Real estate mortgage system

Abstract

The invention relates to a real estate mortgage system, and belongs to the technical field of information management. Through information interaction between the real estate server and the real estate bureau as well as the credit management system, contract information is obtained, a contract file is formed after the contract information is perfected and supplemented, the contract file is sent to the credit management system for seal use, and the real estate server downloads the seal-used contract file and sends the seal-used contract file to a user side light program; checking the contract file online through a user side light program and performing electronic signature; in addition, the real estate server calls a signature verification service to carry out digital signature, sends a contract file with a digital signature to a real estate bureau for auditing, and sends an electronic auditing certificate to the credit management system after the auditing is passed. Therefore, the whole mortgage process is carried on line, the operation process of a customer manager is simplified, the investment of resources such as manpower, financial resources and material resources is greatly reduced, and the working efficiency of the mortgage process is improved on the whole.

Description

Technical Field

[0001] The invention relates to a real estate mortgage system, belonging to the technical field of information management. Background Art

[0002] As a core business of the banking industry, real estate mortgage needs to use digital technology to achieve structural optimization and improve quality and efficiency through new thinking, new models and new platforms. Moving offline business online, proceduralizing business processes and making contracts to be signed paperless have become the core ideas of the real estate mortgage system. The current online real estate mortgage system only targets certain links and still requires offline assistance, and has not realized the onlineization of the entire mortgage process. Summary of the invention

[0003] The purpose of the present invention is to provide a real estate mortgage system to realize the onlineization of the entire real estate mortgage process.

[0004] In order to solve the above technical problems, the present invention provides a real estate mortgage system, including a user-side light program, a real estate management side and a real estate service side. The real estate service side is connected to the user side through an Internet forwarding server, and is used to communicate with the real estate bureau through an external server. The real estate service side obtains contract information through the credit management system guarantee information query interface and the real estate bureau pre-loan query interface, improves and supplements the contract information, generates a contract file according to a template file, and sends the generated contract file to the credit management system for stamping. After stamping, the real estate service side downloads the stamped file and sends it to the user-side light program; the user-side light program is used to receive and display the contract file sent by the real estate service side, and perform electronic signature after user verification. The real estate service side calls the signature verification service to perform digital signature, sends the contract file with the digital signature to the real estate bureau for review, and sends the electronic review certificate to the credit management system after the review is passed.

[0005] The real estate mortgage system of the present invention includes a user-side light program, a real estate management side and a real estate service side. Through the information interaction between the real estate service side and the real estate bureau and the credit management system, the contract information is obtained, and the contract information is improved and supplemented to form a contract document, which is sent to the credit management system for stamping. The real estate service side downloads the stamped contract document and sends it to the user-side light program; the contract document is viewed online and electronically signed through the user-side light program; in addition, the real estate service side calls the signature verification service for digital signature, sends the contract document with the digital signature to the real estate bureau for review, and sends the electronic review certificate to the credit management system after the review is passed. It can be seen that the present invention moves the entire mortgage process online, simplifies the operating procedures of the account manager, greatly reduces the investment in human, financial, material and other resources, and improves the efficiency of the mortgage process as a whole.

[0006] Furthermore, the real estate service end includes a file template module, a contract file module and a system file module. The file template module is used to manage the template file corresponding to the contract file. The template contains the style, format and attributes of the file. The contract file is generated according to the format and style of the template file; the contract file module is used to manage the real contract file of each user, including contract information, user information corresponding to the contract and account manager information; the system file module manages the actual storage path and file storage name of the contract file.

[0007] By designing the file template module, contract file module and system file module, the generation and management of contract documents can be realized, and the common configuration information can be placed in the public configuration to facilitate reuse in the same business scenarios.

[0008] Furthermore, the mortgage system also includes a database and NAS file storage, wherein the NAS file storage is used to store template files and contract files, and the database is a database of the system file module, which is used to record relevant information of template files and contract files.

[0009] Furthermore, the file path information and file names stored in the NAS file storage are stored in the system file table.

[0010] The present invention adopts NAS file storage to store template files and contract files, which facilitates the storage and management of template files.

[0011] Furthermore, the account manager logs into the real estate management terminal to review the digital signature of the contract document with the digital signature.

[0012] Furthermore, the real estate server and the user-side light program use a hybrid encryption method to exchange information, and the hybrid encryption uses symmetric encryption and asymmetric encryption algorithms.

[0013] A hybrid encryption method is used to encrypt information between the user-side lightweight program and the real estate server, which can improve encryption efficiency, improve overall security, and make encryption more flexible.

[0014] Furthermore, the process of hybrid encryption between the real estate server and the user-side lightweight program is as follows:

[0015] The user-side light program uses the RSA public key to encrypt the AES secret key KEY and offset IV, and sends the JSON message encrypted by the AES algorithm, the encrypted KEY and IV to the real estate server; the real estate server uses the RSA private key to decrypt the AES secret key KEY and offset IV, and then uses the decrypted AES secret key KEY and offset IV to decrypt the JSON message;

[0016] After the business processing is completed, the real estate server uses the RSA public key to encrypt the AES key KEY and offset IV, and sends the JSON message encrypted by the AES algorithm, the encrypted KEY and IV to the user-side light program. The user-side light program uses the RSA private key to decrypt the AES key KEY and offset IV, and then uses the decrypted AES key KEY and offset IV to decrypt the JSON message.

[0017] Furthermore, the user-side lightweight program uses crypto-js for AES encryption and decryption, and uses jsencrypt for RSA encryption and decryption; the real estate server uses the javax.crypto package for AES encryption and decryption, and uses the java.security package for RSA encryption and decryption; the node side uses crypto-js for AES encryption and decryption, and node-rsa for RSA encryption and decryption.

[0018] The present invention uses the RSA public key to encrypt the AES secret key KEY and the offset IV, and sends the encrypted JSON message, the encrypted KEY and the IV to the peer end. The present invention fully utilizes the advantages of AES's fast encryption speed and no limit on the message length, and the advantage of RSA's higher encryption security, which can not only improve the encryption efficiency, but also improve the overall security, making encryption more flexible. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 It is a structural diagram of the real estate mortgage system of the present invention;

[0020] Figure 2 It is a work flow chart of the real estate mortgage system of the present invention;

[0021] Figure 3 It is an ER diagram of the database in the real estate mortgage system of the present invention;

[0022] Figure 4 It is a diagram of the information interaction process between the user-side light program and the server-side in the real estate mortgage system of the present invention. DETAILED DESCRIPTION

[0023] The specific implementation of the present invention will be further described below in conjunction with the accompanying drawings.

[0024] The real estate mortgage system of the present invention is as follows Figure 1 As shown, it includes a user-side light program, a real estate management side and a real estate service side. The real estate service side is connected to the user-side light program through an Internet forwarding server, and is used to communicate with the real estate bureau through an external server. The contract information is obtained through the credit management system guarantee information query interface and the real estate bureau pre-loan query interface, the contract information is improved and supplemented, a contract file is generated according to the template file, and the generated contract file is sent to the credit management system for stamping. After the stamping is completed, the real estate service side downloads the stamped file and sends it to the user-side light program; the user-side light program is used to receive and display the contract file sent by the real estate service side, and electronically sign it after the user verification is completed. The real estate service side calls the signature verification service for digital signature, and sends the contract file with the digital signature to the real estate bureau for review, and sends the electronic review certificate to the credit management system after the review is passed.

[0025] The real estate management end is for account managers. Users provide a visual interface to account managers for them to handle business. The real estate management end calls the real estate service end interface to handle business. Account managers use the visual interface of the real estate management end to call the real estate service end.

[0026] The real estate service implements digital signature by calling the signature verification service. The parameters passed include: user signature image, user signature coordinates, user signature environment information, business information, device information, behavior information, etc. Various information of the user's signature is attached to the contract as evidence documents to ensure the authenticity, integrity and non-repudiation of electronic information.

[0027] like Figure 1As shown, the real estate service end includes a file template module, a contract file module, a system file module, a user management module, a contract information module and an external service module. The file template module is used to manage the template files corresponding to the contract files. The template contains the style, format and attributes of the file. The contract file is generated according to the format and style of the template file. Users can create new modules according to the contract type, create multiple template files under one template, and upload the template's real file and file attributes such as whether it is stamped or signed. The contract file module is used to manage each user's real contract file, including contract information, user information corresponding to the contract, and account manager information. Account managers can create new contracts, supplement contract information, manage contract status, modify contract information, etc. Customers can view their own contract file information on the user side. The system file module is used to manage the actual storage path of the contract file, the file storage name and other information.

[0028] The file management system is a separate cloud storage service. The real estate server requests the credit management system and signature verification system to upload the file to the file management system before interacting with the file. The file management system returns the file number, so that only the file number is passed in the interface transmission parameter, and the file content with large data volume is not passed.

[0029] In order to facilitate data management, the system is also equipped with a database and NAS file storage. The NAS file storage is used to store template files and contract files; the database is the database of the system file module, which is used to record the relevant information of template files and contract files. Figure 3As shown, one contract type contains multiple template files, a specific user's business contract corresponds to a unique contract type, a specific user's business contract contains multiple contract files, and each contract file has a corresponding template file. Both template files and contract files contain specific entity files and exist in NAS file storage. The file storage path information, file name, etc. are all saved in the system file table, which is convenient for users to use and search. The advantage of designing a template is that common configuration information, such as the number of signature pages of the file, the x-coordinate of the file signature, the y-coordinate of the file signature and other parameters, are placed in a public configuration to facilitate reuse in the same business scenarios. At the same time, considering that some files may differ from the template, the functions of adjusting the signature position and testing the signature are designed. The configuration information of the file can be modified before being pushed to the customer to prevent problems such as offset of the customer's signature. When the contract file is displayed in the user-side light program, the online request needs to take the contract file as a parameter, but the size of the contract file will seriously affect the interface response speed, so the file needs to be split. In this embodiment, 3 pages are split into a group, and only 3 pages of file data are requested each time online. When the user browses to the second page, a request will be initiated again to obtain 4-6 pages of file data, and so on. The paging query technology can improve system performance and user experience.

[0030] In order to ensure customer privacy and the security risks of information transmission, the present invention needs to encrypt the mortgage system information data transmission process. Common data encryption methods are divided into symmetric encryption and asymmetric encryption. Symmetric encryption, such as AES encryption, has the advantage of fast encryption speed and no limit on the length of the message, but its encryption and decryption keys are the same, and the security is low. Asymmetric encryption, such as RSA encryption, is divided into public key and private key, which is more secure, but its encryption speed is slow and there is a limit on the message length. Messages that are too long need to be encrypted in segments, which is inefficient. Combining the advantages of the two algorithms, the mortgage system of the present invention adopts a hybrid encryption method, that is, the combined use of symmetric encryption and asymmetric encryption. This encryption method is applied between the user-side lightweight program and the real estate service end of the mortgage system. The hybrid encryption method in this embodiment uses AES+RSA, such as Figure 4 As shown, the specific encryption and decryption process is as follows.

[0031] When the user-side light program sends a message to the real estate server, it first uses the AES key KEY to encrypt the JSON message to be sent, then uses the RSA public key to encrypt the AES key KEY and offset IV, and sends the encrypted JSON message, encrypted KEY and IV to the real estate server; after receiving the message encrypted by the user-side light program, the server first uses the RSA private key to decrypt the encrypted AES key KEY and offset IV, and then uses the decrypted AES key KEY and offset IV to decrypt the JSON message.

[0032] When the server sends a message to the client light program, it first uses the AES key KEY to encrypt the JSON message to be sent, then uses the RSA public key to encrypt the AES key KEY and offset IV, and sends the encrypted JSON message, encrypted KEY and IV to the client light program; after receiving the encrypted message from the server, the client light program first uses the RSA private key to decrypt the encrypted AES key KEY and offset IV, and then uses the decrypted AES key KEY and offset IV to decrypt the JSON message.

[0033] The user-side lightweight program uses crypto-js for AES encryption and decryption, and jsencypt for RSA encryption and decryption; the real estate server uses the javax.cypto package for AES encryption and decryption, and the java.security package for RSA decryption; the node side uses cypto-js for AES encryption and decryption, and node-ras for RSA encryption and decryption.

[0034] The workflow of the mortgage system is as follows Figure 2 As shown, the process is described in detail below.

[0035] First, the account manager selects the contract to be processed through the contract list on the real estate management side, and sends a request to the credit management system and the real estate bureau based on the selected contract, and obtains the contract information through the credit management system's guarantee information query interface and the real estate bureau's pre-loan query interface; then the account manager improves and supplements the contract information on the real estate management side, generates a contract file based on the template file, and sends the generated contract file to the credit management system for stamping; after the credit management system has finished stamping, the credit management system will transfer the stamped contract file to the file management system, waiting for the real estate server to download it.

[0036] When the account manager clicks on file update at the real estate management end, the credit management system gets the text number after stamping, and calls the file management system to download the file according to the text number. After the account manager has reviewed it, he clicks the push to customer button to send the downloaded file contract to the user-side light program in a hybrid encrypted manner. After the user-side light program performs the corresponding decryption, it displays the decrypted contract file on the user-side light program. After the customer confirms that it is correct, he must electronically sign the contract file; after the request reaches the real estate server, the real estate server calls the signature verification service for digital signature.

[0037] After the signature is completed, the account manager needs to verify the signature on the real estate management side to check whether the customer's signature is accurate and standardized. If the signature is not standardized, the customer can be asked to sign again. If it is standardized, the case file will be created in accordance with the requirements of the Real Estate Bureau, and the corresponding contract file will be added and pushed to the Real Estate Bureau; the real estate service side uses the schedule scheduler to request the real estate interface to query the approval information at a fixed time; after approval, the account manager downloads the electronic certificate, verifies the information and sends it to the credit management system to complete the entire mortgage process.

[0038] It can be seen that the mortgage system of the present invention simplifies the operating procedures of account managers, greatly reduces the investment in human, financial, material and other resources, and improves the efficiency of the mortgage process as a whole. In order to solve the problem of slow loading of large file preview, paging query technology is used to optimize performance; the system can simultaneously preview files while displaying data; the user-side light program customizes the page to which the return button returns by resetting the route jump, so that the user-side light program is more in line with business logic and improves user experience; the contract template module is designed to automatically synchronize template parameters, without adding signature position and page number issues, which greatly improves the user's operation perception.

[0039] The present invention realizes online query of real estate registration information, and electronic management of the entire process of online real estate mortgage registration application and cancellation. It allows enterprises and individuals to handle real estate mortgage registration business at the same time as applying for mortgage loans, and opens a "zero-running" service mode for mortgage registration, which means "only one trip to the bank, only one submission of materials, and full-process online approval". Account managers can view contract information and preview contract documents at the real estate management end. The contract template file module is designed, and when a new user contract file is created, the template information bound to the contract, such as signature position, number of signature pages, etc., can be automatically synchronized, without the need for users to manually set, thereby improving business processing efficiency.

Claims

1. A real estate mortgage system, characterized in that: It includes a user-side light program, a real estate management side and a real estate service side. The real estate service side is connected to the user-side light program through an Internet forwarding server, and is used to communicate with the real estate bureau through an external server. The real estate service side obtains contract information through the credit management system guarantee information query interface and the real estate bureau pre-loan query interface, improves and supplements the contract information, generates a contract file according to a template file, and sends the generated contract file to the credit management system for stamping. After stamping, the real estate service side downloads the stamped file and sends it to the user-side light program; the user-side light program is used to receive and display the contract file sent by the real estate service side, and electronically sign it after the user has verified it. The real estate service side calls the signature verification service to digitally sign it, and sends the contract file with the digital signature to the real estate bureau for review. After the review is passed, the electronic review certificate is sent to the credit management system.

2. The real estate mortgage system according to claim 1, characterized in that: The real estate service end includes a file template module, a contract file module and a system file module. The file template module is used to manage the template file corresponding to the contract file. The template includes the style, format and attributes of the file. The contract file is generated according to the format and style of the template file. The contract file module is used to manage the real contract file of each user, including contract information, user information corresponding to the contract and account manager information. The system file module manages the actual storage path and file storage name of the contract file.

3. The real estate mortgage system according to claim 2, characterized in that: The mortgage system also includes a database and NAS file storage, wherein the NAS file storage is used to store template files and contract files, and the database is a database of a system file module, which is used to record relevant information of template files and contract files.

4. The real estate mortgage system according to claim 3, characterized in that: The path information and file names of the files stored in the NAS file storage are saved in the system file table.

5. The real estate mortgage system according to claim 1, characterized in that: The account manager logs into the real estate management terminal to review the digital signature of the contract document with the digital signature.

6. The real estate mortgage system according to any one of claims 1 to 5, characterized in that: The real estate server and the user-side light program use a hybrid encryption method to exchange information, and the hybrid encryption uses symmetric encryption and asymmetric encryption algorithms.

7. The real estate mortgage system according to claim 6, characterized in that: The process of hybrid encryption between the real estate server and the user-side lightweight program is as follows: The user-side light program uses the RSA public key to encrypt the AES secret key KEY and offset IV, and sends the JSON message encrypted by the AES algorithm, the encrypted KEY and IV to the real estate server; the real estate server uses the RSA private key to decrypt the AES secret key KEY and offset IV, and then uses the decrypted AES secret key KEY and offset IV to decrypt the JSON message; After the business processing is completed, the real estate server uses the RSA public key to encrypt the AES key KEY and offset IV, and sends the JSON message encrypted by the AES algorithm, the encrypted KEY and IV to the user-side light program. The user-side light program uses the RSA private key to decrypt the AES key KEY and offset IV, and then uses the decrypted AES key KEY and offset IV to decrypt the JSON message.

8. The real estate mortgage system according to claim 7, characterized in that: The user-side lightweight program uses crypto-js for AES encryption and decryption, and uses jsencrypt for RSA encryption and decryption; the real estate server uses the javax.crypto package for AES encryption and decryption, and uses the java.security package for RSA encryption and decryption; the node side uses crypto-js for AES encryption and decryption, and node-rsa for RSA encryption and decryption.

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