KR102350522B1 - System for providing contract performance management service for non face-to-face real estate contract - Google Patents

Abstract

Provided is a contract fulfillment service provision system for non-face-to-face real estate contracts. The contract fulfillment service provision system includes: a legal representative terminal delegated from a seller terminal and a buyer terminal having concluded a real estate contract in a non-face-to-face manner, confirming and supplementing at least one required document preset at the time of contract execution, and uploading the result of fulfilling the contract by proxy; and a fulfillment service providing server including a registration unit for registering an electronic document generated after a real estate contract is concluded as an electronic contract in a non-face-to-face manner in the seller terminal and the buyer terminal, an authorization unit for making an authorization contract entrusting to represent the performance of the contract from the terminal of the seller and the terminal of the buyer to the terminal of a legal representative appointed to implement the real estate contract, a delivery unit transmitting a request event for supplementing with the seller terminal or the buyer terminal to the seller terminal or the buyer terminal by checking at least one preset required document after reading the electronic document at the legal representative terminal; and a confirmation unit confirming whether the contract has been fulfilled when the legal representative terminal uploads the result of fulfilling the contract execution by proxy. Therefore, the present invention is capable of building convenience and safety in contract writing and reporting work.

Description

SYSTEM FOR PROVIDING CONTRACT PERFORMANCE MANAGEMENT SERVICE FOR NON FACE-TO-FACE REAL ESTATE CONTRACT

The present invention relates to a system for providing a contract fulfillment service for non-face-to-face real estate contracts, and provides a platform that allows a legal representative to be appointed and the execution of the contract can be delegated after the authorization contract for the agency.

The electronic contract of the real estate transaction electronic contract system is the same as the concept of a contract, however, there is a difference in that the method is made through an electronic document. By applying electronic contract with cutting-edge ICT technology, accredited authentication, electronic signature, and non-repudiation technology are applied to sign real estate electronic contracts online without paper or seal, automatic transaction report and confirmation of date assignment, contract documents such as transaction contracts, confirmations and manuals The electronic real estate transaction contract preparation and execution in an authorized document storage center is collectively referred to as the real estate transaction electronic contract system. When signing a contract after requesting a real estate broker for the purpose of changing the trade, purchase, lease, lease, and other rights of the parties to the transaction, the real estate agent prepares each confirmation, explanation and contract, and sends SMS to the transaction party. For each type of contract that has been confirmed and signed, a registration number is assigned to the real estate transaction management system for each type of contract, and the actual transaction is automatically reported.

At this time, a platform was researched and developed in which a legal representative was appointed and then delegated for real estate contracts. No. 2016-0020850 (published on February 24, 2016), collects and manages property information including real estate sales, jeonse, monthly rental sales, non-performing loans, auction items, and public sale items, and determines whether the court has successfully bid Real estate sale information management unit that receives the successful bid price from the user in real time and allows you to check the information in real time; Real estate by sharing loan-related information with the information management department, user or company to receive loan conditions and attorney fee information, using the certificate as an electronic signature for electronic documents, and delegating electronic signatures when electronic signatures cannot be performed Each configuration is disclosed so that a Beopmu agent who has been granted delegation authority, such as a registration task, performs an electronic signature using a certificate.

However, since real estate is an expensive asset, the transaction method is very important, so I prefer the face-to-face method. They sign a contract to sign a contract, then go to the court with the contract to register ownership, etc. In particular, the signing of the contract is done online, but in the post-coronavirus (COVID-19) and new normal environments where non-face-to-face and social distancing have become routine, meeting in person to fulfill the contract is inefficient and now life is at risk. . Therefore, research and development of a platform that can faithfully fulfill the performance benefits resulting from the conclusion of a contract while compensating for mistakes that may occur in the process of buying, selling, leasing, or leasing expensive goods is required while maintaining non-face-to-face contact. .

In one embodiment of the present invention, after a contract is concluded, a legal representative is appointed to perform the contract, the authority is granted through an authorized contract, and the legal representative confirms and supplements the documents necessary for the performance of the contract, thereby preventing the contractual defect. In the post-coronavirus (COVID-19) era, where non-face-to-face communication has become the new normal, it is possible to minimize the risk burden caused by Non-face-to-face, non-face-to-face, non-face-to-face, non-face-to-face, non-face-to-face, non-face-to-face, non-face-to-face, non-face-to-face, non-face-to-face It is possible to provide a contract fulfillment service provision system for face-to-face real estate contracts. However, the technical task to be achieved by the present embodiment is not limited to the technical task as described above, and other technical tasks may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention is delegated from a seller terminal and a buyer terminal that have concluded a real estate contract non-face-to-face, and at least one necessary document set at the time of contract execution is checked and Complementary, real estate from the legal representative terminal, which uploads the result of the contract execution, and the register that registers the electronic document created after the real estate contract is concluded as an electronic contract non-face-to-face in the seller terminal and the buyer terminal, the seller terminal and the buyer terminal Authorization department to make an authorization contract to delegate the execution of the contract to the terminal of the legal representative appointed to perform the contract, the seller terminal by reading the electronic document in the terminal Alternatively, a delivery service providing server that includes a delivery unit that delivers a request event to be supplemented by the buyer's terminal to the seller's terminal or buyer's terminal, and a confirmation unit that checks whether the contract is fulfilled when the legal representative's terminal uploads the result of contract performance include

According to any one of the above-mentioned means for solving the problems of the present invention, it is possible to block abnormal transaction practices by expanding public services based on information and communication technology, and to visit a real estate agency and make an online electronic contract without visiting a real estate contract that was written and sealed on paper In addition, by establishing an automated and linking system for real estate transaction reporting and linking between real estate transaction management system networks, it is possible to exempt from reporting obligations and automatically generate report certificates by simplifying real estate transaction reporting obligations. Disadvantages can be prevented, and transaction reporting obligations can be easily and automatically processed online with one click to build convenience and safety in writing and reporting.

1 is a view for explaining a system for providing a contract fulfillment service for a non-face-to-face real estate contract according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a fulfillment service providing server included in the system of FIG. 1 .
3 and 4 are diagrams for explaining an embodiment in which a contract fulfillment service for a non-face-to-face real estate contract according to an embodiment of the present invention is implemented.
5 is an operation flowchart illustrating a method of providing a contract fulfillment service for a non-face-to-face real estate contract according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated, and one or more other features However, it is to be understood that the existence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded in advance.

The terms "about", "substantially", etc. to the extent used throughout the specification are used in or close to the numerical value when manufacturing and material tolerances inherent in the stated meaning are presented, and are intended to enhance the understanding of the present invention. To help, precise or absolute figures are used to prevent unfair use by unconscionable infringers of the stated disclosure. As used throughout the specification of the present invention, the term "step of (to)" or "step of" does not mean "step for".

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware. Meanwhile, '~ unit' is not limited to software or hardware, and '~ unit' may be configured to be in an addressable storage medium or to reproduce one or more processors. Thus, as an example, '~' denotes components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays and variables. The functions provided in the components and '~ units' may be combined into a smaller number of components and '~ units' or further separated into additional components and '~ units'. In addition, components and '~ units' may be implemented to play one or more CPUs in a device or secure multimedia card.

Some of the operations or functions described as being performed by the terminal, apparatus, or device in the present specification may be performed instead of by a server connected to the terminal, apparatus, or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal, apparatus, or device connected to the server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means mapping or matching the terminal's unique number or personal identification information, which is the identification data of the terminal. can be interpreted as

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a system for providing a contract fulfillment service for a non-face-to-face real estate contract according to an embodiment of the present invention. Referring to FIG. 1 , the system 1 for providing a contract fulfillment service for a non-face-to-face real estate contract includes at least one seller terminal 100 , a fulfillment service providing server 300 , at least one buyer terminal 400 , and at least one It may include a legal representative of the terminal (500). However, since the contract fulfillment service providing system 1 for the non-face-to-face real estate contract of FIG. 1 is only one embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1 .

At this time, each component of FIG. 1 is generally connected through a network (Network, 200). For example, as shown in FIG. 1 , at least one seller terminal 100 may be connected to the fulfillment service providing server 300 through the network 200 . In addition, the fulfillment service providing server 300 may be connected to at least one seller terminal 100 , at least one buyer terminal 400 , and at least one legal representative terminal 500 through the network 200 . In addition, the at least one purchaser terminal 400 may be connected to the fulfillment service providing server 300 through the network 200 . And, at least one legal representative terminal 500, at least one seller terminal 100, the fulfillment service providing server 300, and at least one buyer terminal 400 through the network 200 It can be connected.

Here, the network refers to a connection structure in which information exchange is possible between each node, such as a plurality of terminals and servers, and an example of such a network includes a local area network (LAN), a wide area network (WAN: Wide Area Network), the Internet (WWW: World Wide Web), wired and wireless data communication networks, telephone networks, wired and wireless television networks, and the like. Examples of wireless data communication networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), 5th Generation Partnership Project (5GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), Wi-Fi (Wi-Fi) , Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), RF (Radio Frequency), Bluetooth (Bluetooth) network, NFC ( Near-Field Communication) networks, satellite broadcast networks, analog broadcast networks, Digital Multimedia Broadcasting (DMB) networks, and the like are included, but are not limited thereto.

In the following, the term at least one is defined as a term including the singular and the plural, and even if the at least one term does not exist, each element may exist in the singular or plural, and may mean the singular or plural. it will be self-evident In addition, that each component is provided in singular or plural may be changed according to embodiments.

The at least one seller terminal 100 may be a terminal of a seller who intends to sell real estate by using a web page, an app page, a program, or an application related to a contract fulfillment service for a non-face-to-face real estate contract. In this case, when the seller of the seller terminal 100 is the lessor, the buyer terminal 400 may be the lessee terminal. Here, although the description is based on the seller-buyer, it will be obvious that it can be applied to the lessor-tenant as well. In this case, the seller terminal 100 may be a terminal that selects a legal representative to represent the performance of the contract after the conclusion of the contract with the buyer terminal 400 and selects the terminal through consultation with the buyer terminal 400 . In addition, the seller terminal 100 may be a terminal that receives the contract execution result from the legal representative terminal 500 via the fulfillment service providing server 300 . One embodiment of the present invention describes the steps after a contract is concluded between a seller and a buyer. In other words, in the case of a sale contract, after the sale contract, the seller is obligated to transfer ownership and the buyer is obligated to pay the balance in response to the remaining balance, which is a simultaneous performance relationship. Appointing a legal representative to fulfill these obligations, and the legal representative notifying the transaction party of the result. Therefore, a legal representative is appointed to review the incompleteness or supplementation of documents so that defects or unexpected damages do not occur in the right to acquire. Since each debt is based on the right to claim, if the performance of the contract is not completed, even if it is compulsorily executed, it will take a long time to acquire the title, and the contracting party who has acquired the defective right in the meantime will inevitably incur losses. Accordingly, a legal representative is appointed, and the legal representative reviews the documents so that the contracting party can acquire complete rights and supplements deficiencies. In this case, the legal representative may be appointed by each of the contracting parties, or one legal representative may be appointed by agreement between the buyer and the seller.

Here, the at least one seller terminal 100 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser, a desktop, and a laptop. In this case, the at least one seller terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through a network. The at least one seller terminal 100 is, for example, a wireless communication device that ensures portability and mobility, including navigation, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), PHS(Personal Handyphone System), PDA(Personal Digital Assistant), IMT(International Mobile Telecommunication)-2000, CDMA(Code Division Multiple Access)-2000, W-CDMA(W-Code Division Multiple Access), Wibro(Wireless Broadband Internet) ) terminal, a smart phone, a smart pad, a tablet PC, etc. may include all kinds of handheld-based wireless communication devices.

The fulfillment service providing server 300 may be a server that provides a contract fulfillment service web page, an app page, a program, or an application for a non-face-to-face real estate contract. In addition, the fulfillment service providing server 300 may be a server that enables registration of seniority fees after credentialing in at least one legal representative terminal 500 . In addition, the fulfillment service providing server 300, after concluding a contract in the seller terminal 100 and the buyer terminal 400, appoints a legal representative for the performance of each obligation, and can make an authorization contract by writing a power of attorney. It may be a server that allows In addition, the implementation service providing server 300 may be a server that allows the legal representative terminal 500 to review defects in documents and request supplementation. In addition, the fulfillment service providing server 300 transmits the result to the seller terminal 100 and the buyer terminal 400 when the legal representative terminal 500 completes the execution of the contract, and the seller terminal 100 and It may be a server that settles the senior fee paid in advance in the buyer terminal 400 to the legal representative terminal 500 .

Here, the fulfillment service providing server 300 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser, a desktop, and a laptop.

The at least one buyer's terminal 400 may be a buyer's terminal using a contract fulfillment service related web page, an app page, a program, or an application for a non-face-to-face real estate contract. As described above, when the seller of the seller terminal 100 is the lessor, the buyer of the buyer terminal 400 may be the lessee. And, the buyer terminal 400 may be a terminal that is notified of the result after appointing a legal representative.

Here, the at least one purchaser terminal 400 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser, a desktop, and a laptop. In this case, the at least one purchaser terminal 400 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one purchaser terminal 400 is, for example, a wireless communication device that ensures portability and mobility, including navigation, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), PHS(Personal Handyphone System), PDA(Personal Digital Assistant), IMT(International Mobile Telecommunication)-2000, CDMA(Code Division Multiple Access)-2000, W-CDMA(W-Code Division Multiple Access), Wibro(Wireless Broadband Internet) ) terminal, a smart phone, a smart pad, a tablet PC, etc. may include all kinds of handheld-based wireless communication devices.

The at least one legal representative terminal 500 may be a terminal of a legal representative representing or mediating both parties using a contract fulfillment service related web page, app page, program or application for non-face-to-face real estate contracts. In this case, the legal representative may be, but is not limited to, a solicitor, a tax accountant, an accountant, a lawyer, a certified real estate agent, and the like.

Here, the at least one legal representative terminal 500 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser, a desktop, and a laptop. In this case, the at least one legal representative terminal 500 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one legal representative terminal 500, for example, as a wireless communication device that guarantees portability and mobility, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular) , PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband) Internet) terminals, smartphones, smart pads, tablet PCs, and the like may include all types of handheld-based wireless communication devices.

2 is a block diagram illustrating a fulfillment service providing server included in the system of FIG. 1, and FIGS. 3 and 4 are a contract implementation service for a non-face-to-face real estate contract according to an embodiment of the present invention. It is a drawing for explaining an embodiment.

Referring to FIG. 2 , the fulfillment service providing server 300 includes a registration unit 310 , an authorization unit 320 , a transmission unit 330 , a confirmation unit 340 , an examination unit 350 , a guide unit 360 , and a power of attorney. It may include a management unit 370 , an insurance enforcement unit 380 , a display unit 390 , and a block chain unit 391 .

At least one seller terminal 100, at least one buyer terminal 400, and at least one legal representative When transmitting a contract fulfillment service application, program, app page, web page, etc. for a non-face-to-face real estate contract to the terminal 500, at least one seller terminal 100, at least one buyer terminal 400, and at least one The legal representative terminal 500 may install or open a contract fulfillment service application, a program, an app page, a web page, etc. for a non-face-to-face real estate contract. In addition, the service program may be driven in at least one seller terminal 100 , at least one buyer terminal 400 , and at least one legal representative terminal 500 by using a script executed in a web browser. Here, the web browser is a program that enables the use of a web (WWW: World Wide Web) service, and refers to a program that receives and displays hypertext written in HTML (Hyper Text Mark-up Language), for example, Netscape. , Explorer, Chrome, and the like. In addition, the application means an application on the terminal, for example, includes an app (App) executed in a mobile terminal (smartphone).

Before describing FIG. 2 , the concept of the real estate transaction electronic contract will be described first. The contents described below will not be repeatedly described with reference to FIG. 2 .

An electronic real estate transaction contract is a legal act in which the expression of intention of both parties, the seller (lessor) and the buyer (lessee) in a real estate transaction contract, is established through the electronic method and the electronic expression of offer and acceptance. The advantage of the real estate transaction electronic contract is that it is possible to sign a real estate contract only with a mobile phone in your name and a public certificate. With the development of ICT technology, contracts are concluded without a seal certificate (for sale) with accredited authentication and electronic signature when selling real estate. Very efficient. In other words, it is convenient because it is possible to conclude an electronic real estate transaction contract regardless of time and place. In addition, through identity verification, between the real estate broker registered in advance in the electronic contract system and the parties to the transaction, each process of the electronic contract thoroughly confirms the identity through an accredited certificate, electronic signature, and mobile phone identity verification, so that you can sign a contract with confidence. When a contract is stored in an authorized electronic document center, forgery is prevented, so you can trust and transact with confidence, and there is an advantage that an individual can inquire and check at any time within the preservation institution.

In addition, as a supplementary measure, the safety of non-face-to-face can be supplemented by introducing non-face-to-face video solutions (similar to video chats such as Face Talk and Skype). Since thorough identification of real estate agents is guaranteed, they can be protected from illegal brokerage by unqualified and unregistered brokers. Electronic contract has the advantage of being very convenient because there is no need to report separately or visit the community center because the actual transaction price is immediately reported in the case of a contract alone, and in the case of housing rental, the application and grant of a fixed date are processed in one-stop.

When making a loan through a financial institution or during electronic registration, you can easily attach and process the completed electronic contract through inquiry and import in the electronic contract system. The real estate transaction electronic contract system is a system operated by the Ministry of Land, Infrastructure and Transport. From the creation, signing, and storage of electronic contracts, it is possible to provide various Security technology and means are combined to support secure transactions. All contract information, including personal information, is encrypted and is an algorithm that is safely stored in an authorized electronic document center.

An electronic real estate contract does not only refer to the act of transacting in cyberspace between the seller and the buyer, who are the parties to the transaction, but may also include registration and registration, which are administrative procedures other than trading. Here, electronic document refers to information prepared, transmitted, received, or stored in electronic form by the information processing system (Article 1). Therefore, since the electronic transaction includes not only the conclusion of a contract made electronically, but also the case where the electronic transaction is performed electronically, it can be said that the electronic contract corresponds to a type of electronic transaction. Since the property value of real estate is very large, it is very rare for real estate transactions to be carried out on a one-to-one basis. It is usually handled by requesting .

In this case, the agreement between the brokerage client and the real estate broker who performs real estate brokerage business is to entrust the handling of real estate transactions and pay compensation for the completion of the brokerage. Estate Listing Contract). In concluding such a real estate brokerage contract, the real estate electronic contract is to be concluded as an electronic document rather than a written contract. The Real Estate Brokerage Act provides for real estate brokerage between the parties to the transaction with respect to land, buildings and other land fixtures, standing trees under the “Standing Wood Act”, and brokerage objects such as factory foundations and mining foundations under the “Factory and Mining Foundation Mortgage Act”. It is stipulated that it is to mediate acts related to trade, exchange, lease, and other changes in the gain or loss of rights (Article 2, Item 1).

Types of real estate brokerage contracts are: First, a general brokerage contract is a contract in which a single broker commissions several real estate agents, and then pays the brokerage who completes the real estate transaction first. Second, the exclusive brokerage contract refers to the signing of a contract in which a brokerage client appoints a specific real estate agent to broker a brokerage of an object of service and only the licensed real estate agent in business can broker the object (Article 23 of the Chartered Brokerage Act). Third, the exclusive brokerage contract refers to the granting of exclusive rights related to real estate transactions to a specific real estate agent. In addition, there are a joint brokerage contract in which a plurality of real estate agents jointly conclude a brokerage contract, and a net brokerage contract in which the excess amount is paid as a remuneration in case the contract is concluded in excess of the transaction price of the real estate presented in advance. The legal nature of the real estate brokerage contract is that the brokerage between the client and the real estate agent is not a commercial act, so it is a civil brokerage contract, not a commercial brokerage contract. Since it is a private transaction, it falls under a no-nonsense contract.

Based on the above-mentioned concept, it will be described with reference to FIG. 2 below.

The registration unit 310 may register an electronic document generated after the seller terminal 100 and the buyer terminal 400 conclude a real estate contract as an electronic contract in a non-face-to-face manner. In this case, a public certificate or digital signature may be used, or a blockchain-based DID (Decentraized ID) may be used. With the advent of Digital Transformation and the expansion of hyperconnectivity such as IoT, alternatives are required to implement trust online. There is also a movement to strengthen personal privacy protection and secure management while expanding the efficiency of personal information management. Accordingly, the identity authentication model is also changing from an individual identity model to a federated identity model and a self-sovereign identity model.

Among them, the self-sovereign identity model is being actively researched and developed based on blockchain technology. Blockchain-based decentralized identity or DID (Decentralized Identity) guarantees self-sovereignty by returning control over personal information back to individuals. This is also called distributed identity verification or decentralized identity verification. This model basically records identity verification information (eg, public key) together on the blockchain to distinguish each subject (user, organization, etc.) without relying on a central authority. This can be seen as a blockchain-based DPKI that is differentiated from the existing certificate-based PKI method. Looking more closely, the subject stores “DID ↔ public key bundle” in the block chain and provides it to validators who want to verify their digital signature. After that, the DID is recorded in the form of a DID document along with identity verification information (public key, anonymized biometric information, etc.) and stored in the block chain. In this process, the fact that the binding between “DID ↔ identity verification information” has not been tampered with (integrity is ensured) is guaranteed by the block chain, so authentication can be performed even if a third-party trusted authority does not exist.

Authorization unit 320, from the seller terminal 100 and the buyer terminal 400 to the legal representative terminal 500 appointed to implement the real estate contract to make an authorization contract to delegate the execution of the contract can be made. . The legal representative terminal 500 is delegated from the seller terminal 100 and the buyer terminal 400 that have concluded a real estate contract non-face-to-face, and confirms and supplements at least one required document preset at the time of contract execution, and performs contract execution You can upload surrogate results. In most cases, when an authorization contract is concluded, the contracting party (seller-buyer) gives a power of attorney to the legal representative.

The delivery unit 330, after reading the electronic document in the legal representative terminal 500, checks at least one required document set in advance, and requests the event to be supplemented by the seller terminal 100 or the buyer terminal 400 to the merchant seller. It can be delivered to the terminal 100 or the purchaser terminal 400 .

The verification unit 340 may check whether the legal representative terminal 500 is performing when the result of representing the contract is uploaded. At this time, the confirmation unit 340 links the real estate transaction management system (RTMS), the Korea Land Information System (KLIS), the land information system, and the cheonsei transaction information system with each other and uses a two-way link service in the real estate transaction contract process to actually get the right It can be checked whether the contract was acquired without any defects and whether the payment was made as it is in the contract amount. Here, K-REN (Real Estate Brokerage Association), RTMS (Ministry of Land, Infrastructure and Transport), fixed date (Ministry of Justice), Internet registry (supreme court), Wetax (Ministry of Public Administration and Security), etc. Through this, it is possible to identify whether false sales, leases, etc. are false.

The examination unit 350 may check whether the legal representative of the legal representative terminal 500 is a legal representative qualified to represent the real estate contract. The screening unit 350 performs a verification process before building a human resources pool of legal representatives, and can use block chain technology to prevent forgery of personal academic background or career, or counterfeiting of licenses or illegal borrowing. At this time, the block chain may be based on the pseudo code of the chain code, and the block chain network consists of a three-party structure of the review unit 350 , the transaction party and the legal representative terminal 500 . The review unit 350 is a full node and has all the rights of the network, and the transaction party and the legal representative terminal 500 participate in the network as a light weighted node with limited functions.

<Block creation procedure>

Block generation is performed when participating in a blockchain network in the legal representative terminal 500 or changing the academic background and career of an expert. ① The legal representative terminal 500 participates in the block chain network as the screening unit 350 and requests block generation when registering its own information in the block chain and changing existing information. ② When the examination unit 350 receives a registration request, it starts a block generation procedure based on the information provided by the legal representative terminal 500 . At this time, to check whether the legal representative (expert) of the legal representative terminal 500 has already existed, it is searched whether the corresponding expert is registered in the block chain. ③ The examination unit 350 checks whether the expert is registered in the block chain according to the request of the manager terminal (not shown), and transmits it to the manager. ④ The manager requests information from the government about the expert's academic background and career in order to check whether the expert's information is forged. ⑤ The government checks whether it is acceptable to provide academic background and career information to experts. ⑥ The legal representative's terminal 500 transmits whether or not to consent to the provision of personal information so that its own information can be stored in the block chain. ⑦ The government communicates whether the expert information is verified. ⑧ Create and store expert information as a block in the block chain.

<Individual academic background and career verification process>

The procedure for providing academic background and experience is not in the position where the expert receives a client or is granted the right of representation, but is actually used when registering on the platform according to an embodiment of the present invention. It can be used at the request of the transaction party to check whether the legal representative's qualifications, education, or experience are correct, that is, to check whether the contents have been forged. First, ① When advertising on the platform of the present invention in the legal representative terminal 500 registered as an expert, his/her ID registered in the block chain is submitted together. ② The examination unit 350 notifies whether the platform is registered. ③ The transaction party requests the examination unit 350 to verify whether the qualifications, academic backgrounds and careers included in the qualifications uploaded by the legal representative are forged. ④ The examination unit 350 confirms whether or not the consent to check the career in the block chain with the legal representative terminal (500). ⑤ The legal representative terminal 500 sends a message to the examination unit 350 to give the authority to inquire the personal data. ⑥ The examination unit 350 executes the chain code to check the internal data of the block chain, and at this time, the expert data is retrieved using the expert's unique ID. ⑦ The examination unit 350 transmits the data registered in the block chain to the transaction party so that it can be checked whether forgery or not.

<Chain code operation>

At this time, you can use the chain code for whether you agree to provide personal information, search for data inside the block, create and modify blocks, and verify career information. Since the expert's qualifications, experience, and academic background are included in personal information, a procedure to confirm whether the expert's information is agreed or not is necessary. The subject using the chaincode is used by the government, which can help verify expert information. In this case, the method of obtaining consent to provide information from an expert enables the confirmation of consent in the form of a message or e-mail. Block generation and verification can be performed only when experts agree to provide information.

The chain code used for expert search can be used after confirming consent to provide personal information. This is because it is a chaincode that actually gets the data inside the block chain. Data search chaincode can be searched using two methods: QueryString and txType. The QueryString method is a method of performing a search using only the expert ID. The txType method is a method of performing a search by assigning an expert ID and additional conditions. At this time, if the corresponding chain code is not used, it may be configured so that information cannot be verified on the block chain.

The background technology used in the above configuration is blockchain, chaincode, and hyperledger consensus algorithm. First of all, blockchain is used to synchronize data to simplify complex systems or prevent confusion by utilizing blockchain. The difference between the existing security method and blockchain is that by providing the same information to all people involved in the network, even if a specific person forges data, it is not recognized because it is different from the information known to all members. In other words, it is a technology that performs anti-counterfeiting through disclosure, unlike the existing data hiding.

Transactions in the blockchain can only be registered in a block if they are authorized using a hash function. In this process, an electronic signature is used, which is used to provide a non-repudiation function. The method that is mainly used as a method for transaction processing is the method using chaincode. Chaincode is used not only to generate blocks, but also to provide functions that can provide various services using blockchain. Chaincodes can be classified into system chaincodes and user chaincodes.

Hyperledger Fabric uses a different transaction processing method than other blockchain platforms. In the case of other blockchain platforms, the method of linking with the chain is used by verifying the transaction contents. In contrast, Hyperledger Fabric operates with procedures of Execute, Order, Validate, and Update state. In the case of the existing Hyperledger Fabric, the PBFT (Practical Byzantine Fault Tolerance) method was used as a consensus method, but a decrease in transaction per second (tps) performance occurred as a problem. In this case, it may be applied using simple BFT (SBFT). Of course, in addition to the above-described method, since the license, academic background, or career may be verified or shared by various methods, the present invention is not limited thereto.

The guide 360 may deliver the result of representing the contract performance to the seller terminal 100 and the buyer terminal 400 . Of course, there may be a further confirmation process of each contracting party even before contract execution. In any case, if there are documents omitted by the legal representative or the information of the contracting party is different (eg, if the address is different, the name is different, etc.) It's one stone and two pieces. However, if you do not confirm within the deadline, you may not be able to meet the reporting deadline.

The power of attorney management unit 370 appoints a legal representative of the legal representative terminal 500 as an agent in the seller terminal 100 and the buyer terminal 400 to form an authorized relationship from the seller terminal 100 and the buyer terminal 400 You may receive an electronic signature on the power of attorney. For digital signatures, digital signature schemes based on asymmetric encryption algorithms such as RSA and ECC can be used. However, when a practically usable quantum computer is implemented, the performance of the processor can be greatly improved, and by using quantum algorithms such as Shor's Algorithm and Grover's Algorithm, it is impossible to calculate with existing computers. can solve the problem The Shore algorithm can compute the factorization and discrete log problems, which are the basis of public key encryption algorithms, within polynomial time, making RSA and ECC weak encryption algorithms. The Grover algorithm can halve the security complexity of existing cryptographic algorithms, so the security of cryptographic algorithms such as hash functions and symmetric keys is halved.

Most distributed ledgers and blockchains use ECC-based Electronic Signature Scheme (ECDSA). Distributed ledgers and blockchains that use them cannot be expected to use long-term when considering quantum computers. In contrast, in an embodiment of the present invention, Post-Quantum Cryptography can be introduced into the block chain. The combination of quantum-resistant cryptography and blockchain is called Post-Quantum Blockchain, and it is resistant to quantum algorithm attacks such as Shore algorithm and Grover algorithm. In order to implement a quantum-resistant blockchain, if a random quantum-resistant cipher is introduced into the blockchain as it is, large public keys and signature sizes may become problems, or the signature verification time may become longer.

Therefore, the platform according to an embodiment of the present invention can use a new transaction structure and protocol for introducing quantum-resistant cryptography into a blockchain, and can implement a quantum-resistant blockchain based on this. A new transaction is changed to a structure with its hash value instead of the sender's signature and the receiver's public key, and the public key and signature pair are distributed to verify the transaction. Also, the verification process is different by distinguishing blocks. In addition, the quantum tolerance algorithm can apply the lattice-based pqNTRUSign digital signature algorithm. pqNTRUSign is a modular grid-based digital signature scheme that uses NTRU lattice with Gaussian Sampler or Uniform Sampler. Since pqNTRUSign has a smaller public key/signature size compared to other cryptographic algorithms, it is possible to minimize the capacity of the unauthorized transaction pool to be borne by each node. Considering that all nodes receive transactions through signature verification, the signature verification time is short compared to other cryptographic algorithms, so the verification speed is suitable for implementing a practical blockchain.

A new transaction is changed to a structure with the sender's signature and its hash value instead of the receiver's public key. Accordingly, the verification process also distinguishes between a non-fixed block with a high possibility of change and a fixed block with a low possibility of change, and for transactions in a non-fixed block, the public key and signature pair are distributed to verify the transaction, and for the fixed block, transaction verification is performed. It can be changed to a mechanism that accepts it through block verification except for it. This mechanism does not compromise the integrity of the blockchain and the inherent security of the PoW consensus algorithm, and a quantum-resistant blockchain with grid-based pqNTRUSign applied based on the Bitcoin open source blockchain can be used. Since all nodes verify the signature of the transaction in the non-fixed block, the verification time is important, and it is expected that there will not be much difficulty in practical use. Through the new transaction structure, even a quantum-resistant cryptography with an enlarged key size and signature size can be considered to be applied to the blockchain, and ultimately has the meaning of increasing the compatibility of the blockchain with quantum-resistant cryptography, and the size of the blockchain increases It can be prevented from becoming enlarged beyond a certain level.

The insurance coercion unit 380 may force the legal representative terminal 500 to subscribe to at least one type of liability insurance product to compensate for damages in the event of damage to the performance of the real estate contract.

The display unit 390 may register an appointment fee for each type of real estate contract from the legal representative terminal 500 and upload an expression of intention to perform the real estate contract.

The block chain unit 391, when the real estate contract is completed in the legal representative terminal 500, settles the senior fee previously paid or transferred in the seller terminal 100 and the buyer terminal 400 to the legal representative terminal 500 You can set up smart contracts as much as possible. At this time, the smart contract can automatically execute and establish the seniority payment settlement when there is a consensus of intention and the condition data is satisfied. A smart contract is a software code implemented on a blockchain platform to ensure that contracts are automatically executed for assets contained in the blockchain according to the fulfillment of pre-specified conditions. In other words, smart contracts are Automated Self-Enforced Agreements, a concept that combines the two processes of contract establishment and fulfillment into one by blockchain technology. The technical concept of smart contract is that transaction records are distributed and stored, decentralized and shared, and the duplicated ledger is operated and stored, and at the same time, it is a kind of program that is automatically executed according to an event that instructs the transfer of assets to the ledger (Event). -Driven Program).

On the other hand, a smart contract is legally ① required to have two or more parties, ② is related to the transfer of assets from one party to another, ③ the implementation is automatic, and once the contract is initiated, It is a contract concept that does not require human intervention. In this respect, a smart contract as an element of contract law is a kind of algorithmic contract. In an algorithmic contract, one party or both parties promise to decide whether to conclude the contract and the conditions by using the algorithm.

However, a smart contract has a distinguishing characteristic from an algorithmic contract in that it can form a DAO (Decentralized Autonomous Organization), a kind of decentralized autonomous organization. On the other hand, smart contracts do not value the trust of the parties because they are executed automatically without human intervention. Therefore, it is a type of so-called conditional nature, in which the problem of non-performance, which is the biggest weakness of a contract, is determined by the fulfillment of a programmed condition rather than depending on the credit of the other party. Therefore, interpreting, judging, and evaluating whether a condition is fulfilled in a smart contract is a legally important issue, and the setting of the condition is set by the seller terminal 100 and the buyer terminal 400 as described above, or it is excluded from being set by agreement. I never do that.

A smart contract transaction consists of ① programming code writing, ② code signing, ③ blockchain storage, and ④ transaction execution. The program code executed here and the result are included in the transaction and stored in the form of a database in a block connected by a chain, so that all participants share transaction information. ) are stored independently of each other. Here, participants link the wallet address created by the public key encryption method with the block chain to conclude a contract and electronically sign it. A smart contract transaction is a computer protocol designed to make it easy and convenient to execute or verify the execution of a contract on a network. These transactions are traceable, but have irreversibility that the transaction record cannot be returned to its previous state or changed. In this case, functions including Turing-completeness, Value-awareness, Blockchain-awareness, State concept, etc. may be provided.

Hereinafter, an operation process according to the configuration of the implementation service providing server of FIG. 2 will be described in detail with reference to FIGS. 3 and 4 as an example. However, it will be apparent that the embodiment is only one of various embodiments of the present invention and is not limited thereto.

Referring to FIG. 3 , after (a) a real estate transaction contract between the seller terminal 100 and the buyer terminal 400 is concluded through the fulfillment service providing server 300, (b) through the fulfillment service providing server 300 A legal representative is appointed, an authorization contract is signed, and a power of attorney is issued.

And, (c) the fulfillment service providing server 300 may perform the certification of each legal representative, and (d) when the real estate transaction contract is completed, the seller terminal 100 and the buyer terminal 400 display the result can be notified. In addition, the electronic document may be formatted as shown in FIGS. 4A to 4D, and may be configured to be automatically inserted into each item when only information of each party is input.

The matters not described for the method of providing the contract fulfillment service for the non-face-to-face real estate contract of FIGS. 2 to 4 are the same as those described for the method of providing the contract fulfillment service for the non-face-to-face real estate contract through FIG. 1 above, or Since it can be easily inferred from the described content, the following description will be omitted.

FIG. 5 is a diagram illustrating a process in which data is transmitted/received between components included in the system for providing a contract fulfillment service for a non-face-to-face real estate contract of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 5, but the present application is not limited to such an embodiment, and the example shown in FIG. 5 according to various embodiments described above will be described. It is apparent to those skilled in the art that the data transmission/reception process may be changed.

Referring to FIG. 5 , the fulfillment service providing server registers an electronic document generated after a real estate contract is concluded as an electronic contract in a non-face-to-face manner at the seller terminal and the buyer terminal ( S5100 ).

The fulfillment service providing server makes an authorization contract entrusting to represent the performance of the contract from the seller's terminal and the buyer's terminal to the legal representative terminal appointed to implement the real estate contract (S5200).

In addition, the fulfillment service providing server, after reading the electronic document in the legal representative terminal, checks at least one preset required document, and delivers a request event to be supplemented with the seller's terminal or the buyer's terminal to the seller's terminal or the buyer's terminal ( S5300), if the legal representative terminal uploads the result of representing the contract execution, it is checked whether the execution is performed (S5400).

The order between the above-described steps ( S5100 to S5400 ) is merely an example and is not limited thereto. That is, the order between the above-described steps ( S5100 to S5400 ) may be mutually changed, and some of these steps may be simultaneously executed or deleted.

Matters not described with respect to the method of providing the contract fulfillment service for the non-face-to-face real estate contract of FIG. 5 are the same as those described for the method of providing the contract fulfillment service for the non-face-to-face real estate contract through FIGS. 1 to 4 above, or Since it can be easily inferred from the described content, the following description will be omitted.

The method of providing a contract fulfillment service for a non-face-to-face real estate contract according to an embodiment described with reference to FIG. 5 is also in the form of a recording medium including instructions executable by a computer, such as an application or program module executed by a computer. can be implemented. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer-readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method for providing a contract fulfillment service for a non-face-to-face real estate contract according to an embodiment of the present invention described above includes an application basically installed in a terminal (which may include a program included in a platform or an operating system, etc. basically installed in the terminal) may be executed by the application store server, an application or an application (ie, a program) directly installed in the master terminal through an application providing server such as a web server related to the application or the corresponding service by the user. In this sense, the method of providing a contract fulfillment service for a non-face-to-face real estate contract according to an embodiment of the present invention described above is implemented as an application (ie, program) installed by default in a terminal or directly installed by a user, and It may be recorded on a computer-readable recording medium.

The above description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. do.

Claims (7)

delete a legal representative terminal delegated from a seller's terminal and a buyer's terminal that has concluded a real estate contract non-face-to-face, confirming and supplementing at least one required document preset at the time of contract execution, and uploading the result of performing the contract; and
A register for registering an electronic document generated after signing a real estate contract as an electronic contract in a non-face-to-face manner at the seller's terminal and the buyer's terminal, the seller's terminal and the buyer's terminal to the legal representative terminal appointed to implement the real estate contract Authorization unit to make an authorization contract to delegate to perform the contract, read the electronic document in the legal representative terminal, check the preset at least one required document, and supplement it with the seller terminal or the buyer terminal A fulfillment service providing server comprising: a delivery unit that transmits a request event to a terminal of a seller or a buyer of a shopping mall;
including,
The fulfillment service providing server,
an examination unit for confirming whether the legal representative of the legal representative terminal is a qualified legal representative to represent the real estate contract;
a guide unit for delivering the result of representing the contract performance to the seller's terminal and the buyer's terminal;
a power of attorney management unit receiving a digital signature on a power of attorney from the seller's terminal and the buyer's terminal so that an authorized relationship is formed by appointing a legal representative of the legal representative's terminal as an agent;
an insurance coercion unit forcing the legal representative terminal to subscribe to at least one type of liability insurance product so as to compensate for damages in case of loss in the performance of the real estate contract;
a display unit for registering an appointment fee for each type of real estate contract from the legal representative terminal, and uploading an expression of intent to fulfill the real estate contract;
a block chain unit for setting a smart contract so that, when the real estate contract is completed in the legal representative terminal, the senior fee previously paid or transferred in the seller terminal and the buyer terminal is settled to the legal representative terminal;
Contract fulfillment service providing system for non-face-to-face real estate contract, characterized in that it further comprises. delete delete delete delete delete

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