Document management in the rental market is a critical process to ensure the accuracy of financial transactions and regulatory compliance in the sector. In Portugal, the challenges include the complexity of legislation, particularly GDPR non-compliance, lack of transparency, and bureaucratic process inefficiency. With this in mind, a solution based on Hyperledger Fabric, a blockchain platform, is presented for the implementation of a document management system for the rental process. This system oversees the rental process, which consists of three phases: the application for a property by the prospective tenant through the upload of necessary documents, acceptance/rejection by the landlord of various received applications, and the creation of a report by the system, which only the auditor can request and view. The system smart contract records metadata associated with the documents (hash, owner) and coordinates requests for file access by landlords to prospective tenants. Thus, the system is responsible for creating immutable and traceable records of the entire process. The underlying platform serves as the foundation for conducting future audits. After the landlord verifies the files and accepts the rental proposal, any authorised auditor can request a report for a property by accessing the records through the final report, which includes all events that occurred during the process.
翻译:租赁市场中的文档管理是确保该领域金融交易准确性和监管合规性的关键过程。在葡萄牙,挑战包括立法的复杂性(尤其是不符合GDPR要求)、缺乏透明度以及官僚流程的低效。基于此,本文提出一种基于区块链平台Hyperledger Fabric的租赁流程文档管理系统。该系统监督租赁过程,包含三个阶段:潜在租户通过上传必要文件申请房产、房东对收到的申请进行接受/拒绝、以及系统生成仅审计员可请求和查看的报告。系统智能合约记录与文档相关的元数据(哈希值、所有者),并协调房东向潜在租户的文件访问请求。因此,该系统负责创建整个过程的不可篡改且可追溯的记录。底层平台作为未来审计的基础。在房东验证文件并接受租赁提议后,任何授权审计员均可通过最终报告(包含过程所有事件)访问记录,从而为某一房产请求审计报告。