KR20020021564A - Real Estate System Using Escrow Service of Bank on Internet - Google Patents

Abstract

PURPOSE: An real estate mediation system is provided with that only authorized realtors can make a mediation between seller who can make a contract with the realtors and buyer who uses email and deposits amount trade price that is transferred to the seller with the authorized realtor's permission. CONSTITUTION: Real estate-related information is displayed such as registration, search and request when a user connects a web server(20) using Internet(10). When the user chooses member registration and inputs user information, the user information is stored in database in case of an authorized realtor(30). When a sale registration is selected, it is stored in sale database(20b). If search menu is chosen, condition input is requested. When the user input all the conditions, real estates for sale are searched and printed and the user can select a specific real estate. If a buyer(50) requests mediation, location of realtoris displayed. When the mediation contract is concluded, the buyer deposits the amount trade price into a secure bank account. When the bank system(60) and the authorized realtor get the confirmation of deposit of the buyer, escrow service is carried out that web server requests the bank system to transfer the amount trade price to the seller(40). After this processes, proprietorship transfer process can be done.

Description

Real Estate System Using Escrow Service of Bank on Internet}

The present invention relates to a real estate brokerage system using the Internet to enable the sale and sale of real estate information on the Internet, and more specifically, real estate brokerage brokers on the Internet to further increase the credibility of the real estate brokerage and transactions Payments are related to real estate brokerage systems using the Internet and bank safe accounts that can be paid out through the bank's safe account.

According to the asset allocation structure of the average person, about 70% of all property is held in the form of real estate, but in reality, real estate transactions are performed by direct transactions between the parties as shown in FIG. 1A or by intermediaries of non-professional brokers as shown in FIG. 1B. While accounting for about 75%, mediation by authorized brokers is relatively low, and such brokerages are often isolated and distributed by individual brokerage agencies. As a result, legal disputes frequently occur due to lack of expertise.

In general, real estate is expensive and complicated in relation to rights and legal interests. Therefore, it is important to guarantee the stability of transactions and to be liable for damages caused by defects in rights relations.

Recently, with the rapid development of the telecommunications industry, the provision of various information through computer communication and the e-commerce between companies and companies or between companies and individuals are also growing at a high speed. Direct transactions between the parties are expected to become active.

Figure 1c is a view for explaining a real estate brokerage system using a conventional Internet site. In such a system, the real estate site merely serves to provide simple information such as property information. This is because online direct transactions, which are conducted in the absence of the safety of transactions, are more likely to cause injuries. Rather than being used as a means, it is being used as a means of advertising orders or chain networks.

However, customers need high-quality intermediary services. In particular, as the demand for financial services using real estate grows, there is a need for linkage with the financial system because they want to obtain loan services when purchasing real estate.

In addition, since most of the real estate sales contracts are made by receiving payment directly from the broker's office, the transaction is made at a high rate of inconvenience and loss of the parties due to the transfer of money, and at least three times such as down payment, middle payment and balance to ensure the transaction. Since the above payments were made, the seller, the buyer, and the broker had to go through the complicated process of meeting and meeting the time, and it was inconvenient to issue a receipt for the certainty of the money transfer.

The present invention has been invented in view of the above circumstances, in order to solve the problems of irresponsibility of online information, inadequate rights analysis function, and uncertainty of price transaction, which are pointed out as limitations in online real estate transactions through the Internet, Only a registered realtor can build a site that can handle brokerage, and the seller who is the owner of the real estate can enter into an exclusive brokerage agreement with a realtor who is a member for sale, and the realtor can post the information on the site. The buyer who wishes to purchase the above item through internet search meets the seller and the bank through the authorized agent through the authorized agent and concludes the transaction, while the buyer uses the security account installed in the bank. The transaction amount is deposited and the financial system has the permission of the authorized broker. When the transaction is transferred from the safety account to the seller's account, the transaction process is simplified and one-stop, as the infrastructure of the Internet and the bank's branch network is used as the infrastructure. The invention is intended to provide a real estate brokerage system using the Internet and bank security account that can be provided with a high quality brokerage service to enhance the convenience and reliability of customers in the real estate transaction and to ensure that the seller and the buyer are thoroughly protected from the transaction. There is a purpose.

1a to 1c is a schematic diagram of a conventional real estate transaction system,

2 is a network diagram according to the present invention;

3a to 3d is a view showing the property registration information and the output screen during the property search according to the present invention,

4 is a flowchart illustrating the operation of the present invention.

* Description of the symbols for the main parts of the drawings *

10-internet network, 20-web server,

20a-Member database, 20b-Property database,

30-Realtor, 40-Seller,

50-buyer, 60-financial system.

According to the present invention for realizing the above object, when an Internet user accesses a web server, a member registration menu, a listing information registration menu, a registered search menu, and a brokerage request menu for registering a registered broker as a member are displayed on an initial screen. Making a step; When the user accessing the web server enters personal information including ID and password using the member registration menu and applies for new member registration, the user confirms whether he is a licensed broker in advance and registers as a member and stores it in the member database. ; If the seller wishes to sell the property, he / she enters into an exclusive brokerage agreement with the member's authorized agent and the member's authorized agent applies for registration of the property information. After checking the ID and password, he / she compares the information with the information registered in the member database. Confirming whether or not the member is granted; Storing the property information received in the property database when the application for registration of property information is made through the Internet based on the member; Requesting a request for a relay request after accessing the web server to retrieve the registered property information, the purchaser receives the local information and displays the contact information of the registered member located in the corresponding area to proceed with the brokering procedure; The member authorized broker notifies the financial system to carry out the escrow service when the contract of sale is concluded between the seller and the buyer and allows the buyer to deposit the purchase price into the bank's safety account. Receiving through the web server to transmit the deposit information in the; When the member in charge checks the payment through the web server, the financial system is notified and the purchase price is transferred from the safety account to the seller's account.

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

2 is a network configuration diagram of a system according to the present invention.

The web server 20 is connected to the Internet network 10 to store the homepage and to display the stored information according to the request of the browser, the web server 20 is a member database (20a) and for sale database (20b) Equipped with.

In the member database 20a, if the authorized broker 30, who will be in charge of real estate brokerage through the Internet network 10, applies for membership, necessary information of the member certified broker 30 accepted as a member in consideration of holding status and local arrangement The member information stores personal information including a member registration date, ID, password, name, business address, and phone number. The ID and password allow only members to log in and register the property when they log in to the property information registration system, so that only the property information for which the exclusive brokerage agreement is concluded with the member can be registered. This is to use the search for the right agent considering the region of the applicant.

Here, the exclusive brokerage contract refers to a contract that allows a broker to select a specific brokerage agent to broker a brokerage agent in order to request the brokerage of a brokerage object. It is effective in preventing enemy trade and facilitating trade.

As shown in FIG. 3A, the property database 20b includes information relating to the location of the real estate, information on the type of goods, information related to the display of the real estate, building related information, a desired transaction amount, as well as transaction classifications indicating sale, lease and exchange. Together, images of the main parts of the building are stored so that the status of the building can be checked directly on the Internet.

The seller 40 and the buyer 50 use the respective user terminals to access the web server 20 through the Internet network 10 and then register or search for necessary information to request an intermediary.

On the other hand, the financial system 60 represents each branch of a financial institution in which a safety account is set up in consultation with the site, and the security account of the financial institution is paid between the buyer 50, the seller 40, and the authorized broker 30. It is to provide escrow service to increase the convenience of payment and to prevent transaction accidents among trading partners. In general, escrow services are trade protections that protect the seller and the buyer from the transaction by storing a deposit and documents related to the sale as a neutral third party as the seller and the buyer's representatives until the contract is terminated. will be. To this end, after the purchase of a real estate contract, the buyer (50) deposits the transaction amount into a safety account installed at a financial institution, and the financial system 60 transmits the deposit completion information to a web server, and the authorized broker (30) handles this. After confirming the transfer permission notification to the financial system 60, the financial system 60 is made to automatically transfer the trading price deposited in the safety account to the seller 40's account. The seller 40's account is opened at the conclusion of the sale contract and is automatically opened so that the account can be automatically debited at the end of the contract.

4 is a flowchart illustrating the operation of the present invention.

When the Internet user accesses the web server 20 through the Internet network 10, the initial screen displays real estate related information including a membership registration menu, a listing information registration menu, a search menu of a registered listing, and a brokerage request menu.

When the visitor selects membership, the information input window is displayed so that the user can enter information including ID, password, name, business address, and phone number required for membership registration. After confirming whether the authorized broker (30) is confirmed, only the authorized broker (30) is accepted and stored in the member database.

When the visitor clicks the property registration button and selects the property to register, the user's ID and password input window is displayed.If the ID and password are registered by the visitor, the registered information is compared with the data stored in the member database. Indented and stored in the database. This information is stored in the database, the seller induces the exclusive brokerage agreement with the member real estate agent 30 when the seller 40 wishes to sell the real estate, and also provides the buyer with only the information on which the exclusive brokerage agreement is concluded. This is to increase the reliability of the.

When the visitor clicks the item search button and selects the item search, the visitor selects the condition of the desired item as shown in FIG. 3B to facilitate the property search. When the search command is entered, the property database 20b Search for the item and output a list of items corresponding to the search condition as shown in FIG. 3C. If a specific item is selected again from among the items, detailed information about the item is output as shown in FIG. 3D to determine whether to buy or not. In particular, the detailed information of the sale, including the basic information necessary for the sale of the sale, and the main picture related to the inside and outside appearance of the sale, so that the buyer can check and determine almost all information on the Internet without going to the site.

When the purchaser 50 connects to the web server 20 through the Internet network 10, retrieves the registration information, and clicks the brokerage request button to request the brokerage for the selected item, the purchaser's 50 is the broker's location. Output the input window, and when the broker location information is input by the purchaser 50, the regional information is analyzed to display the contact information of registered members located in the relevant area to proceed with the brokerage process.

The member real estate agent 30 designated as above resides in the bank and, at the bank window, intermediaries related to the sale of real estate between the seller and the buyer and notifies the financial system 60 to perform the escrow service when the contract of sale is concluded. Have the buyer deposit the money into the bank's safety account.

When the buyer confirms that the purchase price has been deposited into the safe account, the financial system 60 transmits the deposit information to the web server 10 by using a transmission means such as an e-mail. When the payment is confirmed through the server 10, an escrow service step of approving the financial system 60 to transfer the selling price to the account of the seller 40 is performed.

The deposit and withdrawal control of the security account through the escrow service outputs the deposit and withdrawal button which is linked to the bank safety account on the initial screen of the netizen connected to the system, and enters the ID and password when the withdrawal and withdrawal button is clicked. After judging whether or not it is an authorized broker, it is linked to the bank safety account when it is confirmed as the authorized broker, so that the deposit and withdrawal of the safety account can be controlled.

On the other hand, once all the documents related to the sale of real estate have been received and the transaction price has been deposited to the seller, the real estate ownership transfer procedure can be implemented in connection with the legal system.

As described above, the present invention registers an object in which an exclusive brokerage contract is concluded with an authorized broker, and if the buyer wishes to search the Internet to select an object to be traded, the authorized broker, the seller and the buyer proceed with the brokerage process through the bank window and the transaction price It is possible to improve the convenience and reliability of the parties by one-stop real estate transactions by depositing them in the bank's safety account and secure the safety of transactions through escrow service.

Claims (3)

When an Internet user accesses a web server, displaying a member registration menu, a property information registration menu, a registered search menu, and a brokerage request menu for registering a registered broker as a member on the initial screen; When the user accessing the web server enters personal information including ID and password using the member registration menu and applies for new member registration, the user confirms whether he is a licensed broker in advance and registers as a member and stores it in the member database. , If the seller wishes to sell the property, he / she enters into an exclusive brokerage agreement with the member's authorized agent and the member's authorized agent applies for registration of the property information. After checking the ID and password, he / she compares the information with the information registered in the member database. Checking whether you are an authorized member, If the application for registration of property information is made through the Internet based on the member, storing the received information on the property database, When the purchaser requests a relay request after accessing the web server to retrieve the registered property information, receiving the local information and displaying the contact information of the registered member located in the relevant area so that the brokerage process can be carried out. The member authorized broker notifies the financial system to carry out the escrow service when the contract of sale is concluded between the seller and the buyer and allows the buyer to deposit the purchase price into the bank's safety account. Receiving through the web server to send the deposit information in, Real-time brokerage system using the Internet and bank safety account, which consists of transferring the payment from the safe account to the seller's account by notifying the financial system when the member in charge checks the deposit through the web server. The Internet and bank security account of claim 1, wherein the escrow service is configured to control the deposit and withdrawal of a security account by accessing a bank safety account through the web server while the authorized broker in a bank window leads the real estate transaction process. Real estate brokerage system using. The method of claim 1 or 2, wherein the deposit and withdrawal control of the security account according to the escrow service is determined whether or not the click and withdrawal button on the initial screen is clicked. The real estate brokerage system using the Internet and the bank security account, characterized in that it is determined to be an authorized broker and linked to the bank safety account when it is confirmed as the authorized broker in charge to control the deposit and withdrawal of the security account.