Housing Will Integrated System

Abstract

To provide an integrated housing will system which can store holographic wills for clients newly starting housing loans, and automatically and continuously follow the clients in accordance with occurrence of life events or change in their needs.SOLUTION: In an integrated housing will system for storing and managing holographic wills, a management server includes a storage unit, a calculation unit, an input unit, and an output unit. The storage unit includes a will management database which manages the clients' holographic wills. The will management database includes a client management table, a housing loan payment management table and a will management table. The calculation unit includes client information registration means which registers clients' bibliographic items, electronic will creation means which digitizes contents of the holographic wills, will registration means which registers the contents of the digitized holographic wills in the will management table, and guidance transmission means which transmits guidance of current will contents to the respective clients registered in the customer management table.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] This invention relates to a system for storing and managing handwritten wills, and in particular to a comprehensive housing will system that stores handwritten wills for new home loan clients, obtains information on the progress of the client's loan contract and various events such as the client's death, and guides the client through registered wills according to those events, thereby enabling the automatic and continuous confirmation, update, and modification of service content for clients according to the occurrence of life events and changes in needs. [Background technology]

[0002] Numerous systems have been developed for handling customers' wills and other documents. Because the management of wills involves procedures requiring specialized knowledge of donations, inheritances, and other matters, various products have been created as proxy services for financial products, and management and operation systems have also been developed to specialize in handling financial products such as will trusts. Similarly, numerous management systems for mortgages have also been developed and are currently in use.

[0003] For example, Japanese Patent Application Laid-Open Publication No. 2017-151521 discloses a technology relating to a system for managing wills of customers. This technology relates to a will management system that efficiently and accurately manages wills in various situations, such as when it is difficult to guarantee the authenticity of a will other than one signed by the person himself, or when a message is to be left as an ancillary item to a will or an ending note in a case where the will is not legally treated as a will.

[0004] In addition, JP 2020-46801 A discloses technology for a system for managing assets by registering information on various inheritable assets in advance and accurately grasping and managing those assets until the time of inheritance, such as registering information on the deceased and at least one of financial assets, real estate assets, and personal property assets, and creating, storing, and outputting a list of assets based on the registered data.

[0005] While these technologies may indeed make it possible to manage customers' handwritten wills, there is a problem in that it is difficult to provide detailed follow-up support to customers while simultaneously managing the customer's status and the progress of mortgage contract payment.

[0006] The management of handwritten wills is handled by specialized financial institutions such as banks and trust banks, so customers can feel secure in entrusting the management to them. Also, mortgages are handled by financial institutions, but if an event such as inheritance occurs to the contract holder, specialized knowledge is required for subsequent handling. There has been a long awaited development of a system that links the management of wills and the handling of mortgages, and handles them simultaneously in an integrated manner with specialized knowledge. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] JP 2017-151521 A [Patent Document 2] JP 2020-46801 A DISCLOSURE OF THEINVENTION [Problem to be solved by the invention]

[0008] In order to solve the above problems, the present invention aims to provide a comprehensive housing will system that stores handwritten wills for new home loan clients, and obtains information on various events such as the progress of a client's loan contract over time and the client's unexpected death, and then takes actions such as providing information, confirming, updating, and changing service content in response to such events, thereby enabling automatic and continuous support for clients in response to the occurrence of life events and changes in their needs. [Means for solving the problem]

[0009] In order to achieve the above object, the present invention provides a housing will comprehensive system for storing and managing handwritten wills, which comprises a management server for managing the handwritten wills of customers who have contracted a housing loan, said management server comprising one or more memory units for recording various data, a calculation unit for performing calculation processing on the various data recorded in said memory unit, an input unit for performing input processing on said memory unit and processing instructions to said calculation unit, and an output unit for visibly outputting the results of the calculation processing by said calculation unit, said memory unit comprising a will management database for managing the handwritten wills of customers, said will management database comprising a customer management table for recording information about customers, a housing loan payment management table for managing the loan payment status of properties owned by customers, and a will management table for managing handwritten wills for each customer, said calculation unit comprising customer information registration means for registering bibliographic information of customers, electronic will creation means for digitizing the contents of handwritten wills, and a computer-readable storage unit for storing the contents of the digitized handwritten will. The system comprises a will registration means for registering information relating to the attributes of a customer input from the input unit in the customer information table, and an information sending means for sending information about the current contents of a will to each customer registered in the customer management table, and the calculation unit is configured so that the customer information registration means performs a process of registering information relating to the attributes of the customer input from the input unit in the customer information table, the electronic will creation means performs a process of creating and updating a new handwritten will based on the contents of the handwritten will input from the input unit, and the will registration means performs a process of registering the created and updated handwritten will in the will management table, and the calculation unit further comprises a customer status confirmation means which searches the customer management table and / or the mortgage payment management table to obtain current status information of each customer, extracts customers whose status information matches the notification conditions and customers in whom a change in status information has been detected, and then instructs the information sending means to send information about the handwritten will to those customers.

[0010] The guidance condition is that the current month number and the customer's birth month match. Furthermore, the guidance condition is configured to include detection of a flag indicating a change in the family structure of the customer, or detection of a flag indicating completion of mortgage payment. Effect of the Invention

[0011] The present invention has the configuration as described above in detail and thus has the following effects. 1. The will management database is configured with a customer management table, a mortgage payment management table, and a will management table, making it possible to integrate and simultaneously handle will management and mortgage management with specialized knowledge. In addition, a customer status confirmation means is provided, making it possible to send timely information about handwritten wills to customers, enabling detailed follow-up for customers. 2. The condition for receiving notifications is that the current month number and the customer's birth month must match, making it possible to follow up with customers by birth month as necessary. 3. Since the conditions for receiving the information include changes in the customer's family structure and completion of mortgage payments, it becomes possible to quickly complete mortgage-related procedures in the event of an inheritance or other need. BEST MODE FOR CARRYING OUT THEINVENTION

[0012] The housing will comprehensive system according to the present invention will be described in detail below with reference to the embodiments shown in the drawings. Fig. 1 is a schematic diagram of the housing will comprehensive system according to the present invention, and Fig. 2 is a schematic diagram of the storage unit.

[0013] The housing will comprehensive system 1 of the present invention is configured to include a management server 100, as shown in FIG. 1. The management server 100 manages the handwritten wills 10 of customers who have signed housing loan contracts, and is a system for storing and managing handwritten wills that acquires various events related to the customers and takes actions such as providing guidance in response to those events, thereby enabling automatic and continuous support for customers in response to the occurrence of life events or changes in their needs.

[0014] In this embodiment, the handwritten will 10 mainly refers to a handwritten will, and is configured such that, for example, the contents of the will are converted into electronic data and stored, and the contents can be changed if necessary according to the will's will. In this embodiment, it is assumed that the will is used for the business related to the trust of mortgages, so it is also possible to manage the payment of the trust property to the rightful owner after the death of the customer.

[0015] The management server 100 is the central device of the housing will integrated system according to the present invention, and is a server device for managing the handwritten will 10. The management server 100 can be configured as a standalone unit, but since it is expected that the total number of cases to be processed will become enormous as the number of customers and contracts increases, the management server 100 is required to have high processing capabilities and reliability. To deal with such a situation, it is possible to introduce multiple server computers and configure it to perform distributed processing, etc.

[0016] The management server (or a group of management servers) is assumed to be located in a server management room at a business establishment, but it is also possible to disperse them to remote locations. Furthermore, from the viewpoints of data management safety and long-term data management, simplification of system operation and maintenance, and load balancing, a configuration in which data management is performed using cloud computing technology may be used.

[0017] In this embodiment, the management server 100 is equipped with at least a storage unit 110, a calculation unit 120, an input unit 130, and an output unit 140, as shown in FIG.

[0018] The storage unit 110 is a storage device for recording and holding various data including the handwritten will 10, and is composed of one or more storage devices or a group of storage devices such as hard disks and flash memories that are equipped in the management server 100. In this embodiment, since the amount of data to be stored and held is enormous, it is desirable to configure, for example, an external storage system as the storage unit 110, separate it from one or more management servers 100, and access the storage system from each server (NAS, etc.). It is also possible to configure one or more servers (database servers) as the storage unit 110, and access it from the management server 100.

[0019] The calculation unit 120 is a device that performs calculation processing on various data recorded and stored in the storage unit 110. In this embodiment, the calculation unit 120 is configured such that an arithmetic device consisting of a CPU equipped in the management server 100 reads an executable file of calculation software stored in the storage unit 110 and performs execution processing, automatically or in accordance with instructions from an operator, etc., and further reads various data and performs data processing.

[0020] The input unit 130 is a device for externally instructing input processing for the storage unit 110 and execution processing for the calculation unit 120, and is an input device for directly inputting data and instructions to the management server 100. In this embodiment, the number and amount of data to be input is enormous, and it is considered that it would be difficult to work with a single input unit 130, so a configuration is adopted in which multiple personal computers, mobile terminals, etc. are connected to the management server 100 via a network. In this configuration, an operator inputs various data to the storage unit 110 and issues processing commands to the calculation unit 120 via multiple personal computers, but the configuration is not limited to this.

[0021] The output unit 140 is a device for outputting the results of various arithmetic processing performed by the arithmetic unit 120 so that the results can be visually confirmed by a customer or an operator. In this embodiment, the output unit 140 is a display screen such as a display provided on the management server 100 or a personal computer connected to the management server 100, but may also include a printer connected via a network.

[0022] 1, the storage unit 110 is configured to include a will management database 200. The will management database 200 is a database for managing handwritten wills 10 of clients, and in this embodiment is configured as a relational database capable of efficiently storing and managing text information, image information, etc., but is not limited to this and can of course be constructed as various databases of other formats.

[0023] As shown in FIG. 2, in this embodiment, the will management database 200 is configured to include at least a customer management table 210, a mortgage payment management table 220, and a will management table 230.

[0024] The customer management table 210 is a table that records information about customers, and in this embodiment includes customer ID, name, address, gender, date of birth, family composition, contract ID, will ID, mortgage ID, etc., but is not limited to this.

[0025] The mortgage payment management table 220 is a table that records various information required to manage the loan payment status of properties owned by each customer, and in this embodiment, it is configured to include information such as customer ID, mortgage ID, mortgage balance, and scheduled mortgage repayment date, but is not limited to this.

[0026] The will management table 230 is a table for managing handwritten wills 10 for each customer, and in this embodiment, includes information such as the customer ID, will information, and the date the will was created, but is not limited to this. Also, since a will is usually created in one copy, it is possible to register the customer management table 210 and the will management table 230 in a single table.

[0027] 1, the calculation unit 120 is configured to include at least a customer information registration means 122, an electronic will creation means 124, a will registration means 126, and a guide transmission means 128. The customer information registration means 122 is a means for registering information about a customer, and registers various information about the customer inputted through a form by the input unit 130 in a customer management table 210. In this embodiment, the customer information registration means 122 is made up of software whose executable file is stored in the storage unit 110 and which is executed by the calculation unit 120 made up of a calculation device, and for example, if there is an error or inconsistency in the input contents, an error message can be displayed on the output unit 140 to prompt the correction of the error.

[0028] The electronic will creation means 124 is a means for digitizing the contents of the handwritten will 10, and is made up of software for processing and adjusting the contents of the handwritten will 10 inputted via a form from the input unit 130, or an image and digitization of the created handwritten will 10, into a format that can be registered in the will management table 230. In this embodiment, for example, it is possible to configure the content of the handwritten will 10 to be inputted into a certain form displayed on the output unit 140 and converted into a registerable format, or to configure the handwritten will 10 that has been converted into an image file (digitization) to be converted into a registerable format.

[0029] The will registration means 126 is a means for registering the contents of the handwritten will 10, which has been digitized by the electronic will creation means 124 so that it can be registered in the will management database 200, in the will management table 230, and is composed of software that writes and overwrites each piece of information that has been processed and adjusted into a registerable format in the will management table 230. In this embodiment, it is possible to configure the handwritten will 10 converted into a registerable format to be written in the will management table 230, or to upload the handwritten will 10 converted into an image file to the management server 100.

[0030] The information sending means 128 is a means for sending information about the current contents of a will to each customer registered in the customer management table 210, and is composed of software for sending information about handwritten wills to customers extracted by searching the customer management table 210 automatically or by a search operation performed by an operator.

[0031] Next, the details of the processing contents of the calculation unit 120 will be described. When an operator starts input processing using the input unit 130 based on a request from a customer, etc., the customer information registration means 122 performs data processing on the information related to the attributes of the customer input from the input unit 130 and then performs processing to register the information in the customer management table 210. On the other hand, the electronic will creation means 124 performs a process of creating or updating a new handwritten will 10 by converting it into a format that can be registered based on the contents of the handwritten will 10 input from the input unit 130 by the operator based on a request from a customer, etc. The will registration means 126 performs a process of registering data related to the created or updated handwritten will 10 in the will management table 230. This makes it possible to register information related to the customer and the contents of the handwritten will 10 in the housing will comprehensive system 1 based on the request from the customer.

[0032] In this embodiment, the calculation unit 120 is further configured to include a customer status confirmation means 129. The customer status confirmation means 129 is a means for confirming and acquiring the current status of the customer, such as changes in the customer's family structure, age, health condition, mortgage payment status, etc.

[0033] The above-mentioned statuses of the customers are registered in the customer management table 210 and the mortgage payment management table 220 and are constantly updated. The customer status confirmation means 129 searches the customer management table 210 and / or the mortgage payment management table 220 to automatically / periodically obtain the current status information 20 of each customer. Then, by comparing with the pre-set notification conditions, it extracts customers whose status information matches the notification conditions and customers whose status information has been changed. The customer status confirmation means 129 is configured to instruct the notification sending means 128 to automatically send a notification regarding the handwritten will 10 to the extracted customers. With this configuration, it is possible to provide a housing will comprehensive system that automatically and continuously confirms, updates, changes, etc. of the service contents according to the occurrence of life events or changes in needs, at the request of the customer, or according to the needs of the financial institution.

[0034] In this embodiment, the notification condition that is compared and judged by the customer status confirmation means 129 is a match between the current month number and the customer's birth month. With this configuration, it is possible to reliably provide a follow-up such as a notification regarding the handwritten will 10 to a customer according to the customer's birth month.

[0035] The guidance conditions that the customer status confirmation means 129 compares and judges may also be configured to include detection of a flag indicating a change in the customer's family structure, or detection of a flag indicating completion of mortgage payment. In this embodiment, when an event such as a change in the customer's family structure or completion of mortgage payment occurs, a process is performed to set (register) a flag in each table. By detecting this flag, it is possible to quickly complete mortgage-related procedures when the need for inheritance arises, and to present proposed changes to procedures recommended by the financial institution through automatic selection processing.

[0036] The Housing Will Comprehensive System 1 according to the present invention automatically determines the timing for sending information such as proposals for changes to the handwritten will 10 recommended by the financial institution, depending on, for example, the progress of the customer's mortgage contract. After the handwritten will 10 is registered and stored, information such as changes to the handwritten will 10 is sent based on the customer's month of birth. This configuration makes it possible to send information and new proposals regarding the handwritten will 10 at appropriate times, and to automatically and continuously follow up with the customer based on the occurrence of life events and changes in needs regarding financial products. [Brief description of the drawings]

[0037] [Figure 1] Schematic diagram of the Housing Will Integrated System according to the present invention. [Diagram 2] Schematic diagram of the memory unit [Explanation of symbols]

[0038] 1. Housing Will Integrated System 10 Handwritten Will 20 Status Information 100 Management Server 110 Storage section 120 Arithmetic section 122 Customer information registration method 124 Electronic Will Creation Methods 126 Means of registering wills 128 Information transmission means 129 Customer Status Verification Method 130 Input section 140 Output section 200 Will Management Database 210 Customer Management Table 220 Mortgage Payment Management Table 230 Will Management Table

Claims

1. The Housing Will Comprehensive System (1) for storing and managing handwritten wills has been established. The system comprises a management server (100) for managing handwritten wills (10) of clients who have signed mortgage contracts, The management server (100) comprises one or more storage units (110) for recording various data, a calculation unit (120) for performing calculation processing on the various data recorded in the storage unit, an input unit (130) for input processing to the storage unit and for issuing processing instructions to the calculation unit, and an output unit (140) for visually outputting the results of the calculation processing by the calculation unit, The memory unit (110) includes a will management database (200) for managing handwritten wills (10) of customers, the will management database including a customer management table (210) for recording information about customers, a mortgage payment management table (220) for managing the loan payment status of properties owned by the customers, and a will management table (230) for managing handwritten wills for each customer; The calculation unit (120) comprises a customer information registration means (122) for registering bibliographic information of a customer, an electronic will creation means (124) for digitizing the contents of a handwritten will, a will registration means (126) for registering the electronic contents of the handwritten will in the will management table (230), and a guide sending means (128) for sending a guide of the current will contents to each customer registered in the customer management table (210); In the calculation unit (120), the customer information registration means (122) performs a process of registering information related to customer attributes inputted from the input unit (130) in the customer management table (210), the electronic will creation means (124) performs a process of creating / updating a new handwritten will based on the contents of the handwritten will (10) inputted from the input unit (130), and the will registration means (126) performs a process of registering the created / updated handwritten will (10) in the will management table (230). The calculation unit (120) further comprises a customer status confirmation means (129) which searches the customer management table (210) and / or the mortgage payment management table (220) to obtain current status information (20) of each customer, extracts customers whose status information matches the notification conditions and customers whose status information has been detected to have changed, and then instructs the notification sending means (128) to send notifications regarding handwritten wills to those customers. This housing will comprehensive system is characterized in that the calculation unit (120) further comprises a customer status confirmation means (129) which searches the customer management table (210) and / or the mortgage payment management table (220) to obtain current status information (20) of each customer, extracts customers whose status information matches the notification conditions and customers whose status information has been detected to have changed, and then instructs the notification sending means (128) to send notifications regarding handwritten wills to those customers.

2. 2. The housing will integrated system according to claim 1, wherein the guidance condition is a match between the current month number and the customer's birth month.

3. 2. The housing will integrated system according to claim 1, wherein the guidance conditions include detection of a flag indicating a change in the customer's family structure or detection of a flag indicating completion of mortgage payment.

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