Registration assistance device and registration assistance method

Abstract

Provided are a registration support device and a registration support method capable of easily and safely transferring real estate ownership transfer registration and real estate purchase cost with a small time lag.　A registration support device 90 that supports the changing of registration information accompanying the buying and selling of real estate includes: a transfer registration document management unit 160 for receiving owner-side transfer registration document data 161 from an owner-side terminal 21 and receiving buyer-side transfer registration document data 162 from a buyer-side terminal 51; a transfer management unit 180 for transmitting, to a buyer-side financial institution system 330, transfer instruction data 183 for instructing a transfer to an intermediary account; and a registration application management unit 200 for applying for an ownership transfer registration through an online registration system 310 via a communication network using the owner-side transfer registration document data 161 and the buyer-side transfer registration document data 162 when the transfer to the intermediary account has been confirmed by accessing an intermediary financial institution system 340. The transfer management unit 200 transmits intermediary transfer instruction data 187, for instructing a transfer to the account of the owner, to the intermediary financial institution system 340 when the registration application management unit 200 receives information indicating that the application for the ownership transfer registration through the online registration system 310 has been accepted.

Description

Registration support device and registration support method

[0001] The present invention relates to a registration support device and a registration support method for supporting applications for real estate registration.

[0002] Real estate registration refers to the recording of the physical status and rights of real estate, which consists of land and buildings, in a registry for public notice. When selling real estate, the sale price is settled before the transfer of ownership is registered. The transfer of ownership is registered after it is confirmed that the sale price has been received by the owner. Therefore, there is a time lag between the buyer transferring the purchase price and applying for the transfer of ownership registration, which places a heavy burden on the buyer.

[0003] For this reason, for example, Patent Document 1 describes an escrow system that acts as a third-party institution independent of the parties and interested parties in a real estate transaction. The escrow system accepts applications for changes to registration information from the owner and accepts transfers to an escrow account from the buyer's financial institution at the buyer's request. The escrow system then applies online for ownership transfer registration at the owner's request, and after the ownership transfer registration is completed, makes a payment from the escrow account to the owner's account. In this way, the escrow system, as a third-party institution, holds the purchase costs, thereby reducing the buyer's anxiety about paying the full amount for the real estate.

[0004] However, when using an escrow system such as that described in Patent Document 1, the purchase price must be deposited, which typically incurs a relatively high cost. Furthermore, depositing a high purchase price with a third-party institution increases the buyer's anxiety. Furthermore, in the sale and purchase of real estate, if there is a long time lag between the transfer of the purchase price to the owner's account and the actual registration, problems such as the inability to register the property despite the transfer occurring can occur if, for example, a seizure occurs during this time lag.

[0005] For this reason, for example, Patent Document 2 discloses a registration support device that requests the financial institution that transfers the purchase costs to suspend the transfer, performs registration in this suspended state, and requests the financial institution to release the suspension once registration is complete, thereby allowing the transfer to be completed with a small time lag after registration.

[0006] JP 2004-145635 A International Publication No. 2023 / 127974

[0007] The registration support device described in Patent Document 2 requires a request to the financial institution that transfers the purchase fee to suspend the transfer. This requires the addition of a new procedure to the financial institution's system, which poses great difficulties in establishing the configuration of the registration support device.

[0008] The present invention has been made to solve the above-mentioned problems, and aims to provide a registration support device and a registration support method that can easily and safely register the transfer of ownership of real estate and transfer the purchase price of the real estate with a small time lag.

[0009] A registration support device that achieves the above object is a registration support device that supports changes to registration information accompanying the sale and purchase of real estate, and is capable of communicating via a communication network with an owner's terminal used by the owner of the real estate or a person requested by the owner, a buyer's terminal used by the buyer of the real estate or a person requested by the buyer, a buyer's financial institution system of a buyer's financial institution that receives requests from the buyer, an online registration system that accepts real estate registration applications, and an intermediary financial institution system in which an intermediary account has been opened, and receives owner's transfer registration document data necessary for an application for ownership transfer registration prepared by the owner from the owner's terminal, and sends buyer's transfer registration document data necessary for an application for ownership transfer registration prepared by the buyer from the buyer's terminal. a transfer registration document management unit that receives the owner's transfer registration document data and the buyer's transfer registration document data, a transfer management unit that transmits transfer instruction data to the buyer's financial institution system to instruct the transfer to the relay account, and a registration application management unit that, when connecting to the relay financial institution system and confirming the transfer to the relay account, applies for ownership transfer registration to the online registration system via the communication network using the owner's transfer registration document data and the buyer's transfer registration document data, wherein the transfer management unit, when receiving information indicating that the application for ownership transfer registration to the online registration system has been accepted, transmits relay transfer instruction data to the relay financial institution system to instruct the transfer to the owner's account.

[0010] A registration support method for achieving the above object is a registration support method that supports an application for real estate registration to an online registration system by a registration support device connectable to a communication network, and includes the steps of: receiving, from an owner's terminal used by the owner of the real estate or a person requested by the owner, owner-side transfer registration document data necessary for an application for ownership transfer registration prepared by the owner; receiving, from a buyer's terminal used by the buyer of the real estate or a person requested by the buyer, buyer-side transfer registration document data necessary for an application for ownership transfer registration prepared by the buyer; and transferring the data to an intermediary account to a buyer's financial institution terminal used by a buyer's financial institution that receives the request from the buyer. a step of connecting to an intermediary financial institution system in which the intermediary account has been opened and, when the transfer to the intermediary account has been confirmed, applying for ownership transfer registration to the online registration system via the communication network using the owner's transfer registration document data and the buyer's transfer registration document data; and a step of, when information indicating that the application for ownership transfer registration to the online registration system has been accepted is received from the online registration system, sending intermediary transfer instruction data to the intermediary financial institution system instructing the transfer to the owner's account.

[0011] The registration support device and registration support method configured as described above stores the transfer of real estate purchase costs in an intermediary account, and when the ownership transfer registration is accepted by connecting to the online registration system, connects to the intermediary financial institution system and transfers the money from the intermediary account to the buyer's account. Therefore, because the registration support device and registration support method perform registration applications and transfers online, the process from transferring the money to the intermediary account, through the ownership transfer registration, to completing the transfer to the owner's account can be carried out easily and safely with little time lag.

[0012] When the registration application management unit receives information indicating that an application for ownership transfer registration to the online registration system has been rejected, the transfer management unit may transmit refund instruction data to the relay financial institution system instructing the relay financial institution system to transfer a refund to at least one account of the buyer. In this way, if the ownership transfer registration is rejected, the registration support device will refund the money from the relay account to the buyer's account, thereby reducing the burden on the buyer and / or the buyer's financial institution.

[0013] The transfer management unit may transmit the transfer instruction data to the buyer's financial institution system after determining that the data necessary for ownership transfer registration, including the owner's transfer registration document data and the buyer's transfer registration document data, have been collected and that the data necessary for the specified transfer have been collected. This allows the registration support device to transmit the transfer instruction data after determining that the necessary information has been collected, thereby improving the accuracy of the registration and transfer being completed.

[0014] The transfer management unit may transmit the transfer instruction data to the buyer's financial institution system after receiving, from the buyer's terminal, procedure progress instruction data instructing the buyer to proceed with the transfer procedure to the relay account in the buyer's financial institution system. This allows the registration support device to not transmit the transfer instruction data unless it receives procedure progress instruction data from the buyer, thereby improving the security of the transaction.

[0015] The procedure progress instruction data may be data instructing the transfer instruction data to be sent immediately to the buyer's financial institution system, or data reserving the transfer instruction data to be sent to the buyer's financial institution system at a predetermined time. This allows the registration support device to immediately or reserve the transfer at the buyer's instruction, thereby improving convenience.

[0016] The registration support device may be capable of communicating via a communications network with an owner-side creditor terminal used by an owner-side creditor who has a right to prevent the exercise of real estate ownership, and may have a cancellation registration document management unit that receives from the owner-side creditor terminal cancellation registration document data necessary for an application for the cancellation of a registration that prevents the transfer of real estate ownership, prepared by the owner-side creditor, and the registration application management unit may, prior to or simultaneously with the application for the ownership transfer registration, apply via the communications network for a registration to cancel the registration that prevents the transfer of real estate ownership using data necessary for the cancellation registration, including the cancellation registration document data, and the transfer management unit may transmit cancellation money transfer instruction data to the relay financial institution system where the relay account is located or to the owner financial institution system where the owner's account is located, instructing a transfer of the cancellation money to at least one account of the owner-side creditor. This allows the registration support device to transfer the cancellation money to the creditor, thereby improving convenience.

[0017] 1 is a block diagram showing the configuration of a registration support system having a registration support device related to the first embodiment. 2 is a block diagram showing the physical configuration of the registration support device. 3 is a block diagram showing the configuration of a registration support system having a registration support device related to the first embodiment. 4 is a sequence chart for explaining the flow of control in the registration support device related to the first embodiment. 5 is a block diagram showing the configuration of a registration support system having a registration support device related to the second embodiment. 6 is a block diagram showing the configuration of a registration support system having a registration support device related to the second embodiment. 7 is a sequence chart for explaining the flow of control in the registration support device related to the second embodiment.

[0018] First Embodiment An embodiment of the present invention will be described below with reference to the drawings. As shown in FIG. 1 , a registration support system 10 including a registration support device 90 according to this embodiment supports real estate registration applications conducted via a communication network 300, such as the Internet. The registration support system 10 is used when an owner sells real estate, such as land or a building, owned by the owner to a buyer. The registration support system 10 stores documents necessary for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration as electronic data without inadvertent tampering, and supports prompt application to the Legal Affairs Bureau's online application system 310 at the desired timing. Furthermore, the registration support system 10 can connect online, for example, via API integration, to an owner-side financial institution system 320, which is the online system of the owner-side financial institution where the owner's account is opened, and a buyer-side financial institution system 330, which is the online system of the buyer-side financial institution where the buyer's account is opened, to support procedures such as transfers. Preferably, the registration support device 90 is a blockchain.

[0019] An owner sells real estate, such as land or a building, to a buyer. The owner's real estate may or may not have a registered mortgage or other right that prevents the transfer of ownership. If the owner has received a loan from a bank or other creditor and has not yet repaid it, a mortgage or other right is established on the real estate to secure the loan. If the real estate being sold has a mortgage or other right, the owner can use at least a portion of the amount paid by the buyer to repay the loan. The owner also requests an owner's agent to mediate the sale of the real estate. The owner may also sell the real estate themselves without requesting an owner's agent to mediate the sale. If the real estate being sold has a mortgage or other right, the owner requests an agent to apply for a cancellation registration of the mortgage or other right on the real estate being sold. In other words, the owner requests an agent to register the right to cancel or release the registration of the right that prevents the transfer of ownership. The owner's representative is not particularly limited as long as it is a person or corporation that can legally represent the owner, and may be, for example, a judicial scrivener or a lawyer.

[0020] Examples of rights that prevent the transfer of ownership of real estate include, but are not limited to, usufruct rights such as mortgages, security rights, liens, surface rights, and leasehold rights. In this specification, rights that prevent the transfer of ownership of real estate may be referred to as mortgages or mortgages, but they may also be usufruct rights other than mortgages, such as security rights, liens, surface rights, or leasehold rights. The owner's creditor has rights that prevent the transfer of ownership of real estate. The owner can pay at least a portion of the amount paid by the buyer to cancel or terminate these rights. The owner's creditor is not limited to financial institutions such as banks that provide loans, but may also be the government, tax offices, administrative agencies, individuals, corporations, etc.

[0021] A buyer purchases real estate owned by an owner. When purchasing, the buyer may purchase the real estate with their own funds or may obtain a loan from the buyer's financial institution to cover at least part of the purchase price. The buyer may also request a buyer's broker to mediate the purchase of the real estate. The buyer may also purchase the real estate themselves without requesting the owner's broker to mediate the purchase of the real estate. The buyer may also request an agent to apply for the transfer of ownership registration of the real estate. The buyer's agent is not particularly limited to any person or corporation that can legally represent the buyer, such as a judicial scrivener or lawyer. If the buyer obtains a loan from the buyer's financial institution, the buyer will request an agent to apply for the registration of the establishment of a mortgage, etc. on the real estate to be purchased. The aforementioned mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration may be performed by the same agent, or by different agents. For example, there may be one agent who performs the registration of cancellation of mortgages, etc., and another agent who performs the registration of transfer of ownership and the registration of establishment of mortgages, etc. Or there may be one agent who performs the registration of cancellation of mortgages, etc., and the registration of transfer of ownership, and another agent who performs the registration of establishment of mortgages, etc. Or the agents who perform the registration of cancellation of mortgages, etc., the registration of transfer of ownership, and the registration of establishment of mortgages, etc. may all be different.

[0022] The owner or buyer may register the property themselves without an agent. Alternatively, the registration may be automatically performed by the registration support device 90 when conditions preset by the owner or buyer are satisfied. The registration procedure performed by the registration support device 90 is performed by the person (owner or buyer) based on instructions from the person, and therefore may be considered to be the person performing the registration procedure.

[0023] The registration support system 10 has an owner terminal 20 used by the owner, an owner-side broker terminal 30 used by the owner-side broker, an owner-side creditor terminal 40 used by the owner-side creditor, a buyer terminal 50 used by the buyer, a buyer-side broker terminal 60 used by the buyer-side broker, a buyer-side lender terminal 70 used by the buyer-side lender, a registration application terminal 80 used by the agent, and a registration support device 90. The registration support system 10 can complete the preparation of necessary documents required for real estate sales and purchases, payment of the purchase price, and registration applications with the Legal Affairs Bureau in a single system using blockchain.

[0024] The owner terminal 20, the owner-side broker terminal 30, the owner-side creditor terminal 40, the buyer terminal 50, the buyer-side broker terminal 60, the buyer-side lender terminal 70, the registration application terminal 80, the registration support device 90, the online application system 310, the owner-side financial institution system 320, and the buyer-side financial institution system 330 are communicatively connected via a communication network 300, but do not need to be connected at all times. Note that being communicatively connected via the communication network 300 also includes being indirectly connected via other devices. When being indirectly connected via other devices, the information communicated may be processed as long as it can be effectively transmitted.

[0025] The owner terminal 20 is a terminal used by an owner who is selling real estate such as land or a building.

[0026] The owner-side creditor terminal 40 is a terminal used by the owner-side creditor. The owner-side creditor may have registered a document that prevents the transfer of ownership of real estate owned by the owner that is to be sold. As an example, in the following explanation, a case will be described in which the owner-side creditor provides a loan to the owner and establishes a mortgage to secure the claim on the real estate. At least a portion of the amount the owner receives from selling the real estate is planned to be used to pay off the loan. The owner-side creditor plans to provide the owner with documents to cancel the mortgage once the loan is paid off in full. Note that there may be multiple owner-side creditors providing loans to the owner. In this case, there may be multiple owner-side creditor terminals 40. The owner-side creditor terminal 40 may be part of the financial institution's online banking system.

[0027] The owner-side financial institution system 320 is, for example, an online banking system of a financial institution. There may be multiple owner-side financial institutions where the owner has opened an account. In this case, there may be multiple owner-side financial institution systems 320. Note that the owner-side financial institution may also be the owner-side creditor.

[0028] The owner's agent terminal 30 is a terminal used by a real estate agent who introduces buyers for the owner of the property. The owner's agent usually introduces real estate information to other real estate agents (buyer's agents) and receives introductions of buyers from the other real estate agents. The owner's agent who receives a request from the property owner has the right to negotiate with the owner.

[0029] The owner's side intermediary terminal 30 may be able to perform all or at least some of the data transmission and reception performed by the owner terminal 20 on behalf of the owner terminal 20. Therefore, depending on the settings, the registration support device 90 may transmit and receive data to and from the owner terminal 20 with the owner's side intermediary terminal 30. The owner terminal 20 and / or the owner's side intermediary terminal 30 are referred to as the owner's terminal 21. Note that if the owner conducts the transaction himself / herself without requesting the owner's side intermediary, the owner's side intermediary terminal 30 may not be necessary.

[0030] The buyer terminal 50 is a terminal used by a buyer who purchases real estate from the owner.

[0031] The buyer's financial institution system 330 is, for example, an online banking system of a financial institution through which the buyer transfers funds when purchasing real estate. There may be multiple buyer's financial institutions with which the buyer has opened an account. In this case, there may be multiple buyer's financial institution systems 330. The buyer's financial institution may also be the buyer's lender.

[0032] The buyer-side lender terminal 70 is a terminal used by a person who provides financing for the real estate that the owner is purchasing. The buyer-side lender is not limited to a financial institution such as a bank that provides financing, but may also be a government, administrative agency, individual, corporation, etc. The buyer-side lender may finance at least a portion of the purchase price of the real estate that the buyer is purchasing. There may be multiple buyer-side lenders providing financing to the buyer. In this case, there may be multiple buyer-side lender terminals 70. The owner-side creditor and the buyer-side lender are different financial institutions, but they may also be the same financial institution. In this case, the buyer-side lender terminal 70 is also the owner-side creditor terminal 40. The buyer-side lender terminal 70 may be part of the financial institution's online banking system. If the buyer does not receive a loan, the buyer-side lender terminal 70 is not necessary.

[0033] The buyer's agent terminal 60 is a terminal used by a real estate agent who mediates the real estate introduced by the owner's agent to the buyer. The buyer's agent does not have the right to negotiate directly with the real estate owner, and negotiations of various terms and conditions are conducted between the buyer and the owner's agent. Note that the buyer's agent may also be the owner's agent. In this case, the buyer's agent terminal 60 is also the owner's agent terminal 30.

[0034] The buyer's broker terminal 60 may be able to perform all or at least some of the data transmission and reception performed by the buyer terminal 50 on behalf of the buyer terminal 50. Therefore, depending on the settings, the registration support device 90 may transmit and receive data to and from the buyer terminal 50 with the buyer's broker terminal 60. The buyer terminal 50 and / or the buyer's broker terminal 60 are referred to as the owner's terminal 51. Note that if the buyer conducts the transaction himself without requesting a buyer's broker, the buyer's broker terminal 60 may not be necessary.

[0035] The registration application terminal 80 is a terminal used by the registration applicant who applies for registration, i.e., the registration agent, owner, or buyer. The agent applies for ownership transfer registration of the real estate being sold upon request from the owner or buyer. If there are multiple agents, each agent uses a different registration application terminal 80. Note that the registration application does not have to be made by the agent. In this case, the registration application terminal 80 may be used by the owner and / or buyer. In other words, the owner terminal 20 and the buyer terminal 50 may include the functions of the registration application terminal 80.

[0036] Alternatively, the registration application terminal 80 may not be necessary. The application for registration may be made automatically by the registration support device 90 based on instructions from the owner or buyer or at the discretion of the registration support device 90. When the application for registration is made by the owner or buyer, the owner terminal 20 or the buyer terminal 50 may make the application directly to the online application system 310, or the application may be made indirectly to the online application system 310 via the registration support device 90 or the like.

[0037] At least one of the owner terminal 20, owner-side broker terminal 30, owner-side creditor terminal 40, buyer terminal 50, buyer-side broker terminal 60, buyer-side lender terminal 70, and registration application terminal 80 is configured, for example, by a computer, a server, a mobile terminal such as a mobile phone or tablet, or a dedicated device, etc. Furthermore, each of terminals 20, 30, 40, 50, 60, 70, 80 may be configured by multiple computers, servers, etc.

[0038] In this embodiment, a single real estate transaction will be used as an example, but in an actual registration support system 10, for each real estate transaction, there is an owner terminal 20, an owner-side broker terminal 30, an owner-side creditor terminal 40, a buyer terminal 50, a buyer-side broker terminal 60, a buyer-side lender terminal 70, and a registration application terminal 80, and multiple transactions are carried out in parallel.

[0039] Registration support device 90 is communicatively connected to owner terminal 20, owner-side intermediary terminal 30, owner-side creditor terminal 40, buyer terminal 50, buyer-side intermediary terminal 60, buyer-side lender terminal 70, registration application terminal 80, online application system 310, owner-side financial institution system 320, and buyer-side financial institution system 330 via communication network 300. Registration support device 90 is a large-capacity server or computer that supports changes to real estate registration information and remittances via communication network 300.

[0040] As shown in FIG. 2, the registration support device 90 includes a storage device 91, a processing device 92, and a communication device 93 as a physical hardware configuration.

[0041] The storage device 91 may be, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a hard disk, optical disk, etc. The storage device 91 can write or read information, such as owner information, owner-side broker information, owner-side creditor information, owner-side financial institution information, buyer information, buyer-side broker information, agent information, buyer-side financial institution information, programs, etc., depending on the processing status. The storage device 91 can write or read information (electronic data) received from the owner terminal 20, owner-side broker terminal 30, owner-side creditor terminal 40, buyer terminal 50, buyer-side broker terminal 60, buyer-side lender terminal 70, registration application terminal 80, online application system 310, owner-side financial institution system 320, and buyer-side financial institution system 330, depending on the processing status.

[0042] The processing device 92 is, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), etc. The processing device 92 executes a program stored in the storage device 91 using RAM as a work area to perform arithmetic processing, and operates the communication device 93 and the storage device 91 in accordance with the program to execute the program on the communication network 300. That is, the registration assistance system 10 according to this embodiment is stored, for example, in the storage device 91 of the registration assistance device 90. The registration assistance system 10 may also be executed by cloud computing that utilizes multiple computer resources via the communication network 300.

[0043] The communication device 93 is an interface device that enables the registration support device 90 connected via the communication network 300 to communicate with the owner terminal 20, the owner-side intermediary terminal 30, the owner-side creditor terminal 40, the buyer terminal 50, the buyer-side intermediary terminal 60, the buyer-side lender terminal 70, the registration application terminal 80, the online application system 310, the owner-side financial institution system 320, and the buyer-side financial institution system 330. The communication device 93 is capable of communicating with multiple terminals simultaneously.

[0044] Next, the registration support device 90 will be described in detail.

[0045] As shown in Figure 3, the registration support device 90 has a consent data management unit 100, a personal identification data management unit 110, a communication management unit 120, a cancellation amount information management unit 130, a denomination information management unit 140, a cancellation registration document management unit 150, a transfer registration document management unit 160, a mortgage and other registration document management unit 170, a transfer management unit 180, a registration application management unit 200, and a status management unit 210.

[0046] The consent data management unit 100 manages consent data 101 indicating that the owner consents to the owner-side creditor disclosing to the agent documents related to the mortgage cancellation prepared by the owner-side creditor. Because the documents related to the mortgage cancellation prepared by the owner-side creditor contain the owner's personal information, the owner-side creditor cannot disclose those documents to the agent without the consent data 101. Documents that cannot be disclosed to the agent without the consent data 101 include, for example, a registration certificate, a mortgage release certificate, a payment certificate, and registration cause certification information. The consent data management unit 100 transmits an input screen to the owner terminal 20. The owner can operate the owner terminal 20 to transmit the consent data 101 to the consent data management unit 100, and the consent data management unit 100 can receive the consent data 101. The consent data management unit 100 stores and stores the received consent data 101. The consent data 101 may be image data such as a PDF file of a signed and sealed sales contract or consent document that has been digitized by scanning it, image data entered from the owner terminal 20 and digitally signed with a touch pen or finger, or image data with a digital signature. The signature and seal may be a signature, or, if there are no contractual issues, only a signature. For example, in some countries, a signature may not be required, and only a signature is required. This applies to all documents described herein. Preparing the consent data 101 in advance allows the owner's creditor to smoothly disclose documents related to the mortgage cancellation to the agent. This allows the agent to easily complete the mortgage cancellation procedure. Once the consent data 101 is uploaded and determined to be appropriate by a program such as AI (artificial intelligence), the appropriateness of the data is made public, but the content of the consent data 101 is not made public for protection purposes.

[0047] The personal identification data management unit 110 manages personal identification data that indicates the identity of the owner and buyer who use the registration support system 10. The personal identification data management unit 110 transmits an input screen to the owner terminal 20. The owner can operate the owner terminal 20 to transmit his / her own owner identification data 111 to the personal identification data management unit 110, and the personal identification data management unit 110 can receive the owner identification data 111.

[0048] Furthermore, the personal identification data management unit 110 transmits an input screen to the buyer terminal 50. The buyer can operate the buyer terminal 50 to transmit his / her own buyer personal identification data 112 to the personal identification data management unit 110, and the personal identification data management unit 110 can receive the buyer personal identification data 112. The buyer's broker terminal 60 can perform all or at least part of the data transmission and reception performed by the buyer terminal 50 on behalf of the buyer terminal 50.

[0049] The identity verification data of the owner and buyer is, for example, image data obtained by scanning and digitizing a resident registration card, driver's license, passport, health insurance card, pension book, personal identification number card, etc.

[0050] Furthermore, the personal identification data management unit 110 may verify the authenticity of the personal identification data using a program such as AI (artificial intelligence) provided in the registration support device 90. In this case, the personal identification data may be biometric information such as image data of the person acquired by a camera or various sensors provided in the owner terminal 20. The personal identification data management unit 110 may analyze the biometric information using a program (such as AI) provided in the registration support device 90 to verify the authenticity of the person through biometric authentication such as fingerprint authentication, hand or finger vein authentication, face authentication, or iris authentication. The owner personal identification data 111 is used when conducting real estate purchase and sale contracts, mortgage cancellation registrations, ownership transfer registrations, etc. The buyer personal identification data 112 is used when conducting real estate purchase and sale contracts, ownership transfer registrations, mortgage establishment registrations, etc.

[0051] The communication management unit 120 manages communication of information indicating that the sales contract has been finalized. The communication management unit 120 sends an input screen to at least one of the owner terminal 20, the owner's broker terminal 30, the buyer's terminal 50, or the buyer's broker terminal 60. After the real estate sales contract has been finalized, the owner, the owner's broker, the buyer, or the buyer's broker can operate their respective terminals to send communication data 121 to the communication management unit 120, which includes information indicating that the sales contract has been finalized and the determined settlement date. After receiving the communication data 121 from at least one of the owner terminal 20, the owner's broker terminal 30, the buyer's terminal 50, or the buyer's broker terminal 60, the communication management unit 120 sends the information in the communication data 121 to the owner's creditor terminal 40. This allows the owner's creditor to easily and reliably know that the sales contract has been finalized and the determined settlement date. The input screens displayed on the owner terminal 20, the owner-side broker terminal 30, the buyer terminal 50, or the buyer-side broker terminal 60 are not particularly limited, but may include, for example, buttons or check boxes that can be selected to easily notify information indicating that the sales contract has been finalized, buttons that allow the settlement date to be selected from a scrolling screen or calendar, or entry fields into which characters can be typed. The communication management unit 120 displays information indicating that the sales contract has been finalized and the settlement date on the owner-side creditor terminal 40 using characters, etc.

[0052] The owner-side creditor, who has been notified of the information in the contact data 121, including the settlement date, inputs the mortgage cancellation amount data 131, including the mortgage cancellation amount calculated from the settlement date and interest rate and information on the transfer account for the cancellation, into the owner-side creditor terminal 40 and transmits it to the cancellation amount information management unit 130. The input screen displayed on the owner-side creditor terminal 40 may, for example, have a field where the cancellation amount data 131, including the mortgage cancellation amount and the transfer account for the cancellation, can be entered and transmitted by typing. The cancellation amount information management unit 130 transmits the received cancellation amount data 131 to the owner terminal 20. In this way, the owner-side creditor can easily transmit the cancellation amount data 131. Furthermore, the owner can easily receive the cancellation amount data 131, including the mortgage cancellation amount and the transfer account for the cancellation. Note that if the owner repays the owner-side creditor by debiting the account, the information on the transfer account for the cancellation is not required.

[0053] The denomination information management unit 140 manages information on the account into which the buyer will transfer funds and information on the denomination of the repayment amount to be repaid by the owner. The denomination information management unit 140 transmits an input screen to the owner terminal 20. After the real estate sales contract is finalized but before settlement, the owner can operate the owner terminal 20 to transmit owner-side denomination information data 141, which includes information on one or more transfer accounts into which the buyer will transfer funds and the amount to be transferred to each of the transfer accounts, from the owner terminal 20 to the denomination information management unit 140. One piece of account information may be a transfer account for cancellation notified to the cancellation amount information management unit 130 by the owner-side creditor. Therefore, the denomination information management unit 140 may receive information on the transfer account of the owner-side creditor from the cancellation amount information management unit 130 and transmit that information to the owner terminal 20. This allows the owner to easily notify the buyer and the buyer-side financial institution of the owner-side denomination information data 141, which includes information on one or more account(s) and the amount to be transferred to each account. The input screen displayed on the owner terminal 20 may have, for example, selectable buttons and entry fields into which characters can be entered by typing.

[0054] The denomination information management unit 140 may use a program (AI, etc.) to determine whether the owner-side denomination information data 141 set by the owner terminal 20 properly includes the mortgage cancellation amount and the transfer account for cancellation, and transmit the result to the owner terminal 20 and / or the owner-side creditor terminal 40. The owner and / or the owner-side creditor can modify the owner-side denomination information data 141 and the cancellation amount, etc. data 131 using the owner terminal 20 and / or the owner-side creditor terminal 40.

[0055] The owner can select a payment method for the mortgage cancellation amount using the owner terminal 20. One payment method is to first receive a transfer from the buyer into the owner's transfer account, and then transfer the cancellation amount from the owner's transfer account to the owner's creditor's transfer account for cancellation. Another payment method is to have the buyer transfer the cancellation amount directly to the owner's creditor's transfer account for cancellation. The denomination information management unit 140 may display buttons, check boxes, etc. on the owner terminal 20 that allow the owner to select a payment method.

[0056] When the denomination information management unit 140 receives the cancellation amount data 131 from the owner-side creditor terminal 40, it may display the transfer account for cancellation and the mortgage cancellation amount included in the cancellation amount data 131 on the owner terminal 20 so that they can be selected as the transfer account to which the buyer should transfer the money and the amount to be transferred to that transfer account. This makes it possible to prevent the owner from entering incorrect transfer account and transfer amount.

[0057] When the denomination information management unit 140 receives the cancellation amount data 131 from the owner-side creditor terminal 40, it may automatically set the cancellation transfer account and mortgage cancellation amount included in the cancellation amount data 131 to the transfer account to which the buyer is to transfer the amount and the amount to be transferred to that transfer account. In other words, the owner-side creditor terminal 40 sets the cancellation transfer account to the transfer account to which the buyer is to transfer the amount. In this case, the cancellation transfer account and mortgage cancellation amount set as the transfer account to which the buyer is to transfer the amount and the amount to be transferred to that transfer account may or may not be amendable from the owner terminal 20.

[0058] When the denomination information management unit 140 receives the owner-side denomination information data 141 from the owner terminal 20 or the owner-side creditor terminal 40, it determines whether the total transfer amount for each transfer account matches the sales amount, whether the transfer account for cancellation and the mortgage cancellation amount are appropriately included, etc. If the denomination information management unit 140 determines that the owner-side denomination information data 141 received from the owner terminal 20 is acceptable, it transmits the owner-side denomination information data 141 to the buyer terminal 50. This allows the buyer to make a reservation for the transfer procedure using the buyer terminal 50. The buyer may also be able to modify or change the reservation information for the transfer account and transfer amount for the purchase cost using the buyer terminal 50. Note that the buyer may input the transfer account and transfer amount information into the buyer terminal 50 themselves, rather than obtaining the transfer account and transfer amount information through the buyer terminal 50.

[0059] The denomination information management unit 140 transmits an input screen to the buyer terminal 50. After the real estate sales contract has been finalized but before settlement, the buyer can operate the buyer terminal 50 to transmit to the denomination information management unit 140 buyer-side denomination information data 142, which includes information on the account from which the loan will be received from the lender, one or more accounts from which the transfer will be made, and information on the transfer account and transfer amount to be transferred from each account.

[0060] The cancellation registration document management unit 150 manages cancellation registration document data 151, which is electronic data of documents necessary for cancellation registration prepared by the owner-side creditor. The cancellation registration document management unit 150 transmits an input screen to the owner-side creditor terminal 40. The owner-side creditor can operate the owner-side creditor terminal 40 to transmit the cancellation registration document data 151 before the loan is fully repaid, and the cancellation registration document management unit 150 can receive the cancellation registration document data 151. The cancellation registration document data 151 is electronic data of documents that the owner-side creditor will hand over to the owner who has fully repaid the loan. The cancellation registration document data 151 is image data or text data, such as PDF, that has been scanned and digitized from registration identification information or registration completion certificates, mortgage release certificates, payment certificates, registration cause certification information, powers of attorney, etc. The cancellation registration document management unit 150 stores and stores the received cancellation registration document data 151. The cancellation registration document management unit 150 may check whether there are any problems with the cancellation registration document data 151 using a program such as AI provided in the registration support device 90. The program such as AI provided in the registration support device 90 also includes a program that can be executed by the registration support device 90 using an external device such as cloud computing.

[0061] The cancellation registration document management unit 150 transmits an input screen to the registration application terminal 80. The registration applicant transmits cancellation registration application document data 152 to the cancellation registration document management unit 150. The cancellation registration application document data 152 is image data, such as PDF, that is obtained by scanning and digitizing the registration application form, power of attorney, etc., to which the owner has signed and sealed at the time of settlement. The cancellation registration document management unit 150 stores and stores the received cancellation registration application document data 152. Alternatively, the cancellation registration document management unit 150 may transmit the cancellation registration application document data 152, created by the registration applicant or automatically by a program such as AI, before the owner terminal 20 completes the settlement. The owner can electronically sign the cancellation registration application document data 152 using a touch pen or finger, or affix a digital seal or digital signature to the owner terminal 20, and then transmit the data to the cancellation registration document management unit 150. Alternatively, the owner may print out the cancellation registration application document data 152, sign and stamp it, and then scan and digitize the image data, such as PDF, and send it from the owner terminal 20 to the cancellation registration document management unit 150.

[0062] The transfer registration document management unit 160 manages documents necessary for transfer registration prepared by the owner, buyer, and agent. The transfer registration document management unit 160 sends an input screen to the owner terminal 20. The owner can operate the owner terminal 20 to send owner-side transfer registration document data 161 necessary for real estate transfer registration prepared by the owner to the transfer registration document management unit 160, and the transfer registration document management unit 160 can receive the owner-side transfer registration document data 161. The owner-side transfer registration document data 161 is electronic data of documents necessary for real estate sales contracts prepared by the owner. The owner-side transfer registration document data 161 is image data or text data such as PDFs obtained by scanning and digitizing seal certificates and title deeds. The transfer registration document management unit 160 stores and stores the received owner-side transfer registration document data 161. The transfer registration document management unit 160 may check whether there are any problems with the owner's transfer registration document data 161 using a program such as AI provided in the registration support device 90.

[0063] The transfer registration document management unit 160 sends an input screen to the buyer terminal 50. The buyer operates the buyer terminal 50 to send buyer-side transfer registration document data 162. The buyer-side transfer registration document data 162 is image data such as PDF that has been digitized by scanning a resident registration card, a company transcript if the buyer is a corporation, etc. The transfer registration document management unit 160 stores and stores the received buyer-side transfer registration document data 162. The transfer registration document management unit 160 may check whether there are any problems with the buyer-side transfer registration document data 162 using a program such as AI provided in the registration support device 90.

[0064] The transfer registration document management unit 160 sends an input screen to the registration application terminal 80. Prior to settlement, the registration applicant creates transfer registration application document data 163 before the name and seal are affixed, and sends it to the transfer registration document management unit 160. The transfer registration document management unit 160 stores and stores the received transfer registration application document data 163 before the name and seal are affixed. The transfer registration application document data 163 is image data or text data such as PDFs obtained by scanning and digitizing the registration application form, registration certificate, sales contract deed, registration cause certification information, real estate fixed asset valuation certificate, power of attorney, etc. The registration applicant can scan each document affixed with the name and seal of the owner and buyer at the time of settlement, or prior to settlement, and digitize it into image data such as PDFs, and send it from the registration application terminal 80 to the transfer registration document management unit 160. The transfer registration document management unit 160 stores and stores the received transfer registration application document data 163. Alternatively, the transfer registration document management unit 160 may transmit transfer registration application document data 163, before the name and seal have been affixed, which has been created by the registration applicant or automatically created by a program such as AI in the registration support device 90, to the owner terminal 20 and the buyer terminal 50. The owner terminal 20 and the buyer terminal 50 can electronically sign the transfer registration application document data 163 using a touch pen or finger, or affix a digital seal or digital signature from the owner terminal 20 and the buyer terminal 50, and then transmit the data to the transfer registration document management unit 160. Alternatively, the owner and buyer may print out a document, affix their name and seal or signature, and then scan and digitize the image data, such as a PDF, and transmit it from the owner terminal 20 and the buyer terminal 50 to the transfer registration document management unit 160.

[0065] The mortgage etc. registration document management unit 170 manages documents necessary for mortgage etc. registration prepared by the buyer, the buyer's lender, and the agent. The mortgage etc. registration document management unit 170 sends an input screen to the buyer terminal 50. The buyer operates the buyer terminal 50 to send buyer-side registration document data 171 necessary for mortgage etc. registration on real estate prepared by the buyer. The buyer-side registration document data 171 is image data such as PDF that has been digitized by scanning a seal certificate or the like. The mortgage etc. registration document management unit 170 stores and stores the received buyer-side registration document data 171.

[0066] The mortgage etc. registration document management unit 170 sends an input screen to the buyer-side lender terminal 70. The buyer-side lender can operate the buyer-side lender terminal 70 to send lender-side registration document data 172, and the mortgage etc. registration document management unit 170 can receive the lender-side registration document data 172. The lender-side registration document data 172 is electronic data of documents that the buyer-side lender will hand over to the borrower's buyer after the loan contract is concluded. The lender-side registration document data 172 is image data or text data such as PDFs that have been scanned and digitized from registration cause certification information (such as a mortgage contract certificate), qualification certificates, powers of attorney, etc. The mortgage etc. registration document management unit 170 stores and stores the received lender-side registration document data 172. The mortgage and other registration document management unit 170 may check whether there are any problems with the lending side registration document data 172 using a program such as AI provided in the registration support device 90.

[0067] The mortgage etc. registration document management unit 170 sends an input screen to the registration application terminal 80. The registration applicant sends registration application document data 173 before, at, or after settlement. The registration application document data 173 is image data or text data such as PDF obtained by scanning and digitizing the registration application form, registration certificate, registration cause certification information, power of attorney, etc. At the time of settlement, the registration applicant can scan each document signed and sealed by the buyer and the buyer's lender, digitize it into image data such as PDF, and send it from the registration application terminal 80 to the transfer registration document management unit 160. The transfer registration document management unit 160 stores and stores the received registration application document data 173. Alternatively, mortgage etc. registration document management unit 170 may transmit registration application document data 173, before the registration applicant has signed and sealed, which has been created by the registration applicant or automatically created by an AI or other program of registration support device 90, to buyer-side lender terminal 70 and buyer terminal 50. The buyer-side lender and buyer can electronically sign or affix a digital signature to registration application document data 173 from buyer-side lender terminal 70 and buyer terminal 50 using a touch pen, finger, or the like, and then transmit the data to mortgage etc. registration document management unit 170. Alternatively, buyer-side lender terminal 70 and buyer terminal 50 may print out the document, sign and seal it, and then scan and digitize the image data, such as a PDF, and transmit it to mortgage etc. registration document management unit 170.

[0068] The transfer management unit 180 manages transfers from the buyer to the owner. The transfer management unit 180 transmits an input screen to the registration application terminal 80. When the transfer management unit 180 determines that the data necessary for the registration application to be carried out has been collected, it transmits information indicating that the data has been collected to the registration application terminal 80 and transmits each piece of data to the registration application terminal 80 so that it can be viewed. The transfer management unit 180 may transmit the received data to the registration application terminal 80 so that it can be viewed, in order. When transmitting the cancellation registration document data 151 to the registration application terminal 80 so that it can be viewed, the transfer management unit 180 preferably processes the data to the extent that it cannot be used for the cancellation registration. For example, the transfer management unit 180 may perform image processing to hide part of the image data of the cancellation registration document data 151. The cancellation registration document data 151 is preferably stored non-fungible using non-fungible token (NFT) technology. Furthermore, the transfer management unit 180 can display the cancellation registration document data 151, which has become viewable on the registration application terminal 80, on the registration application terminal 80 so that it cannot be downloaded to the registration application terminal 80 or saved by image capture. It is preferable that the transfer management unit 180 can arbitrarily set which information cannot be downloaded to the registration application terminal 80 or saved by image capture. This prevents the registration applicant from carrying out procedures using the cancellation registration document data 151 without permission, but allows the registration application terminal 80 to check that there are no problems with each piece of data. Once the registration applicant confirms that there are no problems, the registration application terminal 80 transmits information indicating that there are no problems with the data to the transfer management unit 180. When the transfer management unit 180 receives information indicating that the data necessary for the registration application to be carried out has been collected and that there are no problems with the data, it transmits information indicating that the transaction is now possible to the terminals of all parties involved. In addition, the transfer management unit 180 may not allow the image data of the cancellation registration document data 151 itself to be viewed, but may allow only the information that the cancellation registration document data 151 has been stored and saved to be viewed.

[0069] The transfer management unit 180 may receive information indicating that there are no problems with the data from a program (AI, etc.) included in the registration support device 90. The program can check whether there are any problems with the data. When the registrations to be carried out are a mortgage cancellation registration, an ownership transfer registration, and a mortgage establishment registration, the data required to apply for the registration to be carried out are data required to apply for mortgage cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152), data required to apply for ownership transfer registration (owner-side transfer registration document data 161, buyer-side transfer registration document data 162, and transfer registration application document data 163), and data required to apply for mortgage establishment registration (buyer-side establishment registration document data 171, lender-side establishment registration document data 172, and establishment registration application document data 173).

[0070] Depending on the settings, the transfer management unit 180 can send to the owner terminal 20 a transfer reservation screen that includes buttons and the like for reserving the transfer procedure for the mortgage cancellation money. The owner uses the owner terminal 20 to specify the date and time, the account to which the transfer will be made, the transfer destination account, the transfer amount, and the like on the transfer reservation screen, and sends it to the transfer management unit 180. The owner may also be able to modify or change the reservation information for the transfer account and transfer amount for the mortgage cancellation money using the owner terminal 20. Note that the owner may input the information for the transfer account and transfer amount for the mortgage cancellation money into the owner terminal 20 himself, rather than obtaining the information for the transfer account and transfer amount for the mortgage cancellation money through the owner terminal 20.

[0071] Furthermore, once the data necessary for the application for registration to be carried out has been collected, the transfer management unit 180 can, depending on the settings, send to the buyer terminal 50 a transfer reservation screen including buttons and the like for reserving the transfer procedure. The buyer can specify the date and time, the account to transfer from, the account to which the transfer is to be made, the transfer amount, and the like on the transfer reservation screen using the buyer terminal 50, and send to the transfer management unit 180 procedure progress instruction data 181 for reserving the transfer.

[0072] When a reservation for a transfer procedure is made by the buyer terminal 50, the transfer management unit 180 puts the transfer of the real estate purchase cost to the owner's account at the owner's financial institution on hold in a state where it can be transferred. After the transfer is put on hold and not completed, the transfer management unit 180 makes it impossible to execute or cancel the transfer until it receives a result on whether the application for ownership transfer registration to the online registration system 310 will be accepted. After receiving a result on whether the application for ownership transfer registration to the online registration system 310 will be accepted, the transfer management unit 180 can execute the transfer, cancel the transfer, or continue to hold the transfer.

[0073] If a transfer procedure has been scheduled, when the scheduled transfer date (settlement date) arrives and the registration is accepted without issue, the transfer management unit 180 sends loan request data 182 to the buyer's lender terminal 70, requesting the transfer of the loan amount to the buyer's loan account. The transfer management unit 180 connects to the buyer's financial institution system 330 of the loan account, and after confirming that the loan amount has been transferred and the registration is accepted without issue, sends transfer instruction data 183 to each buyer's financial institution system 330, instructing the execution of the transfer. Note that the request to transfer the loan amount may not be made to the buyer's lender terminal 70, but may be made verbally, by telephone, in writing, by facsimile, by email, or the like to a person in charge of the lender (e.g., the lending bank) or an agent designated by the lender.

[0074] It should be noted that the transfer procedure does not need to be scheduled in the transfer management unit 180. When the settlement date arrives, the transfer management unit 180 sends a payment instruction screen including buttons and the like for instructing payment to the buyer terminal 50. The buyer can send procedure progress instruction data 181 instructing the start of the procedure by operating the buyer terminal 50 and selecting a button or the like on the payment instruction screen. When the transfer management unit 180 receives the procedure progress instruction data 181 from the buyer terminal 50, it holds the transfer of the real estate purchase cost to the owner's account at the owner's financial institution in a transferable state until it receives the result of whether or not the application for registration procedures has been accepted.

[0075] After receiving the loan request data 182, the buyer-side lender checks whether there are any problems with the procedure, and if it determines that there are no problems, transfers the loan amount to the buyer's account. The buyer-side lender transmits information indicating that the loan has been made from the buyer-side lender terminal 70 to the transfer management unit 180. Note that the buyer-side lender does not need to transmit information indicating that the loan has been made from the buyer-side lender terminal 70 to the transfer management unit 180. By connecting to the buyer-side financial institution system 330, the transfer management unit 180 can receive information indicating that the loan has been made from the buyer-side financial institution system 330.

[0076] After receiving the information indicating that the loan has been granted, the transfer management unit 180 connects to the buyer's financial institution system 330 and issues instructions to transfer funds to one or more accounts designated by the owner. The buyer's financial institution system 330 transfers funds online from the buyer's account at the buyer's financial institution to the owner's account at the owner's financial institution using a settlement network for bank-to-bank transfers.

[0077] If the registration is accepted without any problems, the transfer management unit 180 releases the hold on the transfer, connects to each buyer's financial institution system 330, transmits transfer instruction data 183, and instructs the transfer. The transfer management unit 180 also receives transfer completion notification data 184 from the buyer's financial institution system 330, indicating that the transfer has been made to the owner's account. If the registration is not accepted, the transfer management unit 180 releases the hold on the transfer and cancels the transfer without executing it.

[0078] The transfer management unit 180 connects to each owner-side financial institution system 320 that receives transfers from the buyer, and receives payment completion notification data 185, which includes information such as the sender, the amount received, and the date and time of transfer, from the owner-side creditor terminal 40. The transfer management unit 180 can determine from the payment completion notification data 185 received from all owner-side financial institution systems 320 that receive transfers whether the sender, the amount received, the total amount sent, the date and time of transfer, etc. are appropriate.

[0079] If the transfer procedure for the mortgage cancellation amount has been reserved by owner terminal 20, after confirming the transfer from the buyer, transfer management unit 180 immediately connects to the reserved owner's financial institution system 320 and transmits cancellation money transfer instruction data 186 to owner's financial institution system 320, instructing the transfer of the mortgage cancellation amount to the account specified in the reservation. Transfer management unit 180 can receive a notification of transfer completion from owner's financial institution system 320. Note that transfer management unit 180 may transmit cancellation money transfer instruction data 186 to owner's financial institution system 320 before or simultaneously with transmitting transfer instruction data 183 to buyer's financial institution system 330, rather than after transmitting transfer instruction data 183.

[0080] The registration application management unit 200 manages registration applications to the Legal Affairs Bureau. The registration application management unit 200 submits document data required for applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration from the registration application terminal 80 to the Legal Affairs Bureau via the communication network 300 and the Legal Affairs Bureau's online application system 310.

[0081] The status management unit 210 manages the status of each piece of data stored in the registration support device 90. The status management unit 210 records and stores information such as the existence or nonexistence of each piece of data stored in the registration support device 90, the date and time of transmission, information indicating that the stored data has not been changed, if the transmitted data has been changed, the fact that the data has been changed, the date and time of the change, the terminal that made the change (the ID of the person who made the change), and whether or not approval has been given by a program such as AI or the registration applicant (e.g., an agent). Therefore, the status management unit 210 can display each piece of data on the registration application terminal 80 so that the user can confirm whether there are any problems. After checking each piece of data, if there are no problems, the agent who is the registration applicant operates the registration application terminal 80 to send approval data 211 indicating that there are no problems with each piece of data. The registration support device 90 receives and stores the approval data 211 from the registration application terminal 80 via the status management unit 210.

[0082] Next, the control flow of the registration support method by the registration support device 90 will be explained with reference to Figures 3 and 4. Here, the explanation will be given taking as an example the case where an application is made for registration of cancellation of mortgage, etc., registration of transfer of ownership, and registration of establishment of mortgage, etc. A mortgage is registered on real estate owned by an owner, and a buyer purchases the real estate by obtaining a loan from a lender.

[0083] The registration support device 90 is capable of accepting data to be sent to the registration support device 90 from the owner, the owner's broker, the owner's financial institution, the buyer, the buyer's broker, the buyer's financial institution, and the registration applicant in a state in which all document data necessary for applying for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration have not been prepared, i.e., in a state before settlement of a real estate transaction (step S01). The registration support device 90 sends an input screen to the terminals involved in the transaction so that each terminal can send the data it plans to send.

[0084] Before settlement, the owner transmits consent data 101 via the owner terminal 20, in which the owner's creditor agrees to the disclosure of mortgage cancellation-related documents to the registration applicant (e.g., an agent) (step S02). The registration support device 90 receives and stores the consent data 101 from the owner terminal 20 via the consent data management unit 100.

[0085] Furthermore, when signing a real estate sales contract or making a settlement, the owner transmits owner identification data 111 from the owner terminal 20 to the identification data management unit 110 (step S03). This allows the system to confirm that the owner performing the procedure is the owner himself / herself. The registration support device 90 receives and stores the owner identification data 111 from the owner terminal 20 via the identification data management unit 110.

[0086] Furthermore, after entering into a real estate sales contract but before settlement, the owner transmits contact data 121 from the owner terminal 20 indicating that the sales contract has been finalized and the settlement date (step S04). The registration support device 90 receives and stores the contact data 121 from the owner terminal 20 via the contact management unit 120. Note that the contact data 121 may also be transmitted to the registration support device 90 from the owner-side broker terminal 30, the owner-side creditor terminal 40, the buyer terminal 50, the buyer-side broker terminal 60, the buyer-side lender terminal 70, or the registration application terminal 80. After receiving the contact data 121, the registration support device 90 transmits the information contained in the contact data 121 to the owner-side creditor terminal 40 (step S05). This allows the owner to easily and reliably inform the owner-side creditor of the finalization of the sales contract and the determined settlement date. Furthermore, the buyer can easily and reliably inform the buyer-side lender of the finalization of the sales contract and the determined settlement date.

[0087] When the owner-side creditor receives contact data 121 including settlement date information via owner-side creditor terminal 40, he calculates the mortgage cancellation amount from the settlement date and interest rate, and transmits cancellation amount, etc. data 131, including the mortgage cancellation amount and the bank account, from owner-side creditor terminal 40 to cancellation amount information management unit 130 (step S06). When registration support device 90 receives cancellation amount, etc. data 131 from owner-side creditor terminal 40 via cancellation amount information management unit 130, it stores the data. Furthermore, the owner-side creditor transmits cancellation registration document data 151 via owner-side creditor terminal 40 (step S07). Registration support device 90 receives and stores cancellation registration document data 151 from owner-side creditor terminal 40 via cancellation registration document management unit 150. The owner-side creditor may transmit the cancellation amount data 131 from the owner-side creditor terminal 40 after confirming the buyer's transfer reservation and the owner's transfer reservation for the cancellation amount. For this purpose, when the buyer's transfer reservation and the owner's transfer reservation for the cancellation amount are completed, the cancellation amount information management unit 130 may transmit information indicating that these transfer reservations have been completed to the owner-side creditor 40, and may make the cancellation registration document data 151 transmittable from the owner-side creditor terminal 40. Note that, as long as the security of the cancellation registration document data 151 is ensured, the owner-side creditor may be able to transmit the cancellation registration document data 151 from the owner-side creditor terminal 40 before confirming the buyer's transfer reservation and the owner's transfer reservation for the cancellation amount.

[0088] After receiving the cancellation amount data 131, the registration support device 90 transmits the information included in the cancellation amount data 131 to the owner terminal 20 (step S08). This allows the owner to obtain the mortgage cancellation amount and information on the transfer account for cancellation.

[0089] Upon receiving the consent data 101 and the cancellation registration document data 151, the registration support device 90 transmits the cancellation registration document data 151 to the registration application terminal 80 so that it can be viewed (step S09). This allows the agent to confirm the cancellation registration document data 151. In other words, by preparing the consent data 101 in advance, the owner-side creditor can disclose the mortgage cancellation-related documents to the agent. Note that the cancellation registration document data 151 cannot be viewed or downloaded from any terminal other than the owner-side creditor terminal 40 and the registration application terminal 80 used by the owner-side creditor that transmits the data. This allows the registration support system 10 to ensure the security of transactions.

[0090] When the registration support device 90 receives the cancellation registration document data 151, the information that the cancellation registration document data 151 is stored and saved can be viewed from all terminals involved in the transaction (owner terminal 20, owner-side broker terminal 30, owner-side creditor terminal 40, buyer terminal 50, buyer-side broker terminal 60, buyer-side lender terminal 70, and registration application terminal 80).

[0091] When transmitting the cancellation registration document data 151 to the registration application terminal 80 so that it can be viewed, the registration support device 90 preferably processes the cancellation registration document data 151 to the extent that it cannot be used for cancellation registration, or displays it on the registration application terminal 80 so that it cannot be saved by downloading, image capture, etc. If the cancellation registration document data 151 is stored non-fungibly using non-fungible token (NFT) technology, unintended use of the cancellation registration document data 151 can be restricted. Alternatively, even if the registration support device 90 receives the cancellation registration document data 151 and the consent data 101, it may only make information that the cancellation registration document data 151 is stored and stored viewable on the registration application terminal 80. Confirmation that the cancellation registration document data 151 is problem-free may be performed by AI.

[0092] After receiving the information contained in the cancellation amount etc. data 131 but before payment, the owner transmits owner-side denomination information data 141, including one or more transfer accounts and transfer amounts, from the owner terminal 20 to the denomination information management unit 140 (step S10). The registration support device 90 receives and stores the owner-side denomination information data 141 from the owner terminal 20 via the denomination information management unit 140. The transfer accounts in the owner-side denomination information data 141 may also include a transfer account for cancellation. The owner may also notify the buyer of the transfer account information by another method that does not go through the registration support device 90.

[0093] Furthermore, before settlement, the owner transmits owner-side transfer registration document data 161 from the owner terminal 20 to the transfer registration document management unit 160 (step S11). The registration support device 90 receives and stores the owner-side transfer registration document data 161 from the owner terminal 20 via the transfer registration document management unit 160.

[0094] The buyer transmits the buyer identification data 112 from the buyer terminal 50 to the personal identification data management unit 110 when signing a real estate sales contract or making a settlement (step S12). This confirms that the buyer who is carrying out the procedure through this system is the buyer himself. The registration support device 90 receives the buyer identification data 112 from the buyer terminal 50 via the personal identification data management unit 110 and stores it.

[0095] Before settlement, the buyer transmits buyer-side denomination information data 142, including one or more of the buyer's accounts and the transfer amount, from the buyer terminal 50 to the denomination information management unit 140 (step S13). The registration support device 90 receives and stores the buyer-side denomination information data 142 from the buyer terminal 50 via the denomination information management unit 140. The buyer's accounts in the buyer-side denomination information data 142 may also include accounts into which the loan funds are deposited.

[0096] Furthermore, before settlement, the buyer transmits buyer-side transfer registration document data 162 from the buyer terminal 50 (step S14) and transmits buyer-side establishment registration document data 171 (step S15). The registration support device 90 receives the buyer-side transfer registration document data 162 from the buyer terminal 50 via the transfer registration document management unit 160, and receives and stores the buyer-side establishment registration document data 171 via the mortgage, etc. establishment registration document management unit 170.

[0097] Before settlement, the buyer-side lender transmits the lender-side registration document data 172 via the buyer-side lender terminal 70 (step S16). The registration support device 90 receives and stores the lender-side registration document data 172 from the buyer-side lender terminal 70 via the mortgage etc. registration document management unit 170.

[0098] Before settlement, the registration applicant uses registration application terminal 80 to create cancellation registration application document data 152 before signing and sealing, transfer registration application document data 163, and establishment registration application document data 173, and transmits these to registration support device 90. In response to a request from registration application terminal 80 (for example, by selecting a button on the screen), registration support device 90 may be able to transmit fillable electronic data of the cancellation registration application document, transfer registration application document, and establishment registration application document before filling them out to registration application terminal 80. The registration applicant can use the electronic data of each document before filling it out received by registration application terminal 80 to create cancellation registration application document data 152 before signing and sealing, transfer registration application document data 163, and establishment registration application document data 173. The registration support device 90 receives, from the registration application terminal 80, cancellation registration application document data 152 via the cancellation registration document management unit 150, transfer registration application document data 163 via the transfer registration document management unit 160, and mortgage, etc. establishment registration application document data 173, and stores them. At the time of settlement, the registration applicant prints out the cancellation registration application document data 152 before the name and seal are affixed, shows it to the owner, has them affix their name and seal, and then digitizes and transmits the data as image data from the registration application terminal 80 to the registration support device 90 (step S17). Also, at the time of settlement, the registration applicant prints out the transfer registration application document data 163 before the name and seal are affixed, shows it to the owner and buyer, has them affix their name and seal, and then digitizes and transmits the data as image data from the registration application terminal 80 to the registration support device 90 (step S18). Furthermore, at the time of settlement, the registration applicant prints out the establishment registration application document data 173 before signing and sealing it, shows it to the buyer, and after the buyer signs and seals it, digitizes it and transmits it as image data from the registration application terminal 80 to the registration support device 90 (step S19). The signed and sealed cancellation registration application document data 152, transfer registration application document data 163, and establishment registration application document data 173 are stored in the registration support device 90. The signed and sealed document data may be an electronic signature such as a digital signature. In this case, the registration applicant does not need to print and scan each document.

[0099] Steps S17 to S19 may be performed from the owner terminal 20 or the buyer terminal 50.

[0100] For each data item received, the registration support device 90 transmits to a set terminal (e.g., the terminals of all parties) a display indicating whether the data exists, a display indicating the date and time of transmission, information indicating that the stored data has not been changed, and, if the transmitted data has been changed, information indicating that the data has been changed (e.g., a display of the date and time of the change). This allows the owner, owner's broker, owner's creditor, buyer, buyer's broker, buyer's lender, and registration applicant to check the status of the collection of data necessary for registration from their own terminals. Furthermore, if the stored data is modified, deleted, or replaced, the registration support device 90 allows the owner, owner's broker, owner's creditor, buyer, buyer's broker, buyer's lender, and registration applicant to confirm the modification, deletion, or replacement. Each data item is then verified by AI or the registration applicant and approved as being problem-free. It is preferable that the registration applicant can check each piece of data required for registration that has been made viewable by the transfer management unit 180 of the registration support device 90 using the registration application terminal 80 before making payment (step S20). For data that the registration applicant has checked and approved as being acceptable, the registration applicant can send information indicating that the data is approved to the registration support device 90 using the registration application terminal 80. Note that each piece of data may be confirmed as being acceptable by the registration support device 90 using a program such as AI (artificial intelligence) and approved (step S20), rather than by the registration applicant.

[0101] After the data is approved, the registration support device 90 transmits the approval of the data to the terminals of all the parties concerned using characters, colors, symbols, etc. (Step S21). The registration support device 90 may also disable the modification, deletion, and replacement of data once approved. This prevents tampering with the approved data.

[0102] When the mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration are performed by different agents (registration applicants), multiple registration application terminals 80 are used in connection with a single real estate transaction. It is preferable that each agent prepares and checks the application documents for the registration for which they are responsible. For example, when agent A is in charge of the mortgage cancellation registration, it is preferable that agent A prepare and transmit the cancellation registration application document data 152 from the registration application terminal 80 used by agent A before settlement, and that agent A be able to check whether there are any problems with the data required for the mortgage cancellation registration (cancellation registration document data 151, cancellation registration application document data 152, etc.) (step S20). Furthermore, when agent B is in charge of ownership transfer registration, it is preferable that agent B create and transmit transfer registration application document data 163 from the registration application terminal 80 used by agent B before settlement, and confirm that the data required for ownership transfer registration (owner-side transfer registration document data 161, buyer-side transfer registration document data 162, and transfer registration application document data 163, etc.) are correct (step S19). When agent C is in charge of mortgage or other right registration, it is preferable that agent C create and transmit registration application document data 173 from the registration application terminal 80 used by agent C before settlement, and confirm that the data required for mortgage or other right registration (buyer-side registration document data 171, lender-side registration document data 172, and registration application document data 173, etc.) are correct (step S20). Each agent can transmit information indicating that the data is approved to the registration support device 90 from their respective registration application terminals 80 for data that they have confirmed and approved. After the data is approved, the registration support device 90 transmits the approval of each piece of data to the terminals of all the parties concerned using characters, colors, symbols, etc. (step S21).

[0103] The registration support device 90 determines the status when the data required for the registration of the cancellation of a mortgage, etc. (cancellation registration document data 151 and cancellation registration application document data 152), the data required for the registration of transfer of ownership (owner's transfer registration document data 161, buyer's transfer registration document data 162 and transfer registration application document data 163), and the data required for the application for registration of the establishment of a mortgage, etc. (buyer's establishment registration document data 171, lender's establishment registration document data 172 and establishment registration application document data 173) are all collected and confirmed by an AI or other program or agent and approved as being satisfactory. After determining that all data is collected and acceptable, registration support device 90 receives approval from the terminals of all parties involved in the transaction (owner terminal 20, owner-side broker terminal 30, owner-side creditor terminal 40, buyer terminal 50, buyer-side broker terminal 60, buyer-side lender terminal 70, and registration application terminal 80) by selecting buttons, check boxes, etc., to allow the procedures (registration and settlement) to proceed, and disables the modification, deletion, or replacement of any data (at least the data required for the applications for the aforementioned mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration) (step S22). This preserves all data in an approved state. Next, the status management unit 210 notifies the owner terminal 20, the owner's broker terminal 30, the owner's creditor terminal 40, the buyer terminal 50, the buyer's broker terminal 60, the buyer's lender terminal 70, and the registration application terminal 80 that it is now possible to register the cancellation of mortgages, etc., the transfer of ownership, and the establishment of mortgages, etc. (step S23).

[0104] After registration becomes possible, the registration support device 90 may transmit a transfer reservation screen that reserves the start of registration and transfer procedures at a specific time on the settlement date or at any time on the settlement date, prior to the determined settlement date (step S24). The buyer selects a button or the like on the displayed payment instruction screen on the determined settlement date or prior to the settlement date, transmits procedure progress instruction data 181 from the buyer terminal 50, and reserves the transfer (step S25). The registration support device 90 receives the procedure progress instruction data 181 from the buyer terminal 50. Upon receiving the procedure progress instruction data 181, the registration support device 90 notifies the owner terminal 20, the owner-side broker terminal 30, the owner-side creditor terminal 40, the buyer terminal 50, the buyer-side broker terminal 60, the buyer-side lender terminal 70, and the registration application terminal 80 that the registration and transfer procedures will begin on the reserved settlement date and time (step S26). It should be noted that step S26 of notifying that an instruction to proceed with the transfer procedure has been given does not have to be performed.

[0105] When the registration support device 90 receives the procedure progress instruction data 181, it may connect to each buyer's financial institution system 330 and, before issuing a notice to proceed with the transfer procedure on the settlement date (step S26), check whether the scheduled transfer is possible by, for example, performing a balance inquiry. If there is an account for which a loan is planned but the loan has not yet been granted, it may check whether the scheduled transfer will be possible once the loan is granted. If the registration support device 90 determines, based on the information obtained from each buyer's financial institution system 330, that the scheduled transfer is possible, it may issue a notice to proceed with the transfer procedure on the settlement date (step S26). If it determines that the scheduled transfer is impossible, it may cancel the procedure without issuing a notice (step S26).

[0106] When the registration support device 90 receives the procedure progress instruction data 181, the payment procedure to the financial institution may be suspended in a state where transfer is possible, and the buyer may not be able to cancel the transfer until the registration procedure is completed. This makes it impossible to use the suspended purchase amount for other purposes, and the suspended purchase amount can be reliably transferred simply by releasing the suspension.

[0107] If the scheduled settlement date falls on the day and the loan is scheduled to be received but has not yet been made, the registration support device 90 transmits the loan request data 182 to the buyer-side lender terminal 70 (step S27). Note that when receiving a loan, the loan may be made at any time before settlement. Therefore, the registration support device 90 does not need to transmit the loan request data 182 to the buyer-side lender terminal 70. For example, the request for loan execution may be made verbally to a person in charge of the lender (e.g., the lending bank) or an agent designated by the lender. Before executing the transfer and registration procedures, the registration support device 90 may connect to each buyer-side financial institution system 330 and, for example, perform a balance inquiry to confirm whether the scheduled transfer is possible. Therefore, the registration support device 90 may confirm whether the transfer is possible multiple times before making the scheduled transfer. As a result, if the balance changes between the time the procedure progress instruction data 181 is received and the time the transfer is made, the registration support device 90 can recognize the change and determine whether the scheduled transfer is possible or not. If the scheduled transfer changes from possible to impossible, or from impossible to possible, the registration support device 90 may be able to notify at least one of the related party terminals 20, 30, 40, 50, 60, 70 of the change. If the scheduled transfer changes from possible to impossible, the registration support device 90 may cancel the progress of the procedure.

[0108] When the reserved settlement date or the scheduled date for the transfer of the loaned funds arrives, the registration support device 90 may periodically connect to the buyer's financial institution system 330 to which the loaned funds will be transferred and determine whether the loaned funds have been transferred. The registration support device 90 may connect to each buyer's financial institution system 330, and when it determines that the loan has been made and the reserved transfer is possible from each buyer's financial institution system 330, it may notify this fact to at least one of the owner terminal 20, the owner's intermediary terminal 30, the owner's creditor terminal 40, the buyer terminal 50, the buyer's intermediary terminal 60, the buyer's lender terminal 70, and the registration application terminal 80.

[0109] Furthermore, the registration support device 90 may connect to at least one owner-side financial institution system 320 to which the mortgage cancellation money will be transferred when the scheduled settlement date or the scheduled date for the loan payment arrives. When the purchase cost is transferred from the buyer-side financial institution system 330, the registration support device 90 may determine whether the mortgage cancellation amount can be transferred to the seller-side creditor's designated mortgage cancellation account. The registration support device 90 may then notify at least one of the owner terminal 20, the owner-side broker terminal 30, the owner-side creditor terminal 40, the buyer terminal 50, the buyer-side broker terminal 60, the buyer-side lender terminal 70, and the registration application terminal 80 of the result of the determination. The payment of the mortgage cancellation money from the owner-side financial institution system 320 is made after the purchase cost is transferred from the buyer-side financial institution system 330, but may also be made simultaneously with or before the purchase cost is transferred.

[0110] The registration support device 90 connects to each buyer's financial institution system 330 and / or the owner's financial institution system 320 to which the mortgage cancellation amount has been reserved. If it determines that each reserved transfer is possible (the transfer reservation is valid), it applies for real estate registration while suspending the execution of the transfer. The registration support device 90 notifies the registration application terminal 80 of a request to perform a mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration (step S28), and enables applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration (step S29). In this embodiment, the registration support system 10 is linked to the Legal Affairs Bureau's online application system 310. In this case, the data required for registration can be submitted online directly from the registration support device 90 to the online application system 310 without going through the registration application terminal 80.

[0111] The registration applicant sends instructions to the registration support device 90 via the registration application terminal 80 (step S30). As a result, the registration support device 90 submits electronic data for the mortgage or other right cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152), electronic data for the ownership transfer registration (owner-side transfer registration document data 161, buyer-side transfer registration document data 162, and transfer registration application document data 163), and electronic data for the mortgage or other right establishment registration (buyer-side establishment registration document data 171, lender-side establishment registration document data 172, and establishment registration application document data 173) online to the online application system 310 (step S31). At this time, the registration support device 90 stores consent data 101 in which the owner consents to the owner-side creditor disclosing the cancellation registration document data 151 to the agent, so the owner-side creditor can disclose the cancellation registration document data 151 to the agent. Since the transfer is made when all documents necessary for registration are prepared, applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration can be made smoothly and quickly. It is preferable that the applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration are made in one continuous procedure, but they may also be made in separate procedures. Furthermore, applications for each registration may be made from the registration support device 90 without going through the registration application terminal 80.

[0112] The registration support device 90 can simultaneously apply for a mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration by applying for multiple registrations. If the applications for each registration are not made by an agent but by the registration support device 90 based on instructions from the owner or buyer, consent data 101 is not required.

[0113] When there are agents applying for registration, the joint application may be made by one agent on behalf of the other agents, or by each agent individually applying for a joint registration. If there are multiple registration application terminals 80, the registration support device 90 transmits to each registration application terminal 80, before the registration application is made, a selection screen having buttons, etc. for selecting which agent will apply for the joint application on behalf of the other agents, or whether each agent will apply for a joint registration individually. The registration support device 90 may also transmit the selection screen to the terminals of other parties (the owner-side broker terminal 30, the owner-side creditor terminal 40, the buyer terminal 50, the buyer-side broker terminal 60, the buyer-side lender terminal 70, or the registration application terminal 80). Any of the persons to whom the selection screen is transmitted selects, at any timing or a predetermined timing before the registration application is made, which agent will make a representative application for the consecutive registrations or whether each agent will apply for the consecutive registrations individually, by a terminal that he / she uses, and transmits the selection to a registration support device 90.

[0114] When one of the agents sends instructions regarding the consecutive applications on behalf of the agents, the registration support device 90, upon receiving instructions from the registration application terminal 80 selected as the representative, makes it possible to apply for a mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration (step S29). The representative agent sends an instruction to the registration support device 90 to apply for a registration using the registration application terminal 80 (step S30). The registration support device 90 adds a notice of the consecutive application to the cancellation registration application document data 152, transfer registration application document data 163, and establishment registration application document data 173. Next, the registration support device 90 automatically and appropriately sets the order of registrations, and in this embodiment, submits the electronic data required for registration to the online application system 310 in the following order: mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration (step S31).

[0115] When each agent individually applies for a registration in a linked application, the registration support device 90 automatically and appropriately sets the order of the registrations so that the mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration can be applied for in a linked application online. In this embodiment, the registration support device 90 first makes the mortgage cancellation registration available upon receiving an instruction from the registration application terminal 80 of the agent in charge of the mortgage cancellation registration (step S29). When the agent in charge of the mortgage cancellation registration sends an instruction for the registration application via the registration application terminal 80 (step S30), the registration support device 90, upon receiving the instruction, submits electronic data for the mortgage cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152) online to the online application system 310 (step S31). Next, the registration support device 90 receives the acceptance number for the mortgage or other right cancellation registration online from the online application system 310.

[0116] Next, upon receiving instructions from the registration application terminal 80 of the agent in charge of the ownership transfer registration, the registration support device 90 prepares a status for application for ownership transfer registration (step S29). When the agent in charge of the ownership transfer registration sends a registration application instruction via the registration application terminal 80 (step S30), the registration support device 90, upon receiving the instruction, automatically adds to the transfer registration application document data 163 a note indicating that the registration is related to the mortgage cancellation registration for the real estate, the date of the mortgage cancellation registration, and the reception number, and submits the electronic data for the ownership transfer registration (owner's transfer registration document data 161, buyer's transfer registration document data 162, and transfer registration application document data 163) online to the online application system 310 (step S31). Next, the registration support device 90 receives the reception number for the ownership transfer registration online from the online application system 310.

[0117] Next, upon receiving instructions from the registration application terminal 80 of the agent in charge of the mortgage registration, the registration support device 90 makes it possible to apply for the mortgage registration (step S29). When the registration applicant in charge of the mortgage registration sends a registration application instruction via the registration application terminal 80 (step S30), the registration support device 90, upon receiving the instruction, automatically adds to the registration registration application document data 173 a note indicating that the registration is a linked case with the ownership transfer registration of the real estate, the date of the ownership transfer registration, and the reception number, and submits the electronic data for the mortgage registration (buyer-side registration document data 171, lender-side registration document data 172, and registration registration application document data 173) to the online application system 310 online (step S31). This allows the registration support device 90 to apply for the mortgage cancellation registration, ownership transfer registration, and mortgage registration in a linked case online. In addition, even when one of the agents who are registration applicants applies for multiple registrations on behalf of the other agents, the registration support device 90 may submit registration applications to the online application system 310 in order, automatically notating that the applications are multiple registrations with the previous registration, the date and reception number of the previous registration, just as in the case where each agent applies for multiple registrations individually as described above.

[0118] The registration support device 90 may enable online applications for mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration via the registration application terminal 80. In this case, the registration application terminal 80 is linked to the online application system 310 of the Legal Affairs Bureau. After the registration support device 90 makes it possible to apply for registration (step S29), the data required for registration is transmitted from the registration support device 90 to the registration application terminal 80. Thereafter, the registration applicant receives the data via the registration application terminal 80 and submits an online application from the registration application terminal 80 to the online application system 310.

[0119] Note that steps S28 to S30 may be performed by a registration application terminal 80 (such as the owner terminal 20 or the buyer terminal 50) other than that of the agent. Alternatively, after receiving the procedure progress instruction data 181, the registration support device 90 may perform the mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration in the online application system 310 without receiving instructions for the registration application from the registration application terminal 80. In this case, the above-mentioned steps S28 to S30 do not need to be performed. In this case, step S25, which instructs the progress of the procedure, may include instructions for not only executing the transfer but also executing the registration application.

[0120] The registration support device 90 submits electronic data for the registration of cancellation of mortgages, etc., registration of transfer of ownership, and / or registration of establishment of mortgages, etc. online to the online application system 310 (step S31), and then receives notification of the result of the registration application (accepted or not accepted) from the online application system 310.

[0121] When the registration support device 90 receives notification that the mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration have been accepted without any problems (step S32), it connects to each buyer's financial institution system 330 and transmits transfer instruction data 183 to each buyer's financial institution system 330 (step S33). Having received instructions from the registration support device 90, each buyer's financial institution system 330 transfers the purchase amount to the owner's account. Next, the registration support device 90 receives transfer completion notification data 184 from the buyer's financial institution system 330 (step S34).

[0122] After receiving the transfer completion notification data 184, the registration support device 90 connects to the owner's financial institution system 320 of each account to which the money has been transferred, and receives from each owner's financial institution system 320 the transfer completion notification data 185 containing information such as the sender, the amount received, and the date and time of transfer (step S35). The registration support device 90 then checks whether the amount transferred to each account is appropriate.

[0123] Note that the registration support device 90 does not need to receive the money receipt completion notification data 185 from the owner's financial institution system 320 as long as it can receive the transfer completion notification data 184 from the buyer's financial institution system 330. The registration support device 90 can be set so as not to receive the money receipt completion notification data 185 from the owner's financial institution system 320.

[0124] Next, the transfer management unit 180 connects to the owner's financial institution system 320, which has been reserved for the transfer of the cancellation money, and transmits the cancellation money transfer instruction data 186 (step S36). The transfer management unit 180 receives a notification from the owner's financial institution system 320 indicating that the mortgage cancellation amount has been transferred to the specified transfer account.

[0125] Next, the registration support device 90, through the status management unit 210, transmits information indicating that the registration and transfer have been completed to at least one of the owner terminal 20, the owner-side intermediary terminal 30, the owner-side creditor terminal 40, the buyer terminal 50, the buyer-side intermediary terminal 60, the buyer-side lender terminal 70, and the registration application terminal 80 (step S37). After this, if necessary, the agent will mail to the Legal Affairs Bureau the original of the electronic data that was submitted to the Legal Affairs Bureau via the online application system when applying for registration.

[0126] After receiving the transfer completion notification data 184 or the receipt completion notification data 185, the registration support device 90 can transmit electronic data of the owner's receipt to the buyer terminal 50 and transmit electronic data of a copy of the receipt to the owner terminal 20 (step S38). The owner can arbitrarily change the receipt settings of the registration support device 90 using the owner terminal 20. For example, if the buyer is set to directly transfer the cancellation amount to the owner-side creditor's cancellation transfer account, it may appear that the buyer first transfers the amount to the owner, and then the owner transfers the amount to the owner-side creditor, but in reality, no history is left in the owner's account. Therefore, in order to prove the actual flow of money, even if the cancellation amount is directly transferred from the buyer to the owner-side creditor's account, it can be used as a receipt from the owner to the buyer.

[0127] When the registration support device 90 receives notification that at least one of the mortgage cancellation registration, ownership transfer registration, or mortgage establishment registration has been rejected (step S32), the registration support device 90 decides not to execute the transfer without transmitting the transfer instruction data 183. Next, the registration support device 90 transmits, via the transfer management unit 180, information indicating that the registration was rejected and the transfer was not performed to at least one of the owner terminal 20, the owner-side broker terminal 30, the owner-side creditor terminal 40, the buyer terminal 50, the buyer-side broker terminal 60, the buyer-side lender terminal 70, and the registration application terminal 80 (step S39). This completes the registration information change support of the registration support system 10. Note that the registration support device 90 may suspend transmission of the transfer instruction data 183 to the buyer-side financial institution system 330 rather than deciding not to execute the transfer. For example, if the documents etc. can be corrected so that the registration application can be accepted, the registration support device 90 may hold the transfer without deciding not to execute it, and after the registration is accepted again after correcting the documents etc., it may send transfer instruction data 183 to the buyer's financial institution system 330 to release the hold on the transfer to the owner's account and execute the transfer.

[0128] As described above, the registration support device 90 and the registration support method temporarily hold the transfer of the real estate purchase cost in the registration support device 90 when the transfer is valid (when there is no problem with the balance), and then release the hold and transfer the money when the ownership transfer registration is accepted, so that the process from ownership transfer registration to completion of the transfer can be carried out safely and easily with a small time lag. Furthermore, the registration support device 90 and the registration support method release the hold on the transfer and do not transfer the money when the ownership transfer registration is rejected, so that it can effectively prevent the ownership transfer registration from being rejected even though the buyer has transferred the real estate purchase cost to the real estate owner's account.

[0129] Furthermore, the registration support device 90 and the registration support method can complete the preparation of necessary documents required for real estate sales and purchases, payment of the purchase price, and registration application to the Legal Affairs Bureau in a single system (such as a blockchain), making it possible to safely and easily carry out ownership transfer registration and payment of the purchase price.

[0130] Furthermore, the registration support device 90 and the registration support method are highly convenient because ownership transfer registration and payment can be performed without using a management account or management company.

[0131] Furthermore, the registration support device 90 and the registration support method allow the status of all procedures (who has performed the procedure, pending procedure, in process, procedure completed, remittance completed, receipt of funds completed, etc.) to be checked on the system.

[0132] Second Embodiment As shown in FIG. 5 , the registration support device 90 according to the second embodiment differs from the first embodiment in that the account to which the buyer transfers the purchase amount is an intermediary account, not the owner's account, and the real estate registration application is made by the registration support device 90. Note that, as in the first embodiment, the real estate registration application may be made by the registration applicant from the registration application terminal 80. The intermediary financial institution system 340, which is the online system of the financial institution where the intermediary account is opened, can transfer money online to and from other financial institutions using a settlement network. The intermediary account may also be an escrow account.

[0133] The control flow of the registration support method by the registration support device 90 according to the second embodiment will be described with reference to FIGS. 6 to 8. Here, an example will be described in which an application for registration of cancellation of mortgages, ownership transfer registration, and registration of establishment of mortgages, etc. is made. A mortgage, etc. is registered on real estate owned by an owner, and a buyer purchases the real estate by obtaining a loan from a lender. Note that there are cases in which a mortgage, etc. is not registered on real estate owned by an owner. There are also cases in which a buyer purchases real estate without obtaining a loan from a lender.

[0134] The registration support device 90 is capable of accepting transmission of each data to the registration support device 90 from the owner, the owner's broker, the owner's financial institution, the buyer, the buyer's broker, the buyer's financial institution, and the intermediary financial institution where the intermediary account has been opened, in a state where all document data necessary for application for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration have not been prepared, i.e., before settlement of the real estate transaction (step S101). The registration support device 90 transmits an input screen to the terminals involved in the transaction so that each terminal can transmit the data it plans to transmit.

[0135] When signing a real estate sales contract or making a settlement, the owner transmits owner identity verification data 111 from the owner terminal 20 to the identity verification data management unit 110 (step S102). The registration support device 90 receives and stores the owner identity verification data 111 from the owner terminal 20 via the identity verification data management unit 110.

[0136] Furthermore, after entering into a real estate sales contract but before settlement, the owner transmits contact data 121 from owner terminal 20 indicating that the sales contract has been finalized and the settlement date (step S103). Registration support device 90 receives and stores contact data 121 from owner terminal 20 via contact management unit 120. Note that contact data 121 may also be transmitted to registration support device 90 from other terminals (e.g., owner-side broker terminal 30, owner-side creditor terminal 40, buyer terminal 50, buyer-side broker terminal 60, or buyer-side lender terminal 70). Registration support device 90 transmits the information contained in contact data 121 to all terminals involved in the transaction (owner terminal 20, owner-side broker terminal 30, owner-side creditor terminal 40, buyer terminal 50, buyer-side broker terminal 60, and buyer-side lender terminal 70) (step S104).

[0137] When the owner-side creditor receives contact data 121 including settlement date information via owner-side creditor terminal 40, he calculates the amount to be cancelled of the mortgage, etc., based on the settlement date and interest rate, and transmits cancellation amount, etc. data 131, including the cancellation amount and the bank account, from owner-side creditor terminal 40 to cancellation amount information management unit 130 (step S105). Upon receiving cancellation amount, etc. data 131 via cancellation amount information management unit 130, registration support device 90 stores the data. Furthermore, the owner-side creditor transmits cancellation registration document data 151 and cancellation registration application document data 152 via owner-side creditor terminal 40 (step S106). Registration support device 90 receives and stores cancellation registration document data 151 and cancellation registration application document data 152 via cancellation registration document management unit 150 from owner-side creditor terminal 40. In addition, if the security of the cancellation registration document data 151 and the cancellation registration application document data 152 is ensured, the owner's creditor may be able to send the cancellation registration document data 151 and the cancellation registration application document data 152 from the owner's creditor terminal 40 before confirming the buyer's transfer reservation and the owner's transfer reservation for the cancellation amount.

[0138] After receiving the cancellation amount data 131, the registration support device 90 transmits the information included in the cancellation amount data 131 to the owner terminal 20 (step S107). This allows the owner to obtain the cancellation amount of the mortgage, etc. and information on the transfer account for cancellation.

[0139] When registration support device 90 receives cancellation registration document data 151, it makes the information that cancellation registration document data 151 is stored and saved available for viewing from all terminals involved in the transaction (owner terminal 20, owner-side intermediary terminal 30, owner-side creditor terminal 40, buyer terminal 50, buyer-side intermediary terminal 60, buyer-side lender terminal 70, and registration application terminal 80). Registration support device 90 uses a program such as AI to check whether there are any problems with cancellation registration document data 151.

[0140] After receiving the information contained in the cancellation amount etc. data 131 but before settlement, the owner transmits owner-side denomination information data 141, including one or more deposit accounts and transfer amounts, from the owner terminal 20 to the denomination information management unit 140 (step S108). The registration support device 90 receives and stores the owner-side denomination information data 141 from the owner terminal 20 via the denomination information management unit 140. The deposit accounts in the owner-side denomination information data 141 may include an account for mortgage cancellation (account of the owner-side creditor). The owner may also notify the buyer of the deposit account information by another method that does not involve the registration support device 90.

[0141] Furthermore, before settlement, the owner transmits owner-side transfer registration document data 161 and transfer registration application document data 163 from owner terminal 20 to transfer registration document management unit 160 (step S109). Registration support device 90 receives and stores owner-side transfer registration document data 161 from owner terminal 20 via transfer registration document management unit 160.

[0142] When signing a real estate sales contract or making a settlement, the buyer transmits buyer identity verification data 112 from the buyer terminal 50 to the identity verification data management unit 110 (step S110). This allows the system to confirm that the buyer carrying out the procedure is the buyer in question. The registration support device 90 receives and stores the buyer identity verification data 112 from the buyer terminal 50 via the identity verification data management unit 110.

[0143] Before settlement, the buyer transmits buyer-side denomination information data 142, including one or more of the buyer's accounts and the transfer amount, from the buyer terminal 50 to the denomination information management unit 140 (step S111). The registration support device 90 receives and stores the buyer-side denomination information data 142 from the buyer terminal 50 via the denomination information management unit 140. The buyer's accounts in the buyer-side denomination information data 142 may also include accounts into which the loan funds are deposited.

[0144] Furthermore, before settlement, the buyer transmits buyer-side transfer registration document data 162 from the buyer terminal 50 (step S112), and also transmits buyer-side establishment registration document data 171 and establishment registration application document data 173 (step S113). The registration support device 90 receives the buyer-side transfer registration document data 162 from the buyer terminal 50 via the transfer registration document management unit 160, and receives and stores the buyer-side establishment registration document data 171 via the mortgage, etc. establishment registration document management unit 170.

[0145] Before settlement, the buyer-side lender transmits the lender-side registration document data 172 via the buyer-side lender terminal 70 (step S114). The registration support device 90 receives and stores the lender-side registration document data 172 from the buyer-side lender terminal 70 via the mortgage etc. registration document management unit 170. The buyer-side lender terminal 70 is not necessarily required.

[0146] For each data item received, the registration support device 90 transmits to the designated terminals (e.g., all relevant parties' terminals 20, 30, 40, 50, 60, and 70) a display indicating whether the data exists, a display indicating the date and time of transmission, information indicating that the stored data has not been changed, and, if the transmitted data has been changed, information indicating the fact that the data has been changed (e.g., a display indicating the date and time of the change). This allows the owner, owner's broker, owner's creditor, buyer, buyer's broker, and buyer's lender to check the status of the collection of data necessary for registration from their own terminals. Furthermore, if the stored data is modified, deleted, or replaced, the registration support device 90 allows the owner, owner's broker, owner's creditor, buyer, buyer's broker, and buyer's lender to confirm the modification, deletion, or replacement. The registration support device 90 then verifies each piece of data using a program such as AI (artificial intelligence) and certifies that the data is correct. If the registration support device 90 finds any problematic data through the check, it can send a notification to the terminal of the creator of the data, urging them to make corrections.

[0147] After the data is approved, the registration support device 90 transmits the approval of the data to the terminals 20, 30, 40, 50, 60 and 70 of all the parties concerned using characters, colors, symbols, etc. (step S115).

[0148] The registration support device 90 checks whether the data required for the registration of the cancellation of mortgages, etc. (cancellation registration document data 151 and cancellation registration application document data 152), the data required for the registration of transfer of ownership (owner's transfer registration document data 161, buyer's transfer registration document data 162 and transfer registration application document data 163), and the data required for the application for the registration of the establishment of mortgages, etc. (buyer's establishment registration document data 171, lender's establishment registration document data 172 and establishment registration application document data 173) are all collected and whether there are any problems using a program such as AI. After determining that all documents are complete and acceptable, the registration support device 90 receives approval from the terminals 20, 30, 40, 50, 60, and 70 of all parties involved in the transaction by selecting buttons, check boxes, etc., to proceed with the procedures (registration and settlement), and disables the modification, deletion, and replacement of each data item (at least the data required for the aforementioned mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration) (step S116). This preserves each data item in its approved state. Next, the status management unit 210 notifies each of the parties' terminals 20, 30, 40, 50, 60, and 70 that the mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration are now possible (step S117).

[0149] If there is a registration applicant (e.g., a registration agent), approval of each data may be performed by the registration applicant, as in the first embodiment. Approval of each data may be performed by both the registration support device 90 and the registration applicant using the registration application terminal 80. If there is a registration applicant, the cancellation registration application document data 152, transfer registration application document data 163, and establishment registration application document data 173 may be transmitted from the registration application terminal 80 to the registration support device 90.

[0150] After registration becomes possible, the registration support device 90 transmits a transfer reservation screen that allows the buyer to reserve the start of registration and transfer procedures at a specific time on the settlement date or at any time on the settlement date prior to the scheduled settlement (step S118). The buyer selects a button on the displayed payment instruction screen on the determined settlement date or prior to the settlement date, transmits procedure progress instruction data 181 from the buyer terminal 50, and reserves the transfer (step S119). Upon receiving the procedure progress instruction data 181 from the buyer terminal 50, the registration support device 90 notifies each of the relevant parties' terminals 20, 30, 40, 50, 60, and 70 of the reservation details (starting the transfer and registration procedures at the reserved settlement date and time) (step S120). Note that step S120 of notifying the reservation details does not have to be performed.

[0151] When the registration support device 90 receives the procedure progress instruction data 181, it may connect to each buyer's financial institution system 330 and check whether the scheduled transfer is possible, for example, by performing a balance inquiry, before notifying the buyer of the reservation details (notifying the buyer to proceed with the transfer procedure on the settlement date) (step S120). If there is an account for which a loan is planned but the loan has not yet been granted, it may check whether the scheduled transfer will be possible once the loan is granted. If the registration support device 90 determines that the scheduled transfer is possible based on the information obtained from each buyer's financial institution system 330, it may notify the buyer terminal 50 of the reservation details (notifying the buyer to proceed with the transfer procedure on the settlement date) (step S120). If the registration support device 90 determines that the scheduled transfer is impossible, it may notify the buyer terminal 50 of insufficient balance without notifying the buyer (step S120), or may cancel the procedure.

[0152] If the scheduled settlement date falls on the day and the loan is scheduled to be received but has not yet been processed, the registration support device 90 transmits the loan request data 182 to the buyer-side lender terminal 70 (step S121). Note that when a loan is received, the loan may be processed at any time before the settlement. Therefore, the registration support device 90 does not need to transmit the loan request data 182 to the buyer-side lender terminal 70. For example, the request for loan execution may be made verbally to a person in charge of the lender (e.g., the lending bank) or an agent designated by the lender. Before executing the transfer and registration procedures, the registration support device 90 may connect to each buyer-side financial institution system 330 and, for example, perform a balance inquiry (step S122) to confirm whether the scheduled transfer is possible (step S123). The registration support device 90 may confirm whether the transfer is possible multiple times before executing the scheduled transfer. As a result, if the balance changes between the time the procedure progress instruction data 181 is received and the time the transfer is made, the registration support device 90 can recognize the change and determine whether the scheduled transfer is possible or not. If the scheduled transfer changes from possible to impossible, or if the transfer changes from impossible to possible, the registration support device 90 may be able to notify the relevant parties' terminals 20, 30, 40, 50, 60, 70 of the change. If the scheduled transfer changes from possible to impossible, the registration support device 90 may cancel the progress of the procedure.

[0153] When the reserved settlement date or the scheduled date for the loaned funds arrives, the registration support device 90 may periodically connect to the buyer's financial institution system 330 to which the loaned funds will be transferred and determine whether the loaned funds have been transferred. The registration support device 90 may connect to each buyer's financial institution system 330, and when it determines that the loan has been granted and the reserved transfer is possible from each buyer's financial institution system 330, it may notify at least one of the related party's terminals 20, 30, 40, 50, 60, 70 of this fact.

[0154] Furthermore, when the scheduled settlement date or the scheduled date for the transfer of the loan arrives, the registration support device 90 may connect to at least one owner's financial institution system 320 to which the mortgage cancellation amount will be transferred (step S124). The registration support device 90 may then determine whether the mortgage cancellation amount can be transferred to the seller's creditor's designated mortgage cancellation account (step S125) upon the transfer of the purchase fee. The registration support device 90 may then notify at least one of the related parties' terminals 20, 30, 40, 50, 60, and 70 of the result of this determination. The payment of the mortgage cancellation amount from the owner's financial institution system 320 is made after the purchase fee is transferred from the buyer's financial institution system 330, but may also be made simultaneously with or before the purchase fee is transferred.

[0155] The registration support device 90 connects to each buyer's financial institution system 330 and / or the owner's financial institution system 320 for which the transfer of the amount for the cancellation of the mortgage, etc., is reserved, and if it determines that each reserved transfer is possible (the transfer reservation is valid), it connects to each buyer's financial institution system 330 and sends transfer instruction data 183 to each buyer's financial institution system 330 (step S126). Each buyer's financial institution system 330 that receives the instruction from the registration support device 90 transfers the purchase amount to the relay account. Next, the registration support device 90 receives transfer completion notification data 184 from the buyer's financial institution system 330 (step S127).

[0156] If a transfer of the purchase amount to the relay account has not been scheduled, the registration support device 90 connects to each buyer's financial institution system 330 based on instructions from the buyer terminal 50 and transmits transfer instruction data 183 to each buyer's financial institution system 330 (step S126).

[0157] In addition, the transfer of the purchase amount from the buyer's financial institution system 330 to the relay account may be carried out by an instruction from the buyer's terminal 50 to the buyer's financial institution system 330, or by an instruction from the buyer to the buyer's financial institution outside of this registration support system 10.

[0158] The registration support device 90 connects online to the relay financial institution system 340 where the relay account is opened and confirms the transfer to the relay account (step S128). When the registration support device 90 confirms the transfer to the relay account, it submits a real estate registration application. The registration support device 90 may confirm the transfer to the relay account and, prior to the real estate registration application, determine whether the mortgage cancellation amount will be transferred to the mortgage cancellation account designated by the seller's creditor if the purchase price is transferred from the relay financial institution system 340. If the registration support device 90 determines that the mortgage cancellation account will not be transferable, it does not submit a registration application, but instead connects online to the relay financial institution system 340 and transmits refund instruction data instructing a refund from the relay account to the buyer's account designated for refunds. When the registration support device 90 determines that the mortgage cancellation account will be transferable, it submits a real estate registration application.

[0159] The registration support device 90 submits electronic data for the mortgage cancellation registration (cancellation registration document data 151 and cancellation registration application document data 152), electronic data for ownership transfer registration (owner-side transfer registration document data 161, buyer-side transfer registration document data 162, and transfer registration application document data 163), and electronic data for mortgage establishment registration (buyer-side establishment registration document data 171, lender-side establishment registration document data 172, and establishment registration application document data 173) online to the online application system 310 (step S129). Once all documents necessary for registration are collected, the funds are transferred to the relay account, allowing smooth and rapid applications for mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration. It is preferable that the applications for the mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration are made in one continuous procedure (consolidated application), but they may also be made in separate procedures. The mortgage cancellation registration is made before the ownership transfer registration, and the mortgage establishment registration is made after the ownership transfer registration. The mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration may also be made approximately simultaneously.

[0160] The registration support device 90 submits electronic data for the registration of cancellation of mortgages, etc., registration of transfer of ownership, and / or registration of establishment of mortgages, etc. online to the online application system 310 (step S129), and then receives notification of the result of the registration application (accepted or not accepted) from the online application system 310.

[0161] When the registration support device 90 receives notification that the mortgage cancellation registration, ownership transfer registration, and mortgage establishment registration have been accepted without any problems (step S130), it connects to the relay financial institution system 340 and transmits relay transfer instruction data 187 to the relay financial institution system 340 (step S131). Upon receiving the instruction from the registration support device 90, the relay financial institution system 340 transfers the purchase amount to the owner's account. Next, the registration support device 90 receives relay transfer completion notification data 188 from the relay financial institution system 340 (step S132).

[0162] After receiving the relay transfer completion notification data 188, the registration support device 90 connects to the owner's financial institution system 320 of each account to which the money has been transferred, and receives from each owner's financial institution system 320 the money arrival completion notification data 185 containing information such as the sender, the amount received, and the date and time of transfer (step S133). The registration support device 90 then checks whether the amount transferred to each account is appropriate.

[0163] Note that the registration support device 90 does not need to receive the money arrival completion notification data 185 from the owner side financial institution system 320 as long as it receives the relay transfer completion notification data 188 from the relay financial institution system 340. The registration support device 90 can be set so as not to receive the money arrival completion notification data 185 from the owner side financial institution system 320.

[0164] Next, the transfer management unit 180 connects to the owner-side financial institution system 320 for which the transfer of the cancellation money has been reserved, and transmits cancellation money transfer instruction data 186 (step S134). The transfer management unit 180 receives cancellation money transfer completion notification data 189 from the owner-side financial institution system 320, indicating that the mortgage cancellation amount has been transferred to the designated transfer account (step S135). Note that at least a portion of the cancellation money may be automatically debited to the owner-side creditor from the account of the owner-side financial institution to which it was transferred from the relay account. In particular, automatic debiting may occur when the owner-side creditor is the owner-side financial institution.

[0165] Next, the registration support device 90 uses the status management unit 210 to send information indicating that the registration and transfer have been completed to the terminals 20, 30, 40, 50, 60, and 70 of all parties involved (step S136). Thereafter, if necessary, the owner, owner-side creditor, buyer, buyer-side lender, or registration applicant mails to the Legal Affairs Bureau the original of the electronic data that was submitted to the Legal Affairs Bureau via the online application system when applying for registration.

[0166] After receiving the transfer completion notification data 184 or the receipt completion notification data 185, the registration support device 90 can transmit electronic data of the owner's receipt to the buyer terminal 50 and transmit electronic data of a copy of the receipt to the owner terminal 20 (step S137). The owner can arbitrarily change the receipt settings of the registration support device 90 using the owner terminal 20. For example, if the setting is such that the cancellation amount is transferred directly from the relay account to the owner's creditor's cancellation account, the buyer may transfer the amount to the owner via the relay account, and then the owner may transfer the amount to the owner's creditor. However, no transaction history is recorded in the owner's account. Therefore, in order to prove the actual flow of the money, the registration support device 90 can use the receipt from the owner to the buyer even if the cancellation amount was transferred directly from the relay account to the owner's creditor's account.

[0167] Furthermore, for example, in the case of a setting in which the cancellation money is transferred directly from the relay account to the cancellation account of the owner-side creditor, the transfer management unit 180 can change the description of the transferor to the owner before transferring the money. The transfer management unit 180 can receive data from the owner terminal 20 or the owner-side creditor terminal 40 instructing whether or not to change the description of the transferor to the owner.

[0168] When the registration support device 90 receives notification that at least one of the mortgage cancellation registration, ownership transfer registration, or mortgage establishment registration has been rejected (step S130), the registration support device 90 decides not to execute the transfer without transmitting the relay transfer instruction data 187 to the relay financial institution system 340. The registration support device 90 connects online to the relay financial institution system 340 and transmits refund instruction data 190 instructing a refund from the relay account to the buyer's account designated for refund (step S138).

[0169] The intermediary financial institution system 340 transfers the purchase amount to the buyer's account upon receiving the instruction from the registration support device 90. Next, the registration support device 90 receives the refund transfer completion notification data 191 from the intermediary financial institution system 340 (step S139).

[0170] After receiving the refund transfer completion notification data 191, the registration support device 90 connects to the buyer's financial institution system 330 of each account to which the money has been transferred, and receives refund completion notification data 192 from each buyer's financial institution system 330, including information such as the sender, the amount received, and the date and time of transfer (step S140). The registration support device 90 then checks whether the amount transferred to each account is appropriate.

[0171] Note that the registration support device 90 does not need to receive the refund completion notification data 192 from the buyer's financial institution system 330 as long as it receives the refund transfer completion notification data 191 from the relay financial institution system 340. The registration support device 90 can be configured not to receive the refund completion notification data 192 from the buyer's financial institution system 330.

[0172] Next, the registration support device 90 transmits, via the transfer management unit 180, information to all relevant party terminals 20, 30, 40, 50, 60, and 70 indicating that the registration was rejected and the transfer was not made (step S141). This completes the registration support system 10's support for changing the registration information. Note that, if the registration is rejected, the registration support device 90 may suspend transmission of the relay transfer instruction data 187 to the relay financial institution system 340, rather than deciding to refund the buyer without transferring the money from the relay account to the owner. For example, if the registration support device 90 determines using a program such as AI that documents, etc. can be corrected so that the registration application is accepted, it may suspend the decision to refund the money from the relay account to the buyer, and after the documents, etc. are corrected using the program and the registration is re-performed, it may transmit transfer instruction data 183 to the relay financial institution system 340 to release the hold on the transfer to the owner's account and execute the transfer.

[0173] The present invention is not limited to the above-described embodiments, and various modifications can be made by those skilled in the art within the technical spirit of the present invention. For example, the content described in the first embodiment can be applied to the second embodiment. Furthermore, the content described in the second embodiment can be applied to the first embodiment.

[0174] Furthermore, transfers from the buyer's financial institution system to the intermediary financial institution system and from the intermediary financial institution system to the owner's financial institution system may be in crypto assets (virtual currencies), such as stablecoins or Bitcoin. Furthermore, each of the aforementioned transfers may be made in central bank digital currency (CBDC) or other digital currencies. A token-based ledger system may employ a "fixed face value" system, which changes the end user to which an existing token is linked when a CBDC is transferred, a "floating face value" system, which splits and combines existing tokens as needed when a CBDC is transferred, and links the resulting newly created token to an end user, or other systems. Therefore, any institution that can transfer and / or receive crypto assets (virtual currencies) or digital currencies is considered a financial institution in this specification and is capable of transferring funds between accounts. Therefore, a financial institution may be a virtual currency exchange.

[0175] In addition, each piece of data (mainly electronic documents) described herein may be stored non-fungibly using non-fungible token (NFT) technology.

[0176] The owner's side broker terminal 30 may be operated by the owner who operates the owner terminal 20. The buyer's side broker terminal 60 may be operated by the buyer who operates the buyer terminal 50. The broker plays a role in connecting the parties involved to facilitate real estate registration, but real estate registration is possible even without a broker.

[0177] Furthermore, the registration applications that can be made using the registration support system 10 are not limited to applications for registration to cancel mortgages, etc., registration to transfer ownership, and registration to establish mortgages, etc., but may also include applications for registration to change land use, registration to preserve ownership, registration to join, registration to establish a mortgage, registration to establish a joint mortgage, registration to change the address or name of the registered owner, registration to cancel a mortgage, and registration to destroy a building.

[0178] The consent data 101, cancellation registration application document data 152, transfer registration application document data 163, establishment registration application document data 173, and various other powers of attorney, etc., can be electronic contracts as described above, and the contracts can also be cloud data.

[0179] Furthermore, it is more preferable if the registration support device 90 is capable of linking with each core system of real estate companies (owner-side brokers and buyer-side brokers), judicial scriveners, financial institutions (owner-side financial institutions and buyer-side financial institutions), etc. connected to the communication network 300.

[0180] Furthermore, it is more preferable that the registration support device 90 is capable of data linkage with the systems of administrative agencies (ward offices, legal affairs bureaus, tax offices, etc.) connected to the communication network 300. This allows the registration support device 90 to easily obtain necessary documents (e.g., seal certificates, resident cards, fixed asset tax and city planning tax assessment reports, My Number, etc.) and input necessary information for obtaining them from the terminal of the person performing the procedure.

[0181] When making online applications for mortgage cancellation registration, ownership transfer registration, and mortgage cancellation registration, the registration support device 90 may not only make online applications directly to the Legal Affairs Bureau, but may also make online applications indirectly by going through the registration application terminal 80 of a registration agent or through the system of another company.

[0182] DESCRIPTION OF SYMBOLS 10 Registration support system 20 Owner terminal 21 Owner side terminal 30 Owner side intermediary terminal 40 Owner side creditor terminal 50 Buyer terminal 51 Buyer side terminal 60 Buyer side intermediary terminal 70 Buyer side lender terminal 80 Registration application terminal 90 Registration support device 100 Consent data management unit 110 Personal identification data management unit 120 Contact management unit 130 Cancellation amount information management unit 140 Denomination information management unit 150 Cancellation registration document management unit 160 Transfer registration document management unit 170 Mortgage etc. registration document management unit 180 Transfer management unit 200 Registration application management unit 210 Status management unit 300 Communication network 310 Online application system 320 Owner side financial institution system 330 Buyer side financial institution system 340 Intermediary financial institution system

Claims

1. A registration support device that supports changes to registration information associated with the sale and purchase of real estate, the device being capable of communicating via a communications network with an owner's terminal used by the owner of real estate or a person requested by the owner, a buyer's terminal used by the buyer of real estate or a person requested by the buyer, a buyer's financial institution system of a buyer's financial institution that receives requests from the buyer, an online registration system that accepts real estate registration applications, and an intermediary financial institution system in which an intermediary account has been opened; the device having a transfer registration document management unit that receives owner's transfer registration document data necessary for the application for ownership transfer registration prepared by the owner from the owner's terminal and receives buyer's transfer registration document data necessary for the application for ownership transfer registration prepared by the buyer from the buyer's terminal; and a transfer management unit that transmits transfer instruction data to the buyer's financial institution system instructing it to transfer money to the intermediary account. a registration application management unit that, when connecting to the relay financial institution system and confirming a transfer to the relay account, applies for ownership transfer registration to the online registration system via the communication network using the owner's transfer registration document data and the buyer's transfer registration document data; and a registration support device characterized in that, when the registration application management unit receives information indicating that the application for ownership transfer registration to the online registration system has been accepted, the transfer management unit sends relay transfer instruction data to the relay financial institution system to instruct the relay financial institution system to transfer money to the owner's account.

2. The registration support device described in claim 1, characterized in that when the registration application management unit receives information indicating that an application for ownership transfer registration to the online registration system has been rejected, the transfer management unit sends refund instruction data to the intermediary financial institution system instructing the transfer of a refund to at least one of the buyer's accounts.

3. The registration support device described in claim 1 or 2, characterized in that the transfer management unit transmits the transfer instruction data to the buyer's financial institution system after determining that the data necessary for ownership transfer registration, including the owner's transfer registration document data and the buyer's transfer registration document data, have been collected and that the data necessary for the specified transfer has been collected.

4. The registration support device described in claim 1 or 2, characterized in that the transfer management unit receives procedure progress instruction data from the buyer's terminal instructing the progress of the transfer procedure to the relay account in the buyer's financial institution system, and then transmits the transfer instruction data to the buyer's financial institution system.

5. The registration support device described in claim 4, characterized in that the procedure progress instruction data is data instructing that the transfer instruction data be sent immediately to the buyer's financial institution system, or data reserving that the transfer instruction data be sent to the buyer's financial institution system at a specified time.

6. The registration support device is capable of communicating via a communications network with an owner-side creditor terminal used by an owner-side creditor who has the right to prevent the exercise of ownership of real estate, and has a cancellation registration document management unit that receives from the owner-side creditor terminal cancellation registration document data prepared by the owner-side creditor necessary for applying for the cancellation of a registration that prevents the transfer of ownership of real estate, and the registration application management unit applies for a registration to cancel the registration that prevents the transfer of ownership of real estate via the communications network using data necessary for cancellation registration including the cancellation registration document data before or simultaneously with the application for the ownership transfer registration, and the transfer management unit transmits cancellation money transfer instruction data to the relay financial institution system in which the relay account is located or the owner financial institution system in which the owner's account is located, instructing a transfer of money to at least one account of the owner-side creditor.

7. A registration support method for supporting an application for real estate registration to an online registration system by a registration support device connectable to a communications network, comprising the steps of: receiving, from an owner's terminal used by the owner of the real estate or a person requested by the owner, owner-side transfer registration document data necessary for the application for ownership transfer registration prepared by the owner; receiving, from a buyer's terminal used by the buyer of the real estate or a person requested by the buyer, buyer-side transfer registration document data necessary for the application for ownership transfer registration prepared by the buyer; sending transfer instruction data to a buyer's financial institution terminal used by a buyer's financial institution that receives the request from the buyer, instructing the execution of a transfer to an intermediary account; and, when connecting to an intermediary financial institution system in which the intermediary account has been opened and confirming the transfer to the intermediary account, applying for ownership transfer registration to the online registration system via the communications network using the owner-side transfer registration document data and the buyer-side transfer registration document data. A registration support method characterized by comprising a step of, when information indicating that an application for ownership transfer registration to the online registration system has been accepted is received from the online registration system, sending relay transfer instruction data to the relay financial institution system instructing the relay financial institution system to transfer money to the owner's account.

Images