Housing cloud loan service system

Abstract

The invention discloses a housing cloud loan service system, which adopts a service-oriented architecture to provide a calling and architecture business integrated management platform for an application system, establishes a mobile app based on the business platform to realize a multi-terminal office channel, and establishes a flexible data conversion mechanism based on a heterogeneous system and a configurable information bridging technology. Conversion of multiple data types and data sources is supported, based on a BPML department collaborative application data comparison technology, an electronic form technology, a block chain technology and a multi-party video conference technology, multiple ca certificate authentication modes are supported, and block chain evidence storage is carried out on standard and non-standard format data generated in the process. The business integrated management platform comprises the following sub-modules: user registration, real name authentication, loan calculation, loan query, loan application, loan pre-examination, loan re-examination, loan examination and approval, online interview and interview, guarantee loan, online mortgage and one-key litigation. According to the invention, the housing loan customer service efficiency and the product experience can be improved.

Description

technical field [0001] The invention belongs to the field of information communication, and in particular relates to a housing cloud loan service system. Background technique [0002] At present, housing loans usually adopt the offline loan method. The offline loan method usually has the following disadvantages: 1) The user experience of offline processing is poor and time-consuming, and cannot meet the needs of urgent borrowers. 2) Multiple parties stamp offline, customers need to go back and forth multiple times, and the process in the industry is lengthy. 3) Paper materials, contracts, printing, storage, and management costs are high, and personnel investment is large. As a result, offline loan methods usually have low user service efficiency and poor service experience. Contents of the invention [0003] In order to solve the defects and deficiencies in the above-mentioned prior art, the present invention provides a service for improving the service efficiency and pr...

AI Technical Summary

Problems solved by technology

[0002] At present, housing loans usually adopt the offline loan method, which usually has the following disadvantages: 1) The user experience of offline processing is poor and time-consuming, and cannot meet the needs of urgent borrowers

2) Multiple parties stamp offline, customers need to go back and forth multiple times, and the process in the industry is lengthy

3) Paper materials, contracts, printing, storage, and management costs are high, and personnel investment is large

As a result, offline loan methods usually have low user service efficiency and poor service experience

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