TW202036456A - Real-time financial evaluation method and system based on house purchases with which a house buyer can easily and quickly obtain financial evaluation information related to house purchases - Google Patents

Abstract

In a real-time financial evaluation method and system based on house purchases, according to the building data stored in a data module and conforming to building data received from an online banking server and the location data corresponding to a target building, an appraisal evaluation module sends an appraised value evaluated by the appraisal evaluation module to an user end through the online banking server for displaying the appraised value of the target building; according to mortgage trial conditions from the online banking server, the evaluated appraised value and the customer financial data stored in a data module and corresponding to the loan application customer, a mortgage evaluation module sends the mortgage financial evaluation results obtained by using a mortgage evaluation model to a user end through the online banking server for displaying the mortgage financial evaluation results of the target building.

Description

Real-time financial evaluation method and system based on house purchase

The present invention relates to financial evaluation, in particular to a real-time financial evaluation method and system based on house purchase.

At present, for a client who is interested in buying a house, he or she can browse the relevant information of the building for sale provided by the housing agency or the home sales website, or go with the sales agent to see the actual condition of the building for sale. , If you intend to purchase the desired building, you must contact the relevant banking institution that can provide mortgage services to obtain the relevant mortgage information about the desired building when there is a loan demand. Specifically, before the actual house purchase transaction, the client must spend a considerable amount of time dealing with the aforementioned complicated house inspection process and the consultation process of the banking institution in order to obtain the financial evaluation information of the house purchase.

Therefore, how to enable prospective home buyers to easily and instantly obtain financial evaluation information related to the purchase of a house has become an important issue.

Therefore, an object of the present invention is to provide a real-time financial evaluation method based on house purchase, which can overcome at least one shortcoming of the prior art.

Therefore, a real-time financial evaluation method based on house purchases provided by the present invention is implemented using an online banking server and a real-time financial evaluation system that stores multiple pieces of building data related to multiple building objects, and Multiple client financial data related to multiple clients. The real-time financial evaluation method includes the following steps: (A) through the online banking server, sending an evaluation request from a user end that includes location data corresponding to a target building to the real-time financial evaluation system; (B) ) With the real-time financial evaluation system, after receiving the verification request from the online banking server and determining that the stored building data has a building that matches the location data contained in the verification request When data, based on the building data and using an appraisal evaluation model, the appraisal value of the target building is evaluated, and in response to the appraisal request, an appraisal reply containing at least the appraisal value is sent to the online banking Server; (C) through the online banking server, send the verification response from the evaluation server to the client for the client to display the verification response; (D) by the online banking server Device to send a mortgage evaluation request from the user end that contains the mortgage trial calculation conditions related to the target building and a loan applicant to the real-time financial evaluation system; (E) through the real-time financial evaluation system, according to The mortgage evaluation request contained in the online banking server includes the mortgage trial calculation conditions, the evaluation value, and the stored customer financial data, one of which corresponds to the customer financial data of the loan application customer and uses a mortgage evaluation The model obtains the housing loan financial evaluation results related to the target building, and in response to the housing loan evaluation request, sends a housing loan evaluation reply containing the housing loan financial evaluation results to the online banking server; and (F) through the online banking server Device to send the mortgage evaluation response from the financial evaluation system to the user terminal for the user terminal to display the mortgage evaluation response.

Therefore, another object of the present invention is to provide a real-time financial evaluation system based on house purchase, which can overcome at least one shortcoming of the prior art.

Therefore, the real-time financial evaluation system based on house purchase provided by the present invention is suitable for use with an online banking server, and includes a communication module, a data module, an appraisal evaluation module, and a mortgage evaluation module . The communication module is suitable for connecting to the online banking server via a communication network, and the data module stores multiple pieces of building data respectively related to multiple buildings and multiple pieces of customer financial data respectively related to multiple customers. The evaluation evaluation module is connected with the data module and the communication module, and the mortgage evaluation module is connected with the data module, the communication module and the evaluation evaluation module.

When the online banking server sends an authentication request from a user end that includes location data corresponding to a target building to the communication module, the authentication evaluation module receives the data from the communication module When the verification request of the online banking server determines that the building data stored in the data module has a building data that meets the location data contained in the verification request, the building data is used according to the building data An appraisal evaluation model evaluates the appraisal value of the target building, and in response to the appraisal request, sends an appraisal reply containing at least the appraisal value to the online banking server through the communication module, so that the The online banking server sends the received verification response to the user end, so that the user end can display the verification response.

When the online banking server sends a mortgage evaluation request from the user end that contains the mortgage trial conditions related to the target building and a loan customer to the communication module, the mortgage evaluation module uses the communication module. When the group receives the mortgage evaluation request from the online banking server, according to the mortgage trial calculation conditions contained in the mortgage evaluation request, the evaluation value evaluated by the evaluation evaluation module, and the data stored in the module One of the customer financial data corresponding to the customer’s financial data of the loan application customer obtains the financial evaluation result of the housing loan related to the target building, and responds to the housing loan evaluation request, through the communication module, will include the housing loan The housing loan evaluation response of the financial evaluation result is sent to the online banking server, so that the online banking server sends the received housing loan evaluation response to the user terminal for the user side to display the housing loan evaluation response.

The effect of the present invention is that when a user uses a user terminal to send an evaluation request related to the target building to the online banking server, the evaluation evaluation module can quickly evaluate the evaluation value of the target building, and the authentication The price value is provided to the client through the online banking server for display by the client, and when the user uses the client to send a mortgage evaluation request related to the target building to the online banking server, the mortgage evaluation model The team can quickly obtain the mortgage financial evaluation result of the target building, and the mortgage financial evaluation result is provided to the use order through the online banking server for display by the user end, thereby making it easy and instant for the prospective home buyers Obtain information related to the financial evaluation when buying a house.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are represented by the same numbers.

Referring to FIG. 1, a real-time financial evaluation system 100 based on house purchase according to an embodiment of the present invention is suitable for use with an online banking server 200 and a user terminal 300. In this embodiment, the client 300 is, for example, a mobile device (such as a smart phone, a tablet, etc.) installed with an online banking application, and when the client 300 executes the online banking application, the client 300 creates It is connected to the online banking server 200 and can log in to the personal online banking account of the online banking provided by the online banking server 200, but it is not limited to this example. In addition, the online banking server 200 is provided by a banking institution and stores identity verification data corresponding to multiple different (online banking) customers. The real-time financial evaluation system 100 includes a communication module 1, a data module 2, an appraisal evaluation module 3, and a mortgage evaluation module 4.

The communication module 1 is suitable for connecting to the online banking server 200 via a communication network such as the Internet.

The data module 2 pre-stores multiple pieces of building data respectively related to multiple (for sale) building objects, and multiple pieces of customer financial data respectively related to multiple customers. In this embodiment, each piece of building data includes, for example, the address data, appearance image data, and room type configuration data of one of the building objects corresponding to one of the building objects. The room type configuration data may include the type of building (such as apartment, building or Suites), the number of rooms, the number of parking spaces, and the total number of pings, but not limited to this. Each client's financial information includes, for example, the credit rating, risk level, and financial investment information related to one of these clients, but not limited to this. It is worth noting that such building information can be updated at any time based on the current status information provided by one or more housing agencies. In addition, in this embodiment, the customer financial data can be provided by the banking institution, but it is not limited to this.

The appraisal evaluation module 3 is connected to the data module 2 and the communication module, and can use a pre-established appraisal appraisal model for evaluating the value of the building to perform related processing of building appraisal. In this embodiment, the evaluation evaluation module 3 may include, for example, a processor and software that is executed by the processor and supports the evaluation evaluation model, but is not limited to this.

The mortgage evaluation module 4 is connected to the data module 2, the communication module 1 and the evaluation evaluation module 3, and can use a pre-established mortgage evaluation model used for mortgage financial evaluation to perform related processing of the mortgage . In this embodiment, the mortgage evaluation module 4 may include, for example, a processor and software that is executed by the processor and supports the mortgage evaluation model, but is not limited to this.

Hereinafter, referring to FIGS. 1 and 2 to illustrate how the real-time financial evaluation system 100 combines with the online banking server 200 and the user terminal 3 to perform a real-time financial evaluation process. The instant financial evaluation procedure includes the following steps S21~S33.

First, in step S21, when the user terminal 300 transmits the identity data generated by human input to the online banking server 200 by executing the online banking application, the online banking server 200 recognizes the identity according to the received identity. The data and the stored identity verification data are used to verify the identity of a user. Specifically, when the online banking server 200 determines that the identity information matches one of the pieces of identity verification data, it successfully verifies the user's identity. In this case, the user successfully logs in to a personal online banking account provided to the user by the banking institution.

Then, in step S22, the user terminal 300 sends an authentication request containing the location data corresponding to a target building to the online banking server 200. In this embodiment, the location data may include, for example, the address of the target building generated by human input, but it is not limited to this. In other embodiments, the location data may also include the location data of the terminal 300 sensed by a GPS module (not shown), and the appearance of the target building captured by an image capturing module (not shown) The appearance of the image. Incidentally, the target building, for example, can also choose from buildings with a variety of different room types in different communities provided by the online banking application, thereby providing customers with more choices.

After that, in step S23, the online banking server 200 transmits the evaluation request from the user terminal 300 to the instant financial evaluation system 100.

Next, in step S24, when the verification evaluation module 3 receives the verification request from the online banking server 200 via the communication module 1, it determines the pen buildings stored in the data module There is a piece of building data that matches the location data contained in the evaluation request. If the determination result is negative, it means that the real-time financial evaluation system 100 lacks the building data of the target building, and the evaluation evaluation module 3 sends an evaluation failure notification to the online banking server via the communication module 1 (step S25 ), the online banking server 200 sends an instruction to re-enter location data to the user terminal 300 in response to the authentication failure notification (step S26), so that the user terminal 300 re-executes step S22.

Conversely, if the determination result of step S24 is affirmative, it means that the real-time financial evaluation system 100 has the building data of the target building, and the flow proceeds to step S27.

In step S27, the appraisal evaluation module 3 evaluates the appraisal value of the target building based on the building data (conforming to the location data) and uses the appraisal evaluation model, and responds to the appraisal request , Sending an authentication response containing the authentication value and the room type configuration data of the target building to the online banking server 200 via the communication module 1.

Therefore, in step S28, the online banking server 200 sends the received verification response to the client 300, so that the client 300 can display the verification value and the room type configuration data included in the verification response .

Then, in step S29, the user terminal 300 is generated through manual operation and is related to the target building and the mortgage trial conditions of a loan applicant (ie, the customer who logs in to the personal online banking account), and includes the mortgage trial calculation conditions. The conditional mortgage evaluation request is sent to the online banking server 200. In this embodiment, the housing loan trial calculation conditions may include, for example, the loan period, the extension period, and the repair loan limit, but it is not limited to this example.

Then, in step S30, the online banking server 200 transmits the mortgage evaluation request from the user terminal 300 to the instant financial evaluation system 100.

Next, in step S31, when the housing loan evaluation module 4 receives the housing loan evaluation request from the online banking server 200 via the communication module 1, according to the housing loan trial calculation conditions contained in the housing loan evaluation request, The appraisal value evaluated by the appraisal evaluation module 3 and the client financial data stored in the data module 2, one of which corresponds to the client financial data of the loan application client, to obtain information related to the target building The housing loan financial evaluation result, and in response to the housing loan evaluation request, a housing loan evaluation reply containing the housing loan financial evaluation result is sent to the online banking server 200 through the communication module 1. In this embodiment, the housing loan financial evaluation result includes, for example, the loan amount and interest rate of the target building, but it is not limited to this example. For example, if the client's financial information of the loan applicant indicates that the loan applicant has good credit, in this case, for the loan applicant with good credit, the banking institution assumes a lower loan risk. Therefore, the banking institution will give lower loan interest rates.

Then, in step S32, the online banking server 200 transmits the received housing loan evaluation response to the user terminal 300.

Finally, in step S33, when the user terminal 300 receives the mortgage evaluation reply, it displays the loan amount and interest rate included in the mortgage evaluation reply.

At this point, the immediate financial evaluation procedure is completed. The mortgage amount and interest rate obtained by the real-time financial evaluation system 100 are displayed on the user terminal 300 and can be used as a reference for the purchase of the house by the loan applicant.

In summary, when the user uses the end of the user terminal 300 to send an evaluation request related to the target building to the online banking server 200, the evaluation module 3 can quickly evaluate the evaluation value of the target building , And the appraisal value is provided to the user terminal 300 through the online banking server 200 for the user terminal 300 to display, and when the user uses the user terminal 300 to send a mortgage evaluation request related to the target building to the online banking server After the server 200, the housing loan evaluation module 4 can quickly obtain the housing loan financial evaluation result of the target building, and the housing loan financial evaluation result is provided to the user terminal 300 through the online banking server 200 for display by the user terminal 300. Therefore, with the instant financial evaluation system 100 of the present invention, prospective home buyers can easily and instantly obtain financial evaluation information related to the housing loan demand, thereby completely avoiding the complicated housing inspection process and banking institutions necessary for the above-mentioned prior art. Consultation process. It can indeed achieve the purpose of the invention.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the patent specification still belong to This invention patent covers the scope.

100: Real-time financial evaluation system 1: Communication module 2: Data module 3: Valuation evaluation module 4: Loan Evaluation Module 200: online banking server 300: use end S21-S33: steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Fig. 1 is a block diagram exemplarily showing a real-time financial evaluation system based on house purchase, an online banking server and a user terminal according to an embodiment of the present invention; and FIG. 2 is a flowchart illustrating how the real-time financial evaluation system, the online banking server, and the user end jointly execute a real-time financial evaluation procedure.

100: Real-time financial evaluation system

1: Communication module

2: Data module

3: Valuation evaluation module

4: Loan Evaluation Module

200: online banking server

300: use end

Claims (9)

A real-time financial appraisal method based on house purchases is implemented using an online banking server and a real-time financial appraisal system. The real-time financial appraisal system stores multiple pieces of building data respectively related to multiple buildings and multiple pieces of Customer financial data of a customer, the financial evaluation method includes the following steps: (A) Through the online banking server, send an appraisal request from a user end that includes location data corresponding to a target building to the real-time financial evaluation system; (B) With the real-time financial evaluation system, after receiving the evaluation request from the online banking server and determining that the stored building data has a piece of data that matches the location data contained in the evaluation request According to the building data and using an appraisal evaluation model, the appraisal value of the target building is evaluated, and in response to the appraisal request, an appraisal reply containing at least the appraisal value is sent to The online banking server; (C) Send the verification response from the evaluation server to the client through the online banking server, so that the client can display the verification response; (D) Through the online banking server, a mortgage evaluation request from the user end that contains the mortgage trial calculation conditions related to the target building and a loan applicant is sent to the real-time financial evaluation system; (E) Using the real-time financial evaluation system, one of the mortgage trial conditions, the evaluation value, and the stored customer financial data contained in the mortgage evaluation request from the online banking server corresponds to The customer’s financial data of the loan applicant uses a mortgage evaluation model to obtain the mortgage financial evaluation result related to the target building, and in response to the mortgage evaluation request, a mortgage evaluation reply containing the mortgage financial evaluation result is sent to the Online banking server; and (F) Through the online banking server, send the mortgage evaluation response from the financial evaluation system to the user terminal, so that the user terminal can display the mortgage evaluation response. For the real-time financial evaluation method based on buying a house as described in claim 1, the online banking server stores multiple pieces of identity verification data corresponding to multiple different customers. Before step (A), it also includes the following steps: (G) Using the online banking server to determine whether the identity verification data from the user end used for identity verification matches one of the identity verification data; Wherein, when the online banking server determines that the identity data matches one of the pieces of identity verification data, step (A) is executed. For the real-time financial evaluation method based on house purchase as described in claim 1, the user end is a mobile device and each building data includes the address data and appearance image data of the building object corresponding to one of the building objects. In (A), the location data includes the address of the target building, or the appearance image of the target building and the location data of the user end. For the real-time financial evaluation method based on house purchase as described in claim 3, each building data also includes the house type configuration data of the corresponding building object, wherein, in step (B), the valuation response also includes the building data Contains the configuration information of the room type. For the real-time financial evaluation method based on house purchase as described in claim 1, each customer's financial data includes the credit rating, risk level, and financial investment data of one of the customers corresponding to one of the customers. In step (D In ), the mortgage trial calculation conditions include loan period, extension period and repair loan amount, and in step (E), the mortgage financial evaluation result includes the loan amount and interest rate of the target building. A real-time financial evaluation system based on house purchase, suitable for use with an online banking server, and includes: A communication module adapted to connect to the online banking server via a communication network; A data module that stores multiple pieces of building data respectively related to multiple buildings and multiple pieces of customer financial data related to multiple customers; An appraisal evaluation module, which connects the data module and the communication module; and A mortgage evaluation module, connected to the data module, the communication module and the evaluation evaluation module; Wherein, when the online banking server sends an authentication request from a user end that includes location data corresponding to a target building to the communication module, the authentication evaluation module receives it via the communication module When the verification request from the online banking server determines that the building data stored in the data module has a building data that matches the location data contained in the verification request, the building data And using an appraisal evaluation model to evaluate the appraisal value of the target building, and in response to the appraisal request, send an appraisal reply containing at least the appraisal value to the online banking server via the communication module, So that the online banking server sends the received verification response to the user end, so that the user end can display the verification response; and Wherein, when the online banking server sends a mortgage evaluation request from the user end that contains the mortgage trial calculation conditions related to the target building and a loan customer to the communication module, the mortgage evaluation module passes through the communication module. When the communication module receives the mortgage evaluation request from the online banking server, it is based on the mortgage trial calculation conditions contained in the mortgage evaluation request, the evaluation value evaluated by the evaluation evaluation module, and the data module One of the stored customer financial data corresponds to the customer financial data of the loan application customer, obtains the financial evaluation result of the housing loan related to the target building, and responds to the housing loan evaluation request through the communication module. The housing loan evaluation response of the housing loan financial evaluation result is sent to the online banking server, so that the online banking server transmits the received housing loan evaluation response to the user terminal for the user terminal to display the housing loan evaluation response. The real-time financial evaluation system based on house purchase as described in claim 6, in which: Each piece of building data includes the address data and appearance image data of one of the building objects corresponding to the building object; and The user end is a mobile device, and the location data includes the address of the target building, or the appearance image of the target building and the positioning data of the user end. According to claim 7, the real-time financial evaluation system based on house purchase, wherein each building data also includes the house type configuration data of the corresponding building object, and the evaluation response also includes the house type configuration contained in the building data data. The real-time financial evaluation system based on house purchase as described in claim 6, in which: Each client's financial data stored in the data module includes the credit rating, risk level, and financial investment data of one of these clients; The trial calculation conditions of the mortgage include the loan period, extension period and repair loan limit; and The financial evaluation result of the mortgage includes the loan amount and interest rate of the target building.

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