JPH10301992A - Batch processing system for security of real estate - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a real estate security batch processing system capable of optionally turning collaterals and their evaluation amounts, properly evaluating the collaterals, driving the excess evaluation of securities inducing 'bubble economy', and supporting sound financing operation. SOLUTION: The system defines security right and claims including specific collaterals (1), parties concerned (2) and the order of all collaterals as an index part, defines various necessary items in a data file for the parties concerned, an object data file and a security right/claim data file as a data part, prepares the right relation of a real estate registry as a data base by the following order. The order is [1] 1st key (1), 2nd key (2), 3rd key (3), [2] 1st key (1), 2nd key (3), 3rd key (2), [3] 1st key (2), 2nd key (1), 3rd key (3), [4] 1st key (2), 2nd key (3), 3rd key (1), [5] 1st key (3), 2nd key (1), 3rd key (2), [6] 1st key (3), 2nd key (2), 3rd key (1).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit check for a debtor and a collateral provider for a bank loan using a computer and various other financial institutions, or a security check.
Evaluation, simulation of collateral amount and valuation amount, determination of collateral properties, and the results are directly inserted into the user-created mortgage setting contract pattern, etc.
A real estate collateral batch processing system intended to build a database and use the data for artificial intelligence (AI) in order to create a proxy and collectively create loans and facilitate loans by various financial institutions such as bank loans. .

[0002]

2. Description of the Related Art For a long time, financing by various financial institutions, including bank financing, is almost always performed by handwriting on paper dedicated to collateral properties established by each bank. Therefore, if there is a change in the collateral, all properties, all valuations, owners, and claims must be rewritten. Also, if additional collateral arises at a later date, the collateral table must be rewritten in the same manner when the amount is extremely increased or various changes are made.

In recent years, there have been cases where the above-mentioned dedicated paper has been word-processed and necessary items have been input, but this is not sufficient.
The collateral valuation was simply determined by human judgment based on past prices, so there was a drawback in that it was quick and accurate. In many cases, real estate is evaluated by real estate appraisers. In some cases, a computer is used to register individual security types and the like for each debtor. However, although a rudimentary security list display function that creates only a property table can be seen, the fact is that the data is not directly used in contracts and the like as data necessary for loan operations.

[0004] Although the debtor is registered in the computer, the joint guarantor merely registers the debtor supplementarily. Collateral-provided properties, owners, debtors, and co-guarantors are not collectively processed at the same level. Also, even if the owner is specified, it is not possible to search all the properties. In addition, the contractor lacked accuracy and speed because the contract for setting the security interest was written by hand or by word processing.

[0005] The search by name may be partially executed by the host computer, but cannot respond to a change in name such as marriage or adoption. For real estate collateral such as land and buildings, the prices evaluated in the past are manually entered on a map and used as reference materials for the next evaluation, but they lack accuracy and speed. The actual situation is that the security right setting agreement, the security setting registration application, and the power of attorney are handwritten.
Registration documents and notarized documents that require strictness are prepared specially, making it difficult to prepare them promptly.

[0006] Reviewing the collateral evaluation every few years takes an enormous amount of time. The application for the real estate transcript and the re-evaluation are, of course, handwritten. Creation of content certificates such as notices and notices of loss of time limit profits are handwritten,
The fact is that they are working overtime. Furthermore, due to the manual operation, due date management such as aging of receivables cannot be performed, and sometimes a major problem may occur.

[0007]

SUMMARY OF THE INVENTION The present invention has been made in view of the above points, and freely valuates a collateral with a collateral. As a result, the collateral is appropriately evaluated and a bubble economy is induced. An object of the present invention is to provide a real estate security batch processing system that can eliminate the overestimation of the secured security and support a healthy financing business. It is also an object of the present invention to enable accurate and prompt creation of a collateral table, thereby including risk hedging,
The loan can be executed immediately. Further marriage,
The purpose is to prevent intentional fraudulent financing of the same person by adoption-related reform.

[0008] A simulation for determining a collateral property can be performed, thereby automatically creating a collateral property table and necessary documents, thereby greatly reducing the time and significantly reducing the overtime hours of a loan officer such as a banker. It is something that can be done. Simple processing can be performed without performing complicated operations, quick judgment and evaluation of collateral evaluation by comparison and examination can be realized, and the cost required for judgment and evaluation can be reduced. Therefore, even if the person in charge changes, there is no significant difference in evaluation, and fraudulent officers can be prevented.

[0009] In addition, since the necessary documents that are freely registered can be automatically created, a revolutionary business revolution can be brought about in loan business. In addition, it is useful to search for properties by owner name in terms of financing strategy. A list of debtors, joint guarantors, and property owners can be displayed and linked to the property, fraud can be found, and fraudulent lending by the same person on purpose can be prevented. Reviewing the collateral evaluation every few years, which used to take an enormous amount of time, is a simple task that will lead to revolutionary changes. In addition, the creation of content certificates and the like such as notices and notices of loss of profits on time limits can be released from handwriting. In addition, it enables the management of the due date of receivables.

[0010]

The real estate collateral processing system according to the present invention uses a computer screen input to index a security interest and a bond including a specific security real estate, a party, and the order of all security interests. Department and
Party data file, property data file, security right
Various necessary items in the receivables data file are used as a data part, and the right relationship of the real estate register is created as a database in the following order, and the security right is collectively processed. (1) First key Second key Third key (2) First key Second key Third key (3) First key Second key Third key (4) First key Second key Third key (5 ) First key Second key Third key (6) First key Second key Third key

Further, the real estate collateral processing system according to the present invention ranks the key by the name of the party at the top of the name part, ranks the date of birth, gender, and Mr. It is intended to identify the parties by overcoming the obstacles caused by such factors.

Further, in the real estate collateral processing system according to the present invention, the evaluation of the collateral property is performed by key input based on the administrative area such as a large area, and the price evaluated in the past, the published price, and the standard price of the prefectural reference land , Automatically extract transaction cases, auction prices, real estate appraiser prices, etc., set pricing conditions, extract price examples according to the criteria set by the lending financial institution, And the average unit price is corrected to determine the evaluation unit price of the collateral.

Further, the real estate collateral processing system according to the present invention automatically inserts the data of the above-mentioned database into a document arbitrarily created by a user in advance, and obtains a security right setting contract, a security setting registration application, The required documents, including the real estate registration power of attorney and the notarial power of attorney, are created automatically and collectively.

The real estate collateral processing system according to the present invention automatically prints a real estate certified grant application form, prints the evaluation and evaluation conditions of the application secured property on an OCR sheet, writes only the changed portion, and writes the changed data. As the new data, and the batch change processing of the input database is performed.

Further, in the real estate collateral processing system according to the present invention, when the debtor is in excess of debt, the automatic insertion printing of the certificate of contents of the claim for debt reconciliation and the date management such as the aging of the receivable. It is intended to be.

[0016]

[Function] When financing, from a specific collateral property that evaluates collateral, from a party such as a debtor or collateral provider, or from a collateral and credit including the order of all collateral, real estate property that meets the given conditions In order to automatically extract the security right and display the property list on the screen, put three types of indexes on the same property and try to evaluate the ranking number, registration office reception number, legal due date of taxes and public dues You can easily display and understand the total value of the collateral valuation of the collateral. This makes it possible to simulate the acquisition of collateral.

The security right is displayed in a short time in a form suitable for the purpose by the database created in claim 1. The credit check of the debtor and the guarantor puts the name at the top of the key of the database, and the past data can be easily referred from the date of birth, gender, etc. The objective document can be automatically printed by the purpose security determination and the automatic insertion technology. By the first printing of the morning,
It becomes possible to manage the statute of limitations on receivables and the due date of reminders.

By indexing the keys by the names of the obligor and collateral provider by ranking the name part at the top, by date of birth, gender, registration number, etc., and by tail at the end In addition, it is possible to overcome obstacles in which identification of a person cannot be determined due to marriage or the like.

With respect to the evaluation of collateral properties, it is possible to collect comparatively the prices or published prices evaluated in the past, the reference prices announced by the prefecture, examples of sales, auction prices, appraiser prices, etc., using large letters as keys. Can accumulate the results of lending during banking operations. At a later date, price determination conditions are set, and the introducing bank extracts and displays a list of price examples based on its own criteria. In addition, the extracted individual data is corrected,
Determine the unit price promptly with reference to the average unit price. This enables a quick decision.

In advance, a bank or the like accumulates documents considered to be necessary as an arbitrary pattern, automatically inserts the contents of the security determined by the above evaluation, obtains a security right setting contract, a security setting registration application, a registration power of attorney. , And automatically create all necessary documents up to the notarial power of attorney.

In order to review the collateral that has been acquired every few years, a real estate transcript application form is automatically printed every few years based on the collateral data accumulated as described above, based on the internal rules of the bank. The evaluation and the evaluation conditions of the previously applied property are printed on the OCR paper, and the bank clerk conducts a necessary investigation again, writes only the changed portion, and directly processes the OCR paper as change data in the input database.

In the event that the debtor has exceeded the debt, it begins with the delivery of a letter of notice in a normal sealed letter, a letter of notice with a certificate of contents, and a letter of notice with a certificate of the loss of the profit for the term, etc. Automatically insert print and manage the date of statute of limitations on receivables.

[0023]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram of a real estate collateral processing system of the present invention, and FIG. 2 is a processing flow of the system. FIG. 3 is a processing flow of the system showing the relationship between the central processing unit, the file device, the main memory, and the input / output device. The security batch processing program is read into the CPU. The property data to be executed this time, the party data, and the security / receivable data are written from the CPU to the output device. Set the read property data as reference data for evaluation. The relevant data such as the land unit price evaluation file to be secured is read out and listed on the display. From this list display, the final price is determined in consideration of the correction conditions. Set the final price in the collateral data. List collateral. Read necessary document data from the input device. Various necessary documents such as a collateral / receivable list display table are output from the output device. Then, necessary documents are printed.

FIG. 4 shows an example of a processing table on the screen obtained by the real estate collateral collective processing. Case number, case name, owner, number of properties, number of collateral, security content, collateral, debtor, amount of collateral, guarantor, type of collateral, location, lot number, house number, ranking number, standard collateral property evaluation Total, first-order collateral amount, collateral capacity, partial erasure property total,
Items such as the total value of additional collateral valuations and the remaining capacity after additional or partial elimination are displayed in a list.

FIG. 5 is a list showing evaluation extraction conditions displayed on the screen. It describes the extraction institution, used area, present location, actual unit price evaluation criterion, topography with road, environment, debtor, evaluator special mention, final processing unit price, median unit price, reason for determination, etc.

FIG. 6 is a table showing the input processing of the collateral displayed on the screen. The property number, property type, location, lot number and house number, owner, competent legal bureau, cause date, current evaluation, one-stroke evaluation value, evaluation date, equity evaluation value, net loan amount, remaining loan amount, etc. are entered.

FIG. 7 is a table showing a property input process displayed on the screen. The security number, security type, security amount, cause date, security interest, debtor, guarantor, and the like are displayed.

[0028]

According to the real estate collateral collective processing system of the present invention, the financing business involving a complicated security relationship requires an enormous amount of time, but the instantaneous processing of the present case has such an effect that the business form is changed. In addition, while the method for evaluating real estate such as the land is simple, it can promote suitability and prevent the risk of bubble economy relapse from a national point of view. Also, credit management can be automatically and collectively managed by a computer.

In the present invention, the database functions as a matter of course for the purpose of quick access to data. However, the following six options are provided when the real estate collateral is collectively processed. Effect. (1) First key Second key When the third key is selected, since the receivables can be searched and displayed in a list for each owner of the collateral, the collateral status of the property can be grasped at a glance.

(2) First key Second key When the third key is selected, the receivables related to the collateral are displayed.
Since the right holder and the debtor of the receivable can be displayed, it is possible to see at a glance who owns the security of the property.

(3) First key Second key When the third key is selected, the collateral owned by the parties can be displayed, the related claims can be displayed, and the properties owned by the parties can be seen at a glance. .

(4) First key Second key When the third key is selected, the receivables related to the parties can be displayed, and the related properties can be displayed, and the debt status of the parties can be checked at a glance.

(5) First key Second key When the third key is selected, the collateral related to the receivable is displayed, and the owner of the property can be displayed. You can check.

(6) First key Second key When the third key is selected, the right holder and the debtor relating to the claim can be displayed and the property owned can be displayed. You can know if you have collateral.

Further, the present invention enables accurate and prompt creation of a collateral table, thereby enabling immediate execution of a loan including risk hedging. In addition, it is possible to prevent intentional fraudulent financing of the same person by marriage, adoption, etc.

A simulation for determining a collateral can be performed, thereby automatically creating a collateral table and necessary documents, thereby achieving a great reduction in time and a drastic reduction in overtime hours for loan officers such as bankers. be able to. Simple processing can be performed without performing complicated operations, quick judgment and evaluation of collateral evaluation by comparison and examination can be realized, and the cost required for judgment and evaluation can be reduced. Therefore, even if the person in charge changes, there is no significant difference in evaluation, and fraudulent officers can be prevented.

Further, since the required documents that are freely registered can be automatically created, an innovative business revolution can be brought about in loan business. In addition, it is useful to search for properties by owner name in terms of financing strategy. A list of debtors, joint guarantors, and property owners can be displayed and linked to the property, fraud can be found, and fraudulent lending by the same person on purpose can be prevented. Reviewing the collateral evaluation every few years, which used to take an enormous amount of time, is a simple task that will lead to revolutionary changes. In addition, the creation of content certificates and the like such as notices and notices of loss of profits on time limits can be released from handwriting.

The collateral property is evaluated by key input based on an administrative area such as an Oaza, and a price evaluated in the past,
Automatically extract the published price, prefectural reference land standard price, case example of sale, auction price, real estate appraiser price, etc. In addition, past data, average unit price, etc. are added to the extracted data to determine the evaluation unit price of the collateral property. It is possible to objectively evaluate the real estate collateral price by preparing it or by quantifying various land environments so that the collateral price can be corrected.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a real estate collateral collective processing system according to the present invention.

FIG. 2 is a processing flow of the real estate collateral processing system of the present invention.

FIG. 3 is a processing flow of a system showing a relationship between a central processing unit, a file device, a main memory, and an input / output device of the present invention.

FIG. 4 shows an example of a processing table on a screen obtained by the real estate collateral collective processing of the present invention.

FIG. 5 is a list showing evaluation extraction conditions displayed on a screen according to the present invention.

FIG. 6 is a table showing input processing of a collateral article displayed on a screen according to the present invention.

FIG. 7 is a table showing a property input process displayed on a screen according to the present invention.

Claims (6)

[Claims] Claims 1. A specific security object, a party, and a security right and a claim including the order of all security rights from a computer screen input are used as an index part, and a party data file, a property data file, a security interest / a claim Various necessary items in the data file are used as the data section,
A real estate security batch processing system that creates a database of the rights of the real estate registry in the following order and collectively processes security rights. (1) First key Second key Third key (2) First key Second key Third key (3) First key Second key Third key (4) First key Second key Third key (5 ) First key Second key Third key (6) First key Second key Third key 2. The key of the name of the party is ranked at the top of the name part, the date of birth, gender, and rank are ranked according to the application, and the key of the database is used to identify obstacles by overcoming obstacles such as marriage 2. The real estate collateral batch processing system according to claim 1, wherein: [3] The collateral property is evaluated by key input based on the administrative area such as Oaza, and the price evaluated in the past, the published price, the prefectural standard land standard price, the example of buying and selling, the auction price, the real estate appraiser Automatically extract prices, etc., set price determination conditions, extract price examples based on the criteria set by the lending financial institution, and add past data, average unit price, etc. to the extracted data. The real estate collateral processing system according to claim 1 or 2, wherein an evaluation unit price of the collateral is determined. 4. The data of the above database is automatically inserted into a document arbitrarily created by the user in advance, and a security right setting contract, a security setting registration application, a real estate registration power of attorney,
4. The real estate collateral batch processing system according to claim 1, wherein necessary documents up to a notarized paper creation power of attorney are automatically prepared in a lump. 5. Automatically print a real estate transcript grant application, print the evaluation and evaluation conditions of the secured collateral on OCR paper,
5. The real estate security batch processing system according to claim 1, wherein only the changed portion is written, and the changed data is used as new data to perform batch change processing of the input database. 6. The method according to claim 1, wherein when the debtor is in excess of debt, automatic insertion printing of a certificate of contents of the claim for reconciliation of claims and date management such as prescription of the claim are performed. The real estate collateral collective processing system according to 2, 3, 4, or 5.