KR20230148662A - System for supporting real estate investment by electiric securities - Google Patents

Abstract

The present invention relates to a real estate investment support system through electronic securities that not only supports real estate investment through transaction brokerage of electronic securities by issuing electronic securities with the property value of real estate, but also supports real investment, and is described in more detail. The securitization department 110, which divides real estate and issues electronic securities specified by the divided location, the exchange department 120, which brokers transactions in electronic securities, and the share of shares held when holding electronic securities exceeding a preset ratio. An electronic securities issuance and trading platform is implemented with a securitization system (100) that includes a real conversion support unit (130) that processes use rights in the real estate area.

Description

Real estate investment support system through electronic securities{SYSTEM FOR SUPPORTING REAL ESTATE INVESTMENT BY ELECTIRIC SECURITIES}

The present invention relates to a real estate investment support system through electronic securities that not only supports real estate investment by issuing electronic securities with the property value of real estate and brokering transactions in electronic securities, but also supports real investment.

Investment in the sale or lease of real estate, such as land and buildings, can be activated when the real estate location conditions are good, but the reality is that it is difficult to activate when the real estate location conditions are underdeveloped. Moreover, although the location conditions are currently underdeveloped, there are many real estate properties that are valuable as property and have the potential to increase in value through future development. However, it is difficult for investment to become active until there is a possibility of favorable development or improvement in location conditions.

In addition, because the real estate units sold or leased are large, investment accessibility is very low for the general public who can only afford to invest a small amount.

In this way, the problem of investment bias according to location conditions and investment restrictions according to investment units is disclosed in Public Patent No. 10-2017-0107125, Public Patent No. 10-2017-0107126, Public Patent No. 10-2019-0138295, and Public Patent No. As disclosed in prior art such as No. 10-2020-0140129, this can be solved by issuing and securitizing electronic securities (digital assets, electronic money, cryptocurrency, etc.) with real estate value.

However, electronic securities issued in the prior art have a standardized value and only have the equity value of the purchased quantity, and when holding a certain amount of equity, a method of giving investment rights as a major shareholder of the entire real estate can also be used, but the investment right Because it is limited, it is difficult to lead to actual real investment.

In other words, it is possible to start with a small amount of capital, increase the investment amount according to changes in the investment value, and make a real investment equal to the amount held, and this real investment can continue to activate real investment in real estate, but prior art does not provide such an investment environment. .

KR 10-2017-0107125 A 2017.09.25. KR 10-2017-0107126 A 2019.09.25. KR 10-2019-0138295 A 2019.12.12. KR 10-2020-0140129 A 2020.12.15.

Therefore, the present invention provides a real estate investment support system through electronic securities that can activate investment in real estate securitized with electronic securities by enabling conversion to real investment according to the holdings of electronic securities that give the real property value of real estate. The purpose is to provide

In order to achieve the above object, the present invention includes a securitization system 100 that brokers transactions by issuing electronic securities giving property value of real estate; And a plurality of computing devices 200 that constitute a blockchain network by implementing a member's electronic wallet 210 for purchasing, storing, and trading electronic securities and a transaction ledger 220 for recording electronic securities transfer information. In the real estate investment support system through electronic securities, the securitization system 100 is a mainnet server for transferring electronic securities to the member's electronic wallet by adding electronic securities transfer information to the blockchain-based transaction ledger 220. Wealth (140); A securitization unit 110 that divides the real estate requested to issue electronic securities into a plurality of virtual real estate locations identified by virtual addresses, and then issues new electronic securities for each virtual real estate; It brokers transactions to purchase newly issued electronic securities through the computing device 200, brokers electronic securities transactions between members through the computing device 200, and transfers electronic securities according to electronic securities transactions through the mainnet server. an exchange unit 120 to be processed by the unit 140; When a member who holds more than a preset ratio of electronic securities for the same real estate applies for conversion to real estate, the electronic securities are transferred to another member's electronic securities so that the virtual real estate corresponding to the electronic securities of the member who applied for physical conversion occupies a certain area. A real conversion support unit ( 130); includes.

According to an embodiment of the present invention, the real conversion support unit 130 classifies electronic securities into a plurality of clusters according to the location of virtual real estate and performs cluster analysis to calculate the density of each cluster on electronic securities for each member. Including the cluster analysis unit (131), real estate that gives the right to use electronic securities that do not belong to the highest density cluster among the electronic securities of members who have applied for physical conversion by forcibly exchanging them with electronic securities of other members within the area with the highest density cluster. Get the area of

According to an embodiment of the present invention, among the electronic securities of members who have applied for physical conversion in the physical conversion support unit 130, the electronic securities that are forced to be exchanged with other members are the highest density cluster of other members holding electronic securities to be forced to be exchanged. Select electronic securities that are close to .

According to one embodiment of the present invention, the physical conversion support unit 130 uses ownership resulting from real estate sales as the right to use, and transfers electronic securities to recover electronic securities in the area to which the right to use has been given, using the mainnet server unit ( 140) and retrieved from the member's electronic wallet.

According to an embodiment of the present invention, the physical conversion support unit 130 uses the right to use the real estate lease as the right to use, and makes the electronic securities in the area to which the right to use is given known in the exchange unit 120.

According to one embodiment of the present invention, the exchange unit 120 allows a member to bundle a sell order for a plurality of electronic securities corresponding to adjacent virtual real estate among the electronic securities.

According to one embodiment of the present invention, the exchange unit 120 is an electronic wallet whose members are real estate owners who requested the issuance of electronic securities for the remaining electronic securities when electronic securities with a preset sales ratio are sold among the issued electronic securities. The electronic securities transfer to be delivered to (210) is processed by the mainnet server unit 140, so that they can be sold through transactions between members.

According to one embodiment of the present invention, when selling issued electronic securities for the first time, the exchange unit 120 randomly selects and sells the virtual address without displaying the geographic location of the virtual address, and brokers electronic securities transactions between members. When displaying the geographic location of the virtual address of the electronic security, the geographic location is confirmed.

The present invention, constructed as described above, when issuing electronic securities with the property value of real estate, gives positionality to the electronic securities, differentiates each electronic security, and induces an increase in value based on this differentiation. , by granting the right to invest in real estate according to the position of the shares held, it can not only revitalize transactions but also lead to real investment in real estate as a whole.

1 is a network configuration diagram including a real estate investment support system through electronic securities according to an embodiment of the present invention.
Figure 2 is a map illustrating a real conversion demarcation line that can be entered for land 10, using real estate on which to issue electronic securities as land.
Figure 3 is a map showing the form of a plurality of virtual real estate named by dividing the land into equal areas.
Figure 4 is an example of a map to be output on the interface screen of a computing device to provide geographic information when brokering a transaction.
Figure 5 is an interface screen of a computing device, an example of a screen diagram (a) providing a list of electronic securities held by members and a screen diagram (b) providing geographical information.
Figure 6 is a conceptual diagram of a method of forcibly exchanging the electronic securities of a member who has applied for physical conversion with the electronic securities of another member.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings, showing specific and various examples so that those skilled in the art can easily implement the present invention. However, it is clear that the embodiments of the present invention can be implemented through various changes or modifications within the scope of the present invention, and therefore are not limited to the described embodiments. In addition, since the embodiments of the present invention can be implemented by those skilled in the art by adding well-known parts, functions, methods, and typical details, it will not be described in detail.

Embodiments of the present invention may be implemented as a combination of software and hardware, and the software and hardware may be described as parts, modules, parts, etc., and may be in the form of computer-readable program code implemented on a recording medium. It can be implemented as:

The connection between components may be a wired connection or a wireless connection to transmit data, signals, information, etc., and may also include indirect connections with other components in between.

‘Including’ a certain component does not mean excluding other components, but rather including other components, unless specifically stated to the contrary.

Referring to the network configuration diagram of FIG. 1, the real estate investment support system through electronic securities according to an embodiment of the present invention includes a securitization system 100 that brokers transactions in electronic securities that give the property value of real estate, and a securitization system 100. A computing device (200) that implements an electronic wallet (210) for trading electronic securities and a blockchain-based transaction ledger (220) that records electronic securities transfer information as a member's terminal registered to receive transaction brokerage services. Includes.

The securitization system 100 issues electronic securities with the real property value of real estate, allows members to purchase them, and also brokers transactions between members. Then, the member creates a member account in the securitization system 100, accesses the securitization system 100 through the network 300 using the computing device 200 on which the electronic wallet 210 is implemented, and then purchases electronic securities. It allows transactions to buy and sell.

As a feature of the present invention, the securitization system 100 divides real estate into uniform sizes and then issues electronic securities corresponding to each divided location, allowing the location-assigned electronic securities to be traded even with a small amount, and at a certain rate. Members who hold electronic securities are provided with a platform that gives them the right to use the amount of electronic securities they own according to the location of the electronic securities.

Here, the use rights given to the real estate area corresponding to electronic securities include ownership to transfer ownership through the physical sale of real estate, rental usage rights to rent and use real estate in physical form, and the right to receive profits generated from real estate. By pre-setting one of the dividend rights, the purpose of real estate investment can be diversified depending on the real estate. To this end, when registering real estate to issue electronic securities, you can choose between sale type, rental type, and profit distribution type.

Accordingly, it is possible to indirectly invest in real estate by trading individual electronic securities with a small value of the divided real estate, thereby promoting the securitization of real estate.

In addition, the value of individual electronic securities is differentiated according to location to encourage competitive transactions, and by granting usage rights equivalent to the quantity of electronic securities held according to the corresponding location of the electronic securities, direct investment in real estate can be activated. .

Here, electronic securities can be issued and traded as blockchain-based digital assets, like cryptocurrencies such as Bitcoin and Ethereum.

For this purpose, the electronic wallet 210 is a cryptographic wallet that stores private keys and public keys to store electronic securities purchased by members, and, as is well known, can be implemented as various types of wallets. You can. The transaction ledger 220 is a collection of blocks containing transaction information and is called a blockchain ledger or distributed ledger that allows blocks containing new transaction information to be added. In the present invention, electronic securities transfer information is used. Use transaction information.

As an example, the electronic wallet 210 is implemented as a 'Client Wallet' on the member's computing device 200, and the transaction ledger 220 is also implemented on the member's computing device 200. At this time, the computing device 200 may be configured as a desktop computer, a laptop computer, a mobile terminal (eg, a smart phone or a personal digital assistant), a tablet device, or another type of computing device capable of communicating over a network. In addition, the computing device 200 is installed with a wallet application that will link to the securitization system 100 using the electronic wallet 210, and has a node function to form a blockchain network. there is.

The mainnet server unit 140 provided in the exchange system 100 processes electronic wallet transfers on the blockchain network (or mainnet) when trading electronic securities through the exchange system 100, so that each computing It can be propagated to the device 200. In other words, by adding electronic securities transfer information to the blockchain-based transaction ledger 220, electronic securities can be transferred from the selling member's electronic wallet to the purchasing member's electronic wallet.

This blockchain network can be configured by the mainnet server unit 140 or by a separate distributed server.

As a consensus algorithm in a blockchain network, for example, a small number of nodes elected through stake delegation verify blocks and actually operate the blockchain network, and many nodes mediate transactions through the blockchain network. The service can be used, and for this purpose, the transaction processing speed can be maintained high even as the number of nodes increases by combining the dPoS (Delegated Proof of Stake) algorithm with the VRF-PBFT (Verifiable Random Function-Practical Byzantine Fault Tolerance) algorithm. This may be to ensure agreement.

In addition, the electronic wallet 210 is connected to a member account of the financial server 400 that has opened a legal currency transaction account, for example, so that when buying or selling electronic securities through the exchange system 100, the electronic securities It can be exchanged with . Of course, by receiving cash, which is legal currency, and using digital assets that can be equivalently exchanged with cash in the electronic wallet 210, electronic securities can be traded using the digital assets.

Such blockchain network technology and the technology for trading electronic securities using the electronic wallet 210 are known technologies and are actually implemented in various forms, so further detailed description will be omitted and the securitization system 100 Even when explaining , detailed descriptions of related technologies will be omitted.

In addition, the computing device 200 in which the electronic wallet 210 and the transaction ledger 220 are implemented can also enable direct transactions through a protocol for electronic securities transfer between the computing devices 200. In the description of the embodiment of the present invention, brokerage transactions through the exchange system 100 will be described in detail.

The securitization system 100 includes a mainnet server unit 140 for transferring electronic securities to a member's electronic wallet by adding electronic securities transfer information to the blockchain-based transaction ledger 220 when brokering a transaction; A securitization department (110) that issues electronic securities for real estate for which the real estate owner has applied for issuance of electronic securities, and a mainnet server unit (140) that brokers transactions between members so that issued electronic securities can be traded between members, and the mainnet server unit (140) ), an exchange department 120 that processes electronic securities transfers, and a real conversion support department 130 that performs procedures to grant the right to use real estate to members holding a certain percentage of electronic securities issued for the same real estate, Supports the performance of the functions of the Exchange Department 120 and the Real Conversion Support Department 130 by storing electronic securities issuance information in the Securitization Department 110 and electronic securities transaction information in the Exchange Department 120 and the Real Conversion Support Department 130. It includes a database unit 150 that does.

Here, the mainnet server unit 140 performs a function on a known blockchain network that records electronic securities transfer information according to electronic securities transactions in the blockchain-based transaction ledger 220, so detailed description is omitted.

Real estate subject to issuing electronic securities in the securitization department 110 may include, for example, land, buildings, and trees, and a procedure to guarantee the value of the electronic securities by assigning the property value of the real estate to the electronic securities is preceded. It must be done. For example, by verifying the owner information and whether the real estate exists by checking the register, checking whether there is seizure or lien, and evaluating the property value by conducting preliminary research on market price information, previous transaction history, profit information, etc., real estate The valuation amount is determined, and a contract may be concluded to ensure that no changes in property rights occur afterward, such as the actual sale of real estate or the creation of collateral.

The securitization department 110 for registering real estate that has preceded these preliminary procedures includes the name of the real estate for which it has been decided to issue electronic securities (for example, a name determined according to the address of the land, a building name, etc.), and information related to the use ( (e.g., field, farm, orchard, forest, salt farm, site, factory site, school site, parking lot, commercial building, residential building, etc.) and address, for example, area in case of land, total floor area in case of building, and number of trees. In this case, the real estate quantity such as the number of trees, the electronic securities issuance price (total issuance price) according to the real estate valuation, the number of real estate divisions, real conversion conditions, real conversion demarcation line information, and electronic securities type are entered and stored. Register 111, an asset virtualization unit 112 that divides the real estate registered in the real estate register 111 equally by the number of real estate divisions and then names each divided area as a virtual real estate by assigning a virtual coin according to its location, and It includes an electronic securities issuing unit 113 that issues new electronic securities for each virtual real estate named by the asset virtualization unit 112.

The plurality of electronic securities issued here have a one-to-one correspondence with each virtual real estate named by dividing the real estate, and are assigned virtual addresses to distinguish them from each other and identify the geographical location, so they also have geographical location. Additionally, each electronic security has a uniform value by dividing the real estate equally. At this time, the value of the electronic securities is the value of the electronic securities issuance price divided by the number of real estate divisions, so it will be traded at a standardized uniform price when first sold, but may fluctuate when trading between members as described later.

The physical conversion condition entered into the real estate register 111 is applied as a condition for giving the right to use the physical conversion in the real conversion support unit 130, as described later, and the total quantity of electronic securities issued for real estate. It can be preset as a ratio of the quantity of electronic securities held by members. In other words, members who hold electronic securities exceeding a preset ratio for the same real estate are eligible to apply for physical conversion.

In order to grant use rights through physical conversion, the real estate must be divided and the area to be given use rights must be determined. At this time, the physical conversion demarcation line to be applied must be entered in advance, and the real estate area to which use rights can be granted, that is, the area where use rights can be given, is determined by dividing the real estate into real estate. It can be selected appropriately.

The physical conversion dividing line can be determined in advance and input according to the type of registered real estate. In other words, each real convertible area demarcated by the physical conversion dividing line may equally divide real estate so that the registered real estate has a quantity of real estate corresponding to the electronic securities at the preset ratio, and in this case, the dividing line is defined as above. It can be entered in advance as a physical conversion dividing line. For buildings partitioned by walls, the physical conversion dividing line can be drawn along the wall. In the case of standing trees, it can be divided into areas with the number of trees at the above preset ratio.

However, the actual convertible area may not have a uniform size. In particular, since the size of the space divided by the wall may be different in the building, in this case, the preset ratio may be set differently for each area that can be converted to the actual structure. Likewise, in the case of land, it is divided into appropriate lots according to the shape of the land border or location conditions, or it may already be divided into several lots, so such land may also have real conversion areas with different areas. The preset ratio can be set differently for each physical conversion possible area.

The types of electronic securities can be classified into sales type, rental type, and profit distribution type depending on the right to use the real estate area corresponding to the electronic securities of the preset ratio held by the member. Here, the sale type gives ownership, the lease type gives the right to use the property, and the profit distribution type gives the right to receive dividends from the real estate.

As a specific example, an example targeting land will be described. In the case of buildings and trees, the form of virtual real estate corresponding to electronic securities and the type of area to which minimum use rights are given are different from land, but electronic securities are issued by dividing them and use rights for the area corresponding to the above preset ratio. Since it is done in the same way in that it is possible to give, the description of the embodiment targeting buildings or standing trees is omitted because it can be understood only by the description of the embodiment targeting land.

FIG. 2 is a map in which the land 10 on which electronic securities will be issued is divided into a plurality of areas where real conversion is possible according to the real conversion demarcation line 11.

In order to issue electronic securities for land 10, the name given to the land, the use of the land, the land number address (real estate address) of the land 10, the area in pyeong or square meters (real estate quantity), and the real estate The electronic securities issuance price (total issuance price) according to the appraisal value, the number of real estate divisions (i.e., the number of electronic securities issuance), the physical conversion conditions, the coordinate information of the physical conversion demarcation line 11 illustrated in FIG. 2, and the electronic augmentation. Enter the type information into the real estate register (111).

Here, in the case of land 10 divided into multiple parcels, the lot number address of each parcel is input.

The number of real estate divisions (number of electronic securities issuance) should be set so that the difference with the value of electronic securities to be issued for other real estate is not large, but may be an appropriately determined number considering that land value will increase through future development.

The physical conversion dividing line 11 may be determined by taking into consideration the shape of the land 10, whether it is divided into multiple lots, accessibility through surrounding roads, etc. Meanwhile, the physical conversion demarcation line 1 is set so that the demarcated areas overlap, so that the physical conversion can be done by maximally reflecting the area corresponding to the electronic securities of the member who applied for physical conversion as described below. In other words, a physical conversion demarcation line 11 can be set so that various areas for physical conversion can be selected depending on the electronic securities subject to physical conversion. This physical conversion demarcation line 11 can be entered by displaying it on a map expressed as an electronic map, thereby improving input convenience.

The conditions for real conversion can be viewed as the size of the area demarcated by the real conversion demarcation line 11, and as described later, the number of virtual real estate belonging to the area, the number of electronic securities at a preset ratio among the total number of electronic securities issued, or This can be done at a preset ratio. When the size of the physical conversion possible area divided by the physical conversion dividing line 11 is different, it may be set differently for each area.

The type of electronic securities is determined depending on the registration purpose of the owner who wants to issue electronic securities for land among sale, rental, and profit distribution types, and determines the type of use rights granted by conversion to real estate.

Meanwhile, the above-mentioned electronic securities issuance price, number of real estate divisions (or number of electronic securities issuance), and physical conversion conditions may be determined differently for each type of electronic securities.

As illustrated in FIG. 3, the asset virtualization unit 112 divides the land 10 registered in the real estate register 111 to have an equal area, and each area divided by division is a virtual real estate with a virtual address. It is named as

As illustrated in FIG. 3, the land 10 is divided into a plurality of virtual real estate 12 having equal areas and smaller than the area of the real convertible area demarcated by the real conversion demarcation line described with reference to FIG. 2, Each virtual real estate 12 is assigned a different virtual address depending on its location, separate from the lot address of the land 10. Accordingly, the geographical location of the virtual real estate 12 can be known as a virtual address. Of course, if the land 10 is divided into multiple parcels, the virtual address can be obtained by adding numbers or letters to the lot address of the parcel.

The electronic securities issuing unit 113 issues new electronic securities corresponding one-to-one to a plurality of virtual real estate properties 12. At this time, electronic securities issued for the same real estate can be issued at a standardized amount, excluding the location condition identified by the virtual address.

Assuming that 5,000 pyeong of real land is securitized into electronic securities, it may differ depending on the region or location conditions, but for example, it can be purchased for a small amount by dividing it into 500,000 virtual real estate (virtual lands) and issuing 500,000 electronic securities with a value of 0.01 pyeong. It allows investment by increasing the quantity of electronic securities available.

Here, the issued electronic securities must have at least a security number (a security number assigned to identify the electronic securities) and a virtual address (the virtual address of the virtual real estate corresponding to the electronic securities) as attribute information, and the item (e.g. notification) determined by name), land lot address (real estate address), total physical area of land (quantity of real estate), physical area of virtual real estate, issuer (real estate owner), date of issuance, electronic securities issuance price, number of electronic securities issuance, type of electronic securities , real conversion conditions, etc. may be added to the attribute information, and it has a hash to verify this attribute information.

Meanwhile, the information entered in the real estate register 111 and the electronic securities issuance information generated when issuing electronic securities for each virtual real estate to which a virtual address is assigned by the asset virtualization unit 112 and the electronic securities issuance unit 113 are It is stored in the database unit 150.

The exchange unit 120 provides an interface for accessing and trading electronic securities through the computing device 200, brokers trading of newly issued electronic securities, and exchanges transactions between members through the computing device 200. It mediates electronic securities transactions and processes electronic securities transfer information generated according to electronic securities transactions as a transaction through the mainnet server unit 140, thereby adding it to the transaction ledger 220, which is a distributed ledger. Accordingly, the electronic securities are delivered to the member who receives the electronic securities according to the electronic securities transfer information.

The interface at this time may be used to trade by linking sell orders and buy orders like normal stock trading, and exchange it for fiat currency through the financial server 400 when the transaction is completed. Electronic securities trading through this interface is not known. You can borrow various existing technologies, and you can borrow the trading method of a stock exchange that provides trading prices and trading quantities as charts while accepting sell and buy orders and allowing them to be traded, and a list of electronic securities by real estate and the current A simple, conventional method that allows you to place a buy order by selecting from a list showing the sell price can also be applied.

However, when providing transaction information for each real estate as an item and brokering a transaction, transaction information is provided that classifies the real estate into industries such as land, buildings, and timber, and types such as sales, rental, and profit distribution types. It is good to provide .

In addition, electronic securities transfer information includes purchase price and attribute information as well as buyers and sellers of electronic securities, and is recorded in the transaction ledger 220 as a transaction block. Accordingly, an environment can be provided in which members can open the electronic wallet 210, check the quantity of electronic securities they own as well as the attribute information of each electronic security, sell them, and purchase additional electronic securities.

Meanwhile, newly issued electronic securities can be traded in the exchange department 120 after the securitization department 110 pays the electronic securities to the land (real estate) owner's electronic wallet 210. In other words, electronic securities transfer information for transferring newly issued electronic securities to the address of the owner's electronic wallet 210 can be generated and recorded in the blockchain of the transaction ledger 220 through the mainnet server unit 140. .

However, in order to facilitate the sale of newly issued electronic securities, a separate interface can be provided to publicly purchase electronic securities. For example, for newly issued electronic securities, the land address (real estate address), land area (real estate waterfront), issue price, number of issues, physical conversion conditions, electronic securities type, physical conversion demarcation line information, etc. are disclosed and disclosed information. Accordingly, an interface for purchasing electronic securities can be provided.

Meanwhile, after electronic securities of a preset sales ratio among the total issued electronic securities are publicly sold, the remaining electronic securities may be delivered to the electronic wallet 210 of which the landowner is a member. And, as mentioned above, it is possible to sell according to transactions between members.

In addition, as will be described later, the exchange department 120 announces the location and scope of the land area (real estate area) to which the real conversion support unit 130 has given the right to use according to the application for real conversion, in the process of brokering transactions between members. Electronic securities can be traded while taking into account the land area to which usage rights have been granted. Since it is desirable to announce the land area to which use rights have been granted in a way that can confirm its location and extent, the geographic information service described below can be used.

The exchange unit 120 is a geographic information service unit 121 that confirms the geographical location corresponding to the electronic securities according to the virtual address assigned to the virtual real estate (virtual land in this embodiment) for which the electronic securities were individually issued. It is possible to provide an interface screen as illustrated in FIG. 4.

However, when selling issued electronic securities for the first time, the interface screen does not provide a geographic information service that confirms the geographic location of the virtual address corresponding to the electronic securities to be sold, and the geographic location of the corresponding virtual address is excluded. Geographical information services can be provided only when securities are randomly selected and sold, and electronic securities transactions between members are brokered.

At this time, the geographic information service can distinguish the virtual real estate (12-1) corresponding to the electronic securities currently ordered for sale in a drawing in which the land (10) is divided into a plurality of virtual real estate (12) as illustrated in FIG. This can be done by displaying it. Additionally, as shown in FIG. 4, the sell order price 13 of electronic securities may be viewed by matching the position of the virtual real estate 12-1 ordered for sale with an indicator line. In other words, in addition to the general transaction brokerage method of showing the quantity of electronic securities ordered to sell in the order of the desired selling price, it shows the geographical location corresponding to the electronic securities, allowing the buyer to confirm the location and purchase. You can also place a purchase order by tapping the virtual real estate (12-1) displayed as an electronic security that has been ordered to sell on the land (10) map.

As a modified example, bundled sales of multiple electronic securities held by a member may be permitted, and multiple electronic securities with the right to use may be announced as described below.

*Bundle selling allows a member to place a sell order by bundling multiple electronic securities corresponding to adjacent virtual real estate among the electronic securities held by the member. This bundle sale can also be used when selling electronic securities with leased usage rights in bulk, as described later. As a specific method, a method of additionally displaying the bundled sale quantity among the quantity of electronic securities ordered for sale and a method of additionally displaying a bundle display when matching the electronic securities ordered for sale with virtual real estate (12) on the land (10) map are used. You can.

When announcing multiple electronic securities that have been granted the right to use, a map of land (10) showing virtual real estate (12) can be used.

As a specific example, since the right to use electronic securities for sale is ownership, the location of the virtual real estate 12 to which the right to use is given is displayed on the land 10 map so that it can be seen that it has been sold. Accordingly, members who wish to trade electronic securities can trade electronic securities while recognizing the location of the sold virtual real estate. Of course, the sold area can be securitized by issuing new, separate electronic securities.

Since the right to use leased electronic securities is a leased use right, the location of the virtual real estate 12 to which the right to use has been given is displayed on the land 10 map so that it can be seen that it has been leased. Since rental electronic securities are not intended for transfer of ownership, electronic securities corresponding to the virtual real estate 12 that has been given the right to use can be sold at the exchange unit 120, and bundled sales are also possible as described above.

In addition, when accessed through the computing device 200, the exchange unit 120 can provide the geographic information service illustrated in FIG. 5 to the electronic securities held by members through the electronic wallet 210 of the computing device 200. there is.

As a specific example, when opening the electronic wallet 210, the screen 20 illustrated in FIG. 5(a) may be output to the computing device 200. Looking at the screen 20, there is an industry (21) classified into real estate types such as land, buildings, and standing trees, and a type (22) classified into sale type, rental type, and profit distribution type, which can be, for example, the name of the real estate. It shows a list of members' electronic securities stored in the electronic wallet (210) in a table format with the items (23) and the holding quantity (24) of electronic securities of the relevant item (23) as items. Afterwards, when an item (23) is selected, a list of electronic securities of the item (23) is displayed, and when an electronic security is selected, the attribute information mentioned above can be displayed in detail.

In addition, when selecting the item 23, as illustrated in FIG. 5(b), on the map of the land 10 divided into virtual real estate 12, the electronic securities held by the member (electronic securities of the same item 23) are displayed. An interface screen that distinguishably displays the corresponding virtual real estate 12-2 may be provided. For convenience when selling, you can select the electronic securities to sell by tapping the location of the virtual real estate (12-2) on the land map to select the electronic securities to sell according to the location of the virtual real estate on the land map. there is.

In addition, although not shown in the interface screen illustrated in FIG. 5(b), when holding electronic securities exceeding the quantity calculated by multiplying the total quantity of electronic securities issued for the same real estate (item) by a preset ratio, You can add a selection button to apply for physical conversion.

The physical conversion support unit 130 performs the procedure for granting the aforementioned usage rights.

The physical conversion support unit 130 responds to the electronic securities held by the member when a member who holds electronic securities exceeding a preset ratio among electronic securities issued for the same land (same real estate, same item (23)) applies for physical conversion. The right to use land is given by adding up the virtual real estate, that is, land corresponding to a preset ratio of the total land area.

An embodiment of the present invention includes a cluster analysis unit 131 that performs cluster analysis on electronic securities for each member in order to grant use rights to land in an area where virtual real estate is concentrated.

The cluster analysis unit 131 divides electronic securities held by members into clusters according to the location of the corresponding virtual real estate, and calculates the density for each cluster. In other words, electronic securities are classified into clusters whose density is calculated according to the location characteristics of the virtual real estate. Here, the member's electronic securities can be classified into a plurality of clusters according to the distance between virtual real estate, and the density can be calculated using various known formulas.

In the embodiment of the present invention, the physical convertible area can be determined by the physical conversion demarcation line 11 input through the securitization unit 110, so compared to the area of the physical convertible area with clusters classified by cluster analysis Density can also be calculated as a ratio of the combined area of virtual real estate belonging to a cluster. Alternatively, electronic securities held by members are classified according to the physical convertible area to which the electronic securities belong, the physical convertible area is grouped, and the member-held electronic securities are divided into physical units by physical convertible area or the total quantity of electronic securities in the possible area. Density can also be calculated depending on the quantity.

When an application for physical conversion is received, the physical conversion support unit 130 forcibly exchanges the electronic securities with the electronic securities of other members so that the virtual real estate corresponding to the electronic securities of the applicant member occupies a predetermined area. To this end, electronic securities transfer information for a forced exchange transaction is generated and transmitted to the mainnet server unit 140, thereby changing the electronic securities held by the member to be subject to a forced exchange transaction.

Here, the predetermined area can be a physical conversion area divided by a physical conversion dividing line input through the securitization unit 110.

In order to provide a choice of the area that will have the right to use, the predetermined area is selected from the real convertible area that belongs to the cluster with the highest density among the clusters obtained for the applicant member's electronic securities, and the land area with the highest concentration of virtual real estate is selected. This can be an area for which usage rights are granted.

The forced exchange transaction of electronic securities for this purpose will be described with reference to FIG. 6.

Figure 6 is a conceptual diagram of a method of forcibly exchanging the electronic securities of a member who has applied for physical conversion with the electronic securities of another member. The exchange of electronic securities is an exchange of virtual real estate (12-2, 12-3) corresponding to the electronic securities. It is a drawing expressed as .

Referring to FIG. 6, among the virtual real estate (12-2) of the applicant member, the virtual real estate that is forced to be exchanged with the virtual real estate (12-3) of another member is in the real convertible area (real conversion demarcation line (11)) where the highest density cluster belongs. ) is selected as a virtual real estate belonging to the remaining clusters excluding the area demarcated by ), and other members' virtual real estate belonging to the real conversionable area to be concentrated is selected and forced to be exchanged.

Accordingly, members who own a large amount of virtual real estate and are eligible for conversion to real estate are given the option to choose the location of the land area for which they have been granted the right to use, but it may reduce the density of virtual real estate held by other members who are subject to forced exchange transactions.

As part of complementing this, the virtual real estate that is forced to be exchanged with the virtual real estate of other members belonging to the real convertible area to be concentrated among the virtual real estate of the applicant member is the virtual real estate of the other member who holds the virtual real estate (12-3) for which the virtual real estate is to be traded for forced exchange. You can select a virtual real estate that is close to the highest density cluster of virtual real estate. In other words, even if the applying member forcibly exchanges another member's virtual real estate, it contributes to further increasing the density of the other member's highest density cluster by allowing the other member to own virtual real estate adjacent to the other member's highest density cluster.

Meanwhile, if the quantity of electronic securities held by the applicant member exceeds the preset ratio and there are remaining electronic securities with the right to use, the electronic securities can be traded individually through the exchange unit 120.

Additionally, if the size of the physically convertible area is different for each land area, the above preset ratio may be applied according to the size of the physically convertible area to which the highest density cluster of applying members belongs.

The right to use the real estate area announced by the real estate conversion support unit 130 is determined according to the type of electronic securities to be converted into real estate, that is, the type of electronic securities entered by the securitization unit 110.

For sale-type electronic securities, for example, ownership will be transferred by dividing the real estate area for which the right to use has been granted into lots and conducting an actual sale transaction. Therefore, prior to carrying out such ownership transfer procedures, advance notice is given and the exchange department informs that ownership will be transferred by dividing the lots. It is announced as described above in (120).

In addition, since electronic securities corresponding to virtual real estate belonging to the real estate area to which ownership has been given are no longer subject to transactions, electronic securities transfer information to retrieve the electronic securities from the member's electronic wallet is generated and the mainnet server unit ( By transmitting it to 140), it is deleted from the transaction ledger (220). For example, by creating electronic securities transfer information with the exchange unit 120, which does not purchase electronic securities, as the buyer, it is possible to prevent further transactions.

For leased electronic securities, a leased use right for the real estate area to which the right to use has been given will be given, and the fact that such a leased use right has been granted is made public in the exchange department 120.

For profit-dividend electronic securities, the profits generated in the real estate area to which the usage rights have been granted will be exclusively distributed, so the real estate areas to which such exclusive distribution rights have been granted are announced in the exchange department 120. For example, for members who hold electronic securities issued in the form of profit dividends, the profits generated from all real estate are distributed in proportion to the amount of electronic securities held by allocating the same amount per electronic security, and exclusive dividend rights for real estate areas that have applied for real estate conversion. The present invention can be operated in a manner that provides.

Electronic securities corresponding to virtual real estate belonging to the real estate area with rental usage rights or exclusive dividend rights can be sold by members through the exchange department 120, and at a price plus a premium when selling bundles as described above. You can also sell it.

In this way, by granting the right to use in accordance with the application for real estate conversion, even electronic securities issued for the same real estate have differentiated value depending on the location, leading to investment in the real estate, and when an area where real investment is made occurs, the real estate in a nearby area Investment value will also increase, which will stimulate real investment in real estate as a whole.

Meanwhile, the database unit 150 contains information related to electronic securities issued by matching the information entered in the securitization unit 110, virtual addresses and virtual real estate, and electronic securities transfer information generated in the exchange unit 120. It stores electronic securities transaction information, including electronic securities transaction information, and information related to areas converted into real ones by the real conversion support unit 130, thereby supporting the performance of the functions of the exchange unit 120 and the real conversion support unit 130.

However, in the embodiment of the present invention described above, electronic securities are traded through the exchange system 100, but the blockchain network (or mainnet) by the mainnet server unit 140 is connected to the computing device 200. If direct trading of electronic securities between people is implemented, the database unit (220) can be obtained through the mainnet server unit 140 when operating the exchange unit 120 and the real conversion support unit 130. 150) storage information can be updated.

In the above, specific embodiments have been shown and described to illustrate the technical idea of the present invention, but the present invention is not limited to the same configuration and operation as the specific embodiments as described above, and various modifications may be made without departing from the scope of the present invention. It can be carried out within. Accordingly, such modifications should be considered to fall within the scope of the present invention, and the scope of the present invention should be determined by the claims described below.

10: Land 11: Real conversion demarcation line 12: Virtual real estate
100: Exchange system
110: Securitization Department
111: Real Estate Register 112: Asset Virtualization Department
113: Electronic Securities Issuance Department
120: Exchange Department
121: Geographic Information Services Department
130: Real conversion support department
131: Cluster analysis unit
140: database unit
150: Mainnet server unit
200: computing device
210: Electronic wallet 220: Transaction ledger
300: Network
400: Financial sector server

Claims (8)

A securitization system (100) that brokers transactions by issuing electronic securities that give the property value of real estate; And a plurality of computing devices (200) that constitute a blockchain network by implementing a member's electronic wallet (210) for purchasing, storing, and trading electronic securities and a transaction ledger (220) that records electronic securities transfer information. ,
The securitization system 100 is
A mainnet server unit (140) for adding electronic securities transfer information to the blockchain-based transaction ledger (220) and transferring electronic securities to the member's electronic wallet;
A securitization unit 110 that divides the real estate requested to issue electronic securities into a plurality of virtual real estate locations identified by virtual addresses, and then issues new electronic securities for each virtual real estate;
It brokers transactions to purchase newly issued electronic securities through the computing device 200, brokers electronic securities transactions between members through the computing device 200, and transfers electronic securities according to electronic securities transactions through the mainnet server. an exchange unit 120 to be processed by the unit 140;
When a member who holds more than a preset ratio of electronic securities for the same real estate applies for conversion to real estate, the electronic securities are transferred to another member's electronic securities so that the virtual real estate corresponding to the electronic securities of the member who applied for physical conversion occupies a certain area. A real conversion support unit ( 130);
containing
Real estate investment support system through electronic securities. According to clause 1,
The physical conversion support unit 130
Including a cluster analysis unit 131 that classifies electronic securities into a plurality of clusters according to the location of the virtual real estate and performs a cluster analysis to calculate the density of each cluster on the electronic securities for each member,
Among the electronic securities of the member who applied for physical conversion, electronic securities that do not belong to the highest density cluster are forcibly exchanged with electronic securities of other members within the area with the highest density cluster to obtain an area of real estate that will be given the right to use.
Real estate investment support system through electronic securities. According to clause 2,
Among the electronic securities of members who applied for physical conversion at the physical conversion support department (130), electronic securities that are forced to be exchanged with other members are
Select electronic securities that are close to the highest density cluster of other members holding electronic securities for which you wish to make a forced exchange transaction.
Real estate investment support system through electronic securities. According to clause 1,
The physical conversion support unit 130
Ownership resulting from real estate sales is the right to use, and the transfer of electronic securities to recover electronic securities in the area to which the right to use is given is processed by the mainnet server unit 140, and recovered from the member's electronic wallet.
Real estate investment support system through electronic securities. According to clause 1,
The physical conversion support unit 130
The right to use according to real estate lease is the right to use, and the electronic securities in the area to which the right to use is given are announced in the exchange department 120.
Real estate investment support system through electronic securities. According to clause 1,
The exchange unit 120 is
Allows members to bundle sell orders for multiple electronic securities corresponding to adjacent virtual real estate among their electronic securities.
Real estate investment support system through electronic securities. According to clause 1,
The exchange unit 120 is
When electronic securities with a preset sales ratio among the issued electronic securities are sold, the mainnet server unit transfers the remaining electronic securities to the electronic wallet 210 whose members are real estate owners who requested electronic securities issuance. It is processed at (140) and can be sold as a transaction between members.
Real estate investment support system through electronic securities. According to clause 1,
The exchange unit 120 is
When selling issued electronic securities for the first time, they are randomly selected and sold without displaying the geographic location of the virtual address, and when brokering electronic securities transactions between members, the geographic location of the virtual address of the electronic securities is displayed to determine the geographic location. confirming
Real estate investment support system through electronic securities.