KR20000072601A - Real property transaction system closely-connected to a banking agency system - Google Patents

Abstract

PURPOSE: A real estate transaction system is provided to get optimally combined with a financial institution system via a network in order to enhance a reliability and an easiness in transacting real estate. CONSTITUTION: A real estate transaction system comprises a financial authority system(20), a transaction system(16), and a network server(12). The financial authority system(20), connected to a network, treats a financial service program in relation with a real estate transaction. The transaction system(16) occupies an area over a cyber space controlled by the financial authority system(20), processes a transaction between a real estate owner and a real estate demander, and offers the financial service program to the real estate owner and demander. The network server(12) manages the transaction system(16), and connects to cooperated support systems for providing information on a real estate transaction, legal/tax consulting or assessment.

Description

REAL PROPERTY TRANSACTION SYSTEM CLOSELY-CONNECTED TO A BANKING AGENCY SYSTEM}

The present invention relates to a real estate transaction system that is organically linked with a financial institution system. In particular, the financial institution system and the real estate transaction system are organically combined and optimized based on a predetermined network to provide reliability, stability, convenience, and economics of real estate transactions. It's all about a system that has been greatly improved.

In general, offline real estate transactions are carried out through living information magazines or authorized brokers. However, this method is subject to spatial limitations in information distribution and transactions, it is not easy to secure the reliability and stability of the price of real estate goods, and one-stop convenient legal and tax services related to the real estate transaction. There is a problem that it is difficult to provide. In particular, the higher the price of real estate goods, the greater the risk of real estate transactions to the relevant trading parties, so it is very important to secure reliability and stability in real estate transactions.

On the other hand, as information and communication technologies related to the Internet have been greatly developed, information distribution and related electronic commerce using the Internet are exploding, and the distribution and real estate information of the real estate is also converted to the method using the Internet.

However, most of the above-described real estate transactions based on the Internet have simply converted the offline real estate transactions to the homepage on the Internet. In other words, this type of transaction corresponds to the case where the ordinary Internet technology is simply applied to the real estate transaction method in off-line. Moreover, on the Internet today, many of the above-described simple brokers run by small brokers, and some of the trading sites are run by vicious brokers. On the other hand, in the current Internet world, there are no authorized institutions or related trading systems that accurately verify the reliability and stability of real estate transactions on related sites and provide them to general users. As a result, a significant number of buyers, sellers or investors who use these Internet brokerage sites are increasing, and related disputes are spreading. In addition, the above-mentioned Internet real estate brokerage sites are mostly operated by small businesses, so they cannot easily provide one-stop related services such as legal, tax and registered services to consumers.

An object of the present invention to solve all the above problems, in the network-based real estate transaction system, by combining the financial institution system and the real estate transaction system organically combined to optimize the reliability and stability of the real estate transaction and the convenience and service of the consumer It is to provide a real estate transaction system that has greatly improved the economics of all operators.

1 is a view schematically showing a real estate transaction system organically associated with a financial institution system according to the present invention;

Figure 2 is a detailed configuration diagram of the real estate transaction system of Figure 1, according to an embodiment of the present invention, and

3 is a flow chart for schematically explaining a real estate transaction method in the real estate transaction system shown in FIG. 1 and / or FIG.

<Description of the symbols for the main parts of the drawings>

10: Demander (Seller, Buyer, Investor) Terminal 12: Network Server System

12a: Network Server (Home Page) 12b: Data Warehousing System

12c: Customer Relationship Management System (e-CRM) 12d: Integrated Messaging System (UMS)

12e: Interface means 14: service alliance system

14a: Real Estate Information Providing System 14b: Legal Service Providing System

14c: Tax Service Provision System 14d: Insurance Service Provision System

14e: Appraisal Service System 14f: Credit Service System

14g: Other alliance service provision system 16: Real estate transaction system

18: Real Estate Transaction Association System 20: Financial Institution System

According to an aspect of the present invention, there is provided a real estate transaction system, comprising: at least one financial institution system that handles at least a predetermined financial product related to a real estate transaction and is linked to the network; The financial institution system occupies a certain area in the physical and / or cyber space under jurisdiction to handle real estate transactions between consumers connected through a network, and to provide the financial products related to the real estate transactions to relevant consumers. At least one real estate transaction system organically coupled to the financial institution system using interface means; And support and manage the real estate transaction system through a network, and include at least one of information providing services, legal services, tax services, appraisal services, and insurance services related to real estate transactions in the real estate transaction system. It includes network server systems that provide one-stop delivery to relevant consumers. Here, the insurance service described above preferably includes at least a service for handling the risks associated with the real estate transaction described above.

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

1 schematically shows a real estate transaction system organically associated with a financial institution system, in accordance with the present invention. The real estate transaction system shown in FIG. 1 includes a network server system 12 and a real estate transaction system 16 organically linked to the real estate financial product processing system 18 of the financial institution system 20.

The consumer terminal 10 is divided into a seller terminal 10a, a buyer terminal 10b, and an investor terminal 10c, and the network server system 12 and / or the real estate transaction system 16 and / or the network using the network. It is connected to the financial institution system 20 in which the real estate transaction system enters. Here, each terminal is used in substantially the same concept as the terminal. In addition, the consumer includes a seller or buyer of a real estate property or an investor in the relevant real estate. More specifically, the seller is a person or corporation who wants to sell real estate goods, and the buyer is a person or corporation who wants to buy real estate goods, and the real estate investor is ABS, asset mortgage-backed securities (MBS), REITs It is defined as a person or a corporation that has joined the real estate indirect investment product, which is a combination of real estate such as (real estate investment company system product) and finance. In addition, the above-mentioned network is defined as a generic term for all computer systems connected through wired / wireless communication networks including public communication networks (general telephones), mobile communication networks, high-speed information communication networks, intranets, extranets, and the Internet. In addition, the display method of information interfaced through this network includes integrated multimedia such as text / voice / still image / video image.

The network server system 12, which is operated by the head office in the business method, manages and supports the real estate transaction system 16 located in the financial institution system 20 through the network as a whole. Build and operate. In particular, the head office operating the network server system 12 selects a reliable authorized broker or a company operated by the authorized broker and strictly attracts or directly recruits the member to the real estate transaction system 16 entered into the financial institution system 20. By dispatching, the real estate transaction system is managed. At this time, the head office is also responsible for the business alliance with the relevant financial institution system.In the dual evaluation system of the head office and the financial institution manager, the head office and the relevant financial institution systematically evaluate the reliability and performance of the relevant brokerage agencies to periodically enter and exit the financial institution system. Decide on Through this, the reliability of the real estate transaction system and the stability of real estate transaction in the financial institution system are secured. In addition, the network server system 12 includes at least one of information providing services, legal services, tax services, insurance services, appraisal services, credit rating services, and registered services related to real estate transactions in the real estate transaction system 16. In order to provide a one-stop service to related users, a business alliance with the related service alliance system 14 is promoted, and a network connection system with the respective individual service alliance system 14 is established.

Meanwhile, the at least one type-specific financial institution system 20 directly / indirectly handles certain financial products related to real estate transactions and is linked to the network described above. In addition, the financial institution system 20 has the permission of the real estate transaction system 16 to enter the store and the approval authority of the authorized broker who will be in charge of the real estate transaction system 16. Here, the financial institution system 20 corresponds to a financial institution and can be broadly classified into an offline financial institution store system and an on-line cyber banking system. And a real estate financial product processing system 18 that handles / processes loaned / received and real estate financial products.

The at least one real estate transaction system 16 corresponding to the at least one financial institution system 20 described above closely occupies a certain area in the physical and / or cyber space that the aforementioned financial institution system 20 has jurisdiction over. Organically linked. In addition, the real estate transaction system 16, which deals with real estate transactions between the buyers connected through the network or the real estate transactions related to the operation of the above-mentioned real estate indirect investment products, and deals with the financial product services (prescribed in relation to the real estate transactions) Real estate financial products of the financial institution system 20 described above using predetermined interface means (e.g., interface means employed in a network server system) to provide loan services, authentication and settlement services, etc.) to relevant users. It is organically connected to the processing system 18. Therefore, when a real estate transaction is performed in the real estate transaction system 16, it is immediately implemented to be automatically connected to the real estate financial product processing system 18. At this time, when the real estate transaction system 16 occupies a certain area in the physical space of the financial institution system 20, the real estate transaction system 16 directly enters the offline financial institution 20 store system and authenticates and secures it. The system is implemented to be connected with the related financial product processing system 18 which is stably established. In a preferred embodiment, each real estate transaction system 16 described above, which is managed by an authorized broker, is entered into a system in a main branch of a predetermined financial institution (bank, etc.), and the real estate transaction system 16 is connected to a network server system. (12) and the homepage on the real estate financial product processing system 18 and the network server system 12 described above are interlocked with the network. On the other hand, when the real estate transaction system 16 occupies a certain area in the cyber space of the financial institution system 20, the real estate transaction system 16 enters the cyber banking system implemented with a three-dimensional image and the cyber banking system. It is desirable to implement to be connected to the real estate financial product processing system 18. For example, if the financial institution system 20 that handles at least real estate-related financial products is implemented as a three-dimensional cyber financial institution system 20 in cyberspace using a 3-D moving image realization technique or the like, the financial system The real estate transaction system 16 is located in an appropriate area on the cyber space managed by the institution system 20, and simultaneously interworks with the real estate financial product processing module of the cyber banking system in which the authentication and security system are stably established.

Next, the network server system 12 and the service alliance system 14 of the real estate transaction system according to the preferred embodiment of the present invention will be described in more detail with reference to FIG.

2, a network server system 12 according to a preferred embodiment includes a network server 12a, a data warehousing system 12b, a customer relationship management system 12c, and an integration including a homepage linked to a network. Messaging system 12d and interface means 12e.

The network server 12a collectively controls related systems and manages the homepage linked to the Internet. Here, the homepage basically functions to interconnect the consumer terminal 10, the various service alliance systems 14, the real estate transaction system 16, and the financial institution system 20; 18 with a network. For example, each real estate transaction system area which is located in each financial institution system in a sub-directory of the real estate transaction system area is allocated and interlocked with each area appropriately partitioned on the homepage. And the relevant branch network site of the financial institution system in which the real estate transaction system enters, so that the related financial product service of the real estate transaction processed in the individual floating transaction system can be processed immediately one-stop. In addition, the website provides various types of portal information services related to real estate transactions (real estate prices / transportation networks / regional status / special products / real estate news, etc.), differentiated information provision services based on user types / preferences, user service usage and transaction performance. It is preferable to implement to provide a mileage point earning service, real-time transaction-related three-dimensional map search service, a variety of historical information and still image / video information service services, real estate expert forum services, etc.

Under the control of the network server 12a, the data warehousing system 12b classifies / integrates various types of information related to the transaction of real estate goods in the real estate transaction system 16 by various types. For example, a database corresponding to various types of real estate information, basic personal information for each consumer, transaction information for each consumer, and service usage pattern information is continuously constructed and integratedly managed. The customer relationship management system (e-CRM) 12c analyzes market status, purchase pattern analysis for each customer, and management status based on various information managed in the data warehousing system 12b under the control of the network server 12a. It is in charge of analysis and handles customized data marketing and customer service management according to data mining by segmented target market and / or customer. Here, the customer relationship management system is in charge of data marketing and event services to maintain a continuous relationship not only with potential customers but also with existing customers (who have made transactions). The Unified Messaging System (UMS) 12d uses the interface means 12e to control data through at least one of E-MAIL, landline, WAP-based mobile communication, and fax for each customer under the control of the network server 12a. Inform relevant parties of marketing related information. The interface means 12e comprises at least one of CGI (COMMON GATEWAY INTERFACE), CTI (COMPUTER TELEPHONY INTEGRATION) and WTI (WEB TELEPHONY INTEGRATION), and under the control of the network server 12a, the consumer terminal 10 and the network server system (12) and various service alliance systems (14), real estate transaction system (16), and financial institution system (20, 18) are interconnected organically through a network. Here, CGI, CTI, and WTI are known to those skilled in the art, and thus detailed descriptions thereof will be omitted.

On the other hand, the aforementioned service alliance system 14 is a real estate information providing system 14a, legal service providing system 14b, tax service providing system 14c, insurance service providing system 14d, appraisal evaluation service providing system 14e. ), A credit rating service providing system 14f, a real estate transaction association system 14g, and other service alliance systems (e.g., a registrar service, etc.). Here, at least a part of each service alliance system may provide a corresponding service by occupying a certain area in the physical and / or cyber space of the financial institution system like the real estate transaction system.

Real estate information providing system (14a) is for providing professional real estate transaction information, basically provided to the consumer and the real estate transaction system 16 through the homepage managed by the network server (12a), the present invention is It is not limited to this. Therefore, real estate-related information can be updated on the homepage and / or database through various channels such as general consumer and real estate transaction system. The real estate transaction related information provided is a database of all types of information provided by a general real estate portal site, and in particular, by type of user (excellent member / general member / non-member; household; gender; preference; ) The purchase pattern is analyzed by the customer relationship management system 12c, and based on the information, the purchase pattern may be displayed in an area separated for each customer on the homepage or used for data marketing using the integrated messaging system 12d. Legal service providing system (14b) is related to services that clarify the legal relationship of the real estate goods being traded and act on behalf of the transfer and transfer of real estate goods being traded, and basically operated by an intelligent expert system or a lawyer The site is preferred. In a modified embodiment, the legal service providing system 14b may be serviced by entering a certain area on the physical and / or cyber space of the financial institution system 20. The tax service providing system 14c handles tax consultations and related tasks related to real estate transactions. Similarly to the legal service providing system 14b, an intelligent expert system or a site operated by a tax accountant is preferable. The insurance service providing system 14d basically includes insurance provided by the company (head office) operating the network server system 12 when a risk (real estate transaction accident) occurs in real estate transactions performed in the system according to the present invention. By compensating for a substantial amount of the buyer's losses, the second-tier guarantee of the reliability and stability of real estate transactions in the system is guaranteed. Appraisal evaluation service providing system (14e) is for evaluating the stability and the appropriate price, etc. of the real estate goods to be traded, and basically an intelligent system or a site operated by the appraiser is preferred. The rating service providing system (14f) is a service that enables the other party to easily grasp the credit status of interested parties such as buyers, sellers, and real estate brokers in connection with real estate transactions. . In addition, the real estate transaction association system (14g) is in charge of establishing and examining the qualifications of the authorized broker to be selected as a member company in connection with the head office and the financial institution that operates the network server system (12). Other alliance service systems may be related government agencies related to real estate transactions, such as the registry tax office.

In addition, it is preferable that each service alliance system 14 is screened / affiliated with an institution whose reliability is widely certified. Alternatively, each service system may be constructed under the direct control of the head office that operates the network server system 12. have. And, if the consumer wants to consult directly with each service alliance system 14, the network server system 12 is CTI (COMPUTER TELEPHONY INTEGRATION) and / or WTI (WEB TELEPHONY INTEGRATION), provided in the interface means 12e, WAP-based mobile communication terminals can be used to consult with experts in the relevant fields (certified brokers, lawyers, tax accountants, appraisers, actuaries, credit appraisers, etc.).

Next, the real estate transaction method in the real estate transaction system of the present invention shown in FIG. 1 and / or 2 will be briefly described with reference to FIG.

Referring to FIG. 3, first of all, the system shown in FIGS. 1 and / or 2 is constructed and initialized (step 310). Specifically, the head office which will be in charge of the network server system 12 establishes the detailed systems of the network server system 12 described above, the related database and the real estate transaction system 16 using information and communication (IT) technology. In addition, the above-mentioned linkage system will be organically established through financial alliances, certified brokers, lawyers, tax accountants, insurance companies, information service providers, appraisers, credit rating agencies, and real estate trading associations. In addition, the head office dispatches and manages the authorized brokers (reliably) to the real estate transaction system 16 that enters the affiliated financial institution system 20. The real estate transaction system (16), which is managed by the authorized brokers, establishes a business and linkage system with financial institutions under the general management / service support of the head office that operates the network server system (12). Interlock After all of the system construction steps are completed, if a consumer (buyer, seller, investor) accesses the system according to the present invention through a network and requests a transaction of real estate (step 320), the real estate transaction system 16 is a network server. The system 12 is requested to analyze the legal relationship of the property (step 330). Then, the network server system 12 interoperates with the affiliated legal service providing system 14b to clearly respond to the legal relationship of the property (step 340). Here, the steps 330 and 340 are described as limited to the lawyer service, but similarly to the lawyer service, it is possible to service related information in association with other service alliance systems 14. It will be apparent to those skilled in the art that are well understood. The real estate transaction system 16 provides relevant information to the consumer 10, and mediates the real estate transaction conclusion if the consumer desires (step 350). Subsequently, the real estate transaction system 16 requests the settlement of the transaction price to the real estate financial product processing system 16 of the financial institution system 20, and when the user transfers / pays the real estate transaction price, the financial institution system 20; 18, the payment / receipt of the real estate transaction price is processed (step 360). At this time, when the buyer wants a real estate transaction fund loan service, the financial institution system provides a real estate security loan or credit fund loan service through an appropriate qualification examination at the request of the real estate transaction fund loan service. Subsequently, under the intermediary of the real estate transaction system 16, a delivery / acquisition procedure of the real estate goods contracted between the seller and the buyer is executed (step 370). In this case, when the relevant consumer requests an agency service for taxation, registration, etc., the real estate transaction system 16 is similar to the case of steps 330 and 340 described above with the network server system 12 and the related service alliance system 14. Correlate and process the service one-stop. On the other hand, if a defect or an accident occurs in the real estate goods traded under the brokerage of the real estate transaction system 16, the head office operating the network server system 12 uses an insurance company that has previously subscribed to an insurance company to obtain a substantial amount of the accident price. Compensation processing (step 380).

On the other hand, in the system shown in Fig. 1 or 2, it is also possible to modify the embodiment of further linking the shopping mall system that can be additionally serviced according to the success of the real estate transaction to the homepage managed by the network server 12a. For example, it is also possible to connect a moving center placement service in accordance with a real estate transaction, a housing consulting service for reengineering a purchased real estate, an interior service, a house furniture related service, etc., with a related company's system. It will be apparent to those skilled in the art having a good understanding of the spirit and preferred embodiments thereof.

In addition, in the system according to the present invention, optionally, a tourism product agency service system (airplane, train, hotel / staying, package tourism, etc.) and other predetermined transaction agency services that are closely related to financial products while requiring very high reliability and stability. Also, another modified embodiment that further provides a service in close connection with the financial institution system 20 shown in FIG. 1 like the real estate transaction system 16 also falls within the technical scope of the present invention. It will be apparent to those skilled in the art that the preferred embodiment is well understood.

On the other hand, many modifications that are not mentioned within the technical scope of the present invention will be apparent to those skilled in the art having a good understanding of the technical spirit and preferred embodiments of the present invention, a detailed description thereof will be omitted. .

The present invention primarily occupies a network-based real estate transaction system in a certain area in the physical and / or cyber space of a reliable financial institution system to have an organic connection with the financial institution system, and dispatches a selected authorized broker to manage it. Providing reliability and stability, providing secondary stability by entering into an insurance company, and in partnership with various other service providing systems such as attorney's services / tax accountants' services, so that all transactions related to real estate transactions can be conveniently processed one-stop. It was. As a result, the real estate transaction system according to the present invention transparently stabilizes the disorderly real estate transaction market by providing reliability, stability, and convenience to consumers (sellers, buyers, investors), and has the effect of receiving cash and attracting credit to related financial institutions. to provide. As a result, the reliability and stability of real estate transactions are expected to increase the number of users, and large commercial success in the market is easy for those skilled in the art, even for network server system operators and allied authorized brokers who collectively provide such services. Is expected.

Claims (4)

In a network-based real estate transaction system, At least one financial institution system that handles at least certain financial products related to real estate transactions and is linked to a network; The financial institution system occupies a certain area in the physical and / or cyber space under the jurisdiction to handle real estate transactions between consumers connected through the network, and to provide the financial products related to the real estate transactions to relevant consumers. At least one real estate transaction system organically coupled to the financial institution system using interface means; And Supports and manages the real estate transaction system as a whole through a network, and related services including at least one of information providing services, legal services, insurance services, tax services, and appraisal services related to real estate transactions in the real estate transaction system. A real estate transaction system that is organically linked with financial institution systems, including network server systems that provide one-stop services to consumers. The method of claim 1, wherein the insurance service, And at least a service for compensating for the risks associated with the real estate transaction. According to claim 1, If the real estate transaction system occupies a certain area in the physical space of the financial institution system, the real estate transaction system is connected to the relevant financial product processing computer system by entering the offline financial institution system, When the real estate transaction system occupies a certain area in the cyber space of the financial institution system, the real estate transaction system enters an online cyber banking system and is connected with a related financial product processing computing system. Organically linked real estate transaction system. The method of claim 1, wherein the network server system, A network server controlling the overall system and managing a homepage linked to the Internet; A data warehousing system for classifying / integrating and managing various types of information related to real estate transactions in the real estate transaction system according to the control of the network server; Under the control of the network server, based on the various information managed in the data warehousing system, it is in charge of market status analysis, purchase pattern analysis by customer, and management status analysis, and based on this, customized data for target market and / or customer A customer relationship management (ERM) system that handles marketing and customer service management; At least one of CGI (COMMON GATEWAY INTERFACE), CTI (COMPUTER TELEPHONY INTEGRATION) and WTI (WEB TELEPHONY INTEGRATION), and the real estate information / legal / insurance / tax / appraisal service alliance systems under the control of the network server. And / or interface means for interfacing the real estate transaction system with a consumer terminal and / or a network server; And Under the control of the network server, a financial institution system comprising integrated messaging means for providing information related to data marketing and the like through at least one of an e-mail, a general telephone, a mobile telephone, and a fax for each customer using the interface means. Real estate transaction system organically linked with.