Trust management device, trust management method and program

Abstract

To provide a trust management device that secures the authenticity of stakeholders and achieves safe real estate transactions.SOLUTION: A trust management device of the present invention includes: a communication unit that receives identity information input by a plurality of stakeholders who are involved in a real estate transaction from different standpoints, and that receives authenticity information of the identity information from a public information server; a collation unit that collates the input information of the identity information with the authenticity information; and a storage unit that stores a result of collation by the collation unit.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a trust management device, a trust management method, and a program. [Background technology]

[0002] In order to increase the convenience of real estate buying and selling transactions, mechanisms to realize electronic and non-face-to-face transactions are being considered. For example, Patent Document 1 describes "a system that uses electronic information technology to handle requests for real estate transactions associated with three parties, a sales and rental business owner, a real estate brokerage business, and a third-party beneficiary, and that uses information communication technology to input and output information to and from information collection and distribution programs and related information databases installed by the client, the brokerage business, and the third-party beneficiary, and that rewrites information files and processes related calculations" (Claim 1 of the same document). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2001-402278 Summary of the Invention [Problem to be solved by the invention]

[0004] Real estate transactions involve stakeholders from various positions and involve complex procedures. However, the identities of each stakeholder are not mutually verified. For example, between real estate agents and judicial scriveners, there is no mutual verification of qualifications. As a result, there is a risk that a judicial scrivener may not be able to detect an impersonation. Since buyers have no way of verifying the identity of a judicial scrivener, they have no choice but to indirectly trust the judicial scrivener introduced by the real estate agent by trusting the real estate agent and entrusting the procedures to them. Furthermore, in real estate transactions, sellers and buyers are usually verified, but this method is limited to a visual check of identification documents, and no special verification is done for other corporations.

[0005] An object of the present invention is to provide a trust management device, a trust management method, and a program that ensure the authenticity of stakeholders and realize safe and convenient real estate buying and selling transactions. [Means for solving the problem]

[0006] In order to solve the above problems, the trust management device of the present invention is equipped with a communication unit that accepts personal information entered by multiple stakeholders involved in real estate sales transactions in different positions and receives authentic information of the personal information from a public information server, a matching unit that compares the input information of the personal information with the authentic information, and a memory unit that stores the matching results by the matching unit.

[0007] In addition, the trust management method of the present invention includes a step of accepting personal information entered by multiple stakeholders involved in a real estate purchase and sale transaction in different positions, a step of accepting authentic information of the personal information from a public information server, and a step of comparing the input information of the personal information with the authentic information.

[0008] Furthermore, the program of the present invention causes a trust management device, which is a computer, to execute the steps of accepting personal information entered by multiple stakeholders involved in a real estate purchase and sale transaction in different positions, accepting authentic information of the personal information from a public information server, and comparing the input information of the personal information with the authentic information. [Effects of the Invention]

[0009] According to the present invention, it is possible to provide a trust management device, a trust management method, and a program that ensure the authenticity of stakeholders and realize safe and convenient real estate buying and selling transactions. Problems, configurations, and effects other than those described above will become clear from the following description of the embodiment of the invention. [Brief explanation of the drawings]

[0010] [Figure 1]1 is a diagram showing an example of the configuration of a real estate buying and selling transaction system according to an embodiment of the present invention. [Figure 2] A conceptual diagram showing the exchange of information when verifying the identity of each stakeholder. [Figure 3] A conceptual diagram showing the exchange of information when proving the validity of a real estate purchase and sale transaction. [Figure 4] FIG. 1 is a diagram showing an example of the configuration of a trust management server that realizes a real estate buying and selling platform. [Figure 5] FIG. 10 is a diagram showing the relationship between tables managed in the auxiliary storage device of the trust management server. [Figure 6] FIG. 10 is a diagram showing an example of files (contract documents) temporarily stored in each folder in the auxiliary storage device of the trust management server. [Figure 7] 10 is a flowchart showing the processing in a real estate buying and selling platform when a seller provides trust certification. [Figure 8] 10 is a flowchart showing the processing in the real estate buying and selling platform when a buyer provides trust certification. [Figure 9] A flowchart showing the processing in a real estate buying and selling platform when a real estate agent provides trust certification. [Figure 10] 10 is a flowchart showing the processing in a real estate buying and selling platform when a real estate brokerage company certifies trust. [Figure 11] 10 is a flowchart showing the processing in a real estate buying and selling platform when a judicial scrivener certifies trust. [Figure 12] 10 is a flowchart showing the processing in a real estate buying and selling platform when validating the property information entered by a seller. [Figure 13] 10 is a flowchart showing the processing performed by a real estate buying and selling platform when proving the validity of a price assessed by a real estate brokerage company. [Figure 14] 10 is a flowchart showing the process when the real estate buying and selling platform updates the status of each transaction process. DETAILED DESCRIPTION OF THE INVENTION

[0011] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. The embodiment is an example for explaining the present invention, and for clarity of explanation, appropriate omissions and simplifications have been made. The present invention can be implemented in various other forms. Unless otherwise specified, each component may be singular or plural.

[0012] Fig. 1 is a diagram showing an example of the configuration of a real estate buying and selling transaction system according to this embodiment. As shown in Fig. 1, the real estate buying and selling transaction system is composed of a user terminal 1, an application server 2, a trust management server 3, and a public information server 4. The user terminal 1 and the application server 2, the application server 2 and the trust management server 3, and the trust management server 3 and the public information server 4 are each connected to each other via a network such as the Internet so that they can communicate with each other.

[0013] The user terminal 1 is a device such as a smartphone that is used by a user to register his or her own information. The users are multiple stakeholders involved in real estate transactions from different perspectives, including the seller and buyer of the real estate to be bought and sold, a corporate real estate brokerage business, an individual real estate broker (real estate agent), and a judicial scrivener who handles real estate registration procedures. The user terminal 1 may also have installed installed a program for an application related to real estate transactions (hereinafter referred to as a real estate transaction app) created by, for example, a real estate brokerage business.

[0014] The application server 2 is, for example, a server for a real estate transaction app owned or managed by a real estate brokerage business, and stores information sent from the user terminal 1 and provides the user terminal 1 with information required for each process of the real estate transaction based on the sent information, thereby providing services related to real estate transactions. Note that the transmission and reception of information between the user terminal 1 and the application server 2 may be performed via a real estate transaction app program installed on the user terminal 1, or via a web service provided by the application server 2.

[0015] The trust management server 3 (trust management device) functions as a real estate trading platform, providing trust information, specifically, personal information verifying the identity of each stakeholder and validity information for real estate transactions, in response to a request from the application server 2. The identity verification information includes personal information (such as name, address, and date of birth for individual stakeholders; and corporate number, registration information, license information related to business qualifications, and administrative sanction history for corporate stakeholders). The validity information for real estate transactions includes information on whether the transaction content itself is valid (e.g., whether the assessed price is significantly different from the market price or an unreasonable price) and whether the transaction process is valid (e.g., whether the important matters explanation was conducted in accordance with the correct process and the sales contract was concluded with the parties' understanding). The trust management server 3 compares the personal information received from the application server 2 with the personal information received from the public information server 4, stores the comparison results, and transmits them to the application server 2.

[0016] The public information server 4 refers to a server owned or managed by an administrative agency or the like, and there are multiple such servers. Each server stores a database that can verify personal information, corporate numbers, license information, registration information, administrative disposition history information, real estate market price information, etc. For example, personal information can be verified using a public information server 4 of each local government that stores driver's license data, and real estate market price information can be verified using a public information server 4 of the Ministry of Land, Infrastructure, Transport and Tourism or the like that stores real estate transaction price data. In this specification, this authentic information stored in the public information server 4 of an administrative agency or the like and capable of ensuring reliability may be referred to as a trust anchor.

[0017] FIG. 2 is a conceptual diagram showing the exchange of information when verifying the identity of each stakeholder.

[0018] When each stakeholder accesses a specific real estate transaction app to conduct a real estate transaction, they register their own information using the user terminal 1. At this time, the real estate transaction platform (trust management server 3) works in conjunction with the real estate transaction app to accept input information including the stakeholder's personal information, license information, etc., and also accepts authentic information that serves as a trust anchor from the public information server 4 based on the input information. Furthermore, the real estate transaction platform compares the input information with the authentic information, stores the comparison result, and sends it to the real estate transaction app.

[0019] When sellers and buyers register their information, they input their identification information as personal information into the real estate transaction app. The real estate transaction platform sends the input information to the public information server 4 of the institution that manages the identification documents, and confirms the validity of the identification documents (details will be described later using Figures 7 and 8). Identification documents include My Number cards (personal identification number cards), driver's licenses, passports, residence cards, etc.

[0020] For example, if a My Number card is used as identification, the real estate buying and selling platform will link with the Japan Agency for Local Public Entity Information Systems (J-LIS) public information server 4 to verify the input information against authentic information. Also, if a driver's license is used as identification, the real estate buying and selling platform will link with the public information server (license verification) 4 of the local government system to verify the input information against authentic information. Note that if the identification is a passport, the information required to verify the individual's identity can be read by reading the information on the IC chip installed, so verification against authentic information is not necessary.

[0021] When registering their own information, real estate agents enter not only the information on their identification cards but also information such as their real estate license number into the real estate transaction app. As with sellers and buyers, the real estate transaction platform verifies the information entered on the identification cards against the authentic information, and also checks the real estate license in cooperation with the public information server 4 of the real estate agent search system managed by the Ministry of Land, Infrastructure, Transport and Tourism (details will be described later using Figure 9).

[0022] When real estate brokerage businesses register their information, they input information such as their real estate license, a certified copy of the registry, a corporate seal certificate, a corporate number, and administrative sanction history into the real estate transaction app. As with real estate agents, the real estate trading platform checks the real estate license, as well as the corporate number, registration information, and administrative sanction history (details will be described later using Figure 10). When searching for the corporate number, the real estate trading platform connects with the public information server 4 of the corporate number publication site managed by the National Tax Agency; when searching for registration information, it connects with the public information server 4 of the registration information provision service managed by the Ministry of Justice; and when searching for administrative sanction history, it connects with the public information server 4 of the negative information search site managed by the Ministry of Land, Infrastructure, Transport and Tourism.

[0023] When a judicial scrivener registers his / her information, he / she enters not only the information on his / her identification card but also information such as the name of the judicial scrivener association to which he / she belongs into the real estate transaction app. The real estate transaction platform verifies the information entered on the identification card against the authentic information, and also links with the public information server 4 of the judicial scrivener search site managed by the Japan Federation of Judicial Scrivener Associations to check against the registered information for the judicial scrivener (details will be described later using Figure 11).

[0024] Furthermore, by accessing the real estate transaction app, each stakeholder can check the verification results of other stakeholders by the real estate transaction platform. For example, a buyer can check the verification results of the seller and judicial scrivener with whom they will be transacting, thereby confirming that the counterparty is trustworthy and enabling them to transact with peace of mind.

[0025] Figure 3 is a conceptual diagram showing the exchange of information when proving the validity of a sales contract, which is an example of a real estate purchase transaction. Here, we will explain the case of proving the validity of a sales contract, but the validity of procedures in other real estate purchase transactions can also be proven in a similar manner.

[0026] When a seller wishes to sell real estate, a real estate brokerage firm first provides the seller with information about the specific real estate transaction app. Following the instructions, the seller registers his or her own information and property information using user terminal 1, as described in Figure 2. Once the registered identity information has been verified (trust certification), the seller further enters property information about the property to be sold on the real estate transaction app, and the entered information is sent to the real estate transaction platform. The real estate transaction platform connects with public information server 4 of the registration information provision service managed by the Ministry of Justice, obtains registration information (trust anchor) searched based on the input information (address, etc.), verifies the accuracy of the property information, and shares the confirmation results with the real estate transaction app. The real estate transaction platform also obtains "information on various restrictions" for the area to which the property belongs from public information server 4 of a system managed by the local government, and connects this information to the real estate transaction app. The property information entered by the seller includes the address, property summary such as floor plan, a certified copy of the land registry, registered title deed, etc., and this information is stored in the real estate trading platform and linked to the real estate trading transaction app. Details of the processing by the real estate trading platform when registering property information will be described later using Figure 12. Below, the process up to the conclusion of the sales contract will be explained according to (1) to (6) in Figure 3.

[0027] (1) Price calculation and information sharing The real estate brokerage company calculates the price based on the property information registered by the seller. The calculated price by the real estate brokerage company is linked to the real estate trading platform connected to the real estate trading transaction app and stored in the real estate trading platform's database.

[0028] (2) Real estate price information verification Based on the address included in the property information, the real estate trading platform obtains market price information for the trust anchor property from the public information server 4 of the Land Comprehensive Information System managed by the Ministry of Land, Infrastructure, Transport and Tourism, and the public information server 4 of REINS Market Information managed by the Real Estate Transaction Organization designated by the Ministry of Land, Infrastructure, Transport and Tourism. Furthermore, the real estate trading platform compares the price calculated by the real estate brokerage business with the market price information for the trans anchor property to check for any significant discrepancies. Details of the real estate price comparison process on the real estate trading platform will be described later using Figure 13.

[0029] (3)(5) Price Proposal The real estate brokerage business will assess the price of the property based on the results of confirmation of the registration information and "information on various restrictions" linked to the real estate transaction app. The assessed price by the real estate brokerage business will be presented to the seller via the real estate transaction app. When a buyer wishes to purchase the property, the real estate brokerage business will also present the above price to the buyer.

[0030] (4) Brokerage contract When the seller agrees to the appraisal price and decides to commission a real estate brokerage, an agency agreement is concluded between the seller and the real estate brokerage, and the agency agreement information is sent to the real estate trading platform via the real estate trading transaction app. The real estate trading platform affixes the electronic signatures of the seller and the real estate brokerage to the agency terms and conditions, recording that the agency agreement transaction process has been carried out properly.

[0031] (6) Important explanation When a buyer wishes to purchase real estate, they follow the guidance of the real estate brokerage business and register their personal information and property information using user terminal 1 as explained in Figure 2, and then communicate with the real estate brokerage business regarding the property they wish to purchase. Once the property to purchase is decided, the real estate brokerage business's real estate agent will explain important matters to the buyer, and this information will be sent to the real estate trading platform via the real estate trading transaction app. The real estate trading platform will affix the electronic signatures of the buyer and the real estate agent to the explanation of important matters, and record that the transaction process for the explanation of important matters has been carried out properly.

[0032] (7) Sales contract Once the important explanations are complete, a sales contract is concluded between the seller and buyer, and the sales contract information is sent to the real estate sales platform via the real estate sales transaction app. The sales contract information includes the identity verification information of each stakeholder involved in the sales contract and property information confirmed in Figure 2. The real estate sales platform affixes the electronic signatures of the seller, buyer, and real estate brokerage firm to the sales contract, recording that the sales contract transaction process has been carried out properly.

[0033] The real estate buying and selling platform, which plays a major role in the real estate buying and selling transaction system according to this embodiment, will be described in detail below.

[0034] Fig. 4 is a diagram showing an example of the configuration of the trust management server 3 that realizes a real estate buying and selling platform. As shown in Fig. 4, the trust management server 3 includes a communication I / F 5, an input device 6, an output device 7, a calculation device 8, a main memory device 9, and an auxiliary memory device 10, which are connected to each other via a bus.

[0035] The communication I / F 5 corresponds to a communication unit and is an interface that communicates with the application server 2 and the public information server 4 via a network. This communication I / F 5, for example, receives input information of personal information from the application server 2 and receives authentic information of personal information from the public information server 4. The input device 6 is specifically an input device such as a keyboard, and the output device 7 is specifically a monitor. The calculation device 8 is specifically a processor such as a CPU, and performs calculations in accordance with a program stored in the main memory device 9.

[0036] The main storage device 9 is specifically a memory, and conceptually, programs that realize the functions of a matching unit 11, a table management unit 12, and a signature assignment unit 13 are stored within the memory. The matching unit 11 matches input information with authentic information for the personal information registered by each stakeholder, as shown in FIG. 2. Furthermore, the matching unit 11 compares information registered by each stakeholder (property information, appraised price, etc.) with information received from the public information server 4, which serves as a trust anchor (registration information, real estate market price information, etc.). The table management unit 12 creates new tables, as shown in FIG. 5, and searches for and updates records within the tables. The signature assignment unit 13 assigns the digital signature of a trust-certified stakeholder involved in the transaction process to a contract file, etc.

[0037] The program may be provided by being pre-installed in a ROM or the like, or by being recorded on a readable recording medium as an installable or executable file, or may be provided or distributed by being stored on a computer connected to a network and downloaded via the network.

[0038] The auxiliary storage device 10 (storage unit) stores data including the matching results by the matching unit 11 in a table 14 and a contract file 15. The table 14 stores records related to the properties and stakeholders associated with each contract. The contract file 15 includes the contracts exchanged in each transaction process for each property, the identity verification documents of the stakeholders, etc. The auxiliary storage device 10 may be realized as an internal storage or as an external storage such as a HDD or SSD.

[0039] Next, the structure of the database provided in the real estate buying and selling platform will be described. In this embodiment, as an example, the description will be given on the assumption that the database of the real estate buying and selling platform is constructed as a relational database.

[0040] Figure 5 is a diagram showing the relationship between tables managed in the auxiliary storage device 10 of the trust management server 3. As shown in Figure 5, the table of the property that is the subject of the transaction and the tables of all stakeholders are linked to a common contract table. Note that in Figure 5, the lines connecting each table are basically 1:1, but if the seller is a landlord or the like, he or she may own multiple properties, so the lines connecting the seller table and the property table are not limited to 1:1. Also, Figure 5 assumes that the seller and buyer use the same real estate brokerage, but the seller's real estate brokerage and the buyer's real estate brokerage may also be different.

[0041] The seller and buyer tables contain records of personal information such as name and address, as well as trust-certified flags and transaction counts. The trust-certified flag indicates that identity verification using identification documents, as described in Figure 2. The transaction count refers to the number of real estate transactions conducted using the real estate transaction app, as described in Figure 3. The purpose of recording the transaction count is to create a whitelist based on trust-certification results, allowing, for example, the system to skip the verification process for future transactions if trust-certification is confirmed. The real estate broker and judicial scrivener tables, like the seller and buyer tables, contain records of personal information, trust-certified flags, transaction counts, and license information. The real estate brokerage firm table contains records of personal information such as corporate number, real estate license information, trust-certified flags, and transaction counts. The property table contains records of address, property summary, and matching results with registration information.

[0042] The contract table contains records related to the status of each transaction process, such as agency contract, viewing, advance mortgage application, purchase application, explanation of important matters, judicial scrivener consultation, sales contract, actual mortgage application, screening result confirmation and notification, loan agreement / mortgage contract, loan execution, transfer, transfer confirmation, cancellation registration application, ownership transfer registration application, etc. When a specific transaction process is executed, the record of the status of the specific transaction process in the table is updated to "executed" through collaboration with the real estate sales transaction app.

[0043] Each table also has its own ID set as the primary key. For example, the seller table has the seller ID defined as the primary key. This means that even if two people have the same name, they can be classified as different people if their seller IDs are different. Furthermore, in the contract table, in addition to the contract ID, the IDs of each table are set as foreign keys.

[0044] Here, since it is difficult to manage all information related to real estate buying and selling transactions in a table, information such as contract files other than the information explained in Fig. 5 is managed in separate folders. Fig. 6 is a diagram showing an example of files (contract documents) temporarily stored in each folder in the auxiliary storage device 10 of the trust management server 3.

[0045] As shown in Figure 6, the large folder named "Contract File" contains medium folders for seller list, buyer list, real estate agent list, real estate brokerage business list, judicial scrivener list, and property list. Each medium folder for list contains small folders that store information about all stakeholders involved in the transaction that has been registered and trusted on the real estate buying and selling platform, as well as information about the property.

[0046] The medium folder for the seller list contains small folders for each seller ID, such as Seller A, Seller B, etc. The small folders for each seller ID store files such as ID cards, My Number card information, and seal certificates that represent the personal information registered by each seller and used for trust certification.

[0047] The middle folder for the buyer list contains small folders for each buyer ID, such as Buyer A, Buyer B, etc. The small folders for each buyer ID store not only the personal information registered by each buyer and used for trust certification, such as the ID card, My Number information, and seal certificate, but also all files required for each procedure in a real estate purchase and sale transaction, such as income verification documents, withholding slips, resident tax determination notices, final tax returns, tax payment certificates, resident registration cards, payment methods, loan screening results, transfer completion notices, savings account passbooks, and resumes.

[0048] The medium folder for the list of real estate agents contains subfolders for each real estate agent ID, such as Real Estate Agent A, Real Estate Agent B, etc. The subfolders for each real estate agent ID store files such as the ID card, My Number information, and seal certificate that represent the personal information registered by each real estate agent and used for trust certification, as well as real estate license and license expiration date information.

[0049] The medium folder for the list of real estate agents contains small folders for each real estate agent ID, such as Real Estate Agent A, Real Estate Agent B, etc. The small folders for each real estate agent ID also store files such as a copy of the registry showing the personal information registered by each real estate agent and used for trust certification, a corporate seal certificate, a real estate license, license expiration date information, and administrative sanction history.

[0050] The medium folder for the list of judicial scriveners contains subfolders for each judicial scrivener ID, such as Judicial Scrivener A, Judicial Scrivener B, etc. The subfolders for each judicial scrivener ID store files such as ID cards, My Number information, and seal certificates that represent the personal information registered by each judicial scrivener and used for trust certification, as well as official seal certificates and judicial scrivener membership cards.

[0051] The middle folder for the property list contains subfolders for each property ID, such as Property A, Property B, etc. The subfolders for each property ID store various files that make up the property information required for real estate sales transactions, such as agency agreements, registered title deeds, registry information, detailed site drawings, land readjustment, appraised value, advertising activity reports, fixed asset valuation certificates, registration identification information, management regulations, property status reports, loan certificates, sale consents, registration cause certification information, power of attorney, power of attorney for cancellation of registration, power of attorney for transfer of ownership registration, loan agreement and mortgage agreement, sales agreement, payment certificate, registration application form (cancellation / transfer), etc.

[0052] Next, specific processing in the real estate buying and selling platform when authenticating the identity of each stakeholder will be described with reference to FIGS.

[0053] Fig. 7 is a flowchart showing the processing in the real estate buying and selling platform when the seller performs trust certification. First, when the seller inputs personal information into the real estate buying and selling transaction application, the communication I / F 5 of the real estate buying and selling platform shown in Fig. 4 receives the input information via the application server 2 (step S101). Next, the table management unit 12 of the real estate buying and selling platform shown in Fig. 4 searches for records in the seller table shown in Fig. 5 (step S102) and determines whether or not a record exists (step S103). If it is determined that the record does not exist, this is the seller's first attempt at trust certification, so the table management unit 12 creates a new seller ID (step S104).

[0054] Next, the communication I / F 5 receives the read information of the IC chip embedded in the seller's identification card from the application server 2. Here, the seller may read the IC chip of the identification card using a short-range wireless communication function or the like installed on his / her smartphone, or the seller may go to a real estate agent's store or the like and read it using a dedicated device. If a PIN number is required when reading the IC chip, the seller enters the PIN number himself / herself.

[0055] If the identification document to be read is a My Number Card, the communication I / F 5 acquires the four basic pieces of information contained in the digital signature certificate, namely, namely, name, address, gender, and date of birth (step S105). The communication I / F 5 then requests the J-LIS public information server 4 to verify the validity of the digital signature certificate (step S106), and the J-LIS public information server 4 transmits the verification result of the digital signature certificate to the real estate buying and selling platform. If the digital signature certificate is valid, the verification unit 11 of the real estate buying and selling platform shown in FIG. 4 verifies whether the input information of the personal information received in step S101 matches the read information acquired in step S105 (step S107). Here, if the validity of the property information is also confirmed when the seller's trust is certified, the details will be described later using Figure 12, but the property information entered by the seller is also compared with the registration information, for example, to see if the seller's name matches the name in the owner's column of the registry.

[0056] Furthermore, if the identification document to be read is a driver's license, the communication I / F 5 acquires the registered domicile, name, address, and facial photograph as personal information (step S108). Then, the communication I / F 5 requests the local government's public information server 4 to verify the validity of the personal information (step S109), and the local government's public information server 4 transmits the verification result of the personal information to the real estate buying and selling platform. If the personal information is valid, the verification unit 11 of the real estate buying and selling platform verifies whether the input information of the personal information received in step S101 matches the read information acquired in step S108 (step S107).

[0057] Furthermore, if the identification document to be read is a passport, the communication I / F 5 acquires the name, nationality, date of birth, passport number, and facial photograph as personal information (step S110). In the case of a passport, the collating unit 11 collates whether or not the input information of the personal information received in step S101 matches the read information acquired in step S110, without requesting verification from the public information server 4 (step S107). Note that the identification document used for trust certification is not limited to a My Number card, a driver's license, and a passport, but may also be a residence card, etc.

[0058] If it is determined in step S107 that the input information and the read information do not match, there is a possibility that the seller is impersonating someone else, so the table management unit 12 updates the trust certified flag of the record linked to the seller ID to "0" (step S111) and terminates the trust certification process.

[0059] On the other hand, if it is determined in step S107 that the input information and the read information match, the authenticity of the seller is guaranteed, so the table management unit 12 links the seller ID to the personal information and updates the trust certified flag to "1" (step S112). Next, the table management unit 12 increments the value of the number of transactions in the record linked to the seller ID (step S113), and ends the trust certification process.

[0060] If it is determined in step S103 that the record exists, the seller has attempted trust certification in the past, so the table management unit 12 checks the trust certification flag of the record linked to the seller ID (step S114). If the trust certification flag is "0", the seller has already been determined to be a possible impersonator, so the trust certification process is terminated.

[0061] If the trust-proven flag is "1," the authenticity of the seller is already guaranteed, and therefore verification of personal information using an ID card is skipped. In this case, in step S113, the value of the number of transactions in the record linked to the seller ID is incremented. The number of transactions in the seller table increases each time the seller conducts a real estate transaction using the real estate transaction app, so the more transactions a seller has, the more proven and trustworthy the seller can be considered to be. In the flowchart of Figure 7, if the trust-proven flag is "1," verification of personal information is skipped regardless of the number of transactions.

[0062] Figure 8 is a flowchart showing the processing in the real estate buying and selling platform when the buyer certifies trust. When the buyer certifies trust, the same processing is basically carried out as when the seller certifies trust as shown in Figure 7. However, in the case of the buyer, there is no need to confirm the validity of the property information, so in step S207, only a comparison is made to see if the input information of the personal information matches the read information.

[0063] FIG. 9 is a flowchart showing the processing in the real estate buying and selling platform when a real estate agent certifies trust. When a real estate agent certifies trust, not only is personal information verified, but data from the real estate license is also verified. The processing related to verifying personal information is basically the same as when the seller shown in FIG. 7 or the buyer shown in FIG. 8 certifies trust. However, in the case of a real estate agent, if it is determined in step S307 that the input information and the read information of the personal information match, the table management unit 12 links the personal information to the real estate agent ID and updates the personal information inquiry flag (step S312). At this stage, the trust verification flag is not updated, and data verification of the real estate license continues (steps S313 to S317).

[0064] First, the table management unit 12 registers the input data such as the name and real estate license number received in step S301 in the record linked to the real estate agent ID (step S313). Next, the communication I / F 5 acquires the real estate license number, etc., which serves as a transanchor, from the public information server 4 of the real estate agent search system managed by the Ministry of Land, Infrastructure, Transport and Tourism based on the real estate agent's name, etc. Then, the collation unit 11 matches the input information such as the real estate license number with the transanchor (step S314).

[0065] In step S314, if the real estate license number etc. do not match, there is a possibility that the real estate agent is an impersonator, so the table management unit 12 updates the trust certified flag of the record linked to the real estate agent ID to "0" (step S311) and terminates the trust certification process.

[0066] On the other hand, if the real estate license number etc. match in step S314, the collation unit 11 checks whether the real estate license is within its expiration date (step S315). If it is not within its expiration date, the real estate agent is deemed unlicensed, and the table management unit 12 updates the trust-certified flag of the record linked to the real estate agent ID to "0" (step S311) and terminates the trust certification process. If it is within its expiration date, the authenticity of the real estate agent is guaranteed, and the table management unit 12 updates the trust-certified flag of the record linked to the real estate agent ID to "1" (step S316). Furthermore, the table management unit 12 increments the value of the number of transactions in the record linked to the real estate agent ID (step S317) and terminates the trust certification process.

[0067] If the record is determined to be "existent" in step S303, the real estate agent has attempted trust certification in the past, so the table management unit 12 checks the trust certified flag of the record linked to the real estate agent ID (step S318). If the trust certified flag is "0," the real estate agent has already been determined to be a potential impersonator, so the trust certification process is terminated. On the other hand, if the trust certified flag is "1," the matching of personal information using an identification card is skipped. However, even if the trust certified flag is "1," matching of real estate license data is performed every time a real estate transaction is made, so transactions will not be made with an expired real estate license, ensuring legitimate transactions.

[0068] 10 is a flowchart showing the processing in the real estate trading platform when a real estate agent performs trust certification. First, when a real estate agent inputs personal information into a real estate trading transaction app, the communication I / F 5 of the real estate trading platform receives the input information via the application server 2 (step S401). Next, the table management unit 12 of the real estate trading platform searches for records in the real estate agent table shown in FIG. 5 (step S402) and determines whether or not a record exists (step S403). If it is determined that the record does not exist, this will be the first time that the real estate agent attempts trust certification, so the table management unit 12 creates a new real estate agent ID (step S404).

[0069] Next, the table management unit 12 registers the input data received in step S401, such as the corporation number, administrative disposition history, registration information, and real estate license number, in the record linked to the real estate agent ID (step S405).

[0070] The communication I / F 5 acquires the corporate number to be the transanchor from the public information server 4 of the corporate number publication site managed by the National Tax Agency based on the real estate brokerage business name, etc. Then, the collation unit 11 checks the input information of the corporate number against the transanchor (step S406).

[0071] Furthermore, the communication I / F 5 acquires the administrative sanction history, which serves as a transanchor, from the public information server 4 of the negative information search site managed by the Ministry of Land, Infrastructure, Transport and Tourism, based on the real estate brokerage business name, etc. Then, the collation unit 11 matches the input information of the administrative sanction history with the transanchor (step S407).

[0072] Furthermore, the communication I / F 5 acquires the registration information to be the transanchor from the public information server 4 of the registration information providing service managed by the Ministry of Justice based on the real estate brokerage business name, etc. Then, the collation unit 11 checks the input information of the registration information against the transanchor (step S408).

[0073] Furthermore, the communication I / F 5 acquires a real estate license number, which serves as a transanchor, from the public information server 4 of the search system for real estate agents managed by the Ministry of Land, Infrastructure, Transport and Tourism, based on the real estate agent name, etc. Then, the collation unit 11 checks the input information of the real estate license number against the transanchor (step S409).

[0074] If any of the results of the checks in steps S406 to S409 do not match, the table management unit 12 updates the trust certified flag of the record linked to the real estate agent ID to "0" (step S410), and ends the trust certification process.

[0075] On the other hand, if all the information matches in step S409, the collation unit 11 checks whether the real estate license is still valid (step S411). If the license is not still valid, the table management unit 12 updates the trust-certified flag of the record linked to the real estate brokerage business ID to "0" (step S410) and ends the trust certification process. If the license is still valid, the table management unit 12 updates the trust-certified flag of the record linked to the real estate brokerage business ID to "1" (step S412). Furthermore, the table management unit 12 increments the value of the number of transactions in the record linked to the real estate brokerage business ID (step S413) and ends the trust certification process.

[0076] If it is determined in step S403 that a record exists, the table management unit 12 checks the trust-certified flag of the record linked to the real estate brokerage business ID (step S414). If the trust-certified flag is "0", the trust certification process is terminated. On the other hand, if the trust-certified flag is "1", the verification of personal information is skipped. However, even if the trust-certified flag is "1", the verification of real estate license data is performed for each real estate purchase and sale transaction, so transactions will not be conducted if the real estate license has expired, ensuring that the transaction is legitimate.

[0077] Fig. 11 is a flowchart showing the processing in the real estate buying and selling platform when a judicial scrivener certifies trust. When a judicial scrivener certifies trust, not only is personal information verified, but registered data as the judicial scrivener is also verified. The processing related to verifying personal information is basically the same as when a seller shown in Fig. 7, a buyer shown in Fig. 8, or a real estate agent or the like shown in Fig. 9 certifies trust. Next, registered data as the judicial scrivener is verified (steps S513 to S516).

[0078] First, the table management unit 12 registers the input data such as the name and the name of the judicial scrivener association received in step S501 in the record linked to the judicial scrivener ID (step S513). Next, the communication I / F 5 acquires the registration items to be the trans anchor from the public information server 4 of the judicial scrivener search site managed by the Japan Federation of Judicial Scrivener Associations based on the judicial scrivener's name, etc. Then, the collation unit 11 matches the input information such as the judicial scrivener's name with the trans anchor (step S514).

[0079] In step S514, if the registration information for the judicial scrivener does not match, there is a possibility that the judicial scrivener is being impersonated, so the table management unit 12 updates the trust certified flag of the record linked to the judicial scrivener ID to "0" (step S511) and terminates the trust certification process.

[0080] On the other hand, if the registered information for the judicial scrivener is consistent in step S514, the authenticity of the judicial scrivener can be guaranteed, and the table management unit 12 updates the trust certified flag of the record linked to the judicial scrivener ID to "1" (step S515). Furthermore, the table management unit 12 increments the value of the number of transactions of the record linked to the judicial scrivener ID (step S516), and ends the trust certification process.

[0081] If the record is determined to be "present" in step S503, the judicial scrivener has attempted trust certification in the past, so the table management unit 12 checks the trust certified flag of the record linked to the judicial scrivener ID (step S517). If the trust certified flag is "0", the judicial scrivener has already been determined to be a potential impersonator, so the trust certification process is terminated. On the other hand, if the trust certified flag is "1", the matching of personal information using an identification card is skipped.

[0082] Next, we will explain the specific process when the real estate trading platform provides validity information for real estate trading transactions. Specifically, we will explain the authenticity verification of information related to the transaction using Figures 12 and 13, and the verification of the transaction process using Figure 14.

[0083] 12 is a flowchart showing the processing in the real estate buying and selling platform when validating the property information entered by the seller. First, when the seller enters new property information in the real estate buying and selling transaction app, the communication I / F 5 of the real estate buying and selling platform acquires the input information via the application server 2 (step S601). Next, the table management unit 12 of the real estate buying and selling platform creates a new property ID and registers the input information acquired in step S601 in the record linked to the property ID (step S602).

[0084] Thereafter, the communication I / F 5 receives the registration information to be the transanchor from the public information server 4 of the registration information providing service managed by the Ministry of Justice based on the input information (address, etc.) of the property (step S603). Then, the matching unit 11 matches the input information of the property information with the transanchor, and the table management unit 12 registers the matching result in the record linked to the property ID (step S604).

[0085] Furthermore, the communication I / F 5 receives "information on various restrictions" from the public information server 4 of the system managed by the local government based on the input information of the property (step S605). Then, the table management unit 12 registers the received "information on various restrictions" in the record linked to the property ID (step S606).

[0086] The matching results registered in step S604 and the "information regarding various restrictions" registered in step S606 are sent to the application server 2 via the communication I / F 5 and linked to the real estate buying and selling transaction application (step S607).

[0087] The above-described process shown in FIG. 12 allows other stakeholders to confirm the validity of the property information presented by the seller.

[0088] 13 is a flowchart showing the processing in the real estate trading platform when the validity of the price appraised by the real estate brokerage is to be verified. First, when the real estate brokerage enters the appraised price for a property in the real estate trading transaction app, the communication I / F 5 of the real estate trading platform acquires the appraised price via the application server 2 (step S701). Next, the table management unit 12 of the real estate trading platform registers the appraised price acquired in step S701 in the record linked to the property ID (step S702).

[0089] Thereafter, the communication I / F 5 receives market price information for the real estate to be the transanchor from a public information server 4, such as the Land Comprehensive Information System managed by the Ministry of Land, Infrastructure, Transport and Tourism, based on the address of the record linked to the property ID (step S703). The collation unit 11 then compares the assessed price with the market price, and the table management unit 12 registers, for example, the price difference as the comparison result in the record linked to the property ID (step S704). If the price difference is greater than a certain amount, it can be determined that the assessed price is not appropriate. Note that only the determination result as to whether the assessed price is appropriate or not may be registered in the record linked to the property ID.

[0090] Next, specific processing in the real estate buying and selling platform when validating the transaction process will be described with reference to Fig. 14. Fig. 14 is a flowchart showing the processing when the real estate buying and selling platform updates the status of each transaction process.

[0091] First, when a predetermined transaction process occurs in the real estate transaction application, the communication I / F 5 of the real estate transaction platform receives transaction occurrence information via the application server 2 (step S801). Next, the table management unit 12 of the real estate transaction platform searches for a record in the contract table shown in Fig. 5 (step S802) and determines whether or not the record exists (step S803).

[0092] If it is determined that there is no record, the table management unit 12 creates a new contract ID (step S804). Next, the table management unit 12 registers the related stakeholders (seller ID, buyer ID, real estate agent ID, real estate brokerage business ID, and judicial scrivener ID) and the property (property ID) in the record linked to the contract ID (step S805). Furthermore, the table management unit 12 updates the status of the target transaction process linked to the contract ID to "completed," and the signature assignment unit 13 shown in FIG. 4 assigns the electronic signatures of the trust-certified stakeholders involved in the target transaction process (for example, the seller and real estate brokerage business in the case of an intermediation contract) to the contract file, etc. (step S806).

[0093] If it is determined in step S803 that a record exists, the corresponding contract ID already exists and the related stakeholders etc. have already been registered, so steps S804 and S805 are skipped and step S806 is executed.

[0094] The above process shown in Figure 14 is repeated for the same contract ID each time the transaction process progresses, making it possible to visualize to what stage the transaction process has been completed. This allows each stakeholder to confirm whether the specified transaction process is being executed at the appropriate time. In addition, since each transaction process is digitally signed by the stakeholders involved, it is possible to prove the authenticity of each transaction process.

[0095] According to the present embodiment described above, it is possible to ensure the authenticity of the stakeholders as well as the reliability of the transaction content itself, and to electronically share information among all stakeholders, thereby achieving both safety and convenience in real estate buying and selling transactions.

[0096] In this embodiment, the stakeholders are described as sellers, buyers, real estate agents, real estate brokers, and judicial scriveners, but are not limited to these. For example, a bank that conducts mortgage screening may also be included as a stakeholder. This is because, although a bank is not in a position to certify its own trustworthiness, it is in a position to verify the identities of other stakeholders and confirm whether the transaction content itself and the transaction process are appropriate. According to this embodiment, banks can make accurate lending decisions by not only relying on information such as sales contracts provided by real estate brokers, but also taking into account information such as whether the assessed price deviates from the market price and whether important matters have been explained. Furthermore, transactions are not limited to real estate purchases and sales, and may include real estate rentals. In this case, lenders and borrowers are also included as stakeholders. [Explanation of symbols]

[0097] 1...user terminal, 2...application server, 3...trust management server, 4...public information server, 5...communication I / F, 6...input device, 7...output device, 8...arithmetic unit, 9...main memory device, 10...auxiliary memory device, 11...collation unit, 12...table management unit, 13...signature unit, 14...table, 15...contract file

Claims

1. a communication unit that receives personal information input by a plurality of stakeholders involved in a real estate purchase and sale transaction in different positions, and receives authentic information of the personal information from a public information server; a verification unit that verifies the input information of the personal information with authentic information; a storage unit that stores a collation result by the collation unit; A trust management device comprising:

2. 2. The trust management device according to claim 1, the communication unit receives the personal information from an application server that transmits and receives information for real estate buying and selling transactions to and from the stakeholder's terminal; The memory unit records a trust-certified flag when the input information of the personal information matches the authentic information, and the number of transactions is incremented when a real estate purchase and sale transaction is executed.

3. 3. The trust management device according to claim 2, A trust management device in which, if the trust-certified flag is recorded, the verification of the personal information is skipped.

4. 2. The trust management device according to claim 1, In the case of a stakeholder who is required to hold a license or qualification in order to carry out his / her business, the verification unit is a trust management device that not only verifies the personal information but also verifies license information.

5. 2. The trust management device according to claim 1, the communication unit receives property information from an application server that transmits and receives information for real estate buying and selling transactions between the terminals of stakeholders including the seller, The collating unit is a trust management device that collates at least the property information with registration information received from the public information server.

6. 2. The trust management device according to claim 1, The communication unit receives the assessed price from an application server that transmits and receives information for real estate buying and selling transactions between the terminals of stakeholders including real estate brokerage businesses, and The collation unit is a trust management device that compares at least the assessed price with market price information of real estate received from the public information server.

7. 3. The trust management device according to claim 2, A trust management device in which, when a predetermined transaction process is executed by the stakeholder for which the trust-certified flag is recorded, the status of the transaction process is recorded as executed in the memory unit.

8. 8. The trust management device according to claim 7, a signature assigning unit that assigns an electronic signature of the stakeholder who is involved in the transaction process and for whom the trust-certified flag is recorded; The trust management device stores data of the transaction process to which an electronic signature has been assigned by the signature assignment unit in the storage unit.

9. A trust management method by a trust management device, A step of accepting personal information input by a plurality of stakeholders involved in a real estate buying and selling transaction in different positions; receiving authentic information of the personal information from a public information server; A step of verifying the input information of the personal information with authentic information; A trust management method comprising:

10. The trust management device is a computer. A step of accepting personal information input by a plurality of stakeholders involved in a real estate buying and selling transaction in different positions; receiving authentic information of the personal information from a public information server; A step of verifying the input information of the personal information with authentic information; A program that executes the following.

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