TWM597936U - Selling price based early-warning re-examination system - Google Patents

Abstract

The purpose of this creation is to provide a real-price import early warning review system, through the case creation device to create housing loan case data, send it to the server host device for keyword retrieval, and upload the keyword to an external housing price query device for keyword Search, after obtaining the search result data, the real price query device will perform fuzzy comparison, and include the house prices near the area where the case house is located for the comparison operation, and generate reasonable house price information and house price deviation information. If the result of the comparison is reasonable housing price information, the case can be closed, while the case tracking device will issue a loan recovery notice to the case creation device to cancel the loan if the housing price deviation is too large. The financial unit can keep abreast of the status of the case at any time, so as to obtain the latest housing price information through real-time inquiry.

Description

Import early warning review system at a real price

This creation is an early warning review system for real price import, especially a debt real price import early warning review system with a real price comparison module.

In order to avoid referrals by interested parties or fraudulent groups through intermediaries (such as landlords, real estate brokers, real estate brokers, etc.), financial units use forged housing sales contracts and personally obtained certification documents to apply for excess housing loans like financial units The situation happened. In order to reduce the risk of credit granting, financial institutions need to conduct appraisal and evaluation procedures for these credit cases secured by applying for real estate. However, current financial institutions have not been able to keep abreast of market housing prices in a timely manner, resulting in the inability to objectively evaluate real estate. In addition to the real-time and reasonable current price, it is also easy to cause omissions and mistakes during the inquiries by the undertaker. This makes the misappraisal of market conditions frequently lead to the occurrence of mortgage over-lending, and the long-term impact will cause major financial institutions. loss. Therefore, how to enable financial institutions to obtain real-time housing prices for evaluation, and compare prices with other housing prices in the applied housing area through a fuzzy comparison method. If the price is reasonable, close the case and allocate loans. If the price difference is found to be inconsistent with market conditions, To issue an early warning and take back all the loans in the housing loan case, so as to avoid the intention of people or fraudulent groups to over-loan, to achieve the effect of real-time assessment of housing prices and reasonable housing loans, which is worth considering for those with ordinary knowledge in the field.

The purpose of this creation is to provide a real-price import early warning review system, through the case creation device to create housing loan case data, send it to the server host device for keyword retrieval, and upload the keyword to an external housing price query device for keyword Search. After obtaining the search result data, the real price query device will perform fuzzy comparison, and include the house prices near the area where the case house is located for the comparison operation, and generate reasonable housing price information and housing price deviation information. If the comparison result is reasonable Housing price information can be closed. If the housing price deviation is too large, a loan recovery notice will be issued. The tracking of cases where the housing price deviation is still within the acceptable range will be strengthened to facilitate the financial unit to grasp the status of the case at any time, and obtain the latest housing price in real time. News. The actual price imported early warning review system of this creation is connected to an external house price query device. The actual price imported early warning review system includes a case establishment device, a server host device and a case tracking device. The case creation device is suitable for creating multiple housing loan case data and storing the completed housing loan case data. The server host device is adapted to be communicatively connected to the case tracking device, and the server host device includes a keyword search module, a real price comparison module and a price difference warning module. The keyword search module is suitable for generating at least one keyword retrieval file based on the housing loan case data. The real price comparison module is suitable for uploading the keyword retrieval file to the real price query device for keyword search. The real price query device generates at least one search result data, and the real price comparison module generates the data based on the search result data. At least one fuzzy comparison to retrieve data. The interest rate confirmation module is suitable for generating at least one verification information based on the verification information. The price difference early warning module is adapted to generate at least one reasonable housing price information and at least one housing price deviation information based on the retrieved data from the fuzzy comparison. The case tracking device is suitable for communicating with the server host device, and the case tracking device includes a tracking completion module and a risk processing module. The tracking completion module is suitable for receiving reasonable housing price information, and generating at least one case completion notification based on the reasonable housing price information. The risk processing module is adapted to receive housing price deviation information, generate at least one loan recovery notice based on the housing price deviation information, and return the loan recovery notice to the case creation device. Introduce the early warning review system in the above real price, in which the housing loan case data includes the housing sales contract, the proof of income and the total housing loan application data. In the above-mentioned real-price introduction early warning review system, the fuzzy comparison captured data includes image and text captured data of address classification, price classification, and distance classification. In the above-mentioned real-price introduction early warning review system, the case tracking device also includes an enhanced tracking module, suitable for exporting housing loan case data corresponding to housing price deviation information, and generating at least one enhanced tracking case information based on the housing loan case data .

The real-price import early warning review system 10 of this creation creates multiple mortgage case data 110 through the case creation device 100, and stores the completed mortgage case data 110, and then the server host device 200 receives the mortgage case data 110 for address, price and After the keyword retrieval operation of the buildings around the land is completed, a keyword retrieval file 211 is generated, and then the keyword retrieval file 211 is uploaded to the house net price query device 20 by the net price comparison module 220 for keyword search. At least one search result data 21 is obtained from the real price query device 20, and the real price comparison module 220 generates at least one fuzzy comparison extraction data 221 according to the search result data 21 to know the real housing price range and surroundings in the housing area The housing price range of the building is used as the substantial basis for housing price comparison, and then at least one reasonable housing price information 231 and at least one housing price deviation information 232 are generated based on the fuzzy comparison captured data 221 through the price difference warning module 230 and sent to the case tracking device 300. The reasonable housing price information 231 received by the tracking completion module 310 indicates that the housing loan amount of the housing loan case is a reasonable loan application, and a case completion notification is generated to indicate the case closure. The housing price deviation information 232 is received by the risk processing module 320. If the mortgage amount is too far from the queried housing price range, the loan recovery notice 320 will be generated and sent back to the case establishment device 100 to cancel the loan amount applied for in the housing loan case In this way, it is possible to resolve the occurrence of additional applications for loans by people who may use fraudulent information, and achieve the effect of real-time inquiry of the real price range of houses and rapid early warning operations. Please refer to Figure 1. Figure 1 shows a schematic diagram of the real-price introduction of the early warning review system. The actual price import early warning review system 10 of this creation is connected to an external house price inquiry device 20. In a preferred embodiment, the house price inquiry device 20 is the real estate transaction price inquiry service network of the Ministry of the Interior, which is implemented in other In the example, it can also be a general house buying and selling agency website, so as to obtain the latest real house buying prices in real time. The real-price import early warning review system 10 includes a case creation device 100, a server host device 200, and a case tracking device 300. The case creation device 100 is adapted to create multiple housing loan case data 110 and store the completed housing loan case data 110. To put it simply, the case creation device 100 can be, for example, a housing loan approval management department of a financial unit, which is suitable for creating housing loan case data 110 according to the needs of customers. The content of the housing loan case data 110 includes housing sales contracts, income certification documents, and housing The total amount of loan application data is created by the case creation device 100 and then stored for subsequent review and reference. The server host device 200 is adapted to be communicatively connected to the case tracking device 100. The server host device 200 includes a keyword search module 210, a real price comparison module 220, and a price difference warning module 230. The keyword search module 210 is adapted to generate at least one keyword extraction file 211 according to the housing loan case data 110. Furthermore, after the keyword search module 210 receives the housing loan case data 110 through the server host device 200, it extracts keywords based on the content of the housing loan case data 110, including the housing sales contract, the obtained certification documents, and the total amount of housing loan application data. , The keywords obtained after the retrieval will be integrated into the keyword retrieval file 211 to facilitate subsequent use of the keyword retrieval file 211 for data comparison purposes. The actual price comparison module 220 is adapted to upload the keyword retrieval file 211 to the house actual price query device 20 for keyword search. The house price query device 20 generates at least one search result data 21. The actual price comparison module 220 generates at least one fuzzy comparison captured data 221 according to the search result data 21. In detail, the server host device 200 can use the net price comparison module 220 to upload the keyword retrieval file 211 to the house net price query device 20 to query the latest house price in the form of keywords, and query from the house net price query device 20 The search result data 21 is generated from the result obtained, and then the fuzzy comparison extraction data 221 is generated in a fuzzy comparison method through the actual price comparison module 220 according to the search result data 21. The data extraction method can be, for example, to query After entering the housing case address, the real price comparison module 220 will search for housing information and prices in the neighboring addresses, and with the image and text recognition method, the accuracy of the search results can be improved, thereby achieving real-time and effective The effect of checking the real price of the house. The price difference warning module 230 is adapted to generate at least one reasonable housing price information 231 and at least one housing price deviation information 232 based on the fuzzy comparison captured data 221. To further explain, the price difference warning module 230 can classify the results according to the fuzzy comparison captured data 221 captured by the real price comparison module 220, where the reasonable housing price information 231 is the real price comparison of the house and it is confirmed that it wants to be inquired. In the housing case, the housing price is relatively reasonable and there is no obvious price difference, while the housing price deviation information 232 is that the housing case to be inquired has too much deviation from the market price and it is obviously forced to water by the intentional person and the fraud group. Based on the above results, it is divided into reasonable The housing price information 231 and housing price deviation information 232 are used to facilitate subsequent processing operations to have a more accurate basis. The case tracking device 300 is adapted to be communicatively connected to the server host device 200. The case tracking device 300 includes a case tracking device 310, a risk processing module 320, and an enhanced tracking module 330. The tracking completion module 310 is adapted to receive reasonable housing price information 231, and generate at least one settlement completion notice 311 based on the reasonable housing price information 231. To put it simply, the tracking completion module 310 of the case tracking device 300 will process the housing loan application cases that meet the current housing price as a closed state, which means that after the housing loan case data 110 is compared with the market price difference, the housing price is reasonable and there is no deviation Too many false reports were suspected, so the housing loan case data 110 was completed and processed. The risk processing module 320 is adapted to receive the housing price deviation information 232, generate at least one loan recovery notice 321 based on the housing price deviation information 232, and transmit the loan recovery notice 321 back to the case creation device 100. In detail, the risk processing module 320 of the case tracking device 300 is suitable for performing risk processing operations on the housing loan case data 110 with excessive housing price deviations, and can execute a housing loan withdrawal cancellation order based on the housing price deviation degree displayed by the housing price deviation information 232. In addition, a notification is sent back to the case creation device 100 to list the housing loan case data 110 as a blacklist or for processing, so as to prevent interested persons or fraudulent groups from exploiting loopholes and attempting to over-report the housing loan and collect additional over-loan amounts. The enhanced tracking module 330 is adapted to export the housing loan case data 110 corresponding to the housing price deviation information 232, and will generate at least one enhanced tracking case information 331 based on the housing loan case data 110. To further illustrate, the enhanced tracking module 330 is able to continuously track the corresponding housing loan case data 110 through the enhanced tracking module 330 with the suspicious but reasonable housing price deviation information 232, and continue to track these needs The housing loan case data 110 is classified as enhanced tracking case information 331, so that the undertaking department of financial institutions can use the information to observe the application status and market trends of these customers, and ensure that the deviation between the housing price and the mortgage will not be too large, causing losses or suffering. abuse. When processing the mortgage application submitted by the client, the conventional financial unit must not only submit the income, basic information and credit review information submitted by the client, but also review the amount of the client's mortgage against the market price. Make the final approval. However, many interested people or fraudulent groups use forged information to pay and use over-reporting, over-loan and other methods to try to increase the mortgage to be applied for in order to obtain more loan amount. However, due to the past processing methods of financial units, it is impossible to obtain real estate prices immediately. The latest information can only be manually checked by the undertaker based on the location of the house where the mortgage is to be applied for, and too many manual interventions can easily lead to misjudgment and lead to the occurrence of over-loan housing loans. How to avoid housing loan cases due to human negligence Those who are willing to take advantage of the emptiness to obtain excess loans have become an issue facing financial institutions. The real-price import early warning review system 10 of this creation creates multiple housing loan case data 110 through the case creation device 100. After the server host device 200 receives the housing loan case data 110, it performs address, housing price, and land surrounding buildings based on the content of the housing loan case data 110 After the retrieval is completed, the keyword retrieval file 211 can be obtained, and the keyword retrieval file 211 can be uploaded to the real price query device 20 using the net price comparison module 220 for keyword search. The net price query device 20 obtains at least one search result data 21, and then the net price comparison module 220 generates at least one fuzzy comparison captured data 221 based on the search result data 21, and extracts the content of the data 221 from the fuzzy comparison It can be learned that the real housing price range in the housing area and the housing prices of surrounding buildings are used as the basis and reference data for housing price comparison, and then through the price difference warning module 230 to generate at least one reasonable housing price information 231 and based on the fuzzy comparison data 221 At least one housing price deviation information 232 is sent to the case tracking device 300, and the tracking completion module 310 receives reasonable housing price information 231 indicating that the housing loan amount of the housing loan case is a reasonable loan application, and generates a case completion notice to indicate the case closure. The housing price deviation information 232 is received by the risk processing module 320. If the mortgage amount is too far from the queried housing price range, the loan recovery notice 320 will be generated and sent back to the case establishment device 100 to cancel the loan amount applied for in the housing loan case In this way, it is possible to eliminate the occurrence of intentional persons or fraudulent groups using fraudulent information to apply for excess loans, so as to achieve the effect of real-time inquiry of housing prices and rapid early warning operations. This creation is illustrated above with examples, but they are not used to limit the scope of patent rights claimed by this creation. The scope of its patent protection shall be determined by the attached scope of patent application and its equivalent fields. Any person with ordinary knowledge in the field, without departing from the spirit or scope of this patent, makes changes or modifications that are equivalent changes or designs completed under the spirit of this creation, and should be included in the following patent scope Inside.

10: Import early warning review system at a real price 20: House price inquiry device 21: Search result data 100: Case creation device 110: Housing loan case information 200: Servo host device 210: Keyword Search Module 211: Keyword Extraction File 220: Net price comparison module 221: Fuzzy comparison to retrieve data 230: Price Difference Warning Module 231: Reasonable house price information 232: House price deviation information 300: Case tracking device 310: Case Tracking Device 311: Notice of completion of case closure 320: Risk Management Module 321: Loan Recovery Notice 330: Enhanced tracking module 331: Strengthen the tracking of case information

Figure 1 shows a schematic diagram of the early-warning review system for the original creation at a real price.

10: Import early warning review system at a real price

20: House price inquiry device

21: Search result data

100: Case creation device

110: Housing loan case information

200: Servo host device

210: Keyword Search Module

211: Keyword Extraction File

220: Net price comparison module

221: Fuzzy comparison to retrieve data

230: Price Difference Warning Module

231: Reasonable house price information

232: House price deviation information

300: Case tracking device

310: Case Tracking Device

311: Notice of completion of case closure

320: Risk Management Module

321: Loan Recovery Notice

330: Enhanced tracking module

331: Strengthen the tracking of case information

Claims (4)

A real-price import early warning review system, which is communicatively connected to an external house real-price query device, the real-price import early warning review system includes: A case creation device, suitable for creating multiple housing loan case data and storing the completed housing loan case data; A server host device adapted to be communicatively connected to the case tracking device, and the server host device includes: A keyword search module adapted to generate at least one keyword extraction file based on the housing loan case data; A real price comparison module, adapted to upload the keyword retrieved file to the real price query device for keyword search, the real price query device generates at least one search result data, and the real price comparison model The group generates at least one fuzzy comparison extraction data based on the search result data; and A price difference warning module, adapted to generate at least one reasonable housing price information and at least one housing price deviation information based on the acquired data from the fuzzy comparison; and A case tracking device adapted to be communicatively connected to the server host device, and the case tracking device includes: A tracking completion module, adapted to receive the reasonable housing price information, and generate at least one completion notice of case closure based on the reasonable housing price information; A risk processing module is adapted to receive the housing price deviation information, generate at least one loan recovery notice based on the housing price deviation information, and transmit the loan recovery notice back to the case creation device. For example, the actual price introduction early warning review system described in item 1 of the scope of patent application, in which the content of the housing loan case data includes the housing sales contract, the income certification documents and the total housing loan application data. For example, the real-price import early warning review system described in item 1 of the scope of patent application, wherein the fuzzy comparison captured data includes image and text captured data of address classification, price classification, and distance classification. For example, the real-price introduction early warning review system described in item 1 of the scope of patent application, in which the case tracking device also includes an enhanced tracking module, suitable for exporting the housing loan case data corresponding to the price deviation information, and based on The housing loan case data generates at least one case information to strengthen tracking.

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