House transaction method and device, computer equipment, readable storage medium and program product

Abstract

The invention relates to a house transaction method and device, computer equipment, a computer readable storage medium and a computer program product, and is applied to the technical field of big data, and the method comprises the steps: obtaining contract information corresponding to a preset house in response to a contract generation instruction of the preset house, and generating a smart contract according to the contract information, the smart contract is a house contract corresponding to the preset house; a delay time period corresponding to the smart contract is generated, and the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house; if a transaction withdrawing request for the preset house is received within the delay time period, deleting the smart contract; and if the transaction withdrawal request for the preset house is not received within the delay time period, storing the smart contract to the block chain, and completing the house transaction of the preset house. By adopting the method, the accuracy of the smart contract stored on the block chain can be ensured as much as possible, and the security and accuracy of house transaction are both considered.

Description

Technical Field

[0001] The present application relates to the field of big data technology, and in particular to a housing transaction method, apparatus, computer equipment, computer-readable storage medium, and computer program product. Background Art

[0002] With the development of science and technology, big data technology has become more and more mature, and people's demand for house transactions has also increased. When conducting house transactions, in order to ensure the legality of the house transaction, a way to complete the house transaction through a house contract is needed.

[0003] At present, when conducting a house transaction, the two parties usually draft a paper house contract that complies with laws and regulations. After the two parties sign the paper house contract, the house transaction is completed. When this method is adopted, if the transaction security is to be guaranteed, multiple supervisions are required as witnesses of the house transaction to ensure the authority and standardization of the house contract, thereby ensuring the security of the house transaction. In this way, the efficiency of the house transaction is low, and therefore, it is impossible to take into account both the security and efficiency of the house transaction. Summary of the invention

[0004] Based on this, it is necessary to provide a housing transaction method, device, computer equipment, computer-readable storage medium and computer program product that can take into account both the security and accuracy of housing transactions in order to address the above technical problems.

[0005] In a first aspect, the present application provides a housing transaction method, comprising:

[0006] In response to a contract generation instruction for a preset house, obtaining contract information corresponding to the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0007] Generate a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0008] If a transaction withdrawal request for the preset house is received within the delay period, deleting the smart contract;

[0009] If no transaction withdrawal request for the preset house is received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

[0010] In one of the embodiments, the method further includes: obtaining user information of the transaction user corresponding to the preset house; performing a transaction risk assessment on the transaction user based on the user information to obtain a first risk assessment result; and generating a delay time period corresponding to the smart contract based on the first risk assessment result.

[0011] In one of the embodiments, performing a transaction risk assessment on the transaction user based on the user information to obtain a first risk assessment result includes: obtaining the contract type of the smart contract; performing a transaction risk assessment on the transaction user based on the transaction risk indicator type corresponding to the contract type and the user information to obtain a first risk assessment result.

[0012] In one embodiment, generating a delay time period corresponding to the smart contract based on the first risk assessment result includes: obtaining house information of the preset house; performing a transaction risk assessment on the preset house based on the house information to obtain a second risk assessment result; generating a delay time period corresponding to the smart contract based on the first risk assessment result and the second risk assessment result.

[0013] In one embodiment, generating a delay time period corresponding to the smart contract based on the first risk assessment result and the second risk assessment result includes: obtaining a preset first weight and a preset second weight; weighting the first risk assessment result according to the preset first weight to obtain a first weighted assessment result, and weighting the second risk assessment result according to the preset second weight to obtain a second weighted assessment result; fusing the first weighted assessment result and the second weighted assessment result to obtain a fused weighted assessment result; generating a delay time period corresponding to the smart contract based on the fused weighted assessment result.

[0014] In one embodiment, obtaining the preset first weight and the preset second weight includes: obtaining the transaction type corresponding to the preset house; based on the transaction type, evaluating the impact of the transaction risk of the transaction user on the completion of the smart contract to obtain an impact evaluation result; based on the impact evaluation result, generating the preset first weight and the preset second weight.

[0015] In one of the embodiments, the house information includes house amount information, house developer information and house location information; the transaction risk assessment of the preset house is performed based on the house information to obtain a second risk assessment result, including: extracting house transaction characteristics from the house amount information, the house developer information and the house location information; based on the house transaction characteristics, the transaction risk assessment of the preset house is performed to obtain a second risk assessment result.

[0016] In a second aspect, the present application further provides a housing transaction device, comprising:

[0017] An acquisition module, configured to respond to a contract generation instruction of a preset house, acquire contract information corresponding to the preset house, and generate a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0018] A generation module, used to generate a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0019] A deletion module, configured to delete the smart contract if a transaction withdrawal request for the preset house is received within the delay period;

[0020] A storage module is used to store the smart contract in a blockchain and complete the house transaction of the preset house if no transaction withdrawal request for the preset house is received within the delay period.

[0021] In a third aspect, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0022] In response to a contract generation instruction for a preset house, obtaining contract information corresponding to the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0023] Generate a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0024] If a transaction withdrawal request for the preset house is received within the delay period, deleting the smart contract;

[0025] If no transaction withdrawal request for the preset house is received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

[0026] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the following steps are implemented:

[0027] In response to a contract generation instruction for a preset house, obtaining contract information corresponding to the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0028] Generate a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0029] If a transaction withdrawal request for the preset house is received within the delay period, deleting the smart contract;

[0030] If no transaction withdrawal request for the preset house is received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

[0031] In a fifth aspect, the present application further provides a computer program product, including a computer program, which implements the following steps when executed by a processor:

[0032] In response to a contract generation instruction for a preset house, obtaining contract information corresponding to the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0033] Generate a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0034] If a transaction withdrawal request for the preset house is received within the delay period, deleting the smart contract;

[0035] If no transaction withdrawal request for the preset house is received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

[0036] The above-mentioned house transaction method, device, computer equipment, computer-readable storage medium and computer program product obtain the contract information corresponding to the preset house by responding to the contract generation instruction of the preset house, and generate a smart contract according to the contract information, wherein the smart contract is the house contract corresponding to the preset house; generate a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house; if a transaction withdrawal request for the preset house is received within the delay time period, the smart contract is deleted; if no transaction withdrawal request for the preset house is received within the delay time period, the smart contract is deleted; if no transaction withdrawal request for the preset house is received within the delay time period, the smart contract is deleted. If the request is withdrawn, the smart contract will be stored in the blockchain, and the house transaction of the preset house will be completed. The smart contract is combined with the blockchain technology. On the one hand, the automatic generation of the house contract is realized, and the standardization of the house contract can be guaranteed in the form of a smart contract; on the other hand, due to the nature of blockchain technology and the smart contract itself, the smart contract stored on the blockchain will transparently disclose the code content, but for the content of the house contract in the smart contract, only the two parties to the transaction can obtain it through key decryption, therefore, the security of the house transaction is guaranteed. Therefore, the technical defect of requiring multiple parties to supervise and witness the house transaction is avoided, thereby taking into account both the security and efficiency of the house transaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0038] Figure 1 A diagram showing an application environment of a housing transaction method in an embodiment;

[0039] Figure 2 A schematic diagram of a flow chart of a housing transaction method in one embodiment;

[0040] Figure 3 A schematic diagram of a flow chart of steps for generating a delay time period corresponding to a smart contract in one embodiment;

[0041] Figure 4 A schematic diagram of a flow chart of a step of generating a delay time period corresponding to a smart contract according to a first risk assessment result in an embodiment;

[0042] Figure 5 is a structural block diagram of a housing transaction device in one embodiment;

[0043] Figure 6FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0044] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0045] It should be noted that the user information (including but not limited to contract information, user information, housing information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the acquisition, transmission, storage, use and processing of relevant data are in compliance with the relevant provisions of national laws and regulations. The content pushed to the user (for example, the first risk assessment results, the second risk assessment results, etc.) can be rejected by the user or can be easily rejected by the user. In the embodiments of the present application, some existing solutions in the industry such as certain software, components, models, etc. may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of the implementation of the technical solution of this application, but it does not mean that the applicant has or will necessarily use the solution.

[0046] In the field of housing transactions, when the smart contract with the content of the housing contract is combined with blockchain technology, once the smart contract is deployed on the blockchain, it can automatically execute the smart contract in response to the preset situation without human intervention, thereby greatly improving the efficiency of housing transactions and the efficiency of housing transaction contract execution. Smart contracts only disclose the content of computer codes on the blockchain, but the data content of the housing contract is encrypted. Therefore, only the transaction user corresponding to the housing contract or the transaction supervision user set on demand can decrypt the data content of the housing contract, so the security of housing transactions is guaranteed. Housing contracts are normative documents, and since smart contracts are based on computer codes, the ambiguity of language can be minimized. Therefore, the content of the housing contract is displayed in the form of smart contracts, which ensures that the content of the housing contract can be correctly executed and the accuracy of the execution of housing transactions is guaranteed.

[0047] At the same time, it is precisely because of the nature of the above-mentioned smart contracts and blockchain technology that after the smart contract is deployed on the blockchain, the content of the smart contract cannot be tampered with. In the process of house transactions, there may be errors in the house information, or some clauses of the smart contract may be wrong due to changes in house sales policies, the transaction user corresponding to the house transaction may regret temporarily, the house may go bankrupt, etc., and the transaction needs to be interrupted. In order to avoid the automatic execution of the wrong smart contract, before the smart contract is deployed on the blockchain, it is necessary to ensure that the smart contract is accurate as much as possible, so as to ensure the accuracy of the transaction content of the house transaction. Therefore, there is an urgent need for a method to improve the accuracy of smart contracts deployed on the blockchain.

[0048] The housing transaction method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. The server 104 responds to the contract generation instruction of the preset house, obtains the contract information corresponding to the preset house, and generates a smart contract according to the contract information, wherein the smart contract is the house contract corresponding to the preset house, and generates a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house; if the server 104 receives a transaction withdrawal request for the preset house within the delay time period, the smart contract is deleted; if the transaction withdrawal request for the preset house is not received within the delay time period, the smart contract is stored in the blockchain, and the house transaction of the preset house is completed. Among them, the terminal 102 can be, but is not limited to, various personal computers, laptops, smart phones, tablets, Internet of Things devices and portable wearable devices, and the Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, projection devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The head mounted device may be a virtual reality (VR) device, an augmented reality (AR) device, smart glasses, etc. The server 104 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud computing services.

[0049] In an exemplary embodiment, Figure 2 As shown, a housing transaction method is provided, which is applied to Figure 1 The server 104 in the example is used as an example to illustrate the method, which includes the following steps 202 to 206. Among them:

[0050] Step 202, in response to the contract generation instruction of the preset house, obtain the contract information corresponding to the preset house, and generate a smart contract according to the contract information, wherein the smart contract is the house contract corresponding to the preset house.

[0051] Among them, the preset house in step 202 is a house set on demand for house transactions. The contract generation instruction can be initiated by the user terminal of the transaction user corresponding to the preset house, or it can be generated to meet the preset conditions. The preset condition can be the detection of user information sent by the user terminal of the transaction user, that is, if the user information sent by the user terminal of the transaction user is detected, the contract generation instruction for the preset house is generated. The transaction users include the first user and the second user. The first user is the user who provides the house transaction service, and the second user is the user who consumes and enjoys the house transaction service. House transactions include but are not limited to house sale transactions, house rental transactions, house supervision transactions, etc., which are not limited here.

[0052] As one embodiment, obtaining contract information corresponding to a preset house includes: obtaining user information sent by a user terminal of a transaction user corresponding to the preset house, or pulling user information of the transaction user corresponding to the preset house from a data storage system; pulling house information corresponding to the preset house from the data storage system, and combining the user information and the house information into contract information.

[0053] It is understandable that there may be duplicate information, missing abnormal information, etc. in the contract information. If the contract information is directly used as the basis for generating a smart contract, the generated smart contract content may be inaccurate.

[0054] In order to overcome the above-mentioned technical defects of inaccurate content of the generated smart contract caused by repeated information, missing abnormal information, etc. in the contract information, as an embodiment, after obtaining the contract information corresponding to the preset house, it also includes: performing data cleaning processing on the contract information, wherein the data cleaning processing includes but is not limited to deduplication processing, missing value filling processing, abnormal value processing, etc.

[0055] In this way, it can be ensured that the contract information used to generate the smart contract does not contain duplicate information, missing information, and abnormal information, thereby ensuring the accuracy of the generated smart contract content.

[0056] Understandably, since contract information is not strictly regulated, there may be situations where the contract information is insufficient to generate a complete smart contract.

[0057] In order to overcome the above-mentioned technical defect that the contract information is insufficient to generate a complete smart contract due to the generated smart contract content, as an embodiment, after obtaining the contract information corresponding to the preset house, it also includes: obtaining historical house contract data, and extracting historical contract information used to generate historical house contracts from the historical house contract data; obtaining the data type difference between the historical contract information and the contract information, if the data type difference is greater than the preset difference threshold, then according to the data type difference, obtaining the contract information corresponding to the preset house, and returning to obtaining the data type difference between the historical contract information and the contract information until the data type difference is no greater than the preset difference threshold.

[0058] In this way, the difference between the data type of the contract information and the data type of the historical contract information extracted from the historical housing contract data is ensured to be small, and the data type of the contract information is standardized so that the contract information can generate a complete smart contract.

[0059] As one embodiment, generating a smart contract based on contract information includes: obtaining a house transaction type corresponding to a preset house, and determining a house contract template based on the house transaction type; generating a house contract corresponding to the preset house based on the contract information and the house contract template; and generating a smart contract based on the house contract corresponding to the preset house.

[0060] Optionally, the method also includes: responding to a contract editing instruction of a transaction user corresponding to a preset house for a house contract, modifying the house contract according to contract editing information corresponding to the contract editing instruction to obtain a modified contract; and generating a smart contract based on the modified contract.

[0061] In this way, the contract content of the smart contract can be edited by the user, realizing customized contract generation to meet various types of housing transaction needs.

[0062] Optionally, the method also includes: the house contract includes electronic signature information of the transaction user corresponding to the preset house.

[0063] In this way, the transaction users corresponding to the preset house can sign the contract online, avoiding the defects that may occur in the transmission and archiving of paper contracts, and improving the efficiency of signing house transaction contracts. Electronic signatures ensure authenticity, integrity and non-repudiation through multiple security means such as digital certificates and encryption technology. The use of electronic signatures in house transactions can avoid the risks of paper contracts being easily tampered with, lost or forged, and electronic signatures have the same legal effect as handwritten signatures, comply with relevant legal provisions, and can be submitted to the court as evidence, which improves the security of house transaction contracts. The use of electronic signatures in house transactions saves the costs of seals, paper, express delivery, archiving, etc., and can also save costs such as manpower and material resources, making the signing and execution of contracts more economical and efficient, reducing the transaction costs of house transactions, and on the other hand, avoiding environmental pollution and waste of resources, which is in line with modern environmental protection concepts.

[0064] Step 204, generating a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house.

[0065] The delay time period in step 204 is the time period for delaying the storage of the smart contract in the blockchain, and the delay time period is the time period between the time node of generating the smart contract and the time node of storing the smart contract in the blockchain. The delay time period may be composed of a first time period corresponding to the first user and a second time period corresponding to the second user. The length of the delay time period may be the sum of the lengths of the first time period and the second time period, or the average of the lengths of the first time period and the second time period, or the weighted length of the first time period and the second time period. The weighted length may be a weighted sum or a weighted product.

[0066] Exemplarily, step 206 includes: performing a transaction risk assessment on the transaction user corresponding to the preset house to obtain a first risk assessment result; and generating a delay time period corresponding to the smart contract based on the first risk assessment result.

[0067] As one embodiment, generating a delay time period corresponding to the smart contract according to the first risk assessment result includes: generating a first time period corresponding to the first user and a second time period corresponding to the second user according to the first risk assessment result.

[0068] Step 206: If a transaction withdrawal request for the preset house is received within the delay period, the smart contract is deleted.

[0069] As an embodiment, step 206 includes: if a transaction withdrawal request for a preset house is received within the delay time period, obtaining the request reason type of the transaction withdrawal request, the request reason type includes a contract error type or a transaction error type, and in the case where the request reason type includes the contract error type, modifying the smart contract to obtain the target smart contract, deleting the smart contract, and in the case where a transaction withdrawal request for the preset house is received within the delay time period corresponding to the target smart contract, returning to execute the step of obtaining the request reason type of the transaction withdrawal request and subsequent steps, and in the case where no transaction withdrawal request for the preset house is received within the delay time period corresponding to the target smart contract, storing the target smart contract in the blockchain; in the case where the request reason type includes the transaction error type, deleting the smart contract.

[0070] Among them, the delay time period corresponding to the target smart contract can be the same as the delay time period corresponding to the smart contract, or it can be different, and there is no limitation here.

[0071] Step 208: If no transaction withdrawal request for the preset house is received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

[0072] As an embodiment, storing the smart contract in the blockchain includes: calling a node in the blockchain, and storing the smart contract in the blockchain through the node in the blockchain.

[0073] In the above-mentioned house transaction method, by responding to the contract generation instruction of the preset house, the contract information corresponding to the preset house is obtained, and a smart contract is generated according to the contract information, wherein the smart contract is the house contract corresponding to the preset house; a delay time period corresponding to the smart contract is generated, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house; if a transaction withdrawal request for the preset house is received within the delay time period, the smart contract is deleted; if no transaction withdrawal request for the preset house is received within the delay time period, the smart contract is stored in the blockchain, and the house transaction of the preset house is completed. The smart contract is combined with the blockchain technology. On the one hand, the automatic generation of the house contract is realized, and the standardization of the house contract can be guaranteed in the form of a smart contract. Due to the nature of blockchain technology and smart contracts, smart contracts stored on the blockchain will transparently disclose the code content. However, only the two parties to the transaction can obtain the content of the house contract in the smart contract through key decryption. Therefore, the security of the house transaction is guaranteed. Therefore, the technical defect of requiring multiple parties to supervise and witness the house transaction is avoided, thereby taking into account the security and efficiency of the house transaction. On the other hand, a delay time period is set, and the delay time period corresponds to the smart contract and matches the smart contract. In this way, before the smart contract is stored in the blockchain, when a transaction withdrawal request is received, that is, when some terms of the smart contract are wrong, the smart contract can be deleted within the delay time period, and the smart contract can be corrected in time to ensure the accuracy of the house transaction.

[0074] It is understandable that the delay period is the period of time during which the smart contract is delayed from being stored in the blockchain. If the delay period is set too short, various house transaction errors and contract errors such as those mentioned above may occur after the smart contract is stored in the blockchain, resulting in low accuracy of the house transaction. If the delay period is set too long, the possibility of house transaction errors and contract errors is low, but the time to wait for the smart contract to be stored in the blockchain is too long, resulting in low transaction efficiency of the house transaction. Therefore, there is an urgent need for a method to accurately generate a delay period.

[0075] In an exemplary embodiment, Figure 3 As shown, generating a delay time period corresponding to a smart contract includes steps 302 to 306. Among them:

[0076] Step 302, obtaining user information of the transaction user corresponding to the preset house.

[0077] The user information in step 302 is used to characterize the transaction credit level of the transaction user corresponding to the preset house, and the user information includes at least one of user transaction information, user identity information and user asset information.

[0078] Exemplarily, step 302 includes: obtaining at least one of user transaction information, user identity information, and user asset information of a transaction user corresponding to the preset house.

[0079] Step 304: Perform transaction risk assessment on the transaction user based on the user information to obtain a first risk assessment result.

[0080] Among them, the first risk assessment result can be a risk assessment label or an assessed risk value. When the first risk assessment result is a risk assessment label, the first risk assessment result includes whether the transaction user has a risk label or whether the transaction user does not have a risk label; when the first risk assessment result is an assessed risk value, the first risk assessment result includes a risk value for the transaction user.

[0081] Exemplarily, step 304 includes: extracting user features from user information; and performing transaction risk assessment on the transaction user according to the user features to obtain a first risk assessment result.

[0082] Further, the first risk assessment result includes a first risk assessment sub-result and a second risk assessment sub-result, and the user information includes user information of the first user and user information of the second user; step 304 includes: extracting first user features from the user information of the first user, and extracting second user features from the user information of the second user; performing transaction risk assessment on the first user according to the first user features to obtain a first risk assessment sub-result, and performing transaction risk assessment on the second user according to the second user features to obtain a second risk assessment sub-result.

[0083] In this way, transaction risk assessments are conducted on both parties involved in the house transaction to obtain risk assessment results, so that the generated risk assessment results are more targeted.

[0084] As an embodiment, step 304 includes: obtaining the contract type of the smart contract; performing a transaction risk assessment on the transaction user according to the transaction risk indicator type and user information corresponding to the contract type, and obtaining a first risk assessment result.

[0085] Among them, the contract types include house purchase and sale transaction type, house rental transaction type or house supervision transaction type.

[0086] Furthermore, a transaction risk assessment is performed on the transaction user according to the transaction risk indicator type corresponding to the contract type and the user information to obtain a first risk assessment result, including: extracting user characteristics from the user information according to the transaction risk indicator type corresponding to the contract type; and performing a transaction risk assessment on the transaction user according to the user characteristics to obtain a first risk assessment result.

[0087] As an embodiment, a transaction risk assessment is performed on a transaction user according to user characteristics to obtain a first risk assessment result, including: obtaining a pre-trained user transaction risk assessment model, and mapping the user characteristics to the first risk assessment result through the user transaction risk assessment model.

[0088] Optionally, the user transaction risk assessment model is obtained by iterative training of multiple first training samples, and each first training sample consists of a user feature of a training user and a real transaction risk result corresponding to the training user.

[0089] Step 306: Generate a delay time period corresponding to the smart contract based on the first risk assessment result.

[0090] Exemplarily, step 306 includes: the higher the transaction risk value represented by the first risk assessment result, the longer the delay time of the delay time period corresponding to the smart contract.

[0091] In this way, the higher the transaction risk value represented by the first risk assessment result, that is, the higher the risk of transaction default or fraudulent transaction by the transaction user corresponding to the preset house, then the longer the delay time period corresponding to the smart contract is set, so as to avoid abnormal house transactions as much as possible.

[0092] As an embodiment, step 306 includes: the delay time period is composed of a first time period corresponding to the first user and a second time period corresponding to the second user, and the first risk assessment result includes a first risk assessment sub-result and a second risk assessment sub-result; the higher the transaction risk value represented by the first risk assessment sub-result, the longer the duration of the second time period is set, and the higher the transaction risk value represented by the second risk assessment sub-result, the longer the duration of the first time period is set.

[0093] In this way, the higher the transaction risk value represented by the first risk assessment sub-result, that is, the higher the risk of the first user committing a transaction default or a fraudulent transaction, then the longer the duration of the second time period is set, so that the second user can understand the transaction risk of the first user and avoid abnormal housing transactions as much as possible; the higher the transaction risk value represented by the second risk assessment sub-result, that is, the higher the risk of the second user committing a transaction default or a fraudulent transaction, then the longer the duration of the first time period is set, so that the first user can understand the transaction risk of the second user and avoid abnormal housing transactions as much as possible.

[0094] In this embodiment, the user information of the transaction user corresponding to the preset house is obtained; based on the user information, the transaction risk of the transaction user is assessed to obtain a first risk assessment result; based on the first risk assessment result, a delay time period corresponding to the smart contract is generated, and the first risk assessment result is used as the basis for generating the delay time period. Taking into account the impact of the performance risk of the transaction user corresponding to the preset house on the house transaction, the accuracy of the generated delay time period is improved to a certain extent.

[0095] It is understandable that when only the first risk assessment result is used as the basis for generating the delay time period corresponding to the smart contract, only the single factor of the performance risk of the transaction user corresponding to the preset house is taken into consideration for the house transaction. In addition to the impact of the performance risk of the transaction user, the preset house itself may also have risks such as bankruptcy, which will also affect the house transaction. If only the first risk assessment result is used as the basis for generating the delay time period corresponding to the smart contract, the generated delay time period may still be inaccurate. Therefore, a method of accurately generating a delay time period is still needed.

[0096] In an exemplary embodiment, Figure 4 As shown, according to the first risk assessment result, a delay time period corresponding to the smart contract is generated, including steps 402 to 406. Among them:

[0097] Step 402, obtaining the house information of the preset house.

[0098] Among them, the house information includes at least one of the house amount information, house developer information and house location information. The house amount information is used to represent the house value of the preset house, and the house developer information is used to represent the credit level of the house developer corresponding to the preset house.

[0099] Exemplarily, step 402 includes: obtaining at least one of house price information, house developer information, and house location information of a preset house.

[0100] Step 404: Perform transaction risk assessment on the preset house according to the house information to obtain a second risk assessment result.

[0101] Among them, the second risk assessment result in step 404 can be a risk assessment label or an assessment risk value. When the second risk assessment result is a risk assessment label, the second risk assessment result includes that there is a risk label for the preset house or that there is no risk label for the preset house; when the second risk assessment result is an assessment risk value, the second risk assessment result includes the risk value for the preset house.

[0102] Exemplarily, step 404 includes: extracting house features from the house information; and performing a transaction risk assessment on a preset house based on the house features to obtain a second risk assessment result.

[0103] As an embodiment, step 404 includes: the house information includes house amount information, house developer information and house location information; extracting house transaction characteristics from the house amount information, house developer information and house location information; and performing transaction risk assessment on a preset house based on the house transaction characteristics to obtain a second risk assessment result.

[0104] Furthermore, house transaction features are extracted from the house amount information, house developer information and house location information, including: extracting house amount features from the house amount information, extracting house developer features from the house developer information, and extracting house location features from the house location information; and splicing the house amount features, house developer features and house location features into house transaction features.

[0105] As an embodiment, a transaction risk assessment is performed on a preset house according to house transaction characteristics to obtain a second risk assessment result, including: obtaining a pre-trained house transaction risk assessment model, and mapping the house transaction characteristics into the second risk assessment result through the house transaction risk assessment model.

[0106] Optionally, the house transaction risk assessment model is obtained by iterative training of multiple second training samples, and each second training sample consists of house features of a training house and a real transaction risk result corresponding to the training house.

[0107] It can be understood that the higher the house value represented by the house amount information, the higher the probability that the user corresponding to the preset house will go back on the house transaction, that is, the higher the risk of problems in the house transaction; the lower the credit level of the house developer corresponding to the preset house represented by the house developer information, the higher the risk of the preset house going bankrupt, that is, the higher the risk of problems in the house transaction; when the house location represented by the house location information has other events that affect the house transaction, such as project reconstruction, the risk of the preset house going bankrupt is higher; therefore, the house amount information, house developer information and house location information are jointly used as the basis for determining the second risk assessment result. Taking into account the impact of the above situation on the house transaction, the second risk assessment result is one of the bases for generating the delay time period, thereby improving the accuracy of the generated delay time period.

[0108] Step 406: Generate a delay time period corresponding to the smart contract based on the first risk assessment result and the second risk assessment result.

[0109] As one embodiment, step 406 includes: obtaining a preset first weight and a preset second weight; weighting the first risk assessment result according to the preset first weight to obtain a first weighted assessment result, and weighting the second risk assessment result according to the preset second weight to obtain a second weighted assessment result; fusing the first weighted assessment result and the second weighted assessment result to obtain a fused weighted assessment result; and generating a delay time period corresponding to the smart contract according to the fused weighted assessment result.

[0110] The preset first weight and the preset second weight can be set by the user as needed or according to experience, which is not limited here. The weighted processing method can be weighted summation or weighted product, which is not limited here. The higher the transaction risk value represented by the fusion weighted evaluation result, the longer the length of the generated delay time period.

[0111] As an embodiment, obtaining a preset first weight and a preset second weight includes: obtaining a transaction type corresponding to a preset house; based on the transaction type, evaluating the impact of the transaction risk of the transaction user on the completion of the smart contract to obtain an impact evaluation result; based on the impact evaluation result, generating a preset first weight and a preset second weight.

[0112] Among them, transaction types include but are not limited to house purchase and sale transaction types, house rental transaction types, and house supervision transaction types.

[0113] It is understandable that, for preset houses whose corresponding transaction types are house purchase and sale transaction types and house supervision transaction types, the transaction amount involved is usually large. Therefore, whether the transaction users can perform the contract normally is a relatively important evaluation content for the execution process of the smart contract. For preset houses whose corresponding transaction types are house rental transaction types, the transaction amount involved is usually small. Therefore, whether the preset house will not have other risks is a relatively important evaluation content for the execution process of the smart contract. Therefore, the preset first weight and the preset second weight can be generated on demand according to the transaction type corresponding to the preset house.

[0114] Furthermore, according to the transaction type, the degree of influence of the transaction risk of the transaction user on the completion of the smart contract is evaluated to obtain an impact assessment result, including: if the transaction type is a house purchase and sale transaction type or a house supervision transaction type, the first assessment result is determined as the impact assessment result; if the transaction type is a house rental transaction type, the second assessment result is determined as the impact assessment result, wherein the degree of influence of the transaction risk of the transaction user on the completion of the smart contract represented by the first assessment result is higher than the degree of influence of the transaction risk of the transaction user on the completion of the smart contract represented by the second assessment result.

[0115] As one embodiment, a preset first weight and a preset second weight are generated according to the impact assessment result, including: the higher the degree of influence of the transaction risk of the transaction user represented by the impact assessment result on the completion of the smart contract, the greater the preset first weight; the greater the preset first weight, the smaller the preset second weight. Specifically, according to the impact assessment result, a preset first weight is generated, and according to the preset first weight, a preset second weight is generated. For example, if the generated preset first weight is a, then the preset second weight is 1-a.

[0116] In this way, it is ensured that when the preset house corresponding transaction type is the house purchase and sale transaction type and the house supervision transaction type, a larger preset first weight is set, so that the first risk assessment result provides a larger decision-making proportion for the generation of the delayed time period; it is ensured that when the preset house corresponding transaction type is the house rental transaction type, a smaller preset first weight is set, and the generated preset second weight is larger, so that the second risk assessment result provides a larger decision-making proportion for the generation of the delayed time period. In summary, the generation accuracy of the delayed time period is improved.

[0117] In this embodiment, the house information of the preset house is obtained; based on the house information, a transaction risk assessment is performed on the preset house to obtain a second risk assessment result; based on the first risk assessment result and the second risk assessment result, a delay time period corresponding to the smart contract is generated, and the first risk assessment result and the second risk assessment result are used together as the basis for generating the delay time period corresponding to the smart contract. Taking into account the transaction risk of the transaction user corresponding to the preset house and the impact of the transaction risk of the preset house on the house transaction, the accuracy of the generated delay time period is improved.

[0118] As a detailed embodiment, in response to a contract generation instruction for a preset house, contract information corresponding to the preset house is obtained, and a smart contract is generated based on the contract information, wherein the smart contract is a house contract corresponding to the preset house; a delay time period corresponding to the smart contract is generated, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house; if a transaction withdrawal request for the preset house is received within the delay time period, the smart contract is deleted; if no transaction withdrawal request for the preset house is received within the delay time period, the smart contract is stored in the blockchain, and the house transaction of the preset house is completed.

[0119] Further, user information of the transaction user corresponding to the preset house is obtained; the contract type of the smart contract is obtained; according to the transaction risk indicator type corresponding to the contract type and the user information, a transaction risk assessment is performed on the transaction user to obtain a first risk assessment result; the house information of the preset house is obtained; the house information includes house amount information, house developer information and house location information; house transaction characteristics are extracted from the house amount information, house developer information and house location information; according to the house transaction characteristics, a transaction risk assessment is performed on the preset house to obtain a second risk assessment result; the transaction type corresponding to the preset house is obtained; according to the transaction type, the impact of the transaction risk of the transaction user on the completion of the smart contract is evaluated to obtain an impact assessment result; according to the impact assessment result, a preset first weight and a preset second weight are generated; according to the preset first weight, the first risk assessment result is weighted to obtain a first weighted assessment result, and, according to the preset second weight, the second risk assessment result is weighted to obtain a second weighted assessment result; the first weighted assessment result and the second weighted assessment result are merged to obtain a merged weighted assessment result; according to the merged weighted assessment result, a delay time period corresponding to the smart contract is generated.

[0120] In this way, by responding to the contract generation instruction of the preset house, the contract information corresponding to the preset house is obtained, and a smart contract is generated according to the contract information, wherein the smart contract is the house contract corresponding to the preset house; a delay time period corresponding to the smart contract is generated, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house; if a transaction withdrawal request for the preset house is received within the delay time period, the smart contract is deleted; if no transaction withdrawal request for the preset house is received within the delay time period, the smart contract is stored in the blockchain, and the house transaction of the preset house is completed. The smart contract is combined with the blockchain technology. On the one hand, the automatic generation of the house contract is realized, and the standardization of the house contract can be guaranteed in the form of a smart contract. Due to the nature of blockchain technology and smart contracts, smart contracts stored on the blockchain will transparently disclose the code content, but only the two parties to the transaction can obtain the content of the house contract in the smart contract through key decryption, thus ensuring the security of the house transaction. Therefore, the technical defect of requiring multiple parties to supervise and witness the house transaction is avoided, thereby taking into account the security and efficiency of the house transaction. On the other hand, a delay time period is set, and the delay time period corresponds to the smart contract and matches the smart contract. In this way, before the smart contract is stored in the blockchain, when a transaction withdrawal request is received, that is, when some terms of the smart contract are wrong, the smart contract can be deleted within the delay time period and the smart contract can be corrected in time to ensure the accuracy of the house transaction.

[0121] Furthermore, the house information of the preset house is obtained; based on the house information, a transaction risk assessment is performed on the preset house to obtain a second risk assessment result; based on the first risk assessment result and the second risk assessment result, a delay time period corresponding to the smart contract is generated, and the first risk assessment result and the second risk assessment result are used together as a basis for generating the delay time period corresponding to the smart contract, taking into account the transaction risk of the transaction user corresponding to the preset house and the impact of the transaction risk of the preset house on the house transaction, thereby improving the accuracy of the generated delay time period.

[0122] It should be understood that, although the steps in the flowcharts involved in the above embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above embodiments may include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0123] Based on the same inventive concept, the embodiment of the present application also provides a house transaction device for implementing the house transaction method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more house transaction device embodiments provided below can refer to the limitations on the house transaction method above, and will not be repeated here.

[0124] In an exemplary embodiment, Figure 5 As shown, a housing transaction device 500 is provided, comprising: an acquisition module 502, a generation module 504, a deletion module 506 and a storage module 508, wherein:

[0125] An acquisition module 502, for acquiring contract information corresponding to the preset house in response to a contract generation instruction of the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0126] A generation module 504 generates a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0127] A deletion module 506, configured to delete the smart contract if a transaction withdrawal request for a preset house is received within the delay period;

[0128] The storage module 508 is used to store the smart contract in the blockchain and complete the house transaction of the preset house if no transaction withdrawal request for the preset house is received within the delay period.

[0129] In one of the embodiments, the generation module 504 is also used to obtain user information of the transaction user corresponding to the preset house; based on the user information, a transaction risk assessment is performed on the transaction user to obtain a first risk assessment result; based on the first risk assessment result, a delay time period corresponding to the smart contract is generated.

[0130] In one embodiment, the generation module 504 is also used to obtain the contract type of the smart contract; perform a transaction risk assessment on the transaction user according to the transaction risk indicator type and user information corresponding to the contract type, and obtain a first risk assessment result.

[0131] In one of the embodiments, the generation module 504 is also used to obtain the house information of the preset house; based on the house information, perform a transaction risk assessment on the preset house to obtain a second risk assessment result; based on the first risk assessment result and the second risk assessment result, generate a delay time period corresponding to the smart contract.

[0132] In one embodiment, the generation module 504 is also used to obtain a preset first weight and a preset second weight; weight the first risk assessment result according to the preset first weight to obtain a first weighted assessment result, and weight the second risk assessment result according to the preset second weight to obtain a second weighted assessment result; merge the first weighted assessment result and the second weighted assessment result to obtain a merged weighted assessment result; and generate a delay time period corresponding to the smart contract according to the merged weighted assessment result.

[0133] In one embodiment, the generation module 504 is also used to obtain the transaction type corresponding to the preset house; based on the transaction type, the impact of the transaction risk of the transaction user on the completion of the smart contract is evaluated to obtain an impact evaluation result; based on the impact evaluation result, a preset first weight and a preset second weight are generated.

[0134] In one of the embodiments, the house information includes house amount information, house developer information and house location information; the generation module 504 is also used to extract house transaction characteristics from the house amount information, house developer information and house location information; based on the house transaction characteristics, a transaction risk assessment is performed on the preset house to obtain a second risk assessment result.

[0135] Each module in the above-mentioned housing transaction device can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each module.

[0136] In an exemplary embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as shown in FIG. Figure 6 As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. The processor, the memory and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store object information and service information. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a housing transaction method is implemented.

[0137] Those skilled in the art will understand that Figure 6 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.

[0138] In an exemplary embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0139] In response to a contract generation instruction for a preset house, obtaining contract information corresponding to the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0140] Generate a delay time period corresponding to the smart contract, where the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0141] If a transaction withdrawal request for the preset house is received within the delay period, the smart contract is deleted;

[0142] If a transaction withdrawal request for the preset house is not received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

[0143] In one embodiment, when the processor executes the computer program, the following steps are also implemented: obtaining user information of the transaction user corresponding to the preset house; performing a transaction risk assessment on the transaction user based on the user information to obtain a first risk assessment result; and generating a delay time period corresponding to the smart contract based on the first risk assessment result.

[0144] In one embodiment, when the processor executes the computer program, it also implements the following steps: obtaining the contract type of the smart contract; performing a transaction risk assessment on the transaction user according to the transaction risk indicator type and user information corresponding to the contract type, and obtaining a first risk assessment result.

[0145] In one embodiment, when the processor executes the computer program, the following steps are also implemented: obtaining house information of a preset house; performing a transaction risk assessment on the preset house based on the house information to obtain a second risk assessment result; and generating a delay time period corresponding to the smart contract based on the first risk assessment result and the second risk assessment result.

[0146] In one embodiment, when the processor executes the computer program, it also implements the following steps: obtaining a preset first weight and a preset second weight; weighting the first risk assessment result according to the preset first weight to obtain a first weighted assessment result, and weighting the second risk assessment result according to the preset second weight to obtain a second weighted assessment result; fusing the first weighted assessment result and the second weighted assessment result to obtain a fused weighted assessment result; and generating a delay time period corresponding to the smart contract according to the fused weighted assessment result.

[0147] In one embodiment, when the processor executes the computer program, the following steps are also implemented: obtaining the transaction type corresponding to the preset house; based on the transaction type, evaluating the impact of the transaction risk of the transaction user on the completion of the smart contract to obtain an impact assessment result; based on the impact assessment result, generating a preset first weight and a preset second weight.

[0148] In one embodiment, when the processor executes the computer program, it also implements the following steps: extracting house transaction characteristics from house amount information, house developer information and house location information; based on the house transaction characteristics, performing transaction risk assessment on the preset house to obtain a second risk assessment result.

[0149] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0150] In response to a contract generation instruction for a preset house, obtaining contract information corresponding to the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0151] Generate a delay time period corresponding to the smart contract, where the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0152] If a transaction withdrawal request for the preset house is received within the delay period, the smart contract is deleted;

[0153] If a transaction withdrawal request for the preset house is not received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

[0154] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining user information of the transaction user corresponding to the preset house; performing a transaction risk assessment on the transaction user based on the user information to obtain a first risk assessment result; and generating a delay time period corresponding to the smart contract based on the first risk assessment result.

[0155] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining the contract type of the smart contract; performing a transaction risk assessment on the transaction user according to the transaction risk indicator type and user information corresponding to the contract type, and obtaining a first risk assessment result.

[0156] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining house information of a preset house; performing a transaction risk assessment on the preset house based on the house information to obtain a second risk assessment result; and generating a delay time period corresponding to the smart contract based on the first risk assessment result and the second risk assessment result.

[0157] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining a preset first weight and a preset second weight; weighting the first risk assessment result according to the preset first weight to obtain a first weighted assessment result, and weighting the second risk assessment result according to the preset second weight to obtain a second weighted assessment result; fusing the first weighted assessment result and the second weighted assessment result to obtain a fused weighted assessment result; and generating a delay time period corresponding to the smart contract according to the fused weighted assessment result.

[0158] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining the transaction type corresponding to the preset house; based on the transaction type, evaluating the impact of the transaction risk of the transaction user on the completion of the smart contract to obtain an impact assessment result; based on the impact assessment result, generating a preset first weight and a preset second weight.

[0159] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: extracting house transaction characteristics from house amount information, house developer information and house location information; performing transaction risk assessment on a preset house based on the house transaction characteristics to obtain a second risk assessment result.

[0160] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0161] In response to a contract generation instruction for a preset house, obtaining contract information corresponding to the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house;

[0162] Generate a delay time period corresponding to the smart contract, where the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house;

[0163] If a transaction withdrawal request for the preset house is received within the delay period, the smart contract is deleted;

[0164] If a transaction withdrawal request for the preset house is not received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

[0165] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining user information of the transaction user corresponding to the preset house; performing a transaction risk assessment on the transaction user based on the user information to obtain a first risk assessment result; and generating a delay time period corresponding to the smart contract based on the first risk assessment result.

[0166] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining the contract type of the smart contract; performing a transaction risk assessment on the transaction user according to the transaction risk indicator type and user information corresponding to the contract type, and obtaining a first risk assessment result.

[0167] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining house information of a preset house; performing a transaction risk assessment on the preset house based on the house information to obtain a second risk assessment result; and generating a delay time period corresponding to the smart contract based on the first risk assessment result and the second risk assessment result.

[0168] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining a preset first weight and a preset second weight; weighting the first risk assessment result according to the preset first weight to obtain a first weighted assessment result, and weighting the second risk assessment result according to the preset second weight to obtain a second weighted assessment result; fusing the first weighted assessment result and the second weighted assessment result to obtain a fused weighted assessment result; and generating a delay time period corresponding to the smart contract according to the fused weighted assessment result.

[0169] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining the transaction type corresponding to the preset house; based on the transaction type, evaluating the impact of the transaction risk of the transaction user on the completion of the smart contract to obtain an impact assessment result; based on the impact assessment result, generating a preset first weight and a preset second weight.

[0170] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: extracting house transaction characteristics from house amount information, house developer information and house location information; performing transaction risk assessment on a preset house based on the house transaction characteristics to obtain a second risk assessment result.

[0171] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0172] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0173] The above embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A housing transaction method, characterized in that: The method comprises: In response to a contract generation instruction for a preset house, obtaining contract information corresponding to the preset house, and generating a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house; Generate a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house; If a transaction withdrawal request for the preset house is received within the delay period, deleting the smart contract; If no transaction withdrawal request for the preset house is received within the delay period, the smart contract is stored in the blockchain and the house transaction of the preset house is completed.

2. The method according to claim 1, characterized in that The generating of the delay time period corresponding to the smart contract includes: Obtain user information of a transaction user corresponding to the preset house; Performing a transaction risk assessment on the transaction user according to the user information to obtain a first risk assessment result; According to the first risk assessment result, a delay time period corresponding to the smart contract is generated.

3. The method according to claim 2, characterized in that The step of performing a transaction risk assessment on the transaction user according to the user information to obtain a first risk assessment result includes: Obtain the contract type of the smart contract; A transaction risk assessment is performed on the transaction user according to the transaction risk indicator type corresponding to the contract type and the user information to obtain a first risk assessment result.

4. The method according to claim 2, characterized in that: Generating a delay time period corresponding to the smart contract according to the first risk assessment result includes: Obtaining the house information of the preset house; According to the house information, a transaction risk assessment is performed on the preset house to obtain a second risk assessment result; A delay time period corresponding to the smart contract is generated according to the first risk assessment result and the second risk assessment result.

5. The method according to claim 4, characterized in that Generating a delay time period corresponding to the smart contract according to the first risk assessment result and the second risk assessment result includes: Obtaining a preset first weight and a preset second weight; The first risk assessment result is weighted according to the preset first weight to obtain a first weighted assessment result, and the second risk assessment result is weighted according to the preset second weight to obtain a second weighted assessment result; Fusing the first weighted evaluation result and the second weighted evaluation result to obtain a fused weighted evaluation result; According to the fusion weighted evaluation result, a delay time period corresponding to the smart contract is generated.

6. The method according to claim 5, characterized in that The obtaining of the preset first weight and the preset second weight includes: Obtaining the transaction type corresponding to the preset house; According to the transaction type, assess the impact of the transaction risk of the transaction user on the completion of the smart contract to obtain an impact assessment result; According to the impact assessment result, a preset first weight and a preset second weight are generated.

7. The method according to claim 4, characterized in that The housing information includes housing price information, housing developer information and housing location information; The step of performing transaction risk assessment on the preset house according to the house information to obtain a second risk assessment result includes: Extracting house transaction features from the house amount information, the house developer information and the house location information; According to the house transaction characteristics, a transaction risk assessment is performed on the preset house to obtain a second risk assessment result.

8. A housing transaction device, characterized in that: The device comprises: An acquisition module, configured to respond to a contract generation instruction of a preset house, acquire contract information corresponding to the preset house, and generate a smart contract according to the contract information, wherein the smart contract is a house contract corresponding to the preset house; A generation module, used to generate a delay time period corresponding to the smart contract, wherein the delay time period is generated based on the transaction risk of the transaction user corresponding to the preset house; A deletion module, configured to delete the smart contract if a transaction withdrawal request for the preset house is received within the delay period; A storage module is used to store the smart contract in a blockchain and complete the house transaction of the preset house if no transaction withdrawal request for the preset house is received within the delay period.

9. The device according to claim 8, characterized in that The generation module is also used to obtain user information of the transaction user corresponding to the preset house; perform a transaction risk assessment on the transaction user based on the user information to obtain a first risk assessment result; and generate a delay time period corresponding to the smart contract based on the first risk assessment result.

10. The device according to claim 9, characterized in that The generation module is also used to obtain the contract type of the smart contract; perform a transaction risk assessment on the transaction user according to the transaction risk indicator type corresponding to the contract type and the user information to obtain a first risk assessment result.

11. The device according to claim 9, characterized in that The generation module is also used to obtain the house information of the preset house; perform a transaction risk assessment on the preset house according to the house information to obtain a second risk assessment result; and generate a delay time period corresponding to the smart contract according to the first risk assessment result and the second risk assessment result.

12. The device according to claim 11, characterized in that The generation module is further used to obtain a preset first weight and a preset second weight; weight the first risk assessment result according to the preset first weight to obtain a first weighted assessment result; and weight the second risk assessment result according to the preset second weight to obtain a second weighted assessment result; The first weighted evaluation result and the second weighted evaluation result are integrated to obtain a fused weighted evaluation result; and according to the fused weighted evaluation result, a delay time period corresponding to the smart contract is generated.

13. The device according to claim 12, characterized in that The generation module is also used to obtain the transaction type corresponding to the preset house; based on the transaction type, evaluate the impact of the transaction risk of the transaction user on the completion of the smart contract to obtain an impact assessment result; based on the impact assessment result, generate a preset first weight and a preset second weight.

14. The device according to claim 11, characterized in that The house information includes house amount information, house developer information and house location information; the generation module is also used to extract house transaction features from the house amount information, the house developer information and the house location information; based on the house transaction features, a transaction risk assessment is performed on the preset house to obtain a second risk assessment result.

15. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

16. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

17. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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