Real estate online mortgage registration method and system based on ESB architecture

Abstract

The invention discloses a real estate online mortgage registration method and system based on an ESB architecture, and the method comprises the following steps: obtaining information needed by a real estate mortgage registration service, and carrying out the information preprocessing; generating a mortgage electronic file to be signed according to the preprocessed information and a preset contract template; signing the mortgage electronic file on line by adopting an electronic signature technology; obtaining a text attachment required by the real estate mortgage registration service, and performing picture taking and storage; integrating, compressing and storing the signed mortgage electronic file and the text attachment; encoding and encrypting the information, the signed mortgage electronic file and the text attachment; and synchronously transmitting an encryption operation result to a corresponding real estate registration center. According to the invention, on the basis of the ESB architecture, the real estate online mortgage registration is carried out through the electronic signature and the synchronous transmission technology, the situation that a bank terminal and a real estate registration center go back and forth for many times is avoided, and the real estate mortgage registration handling efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of financial business technology, and more particularly to an online real estate mortgage registration method and system based on an ESB architecture. Background Art

[0002] With the rapid development of Internet information technology, various businesses of financial institutions should be able to reduce costs and improve efficiency. At present, real estate registration business in most provinces across the country is semi-offline or even fully offline. That is, after corporate or individual customers handle real estate mortgage registration at a financial institution, the financial institution’s account manager needs to bring the customer and related paper materials to the local real estate registration agency counter for processing. The process is cumbersome and complicated, and the account manager and the customer need to go back and forth to the real estate registration center several times to complete the mortgage registration business.

[0003] Currently, there is no comprehensive and effective real estate registration platform or online registration method that integrates financial institutions, real estate registration centers, and fiscal payment systems. Clients cannot complete the entire real estate mortgage registration process at a single institution and must visit different institutions for registration and payment. Furthermore, when registering at a financial institution, clients must manually fill out all required registration information and sign paper copies of all contract agreements offline. After signing, they must bring the original and a copy to the local real estate center to complete the mortgage registration.

[0004] Therefore, the entire real estate mortgage registration process urgently needs to be fully online, electronic and automated. Summary of the Invention

[0005] In view of this, the present invention provides an online real estate mortgage registration method and system based on the ESB architecture, which performs online real estate mortgage registration based on the enterprise service bus architecture through electronic signature and synchronous transmission technology.

[0006] In order to achieve the above object, the present invention adopts the following technical solutions:

[0007] In a first aspect, the present invention provides an online real estate mortgage registration method based on an ESB architecture. The method connects a financial institution with a real estate registration center based on the ESB architecture and a gateway system. When a financial institution performs real estate mortgage registration, the method includes the following steps:

[0008] S1. Obtain the information required for real estate mortgage registration, and conduct information verification and pre-processing;

[0009] S2. Generate a mortgage electronic document to be signed based on the pre-processed information and the preset contract template;

[0010] S3. Sign the electronic mortgage document online using electronic signature technology;

[0011] S4. Obtain the text attachments required for real estate mortgage registration and save them in a photo;

[0012] S5. Integrate, compress, and save the signed electronic mortgage document and the text attachments;

[0013] S6. Encoding and encrypting the information, the signed electronic mortgage document, and the text attachment;

[0014] S7. Synchronously transmit the encryption operation results to the corresponding real estate registration center.

[0015] Furthermore, it also includes:

[0016] S8. Obtain the electronic certificate sent by the real estate registration center, and determine whether to grant the loan based on the electronic certificate.

[0017] Furthermore, step S1 specifically includes:

[0018] Obtaining information required for real estate registration business from financial institutions and real estate registration centers respectively; the information includes business primary key number, mortgage contract information, mortgaged property information, pledger information, pledgee information, and real estate registration application information;

[0019] Verify the information; if the information is untrue, the real estate mortgage registration cannot be carried out;

[0020] If the information is true, the information is pre-processed; the ETL extraction technology is used to extract the information into a unified XML format according to the preset extraction logic.

[0021] Furthermore, step S2 specifically includes:

[0022] Use Word document to PDF technology to convert pre-processed information and preset contract templates into character streams;

[0023] Using PDF parameter automatic filling technology, replacing parameters in the contract template character stream with actual business parameters; the actual business parameters are obtained based on the pre-processed information;

[0024] The replaced contract template character stream is converted into a PDF file to generate a mortgage electronic document to be signed; the mortgage electronic document includes a mortgage electronic contract and an application for electronic registration of real estate mortgage.

[0025] Furthermore, step S3 specifically includes:

[0026] The accepting financial institution signs the mortgage electronic document by calling the automated signing interface through an HTTP request;

[0027] The client uses online facial recognition technology to authenticate and sign the mortgage electronic document; the signing process uses the digital certificate private key issued by CFCA, and the signature algorithm uses the SM3 algorithm to jointly achieve online signing.

[0028] Furthermore, step S5 includes:

[0029] Integrate the signed electronic mortgage documents and the text attachments, compress them into blocks and number them;

[0030] Within the preset time, the compressed file will be temporarily stored in the cache database; if the preset time is exceeded, the compressed file will be saved in the hard disk.

[0031] Furthermore, step S5 further includes:

[0032] For the text attachments, a time-based hierarchical storage technology is used to migrate the corresponding text attachments to different storage tiers according to the creation time and the last access time of the text attachments;

[0033] The text attachments created within a preset time are stored on a high-speed storage medium, and the text attachments created after the preset time are stored on a low-speed storage medium.

[0034] Furthermore, step S7 specifically includes:

[0035] When performing synchronous transmission between financial institutions and real estate registration centers, the encryption operation results are transmitted from the gatekeeper control side to the gatekeeper information side using gatekeeper synchronization technology;

[0036] The gateway information side is connected to the database of the corresponding real estate registration center as the destination library, decrypts the encryption operation result, converts it into a script file and obtains the corresponding data, which is inserted into the destination library.

[0037] In a second aspect, the present invention provides an online real estate mortgage registration system based on an ESB architecture, applying the online real estate mortgage registration method based on an ESB architecture as described in any one of the first aspects, and implementing a connection between a financial institution and a real estate registration center based on the ESB architecture and a gateway system. The mortgage registration system includes the following modules:

[0038] Data acquisition module: used to obtain the information required for real estate mortgage registration business and perform information pre-processing;

[0039] Electronic document generation module: used to generate electronic mortgage documents to be signed based on pre-processed information and preset contract templates;

[0040] Electronic document signing module: used to sign the mortgage electronic document online using electronic signature technology;

[0041] Large file processing module: used to obtain text attachments required for real estate mortgage registration business and save them as images;

[0042] File compression module: used to integrate, compress and save the signed mortgage electronic document and the text attachments;

[0043] Conversion and encryption module: used for encoding and encrypting the information, the signed mortgage electronic document and the text attachment;

[0044] Data synchronization module; used to synchronously transmit the encryption operation results to the corresponding real estate registration center.

[0045] As can be seen from the above technical solution, compared with the prior art, the present invention provides an online real estate mortgage registration method and system based on the ESB architecture, which has the following beneficial effects:

[0046] The present invention first saves the real estate registration business information in a structured manner according to business rules to the credit information system, and realizes the online signing and preservation of electronic contract text agreements related to real estate registration business through electronic signature technology, laying a solid foundation for the online transmission and interaction of real estate registration business structured information and text attachments.

[0047] Secondly, through file compression technology, encryption technology, and webservice transmission technology, the timeliness, security, and efficiency of information transmission between financial institutions and real estate registration centers are guaranteed.

[0048] The present invention shortens the time it takes for customers to handle the entire process of real estate mortgage registration at a financial institution, avoids the cumbersome process of multiple trips to the financial institution and the real estate registration center, and only requires one visit to the financial institution to complete the entire business process. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are merely embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying any creative work.

[0050] Figure 1 A schematic diagram of an online real estate mortgage registration method based on an ESB architecture provided in an embodiment of the present invention.

[0051] Figure 2 A structural diagram of an online real estate mortgage registration system based on the ESB architecture provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0052] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of the present invention.

[0053] The glossary of the present invention is explained as follows:

[0054] ESB, short for Enterprise Service Bus, is an architectural pattern that uses centralized software components to integrate applications. It's a crucial technical framework for achieving inter-system integration and connectivity, and can be thought of as a middleware platform for message and service integration.

[0055] A network gate, also known as a network isolation gate, is a security device used to establish isolation between two networks to prevent information leakage and network attacks.

[0056] Example 1

[0057] The embodiment of the present invention discloses a real estate online mortgage registration method based on ESB architecture, referring to Figure 1 As shown in the figure, the connection between financial institutions and real estate registration centers is realized based on the ESB architecture and the gateway system. When a financial institution registers real estate mortgages, the following steps are included:

[0058] S1. Obtain the information required for real estate mortgage registration, and conduct information verification and pre-processing;

[0059] S2. Generate a mortgage electronic document to be signed based on the pre-processed information and the preset contract template;

[0060] S3. Sign the electronic mortgage document online using electronic signature technology;

[0061] S4. Obtain the text attachments required for real estate mortgage registration and save them in a photo;

[0062] S5. Integrate, compress, and save the signed electronic mortgage document and the text attachments;

[0063] S6. Encoding and encrypting the information, the signed electronic mortgage document, and the text attachment;

[0064] S7. Synchronously transmit the encryption operation results to the corresponding real estate registration center.

[0065] S8. Obtain the electronic certificate sent by the real estate registration center, and determine whether to grant the loan based on the electronic certificate.

[0066] This embodiment first needs to solve the electronic signing of various contract text agreements between customers and financial institutions, which serves as the basic condition for the subsequent online transmission of valid electronic contract texts between financial institutions and real estate registration centers and financial payment systems; secondly, it needs to solve the structuring and electronicization of financial institutions' real estate registration business information to facilitate subsequent online transmission and interaction; finally, it needs to solve the network transmission channel between financial institutions and local real estate registration centers and financial payment systems, and ensure the security, reliability and stability of transmission.

[0067] In this embodiment of the present invention, a personal property mortgage loan is obtained from a bank. The steps described above first obtain real estate rights information, such as the property's location and size. Then, a signed electronic contract containing all necessary terms and conditions is automatically generated as needed. The contract is then signed online and archived. All information is then encrypted and synchronously transmitted to the real estate registration center. Finally, the loan is disbursed based on the registration center's feedback.

[0068] The following describes the method steps of this embodiment in detail;

[0069] First, based on the ESB architecture, a gateway connects the financial institution, the real estate registration center, and the fiscal payment system. Within the financial institution's internal network, the ESB service bus connects various services, such as data extraction, contract template generation, and electronic contract signing. The gateway connects the financial institution's internal network with the real estate registration center's internal network, enabling one-way data transmission and preventing external attacks on the internal network.

[0070] This embodiment is implemented by following the steps below when registering real estate mortgage at a bank:

[0071] Step S1 extracts various structured information required for real estate registration business from the bank credit system. This information mainly includes business primary key number, mortgage contract information, mortgage property information, pledger information, pledgee information, real estate registration application information, etc. This embodiment mainly adopts ETL extraction technology, formulates extraction logic according to the real estate registration application business information rules, and extracts data from the credit system data into a unified XML format according to the rules.

[0072] In step S2, based on the extracted business information and contract template, an online mortgage loan electronic contract and an online real estate mortgage electronic registration application are generated and provided to the loan customer and the branch accepting the application for online signature. This process primarily utilizes Word document-to-PDF conversion technology and PDF parameter auto-fill technology. These technologies convert the Word file into a character stream, replace the parameters in the character stream with the actual business parameters, and then convert the character stream into a PDF file.

[0073] In step S3, the corporate customer and the accepting branch sign the electronic contract online based on the electronic contract generation 2, and use electronic signature technology to complete the online signing of the contract agreement template. The client uses online facial recognition technology to authenticate and sign the contract. The accepting branch calls the automated signing interface through an http request to sign the contract, and uses the digital certificate private key issued by the China Financial Certification Center (CFCA) to complete the electronic contract signing and signature. The signature algorithm uses the SM3 algorithm.

[0074] CFCA is China's leading electronic certification service provider, responsible for issuing and managing digital certificates. A digital certificate is an electronic document used to verify identity in a network environment. It contains the certificate holder's public key and identity information and is signed by the CA to ensure its authenticity. Using the private key of a CFCA-issued digital certificate to sign an electronic contract ensures the legal validity and security of the contract.

[0075] Step S4: extract the text attachments related to the real estate registration business in a unified manner and save them to the image system for easy retrieval and sending to the real estate registration center.

[0076] Step S5: To improve the efficiency of file storage and transmission, the module adopts hierarchical storage technology. First, a block compression algorithm is performed on all files involved in the current business, the compressed file size is calculated, and the files are split and numbered incrementally according to 50M. Secondly, the compressed files are temporarily stored in the cache database as hot data for 5 days, which is convenient for retrieval at any time during the current business. After 5 days, they are converted into persistent data and saved on the hard disk.

[0077] This embodiment uses OBS object storage technology and, for text attachments in addition to structured business information, employs time-based tiered storage. Data is migrated to different storage tiers based on its creation time and last access time. Data created within five days of the current registration is stored on high-speed storage media, while data created after five days is moved to lower-speed storage media. This tiered data storage reduces storage costs while ensuring data access performance.

[0078] OBS object storage technology is an object-based massive storage service that provides massive, secure, highly reliable, and low-cost data storage capabilities.

[0079] The OBS object storage service offers numerous advantages, including high reliability through its multi-copy mechanism, which redundantly stores data in different physical locations. It also boasts high scalability, easily accommodating growing data volumes. Furthermore, it offers cost-effectiveness, with a pay-as-you-go model that reduces storage costs. The OBS object storage service divides data into fixed-size objects and stores and manages these objects through a distributed system. Objects contain both metadata and actual data, and users access objects using unique identifiers. OBS utilizes a distributed architecture across multiple data centers, enabling redundant data backup and fast access, providing users with an efficient, stable, and secure data storage solution.

[0080] Step S6: convert the structured data required for the real estate registration business and the contract text agreement attachments into binary data, then convert them into base64 code, and finally encrypt the base64 code using the national encryption algorithm SM3.

[0081] Step S7 uses gatekeeper data synchronization technology, OBS object storage technology, and scheduled job scheduling technology to complete real-time and periodic data transmission between the bank and the Real Estate Registration Center. For gatekeeper data synchronization technology, the bank and the Real Estate Registration Center establish databases and use hardware equipment for one-way secure data transmission. Synchronous channels are established from the bank to the Real Estate Registration Center and from the Real Estate Registration Center to the bank, respectively. Data compression is performed using the LZ78 lossless data compression algorithm, and a block-based transmission algorithm is used.

[0082] This embodiment uses a gateway synchronization technology, or database synchronization technology, when performing synchronous transmission between the bank and the real estate registration center. This technology maps the database service to one end of the gateway through a database application proxy, enabling the synchronous replication of database content on one end of the network to the database on the other end of the gateway. First, the control side acts as the client side of the database, acquiring data from the source database (server side) using standard SQL statements. After acquisition, a database script file is generated on the gateway control side. Secondly, the generated script file is converted into base64 code and encrypted using a national secret algorithm. The file is then transferred from the gateway control side to the information side using the file transfer tool within the gateway. Finally, the gateway information side acts as a client, connecting to the destination database. The base64 code is first decrypted, then converted into a script file. The data is parsed from the file, data type conversion is performed, and the data is then inserted into the destination database using the corresponding INSERT statement.

[0083] This embodiment also involves a timed job scheduling technology, which mainly implements the timed synchronization task of step S7 and the timed file hierarchical storage logic of step S5.

[0084] Taking the scheduled synchronization task as an example, this embodiment is mainly composed of a scheduler, a trigger, a listener, and a job component. First, the task information to be executed by the scheduling task is set through the job component. For example, to execute the synchronization task, the data is synchronized from the bank to the real estate center, and the scheduling task information is saved to the database using JDBC persistence technology. Persistence can ensure that the task is not lost after the application is restarted, and supports task scheduling in a distributed environment. Secondly, the frequency or execution time of the scheduling task is set through the trigger. Based on the Linux server Cron expression, it supports complex scheduling requirements. The Cron expression consists of 6 or 7 fields, which represent seconds, minutes, hours, days, months, weeks, and years (optional). Again, the scheduler uses a thread pool to manage the concurrent execution of tasks. By configuring the thread pool size, the number of tasks executed at the same time can be controlled. Finally, the life cycle events of tasks and triggers are monitored by the listener, and a system message notification or SMS message notification is sent after each link fails or is completed.

[0085] Example 2

[0086] The embodiment of the present invention discloses an online mortgage registration system for real estate based on ESB architecture, an online mortgage registration method for real estate based on ESB architecture is applied in Example 1, and a connection between a financial institution and a real estate registration center is realized based on ESB architecture and a network gateway system. Figure 2 As shown, the mortgage registration system includes the following modules:

[0087] Data acquisition module: used to obtain the information required for real estate mortgage registration business and perform information pre-processing;

[0088] Electronic document generation module: used to generate electronic mortgage documents to be signed based on pre-processed information and preset contract templates;

[0089] Electronic document signing module: used to sign the mortgage electronic document online using electronic signature technology;

[0090] Large file processing module: used to obtain text attachments required for real estate mortgage registration business and save them as images;

[0091] File compression module: used to integrate, compress and save the signed mortgage electronic document and the text attachments;

[0092] Conversion and encryption module: used for encoding and encrypting the information, the signed mortgage electronic document and the text attachment;

[0093] Data synchronization module; used to synchronously transmit the encryption operation results to the corresponding real estate registration center.

[0094] This embodiment uses the online real estate mortgage registration system of the present invention to mortgage a personal property in Guiyang with a Guiyang Bank.

[0095] In this embodiment, when registering real estate mortgage at Guiyang Bank, the system of the present invention is adopted and implemented through the above modules. The implementation process is as follows:

[0096] 1. In the data acquisition module, the bank uses the ESB architecture and network gateway system to query the data information of the real estate registration center using webservice technology, and performs logical processing on the information returned by the real estate registration center to determine whether the real estate information is eligible for mortgage registration.

[0097] 2. In the electronic document generation module, the various contract agreement templates required for real estate registration business are online and electronic in the bank's credit system, and the corresponding fields can be extracted from the actual business information and filled into the template to generate the actual electronic contract to be signed. This process mainly uses Word document conversion PDF technology and PDF parameter automatic filling technology; the specific implementation process of the above technology is: convert the Word file into a character stream, use the actual business parameters to replace the parameters in the character stream, and then convert the character stream into a PDF file after the replacement is completed.

[0098] 3. In the electronic document signing module, electronic signature technology is used to complete the online signing of the contract agreement template. The client uses online facial recognition technology to authenticate and sign the contract, and the bank uses an automated interface to sign the contract. The digital certificate issued by CFCA is used to sign the contract text with the certificate private key at the time of signing, and the signature algorithm uses the SM3 algorithm.

[0099] 4. In the large file processing module, the mortgage registration information handled by the customer in the bank's credit system is extracted into structured data according to the real estate registration business rules. This method mainly uses Java technology to implement ETL data extraction technology, with the contract registration serial number as the primary key. The extracted data is cleaned, filtered, and aggregated using a distributed computing framework to obtain accurate registration business data and transmit it to the real estate registration center.

[0100] Fifth, within the file compression, encryption, and data synchronization modules, after extracting and assembling structured real estate registration information and creating electronic contract texts, network gatekeeper data synchronization, OBS object storage, and scheduled job scheduling technologies are used to facilitate real-time and periodic data transmission between the bank and the Real Estate Registration Center. For network gatekeeper data synchronization, the bank and the Real Estate Registration Center establish a database and utilize hardware for secure one-way data transmission. Synchronization channels are established from the bank to the Real Estate Registration Center and from the Real Estate Registration Center to the bank, respectively. The LZ78 lossless data compression algorithm and block-based transmission are used.

[0101] Among them, in the data synchronization module, the network gate synchronization technology adopted by the present invention mainly adopts database synchronization technology, and maps the database service to one end of the network gate through the database application agent, so as to realize the synchronous copying of the database content in one end of the network to the database of the other end of the network gate.

[0102] In this embodiment, the control side acts as the database client, acquiring data from the source database (server) using standard SQL statements. After acquiring data, a database script file is generated on the gatekeeper control side. Next, the generated script file is converted to Base64 and encrypted using a national encryption algorithm. The file is then transferred from the gatekeeper control side to the information side using the gatekeeper's internal file transfer tool. Finally, the information side of the gatekeeper connects to the destination database as a client, decrypting the Base64 code and converting it into a script file. The data is then parsed from the file, converted to a data type, and inserted into the destination database using the corresponding INSERT statement.

[0103] In the file compression module, the present invention also incorporates OBS object storage technology. For text attachments outside of structured business information, a time-based tiered storage technique is used to migrate data to different storage tiers based on its creation time and last access time. Data created within five days of the current registration is stored on high-speed storage media, and data created after five days is transferred to lower-speed storage media. This tiered data storage reduces storage costs while ensuring data access performance.

[0104] The file compression module and data synchronization module of this embodiment further include a scheduler, a trigger, a listener, and a job component.

[0105] Among them, the job component is used to set the specific task information to be executed by the scheduling task, such as executing the synchronization task, synchronizing data from the bank to the real estate center, and using JDBC persistence technology to save the scheduling task information to the database. Persistence can ensure that the task is not lost after the application is restarted, and supports task scheduling in a distributed environment.

[0106] Triggers are used to set the frequency or execution time of scheduled tasks. They are based on Linux server Cron expressions and support complex scheduling requirements. Cron expressions consist of 6 or 7 fields, representing seconds, minutes, hours, days, months, weeks, and years (optional).

[0107] The scheduler is used to manage the concurrent execution of tasks using a thread pool. By configuring the thread pool size, the number of tasks executed simultaneously can be controlled.

[0108] The listener is used to monitor the lifecycle events of tasks and triggers, and send system message notifications or SMS message notifications when each link fails or completes.

[0109] In this example, Guiyang Bank has implemented an online process for real estate mortgages. Customers only need to visit the bank once to complete the entire process, eliminating the need for multiple trips to the real estate registration center. This significantly improves efficiency and convenience. This online registration of real estate improves business efficiency and reduces development costs.

[0110] The various embodiments in this specification are described in a progressive manner, with each embodiment focusing on the differences from other embodiments. Reference can be made to the common and similar parts between the various embodiments. For the devices disclosed in the embodiments, since they correspond to the methods disclosed in the embodiments, the description is relatively simple, and the relevant parts can be referred to the method description.

[0111] The above description of the disclosed embodiments is intended to enable one skilled in the art to implement or use the present invention. Various modifications to these embodiments will be readily apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention is not limited to the embodiments shown herein but is intended to conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A real estate online mortgage registration method based on ESB architecture, characterized by: The connection between financial institutions and the real estate registration center is achieved based on the ESB architecture and the gateway system. When a financial institution registers a real estate mortgage, the following steps are included: S1. Obtain the information required for real estate mortgage registration, and conduct information verification and pre-processing; S2. Generate a mortgage electronic document to be signed based on the pre-processed information and the preset contract template; S3. Sign the electronic mortgage document online using electronic signature technology; S4. Obtain the text attachments required for real estate mortgage registration and save them in a photo; S5. Integrate, compress, and save the signed electronic mortgage document and the text attachments; S6. Encoding and encrypting the information, the signed electronic mortgage document, and the text attachment; S7. Synchronously transmit the encryption operation results to the corresponding real estate registration center.

2. The method for online mortgage registration of real estate based on ESB architecture as claimed in claim 1, characterized in that: Also includes: S8. Obtain the electronic certificate sent by the real estate registration center, and determine whether to grant the loan based on the electronic certificate.

3. The method for online mortgage registration of real estate based on ESB architecture as claimed in claim 1, characterized in that: Step S1 specifically includes: Obtaining information required for real estate registration business from financial institutions and real estate registration centers respectively; the information includes business primary key number, mortgage contract information, mortgaged property information, pledger information, pledgee information, and real estate registration application information; Verify the information; if the information is untrue, the real estate mortgage registration cannot be carried out; If the information is true, the information is pre-processed; the ETL extraction technology is used to extract the information into a unified XML format according to the preset extraction logic.

4. The method for online mortgage registration of real estate based on ESB architecture as claimed in claim 1, characterized in that: Step S2 specifically includes: Use Word document to PDF technology to convert pre-processed information and preset contract templates into character streams; Using PDF parameter automatic filling technology, replacing parameters in the contract template character stream with actual business parameters; the actual business parameters are obtained based on the pre-processed information; The replaced contract template character stream is converted into a PDF file to generate a mortgage electronic document to be signed; the mortgage electronic document includes a mortgage electronic contract and an application for electronic registration of real estate mortgage.

5. The method for online mortgage registration of real estate based on ESB architecture as claimed in claim 1, characterized in that: Step S3 specifically includes: The accepting financial institution signs the mortgage electronic document by calling the automated signing interface through an HTTP request; The client uses online facial recognition technology to authenticate and sign the mortgage electronic document; the signing process uses the digital certificate private key issued by CFCA, and the signature algorithm uses the SM3 algorithm to jointly achieve online signing.

6. The method for online mortgage registration of real estate based on ESB architecture as claimed in claim 1, characterized in that: Step S5 includes: Integrate the signed electronic mortgage documents and the text attachments, compress them into blocks and number them; Within the preset time, the compressed file will be temporarily stored in the cache database; if the preset time is exceeded, the compressed file will be saved in the hard disk.

7. The method for online mortgage registration of real estate based on ESB architecture as claimed in claim 6, characterized in that: Step S5 further includes: For the text attachments, a time-based hierarchical storage technology is used to migrate the corresponding text attachments to different storage tiers according to the creation time and the last access time of the text attachments; The text attachments created within a preset time are stored on a high-speed storage medium, and the text attachments created after the preset time are stored on a low-speed storage medium.

8. The method for online mortgage registration of real estate based on ESB architecture as claimed in claim 1, characterized in that: Step S7 specifically includes: When performing synchronous transmission between financial institutions and real estate registration centers, the encryption operation results are transmitted from the gatekeeper control side to the gatekeeper information side using gatekeeper synchronization technology; The gateway information side is connected to the database of the corresponding real estate registration center as the destination library, decrypts the encryption operation result, converts it into a script file and obtains the corresponding data, which is inserted into the destination library.

9. An online real estate mortgage registration system based on an ESB architecture, applying an online real estate mortgage registration method based on an ESB architecture according to any one of claims 1 to 8, characterized in that: Based on the ESB architecture and gateway system, the mortgage registration system connects financial institutions with the real estate registration center. It includes the following modules: Data acquisition module: used to obtain the information required for real estate mortgage registration business and perform information pre-processing; Electronic document generation module: used to generate electronic mortgage documents to be signed based on pre-processed information and preset contract templates; Electronic document signing module: used to sign the mortgage electronic document online using electronic signature technology; Large file processing module: used to obtain text attachments required for real estate mortgage registration business and save them as images; File compression module: used to integrate, compress and save the signed mortgage electronic document and the text attachments; Conversion and encryption module: used for encoding and encrypting the information, the signed mortgage electronic document and the text attachment; Data synchronization module; Used to synchronously transmit the encryption operation results to the corresponding real estate registration center.

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