System and method for bi-directional gain management in online real estate transaction matching

Abstract

This invention discloses an online real estate transaction matching two-way benefit management system and its execution method, providing a management platform for real estate matching transactions via the Internet. The management method includes steps such as assessing real estate value, establishing transaction target information, establishing seller information, establishing buyer information, establishing real estate demand information, matching, transmitting messages, determining purchase intention, and signing a contract. Before executing the matching step, the valuation bank first assesses the value of the real estate and determines the loanable amount. The buyer assesses their financial capacity based on the loanable amount, avoiding the problem of the buyer being unable to fulfill the contract and improving the efficiency of real estate transactions.

Description

[Technical Field]

[0001] This invention relates to the field of real estate transaction matching, and in particular to an online real estate transaction matching two-way gain management system and management method. [Previous Technology]

[0002] In current real estate transactions, intermediary agencies are often used to facilitate the transactions. The seller of the real estate provides relevant information about the real estate to the intermediary agency, entrusting the agency to publish the real estate information and handle the sale. The buyer who intends to purchase the real estate finds suitable real estate through the intermediary agency and entrusts the agency to handle the purchase. Both the buyer and seller reduce the burden in the real estate transaction process through the intermediary agency's matchmaking service.

[0003] Before arranging a real estate transaction, the real estate agent assesses the value of the property and suggests it to the seller as a reference for pricing the property. During the real estate transaction, the seller expects to sell the property at a higher transaction price, while the buyer expects to obtain a lower transaction price through negotiation. Price becomes an important factor affecting real estate transactions.

[0004] After the buyer and seller reach a consensus on the price of the real estate and sign the real estate transaction contract, part of the buyer needs to use the real estate as collateral to obtain a loan from a bank or other financial institution based on considerations of fund utilization or financial planning, so as to complete the transaction. Before the financial institution approves the loan, it needs to assess the value of the real estate used as collateral as the basis for determining the loan amount.

[0005] Real estate appraisers typically use the condition of the property as a reference, taking into account the market transaction prices of other properties with similar or identical conditions, as a basis for assessing the property's value. However, the appraiser's subjective opinion inevitably influences the judgment of the property's value. Factors such as the appraiser's own conditions, nature, and policy orientation often lead to different appraisal results for the same property from different institutions. The value assessed by the real estate broker before the transaction begins, and the value assessed by the financial institution after the transaction is successfully matched, often show discrepancies. Given the consistent circumstances, coupled with changes in external environmental conditions such as the real estate market climate and government policies, the longer the time it takes for a property to be put on the market for matching and for a transaction contract to be completed, the greater the difference in the property's value assessed by the real estate agent and the financial institution at different points in time may be. If, when the buyer applies for a loan from the financial institution, due to the aforementioned difference in the property's value assessment, the buyer is unable to obtain a loan sufficient to complete the transaction contract, resulting in the buyer being unable to pay the full price of the property, and the real estate matching transaction failing to be completed. This causes a waste of time for both the buyer and seller, as well as the real estate agent. [Summary of the Invention]

[0006] The main objective of this invention is to provide an online real estate transaction matching two-way gain management system and management method.

[0007] To achieve the aforementioned objectives, the present invention adopts the following technical solution:

[0008] An online real estate transaction matching two-way gain management system, providing managers with the ability to manage real estate matching transactions via the Internet, mainly composed of electronic circuits, including:

[0009] A real estate source module, mainly composed of read and write memory media, is used to record the transaction target information of the real estate property to be traded. The transaction target information includes the condition characteristics of the real estate property, the valuation of the real estate property by a valuation bank, the loan amount available, the valuation and the validity period of the valuation and the loan amount available, and the pricing of the real estate property.

[0010] A seller database, mainly composed of readable and writable memory media, is used to record the seller information of the sellers selling the real estate property. The seller database is connected to the real estate source module, and the transaction target information is correspondingly bound to the seller information.

[0011] A buyer demand module, mainly composed of read and write memory media, is used to record the real estate demand information of buyers who want to purchase real estate properties;

[0012] A buyer database, mainly composed of readable and writable memory media, is used to record the buyer's information. The buyer database is connected to the buyer demand module, and the real estate demand information is correspondingly bound to the buyer information.

[0013] A processing unit, mainly composed of a microprocessor, is connected to the real estate source module, the buyer demand module and the buyer database;

[0014] A transmission module is an electronic signal bidirectional transmitter. The transmission module is connected to the processing unit and the Internet. The processing unit transmits messages to at least one seller device, at least one buyer device and at least one bank device through the transmission module.

[0015] The processing unit runs an application program to selectively match the transaction target information based on the real estate demand information and the buyer information, thereby generating matching information. The matching information is transmitted to the buyer corresponding to the buyer information through the transmission module. The processing unit determines whether the buyer agrees to purchase the real estate property corresponding to the matching information based on the message transmitted by the buyer's terminal device. The processing unit transmits transaction information to the buyer who agrees to purchase and the seller who sells the real estate property, thereby enabling the buyer and the seller to sign a real estate transaction contract.

[0016] A management method executed using the aforementioned online real estate transaction matching two-way gain management system, the management method being used to manage online real estate transaction matching, comprising the following steps executed sequentially:

[0017] Assessment of real estate value: The valuation bank assesses the value of the real estate property, and makes the valuation, the loan amount and the validity period of the valuation accordingly;

[0018] Establish transaction target information: Based on the seller's authorization, the management party inspects the real estate property that the seller intends to sell, records the condition characteristics of the real estate property, and the seller uses the valuation as a reference for setting the price of the real estate property. Accordingly, the transaction target information corresponding to the real estate property is established in the real estate source module. The transaction target information includes the price, the valuation, the loan amount available, and the valuation validity period.

[0019] Establish seller information: Based on the seller's authorization, the management establishes the seller information, and the transaction target information is linked to the seller information of the seller who sold the real estate property;

[0020] Establish buyer information: The management establishes buyer information for the buyer based on the buyer's authorization;

[0021] Establish real estate demand information: Based on the buyer's demand conditions for purchasing real estate, establish real estate demand information, and bind the real estate demand information to the buyer information. The real estate demand information includes demand condition characteristics.

[0022] Matching: Based on the buyer information and the real estate demand information bound to it, the information of the transaction target is compared and filtered, and matching information is generated based on the filtering results;

[0023] Message transmission: Transmitting the transaction target information and its pricing to the buyer corresponding to each of the matching information;

[0024] Determine purchase intention: Based on the buyer's feedback, determine whether the buyer has the intention to purchase the real estate property described in the transaction information. If the buyer has the intention to complete the transaction, proceed to the next step; if the buyer does not have the intention to complete the transaction, return to the matching step.

[0025] Signing the contract: Based on the buyer's intention to complete the transaction, the management sends a successful matchmaking message to both the seller and the buyer, and signs a real estate transaction contract with both the seller and the buyer.

[0026] The present invention uses the valuation bank to assess the value of the real estate property, and accordingly makes the valuation, the loan amount and the valuation period. The buyer can rely on the fact that he / she can obtain a mortgage loan of the loan amount from the valuation bank, and assess whether his / her financial resources are sufficient to complete the transaction contract. This avoids the problem that the buyer is unable to fulfill the contract due to the inability to pay the full price of the real estate, and improves the efficiency of real estate transactions.

Implementation Method

[0028] Please refer to Figures 1 and 2, which are preferred embodiments of the present invention. However, these embodiments are for illustrative purposes only and are not limited to this structure in patent applications.

[0029] As shown in Figure 1, the online real estate transaction matching two-way gain management system 01 provides a management party with the ability to manage real estate matching transactions through the Internet 02. It is mainly composed of electronic circuits, including a real estate source module 10, a seller database 20, a buyer demand module 30, a buyer database 40, a processing unit 50, and a transmission module 60. The real estate source module 10, the seller database 20, the buyer demand module 30, and the buyer database 40 are each composed of read and write memory media. The real estate source module 10 is used to record the transaction target information of the real estate property to be traded. The transaction target information includes the condition characteristics of the real estate property, the valuation of the real estate property by an appraisal bank, the loan amount that the appraisal bank can lend with the real estate property as collateral, the valuation and the validity period of the valuation and the loan amount, and the pricing of the real estate property.

[0030] The loan amount is the amount of mortgage loan that the valuation bank promises to make during the effective period of the valuation, based on the real estate as collateral.

[0031] Specific examples of such conditions include, but are not limited to, the geographical location, area, building age, layout, transportation convenience and landscape of the real estate property. The scope of the survey of the real estate property may be selected as needed, including the property ownership status, whether there is a lease relationship or occupation by others, whether there is any alteration or illegal construction, whether the real estate property needs to be repaired and the scope of repair, and the current situation of the surrounding environment and neighbors.

[0032] The seller database 20 is used to record the seller information of the seller who sells the real estate property. The seller database 20 is connected to the real estate source module 10. The transaction target information is bound to the seller information. The seller can be the owner of the real estate property, or the seller can be an agent entrusted or instructed by the owner to handle the sale of the real estate property. The agent includes, but is not limited to, real estate brokers.

[0033] The buyer demand module 30 is used to record the real estate demand information of the buyer who wants to purchase real estate properties. The real estate demand information is set by the management based on the buyer's intention to purchase real estate properties, and includes the conditions and characteristics that the real estate properties that the buyer wants to purchase must have.

[0034] The buyer database 40 is used to record the buyer information. The buyer database 40 is connected to the buyer demand module 30, and the real estate demand information is correspondingly bound to the buyer information.

[0035] The processing unit 50 is mainly composed of a microprocessor 52. The processing unit 50 is connected to the real estate source module 10, the buyer demand module 30 and the buyer database 40.

[0036] The transmission module 60 is a two-way electronic signal transmitter. The transmission module 60 is connected to the processing unit 50 and the Internet 02. The processing unit 50 transmits messages through the transmission module 60 to a seller-side device 03 held by the seller, at least one buyer-side device 04 held by the buyer, and at least one bank-side device 05 held by the bank.

[0037] The processing unit 50 runs an application program to selectively match the transaction target information based on the real estate demand information and the buyer information, thereby generating matching information. The matching information is transmitted to the buyer corresponding to the buyer information through the transmission module 60. The processing unit 50 determines whether the buyer agrees to purchase the real estate property corresponding to the matching information based on the message transmitted by the buyer terminal device 04. The processing unit 50 transmits transaction messages to the buyer who agrees to purchase and the seller who sells the real estate property, thereby enabling the buyer and the seller to sign a real estate transaction contract.

[0038] As shown in Figure 2, the management method executed by the online real estate transaction matching two-way gain management system 01 is used to manage online real estate transaction matching, and includes the following steps executed in sequence:

[0039] Valuation of real estate: The valuation bank assesses the value of the real estate property, and makes the valuation, the loan amount and the validity period of the valuation accordingly.

[0040] Establish transaction target information: Based on the seller's authorization, the management party inspects the real estate property that the seller intends to sell, records the condition characteristics of the real estate property, and the seller uses the valuation as a reference for setting the price of the real estate property. Accordingly, the transaction target information corresponding to the real estate property is established in the real estate source module 10, and the transaction target information includes the price, the valuation, the loan amount available, and the validity period of the valuation.

[0041] Establish seller information: Based on the seller's authorization, the manager establishes the seller information in the seller database 20, and the transaction target information is linked to the seller information of the seller who sold the real estate property.

[0042] Establish buyer information: Based on the buyer's authorization, the management party establishes buyer information for the buyer in the buyer database 40.

[0043] Establish real estate demand information: Based on the buyer's demand conditions for purchasing real estate, establish real estate demand information in the buyer demand module 30, and bind the real estate demand information to the buyer information. The real estate demand information includes demand condition characteristics.

[0044] Matching: Based on the buyer information and the real estate demand information bound to it, the information of the transaction target is compared and filtered, and matching information is generated based on the filtering results.

[0045] Specifically, the matching step is based on the selected demand conditions of the real estate properties described in the real estate demand information. The real estate source module 10 compares and filters the transaction target information that meets the demand conditions and whose pricing is within the price range selected by the buyer. Based on the filtering results, one or more matching information are generated.

[0046] Message transmission: The transaction target information and its pricing are transmitted to the buyer corresponding to each of the matching information, and an authorization code may be issued together, allowing the buyer to view the image of the real estate property corresponding to each of the matching information after verification by the authorization code.

[0047] After receiving the matchmaking information, the buyer can query the transaction information of the real estate property referred to in the matchmaking information through the real estate source module 10, and use this as a reference for the buyer to decide whether to purchase the real estate property. The processing unit 50 restricts the buyer to query only the transaction information referred to in the matchmaking information, which helps the buyer focus on one or more real estate properties that meet their needs and whose prices are within their selected price range, thereby improving the matchmaking success rate. The buyer can choose to use the authorization code to obtain verification and enter the real estate source module 10 to view the image of the real estate property online. The buyer can also choose to go to the location of the real estate property and use the authorization code to conduct an on-site inspection of the current status of the real estate property.

[0048] Determine purchase intention: Based on the buyer's feedback, determine whether the buyer has the intention to purchase the real estate property described in the transaction information. If the buyer has the intention to complete the transaction, proceed to the next step. If the buyer does not have the intention to complete the transaction, return to the matching step.

[0049] Signing the contract: Based on the buyer's intention to complete the transaction, the management sends a successful matchmaking message to both the seller and the buyer, and signs a real estate transaction contract with both the seller and the buyer.

[0050] When performing the step of establishing the transaction target information, it is necessary to first obtain the valuation of the real estate property made by the valuation bank, the loanable amount, and the valuation validity period. The loanable amount is the amount that the valuation bank promises to lend when applying for a loan using the real estate property as collateral during the valuation validity period. If the buyer applies for a loan from the valuation bank using the real estate property referred to in the matching information as collateral during the valuation validity period, and the valuation bank can lend at least as much as the loanable amount, the buyer can confirm the loan amount that the real estate property can obtain in the future through the matching information as a reference to judge whether it is within the scope of their own financial affordability. Therefore, the buyer can reliably obtain a loan from the valuation bank sufficient to complete the transaction contract, avoiding the problem that the buyer cannot fulfill the contract due to the inability to pay the full price of the real estate after the contract signing step is completed, eliminating the waste of time for both the buyer and seller, and improving the efficiency of real estate transactions.

[0051] When performing the step of establishing the transaction target information, the buyer may choose to obtain at least two different valuation banks to assess the value of the real estate property, and make the valuation, the loan amount and the valuation period respectively, so as to provide the buyer with a reference for deciding on the purchase intention based on the matching information.

[0052] The management method may optionally include a verification step, wherein the verification step is performed before the matching step is performed. The verification step compares whether the execution time has not exceeded the valuation validity period. If the execution time has not exceeded the valuation validity period, the matching step can be performed. If the execution time has exceeded the valuation validity period, the matching step is not performed, and a message is sent to notify the seller.

[0053] External environmental conditions that can affect the value of the real estate property often change over time. By performing this verification step, the matching step can be restricted to be performed before the valuation validity period expires. This avoids the risk that the valuation bank's valuation of the real estate property may change after the valuation validity period expires, thereby avoiding the valuation bank's refusal to execute the mortgage loan with the available loan amount, which would affect the performance of the contract. This improves the efficiency of real estate transaction matching.

[0054] The buyer information may further include a credit line granted to the buyer by a lending bank and the validity period of the credit line.

[0055] The management method further includes a credit assessment step, wherein the credit assessment step is performed before the buyer information establishment step. The credit assessment step is performed by a lending bank to assess the buyer's financial condition and debt repayment ability and make a loan credit evaluation. The loan credit evaluation includes the lending bank's loan credit limit and the effective period of the credit line to the buyer.

[0056] In the step of establishing buyer information, the manager obtains the verification certificate of the credit bank’s evaluation of the loan credit based on the buyer’s authorization, and the manager establishes the buyer information for the buyer based on the premise that the buyer has set up a credit deposit with the credit bank. The buyer information includes the loan credit limit and the validity period of the credit.

[0057] The matching step can further use the loan credit limit stated in the buyer information as a screening condition, and the real estate source module compares and screens the transaction target information that meets the demand conditions and is priced within the loan credit limit, and generates the matching information based on the screening results.

[0058] This verification step can further compare whether the execution time has not exceeded the credit validity period of the loan credit assessment, and verify whether the credit deposit is still in existence. If the execution time has not exceeded the credit validity period of the loan credit assessment and the credit deposit is still in existence, the matching step can be continued. If the execution time has exceeded the credit validity period of the loan credit assessment or the credit deposit is not still in existence, the matching step is not executed, and a message is sent to notify the buyer.

[0059] In the step of determining the purchase intention, when it is determined that the buyer has the intention to purchase based on the feedback information of the buyer, the administrator notifies the lending bank to restrict the transfer of the credit deposit. In the step of executing the contract signing, the credit deposit is transferred to a performance guarantee account as the buyer's performance guarantee.

[0060] The term "valuation bank" as used in this invention refers to a bank or other financial institution that assesses the value of the real estate and makes the valuation accordingly. The term "credit bank" refers to a bank or other financial institution that assesses the buyer's financial condition and solvency and makes the loan credit line accordingly. "Valuation bank" and "credit bank" are not used to refer to specific banks or institutions. The valuation bank and the credit bank may be the same enterprise or different enterprises. [Simplified Explanation of the Diagram]

[0027] Figure 1 is a system architecture block diagram of a preferred embodiment of the present invention. Figure 2 is a flowchart of a management method of a preferred embodiment of the present invention.

Claims

1. A management method executed using an online real estate transaction matching two-way gain management system; the online real estate transaction matching two-way gain management system provides a management party with the ability to manage real estate matching transactions via the Internet, and is mainly composed of electronic circuits, including: A real estate source module, mainly composed of read / write memory media, is used to record transaction target information of real estate properties to be traded. This transaction target information includes the property's conditional characteristics, an appraisal bank's valuation of the property, the available loan amount, the validity period of the valuation and the available loan amount, and the property's pricing. A seller database, mainly composed of read / write memory media, is used to record seller information of the sellers offering the real estate properties. This seller database is connected to the real estate source module, and the transaction target information is correspondingly bound to the seller information. A buyer demand module, mainly composed of read / write memory media, is used to record real estate demand information of buyers intending to purchase real estate properties. A buyer database, mainly composed of read / write memory media, is used to record buyer information. This buyer database is connected to the buyer demand module, and the real estate demand information is correspondingly bound to the buyer information. A processing unit, mainly composed of a microprocessor, is connected to the real estate source module, the buyer demand module, and the buyer database. A transmission module is a two-way electronic signal transmitter. The transmission module connects the processing unit and the Internet. The processing unit transmits messages to at least one seller's device, at least one buyer's device, and at least one bank's device via the transmission module. The processing unit runs an application that selectively matches transaction information based on real estate demand information and buyer information, generating matching information. This matching information is then transmitted to the buyer corresponding to the buyer's information via the transmission module. Based on the message transmitted by the buyer's device, the processing unit determines whether the buyer agrees to purchase the real estate property corresponding to the matching information. The processing unit then transmits a transaction message to both the buyer who agrees to purchase and the seller of the real estate property, thereby causing the buyer and seller to sign a real estate transaction contract. The management method described above is used to manage online real estate transaction matching and includes the following steps executed sequentially: Real estate valuation: The valuation bank assesses the value of the real estate property, thereby creating the valuation, the loanable amount, and the valuation validity period. Establishing Transaction Target Information: Based on the seller's authorization, the management entity inspects the real estate property the seller intends to sell, records the property's conditional characteristics, and uses the valuation as a reference for setting the property's price. Accordingly, the management entity establishes the corresponding transaction target information for the real estate property in the real estate module. This transaction target information includes the price, valuation, available loan amount, and valuation validity period. Establishing Seller Information: Based on the seller's authorization, the management entity establishes seller information, and the transaction target information is linked to the seller information of the seller selling the real estate property. Establishing Buyer Information: Based on the buyer's authorization, the management entity establishes buyer information for the buyer.Establishing Real Estate Demand Information: Based on the buyer's demand conditions for purchasing real estate, real estate demand information is established and linked to the buyer's information. This real estate demand information includes demand condition characteristics. Matching: Based on the real estate demand information linked to the buyer's information, the information of the transaction target is compared and filtered. Matching information is generated based on the filtering results. Message Transmission: The transaction target information and its pricing are transmitted to the buyer corresponding to each matching information. Determining Purchase Intention: Based on the buyer's feedback, it is determined whether the buyer intends to purchase the real estate described in the transaction target information. If the buyer intends to complete the transaction, subsequent steps are performed; otherwise, the process returns to the matching step. Contract Signing: Based on the buyer's intention to complete the transaction, the management sends a successful matching message to both the seller and the buyer, and signs a real estate transaction contract with both parties.

2. The management method using the online real estate transaction matching two-way gain management system as described in claim 1 further includes a verification step, wherein the verification step is performed before the matching step is performed. The verification step compares whether the execution time has not exceeded the valuation validity period. If the execution time has not exceeded the valuation validity period, the matching step can be performed. If the execution time has exceeded the valuation validity period, the matching step is not performed, and a message is sent to notify the seller.

3. The management method performed using the online real estate transaction matching two-way gain management system as described in claim 1, wherein in the step of establishing transaction target information, at least two valuation banks respectively assess the value of the real estate property and respectively prepare the valuation, the loan amount and the valuation period.

4. The management method implemented using the online real estate transaction matching two-way gain management system as described in claim 1 further includes a credit assessment step, wherein the buyer information includes a credit line granted by a lending bank to the buyer and the validity period of the credit line; before executing the step of establishing buyer information, the credit assessment step is executed first, wherein the credit assessment step is performed by a lending bank to assess the buyer's financial status and debt repayment ability, and to make a credit assessment, wherein the credit assessment includes the credit line granted by the lending bank to the buyer and the validity period of the credit line; in the step of establishing buyer information, the manager obtains the verification certificate of the credit assessment granted by the lending bank based on the buyer's authorization, and the manager establishes the buyer information for the buyer based on the premise that the buyer has set up a credit deposit with the lending bank, wherein the buyer information includes the credit line granted and the validity period of the credit line.

5. The management method performed using the online real estate transaction matching two-way gain management system as described in Request 4, wherein the matching step uses the loan credit limit stated in the buyer information as a screening condition, and the real estate source module compares and filters the transaction target information that meets the requirements and is priced within the loan credit limit, and generates the matching information based on the screening results.

6. The management method implemented using the online real estate transaction matching two-way gain management system as described in claim 5 further includes a verification step, wherein the verification step is performed before the matching step. The verification step compares whether the execution time has not exceeded the credit validity period of the loan credit assessment and verifies whether the credit deposit is still in existence. If the execution time has not exceeded the credit validity period of the loan credit assessment and the credit deposit is still in existence, the matching step can be continued. If the execution time has exceeded the credit validity period of the loan credit assessment or the credit deposit is not still in existence, the matching step is not performed and a message is sent to notify the buyer.

7. The management method implemented using the online real estate transaction matching two-way gain management system as described in claim 5, wherein in the step of determining purchase intention, when it is determined that the buyer has the intention to purchase based on the buyer's feedback information, the manager notifies the lending bank to restrict the transfer of the credit deposit, and in the step of signing the contract, the credit deposit is transferred to a performance guarantee account as the buyer's performance guarantee.

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