JP2023110394A - Trust management device, trust management method, and program - Google Patents

Abstract

To provide a trust management device that secures the authenticity of stakeholders and achieves safe real estate transactions.SOLUTION: A trust management device of the present invention includes: a communication unit that receives identity information input by a plurality of stakeholders who are involved in a real estate transaction from different standpoints, and that receives authenticity information of the identity information from a public information server; a collation unit that collates the input information of the identity information with the authenticity information; and a storage unit that stores a result of collation by the collation unit.SELECTED DRAWING: Figure 4

Description

The present invention relates to a trust management device, a trust management method and a program.

In order to increase the convenience of real estate transactions, a mechanism to realize digitization and non-face-to-face transactions is being considered. For example, in Patent Document 1, "request transactions of real estate transaction business associated with three parties, sales and rental business owners, real estate brokerage companies, and third beneficiaries in real estate transactions, are requested using electronic information technology. Means for inputting and outputting information collection and distribution programs and related information databases installed by the main, intermediary business operators and third party beneficiaries by information communication technology, rewriting of information files, system for processing related calculations” is described ( Claim 1) of the same document.

Japanese Patent Application Laid-Open No. 2001-402278

Stakeholders in various positions are involved in real estate transactions, and a series of procedures is complicated. However, the identities of each stakeholder cannot be mutually confirmed. For example, between a real estate brokerage firm and a judicial scrivener, confirmation is not performed each time from the viewpoint of whether or not they possess qualifications. Therefore, if the judicial scrivener is impersonating, there is a risk that it will not be possible to find out. Even the buyer has no way of confirming the identity of the judicial scrivener himself, so there is no choice but to indirectly trust the judicial scrivener introduced by the real estate brokerage business and entrust the procedures. . In addition, in real estate transactions, the identity of the seller and the buyer is usually confirmed, but this method is no more than a visual confirmation of the identification card, and other corporations are not particularly confirmed.

An object of the present invention is to provide a trust management device, a trust management method, and a program that ensure the authenticity of stakeholders and realize safe and highly convenient real estate sales transactions.

In order to solve the above problems, a trust management device of the present invention accepts personal information entered by a plurality of stakeholders who are involved in a real estate transaction from different standpoints, and also receives authentic information of the personal information from a public information server. A communication unit, a collation unit that collates the input information of the personal information and the authenticity information, and a storage unit that stores the collation result of the collation unit.

Further, the trust management method of the present invention includes the steps of: receiving personal information entered by a plurality of stakeholders who are involved in a real estate transaction from different positions; receiving genuine information about the personal information from a public information server; and b. matching the input information of the information with the authentic information.

Furthermore, the program of the present invention includes the step of receiving personal information entered by a plurality of stakeholders involved in a real estate transaction from different positions in a trust management device, which is a computer, and authenticating the personal information from a public information server. A step of receiving and a step of collating the input information of the personal information and the authenticity information are executed.

According to the present invention, it is possible to provide a trust management device, a trust management method, and a program that ensure the authenticity of stakeholders and realize safe and highly convenient real estate sales transactions. Problems, configurations, and effects other than those described above will be clarified by the following description of the mode for carrying out the invention.

The figure which shows the structural example of the real estate sales transaction system which concerns on embodiment of this invention. FIG. 2 is a conceptual diagram showing exchange of information when proving the identity of each stakeholder; FIG. 2 is a conceptual diagram showing the exchange of information when proving the validity of a real estate transaction. The figure which shows the structural example of the trust management server which implement|achieves a real estate trading platform. FIG. 4 is a diagram showing the relationship of tables managed by the auxiliary storage device of the trust management server; FIG. 4 is a diagram showing an example of files (contract documents) temporarily stored for each folder in the auxiliary storage device of the trust management server; Flowchart showing the process in the real estate trading platform when the seller certifies trust. Flowchart showing the process in the real estate trading platform when the buyer certifies trust. A flow chart showing processing in a real estate trading platform when a real estate agent certifies trust. A flow chart showing processing in a real estate trading platform when a real estate brokerage company certifies trust. Flowchart showing processing in the real estate trading platform when a judicial scrivener certifies trust. A flow chart showing the processing in the real estate trading platform in the case of proving the validity of the property information input by the seller. A flow chart showing the processing in the real estate trading platform when proving the validity of the price assessed by the real estate broker. A flow chart showing processing when the real estate trading platform updates the status of each transaction process.

Embodiments of the present invention will be described below with reference to the drawings. The embodiments are examples for explaining the present invention, and are appropriately omitted and simplified for clarity of explanation. The present invention can also be implemented in various other forms. Unless otherwise specified, each component may be singular or plural.

FIG. 1 is a diagram showing a configuration example of a real estate transaction system according to this embodiment. As shown in FIG. 1, the real estate sales transaction system comprises a user terminal 1, an application server 2, a trust management server 3, and a public information server 4. Also, the user terminal 1 and the application server 2, the application server 2 and the trust management server 3, and the trust management server 3 and the public information server 4 are connected to each other via a network such as the Internet so as to be able to communicate with each other.

The user terminal 1 is a device such as a smart phone used by a user to register his/her own information. In addition, users are multiple stakeholders who are involved in real estate transactions from different standpoints. This includes judicial scriveners, etc. who carry out registration procedures for Further, the user terminal 1 may be installed with a program of an application related to real estate sales transactions (hereinafter referred to as a real estate sales transaction application) constructed by, for example, a real estate brokerage company.

The application server 2 is, for example, a server of a real estate transaction application owned or managed by a real estate brokerage company, stores information transmitted from the user terminal 1, and processes each process of the real estate transaction based on the transmitted information. By providing the necessary information to the user terminal 1, services related to real estate sales transactions are provided. In addition, transmission and reception of information between the user terminal 1 and the application server 2 may be performed via a real estate transaction application program installed in the user terminal 1, or may be performed via a web service provided by the application server 2. It may be done through

In response to a request from the application server 2, the trust management server 3 (trust management device) receives trust information, specifically, personal information that proves the identity of each stakeholder, validity information of real estate sales transactions, and the like. It is a server that provides and functions as a real estate trading platform. Identity proof information includes personal information (if the stakeholder is an individual, name, address, date of birth, etc.; if the stakeholder is a corporation, corporate number, registration information, license information related to business qualifications, administrative disposition history, etc.) is included. Validity information for real estate transactions includes whether the transaction itself is valid (for example, whether the appraised price is significantly different from the market price, or whether the price is unreasonable), whether the transaction process is The explanation includes information on whether the sales contract was concluded after obtaining the understanding of the parties). The trust management server 3 compares the personal information and the like received from the application server 2 with the personal information and the like received from the public information server 4 , stores the result of the comparison, and transmits the result to the application server 2 .

The public information server 4 refers to a server owned or managed by an administrative agency or the like, and there are a plurality of them. Each server stores a database capable of collating personal information, corporate number, license information, registration information, administrative disposition history information, real estate market price information, and the like. For example, personal information can be collated by the public information server 4 of each local government that stores driver's license data. Verification is possible with the public information server 4 of the ministry or the like. In this specification, such authentic information that is stored in the public information server 4 of an administrative agency or the like and whose reliability can be ensured is sometimes referred to as a trust anchor.

FIG. 2 is a conceptual diagram showing the exchange of information when proving the identity of each stakeholder.

Each stakeholder registers his/her own information using the user terminal 1 when accessing a predetermined real estate transaction application and trying to conduct a real estate transaction. At this time, the real estate trading platform (trust management server 3) cooperates with the real estate trading application to accept input information including the stakeholder's personal information and license information, and based on the input information, the public information server 4 to receive authentic information as a trust anchor. Furthermore, the real estate trading platform matches the input information with the authentic information, stores the matching result, and transmits it to the real estate trading application.

When registering their own information, the seller and the buyer enter the information of the identification card as personal information in the real estate transaction application. The real estate trading platform transmits the input information to the public information server 4 of the organization that manages the identification card, and confirms the validity of the identification card (details will be described later with reference to FIGS. 7 and 8). do). Identification cards include my number cards (personal number cards), driver's licenses, passports, residence cards, and the like.

For example, when a My Number card is used as an identification card, the real estate trading platform cooperates with J-LIS: the public information server 4 of the Local Government Information System Organization to check input information against authentic information. Also, when a driver's license is used as an identification card, the real estate trading platform cooperates with the public information server (license verification) 4 of the local government system and verifies the input information with authentic information. If the identification card is a passport, it is possible to read the information necessary for personal identification by reading the information on the IC chip mounted on the passport.

When registering his/her own information, the real estate agent enters not only the information on the identification card but also information such as the real estate business license number on the real estate sales transaction application. As in the case of the seller and the buyer, the real estate trading platform checks the input information of the identification card against the authentic information, and cooperates with the public information server 4 of the real estate agent search system managed by the Ministry of Land, Infrastructure, Transport and Tourism. Then, the real estate business license is collated (details will be described later with reference to FIG. 9).

When registering their own information, a real estate brokerage company inputs information such as a certified copy of a register, a corporate seal certificate, a corporate number, a history of administrative dispositions, etc., in addition to information on a real estate business license, using a real estate transaction app. As in the case of a real estate broker, the real estate trading platform checks real estate business licenses, as well as corporate numbers, registration information, and administrative disposition histories (details will be described later with reference to FIG. 10). When searching for corporate numbers, the real estate trading platform cooperates with the public information server 4 of the corporate number publication site managed by the National Tax Agency, and when searching for registration information, the public information server of the registration information provision service managed by the Ministry of Justice. 4, and when searching administrative disposition history, it cooperates with the public information server 4 of the negative information search site managed by the Ministry of Land, Infrastructure, Transport and Tourism.

When a judicial scrivener registers his/her own information, he/she enters information such as the name of the judicial scrivener association to which he/she belongs in addition to the information on his/her identification card in the real estate transaction app. The real estate trading platform checks the input information of the identification card against the authentic information, and cooperates with the public information server 4 of the judicial scrivener search site managed by the Japan Federation of Judicial Scrivener Associations to collect registration items as a judicial scrivener. (details will be described later with reference to FIG. 11).

By accessing the real estate trading app, each stakeholder can check the matching results of other stakeholders by the real estate trading platform. For example, the buyer can confirm that the counterparty is trustworthy by confirming the collation result of the seller or the judicial scrivener who is the counterparty of the transaction, and can conduct the transaction with peace of mind.

FIG. 3 is a conceptual diagram showing the exchange of information when proving the validity of a sales contract, which is an example of a real estate sales transaction. Here, explanations are given on the assumption that the validity of a sales contract is proved, but the validity of procedures in other real estate sales transactions is also proved in the same way.

When a seller intends to sell real estate, first, a real estate brokerage company guides the seller to the structure of a predetermined real estate transaction application. Following the guidance, the seller uses the user terminal 1 to register his/her own information and property information, as described with reference to FIG. When the registered personal information is confirmed (trust proof), the seller further inputs the property information of the real estate to be sold on the real estate transaction application, and the input information is sent to the real estate transaction platform. The real estate trading platform cooperates with the public information server 4 of the registration information provision service managed by the Ministry of Justice, and acquires the registration information (trust anchor) searched based on the input information (address, etc.), so that the property information is correct. and link the confirmation results with the real estate transaction app. In addition, the real estate trading platform acquires "information on various restrictions" for the area to which the property belongs from the public information server 4 of the system managed by the local government, and cooperates with the real estate trading application. In addition to the address, the property information entered by the seller includes information such as the property overview such as the floor plan, the certified copy of the registry, and the registered title certificate. Linked with a real estate transaction app. Details of processing by the real estate trading platform at the time of property information registration will be described later with reference to FIG. 12 . Hereinafter, the process up to conclusion of the sales contract will be described along (1) to (6) in FIG.

(1) Price Calculation and Information Coordination The real estate brokerage company calculates the price for the property information registered by the seller. The price calculated by the real estate broker is linked to the real estate trading platform connected to the real estate trading app and stored in the database of the real estate trading platform.

(2) Real estate price information collation Based on the address included in the property information, the real estate trading platform is managed by the public information server 4 of the comprehensive land information system managed by the Ministry of Land, Infrastructure, Transport and Tourism, or by the real estate distribution organization designated by the Ministry of Land, Infrastructure, Transport and Tourism. Market price information of the real estate that serves as a trust anchor is obtained from the public information server 4 of REINS Market Information. Furthermore, the real estate trading platform compares the price calculated by the real estate broker with the market price information of the real estate that serves as a transanchor, and checks for any large discrepancies. The details of the real estate price matching process in the real estate trading platform will be described later with reference to FIG. 13 .

(3) (5) Price indication The real estate brokerage business assesses the price of the real estate concerned based on the confirmation result of registration information and "information on various restrictions" linked to the real estate transaction application. The assessed price by the real estate broker is presented to the seller via the real estate transaction app. In addition, when the buyer wishes to purchase the property, the said price will also be presented to the buyer.

(4) Brokerage contract When the seller agrees to the appraisal price and decides to request a real estate brokerage business, a brokerage contract is concluded between the seller and the real estate brokerage business. It is sent to the real estate trading platform via the trading app. The real estate trading platform affixes the electronic signatures of the seller and the real estate brokerage to the brokerage agreement, and records that the transaction process of the brokerage contract has been properly completed.

(6) Important theory When a buyer intends to purchase real estate, he/she registers his/her personal information and property information using the user terminal 1 as explained in FIG. Communicate with the customer regarding the desired purchase property. After that, when the purchase property is decided, the real estate agent, who is a real estate broker, will explain important matters (relevant theory) to the buyer, and the information will be sent to the real estate trading platform via the real estate trading transaction app. be done. The real estate trading platform will attach the electronic signatures of the buyer and the real estate agent to the description of important matters to record that the critical transaction process has been properly completed.

(7) Sales contract When the theory is finished, finally, a sales contract is concluded between the seller and the buyer, and information on the sales contract is transmitted to the real estate trading platform via the real estate trading application. The sales contract information includes the identity verification information and property information of each stakeholder involved in the sales contract confirmed in FIG. The real estate trading platform affixes the electronic signatures of the seller, the buyer and the real estate broker to the sales contract, and records that the transaction process of the sales contract has been properly completed.

The real estate trading platform that plays a major role in the real estate trading system according to this embodiment will be described in detail below.

FIG. 4 is a diagram showing a configuration example of the trust management server 3 that implements the real estate trading platform. As shown in FIG. 4, the trust management server 3 includes a communication I/F 5, an input device 6, an output device 7, an arithmetic device 8, a main storage device 9, and an auxiliary storage device 10. are connected to each other via a bus.

The communication I/F 5 corresponds to a communication unit, and is an interface that communicates with the application server 2 and the public information server 4 via a network. For example, the communication I/F 5 receives input information of the person's information from the application server 2 and receives genuine information of the person's information from the public information server 4 . The input device 6 is specifically an input device such as a keyboard, and the output device 7 is specifically a monitor. The computing device 8 is specifically a processor such as a CPU, and performs computation according to a program stored in the main memory device 9 .

The main storage device 9 is specifically a memory, and the memory conceptually stores a program that realizes the functions of the collation unit 11, the table management unit 12, and the signature addition unit 13. FIG. As shown in FIG. 2, the collation unit 11 collates the input information and the authenticity information for the personal information registered by each stakeholder. Furthermore, the matching unit 11 includes information registered by each stakeholder (property information, appraisal price, etc.), information received from the public information server 4 serving as a trust anchor (registration information, real estate market price information, etc.), compare. The table management unit 12 creates a new table shown in FIG. 5, searches and updates records in the table, and the like. The signature adding unit 13 adds an electronic signature of a trust-certified stakeholder involved in the transaction process to a contract file or the like.

Note that the program may be provided by being pre-installed in a ROM or the like, provided by being recorded in a readable recording medium as a file in an installable or executable format, or distributed. Furthermore, the program may be provided or distributed by being stored on a computer connected to a network and downloaded via the network.

The auxiliary storage device 10 (storage unit) stores data including the collation results of the collation unit 11 separately in a table 14 and a contract file 15 . The table 14 records records related to properties and stakeholders associated with each contract. The contract file 15 includes contracts concluded in each transaction process for each property, identity verification documents of stakeholders, and the like. Incidentally, the auxiliary storage device 10 may be realized by an internal storage, or may be realized by an external storage such as an HHD or SSD.

Next, the structure of the database provided by the real estate trading platform will be explained. In this embodiment, as an example, it is assumed that the database of the real estate trading platform is built with a relational database.

FIG. 5 is a diagram showing the relationship of tables managed by the auxiliary storage device 10 of the trust management server 3. As shown in FIG. As shown in FIG. 5, a table of properties to be traded and a table of all stakeholders are linked to a common contract table. In FIG. 5, the line connecting each table is basically 1:1, but if the seller is a landlord or the like, he or she may own multiple properties. is not limited to 1:1. In FIG. 5, it is assumed that the seller and the buyer have a common real estate broker, but the seller's real estate broker and the buyer's real estate broker may be different.

The seller and buyer tables record personal information such as names and addresses, as well as records related to trust-certified flags and the number of transactions. Here, the trust-certified flag is a flag indicating that identity verification using an identification card or the like as described with reference to FIG. 2 has been completed. Moreover, the number of transactions is the number of times a real estate transaction is performed using the real estate transaction application as described in FIG. The purpose of recording the number of transactions is to whitelist based on the track record of trust certification, so that, for example, when it is possible to confirm that the trust has already been certified at the time of the next and subsequent transactions, the confirmation process can be skipped. is. Similar to the table of sellers and buyers, the real estate broker and judicial scrivener tables record personal information, trust certification flags, transaction counts, license information, and other records. In the table of real estate brokers, records such as a corporate number as personal information, real estate business license information, a trust certification flag, the number of transactions, and the like are recorded. Records such as an address, an overview of the property, and the results of matching with registration information are recorded in the property table.

In the contract table, there are brokerage contract, preview, home loan advance application, purchase application, explanation of important matters, judicial scrivener consultation, sales contract, home loan application, examination result confirmation & notification, money consumption loan contract / mortgage setting contract , loan execution, transfer, transfer confirmation, deregistration application, ownership transfer registration application, etc. are recorded. When the predetermined transaction process is executed, the record of the status of the predetermined transaction process in the table is updated to completed in cooperation with the real estate transaction application.

Each table has its own ID set as a primary key. For example, in the table of sellers, the seller ID is defined as the primary key. For this reason, even if the seller has the same surname and the same name, if the seller ID is different, it is possible to sort them out as different persons. Furthermore, in the contract table, in addition to the contract ID, the ID of each table is set as a foreign key.

Here, since it is difficult to manage all information related to real estate sales transactions in a table, information other than the information described in FIG. 5, such as contract files, is managed separately for each folder. FIG. 6 is a diagram showing an example of files (contract documents) temporarily stored for each folder in the auxiliary storage device 10 of the trust management server 3. As shown in FIG.

As shown in FIG. 6, a large folder named contract file contains medium folders for a list of sellers, a list of buyers, a list of real estate agents, a list of real estate brokers, a list of judicial scriveners, and a list of properties. Each listing medium folder contains all stakeholders involved in the transaction registered and trusted on the real estate trading platform, as well as a sub-folder containing information about the property.

The middle folder of the seller list contains small folders for each seller ID, such as seller A, seller B, and so on. In the small folder for each seller ID, files such as an identification card, my number card information, and a seal impression certificate representing personal information registered by each seller and used for trust proof are stored.

The middle folder of the list of buyers includes small folders for each buyer ID, such as buyer A, buyer B, and so on. In the sub-folder for each buyer ID, each buyer has registered personal information such as identification card, my number information, seal certificate etc. used for trust proof, as well as income confirmation documents, withholding slips, residents Tax determination notice, tax return, tax payment certificate, resident card, payment method, loan examination result, transfer completion notice, bank account passbook, job resume, etc. All necessary for each procedure in a series of real estate transactions files are also stored.

The middle folder of the real estate agent list contains small folders for each real estate agent ID, such as real estate agent A, real estate agent B, . In the sub-folders for each real estate agent ID, each real estate agent has registered, and in addition to the identification card representing the personal information used for trust certification, my number information, seal certificate, etc., the real estate business license , license expiration date information and other files are also stored.

The middle folder of the list of real estate brokerage companies includes small folders for each real estate brokerage company ID, such as real estate brokerage company A, real estate brokerage company B, . In the sub-folder for each real estate broker ID, a certified copy of the register representing the personal information registered by each real estate broker and used for trust certification, corporate seal certificate, real estate business license, license expiration date Files such as information and administrative disposition history are also stored.

The medium folder of the list of judicial scriveners includes small folders for each judicial scrivener ID, such as judicial scrivener A, judicial scrivener B, and so on. In the sub-folder for each judicial scrivener ID, each judicial scrivener ID registers personal information that represents the person's information used for trust certification, personal number information, seal certificate, etc. In addition, job seal certificate, judicial scrivener member Files such as certificates are also stored.

The middle folder of the property list contains small folders for each property ID, such as property A, property B, . . . . In the small folder for each property ID, there are brokerage contracts, registered title certificates, registry information, detailed drawings of the site, land readjustment, appraisal prices, advertising activity reports, fixed asset evaluation certificates, registration identification information, Management agreement, property status report, loan certificate, sale agreement, registration cause proof information, deed of agency authority, power of attorney for deregistration, power of attorney for registration of ownership transfer, money cancellation contract and mortgage setting contract, sales and purchase Stores various files that constitute property information required for real estate transactions, such as contracts, deeds of payment, and registration applications (cancellation/transfer).

Next, specific processing in the real estate trading platform for proving the identity of each stakeholder will be described with reference to FIGS. 7 to 11. FIG.

FIG. 7 is a flow chart showing the process in the real estate trading platform when the seller certifies trust. First, when the seller inputs the personal information into the real estate transaction application, the communication I/F 5 of the real estate transaction platform shown in FIG. 4 receives the input information via the application server 2 (step S101). Next, the table management unit 12 of the real estate trading platform shown in FIG. 4 searches for records in the seller table shown in FIG. 5 (step S102), and determines whether or not there is a record (step S103). If it is determined that there is no record, the seller will attempt trust certification for the first time, so the table management unit 12 creates a new seller ID (step S104).

Next, the communication I/F 5 receives from the application server 2 the reading information of the IC chip embedded in the seller's identification card. Here, the seller may read the IC chip of the identification card with a short-range wireless communication function, etc. installed in his/her own smartphone, or the seller may go to the store of the real estate brokerage company and read it with a dedicated device. can be If a personal identification number is required when reading the IC chip, the seller himself/herself inputs the personal identification number.

When the identification card to be read is a My Number card, the communication I/F 5 acquires four basic information included in the signature electronic certificate, namely name, address, gender and date of birth (step S105). Then, the communication I/F 5 requests the J-LIS public information server 4 to verify the validity of the signature electronic certificate (step S106), and the J-LIS public information server 4 sends the electronic signature Send the verification result of the certificate to the real estate trading platform. If the electronic certificate for signature is valid, the matching unit 11 of the real estate trading platform shown in FIG. is collated (step S107). Here, if the validity of the property information is also confirmed at the time of the seller's trust certification, the details will be described later with reference to FIG. The name of the owner and the name of the owner in the registry are also checked to see if they match.

Also, when the identification card to be read is a driver's license, the communication I/F 5 acquires the registered domicile, name, address and photograph of the face as personal information (step S108). Then, the communication I/F 5 requests the public information server 4 of the local government to verify the validity of the personal information (step S109), and the public information server 4 of the local government sends the verification result of the personal information to the real estate trading platform. Send. When the personal information is valid, the verification unit 11 of the real estate trading platform verifies whether or not the input information of the personal information received in step S101 matches the read information obtained in step S108 (step S107). .

Furthermore, if the identification card to be read is a passport, the communication I/F 5 acquires the name, nationality, date of birth, passport number, and facial photograph as personal information (step S110). In the case of a passport, without requesting verification to the public information server 4, the verification unit 11 verifies whether or not the input information of the personal information received in step S101 matches the read information acquired in step S110. (step S107). The identification card used for trust certification is not limited to my number card, driver's license and passport, and may be a residence card or the like.

If it is determined in step S107 that the input information and the read information do not match, there is a possibility that the seller has been impersonated. Update (step S111), and terminate the trust certification process.

On the other hand, if it is determined in step S107 that the input information and the read information match, the seller's authenticity can be ensured. ” (step S112). Next, the table management unit 12 increments the value of the number of transactions in the record associated with the seller ID (step S113), and ends the trust certification process.

If it is determined that the record exists in step S103, the seller has attempted trust certification in the past, so the table management unit 12 checks the trust certification flag of the record linked to the seller ID ( step S114). If the trust-certified flag is "0", it has already been determined that the seller is likely to be impersonated, so the trust certification process ends.

If the trust-certified flag is "1", the authenticity of the seller has already been secured, and the matching of the personal information by the identification card is skipped. In this case, in step S113, the value of the number of transactions in the record associated with the seller ID is incremented. The number of transactions in the seller table increases each time the seller conducts a real estate transaction using the real estate transaction application. In the flowchart of FIG. 7, when the trust-certified flag is "1", verification of personal information is skipped regardless of the number of transactions.

FIG. 8 is a flow chart showing the process in the real estate trading platform when the buyer certifies trust. When the buyer certifies trust, basically the same processing as in the case where the seller certifies trust shown in FIG. 7 is performed. However, in the case of the buyer, since confirmation of the validity of the property information is not necessary, in step S207, collation is performed only to see if the input information of the person in question matches the read information.

FIG. 9 is a flow chart showing the processing in the real estate trading platform when the real estate broker certifies trust. When a real estate agent certifies trust, not only verification of personal information but also verification of real estate business license data is performed. The process for collating personal information is basically the same as the case where the seller shown in FIG. 7 or the buyer shown in FIG. 8 certifies trust. However, in the case of a real estate broker, if it is determined in step S307 that the input information of the real estate agent and the read information match, the table management unit 12 associates the real estate agent ID with the real estate agent information, and The flag is updated (step S312). At this stage, the trust-certified flag is not updated, and data collation of the real estate business license is continued (steps S313 to S317).

First, the table management unit 12 registers the input data such as the name and the real estate license number received in step S301 in the record associated with the real estate engineer ID (step S313). Next, the communication I/F 5, based on the name of the real estate agent, retrieves the real estate business license number, etc., which serves as a transanchor, from the public information server 4 of the real estate agent search system managed by the Ministry of Land, Infrastructure, Transport and Tourism. get. Then, the matching unit 11 matches the input information such as the real estate license number with the transanchor (step S314).

In step S314, if the real estate agent license number and the like do not match, there is a possibility that the real estate agent is impersonating the real estate agent. (step S311), and the trust certification process ends.

On the other hand, in step S314, when the real estate business license number and the like match, the verification unit 11 confirms whether or not the real estate business license is valid (step S315). If it is not within the valid period, the real estate engineer is unlicensed. Therefore, the table management unit 12 updates the trust-certified flag of the record linked to the real estate engineer ID to "0" (step S311), and the trust certification is completed. End the process. If it is within the valid period, the authenticity of the real estate broker has been secured, so the table management unit 12 updates the trust-certified flag of the record linked to the real estate broker ID to "1" (step S316). Furthermore, the table management unit 12 increments the value of the number of transactions in the record linked to the real estate broker ID (step S317), and ends the trust certification process.

If it is determined that the record is "present" in step S303, the real estate broker has attempted trust certification in the past. is confirmed (step S318). If the trust-certified flag is "0", it has already been determined that there is a possibility of impersonation of the real-estate engineer, so the trust certification process ends. On the other hand, if the trust-certified flag is "1", verification of the personal information by the identification card is skipped. However, even if the trust-certified flag is "1", the verification of data on the real estate business license is performed each time a real estate transaction is made. legal transactions can be guaranteed.

FIG. 10 is a flow chart showing the processing in the real estate trading platform when the real estate brokerage company certifies trust. First, when a real estate brokerage business operator inputs personal information into a real estate transaction application, the communication I/F 5 of the real estate transaction platform receives the input information via the application server 2 (step S401). Next, the table management unit 12 of the real estate trading platform searches for a record in the real estate brokerage table shown in FIG. 5 (step S402), and determines whether or not there is a record (step S403). If it is determined that there is no record, the real estate brokerage firm attempts trust certification for the first time, so the table management unit 12 newly creates a real estate brokerage firm ID (step S404).

Next, the table management unit 12 registers the input data received in step S401, such as the corporate number, administrative disposition history, registration information, real estate business license number, etc., in the record linked to the real estate broker ID (step S405).

The communication I/F 5 acquires a corporate number that serves as a transanchor from the public information server 4 of the corporate number publication site managed by the National Tax Agency based on the name of the real estate brokerage company. Then, the matching unit 11 matches the input information of the corporate number with the transanchor (step S406).

Further, the communication I/F 5 acquires the administrative disposition history serving as a transanchor from the public information server 4 of the negative information search site managed by the Ministry of Land, Infrastructure, Transport and Tourism based on the name of the real estate brokerage company. Then, the collating unit 11 matches the input information of the administrative disposition history with the transanchor (step S407).

Moreover, communication I/F5 acquires the registration information used as a transanchor from the public information server 4 of the registration information provision service which the Ministry of Justice manages based on a real-estate brokerage company name. Then, the matching unit 11 matches the input information of the registration information with the transanchor (step S408).

Furthermore, the communication I/F 5 acquires a real estate brokerage license number, which serves as a transanchor, from the public information server 4 of the real estate broker search system managed by the Ministry of Land, Infrastructure, Transport and Tourism, based on the name of the real estate brokerage company. . Then, the matching unit 11 matches the input information of the real estate license number with the transanchor (step S409).

As a result of matching in steps S406 to S409, if any of them do not match, the table management unit 12 updates the trust-certified flag of the record linked to the real estate broker ID to "0" (step S410). End the certification process.

On the other hand, if all match in step S409, the collation unit 11 checks whether or not the real estate license is valid (step S411). If not within the expiration date, the table management unit 12 updates the trust-certified flag of the record linked to the real estate broker ID to "0" (step S410), and ends the trust certification process. If it is within the expiration date, the table management unit 12 updates the trust-certified flag of the record linked to the real estate broker ID to "1" (step S412). Furthermore, the table management unit 12 increments the value of the number of transactions in the record linked to the real estate broker ID (step S413), and ends the trust certification process.

If it is determined that the record exists in step S403, the table management unit 12 checks the trust-certified flag of the record associated with the real estate broker ID (step S414). If the trust-certified flag is "0", the trust certification process is terminated. On the other hand, if the trust-certified flag is "1", matching of personal information is skipped. However, even if the trust-certified flag is "1", the verification of data on the real estate business license is performed each time a real estate transaction is made. legal transactions can be guaranteed.

FIG. 11 is a flowchart showing processing in the real estate trading platform when a judicial scrivener certifies trust. When a judicial scrivener certifies trust, not only the personal information is verified but also the registered data as the judicial scrivener is verified. The process for verifying the personal information is basically the same as the trust certification by the seller shown in FIG. 7, the buyer shown in FIG. 8, and the real estate broker shown in FIG. Next, the registration data as a judicial scrivener is collated (steps S513 to S516).

First, the table management unit 12 registers the input data such as the name and the name of the judicial scrivener association received in step S501 in the record associated with the judicial scrivener ID (step S513). Next, the communication I/F 5 acquires registration items to be a transanchor from the public information server 4 of the judicial scrivener search site managed by the Japan Federation of Judicial Scrivener's Associations based on the name of the judicial scrivener. Then, the matching unit 11 matches the input information such as the name of the judicial scrivener with the transanchor (step S514).

In step S514, if the items registered as a judicial scrivener do not match, there is a possibility that the judicial scrivener has been impersonated, so the table management unit 12 updates the trust-certified flag of the record linked to the judicial scrivener ID to "0". (step S511), and the trust certification process ends.

On the other hand, in step S514, if the items registered as a judicial scrivener match, the authenticity of the judicial scrivener can be secured, so the table management unit 12 sets the trust-certified flag of the record linked to the judicial scrivener ID to "1". Update (step S515). Furthermore, the table management unit 12 increments the value of the number of transactions in the record associated with the judicial scrivener ID (step S516), and ends the trust certification process.

If it is determined that the record is “present” in step S503, the judicial scrivener has attempted trust certification in the past. (step S517). If the trust-certified flag is "0", it has already been determined that the judicial scrivener is likely to be impersonated, so the trust certification process ends. On the other hand, when the trust-certified flag is "1", matching of the personal information by the identification card is skipped.

Next, specific processing when the real estate trading platform provides the validity information of the real estate trading transaction will be described. Specifically, authenticity certification of information related to transactions will be described with reference to FIGS. 12 and 13, and certification of the transaction process will be described with reference to FIG.

FIG. 12 is a flow chart showing the processing in the real estate trading platform in the case of verifying the validity of the property information input by the seller. First, when the seller inputs new property information using the real estate trading application, the communication I/F 5 of the real estate trading platform acquires the input information via the application server 2 (step S601). Next, the table management unit 12 of the real estate trading platform creates a new property ID and registers the input information acquired in step S601 in the record associated with the property ID (step S602).

After that, the communication I/F 5 receives registration information serving as a transanchor from the public information server 4 of the registration information providing service managed by the Ministry of Justice based on the input information (address, etc.) of the property (step S603). Then, the collation unit 11 collates the input information of the property information with the transanchor, and the table management unit 12 registers the collation result in the record associated with the property ID (step S604).

Further, the communication I/F 5 receives "information on various restrictions" from the public information server 4 of the system managed by the local government based on the input information of the property (step S605). Then, the table management unit 12 registers the received "information on various restrictions" in the record associated with the property ID (step S606).

The matching result registered in step S604 and the "information on various restrictions" registered in step S606 are transmitted to the application server 2 via the communication I/F 5 and linked with the real estate transaction application ( step S607).

By the above-described processing shown in FIG. 12, other stakeholders can confirm the validity of the property information presented by the seller.

FIG. 13 is a flow chart showing the processing in the real estate trading platform when proving the validity of the price assessed by the real estate broker. First, when a real estate agent inputs an appraisal price for a property using a real estate transaction application, the communication I/F 5 of the real estate transaction platform acquires the appraisal price via the application server 2 (step S701). Next, the table management unit 12 of the real estate trading platform registers the assessed price acquired in step S701 in the record associated with the property ID (step S702).

After that, the communication I/F 5 receives price market information of the real estate to be the transanchor from the public information server 4 such as the comprehensive land information system managed by the Ministry of Land, Infrastructure, Transport and Tourism, based on the address of the record linked to the property ID. (step S703). Then, the collation unit 11 compares the assessed price with the market price, and the table management unit 12 registers, for example, the price difference as the comparison result in the record associated with the property ID (step S704). If the price difference is equal to or greater than a certain value, it can be determined that the assessed price is inappropriate. It should be noted that only the judgment result as to whether or not the appraisal price is appropriate may be registered in the record associated with the property ID.

Next, specific processing in the real estate trading platform when validating the validity of the transaction process will be described with reference to FIG. 14 . FIG. 14 is a flow chart showing processing when the real estate trading platform updates the status of each transaction process.

First, when a predetermined transaction process occurs in the real estate trading application, the communication I/F 5 of the real estate trading platform receives transaction occurrence information via the application server 2 (step S801). Next, the table management unit 12 of the real estate trading platform searches for records in the contract table shown in FIG. 5 (step S802), and determines whether or not there is a record (step S803).

If it is determined that there is no record, the table management unit 12 creates a new contract ID (step S804). Next, the table management unit 12 registers related stakeholders (seller ID, buyer ID, real estate broker ID, real estate broker ID and judicial scrivener ID) and property (property ID) in the record linked to the contract ID. (step S805). Furthermore, the table management unit 12 updates the status of the target transaction process linked to the contract ID to completed, and the signature attachment unit 13 shown in FIG. , in the case of an intermediation contract, the electronic signatures of the seller and the real estate broker) are added to the contract file (step S806).

If it is determined that the record exists in step S803, the corresponding contract ID already exists and related stakeholders have already been registered, so steps S804 and S805 are skipped and step 806 is executed. .

Since the above-described processing shown in FIG. 14 is repeated for the same contract ID each time the transaction process progresses, it is possible to visualize to what stage the transaction process has been completed. Therefore, each stakeholder can ensure that the predetermined trading process is being executed in a timely manner. In addition, since each transaction process is electronically signed by a stakeholder involved, it is possible to prove the certainty of each transaction process.

According to the present embodiment described above, in addition to ensuring the authenticity of the stakeholder, the reliability of the transaction itself can be ensured, and information can be linked electronically between all stakeholders. It is possible to achieve both

In this embodiment, the stakeholders are explained as the seller, the buyer, the real estate broker, the real estate brokerage firm, and the judicial scrivener, but they are not limited to these. For example, the stakeholder may include a bank that conducts mortgage screening. This is because banks are not in a position to certify their own trust, but they are in a position to confirm the identities of other stakeholders and to confirm the validity of transaction details and transaction processes. According to this embodiment, the bank does not only rely on information such as the sales contract provided by the real estate broker, but also checks whether the appraisal price does not deviate from the market price, whether important matters have been explained, etc. It is possible to make an accurate decision on financing by also considering the information. Furthermore, transactions are not limited to buying and selling real estate, but may include real estate rental. In this case, lenders and borrowers are also included in stakeholders.

DESCRIPTION OF SYMBOLS 1... User terminal 2... Application server 3... Trust management server 4... Public information server 5... Communication I/F 6... Input device 7... Output device 8... Arithmetic device 9... Main storage device , 10... Auxiliary storage device, 11... Verification unit, 12... Table management unit, 13... Signature attachment unit, 14... Table, 15... Contract file

Claims (10)

a communication unit that receives personal information entered by a plurality of stakeholders who are involved in a real estate transaction from different standpoints and that receives genuine information about the personal information from a public information server;
a collation unit for collating the input information of the person himself/herself with authentic information;
a storage unit that stores the result of matching by the matching unit;
A trust management device with The trust management device according to claim 1,
The communication unit receives the personal information from an application server that transmits and receives information for real estate transactions with the terminal of the stakeholder,
A trust management device in which a trust certification flag is recorded in the storage unit when the input information of the person in question matches the authenticity information, and the number of transactions is incremented when a real estate transaction is executed. . In the trust management device according to claim 2,
A trust management device in which, when the trust-certified flag is recorded, the matching of the personal information is skipped. The trust management device according to claim 1,
In the case of a stakeholder who is required to hold a license or qualification for business performance, the collation unit not only collates the personal information, but also collates the license information. The trust management device according to claim 1,
The communication unit receives property information from an application server that transmits and receives information for real estate sales transactions to and from terminals of stakeholders including sellers,
The collation unit is a trust management device that collates at least the property information with registration information received from the public information server. The trust management device according to claim 1,
The communication unit receives an appraisal price from an application server that transmits and receives information for real estate sales transactions to and from terminals of stakeholders including real estate brokers,
The collation unit compares at least the assessed price with real estate market price information received from the public information server. In the trust management device according to claim 2,
A trust management device in which, when a predetermined transaction process is executed by the stakeholder for which the trust-certified flag is recorded, the status of the transaction process is recorded as completed in the storage unit. In the trust management device according to claim 7,
Further comprising a signature granting unit that grants an electronic signature of the stakeholder involved in the transaction process, who is the stakeholder in which the trust-certified flag is recorded;
A trust management device in which the data of the transaction process to which the electronic signature is attached by the signature attachment unit is stored in the storage unit. A trust management method by a trust management device,
a step of accepting personal information entered by a plurality of stakeholders who are involved in a real estate transaction from different standpoints;
a step of receiving authentic information of said personal information from a public information server;
A step of matching the input information of the personal information with authentic information;
A trust management method with The trust management device, which is a computer,
a step of accepting personal information entered by a plurality of stakeholders who are involved in a real estate transaction from different standpoints;
a step of receiving authentic information of said personal information from a public information server;
A step of matching the input information of the personal information with authentic information;
program to run.

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