KR100849744B1 - System for intermediating and managing real estate transaction through network and method for the same - Google Patents

Abstract

According to the present invention, in a real estate lease brokerage management system, in which a plurality of client computers including first and second client computers and at least one server are interconnected via a network, real estate lease intermediation between a landlord and a tenant performed by the server A method is provided. The method of the present invention comprises the steps of: receiving a first contract term from the first client computer, receiving a second contract term from the second client computer, comparing the first and second contract terms with each other; Determining whether the first and second contract terms match, and if the first and second contract conditions are found to be inconsistent in the determining step, the contract adjusted based on the first and second contract terms Generating a condition, sending the generated adjusted agreement to the first and second client computers and receiving a consent message for the adjusted agreement from both the first and second client computers, Determining that a contract has been established with the adjusted contract terms.

Lease, real estate brokerage, contract mismatch, financial technique, decentralized system

Description

Real estate lease brokerage and management system through network and method thereof {SYSTEM FOR INTERMEDIATING AND MANAGING REAL ESTATE TRANSACTION THROUGH NETWORK AND METHOD FOR THE SAME}

1 is a block diagram of a real estate lease brokerage management distributed system according to an exemplary embodiment of the present invention.

2 is an exemplary functional block diagram of the conditional adjustment server shown in FIG. 1;

3 is a flow diagram illustrating an exemplary process for reconciling a conditional mismatch between a landlord and a tenant using a real estate lease brokerage management distributed system in accordance with the present invention.

<Description of Drawings on Main Parts of Drawings>

102: client computer

104: Contract Mediation Server

106: Registered Property Information Database

108: account management server

110: account information database

112: real estate management server

114: Real Estate Information Database

116: network

118: server cluster

The present invention relates to a real estate transaction system and method through a network, and more particularly, to a system and method for brokering and managing a real estate lease through a network.

Conventional real estate brokerage services are requested by the person who wants to sell or rent the property to the real estate agent near the real estate location to provide information on the sale or lease of the property to be brokered, and the broker who has been commissioned is the person who wants to buy the property. If the person who wants to rent a house visits the business, they will introduce the property and make a contract between them. However, such a conventional offline brokerage service has a limit to find an optimal counterparty by providing trading or leasing information to a large number of ordinary people in real time because the trader must visit the brokerage agency directly. There was a problem that takes a long time.

In recent years, in order to solve the high cost and low efficiency problems of the conventional offline mediation service, and further improve the quality of the service itself, an online mediation service that connects a mediator service user and a broker using a computer and a network has been utilized. Real estate e-commerce using the Internet is considered to have great market potential as the penetration rate of computers and the population of the Internet increase.In particular, the characteristics of the universal accessibility, interactiveness and real-time information transmission of the Internet are different from those of the conventional offline brokerage services. It is expected to offer completely new possibilities. Moreover, real estate transactions using the Internet are becoming a new means of overcoming the constraints of time and space, and with the exponential growth of Internet users, ultimately larger than existing real estate transactions and brokerage markets. It is a common observation that it will grow.

However, despite the advantages described above, the existing online real estate e-commerce service still has some problems as follows.

First, if the lease requirements are different between the landlord and the tenant in the process of real estate lease through the network, the contract is difficult to be concluded, and the landlord and the tenant repeatedly try to trade until the contract is established under the lease terms agreed by both parties. You must endure the hard work that must be done.

Second, the transaction party must bear all the risks related to the lease, such as the credit risk at the beginning of the lease, the risk of refunding the deposit when the lease expires, and the risk of payment promise if the monthly rent is to be paid.

Third, even if a tenant or tenant intends to change the current contract terms due to fluctuations in the rent deposit price due to changes in the housing market environment, even after making a lease contract, it is often terminated by termination of the contract. In such cases, the landlord may not be able to return the security deposit to the tenant due to lack of funds if a new tenant does not appear.

In the current lease contract, the tenant's rights are protected at low cost by the housing lease protection law and the commercial lease protection law at low cost, such as reporting a fixed date or tax office. There is no system to reduce the financial risks arising from credit risk issues or the lender's lack of credit. Therefore, it is a system that smoothly resolves the discrepancy of contract requirements and enables the financial institution to play the role of a so-called escrow, which performs the money management function, thereby greatly reducing the credit risk of the tenant and ensuring the stability of the contract. Is required.

The present invention has been made to solve the above problems, an object of the present invention is to provide a real estate leasing management system and method for resolving the inconsistency of the requirements presented by the lessor and the lessee.

Another object of the present invention is to provide a real estate leasing management system and method that makes secure and cheap lease contracts by utilizing various financial techniques, such as loans, deposits, interest rates, and credits.

It is still another object of the present invention to provide a real estate leasing management system and method for efficiently managing a real estate lease contract by a tenant, a tenant and a financial institution (eg, a bank) participating as a contracting party through a network.

Still another object of the present invention is to provide a real estate leasing management system and method for providing a landlord with an opportunity to meet various tenants so as to easily solve a rental problem and promote various financial benefits.

According to one aspect of the present invention for achieving the above object, in a real estate lease brokerage management system in which a plurality of client computers and at least one server including first and second client computers are interconnected via a network, A method of real estate lease intermediation is provided between a tenant and a tenant, the method comprising: receiving a first contract condition from the first client computer, receiving a second contract condition from the second client computer, Comparing the first and second contract terms with each other to determine whether the first and second contract conditions are matched; if the first and second contract conditions are determined to be inconsistent at the determining step, Generating adjusted terms based on the terms of the first and second contracts; Transmitting to the first and second client computers and upon receiving a consent message for the adjusted terms from both the first and second client computers, determining that a contract has been established with the adjusted terms It includes.

According to an embodiment of the present invention, the step of generating the adjusted terms and conditions, based on the information data about the real estate for rent stored in at least one database, the inconsistency of the first and second terms and conditions of the financial institution Complementary steps include financial techniques.

According to another embodiment of the present invention, the information data about the real estate for lease includes the value of the real estate for lease, the corresponding financing limit, the lease deposit price and the monthly rent price.

According to another embodiment of the present invention, the commercial method further includes the server opening the accounts of the tenant and the tenant if it is determined that the contract has been established under the adjusted terms.

According to another aspect of the present invention, there is provided a real estate lease brokerage management system wherein a plurality of client computers including first and second client computers and at least one server for brokering a real estate lease between a landlord and a tenant are interconnected via a network. The server may include receiving means for receiving first and second contract terms from first and second client computers, respectively, and comparing the first and second contract terms with each other to determine the first and second contract terms. Discriminating means for determining whether or not a match, if said first and second contract conditions are determined to be inconsistent by said discriminating means, generating an adjusted contract condition based on said first and second contract conditions Generating means for transmitting the generated adjusted contract terms to the first and second client computers and And receiving a consent message for the adjusted terms and conditions from both the first and second client computers, and determining means for determining that a contract has been established with the adjusted terms.

The above and other objects, advantages and features of the present invention will become apparent from the following detailed description, which is disclosed with reference to the accompanying drawings, which illustrate certain embodiments of the present invention.

1 is a block diagram of a real estate lease brokerage management distributed system according to an exemplary embodiment of the present invention. The real estate lease brokerage management distributed system 100 includes a plurality of client computers 102, a registered real estate information database 106, an account information database 110, a real estate information database 114, and a contract condition adjustment server 104, an account. Server cluster 118 including management server 108 and real estate management server 112.

A number of client computers 102 are ultimately referred to as tenant computers and tenant computers, with each server 104, 108 or 112 included in the server cluster 118 typically being a remote computer accessible on a communication medium such as the Internet. This is the system. Each component of the distributed system 100 described above is interconnected by a network 116 (eg, the Internet). The client computer 102 of the present invention and the conditional adjustment server 104, the account management server 108, and the real estate management server 112 in the server cluster 118 may be connected together through many different types of networks. have. Such networks include LANs, WANs, and local networks accessed by telephone lines.

The client computer 102 may enter information about the property the landlord intends to rent over the network 116 and the desired lease conditions (eg, contract type (rental or monthly rent), lease deposit amount, monthly rent amount, etc.), The tenant is used to retrieve the real estate and related information registered in the contract condition adjusting server 104 and input the desired lease conditions for the retrieved real estate. The client computer 102 sends the entered lease condition or lease condition through the network 116 to the contract condition adjustment server 104.

Client computer 102 may be an existing personal computer, workstation or other sized computer system and may be installed in a home or in a real estate agent. When the client computer 102 is installed in a real estate brokerage agency, the broker manages the lease for sale and adjusts the various demands of the landlord and tenant through the financial institution. Each client computer 102 typically includes one or more processors, memory, input / output devices, and network interfaces. Client computer 102 may communicate with various network information providers, including contract coordination server 104, via network 116.

The real estate information database 114 stores information on real estate prices, loan limits, rent deposit prices, monthly rent prices, etc., surveyed and prepared by the financial institution. The real estate management server 112 retrieves real estate information about the real estate stored in the real estate information database 114 in response to a request for retrieving a specific real estate from the contract condition adjusting server 104, and then reconciles the real estate information about the real estate stored in the real estate information database 114. To send).

The contract condition adjustment server 104 compares the tenant's lease conditions with the tenant's lease conditions received from the client computer, and adjusts the inconsistencies that exist between them. As a result of the comparison between the lease condition and the lease condition, when it is determined that both match, the contract condition adjustment server 104 transmits a contract establishment notice message to the client computer 102 of the landlord and the tenant. If the comparison of the lease terms with the lease terms determines that the lease terms are inconsistent with the lease terms (i.e., a discrepancy is found for at least one of the various terms and conditions, such as a difference in the amount of rent deposit or rent), The condition adjustment server 104 transmits a request message of information (eg, a charter deposit price, a monthly rent price, etc.) about the property to the property management server 112. When the contract condition adjustment server 104 receives information about the real estate from the real estate management server 112 in response to the request message, based on this information, various financial techniques (eg, loans, deposits, interest rates, credits) Apply to create the adjusted lease conditions and transmit it to the landlord and tenant's respective client computer 102. When the terms coordination server 104 receives a consent message for the adjusted terms from both the tenant and the tenant client computer 102, it provides information about the contracting parties (ie, the tenant and the tenant) needed to open a financial account. Transfer to the account management server 108. In some embodiments, the condition coordination server 104 has previously stored a number of lease requirements received from a plurality of landlord's client computers 102 in the property property database 106 and then the tenant's client 102. If a lease condition is received from the at least one landlord condition among the plurality of stored landlord conditions may be selected to create an adjusted lease condition from them.

2 illustrates an exemplary functional block diagram of a condition coordination server 104. The term coordination server 104 includes a communication interface 202, a processor 204, and a nonvolatile memory 206. The conditional adjustment program 208 that adjusts the discrepancies between the landlord and tenant agreement terms is stored in the nonvolatile memory 206. The communication interface 202 is used to connect to the network 116 or to other servers in the server cluster 118. The processor 204 executes the contract condition adjusting program 208 in the nonvolatile memory 206 as a main processor for the contract condition adjusting server 104. FIG. 2 illustrates only those elements necessary for easy understanding of the present invention, and it is apparent to those skilled in the art that the present invention may further include various elements such as a volatile memory for storing intermediate processing results and the like.

The account management server 108 establishes a landlord and tenant transaction account based on the landlord and tenant information received from the contract condition adjustment server 104 and stores it in the account information database 110. Open landlord and tenant accounts are used by financial institutions to transfer and manage landlord and tenant funds.

In accordance with an exemplary embodiment of the present invention, the plurality of servers 104, 108, and 112 are formed as server clusters 118 and operated by financial institutions (eg, banks), but are not limited thereto, and are physically distributed. It may be arranged and operated by different entities. It should be noted that the functionality of multiple servers 104, 108 and 112 may be implemented by one server.

FIG. 3 is a flow diagram 300 illustrating an exemplary process for reconciling landlord and tenant agreement mismatches using the real estate lease brokerage management distributed system 100 shown in FIG. 1. First, at step 302, the conditional adjustment server 104 receives the lease and lease requirements from the landlord and tenant's client computer 102.

In step 304, the contract condition adjusting server 104 compares the lease condition and the lease condition received in step 302 to determine whether there is a mismatch. If it is determined that there is no inconsistency, the process proceeds to step 312 and, if it is determined that there is a mismatch, proceeds to step 306.

In step 306, the contract condition adjustment server 104 informs the property management server 112 about the property stored in the property information database 114, such as the value of the property for lease, the corresponding loan limit, the lease deposit quote. Requests data such as rent and monthly rent.

In step 308, the contract condition adjustment server 104 uses an appropriate financial technique to establish a relationship between the tenant condition and the tenant condition, based on the information about the property received from the property management server 112 in response to the request in step 306. Create a new contract condition that resolves the discrepancy and send it to the landlord and tenant client computer 102.

Some exemplary implementations of a specific method of generating a new adjustment condition in which the terms adjustment server 104 adjusts the inconsistency of the lease and lease requirements in step 308 are described below.

1. Embodiment 1-Inconsistent Rental Deposit Requirements

In step 304, if the comparison of the lease and lease requirements shows that both requirements are consistent with the charter type but not with the amount of the charter deposit (for example, the lessor wants to receive a 100 million won) If you want to pay a charter deposit of 80 million won, contract terms adjustment server 104, the tenant pays only a portion of the landlord's demand (e.g., 80 million won) and the difference (i.e. 20 million won) from the financial institution. ) Interest rates are much lower than lenders' rents (ie, rent to rents). Currently, when converting from cheonsei to rent, it is usually about 1% per month, but usually about 0.5% for bank loans (6% per annum). Loans to the lessor, and the interest creates an adjustment condition for the tenant to pay the financial institution in the form of rent. In this case, the tenant is able to use the rent which is much cheaper than the real estate lease contract which some rents occur in the present offline.

2. Second Embodiment-Inconsistent Contract Types

As a result of the comparison of the lease and lease requirements, if it is determined that the two requirements are inconsistent with the type of contract (for example, the landlord requires a full rent and the tenant wants a full lease), the contract condition adjustment server 104 Based on the difference between the rent amount in the tenant's requirements and the monthly rent in the tenant's requirements, a fixed monthly amount is set, and the rent is paid to the lessor in the form of monthly rent, with the interest applied to the tenant's lease deposit and the lease deposit. The difference between the monthly amount and the amount paid to the landlord creates an adjustment condition for the contract in the form of monthly rent.

3. Third Embodiment-Inconsistent Rent Amount Requirements

When the comparison of rent and lease requirements determines that the amount of rent on each requirement is inconsistent (for example, the landlord wants a monthly rent of $ 2 million and the tenant wants a monthly rent of $ 1 million per month) The contract condition adjustment server 104 determines the total amount of financial institution loans available (for example, 1 million won per month), and causes the financial institution to loan the amount to the lessor within the determined amount limit (for example, 1 million won per month). Create a reconciliation condition that requires the lessor to pay the landlord a combined total of $ 1 million and loans of $ 1 million per month. When the contract condition adjustment server 104 determines the total amount of the financial institution loan available, the information relating to the real estate stored in the real estate information data 114 to the real estate management server 112 (for example, the current house valuation amount). In response to the request, the loan payment amount and the payment period may be calculated based on the real estate information received from the real estate management server 112.

4. Fourth embodiment-inconsistency in lease contract period

If it is determined that the landlord condition and the tenant condition are inconsistent in the term of the contract (for example, the landlord wants to lease immediately but the tenant does not), then the terms and conditions adjustment server 104 stores the property stored in the property information database 114. Based on the information, it is possible to create an adjustment condition that allows the financial institution to calculate the amount that can be first paid and to prepay that amount to the landlord. In addition, if the tenant tries to terminate the lease due to the termination of the contract or under some conditions, but no new tenant appears, the loan to the tenant at the financial institution to compensate for the problem that the landlord fails to return the deposit to the tenant due to lack of funds. The deposit may be paid in advance. At this time, interest on the prepaid loan amount should be borne by the lender.

5. Fifth Embodiment-Change of Lease Deposit

Even if you want to change the current contract terms between the landlord and the tenant due to fluctuations in the rent deposit price due to changes in the housing market environment, the contract condition adjustment server 104 can adjust the financial inconsistency between the two to solve the deposit difference problem. have. For example, even if the existing tenant terminates the contract due to the decrease in the lease deposit and the new tenant makes a contract with the tenant, the financial institution can bear the difference due to the return of the deposit so that the lease can be maintained smoothly. have.

Referring back to the flowchart of FIG. 3, at step 310, the condition adjustment server 104 receives a message from the landlord and tenant client computer 102 indicating whether or not to agree to the adjusted condition. If the received message indicates that all agree to the adjusted terms, then the process proceeds to step 312 and if either of the lessor or the lessee indicates that they do not agree to the adjusted terms, the process proceeds to step 316.

In step 312, the contract condition adjustment server 104 transmits the contract establishment notice message to the landlord and tenant client computer 102, and simultaneously sends the landlord and tenant information to the account management server 108.

In step 314, the account management server 108 creates a landlord and tenant transaction account based on the landlord and tenant information received from the contract condition adjustment server 104 and registers it in the account information database 110. This allows financial institutions to carry out the transfer and management of the landlord's and tenant's funds through the opened account. For example, while the landlord asks for a deposit of 100 million and the tenant has only 80 million won, the tenant and the tenant have adjusted the terms of the contract, such as the rent of 80 million won and the shortfall of 20 million won. If you agree to the terms of paying the bank loan interest equivalent to the monthly rent, a lease management account is opened for each tenant. The tenant deposits the contract deposit into the opened tenant's account, the financial institution transfers the deposit in advance to the tenant's account, and the contract condition adjustment server 104 stores the loan system operation and balance related information for the difference of 20 million won. . On the date of the balance payment, the lessee deposits a deductible balance in his or her account, and the financial institution operates a loan program to process 20 million won in loans and transfer it to the landlord's account, and the interest on the loaned 20 million won is registered to be withdrawn from the tenant account. . As a result, each month, the lessee pays 20 million won in interest on the tenant's account in the rent, and the bank transfers the account to the loan interest.

At step 316, the condition adjustment server 104 determines that the agreement has not been established, notifies the landlord and tenant through the client computer 102, and then terminates the agreement adjustment process.

Although the present invention has been described in connection with the preferred embodiments with reference to the accompanying drawings, it is understood that various modifications and changes can be made without departing from the spirit and scope of the invention as defined by the following claims. It is obvious to those skilled in the art.

According to the present invention as described above, when the lease contract, the lease amount inconsistency and period mismatch between the lease parties, the risk of credit refund at the beginning of the lease contract and the repayment of the deposit when the lease contract expires, the risks related to the promise of payment in the case of monthly rent Therefore, financial institutions can participate in financial techniques and credits to facilitate smooth and stable implementation of lease contracts.

Claims (14)

In a real estate lease brokerage management system, in which a plurality of client computers including at least one first and second client computers and at least one server are interconnected via a network, a method of real estate lease brokering between a landlord and a tenant performed by the server, Receiving a first contractual term of a landlord from said first client computer; Receiving a second contract term of the tenant side from the second client computer; Comparing the first and second contract terms with each other to determine whether the first and second contract terms are identical; Generating an adjusted contract condition based on the first and second contract conditions when it is determined in the determining step that the first and second contract conditions do not match; Sending the generated adjusted terms to the first and second client computers; And Receiving a consent message for the adjusted terms from both the first and second client computers, determining that a contract has been established with the adjusted terms; The first and second contract conditions include at least one item of a contract type, a contract amount, and a contract period, The step of generating the adjusted contract conditions, comprising the step of supplementing the mismatch between the first contract terms and the second contract terms using a loan system of a financial institution, real estate lease intermediation method. The method of claim 1, The step of generating the adjusted contract conditions, using the information data about the real estate for rent stored in at least one database, real estate lease brokering method. 3. The method of claim 2, wherein the step of generating the adjusted terms of the contract comprises: if the first contract term and the second contract term are in agreement with the contract type, the landlord is willing to receive more than the contract amount of the second contract term. 1 If the contract amount of the contract terms is large, lending the difference to the landlord, and generating an adjusted contract term to receive the interest from the tenant, the real estate lease intermediation method. The method of claim 2, wherein the information data about the real estate for lease includes a value of the real estate for lease and a corresponding financing limit, a lease deposit price and a monthly rent price. 2. The method of claim 1, further comprising the step of opening, by the server, an account for each of the lessor and the lessee if it is determined that a contract has been established with the adjusted terms. The method of claim 1, wherein the financial institution is the tenant. The method of claim 6, wherein the financial institution can secure the lease right as a tenant, and then rent the real estate for rent or rent. A real estate lease brokerage management system, comprising: a plurality of client computers including first and second client computers and at least one server for brokering a real estate lease between a landlord and a tenant, interconnected via a network; The server is Receiving means for receiving first and second terms and conditions respectively from the first and second client computers; Discriminating means for comparing the first and second contract terms with each other to determine whether the first and second contract terms are identical; Generating means for generating an adjusted contract condition based on the first and second contract conditions when it is determined by the discriminating means that the first and second contract conditions do not match; Transmitting means for transmitting the generated adjusted contract condition to the first and second client computers; And Judging means for judging that a contract has been established with the adjusted contract terms upon receiving a consent message for the adjusted contract terms from both the first and second client computers. Including; The first and second contract conditions include at least one item of a contract type, a contract amount, and a contract period, The generating means for generating the adjusted contract condition, the real estate lease intermediation management system that complements the mismatch between the first contract condition and the second contract condition using a loan system of a financial institution. The method of claim 8, And the generating means uses the information data about the real estate for rent stored in at least one database. The method of claim 9, The generating means for generating the adjusted contract condition is that the first contract condition and the second contract condition of the first contract condition that the landlord intends to receive than the contract amount of the second contract condition, although the contract form is identical. Real estate lease brokerage management system, if the contract amount is large, loans the difference to the landlord and the interest is received from the tenant. The real estate lease brokerage management system of claim 9, wherein the information data about the real estate for lease includes a value of the real estate for lease and a corresponding loan limit, a lease deposit quote and a monthly rent quote. The real estate agent according to claim 8, wherein the server further comprises account opening means for opening each account of the tenant and the tenant when the determination means determines that the contract is established under the adjusted contract condition. Lease brokerage management system. The real estate lease brokerage management system according to claim 9, wherein the financial institution is the tenant. The real estate lease brokerage management system according to claim 13, wherein the financial institution can lease the real estate for rent or rent after securing a lease right as a tenant.

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