KR20130126410A - Financial service providing method for deposit pay and management in owner-tenant relationship - Google Patents

Abstract

The present invention relates to a financial service providing method for the payment and management of a deposit between a landlord and a tenant. The method comprises the steps that a service providing server providing a financial service to a landlord and a tenant: (1) receives conditions according to the real estate rental contract between the landlord and the tenant and joins a financial product for paying and managing a deposit for the real estate rental contract; (2) accumulates payment for payment for the installment of the deposit received from the tenant; (3) receives management information from a management company which manages the accumulated financial product; (4) calculates benefits by using the received management information during a predetermined settlement period; and (5) pays the calculated benefit to the landlord. [Reference numerals] (S100) Installment finace product subscription processing step;(S200) Payment of tenant calculating step;(S300) Selection of operating strategy from leaseholder receiving step;(S400) Payment given from tenant accumulating step;(S500) Operating information from operating company receiving step;(S600) Profit calculating by using operating information step;(S700) Paying the calculated profit to leaseholder step;(S800) Paying original payment to tenant step

Description

FINANCIAL SERVICE PROVIDING METHOD FOR DEPOSIT PAY AND MANAGEMENT IN OWNER-TENANT RELATIONSHIP}

The present invention relates to a financial service providing method, and more particularly, to a financial service providing method for payment and management of the deposit between the lessee and the lessee.

Today, many people manage property such as land or buildings as assets, and if the property is a commercial building or a building with a business store, the tenants are accepted to multiply the assets by obtaining a deposit or rent including rent. have. On the other hand, 40-50% of the housing type in Korea is cheonsei or monthly rent, the real estate is leased by the contract between the lessee and the lessee, the broker is in the form of brokering.

As such, the landlord and tenant enter into a real estate lease for the purpose of housing or business, and the tenant uses the real estate during the term of the lease, which is generally difficult to raise because of the large amount of rent or deposit. Tenants often have difficulties.

In addition, according to the existing lease agreement, if the landlord's cash liquidity is not secured even after the lease contract expires, the tenant may wait until the landlord gives a deposit or return the bond through legal procedures under the Lease Protection Act. In addition, lessees who are not familiar with legal proceedings may become subordinated creditors of the property and may not be able to get the deposit back even through legal proceedings.

On the other hand, if the landlord's negligence causes property damage, the tenant is in an unavoidable situation, which may lead to the inability to recover all or part of the tenant's deposit. In addition, according to current Korean legislation, the real estate registration mark uses the disclosure system, so it is difficult to verify the actual ownership relationship, so the tenant may be a party to legal proceedings. There was a problem of being limited by the consent of, the establishment of charter rights or the income of tenants.

In order to solve such a problem, there has been disclosed a technique for a real estate lease brokerage transaction method and system in which a financial institution intervenes to rent a lease deposit (see Korean Patent Publication No. 10-2009-0000053). However, even with this technique, the tenant is in the form of a loan, so the burden of the tenant is still in debt.

In addition, landlords receiving deposits tend to shift to rent rather than rents at once, as inflation has recently surpassed the interest rate, making it difficult to securely manage funds. However, the tenant tends to prefer the charter because the rent or deposit will be returned. Therefore, the lease problem of real estate is intensifying due to the difference between the landlord and the tenant.

The present invention has been proposed to solve the above problems of the conventionally proposed methods, the service providing server receives the payment from the tenant to earn as a deposit, the profit earned by operating the earned financial products with the amount earned by the tenant By paying to the landlord, the tenant can install a deposit, so he can reduce the burden of raising money, install a deposit at a reliable service provider server and return the deposit to the landlord at the end of the contract period. Its purpose is to provide a financial service providing method for payment and management of the deposit between the lessee and the lessee who is unlikely to receive the deposit even if the security is secured and the mortgage is secured in the rented property. .

In addition, the present invention, the landlord can obtain a profit according to the operation of the reliable service providing server or manager server without the burden of operating a large amount of money, the settlement between the landlord and the lessee that can take the profit by the desired period by setting the settlement period Another object is to provide a method of providing financial services for payment and management.

In addition, the present invention, by sending a warning message to the landlord when the tenant's payment is not paid, so that the landlord can quickly take action, calculate the expected profit when the tenant's payment is normally paid from the amount already paid It is another object of the present invention to provide a method of providing financial services for payment and management of a deposit between the landlord and the lessee, which can prevent the landlord from incurring damage due to the failure of the tenant to fail to install the deposit.

Financial service providing method for payment and management of the deposit between the lessor and the lessee according to the characteristics of the present invention for achieving the above object, the service providing server for providing the financial services to the lessor and the lessee,

(1) inputting a condition according to the landlord's and tenant's real estate lease agreement, and processing the subscription of the earned financial product for paying and managing the deposit for the real estate lease contract;

(2) accumulating payments for installment of the deposit received from the lessee;

(3) receiving operation information from an operator server operating the earned financial product;

(4) calculating a profit using the received operation information for a predetermined settlement period; And

(5) characterized in that it comprises the step of paying the landlord the calculated revenue.

Preferably, the condition received in step (1) is,

It may include at least one or more of the total amount of the deposit to be paid and managed through the accumulation-type financial products, the contract period and the contract termination conditions.

Preferably, between step (1) and step (2)

According to the condition received in the step (1) may further comprise the step of calculating the payment of the tenant who is a ante payment for the deposit under the real estate lease.

Preferably, prior to step (3)

And further comprising the step of receiving a selection for the management strategy of the earned financial product from the landlord,

The selected operating strategy may be transmitted to the manager server so that the accumulated financial product may be operated according to the operating strategy.

Preferably, in the step (2)

If payment is received from the lessee at a predetermined time, a warning message may be sent to the landlord's contact information.

More preferably,

In the step (4), the expected revenue when there is a payment is calculated,

In the step (5), the calculated expected revenue may be paid to the landlord in the tenant's reserve.

Preferably, in the step (4)

If a loss of more than a predetermined ratio of the principal paid by the lessee occurs, a warning message can be sent to the contact of the lessee.

Preferably, after step (5),

When the real estate lease is expired, the payment of the principal paid in the step (2) may further comprise the step of paying the lessee.

According to the method for providing a financial service for payment and management of the deposit between the lessor and the lessee proposed by the present invention, the service providing server receives the payment from the lessee and earns it as a deposit, and operates the earned financial product with the amount earned by the lessee. By paying the rent to the tenant, the tenant can install a deposit, which can reduce the burden of raising money, install a deposit at a reliable service provider server, and return the deposit from the service provider server at the end of the contract period. There is no risk of a landlord dropping a security deposit, and even if a mortgage is secured in a rented property, it is less likely to be subordinated and not receive a security deposit.

In addition, according to the present invention, the lessor can obtain a profit according to the operation of the reliable service providing server or manager server without the burden of operating a large amount of money, it is possible to set the settlement period to take the profit for each desired period.

In addition, according to the present invention, by sending a warning message to the landlord when the tenant's payment is not made, the landlord can quickly take action and calculate the expected profit when the tenant's payment is normally paid. By paying the expected return to the landlord, you can prevent the landlord's damages from the tenant's failure to pay the deposit.

1 is a view showing a conventional deposit payment and management method.
2 is a diagram illustrating a configuration of a system for implementing a method of providing a financial service for payment and management of a deposit between a landlord and a tenant according to an embodiment of the present invention.
3 is a flow chart illustrating a method of providing a financial service for payment and management of a deposit between a landlord and a tenant according to an embodiment of the present invention.
4 is a view illustrating an example of a terminal of a landlord who receives a warning message in a method of providing a financial service for payment and management of a deposit between a landlord and a tenant according to an embodiment of the present invention.
5 is a diagram illustrating an example of a terminal of a tenant who receives a warning message in a method of providing a financial service for payment and management of a deposit between a landlord and a tenant according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, in order that those skilled in the art can easily carry out the present invention. In the following detailed description of the preferred embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In the drawings, like reference numerals are used throughout the drawings.

In addition, in the entire specification, when a part is referred to as being 'connected' to another part, it may be referred to as 'indirectly connected' not only with 'directly connected' . In addition, the term 'comprising' of an element means that the element may further include other elements, not to exclude other elements unless specifically stated otherwise.

1 is a diagram illustrating a conventional deposit payment and management method. As shown in FIG. 1, when the landlord 20 and the tenant 30 make a real estate lease contract including a deposit, the tenant 30 temporarily pays the deposit to the landlord 20. The landlord 20 may operate the received deposit on its own during the lease period. After the lease period has passed, the landlord 20 returns the deposit to the tenant 30. At this time, if there is a reason that the tenant 30 does not pay the rent, etc., the corresponding amount may be subtracted from the deposit and the balance may be returned.

According to the conventional method of payment and management of a security deposit in a real estate lease, the tenant 30 is burdened with arranging a large amount of money to pay the security deposit at a time, and the landlord 20 may worry about removing the security deposit. have. In addition, in recent years, the interest rate is low and the inflation rate is very high, the landlord 20 has a problem that it is difficult to manage the money, such as deposits. In such a situation, the landlord 20 tends to lower the deposit rate as much as possible and converts it into the rent, and the renter 30 suffers from the problem of real estate renting because the rent is difficult to obtain the rent and the deposit is difficult. .

Figure 2 shows the configuration of a system for implementing a method for providing a financial service for payment and management of the deposit between the landlord 200 and the lessee 300 according to an embodiment of the present invention, which can solve the problems as described above One drawing. As shown in FIG. 2, a system for implementing a financial service providing method for deposit payment and management between a tenant 200 and a tenant 300 according to an embodiment of the present invention includes a service providing server 100, The landlord 200 may include a tenant 300, a tenant 300, and a manager server 400.

That is, in the present invention, the service providing server 100 processes the subscription of the accumulated financial products in accordance with the real estate lease agreement of the landlord 200 and the tenant 300, receives the payment from the tenant 300 to correspond to the deposit Accumulate the amount, the renter 300 may pay the renter 200 the profits operating the earning-type financial products in the amount earned.

Therefore, the tenant 300 may install a deposit, thereby reducing the burden of raising money, paying the deposit to a reliable service providing server 100, etc., and returning the deposit from the service providing server 100 when the contract period expires. By receiving, there is no fear of removing the deposit to the landlord 200. In addition, even if a security is secured in the rented property, it is less likely to receive a deposit because it is subordinated. On the other hand, the landlord 200 can obtain the profits of the operation of the service providing server 100 with high reliability without burden of operating the money, and set the settlement period to take the profits for each desired period.

On the other hand, in the present invention, the deposit means a money that is issued between the tenant 200 and the tenant 300 at the time of real estate lease, it may include a rent. Hereinafter, each component constituting the system for implementing a method for providing a financial service for deposit payment and management between the lessor 200 and the lessee 300 according to an embodiment of the present invention will be described in detail.

The service providing server 100 may be a server that provides financial services to the tenant 200 and the tenant 300. The service providing server 100 may provide a credited financial product to the tenant 200 and the tenant 300 and operate through the manager, thereby managing the deposit paid by the tenant 300 and providing revenue to the tenant 200. have. The service providing server 100 may report the operation status of the accumulated financial product to the landlord 200 or the tenant 300 at predetermined intervals, and if necessary, warn the contact of the landlord 200 or the tenant 300. You can also send a message.

The tenant 200 may be a person who intends to receive and manage a deposit by using a financial service providing method provided by the service providing server 100, and may own a real estate and conclude a real estate lease with the tenant 300. The landlord 200 may receive a deposit, such as a rent, from the tenant 300 according to the contents of the real estate lease contract, which may be paid and managed according to the financial service provided by the service providing server 100. The deposit should be returned to the tenant 300 when the contract period expires, but since the bond belongs to the landlord 200 during the contract period, the landlord 200 can select the management method of the deposit, the management strategy of the accumulated financial products, and the like. have.

The tenant 300 is a person who wants to pay a deposit to the landlord 200 by using the financial service providing method provided by the service provision server 100, and concludes a real estate lease with the landlord 200 to use the real estate. It can be The renter 300 may pay the renter 200 a deposit such as a rent according to the contents of the real estate lease contract, which may be paid according to the financial service provided by the service providing server 100 and returned when the contract expires. .

The tenant 200 and the tenant 300 may use the financial service by connecting to the service providing server 100 using the terminal of the tenant 200 and the terminal of the tenant 300, respectively. In this case, the terminal may be various communication terminals capable of using a network such as a computer, a notebook, a netbook, a PDA, a smartphone, a smart note, a tablet PC, and a smart TV. The tenant 200 and the tenant 300 may access the service providing server 100 through a network including the Internet, an intranet, a wired / wireless communication network, a mobile communication network, and receive financial services. In addition, the landlord 200 and the tenant 300 is an application program for implementing a method of providing a financial service for payment and management of the deposit between the landlord 200 and the tenant 300 according to an embodiment of the present invention. By installing and executing the terminal in the terminal, it is possible to conveniently provide financial services. In this case, in order to protect personal information, financial information, and the like of the tenant 200 and the tenant 300, the service providing server 100 may encrypt various signals and data, and may use a certificate.

The manager server 400 is a server for operating the earned financial products subscribed by the lessor 200 and the lessee 300 through the service providing server 100. The manager server 400 may operate a deposit paid by the tenant 300 in installments according to the management strategy selected by the lessor 200. The manager may periodically transmit operation information to the service providing server 100 including an operation state, a yield rate, a response strategy, and the like of the accumulated financial product. The operator server 400 and the service providing server 100 may transmit and receive various signals and data through a network, or may be through an internally connected network.

3 is a diagram illustrating a flow of a financial service providing method for payment and management of a deposit between a tenant 200 and a tenant 300 according to an embodiment of the present invention. As shown in Figure 3, the method of providing a financial service for payment and management of the deposit between the lessor 200 and the lessee 300 according to an embodiment of the present invention, the step of processing the subscription of the accumulated financial products (S100) Receiving the payment received from the tenant 300 (S400), Receiving operation information from the manager server 400 (S500), Calculating the revenue using the operation information (S600) and the calculated revenue It may be implemented, including the step (S700) to pay to the landlord 200, calculating the payment of the tenant 300 (S200), receiving a selection for the management strategy from the landlord 200 (S300) And paying the payment principal to the tenant 300 (S800) may be implemented.

In step S100, the service providing server 100 receives the conditions according to the real estate lease agreement of the landlord 200 and the tenant 300, and processes the subscription of the financial-type financial products to pay and manage the deposit for the real estate lease agreement can do. The condition received in step S100 may include at least one or more of the total amount of the deposit to be paid and managed through the accumulation-type financial product, the contract period and the contract termination condition. In step S100, other personal information necessary for the subscription of the general financial product may be further input, and the subscription of the accumulated financial product of the present invention may be processed.

The earned financial product of the present invention is to pay and manage the deposit to be paid in accordance with the real estate lease agreement between the tenant 200 and the tenant 300, the total amount of the deposit can be paid in the form of the tenant 300 installments. In addition, the profit generated by operating the deposit paid during the contract period is paid to the landlord 200, the payment principal paid by the tenant, that is, the deposit can be returned to the tenant 300 at the end of the contract period.

The total amount of deposit, the time of payment, the type of payment, the contract period, etc. may be determined by a contract between the landlord 200 and the tenant 300, and the accumulated financial products subscribed at the time of termination of the real estate lease may be terminated. Of course, according to the real estate lease agreement between the landlord 200 and the tenant 300, a portion of the deposit is to be paid at the time of the contract and the remaining bonds are to be subscribed to the accumulated financial products. Conditions may change at any time. In addition, since there may be a variety of products, such as deposits, savings, reserve funds in the earned-type financial products, various kinds of products may be operated according to the choice of the lessor 200 and the lessee 300.

In step S200, the service providing server 100 may calculate the payment of the tenant 300, which is a payment for the deposit according to the real estate lease contract, according to the condition received in step S100. For example, in step S100, if the total amount of deposit is 24 million won, the contract period is 2 years, and the payment type is monthly payment, the service providing server 100 calculates the payment of the tenant 300 to 1 million won per month. Can be. Depending on the embodiment, the amount of the payment may not always be constant, such as increase or decrease of the payment over time. The payment information calculated in step S200 may be transmitted to the contact person of the landlord 200 or the tenant 300 to check the amount to be paid or the amount to be paid.

In operation S300, the service providing server 100 may receive a selection of an operation strategy of the earned financial product from the landlord 200. The service providing server 100 may transmit the management strategy selected by the lessor 200 to the manager server 400 so that the accumulated financial product may be operated according to the desired management strategy of the lessor 200.

In the present invention, the person who pays the payment to the tenant 300, the ownership of the deposit paid during the contract period is to the landlord 200, the profits of the operation of the deposit is received by the landlord 200. Therefore, by allowing the landlord 200 to select a management strategy of the earned financial product, it is possible to prevent the landlord 200 complaints about the profit. Particularly, in the case of a product investing in stocks or bonds, such as a fund product, there may be a large difference in profits depending on the investment strategy or the investment ratio. Therefore, the landlord 200 directly determines how and at what rate the landlord 200 will invest the stocks and bonds. You can choose.

In operation S400, the service providing server 100 may accumulate a payment for arranging the security deposit received from the tenant 300. In this case, the payment calculated in step S200 may be received at a predetermined payment time, and the manager may operate the accumulated financial product with the accumulated payment amount. On the other hand, in step S400, if the payment is received from the tenant 300 at a predetermined time, the warning message can be sent to the contact of the landlord 200. That is, if receipt of the payment is not made on the scheduled delivery date, the landlord 200 is the same as failing to receive a portion of the deposit according to the real estate lease contract, so that the landlord 200 by informing the landlord 200 of the landlord 200 This can be confirmed and action taken.

4 illustrates a terminal of a landlord 200 receiving a warning message in a method of providing a financial service for payment and management of a deposit between the landlord 200 and the tenant 300 according to an embodiment of the present invention. Drawing. As shown in Figure 4, in step S400 of the financial service providing method for payment and management of the deposit between the landlord 200 and the lessee 300 according to an embodiment of the present invention, the service providing server 100 is a landlord ( Alert message can be sent to the contact of 200). The landlord 200 may receive a warning message through the terminal of the landlord 200, and may promptly take action in response thereto. The alert message may be transmitted using various means such as a short message service (SMS), a multi message service (MMS), a voice message, an e-mail, a social network service (SNS), and the like, as shown in FIG. 4. It may be sent in the form of a push message.

In operation S500, the service providing server 100 may receive operation information from the manager server 400 operating the accumulated financial product. The operation information may include various information related to the operation of the earned financial product of the present invention, such as a product name, an account number, a total accumulated amount, an operating strategy, an evaluation amount, a yield, an expiration date, a detailed transaction history, and the like. In particular, by including information related to the revenue, the service providing server 100 may calculate the revenue of the landlord 200 in step S600 to be described in detail below.

In operation S600, the service providing server 100 may calculate revenue by using the operation information received for the predetermined settlement period. In other words, the profit from the operation of the accumulated deposit can be calculated using the operation information received from the manager server 400 in step S500. The profit may be a profit rate, a difference between the valuation amount and the total accumulated amount, and the like, but according to an embodiment, the method of calculating the profit may be different. On the other hand, in step S600, if the payment is received from the tenant 300 at a predetermined time in step S400, it is possible to calculate the expected revenue when there is a payment. That is, since the tenant 300 does not pay the payment, the landlord 200 suffers unforeseen damages, and thus, in step S6000, the landlord 200 can compensate for the loss of the landlord 200.

On the other hand, in step S600, if a loss of more than a predetermined ratio occurs in the paid principal of the tenant 300, a warning message can be sent to the contact of the tenant 300. That is, when the landlord 200 selects a high-risk operation strategy in step S300, if the loss of the principal paid by the tenant 300 is returned when the contract expires, unexpected damage may occur to the tenant 300. . Therefore, in operation S600, when a loss of more than a predetermined ratio occurs, the tenant 300 may transmit a warning message.

5 illustrates a terminal of a tenant 300 that receives a warning message in a method of providing a financial service for payment and management of a deposit between the tenant 200 and the tenant 300 according to an embodiment of the present invention. Drawing. As shown in FIG. 5, in step S600 of the method of providing a financial service for payment and management of a deposit between the tenant 200 and the tenant 300 according to an embodiment of the present invention, a warning message is sent to the terminal of the tenant 300. Can be transmitted. The alert message may be transmitted using various means such as a short message service (SMS), a multi message service (MMS), a voice message, an e-mail, a social network service (SNS), and the like, as shown in FIG. 5. It can also be sent as a text message.

In step S700, the revenue calculated by the service providing server 100 may be paid to the landlord 200. In this case, the profit may be paid to the account of the lessor 200, and may be operated in combination with the principal paid by the lessor 300 according to the choice of the lessor 200. On the other hand, in step S700, a payment is received from the renter 300 at a predetermined time in step S400 may be paid to the landlord 200 from the deposit earned by the tenant 300 calculated in step S600. That is, by paying the expected return to the landlord 200 in the total amount of the deposit that the tenant 300 is returned at the end of the contract period, the landlord 200 may compensate for the loss of the landlord.

In step S800, when the real estate lease contract expires, the service providing server 100 may pay the tenant 300 the payment principal accumulated in step S400. Deposits, such as rent, are money that is issued to cover debts that may arise in the future, and are returned to the tenant 300 after the lease 200 and the tenant 300 terminate the real estate lease. The paid principal earned in step S400 of the present invention corresponds to a security deposit in the real estate lease, and may be paid to the tenant 300 when the contract expires. At this time, the service providing server 100 may pay to the account of the tenant (300). On the other hand, in the real estate lease relationship, the return of the deposit is in parallel with the return of the real estate of interest, so if there is an application by the landlord (200), the payment can be withheld, and a portion of the deposit is paid to the landlord (200). Only the rest may be paid to the tenant 300.

The present invention may be embodied in many other specific forms without departing from the spirit or essential characteristics of the invention.

20, 200: Landlord 30, 300: Renter
100: service providing server 400: operator server
S100: step of processing the subscription of earned financial products
S200: calculating the payment of the lessee
S300: step of receiving input from the landlord for a management strategy
S400: accumulating the payment received from the lessee
S500: step of receiving operation information from the operator server
S600: calculating revenue using the operational information
S700: step of paying the landlord the calculated revenue
S800: step of paying the principal to the lessee

Claims (8)

A service providing server that provides financial services to tenants and tenants,
(1) inputting a condition according to the landlord's and tenant's real estate lease agreement, and processing the subscription of the earned financial product for paying and managing the deposit for the real estate lease contract;
(2) accumulating payments for installment of the deposit received from the lessee;
(3) receiving operation information from an operator server operating the earned financial product;
(4) calculating a profit using the received operation information for a predetermined settlement period; And
(5) a method of providing a financial service for payment and management of a deposit between a landlord and a tenant, comprising the step of paying the rent to the landlord.
According to claim 1, wherein the condition received in step (1),
Method of providing a financial service for payment and management of the deposit between the lessee and the lessee, characterized in that it comprises at least one or more of the total amount of the deposit to be paid and managed, the contract period and the contract termination conditions through the earned financial products.
The method according to claim 1, wherein between step (1) and step (2)
And calculating a payment of the lessee, which is an installment payment for the deposit according to the real estate lease contract, according to the conditions input in step (1). How we deliver the service.
The method of claim 1, wherein before step (3),
And further comprising the step of receiving a selection for the management strategy of the earned financial product from the landlord,
And transmitting the selected management strategy to the manager server so that the accumulated financial product is operated according to the management strategy.
2. The method according to claim 1, wherein in the step (2)
If the payment is received from the lessee at a predetermined time, a warning message is sent to the landlord's contact, characterized in that the financial service providing method for payment and management of the landlord and tenant.
The method of claim 5,
In the step (4), the expected revenue when there is a payment is calculated,
In the step (5), characterized in that to pay the landlord in the reserves of the calculated expected revenue, the tenant and the tenant provides a financial service for payment and management of the tenant.
The method according to claim 1, wherein in the step (4)
And when a loss of more than a predetermined ratio of the principal paid by the tenant occurs, a warning message is sent to the tenant's contact information.
The method of claim 1, wherein after step (5),
If the real estate lease contract is expired, further comprising the step of paying the tenant the payment paid in the step (2), the financial service providing method for payment and management of the tenant and the tenant.

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