JP2001195457A - System for processing real estate registered equity - Google Patents

Abstract

PROBLEM TO BE SOLVED: To accurately make a database of description of registered by reading real estate registered items with an image reader. SOLUTION: This system automatically reads rear estate registered items certificate and a registered items epitome issued from a registry office, ownership described in the grade A section of the same object of detailed real estate registered data obtained from online real estate registered data of the Ministry of Justice, i.e., equity right, seizure in the grade A section, conditioned ownership transfer provisionally registered data or the like, a mortgage pledged in a grade B section, a fixed collaterial right and the other rights from the image reader or inputs only items manually, prepares a database file of a real estate equity, etc., performs residual value calculation of the equity, makes the equity and various burden rights attached to the equity a database time sequentially, successively performs automatic analysis and clarifies the situation of rights attached to the equity.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

TECHNICAL FIELD The present invention is used when a court, various financial institutions, a judicial scrivener, etc. perform a real estate registered equity processing procedure, etc., and can calculate the remaining equity by creating a real estate registered equity database file. The present invention relates to a real estate registration equity processing system capable of automatically analyzing a right of burden attached to an equity, as well as a stake.

[0002]

2. Description of the Related Art Conventionally, in real estate registration processing that requires extremely high specialized knowledge, there is a high possibility that mistakes will occur even in the processing of a plurality of equity interests, even if it is an expert. At present, the introduction of computerization for real estate registration is already progressing in metropolitan areas, and all real estate registrations will be computerized in the near future. When real estate registration data is processed by automatically reading computerized real estate registration information by an image reader, it can be said that equity processing of real estate is the biggest difficulty.

[0003]

SUMMARY OF THE INVENTION The present invention has been made in view of the above points, and the real estate entry is read by an image reader, and the deciphering of the text is performed as long as possible by eliminating impossible data. To provide a real estate registration equity processing system that aims to realize a rapid registration processing system by accurately registering the contents of registration in a database and thoroughly eliminating serious description errors scientifically and empirically. is there.

[0004]

Means for Solving the Problems 1. The present invention reads real estate registration data from an image reader or the like, eliminates impossible phrases, corrects by analogy interpretation of original phrases, etc.
Performs processing to improve data accuracy through replacement. 2. To calculate the equity of each remaining co-owner and to grasp the rights such as mortgages that impede the equity, it is crucial to create a real estate equity database file. The result of the data processing is finally processed as the current equity status database file with the final interest and the share right database file with the share right. 3. A matrix of the real estate registration data is formed based on the data of the database file of the real estate interests, etc., and the user is provided with a graphical display on a screen to provide judgment materials. The seizure calls attention as an array of different colors. 4. As a result, confirm that there is no problem in the contents of the purpose registration, process the result into an arbitrary data format to specify, and provide it as an arbitrary transfer data file as input data of another application.

[0005]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a configuration diagram of a central processing unit, a main memory control device, an image reading device system, an input device, and an output device of the real estate registration equity processing system of the present invention. FIG. 2-1 is an example (overall) of a processing flowchart of the system. 1: System processing is started. 2: Read the registration data, such as registration data, from the image reading device. 3: Various automatic corrections are performed on the read data.

4: Create a real estate equity database file containing the read registration data. The data contents are exemplified in the equity burden automatic processing example 1 (database contents). FIG. 3-1 shows an index part, which is an example of automatic processing of equity collateral 1 (database content) of the system. First index key Property location, lot number (house number) Second index key Owner or co-owner Third index key Registration acceptance Date and receipt number Fourth index key Type of right Fifth index key Ownership interest Sixth index key Rank number (alternative number if there is a change of rank) Seventh index key Real rank Eighth index key Date and registration number of registration of ownership of Kou-ku at the time of setting Data part Specific items of mortgage receivables, interest, etc.

5: Equity is calculated in the order of each sharer, reception date, and reception number, and an equity status database file is created.
The detailed process is shown in the flowchart (shared interest calculation).
The data content is exemplified in the equity share automatic processing example 3 (calculation of ownership last ownership).

6: Using the index key of the database, the obstruction right is created in the order of each sharer, reception date, and substantial rank, and the calculation of the attachment / detachment to the equity is repeated to create a burden right file. The detailed processing is shown in the processing flowchart (shared equity sharing right). The data contents are illustrated in the equity share automatic processing example 4 (final rights final processing table). 7: Read the burden right file sequentially, organize the right status into a table, and prepare to create a matrix showing the registration status. Fig. 3-4 shows an example 4 of automatic processing of equity collateral of this system.
FIG. 7 is a diagram illustrating a matrix example. 8: The registration data is arbitrarily converted into text data or the like by a designated method to create a multipurpose data file. 9: Utilized in businesses that require registration data at banks, prefectures, municipalities, land readjustment associations, etc. 10: End system processing

FIG. 2-2 is an example of a processing flowchart of the system (calculation of shared interest). 1: In the overall processing system flowchart of FIG.
The process of calculating the shared interest in item detail processing) is started. 2: Read the real estate equity database file. Among the data read by 3: 2, the work instruction code is
The code relating to the sharer, that is, 01 to 06, is extracted to create an equity status database file. 4: The equity status database file is sequentially read, and the remaining interest is calculated for each sharer by adjusting the equity according to the work instruction code. For the right holders (sharers), increase the interests, and for the obligors, decrease the designated interests. 5: Compute share of sharer ends.

FIG. 2-3 is an example of a processing flowchart of the system (a share ownership right). 1: In the overall processing system flowchart of FIG.
The process of calculating the shared interest in item detail processing) is started. 2: Set the processing sequence number = 0, the sharer number = 0, and the security right number = 0 as initial values for the processing. 3: Processing serial number = processing serial number + 1 4: One record of the current processing serial number data is read from the real estate equity database file. 5: Is the property to be processed a specified property a specified property?

6: Is the work code a right holder having the same access number as the work number 01 to 06 of the share right work code and the reception number of the designated old sharer in the sharer table? 7: Sharer number = Sharer number + 1 8: Set sharer's name and acquired share, set these in the sharer table, and store them as new data in the share right database file. 9: Add the designated share of this case to the sharer's share. 10: Is the work code of the processed data 02, 04, 06, and does the old interest have a share right?

11: The security right number is incremented by 1, and all the same rights as those of the old sharer are stored as the new sharer's share right in the share right database file. 12: Is the work code of the processing data from 01 to 06 of the work code of the sharing right and is the obligor of the reception number of the old sharer in the sharer table? 13: Subtract the Designated Interest (5) from the relevant obligor's interest. 14: Is the work code of the processing data 11 (setting)? 15: The security right number is incremented by 1, the sharer number being processed, the security right are set, and the share right number data is stored in the burden right database file.

16: Is the work code of the processing data 12 (erased)? 17: Delete the designated security unit from the burden right database file. 18: Is the work code of the processing data 13 (release of the specified interest)? 19: The security right of the designated interest is deleted from the burden right database file. 20: Is the work code of the processing data 14 (change)?

21: Change the content of registration of the right to be paid to the content to be specified. 22: Is the work code of the processing data 15 (order change)? 23: Change the effective order of the security right to the order specified according to the contents of the order change entry. 24: The data of the target shared interest is completed in the share right database file, and the processing of this system ends.

FIG. 3-1 shows an example of automatic processing of equity security of the system (database contents). FIG. 3B is a second example of the automatic processing of equity security (processing progress) of the system. When the equity security automatic processing example 1 is sequentially executed, the intermediate result shown in FIG. 3-2 is obtained. FIG. 3C is a third example of the automatic processing of equity collateral of the system (final equity). This is the share status of each sharer after executing the entire system. FIG. 3D is a fourth example of the automatic processing of equity collateral of this system (final right processing table). This is the final state of the share right of each sharer after executing the entire system. FIG. 3-5 is an example 5 of the automatic processing of equity collateral of the system (an example of matrix explanation). Figure 3-
4 shows the result of matrix No. 4 on a matrix screen.

[0016]

The present invention is used as a useful tool in all industries that use real estate registration data. Conventionally, registration, especially processing related to equity, has been a very cumbersome operation, but the emergence of the present invention will bring about changes in a number of real estate registered equity processing operations. The effects of the invention are listed below. (1) Registration data can be accurately and automatically transferred, and errors can be reduced. (2) As accurate direct input data of a registration application, the impact on the business process of a judicial scrivener, bank loan officer, and the like is drastically changed, and can greatly contribute to society. (3) Can be used as public data such as auctions.

(4) It can be used in a court operation related to real estate. (5) It can be used as declaration data for property tax, especially inheritance tax and gift tax. (6) Even a person with little registration knowledge can perform business processing equivalent to a skilled person. (7) Even if there is a problematic registration such as seizure, repurchase right, temporary registration, etc., it can be used with confidence. (8) The remaining share of the sharer can be automatically calculated. It is especially effective in temporary land under land readjustment, inheritance, private roads, and common areas in rural areas. (9) It is difficult to clarify the rights to be attached to a complicated registration, even for a skilled person such as a judicial scrivener, but it can be processed accurately and quickly.

(10) Since the right relationship is automatically specified in the matrix for each share without human intervention, work determination can be made instantaneously. (11) Each data of the registration database including the equity processing created by the present system is converted into text data or the like of a business using another computer system, and the gospel of the whole business requiring the registration data is changed. Become. (12) Significant reductions in processing time and accurate processing provide significant benefits.

(13) In the “collateral management system”, “bad debt collection system” and “asset management system” linked with the present system, a remarkable effect can be expected due to data interchangeability. (14) Since there is no need for human judgment, complicated work is turned into a work flow, which is useful for personnel management. (15) Direct communication between various industries, such as the exchange of financial information of debtors, banks, credit guarantee associations, etc., and the exchange of information of government agencies, etc., is possible, which can contribute to administrative processing.

(16) The registration data can be obtained without human intervention to solve the troubles since the history, and the accurate transfer of the information and the comprehensive processing of the equity are phenomenal events.

[Brief description of the drawings]

FIG. 1 shows a configuration of a real estate registered equity processing system of the present invention. 4 shows the information connection relationship between the central processing unit and a file device, a main memory, an input device, an output device, and an image reading device.

FIG. 2-1 shows an example (overall) of a flowchart of a real estate registered equity processing system of the present invention.

FIG. 2-2 shows an example of a flowchart (shared interest calculation) of the real estate registered equity processing system of the present invention.

FIG. 2-3 shows an example of a flow chart (shared equity sharing right) of the real estate registered equity processing system of the present invention.

FIG. 3-1 is an example 1 of automatic processing of equity collateral of the real estate registered equity processing system of the present invention (database content).

FIG. 3-2 is an example 2 of automatic processing of equity collateral of the real estate registered equity processing system of the present invention (processing progress).

FIG. 3C is an example 3 (final interest) of automatic processing of equity collateral of the real estate registered equity processing system of the present invention.

FIG. 3-4 is a fourth example of the automatic processing of equity collateral in the real estate registered equity processing system of the present invention (final processing table of share right).

FIG. 3-5 is an example 5 (an explanatory diagram illustrating a matrix) of an automatic equity security processing of the real estate registered equity processing system of the present invention.

Claims (3)

[Claims] [1] A certificate of real estate registration and a summary of the registration issued by the Computer Agency, which is a registry office under the jurisdiction of the Ministry of Justice, or detailed real estate registration data obtained from online real estate registration data of the Ministry of Justice, in the same property. From the image reader, the stated ownership of the co-owner, that is, the equity right, the seizure in the Ko-ku, the provisional registration of the transfer of the conditional ownership, etc., and the mortgage, root mortgage, and other rights as the security right in the second ward. Automatically read or manually enter only the items, owners including co-owners and right holders (hereinafter referred to as owners), reception date, reception number, type of right, variable interest, ranking number, real ranking, Index the owner's reception date and reception number at the time of setting the specified collateral, the work instruction code for the data of the registration contents of the data being processed, the registration reception date when obtaining the equity of the obligor, and the reception number Create a database file of real estate interests, etc., calculate the remaining interest by addition, subtraction, multiplication, and division, create a database of interests and various burden rights attached to the interests in chronological order, and perform automatic analysis in order to sequentially assign rights to the interests A real estate registered equity processing system characterized by clarifying the status of the property. 2. The data obtained as described above is arranged on the vertical axis with a title part, a sharer, and an equity, on the horizontal axis are allocated rights such as security rights, and within the matrix, the contract date for setting the rights is set. ,
2. The real estate registration equity processing system according to claim 1, wherein the registration contents can be visually judged, for example, by arranging a registration reception date, a reception number, etc., and adding red to the seizure information to call attention. 3. The data of the real estate equity database, etc. confirmed as described above is processed into a data format, such as a text data format, and then a data file is created. 3. The real estate registration equity processing system according to claim 1, which can be used as important input data of a computer application system.