Design And Implementation Of Stock Housing Transaction Fund Custody System Based On Microservice Architecture

In recent years,with the continuous development of the stock housing market,stock housing transactions have become increasingly active.In order to better improve the regulatory level of China’s real estate industry and prevent potential risks in stock housing transactions,the Chinese government has introduced new policies on stock housing transaction funds,which must be managed using a "special account" for purchasing funds.In this context,based on the microservice architecture,this article designs and implements a stock housing transaction fund custody system to supervise the entry and withdrawal process of stock housing transaction funds,ensuring the safety of both parties’ funds and property during the real estate transaction process.Through the study of the stock housing fund custody system and the analysis of the design goals and requirements of the stock housing fund custody system proposed by a certain city,the management requirements of custody institutions,custody banks,and real estate registration were clarified,and the system was designed and analyzed.The module function diagram,business Use Case Diagram and business flow diagram of stock housing fund trust are designed.The main implementation includes five parts: custody agreement management services,custody fund entry management services,custody fund withdrawal management services,custody fund refund management services,and custody account statistical analysis.We have designed and implemented this system using microservice architecture.On this basis,Spring Cloud was used to analyze and design its logical architecture,network topology architecture,functional system architecture,etc.The database is designed based on the data fields in the business process and uses Sentinel mode in the Redis cluster.In addition,we conducted in-depth research on the high-performance core components of the Spring Cloud family bucket,while utilizing Spring Cloud components to enhance the platform’s usability and security.For the login authentication of the system,the OAuth2.0 mechanism is selected to implement the authentication login of the system.In order to ensure system security,identity authentication and authorization management,interface data transmission security,and encryption of sensitive data in the system have been designed.This article also utilizes the XGBoost model to evaluate the personal credit risk of borrowers and the transaction price of existing housing,providing more reliable data for credit banks and custodial institutions for risk assessment.Finally,after completing system development,functional and performance tests were conducted.The stock housing fund custody system developed in this project has been officially deployed and launched in a certain city.Banks provide financial guarantee services for both buyers and sellers in transfer transactions through cooperation with regulatory authorities.The successful application of this project has expanded the transaction scale of customers,greatly improving the work efficiency of business personnel in custody banks and institutions,and promoting the healthy development of the real estate trading market.