TW202405735A - Online mortgage application devices based on different statuses - Google Patents

Abstract

The online mortgage application device according to different states of the present invention mainly includes an object database, a mortgage database, a selection module, and a transmission module. The selection module receives the specific person status, the selected bank code, and displays a confirmation message based on the specific person status, the object index code corresponding to the specific person status, and the selected bank code, and the confirmation message is confirmed Then, use the specific person's status and the selected bank code to obtain the content defined by a single condition or multiple conditions in the mortgage attribute of the mortgage loan, find multiple mortgage information that meet the conditions, and generate the information containing the specific person's status. One of the index codes of the purchased object can apply for a list of mortgage loans. Each piece of mortgage information in the list of eligible mortgage loans has a loan application button. After the loan application button is triggered, the complete status of the specific person will be sent to The bank device corresponding to the bank code of the mortgage information.

Description

Online mortgage application devices based on different statuses

The invention relates to a mortgage application device, in particular to a device that can browse other mortgage applications of the same nature while browsing objects.

In addition to the current channels for real estate sales or leasing through community bulletin boards or physical service stores, real estate websites can provide detailed information on real estate sales or leasing across the country, and can provide services based on personalized needs. Therefore, website information technology has become a recent endeavor of the real estate industry. The goal of development and development is to enhance the competitiveness of real estate players.

However, when buyers apply for a loan when purchasing a home, they often face the dilemma of having so many choices and not knowing how to choose.

For this reason, in view of the shortcomings of the conventional technology, the applicant invented the "online mortgage application device based on different statuses" in this case to improve the aforementioned shortcomings.

In order to overcome the problems existing in the prior art, the present invention provides an online mortgage application device according to different states, which mainly includes an object database, a mortgage database, a selection module, and a transmission module. The selection module receives the specific person status, the selected bank code, and displays a confirmation message based on the specific person status, the object index code corresponding to the specific person status, and the selected bank code, and after the confirmation message is confirmed After confirmation, the content defined by a single condition or multiple conditions in the mortgage attribute of the mortgage loan is obtained based on the specific person's status and the selected bank code, and multiple mortgage information that meets the conditions are found to generate information that includes the specific person. One of the index codes of the object purchased can apply for a list of mortgage loans. Each piece of mortgage information in the list of eligible mortgage loans has a loan application button. After the loan application button is triggered, the complete status of the specific person will be transmitted. The bank device transmission module that provides the bank code corresponding to the mortgage information enables the display device of the client device to present the list of available mortgage loans. In this way, users can simply select a specific identity and the system will search for corresponding objects for selection.

The online mortgage application device based on different statuses provided by the present invention provides a method that can summarize other mortgages with the same nature based on different identities during browsing.

10: Online mortgage application devices based on different statuses

101:Object database

100:Mortgage database

102:Record space

103:Recording module

105:Teleport module

106:Present module

107:Select module

5: Client device

20: Operation screen

202: First mark button

204: Collection function button

206: Collection button for a single object

208:Subscription function button

22:Display block

33: Mortgage attributes

34:Object properties

40: List of mortgage loans that can be applied for

42:Loan application button

44: Confirmation message

The first figure shows a system schematic diagram of a specific embodiment of the online mortgage application device according to different states of the present invention.

The second figure shows a schematic classification diagram of specific embodiments of the online mortgage application device according to different states according to the present invention.

The third figure shows another schematic diagram of a specific embodiment of the online mortgage application device according to different states of the present invention.

Figures 4A to 4C show schematic diagrams of the operation screen of the present invention.

The present invention will be carried out through the following preferred embodiments and accompanying drawings. Detailed step by step instructions.

Referring to the first figure, the online mortgage application device according to different states of the present invention mainly includes an object database 101, a mortgage database 100, a selection module 107, and a transmission module 105. The object database 101 stores plural object data, and each object data has an object index code and a plurality of object attributes to which the object index code belongs.

The client device 5 transmits data to each other through the Internet and the online mortgage application device 10 according to different states of the present invention. Specifically, the presentation module 106 transmits the screen to be presented to the client device for presentation, and the information input by the user in the various screens presented by the presentation module 106 is first received and further passed to the client device. Related modules, but this does not mean that the online mortgage application device 10 according to different states of the present invention must include the presentation module 106. The aforementioned client device 5 may be a desktop computer, a notebook computer, a tablet computer, a smart phone, etc.

Each object data in the object database 101 has an object index code and a plurality of object attributes 34 to which the object index code belongs (as shown in the second figure). Among them, the object attributes include the abbreviation, price, community name, address, floor, building registration area, land registration area, unit price per unit area, type, layout, house age, parking space, seating direction, elevator, selected from the real estate object. , management fees, layout map, and living functions. Each object attribute among the plurality of object attributes has a priority. The higher the priority, the more highly overlapping objects will be compared first, which will affect the objects presented in the list of eligible mortgage loans.

The mortgage database 100 stores a plurality of mortgage data. Each mortgage data has a bank code and a plurality of mortgage attributes to which the identity and index code belongs. Each mortgage attribute is mainly defined by a single condition or multiple conditions.

To put it simply, after the transaction customer completes the login, since the system knows the specific personnel status of the transaction customer and the index code of the object purchased, it only needs to simply select the bank code, and the system can search for the corresponding You can apply for a home loan to apply for a loan. The selection module 107 receives the specific person status and the selected bank code, and displays the confirmation message 44 (such as the fourth A to fourth As shown in Figure B), and after the confirmation message is confirmed, obtain the content defined by a single condition or multiple conditions in the mortgage attribute of the mortgage based on the specific person status and the selected bank code, and find out the relationship between the conditions. The matching plurality of mortgage information generates a list 40 of mortgage loans that can be applied for including the index code of the object purchased by the specific person. Each piece of mortgage information in the mortgage loan list 40 is provided with a mortgage application button 42 (as shown in Section 4). 4C), the transmission module 105 allows the display device of the user 5 to present the list 40 of mortgage loans that can be applied for. After the loan application button 42 is triggered, the complete status of the specific person is transmitted to the bank device corresponding to the bank code corresponding to the mortgage information.

If the same specific person status has been applied for before, the confirmation message 44 shown in Figure 4A will be displayed. If no one has applied, the content shown in Figure 4B will be displayed.

In order to improve the accuracy of the list of available housing loans, the list of available housing loans can also consider the user's browsing behavior to avoid too many items, resulting in the user still being unable to find the ideal item in his mind.

Refer to the third figure, which shows a system schematic diagram of a specific embodiment of the online mortgage application device according to different states according to the present invention. Depending on the status, the online mortgage application device 10 and the object database 101 that stores plural object data can transmit messages to each other through unspecified communication means, and the transmitting device 10 that can provide a list of eligible mortgage loans at least includes a record. A recording space 102 and a recording module 103 for receiving user input from the client device 5 and for recording browsing behavior. The record space 102 is configured to store a plurality of browsing records, and each browsing record is an index code of the object corresponding to the user code.

To put it simply, when the user uses the objects provided by the client device 5 to browse the website to view the website, the recording module 103 will detect and receive browsing events from the client device. Since the browsing event includes the user code and the object index code, the object data corresponding to the user code and the object index code in the browsing event can be saved in the record space 102 . As long as the collected browsing events reach a certain level and can produce a meaningful list of housing loans that can be applied for, the module 107 only needs to be selected to receive the specific person's status and the selected bank code. In addition to the specific person's status and the specific bank code, The object index code corresponding to the person's status and the selected bank code display a confirmation message, and after the confirmation message is confirmed, the mortgage attribute of the mortgage loan is obtained with a single condition based on the specific personnel status and the selected bank code. In addition to searching for content defined by multiple conditions, it can also summarize the object index codes in the plurality of browsing records based on the plurality of browsing records to which the user code belongs, and the highly overlapping attributes of the object. , and use the transmission module to transmit the list of eligible mortgage loans to the client device 5 to which the user code belongs. Among them, the list of eligible housing loans is at least one object index code related to highly overlapping attributes of the object.

When the user uses the objects provided by the client device 5 to browse the website to view the website, the search results entered by the user will be listed on the client device 5, and as long as the user clicks on an object, he will trigger a browsing event. Cause the recording module 103 to store the object data corresponding to the user code and the object index code in the browsing event to the recording space. 102 in.

Since each object data in the object database 101 has an object index code and a plurality of object attributes to which the object index code belongs, the selection module 107 can utilize the object index of each browsing record stored in the record space 102 code, find out the plurality of object attributes to which the object index code belongs, and then summarize the object index codes in the plurality of browsing records, which have highly overlapping attributes of the object. For example, if the user frequently browses building objects in the same area repeatedly, the selection module 107 determines that the user is highly interested in building objects in a specific area, and will not browse the building objects in the specific area. The building object is listed as having highly overlapping attributes and is included in the list of eligible mortgage loans. However, since the number of items that can be included in the list of eligible mortgage loans is limited, such as 3, so as long as there are too many building objects in a specific area, the selection module 107 will require further screening. That is, expand more attributes of the object to find highly overlapping objects. For example, in addition to building objects in the same area, users also often browse objects with nearby parks, hospitals, MRT stations, etc. .

However, in order to make the objects included in the list of eligible mortgage loans closer to the user's expectations, each object attribute among the plurality of object attributes has a priority. The higher the priority, the more highly overlapping attributes will be prioritized. In other words, for example, if a user frequently clicks on an object that contains a park or a hospital in the list of eligible home loans, but does not have an MRT station, even if the object attribute of the object index code in multiple browsing records often appears with MRT The priority of the object attribute of the MRT station will also be reduced, and the possibility of being included in the list of eligible housing loans in the future will also be reduced. Next, further explanation will be given on how to list the search results entered by the user on the client device 5 .

Refer to the third figure, which shows another system schematic diagram of a specific embodiment of the online mortgage application device according to different states of the present invention. According to different states, the online mortgage application device 10 and the object database 101 that stores plural object data can transmit messages to each other through unspecified communication means, and the transmitting device 10 that can provide a list of mortgage loans that can be applied for at least includes a recording space 102 for receiving. The selection module 107 input by the user from the client device 5 is used to search and compare object data in the database 101, the presentation module 106 is used to present various screens, and the recording module 103 is used to record browsing behavior. .

Search conditions are input through the search screen 20 presented by the presentation module 106. The input method may be by clicking on a menu or typing through a keyboard. First, the search conditions from the client device 5 are received through the Internet, and the search conditions are sent to the selection module 107 . The selection module 107 compares the search condition with the plurality of object data in the database 101 to generate a search result. The search result includes a plurality of desired object data that matches the search condition and a plurality of object indexes corresponding to the plurality of desired object data. Code, each desired object data corresponds to a unique object index code. In a preferred embodiment, each object has an object number that is not repeated with other objects as its unique object index code.

For example, when the user enters the search criteria "New Taipei City, Yonghe District, and housing between 8 million and 12 million" through the search screen 20 and presses the search key to send a search event, the module 107 is selected to receive the search containing the aforementioned A search event of a condition is compared with the plurality of object data in the database 101 to generate a search result. The presentation module 106 presents a plurality of desired object data that match the search conditions, a first marking button 202 corresponding to each desired object data, and a button for collecting the marked objects through the operation screen in a system-default order. A collection function button 204. Users can mark through the operation screen Remember the house object data that he is interested in (usually, the user will mark multiple house object data), and click the collection function button 204 to simultaneously collect all the object data that he has marked. When the collection function button 204 is activated, a collection event will be emitted. The collection event contains basic information of the marked object data. The basic information at least includes the object index code of the marked object data, and may also include, for example, collection time, object Name, object address, etc. The user can also click the collection button 206 for a single object to trigger the collection event of a single object.

The recording module 103 detects whether a collection event occurs at any time. When the recording module 103 detects the collection event and receives it, it simultaneously collects the basic information of several pieces of object data in the collection event to the corresponding user. A recording space 102 for the user to review the collected objects in the recording space 102 when logging into the website. The user's respective recording space 102 can be set up in the database 101 or independently from the database 101, and can also be in the form of an object index code list or list. For ease of explanation, the term "favorite" is used below to represent each user's unique recording space 102 or favorite list. For users who need to quickly collect a large amount of house object information, a system that can collect multiple object data at the same time is quite attractive. Users can even check the "Select All" button to save all object data found by specific search criteria to their favorites at once.

After the user enters the search criteria "New Taipei City, Yonghe District and housing between 8 million and 12 million" through the search screen 20, if the object of interest cannot be found from the currently displayed object data, the user can press the search button The subscription function button 208 in the operation screen will appear later, allowing the system to help track it. The subscription function button 208 is enabled When activated, a subscription event will be emitted. The subscription event at least contains the search condition "New Taipei City, Yonghe District, and housing between 8 million and 12 million." The recording module 103 detects whether a subscription event is generated at any time. When the recording module 103 detects the subscription event and receives it, it can execute the subscription program in response to the subscription event.

The present invention is disclosed with reference to the above-mentioned preferred embodiments and examples. Readers should understand that these examples are for description rather than limitation. Those skilled in this art can make various combinations and modifications without departing from the spirit and scope of the invention, and they should still be within the scope of the patent of the invention.

10: Online mortgage application devices based on different statuses

100:Mortgage database

101:Object database

105:Teleport module

106:Present module

107:Select module

5: Client device

Claims (4)

An online mortgage application device based on different statuses, including: An object database stores a plurality of object data, and each object data has an object index code and a plurality of object attributes to which the object index code belongs; A mortgage database stores multiple mortgage data. Each mortgage data has a bank code and multiple mortgage attributes to which the bank code belongs. Each mortgage attribute is mainly defined by a single condition or multiple conditions; A selection module, coupled to the object database and the mortgage database, is configured to receive a specific person's status and the selected bank code, and based on the specific person's status, the object index code corresponding to the specific person's status, The selected bank code displays a confirmation message, and after the confirmation message is confirmed, the content defined by a single condition or multiple conditions in the mortgage attribute of the mortgage loan is obtained based on the specific person status and the selected bank code. , find a plurality of mortgage information that meet each other's conditions, and generate a list of eligible mortgage loans that contains the index code of the object purchased by the specific person's situation. Each mortgage information in the eligible mortgage list has an application button. , after the loan application button is triggered, the complete status of the specific person is sent to the bank device corresponding to the bank code of the mortgage information. The specific status of the specific person at least includes the index code of the object purchased, age, occupation, annual salary; and A transmission module, coupled to the selection module, is configured to enable a display device of a client device to display each mortgage information in the list of eligible mortgage loans with a loan application button, and the loan application button is triggered Then, the complete status of the specific person is transmitted to the bank device corresponding to the bank code corresponding to the mortgage information. As described in item 1 of the patent scope, online mortgage application installations based on different statuses configuration, wherein the application device further includes: A record space configured to store a plurality of browsing records, each browsing record being an index code of the object corresponding to a user code; A recording module is coupled to the object database and the recording space, and is used to detect and receive a browsing event from the client device. The browsing event includes the user code and the object index code to collect the browsing event. The object data corresponding to the user code and object index code in the event are stored in the record space; Wherein, the transmission module is coupled to the object database and the mortgage database, and is configured to summarize the object index code in the plurality of browsing records based on the plurality of browsing records to which the user code belongs, with a high degree of The overlapping object attributes, and the list of available mortgage loans is transmitted to the client device to which the user code belongs. The list of available mortgage loans is at least one object index code related to the highly overlapping object attributes. As described in item 2 of the patent application scope, the online mortgage application device based on different statuses, wherein the object attributes include the abbreviation, price, community name, address, floor, building registration area, land registration area, each selected from the real estate object. Unit price per unit area, type, layout, house age, parking space, seating orientation, elevator, management fee, layout map, and living functions. As described in Item 3 of the patent application, in the online mortgage application device based on different statuses, each of the plurality of object attributes has a priority. The higher the priority, the more highly overlapping objects will be prioritized.

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