KR102210619B1 - System for providing risk assessment service for real estate deal closing - Google Patents

Abstract

Provided is a system for providing a real estate transaction risk analyzing service, which comprises: a user terminal for receiving a real estate-type to be analyzed, an address of a real estate to be analyzed for rights, a transaction-type, and a sales amount or rental amount in accordance with the transaction-type, and outputting a real estate transaction risk report; and an analysis service providing server including a price risk analysis unit for calculating whether a price is an appropriate market price on the basis of a sales market price or rental market price of the real estate, and a right risk analysis unit for confirming whether there is a right risk based on whether a restricted real right is set by scraping at least one of a building register, a land register, a certified copy of real estate register of a building, and a certified copy of real estate register of a land. Accordingly, an unstable factor in real estate transactions can be removed in advance.

Description

Real estate transaction risk analysis service provision system {SYSTEM FOR PROVIDING RISK ASSESSMENT SERVICE FOR REAL ESTATE DEAL CLOSING}

The present invention relates to a system for providing a real estate transaction risk analysis service, and provides a platform for safe transactions according to the entire process before and after a contract by analyzing real estate transaction risk from various angles.

As the value of money falls and real estate transactions are activated in the form of property preservation, related real estate fraud crimes are also occurring intelligently. Abnormally raise real estate prices and induce speculation, or write a real estate double contract for officetels to deprive the jeon tax; a scam that borrows money from victims as collateral after buying a can real estate whose jeonse deposit is close to the sale price. Techniques, planning real estate companies that buy and sell real estate and are not responsible for them, trick the brokerage assistant into writing a contract as if they were a real estate agent and run away with a deposit deposit, a trick to dazzle consumers by proposing bait products such as false or exaggerated real estate. An illegal dumping method that makes a profit by disguised transfer, or reselling during the prohibition of resale period, a method of engaging in a house price locker, a method of intercepting jeonse money from tenants in the middle of making a lease contract with favorable conditions, actual transaction It is damaging and damaging the dreams of common people, such as how to report violations, how to encourage investment or arrange joint investments.

At this time, a platform for predicting or analyzing the risk of a transaction before and after real estate transactions was researched and developed. In this regard, Korean Patent Registration No. 10-1996797 (announced on July 4, 2019) and Korean Patent Registration No. 10, which are prior art. In 1971838 (announced on August 13, 2019), real estate information including the address of the real estate is received from the analysis request terminal that requests analysis to perform at least one of selling, buying, leasing, and leasing real estate, and Based on the information, the type of real estate, the relationship between the owner's bonds and debts, the maximum bond amount of the mortgage registered in the real estate, and the real estate market price of the real estate are collected. And a configuration in which a numerical value including the risk is calculated, the risk level previously mapped to the calculated numerical value, and the stored risk level is extracted and the risk level result is transmitted to the analysis request terminal, and the intermediary terminal performs a pre-validation process and is paid with the recipient terminal. By designating an escrow secure transaction by designating a terminal, it receives payment information of intermediary payments and balances, confirms the performance details and performs the escrow verification process, and performs escrow payment, escrow payment, and difference return when escrow verification is completed. Each configuration and completion process are disclosed.

However, when analyzing only prices and rights based on address, it is impossible to predict the deception, derogation, embezzlement, and invasion of brokers, owners, unauthorized persons, and limited rights holders. According to precedents and scholars' opinions about the cases of real estate crimes for the purpose of illegal means and tax evasion, the issue of criminal law for real estate crimes is legal responsibility due to double mortgage, externally, the trustee is the real estate owner, but internally The beneficial owner has a lot of legal responsibilities arising from the trustee's name trust, and the unilateral disposition of real estate provided as collateral. In addition, even though it is a land or building subject to public or private regulation, there are cases where it is sold as if the regulation does not exist, or sells blind land that is not adjacent to the road or land that passes through the road. Even if there are changes to the registered copy before the report, the risk of transaction is inevitable. Therefore, research and development of a platform capable of analyzing the risks arising from real estate transactions in all directions by continuously grasping and monitoring crimes and regulations that may occur before and after a contract is required during the transaction process is required.

An embodiment of the present invention is a price risk analysis, rights risk analysis, contract risk analysis, study risk analysis by monitoring and analyzing the owners of land or buildings, restricted real rights, and private or public regulatory matters before and after the contract. , Public or private regulation analysis and post-contract registration changes, as well as market prices and rights, as well as risks and study risks, and various regulations, so as not to suffer damage in good faith. By notifying of changes in registration. It is possible to provide a method of providing a real estate transaction risk analysis service that can detect defects in the rights relationship, remove the unstable factors of real estate transactions in advance, and prevent the occurrence of defective registration in advance. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention receives input of the type of real estate object to be analyzed, the address of the real estate to be analyzed rights, the transaction type and the amount of lease according to the transaction type, and Scraping at least one of a user terminal that prints a transaction risk report and a price risk analysis unit that calculates the appropriate price based on the sale price or rental price of real estate, a building ledger, a land ledger, a building register copy, and a land register copy ( It includes an analysis service providing server including a rights risk analysis unit that checks whether there is a right risk based on whether or not a restricted property right is set by scraping).

According to any one of the above-described problem solving means of the present invention, price risk analysis, rights risk analysis, contract by monitoring and analyzing the owners of land or buildings, restricted real rights, private or public regulatory matters before and after the contract Risk analysis, study risk analysis, public or private regulation analysis, and post-contract registration change analysis, such as not only the market price and rights, but also the risks and study risks, and various regulations according to the contract, so as not to suffer harm in good faith. By notifying registration changes that occur after contracting and before registration. It is possible to find defects in the rights relationship, remove the unstable factors of real estate transactions in advance, and prevent the occurrence of defective registration in advance.

1 is a view for explaining a real estate transaction risk analysis service providing system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating an analysis service providing server included in the system of FIG. 1.
3 is a diagram for explaining an embodiment in which a checklist database is implemented according to an embodiment of the present invention.
4 is a view for explaining an embodiment in which a price risk analysis database is implemented according to an embodiment of the present invention.
5 is a view for explaining an embodiment in which a right risk analysis database according to an embodiment of the present invention is implemented.
6 is a diagram for explaining an embodiment in which a contract risk analysis database according to an embodiment of the present invention is implemented.
7 is a view for explaining an embodiment in which a study risk analysis database according to an embodiment of the present invention is implemented.
8 is a view for explaining an embodiment in which a registration change analysis database is implemented according to an embodiment of the present invention.
9 is a diagram for explaining an embodiment in which a real estate transaction risk analysis service according to an embodiment of the present invention is implemented.
10 is a flowchart illustrating a method of providing a real estate transaction risk analysis service according to an embodiment of the present invention.

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 the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and similar reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only "directly connected" but also "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, and one or more other features, not excluding other components, unless specifically stated to the contrary. It is to be understood that it does not preclude the presence or addition of any number, step, action, component, part, or combination thereof.

The terms "about", "substantially" and the like, as used throughout the specification, are used in or close to the numerical value when manufacturing and material tolerances specific to the stated meaning are presented, and are used in the sense of the present invention. To assist, accurate or absolute figures are used to prevent unfair use of the stated disclosure by unscrupulous infringers. As used throughout the specification of the present invention, the term "step (to)" or "step of" does not mean "step for".

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

In this specification, some of the operations or functions described as being performed by the terminal, device, or device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed by a terminal, device, 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 unique number of the terminal or the identification information of the individual, which is the identification information 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 diagram illustrating a system for providing a real estate transaction risk analysis service according to an embodiment of the present invention. Referring to FIG. 1, the real estate transaction risk analysis service providing system 1 may include at least one user terminal 100, an analysis service providing server 300, and at least one information providing server 400. However, since the real estate transaction risk analysis service providing system 1 of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.

In this case, each component of FIG. 1 is generally connected through a network 200. For example, as shown in FIG. 1, at least one user terminal 100 may be connected to the analysis service providing server 300 through the network 200. In addition, the analysis service providing server 300 may be connected to at least one user terminal 100 and at least one information providing server 400 through the network 200. In addition, at least one information providing server 400 may be connected to the analysis service providing server 300 through a network 200.

Here, the network refers to a connection structure in which information exchange is possible between respective nodes such as a plurality of terminals and servers, and examples of such networks include a local area network (LAN) and a wide area communication network (WAN: Wide Area Network), Internet (WWW: World Wide Web), wired/wireless data communication network, telephone network, wired/wireless television communication network, etc. Examples of wireless data networks include 3G, 4G, 5G, 3GPP (3rd Generation Partnership Project), 5GPP (5th Generation Partnership Project), LTE (Long Term Evolution), WIMAX (World Interoperability for Microwave Access), and 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) network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, etc. are included, but are not limited thereto.

In the following, the term “at least one” is defined as a term including the singular number and the plural number, and even if the term “at least one” does not exist, each component may exist in the singular or plural, and may mean the singular or plural. It will be self-evident. In addition, it will be possible to change according to the embodiment that each component is provided in a singular or plural.

At least one user terminal 100 may be a terminal of a buyer or tenant who wants to analyze the transaction risk of land or buildings before and after the contract by using a web page, app page, program or application related to the real estate transaction risk analysis service. have. In addition, the at least one user terminal 100 may be a terminal that inputs a transaction type, an address, etc. and receives a real estate transaction risk report from the analysis service providing server 300.

Here, the at least one user 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, a navigation system, a notebook equipped with a web browser, a desktop, a laptop, and the like. In this case, the at least one user terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one user terminal 100, for example, as a wireless communication device that is guaranteed 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) ) It may include all kinds of handheld-based wireless communication devices such as terminals, smart phones, smart pads, and tablet PCs.

The analysis service providing server 300 may be a server that provides a real estate transaction risk analysis service web page, an app page, a program, or an application. And, the analysis service providing server 300, when receiving a transaction risk analysis request from the user terminal 100, collects information from at least one information providing server 400, analyzes the transaction risk according to a preset algorithm, and then It may be a server that transmits the result to the user terminal 100.

Here, the analysis service providing server 300 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, a navigation system, a notebook equipped with a web browser, a desktop, a laptop, and the like.

The at least one information providing server 400 is an information providing server 400 that provides information to the analysis service providing server 300 with or without using a real estate transaction risk analysis service related web page, app page, program or application It may be a terminal of.

Here, the at least one information providing server 400 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, a navigation system, a notebook equipped with a web browser, a desktop, a laptop, and the like. In this case, the at least one information providing server 400 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one information providing server 400, for example, as a wireless communication device that is guaranteed 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) terminal, smart phone (Smartphone), smart pad (Smartpad), tablet PC (Tablet PC), such as all kinds of handheld (Handheld) based wireless communication devices may be included.

FIG. 2 is a block diagram illustrating an analysis service providing server included in the system of FIG. 1, and FIGS. 3 to 9 illustrate an embodiment in which a real estate transaction risk analysis service according to an embodiment of the present invention is implemented. It is a drawing to do.

Referring to Figure 2, the analysis service providing server 300, price risk analysis unit 310, rights risk analysis unit 320, contract risk analysis unit 330, study risk analysis unit 340, registration change analysis It may include a unit 350 and a regulatory analysis unit 360.

Analysis service providing server 300 according to an embodiment of the present invention or another server (not shown) operated in conjunction with at least one user terminal 100 and at least one information providing server 400 to analyze real estate transaction risk When transmitting a service application, program, app page, web page, etc., at least one user terminal 100 and at least one information providing server 400 may include a real estate transaction risk analysis service application, program, app page, web page, etc. Light can be installed or opened. In addition, a service program may be driven in at least one user terminal 100 and at least one information providing server 400 by using a script executed in a web browser. Here, the web browser is a program that allows you to use the Web (WWW: World Wide Web) service, which means a program that receives and displays hypertext described in HTML (Hyper Text Mark-up Language). For example, Netscape , Explorer, Chrome, etc. In addition, the application refers to an application program on the terminal, and includes, for example, an app running on a mobile terminal (smartphone).

Referring to FIG. 2, first, the analysis service providing server 300 according to an embodiment of the present invention divides a checklist by before and after contract, item, risk level and classification as shown in FIGS. 3A to 3F, and each user terminal 100 You can build a checklist database to output the result for the input value of ).

The price risk analysis unit 310 may calculate whether an appropriate price is based on the sale price or rental price of real estate. First, as shown in FIGS. 4A and 4B, the data algorithm for whether the transaction amount is appropriate compared to the market price is: ① Reading the information input to the application of the user terminal 100 whether the transaction type is a sale or lease, and ② a target real estate property From the information, the address, complex name, and supply area are extracted from the user terminal 100, and ③ the trading amount or the deposit amount is extracted from the user terminal 100, and ④ the market price is, for example, real estate tech, KB, etc. You can crawl after matching actual transaction information in market prices or public data portals provided by. At this time, a) the real estate tech price is (Average trading (jeonse) upper limit average price + average lower limit price)/2, b) KB market price is a general average price of trading (jeonse), c) Actual transaction price is within the last 1 year, (Actual transaction price/ Real Estate Tech Price) and (Actual Transaction Price/KB Price) should be used only when they are within 0.95 to 1.05. And, if only A) exists, A) is used as it is, and only A) and B) exist, if (A+B)/2, A), B) and C) exist together, (A+B +c)/3. And, ⑤ The rent to cheonsei ratio can be crawled after matching the real estate statistics information system of the Korea Appraisal Board → National housing price trend survey → rent to cheonsei ratio → conversion rate to cheonsei by region. In addition, the target real estate property information address is matched in the relevant area (in the case of city, metropolitan city, and Seoul, divided into Gangbuk, Gangnam, downtown, northeast, northwest, and southeast), and the most recent month data is used.

Referring to FIG. 4C, the price risk analysis unit 310 performs all the steps executed in FIGS. 4A and 4B, but only the following configurations are different. That is, ⑤ cheonsegwon cheonsegwon's cheonsegwon's cheonsegwon's cheonsegwon's cheonsegwon's cheonsegwon's cheonsegwon's maximum amount of mortgage rights, and the maximum amount of mortgage rights is scraped at the Supreme Court Internet Registry. At this time, in the case where the input item information is a general building register, both land and building registration copies can be scraped (only one of the same details is extracted based on the date of receipt and the cause of registration, and all others are extracted). Here, you can show a graph of the total amount of the bond amount + lease deposit against the appropriate market price, or print out the phrase "It's safe because there is no possibility that the rental deposit will not be returned even in the case of a drop in the market price!" 'In contrast,'lease deposit + senior bond' should be less than 70% to be considered safe. Target real estate is judged to be safe when'lease bond + senior bond' is less than 70% (00%) compared to the'market price'. It is unlikely that the full rental deposit will be refunded in the event that it occurs." Alternatively, a solution capable of solving the diagnosed risk as shown in Table 1 below may be provided.

“① Please check if the contract is possible by entering the following special provisions or ② Apply for a deposit return guarantee insurance. If both are difficult, reconsider the transaction! (Special agreement considerations) ① The lessee must pay the balance before the payment date (at the same time as the balance payment). After releasing the root mortgage, mortgage, and jeonsegwon established on the registered copy, the released registration details are sent to the real estate agent in charge and the tenant. If this is not taken care of, this contract will be invalidated and the transaction price will be returned to the other party and the damages incurred. ② The lessor shall reduce the maximum amount of bonds to 00 won for the root mortgage, mortgage, and jeonsegwon established on the registered copy before the balance payment date (at the same time as the balance payment), and then send the registration details to the realtor and the tenant in charge. If the matters are not taken care of, this contract will be invalidated, the transaction price will be returned to the other party, and all damages will be compensated." In general, less than 70% of'lease deposit + senior bond' is considered safe compared to'market price'. For the target real estate, if the'lease deposit + senior bond' exceeds 70% with 00% compared to the'market price', there is a possibility that the entire rental deposit will not be refunded in the event of a future market price drop or auction.

Returning to FIG. 2, the rights risk analysis unit 320 checks whether the rights risk is based on whether or not the restricted real right is set by scraping at least one of the building ledger, the land ledger, the building register certified copy, and the land register certified copy. I can. At this time, the rights analysis unit 320 checks a total of five, which will be described below. First, it is checked whether there are restrictions on ownership as shown in FIG. 5A. First of all, ① is inputted from the user terminal 100 whether the type of product is pure land, residential, commercial, or other buildings, ② is inputted from the user terminal 100 whether the transaction type is trading or lease, and ③ the target real estate Receives property information from address, complex name, name, name, etc., ④ crawls public data based on the property information entered in the building ledger, ⑤ seizure, foreclosure, provisional disposition, provisional registration, and auction application restrictions Extract details, etc. At this time, if the entered property information is a general building register, both land and building registration copies are scraped (only one of the same details is extracted based on the date of receipt and the cause of registration, and all others are extracted), and the entered property information If the details are the collective building ledger, a registered copy of the collective building can be scraped, and if the input information on the property is pure land, the status of the registration application can be scraped. As shown in Fig. 5B, it is possible to check whether the planned real estate is suspected. In order to do so, the right risk analysis unit 320 ① proceeds only when the product type is pure land. The rights risk analysis unit 320, if the transaction type is a sale and the product type is pure land, after scraping the land register certified data, the registration purpose of the land register certified copy is transfer of ownership, and the cause of registration is the sale and the right holder The case of the sharer is extracted, and if the extracted details are more than a preset first number or more than a second preset number within the last one year from the date of receipt, it is determined as a planned real estate and an alarm may be displayed. Here, the first number means ten, and the second number is three, but the number is not limited thereto.

That is, ② grasp the transaction type, ③ grasp the target real estate property information, ④ crawl the building ledger, and ⑤ extract the registered copy and Gapgu ownership sharer information to derive the result based on the number of sharers and the frequency of registration. have. If it is determined that it is a planned real estate, ask, "Inquire at various brokerage offices near the target real estate whether the seller (real estate) is a planned real estate, and if there is an actual development plan and promotion situation, etc. The competent local government also lifts restrictions under development plans and public law. You can inquire about whether or not, and ask if intellectual division is possible so that you can exercise your property rights independently rather than in a form of sharing, and then decide whether to trade." To help users understand, "There are too many ownership sharers in one property, or the sudden increase of ownership sharers in a short period of time is not common except for inheritance and gift. In this case, a specific property will soon develop and leave a large market margin. There are many cases of planning real estate that is exaggerated to say that it is possible. Inadequate investment in planned real estate may result in property damage, and excessive sharers may negatively affect the value of the real estate.” have. And, it is also possible to provide checklists for self-diagnosis of risk as shown in Table 2 below.

Representative characteristics of planning real estate: ① In many cases, it is forested. ② After purchasing in the form of a shared stake, it will be divided and registered separately in the future. ③ There are many sharers, or it has increased rapidly in recent years. ④ In recent years, it has been divided from large land into a number of small lands. ⑤ Restrictions such as development restriction zones (green belts) are lifted, or there is a development plan such as relocation of military bases and road opening."

As shown in FIG. 5C, whether the registered copy is not searched may be a case in which the search result does not exist, and whether there is no ownership or land right as shown in FIG. 5D can be derived by comparing information on the title of the title part of the registered copy. In addition, as shown in Fig. 5e, the information can be provided by identifying whether the owner of the land and the building are different, and as shown in Fig. 5f, the information can be provided by comparing the viewing details of the information on the confirmation date (the deleted number is the above-described step. It is assumed that it is the same as). The contract risk analysis unit 330 may analyze the risk of the contract when a sales contract or a lease contract is input from the user terminal 100. To this end, the contract risk analysis unit 330 compares the owner information and the location information between the owner information and location information in the input sales contract or lease contract, and the building registration copy or land registration copy, and extracts inconsistent information. Thus, analysis results can be provided together with the previously registered solution. The contract risk analysis unit 330 extracts the location information, business name, and registration number of the brokerage business included in the sales contract or lease contract, accesses the national spatial portal and inputs the input location number, and then uses the name or registration number. By performing matching, it is possible to output whether or not an unauthorized brokerage business has been matched, and check whether the deposit account included in the sale or lease contract is the account in the owner's name and whether or not the ID card is forged.

Referring to FIG. 6A, it is checked whether the owner of the contract and the registration unit and the location are identical. If the input product information details are the general building register, both land and building registration copies are scraped, and the input product information details are the collective building register. In the case of collective building registration, scraping is carried out, and in the case of the input pure land, the process of scraping the registered land registration is the same as the above. After going through the same process, the owner and the location are checked, and if they do not match, "receive an ID card and seal certificate from the other party to check whether it is the same as the registered owner and check the authenticity through the ID card authenticity check service. If the transaction is reconsidered, in the case of the agent, the proxy must be signed (the owner's signature and seal stamp), and the authenticity of the seal certificate and the issuance date (within 3 months), and whether the seal is consistent with the seal certificate If you do not make a contract with the owner listed on the registered copy, the contract will be invalid, and ownership may not be recognized in the case of sale, and in the case of lease, the rental deposit May not be protected."

Figure 6b is a step to confirm whether the brokerage business is not an unauthorized brokerage. First, ① receives and compares the location information, business name, and registration number, which are the contract brokerage information, and outputs them based on the ones that do not match. 6C is a process of checking whether the transaction amount deposit account is in the name of the owner. ① Information on the owner (seller) and deposit account information of the contract can be checked, which is the name and resident number of the owner (seller), the name of the deposit bank, and the account. The number is entered and verified. ② You can use the method of scraping the information of the relevant account holder with the resident number and account number using the KFTC's open API.

6D shows a method of checking whether or not the ID card has been forged. ① Resident registration card and driver's license (name, date of birth, issuance date), seal certificate (issuing agency (si/gun/gu), issuance date, Resident registration number, issuance number), and ② government 24 to verify the authenticity of the resident registration card with the name, date of birth, and date of issue. And, ③ When confirming the issuance of the government 24 seal certificate, the issuing agency (Si/gun/gu), issuance date, resident registration number, and issuance number are extracted and compared, and ④ National Police Agency driver's license authenticity check is a method of comparing the name, date of birth, and date of issuance. Can be made.

The study risk analysis unit 340, whether at least one of the building register, land register, building registration book, and land register copy is not searched or is listed as a violating building on the building register, and the area and building in the building register or land register. It is possible to analyze and print whether there is a difference in area on the registered copy or the land register copy. Referring to Fig. 7a, it is a process of checking whether the ledger (land/forest/building) is not searched. ① The product type of pure land, residential, commercial, and other buildings are checked, and ② the target real estate property information, address, and complex name , The same name, the name of the house is checked, and ③ public data is extracted and compared based on the object information entered in the building register.

Referring to FIG. 7B, it is a method of checking whether the transaction target real estate is a violating building, but the same as the above step, but confirms and outputs whether or not it is listed as a violating building in the building register. And, referring to Figs. 7c and 7d, it is checked whether there is a difference in the area of the register (land/forest/building) and the registered copy. Steps ① to ③ are the same, and ④ the registered copy (input information As a basis, check the scrapping of registered copies at the Supreme Court Internet Registry), and scraping both land and building registration copies if the entered property information is a general building register (only one of the same details is extracted based on the date of receipt and the cause of registration). All other things should be extracted), and if the input product information is the collective building ledger, the collective building registration copy is scraped, and in the case of the input pure land, the land registration certified copy is scraped to go through the processes of FIGS. 7C and 7D. .

As shown in FIG. 8, the registration change analysis unit 350 monitors the registration changes after the sale or lease contract, when a sale or lease contract is made in the user terminal 100, and when registration changes exist, the user terminal. Can be transmitted to (100). First of all, ① classify pure land, residential, commercial, and other buildings, which are the types of goods, ② confirm the object information of the target real estate by address, complex name, name, and household name, and ③ select the building ledger from public data based on the entered object information. Extract, and ④ check the status of processing of the registration application case (scraping at the Supreme Court Internet Registration Office based on the input information). At this time, if the entered object information is a general building register, both the land and the building registration application status are scraped (only one of the same details is extracted based on the date of receipt and the cause of registration, and all others are extracted), and the entered object If the details of the information are in the collective building register, the registration copy of the collective building can be scraped, and if the details of the information of the entered property are pure land, the status of the land registration application can be scraped.

If a chonsegwon contract is made between the chonsegwon and the owner after the registration of the senior root mortgage, and another senior mortgage right is established before the date of notification of the transfer of the chonsegwon and the finalization date, the chonsegwon who is pushed down to the lower rank is not guaranteed the return of the cheonsei money. Accordingly, the registration change analysis unit 350 may use a bot that moves to the Supreme Court Internet Registry, inputs information such as an address and lot number, and identifies the result. In this case, in the case of simple search, the bot can identify the right relationship according to the following procedure. Of course, in addition to the following methods, methods such as search by location lot number, search by unique number, and map search may be possible.

In addition, the applicant's resident registration number can use the resident registration number or business registration number of the representative of the platform of the present invention, and payment information is automatically received from the user terminal 100 or by using the card information and financial institution account number stored in advance. You can have the bot input it. Here, the bot may be a web macro bot, but is not limited thereto. Macro programs are software that automatically program and process simple/repetitive tasks. Simple tasks using a computer by automatically and repetitively entering tasks such as keyboard and mouse input values and input sequence, which are normally performed manually. It is used to increase the efficiency of Automating simple/repetitive tasks using macro programs is necessary for efficient business processing, and macro programs can be configured in such a way as to automate allowed commands.

The regulation analysis unit 360 may extract and output at least one regulation list including public or private restrictions on which land cannot be used. Through the above-described configuration, the user terminal 100 may receive input of the type of real estate object to be analyzed, the address of the real estate to be analyzed rights, the transaction type and the amount of lease according to the transaction type, and output a real estate transaction risk report. .

Hereinafter, an operation process according to the configuration of the analysis service providing server of FIG. 2 will be described in detail with reference to FIG. 9 as an example. However, it will be apparent that the embodiment is only any one of various embodiments of the present invention, and is not limited thereto.

Referring to FIG. 9A, three menus, such as real estate transaction risk analysis, contract risk analysis, and rights monitoring, can be provided, and when each information is input as described above, the analysis result as shown in FIG. As shown in Fig. 9c, a price analysis result, a rights analysis result as in Fig. 9d, a status analysis result as in Fig. 9e, a public ledger check result as in Fig. 9f, a regulatory analysis result as in Fig. 9g, and Contract analysis results can be provided. In addition, it is possible to prevent a bona fide buyer or tenant from becoming a victim of illegal acts by providing a monitoring result as shown in FIG. 9I for the relationship of changes in rights that occur after the contract and before registration.

The matters that are not described about the method of providing the real estate transaction risk analysis service of FIGS. 2 to 9 are the same as those described in the method of providing the real estate transaction risk analysis service through FIG. 1 or can be easily inferred from the description. Therefore, the description below will be omitted.

10 is a flowchart illustrating a method of providing a real estate transaction risk analysis service according to an embodiment of the present invention. Referring to FIG. 10, the analysis service providing server calculates whether or not an appropriate price is based on the sale price or rental price of real estate (S1100), and scraps at least one of a building ledger, a land ledger, a building registration copy, and a land registration copy. Check whether there is a right risk based on whether or not a restricted real right is set by scraping (S1200)

The matters that are not described with respect to the method of providing the real estate transaction risk analysis service of FIG. 10 are the same as those described for the method of providing the real estate transaction risk analysis service through FIGS. 1 to 9 or can be easily inferred from the description. Therefore, the description below will be omitted.

The method for providing a real estate transaction risk analysis service according to the exemplary embodiment described with reference to FIG. 10 may be implemented in the form of a recording medium including instructions executable by a computer such as an application executed by a computer or a program module. . 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. Further, the computer-readable medium 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 above-described method for providing a real estate transaction risk analysis service according to an embodiment of the present invention may be executed by an application basically installed on a terminal (this may include a program included in a platform or operating system basically mounted on the terminal). In addition, it may be executed by an application (ie, a program) directly installed on the master terminal by a user through an application providing server such as an application store server, an application, or a web server related to the service. In this sense, the method for providing a real estate transaction risk analysis service according to an embodiment of the present invention described above is implemented as an application (i.e., a program) installed basically on a terminal or directly installed by a user, and can be read by a computer such as a terminal. It can be recorded on an existing recording medium.

The above description of the present invention is for illustrative purposes only, and those of ordinary skill in the art to which the present invention pertains will be able to 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 limiting. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as being distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims to be described later rather than the detailed description, and all changes or modified forms 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)

A user terminal 100 for receiving a real estate object type to be analyzed, an address of the real estate to be analyzed rights, a transaction amount or a lease amount according to the transaction type and transaction type, and outputting a real estate transaction risk report; And
Restricted property rights by scraping at least one of a price risk analysis unit 310 that calculates whether or not an appropriate price is based on the sale price or rental price of the real estate, a building ledger, a land ledger, a building register certified copy, and a land register certified copy Including; an analysis service providing server 300 including a right risk analysis unit 320 for checking whether the right risk is set based on whether or not,
The user terminal 100 receives and outputs the real estate transaction risk report from the analysis service providing server 300,
Build a database by dividing the checklist by item, risk level, and classification before and after contract, and output the result of the input value of the user terminal 100,
When a sales contract or lease contract is input from the user terminal 100, the analysis service providing server 300 includes owner information and location information on the input sales contract or lease contract, and a certified copy of building registration or land registration. A contract risk analysis unit 330 that compares owner information and location information and extracts inconsistent information and provides an analysis result together with a previously registered solution; further includes,
The contract risk analysis unit 330 extracts the location information, business name, and registration number of the brokerage business included in the sales contract or lease contract, accesses the national space portal and inputs the input location number, and then the name or registration Real estate transaction, characterized in that by performing matching by number, outputting whether or not an unauthorized brokerage business has been matched, and checking and printing whether the deposit account included in the sale or lease contract is the account in the owner's name and whether the ID card is forged Risk analysis service provision system.
The method of claim 1,
The rights risk analysis unit 320,
When the transaction type is a sale and the product type is pure land, after scraping the land register certified data, extract the case where the registration purpose of the land register certified copy is transfer of ownership, and the cause of registration is the sale and the right holder And, if the extracted details are more than a preset first number or more than a second preset number within the last one year from the date of receipt, it is determined as a planned real estate and an alarm is displayed.
delete delete The method of claim 1,
The analysis service providing server 300,
Whether at least one of the building register, land register, building register, and land register is not searched or is listed as a violating building on the building register, the area on the building register or land register, and the building register or land register certified copy Study risk analysis unit 340 for analyzing and outputting whether there is a difference in area;
Real estate transaction risk analysis service providing system, characterized in that it further comprises.
The method of claim 1,
The analysis service providing server 300,
A registration change analysis unit that monitors registration changes after a sale or lease contract when a sale or lease contract is made in the user terminal 100 and transmits the registration change to the user terminal 100 when the registration change exists. (350);
Real estate transaction risk analysis service providing system, characterized in that it further comprises.
The method of claim 1,
The analysis service providing server 300,
A regulation analysis unit 360 for extracting and outputting at least one regulation list including public or private restrictions on which land cannot be used;
Real estate transaction risk analysis service providing system, characterized in that it further comprises.

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