House purchase qualification and loan qualification automatic inspection method based on blockchain oracle machine and intelligent contract

Abstract

The invention discloses a house purchase qualification and loan qualification automatic inspection method based on a blockchain oracle machine and an intelligent contract. A commercial shell transaction platform system is constructed. Through innovative combined use of the blockchain oracle machine and the intelligent contract, house buyer related information is obtained from an authoritative datasource and queried in a general questionnaire form, contact with private data is reduced as much as possible, and house buying qualification and loan qualification inspection processes are automatically judged according to current policies. According to the method, the problem that the house buyer feels confused about whether the house buyer has house buying qualification and loan qualification or not and whether the house buyer is suitable for a first house loan policy or a second house loan policy due to frequent policy changes is solved, and the risk of misleading by house property salesmen is avoided. Meanwhile, compared with existing house purchase qualification and loan qualification online query services, on one hand, the tedious and error-prone information manual input step is omitted;

Description

technical field [0001] The invention relates to the field of software development, in particular to the application of block chain oracles and the writing of smart contracts. Background technique [0002] The commercial housing transaction market is a typical strong regulatory market. Since the national property market as a whole still maintains upward momentum (in 2018, the national commercial housing sales were nearly 15 trillion yuan, a year-on-year increase of 12.2%), especially the property market in first- and second-tier cities continued to be hot, so Most cities have introduced purchase restriction and loan restriction policies, and the policy changes very frequently: According to statistics, in 2018, cities across the country issued as many as 438 property market regulation policies; Hangzhou alone issued 7 consecutive policies within 191 days Property market regulation policy. The ever-changing regulatory policies have also made home buyers very confused. They are...

AI Technical Summary

Problems solved by technology

Therefore, this type of service is not very convenient for house buyers at first, and it requires a lot of information from the house buyers; secondly, the accuracy of this type of service is not high, as long as the information entered by the house buyers is wrong, the query results will lose their value. Information such as loan status and credit status is extremely easy to miss; again, this type of service is also facing privacy and security issues. vulnerable to theft

Images