WO2021167071A1 - Dispositif d'aide à l'enregistrement et procédé d'aide à l'enregistrement - Google Patents

Dispositif d'aide à l'enregistrement et procédé d'aide à l'enregistrement Download PDF

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Publication number
WO2021167071A1
WO2021167071A1 PCT/JP2021/006395 JP2021006395W WO2021167071A1 WO 2021167071 A1 WO2021167071 A1 WO 2021167071A1 JP 2021006395 W JP2021006395 W JP 2021006395W WO 2021167071 A1 WO2021167071 A1 WO 2021167071A1
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Prior art keywords
registration
terminal
owner
buyer
data
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PCT/JP2021/006395
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English (en)
Japanese (ja)
Inventor
英明 松山
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英明 松山
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Application filed by 英明 松山 filed Critical 英明 松山
Priority to JP2021511001A priority Critical patent/JP7011368B2/ja
Publication of WO2021167071A1 publication Critical patent/WO2021167071A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/16—Real estate

Definitions

  • the present invention relates to a registration support device and a registration support method that support an application for real estate registration.
  • Real estate registration means registering the physical status and rights of real estate, which is land and buildings, in the register for public announcement.
  • the sale price is settled before the registration of transfer of ownership of the real estate.
  • the ownership transfer registration of the real estate is carried out. Therefore, there is a time lag between the transfer of the purchase cost by the buyer and the application for registration of transfer of ownership, which imposes a heavy burden on the buyer.
  • Patent Document 1 describes an escrow system as a third-party institution independent of parties and stakeholders who buy and sell real estate.
  • the escrow system accepts applications for changes in registration information from the owner, and accepts transfers from the buyer's financial institution upon request from the buyer to the escrow account. After that, the escrow system applies for the ownership transfer registration online at the request of the owner, and after the ownership transfer registration is completed, payment is made from the escrow account to the owner's account.
  • the escrow system as a third-party institution reduces the buyer's anxiety about paying the full amount to the real estate by keeping the purchase cost.
  • the present invention has been made to solve the above-mentioned problems, and provides a registration support device and a registration support method that can reduce the burden on the buyer by reducing the time lag between payment of purchase costs and registration of transfer of ownership.
  • the purpose is to do.
  • the registration support device that achieves the above objectives is a registration support device that supports changes in registration information associated with the sale and purchase of real estate, and is a real estate agent that introduces the owner of the real estate or the seller of the real estate for the owner.
  • Owner-side terminal used by owner-side creditor terminal used by the owner-side creditor who holds a mortgage on the real estate, real estate brokerage that mediates the purchase of real estate for the real estate buyer or the buyer Buyer's terminal used by the trader, agent terminal used by the agent applying for real estate registration, buyer's financial institution terminal used by the buyer's financial institution receiving the request from the buyer, and real estate registration application
  • the buyer's transfer registration document data required for the application for the ownership transfer registration prepared by the buyer is received from the terminal of the agent, and the transfer required for the application for the ownership transfer registration prepared by the agent is received from the agent terminal.
  • the registration support method that achieves the above object is a registration support method that supports an application for real estate registration to an online registration system by a registration support device that can be connected to a communication network, and is for the real estate owner or the owner.
  • the step of receiving the owner-side transfer registration document data required for the application for ownership transfer registration prepared by the owner from the owner-side terminal used by the real estate agent that introduces the seller of the real estate, and the step of receiving the real estate The step of receiving the buyer's transfer registration document data required for the application for ownership transfer registration prepared by the buyer from the buyer's terminal used by the buyer or the real estate broker who mediates the purchase of real estate for the buyer.
  • the registration support device and registration support method configured as described above receive the data necessary for the registration of ownership transfer of real estate, and after receiving the payment confirmation data, the registration of ownership transfer according to the instruction from the agent terminal. It is possible to apply for. Therefore, the agent can promptly register the transfer of ownership after the payment to the owner is confirmed. Therefore, the time lag between payment and registration of transfer of ownership can be reduced, and the burden on the buyer and / or the financial institution on the buyer side can be reduced.
  • the registration support device receives from the owner-side creditor terminal the cancellation registration document data prepared by the owner-side creditor, which is necessary for applying for cancellation of registration that hinders the transfer of ownership of real estate, and at the same time.
  • the erasure registration document management department that receives the erasure registration application document data required for the application for erasure of the registration that hinders the transfer of ownership of the real estate prepared by the agent from the agent terminal, and the owner's side.
  • the owner has a consent data management unit that receives consent data indicating that the owner agrees to disclose the deleted registration document data to the agent from the terminal, and manages the registration application.
  • the department receives the deletion registration document data, the deletion registration application document data, and the deletion registration data including the consent data, and after receiving the payment confirmation data, from the agent terminal. It may be possible to apply for a registration to delete a registration that hinders the transfer of ownership of real estate via the communication network by instructing the registration support device or from the agent terminal using the deletion registration data. As a result, the registration support device receives the data necessary for the cancellation registration of the registration that hinders the transfer of the ownership of the real estate, and after receiving the payment confirmation data, transfers the ownership of the real estate from the agent terminal. Deletion of obstructive registration Allows application for registration. Therefore, the agent can promptly perform the cancellation registration of the registration that hinders the transfer of the ownership of the real estate after the payment to the owner is confirmed.
  • the registration support device since the registration support device has received the consent data in advance, the creditor on the owner side can disclose the cancellation registration document data to the agent. Therefore, the agent can promptly apply for the cancellation registration of the registration that hinders the transfer of ownership of the real estate. Therefore, the time lag between payment and cancellation registration can be reduced, and the burden on the buyer and / or the buyer's financial institution can be reduced.
  • the registration support device receives the buyer-side setting registration document data necessary for the application for the mortgage setting registration prepared by the buyer from the buyer-side terminal, and the buyer-side financial institution from the buyer-side financial institution terminal.
  • the mortgage setting registration that receives the setting registration application document data required for the application for the mortgage setting registration prepared by the agent and receives the setting registration application document data required for the application for the mortgage setting registration prepared by the agent. It has a document management department, and after receiving the mortgage setting registration data including the buyer side setting registration document data, the financial institution side setting registration document data and the setting registration application document data. And after receiving the payment confirmation data, from the registration support device according to the instruction from the agent terminal, or from the agent terminal using the mortgage setting registration data via the communication network. It may be possible to apply for mortgage setting registration.
  • the registration support device can apply for the mortgage setting registration from the agent terminal after receiving the data necessary for the mortgage setting registration of the real estate and receiving the payment confirmation data. Therefore, the agent can quickly register the mortgage after the payment to the owner is confirmed. Therefore, the agent can quickly apply for mortgage setting registration. Therefore, the time lag between payment and mortgage setting registration can be reduced, and the burden on the buyer's financial institution can be reduced.
  • the registration support method is a step of receiving from the owner-side creditor terminal the cancellation registration document data prepared by the owner-side creditor, which is necessary for applying for cancellation of registration that hinders the transfer of ownership of real estate. And the step of receiving the deletion registration application document data necessary for the application for deletion of the registration that hinders the transfer of ownership of the real estate prepared by the agent from the agent terminal, and from the terminal on the owner side. , The step of receiving the consent data indicating that the owner agrees to disclose the deleted registration document data to the agent, the deleted registration document data, and the deleted registration application document data. And after receiving the deletion registration data including the consent data and after receiving the payment confirmation data, the registration support device or the agent terminal according to an instruction from the agent terminal.
  • the registration support method receives the data necessary for the registration cancellation registration that hinders the transfer of ownership of the real estate, and after receiving the payment confirmation data, applies for the mortgage cancellation registration from the agent terminal. Make it possible. Therefore, the agent can promptly perform the cancellation registration of the registration that hinders the transfer of the ownership of the real estate after the payment to the owner is confirmed.
  • the registration support device since the registration support device has received the consent data in advance, the creditor on the owner side can disclose the cancellation registration document data to the agent. Therefore, the agent can promptly apply for the cancellation registration of the registration that hinders the transfer of ownership of the real estate. Therefore, the time lag between payment and cancellation registration can be reduced, and the burden on the buyer and / or the buyer's financial institution can be reduced.
  • the registration support method includes a step of receiving the buyer-side setting registration document data required for the application for the mortgage setting registration prepared by the buyer from the buyer-side terminal, and the buyer-side financial institution terminal from the buyer-side financial institution terminal.
  • the mortgage setting registration data including the buyer side setting registration document data, the financial institution side setting registration document data, and the setting registration application document data, and the above
  • After receiving the payment confirmation data apply for mortgage setting registration via the communication network using the mortgage setting registration data from the registration support device or from the agent terminal according to the instruction from the agent terminal.
  • the registration support method makes it possible to apply for mortgage setting registration from the agent terminal after receiving the data necessary for the mortgage setting registration of the real estate and receiving the payment confirmation data. Therefore, the agent can quickly register the mortgage after the payment to the owner is confirmed. Therefore, the agent can quickly apply for mortgage setting registration. Therefore, the time lag between payment and mortgage setting registration can be reduced, and the burden on the buyer's financial institution can be reduced.
  • the registration support system 10 having the registration support device 90 is a system that supports a real estate registration application performed via a communication network 300 such as the Internet.
  • the registration support system 10 is used when selling real estate such as land and buildings owned by the owner to the buyer.
  • the registration support system 10 stores the documents required for mortgage cancellation registration, ownership transfer registration, and mortgage setting registration as electronic data without inadvertently tampering, and promptly, at the desired timing, the online application system of the Legal Affairs Bureau. We can help you apply to 310.
  • the owner sells the real estate such as land and buildings he owns to the buyer.
  • Real estate owned by the owner may or may not have a mortgage registered. If the owner receives a loan from the owner's creditor such as a bank and has not paid off, a mortgage is set on the real estate to secure this loan. If the property to be sold is mortgaged, the owner may use at least a portion of the amount paid by the buyer for repayment.
  • the owner requests the owner's intermediary to mediate the sale of the real estate.
  • the owner requests an agent to apply for mortgage cancellation registration of the real estate to be sold. That is, the owner requests the agent to register in order to peripherally or cancel the registration that impedes the transfer of ownership.
  • Registrations that impede the transfer of ownership of real estate include, but are not limited to, mortgages, security interests, liens, superficies, and usufructs such as rental rights.
  • the owner's creditor has the right to prevent the transfer of ownership of the property.
  • the Owner may pay at least a portion of the amount paid by the Buyer to peripheral or terminate these rights.
  • the creditor on the owner side is not limited to a financial institution such as a bank that provides loans, but may be a national government, a tax office, an administrative agency, an individual, a corporation, or the like.
  • the buyer purchases the real estate owned by the owner. At the time of purchase, the buyer may purchase the real estate with his / her own funds, or may receive a loan from the buyer's financial institution and allocate it to at least a part of the purchase price. In addition, the buyer requests the broker on the buyer's side to mediate the purchase of real estate. In addition, the buyer requests the agent to apply for registration of transfer of ownership of the real estate.
  • the agent is, for example, a judicial scrivener or a lawyer. When the buyer receives a loan from the buyer's financial institution, the buyer requests an agent to apply for mortgage setting registration of the real estate to be purchased.
  • the above-mentioned mortgage cancellation registration, ownership transfer registration, and mortgage setting registration may be performed by the same agent, but may be performed by different agents.
  • the agents who perform the mortgage cancellation registration, the ownership transfer registration, and the mortgage setting registration may all be different.
  • the registration support system 10 includes an owner terminal 20 used by the owner, an owner-side intermediary terminal 30 used by the owner-side intermediary, and an owner-side creditor terminal 40 used by the owner-side creditor.
  • a registration support device 90 used by the agent.
  • Owner terminal 20 owner side intermediary terminal 30, owner side creditor terminal 40, buyer terminal 50, buyer side intermediary terminal 60, buyer side financial institution terminal 70, agent terminal 80, registration support device 90 and online
  • the application system 310 is communicably connected via the communication network 300, but does not need to be always connected.
  • the owner terminal 20 is a terminal used by an owner who sells real estate such as land and buildings.
  • the owner-side creditor terminal 40 is a terminal used by the owner-side creditor.
  • the owner's creditor may have registered to prevent the transfer of ownership of the property owned by the owner to be sold.
  • the creditor on the owner side provides a loan to the owner and sets a mortgage to secure the claim of the real estate will be described. At least a portion of the money the owner gets from selling the property will be used to pay off the loan.
  • the owner's creditor will give the owner a document to cancel the mortgage when the loan is paid off.
  • the owner-side broker terminal 30 is a terminal used by a real estate broker who introduces the seller of the real estate for the owner.
  • the owner-side broker usually introduces the real estate information to another real estate broker (buyer-side broker), and receives the buyer's referral from the other real estate broker.
  • the owner-side intermediary who receives the request from the owner of the property has the right to negotiate with the owner.
  • the owner-side intermediary terminal 30 may be able to perform all or at least a part of data transmission and reception performed by the owner terminal 20 on behalf of the owner terminal 20. Therefore, depending on the setting, the registration support device 90 may send / receive data to / from the owner terminal 20 to / from the owner side intermediary terminal 30.
  • the buyer terminal 50 is a terminal used by a buyer who purchases real estate from the owner.
  • the buyer-side financial institution terminal 70 is a terminal used by a financial institution that makes a transfer when the buyer purchases real estate.
  • the buyer-side financial institution terminal 70 may be a terminal used by a financial institution that provides a loan to the real estate purchased by the owner.
  • the buyer's financial institution may finance at least a portion of the purchase price of the property purchased by the buyer.
  • the owner-side creditor and the buyer-side financial institution are different financial institutions, but they may be the same financial institution. In this case, the buyer-side financial institution terminal 70 is also the owner-side creditor terminal 40.
  • the buyer-side broker terminal 60 is a terminal used by a real estate agent who arranges real estate introduced by the owner-side broker to the buyer.
  • the buyer-side broker does not have the right to directly negotiate with the owner of the real estate, and negotiates various conditions between the buyer and the owner-side broker.
  • the buyer-side intermediary may be the owner-side intermediary. In this case, the buyer-side intermediary terminal 60 is also the owner-side intermediary terminal 30.
  • the buyer-side intermediary terminal 60 may be able to perform all or at least part of the data transmission and reception performed by the buyer terminal 50 on behalf of the buyer terminal 50. Therefore, depending on the settings, the registration support device 90 may send / receive data to / from the buyer terminal 50 to / from the buyer side intermediary terminal 60.
  • the agent terminal 80 is a terminal used by an agent who applies for registration. At the request of the owner or the buyer, the agent applies for the registration of transfer of ownership of the real estate to be sold. When there are a plurality of agents, each agent terminal 80 uses a different agent terminal 80.
  • the owner terminal 20, the owner side intermediary terminal 30, the owner side creditor terminal 40, the buyer terminal 50, the buyer side intermediary terminal 60, the buyer side financial institution terminal 70, and the agent terminal 80 are, for example, personal computers. It consists of a mobile terminal such as a mobile phone or tablet, or a dedicated device.
  • one real estate transaction will be described as an example, but in the actual registration support system 10, the owner terminal 20, the owner-side intermediary terminal 30, and the owner-side creditor are used for each real estate transaction.
  • the registration support device 90 includes an owner terminal 20, an owner-side intermediary terminal 30, an owner-side creditor terminal 40, a buyer-side terminal 50, a buyer-side intermediary terminal 60, a buyer-side financial institution terminal 70, and an agent terminal 80. And are connected so as to be able to communicate via the communication network 300.
  • the registration support device 90 is a large-capacity server or computer for supporting the change of real estate registration information via the communication network 300.
  • the registration support device 90 includes a storage device 91, a processing device 92, and a communication device 93 as a physical configuration of hardware, as shown in FIG.
  • the storage device 91 is, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a hard disk, an optical disk or the like.
  • the storage device 91 includes owner information, owner-side intermediary information, owner-side creditor information, buyer information, buyer-side intermediary information, agent information, buyer-side financial institution information, and programs. Etc. can be written or read according to the processing status.
  • the storage device 91 is transmitted from the owner terminal 20, the owner side intermediary terminal 30, the owner side creditor terminal 40, the buyer terminal 50, the buyer side intermediary terminal 60, the buyer side financial institution terminal 70, and the agent terminal 80.
  • the received information (electronic data) can be written or read according to the processing status.
  • the processing device 92 is, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like.
  • the processing device 92 executes the program stored in the storage device 91 by using the RAM as a work area to perform arithmetic processing, operates the communication device 93 and the storage device 91 according to the program, and executes the program on the communication network 300. .. That is, the registration support system 10 according to the present embodiment is stored in, for example, the storage device 91 of the registration support device 90.
  • the registration support system 10 may be executed by cloud computing that uses a plurality of computer resources via the communication network 300.
  • the registration support device 90 connected via the communication network 300 is the owner terminal 20, the owner side intermediary terminal 30, the owner side creditor terminal 40, the buyer terminal 50, and the buyer side intermediary terminal. 60, an interface device for communicating with the buyer side financial institution terminal 70, the agent terminal 80, and the like.
  • the communication device 93 can communicate with a large number of terminals at the same time.
  • the registration support device 90 includes a consent data management unit 100, an identity verification data management unit 110, a contact management unit 120, a cancellation amount information management unit 130, a denomination information management unit 140, and the like.
  • the consent data management unit 100 manages the consent data 101 indicating that the owner agrees that the owner's creditor discloses the documents related to the mortgage cancellation prepared by the owner's creditor to the agent. .. If the owner's creditor does not have the consent data 10, the owner's creditor will act on behalf of the document because the documents related to the mortgage cancellation prepared by the owner's creditor include the owner's personal information. Cannot be disclosed to people. Documents that cannot be disclosed to the agent without the consent data 10 are, for example, a registration certificate, a mortgage cancellation certificate, a repayment certificate, registration cause proof information, and the like.
  • the consent data management unit 100 transmits an input screen to the owner terminal 20.
  • the owner can operate the owner terminal 20 to send the consent data 101 to the consent data management unit 100, and the consent data management unit 100 can receive the consent data 101.
  • the consent data management unit 100 stores and stores the received consent data 101.
  • the consent data 101 includes image data such as a PDF that is digitized by scanning a sales contract or consent form with a name and seal, image data input from the owner terminal 20 and digitally signed with a touch pen, a finger, or the like. Image data or the like with a digital signature.
  • the identity verification data management unit 110 manages identity verification data indicating that the owner and the buyer who use the registration support system 10 are the identity.
  • the identity verification data management unit 110 transmits an input screen to the owner terminal 20.
  • the owner can operate the owner terminal 20 to send his / her own owner identification data 111 to the identity verification data management unit 110, and the identity verification data management unit 110 can receive the owner identification data 111.
  • the identity verification data management unit 110 transmits an input screen to the buyer terminal 50.
  • the buyer can operate the buyer terminal 50 to send his / her own buyer identity verification data 112 to the identity verification data management unit 110, and the identity verification data management unit 110 can receive the buyer identity verification data 112.
  • the buyer-side intermediary terminal 70 can perform all or at least a part of data transmission and reception performed by the buyer terminal 50 on behalf of the buyer terminal 50.
  • the owner and buyer's identity verification data is, for example, image data obtained by scanning a resident's card, driver's license, passport, health insurance card, pension book, personal number card, etc. and digitizing them.
  • the identity verification data management unit 110 may confirm the authenticity of the identity verification data by a program such as AI (artificial intelligence) provided in the registration support device 90.
  • the identity verification data is biometric information such as image data of the person acquired by the camera or various sensors possessed by the owner terminal 20.
  • the identity verification data management unit 110 analyzes biometric information by a program (AI, etc.) provided in the registration support device 90, and determines the authenticity of the identity by fingerprint authentication, hand or finger vein authentication, or face authentication. , May be confirmed by biometric authentication such as iris recognition.
  • the owner identity verification data 111 is used when making a real estate sales contract, mortgage cancellation registration, ownership transfer registration, and the like.
  • the buyer identity verification data 112 is used when making a real estate sales contract, ownership transfer registration, mortgage setting registration, and the like.
  • the contact management unit 120 manages the contact of information indicating that the sales contract has been finalized.
  • the contact management unit 120 transmits an input screen to the owner terminal 20.
  • the owner operates the owner terminal 20 to provide the contact data 121, which is information indicating that the sales contract has been finalized and the determined settlement date, to the owner terminal 20. Can be sent to the contact management unit 120.
  • the contact management unit 120 transmits the information of the contact data 121 to the creditor terminal 40 on the owner side. As a result, the owner can easily and surely notify the creditor on the owner side that the sales contract has been finalized and the determined settlement date.
  • the input screen displayed on the owner terminal 20 is not particularly limited, but for example, payment can be made from a button or check box that can easily notify information indicating that the sales contract has been confirmed by selecting, a scroll screen, a calendar, or the like. It may have a button that allows you to select a day and notify it, or an entry field that allows you to enter characters by typing.
  • the contact management unit 120 causes the creditor terminal 40 on the owner side to display information indicating that the sales contract has been finalized and the settlement date in characters or the like.
  • the owner-side creditor who has been notified of the information of the contact data 121 including the settlement date sends the owner-side creditor data 131 including the mortgage cancellation amount calculated from the settlement date and the interest rate and the information of the transfer destination account. It is input to the person terminal 40 and transmitted to the erasure amount information management unit 130. Even if the input screen displayed on the creditor terminal 40 on the owner side has, for example, an entry field in which data 131 such as the mortgage cancellation amount and the cancellation amount including the transfer destination account information can be entered and transmitted by typing. good.
  • the erasure amount information management unit 130 transmits the received information of the erasure amount data 131 to the owner terminal 20.
  • the creditor on the owner side can easily transmit the information of the data 131 such as the amount of cancellation.
  • the owner can easily receive the information of the data 131 such as the mortgage cancellation amount and the cancellation amount including the transfer destination account information.
  • the information on the transfer destination account is not necessary.
  • the denomination information management unit 140 manages information on the denomination of the repayment repayment by the owner.
  • the denomination information management unit 140 transmits an input screen to the owner terminal 20.
  • the owner operates the owner terminal 20 to provide information on one or more transfer accounts to be transferred by the buyer and the transfer amount to each transfer account.
  • the denomination information data 141 including the above can be transmitted from the owner terminal 20 to the denomination information management unit 140.
  • One of the account information is the transfer destination account notified by the creditor on the owner side to the cancellation amount information management unit 130. Therefore, the denomination information management unit 140 may receive the information of the transfer destination account of the owner side creditor from the cancellation amount information management unit 130 and transmit the information to the owner terminal 20.
  • the owner can easily notify the buyer and the buyer's financial institution of one or more account information and the denomination information data 141 including the transfer amount of each account.
  • the input screen displayed on the owner terminal 20 may have, for example, a selectable button or an entry field in which characters can be input by typing.
  • the denomination information management unit 140 transmits the received denomination information data 141 to the buyer terminal 50 and the buyer side financial institution terminal 70. As a result, the buyer and the financial institution on the buyer's side can easily obtain information on the transfer destination account and the transfer amount.
  • the cancellation registration document management unit 150 manages the documents required for the cancellation registration prepared by the creditor on the owner side.
  • the deletion registration document management unit 150 transmits an input screen to the creditor terminal 40 on the owner side.
  • the owner-side creditor can operate the owner-side creditor terminal 40 to send the cancellation registration document data 151 before the loan is paid off, and the cancellation registration document management unit 150 sends the cancellation registration document data 151.
  • the cancellation registration document data 151 is electronic data of documents that the creditor on the owner side gives to the owner who has paid off the loan after the loan has been paid off.
  • the deletion registration document data 151 is image data or text data such as a PDF obtained by scanning registration identification information or registration certificate, mortgage cancellation certificate or payment certificate, registration cause certification information, power of attorney, or the like.
  • the erasure registration document management unit 150 stores and stores the received erasure registration document data 151.
  • the deletion registration document management unit 150 may confirm that there is no problem in the deletion registration document data 151 by a program such as AI
  • the deletion registration document management unit 150 transmits an input screen to the agent terminal 80.
  • the agent transmits the deletion registration application document data 152 to the deletion registration document management unit 150.
  • the deletion registration application document data 152 is image data such as a PDF obtained by scanning a registration application form, a power of attorney, etc., which the owner has signed and stamped at the time of settlement.
  • the deletion registration document management unit 150 stores and stores the received deletion registration application document data 152.
  • the deletion registration document management unit 150 sends the deletion registration application document data 152 created by the agent or automatically created by a program such as AI to the owner terminal 20 before the registration is stamped. You may send it.
  • the owner can electronically sign or digitally sign the deletion registration application document data 152 from the owner terminal 20 with a touch pen, a finger, or the like, and then send the data to the deletion registration document management unit 150.
  • the owner may print the deletion registration application document data 152, seal the name, and then scan and digitize the image data such as PDF, which may be transmitted from the owner terminal 20 to the deletion registration document management unit 150. ..
  • the transfer registration document management department 160 manages the documents required for transfer registration prepared by the owner, the buyer and the agent.
  • the transfer registration document management unit 160 transmits an input screen to the owner terminal 20.
  • the owner can operate the owner terminal 20 to send the owner-side transfer registration document data 161 necessary for the transfer registration of the real estate prepared by the owner to the transfer registration document management unit 160, and the transfer registration document management unit 160.
  • the owner-side transfer registration document data 161 is electronic data of documents prepared by the owner and required for a real estate sales contract.
  • the owner-side transfer registration document data 161 is image data or text data such as a PDF that is digitized by scanning a seal stamp certificate or a title.
  • the transfer registration document management unit 160 stores and stores the received transfer registration document data 161 on the owner side.
  • the transfer registration document management unit 160 may confirm that there is no problem in the transfer registration document data 161 on the owner side by a program such as AI provided in the registration support device 90.
  • the transfer registration document management unit 160 sends an input screen to the buyer terminal 50.
  • the buyer operates the buyer terminal 50 to transmit the buyer side transfer registration document data 162.
  • the buyer side transfer registration document data 162 is image data such as a PDF that is digitized by scanning a resident's card, a company copy when the buyer is a corporation, and the like.
  • the transfer registration document management unit 160 stores and stores the received transfer registration document data 162 on the buyer side.
  • the transfer registration document management unit 160 may confirm that there is no problem in the transfer registration document data 162 on the buyer side by a program such as AI provided in the registration support device 90.
  • the transfer registration document management unit 160 transmits an input screen to the agent terminal 80.
  • the agent Prior to the settlement, the agent prepares the transfer registration application document data 163 before the signature is stamped and sends it to the transfer registration document management unit 160.
  • the transfer registration document management unit 160 stores and stores the transfer registration application document data 163 before the received signature is stamped.
  • the transfer registration application document data 163 is image data and text such as PDF that is digitized by scanning the registration application, registration certificate, sales contract certificate, registration cause proof information, real estate fixed asset evaluation certificate, power of attorney, etc. It is data.
  • the agent scans each document signed and stamped by the owner and the buyer to obtain digitized image data such as PDF, and transfers from the agent terminal 80 to the transfer registration document management unit 160. Can be sent to.
  • the transfer registration document management unit 160 stores and stores the received transfer registration application document data 163. Alternatively, the transfer registration document management unit 160 transmits the transfer registration application document data 163 created by the agent or automatically created by a program such as AI of the registration support device 90 before the name is stamped to the owner terminal. It may be transmitted to 20 and the buyer terminal 50.
  • the owner terminal 20 and the buyer terminal 50 electronically sign or digitally sign the transfer registration application document data 163 from the owner terminal 20 and the buyer terminal 50 with a touch pen, a finger, or the like, and then perform the transfer registration. It can be sent to the document management unit 160.
  • the owner and the buyer may send the image data such as PDF, which is scanned and digitized after printing the document and stamping the name, from the owner terminal 20 and the buyer terminal 50 to the transfer registration document management unit 160. good.
  • the mortgage setting registration document management unit 170 manages the documents required for mortgage setting registration prepared by the buyer, the buyer's financial institution and the agent.
  • the mortgage setting registration document management unit 170 transmits an input screen to the buyer terminal 50.
  • the buyer operates the buyer terminal 50 to transmit the buyer-side setting registration document data 171 necessary for the mortgage setting registration of the real estate prepared by the buyer.
  • the registration document data 171 set on the buyer side is image data such as PDF that is digitized by scanning a seal stamp certificate or the like.
  • the mortgage setting registration document management unit 170 stores and stores the received buyer side setting registration document data 171.
  • the mortgage setting registration document management unit 170 sends an input screen to the buyer's financial institution terminal 70.
  • the financial institution on the buyer side can operate the financial institution terminal 70 on the buyer side to send the registration document data 172 set on the financial institution side, and the mortgage setting registration document management unit 170 can receive the registration document data 172 set on the financial institution side. ..
  • the registration document data 172 set by the financial institution is electronic data of documents that the financial institution on the buyer side gives to the buyer of the loanee after the loan contract.
  • the registration document data 172 set by the financial institution is image data or text data such as PDF that is digitized by scanning registration cause proof information (mortgage setting contract certificate, etc.), qualification certificate, power of attorney, and the like.
  • the mortgage setting registration document management unit 170 stores and stores the received financial institution side setting registration document data 172.
  • the mortgage setting registration document management unit 170 may confirm that there is no problem in the financial institution side setting registration document data 172 by a program such as AI provided in the registration support device 90.
  • the mortgage setting registration document management unit 170 sends an input screen to the agent terminal 80.
  • the agent transmits the setting registration application document data 173 before, at the time of settlement, or after the settlement.
  • the setting registration application document data 173 is image data or text data such as a PDF obtained by scanning a registration application form, a registration certificate, registration cause proof information, a power of attorney, and the like.
  • the agent can scan each document signed and stamped by the buyer and the financial institution on the buyer's side to obtain digitized image data such as PDF, which can be transmitted from the agent terminal 80 to the transfer registration document management unit 160.
  • the transfer registration document management unit 160 stores and stores the received setting registration application document data 173.
  • the mortgage setting registration document management unit 170 purchases the setting registration application document data 173 created by the agent or automatically created by a program such as AI of the registration support device 90 before the name is stamped. It may be transmitted to the side financial institution terminal 70 and the buyer terminal 50.
  • the buyer-side financial institution terminal 70 and the buyer-side terminal 50 register the mortgage setting from the buyer-side financial institution terminal 70 and the buyer-end by scanning and digitizing image data such as PDF after printing the document and stamping the name. It may be sent to the document management unit 170.
  • the payment management unit 180 manages the buyer's payment.
  • the payment management unit 180 transmits an input screen to the agent terminal 80.
  • the payment management unit 180 determines that the data necessary for the application for registration to be carried out is complete, the payment management unit 180 transmits information indicating that the data is complete to the agent terminal 80 and can browse each data to the agent terminal 80. Send to.
  • the payment management unit 180 may transmit the data to the agent terminal 80 in order from the received data so that the data can be viewed.
  • the payment management unit 180 transmits the deletion registration document data 151 to the agent terminal 80 so as to be viewable, it is preferable that the payment management unit 180 processes the data so that it cannot be used for the deletion registration.
  • the payment management unit 180 may perform image processing so as to hide a part of the image data of the deletion registration document data 151.
  • the payment management unit 180 displays the deleted registration document data 151 that can be viewed on the agent terminal 80 on the agent terminal 80 so that it cannot be downloaded to the agent terminal 80 or saved by image capture. Can be done. It is preferable that the payment management unit 180 can arbitrarily set which information is prevented from being downloaded to the agent terminal 80 or saved by image capture.
  • the agent can confirm that there is no problem in each data by the agent terminal 80. After confirming that there is no problem, the agent transmits information indicating that there is no problem in the data from the agent terminal 80 to the payment management unit 180.
  • the payment management unit 180 When the payment management unit 180 receives the information indicating that the data necessary for the application for registration to be carried out is complete and there is no problem with the data, the payment management unit 180 sends the information indicating that the transaction is possible to the terminals of all parties concerned. Send.
  • the payment management unit 180 may receive information indicating that there is no problem in the data from a program (AI or the like) provided in the registration support device 90.
  • the program can check if there is a problem with the data. If the registration to be carried out is mortgage cancellation registration, ownership transfer registration and mortgage setting registration, the data required for the application for registration to be carried out is the data required for the application for mortgage cancellation registration (erasure registration document data 151).
  • And deletion registration application document data 152 data necessary for application for ownership transfer registration (owner side transfer registration document data 161, buyer side transfer registration document data 162 and transfer registration application document data 163) and mortgage setting registration
  • the data required for the application buyer side setting registration document data 171 and financial institution side setting registration document data 172 and setting registration application document data 173).
  • the payment management unit 180 transmits a payment instruction screen including a button for instructing payment to the buyer terminal 50. do.
  • the buyer can transmit the payment instruction data 181 instructing the execution of payment by operating the buyer terminal 50 and selecting a button or the like on the payment instruction screen.
  • the payment management unit 180 After receiving the payment instruction data 181, the payment management unit 180 transmits information instructing the execution of payment to the buyer side financial institution via the buyer side financial institution terminal 70 or the buyer's financial institution's net banking system.
  • the input screen displayed on the buyer terminal 50 may have, for example, a selectable button or an entry field in which characters can be input by typing.
  • the cooperation between the registration support system 10 and the net banking system can be realized by, for example, API (Application Programming Interface) cooperation.
  • the buyer's financial institution confirms that there are no problems with the procedure, and if it determines that there are no problems, it remits the loan amount to the buyer's account.
  • the buyer-side financial institution transmits information indicating that the loan has been made to the payment management unit 180 from the buyer-side financial institution terminal 70 or the online banking system of the buyer-side financial institution.
  • the payment management unit 180 receives information indicating that the loan has been made, and then designates the owner to the buyer's financial institution via the buyer's financial institution terminal 70 or the buyer's financial institution's net banking system. Make payments to one or more accounts.
  • the buyer-side financial institution transmits information indicating that the remittance has been made to the payment management unit 180 from the buyer-side financial institution terminal 70 or the online banking system of the buyer-side financial institution.
  • the payment management unit 180 receives the payment instruction data 181 and the information indicating that the remittance has been sent, and then notifies the buyer terminal 50 of the completion of the payment, including a button for notifying the related parties of the completion of the payment. Send the screen.
  • the buyer can send payment notification data 182 notifying that payment has been completed by operating the buyer terminal 50 and selecting a button or the like on the transfer completion notification screen.
  • the payment management unit 180 After receiving the payment notification data 182, the payment management unit 180 notifies, for example, the owner terminal 20 and the owner side creditor terminal 40 that the payment has been completed.
  • the payment management unit 180 may directly notify the owner terminal 20 and the owner side creditor terminal 40 that the payment has been completed without sending the transfer completion notification screen to the buyer terminal 50. ..
  • the payment management department 190 manages the payment status to the owner.
  • the deposit management unit 190 transmits an input screen to the owner and / or the creditor on the owner side. After confirming the payment from the buyer, the owner or the creditor on the owner side operates the owner terminal 20 or the creditor terminal 40 on the owner side to obtain the payment confirmation data 191 indicating that the payment has been made. , Send to the payment management unit 190.
  • the input screen displayed on the owner terminal 20 or the owner-side creditor terminal 40 may have, for example, a selectable button or an entry field in which characters can be input by typing. If the registration support system 10 and the bank's online banking system are linked, for example, by API or the like, the deposit management unit 190 provides the deposit confirmation data 191 indicating that the deposit has been made to the bank's system. Can be received from.
  • Registration application management department 200 manages registration applications to the Legal Affairs Bureau.
  • the registration application management unit 200 uses the online application system 310 of the Legal Affairs Bureau to apply document data necessary for application for mortgage cancellation registration, ownership transfer registration, and mortgage setting registration from the agent terminal 80 via the communication network 300. Submit to the Legal Affairs Bureau.
  • the cooperation between the registration support system 10 and the online application system of the Legal Affairs Bureau can be realized by, for example, API cooperation.
  • the status management unit 210 manages the status of each data stored in the registration support device 90.
  • the status management unit 210 determines the existence / nonexistence of each data stored in the registration support device 90, the date and time when the data was transmitted, information indicating that the stored data has not been changed, and changes when the transmitted data is changed. Record and store information such as the facts that have been changed, the date and time of change, programs such as AI, and whether or not approval has been given by an agent. Therefore, the status management unit 210 can display the data on the agent terminal 80 so that it can be confirmed whether or not there is a problem with each data. After confirming each data, if there is no problem, the agent operates the agent terminal 80 to transmit approval data 211 indicating that each data has no problem.
  • the registration support device 90 receives and stores the approval data 211 from the agent terminal 80 by the status management unit 210.
  • the registration support device 90 does not have all the document data necessary for applying for mortgage cancellation registration, ownership transfer registration, and mortgage setting registration, that is, in a state before settlement of real estate transactions, the owner and the owner. It is possible to accept transmission of each data to the registration support device 90 from the side intermediary, the owner side creditor, the buyer, the buyer side intermediary, the buyer side financial institution and the agent (step S01). The registration support device 90 transmits an input screen to the terminals involved in the transaction so that the data to be transmitted by each terminal can be transmitted.
  • the owner transmits consent data 101 by the owner terminal 20 in which the creditor on the owner side agrees to disclose the mortgage cancellation related documents to the agent (step S02).
  • the registration support device 90 receives and stores the consent data 101 from the owner terminal 20 by the consent data management unit 100.
  • the owner transmits the owner identification data 111 from the owner terminal 20 to the identity verification data management unit 110 at the time of the real estate sales contract or settlement (step S03). This confirms that the owner who performs the procedure by this system is the person himself / herself.
  • the registration support device 90 receives and stores the owner identity verification data 111 from the owner terminal 20 by the identity verification data management unit 110.
  • the owner transmits contact data 121 indicating that the sales contract has been finalized and the settlement date from the owner terminal 20 after the real estate sales contract has been made and before the settlement (step S04).
  • the registration support device 90 receives and stores the contact data 121 from the owner terminal 20 by the contact management unit 120. After receiving the contact data 121, the registration support device 90 transmits the information contained in the contact data 121 to the creditor terminal 40 on the owner side (step S05). As a result, the owner can easily and surely notify the creditor on the owner side that the sales contract has been finalized and the determined settlement date.
  • the owner financial institution When the owner financial institution receives the contact data 121 including the settlement date information from the creditor terminal 40 on the owner side, the owner financial institution calculates the mortgage cancellation amount from the settlement date and the interest rate, and calculates the mortgage cancellation amount and the transfer destination account.
  • the data 131 including the mortgage amount is input to the creditor terminal 40 on the owner side and transmitted to the erasure amount information management unit 130 (step S06).
  • the registration support device 90 receives the data 131 such as the amount of deletion from the creditor terminal 40 on the owner side by the deletion amount information management unit 130, the registration support device 90 stores the data. Further, the owner financial institution transmits the cancellation registration document data 151 by the owner side creditor terminal 40 (step S07).
  • the registration support device 90 receives the deletion registration document data 151 from the owner side creditor terminal 40 by the deletion registration document management unit 150 and stores it.
  • the registration support device 90 After receiving the data 131 such as the amount of erasure, the registration support device 90 transmits the information included in the data 131 such as the amount of erasure to the owner terminal 20 (step S08). This allows the owner to obtain information on the mortgage cancellation amount and the transfer account.
  • the registration support device 90 When the registration support device 90 receives the consent data 101 and the deletion registration document data 151, the registration support device 90 transmits the deletion registration document data 151 to the agent terminal 80 so as to be viewable (step S09). As a result, the agent can confirm the deletion registration document data 151. That is, by preparing the consent data 101 in advance, the creditor on the owner side can disclose the mortgage cancellation related documents to the agent.
  • the deletion registration document data 151 cannot be viewed or downloaded from terminals other than the owner-side creditor terminal 40, the owner terminal 20, and the agent terminal 80. Therefore, the registration support system 10 can ensure the security of transactions.
  • the owner After receiving the information contained in the data 131 such as the amount of erasure, and before the settlement, the owner has one or more transfer accounts and denominations including the transfer amount from the owner terminal 20 to the denomination information management unit 140.
  • Information data 141 is transmitted (step S10).
  • the registration support device 90 receives the denomination information data 141 from the owner terminal 20 by the denomination information management unit 140 and stores it.
  • the owner transmits the transfer registration document data 161 on the owner side from the owner terminal 20 to the transfer registration document management unit 160 before the settlement (step S11).
  • the registration support device 90 receives and stores the owner-side transfer registration document data 161 from the owner terminal 20 by the transfer registration document management unit 160.
  • the buyer transmits the buyer identity verification data 112 from the buyer terminal 50 by the identity verification data management unit 110 at the time of a real estate sales contract or settlement (step S12). As a result, it is confirmed that the buyer who performs the procedure by this system is the person himself / herself.
  • the registration support device 90 receives and stores the buyer identity verification data 112 from the buyer terminal 50 by the identity verification data management unit 110.
  • the buyer transmits the buyer side transfer registration document data 162 (step S13) and the buyer side setting registration document data 171 (step S14) from the buyer terminal 50 before the settlement.
  • the registration support device 90 receives the buyer side transfer registration document data 162 from the buyer terminal 50 by the transfer registration document management unit 160, and receives and stores the buyer side setting registration document data 171 by the mortgage setting registration document management unit 170. do.
  • the buyer-side financial institution transmits the financial institution-side setting registration document data 172 by the buyer-side financial institution terminal 70 before settlement (step S15).
  • the registration support device 90 receives and stores the financial institution side setting registration document data 172 from the buyer side financial institution terminal 70 by the mortgage setting registration document management unit 170.
  • the agent Before the settlement, the agent creates the deletion registration application document data 152, the transfer registration application document data 163, and the setting registration application document data 173 before the signature is stamped by the agent terminal 80, and transmits the setting registration application document data 173 to the registration support device 90. ..
  • the registration support device 90 receives a request from the agent terminal 80 (for example, selection of a button on the screen) to input electronic data that can be entered before filling in the deletion registration application document, the transfer registration application document, and the setting registration application document.
  • the agent terminal 80 may be able to be transmitted.
  • the agent uses the electronic data before filling in each document received by the agent terminal 80 to obtain the deletion registration application document data 152, the transfer registration application document data 163, and the setting registration application document data 173 before the signature is stamped.
  • the registration support device 90 receives the deletion registration application document data 152 from the agent terminal 80 by the deletion registration document management unit 150, receives the transfer registration application document data 163 by the transfer registration document management unit 160, and registers the mortgage setting.
  • the document management unit 170 receives and stores the setting registration application document data 173.
  • the agent prints out the deletion registration application document data 152 before the signature is stamped and shows it to the owner. (Step S16).
  • the agent prints the transfer registration application document data 163 before the signature is stamped and shows it to the owner and the buyer, and after having the signature stamped, digitizes it as image data from the agent terminal 80. It is transmitted to the registration support device 90 (step S17).
  • the agent prints the setting registration application document data 173 before the signature is stamped and shows it to the buyer, and after having the signature stamped, digitizes it as image data and uses the registration support device from the proxy terminal 80. It is transmitted to 90 (step S18).
  • the name-stamped deletion registration application document data 152, the transfer registration application document data 163, and the setting registration application document data 173 are stored in the registration support device 90.
  • the name stamp may be an electronic signature such as a digital signature. In this case, the agent does not have to print and scan each document.
  • the registration support device 90 For each data received, the registration support device 90 has changed the display indicating the existence or nonexistence of the data, the display indicating the date and time when the data was transmitted, the information indicating that the stored data has not been changed, and the transmitted data.
  • Information indicating the fact that the case has been changed (for example, display of the changed date and time) is transmitted to the set terminal (for example, the terminals of all parties concerned).
  • the owner, the owner-side intermediary, the owner-side creditor, the buyer, the buyer-side intermediary, the buyer-side financial institution, and the agent can use the terminal that collects the data necessary for registration. Can be confirmed by.
  • the registration support device 90 has the owner, the owner-side intermediary, the owner-side creditor, the buyer, the buyer-side intermediary, and the buyer-side.
  • the financial institution and the agent can confirm that it has been modified, deleted or replaced.
  • each data is approved as having no problem after being confirmed by AI or an agent.
  • the agent can confirm each data necessary for registration that can be viewed by the payment management unit 180 of the registration support device 90 by the agent terminal 80 before the settlement (step S19).
  • the agent can transmit the information indicating that the data is approved to the registration support device 90 by the agent terminal 80 with respect to the data that has been confirmed and approved without any problem.
  • the registration support device 90 transmits the approval of the data to the terminals of all the parties concerned by characters, colors, symbols, etc. (step S20).
  • the registration support device 90 may make it impossible to modify, delete, and replace the once approved data. As a result, falsification of the approved data can be prevented.
  • each agent prepares and confirms the application documents for registration in charge.
  • the agent A when the agent A is in charge of the mortgage cancellation registration, before the settlement, the agent A creates and sends the cancellation registration application document data 152 from the agent terminal 80 used by the agent A, and at the same time, the mortgage cancellation registration. It is preferable to be able to confirm that there is no problem with the data required for the above (erasure registration document data 151, deletion registration application document data 152, etc.) (step S19).
  • the agent B when the agent B is in charge of the ownership transfer registration, the agent B creates and transmits the transfer registration application document data 163 from the agent terminal 80 used by the agent B before the settlement, and also performs the ownership transfer registration. It is preferable to be able to confirm that there is no problem with the data required for the above (owner side transfer registration document data 161, buyer side transfer registration document data 162, transfer registration application document data 163, etc.) (step S19).
  • the agent C when the agent C is in charge of the mortgage setting registration, the agent C creates and sends the setting registration application document data 173 from the agent terminal 80 used by the agent C before the settlement, and at the same time, the mortgage setting registration.
  • step S19 It is preferable to be able to confirm that there is no problem with the data required for the above (buyer side setting registration document data 171, financial institution side setting registration document data 172, setting registration application document data 173, etc.) (step S19).
  • Each agent can transmit information indicating that the data is approved data to the registration support device 90 by each agent terminal 80 with respect to the data that has been confirmed and approved without any problem. After the data is approved, the registration support device 90 transmits the approval of each data to the terminals of all the parties concerned by characters, colors, symbols, etc. (step S20).
  • the registration support device 90 uses data necessary for mortgage cancellation registration (erasure registration document data 151 and cancellation registration application document data 152), data necessary for ownership transfer registration (owner side transfer registration document data 161, buyer side transfer). Registration document data 162 and transfer registration application document data 163) and data required for application for mortgage setting registration (buyer side setting registration document data 171, financial institution side setting registration document data 172 and setting registration application document data 173) are available. , AI, etc., and when it is confirmed by an agent and approved that there is no problem, the state is determined. After the registration support device 90 has all the data and determines that there is no problem, the terminals of all parties involved in the transaction (owner terminal 20, owner side intermediary terminal 30, owner side creditor terminal 40, buyer terminal).
  • step S21 the situation management unit 210 indicates that the mortgage cancellation registration, the ownership transfer registration, and the mortgage setting registration have become possible, that is, the owner terminal 20, the owner side intermediary terminal 30, and the owner side creditor terminal. 40, the buyer terminal 50, the buyer side intermediary terminal 60, the buyer side financial institution terminal 70, and the agent terminal 80 are notified (step S22).
  • the registration support device 90 transmits a payment instruction screen such as a button for instructing payment to the buyer terminal 50 on the determined settlement date (step S23).
  • the buyer selects a button or the like on the displayed payment instruction screen on the determined settlement date, and instructs the execution of payment (step S24).
  • the registration support device 90 receives the payment instruction data 181 from the buyer terminal 50.
  • the registration support device 90 accesses the online banking or the like of the financial institution on the buyer side linked to the registration support system 10 and displays a screen for making a transfer on the buyer terminal 50 (step S25).
  • the buyer transfers the specified amount of money to one or more transfer accounts specified by the denomination information from the screen of the buyer's financial institution such as online banking displayed on the buyer terminal 50 or the screen of the registration support system 10. Is sent (step S26).
  • the registration support device 90 After the payment is completed, the registration support device 90 notifies the buyer terminal 50, the buyer side financial side institution terminal 70, the owner terminal 20, the owner side creditor terminal 40, and the like with information indicating that the payment has been completed. (Step S27).
  • the owner who receives the information indicating that the payment has been completed confirms the payment to the transfer account from the owner terminal 20 or by other means (step S28). After confirming the payment of the transfer account, the owner operates the owner terminal 20 if the registration support system 10 is linked with a system such as online banking of the owner's creditor. You can check the payment from online banking etc.
  • the owner After confirming the payment, the owner operates the owner terminal 20 to send the payment confirmation data 191 indicating that the payment has been made to the payment management unit 190 (step S29).
  • the registration support system 10 is linked with a system such as online banking of the owner's creditor
  • the deposit management unit 190 provides information indicating that the specified amount has been deposited in the designated account. , May be automatically obtained from the financial institution's system.
  • the registration support device 90 After receiving the payment confirmation data 191 by the payment management unit 190, the registration support device 90 notifies the terminals of all the parties involved in the transaction of the information indicating that the payment has been made (step S30). .. Further, the registration support device 90 makes it possible to apply for the mortgage cancellation registration, the ownership transfer registration, and the mortgage cancellation registration according to the instruction from the agent terminal 80 (step S31).
  • the registration support system 10 is linked with the online application system 310 of the Legal Affairs Bureau. In this case, the data required for registration can be directly applied online from the registration support device 90 to the online application system 310 without going through the agent terminal 80.
  • the agent sends an instruction to the registration support device 90 by the agent terminal 80 (step S32).
  • the registration support device 90 has electronic data for mortgage cancellation registration (erasure registration document data 151 and cancellation registration application document data 152) and electronic data for ownership transfer registration (owner side transfer registration document).
  • Data 161, buyer side transfer registration document data 162 and transfer registration application document data 163) and electronic data for mortgage setting registration is submitted online to the online application system 310 (step S33).
  • the owner-side creditor since the owner-side creditor stores the consent data 101 in which the owner agrees to disclose the deleted registration document data 151 to the agent, the owner-side creditor is stored in the registration support device 90.
  • the deletion registration document data 151 can be disclosed to the agent. Since the transfer is made with all the necessary documents for registration, the application for mortgage cancellation registration, ownership transfer registration and mortgage setting registration can be made smoothly and promptly.
  • the application for mortgage cancellation registration, ownership transfer registration and mortgage setting registration is preferably carried out in one continuous procedure, but may be carried out in separate and different procedures.
  • the registration support device 90 can simultaneously apply for mortgage cancellation registration, ownership transfer registration, and mortgage setting registration by consecutive applications. In addition, there are cases where one agent applies for consecutive cases on behalf of one agent, and cases where each agent applies for registration individually.
  • the registration support device 90 applies to each agent terminal 80 on behalf of which agent makes a continuous application before the registration application is made, or each of them.
  • a selection screen having a button or the like for selecting whether to apply for a series of registrations individually applied by the agent of the above is transmitted.
  • the registration support device 90 is a terminal of another related party (owner terminal 20, owner side intermediary terminal 30, owner side creditor terminal 40, buyer terminal 50, buyer side intermediary terminal 60 or buyer side finance. The selection screen may be transmitted to the engine terminal 70).
  • the registration application which agent will apply for the consecutive cases on behalf of the terminal used by the person who uses it, or Each agent selects whether to apply for the registration individually and sends it to the registration support device 90.
  • the registration support device 90 receives an instruction from the agent terminal 80 selected as the representative, and the mortgage cancellation registration, the ownership transfer registration and the mortgage.
  • the application for deletion registration is made possible (step S31).
  • the representative agent sends an instruction to apply for registration to the registration support device 90 by the agent terminal 80 (step S32).
  • the registration support device 90 adds to the fact that the application for consecutive cases is made to the deletion registration application document data 152, the transfer registration application document data 163, and the setting registration application document data 173.
  • the registration support device 90 automatically and appropriately sets the order of registration, and in the present embodiment, electronic data necessary for registration is input in the order of mortgage cancellation registration, ownership transfer registration, and mortgage setting registration. , Submit to the online application system 310 (step S33).
  • the registration support device 90 registers the mortgage cancellation registration, the ownership transfer registration, and the mortgage setting registration in order to apply for the mortgage setting registration online.
  • the order is set automatically and appropriately.
  • the registration support device 90 first makes it possible to apply for the mortgage cancellation registration by receiving an instruction from the agent terminal 80 of the agent in charge of the mortgage cancellation registration (step S31). ..
  • the agent in charge of mortgage cancellation registration sends an instruction for registration application by the agent terminal 80 (step S32)
  • the registration support device 90 that receives the instruction sends electronic data for mortgage cancellation registration (erasure registration).
  • the document data 151 and the deletion registration application document data 152) are submitted online to the online application system 310 (step S33).
  • the registration support device 90 receives the reception number of the mortgage cancellation registration online from the online application system 310.
  • the registration support device 90 makes it possible to apply for the ownership transfer registration by receiving an instruction from the agent terminal 80 of the agent in charge of the ownership transfer registration (step S31).
  • the agent in charge of the ownership transfer registration sends an instruction for registration application through the agent terminal 80 (step S32)
  • the registration support device 90 that receives the instruction sends the transfer registration application document data 163 to the mortgage of the real estate. It is a series of cases with the registration of mortgage cancellation, the date and reception number where the mortgage cancellation registration was made are automatically added, and electronic data for registration of transfer of ownership (owner side transfer registration document data 161, buyer side transfer)
  • the registration document data 162 and the transfer registration application document data 163) are submitted online to the online application system 310.
  • the registration support device 90 receives the reception number of the ownership transfer registration online from the online application system 310.
  • the registration support device 90 makes it possible to apply for mortgage setting registration by receiving an instruction from the agent terminal 80 of the agent in charge of mortgage setting registration (step S31).
  • the agent in charge of mortgage setting registration sends an instruction for registration application by the agent terminal 80 (step S32)
  • the registration support device 90 that receives the instruction has the property in the setting registration application document data 173. It is a series of cases with the registration of transfer of rights, the date and receipt number of registration of transfer of ownership are automatically added, and electronic data for mortgage setting registration (buyer side setting registration document data 171, financial institution side setting The registration document data 172 and the setting registration application document data 173) are submitted online to the online application system 310.
  • the registration support device 90 can apply for mortgage cancellation registration, ownership transfer registration, and mortgage setting registration online in succession. Even when one of the agents applies for consecutive cases, the registration support device 90 is the same as the previous registration, as in the case where each agent individually applies for registration. Registration applications may be made to the online application system 310 in order while automatically adding the date and reception number of the previous registration, which is a continuous case.
  • the registration support device 90 may enable online application for mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration via the agent terminal 80.
  • the agent terminal 80 is linked with the online application system 310 of the Legal Affairs Bureau.
  • the data required for registration is transmitted from the registration support device 90 to the agent terminal 80 after the registration support device 90 has made it possible to apply for registration (step S31). After that, the agent receives the data from the agent terminal 80 and applies online from the agent terminal 80 to the online application system 310.
  • the status management unit 210 causes the owner terminal 20 to receive information indicating that the mortgage cancellation registration, ownership transfer registration, and mortgage setting registration have been completed.
  • Information indicating that the registration has been completed is transmitted to the owner-side intermediary terminal 30, the owner-side creditor terminal 40, the buyer-side terminal 50, the buyer-side intermediary terminal 60, the buyer-side financial institution terminal 70, and the agent terminal 80.
  • the registration support system 10 completes the support for changing the registration information.
  • the agent mails the original electronic data submitted to the Legal Affairs Bureau by the online application system when applying for registration.
  • the registration support device 90 is the registration support device 90 that supports the change of registration information due to the sale and purchase of real estate, and is the owner of the real estate or the seller of the real estate for the owner.
  • Owner-side terminal 21 owner-side terminal 20 and / or owner-side intermediary-side terminal 30
  • owner-side creditor who has a mortgage on the real estate Creditor terminal 40
  • buyer terminal 51 buyer terminal 50 and / or buyer intermediary terminal 60
  • the buyer side financial institution terminal 70 used by the buyer side financial institution that receives the request from the buyer
  • the online registration system 310 that accepts the application for real estate registration by the communication network 300.
  • the owner side transfer registration document data 161 required for the application for the ownership transfer registration prepared by the owner is received from the owner side terminal 21 or the owner side intermediary terminal 30, and the buyer side terminal.
  • the buyer side transfer registration document data 162 required for the application for the ownership transfer registration prepared by the buyer is received, and the transfer registration required for the application for the ownership transfer registration prepared by the agent is received from the agent terminal 80.
  • the transfer registration document management unit 160 that receives the application document data 163 and the owner's terminal 21 or the owner's creditor terminal 40, the payment confirmation data 191 indicating that the payment of the real estate purchase cost has been confirmed is obtained.
  • the transfer registration data including the owner side transfer registration document data 161 and the buyer side transfer registration document data 162 and the transfer registration application document data 163, and confirming the payment.
  • the ownership transfer registration is performed from the registration support device 90 by the instruction from the agent terminal 80, or from the agent terminal 80 to the online registration system 310 via the communication network 300 using the transfer registration data. It has a registration application management unit 200, which makes it possible to apply for.
  • the registration support method in the present embodiment is a registration support method that supports an application for real estate registration to the online registration system 310 by a registration support device 90 that can be connected to the communication network 300, and is a real estate owner or owner.
  • the buyer's transfer registration required for the application for ownership transfer registration prepared by the buyer From the step of receiving the document data 162 and the agent terminal 80 used by the agent who applies for the registration of the real estate, the transfer registration application document data 163 required for the application for the ownership transfer registration prepared by the agent is received.
  • the step the step of receiving the payment confirmation data indicating that the payment of the real estate purchase cost has been confirmed from the owner side terminal 21 or the owner side creditor terminal 40, and the owner side transfer registration document data 161
  • the registration support is given by the instruction from the agent terminal 80. It has a step of making it possible to apply for ownership transfer registration from the device 90 or from the agent terminal 80 to the online registration system 310 via the communication network 300 using the transfer registration data.
  • the registration support device 90 and the registration support method configured as described above receive all the data necessary for the registration of the transfer of ownership of the real estate, and after receiving the payment confirmation data 191, the ownership is transferred from the agent terminal 80. Allows you to apply for registration. Therefore, the agent can promptly register the transfer of ownership after the payment to the owner is confirmed. Therefore, the time lag between payment and registration of transfer of ownership can be reduced, and the burden on the buyer and / or the financial institution on the buyer side can be reduced. Further, since the registration support device 90 is not an escrow system, the cost required for registration can be reduced, it is not necessary to deposit a high purchase price with a third party institution, and the burden on the owner and / or the buyer can be reduced.
  • the registration support device 90 receives from the owner-side creditor terminal 40 the cancellation registration document data 151 prepared by the owner-side creditor, which is necessary for applying for cancellation of the registration that hinders the transfer of ownership of the real estate.
  • the agent terminal 80 receives the deletion registration application document data 152, which is prepared by the agent and is necessary for the application for deletion of the registration that hinders the transfer of ownership of the real estate, and possesses the deletion registration document management unit 150. It has a consent data management unit 100 that receives consent data 101 indicating that the owner agrees to disclose the cancellation registration document data 151 to the agent from the terminal 21 on the owner side.
  • the registration application management unit 200 is acting after receiving the deletion registration data including the deletion registration document data 151, the deletion registration application document data 152 and the consent data 101, and after receiving the payment confirmation data 191. It is possible to apply for registration to delete the registration that hinders the transfer of ownership of the real estate from the registration support device 90 or from the agent terminal 80 via the communication network 300 using the deletion registration data according to the instruction from the person terminal 80. And. As a result, the registration support device 90 receives all the data necessary for the cancellation registration of the registration that hinders the transfer of the ownership of the real estate, and after receiving the payment confirmation data 191, owns the real estate from the agent terminal 80. Cancellation of registration that hinders the transfer of rights It is possible to apply for registration.
  • the agent can promptly perform the cancellation registration of the registration that hinders the transfer of the ownership of the real estate after the payment to the owner is confirmed.
  • the registration support device 90 since the registration support device 90 has received the consent data 101 in advance, the creditor on the owner side can disclose the cancellation registration document data 151 to the agent. Therefore, the agent can promptly apply for the cancellation registration of the registration that hinders the transfer of ownership of the real estate. Therefore, the time lag between payment and cancellation registration can be reduced, and the burden on the buyer and / or the buyer's financial institution can be reduced.
  • the registration support device 90 receives the buyer side setting registration document data 171 necessary for the application for the mortgage setting registration prepared by the buyer from the terminal 51 on the buyer end side, and receives the buyer side setting registration document data 171 from the buyer side financial institution terminal 70 on the buyer side.
  • a mortgage that receives the financial institution side setting registration document data 172 required for the application for mortgage setting registration prepared by the financial institution, and receives the setting registration application document data 173 required for the application for the mortgage setting registration prepared by the agent.
  • the registration application management unit 200 has a right setting registration document management unit 170, and the registration application management unit 200 collects mortgage setting registration data including the buyer side setting registration document data 171 and the financial institution side setting registration document data 172 and the setting registration application document data 173.
  • the communication network After receiving and after receiving the payment confirmation data 191, the communication network using the mortgage setting registration data from the registration support device 90 or from the agent terminal 80 according to the instruction from the agent terminal 80. It is possible to apply for mortgage setting registration via 300.
  • the registration support device 90 makes it possible to apply for the mortgage setting registration from the agent terminal 80 after receiving all the data necessary for the mortgage setting registration of the real estate and receiving the payment confirmation data 191. .. Therefore, the agent can quickly register the mortgage after the payment to the owner is confirmed. Therefore, the agent can quickly apply for mortgage setting registration. Therefore, the time lag between payment and mortgage setting registration can be reduced, and the burden on the buyer's financial institution can be reduced.
  • the owner-side intermediary terminal 30 may be operated by an agent who operates the agent terminal 80 or an owner who operates the owner terminal 20.
  • the buyer-side intermediary terminal 60 may be operated by an agent who operates the agent terminal 80 or a buyer who operates the buyer terminal 50.
  • the intermediary plays a role of connecting the parties concerned in order to facilitate the real estate registration, but the real estate registration is possible even if there is no intermediary.
  • the registration application that can be made by the registration support system 10 is not limited to the application for mortgage cancellation registration, ownership transfer registration, and mortgage setting registration. It may be possible to apply for registration, registration of root mortgage setting, registration of joint root mortgage setting, registration of change of registered owner's address / name, registration of cancellation of root mortgage, registration of loss of building, etc.
  • the purchase amount may be once transferred to the management account or trust account managed by the registration support device 90 before being transferred to the designated transfer destination account.
  • the registration support device 90 uses a management account or a trust account to use one of the terminals (owner terminal 20, owner-side intermediary terminal 30, owner-side creditor terminal 40, buyer terminal) of any of the parties involved in the transaction. 50, the buyer side intermediary terminal 60, the buyer side financial institution terminal 70, and the agent terminal 80) can accept the transaction.
  • Information on the management account and the trust account is automatically provided by the registration support device 90.
  • Confirmation of payment to the management account or trust account (step S28) is automatically performed by the payment management unit 190 of the registration support device 90.
  • the registration support device 90 After confirming the payment, the registration support device 90 notifies the terminals of all the parties involved in the transaction of the information indicating that the payment has been made (step S30). After the registration application (step S33) to the online application system 310 is completed, the registration support device 90 remits the transfer amount specified by the denomination information data 141 to the transfer destination account. In this way, the registration support system 10 can also select escrow-like transactions.
  • Consent data 101, deletion registration application document data 152, transfer registration application document data 163, setting registration application document data 173, various other powers of attorney, etc. can be electronic contracts as described above, and the contracts are cloud data. You may.
  • the registration support device 90 is a real estate company (owner side intermediary or buyer side intermediary), a judicial scrivener, a financial institution (owner side financial institution or buyer side financial institution), etc. connected to the communication network 300, respectively. It is more preferable that it can be linked with the core system of.
  • the registration support device 90 can link data with the system of an administrative agency (ward office, legal bureau, tax office, etc.) connected to the communication network 300.
  • the registration support device 90 performs procedures such as acquisition of necessary documents (for example, seal certificate, resident's card, property tax city planning tax evaluation report, my number, etc.) and input for acquisition. It is possible to easily do it from the terminal of the person.
  • the registration support device 90 When making an online application for mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration, the registration support device 90 not only makes an online application directly to the Legal Affairs Bureau, but also via an agent terminal 80 or via an agent terminal 80. You may indirectly apply online by going through the system of another company.
  • the registration support device 90 includes an owner terminal 20, an owner-side intermediary terminal 30, an owner-side creditor terminal 40, a buyer-side terminal 50, a buyer-side intermediary terminal 60, a buyer-side financial institution terminal 70, and an agent. It may be possible to make a video call with at least two people of the terminal 80.
  • the registration support device 90 can display a button or the like for executing a video call to each terminal.
  • the registration support device 90 makes it possible to select a partner to interact with and execute a video call by selecting and executing a button.
  • the video call may be a dedicated function of the registration support device 90, but it is realized by linking with an external system such as ZOOM (registered trademark), SKYPE (registered trademark), or LINE (registered trademark). May be good. Therefore, the registration support device 90 can also execute at least a part of the above-mentioned steps S01 to S34 while performing a video call.
  • the registration support device 90 makes it possible to perform everything from a real estate sale request to registration and settlement, but it is also possible to use only a part of the procedure for selling real estate or only for registration application other than buying and selling real estate. It is possible.
  • the registration support device 90 may be used only by a sale request (intermediary contract) using the owner terminal 20 and the owner-side intermediary terminal 30.
  • the registration support device 90 is a real estate sales contract including an explanation of important matters by an important matter explanation using the owner terminal 20, the owner side intermediary terminal 30, the buyer terminal 50, and the buyer side intermediary terminal 60. It may be used in. In this case, the agent (judicial scrivener or lawyer), the buyer-side financial institution, and the buyer-side financial institution do not appear in the transaction in the registration support device 90.
  • the registration support device 90 includes an owner terminal 20, an owner-side intermediary terminal 30, an owner-side creditor terminal 40, a buyer-side terminal 50, a buyer-side intermediary terminal 60, a buyer-side financial institution terminal 70, and an agent. It may be used only for the settlement of the sale price of the real estate transaction using the terminal 80. In this case, the registration support device 90 does not have to be used for the procedure for registering the real estate.
  • the registration support device 90 includes an owner terminal 20, an owner-side intermediary terminal 30, an owner-side creditor terminal 40, a buyer-side terminal 50, a buyer-side intermediary terminal 60, a buyer-side financial institution terminal 70, and an agent. It may be used only for the registration procedure of the real estate transaction using the terminal 80. In this case, the registration support device 90 is used for identity verification and registration procedures associated with registration, and does not have to be used for settlement of the sale price.
  • the registration support device 90 is used only for banking procedures for real estate cancellation registration using the owner terminal 20, the owner side intermediary terminal 30, the owner side creditor terminal 40, and the agent terminal 80. May be done.
  • the registration support device 90 is used only for a loan contract for a real estate buyer using the buyer terminal 50, the buyer side intermediary terminal 60, the buyer side financial institution terminal 70, and the agent terminal 80. May be good.
  • the registration support device 90 may be used for managing real estate materials in the cloud, or may be used as a dedicated server for backing up materials.
  • the registration support device 90 is a terminal (owner terminal 20, owner side intermediary terminal 30, owner side creditor terminal 40, buyer terminal 50, buyer side intermediary terminal 60, buyer side financial institution terminal 70, or proxy.
  • a supplementary explanatory material for real estate can be provided to the human terminal 80).
  • the registration support device 90 may be used for transactions other than real estate, various procedures, management and provision of information, and the like.
  • Registration support system 20 Owner terminal 21 Owner terminal 30 Owner side intermediary terminal 40 Owner side creditor terminal 50 Buyer terminal 51 Buyer side terminal 60 Buyer side intermediary terminal 70 Buyer side financial institution terminal 80 Proxy Person terminal 90 Registration support device 91 Storage device 92 Processing device 93 Communication device 100 Consent data management unit 101 Consent data 110 Identity verification data management unit 111 Owner identity verification data 112 Buyer identity verification data 120 Contact management unit 121 Contact data 130 Erase amount Information Management Department 131 Deletion Amount Data 140 Ride Information Management Department 141 Ride Information Data 150 Deletion Registration Document Management Department 151 Deletion Registration Document Data 160 Transfer Registration Document Management Department 161 Owner Transfer Registration Document Data 162 Buyer Transfer Registration Document Data 163 Transfer registration application document data 170 Mortgage setting registration document management department 171 Buyer side setting registration document data 172 Financial institution side setting registration document data 173 Setting registration application document data 180 Payment management department 181 Payment instruction data 182 Payment notification data 190 Money Management Department 191 Payment Confirmation Data 200 Registration Application Management Department 210 Status Management Department 211 Approval Data 300 Communication Network 310 Online Application System

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Abstract

L'invention concerne un dispositif d'aide à l'enregistrement et un procédé d'aide à l'enregistrement avec lesquels il est possible de réduire le fardeau sur un acheteur en réduisant le délai entre la réception du paiement d'un coût d'achat et l'enregistrement du transfert d'hypothèque.　Le dispositif d'aide à l'enregistrement (90), destiné à aider à un changement d'informations d'enregistrement accompagnant la vente et l'achat d'un bien immobilier, comprend : une unité de gestion de document d'enregistrement de transfert (160) qui reçoit des données de document d'enregistrement de transfert côté propriétaire (161) en provenance d'un terminal de propriétaire (20), reçoit des données de document d'enregistrement de transfert côté acheteur (162) en provenance d'un terminal d'acheteur (50), et reçoit des données de document de demande d'enregistrement de transfert (163) en provenance d'un terminal d'agent (80) ; une unité de gestion de réception de paiement (190) qui reçoit des données de confirmation de réception de paiement (191) en provenance du terminal de propriétaire (20) ; et une unité de gestion de demande d'enregistrement (200) qui active une application à partir du dispositif d'aide à l'enregistrement (90) pour un enregistrement de transfert de propriété en réponse à une instruction provenant du terminal d'agent (80), après que des données d'enregistrement de transfert, comprenant les données de document d'enregistrement de transfert côté propriétaire (161), les données de document d'enregistrement de transfert côté acheteur (162) et les données de document de demande d'enregistrement de transfert (163), ont été reçues, et après que les données de confirmation de réception de paiement (191) ont été reçues.
PCT/JP2021/006395 2020-02-20 2021-02-19 Dispositif d'aide à l'enregistrement et procédé d'aide à l'enregistrement WO2021167071A1 (fr)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP7175418B1 (ja) 2022-07-22 2022-11-18 株式会社エスクロー・エージェント・ジャパン 不動産決済支援システム、不動産決済支援方法及びプログラム
WO2023127974A1 (fr) * 2021-12-31 2023-07-06 英明 松山 Dispositif d'aide à l'enregistrement et procédé d'aide à l'enregistrement
JP7493685B2 (ja) 2021-12-31 2024-05-31 英明 松山 登記支援装置および登記支援方法

Citations (3)

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Publication number Priority date Publication date Assignee Title
JP2004199499A (ja) * 2002-12-19 2004-07-15 All Real Appraisers Network Co Ltd 不動産エスクローシステム及び該不動産エスクローシステムによる不動産取引代行方法
JP2006350975A (ja) * 2005-06-13 2006-12-28 Shigeru Kurihara 登記識別情報管理ｃｄ
JP2010262351A (ja) * 2009-04-30 2010-11-18 Koncheruto:Kk 登記申請書作成方法および作成システム

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004199499A (ja) * 2002-12-19 2004-07-15 All Real Appraisers Network Co Ltd 不動産エスクローシステム及び該不動産エスクローシステムによる不動産取引代行方法
JP2006350975A (ja) * 2005-06-13 2006-12-28 Shigeru Kurihara 登記識別情報管理ｃｄ
JP2010262351A (ja) * 2009-04-30 2010-11-18 Koncheruto:Kk 登記申請書作成方法および作成システム

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023127974A1 (fr) * 2021-12-31 2023-07-06 英明 松山 Dispositif d'aide à l'enregistrement et procédé d'aide à l'enregistrement
JP7493685B2 (ja) 2021-12-31 2024-05-31 英明 松山 登記支援装置および登記支援方法
JP7175418B1 (ja) 2022-07-22 2022-11-18 株式会社エスクロー・エージェント・ジャパン 不動産決済支援システム、不動産決済支援方法及びプログラム
JP2024014219A (ja) * 2022-07-22 2024-02-01 株式会社エスクロー・エージェント・ジャパン 不動産決済支援システム、不動産決済支援方法及びプログラム

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