KR20030022563A - A method offered service of a reverse auction for loan on security via computer network - Google Patents

Abstract

The present invention relates to a method for providing real estate mortgage reverse auction service through the Internet, wherein a user who accesses a service system inputs personal information and information about a collateral to a user connected to a service system, and stores the information in a database linked to the service system. Check user information and collateral information registered by the user through an information network linked to the service system, conduct real estate table appraisal and appraisal according to the user information and collateral information, and confirm the user information and collateral checked in the service system; Information and table appraisal and appraisal information are posted through the website of the service system, and loan product information presented by a financial company that retrieves the posted table appraisal and appraisal information is transmitted to the user, and among the loan product information. Which loan product information As a result, the user transfers the loan product information selected by the user to the service system, and the service system receiving the user's selection information notifies the financial institution of the loan transaction information to mediate the mortgage loan transaction. Mortgage loan transactions can be made only by inputting information through the Internet.Financial firms can secure mortgage transactions while trusting collaterals and users that have been checked, appraised and appraised by the service system, and mutual trust between users and financial firms. Through the user to make a reverse auction transaction to select a variety of loan products for the collateral.

Description

A METHOD OFFERED SERVICE OF A REVERSE AUCTION FOR LOAN ON SECURITY VIA COMPUTER NETWORK}

The present invention relates to a mortgage lending service through the Internet, and more particularly, to a method for providing a real estate mortgage lending service through the Internet to provide a loan product of a financial company by using a clear table appraisal and appraisal information. will be.

In general, mortgage loans are to be disposed of on behalf of the loan, if the user's house or real estate such as a mall, such as banks or securities firms failed to pay the loan, and the user borrows the money, It is common to implement not only electronic transactions but also loan services at each financial company through a developed network such as the Internet.

The loan of the financial company through the Internet accesses the website of the financial company posted on the Internet by the financial company, searches for loan products provided by the financial company, and selects any one of the searched loan products. According to the selection of the loan product, the information about the personal information and collateral of the user requested by the financial company is input, and the corresponding document is received and the personal information of the user and the information of the supporting document. It is determined that the loan is secured to the user.

In this case, the secured loan through the Internet, the financial company, such as the bank that performs the loan, the trust of the user who will receive the mortgage acts as an important factor, so that the financial company credit rating of the user to the user, As well as verifying the details of the bank transaction, the presence / absence of the workplace, the guarantor, and the like, the loan will be made after clarifying the facts on the collateral.

In addition, the assurance on the collateral may be made only by the financial company's personnel, so that the mortgage cannot be confirmed, and only for the real estate which has publicly available land prices such as apartments or real estates having a value that can be easily recognized by an unspecified majority. It is widely recognized that as a collateral for, the user who does not own the real estate such as the apartment is unable to secure the mortgage through the Internet.

Therefore, when the user does not have a job or does not work for a company such as a legal entity that can be recognized by an unspecified number of people, and applies for mortgage through the Internet using real estate other than an apartment as collateral, most financial companies There was a problem that the user can not receive a mortgage loan by refusing a mortgage.

In addition, in the case of a financial company that is difficult to secure the trust of the user, due to the fact that due diligence on the collateral is difficult, it is not possible to easily implement the security loan, as well as very few collateral loan products presented to the user and the financial company Everyone has an urgent need to improve their mortgage loans.

The technical problem to be achieved by the present invention was invented to solve the conventional problems as described above, and between the financial company and the user to increase the reliability of the collateral presented by the user, as well as the user applying for a mortgage loan over the Internet It is to provide a method of providing reverse auction service for real estate mortgage loan through the internet to make mortgage easier.

Another object of the present invention is to provide a variety of mortgage loan products to the user in a number of financial companies that trust the user and the collateral presented by the user, as well as the user's loan products due to the presentation of the various products The present invention provides a method of providing real estate mortgage reverse auction service through the Internet to enable the selection of reverse auction transactions.

Still another object of the present invention is to provide a financial company by posting verified information on the user and the collateral presented by the user on the Internet, and the mortgage product provided by the financial company that recognizes the information about the user and the collateral The present invention provides a method for providing a real estate mortgage reverse auction service through the Internet to facilitate the exchange of information between the user and the financial company by providing the user through the Internet, as well as to facilitate a mortgage transaction through the Internet.

Another object of the present invention, in addition to the table appraisal and appraisal information on the collateral presented by the user, and accumulates the information on the collaterals while recording, and using the accumulated information more than another collateral It is to provide a method of providing real estate mortgage reverse auction service through the Internet to achieve a clear feeling.

1 is a block diagram of a method for providing real estate mortgage reverse auction service through the Internet according to the present invention;

2 is a system diagram of a method for providing real estate mortgage reverse auction service through the Internet according to the present invention;

Figure 3 is a classification table of the real estate mortgage reverse auction service providing method through the Internet according to the present invention.

Figure 4 is a flow chart of the real estate mortgage reverse auction service providing method through the Internet according to the present invention.

<Description of Symbols for Major Parts of Drawings>

10-Service System 20-Database

30-Appraisal System 40-Information Network

60-Website 70-Internet

80-Client System 90-Financial Company

The present invention for achieving the technical problem to be achieved by the present invention, a service system that allows a service provider to perform a mortgage intermediary service interworking with the database, connected to a universal communication network such as the Internet to achieve information communication To exchange information by connecting to the service system and information network such as bank information network and ward office information network, and to establish a website for interworking with the service system and to publish it on the Internet. Receives a security loan request from the user, retrieves the user's credit information through the information network, stores the information in the database, searches the security information provided by the user in the existing information network and database, and also provides tabletop feelings and emotions. Evaluation of the collateral and the user's credit information The credit information of the user and the collateral to be built and posted through the website, and the financial company which has verified the posted credit information receives information on the loan product that can be provided for the collateral, and the received loan The product information may be provided or posted to the user through the Internet for selection.

Another feature of the present invention is that if the collateral is easily recognized by an unspecified number of persons or the collateral cannot be easily determined by the quoted land price, the service system travels to the place where the collateral is located. The credit information of the collateral is generated by the appraisal of the real thing.

Another feature of the present invention, the credit information of the collateral generated through the table appraisal and appraisal of the service system, and the credit information of the collateral collected through various information networks in the service system in the database to record the credit information of another collateral And using it as a criterion for value judgment on another collateral.

Another feature of the present invention is to record the information of the loan product provided by the financial company in accordance with the credit information of the collateral, and to record the information of the product for which collateral loan is made according to the credit information of the collateral on the Internet in the service system At the same time, the table appraisal and appraisal information of the collateral and the corresponding collateral loan product information is posted at the same time, characterized in that it is easier to provide information on the collateral loan to both the user and the financial company.

According to another aspect of the present invention, the table appraisal and appraisal information may include subject real estate confirmation information confirming the subject of the collateral, price point confirmation information such as real estate prices and interest rates at the time of implementation, and price types such as the sale or lease of the collateral. Information on the property, such as the area and height of the collateral, the information on the form of rights such as the ownership and lease of the collateral, the ward office information and bank information through the information network, and the area where the collateral is located. Regional analysis information, such as the commercial or residential area of Korea, individual analysis information such as the location and traffic conditions of the collateral in the region, the cost of the collateral and the comparison price between the real estate and the price information on the profitability of the collateral; Characterized in that the configuration.

Another feature of the present invention is characterized by providing the user with a plurality of financial company loan products received in the service system according to the user information, collateral information, and the loan information requested by the user.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 illustrates a configuration of a method for providing real estate mortgage reverse auction service through the Internet according to the present invention, and FIG. 2 illustrates a system for implementing a method for providing real estate mortgage reverse auction service through the Internet according to the present invention. 3 is a table showing the operation of each individual according to the present invention, Figure 4 is a flow diagram according to an embodiment of the present invention, the present invention system construction step (S10) and the loan acceptance step (S20) And, an evaluation evaluation step (S30), a loan application notice step (S40), a loan product receiving step (S50), and a loan product reverse auction step (S60).

The system building step S10 includes a server system building process, a communication network connection process, an information network connection process, and a website 60 posting process.

The server system building step (S10) may be performed by a service provider to perform a mortgage service, a central processing unit capable of arithmetic processing of information, a storage medium such as a hard disk drive storing the information, and input and output the information. To install and combine an operating system program such as Windows on Microsoft, which is programmed to communicate and control the various devices with each other. In addition to storing the information in another computer connected to work in conjunction with the database 20 to be programmed to enable the sorting, combination, input / output, modification.

The communication network connection process is connected to a communication network such as the Internet 70 in the server system and the modem to transmit and receive by the transmission and reception protocol commonly used to transmit and receive information to the server system, and protocols between each communication layer As such, a communication means such as a router for transmitting and receiving the information to another communication layer is provided, and the service system 10 including the server system and the database 20 is connected to the Internet 70 through the communication means.

In the information network connection process, the service system 10 connected to the Internet 70 and an institution such as a bank and a ward office are connected to each other to enable mutual information communication, and requesting each organization to authenticate communication through the Internet 70. To complete the authentication, and connects the service system 10 and the information network of each organization through the Internet 70 so that the server system and database 20 of the authenticated institution can search and transmit and receive the information. .

The website posting process includes information on a service to be provided by the service provider, information on the server system and database 20, and information on a user and a financial company 90 who wants to use the service on the Internet 70. Each web page recorded in a computer language such as a commonly used hypertext markup language (HTML) is generated, and an Internet 70 address (URL: Uniform Resource Locator) of these web pages and the service system 10 are generated. The website 60 consisting of a program or information communication method defining a storage location such as a database 20 of the database 20 and a connection method and an authentication method through the communication means of the service system 10, The website 60 stored in the storage medium or the database 20 and stored in the service system 10 through the communication means of the service system 10. Connect to the Internet 70.

In addition, the website 60 defines a connection and communication method for the service system 10 and the database 20, stores the prescribed matters, and the user and the financial company 90 and Of course, communication with the information network is achieved.

The loan acceptance step (S20) includes a user registration process, a collateral registration process, and a document acceptance process.

The user registration process is performed by the user who has recognized the contents of the web pages through the website 60 posted on the Internet 70 in the service system 10. After the user accesses the service system 10 completes the user authentication requested by the service system 10, the user accesses the service system 10 again to use the service.

In the user registration, the service system 10 that recognizes the user's connection requests the user to input an identification code, or retrieves an identification number such as a manufacturing number recorded in a communication means such as the user LAN card, so that the user It is determined whether or not the user is recorded in the database 20 of the service system 10, and if the user is a user not recorded in the database 20, the provisions of the database 20 and the website 60 Send a user registration web page for inputting user information such as personal information of the user to the client system 80 of the user so that the user inputs the user information, and the user information input by the user is the client of the user. Communication means installed in the system 80 and the client system 80, the Internet 70 and the service system The service system 10 is transmitted to the service system 10 according to the provision of the website 60 through the communication means of 10, and the service system 10 receiving the user information transmits the user information to the service system 10. ) Is recorded in the database 20. The service system 10 that records the user information requests the identification code consisting of a recognition text and a password composed of recognizable characters or symbols to the user and further records in the user information, or manufactures recorded in the communication means of the user. The number is searched and recorded further in the user information.

In addition, the user information includes information about the user's name, gender, work matters, age, family matters, etc., and includes information on the security loan desired by the user.

For the details of the security loan, the loan product list obtained by searching for the loan product of the financial company 90 in the service system 10 and the loan product list consisting of data accumulated by executing the service in the service system 10 are searched. The user transmits a summary of any one of the loan products or the corresponding information to the service system 10, and the service system 10 that receives the loan matters of the user further records the information on the user information in the user information. do.

The collateral registration process is to register the information of the real estate or real estate that the user intends to present as collateral in the service system 10 according to the regulations of the website 60. In this embodiment, the general valuation is easy. Real estate that can be achieved is limited to the object.

Registration of the collateral is carried by the user, or rented real estate information, such as charter or lease, etc. to the service system 10, the service system 10 receiving the collateral information, the information is the user information In addition, it records in the database 20.

In addition, the user registers the user information and the collateral information in the service system, and transmits the loan information to be secured by the collateral as collateral to the service system, and receives the loan information of the user in the service system. Of course, the loan information is stored in a database.

In addition, the service system 10 recording the user information and collateral information, the database by sorting the information in the order of the user's name, the order of the loan required by the user, the name of the collateral, the position of the collateral, the value of the collateral, etc. 20), and generate another list database 20 by generating a list of each of these sorted and stored information.

The document acceptance process includes the official system such as a resident registration copy, a certificate of employment, a land register, a building account book, a global contract, etc., in which the user can check user information and collateral information input through the client system 80. ). In this case, in principle, the official document is received in the form of a mail, and of course, the official document can be accepted instead of a picture file converted into a picture file through an image generating apparatus such as a scanner. In addition, the document provided by the user or a corresponding picture file is produced as a document file or a picture file that can be stored in the database 20 and further recorded in the user information position of the database 20.

The appraisal evaluation step S30 includes an information network search process, a table appraisal process, and an appraisal evaluation process.

In the information network search process, the service system 10 receives and sorts the user information, and receives and sorts the collateral information, so that the user's resident registration number information, residence information, and location information of the collateral according to each information. And the administrative information network of the ward office, in which the lease relation information of the collateral, the disclosure price information of the collateral, the personal information of the user, the bank credit information of the user, and the performance information of the loan transaction of the user are linked with the service system. In addition, the bank and the insurance company, securities company or credit rating company's information is retrieved and verified, and the document information, such as a resident registration copy, bank account copy, lease, etc. submitted by the user is checked and recorded in the user information of the database. .

Here, the information network 40 includes the collateral information accumulated in the database of the computer system by receiving and inspecting a plurality of users and collaterals by the Korea Appraisal Evaluation Association and the like.

The table appraisal process is performed by the user through the appraisal evaluation system 30 included in the service evaluation system 30 or another appraisal system 30 linked to the service system 10 and the information generated in the information network search process. The location information and address information of the real estate collateral presented are confirmed according to the user information, and the final information of the target real estate is recorded in the database 20, and the real estate price and price information at the time of the table appraisal for the collateral are recorded. The information is recorded in the database 20, and information such as whether the collateral provided by the user is rented or leased is recorded in the database 20, and the physical information such as whether the collateral is an area, a size, or a building structure. Generates and records in the database 20, the right form of whether the user owns or leases collateral Creates and stores the information in the database 20, confirms the collateral in accordance with the user information retrieved and recorded through the information network 40, local analysis information, such as whether the area where the collateral is located is a shop area or a residential area Generate and record in the database 20 and record individual analysis information such as whether the collateral is a store or a house in the region in the database 20 to measure the cost of the collateral and Measure the comparison price by comparing the value of the other real estate, measure the profit price through the rental and utilization of the collateral, and compare the value of the public information acquired through the information network (40) with the respective measured value to obtain the value information on the collateral Write to the database 20.

Here, the table sentiment can be measured by referring to the information recorded in the database 20 by measuring the collateral similar to the collateral in the service system 10, as well as to similar real estate in the area where the collateral is located. It is a matter of course that the table sentiment of the collateral can be achieved with reference to the measurement information.

The appraisal process requests the employee or appraisal company from the service system 10 based on the table appraisal information collected through the database 20 and the information network 40 of the service system 10. By using the inspection of the collateral to generate and confirm the information required for the table appraisal process, and to store the generated information in the database 20 to utilize in the table appraisal process, of course, the information of the appraisal evaluation It is used as reference information for appraisal of other collateral later.

The loan application publication step (S40) is configured to include a user information posting process, collateral information posting process, evaluation information posting process.

The user information posting process, the user who applied for the security loan to the service system 10 registers with the service system 10, the user information confirmed through the information network 40 in the service system 10, The user submits the document to the service system 10, and provides document information of the user information confirmed by the service system 10 in a computer language capable of information communication and posting on the Internet 70 in the service system 10. And publish on the Internet 70 through the website (60).

The collateral information posting process is the information on the collateral presented by the user to the service system 10, the information retrieved through the information network 40 in the service system 10 for the collateral, and the user to the collateral The document information submitted for the information is posted on the Internet 70 through the website 60.

The evaluation information posting process is to produce the table sentiment and emotion evaluation information, such as the information of the evaluation evaluation carried out by the service system 10 for the collateral to the web page and store in the database 20, the website Post to the Internet 70 through 60.

The loan product receiving step (S50) is configured to include a financial company acceptance process, application case search process, loan product presentation process.

In the financial company acceptance process, a financial company 90 such as a bank that recognizes a service provided by the service system 10 by accessing the website 60 of the service system 10 is registered with a user in the service system 10. Complete the authentication.

In the application search process, the financial company 90 retrieves web pages including user information, collateral information, and table appraisal and appraisal information, which are posted by the service system 10, and makes loans to the user as collateral from the collateral. Select the collateral or collateral you want to secure.

In the loan product presentation process, the financial company 90 that retrieves the user information, the collateral information, the table appraisal and the appraisal information, and provides the service system 10 through the website 60 with its product information about the collateral loan. And the database to link the loan product information to the user information, collateral information, table appraisal and appraisal information, respectively, in the service system 10 that has received the loan product information of the financial company 90. Stored in 20, and notified to the user through a web page of the service system 10, or notified through the user's Internet 70 mail.

The loan product reverse auction step (S60) comprises a loan product selection process, a loan transaction process, a settlement process, and the information cleaning process.

In the loan product selection process, a user who checks a list of loan products provided by the service system 10 through a web page and an e-mail of the service system 10 selects a loan product and displays the selection information on the website. A financial company that transmits the service system 10 to the service system 10 and stores the information in the database 20 at the time of receiving the user's selection information and presents the loan product at the same time. 90).

The loan transaction process is a mutual contact between the user and the financial company 90 and mutually contacted through the website 60 of the service system 10 to secure the collateral as a collateral, wherein the user and the financial company (90) In case of requesting documentary evidence submitted by the user or credit information of the financial company 90, the service system 10 notifies the user and the financial company 90 to mediate the real estate mortgage loan. .

The settlement process not only charges the brokerage fee to the user and the financial company 90, but also partially charges an appraisal fee for the collateral of the user according to the matter set in the user and the financial company 90, and the website ( 60) and the like, and stores the information in the database (20).

The information cleaning process includes the user information registered by the user, document information submitted by the user, information retrieved through the information network 40, collateral information presented by the user, and confirmation of the corresponding information. Information, desk appraisal and appraisal information, loan product information provided by the financial company 90 for the collateral, and transaction information established between the user and the financial company 90 are stored to be interoperable in the database 20. .

In this case, it is preferable to generate another real estate appraisal database 20 by separately storing the information retrieved or generated by the service system 10 and the information of the collateral generated by the business trip with respect to the collateral.

In addition, the service system 10 stores the user information, collateral information, and mortgage product information presented by the financial company that retrieved the loan information in the database 20 of the service system 10, and the stored collateral loan. The product information is sorted in order of low interest rates, products that can be loaned for a long time, and items suitable for the loan amount required by the user, and one or two of the highest priority in the sorted list of loan products. Of course, it is possible to notify the user of the three loan product information to make a secured loan transaction with the loan product specified in the service system.

Therefore, in the service system 10, the first user posts information about the service system 10 and the service provided by the service system 10, which are posted on the Internet 70 by the service system 10. User information such as personal information requested by the service system 10 by accessing through the website 60 defined by the communication method and program, information of collateral, and loan information that the user wants to borrow through collateral Transmits the user information to the service system 10 by operating the client system 80 of the user, and receives the user information from the storage medium or database 20 such as a hard disk drive. Store in

The service system 10 storing the user information in the database 20 searches for and confirms the information registered by the user through the information network 40 connected to the service system 10 through a communication network, and checks the lack of information. Have them submit proof of the information and store it in the database 20.

The service system 10 confirming the user information receives the information of the collateral presented by the user and stores it in the database 20, confirms the collateral information through the information network 40, and according to the collateral information. In the service system 10, the table appraisal for the collateral is performed to generate the table appraisal information, and the collateral information and the table appraisal information are posted on the Internet 70 through the website 60.

In this case, the service system 10 that has completed the table appraisal moves the employee to the place where the collateral is located to generate the appraisal information while checking the collateral, and generates the appraisal information by the database 20. Store in

The service system 10 posts the user information, collateral information, and table appraisal and appraisal information through the website 60, and loans to the collateral from the financial company 90 that retrieved the posted information. The product information is transmitted to the service system 10, and the service system 10 which has received the loan product information notifies the user of the loan product information.

The user receiving the loan product information searches for a list of loan products presented by the plurality of financial companies 90 and selects any loan product, and transmits the selection information to the service system 10, The service system 10 that has received the user's selection information notifies the financial company 90 that has presented the loan product selected by the user so that the user and the financial company 90 communicate with each other to broker the mortgage for the collateral. do.

Here, the service system 10 receives the mortgage loan product information registered by the financial company 90 and stores the sorted products in order of the products that can add the utilization and the user's profit to the database 20, and the sorting. Of course, some of the information on the secured loan product can be notified to the user to mediate to make a loan transaction with the financial company (90).

In addition, the service system 10 posts the table sentiment information on the collateral to receive the collateral loan product information of the financial company, and transmits the collateral loan information to the user to mediate collateral loan transactions between the user and the financial company In addition, the appraisal of the collateral may be provided to the financial company at the time when the collateral loan transaction is made.

As described above, the present invention is not limited to the above-described specific preferred embodiments, and any person having ordinary skill in the art without departing from the gist of the present invention claimed in the claims may be various. It is to be understood that such changes may be made, and such changes will fall within the scope of the claims.

As described above, according to the present invention, the user can receive a mortgage for the collateral simply by providing the user information and the collateral information to the service system through the Internet.

Another effect of the present invention is that a financial company can secure a mortgage transaction using the collateral by searching for user information and collateral information authenticated by the service system by accessing the service system through the Internet. .

Another effect of the present invention is to present the collateral information, the user is provided with a variety of loan product information of the financial company in the service system, so that any one of the loan product information can be selected, so that the user more It has the effect of improving the user's benefits by providing a choice.

Another effect of the present invention is to verify the user information and collateral information in the service system to provide to the financial company has the effect of improving the reliability of the user and the collateral.

Another effect of the present invention, by generating a table appraisal and sentiment evaluation information through the authorized appraisal of the collateral to provide the information to the financial company, the financial company trusts not only user information, but also collateral information presented by the user While making a transaction, there is an effect to achieve a credit transaction such as reverse auction.

Claims (4)

A service system capable of processing information and a database capable of recording, sorting and inputting / outputting the information can be constructed to interoperate with the service system, and communication means for connecting the service system to the Internet can be installed to communicate information over the Internet. It is possible to connect to the information network via the communication means and the Internet, the service system and the web pages produced in a computer language capable of information communication on the Internet information about the services provided by the service system and the service system and System construction step of posting on the Internet through a website that records the communication regulations of; Requiring registration and authentication to the user accessing through the service system's website, allowing the authenticated user to enter the mortgage application and the corresponding collateral information, and accept the necessary documents for the information to the user. ; Generates desk emotion information while searching and confirming the user information and the information of the collateral in the database of the service system and the information network, and performs the appraisal by inspecting the collateral to generate the table emotion and emotion evaluation information. Appraisal step of doing; A loan application posting step of posting user information identified in the service system, collateral information, and table appraisal and appraisal information on the collateral on the Internet through a website of the service system; The financial company that retrieved the user information, the collateral information, and the table appraisal and appraisal information posted through the website transmits the collateral loan product information for the collateral to the service system, and the collateral provided by the financial company. A loan product receiving step of posting loan product information to the Internet through the website or providing the user through an Internet mail; And Select one of the security loan product information provided by the service system and transmit the security loan product information to the service system, and the service system receiving the user's selection information sends the loan transaction information to the financial company corresponding to the selection information. Loan product reverse auctioning step of transmitting the mortgage brokerage between the user and the financial company; and a real estate collateral loan reverse auction service providing method comprising the. The method of claim 1, The appraisal step may include determining information of a target property for confirming location information on the property collateral provided by the user; Real estate market price and price information at the time of table appraisal for the collateral; Price category determination information regarding the lease and lease of the collateral; Physical information including the size and architectural form of the collateral; Rights form information regarding ownership and lease of the collateral of the user; Ward office information and financial information retrieved and recorded through the ward office information network and the financial information network; Regional analysis information of the region where the collateral is located; Individual analysis information in which the collateral includes the location, traffic, and use of the collateral; And The cost information of the collateral, the comparison price of the value of the real estate in the area, the price of the profit through the rental and utilization of the collateral, the price information measured the price; Method for providing real estate mortgage reverse auction service through the Internet, comprising the process. The method of claim 1, The appraisal step may include a process of performing a business trip on the collateral registered by the user in the service system and performing the inspection, and storing the generated information in the database in the database. . The method of claim 1, The information generated in the appraisal step is sorted and stored in the database according to the provision of the service system, and the information on the collateral stored in the database is utilized in the table appraisal process and appraisal process for the other collateral. How to provide real estate mortgage reverse auction service through the Internet.