Mortgage application management system, server and program

Abstract

We provide a mortgage application management system, server, and program that offers a platform to support loan applications for real estate agents who arrange mortgages and financial institutions that review mortgage applications. [Solution] In the mortgage loan application management system 10, mortgage loan applicants input the basic items required for the application into a user terminal and send the input content to the server. The server generates case information linking the input content with the corresponding mortgage loan application items and sends it to the user terminal and the real estate agent terminal. The user terminal and the real estate agent terminal input the mortgage loan application items and send them to the server. The server updates the case information based on the mortgage loan application items. The financial institution terminal receives the updated case information from the server and reviews the mortgage loan application based on the input content of the basic items and mortgage loan application items. The server receives the review result information from the financial institution terminal and sends it to the user terminal.

Description

Technical Field

[0001] This invention relates to a housing loan application management system, a server, and a program.

Background Art

[0002] The application for a housing loan is made by the applicant selecting either paper media, a web browser, or application software. In any mode, it is required to reduce various burdens on the applicant.

[0003] In Patent Document 1, a computer system and the like that reduce the burden on the user for selecting and applying for a housing loan are proposed.

[0004] In Patent Document 2, an information input support system that can support information input such as an application for a preliminary examination of a housing loan via a network is proposed.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0006] In the conventional housing loan application modes including the above Patent Document 1 and Patent Document 2, in order to further reduce the burden on the applicant, a mechanism is desired in which a real estate agent who mediates a housing loan and a financial institution that examines the housing loan application support the applicant's housing loan application.

[0007] This invention aims to provide a platform that supports real estate agents who arrange mortgages and financial institutions that review mortgage applications, in assisting applicants with their mortgage applications. [Means for solving the problem]

[0008] [1] A means of allowing a user terminal used by a user applying for a mortgage to accept input of basic information necessary for the application and to send the input content to a server, To the aforementioned server, A means for generating case information that links the input content of the aforementioned basic items and the mortgage application items corresponding to the input content of the aforementioned basic items to a case identification number, A means for transmitting the aforementioned case information to the user terminal and to a real estate agent terminal used by a real estate agent who introduces the aforementioned housing loan to the user, The user terminal and the real estate agent terminal are provided with means for receiving input of the housing loan application items and transmitting the input contents to the server, To the aforementioned server, A means for updating the case information based on the input contents of the aforementioned housing loan application items, A means for a financial institution to receive the updated case information from the server and review the mortgage application based on the input contents of the basic items and the mortgage application items, used by a financial institution to review the mortgage application; To the aforementioned server, A means for receiving the screening result information for the aforementioned screening from the financial institution terminal and transmitting the screening result information to the user terminal, A mortgage application management system equipped with the following features. [Effects of the Invention]

[0009] According to this invention, real estate agents who arrange mortgages and financial institutions that review mortgage applications can provide a platform to support applicants in their mortgage applications. [Brief explanation of the drawing]

[0010] [Figure 1] This diagram shows an example of the overall configuration of the mortgage loan application management system of this embodiment. [Figure 2] This diagram shows an example of the configuration of (a) a user terminal, (b) a real estate agent terminal, and (c) a financial institution terminal, all of which are part of a mortgage loan application management system. [Figure 3] A diagram illustrating an example of the server configuration used in a mortgage application management system. [Figure 4] A flowchart illustrating an example of the user registration process using the mortgage loan application management system of this embodiment. [Figure 5] A flowchart illustrating another example of the user registration process using the mortgage loan application management system of this embodiment. [Figure 6] A flowchart illustrating an example of the real estate agent registration process using the mortgage loan application management system of this embodiment. [Figure 7] This flowchart shows an example of the mortgage application acceptance processing, inquiry management processing, and message management processing by the mortgage application management system of this embodiment. [Figure 8] A flowchart illustrating an example of the mortgage application review process using the mortgage application management system of this embodiment. [Figure 9] Figure 4 or Figure 5 shows an example of an input screen for basic items displayed on a user terminal in the information processing shown in Figure 4 or Figure 5. [Figure 10] Figure 7 shows an example of the screen displaying case information on the user terminal and the real estate agent terminal in the information processing shown in Figure 7. [Figure 11] Figure 7 shows an example of the input screen for preliminary application items displayed on the user terminal and the real estate agent terminal in the information processing shown in Figure 7. [Figure 12] In the information processing shown in Figure 7, (a) an example of the inquiry history screen displayed on the user terminal. [Figure 13] (a) and (b) are both diagrams showing examples of message history screens displayed on the user terminal and the real estate agent terminal in the information processing shown in Figure 7. [Figure 14]A diagram showing an example of a completion screen for a provisional review application of a housing loan displayed on a user terminal in the information processing shown in FIG. 7 [Figure 15] A diagram showing another example of a screen of property information displayed on a real estate agent terminal in the information processing shown in FIG. 7 [Figure 16] A diagram showing an example of a review management screen of property information displayed on a financial institution terminal in the information processing shown in FIG. 8 [Figure 17] A diagram showing another example of a review management screen of property information displayed on a financial institution terminal in the information processing shown in FIG. 8 [Figure 18] A diagram showing another example of a review management screen of property information displayed on a financial institution terminal in the information processing shown in FIG. 8 [Figure 19] A diagram showing an example of a message history screen displayed on a user terminal and a real estate agent terminal in the information processing shown in FIG. 8 [Figure 20] A diagram showing an example of a completion screen for a formal review of a housing loan displayed on a user terminal in the information processing shown in FIG. 8

Mode for Carrying Out the Invention

[0011] Hereinafter, an example of an embodiment of the present invention will be described with reference to the accompanying drawings. The housing loan application management system of this embodiment is composed of one or more computers, and a housing loan handled by a financial institution is brokered by a real estate agent in partnership with the financial institution to a user who wishes to apply for the housing loan. The system is used when the user applies for the housing loan on the Web or on application software (hereinafter, sometimes simply referred to as an "app").

[0012] As one embodiment, this is a mortgage application management system that connects a financial institution system managed by a city bank, a regional bank, a so-called internet bank that conducts banking business on the internet, and other entities that engage in banking agency business (hereinafter referred to as "financial institutions"), a real estate agent system managed by a real estate agent that engages in real estate business in partnership with the financial institution, and a user terminal used by a user who wishes to apply for a mortgage via a network. The user terminal applies for a mortgage handled by the financial institution through a web browser or application, the real estate agent system assists with inputting information and uploading documents necessary for the mortgage application via a web browser or application, and the financial institution system reviews the mortgage application via a web browser or application.

[0013] In the configuration shown in Figure 1, the mortgage loan application management system 10 is constructed by connecting a user terminal 20 used by users, a real estate agent terminal 30 used by real estate agents affiliated with financial institutions, a financial institution terminal 40 used by financial institutions, and a server 50 managed by financial institutions, all of which are interconnected and able to communicate with each other via a communication network 60 including an internet communication network and a wireless communication network defined by wireless communication standards.

[0014] [User terminal] User terminal 20 is a terminal used by a user applying for a mortgage, and is a personal computer, smartphone, tablet, or the like.

[0015] As shown in Figure 2(a), the user terminal 20 comprises a control unit 21 which is a CPU that executes various computer programs and performs calculations, a storage unit 25 which is a storage device such as RAM or built-in storage that stores the computer programs and various data, an input unit 23 which is an information input device such as a keyboard, mouse, or touch panel, an output unit 24 which is an information output device such as a liquid crystal display, and a communication unit 22 which is a communication module that sends and receives various information with the server 50 via the communication network 60.

[0016] The memory unit 25 stores an application application 70 provided by a financial institution. When the application application 70 is executed, the control unit 21 communicates with the server 50 and causes the user terminal 20 to function as various means.

[0017] Furthermore, the memory unit 25 stores the browser application 25A. When the browser application 25A is executed, the control unit 21 communicates with the server 50 and causes the user terminal 20 to function as a means of displaying web pages.

[0018] [Real Estate Agent Terminal] The real estate agent terminal 30 is a personal computer, smartphone, tablet, or other terminal used by a real estate agent engaged in the real estate business.

[0019] As shown in Figure 2(b), the real estate agent terminal 30 comprises a control unit 31 which is a CPU that executes various computer programs and performs calculations, a storage unit 35 which is a storage device such as RAM or built-in storage that stores the computer programs and various data, an input unit 33 which is an information input device such as a keyboard, mouse, or touch panel, an output unit 34 which is an information output device such as a liquid crystal display, and a communication unit 32 which is a communication module that sends and receives various information with the server 50 via the communication network 60.

[0020] The memory unit 35 stores the application application 70 provided by the financial institution, just like the user terminal 20. When the application application 70 is executed, the control unit 31 communicates with the server 50 and causes the real estate agent terminal 30 to function as various means.

[0021] Furthermore, the memory unit 35 stores the browser application 35A. When the browser application 35A is executed, the control unit 31 communicates with the server 50 and causes the real estate agent terminal 30 to function as a means of displaying web pages.

[0022] [Financial institution terminal] Financial institution terminals 40 are personal computers, smartphones, tablets, and other devices used by financial institutions.

[0023] As shown in Figure 2(c), the financial institution terminal 40 comprises a control unit 41 which is a CPU that executes various computer programs and performs calculations, a storage unit 45 which is a storage device such as RAM or built-in storage that stores the computer programs and various data, an input unit 43 which is an information input device such as a keyboard, mouse, or touch panel, an output unit 44 which is an information output device such as a liquid crystal display, and a communication unit 42 which is a communication module that sends and receives various information with the server 50 via the communication network 60.

[0024] The memory unit 45 stores the management application 45A. When the management application 45A is executed, the control unit 41 communicates with the server 50 and causes the financial institution terminal 40 to function as various means.

[0025] Furthermore, the memory unit 45 stores the browser application 45B. When the browser application 45B is executed, the control unit 41 communicates with the server 50 and causes the financial institution terminal 40 to function as a means of displaying web pages.

[0026] [server] Server 50 is a server computer managed by a financial institution. As shown in Figure 3, Server 50 comprises a control unit 51 which is a CPU that executes various computer programs and performs calculations, a storage unit 53 which is a storage device such as RAM and built-in storage that stores the computer programs and various data, and a communication unit 52 which is a communication module that sends and receives various information with user terminals 20, real estate agent terminals 30 and financial institution terminals 40 via a communication network 60.

[0027] The memory unit 53 stores the Web program 53A, the application program 53B, the review program 53C, the user database (hereinafter referred to as "DB") 53D, the real estate agent DB 53E, and the case DB 53F.

[0028] The web program 53A causes the server 50 to function as a means of providing web pages in accordance with the transmission and reception of various information between the user terminal 20, the real estate agent terminal 30, and the financial institution terminal 40.

[0029] The application program 53B causes the server 50 to function in various ways according to the transmission and reception of various types of information between the user terminal 20, the real estate agent terminal 30, and the financial institution terminal 40.

[0030] The review program 53C causes the server 50 to function as a means of reviewing mortgage applications in accordance with the transmission and reception of various information with the financial institution terminal 40.

[0031] User DB53D, for example, stores user information such as the name, gender, age, date of birth, address, and contact information of a mortgage applicant, linked to a user ID and password (login information), as user account information.

[0032] In the real estate agent database DB53E, for example, real estate agent information such as the name of the real estate agent handling the above-mentioned mortgage applicant, contact information, name of the person in charge, gender, age, date of birth, and property information related to the property for which the mortgage application is being made (property name, location, detailed description, etc.) is linked to the real estate agent ID and password and stored as real estate agent account information.

[0033] In case DB53F, the following information is linked to the case ID and stored as case information: • User account information above • The above real estate agent account information • The name, contact information, and other details of the financial institution's representative responsible for reviewing the mortgage loan application are linked to the representative's ID and password in the representative's account information. • Information on basic items such as the type of mortgage application, property type, and composition of mortgage applicants, as shown in Figure 9, and input information for each item. • Information about the preliminary application items generated by inputting the basic items as shown in Figures 10 and 11, and input information for each item. • Information about the formal application items (not shown) generated after the preliminary review, and the input information for each item. The above preliminary application items and formal application items are collectively referred to as "housing loan application items." • Historical information regarding inquiries between the user terminal 20 and the server 50, as shown in Figure 12. • Message history information between user terminal 20, real estate agent terminal 30, and financial institution terminal 40, as shown in Figures 13 and 19. • Information regarding the results of your mortgage application

[0034] [Application management flow for housing loans according to this embodiment] Referring to Figures 4-20, an example of the housing loan application processing flow using the housing loan application management system 10 of this embodiment will be explained.

[0035] <User Registration Process 1> This process assumes a scenario where a user registers for the mortgage application service according to this embodiment at a financial institution branch where the user is receiving advice on mortgages.

[0036] (S401) The user operates the camera device installed on the user terminal 20 to read a two-dimensional code such as a QR code (registered trademark) issued to the financial institution, which is presented by the financial institution.

[0037] (S402) When the above two-dimensional code is scanned, the user terminal 20 displays a screen for selecting the application application 70 to download. The user operates the user terminal 20 to download and install the application application 70.

[0038] (S403) When the user operates the user terminal 20 to launch the application application 70, the application application 70 causes the user terminal 20 to function as a means for accepting user registration. The control unit 21 displays a screen for inputting user account information according to the application application 70. Once the above user account information is entered, the control unit 21 sends the above user account information to the server 50 according to the application application 70.

[0039] (S404) On the server 50, the application program 53B makes the server 50 function as a means of managing housing loan applications. The control unit 51 stores the user account information received from the user terminal 20 in the user DB 53D according to the application program 53B.

[0040] (S405) The control unit 51 generates case information by linking the above user account information to a case ID in accordance with the application program 53B, and stores the case information in the case DB 53F.

[0041] (S406) On the user terminal 20, the control unit 21 displays an input screen for basic items such as the type of housing loan application, the type of property, and the composition of the housing loan applicant, as shown in Figure 9, in accordance with the application application 70. Once the above basic items are entered, the control unit 21 sends information about the entered basic items to the server 50 according to the application application 70.

[0042] (S407) In the server 50, the control unit 51 determines a number of preliminary review application items corresponding to the input content of the basic items in accordance with the application program 53B, and performs a process to link the preliminary review application items and the input content of the basic items to the case information stored in the case DB 53F. Furthermore, the control unit 51 receives information from the financial institution terminal 40, such as the name and contact information of the financial institution's representative in charge of reviewing the housing loan application, in accordance with the application program 53B. It then generates representative account information by linking this information to the representative ID and password, and links it to the case information stored in the case database 53F.

[0043] <User Registration Process 2> This process also assumes a scenario where a user registers for the mortgage application service according to this embodiment at a financial institution branch where the user is receiving advice on mortgages.

[0044] (S501) When a branch employee of a financial institution operates the financial institution terminal 40 to launch the management application 45A, the management application 45A causes the financial institution terminal 40 to function as a case management device. The control unit 41 displays the case registration screen according to the management application 45A. On the above-mentioned case registration screen, when the store manager enters the user information, such as the user's name, date of birth, and email address, the control unit 41 sends the above-mentioned user information to the server 50 according to the management application 45A.

[0045] On server 50, the application program 53B makes server 50 function as a means of managing mortgage applications. The control unit 51 stores the user information received from the financial institution terminal 40 in the user DB 53D according to the application program 53B. The control unit 51 generates case information by linking the above user information to a case ID in accordance with the application program 53B, and stores the case information in the case database 53F. The control unit 51 also transmits the above case information to the financial institution terminal 40 in accordance with the application program 53B.

[0046] (S502) In the financial institution terminal 40, the control unit 41 displays a case information screen related to the case information in accordance with the management application 45A. If an invitation button (not shown) is selected on the case information screen, the control unit 41 requests the server 50 to send an invitation email to the email address of the user related to the case information in accordance with the management application 45A.

[0047] (S503) On the server 50, the application program 53B causes the server 50 to function as an email sending means. The control unit 51, in accordance with the application program 53B, sends an invitation email containing a link to the website of the provider of the application application 70 or the website of the housing loan application service according to this embodiment to the email address of the user related to the invitation email sending request received from the financial institution terminal 40.

[0048] (S504) When the user terminal 20 receives the invitation email, a screen for entering the date of birth is displayed. After the user enters their date of birth, a predetermined authentication process is performed. If the authentication process is successful, a screen is displayed allowing the user to select a link to the website of the provider of the application app 70 and the website of the housing loan application service.

[0049] (S505a) When the website of the provider of the application application 70 is selected, the user terminal 20 displays a download selection screen for the application application 70. The user operates the user terminal 20 to download and install the application application 70. Subsequently, the processes S403-S407 in Figure 4 are performed. In the process of S405, the control unit 51 performs a process to link the user account information to the case information stored in the case DB 53F, in accordance with the application program 53B.

[0050] (S505b) When the link to the above-mentioned mortgage application service website is selected, the browser application 25A causes the user terminal 20 to function as a means of displaying a web page. The control unit 21 requests the page of the above-mentioned mortgage application service website from the server 50 according to the browser application 25A.

[0051] (S506) On the server 50, the Web program 53A causes the server 50 to function as a means of providing Web pages. The control unit 51, in accordance with the Web program 53A, sends various Web pages related to the above-mentioned housing loan application service to the user terminal 20 in response to a request from the user terminal 20.

[0052] On the user terminal 20, the control unit 21 displays a function menu selection page according to the browser application 25A. When the user selects a function called user registration on that page, the server 50 sends the user account information input page.

[0053] (S507) When user account information is entered on the input page, the control unit 21 sends the user account information to the server 50 according to the browser application 25A.

[0054] (S508) On server 50, the application program 53B causes server 50 to function as a means of managing housing loan applications. The control unit 51 stores the user account information received from user terminal 20 in user DB 53D according to the application program 53B. Furthermore, the control unit 51 sends the input page for the basic items to the user terminal 20 according to the Web program 53A.

[0055] (S509) The control unit 51 performs a process to link the above user account information to the case information stored in the case DB 53F, in accordance with the application program 53B.

[0056] (S510) On the user terminal 20, the control unit 21 displays an input page for basic items such as the type of mortgage application, the type of property, and the composition of the mortgage applicant, according to the browser application 25A. Once the above basic items are entered, the control unit 21 sends information about the entered basic items to the server 50 according to the browser application 25A.

[0057] (S511) In the server 50, the control unit 51 determines a number of preliminary review application items corresponding to the input content of the basic items in accordance with the application program 53B, and performs a process to link the preliminary review items and the input content of the basic items to the case information stored in the case DB 53F. Furthermore, the control unit 51 receives information from the financial institution terminal 40, such as the name and contact information of the financial institution's representative in charge of reviewing the housing loan application, in accordance with the application program 53B. It then generates representative account information by linking this information to the representative ID and password, and links it to the case information stored in the case database 53F.

[0058] <Real Estate Agent User Registration Process> This process assumes a scenario where a real estate agent, having received an invitation from a user, registers as a user for the mortgage application service according to this embodiment.

[0059] (S601) When the user operates the user terminal 20 to launch the application application 70, the application application 70 causes the user terminal 20 to function as a means for creating invitation emails. The control unit 21 displays the invitation email creation screen according to the application application 70.

[0060] (S602) When the user enters the real estate agent's email address on the invitation email creation screen, the control unit 21 requests the server 50 to send an invitation email to the real estate agent's email address entered, in accordance with the application application 70. User account information is associated with this request.

[0061] (S603) On the server 50, the application program 53B causes the server 50 to function as an email sending means. The control unit 51, in accordance with the application program 53B, sends an invitation email containing a link to the website of the provider of the application application 70 or the website of the housing loan application service according to this embodiment to the email address of the real estate agent that received the invitation email sending request from the user terminal 20.

[0062] (S604) When the real estate agent terminal 30 receives the invitation email, a screen for entering the user's date of birth is displayed. When the real estate agent enters the user's date of birth, a predetermined authentication process is performed to verify it against the user account related to the invitation email request. If the authentication process is successful, a screen is displayed to select a link to the website of the provider of the application application 70 and the website of the mortgage loan application service.

[0063] (S605a) When the website of the provider of the application application 70 is selected, the real estate agent terminal 30 displays a screen for selecting the download of the application application 70. The real estate agent operates the real estate agent terminal 30 to download and install the application application 70.

[0064] (S605b) When the link to the above-mentioned mortgage application service website is selected, the browser application 35A causes the real estate agent terminal 30 to function as a means of displaying a web page. The control unit 31 requests the page of the above-mentioned mortgage application service website from the server 50 according to the browser application 35A.

[0065] (S606) On server 50, the web program 53A causes server 50 to function as a means of providing web pages. The control unit 51 transmits various web pages related to the above-mentioned mortgage application service to real estate agent terminal 30 in accordance with the web program 53A, in response to requests from real estate agent terminal 30.

[0066] In the real estate agent terminal 30, the control unit 31 displays a function menu selection page according to the browser application 35A. When the real estate agent selects one of the functions, real estate agent user registration, on this page, the server 50 sends the input page for the real estate agent account information.

[0067] (S607a) Following S605a, when the real estate agent operates the real estate agent terminal 30 to launch the application application 70, the application application 70 causes the real estate agent terminal 30 to function as a means for accepting real estate agent user registration. The control unit 31 displays the input screen for the real estate agent account information in accordance with the application application 70. Once the above real estate agent account information is entered, the control unit 31 sends the above real estate agent account information to the server 50 in accordance with the application application 70.

[0068] (S607b) Following S606, when real estate agent account information is entered on the input page, the control unit 31 sends the real estate agent account information to the server 50 according to the browser application 35A.

[0069] (S608) On the server 50, the application program 53B makes the server 50 function as a means of managing mortgage applications. The control unit 51 stores the real estate agent account information received from the real estate agent terminal 30 in the real estate agent DB 53E according to the application program 53B.

[0070] (S609) The control unit 51 also performs a process to link the real estate agent account information with the case information for the user related to the invitation email sending request stored in the case DB 53F, in accordance with the application program 53B.

[0071] <Mortgage loan application processing> This process assumes, as an example, that both the user terminal 20 and the real estate agent terminal 30 use the application application 70, and that the financial institution terminal 40 uses the management application 45A.

[0072] (S701) Following S407, the application program 53B activates the server 50 as a means of managing housing loan applications. The control unit 51 transmits the updated case information to the user terminal 20 according to the application program 53B.

[0073] Following S406, the application application 70 causes the user terminal 20 to function as a means for receiving input of preliminary review application items. The control unit 21 displays an input screen for preliminary review application items, as shown in Figures 10 and 11, in accordance with the application application 70. When the above preliminary application items are entered, the control unit 21 sends information about the entered content of the preliminary application items to the server 50 according to the application application 70.

[0074] On the server 50, the control unit 51 updates the case information stored in the case DB 53F based on the input content of the preliminary review application items from the user terminal 20, in accordance with the application program 53B. Following S609, the control unit 51 transmits the updated case information to the real estate agent terminal 30 according to the application program 53B.

[0075] Following S607a, the application application 70 causes the real estate agent terminal 30 to function as a means for receiving input of preliminary application items. The control unit 31 displays a list screen of case information as shown in Figure 15, and input screens for preliminary application items as shown in Figures 10 and 11, according to the application application 70. To support the mortgage application, the real estate agent will input at least one of the missing items and items that have been entered by the user terminal 20 but require correction, as requested by the user or as needed. Missing items include, for example, property information (property name, location, detailed description, etc.) and loan information (purpose of funds, desired loan date, financial plan, other loans, etc.) for the property related to the mortgage application. When the above preliminary application items are entered, the control unit 31 sends information about the entered content of the preliminary application items to the server 50 according to the application application 70.

[0076] On the server 50, the control unit 51 updates the case information stored in the case DB 53F based on the input content of the preliminary screening application items from the real estate agent terminal 30, in accordance with the application program 53B.

[0077] Once all preliminary application items have been entered and the icon for confirming the preliminary application shown in Figure 10 is selected on the user terminal 20, the control unit 21 requests the preliminary application from the server 50 according to the application application 70. The user terminal 20 then displays a preliminary application completion screen as shown in Figure 14.

[0078] <Inquiry Management Processing>

[0079] (S702) In S701, when the user selects an inquiry icon (for example, the "support icon" in the lower right corner of the screen shown in Figure 11) for explanations of the input items on the input screen for the preliminary review application, the application program 53B instructs the server 50 to function as an automated response means. The control unit 51 sends a predetermined message to the user terminal 20 in accordance with the application program 53B.

[0080] On the user terminal 20, the control unit 21 displays a chat screen as shown in Figure 12 according to the application application 70 and accepts the inquiry. When an inquiry is entered, the control unit 21 sends information about the inquiry to the server 50 according to the application application 70.

[0081] On server 50, the control unit 51 sends a response message corresponding to the inquiry content to the user terminal 20 according to the application program 53B.

[0082] On the user terminal 20, the control unit 21 displays a response message according to the application 70.

[0083] <Message management processing>

[0084] (S703) In S701, when the user selects an icon (not shown) for a message displayed on the input screen for the preliminary application items, the application application 70 causes the user terminal 20 to function as a message management means. The control unit 21 displays a predetermined message creation screen according to the application application 70. When the user enters a message on the message creation screen described above, the control unit 21 sends the entered message to the server 50 according to the application application 70.

[0085] On server 50, the application program 53B causes server 50 to function as a message management means. The control unit 51 processes the message received from the user terminal 20 to associate it with the case information stored in the case DB 53F, in accordance with the application program 53B. The control unit 51 also sends an email notification to the email address of the real estate agent terminal 30 related to the case information, informing it that a message from the user has been created. If the application application 70 is used on the real estate agent terminal 30, the control unit 51 also sends a push notification to the real estate agent terminal 30 related to the case information, informing it that a message from the user has been created.

[0086] In the real estate agent terminal 30, the application application 70 causes the real estate agent terminal 30 to function as a message management device. The control unit 31 displays the above-mentioned email notification and push notification according to the application application 70. Based on the selection of email notification or push notification, or the launch of the application application 70, the control unit 31 displays a message from the user according to the application application 70.

[0087] In the financial institution terminal 40, the management application 45A causes the financial institution terminal 40 to function as a screening and management means. The control unit 41 retrieves case information from the case DB 53F of the server 50 according to the management application 45A and displays a case information list screen as shown in Figure 16. When a financial institution's loan officer searches for a loan with a new message on the above loan information list screen and selects the loan information, the control unit 41 displays a loan management screen as shown in Figures 17 and 18, according to the management application 45A. When the reviewer selects the icon for the message shown in Figure 18, the management application 45A causes the financial institution terminal 40 to function as a message management device. The control unit 41 displays the message from the user according to the management application 45A.

[0088] On the screen of the real estate agent terminal 30 where the above-mentioned message from the user is displayed, if the real estate agent selects to input a message, the control unit 31 displays a predetermined message creation screen according to the application application 70. When the real estate agent enters a message on the message creation screen, the control unit 31 sends the entered message to the server 50 according to the application application 70.

[0089] On the screen of the financial institution terminal 40 where the above-mentioned message from the user is displayed, if the financial institution's loan officer selects to input a message, the control unit 41 displays a predetermined message creation screen according to the management application 45A. When the reviewer enters a message on the message creation screen, the control unit 41 sends the entered message to the server 50 according to the management application 45A.

[0090] On server 50, the control unit 51 processes the message received from the real estate agent terminal 30 or the financial institution terminal 40 to link it to the case information stored in the case DB 53F, in accordance with the application program 53B. The control unit 51 also sends an email notification to the email address of the user terminal 20 related to the case information, informing it that a message from the real estate agent or the review officer has been created. If the application application 70 is used on the user terminal 20, the control unit 51 also sends a push notification to the user terminal 20 related to the case information regarding the message. Furthermore, the control unit 51 sends an email notification and a push notification to the email address of the real estate agent terminal 30 related to the above case information, informing the user that a message from the review officer has been created.

[0091] On the user terminal 20, the control unit 21 displays the above-mentioned email notification and push notification according to the application application 70. Upon selecting either email notification or push notification, or launching the application app 70, the control unit 21 displays a message from the real estate agent or review officer according to the application app 70.

[0092] In the real estate agent terminal 30, the control unit 31 displays the above-mentioned email notification and push notification according to the application application 70. Upon selecting either email notification or push notification, or launching the application application 70, the control unit 31 displays a message from the review officer according to the application application 70.

[0093] In the financial institution terminal 40, the management application 45A causes the financial institution terminal 40 to function as a screening and management means. The control unit 41 retrieves case information from the case DB 53F of the server 50 according to the management application 45A and displays a case information list screen as shown in Figure 16. When the above-mentioned review officer searches for a case with a new message on the case information list screen and selects the case, the control unit 41 displays a review management screen as shown in Figures 17 and 18, in accordance with the management application 45A. When the above-mentioned reviewer selects the icon for the message shown in Figure 18, the management application 45A causes the financial institution terminal 40 to function as a message management device. The control unit 41 displays the message from the real estate agent according to the management application 45A.

[0094] <Review Process> This process assumes, as an example, that both the user terminal 20 and the real estate agent terminal 30 use the application application 70, and that the financial institution terminal 40 uses the management application 45A.

[0095] (S801) When a financial institution's loan officer operates the financial institution terminal 40 to launch the management application 45A, the management application 45A causes the financial institution terminal 40 to function as a loan application management device. The control unit 41 retrieves case information from the case database 53F of the server 50 according to the management application 45A and displays a case information list screen as shown in Figure 16. When the above-mentioned review officer selects a case for which a mortgage loan review is to be conducted from the list of case information, the control unit 41 displays a review management screen as shown in Figures 17 and 18, in accordance with the management application 45A. The above-mentioned review officers will conduct the review in the order of preliminary review followed by formal review. In the preliminary review, they will compare the basic items related to the case information and the preliminary review application items with the prescribed requirements and check the items. If there are deficiencies in the preliminary review items, selecting the "Add Deficiency" icon shown in Figure 18 will display a screen (not shown) where the reviewer can select which preliminary review item has a deficiency. On this screen, the reviewer selects the preliminary review item with the deficiency. The selected preliminary review item is then linked to the case information stored in the case DB 53F as deficiency information on the server 50.

[0096] In this case, when the examiner selects the icon for the message shown in Figure 18, the management application 45A causes the financial institution terminal 40 to function as a message management means. The control unit 41 displays a predetermined message screen with the defective preliminary review item attached, in accordance with the management application 45A. The subsequent message management process follows S703 above, so we will omit the explanation, but the user terminal 20 and the real estate agent terminal 30 will display, for example, a message from the examiner as shown in Figure 13(a), as well as the task for the incomplete preliminary examination item and a link to the input screen for that preliminary examination item. The user or real estate agent selects the link above, enters the preliminary screening items according to S701 above, and sends a message to the screening officer according to S703 above.

[0097] The above-mentioned reviewer re-examines the entered preliminary review items, and if any deficiencies are resolved, selects the deficiency icon shown in Figure 18 and registers the removal of the deficiency for the preliminary review items that were selected as having deficiencies. Upon this registration, the deficiency information linked to the case information is updated on the server 50, and the message display screens on the user terminal 20 and the real estate agent terminal 30 show a status indicating that the deficiencies in the preliminary review items have been resolved, for example, as shown in Figure 13(b).

[0098] After all check items have been verified, the control unit 41 sends information about the preliminary review to the server 50 according to the management application 45A.

[0099] On server 50, the screening program 53C makes server 50 function as a means of screening mortgage applications. The control unit 51 performs a preliminary screening based on a predetermined credit model, etc., in accordance with the screening program 53C, creates provisional loan conditions, and updates the case information stored in the case DB 53F by linking the preliminary screening result information indicating the completion of the preliminary screening to the case information. The control unit 51 transmits the preliminary screening result information to the user terminal 20 and the real estate agent terminal 30 in accordance with the screening program 53C.

[0100] In the user terminal 20 and the real estate agent terminal 30, the application application 70 causes the user terminal 20 and the real estate agent terminal 30 to function as means of notifying the review results. The control unit 21 and the control unit 31 perform message reception notifications, such as push notifications, according to the application application 70. Upon selecting the above message notification or launching the application application 70, the control unit 21 and control unit 31 display the preliminary review results and instructions for the formal review, etc., according to the application application 70.

[0101] Furthermore, in order to manage tasks related to loan conditions when notifying the preliminary screening results, a message from the financial institution's screening officer, as shown in Figure 19, is displayed on the user terminal 20 and the real estate agent terminal 30. Message management processing is performed between the user terminal 20, the real estate agent terminal 30, and the financial institution terminal 40 as described in S703 above, and task notifications and responses are performed in the same way as the confirmation of preliminary screening application items as described in S801 above.

[0102] On the screen displaying the preliminary review results and instructions for the formal review, the user can operate the application application 70 on the user terminal 20 to make it function as a means for receiving input of formal review application items. The control unit 21 displays the input screen for the predetermined formal review application items according to the application application 70. Once the above formal application review items are entered, the control unit 21 sends information about the entered content of the formal application review items to the server 50 in accordance with the application application 70.

[0103] On server 50, the control unit 51 updates the case information stored in case DB 53F based on the input content of the formal review application items from user terminal 20, in accordance with the application program 53B.

[0104] Furthermore, in the real estate agent terminal 30, the application application 70 causes the real estate agent terminal 30 to function as a means for receiving input of formal review application items. The control unit 31 displays an input screen for formal review application items, similar to the user terminal 20, according to the application application 70. To support the mortgage application, the real estate agent will, as requested by the user, enter at least one of the missing items from the formal application form and any items already entered by the user terminal 20 that require correction. Once the above formal application items are entered, the control unit 31 sends information about the entered items to the server 50 in accordance with the application application 70.

[0105] On server 50, the control unit 51 updates the case information stored in case DB 53F based on the input of formal review application items by the real estate agent terminal 30, in accordance with the application program 53B.

[0106] Once all formal application items have been entered and the formal application has been confirmed on the user terminal 20, the control unit 21 requests the server 50 to submit the formal application according to the application application 70. The user terminal 20 then displays a formal application completion screen.

[0107] (S802) In the formal review, the control unit 41 of the financial institution terminal 40 requests the server 50 to perform a formal review based on the formal review items related to the case information, in accordance with the management application 45A.

[0108] Furthermore, prior to requesting a formal review, message management processing is performed between the user terminal 20, real estate agent terminal 30, and financial institution terminal 40 as described in S703 above. This process is followed by notification and response regarding any deficiencies in the formal review items, similar to the confirmation of preliminary review application items described in S801 above.

[0109] In server 50, the control unit 51 conducts a formal review based on a predetermined credit model, etc., in accordance with the review program 53C, and creates formal loan terms. After the formal review is completed, the control unit 51 updates the case information stored in the case DB 53F by linking the review result information indicating the completion of the formal review and the loan conditions information regarding the above loan conditions, in accordance with the review program 53C. Furthermore, the control unit 51 transmits the results of the formal review and the loan conditions information to the user terminal 20 and the real estate agent terminal 30 in accordance with the review program 53C.

[0110] In the user terminal 20 and the real estate agent terminal 30, the application application 70 causes the user terminal 20 and the real estate agent terminal 30 to function as means of notifying the review results. The control unit 21 and the control unit 31 perform message reception notifications, such as push notifications, according to the application application 70. Upon selecting the above message notification or launching the application application 70, the control unit 21 and control unit 31 display the review results and loan conditions as shown in Figure 20, in accordance with the application application 70.

[0111] Furthermore, in order to manage tasks related to loan conditions when notifying the results of the formal review, a message from the financial institution's review officer, as shown in Figure 19, is displayed on the user terminal 20 and the real estate agent terminal 30. Message management processing is performed between the user terminal 20, the real estate agent terminal 30, and the financial institution terminal 40 as described in S703 above, and task notifications and responses are carried out in the same way as the confirmation of preliminary review application items as described in S801 above.

[0112] In addition to the above, when the financial institution terminal 40 uses the browser application 45B, the browser application 45B causes the financial institution terminal 40 to function as a means of displaying web pages. The control unit 41 requests the server 50 to display the web page of the housing loan application service in accordance with the browser application 45B.

[0113] On server 50, the web program 53A causes server 50 to function as a means of providing web pages. The control unit 51, in accordance with the web program 53A, sends various web pages related to the above-mentioned housing loan application service to the financial institution terminal 40 in response to requests from the financial institution terminal 40.

[0114] In the financial institution terminal 40, the control unit 41 displays a function menu selection page according to the browser application 45B. When a financial institution's loan officer selects a function called "housing loan application" on this page, the server 50 sends a case information list screen page as shown in Figure 16. When the above-mentioned review officer selects a case for which they will be reviewing a mortgage loan from the list of case information, server 50 sends a review management screen page as shown in Figures 17 and 18. The above-mentioned reviewers conduct the review in the same order as above: preliminary review followed by formal review. After all check items have been confirmed on the review management screen page during the preliminary review, the control unit 41 sends information about the content of the preliminary review to the server 50 according to the browser application 45B.

[0115] In server 50, as described above, the control unit 51 performs a preliminary credit assessment based on a predetermined credit model, etc., according to the credit assessment program 53C, and creates provisional loan conditions.

[0116] On the review management screen page during the formal review, the control unit 41 of the financial institution terminal 40 requests the server 50 to perform a formal review based on the formal review items related to the case information, in accordance with the browser application 45B.

[0117] In server 50, the control unit 51 performs a formal review based on a predetermined credit model, etc., in accordance with the review program 53C, as described above, and creates formal loan terms.

[0118] After the formal review is completed, the control unit 51 updates the case information stored in the case DB 53F by linking the review result information indicating the completion of the formal review and the loan conditions information regarding the loan conditions, in accordance with the review program 53C, as described above.

[0119] Furthermore, similarly to the above, the control unit 51 transmits the review result information for the formal review and the loan conditions information to the user terminal 20 and the real estate agent terminal 30 in accordance with the review program 53C.

[0120] In this embodiment, when a user applies for a mortgage online, the input of application details is shared with the real estate agent, and a configuration is adopted that visualizes tasks, status, and progress in real time. As a result, the user, real estate agent, and financial institution can work together online to advance the mortgage application process. [Explanation of symbols]

[0121] 10. Mortgage Application Management System 60 Communication Networks

Claims

1. A means of allowing a user terminal used by a user applying for a mortgage to accept input of basic information necessary for the application and to send the input content to a server, To the aforementioned server, A means for generating case information that links the input content of the aforementioned basic items and the mortgage application items corresponding to the input content of the aforementioned basic items to a case identification number, A means for transmitting the aforementioned case information to the user terminal and to a real estate agent terminal used by a real estate agent who introduces the aforementioned housing loan to the user, The user terminal and the real estate agent terminal are provided with means for receiving input of the housing loan application items and transmitting the input contents to the server, To the aforementioned server, A means for updating the case information based on the input contents of the aforementioned housing loan application items, A means for a financial institution to receive the updated case information from the server and review the mortgage application based on the input contents of the basic items and the mortgage application items, used by a financial institution to review the mortgage application; To the aforementioned server, A means for receiving the screening result information for the aforementioned screening from the financial institution terminal and transmitting the screening result information to the user terminal, A mortgage application management system equipped with the following features.

2. To the aforementioned server, The system further comprises means for receiving the screening result information regarding the aforementioned screening from the financial institution's terminal and for transmitting the screening result information to the real estate agent's terminal. A mortgage application management system according to claim 1.

3. The mortgage application items to be entered into the real estate agent's terminal are at least one of the items that have not been entered and the items that have been entered by the user terminal and require correction. A mortgage application management system according to claim 1 or claim 2.

4. The server further comprises means for receiving inquiries regarding the housing loan from the user terminal and for automatically responding to each inquiry. A mortgage application management system according to claim 1 or claim 2.

5. The server further comprises means for causing the server to manage messages related to the housing loan between the user terminal, the real estate agent terminal, and the financial institution terminal. A mortgage application management system according to claim 1 or claim 2.

6. A means of receiving the input of basic information necessary for a mortgage application from a user terminal used by a user applying for a mortgage, A means for generating case information that links the input content of the aforementioned basic items and the mortgage application items corresponding to the input content of the aforementioned basic items to a case identification number, Means for transmitting the aforementioned case information to the user terminal and to a real estate agent terminal used by a real estate agent who introduces the aforementioned housing loan to the user, Means for receiving input content of the housing loan application items from the user terminal and the real estate agent terminal, A means for updating the case information based on the input contents of the aforementioned mortgage application items, A means for receiving screening result information for the housing loan application based on the input contents of the basic items and housing loan application items related to the updated case information from a financial institution terminal used by a financial institution that screens the housing loan application, and transmitting the screening result information to the user terminal, A server equipped with the following features.

7. The user terminal used by the user applying for a mortgage accepts input of basic information necessary for the application, and sends the input content to the server. To the aforementioned server, The system generates case information by linking the input content of the aforementioned basic items and the mortgage application items corresponding to the input content of the aforementioned basic items to a case identification number. The aforementioned case information is transmitted to the user terminal and to the real estate agent terminal used by the real estate agent who introduces the mortgage to the user. The user terminal and the real estate agent terminal are instructed to accept input of the housing loan application items and to transmit the input contents to the server. To the aforementioned server, The case information is updated based on the input contents of the aforementioned mortgage application items. The financial institution that reviews the application for the aforementioned housing loan receives the updated case information from the server into its terminal, and reviews the housing loan application based on the input contents of the basic items and the housing loan application items. To the aforementioned server, The financial institution's terminal receives the screening result information for the aforementioned screening, and transmits the screening result information to the user terminal. program.

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