JP7493685B2 - Registration support device and registration support method - Google Patents

Description

The present invention relates to a registration support device and a registration support method that support applications for real estate registration.

Real estate registration refers to the recording of the physical current state and rights of real estate (land and buildings) in a registry for public notice. When selling real estate, the sales price is settled before the transfer of ownership is registered. The transfer of ownership is registered after it is confirmed that the sales price has been received by the owner. As a result, there is a time lag between the buyer transferring the purchase price and applying for the transfer of ownership registration, which places a heavy burden on the buyer.

For this reason, for example, Patent Document 1 describes an escrow system that acts as a third-party institution independent of the parties and interested parties in a real estate transaction. The escrow system accepts applications for changes to registration information from the owner, and accepts transfers to an escrow account from the buyer's financial institution at the request of the buyer. The escrow system then applies online for ownership transfer registration at the owner's request, and after ownership transfer registration is complete, makes a payment from the escrow account to the owner's account. In this way, the escrow system, as a third-party institution, holds the purchase costs, reducing the buyer's anxiety about paying the full amount for the property.

JP 2004-145635 A

When using an escrow system such as that described in Patent Document 1, it is necessary to deposit the purchase cost, so it usually costs a relatively high amount to use. In addition, depositing a high purchase cost with a third party increases the buyer's anxiety.

In addition, when buying and selling real estate, if there is a large time lag between the purchase price being transferred to the owner's account and the actual registration, if a seizure occurs during this time lag, problems may arise such as the property being unable to be registered despite the transfer having been made.

The present invention has been made to solve the above-mentioned problems, and aims to provide a registration support device and a registration support method that can reliably prevent the ownership transfer registration from being rejected even when the buyer has transferred the purchase price of the real estate to the real estate owner's account.

A registration support device that achieves the above object is a registration support device that supports changes to registration information accompanying the buying and selling of real estate, and is capable of communicating via a communication network with an owner-side terminal used by the owner of the real estate or a real estate agent who introduces a buyer for the owner to the real estate, a buyer-side terminal used by the buyer of the real estate or a real estate agent who mediates the purchase of the real estate for the buyer, a terminal used for applying for real estate registration, at least one buyer-side financial institution terminal used by a buyer-side financial institution that receives requests from the buyer, at least one owner-side financial institution terminal used by an owner-side financial institution where the owner's account has been opened, and an online registration system that accepts applications for real estate registration. a transfer registration document management unit that receives, from the owner's terminal, owner-side transfer registration document data necessary for an application for ownership transfer registration prepared by the owner, receives, from the buyer's terminal, buyer-side transfer registration document data necessary for an application for ownership transfer registration prepared by the buyer, and receives , from a terminal used for application for registration of the real estate , transfer registration application document data necessary for an application for ownership transfer registration; and a transfer registration document management unit that transmits, to the buyer's terminal or the registration support device, transfer hold instruction data requesting that, when a transfer procedure to the owner's account has been performed from the buyer's terminal or the registration support device to the buyer's financial institution terminal, the transfer of the purchase amount to the owner's account at the owner's financial institution be held in a transferable state. a payment management unit that transmits the transfer amount to a system for transferring money between financial institutions and enables the procedure for transferring money to the owner's account by the buyer's terminal or the registration support device; a transfer management unit that receives transfer hold notification data from the buyer's financial institution terminal or from the system for transferring money between financial institutions, which indicates that the transfer of the purchase price of the real estate to the owner's account has been put on hold in a transferable state; and a transfer registration data transfer management unit that, after receiving the transfer registration data including the owner's transfer registration document data, the buyer's transfer registration document data, and the transfer registration application document data and after receiving the transfer hold notification data, transfers the transfer registration data from the registration support device or the registration and a registration application management unit that enables an application for ownership transfer registration to be made to the online registration system via the communication network using the transfer registration data from a terminal used to apply for the registration of the real estate, wherein when the transfer management unit receives information from the registration application management unit or the terminal used to apply for the registration of the real estate indicating that the application for ownership transfer registration to the online registration system has been accepted, the transfer management unit transmits information to the buyer's financial institution terminal instructing it to release the hold on the transfer of the purchase price of the real estate to the owner's account and transfer the money, and the transfer management unit receives information from the owner's financial institution terminal indicating that the deposit of the purchase price of the real estate to the owner's account has been completed.

A registration support method for achieving the above object is a registration support method for supporting an application for real estate registration in an online registration system by a registration support device connectable to a communication network, comprising the steps of: receiving, from an owner's terminal used by the owner of the real estate or a real estate agent who introduces a buyer for the real estate for the owner, owner-side transfer registration document data necessary for an application for ownership transfer registration prepared by the owner; receiving, from a buyer's terminal used by the buyer of the real estate or a real estate agent who mediates the purchase of the real estate for the buyer, buyer-side transfer registration document data necessary for an application for ownership transfer registration prepared by the buyer; receiving transfer registration application document data required for application for ownership transfer registration from a terminal used by the buyer's financial institution receiving a request from the buyer; transmitting transfer hold instruction data from the buyer's terminal or the registration support device to at least one buyer's financial institution terminal used by the buyer's financial institution receiving a request from the buyer, the transfer hold instruction data requesting that, when a transfer procedure to the owner's account is performed, the transfer of the purchase amount to the owner's account at the owner's financial institution where the owner's account is opened be held in a transferable state, to the buyer's financial institution terminal or a system for transferring money between financial institutions; receiving transfer hold notification data from the buyer 's financial institution terminal or from a system for transferring money between financial institutions, which indicates that the transfer of the purchase cost of the real estate to the owner's account has been put on hold in a transferable state ; and after receiving the transfer registration data including the owner's transfer registration document data, the buyer's transfer registration document data, and the transfer registration application document data, and after receiving the transfer hold notification data, transferring the transfer registration data from the registration support device or from the terminal used for the application for the real estate registration via the communication network in response to an instruction from the terminal used for the application for the registration of the real estate. The method includes the steps of: applying for ownership transfer registration to the online registration system; when information indicating that the application for ownership transfer registration to the online registration system has been accepted is received from the online registration system or a terminal used for applying for the registration of the real estate , transmitting information to the buyer's financial institution terminal instructing it to release the hold on the transfer of the purchase price of the real estate to the owner's account and transfer it; and receiving information indicating that the deposit of the purchase price of the real estate to the owner's account has been completed from at least one owner's financial institution terminal used by the owner's financial institution where the owner's account has been opened.

The registration support device and registration support method configured as described above temporarily holds the transfer of the real estate purchase costs in a transferable state at the buyer's financial institution, and when the ownership transfer registration is accepted, the hold is released and the money is transferred to the owner's account, thereby reliably preventing the ownership transfer registration from being rejected even though the buyer has transferred the real estate purchase costs to the real estate owner's account.

When the transfer management unit receives information indicating that the application for ownership transfer registration to the online registration system has been rejected from the registration application management unit or the terminal used for the application for registration of the real estate , the transfer management unit may transmit information to the buyer's financial institution terminal instructing the cancellation of the transfer of the purchase cost of the real estate to the owner's account. In this way, when the ownership transfer registration is rejected, the transfer is cancelled and the purchase cost is returned to the buyer, thereby reducing the burden on the buyer and/or the buyer's financial institution.

The registration support device is connectable via a communication network to an owner-side creditor terminal used by an owner-side creditor who has a mortgage on real estate, and the registration support device receives from the owner-side creditor terminal cancellation registration document data prepared by the owner-side creditor and necessary for an application for cancellation of a registration that hinders the transfer of ownership of real estate, and receives from an agent terminal, which is a terminal used for applying for the registration of the real estate, cancellation registration application document data prepared by an agent who applies for the registration of the real estate, and necessary for an application for cancellation of a registration that hinders the transfer of ownership of real estate; and and a consent data management unit that receives consent data indicating that the owner consents to the owner-side creditor disclosing the cancellation registration document data to the agent, from the registration application management unit, and after receiving the cancellation registration data including the cancellation registration document data, the cancellation registration application document data, and the consent data, and after receiving the transfer hold notice data, the registration application management unit may be able to apply for a registration to cancel a registration that inhibits the transfer of ownership of real estate from the registration support device or from the agent terminal using the cancellation registration data via the communication network in response to an instruction from the agent terminal. Thus, the registration support device receives data necessary for the cancellation registration of a registration that inhibits the transfer of ownership of real estate, and after receiving the transfer hold notice data, enables an application for the cancellation registration of a registration that inhibits the transfer of ownership of real estate from the agent terminal. Therefore, the agent can quickly perform the cancellation registration of a registration that inhibits the transfer of ownership of real estate after the transfer to the owner is held in a transferable state. At this time, since the registration support device has received the consent data in advance, the owner's creditor can disclose the cancellation registration document data to the agent. Therefore, the agent can quickly apply for the cancellation of the registration that hinders the transfer of ownership of the real estate. Therefore, the time lag between the transfer and the 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 may include a step of transmitting information to the buyer's financial institution terminal instructing the cancellation of a transfer of the purchase cost of the real estate to the owner's account when information indicating that an application for ownership transfer registration to the online registration system has been rejected is received from the registration support device or a terminal used for the application for registration of the real estate. In this way, when the ownership transfer registration is rejected, the transfer is cancelled and the purchase cost is returned to the buyer, thereby reducing the burden on the buyer and/or the buyer's financial institution.

The registration support method may include the steps of receiving, from an owner-side creditor terminal used by an owner-side creditor who has a mortgage on real estate, cancellation registration document data prepared by the owner-side creditor and necessary for applying for the cancellation of a registration that hinders the transfer of ownership of real estate; receiving, from an agent terminal which is a terminal used for applying for the registration of the real estate , cancellation registration application document data prepared by an agent who applies for the registration of the real estate on behalf of the owner; receiving consent data from the owner-side terminal indicating that the owner agrees to the owner-side creditor disclosing the cancellation registration document data to the agent; and, after receiving cancellation registration data including the cancellation registration document data, the cancellation registration application document data, and the consent data, and after receiving the transfer hold notification data, making it possible to apply for a registration to cancel a registration that hinders the transfer of ownership of real estate from the registration support device or from the agent terminal via the communications network using the cancellation registration data in response to an instruction from the agent terminal. As a result, the registration support method allows an application for a mortgage cancellation registration to be made from the agent terminal after receiving data required for the cancellation registration of a registration that impedes the transfer of ownership of real estate and receiving the transfer hold notification data. Therefore, the agent can quickly perform the cancellation registration of a registration that impedes the transfer of ownership of real estate after the transfer to the owner is held in a transferable state. At this time, since the registration support device has received the consent data in advance, the owner's creditor can disclose the cancellation registration document data to the agent. Therefore, the agent can quickly apply for the cancellation registration of a registration that impedes the transfer of ownership of real estate. Therefore, the time lag between the transfer and the cancellation registration can be reduced, reducing the burden on the buyer and/or the buyer's financial institution.

A block diagram showing the configuration of a registration support system having a registration support device according to this embodiment. 2 is a block diagram showing the physical configuration of a registration support device. FIG. 1 is a block diagram showing the configuration of a registration support system. 1 is a sequence chart for explaining a control flow in the registration support system.

An embodiment of the present invention will be described below with reference to the drawings. A registration support system 10 having a registration support device 90 according to this embodiment is a system that supports real estate registration applications made via a communication network 300 such as the Internet, as shown in FIG. 1. The registration support system 10 is used when an owner sells real estate such as land or a building to a buyer. The registration support system 10 stores documents necessary for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration as electronic data without inadvertent tampering, and can support applications to the Legal Affairs Bureau's online application system 310 quickly and at the desired time.

An owner sells real estate, such as land or buildings, to a buyer. The real estate owned by the owner may or may not have a registered mortgage. If the owner has received a loan from an owner-side creditor, such as a bank, and has not paid off the loan in full, a mortgage is established on the real estate to secure the debt. If a mortgage is established on the real estate to be sold, the owner can use at least a portion of the amount paid by the buyer for repayment. The owner also asks the owner-side broker to mediate the sale of the real estate. If a mortgage is established on the real estate to be sold, the owner asks the agent to apply for a registration to remove the mortgage on the real estate to be sold. In other words, the owner asks the agent to register the registration to remove or cancel the registration that prevents the transfer of ownership. Registrations that prevent the transfer of ownership of real estate include, but are not limited to, mortgages, security interests, liens, surface rights, lease rights, and other usufruct rights. The owner-side creditor has the right to prevent the transfer of ownership of real estate. The owner may pay at least a portion of the amount paid by the buyer to cancel or terminate these rights. The owner's creditors are not limited to financial institutions such as banks that provide loans, but may also be the state, tax offices, administrative agencies, individuals, corporations, etc.

A buyer purchases real estate owned by an owner. When purchasing, the buyer may purchase the real estate with his own funds or may obtain a loan from the buyer's financial institution to cover at least a portion of the purchase price. The buyer also asks the buyer's broker to mediate the purchase of the real estate. The buyer also asks an agent to apply for a transfer of ownership of the real estate. The agent is, for example, a judicial scrivener or a lawyer. If the buyer obtains a loan from the buyer's financial institution, the buyer asks an agent to apply for a mortgage registration for the real estate to be purchased. The above-mentioned mortgage cancellation registration, ownership transfer registration, and mortgage registration may be performed by the same agent, or may be performed by different agents. For example, there may be an agent who performs the mortgage cancellation registration and another agent who performs the ownership transfer registration and mortgage registration. Or there may be an agent who performs the mortgage cancellation registration and ownership transfer registration, and another agent who performs the mortgage registration. Alternatively, the agents who carry out the mortgage cancellation registration, the ownership transfer registration, and the mortgage establishment registration may all be different persons.

The registration support system 10 comprises an owner terminal 20 used by the owner, an owner broker terminal 30 used by the owner broker, an owner creditor terminal 45 used by the owner creditor, an owner financial institution terminal 40 used by the owner financial institution where the owner's account has been opened, a buyer terminal 50 used by the buyer, a buyer broker terminal 60 used by the buyer broker, a buyer financial institution terminal 70 used by the buyer financial institution, an agent terminal 80 used by the agent, and a registration support device 90.

The owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, the agent terminal 80, the registration support device 90 and the online application system 310 are connected to each other so as to be able to communicate with each other via the communication network 300, but do not need to be connected at all times.

The owner terminal 20 is a terminal used by the owner selling real estate such as land or a building.

The owner-side creditor terminal 45 is a terminal used by the owner-side creditor. The owner-side creditor may have made a registration that prevents the transfer of ownership of real estate owned by the owner that is to be sold. As an example, in the following explanation, a case will be explained in which the owner-side creditor provides a loan to the owner and establishes a mortgage to secure the claim on the real estate. At least a portion of the amount the owner obtains from selling the real estate is planned to be used to pay off the loan. When the loan is paid off in full, the owner-side creditor plans to provide the owner with documents to cancel the mortgage. There may be multiple owner-side creditors providing loans to the owner. In this case, there will be multiple owner-side creditor terminals 45.

The owner's financial institution terminal 40 is a terminal used by the owner's financial institution where the owner's account has been opened. There may be multiple owner's financial institutions. In this case, there will be multiple owner's financial institution terminals 40. The owner's financial institution may also be the owner's creditor. The owner's financial institution terminal 40 may form part of a system that includes the financial institution's online banking system, etc. The owner's financial institution terminal 40 held by one financial institution may also be composed of multiple terminals (e.g. multiple computers or servers).

The owner's agent terminal 30 is a terminal used by a real estate agent who introduces buyers for the owner. The owner's agent usually introduces real estate information to other real estate agents (buyer's agents) and receives introductions to buyers from the other real estate agents. The owner's agent who receives a request from the property owner has the right to negotiate with the owner.

The owner's side intermediary terminal 30 may be able to perform all or at least some of the data transmission and reception performed by the owner terminal 20 on behalf of the owner terminal 20. Therefore, depending on the settings, the registration support device 90 may transmit and receive data to and from the owner terminal 20 to and from the owner's side intermediary terminal 30.

The buyer terminal 50 is a terminal used by a buyer who purchases real estate from the owner.

The buyer's financial institution terminal 70 is a terminal used by a financial institution that transfers funds when the buyer purchases real estate. The buyer's financial institution terminal 70 may also be a terminal used by a financial institution that provides financing for the real estate purchased by the owner. The buyer's financial institution may provide financing for at least a portion of the purchase price of the real estate purchased by the buyer. There may be multiple buyer's financial institutions that provide financing to the buyer. In this case, there may be multiple buyer's financial institution terminals 70. The owner's financial institution and the buyer's financial institution are different financial institutions, but they may also be the same financial institution. In this case, the buyer's financial institution terminal 70 is also the owner's financial institution terminal 40. The buyer's financial institution terminal 70 may be part of a system that includes the financial institution's online banking system, etc. In addition, the buyer's financial institution terminal 70 owned by one financial institution may be composed of multiple terminals (e.g., multiple computers and servers).

The buyer's agent terminal 60 is a terminal used by a real estate agent who brokers the real estate introduced by the owner's agent to the buyer. The buyer's agent does not have the right to negotiate directly with the owner of the real estate, and negotiations of various terms and conditions are conducted between the buyer and the owner's agent. Note that the buyer's agent may also be the owner's agent. In this case, the buyer's agent terminal 60 is also the owner's agent terminal 30.

The buyer's broker terminal 60 may be able to perform all or at least some 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 transmit and receive data to and from the buyer terminal 50 to and from the buyer's broker terminal 60.

The agent terminal 80 is a terminal used by an agent who applies for registration. Upon request from the owner or buyer, the agent applies for registration of transfer of ownership of the real estate being sold. If there are multiple agents, each agent uses a different agent terminal 80.

The owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, and the agent terminal 80 are composed of, for example, a computer, a server, a mobile terminal such as a mobile phone or tablet, or a dedicated device.

In this embodiment, a single real estate transaction will be described as an example, however, in an actual registration support system 10, for each real estate transaction, there is an owner terminal 20, an owner's broker terminal 30, an owner's financial institution terminal 40, an owner's creditor terminal 45, a buyer terminal 50, a buyer's broker terminal 60, a buyer's financial institution terminal 70, and an agent terminal 80, and multiple transactions are carried out in parallel.

The registration support device 90 is communicatively connected to the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, and the agent terminal 80 via a communication network 300. The registration support device 90 is a large-capacity server or computer for supporting changes to real estate registration information via the communication network 300.

The registration support device 90 has, as its physical hardware configuration, a memory device 91, a processing device 92, and a communication device 93, as shown in FIG. 2.

The storage device 91 is, for example, a semiconductor memory element such as RAM (Random Access Memory) or flash memory, or a hard disk, optical disk, etc. The storage device 91 can write or read information on the owner, the owner's broker, the owner's creditor, the owner's financial institution, the buyer, the buyer's broker, the agent, the buyer's financial institution, programs, etc., depending on the processing status. The storage device 91 can write or read information (electronic data) received from the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, and the agent terminal 80, depending on the processing status.

The processing device 92 is, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), etc. The processing device 92 executes a program stored in the storage device 91 using the RAM as a working area to perform calculation processing, and operates the communication device 93 and the storage device 91 according to the program to execute on the communication network 300. That is, the registration support system 10 according to this embodiment is stored, for example, in the storage device 91 of the registration support device 90. The registration support system 10 may be executed by cloud computing that utilizes multiple computer resources via the communication network 300.

The communication device 93 is an interface device that enables the registration support device 90 connected via the communication network 300 to communicate with the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, and the agent terminal 80, etc. The communication device 93 is capable of communicating with multiple terminals simultaneously.

Next, the registration support device 90 will be described in detail.

As shown in FIG. 3, the registration support device 90 has 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, a cancellation registration document management unit 150, a transfer registration document management unit 160, a mortgage registration document management unit 170, a payment management unit 180, a transfer management unit 190, a registration application management unit 200, and a status management unit 210.

The consent data management unit 100 manages consent data 101 indicating that the owner consents to the owner creditor disclosing to the agent documents related to the mortgage cancellation prepared by the owner creditor. For reasons such as the owner's personal information being included in the documents related to the mortgage cancellation prepared by the owner creditor, the owner creditor cannot disclose the documents to the agent without the consent data 10. Documents that cannot be disclosed to the agent without the consent data 10 include, for example, a registration certificate, a mortgage release certificate, a payment certificate, and registration cause certification information. The consent data management unit 100 transmits an input screen to the owner terminal 20. The owner can operate the owner terminal 20 to transmit 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 is image data such as PDF data obtained by scanning and digitizing a signed and sealed sales contract or consent document, image data input from the owner terminal 20 and electronically signing with a touch pen or finger, image data with a digital signature, etc. Note that the signing and sealing may be a signature seal, or may be only a signature if there is no contractual problem. This is the same for all documents in this specification. By preparing the consent data 101 in advance, the owner-side creditor can smoothly disclose documents related to the mortgage cancellation to the agent. Therefore, the agent can easily carry out the procedure to cancel the mortgage. The consent data 101 is uploaded and the fact that it is problem-free data is made public. The contents of the consent data 101 are not made public.

The identity verification data management unit 110 manages identity verification data that indicates that the owners and buyers using the registration support system 10 are the actual persons. 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 transmit his/her own owner identity verification data 111 to the identity verification data management unit 110, and the identity verification data management unit 110 can receive the owner identity verification data 111.

In addition, 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 transmit 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's broker terminal 70 can perform all or at least a part of the data transmission and reception performed by the buyer terminal 50 on behalf of the buyer terminal 50.

Identification data for owners and buyers is, for example, image data scanned and digitized from resident registration cards, driver's licenses, passports, health insurance cards, pension books, personal identification number cards, etc.

The personal identification data management unit 110 may also verify the authenticity of the personal identification data using a program such as AI (artificial intelligence) provided in the registration support device 90. In this case, the personal identification data is biometric information such as image data of the person acquired by a camera or various sensors provided in the owner terminal 20. The personal identification data management unit 110 may analyze the biometric information using a program (AI, etc.) provided in the registration support device 90 and verify the authenticity of the person by biometric authentication such as fingerprint authentication, hand or finger vein authentication, face authentication, or iris authentication. The owner personal identification data 111 is used when making a real estate purchase and sale contract, mortgage cancellation registration, ownership transfer registration, etc. The buyer personal identification data 112 is used when making a real estate purchase and sale contract, ownership transfer registration, mortgage establishment registration, etc.

The contact management unit 120 manages the communication of information indicating that the sales contract has been finalized. The contact management unit 120 transmits an input screen to the owner terminal 20. After the real estate sales contract has been finalized, the owner can operate the owner terminal 20 to transmit contact data 121, which is information indicating that the sales contract has been finalized and information including the determined settlement date, from the owner terminal 20 to the contact management unit 120. After receiving the contact data 121, the contact management unit 120 transmits the information of the contact data 121 to the owner-side creditor terminal 45. This allows the owner to easily and reliably notify the owner-side creditor 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 may have, for example, a button or check box that can easily notify information indicating that the sales contract has been finalized by selecting it, a button that can select the settlement date from a scroll screen or calendar, or a fill-in field in which characters can be entered by typing. The communication management section 120 causes the owner's side creditor terminal 45 to display, in text or the like, information indicating that the sales contract has been finalized and the settlement date.

The owner-side creditor who has been notified of the information of the contact data 121 including the settlement date inputs the mortgage cancellation amount calculated from the settlement date and interest rate and the cancellation amount data 131 including the transfer account information into the owner-side creditor terminal 45 and transmits it to the cancellation amount information management unit 130. The input screen displayed on the owner-side creditor terminal 45 may have, for example, a field in which the cancellation amount data 131 including the mortgage cancellation amount and the transfer account information can be entered by typing and transmitted. The cancellation amount information management unit 130 transmits the received cancellation amount data 131 information to the owner terminal 20 via the registration support system 10. This allows the owner-side creditor to easily transmit the cancellation amount data 131 information. The owner can also easily receive the cancellation amount data 131 including the mortgage cancellation amount and the transfer account information. Note that when the owner repays the owner-side creditor by debiting from an account, the transfer account information is not required.

The denomination information management unit 140 manages information on the denomination of the repayment amount to be repaid by the owner. The denomination information management unit 140 transmits an input screen to the owner terminal 20. After the real estate purchase and sale contract is finalized and before settlement, the owner can operate the owner terminal 20 to transmit denomination information data 141, including information on one or more transfer accounts to which the buyer will transfer the amount and the amount to be transferred to each transfer account, from the owner terminal 20 to the denomination information management unit 140. One piece of account information may be a transfer account notified to the cancellation amount information management unit 130 by the owner's creditor. Therefore, the denomination information management unit 140 may receive information on the transfer account of the owner's creditor from the cancellation amount information management unit 130 and transmit the information to the owner terminal 20. This allows the owner to easily notify the buyer and the buyer's financial institution of the denomination information data 141, including one or more account information and the amount to be transferred to each account. The input screen displayed on the owner terminal 20 may have, for example, selectable buttons and entry fields into which characters can be entered by typing.

The denomination information management unit 140 transmits the received denomination information data 141 to the buyer terminal 50 and the buyer's financial institution terminal 70. This allows the buyer and the buyer's financial institution to easily obtain information on the transfer account and transfer amount.

The cancellation registration document management unit 150 manages the cancellation registration document data 151, which is electronic data of documents necessary for the cancellation registration prepared by the owner-side creditor. The cancellation registration document management unit 150 transmits an input screen to the owner-side creditor terminal 45. The owner-side creditor can operate the owner-side creditor terminal 45 to transmit the cancellation registration document data 151 before the loan is paid off in full, and the cancellation registration document management unit 150 can receive the cancellation registration document data 151. The cancellation registration document data 151 is electronic data of documents that the owner-side creditor will hand over to the owner who has paid off the loan. The cancellation registration document data 151 is image data or text data such as PDF that is electronically scanned from registration identification information or registration completion certificate, mortgage release certificate, payment certificate, registration cause certification information, power of attorney, etc. The cancellation registration document management unit 150 stores and stores the received cancellation registration document data 151. The cancellation registration document management unit 150 may check whether there are any problems with the cancellation registration document data 151 using a program such as AI provided in the registration support device 90.

The cancellation registration document management unit 150 transmits an input screen to the agent terminal 80. The agent transmits the cancellation registration application document data 152 to the cancellation registration document management unit 150. The cancellation registration application document data 152 is image data such as PDF that is obtained by scanning and digitizing the registration application form, power of attorney, etc., to which the owner has signed and stamped at the time of settlement. The cancellation registration document management unit 150 stores and stores the received cancellation registration application document data 152. Alternatively, the cancellation registration document management unit 150 may transmit the cancellation registration application document data 152 created by the agent or automatically created by a program such as AI before the signing and stamping to the owner terminal 20 before settlement. The owner can electronically sign the cancellation registration application document data 152 with a touch pen or finger from the owner terminal 20, or affix a digital seal or digital signature to the cancellation registration application document data 152, and then transmit it to the cancellation registration document management unit 150. Alternatively, the owner may print out the cancellation registration application document data 152, sign and stamp it, and then scan and digitize the image data such as PDF, and send it from the owner terminal 20 to the cancellation registration document management unit 150.

The transfer registration document management unit 160 manages documents necessary for transfer registration prepared by the owner, buyer, and 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 transmit the owner side transfer registration document data 161 necessary for the transfer registration of real estate prepared by the owner to the transfer registration document management unit 160, and the transfer registration document management unit 160 can receive the owner side transfer registration document data 161. The owner side transfer registration document data 161 is electronic data of documents necessary for the real estate purchase and sale contract prepared by the owner. The owner side transfer registration document data 161 is image data or text data such as PDF that has been digitized by scanning a seal certificate or a title deed. The transfer registration document management unit 160 stores and stores the received owner side transfer registration document data 161. The transfer registration document management unit 160 may check whether there are any problems with the owner's transfer registration document data 161 using 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 send buyer-side transfer registration document data 162. The buyer-side transfer registration document data 162 is image data such as PDF that has been scanned and digitized from a resident card, a company copy if the buyer is a corporation, etc. The transfer registration document management unit 160 stores and stores the received buyer-side transfer registration document data 162. The transfer registration document management unit 160 may check whether there are any problems with the buyer-side transfer registration document data 162 using 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. Prior to settlement, the agent creates transfer registration application document data 163 before the name and seal are affixed, and transmits it to the transfer registration document management unit 160. The transfer registration document management unit 160 stores and stores the received transfer registration application document data 163 before the name and seal are affixed. The transfer registration application document data 163 is image data or text data such as PDF that is scanned and digitized from the registration application form, the registration certificate, the sales contract certificate, the registration cause certification information, the real estate fixed asset appraisal certificate, the power of attorney, etc. The agent can scan each document that is affixed with the name and seal by the owner and the buyer at the time of settlement or prior to settlement, and digitize it into image data such as PDF, and transmit it 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 transfer registration application document data 163. Alternatively, the transfer registration document management unit 160 may transmit the transfer registration application document data 163 before the name and seal are affixed, which is created by an agent or automatically created by a program such as AI of the registration support device 90, to the owner terminal 20 and the buyer terminal 50. The owner terminal 20 and the buyer terminal 50 can electronically sign the transfer registration application document data 163 with a touch pen or finger, or affix a digital seal or digital signature from the owner terminal 20 and the buyer terminal 50, and then transmit the data to the transfer registration document management unit 160. Alternatively, the owner and the buyer may print out a document, affix a name and seal or sign it, and then transmit image data such as a PDF that has been scanned and digitized from the owner terminal 20 and the buyer terminal 50 to the transfer registration document management unit 160.

The mortgage registration document management unit 170 manages documents necessary for mortgage registration prepared by the buyer, the buyer's financial institution, and the agent. The mortgage registration document management unit 170 sends an input screen to the buyer terminal 50. The buyer operates the buyer terminal 50 to send buyer registration document data 171 necessary for mortgage registration on real estate prepared by the buyer. The buyer registration document data 171 is image data such as PDF that has been scanned and digitized from a seal certificate, etc. The mortgage registration document management unit 170 stores and stores the received buyer registration document data 171.

The mortgage registration document management unit 170 transmits an input screen to the buyer's financial institution terminal 70. The buyer's financial institution can operate the buyer's financial institution terminal 70 to transmit the financial institution side registration document data 172, and the mortgage registration document management unit 170 can receive the financial institution side registration document data 172. The financial institution side registration document data 172 is electronic data of a document that the buyer's financial institution will hand over to the borrower after the loan contract. The financial institution side registration document data 172 is image data or text data such as PDF that is scanned and digitized from registration cause certification information (such as a mortgage contract certificate), a qualification certificate, a power of attorney, etc. The mortgage registration document management unit 170 stores and stores the received financial institution side registration document data 172. The mortgage registration document management unit 170 may check whether there is a problem with the financial institution side registration document data 172 using a program such as AI provided in the registration support device 90.

The mortgage registration document management unit 170 transmits an input screen to the agent terminal 80. The agent transmits the registration application document data 173 before, during, or after settlement. The registration application document data 173 is image data or text data such as PDF obtained by scanning and digitizing the registration application form, the registration certificate, the registration cause certification information, the power of attorney, etc. The agent can scan each document on which the buyer and the buyer's financial institution have signed and stamped at the time of settlement, convert it into image data such as PDF, and transmit it 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 registration application document data 173. Alternatively, the mortgage registration document management unit 170 may transmit the registration application document data 173 before the signing and stamping, which was created by the agent or was automatically created by a program such as AI of the registration support device 90, to the buyer's financial institution terminal 70 and the buyer terminal 50. The buyer's financial institution and the buyer can electronically sign or affix a digital signature to the mortgage registration application document data 173 from the buyer's financial institution terminal 70 and the buyer terminal 50 using a touch pen, finger, or the like, and then transmit the data to the mortgage registration document management unit 170. Alternatively, the buyer's financial institution terminal 70 and the buyer terminal 50 may transmit image data such as PDF, which is obtained by printing out a document, signing and sealing it, and then scanning and digitizing the document, to the mortgage registration document management unit 170 from the buyer's financial institution terminal 70 and the buyer terminal.

The payment management unit 180 manages the buyer's payment. The payment management unit 180 transmits an input screen to the agent terminal 80. When the payment management unit 180 determines that the data necessary for the application for registration to be carried out has been collected, it transmits information indicating that the data has been collected to the agent terminal 80 and transmits each piece of data to the agent terminal 80 so that it can be viewed. The payment management unit 180 may transmit the data to the agent terminal 80 so that it can be viewed in order from the data received. When transmitting the cancellation registration document data 151 to the agent terminal 80 so that it can be viewed, it is preferable that the payment management unit 180 processes the data to such an extent that it cannot be used for the cancellation registration. For example, the payment management unit 180 may perform image processing so as to hide part of the image data of the cancellation registration document data 151. It is preferable that the cancellation registration document data 151 is stored in a non-fungible manner using non-fungible token (NFT) technology. In addition, the payment management unit 180 can display the cancellation registration document data 151 that has become viewable 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. It is preferable that the payment management unit 180 can arbitrarily set which information cannot be downloaded to the agent terminal 80 or saved by image capture. This prevents the agent from performing a procedure using the cancellation registration document data 151 without permission, but allows the agent to check whether there are any problems with each piece of data using the agent terminal 80. When the agent confirms that there are no problems, the agent transmits information indicating that there are no problems with the data from the agent terminal 80 to the payment management unit 180. When the payment management unit 180 receives information indicating that the data necessary for the application for registration to be performed is complete and that there are no problems with the data, it transmits information indicating that the transaction is now possible to the terminals of all the parties involved. It is also possible that the payment management unit 180 does not allow the image data of the cancellation registration document data 151 itself to be viewed, but allows only the information that the cancellation registration document data 151 is stored and stored to be viewed. The payment management unit 180 may receive information indicating that there is no problem with the data from a program (AI, etc.) included in the registration support device 90. The program can check whether there is a problem with the data. When the registration to be performed is a mortgage cancellation registration, an ownership transfer registration, and a mortgage registration, the data required for the application of the registration to be performed are data required for the application of the mortgage cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152), data required for the application of the 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 the application of the mortgage registration (buyer side setting registration document data 171, financial institution side setting registration document data 172, and setting registration application document data 173). Furthermore, when the data required for the application for registration to be carried out is collected and the settlement date arrives, the payment management unit 180 transmits a payment instruction screen including a button for instructing payment to the buyer terminal 50. The buyer can transmit payment instruction data 181 instructing the execution of payment by operating the buyer terminal 50 and selecting a button on the payment instruction screen. After receiving the payment instruction data 181, the payment management unit 180 transmits information instructing the execution of payment to the buyer's financial institution via the buyer's financial institution terminal 70. The input screen displayed on the buyer terminal 50 may have, for example, selectable buttons and a field in which characters can be entered by typing. The link between the registration support system 10 and the Internet banking system of the buyer's financial institution terminal 70 can be realized, for example, by API (Application Programming Interface) linkage.

After receiving the payment instruction data 181, the buyer's financial institution checks whether there are any problems with the procedure, and if there are no problems, transfers the loan amount to the buyer's account. The buyer's financial institution transmits information indicating that the loan has been made from the buyer's financial institution terminal 70 to the payment management unit 180. Next, after receiving the information indicating that the loan has been made, the payment management unit 180 instructs the buyer's financial institution to make a payment to one or more accounts specified by the owner via the buyer's financial institution terminal 70. The buyer's financial institution's system transfers the money online from the buyer's account at the buyer's financial institution to the owner's account at the owner's financial institution using a settlement network for transferring money between banks. Note that the buyer's financial institution that provides the loan and the buyer's financial institution where the account for transferring (remittance) to the owner's financial institution is opened may be the same or different. If the buyer's financial institution that provides the loan is the same as the buyer's financial institution where the account for transferring the money to the owner's financial institution is opened, the payment management unit 180 may continuously perform the loan to the buyer's account and the transfer from the buyer's account to the owner's account with a single instruction. The buyer's financial institution transmits information indicating the transfer from the buyer's financial institution terminal 70 to the payment management unit 180.

In addition, before the transfer procedure is performed by the buyer terminal 50, the payment management unit 180 transmits transfer hold instruction data 182 to the buyer's financial institution's system via the buyer's financial institution terminal 70, requesting that the transfer of the real estate purchase cost to the owner's account at the owner's financial institution be held in a transferable state.

When the buyer's financial institution receives the transfer hold instruction data 182 and receives a transfer procedure via online banking or the like from the buyer's terminal 50, it holds the transfer of the real estate purchase price to the owner's account at the owner's financial institution in a state where it can be transferred, and sends transfer hold notification data 191 from the buyer's financial institution terminal 70 to the transfer management unit 190, indicating that the transfer has been put on hold.

The transfer management unit 190 manages the status of transfers to the owner. The transfer management unit 190 receives transfer hold notification data 191 from the buyer's financial institution terminal 70, indicating that the transfer has been put on hold. In addition, if the registration is accepted without problem, the transfer management unit 190 transmits to the buyer's financial institution terminal 70 hold release instruction data 192, requesting that the transfer be released and the transfer be made. In addition, the transfer management unit 190 receives from the buyer's financial institution terminal 70 transfer completion notification data 193, indicating that the transfer has been released and transferred to the owner's account. In addition, if the registration is not accepted, the transfer management unit 190 transmits transfer cancellation instruction data 194 to the buyer's financial institution terminal 70, requesting that the held transfer be cancelled.

When the owner's financial institution receives a transfer from the buyer and the money is deposited in the owner's account, the owner's financial institution transmits, from the owner's financial institution terminal 40 to the transfer management unit 190, a payment completion notification data 195 indicating that the payment has been deposited. The transfer management unit 190 receives the payment completion notification data 195 from the owner's financial institution terminal 40.

The registration application management unit 200 manages registration applications to the Legal Affairs Bureau. The registration application management unit 200 submits document data required for applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration from the agent terminal 80 to the Legal Affairs Bureau via the communication network 300 and the Legal Affairs Bureau's online application system 310. The collaboration between the registration support system 10 and the Legal Affairs Bureau's online application system can be realized, for example, by API collaboration.

The status management unit 210 manages the status of each data stored in the registration support device 90. The status management unit 210 records and stores information such as the presence or absence of each data stored in the registration support device 90, the date and time of transmission, information indicating that the stored data has not been changed, the fact that the transmitted data has been changed if it has been changed, the date and time of the change, and the presence or absence of approval by a program such as AI or an agent. Therefore, the status management unit 210 can display each data on the agent terminal 80 so that the agent can check whether there is a problem. After checking each data, if there is no problem, the agent operates the agent terminal 80 to send approval data 211 indicating that there is no problem with each data. The registration support device 90 receives and stores the approval data 211 from the agent terminal 80 by the status management unit 210.

Next, the control flow of the registration support device 90 will be explained with reference to Figures 3 and 4. Here, the case of applying for a mortgage cancellation registration, an ownership transfer registration, and a mortgage establishment registration will be explained as an example.

The registration support device 90 is capable of accepting data to be sent to the registration support device 90 from the owner, the owner's broker, the owner's financial institution, the buyer, the buyer's broker, the buyer's financial institution, and the agent in a state in which all document data required for application for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration has not been prepared, i.e., before settlement of the real estate transaction (step S01). The registration support device 90 sends an input screen to the terminals involved in the transaction so that each terminal can send the data it plans to send.

Prior to settlement, the owner transmits consent data 101 via the owner terminal 20, in which the owner's creditor agrees to the disclosure of documents related to the mortgage cancellation to the agent (step S02). The registration support device 90 receives the consent data 101 from the owner terminal 20 via the consent data management unit 100 and stores it.

In addition, when signing a real estate purchase and sale contract or making payment, the owner transmits owner identity verification data 111 from the owner terminal 20 to the identity verification data management unit 110 (step S03). This allows the system to confirm that the owner performing the procedure is the owner himself. The registration support device 90 receives the owner identity verification data 111 from the owner terminal 20 via the identity verification data management unit 110 and stores it.

After entering into a sales contract for the real estate but before settlement, the owner transmits contact data 121 from the owner terminal 20 indicating that the sales contract has been finalized and the settlement date (step S04). The registration support device 90 receives and stores the contact data 121 from the owner terminal 20 via 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 owner-side creditor terminal 45 (step S05). This allows the owner to easily and reliably inform the owner-side creditor that the sales contract has been finalized and the determined settlement date.

When the owner-side creditor receives the contact data 121 including the settlement date information through the owner-side creditor terminal 45, the owner-side creditor calculates the mortgage cancellation amount from the settlement date and interest rate, and transmits the cancellation amount data 131 including the mortgage cancellation amount and the transfer account from the owner-side creditor terminal 45 to the cancellation amount information management unit 130 (step S06). When the registration support device 90 receives the cancellation amount data 131 from the owner-side creditor terminal 45 through the cancellation amount information management unit 130, the registration support device 90 stores the data. Furthermore, the owner-side creditor transmits the cancellation registration document data 151 through the owner-side creditor terminal 45 (step S07). The registration support device 90 receives the cancellation registration document data 151 from the owner-side creditor terminal 45 through the cancellation registration document management unit 150 and stores it.

After receiving the cancellation amount data 131, the registration support device 90 transmits the information contained in the cancellation amount data 131 to the owner terminal 20 (step S08). This allows the owner to obtain the mortgage cancellation amount and information on the transfer account.

When the registration support device 90 receives the consent data 101 and the cancellation registration document data 151, it transmits the cancellation registration document data 151 to the agent terminal 80 so that it can be viewed (step S09). This allows the agent to confirm the cancellation registration document data 151. In other words, by preparing the consent data 101 in advance, the owner-side creditor can disclose documents related to the mortgage cancellation to the agent. Note that the cancellation registration document data 151 cannot be viewed or downloaded from terminals other than the owner-side creditor terminal 45 used by the owner-side creditor that transmits the data, and the agent terminal 80. This allows the registration support system 10 to ensure the security of transactions.

When the registration support device 90 receives the cancellation registration document data 151, the information that the cancellation registration document data 151 is stored and kept can be viewed from each terminal.

In addition, when the registration support device 90 transmits the cancellation registration document data 151 to the agent terminal 80 so that it can be viewed, it is preferable that the cancellation registration document data 151 is processed to an extent that it cannot be used for cancellation registration, or displayed on the agent terminal 80 so that it cannot be saved by downloading or image capture. If the cancellation registration document data 151 is stored in a non-fungible manner using non-fungible token (NFT) technology, unintended use of the cancellation registration document data 151 can be restricted. Alternatively, even if the registration support device 90 receives the cancellation registration document data 151 and the consent data 101, it may make only information that the cancellation registration document data 151 is stored and stored viewable on the agent terminal 80. Confirmation that there is no problem with the cancellation registration document data 151 may be performed by AI.

After receiving the information contained in the cancellation amount data 131 and before payment, the owner transmits denomination information data 141 including one or more transfer accounts and transfer amounts from the owner terminal 20 to the denomination information management unit 140 (step S10). The registration support device 90 receives and stores the denomination information data 141 from the owner terminal 20 via the denomination information management unit 140.

Furthermore, before payment, the owner transmits the owner side transfer registration document data 161 from the owner terminal 20 to the transfer registration document management unit 160 (step S11). The registration support device 90 receives the owner side transfer registration document data 161 from the owner terminal 20 via the transfer registration document management unit 160 and stores it.

When the buyer signs a real estate sales contract or settles the settlement, the buyer transmits the buyer identity verification data 112 from the buyer terminal 50 via the identity verification data management unit 110 (step S12). This verifies that the buyer who is carrying out the procedure through this system is the buyer in question. The registration support device 90 receives the buyer identity verification data 112 from the buyer terminal 50 via the identity verification data management unit 110 and stores it.

In addition, before settlement, the buyer transmits the buyer's side transfer registration document data 162 from the buyer terminal 50 (step S13) and transmits the buyer's side setting registration document data 171 (step S14). The registration support device 90 receives the buyer's side transfer registration document data 162 from the buyer terminal 50 via the transfer registration document management unit 160, and receives the buyer's side setting registration document data 171 via the mortgage setting registration document management unit 170, and stores them.

Prior to settlement, the buyer's financial institution transmits the financial institution side registration document data 172 via the buyer's financial institution terminal 70 (step S15). The registration support device 90 receives and stores the financial institution side registration document data 172 from the buyer's financial institution terminal 70 via the mortgage registration document management unit 170.

Prior to settlement, the agent uses the agent terminal 80 to create cancellation registration application document data 152 before the name and seal is affixed, transfer registration application document data 163, and establishment registration application document data 173, and transmits them to the registration support device 90. The registration support device 90 may be able to transmit to the agent terminal 80 fillable electronic data of the cancellation registration application document, transfer registration application document, and establishment registration application document before filling them out, in response to a request from the agent terminal 80 (for example, by selecting a button on the screen). The agent can use the electronic data of each document received at the agent terminal 80 before filling out to create cancellation registration application document data 152 before the name and seal is affixed, transfer registration application document data 163, and establishment registration application document data 173. The registration support device 90 receives the cancellation registration application document data 152 from the agent terminal 80 through the cancellation registration document management unit 150, receives the transfer registration application document data 163 from the transfer registration document management unit 160, and receives and stores the mortgage registration application document data 173 from the mortgage registration document management unit 170. At the time of settlement, the agent prints out the cancellation registration application document data 152 before the signature and seal, shows it to the owner, has the owner and the buyer sign and seal it, then digitizes and transmits it as image data from the agent terminal 80 to the registration support device 90 (step S16). Also, at the time of settlement, the agent prints out the transfer registration application document data 163 before the signature and seal, shows it to the owner and the buyer, has the owner and the buyer sign and seal it, then digitizes and transmits it as image data from the agent terminal 80 to the registration support device 90 (step S17). Furthermore, at the time of settlement, the agent prints out the establishment registration application document data 173 before the name and seal are affixed, shows it to the buyer, and after the buyer affixes the name and seal, digitizes the data and transmits it as image data from the agent terminal 80 to the registration support device 90 (step S18). The cancellation registration application document data 152, transfer registration application document data 163, and establishment registration application document data 173 with the name and seal affixed are stored in the registration support device 90. The name and seal may be an electronic signature such as a digital signature. In this case, the agent does not need to print and scan each document.

The registration support device 90 transmits, for each data item received, a display indicating whether the data exists, a display indicating the date and time of transmission, information indicating that the stored data has not been changed, and information indicating the fact that the transmitted data has been changed (for example, a display of the date and time of change) to a set terminal (for example, the terminals of all related parties). This allows the owner, the owner's broker, the owner's creditor, the owner's financial institution, the buyer, the buyer's broker, the buyer's financial institution, and the agent to check the collection status of the data required for registration on their own terminals. In addition, when the stored data is modified, deleted, or replaced, the registration support device 90 allows the owner, the owner's broker, the owner's creditor, the owner's financial institution, the buyer, the buyer's broker, the buyer's financial institution, and the agent to confirm that the data has been modified, deleted, or replaced. Then, each data item is confirmed by AI or an agent and then approved as being problem-free data. It is preferable that the agent can check each data required for registration that has been made viewable by the payment management unit 180 of the registration support device 90, using the agent terminal 80, before settlement (step S19). For data that the agent has checked and approved as acceptable, the agent can transmit information indicating that the data is approved to the registration support device 90 using the agent terminal 80. After the data is approved, the registration support device 90 transmits the fact that the data has been approved to the terminals of all the related parties using characters, colors, symbols, etc. (step S20). The registration support device 90 may also make it impossible to modify, delete, or replace data that has been approved. This makes it possible to prevent tampering with the approved data.

When the mortgage cancellation registration, ownership transfer registration, and mortgage registration are performed by different agents, there are multiple agent terminals 80 in relation to one real estate transaction. It is preferable that each agent prepares and checks the application documents for the registrations they are responsible for. For example, when agent A is in charge of mortgage cancellation registration, it is preferable that agent A prepares and transmits the cancellation registration application document data 152 from the agent terminal 80 used by agent A before settlement, and confirms whether there are any problems with the data required for the mortgage cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152, etc.) (step S19). When agent B is in charge of ownership transfer registration, it is preferable that agent B prepares and transmits the transfer registration application document data 163 from the agent terminal 80 used by agent B before settlement, and confirms whether there are any problems with the data required for the ownership transfer registration (owner side transfer registration document data 161, buyer side transfer registration document data 162, transfer registration application document data 163, etc.) (step S19). Furthermore, when the agent C is in charge of the mortgage registration, it is preferable that the agent C creates and transmits the mortgage registration application document data 173 from the agent terminal 80 used by the agent C before settlement, and also checks whether the data required for the mortgage registration (buyer's registration document data 171, financial institution's registration document data 172, and registration application document data 173, etc.) are correct (step S19). Each agent can transmit information indicating that the data is approved to the registration support device 90 from each agent terminal 80 for data that the agent has confirmed and approved as being correct. After the data is approved, the registration support device 90 transmits the approval of each data to the terminals of all the parties by using characters, colors, symbols, etc. (step S20).

The registration support device 90 determines the status when the data required for the mortgage cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152), the data required for the ownership transfer registration (owner's transfer registration document data 161, buyer's transfer registration document data 162 and transfer registration application document data 163) and the data required for the mortgage establishment registration application (buyer's establishment registration document data 171, financial institution's establishment registration document data 172 and establishment registration application document data 173) are all collected and have been confirmed by an AI or other program or an agent and approved as being problem-free. After the registration support device 90 has determined that all the data are collected and there are no problems, it disables the modification, deletion, and replacement of each data (at least the data required for the application for the mortgage cancellation registration, ownership transfer registration, and mortgage registration) from the terminals of all the parties involved in the transaction (the owner terminal 20, the owner side broker terminal 30, the owner side financial institution terminal 40, the owner side creditor terminal 45, the buyer terminal 50, the buyer side broker terminal 60, the buyer side financial institution terminal 70, and the agent terminal 80) (step S21). This allows each data to be preserved in an approved state. Next, the status management unit 210 notifies the owner terminal 20, the owner side broker terminal 30, the owner side financial institution terminal 40, the owner side creditor terminal 45, the buyer terminal 50, the buyer side broker terminal 60, the buyer side financial institution terminal 70, and the agent terminal 80 that the mortgage cancellation registration, ownership transfer registration, and mortgage registration are now possible (step S22).

Furthermore, 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 on the displayed payment instruction screen on the determined settlement date to instruct the execution of payment (step S25). The registration support device 90 receives payment instruction data 181 from the buyer terminal 50. The registration support device 90 accesses the Internet banking of the buyer's financial institution linked to the registration support system 10, and displays a screen for making a transfer on the buyer terminal 50 (step S26). The buyer transfers the specified amount to one or more transfer accounts specified by the denomination information from the Internet banking screen of the buyer's financial institution displayed on the buyer terminal 50 or the screen of the registration support system 10 (step S27).

In addition, when a transfer procedure is performed before the transfer from the buyer terminal 50, the registration support device 90 transmits to the buyer financial institution, via the buyer financial institution terminal 70, transfer hold instruction data 182 requesting that the transfer of the purchase amount to the owner's account at the owner financial institution be held in a transferable state (step S24). The timing of transmitting the transfer hold instruction data 182 is not particularly limited as long as the transfer can be held, but it is, for example, the timing when all documents are collected and registration is possible (step S22). When the transfer is held, the purchase amount in the buyer's account is held in a transferable state, and the buyer cannot cancel the transfer, and therefore the held purchase amount cannot be used for another purpose, and the held purchase amount can be reliably transferred by simply releasing the hold. It is preferable that the transfer can be canceled only from the buyer financial institution or the registration support device 90 that can transmit the transfer cancellation instruction data 194. A request to the buyer's financial institution to withhold the funds without transferring them to the owner's account at the owner's financial institution may be made without going through the system (for example, by email, telephone, facsimile, mail, etc.). In this case, the registration support device 90 does not need to transmit the transfer withholding instruction data 182 to the buyer's financial institution terminal 70.

When the transfer procedure is performed by the buyer terminal 50, the buyer's financial institution that has received the deposit hold instruction data 182 or has previously received a request to hold the transfer without going through the system holds the transfer of the purchase amount to the owner's account at the owner's financial institution in a state where it can be transferred. Next, the buyer's financial institution sends transfer hold notification data 191 indicating that the transfer to the owner's account has been held to the registration support device 90 via the buyer's financial institution terminal 70 (step S28). The registration support device 90, which has received the transfer hold notification data 191, notifies the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, and the agent terminal 80 that the transfer has been held (step S29).

The registration support device 90, which has received the transfer hold notification data 191, notifies the agent terminal 80 that a transfer from the buyer to the owner's account is on hold in a transferable state, and requests that a mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration be made (step S30), and makes it possible to apply for a mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration (step S31). In this embodiment, the registration support system 10 is linked to the online application system 310 of the Legal Affairs Bureau. In this case, the data required for registration can be applied for online directly from the registration support device 90 to the online application system 310 without going through the agent terminal 80.

The agent sends instructions to the registration support device 90 via the agent terminal 80 (step S32). As a result, the registration support device 90 submits electronic data for the mortgage cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152), electronic data for the ownership transfer registration (owner's transfer registration document data 161, buyer's transfer registration document data 162 and transfer registration application document data 163), and electronic data for the mortgage registration (buyer's registration document data 171, financial institution's registration document data 172 and registration application document data 173) online to the online application system 310 (step S33). At this time, the registration support device 90 stores consent data 101 in which the owner agrees to the owner's creditor disclosing the cancellation registration document data 151 to the agent, so the owner's creditor can disclose the cancellation registration document data 151 to the agent. Since the transfer is made when all documents necessary for registration are prepared, the applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration can be made smoothly and quickly. It is preferable that the applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration are made in one continuous procedure, but they may be made in separate procedures.

The registration support device 90 can simultaneously apply for a mortgage cancellation registration, ownership transfer registration, and mortgage registration by a joint application. A joint application may be made by one agent on behalf of the other, or each agent may apply for a joint registration for each registration that they apply for individually. When there are multiple agent terminals 80, the registration support device 90 transmits a selection screen having buttons or the like for selecting which agent will apply for the joint registration on behalf of the other agent terminals 80 before the registration application is made, to each agent terminal 80 before the registration application is made. The registration support device 90 may transmit the selection screen to the terminals of other related parties (the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, or the buyer's financial institution terminal 70). Any of the persons to whom the selection screen has been transmitted selects, at any timing or a predetermined timing before the registration application is made, which agent will make a representative joint application or whether each agent will make a joint application for the registrations that they individually apply for, by a terminal that he or she uses, and transmits the selection to a registration support device 90.

When one of the agents sends instructions regarding the consecutive application on behalf of the agents, the registration support device 90 makes it possible to apply for the mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration when it receives instructions from the agent terminal 80 selected as the representative (step S31). The representative agent sends an instruction to the registration support device 90 to make a registration application using the agent terminal 80 (step S32). The registration support device 90 adds the fact that a consecutive application is being made to the cancellation registration application document data 152, the transfer registration application document data 163, and the establishment registration application document data 173. Next, the registration support device 90 automatically and appropriately sets the order of registration, and in this embodiment, submits the electronic data required for registration to the online application system 310 in the order of mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration (step S33).

When each agent applies for registrations individually, the registration support device 90 automatically and appropriately sets the order of registrations in order to apply the mortgage cancellation registration, ownership transfer registration, and mortgage registration online in a consecutive manner. In this embodiment, the registration support device 90 first makes the mortgage cancellation registration available for application when it receives an instruction from the agent terminal 80 of the agent in charge of the mortgage cancellation registration (step S31). When the agent in charge of the mortgage cancellation registration sends an instruction for registration application from the agent terminal 80 (step S32), the registration support device 90 that receives the instruction submits electronic data for the mortgage cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152) to the online application system 310 online (step S33). Next, the registration support device 90 receives the acceptance number for the mortgage cancellation registration online from the online application system 310.

Next, the registration support device 90 makes it possible to apply for the ownership transfer registration if it receives an instruction from the agent terminal 80 of the agent in charge of the ownership transfer registration (step S31). When the agent in charge of the ownership transfer registration sends an instruction for the registration application via the agent terminal 80 (step S32), the registration support device 90 that receives the instruction automatically adds to the transfer registration application document data 163 the fact that it is a related case to the mortgage cancellation registration of the real estate, the date of the mortgage cancellation registration, and the reception number, and submits the electronic data for the ownership transfer registration (owner's side transfer registration document data 161, buyer's side transfer registration document data 162, and transfer registration application document data 163) to the online application system 310 online. Next, the registration support device 90 receives the reception number for the ownership transfer registration online from the online application system 310.

Next, the registration support device 90 makes it possible to apply for a mortgage registration if it receives an instruction from the agent terminal 80 of the agent in charge of the mortgage registration (step S31). When the agent in charge of the mortgage registration sends an instruction for the registration application via the agent terminal 80 (step S32), the registration support device 90 that receives the instruction automatically adds to the registration application document data 173 that the registration is a linked case with the ownership transfer registration of the real estate, the date of the ownership transfer registration, and the reception number, and submits the electronic data for the mortgage registration (buyer's registration document data 171, financial institution's registration document data 172, and registration application document data 173) to the online application system 310 online. This allows the registration support device 90 to apply for the mortgage cancellation registration, ownership transfer registration, and mortgage registration in a linked case online. In addition, even when one agent makes a consecutive application on behalf of another, similar to the case where each agent applies for a consecutive registration individually as described above, the registration support device 90 may submit the registration applications to the online application system 310 in sequence, automatically notating that the application is consecutive to the previous registration, the date of the previous registration, and the reception number.

The registration support device 90 may enable online applications for mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration via the agent terminal 80. In this case, the agent terminal 80 is linked to the online application system 310 of the Legal Affairs Bureau. Data required for registration is transmitted from the registration support device 90 to the agent terminal 80 after the registration support device 90 makes it possible to apply for registration (step S31). The agent then receives the data via the agent terminal 80 and submits an online application from the agent terminal 80 to the online application system 310.

Upon instruction from the agent terminal 80, the registration support device 90 submits electronic data for mortgage cancellation registration, ownership transfer registration and/or mortgage establishment registration online to the online application system 310, and then receives notification of the result of the registration application (accepted or not accepted) from the online application system 310.

When the registration support device 90 receives a notification that the mortgage cancellation registration, ownership transfer registration, and mortgage registration have been accepted without problem (step S34), the registration support device 90 transmits hold release instruction data 192, which is an instruction to release the hold on the transfer to the owner's account, to the buyer's financial institution terminal 70 (step S35). The buyer's financial institution, which has received the instruction from the registration support device 90 to the buyer's financial institution terminal 70, transfers the held purchase amount to the owner's account. Next, the buyer's financial institution transmits transfer completion notification data 193, which is information indicating that the purchase amount has been transferred to the owner's account, to the registration support device 90 via the buyer's financial institution terminal 70 (step S36).

The owner's financial institution that has received the transfer uses the owner's financial institution terminal 40 to send to the registration support device 90 the payment completion notification data 195, which is information indicating that the purchase amount has been deposited into the owner's account (step S37). The registration support device 90 receives the payment completion notification data 195 from the owner's financial institution terminal 40. Note that the registration support device 90 does not need to receive the payment completion notification data 195 from the owner's financial institution terminal 40 as long as it can receive the payment completion notification data 193 from the buyer's financial institution terminal 70.

Next, the registration support device 90, via the status management unit 210, transmits information indicating that the registration and transfer have been completed to the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70 and the agent terminal 80 (step S38). This completes the registration support system 10's support for changing the registration information. Thereafter, the agent mails to the Legal Affairs Bureau the original of the electronic data submitted to the Legal Affairs Bureau via the online application system when applying for registration.

When the registration support device 90 is notified that at least one of the mortgage cancellation registration, ownership transfer registration, or mortgage establishment registration has been rejected (step S34), the registration support device 90 transmits transfer cancellation instruction data 194, which is an instruction to cancel the transfer to the owner's account, to the buyer's financial institution terminal 70 (step S39). The buyer's financial institution, which has received the instruction from the registration support device 90 at the buyer's financial institution terminal 70, cancels the pending transfer of the purchase amount and transmits information indicating that the transfer has been canceled to the registration support device 90 (step S40). Next, the registration support device 90 transmits information indicating that the registration was not accepted and the transfer was not made to the owner terminal 20, the owner side intermediary terminal 30, the owner side financial institution terminal 40, the owner side creditor terminal 45, the buyer terminal 50, the buyer side intermediary terminal 60, the buyer side financial institution terminal 70, and the agent terminal 80 by the transfer management unit 190 (step S41). This completes the registration information change support of the registration support system 10. The registration support device 90 may also transmit an instruction to the buyer side financial institution terminal 70 to continue the hold instead of canceling the transfer. For example, if the documents, etc. can be corrected so that the registration application is accepted, the registration support device 90 may continue the hold without canceling the transfer, and after the documents, etc. are corrected and the registration is accepted again, an instruction to the owner side financial institution terminal 40 to release the hold on the transfer to the owner account and transfer the transfer may also be transmitted.

As described above, the registration support device 90 according to this embodiment is a registration support device 90 that supports changes to registration information associated with the buying and selling of real estate, and includes an owner's terminal 21 (owner terminal 20 and/or owner's broker terminal 30) used by the owner of the real estate or a real estate agent who introduces a buyer for the owner to the real estate, a buyer's terminal 51 (buyer terminal 50 and/or buyer's broker terminal 60) used by the buyer of the real estate or a real estate agent who mediates the purchase of the real estate for the buyer, and an agent terminal used by an agent who applies for the registration of the real estate. 80, a buyer's financial institution terminal 70 used by a buyer's financial institution that receives requests from the buyer, and an online registration system 310 that accepts applications for real estate registration can be connected via a communication network 300, and the terminal 21 or the brokerage agent terminal 30 receives owner's transfer registration document data 161 necessary for an application for ownership transfer registration prepared by the owner, receives buyer's transfer registration document data 162 necessary for an application for ownership transfer registration prepared by the buyer, and receives the agent's transfer registration document data 163 necessary for an application for ownership transfer registration prepared by the buyer, from the agent terminal 80. a transfer registration document management unit 160 for receiving transfer registration application document data 163 required for the above application; a transfer management unit 190 for receiving transfer hold notification data 191 from the buyer's financial institution terminal 70, which indicates that the transfer of the purchase cost of the real estate to the owner's account has been put on hold in a transferable state; and a transfer support device 90 for receiving, in response to an instruction from the agent terminal 80, transfer registration data including the owner's transfer registration document data 161, the buyer's transfer registration document data 162, and the transfer registration application document data 163, and for receiving the transfer hold notification data 191. and a registration application management unit 200 that enables an application for ownership transfer registration to be made to the online registration system 310 via the communication network 300 using transfer registration data from the agent terminal 80, and when the transfer management unit 190 receives information from the application management unit 200 or the agent terminal 80 indicating that an application for ownership transfer registration to the online registration system 310 has been accepted, it transmits information (hold release instruction data 192) to the buyer's financial institution terminal 70 instructing it to release the hold on the transfer of the real estate purchase price to the owner's account and make the transfer.

In addition, the registration support method in this embodiment is a registration support method that supports an application for real estate registration in the online registration system 310 by a registration support device 90 connectable to a communication network 300, and includes a step of receiving owner-side transfer registration document data 161 necessary for an application for ownership transfer registration prepared by the owner from an owner-side terminal 21 used by the owner of the real estate or a real estate agent who introduces a buyer for the owner of the real estate; a step of receiving buyer-side transfer registration document data 162 necessary for an application for ownership transfer registration prepared by the buyer from a buyer-side terminal 51 used by the buyer of the real estate or a real estate agent who mediates the purchase of the real estate for the buyer; a step of receiving transfer registration application document data 163 necessary for an application for ownership transfer registration prepared by the agent from an agent terminal 80 used by an agent who applies for real estate registration; and a step of receiving the transfer registration application document data 164 necessary for an application for ownership transfer registration prepared by the agent from a buyer-side financial institution terminal 70 used by a buyer-side financial institution that receives a request from the buyer. The method includes the steps of receiving transfer hold notification data 191 indicating that the transfer of the purchase cost of the real estate to the owner's account has been put on hold in a transferable state; after receiving transfer registration data including the owner's transfer registration document data 161, the buyer's transfer registration document data 162, and the transfer registration application document data 163 and after receiving the transfer hold notification data 191, applying for ownership transfer registration to the online registration system 310 via the communication network 300 from the registration support device 90 in response to an instruction from the agent terminal 80, or from the agent terminal 80 using the transfer registration data; and, when information indicating that the application for ownership transfer registration to the online registration system 310 has been accepted is received from the online registration system 310 or the agent terminal 80, transmitting information (hold release instruction data 192) to the buyer's financial institution terminal 70 instructing it to release the hold on the transfer of the purchase cost of the real estate to the owner's account and transfer the money.

The registration support device 90 and the registration support method configured as described above temporarily hold the transfer of the purchase cost of the real estate in a state where it can be transferred at the buyer's financial institution, and when the ownership transfer registration is accepted, the hold is released and the transfer is made to the owner's account, so that it is possible to reliably prevent the ownership transfer registration from being rejected even though the buyer has transferred the purchase cost of the real estate to the real estate owner's account. In addition, the time lag between the transfer and the ownership transfer registration can be reduced, reducing the burden on the buyer and/or the buyer's financial institution. Therefore, it is possible to prevent problems such as a seizure or the like being carried out during this time lag, making it impossible to register the transfer of ownership despite the buyer having transferred the money. In addition, since the registration support device 90 is not an escrow system that temporarily deposits costs with a third party institution, it is possible to reduce the costs required for registration, and there is no need to deposit a high purchase amount with a third party institution, thereby reducing the burden on the owner and/or the buyer.

In addition, when the transfer management unit 190 receives information from the registration application management unit 200 or the agent terminal 80 indicating that an application for ownership transfer registration to the online registration system 310 has been rejected, the transfer management unit 190 may transmit information (transfer cancellation instruction data 194) to the buyer's financial institution terminal 70 instructing the transfer of the real estate purchase cost to the owner's account to be canceled. This allows the transfer to be canceled and the purchase cost returned to the buyer if the ownership transfer registration is rejected, thereby reducing the burden on the buyer and/or the buyer's financial institution.

In addition, the registration support device 10 can be connected via a communication network to the owner-side creditor terminal 45 used by the owner-side creditor who has a mortgage on the real estate, and the registration support device 90 receives from the owner-side creditor terminal 45 the cancellation registration document data 151 prepared by the owner-side creditor and necessary for applying for the cancellation of a registration that impedes the transfer of ownership of the real estate, and also receives from the agent terminal 80 the cancellation registration application document data 152 prepared by the agent and necessary for applying for the cancellation of a registration that impedes the transfer of ownership of the real estate, as well as a cancellation registration document management unit 150 which receives from the owner-side creditor terminal 21 the cancellation registration application document data 152 prepared by the agent. The registration application management unit 200 has a consent data management unit 100 that receives consent data 101 indicating that the owner consents to disclosing the document data 151 to the agent, and the registration application management unit 200, after receiving the data for the deletion registration including the deletion registration document data 151, the deletion registration application document data 152, and the consent data 101 and after receiving the transfer hold notice data 191, can apply for a registration to delete a registration that hinders the transfer of ownership of real estate from the registration support device 90 in response to an instruction from the agent terminal 80, or from the agent terminal 80 via the communication network 300 using the data for the deletion registration. As a result, the registration support device 90 can receive all data necessary for the deletion registration of the registration that hinders the transfer of ownership of real estate and can apply for the deletion registration of the registration that hinders the transfer of ownership of real estate from the agent terminal 80 after receiving the transfer hold notice data 191. Therefore, the agent can quickly perform the deletion registration of the registration that hinders the transfer of ownership of real estate after the transfer to the owner is held in a transferable state. At this time, since the registration support device 90 has received the consent data 101 in advance, the owner's creditor can disclose the cancellation registration document data 151 to the agent. Therefore, the agent can quickly apply for a cancellation registration of the registration that hinders the transfer of ownership of the real estate. This reduces the time lag between the transfer and the cancellation registration, and reduces the burden on the buyer and/or the buyer's financial institution. This prevents problems such as a seizure or the like occurring during this time lag, making it impossible to register the transfer of ownership despite the buyer's transfer.

Note that the present invention is not limited to the above-mentioned embodiment, and various modifications are possible within the technical concept of the present invention by those skilled in the art. For example, the transfer from the buyer financial institution to the owner financial institution may be a stable coin or bitcoin, which is a crypto asset (virtual currency). In addition, the transfer from the buyer financial institution to the owner financial institution may be made in Central Bank Digital Currency (CBDC) or other digital currency. The token-type ledger system may be a "fixed face value method" in which the end user to which the existing token is linked is changed when the CBDC is transferred, or a "variable face value method" in which the existing token is divided and combined as necessary when the CBDC is transferred, and the newly created token is linked to the end user, or may be another method. Therefore, an institution that can transfer and/or receive crypto assets (virtual currencies) or digital currencies corresponds to a financial institution in this specification. For this reason, the financial institution may be a virtual currency exchange.

In addition, the suspension of the transfer does not have to be performed by the buyer's financial institution. For example, the buyer's financial institution's system transfers money online from the buyer's account at the buyer's financial institution to the owner's account at the owner's financial institution using a settlement network system that transfers money between financial institutions (e.g., between banks), but the suspension, release of the suspension, and cancellation of the transfer may be performed by a system that transfers money in response to instructions from the registration support device 90, according to a prior agreement. In this case, the registration support device 90 may be performed by. In this case, the registration support device 90 transmits transfer suspension instruction data 182 to the system that transfers money between financial institutions, and receives transfer suspension notification data 191 from the system that transfers money between financial institutions that has suspended the transfer. Furthermore, the registration support device 90 transmits suspension release instruction data 192 to the system that transfers money between financial institutions, and receives transfer completion notification data 193 from the system that releases the suspension of the transfer and transfers money between financial institutions that has transferred the transfer. Furthermore, the registration support device 90 transmits transfer cancellation instruction data 194 to the system that transfers between financial institutions, and receives information indicating that the transfer has been cancelled from the system that transfers between financial institutions that cancelled the transfer. When the system that transfers between financial institutions cancels the pending transfer, the purchase amount is returned to the buyer's account (or the purchase amount does not move from the buyer's account). Note that when the transfer is made with crypto assets (virtual currency), the system that transfers the crypto assets corresponds to a system that transfers between financial institutions, so the system that transfers the crypto assets may hold the transfer, release the hold and cancel the transfer.

In addition, each of the data (mainly electronic documents) described in this specification may be stored in a non-fungible manner using non-fungible token (NFT) technology.

The owner's side broker terminal 30 may be operated by an agent who operates the agent terminal 80, or by the owner who operates the owner terminal 20. The buyer's side broker terminal 60 may be operated by an agent who operates the agent terminal 80, or by the buyer who operates the buyer terminal 50. The broker plays a role in connecting the parties involved to facilitate real estate registration, but real estate registration is possible even without the broker.

In addition, registration applications that can be made using the registration support system 10 are not limited to applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration, but may also include, for example, applications for land use change registration, ownership preservation registration, joint registration, mortgage establishment registration, joint mortgage establishment registration, change of address/name of registered owner, mortgage cancellation registration, and building destruction registration.

The consent data 101, cancellation registration application document data 152, transfer registration application document data 163, establishment registration application document data 173, and other various powers of attorney, etc. may be electronic contracts as described above, and the contracts may be cloud data.

Furthermore, it is more preferable that the registration support device 90 is capable of linking with each of the core systems of real estate companies (owner's agents and buyer's agents), judicial scriveners, financial institutions (owner's financial institutions and buyer's financial institutions), etc. connected to the communication network 300.

More preferably, the registration support device 90 is capable of data linking with the systems of administrative agencies (ward offices, legal affairs bureaus, tax offices, etc.) connected to the communication network 300. This allows the registration support device 90 to easily obtain necessary documents (e.g., seal certificates, resident cards, fixed property tax and urban planning tax assessments, My Number, etc.) and input information required for obtaining them from the terminal of the person performing the procedure.

When making online applications for mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration, the registration support device 90 may not only make online applications directly to the Legal Affairs Bureau, but may also make online applications indirectly by going through the agent terminal 80 or through the system of another agent.

The registration support device 90 may also enable video calls between at least two of the owner terminal 20, the owner broker terminal 30, the owner financial institution terminal 40, the owner creditor terminal 45, the buyer terminal 50, the buyer broker terminal 60, the buyer financial institution terminal 70, and the agent terminal 80. The registration support device 90 can display buttons for making a video call on each terminal. When a button is selected and executed, the registration support device 90 makes it possible to select the person to talk to and executes a video call. Note that the video call may be a dedicated function of the registration support device 90, but may also be realized by linking with an external system such as ZOOM (registered trademark), SKYPE (registered trademark), or LINE (registered trademark). Therefore, the registration support device 90 can also execute at least a part of the above-mentioned steps S01 to S41 while making a video call.

The registration support device 90 can handle everything from real estate sale requests to registration and settlement, but it can also be used for only some of the procedures for selling real estate, or for registration applications other than real estate sales. For example, the registration support device 90 may be used only for sale requests (intermediation contracts) using the owner terminal 20 and the owner's broker terminal 30.

The registration support device 90 may also be used in a real estate purchase and sale contract that includes an explanation of important matters by an important matters explanation document, using the owner terminal 20, the owner's broker terminal 30, the buyer's terminal 50, and the buyer's broker terminal 60. In this case, the agent (a judicial scrivener or lawyer), the buyer's financial institution, and the buyer's financial institution do not appear in the transaction in the registration support device 90.

Furthermore, the registration support device 90 may be used only for settling the sale proceeds of a real estate transaction using the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, and the agent terminal 80. In this case, the registration support device 90 does not need to be used for the real estate registration procedures.

Furthermore, the registration support device 90 may be used only for the registration procedures of real estate transactions using the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45, the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, and the agent terminal 80. In this case, the registration support device 90 is used for identity verification and registration procedures associated with registration, and does not need to be used for settlement of the sales price.

In addition, the registration support device 90 may be used only for bank procedures for real estate cancellation registration using the owner terminal 20, the owner's broker terminal 30, the owner's financial institution terminal 40, the owner's creditor terminal 45 and the agent terminal 80.

In addition, the registration support device 90 may be used only for loan contracts for the buyer of real estate using the buyer terminal 50, the buyer's broker terminal 60, the buyer's financial institution terminal 70, and the agent terminal 80.

The registration support device 90 may also be used to manage real estate documents in the cloud, or as a dedicated server for backing up documents. The registration support device 90 can provide supplementary explanatory materials for real estate to each terminal (owner terminal 20, owner's broker terminal 30, owner's financial institution terminal 40, owner's creditor terminal 45, buyer terminal 50, buyer's broker terminal 60, buyer's financial institution terminal 70, or agent terminal 80). The registration support device 90 may also be used for transactions other than real estate, various procedures, and management and provision of information.

This application is based on Japanese Patent Application No. 2021-215503 filed on December 31, 2021, the disclosures of which are hereby incorporated by reference in their entirety.

10 Registration support system 20 Owner terminal 21 Owner's terminal 30 Owner's broker terminal 40 Owner's financial institution terminal 45 Owner's creditor terminal 50 Buyer terminal 51 Buyer's terminal 60 Buyer's broker terminal 70 Buyer's financial institution terminal 80 Agent terminal 90 Registration support device 91 Storage device 92 Processing device 93 Communication device 100 Consent data management unit 101 Consent data 110 Personal identification data management unit 111 Owner's personal identification data 112 Buyer's personal identification data 120 Contact management unit 121 Contact data 130 Cancellation amount information management unit 131 Cancellation amount etc. data 140 Denomination information management unit 141 Denomination information data 150 Cancellation registration document management unit 151 Cancellation registration document data 160 Transfer registration document management unit 161 Owner's transfer registration document data 162 Buyer's transfer registration document data 163 Transfer registration application document data 170 Mortgage registration document management section 171 Buyer side registration document data 172 Financial institution side registration document data 173 Registration application document data 180 Payment management section 181 Payment instruction data 182 Transfer hold instruction data 190 Transfer management section 191 Transfer hold notification data 192 Hold release instruction data 193 Transfer completion notification data 194 Transfer cancellation instruction data 200 Registration application management section 210 Status management section 211 Approval data 300 Communication network 310 Online application system

Claims (6)

A registration support device that supports changes to registration information associated with buying and selling real estate,
The system is capable of communicating via a communications network with an owner-side terminal used by a real estate owner or a real estate agent who introduces a buyer for the owner to purchase the real estate, a buyer-side terminal used by a real estate buyer or a real estate agent who mediates the purchase of the real estate for the buyer, a terminal used for applying for real estate registration, at least one buyer-side financial institution terminal used by a buyer-side financial institution that receives requests from the buyer, at least one owner-side financial institution terminal used by an owner-side financial institution where an account for the owner has been opened , and an online registration system that accepts applications for real estate registration;
a transfer registration document management unit that receives, from the owner's terminal, owner-side transfer registration document data necessary for the application for the ownership transfer registration prepared by the owner, receives, from the buyer's terminal, buyer-side transfer registration document data necessary for the application for the ownership transfer registration prepared by the buyer, and receives , from a terminal used for the application for the registration of the real estate , transfer registration application document data necessary for the application for the ownership transfer registration;
a payment management unit that transmits to the buyer's financial institution terminal or a system for transferring money between financial institutions transfer pending data requesting that the transfer of the purchase amount to the owner's account at the owner's financial institution be held in a transferable state when a transfer procedure to the owner's account is made from the buyer's terminal or the registration support device to the buyer's financial institution terminal, thereby enabling the buyer's terminal or the registration support device to transfer the purchase amount to the owner's account;
a transfer management unit that receives transfer hold notification data from the buyer's financial institution terminal or from a system for transferring money between financial institutions, the data indicating that the transfer of the purchase price of the real estate to the owner's account has been held in a transferable state;
a registration application management unit that, after receiving transfer registration data including the owner's transfer registration document data, the buyer's transfer registration document data, and the transfer registration application document data, and after receiving the transfer hold notification data, enables an application for ownership transfer registration to be made to the online registration system via the communication network using the transfer registration data from the registration support device or from a terminal used for the application for the real estate registration in response to an instruction from the terminal used for the application for the real estate registration ,
When the transfer management unit receives information from the registration application management unit or the terminal used for the application for the registration of the real estate, indicating that the application for the transfer of ownership to the online registration system has been accepted, the transfer management unit transmits information to the buyer's financial institution terminal instructing the buyer to release the hold on the transfer of the purchase cost of the real estate to the owner's account and transfer the money;
The registration support device is characterized in that the transfer management unit receives information from the owner's financial institution terminal indicating that the payment for the purchase of the real estate has been received in the owner's account. The registration support device of claim 1, characterized in that when the transfer management unit receives information from the registration application management unit or the terminal used to apply for registration of the real estate indicating that an application for ownership transfer registration to the online registration system has been rejected, the transfer management unit sends information to the buyer's financial institution terminal instructing it to cancel the transfer of the purchase price of the real estate to the owner's account. the registration support device is connectable via a communication network to an owner-side creditor terminal used by an owner-side creditor who has a mortgage on real estate;
a cancellation registration document management unit that receives, from the owner-side creditor terminal, cancellation registration document data necessary for an application for cancellation of a registration that hinders the transfer of ownership of real estate and that is prepared by the owner-side creditor, and receives, from an agent terminal that is a terminal used for the application for the registration of the real estate, cancellation registration application document data necessary for an application for cancellation of a registration that hinders the transfer of ownership of real estate and that is prepared by an agent who applies for the registration of the real estate;
and a consent data management unit for receiving consent data from the owner's terminal, the consent data indicating that the owner consents to the owner's creditor disclosing the cancellation registration document data to an agent,
The registration application management unit of the registration support device described in claim 1 or 2, characterized in that after receiving the cancellation registration data including the cancellation registration document data, the cancellation registration application document data and the consent data, and after receiving the transfer hold notification data, enables an application for a registration to cancel a registration that prevents the transfer of ownership of real estate from the registration support device at the instruction of the agent terminal, or from the agent terminal via the communication network using the cancellation registration data. A registration support method for supporting an application for real estate registration in an online registration system by a registration support device connectable to a communication network, comprising:
receiving owner-side transfer registration document data necessary for an application for ownership transfer registration prepared by the owner from an owner-side terminal used by the owner of the real estate or a real estate broker who introduces a buyer for the owner of the real estate;
A step of receiving, from a buyer's terminal used by a buyer of real estate or a real estate broker who mediates the purchase of real estate for the buyer, buyer's transfer registration document data necessary for an application for ownership transfer registration prepared by the buyer;
receiving transfer registration application document data necessary for application for ownership transfer registration from a terminal used for application for real estate registration;
a step of transmitting transfer hold instruction data from the buyer's terminal or the registration support device to at least one buyer's financial institution terminal used by the buyer's financial institution receiving the request from the buyer, the transfer hold instruction data requesting that the transfer of the purchase amount to the owner's account at the owner's financial institution where the owner's account is opened be held in a transferable state when a transfer procedure is performed to the owner's account, to the buyer's financial institution terminal or a system for transferring money between financial institutions;
A step of enabling a procedure for transferring money to the owner's account by the buyer's terminal or the registration support device;
receiving a transfer hold notification data from the buyer 's financial institution terminal or from a system for transferring money between financial institutions, the data indicating that the transfer of the purchase price of the real estate to the owner's account has been held in a transferable state;
a step of applying for ownership transfer registration to the online registration system via the communication network using the transfer registration data from the registration support device or from the terminal used for the application for the real estate registration , after receiving the transfer registration data including the owner's transfer registration document data, the buyer's transfer registration document data, and the transfer registration application document data, and after receiving the transfer hold notification data;
When information indicating that an application for ownership transfer registration to the online registration system has been accepted is received from the online registration system or a terminal used for application for registration of the real estate , sending information to the buyer's financial institution terminal instructing the bank to release the hold on the transfer of the purchase cost of the real estate to the owner's account and transfer the money;
A registration support method comprising the steps of: receiving information indicating that the purchase price of the real estate has been deposited in the owner's account from at least one owner's financial institution terminal used by the owner's financial institution where the owner's account has been opened. The registration support method described in claim 4, characterized in that when information indicating that an application for ownership transfer registration to the online registration system has been rejected is received from the registration support device or the terminal used to apply for registration of the real estate , it sends information to the buyer's financial institution terminal instructing it to cancel the transfer of the purchase price of the real estate to the owner's account. receiving, from an owner-side creditor terminal used by the owner-side creditor who has a mortgage on real estate, cancellation registration document data prepared by the owner-side creditor, which is necessary for an application for cancellation of a registration that prevents a transfer of ownership of the real estate;
receiving, from an agent terminal which is a terminal used for applying for the registration of the real estate, cancellation registration application document data which is prepared by an agent who applies for the registration of the real estate on behalf of the person , and which is necessary for applying for the cancellation of a registration which prevents the transfer of ownership of the real estate;
receiving consent data from the owner's terminal indicating that the owner consents to the owner's creditor disclosing the cancellation registration document data to an agent;
The registration support method described in claim 4 or 5, characterized in that after receiving the cancellation registration data including the cancellation registration document data, the cancellation registration application document data and the consent data, and after receiving the transfer hold notification data, applying for a registration to cancel a registration that prevents the transfer of ownership of real estate from the registration support device at the instruction of the agent terminal, or from the agent terminal via the communication network using the cancellation registration data.

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