its state to a revoked state; correspondingly, the housing management system and the financial system interact with the revocation application and revocation confirmation through the subscription contract revocation application interface and the subscription contract revocation confirmation interface. In some scenarios, the signed smart contract may need to be terminated. Based on the principle of fairness, before the agreed termination time of the contract, the termination of the contract requires confirmation from both parties; after the agreed termination time of the contract, the contract can be terminated unilaterally without confirmation from the other party. At the same time, corresponding software interfaces need to be designed, such as the subscription contract cancellation application interface, which is used to receive the subscription contract cancellation application, and the subscription contract cancellation confirmation interface, which is used to receive the subscription contract cancellation confirmation. This implementation method improves the system's processing mechanism for smart contracts.

[0053] Through the above implementation methods, relying on the smart contract of the digital RMB, the efficient and secure collection, management and allocation of the subscription funds are fully automated.

[0054] Based on the same inventive concept, this application also provides a real estate subscription fund supervision system based on digital currency. Figure 7 The structure diagram of the real estate subscription fund supervision system based on digital currency according to the implementation mode of this application is schematically shown. Figure 7 As shown, a real estate subscription fund supervision system based on digital currency includes: a housing management system for real estate subscription management and a financial system for managing subscription funds based on the real estate subscription; this solution mainly involves the housing management system on the G side and the financial system on the B side. The housing management system provides management of subscription contracts, and it interacts with the financial system (specifically the digital RMB back-end service) through a standard development interface to achieve the locking and unlocking of funds. The smart contract and wallet transaction settlement shown in the figure belong to the functions implemented by the system. In some cases, the functions are implemented through corresponding functional modules. In this embodiment, both smart contracts and wallet transaction settlements are described by smart contract modules and wallet transaction settlement modules.

[0055] Among them, the financial system includes two parts: a smart contract module and a wallet transaction settlement module. The smart contract module is configured to: extract the subscription contract elements from the received subscription contract template based on real estate subscription, generate and deploy the smart contract corresponding to the subscription contract elements; the smart contract performs the following steps based on the trigger instruction: if the trigger instruction of the smart contract is a signing confirmation and the smart contract is in a pending signing confirmation state, the smart contract changes its state to a signed state, and triggers a locking operation on the subscription funds in the financial system; if the trigger instruction of the smart contract is a performance confirmation and the smart contract is in a pending performance confirmation state, the smart contract changes its state to a performed state, and triggers a transfer operation of the subscription funds locked in the financial system; the wallet transaction settlement module is configured to: in response to the trigger after the signing confirmation, perform a locking operation on the subscription funds in the financial system, and in response to the trigger after the performance confirmation, perform a transfer operation on the subscription funds locked in the financial system.

[0056] Through the above system, relying on the smart contract of digital RMB, real estate companies issue smart contracts for subscription of pre-sale projects, and buyers can choose the smart contract for subscription to sign. After signing, the subscription funds are locked. When the real estate company signs a formal purchase contract with the buyer, the real estate company initiates the contract performance, and the locked subscription funds are transferred from the personal wallet to the real estate development company's electronic wallet. Under this scheme, the subscription funds are locked in the buyer's personal wallet before signing the purchase contract. For real estate companies, the customer source is locked, and sales plans can be better arranged.

[0057] In an optional implementation of the present application, the smart contract module extracts subscription contract elements from a received subscription contract template based on real estate subscription, generates and deploys a smart contract corresponding to the subscription contract elements, including: receiving a subscription contract template from a housing management system; the housing management system includes a subscription property management module and a subscription contract management module; the subscription property management module is used to maintain properties to be subscribed; the subscription contract management module is used to maintain subscription contracts for different properties; extracts subscription contract elements from the subscription contract template; the subscription contract elements include a smart contract name, project information and smart contract information; determines content parameters of the smart contract based on the subscription contract elements; and deploys the smart contract after determining the content parameters.

[0058] In an optional implementation of the present application, the smart contract also includes an initial state; after the smart contract with determined content parameters is deployed, the state of the smart contract is the initial state; if the triggering instruction of the smart contract is a signing application and the smart contract is in the initial state, the smart contract changes its state to the pending signing confirmation state; if the triggering instruction of the smart contract is a performance application and the smart contract is in the signed state, the smart contract changes its state to the pending performance confirmation state.

[0059] In an optional implementation of the present application, the subscription funds are digital RMB, and the financial system has an interface for intercommunication with the digital RMB.

[0060] In an optional implementation of the present application, the housing management system and the financial system exchange data through a preset software interface; the smart contract in the smart contract module includes the following sub-modules: a publishing sub-module, a signing sub-module, and a performance sub-module. The publishing sub-module includes the subscription contract template push interface, which is configured to: receive the subscription contract template from the housing management system, generate the corresponding smart contract and deploy it; the signing sub-module includes the subscription contract signing application interface and the subscription contract signing confirmation interface, which is configured to: when the triggering instructions are signing application and signing confirmation, execute corresponding operations; the performance sub-module includes the subscription contract performance application interface and the subscription contract performance confirmation interface, which is configured to execute corresponding operations when the triggering instructions are performance application and performance confirmation.

[0061] In an optional implementation of the present application, the smart contract module also includes a contract termination module, and the contract termination module is configured to perform the following steps based on the trigger instruction: if the trigger instruction of the smart contract is a revocation application, the smart contract changes its state to a state to be confirmed for revocation; and determines whether the current time is greater than the agreed termination time of the contract; if the current time is greater than the agreed termination time of the contract, and the trigger instruction is a revocation confirmation, and the revocation application and the revocation confirmation are sent by the same sender, the smart contract changes its state to a revoked state; if the current time is less than the agreed termination time of the contract, and the trigger instruction is a revocation confirmation from both parties to the contract, the smart contract changes its state to a revoked state; correspondingly, the housing management system and the financial system interact with each other through the subscription contract revocation application interface and the subscription contract revocation confirmation interface.

[0062] The specific definition of each functional module in the above-mentioned real estate subscription fund supervision system based on digital currency can be found in the above-mentioned definition of each step in the real estate subscription fund supervision method based on digital currency, which will not be repeated here. Each module in the aforementioned system can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory in the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules. This system acts on the supervision of real estate subscription funds, and also has the advantages of efficient and fast supervision of subscription funds.

[0063] An embodiment of the present application provides a storage medium on which a program is stored, and when the program is executed by a processor, the above-mentioned digital currency-based real estate subscription fund supervision method is implemented.

[0064] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 8 shown. Figure 8 The internal structure diagram of a computer device according to an embodiment of the present application is schematically shown. The computer device includes a processor A01, a network interface A02, a memory (not shown in the figure) and a database (not shown in the figure) connected via a system bus. Among them, the processor A01 of the computer device is used to provide computing and control capabilities. The memory of the computer device includes an internal memory A03 and a non-volatile storage medium A04. The non-volatile storage medium A04 stores an operating system B01, a computer program B02 and a database (not shown in the figure). The internal memory A03 provides an environment for the operation of the operating system B01 and the computer program B02 in the non-volatile storage medium A04. The network interface A02 of the computer device is used to communicate with an external terminal through a network connection. When the computer program B02 is executed by the processor A01, a real estate subscription fund supervision method based on digital currency is implemented.

[0065] Those skilled in the art will understand that Figure 8 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0066] In one embodiment, the real estate subscription fund supervision method based on digital currency provided in this application can be implemented in the form of a computer program, which can be used in Figure 8The computer device is run on the computer device shown. The memory of the computer device can store various program modules constituting the real estate subscription fund supervision method based on digital currency, and the computer program composed of various program modules enables the processor to execute the steps of the real estate subscription fund supervision method based on digital currency in various embodiments of the present application described in this specification.

[0067] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0068] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0069] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0070] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0071] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0072] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0073] Computer readable media include permanent and non-permanent, removable and non-removable media, and can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0074] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0075] The above is only the implementation mode of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A real estate subscription fund supervision method based on digital currency, characterized in that: include: Extracting subscription contract elements from the received subscription contract template based on real estate subscription, generating and deploying smart contracts corresponding to the subscription contract elements; The smart contract executes the following steps based on the trigger instruction: If the trigger instruction of the smart contract is signing confirmation and the smart contract is in the waiting signing confirmation state, the smart contract changes its state to the signed state and triggers the locking operation of the subscription funds in the financial system; If the trigger instruction of the smart contract is performance confirmation and the smart contract is in a state of pending performance confirmation, the smart contract changes its state to a fulfilled state and triggers the transfer operation of the subscription funds locked in the financial system.

2. The method according to claim 1, characterized in that Extracting subscription contract elements from the received subscription contract template based on real estate subscription, generating and deploying smart contracts corresponding to the subscription contract elements, including: Receiving a subscription contract template from a housing management system; the housing management system includes a subscription building management module and a subscription contract management module; Extracting subscription contract elements from the subscription contract template; the subscription contract elements include smart contract name, project information and smart contract information; Determine the content parameters of the smart contract based on the subscription contract elements; Deploy the smart contract after determining the content parameters.

3. The method according to claim 2, characterized in that The smart contract also includes an initial state; After the smart contract with determined content parameters is deployed, the state of the smart contract is the initial state; If the triggering instruction of the smart contract is a signing application and the smart contract is in the initial state, the smart contract changes its state to the pending signing confirmation state; If the triggering instruction of the smart contract is a performance application and the smart contract is in a signed state, the smart contract change status is a pending performance confirmation status.

4. The method according to claim 1, characterized in that: The subscription funds are in digital RMB, and the wallet transaction settlement module in the financial system has an interface for intercommunication with digital RMB.

5. The method according to claim 2, characterized in that: The smart contract is set in the financial system, and the financial system and the housing management system exchange data through a preset software interface; the smart contract includes a publishing submodule, a signing submodule and a performance submodule; The publishing submodule includes the subscription contract template push interface, which is configured to: receive the subscription contract template from the housing management system, generate a corresponding smart contract and deploy it; The signing submodule includes the subscription contract signing application interface and the subscription contract signing confirmation interface, and is configured to: when the triggering instructions are signing application and signing confirmation, perform corresponding operations; The performance submodule includes the subscription contract performance application interface and the subscription contract performance confirmation interface, and is configured to perform corresponding operations when the triggering instructions are performance application and performance confirmation.

6. The method according to claim 2, characterized in that The smart contract is also configured to perform the following steps based on the trigger instruction: If the triggering instruction of the smart contract is a cancellation application, the smart contract changes its status to a pending cancellation confirmation status; and determines whether the current time is greater than the agreed termination time of the contract; If the current time is greater than the agreed expiration time of the contract, and the trigger instruction is a cancellation confirmation, and the cancellation application and the cancellation confirmation are sent by the same sender, the smart contract changes its state to the cancelled state; If the current time is less than the agreed expiration time of the contract, and the triggering instruction is a cancellation confirmation from both parties of the contract, the smart contract changes its state to the cancelled state; Correspondingly, the housing management system and the financial system exchange the cancellation application and the cancellation confirmation via the subscription contract cancellation application interface and the subscription contract cancellation confirmation interface.

7. A real estate subscription fund supervision system based on digital currency, characterized in that: The system includes: A housing management system for real estate subscription management and a financial system for managing subscription funds based on the real estate subscription; The financial system includes: a smart contract module and a wallet transaction settlement module; The smart contract module is configured to: extract the subscription contract elements from the received subscription contract template based on real estate subscription, generate and deploy the smart contract corresponding to the subscription contract elements; the smart contract executes the following steps based on the trigger instruction: If the trigger instruction of the smart contract is a signing confirmation and the smart contract is in a pending signing confirmation state, the smart contract changes its state to a signed state, and triggers a locking operation of the subscription funds in the financial system; if the trigger instruction of the smart contract is a performance confirmation and the smart contract is in a pending performance confirmation state, the smart contract changes its state to a performed state, and triggers a transfer operation of the subscription funds locked in the financial system; The wallet transaction settlement module is configured to: in response to a trigger after signing confirmation, perform a locking operation on the subscription funds in the financial system, and in response to a trigger after performance confirmation, perform a transfer operation on the subscription funds locked in the financial system.

8. The system according to claim 7, characterized in that The smart contract module extracts subscription contract elements from the received subscription contract template based on real estate subscription, generates and deploys smart contracts corresponding to the subscription contract elements, including: Receiving a subscription contract template from a housing management system; the housing management system includes a subscription building management module and a subscription contract management module; the subscription building management module is used to maintain the buildings to be subscribed; the subscription contract management module is used to maintain subscription contracts for different buildings; Extracting subscription contract elements from the subscription contract template; the subscription contract elements include smart contract name, project information and smart contract information; Determine the content parameters of the smart contract based on the subscription contract elements; Deploy the smart contract after determining the content parameters.

9. The system according to claim 8, characterized in that The smart contract also includes an initial state; After the smart contract with determined content parameters is deployed, the state of the smart contract is the initial state; If the triggering instruction of the smart contract is a signing application and the smart contract is in the initial state, the smart contract changes its state to the pending signing confirmation state; If the triggering instruction of the smart contract is a performance application and the smart contract is in a signed state, the smart contract change status is a pending performance confirmation status.

10. The system according to claim 7, characterized in that The subscription funds are in digital RMB, and the financial system has an interface for intercommunication with digital RMB.

11. The system according to claim 8, characterized in that The housing management system and the financial system exchange data via a preset software interface; the smart contract in the smart contract module includes the following submodules: Release submodule, contract signing submodule, contract performance submodule, The publishing submodule includes the subscription contract template push interface, which is configured to: receive the subscription contract template from the housing management system, generate a corresponding smart contract and deploy it; The signing submodule includes the subscription contract signing application interface and the subscription contract signing confirmation interface, and is configured to: when the triggering instructions are signing application and signing confirmation, perform corresponding operations; The performance submodule includes the subscription contract performance application interface and the subscription contract performance confirmation interface, and is configured to perform corresponding operations when the triggering instructions are performance application and performance confirmation.

12. The system according to claim 8, characterized in that The smart contract module also includes a contract termination module, which is configured to perform the following steps based on the trigger instruction: If the trigger instruction of the smart contract is a cancellation application, the smart contract changes its state to a pending cancellation confirmation state; and determines whether the current time is greater than the agreed expiration time of the contract; if the current time is greater than the agreed expiration time of the contract, and the trigger instruction is a cancellation confirmation, and the cancellation application and the cancellation confirmation are sent by the same sender, the smart contract changes its state to a cancelled state; If the current time is less than the agreed expiration time of the contract, and the triggering instruction is a cancellation confirmation from both parties of the contract, the smart contract changes its state to the cancelled state; Correspondingly, the housing management system and the financial system exchange the cancellation application and the cancellation confirmation via the subscription contract cancellation application interface and the subscription contract cancellation confirmation interface.

13. A computer-readable storage medium, wherein instructions are stored in the storage medium, which, when executed on a computer, enables the computer to execute the steps of the digital currency-based real estate subscription fund supervision method as described in any one of claims 1 to 6.

14. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the steps of the digital currency-based real estate subscription fund supervision method described in any one of claims 1 to 6.

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