KR20090120530A - Method and system for distribution of voucher to be used as real estate agent fee - Google Patents

Abstract

PURPOSE: A methdo for circulating a gift certificatte used a s a real estate commision and a system thereof are provided to issue the real estate brokerage gift certificate smoothly purchase the real estate certificate. CONSTITUTION: A main server(11) performs an operation about a payment and a member store option discount. A consignment seller server(21) transmits the purchase on demand pertinent information of the buyer through the communication network to the main server. The referral seller server sells the real estate brokerage gift certificate from the real estate brokerage issuer of gift certificate. A recovery server retrieves the real estate brokerage gift certificate in which a buyer uses in the real estate transaction.

Description

Method and system for distribution of voucher to be used as real estate agent fee}

The present invention relates to a method and system for distributing a voucher used as a real estate brokerage fee for deriving an unrealized real estate brokerage fee bond.

Presently, gift certificates are used in various forms in various fields such as books, boating, shoes, department stores, and culture, and the market is increasing day by day. Gift certificates are also a ritualist state that is absolutely necessary in the real life of the people.The fact that the sale or lease of real estate is made every day in the nation through a real estate agent and the real estate transaction market is not special due to the demand of the real estate market. It can be noted that it is an endless market that is constantly going on without it.

The characteristics of brokerage business are largely divided into the physical resources corresponding to the brokerage object and the human resources providing the demand for sale or lease. The former physical resource is the light and short market, which is distributed to the autonomous intention market, and is the target of the brokerage business, but the latter human resources, which are mostly distributed by autonomous doctors in the brokerage business, are the main source of income for the intermediary market for sale or lease demand. Becomes Therefore, the real estate agent is most important to secure human resources.

In the conventional real estate brokerage market, as shown in FIG. 1, it is common for a seller (renter) and a buyer (tenant) to sell (lease) the real estate through the brokerage of a real estate brokerage agent or to view the property on a property sale information site and perform a real estate transaction. . When a real estate transaction is made in the real estate transaction process, the seller (renter) and the buyer (tenant) pay a predetermined brokerage fee in cash to the real estate agent.

Recently, real estate brokerage firms have become larger and more chained, and there is a limit to securing and continuously maintaining buyers (customers) for real estate transactions.

The present invention provides a real estate brokerage voucher distribution system that allows a buyer to smoothly purchase a real estate brokerage voucher by issuing a real estate brokerage voucher in a third-party issuance manner, while also preventing the loss of the buyer due to loss and forgery. The purpose of this is to issue a physical voucher instead of issuing a real gift voucher instead, so that the real estate broker can use the physical voucher as a real estate brokerage fee in real estate transactions.

In addition, the present invention is to limit the indiscriminate second discount market in advance to ensure the maximum benefit to the buyer by allowing the physical voucher to be freely distributed offline by receiving the real estate brokerage voucher real thing when the purpose of real estate purchase is changed or canceled The purpose is to make it possible.

In order to distribute the gift certificate used as the real estate brokerage fee according to the present invention for solving the above object, the buyer is connected to the main server through the customer terminal or the consignment seller server, the face value, quantity, personal information of the customer A first step of inputting matters and applying for purchase of a real estate brokerage gift certificate; A second step in which a customer who has applied for the purchase of the real estate brokerage voucher pays for the purchase of the real estate brokerage voucher by accessing a computer network of a financial institution through a main server; A third step of the main server issuing the real estate brokerage voucher to the buyer through the customer terminal or the consigned seller server when the cost for purchasing the real estate brokerage voucher is paid; And a recovery server that recovers the real estate brokerage gift certificate paid by the real estate brokerage fee when the buyer makes a real estate transaction, provides information on the real estate brokerage gift certificate to the main server, and then receives a brokerage commission by the futures option contract from the main server. And a fourth step.

The real estate brokerage gift certificate is a third-party issuance method issued by a market maker, and it is preferable that the bearer gift certificate is described in which an amount, a gift certificate unique number, a distribution period, etc. are applied, and forgery aid technology is applied.

The real estate brokering gift certificate in the first step may be a physical storage certificate that can replace the real estate brokering gift certificate, thereby preventing loss due to loss of the real estate brokering gift card.

The real estate brokerage gift certificate may be sold or issued by applying a customer discount rate according to a consignment sales contract between the consignment seller server and the real estate brokerage gift certificate issuer.

In addition, the system for distributing the gift certificate used as a real estate brokerage fee according to the present invention is a server operated by the issuer issuing the real estate brokerage voucher, issuance and distribution of real estate brokerage vouchers, customer discount rate, merchant option discount rate and settlement, settlement, etc. A main server responsible for the operation of the server; Store and recall the information on the personal information of the original buyer, the price of the real estate brokerage voucher, the unique number and certification number of the real estate brokerage voucher, the physical voucher number, the sales volume, the sales performance by seller, the collection performance by the merchant, and the settlement of fees A database for exchanging information at the request of the main server; When the purchaser requests the purchase, the information is transmitted to the main server through a communication network, and when the purchaser is authenticated through the settlement process of the main server, the real estate brokerage voucher is supplied and sold to the buyer Seller server; And the buyer's personal information, brokerage object, and real estate brokerage, located in a real estate brokerage merchant contracted with the issuer of the real estate brokerage voucher and the unrealized brokerage fee bond futures option. And a retrieval server for transmitting retrieval details such as a unique number of a gift certificate, a physical voucher number, a price, a fixed brokerage fee, an authentication number, and an affiliated store number to the main server.

The real estate brokerage gift certificate is a third-party issuance method issued by a market maker, and it is preferable that the bearer gift certificate is described in which an amount, a gift certificate unique number, a distribution period, etc. are applied, and forgery aid technology is applied.

The real estate brokerage voucher can be a physical storage that can replace the real estate brokerage voucher can prevent the loss of the buyer due to the loss of the real estate brokerage voucher.

The consignment seller server may apply or apply a discount rate applied by a consignment contract with the issuer of the real estate brokerage voucher to sell or issue the real estate brokerage voucher to the buyer and charge a proxy fee.

Therefore, according to the present invention, the present invention can participate in the real estate market with a new type of real estate sales method such as securing a fixed customer for real estate transactions to maintain human resources, thereby creating new economic value and reinforcing a competitive base. .

That is, according to the present invention, since the real estate brokerage agency can secure customers who purchase real estate brokerage vouchers as fixed customers, it can secure certain human resources for continuous real estate transactions, and the costs for creating fixed customers as unrealized brokerage fee bonds. There is no actual financial burden, and it can secure a competitive edge over general real estate brokerages, activate nationwide information exchanges among merchant real estate agencies, and establish a nationwide network of property information among merchant real estate agencies. It can play a leading role in the second voucher discount market, get the expected profit effect from the mediation of bank loans, and easily enter the market for new real estate brokerages.

In addition, buyers (customers) can reduce the burden of real estate brokerage fees, can use real estate brokerage vouchers regardless of region, and can use affiliates such as lawyers, tax accountants, movers, etc. (escrow) can be provided and unused real estate brokerage vouchers can be immediately cashed in the second discount market.

In addition, the real estate brokerage voucher sellers can enhance the consumer-friendly image, can expect the revenue generated from the agency commission of the real estate brokerage voucher, and can form a community with the merchant real estate brokerage.

Real estate brokerage voucher issuers can open new markets for vouchers, gain the ease of use and the relative cost savings of financing means for issuing vouchers, and increase the short-term yields with rapid funding turns.

Furthermore, the present invention has the effect of activating the real estate brokerage market, maximizing the utility value of customer capital, establishing rational real estate transactions, creating pre-purchase and free markets, and establishing a desirable derivatives market.

In the brokerage market where issuing and distributing real estate brokerage vouchers as shown in FIG. 2, the real estate brokerage voucher issuer 10 provides a buyer, a real estate brokerage voucher with a predetermined discount, to the buyer. It is possible to provide the real estate brokerage voucher directly to the real estate brokerage voucher seller 20 so that the real estate brokerage voucher seller 20 can offer the buyer a real estate brokerage voucher. Can be.

The real estate brokerage voucher purchased by the buyer is used in place of the real estate brokerage commission in the real estate transaction anywhere in the country where the real estate brokerage affiliate 30 is not limited, and is recovered. Thereafter, the real estate brokerage voucher issuer 10 recovers the real estate brokerage voucher from the real estate agent affiliated store 30 and pays the option brokerage fee to the real estate agent merchant 30 according to an unrealized brokerage fee bond futures option contract.

Here, the buyer may distribute the real estate brokerage voucher in the second discount market instead of using the real estate brokerage commission in the real estate transaction.

In the process of distribution of real estate brokerage vouchers used in real estate transactions as described above, a physical voucher may be used instead of the real estate brokerage vouchers.

The online distribution system for distributing real estate brokerage vouchers as described above is an issuer for issuing real estate brokerage vouchers as shown in Fig. 3, and issuing and distributing real estate brokerage vouchers, customer discount rate, merchant option discount rate and settlement, settlement, etc. Main server 11 in charge of the operation, the personal information of the first buyer, the price of the real estate brokerage voucher, the unique number and certification number of the real estate brokerage voucher, physical voucher number, release volume, sales performance by seller, collection by merchant A database 12 that stores information on performance, fee settlement details, and the like, and exchanges information according to a request of the main server 11, and when the purchaser requests a purchase, the information is transferred to the main server 10 through a communication network. If there is authentication for the buyer after the payment process of the main server 10 and the real estate from the issuer 10 Real estate brokerage merchants (21) that receive and sell to the buyers and sell to the buyers, real estate brokerage merchants with real estate brokerage gift card issuer contract options, recovers real estate brokerage vouchers used by buyers in real estate transactions, real estate brokerage fees Retrieval server for transmitting the recovery details of the buyer's personal information, brokerage object, the unique number of the real estate brokerage gift certificate, physical voucher number, price, fixed brokerage fee, authentication number, merchant number, etc. to the main server 11 ( 31) and the like.

Here, the purchase request for real estate brokerage gift certificate by the buyer is made directly through the consignment seller server 21 or through a personal computer or various portable terminals of the buyer connected online with the consignment seller server 21 or the main server 11 through a communication network. In the case of a personal computer, a wired Internet network may be used as a communication network, and a wireless Internet network may be used as a communication network in the case of various portable terminals such as a mobile phone or a PDA.

The consignment seller server 21 is a terminal held by a consignment seller who sells real estate brokerage vouchers and is connected to the main server 11 through a data communication network.

The consignment seller server 21 as a consignment seller of real estate brokerage vouchers is operated by a consignment sales contract with a real estate brokerage voucher that issues a real estate brokerage voucher. Information such as a storage number, quantity, and sales date is provided to the main server 11, and this information is stored in a database 12 connected to the main server 11.

An end user of a real estate brokerage voucher is a party to a sale or lease of a real estate and, through a real estate brokerage agency that is a member of a contract with the issuer of a real estate brokerage voucher, converts the real estate brokerage commission on behalf of cash in real estate transactions. Pay with a voucher).

The brokerage server 31 of the real estate brokerage agency that collected the real estate brokerage voucher receives information such as end user personal information, brokerage object, gift certificate unique number, physical storage number, authentication number, merchant number, and finalized brokerage commission through the network. After transmitting to the issuer's main server 11, the main server 11 receives the information from the database 12 and confirms the authenticity of the real estate brokerage voucher, and then pays the brokerage fee according to the option contract to the real estate agent. . The brokerage fee may be paid by account transfer through a financial institution.

The issuer of the real estate brokerage voucher grasps the sales performance of the real estate brokerage voucher seller and the recovery performance of each real estate brokerage merchant based on the information constructed in the database 12, and the discount rate applied to the customer and the option rate of the real estate brokerage merchant Can be adjusted.

The physical voucher of the real estate brokerage voucher or the real estate brokerage voucher mentioned above can be used as a real estate brokerage fee in real estate transactions, and if the real voucher is no longer needed due to a change or cancellation after payment of the purchase amount, After being exchanged for an actual real estate brokerage voucher of the bearer, it can be bought and sold in the second discount market.

The main server 11 is always connected to the consignment seller server 21 or the retrieval server 31, the financial institution computer network 40, and the buyer's personal computer or portable terminal through a data communication network to control the overall operation for providing a service. Done. To this end, the main server 11 has a web page information storage unit for storing information on input screens of various web pages for distribution of real estate brokerage gift certificates and a database 12 for storing various processing data according to the distribution of gift certificates. Has

For example, the web page describes the details of the vouchers sold to the buyer in accordance with the request of the purchaser's personal computer (terminal) through the consignment seller server 21, and explains how to sell them. And after performing the purchase price payment processing, etc., the order confirmation code is transmitted to the consignment seller server 21 or the corresponding terminal. In addition, the main server 11 may grasp information such as the type and unique number of the real estate brokerage vouchers recovered from the real estate brokerage affiliates, which are the end use places, the physical storage number, the quantity, the amount, the end user personal information, and the finalized brokerage commission.

The database 12 includes a buyer information storage unit for storing information of a buyer (purchase applicant), a gift certificate transaction information storage unit for storing gift certificate issuance information and sales distribution information, and a real estate brokerage store that is the final use place of a real estate brokerage gift certificate. It may be configured as a gift certificate recovery information storage for storing the gift certificate recovery information.

The buyer information storage unit stores personal information such as a member ID, password, name, social security number, telephone number, mobile terminal number, payment account number, e-mail address, etc., which are inputted when applying for a purchase through a customer terminal. do. In addition, the voucher transaction information storage unit stores information for the transaction of real estate brokerage vouchers, such as the issuance volume, sales volume, customer discount rate, unique number of the real estate brokerage voucher, physical storage number, and the like. In addition, the real estate brokerage merchant voucher recovery information storage section includes the end user personal information of the real estate brokerage voucher recovered during the real estate brokerage transaction, the face value, quantity, amount of the real estate brokerage voucher, the unique number of the real estate brokerage voucher, the physical storage number, and the fixed real estate brokerage fee. Information about the brokerage, brokerage, and option rates for merchants is stored.

The database 12 provided in the main server 11 is composed of a random access memory (RAM) or a hard disk. The database 12 may be configured in the main server 11, but may be a separate file server. It is preferable that it consists of).

The consignment seller server 21 is a server operated by a consignment agreement between the consignment seller of a real estate brokerage voucher and a real estate brokerage voucher issuer. Card payment is also possible. To this end, the main server 11 includes a card payment system connected to the financial institution computer network 40 through a communication network.

Hereinafter, the distribution flow of the real estate brokerage gift certificate issued by the real estate brokerage gift certificate issuer will be described.

First, the real estate brokerage fee is paid by the issuer of a real estate brokerage voucher by issuing a paper type real estate brokerage voucher of various face values such as 10,000 won, 50,000 won, 100,000 won or million won, or a bank account account voucher of the total purchase amount. Paper vouchers or bank account vouchers for the sale is issued to the buyer through the consignment seller server 21 in each region.

The purchaser applies the customer discount rate at the same time as the purchase request and pays for the purchase of the real estate brokerage voucher, and then outputs the physical voucher to prevent the loss caused by the loss of the real estate brokerage voucher from the customer terminal or the consignment seller server 21. Will be possessed.

In this case, the discount rate applied to the customer may be determined in consideration of the development maintenance cost of the distribution system for distributing the real estate brokerage gift certificate according to the present invention, the commission rate of the consignment sale and payment guarantee, and the future option rate with the real estate agent. That is, the discount rate applied to the customer is determined by the issuer of the real estate brokerage voucher in consideration of the purchase price and the performance of the purchase and recovery of the buyer and the real estate agent, and the period of use of the gift certificate.

For example, if the unrealized brokerage fee is 1,000,000 won, the bid price of the call option will be 850,000 won based on the futures option contract between the real estate brokerage gift card issuer who is a market maker and the merchant agency. When the real estate brokerage gift card issuer sets the discount rate for customers to 5% in consideration of the customer's purchase performance and the period of use of the gift certificate, the esk price in the real estate brokerage market Is 950,000 won. Therefore, the buyer purchases a real estate brokerage gift certificate with a par value of 1,000,000 won at a price of 950,000 won, which is discounted by 50,000 won.

The real estate brokerage gift certificate to which such a discount rate is applied is sold by a buyer through a customer terminal or a consignment seller server 21, and used at a real estate brokerage company affiliated with a merchant, and then returned to the real estate brokerage gift card issuer.

As described above, the process of distributing the real estate brokerage gift certificate will be described in each step by FIG.

First, when a buyer before and after a real estate transaction contract connects to a main server 11 that issues a real estate brokerage voucher by using a customer terminal (a personal computer, a mobile phone, a PDA, etc.) or a consignment seller server 21. The main server 11 reads information including a description of a predetermined initial screen gift certificate for providing services related to real estate brokerage vouchers, a national sales agency, and a national real estate agent affiliated store from the webpage information storage unit. The transmission to the customer terminal (S100).

The purchaser performs a login procedure for a purchase application. At this time, the purchaser performs a login procedure after completing the purchaser's personal information authorized through the Internet. For example, the main server 11 reads the identity authentication screen of the buyer from the screen information from the web page information storage unit, sends it to the customer terminal of the corresponding buyer, and inputs the personal information, namely, the buyer ID, password, name, The resident registration number, financial settlement account number, mobile communication terminal number, e-mail, and the like are registered and stored in the buyer information storage unit of the database 12 (S110).

When the login process is completed, the purchaser moves to the page for real estate brokerage voucher purchase through the web page provided by the main server 11 (S120). The page information storage unit reads the information screen for the purchase of the real estate brokerage gift certificate and sends it to the corresponding buyer terminal (S130).

Therefore, the buyer applying for a purchase selects the par value, purchase quantity, etc. of the real estate brokerage gift certificate to be purchased through the screen provided from the main server 11, and the customer discount rate is applied (S140).

When the type and sales amount of the real estate brokerage vouchers are selected by the buyer on the real estate brokerage voucher sale screen, the main server 11 reads the screen information for the subsequent payment step from the webpage information storage unit and sends them to the buyer terminal and the information selected by the buyer. Will be stored in the database 12.

When the purchaser completes the payment after determining whether to pay by the card or cash (S150), the main server 11 processes the corresponding amount through the financial institution computer network 40, and the buyer confirms the payment. At the same time to send (S160) to the buyer in order to prevent loss due to forgery and real estate brokers will be issued on behalf of the real estate brokerage vouchers (S170). In this case, the purchaser may use the physical voucher in place of the real estate brokerage fee at the real estate agent affiliated store, which is the final use place, and the buyer may output the physical voucher from the customer terminal or the consignment seller server 21.

Here, the physical voucher cannot be distributed, secured, or discounted, so if the purchaser's purchase purpose of the real estate purchase voucher is changed or canceled, the real voucher is presented to the real estate brokerage voucher seller and the real estate brokerage voucher is issued. Can be distributed and discounted at discount markets. At this time, the physical voucher or real estate brokerage voucher shall be issued in bearer name.In the physical voucher, type the voucher, purchase amount, quantity, voucher number, expiration date, etc.In the real estate brokerage voucher, the face value, unique number, expiration date, Other necessary matters can be written and paper or bank account can be issued (S180).

The information on the real estate brokerage gift certificate (including the physical voucher) sold to the buyer is stored in the database 12 of the main server 11 (S190).

The collection server 31 of the affiliated real estate brokerage agency searches the information provided from the main server 11 and checks the authenticity of the physical voucher or the real estate brokerage gift certificate presented by the buyer who concluded the real estate contract (S200). Information about personal information, physical voucher number, unique number of real estate brokerage voucher, brokerage object, gift voucher amount, finalized brokerage commission amount, etc. is sent to main server 11 to obtain approval for recovery of the relevant real estate brokerage voucher, and then the main server ( 11) to bill the option contract brokerage fee (S210).

The main server 11 of the real estate brokerage gift certificate issuer pays the option brokerage fee charged by the recovery server 31 of the merchant real estate brokerage to the real estate brokerage merchant account (S220), and setstles the settlement details in the database 12. Save (S230).

1 is a structural diagram of a conventional real estate brokerage market.

2 is a structural diagram of a real estate brokerage market using a real estate brokerage gift certificate according to the present invention.

Figure 3 is a block diagram showing a gift certificate distribution system according to the present invention for distributing a gift certificate for paying a real estate brokerage fee.

4 is a flowchart illustrating a gift certificate distribution method according to the present invention for distributing a gift certificate for paying a real estate brokerage fee.

-Explanation of symbols for the main parts of the drawings

11: main server 12: database

21: consignment seller server 31: recovery server

40: financial institution computer network

Claims (8)

A first step in which a purchaser accesses a main server through a customer terminal or a consigned seller server, inputs a face value, a quantity, personal information of a customer, etc. and applies for the purchase of a real estate brokerage gift certificate; A second step in which a customer who has applied for the purchase of the real estate brokerage voucher pays for the purchase of the real estate brokerage voucher by accessing a computer network of a financial institution through a main server; A third step of the main server issuing the real estate brokerage voucher to the buyer through the customer terminal or the consigned seller server when the cost for purchasing the real estate brokerage voucher is paid; And When the purchaser collects the real estate brokerage gift certificate paid by the real estate brokerage fee when the buyer makes a real estate transaction, the recovery server provides the main server with information on the real estate brokerage gift certificate, and then requests the main server to pay the brokerage commission through the futures option contract. Step 4; Method for circulating a gift certificate used as a real estate brokerage fee comprising a. The method of claim 1, The real estate brokerage gift certificate is a third party issuance method issued by a market maker, and the real estate brokerage fee, characterized in that the amount of money, gift certificate unique number, the expiration date, etc., is a bearer gift certificate applied forgery aid technology A method of distributing a gift certificate used as a certificate. The method of claim 1, The real estate brokerage voucher in the first step is a physical voucher that can be substituted for the real estate brokerage voucher, characterized in that the distribution of vouchers used as a real estate brokerage fee. The method of claim 1, The real estate brokerage voucher is a method for circulating a voucher used as a real estate brokerage fee, characterized in that sold or issued by a customer application discount rate by a consignment sales contract between the consignment seller server and the real estate brokerage voucher issuer. A server operated by an issuer for issuing a real estate brokerage voucher, the main server in charge of issuing and distributing the real estate brokerage voucher, a customer discount rate, a merchant option discount rate, and a settlement and settlement; Store and recall the information on the personal information of the original buyer, the price of the real estate brokerage voucher, the unique number and certification number of the real estate brokerage voucher, the physical voucher number, the sales volume, the sales performance by seller, the collection performance by the merchant, and the settlement of fees A database for exchanging information at the request of the main server; When the purchaser requests a purchase, the information is transmitted to the main server through a communication network, and when the purchaser is authenticated through the settlement process of the main server, the real estate brokerage voucher is supplied from the real estate brokerage voucher issuer and sold to the buyer. Consignment merchant server; And Real estate brokerage vouchers and real estate brokerage bond futures options located in the real estate brokerage store contracted by the buyer, the buyer's personal information, brokerage object, real estate brokerage vouchers to recover the real estate brokerage vouchers used in the real estate transaction and to receive real estate brokerage fees A retrieval server for transmitting retrieval details such as a unique number, a physical voucher number, a price, a fixed brokerage fee, an authentication number, and an affiliated store number to the main server; System for circulating a gift certificate used as a real estate brokerage fee comprising a. The method of claim 5, The real estate brokerage gift certificate is a third party issuance method issued by a market maker, and the real estate brokerage fee, characterized in that the amount of money, gift certificate unique number, the expiration date, etc., is a bearer gift certificate applied forgery aid technology A system for distributing gift certificates used for sale. The method of claim 5, The real estate brokerage voucher is a system for circulating a gift certificate used as a real estate brokerage fee, characterized in that the physical voucher that can replace the real estate brokerage voucher. The method of claim 5, The consignment seller server sells or issues a real estate brokerage voucher to a buyer by applying a customer discount rate according to a consignment sales contract with the issuer of the real estate brokerage voucher and charges a proxy fee. System for distribution.

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