Full-link intelligent risk control system for building renting

Abstract

The invention discloses a full-link intelligent risk control system for building renting, which relates to the technical field of renting management and specifically comprises a housing resource verification module, an intelligent matching module, a communication module, an electronic contract management module, a fund supervision module, a risk monitoring module and a feedback module. The house source verification module is used for verifying house source information uploaded by a user, checking the authenticity of a house source and updating the state of the house source in real time; the house source verification module comprises an image recognition unit which is used for being in butt joint with a map navigation database according to the house source position information, and it is ensured that house source addresses exist truly. According to the full-link intelligent risk control system for building renting, a non-intermediary direct transaction mode is adopted, direct communication between an owner and a tenant is achieved, the information difference between the owner and the tenant is broken, the owner and the tenant can conduct direct transaction, and the probability that internal personnel and an intermediary are linked to conduct improper transaction is reduced.

Description

Technical Field

[0001] The present invention relates to the field of leasing management technology, and specifically to a full-link intelligent risk control system for building leasing. Background Art

[0002] With the acceleration of urbanization and the development of the sharing economy, the building rental market continues to expand, but the traditional rental model still faces many challenges. Currently, the core of modern building rental systems is typically to integrate full-process data and intelligent algorithms through digital platforms to achieve closed-loop management from property management to post-rental services. Typical technical solutions include: transforming physical building spaces into digital assets through 3D modeling or floor plan visualization technology, and updating room status in real time; combining historical occupancy rates, nearby competitive rentals, transportation planning, and other data to generate optimal rental plans using machine learning algorithms to reduce vacancy rates; and the system automatically recommends properties based on tenant industry, size, and other tags.

[0003] However, the existing system still has the following key problems:

[0004] Housing listings rely on users to upload information independently, lacking an effective verification mechanism. This leads to fake or outdated listings flooding the market, causing real estate agents to take advantage of this opportunity to charge high viewing fees.

[0005] Contract signing, capital flow and other links are still mainly operated offline, with information opacity and difficulty in tracing responsibility; some intermediaries collude with platform personnel and take advantage of information asymmetry to implement illegal operations such as "high collection and low rent" and "long collection and short payment", exacerbating market chaos.

[0006] Based on this, this application proposes a full-link intelligent risk control system for building leasing. Summary of the Invention

[0007] The present invention provides a full-link intelligent risk control system for building leasing, which solves the problems raised in the above-mentioned background technology, such as the difficulty in ensuring the authenticity of housing resources, the existence of multiple information gaps between owners and tenants, the difficulty of direct transactions, the high degree of manual dependence, and the susceptibility to human fraud.

[0008] The present invention provides the following technical solutions: a full-link intelligent risk control system for building leasing, comprising a housing source verification module, an intelligent matching module, a communication module, an electronic contract management module, a fund supervision module, a risk monitoring module and a feedback module, wherein the housing source verification module is used to verify the housing source information uploaded by the user, check the authenticity of the housing source, and update the housing source status in real time; the housing source verification module comprises an image recognition unit, which is used to connect to a map navigation database based on the housing source location information to ensure that the housing source address actually exists, compare the real housing source image information uploaded by the user with the housing source image information in a historical database, detect duplicate images, but automatically exclude images of the same housing source from different periods when detecting duplicate images; use the map navigation database to verify the outdoor information of the housing source, retrieve the housing source information at the same location in the historical database, and detect the authenticity of the indoor layout of the housing source; the image recognition unit marks the authenticity of the housing source information and feeds it back to the feedback module;

[0009] The communication module is used for direct communication between the owner and the tenant; the feedback module is used to feed back the verification results of the property verification module to the owner; the feedback module is used to feed back the tenant feedback and the owner feedback to the risk monitoring module; the feedback module is used to feed back abnormal behavior of internal personnel to the risk monitoring module and the owner.

[0010] Preferably, the property verification module also includes an image pre-storage unit; the image pre-storage unit is used to pre-store the property image information uploaded by the user, and to screen the property image information, mark the AI ​​synthetic image, pre-process the real shot image information, remove the image beautification effect, and upload the property image information to the image recognition unit, and the image recognition unit directly marks the property image information determined to be the AI ​​synthetic image.

[0011] Preferably, the house image information received by the image pre-storage unit includes indoor image information and outdoor image information of the house, and the outdoor image information includes indoor image information.

[0012] Preferably, the intelligent matching module is used to intelligently customize the rental price of the house according to the surrounding competitive products and historical rental conditions of the house, and the intelligent matching module is used to intelligently match tenants with owners according to the needs of tenants and owners.

[0013] Preferably, the electronic contract management module automatically generates an adapted electronic contract, supports online signing, and during the signing process, verifies the identities of both parties to ensure that the tenant and the landlord sign the contract directly, collects and saves the signing process data and the image information of the signatory, and has database timed deletion technology to automatically delete non-core data at the preset time after the lease relationship is terminated.

[0014] Preferably, the fund supervision module is connected to a third-party supervision platform, which saves the tenant's deposit. After the lease relationship is terminated, the deposit's retention or removal is determined based on actual circumstances. The tenant transfers the rent to the third-party supervision platform, which directly transfers the rent to the owner.

[0015] Preferably, the risk monitoring module is used to monitor the property verification module, intelligent matching module, communication module, electronic contract management module, fund supervision module and feedback module, identify abnormal behavior through big data analysis, issue real-time alarms and trigger intervention mechanisms, generate risk scores based on user behavior, and restrict user permissions based on the scores.

[0016] Preferably, the feedback module feeds back abnormal behavior of internal personnel frequently modifying housing prices or removing housing listings to the owner, determines whether the owner is aware of it, and after obtaining the owner's informed feedback, feeds back the owner's awareness to the risk monitoring module. The risk monitoring module deletes the risk assessment caused by internal personnel frequently modifying housing prices or removing housing listings; conversely, the risk monitoring module upgrades the risk assessment level of the abnormal behavior, issues a real-time alarm, and triggers an intervention mechanism.

[0017] Preferably, the property verification module records the verification results of the same property, and when the same property is verified as a false property for a set number of times, the owner is prohibited from uploading the verification again, and directly interacts with the risk monitoring module for data, and the risk monitoring module triggers the intervention mechanism.

[0018] Compared with the prior art, the present invention has the following beneficial effects:

[0019] 1. The building rental uses a full-link intelligent risk control system to conduct multi-dimensional verification of the authenticity of the housing resources to ensure the authenticity of the housing resources, allowing tenants to obtain an intuitive experience online that is consistent with on-site house viewing, breaking the information monopoly of intermediaries and breaking the situation where intermediaries charge high commissions for showing houses.

[0020] 2. The full-link intelligent risk control system for building leasing adopts a decentralized direct transaction model to achieve direct communication between owners and tenants, breaking the information gap between owners and tenants, enabling owners and tenants to trade directly, and reducing the probability of internal personnel colluding with intermediaries to conduct improper transactions.

[0021] 3. The building leasing full-link intelligent risk control system has full-link financial risk control to ensure the safety of deposits and rents, build a full-process risk control system covering pre-rental, mid-rental and post-rental, provide full-link monitoring and services for the rental life cycle, operate transparently, and reduce manual dependence and fraud risks. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 This is a block diagram of a full-link intelligent risk control system for building leasing provided by the present invention;

[0023] Figure 2 A flow chart of a full-link intelligent risk control system for building leasing improved by the present invention;

[0024] Figure 3 Schematic diagram of the working principle of the housing verification module of the present invention. DETAILED DESCRIPTION

[0025] 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. All other embodiments obtained by ordinary technicians in this field based on the embodiments of the present invention without making any creative efforts shall fall within the scope of protection of the present invention.

[0026] The present invention provides an embodiment: please refer to Figure 1-Figure 3 A full-link intelligent risk control system for building leasing includes a property verification module, an intelligent matching module, a communication module, an electronic contract management module, a fund supervision module, a risk monitoring module, and a feedback module. The property verification module and the intelligent matching module implement data transmission, the property verification module and the feedback module implement data interaction, the intelligent matching module and the communication module implement data transmission, the communication module and the electronic contract management module implement data transmission, the communication module and the feedback module implement data interaction, the electronic contract management module implements data transmission, the fund supervision module and the feedback module implement data transmission, and the risk monitoring module implements data interaction with the property verification module, the intelligent matching module, the communication module, the electronic contract management module, the fund supervision module, and the feedback module.

[0027] The property verification module is used to verify the property information uploaded by users, check the authenticity of the property, and update the property status in real time. The property verification module includes an image pre-storage unit and an image recognition unit.

[0028] The image pre-storage unit is used to pre-store the house image information uploaded by the user, screen the house image information, annotate the AI ​​synthetic image, pre-process the real-shot image information, remove the image beautification effect, and upload the house image information to the image recognition unit. The image pre-storage unit has requirements for the house image information uploaded by the user. The house image information received by the image pre-storage unit includes indoor image information and outdoor image information of the house, and the outdoor image information contains indoor image information, ensuring that the outdoor image information and indoor image information of the house taken by the user belong to the same house. Based on the comparison of indoor and outdoor environments, the verification accuracy of the house verification module is further improved, and it is easier for tenants to understand the transparency and lighting effects of the house, judge the surrounding environment, reduce the cost of offline house viewing, and improve user experience.

[0029] The image recognition unit directly annotates the image information of properties that are determined to be AI-synthesized images, improving verification efficiency. The image recognition unit is used to connect to the map navigation database based on the property location information to ensure that the property address actually exists. It directly terminates verification for properties with false addresses, improving verification results. For properties with real addresses, the image recognition unit compares the real property image information uploaded by the user with the property image information in the historical database to detect duplicate images. However, when detecting duplicate images, it automatically excludes images of the same property from different periods, reducing the probability of misjudgment and improving the reliability of the risk control system. The image recognition unit uses the map navigation database to verify the outdoor information of the property, and retrieves the property information at the same location in the historical database to detect the authenticity of the interior layout of the property. The image recognition unit annotates the authenticity of the property information and feeds it back to the feedback module.

[0030] From the above description, it can be seen that when using this intelligent risk control system, it cross-verifies the authenticity of the property from multiple angles, including the authenticity of the uploaded images, the authenticity of the property location, the authenticity of the interior layout of the property, and the authenticity of the exterior layout of the property, to ensure that the property is authentic and valid, allowing tenants to have an intuitive understanding of the property online and obtain an intuitive experience consistent with viewing the property in person, breaking the information monopoly of intermediaries and breaking the situation where intermediaries charge high commissions for showing properties.

[0031] In addition, the property verification module records the verification results of the same property, and when the same property is verified to be a false property for a set number of times (such as 3 times, which can be set according to needs and is not limited here), the owner is prohibited from uploading the verification again, and directly interacts with the risk monitoring module for data. The risk monitoring module triggers the intervention mechanism and pushes it to the manual review queue for manual verification. When the manual verification result is consistent with the verification result of the property verification module, the risk monitoring module feeds the result back to the property verification module. The property verification module permanently prohibits the owner from verifying the same property information. If the property is manually verified to be a real property, the property verification module modifies the verification result.

[0032] The intelligent matching module uses big data analysis and deep learning algorithms to intelligently customize rental prices based on nearby competing properties and historical rental history, stabilizing the market and creating a win-win situation for both owners and tenants. The intelligent matching module intelligently matches tenants with owners based on both tenant and property needs, achieving precise demand matching, improving user satisfaction, reducing risk, and increasing rental transaction rates.

[0033] The communication module is used for direct communication between owners and tenants to complete house rentals and save operating costs for owners and tenants.

[0034] The electronic contract management module automatically generates an adapted electronic contract based on the content of communication between the owner and the tenant, supports online signing, and verifies the identities of both parties during the signing process to ensure that the tenant and the owner sign the contract directly. It collects and saves the signing process data and image information of the signatories to ensure the authenticity of the identities of both parties, the voluntariness of the signing, and the traceability of the signing process, thereby reducing disputes. It also has database timed deletion technology, which automatically deletes non-core data such as cached data after a preset time (such as 3 months, which can be set according to needs and is not limited here) after the lease relationship is terminated.

[0035] The feedback module is used to feed back the verification results of the property verification module to the owner through the communication module. If the property is verified to be a fake listing, the owner can file a complaint in a timely manner or re-upload the property image information to improve processing efficiency. The feedback module is used to feed back tenant feedback and owner feedback to the risk monitoring module. The risk monitoring module can verify the authenticity of the property based on the tenant's feedback. If the tenant verifies that the property is a fake listing offline, the risk monitoring module controls the property verification module to modify the verification results, remove the listed property, and compensate the user through the fund supervision module. The risk monitoring module can update the tenant's credit score in real time based on the owner's feedback on the tenant's behavior during the lease period, affecting subsequent operation permissions. The risk monitoring module promptly responds to complaints from tenants or owners and compensates according to the actual situation. If the owner's property is mistakenly identified as a fake listing and the owner's complaint is successful, the risk monitoring module will add a trustworthy label to the property after it is listed, increasing the property's exposure. If the tenant's complaint against the owner's breach of contract is established, the risk monitoring module protects the tenant's rights, reduces the tenant's losses, and increases the owner's breach of contract costs.

[0036] The feedback module is used to feedback abnormal behavior of internal personnel to the risk monitoring module and the owner. The feedback module feedbacks abnormal behavior of internal personnel frequently changing housing prices or removing housing listings to the owner, determines whether the owner is aware of it, and after obtaining the owner's informed feedback, feedback the owner's awareness to the risk monitoring module. The risk monitoring module deletes the risk assessment caused by internal personnel frequently changing housing prices or removing housing listings; conversely, the risk monitoring module upgrades the risk assessment level of abnormal behavior, issues real-time alarms and triggers intervention mechanisms to reduce the probability of misjudgment and improve the reliability of the intelligent risk control system.

[0037] The fund supervision module connects with third-party regulatory platforms (such as banks), which store tenant deposits. After the lease is terminated, the third-party regulatory platform determines whether to retain the deposit based on the actual circumstances, reducing disputes. Tenants transfer rent to the third-party regulatory platform, which then directly transfers the rent to the landlord. The fund supervision module overcomes the information gap between landlords and tenants, enabling direct transactions and reducing the likelihood of insider collusion with intermediaries to engage in improper transactions. This closes the capital loop and allows for real-time interception of abnormal transactions. Furthermore, the fund supervision module collects landlord deposits, which are stored on the third-party regulatory platform. In the event of a landlord default, the deposit is the first priority for deduction.

[0038] The risk monitoring module is used to monitor the property verification module, intelligent matching module, communication module, electronic contract management module, fund supervision module and feedback module. It identifies abnormal behavior through big data analysis, issues real-time alarms and triggers intervention mechanisms. It generates risk scores based on user behavior and restricts user permissions based on the scores.

[0039] To sum up: the full-link intelligent risk control system for building leasing ensures the authenticity of the housing resources through multi-dimensional verification of the authenticity of the housing resources, allowing tenants to get an intuitive experience online that is consistent with on-site house viewing, breaking the information monopoly of intermediaries and the situation where intermediaries charge high commissions for house viewings; and when signing the contract, the owner and the tenant communicate directly to complete the house rental, breaking the information gap between the owner and the tenant, enabling the owner and the tenant to trade directly, and reducing the probability of internal personnel colluding with intermediaries to conduct improper transactions; reducing manual intervention, providing full-link monitoring and services for the rental life cycle, and reducing the dispute rate and improving the experience effect through deposit supervision and traceable contract signing.

[0040] Property verification module, intelligent matching module, communication module, electronic contract management module, fund supervision module, risk monitoring module and feedback module

[0041] The usage process of the full-link intelligent risk control system for building leasing is as follows: the owner uploads the image information of the property, the property verification module verifies the uploaded image information of the property, and after successful verification, pushes the property to the intelligent matching module; the intelligent matching module recommends properties to tenants based on the needs of the owner and the tenant, and the owner and the tenant communicate directly on the communication module. When signing the contract, the electronic contract management module automatically generates an electronic contract based on the content of the communication, and the owner and the tenant sign the contract to establish a leasing relationship. After the signing is completed, the deposit is saved using the third-party supervision platform, and the rent paid by the tenant is transferred to the owner using the third-party supervision platform. The platform provides full-link monitoring and services throughout the rental life cycle. After the leasing relationship between the owner and the tenant is terminated, the third-party supervision platform disposes of the deposit according to the actual situation.

[0042] The contents not described in detail in this specification belong to the prior art known to professional and technical personnel in this field. Although the embodiments of the present invention have been shown and described, it is understood by those skilled in the art that various changes, modifications, substitutions and variations can be made to these embodiments without departing from the principles and spirit of the present invention. The scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A full-link intelligent risk control system for building leasing, including a property verification module, an intelligent matching module, a communication module, an electronic contract management module, a fund supervision module, a risk monitoring module, and a feedback module, characterized by: The housing source verification module is used to verify the housing source information uploaded by users, check the authenticity of the housing source, and update the housing source status in real time. The housing source verification module includes an image recognition unit. The image recognition unit is used to connect to the map navigation database based on the housing source location information to ensure the real existence of the housing source address, compare the real housing source image information uploaded by the user with the housing source image information in the historical database, detect duplicate images, and automatically exclude images of the same housing source from different periods when detecting duplicate images; use the map navigation database to verify the outdoor information of the housing source, retrieve the housing source information of the same location in the historical database, and check the authenticity of the indoor layout of the housing source; the image recognition unit marks the authenticity of the housing source information and feeds it back to the feedback module; The communication module is used for direct communication between the owner and the tenant; the feedback module is used to feed back the verification results of the property verification module to the owner; the feedback module is used to feed back the tenant feedback and the owner feedback to the risk monitoring module; the feedback module is used to feed back abnormal behavior of internal personnel to the risk monitoring module and the owner.

2. A full-link intelligent risk control system for building leasing according to claim 1, characterized in that: The property verification module also includes an image pre-storage unit; the image pre-storage unit is used to pre-store property image information uploaded by users, filter the property image information, mark AI synthetic images, pre-process the real-shot image information, remove image beautification effects, and upload the property image information to the image recognition unit. The image recognition unit directly marks the property image information determined to be AI synthetic images.

3. The full-link intelligent risk control system for building leasing according to claim 2 is characterized by: The house image information received by the image pre-storage unit includes indoor image information and outdoor image information of the house, and the outdoor image information includes indoor image information.

4. The full-link intelligent risk control system for building leasing according to claim 1 is characterized by: The intelligent matching module is used to intelligently customize the rental price of a house based on the surrounding competitive conditions and historical rental conditions of the house. The intelligent matching module is used to intelligently match tenants with owners based on the needs of tenants and owners.

5. The full-link intelligent risk control system for building leasing according to claim 1 is characterized by: The electronic contract management module automatically generates an adapted electronic contract, supports online signing, and verifies the identities of both parties during the signing process to ensure that the tenant and the landlord sign the contract directly. It collects and saves the signing process data and image information of the signatories, and has database timed deletion technology to automatically delete non-core data at the preset time after the lease relationship is terminated.

6. The full-link intelligent risk control system for building leasing according to claim 1 is characterized by: The fund supervision module is connected to a third-party supervision platform, which stores the tenant's deposit. After the lease is terminated, the third-party supervision platform determines whether to keep the deposit based on the actual situation. The tenant transfers the rent to a third-party supervision platform, and the third-party supervision platform directly transfers the rent to the landlord.

7. The full-link intelligent risk control system for building leasing according to claim 1 is characterized by: The risk monitoring module is used to monitor the property verification module, intelligent matching module, communication module, electronic contract management module, fund supervision module and feedback module, identify abnormal behavior through big data analysis, issue real-time alarms and trigger intervention mechanisms, generate risk scores based on user behavior, and restrict user permissions based on the scores.

8. The full-link intelligent risk control system for building leasing according to claim 1 is characterized by: The feedback module reports abnormal behavior of internal personnel frequently modifying prices or removing listings to the owner, determines whether the owner is aware of the situation, and after receiving the owner's feedback, reports the owner's awareness to the risk monitoring module. The risk monitoring module deletes the risk assessment caused by internal personnel frequently modifying prices or removing listings. On the contrary, the risk monitoring module upgrades the risk assessment level of abnormal behavior, issues real-time alarms, and triggers intervention mechanisms.

9. The full-link intelligent risk control system for building leasing according to claim 1 is characterized by: The housing source verification module records the verification results of the same housing source, and when the same housing source is verified as a false housing source for a set number of times, the owner is prohibited from uploading the verification again, and directly interacts with the risk monitoring module for data, and the risk monitoring module triggers the intervention mechanism.

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