House purchase honesty fund allocation method

Abstract

The invention provides a house purchase honesty fund allocation method and system, and the method comprises the steps: inputting project related information through a bank system administrator, uploading related examination and approval materials, creating a project for an enterprise, and carrying out the real-time monitoring of enterprise data; a client selects a corresponding enterprise project and an obvious card of the client confirms a freezing amount and submits a freezing application, the background freezes the card of the client in real time and generates a freezing record, and when the client needs to perform unfreezing, an unfreezing application is submitted; a frozen list of a corresponding project is inquired through an enterprise user, a lottery result corresponding to a customer is input after the lottery work of the customer is completed, deduction or unfreezing of honesty fund is carried out according to the lottery result of the customer, and real-time transaction is automatically executed by a background after the unfreezing or deduction operation of the enterprise user is confirmed through an enterprise rechecker. According to the invention, the online real-time transaction of the enterprise terminal can be realized, and the problem of regret disputes between honesty fund is reduced.

Description

Technical Field

[0001] The present invention relates to the technical field of financial software systems, and in particular to a method for allocating earnest money for house purchase in a banking system. Background Art

[0002] The method of allocating earnest money for house purchase is an electronic fund management system, which is mainly used in real estate transactions to handle the payment and refund of earnest money (or deposit) of house purchasers. This system provides a safe and efficient electronic platform for house purchasers, real estate developers and financial institutions to manage the flow of funds in the house purchase process. In the existing method of allocating earnest money for house purchase, the house purchaser is allowed to deposit the earnest money into a protected account until the house purchaser confirms his intention to purchase the house. After the enterprise confirms the lottery result of the house purchaser, it goes to the bank counter to handle the deduction of the earnest money account and transfers it to the enterprise's account. If the house purchaser fails to purchase the house successfully, the system can also automatically unfreeze the earnest money and return it to the investor, thereby ensuring the safety of funds and preventing the earnest money from being directly delivered to the enterprise, which may lead to the risk of misappropriation or abuse. However, the operation on the enterprise side is slightly cumbersome. The enterprise needs to go to the counter to apply for the deduction after the lottery. This leads to the problem of customer regret and disputes between the company and the lottery result and the application for deduction (usually T+1). Summary of the invention

[0003] The technical problem to be solved by the present invention is to provide a method and system for allocating earnest money for house purchase, so as to realize real-time transactions on the enterprise side and reduce disputes caused by regret over earnest money.

[0004] In a first aspect, the present invention provides a method for allocating earnest money for house purchase, the method comprising: Step S1: The bank system administrator inputs project-related information, uploads relevant approval materials, creates a project for the enterprise, and monitors the enterprise data in real time; Step S2: The customer selects the corresponding enterprise project and confirms the frozen amount of his / her card and submits a freezing application. The backend freezes the customer's card in real time and generates a freezing record. When the customer needs to unfreeze the card, he / she submits an unfreezing application. Step S3: query the freeze list of the corresponding project through the enterprise user, and enter the lottery result corresponding to the customer after the customer's lottery work is completed. Deduct or unfreeze the earnest money according to the customer's lottery result, and automatically execute the real-time transaction in the background after the enterprise reviewer confirms the enterprise user's unfreezing or deduction operation.

[0005] Furthermore, the project creation in step S1 is specifically the creation of a lottery project.

[0006] Furthermore, if the customer does not meet the lottery conditions or temporarily does not want to participate in the lottery in step S2, the earnest money can be unfrozen by submitting an unfreezing application.

[0007] Furthermore, the step S2 "submitting a freezing application by selecting the corresponding enterprise project and confirming the frozen amount through the customer's own card" is specifically as follows: the customer selects the corresponding enterprise project and queries the card under his own name according to his own authentication information. After selecting, confirm the freezing of funds, submit the freezing, and after entering the correct card password, the background executes the real-time transaction operation.

[0008] Furthermore, the freezing list information in step S3 includes: project number, customer name, freezing amount and customer account number.

[0009] In a second aspect, the present invention provides a system for transferring earnest money for house purchase, including a bank terminal, a mobile terminal and an enterprise terminal; The bank end is used to input project-related information through the bank system administrator, create a project for the enterprise after uploading relevant approval materials, and monitor the enterprise data in real time; The mobile terminal is used to submit a freezing application by the customer selecting the corresponding enterprise project and confirming the frozen amount of his / her own card. The backend freezes the customer's card in real time and generates a freezing record. When the customer needs to unfreeze, he / she submits an unfreezing application; The enterprise end is used to query the freeze list of corresponding projects through enterprise users, and enter the lottery results corresponding to the customers after the customer lottery work is completed, deduct or unfreeze the earnest money according to the customer's lottery results, and automatically execute real-time transactions in the background after the enterprise reviewer confirms the unfreezing or deduction operation of the enterprise user.

[0010] Furthermore, the step of creating a project on the bank side is specifically to create a lottery project.

[0011] Furthermore, if the customer on the mobile terminal does not meet the lottery conditions or temporarily does not want to participate in the lottery, the earnest money can be unfrozen by submitting an unfreezing application.

[0012] Furthermore, in the mobile terminal, "the customer selects the corresponding enterprise project and confirms the frozen amount and submits the freezing application through his / her own card" is specifically as follows: the customer selects the corresponding enterprise project and queries the card under his / her name according to his / her authentication information. After selecting, the customer confirms the freezing of funds, submits the freezing, and enters the correct card password, and the background executes the real-time transaction operation.

[0013] Furthermore, the enterprise end includes an online banking end or a web page end.

[0014] One or more technical solutions provided by the present invention have at least the following technical effects or advantages: The method for transferring the earnest money for purchasing a house in the present invention can freeze the earnest money for purchasing a house after the buyer confirms his intention, and can directly deduct the earnest money from the buyer to the enterprise account through the system after the enterprise confirms his lottery, thus eliminating the problem of slow and inconvenient manual counter operation in the past, and also solving the problem of customers regretting on the middle day and causing disputes with the enterprise under the past T+1 mode. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] The present invention will be further described below in conjunction with embodiments with reference to the accompanying drawings.

[0016] Figure 1 This is a flowchart of an execution of a method in Embodiment 1 of the present invention; Figure 2 This is a schematic diagram of the structure of a system in Embodiment 2 of the present invention. DETAILED DESCRIPTION

[0017] The embodiment of the present application provides a method for transferring earnest money for house purchase in a banking system, thereby providing customers with a faster earnest money freezing and deduction service, and providing real-time deduction for enterprises, thus resolving the problem of customers regretting on the middle day and causing disputes with enterprises under the past T+1 model.

[0018] The technical solution in the embodiment of the present application has the following general idea: Based on the bank side, online banking side, web page side and mobile side, it provides customers with a faster earnest money freezing and deduction service. It provides real-time deduction for enterprises, which solves the problem that customers regret one day in the middle and cause disputes with enterprises under the past T+1 mode. At the same time, it also facilitates banks to win more corporate users and obtain low-interest deposits.

[0019] In order to better understand the above technical solution, the technical solution of the present invention will be described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0020] Embodiment 1 See also Figure 1 As shown, the present invention provides a method for allocating earnest money for house purchase, the method comprising: Step S1: The bank system administrator inputs project related information, uploads relevant approval materials, creates a project for the enterprise, and monitors the enterprise data in real time; the enterprise data to be monitored includes frozen tables, unfreeze application tables, operated tables to be combined, and final tables that have been operated and reviewed.

[0021] Step S2: The customer selects the corresponding enterprise project and confirms the frozen amount of his / her card and submits a freezing application. The backend freezes the customer's card in real time and generates a freezing record. When the customer needs to unfreeze the card, he / she submits an unfreezing application. Step S3, query the freeze list of the corresponding project through the enterprise user, the freeze list records the frozen customer number and project number, and draw lots according to the freeze list, and enter the lottery results corresponding to the customer after the customer lottery is completed. It is only necessary to record the customer number and the corresponding project number of the customer who successfully drew the lottery, and the enterprise operator enters them into the system. The system deducts or unfreezes the earnest money according to the customer's lottery result, marks the customers who successfully drew the lottery with a deduction mark, and the rest are unfrozen by default, and generates a table of operations to be combined. After the enterprise reviewer confirms the enterprise user's unfreeze or deduction operation, the background automatically executes real-time transactions to generate a final table of operations that have been reviewed.

[0022] Preferably, the project created in step S1 is specifically the creation of a lottery project, and the enterprise uploads the approval materials and the real estate lottery project to the bank, and the bank creates the specific project.

[0023] Preferably, if the customer does not meet the lottery conditions or temporarily does not want to participate in the lottery in step S2, the earnest money can be unfrozen by submitting an unfreezing application, and an unfreezing application form is generated for the customers whose deposit has been frozen and who have not applied for the unfreezing form to participate in the lottery operation.

[0024] Preferably, step S2 "submitting a freezing application by having the customer select the corresponding enterprise project and confirm the frozen amount through his / her own card" is specifically as follows: the customer selects the corresponding enterprise project and queries the card under his / her name according to his / her authentication information, confirms the freezing of funds after selection, submits the freezing, and enters the correct card password, and then the background executes the real-time transaction operation.

[0025] Preferably, the freezing list information in step S3 includes: project number, customer name, freezing amount and customer account number.

[0026] Embodiment 2 like Figure 2 As shown, the present invention provides a system for transferring earnest money for house purchase, including a bank end, a mobile end and an enterprise end; The bank end is used to input project-related information through the bank system administrator, create a project for the enterprise after uploading relevant approval materials, and monitor the enterprise data in real time; the enterprise data to be monitored includes frozen tables, unfreeze application tables, operated tables to be compounded, and final tables that have been operated and reviewed.

[0027] The mobile terminal is used to submit a freezing application by the customer selecting the corresponding enterprise project and confirming the frozen amount of his / her own card. The backend freezes the customer's card in real time and generates a freezing record. When the customer needs to unfreeze, he / she submits an unfreezing application; The enterprise end is used to query the freeze list of corresponding projects through enterprise users. The freeze list records the frozen customer number and project number. The lottery is conducted according to the freeze list, and the lottery result corresponding to the customer is entered after the customer lottery is completed. It is only necessary to record the customer number and the corresponding project number of the customer who successfully drew the lottery, and the enterprise operator enters them into the system. The system deducts or unfreezes the earnest money according to the customer's lottery result, marks the customers who successfully drew the lottery, and defaults to unfreeze for the rest. A table of operations to be combined is generated, and after the enterprise reviewer confirms the enterprise user's unfreeze or deduction operation, the background automatically executes real-time transactions to generate a final table of operations that have been reviewed and verified.

[0028] Preferably, the step of creating a project on the bank side specifically involves creating a lottery project, wherein the enterprise uploads approval materials and the real estate lottery project to the bank, and the bank side creates a specific project.

[0029] Preferably, if the customer on the mobile terminal does not meet the lottery conditions or temporarily does not want to participate in the lottery, the earnest money can be unfrozen by submitting an unfreezing application, and an unfreezing application form is generated for the customers whose deposit has been frozen and who have not applied for the unfreezing form to participate in the lottery operation.

[0030] Preferably, the mobile terminal "submits a freezing application by having the customer select the corresponding enterprise project and confirm the frozen amount through his / her own card" is specifically as follows: the customer selects the corresponding enterprise project and searches the card under his / her name according to his / her authentication information, confirms the freezing of funds after selection, submits the freezing, and enters the correct card password, and then the background executes the real-time transaction operation.

[0031] Preferably, the enterprise end includes an online banking end or a web page end.

[0032] One or more technical solutions provided by the present invention have at least the following technical effects or advantages: The housing purchase earnest money transfer method of the present invention can freeze the housing purchase earnest money after the homebuyer confirms his intention, and can directly deduct the homebuyer's earnest money from the enterprise account through the system after the enterprise confirms his lottery, thereby eliminating the problem of slow and inconvenient manual counter operation in the past, and also solving the problem of customers regretting and causing disputes with enterprises in the past T+1 mode. At the same time, it is also convenient for banks to win more corporate users and obtain low-interest deposits.

[0033] Although the specific implementation modes of the present invention are described above, those skilled in the art should understand that the specific implementation modes described are only illustrative and are not intended to limit the scope of the present invention. Equivalent modifications and changes made by those skilled in the art in accordance with the spirit of the present invention should be included in the scope of protection of the claims of the present invention.

Claims

1. A method for allocating earnest money for house purchase, characterized by: The method comprises: Step S1: The bank system administrator inputs project-related information, uploads relevant approval materials, creates a project for the enterprise, and monitors the enterprise data in real time; Step S2: The customer selects the corresponding enterprise project and confirms the frozen amount of his / her card and submits a freezing application. The backend freezes the customer's card in real time and generates a freezing record. When the customer needs to unfreeze the card, he / she submits an unfreezing application. Step S3: query the freeze list of the corresponding project through the enterprise user, and enter the lottery result corresponding to the customer after the customer's lottery work is completed. Deduct or unfreeze the earnest money according to the customer's lottery result, and automatically execute the real-time transaction in the background after the enterprise reviewer confirms the enterprise user's unfreezing or deduction operation.

2. A method for allocating earnest money for house purchase according to claim 1, characterized in that: The project creation in step S1 is specifically creating a lottery project.

3. A method for allocating earnest money for house purchase according to claim 1, characterized in that: In step S2, if the customer does not meet the lottery conditions or temporarily does not want to participate in the lottery, the earnest money can be unfrozen by submitting an unfreezing application.

4. A method for allocating earnest money for house purchase according to claim 1, characterized in that: The step S2 "submitting a freezing application by having the customer select the corresponding enterprise project and confirm the frozen amount through his / her own card" is specifically as follows: the customer selects the corresponding enterprise project and searches for the card under his / her name according to his / her own authentication information. After selecting, the customer confirms the freezing of funds and submits the freezing. After entering the correct card password, the background will execute the real-time transaction operation.

5. The method for allocating earnest money for house purchase according to claim 1, characterized in that: The freezing list information in step S3 includes: project number, customer name, freezing amount and customer account number.

6. A system for allocating earnest money for house purchase, characterized by: Including bank side, mobile side and enterprise side; The bank end is used to input project-related information through the bank system administrator, create a project for the enterprise after uploading relevant approval materials, and monitor the enterprise data in real time; The mobile terminal is used to submit a freezing application by the customer selecting the corresponding enterprise project and confirming the frozen amount of his / her own card. The backend freezes the customer's card in real time and generates a freezing record. When the customer needs to unfreeze, he / she submits an unfreezing application; The enterprise end is used to query the freeze list of corresponding projects through enterprise users, and enter the lottery results corresponding to the customers after the customer lottery work is completed, deduct or unfreeze the earnest money according to the customer's lottery results, and automatically execute real-time transactions in the background after the enterprise reviewer confirms the unfreezing or deduction operation of the enterprise user.

7. A system for transferring earnest money for house purchase according to claim 6, characterized in that: The step of creating a project on the bank side is specifically to create a lottery project.

8. A system for allocating earnest money for house purchase according to claim 6, characterized in that: If the customer on the mobile terminal does not meet the lottery conditions or temporarily does not want to participate in the lottery, the earnest money can be unfrozen by submitting an unfreezing application.

9. A system for allocating earnest money for house purchase according to claim 6, characterized in that: The "submitting a freezing application through the customer selecting the corresponding enterprise project and confirming the frozen amount through his / her own card" in the mobile terminal is specifically: the customer selects the corresponding enterprise project and searches the card under his / her name according to his / her authentication information. After selecting, confirm the freezing of funds, submit the freezing, and enter the correct card password, and the background will execute the real-time transaction operation.

10. A system for transferring earnest money for house purchase according to claim 6, characterized in that: The enterprise end includes an online banking end or a web page end.

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