A method and system for banking real estate

Abstract

The application provides a method and system for handling real estate business in a bank. The real estate handling system interacts with the HTTP service of a real estate agency through an ICC external service platform, and extends the business window of the real estate agency to the bank branch by deploying a real estate registration system and a database locally, wherein the business window contains real estate mortgage registration, cancellation, online inquiry and the like, so that the related matters of the real estate mortgage registration can be directly applied and handled in the bank branch, the whole process of the real estate mortgage registration business is realized, and the handling efficiency of the real estate business is improved.

Description

Technical Field

[0001] This invention relates to the field of financial data processing, specifically to a method and system for banks to handle real estate business. Background Technology

[0002] When users apply for financial mortgage loans using real estate, financial institutions need to verify or review the status of the user's real estate. This requires providing information about the status of the real estate, such as whether the real estate is subject to any restrictions such as seizure or mortgage. If the user does not have a certificate of the real estate status, the user needs to return to the real estate agency to obtain a certificate or submit materials corresponding to the real estate registration information to the financial institution. If the user's real estate information is incomplete or not updated in a timely manner, the user needs to go back to the real estate agency to obtain a certificate or submit supplementary materials to the financial institution again. This prolongs the efficiency of real estate-related financial transactions and results in low efficiency for users to complete the transaction. Summary of the Invention

[0003] In view of the problems existing in the prior art, the present invention provides a method and system for banks to handle real estate business, thereby improving the efficiency of handling financial business related to real estate.

[0004] This invention is achieved through the following technical solution:

[0005] A method for banks to handle real estate business, applied to a client interacting with a real estate institution's server, includes the following processes:

[0006] Upload real estate information on the client side and obtain the real estate status information;

[0007] When the real estate is in a normal state, the initial mortgage registration is carried out on the client side, and the initial mortgage registration information is sent to the server for approval;

[0008] The client obtains electronic certificates based on the approval results, processes real estate mortgage transactions based on the electronic certificates, and saves the real estate request transaction information on the client.

[0009] Preferably, the uploaded real estate information is the certificate number recorded in the real estate ownership certificate, property ownership certificate, house ownership certificate, or house co-use certificate.

[0010] Preferably, the status information of the real estate includes the validity period, seizure status, mortgage status, and objection status.

[0011] Preferably, the process also includes the following:

[0012] After the review is approved, the client will scan the supporting documents for the initial mortgage registration information and send them to the server.

[0013] A transfer order is generated based on the scanned documents, and the transfer order and paper supporting documents are transferred.

[0014] Preferably, when the real estate is in a cancelable or cancelable-for-re-mortgage state, the following process is performed:

[0015] Submit the cancellation application materials or cancellation and re-mortgaging materials on the client side, generate a business acceptance number, and send the submitted materials to the corresponding authorized approver for review;

[0016] Authorized approvers review the materials submitted by the client and store the approval results on the client.

[0017] Preferably, once the review is approved, the cancellation application materials or cancellation and re-mortgaging materials are sent to the server. After the server successfully receives the cancellation application materials or cancellation and re-mortgaging materials, it sends the business number of the real estate. The client receives and stores the information for subsequent status inquiries about the real estate.

[0018] A system for a bank to handle real estate business includes an inquiry module, an approval module, a receiving module, and a processing module;

[0019] The query module is used to check the status of real estate based on real estate information;

[0020] The approval module is used to send the initial mortgage registration of real estate to the server for approval;

[0021] The receiving module is used to receive the approval results from the server and obtain electronic certificates;

[0022] The processing module is used to process real estate mortgage business based on electronic certificates.

[0023] The client is used to obtain the status information of real estate, perform the initial mortgage registration based on the status information, and send the initial mortgage registration information for review.

[0024] A terminal system includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the aforementioned method for handling real estate business in a bank.

[0025] Compared with the prior art, the present invention has the following beneficial technical effects:

[0026] This invention provides a method for banks to handle real estate business. The method is applied to a client that interacts with the server of a real estate agency. The client queries the status information of the real estate, then performs initial mortgage registration based on the query results, and sends the initial mortgage registration to the real estate agency's server for approval. Based on the approval result, an electronic certificate is obtained, and the real estate mortgage business is then processed. This method extends the real estate agency's service window to banks via the network, enabling real estate mortgage registration and related matters to be applied for directly at bank branches, thus improving the efficiency of real estate business processing. Attached Figure Description

[0027] Figure 1 This is a flowchart of the real estate mortgage business of the present invention;

[0028] Figure 2 This is a flowchart illustrating the overall process of real estate deregistration in this invention.

[0029] Figure 3 This is a flowchart illustrating the approval process for real estate transactions under this invention. Detailed Implementation

[0030] The present invention will now be described in further detail with reference to the accompanying drawings. These descriptions are intended to explain the invention and not to limit it.

[0031] See Figure 1 A method for banks to handle real estate business, applied to a client interacting with an HTTP server of a real estate institution, includes the following steps:

[0032] Step 1: Upload the customer's real estate information to the client and query the real estate status information;

[0033] Real estate information includes the certificate number recorded on the real estate ownership certificate, property ownership certificate, house ownership certificate, or house co-ownership certificate. The certificate number can be used as a search condition to query the status information of the real estate.

[0034] Status information includes validity period, seizure status, mortgage status, and objection status.

[0035] Step 2: When the real estate is in a normal state, the initial mortgage registration is carried out on the client side. The registration information includes the real estate ownership certificate, property ownership certificate, house ownership certificate or house co-ownership certificate.

[0036] When the real estate is in a normal state, that is, the real estate is free from seizure, mortgage, and objection, and is within the validity period, the customer's mortgage loan application can be accepted and the initial mortgage registration can be carried out.

[0037] If the property is in an abnormal state, the process will end, that is, the mortgage loan process will be stopped.

[0038] Step 3: Send the initial mortgage registration information to the real estate agency's HTTP server.

[0039] Specifically, the initial mortgage registration information is pushed to the HTTP server, and the attachment information contained in the attachment list in the initial mortgage registration information is transmitted to the HTTP server in Base64 format as a binary stream, i.e., the HTTP server of the real estate registration center.

[0040] Step 4: The reviewer reviews the initial mortgage registration information and sends the review results to the client via an HTTP server.

[0041] Specifically, the reviewer conducts a preliminary review of the elements and materials of the initial mortgage registration information, and then uploads the review comments to the HTTP server;

[0042] If the review is approved, the "Approval for Registration" review opinion will be uploaded to the HTTP server through the approval interface;

[0043] If the preliminary review fails, the real estate application withdrawal interface is called to upload the "not to be registered" review opinion to the HTTP server and the application is withdrawn.

[0044] Step 5: The client obtains the approval result from the real estate system. When the result is "Approved for registration", the client obtains the electronic certificate corresponding to "Approved for registration" and processes the real estate mortgage loan procedures based on the electronic certificate.

[0045] Specifically, the client periodically schedules the relevant interfaces for querying the status of the HTTP server to query the "approved" business. By calling the certificate information interface provided by the HTTP server, once the client obtains the "approved for registration" result from the real estate system, it can retrieve the electronic certificate automatically obtained by the HTTP server backend from this interface.

[0046] When the client query result is "not allowed to register", the reason for "not allowed to register" is obtained by calling the HTTP server to verify the data information query interface. Then, the mortgage initial registration information is adjusted according to the obtained reason, and step 3 is executed.

[0047] Step 6: Scan all paper materials for the initial mortgage registration information and send them to the HTTP server via the client, then transfer the paper materials.

[0048] Specifically, once the real estate application is approved, the bank needs to perform a post-scan of all paper documents and transmit the scanned documents to the real estate system through the client's attachment transmission interface, and then archive the paper documents.

[0049] The aforementioned paper materials include information such as real estate ownership certificates, property ownership certificates, house ownership certificates, or house co-ownership certificates. The certificate number can be used as a query condition to retrieve the status information of the real estate.

[0050] Step 7: The client generates a transfer order based on the scanned materials, and the bank transfers the transfer order and the archived materials to the real estate agency.

[0051] After the banking business is archived, the file information needs to be transferred to the real estate department. The client calls the transfer form generation interface provided by the real estate department to generate the transfer form, and then transfers the transfer form and paper materials together to the relevant department of the real estate department.

[0052] See Figure 2 and 3 A method for canceling real estate transactions, applied to a client interacting with an HTTP server of a real estate agency, includes the following steps:

[0053] Step 1: Upload the customer's real estate information to the client and obtain the status of the real estate ownership.

[0054] The status of real estate ownership is divided into three categories: first, whether it is mortgaged; second, whether there are other restrictions (seizure, remaining mortgage, objection); and third, the current and historical status. When the real estate ownership certificate is valid and the real estate is free from restrictions such as seizure, mortgage, or objection, the client's mortgage loan, mortgage application, cancellation application, and cancellation and re-mortgaging application can be accepted.

[0055] Step 2: When the property title is in a cancelable or cancelable-for-re-mortgage state, obtain all the detailed information of the property title.

[0056] Specifically, on the cancellation service application interface, enter the real estate registration certificate number and obtain detailed information returned by the real estate information query interface. This detailed information includes the mortgage information to be cancelled, property rights information, and rights holder information.

[0057] Step 3: Confirm the submission of cancellation application materials or cancellation and re-mortgage materials on the client, generate a business acceptance number, and execute the corresponding process according to the submitted materials, sending the submitted materials to the corresponding authorized approver for review.

[0058] For example, when performing real estate registration cancellation, the cancellation application materials and supplementary supporting documents are submitted through the client. After submission, a business acceptance number is generated, the cancellation registration process is executed, and all submitted documents are sent to the authorized approver.

[0059] When conducting real estate title cancellation and re-mortgaging business, the cancellation and re-mortgaging application materials and supplementary relevant supporting documents are submitted through the client. After submission, a business acceptance number is generated, the cancellation and re-mortgaging process is executed, and all submitted documents are sent to the authorized approver.

[0060] Step 4: The authorized approver reviews the materials submitted by the client and stores the approval result on the client.

[0061] Authorized approvers can view the current pending approval records through the client's pending processing interface, and review the business of deregistration or deregistration and re-mortgaging. If the review is approved, the application elements and attachments of the business will be transmitted to the HTTP server through the real estate-related interface. Successful transmission will return an approval mark, such as a real estate business number, for subsequent business status inquiries. If the review is not approved, the process will end and the business will be returned to the initiator.

[0062] This invention also provides a system for banks to handle real estate business, including an inquiry module, an approval module, a receiving module, and a processing module;

[0063] The query module is used to check the status of real estate based on real estate information;

[0064] The approval module is used to send the initial mortgage registration of real estate to the server for approval;

[0065] The receiving module is used to receive the approval results from the server and obtain electronic certificates;

[0066] The processing module is used to process real estate mortgage business based on electronic certificates.

[0067] This real estate registration system interacts with real estate agencies via the ICC external service platform and realizes the entire process of real estate mortgage registration by deploying the real estate registration system and database locally.

[0068] This system can connect to the real estate data systems of real estate agencies, extending their business services to bank branches. This includes services such as real estate mortgage registration, cancellation, and online inquiries. It allows for direct application and processing of real estate mortgage registration and related matters at bank branches, improving the efficiency of real estate transactions.

[0069] In an exemplary embodiment, a computer-readable storage medium is also provided, which stores a computer program that, when executed by a processor, implements the steps of the real estate mortgage method for the real estate transaction. The computer storage medium can be any available medium or data storage device accessible by a computer, including but not limited to magnetic storage (e.g., floppy disks, hard disks, magnetic tapes, magneto-optical disks (MO), etc.), optical storage (e.g., CDs, DVDs, BDs, HVDs, etc.), and semiconductor storage (e.g., ROMs, EPROMs, EEPROMs, non-volatile memory (NAND flash), solid-state drives (SSDs)).

[0070] In an exemplary embodiment, a terminal system is also provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the steps of the method for handling real estate business at a bank. The processor may be a Central Processing Unit (CPU), or it may be other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.

[0071] The above content is only for illustrating the technical concept of the present invention and should not be construed as limiting the scope of protection of the present invention. Any modifications made to the technical solution based on the technical concept proposed in this invention shall fall within the scope of protection of the claims of this invention.

Claims

1. A method for banks to handle real estate business, applied to a client interacting with a server of a real estate institution, characterized in that, Includes the following processes: Upload real estate information on the client side and obtain the real estate status information; When the real estate is in a normal state, the initial mortgage registration is carried out on the client side, and the initial mortgage registration information is sent to the server for approval; The client obtains electronic certificates based on the approval results, processes real estate mortgage business based on the electronic certificates, stores the real estate request business processing information on the client, and applies the electronic certificates to the bank mortgage loan approval process.

2. The method for banks to handle real estate business according to claim 1, characterized in that, The uploaded real estate information is the certificate number recorded on the real estate ownership certificate, property ownership certificate, house ownership certificate, or house co-use certificate.

3. The method for banks to handle real estate business according to claim 1, characterized in that, The status information of the real estate includes the validity period, seizure status, mortgage status, and objection status.

4. The method for banks to handle real estate business according to claim 1, characterized in that, It also includes the following processes: After the review is approved, the client will scan the supporting documents for the initial mortgage registration information and send them to the server. A transfer order is generated based on the scanned documents, and the transfer order and paper supporting documents are transferred.

5. A method for banks to handle real estate business according to claim 1, characterized in that, When the real estate is in a state where it can be cancelled or can be remortgaged, the following process is performed: Submit the cancellation application materials or cancellation and re-mortgaging materials on the client side, generate a business acceptance number, and send the submitted materials to the corresponding authorized approver for review; Authorized approvers review the materials submitted by the client and store the approval results on the client.

6. A method for banks to handle real estate business according to claim 5, characterized in that, Once the review is approved, the cancellation application materials or cancellation and re-mortgage materials will be sent to the server. After the server successfully receives the cancellation application materials or cancellation and re-mortgage materials, it will send the business number of the real estate. The client will receive and store the information for subsequent status inquiries about the real estate.

7. A system based on the method for handling real estate business by a bank according to any one of claims 1-6, characterized in that, It includes a query module, an approval module, a receiving module, and a processing module; The query module is used to check the status of real estate based on real estate information; The approval module is used to send the initial mortgage registration of real estate to the server for approval; The receiving module is used to receive the approval results from the server and obtain electronic certificates; The processing module is used to process real estate mortgage business based on electronic certificates. The client is used to obtain the status information of real estate, perform the initial mortgage registration based on the status information, and send the initial mortgage registration information for review.

8. A terminal system, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method for handling real estate business by a bank as described in any one of claims 1-6.

Images