TWM597936U - Selling price based early-warning re-examination system - Google Patents
Selling price based early-warning re-examination system Download PDFInfo
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Abstract
本創作之目的在於提供一種實價導入預警複查系統,透過案件建立裝置建立房貸案件資料,傳送至伺服主機裝置進行關鍵字擷取,將關鍵字上傳至外部之一房屋實價查詢裝置進行關鍵字搜尋,取得搜尋結果資料後再由實價查詢裝置進行模糊比對,將該案件房屋所在區域附近的房屋價格納入進行比對作業,產生出合理房價資訊及房價偏差資訊。比對結果為合理房價資訊則可進行結案,而房價偏差太大的案件則由案件追蹤裝置發出貸款收回通知給案件建立裝置取消貸款。以利金融單位隨時掌握案件的狀況,達到即時查詢得出最新的房屋價格資訊。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
本創作為一種實價導入預警複查系統,特別是一種具有實價比對模組的債實價導入預警複查系統。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.
金融單位為避免有心人士或詐騙集團透過居間人(例如地政士、不動產經紀營業員或不動產經紀人等)轉介,利用偽造的房屋買賣契約以及個人所得證明文件資料,像金融單位申請辦理房屋超額貸款的情事發生。金融單位為了降低其授信風險,需對該些藉由申請不動產為擔保的授信案件進行鑑價評估的作業流程,但是,現今的金融單位未能夠適時地隨時掌握市場的房價,導致無法客觀評估不動產的即時合理時價,除此之外,亦容易因承辦人員自行查詢時造成有疏漏掛失誤植的情況發生,使得錯估市場行情導致房貸超貸的情況頻頻發生,長期影響將造成金融單位的重大損失。 因此,如何讓金融單位能夠即時取得房屋實價進行評估,並且透過模糊比對方式針對所申請之房屋區域其他房價進行價格比對,若價格合理則結案撥出貸款,若發現價差不符市場行情則發出預警並將該房貸案件之貸款全數收回,藉此避免有心人士或詐騙集團意圖超貸,達到房價即時評估且合理發放房貸之功效,便是本領域具有通常知識者值得去思量地。 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.
本創作之目的在於提供一種實價導入預警複查系統,透過案件建立裝置建立房貸案件資料,傳送至伺服主機裝置進行關鍵字擷取,將關鍵字上傳至外部之一房屋實價查詢裝置進行關鍵字搜尋,取得搜尋結果資料後再由實價查詢裝置進行模糊比對,將該案件房屋所在區域附近的房屋價格納入進行比對作業,產生出合理房價資訊及房價偏差資訊,若比對結果為合理房價資訊則可結案,若房價偏差過多則發出貸款收回通知,而房價偏差還在可接受範圍範圍的案件則強化追蹤,以利金融單位隨時掌握案件的狀況,且即時查詢得出最新的房屋價格資訊。 本創作之實價導入預警複查系統通訊連接外部之一房屋實價查詢裝置,實價導入預警複查系統包括案件建立裝置、伺服主機裝置及案件追蹤裝置。案件建立裝置適於建立多筆房貸案件資料,並將完成建立之房貸案件資料進行儲存。伺服主機裝置適於通訊連接至該案件追蹤裝置,伺服主機裝置包括關鍵字搜尋模組、實價比對模組及差價預警模組。關鍵字搜尋模組適於根據房貸案件資料產生至少一關鍵字擷取檔案。實價比對模適於將關鍵字擷取檔案上傳至房屋實價查詢裝置進行關鍵字搜尋,由房屋實價查詢裝置產生至少一搜尋結果資料,實價比對模組根據搜尋結果資料產生出至少一模糊比對擷取資料。利率確認模組適於根據檢核資訊產生至少一核定資訊。差價預警模組適於根據模糊比對擷取資料產生至少一合理房價資訊及至少一房價偏差資訊。案件追蹤裝置適於通訊連接至伺服主機裝置,案件追蹤裝置包括追蹤完成模組及風險處理模組。追蹤完成模組適於接收合理房價資訊,並根據合理房價資訊產生至少一結案完成通知。風險處理模組適於接收房價偏差資訊,並根據房價偏差資訊產生至少一貸款收回通知,並將貸款收回通知回傳至案件建立裝置。 在上述之實價導入預警複查系統,其中,房貸案件資料內容包括房屋買賣契約、所得證明文件以及房屋貸款申請總額資料。 在上述之實價導入預警複查系統,其中,模糊比對擷取資料包括地址分類、價格分類及遠近分類的圖片及文字擷取資料。 在上述之實價導入預警複查系統,其中,案件追蹤裝置還包括一強化追蹤模組,適於將對應房價偏差資訊之房貸案件資料匯出,並將根據房貸案件資料產生至少一加強追蹤案件資訊。 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 .
本創作之實價導入預警複查系統10透過案件建立裝置100建立多筆房貸案件資料110,並且將完成建立的房貸案件資料110儲存,後由伺服主機裝置200接收房貸案件資料110進行地址、房價與土地周遭建物的關鍵字擷取作業,完成後產生出關鍵字擷取檔案211,再利用實價比對模組220將關鍵字擷取檔案211上傳至房屋實價查詢裝置20進行關鍵字搜尋,從房屋實價查詢裝置20取得至少一搜尋結果資料21,由實價比對模組220根據搜尋結果資料21產生出至少一模糊比對擷取資料221得知房屋區域內的實質房價區間以及周遭建物的房價區間做為房價比對的實質根據,再來透過差價預警模組230根據模糊比對擷取資料221產生至少一合理房價資訊231及至少一房價偏差資訊232傳送至案件追蹤裝置300,由追蹤完成模組310接收合理房價資訊231表示房貸案件之房貸額度為合理申貸,產生結案完成通知以示結案。而房價偏差資訊232則由風險處理模組320所接收,其房貸額度與查詢到的房價區間落差過大,將產生貸款收回通知320傳回給案件建立裝置100取消所述房貸案件所申貸的額度,藉此化解可能被有心人士利用造假資訊額外申請貸款的情事發生,達到即時查詢房屋實價區間並且快速進行預警作業之功效。
請參閱圖1,圖1所繪示為實價導入預警複查系統的示意圖。本創作之實價導入預警複查系統10通訊連接外部之一房屋實價查詢裝置20,在較佳的實施例中,房屋實價查詢裝置20為內政部不動產交易實價查詢服務網,在其他實施例中,也能夠為一般房屋買賣仲介網站,藉此即時取得最新的房屋買賣實價。實價導入預警複查系統10包括案件建立裝置100、伺服主機裝置200及案件追蹤裝置300。案件建立裝置100適於建立多筆房貸案件資料110,並將完成建立之房貸案件資料110進行儲存。簡單來說,案件建立裝置100可例如為金融單位之房貸核定管理部門,適於根據客戶所提出之需求建立房貸案件資料110,其中,房貸案件資料110內容包括房屋買賣契約、所得證明文件以及房屋貸款申請總額資料,由案件建立裝置100進行資料建立後儲存以利後續調閱備查。
伺服主機裝置200適於通訊連接至案件追蹤裝置100,伺服主機裝置200包括關鍵字搜尋模組210、實價比對模組220及差價預警模組230。關鍵字搜尋模組210適於根據房貸案件資料110產生至少一關鍵字擷取檔案211。進一步來說,關鍵字搜尋模組210是透過伺服主機裝置200接收房貸案件資料110後,根據房貸案件資料110之內容包括房屋買賣契約、所得證明文件以及房屋貸款申請總額資料進行關鍵字的擷取,擷取後所取得的關鍵字將會彙成關鍵字擷取檔案211,以利後續利用關鍵字擷取檔案211進行資料比對之用途。
實價比對模組220適於將關鍵字擷取檔案211上傳至房屋實價查詢裝置20進行關鍵字搜尋,由房屋實價查詢裝置20產生至少一搜尋結果資料21,實價比對模組220根據搜尋結果資料21產生出至少一模糊比對擷取資料221。詳細來說,伺服主機裝置200可利用實價比對模組220將關鍵字擷取檔案211上傳至房屋實價查詢裝置20以關鍵字的方式查詢最新的房價,從房屋實價查詢裝置20查詢到的結果產生搜尋結果資料21,再透過實價比對模組220根據搜尋結果資料21以模糊比對的方式產出模糊比對擷取資料221,其資料擷取方式可例如為將欲查詢的房屋案件地址輸入後,實價比對模組220會搜尋出鄰近內地址的房屋資料與價格,並且配合上圖片與文字辨識的方式更能夠提高搜尋結果的準確度,藉此達到即時且有效地查詢房屋實價之功效。
差價預警模組230適於根據模糊比對擷取資料221產生至少一合理房價資訊231及至少一房價偏差資訊232。進一步說明,差價預警模組230可根據經過實價比對模組220所擷取的模糊比對擷取資料221中將結果進行分類,其中合理房價資訊231為房屋實價比對後證實欲查詢的房物案件其房價較為合理且無明顯價差,而房價偏差資訊232則為欲查詢的房物案件與市場房價偏差過多且明顯遭有心人士與詐騙集團強制灌水,根據上述結果藉此區分成合理房價資訊231及房價偏差資訊232,以利後續的處理作業能夠有較為準確的依據。
案件追蹤裝置300適於通訊連接至伺服主機裝置200,案件追蹤裝置300包括案件追蹤裝置310、風險處理模組320及強化追蹤模組330。追蹤完成模組310適於接收合理房價資訊231,並根據合理房價資訊231產生至少一結案完成通知311。簡單來說,案件追蹤裝置300之追蹤完成模組310會將符合現今房屋價格的申請房貸案件處理為結案狀態,意指房貸案件資料110經過市場價差比對後,其房價為合理值並無偏差過多有謊報嫌疑,因此將房貸案件資料110完成結案處理。
風險處理模組320適於接收房價偏差資訊232,並根據房價偏差資訊232產生至少一貸款收回通知321,並將貸款收回通知321回傳至案件建立裝置100。詳細來說,案件追蹤裝置300之風險處理模組320適於將屬於房價偏差過多的房貸案件資料110進行風險處理作業,能夠根據房價偏差資訊232所顯示之房價偏差程度進行房貸撤回取消的命令,並且發送通知傳回給案件建立裝置100將該些房貸案件資料110列為黑名單或列管處理,避免有心人士或詐騙集團鑽漏洞意圖浮報房貸收取額外超貸金額。
強化追蹤模組330適於將對應房價偏差資訊232之房貸案件資料110匯出,並將根據房貸案件資料110產生至少一加強追蹤案件資訊331。進一步說明,強化追蹤模組330是能夠將房價偏差範圍較可疑但屬合理範圍內的房價偏差資訊232透過強化追蹤模組330持續重點追蹤其對應之房貸案件資料110,並將該些需要持續追蹤之房貸案件資料110歸類為加強追蹤案件資訊331,以利金融單位之承辦部門藉此資訊觀察該些客戶的申請狀況與市場動向,確保房價與房貸的偏差不會過大而造成損失或遭人濫用。
習知金融單位在處理客戶所提出之房貸申請時,除了需要將該客戶所提出的收入所得、基本資料以及信用審核資料送審之外,也要針對客戶所提出的房貸金額對應市場房價進行審查才能做最後核定。然而現在許多有心人士或詐騙集團透過偽造資料上繳並且採用浮報、超貸等方式試圖將所要申請的房貸拉高以利取得更多貸款金額,但礙於金融單位過往的處理方式無法即時取得房價的最新資訊,僅能透過承辦人員根據欲申辦房貸的房屋所在地進行手動方式查詢房價,且過多人為方式介入容易造成誤判,導致房屋貸款被超額貸款的情事發生,如何避免因人為疏失而導致房貸案件被有心人士趁虛而入取得超額貸款,便成為金融單位所要面臨的議題。
本創作之實價導入預警複查系統10透過案件建立裝置100建立多筆房貸案件資料110,由伺服主機裝置200接收房貸案件資料110後,針對房貸案件資料110之內容進行地址、房價與土地周遭建物的關鍵字擷取,擷取完成後可取得關鍵字擷取檔案211,利用實價比對模組220將關鍵字擷取檔案211上傳至房屋實價查詢裝置20進行關鍵字搜尋,可從房屋實價查詢裝置20取得至少一搜尋結果資料21,接著再由實價比對模組220根據搜尋結果資料21產生出至少一模糊比對擷取資料221,從模糊比對擷取資料221的內容可得知房屋區域內的實質房價範圍以及周遭建物的房價做為房價比對的依據與參考數據,再來透過差價預警模組230根據模糊比對擷取資料221產生至少一合理房價資訊231及至少一房價偏差資訊232傳送至案件追蹤裝置300,由追蹤完成模組310接收合理房價資訊231表示房貸案件之房貸額度為合理申貸,產生結案完成通知以示結案。而房價偏差資訊232則由風險處理模組320所接收,其房貸額度與查詢到的房價區間落差過大,將產生貸款收回通知320傳回給案件建立裝置100取消所述房貸案件所申貸的額度,藉此排除有心人士或詐騙集團採用造假資料申請超額貸款的情事發生,達到即時查詢房屋實價並且能夠快速進行預警作業之功效。
本創作以實施例說明如上,然其並非用以限定本創作所主張之專利權利範圍。其專利保護範圍當視後附之申請專利範圍及其等同領域而定。凡本領域具有通常知識者,在不脫離本專利精神或範圍內,所作之更動或潤飾,均屬於本創作所揭示精神下所完成之等效改變或設計,且應包含在下述之申請專利範圍內。
The real-price import early
10:實價導入預警複查系統 20:房屋實價查詢裝置 21:搜尋結果資料 100:案件建立裝置 110:房貸案件資料 200:伺服主機裝置 210:關鍵字搜尋模組 211:關鍵字擷取檔案 220:實價比對模組 221:模糊比對擷取資料 230:差價預警模組 231:合理房價資訊 232:房價偏差資訊 300:案件追蹤裝置 310:案件追蹤裝置 311:結案完成通知 320:風險處理模組 321:貸款收回通知 330:強化追蹤模組 331:加強追蹤案件資訊 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
圖1所繪示為本創作之實價導入預警複查系統的示意圖。Figure 1 shows a schematic diagram of the early-warning review system for the original creation at a real price.
10:實價導入預警複查系統 10: Import early warning review system at a real price
20:房屋實價查詢裝置 20: House price inquiry device
21:搜尋結果資料 21: Search result data
100:案件建立裝置 100: Case creation device
110:房貸案件資料 110: Housing loan case information
200:伺服主機裝置 200: Servo host device
210:關鍵字搜尋模組 210: Keyword Search Module
211:關鍵字擷取檔案 211: Keyword Extraction File
220:實價比對模組 220: Net price comparison module
221:模糊比對擷取資料 221: Fuzzy comparison to retrieve data
230:差價預警模組 230: Price Difference Warning Module
231:合理房價資訊 231: Reasonable house price information
232:房價偏差資訊 232: House price deviation information
300:案件追蹤裝置 300: Case tracking device
310:案件追蹤裝置 310: Case Tracking Device
311:結案完成通知 311: Notice of completion of case closure
320:風險處理模組 320: Risk Management Module
321:貸款收回通知 321: Loan Recovery Notice
330:強化追蹤模組 330: Enhanced tracking module
331:加強追蹤案件資訊 331: Strengthen the tracking of case information
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TWI830103B (en) * | 2021-12-17 | 2024-01-21 | 信義房屋股份有限公司 | Warning device for customer’s special status |
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TWI830103B (en) * | 2021-12-17 | 2024-01-21 | 信義房屋股份有限公司 | Warning device for customer’s special status |
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