KR20180119111A - Joint pool service system and method for real estate - Google Patents

Abstract

The present invention relates to a joint pool service system for real estate and a method thereof. More specifically, a user submits a non-resident equity account issued by a trust company, which divides a real estate entrusted to the trust company into a non-resident equity for the issuance of a residential equity right and a non-resident equity right, to a non-resident equity right related account of an owner, provides a joint pool service that supports the purchasing of goods or services of sellers by using a corresponding non-resident equity right as standard money, allows a residence right of the user to be recognized through the residential equity, and reduces the burden on the user to invest in the real estate through the corresponding non-resident equity, thereby stimulating investment for profit generation and reducing interest on loans used for buying real estate. So, it is possible to increase the liquidity of funds invested in the real estate. The joint pool service system includes a trust company server and a service server.

Description

[0001] Joint pool service system and method for real estate [0002]

The present invention relates to a system and method for real-estate joint full service, and more particularly, to a system and method for real-community joint full service system, and more particularly to a real estate joint full service system and method, , Which provides a joint pool service that allows the seller to purchase goods or services by using the corresponding non-resident equity as the principal currency, thereby improving the liquidity of the funds invested in the real estate. System and method.

Currently, there is a real estate service system that provides a variety of services related to real estate transactions through the online network, and this real estate service system enhances the convenience of transactions between buyers and sellers.

In addition, the existing real estate service system also provides loan service with real estate as collateral. Through this, it is possible to increase convenience for setting up collateral for real estate and to secure loan fund through it, so that the owner can use various kinds of funds Of the total investment.

In addition, with the recent rapid increase in lease contracts, the real estate service system also provides a service system in which the owner can easily find the tenant of the real estate and introduces the investment destination of the rental money paid to the owner by the tenant.

However, this existing real estate service system is merely a transfer of off-line trading activities to online transactions using a simple network, and it is difficult to expect the expansion of the market size to be limited to a transaction target.

In other words, the existing real estate service system guarantees the convenience of simple transaction connection or the setting of the collateral of the real estate, and there is a limitation in supporting the owner to use the transaction object for the goods or services other than real estate have.

However, the owner can secure the funds through loan or lease contracts with real estate as collateral, but in the case of such funds, the interest burden increases and the investment using lease funds is limited by the lease term There is a problem that real estate management has considerable restrictions.

In addition, most of the recent investment funds are concentrated in real estate, which causes long-term investment funds to be tied to real estate that requires a large amount of buying and leasing contracts, resulting in a steady decline in liquidity. Causing a problem of slowing down.

In addition, the concentration of investment funds in these real estate causes abnormal price rise of real estate, and as a result, the case of purchasing real estate by taking out a loan in anticipation of price increase of real estate is increasing. As a result, The buyer who bought the real estate due to the pressure of the real estate market will reduce the expenditure, so that there is a problem that the money rotation does not occur in other markets except the real estate market.

In addition, due to the concentration of investment in real estate, the deposit is also rising, so that the homeless should inject a considerable amount of money for the simple lease, and can not secure the stability of the deposit with the tribute due to the lease of the house with excessive loan .

Therefore, by developing a new market that can activate the funds invested in real estate, and assisting the transactions in various goods and services as well as real estate through the market, securing the liquidity of funds invested in real estate, It is required to develop a new system that can activate the economy and support the stable residence in the house with small funds.

Korean Patent Publication No. 10-2010-0088419

The present invention divides the real estate of a user who trusts a real estate into a trust company into a non-resident stake for issuance of housing securities, which is a bearer bond for the real estate, and a residence stake corresponding to the non-resident stake, And provides a new joint-service-related market that can be traded as currency in which the seller's goods or services can be purchased, thereby securing liquidity for the funds invested in the real estate, The purpose is to support residence stability and revitalization of the economy at the same time by supporting stable residence in housing with small funds.

A real estate joint pool service including a service provider server communicating with a seller's terminal of a seller who sells goods for goods or services and a trustee server that performs a management trust for a trusty house according to an embodiment of the present invention; The system includes the home trust information for the plurality of housing-related non-residential equity-related accounts issued in correspondence with the remaining equity of the entirety of the housing excluding the user's housing stake, and the equity ratio of the residential equity to the remaining equity To the service server, and registers a non-resident equity account corresponding to each of the user and the seller by communicating with the user terminal and the seller terminal of the user, According to the home trust information, the user's non- The method comprising the steps of: registering the plurality of non-resident interest accounts in the related account; transmitting market information on the common pool market for the commodity transaction between the user and the seller to the user terminal and the seller terminal; And a service server for transferring the non-resident equity right corresponding to the selling price of the commodity to the account of the non-resident equity of the seller when the commodity transaction is concluded.

The present invention allows a user to trust a real estate to a trust company to occupy the real estate through a resident's stake in the real estate, so as to utilize the remaining stakes of the real estate aside from the residential stake in the issuance of the non-resident equity, By providing a joint pool service that provides the purchased non-resident share to be used for purchasing the goods or services of the seller through a market in which various sellers selling the products participate, securing the liquidity of the funds invested in the real estate, And provide funds for the joint pool service so that the non-resident equity can be used for various purposes such as living expenses for purchasing various goods, Through joint pool service related market By helping to have sex, the effect of promoting the activation of domestic and corporate match.

1 is a configuration environment view of a real estate joint pool full service system according to an embodiment of the present invention;
2 is a configuration environment diagram of a real estate joint pool service system according to another embodiment of the present invention;
3 is a configuration diagram of a service system constituting a real estate joint pool service system according to an embodiment of the present invention;
4 is a configuration diagram of a server and a terminal constituting a real estate joint pool service system according to an embodiment of the present invention;
5 to 7 are conceptual diagrams of an adjustment process of a share ratio according to a change in a house price of a service server according to an embodiment of the present invention.
FIG. 8 is a conceptual diagram illustrating a process of adjusting a stock according to a lease setting for a house of a service server according to an embodiment of the present invention; FIG.
FIG. 9 through FIG. 11 are diagrams illustrating an operation example of a stock adjustment process of a service server according to a user's debt repayment according to an embodiment of the present invention; FIG.
FIG. 12 is a conceptual diagram illustrating the operation of the method of utilizing cash to be deposited in the joint pool service related market of the service server according to the embodiment of the present invention. FIG.
FIG. 13 is a conceptual diagram illustrating the operation of the liquidation cash utilization plan according to the liquidation of the housing securities of the service server according to the embodiment of the present invention.
FIG. 14 is a conceptual diagram showing support for utilization of investment funds between a user of a service server and an investment target company according to an embodiment of the present invention; FIG.
15 is a block diagram illustrating a configuration of a block network according to an embodiment of the present invention;

Hereinafter, detailed embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a configuration environment diagram of a real estate joint pool full service system according to an embodiment of the present invention. As shown in FIG. 1, a housing pool is a public pool for a market that is used for trading goods including goods or services, and a trust company 20 associated with the service operator 50. The trust company 20 trusts the real estate 10 and manages the real estate 10 A user 11 who has received a home security corresponding to a non-resident stake and uses the same through the common pool service 40 by dividing the home security service 10 into a non-resident stake for issuance of a residential district and a home security, (70) that sells goods or services to the customer (11).

At this time, the real estate 10 described in the present invention may include various objects such as a house (including an apartment), a building, a land, and the like.

Prior to the description, recent real estate (10) also permits the issuance of beneficiary certificates and may be issued by name or bearer name. Registered beneficiary certificates shall be effective only after notification of the change in rights, but bearer beneficiary certificates shall not be required to be declared, and shall be effective only when possessed.

Therefore, when the owner (user) 11 who owns the real estate 10 trusts the real estate 10 to the trust company 20, the real estate 10 entrusted by the trust company 20 is transferred to the owner's real estate 10, And the remaining stakes, except for the residential stake, can be split into non-resident stakes and issued as unsecured beneficiary securities to the corresponding non-resident stakes.

At this time, the trust company (20) sets the ratio between the residential stake and the non-resident stake to clearly divide the right and the duty relationship between the residential stake and the non-standing stake, and the user (11) (20), and registers each of the rights and obligations in the real estate trust. A real estate trust is a kind of document that describes what a contracting party requires in the process of signing a real estate trust contract.

In addition, the ratio of the residential stake to the non-resident stake may be changed according to a contract between the owner (user) 11 and the trust company 20.

The present invention allocates a housing stake to the user 11 that substantially reduces the house price to about one third of the existing price, about 30%, and keeps the housing guarantee as it is, A seller 70 that sells various commodities such as goods or services, and the service operator 50 issues a home security for the asset securitization and the home security issued by the trust company 20 is used as the home currency, (40) for participating in the joint pool service (40), thereby enabling the purchaser to buy goods and services necessary for stakeholders such as house owners (users) and charterers as asset securitized housing securities do.

As a result, house prices are significantly reduced to one-third of the existing prices, but housing guarantees are secured as they are for the entire house, and rent and rent problems are fundamentally resolved. Securities, which is a housing security that securitizes its assets, has no interest from the beginning due to its nature. Therefore, the issuance of housing securities has the effect of increasing disposable income, which is not burdened with interest.

In addition, the present invention can assure that the user 11 purchases the goods or services of the seller 50 through housing securities, thereby ensuring liquidity of the funds invested in the real estate 10, You can activate the game.

However, in order for home securities to have reliability as a means of settlement or payment, the value of the housing securities must be maintained constant, but the value of the real estate 10 is continuously fluctuated, The value of the non-resident stake, which guarantees the value of the housing securities, is lowered. As a result, the price of the housing securities falls below the issuance price.

Therefore, in order to prevent the decline in the value of the housing securities due to the drop in the price of the real estate 10, the service operator 50 receives the market information from the real estate evaluation agency 30, The loss of the non-resident stake due to the drop in the price of the real estate 10 is partially removed from the housing stake of the user 11 so that the value of the non-resident stake, which is the basis for issuing the housing securities, It can support to keep it constant.

In addition, the present invention can restore the stakes used for the preservation of the non-resident stake to the residential stake if the price of the non-resident stake becomes equal to or higher than the issuance price of the housing securities when the price of the real estate 10 rises.

In this case, if the price of real estate (10) rises without a history of preservation of non-resident stake, it may not adjust the stake because the value of housing securities is higher than the issuance value and becomes a factor of increase in demand.

On the other hand, the service operator 50 uses the home security as the primary currency to support the home security so that the home security can be paid at the purchase price or the sales price at the time of the transaction for the goods including various goods or services ). ≪ / RTI >

Accordingly, the service operator 50 can provide the housing securities for various purposes such as living expenses for purchasing various goods while guaranteeing the residence rights of the user 11 through the housing stake of the user 11 Thereby enabling the funds invested in the real estate 10 to have liquidity through the market corresponding to the joint pool service 40.

In addition, the service operator 50 assists the user 11 to use the housing securities as the living expenses while securing the residence rights for the housing, thereby lending the income (income) obtained by the user 11 through labor or external investment (10) to reduce the interest burden or to invest in a fund investor (80) or a joint venture (40) invested company (90) to make a profit. .

At this time, the service operator 50 interlocks with the financial institution (financial company) 60 and the trust company (trustee company) 20 that have paid the user 11 to the loan 11 so that the user 11 transfers the loan to the financial institution 60 It is possible to increase the disposable income of the user 11 by issuing a new housing security corresponding to the repayment amount to the user 11 and paying the common pool service 40 through the trust service company 20 It is possible not only to induce the active participation of the user 11 in the market provided but also to reduce the interest burden of the user 11 due to the repayment of the loan to the user 11 only by the simple loan repayment .

The service operator 50 may set a cash account in correspondence with the user 11 or set a cash account corresponding to the service operator 50. In addition, The cash deposited in the cash account of the operating company 50 or deposited in the cash account of the user 11 through the settlement procedure for the housing securities and the cash entered into the service operator 50 to the cash pool service 40 The user can use the money to invest in the target company or purchase the commodity of the seller who is not loyal to participation in the market providing the joint pool service 40 to support transactions for various commodities in the joint pool service 40, And the like.

In addition, the service operator 50 sells various commodities purchased through cash to the joint pool service 40 in addition to securing the cash through the above-mentioned profit generation, thereby securing the liquidity and the repayment of the housing securities and stability as the nominal money, Joint full-service (40) Increases attractiveness to the relevant market, thereby encouraging the continued participation of sellers and users, thereby continuously expanding the market size, and at the same time, It is possible to persuade the seller of the attractiveness of the market by providing the information related to the consumer who has the ability to purchase the product, thereby allowing many sellers to actively participate in the market.

Accordingly, the service operator 50 can continuously and stably expand the market size of the joint pool service 40 based on the housing securities.

Particularly, the service operator 50 purchases the goods of the external market which are not provided in the joint pool service 40 in cash, and receives the sale price as the housing securities by making a profit when selling the goods, Can also generate sustained profit.

1, the owner 11 applies for the management trust by using the residence of the house 10 and the non-resident stake as the beneficiary of the trust company 20, and in the case of the non-resident stake, This is an example of how to issue securities after issuing securities and issuing them. However, in this case, since the owner (11) requests the trustee (20) to issue the management trust and the beneficiary certificate to the non-resident stake, the fee is double and the fee for the issuance of the beneficiary certificate is high. In addition, housing securities are used for various purposes through a joint pool service (40), and since such housing securities are distributed among various users, their shares are finely divided and distributed. As a result, There is a problem that much effort and cost may be incurred in performing each time.

Therefore, as shown in FIG. 2, the owner 11 submits the management trust to the trustee 20 with the beneficial owner of the residence in the house 10, and the service operator 50 And the beneficiary of the non-resident stake that the service operator 50 is entrusted to the trust company 20 is referred to as the owner 11 of the corresponding house 10 to transfer the trust to the management trust 50 And applies a method of making a request to the owner 11 to deposit the value of the housing value corresponding to the corresponding non-resident stake in the housing value account opened to the owner 11 (as described in FIG. 1) And can be adjusted).

If the beneficiary of the non-resident stake is the original homeowner (11) and applies for the management trust to the trust company, the homeowner (11) can be assured of his or her non-resident consignment security, It is possible to use an amount that can be used in the public pool 40 instead of the issuance as the value of the home value account and the entrustor of the non-resident stake of all the houses 10, that is, the consigned owner becomes the service operator 50, (Which corresponds to a real stake linked to the actual non-resident stake) is distributed, there is no need to change the trust.

The value of the non-resident stake is linked to the actual non-resident stake. For example, 1 in the account may be equivalent to 1 won of the non-resident stake, and 500 million won in the non-resident stake of 1 billion won , The value of the non-resident equity is 500 million (units used in coin pools such as coins and pools), and each amount can be matched to non-resident equity. In other words, the amount 1 to be paid for the value of a house can be equivalent to a real one of about 1/500 million of a real house, and it corresponds to a simple virtual currency or a cryptic currency, another ordinary currency or a real interest. It is totally different from the unstable distribution system by the value.

Hereinafter, we will explain how to maintain a specific stake value, settlement method, and joint pool service to provide such a joint pool service. As described above, the housing (10) is divided into a residential area and a non-resident stake. The non-resident stake can be distributed through a housing value deposit by a home security or a consignment. The convenience of explanation and intuitive service For example, we use housing securities as an example. However, whether to use housing securities or non-residential equity value by non-resident stake consignment can be selected based on housing securities because designers can choose implementation convenience, reliability, trust fee reduction, and simplification of trust change registration This can be implemented by replacing the value of the housing value by the non-resident equity trust. Also, a housing securities account can be considered to be the same as a home value account.

On the other hand, the target for non-resident stake distribution can be described as a non-resident stake that covers 'housing securities' and 'value of housing value'.

The detailed construction of a real estate joint pool service system according to an embodiment of the present invention will be described below with reference to the drawings.

FIG. 3 is a configuration diagram of a service system 100 corresponding to a service operator in a real estate joint pool full service system according to an embodiment of the present invention, and FIG. 4 is a configuration diagram of a real estate joint full service system according to an embodiment of the present invention .

3, the service system 100 may include a service server 110 and a DB unit 120. The DB unit 120 may be included in the service server 110, .

4, the service server 110 of the service system 100 evaluates the real estate through the communication network 45 and communicates with the external server 31 corresponding to the real estate evaluation agency providing the market information And can communicate with the financial company server 61, which provides a financial loan to the user, via the communication network 45.

The service server 110 can communicate with the trust fund server 21 corresponding to the trust company through the communication network 45 and can communicate with the user terminal 12 And the user terminal 13 of the user who holds the housing securities.

At this time, the user terminal 12 having a residential stake and the user terminal 13 of a user having a home security may be terminals for the same user or terminals corresponding to different users.

The service server 110 can communicate with the seller terminal 71 of the seller who sells goods including goods or services through the communication network 45 via the communication network 45, And can communicate with the investment target company terminal 91 of the investment target company through the communication network 45. [

In addition, the external server 31 may transmit the quotation information on the market price of the house to the service server 110.

In addition, the trust fund server 21 stores the housing of the user who trusts the house in a predetermined ratio of shares or a proportion of shares according to a contract with the user, It is possible to divide it into remaining shares that are non-resident stakes for issuance of the home securities, and issue a plurality of housing securities in accordance with the total issued amount of the home securities in correspondence with the remaining stakes.

In addition, the trust fund server 21 generates equity information for the equity ratio of the housing stake of the house and the remaining equity, generates the housing trust information for the plurality of housing securities issued corresponding to the remaining equity, The service server 110 may transmit the equity information and the home trust information generated according to the issuance of the housing security to the home.

At this time, the home trust information may include the issuance price (or the issuance price, the issued face value) of the housing securities, the number of issued housing securities, housing information to be collateralized by the housing securities, and trustee information about the user who trusts the housing , The housing information may include various pieces of information such as identification information (for example, address or unique code) of a house, a land share, a dedicated area, and the like.

In addition, the equity information may include an equity ratio with respect to the ratio of the remaining equity interest to the housing equity, an evaluation value (value) corresponding to the residential equity, an evaluation value (value) corresponding to the remaining equity, and the like.

At this time, the equity information includes the debt amount corresponding to the loan and the valuation amount corresponding to the corresponding debt amount in the case where the housing borrows the loan from the borrower, and the remaining amount excluding the housing portion and the debt portion and the residential portion and the debt portion The ratio between stakes can be included.

Accordingly, the service server 110 can match the home trust information and the equity information when receiving the home trust information and the equity information, and store the same in the housing information DB.

The service server 110 may communicate with the user terminal 12 of the user trusting the trust company and open an account according to the account opening request information of the user terminal 12, It is possible to generate the securities account information for the corresponding securities account and store the user's securities account information in the securities account DB.

Also, the service server 110 generates housing security information for each of the plurality of housing related securities issued corresponding to the user based on the home trust information, and stores the trust information of the home trust information The security account information corresponding to the user in accordance with the trustee information, stores the plurality of housing securities information in the user's securities account information, and transmits the plurality of home securities to the user's securities It is possible to register a plurality of home securities issued in correspondence with the user's home in the user's securities account.

Accordingly, the service server 110 generates housing securities information for using the housing securities used as the main currency according to the home trust information through the communication network 45, and transmits the housing securities information to the user's securities account Information so that the housing securities are received in the user's securities account so that the user can receive the housing securities.

At this time, the housing securities information includes unique identification information of the home securities issued through the trust company in accordance with the home trust information, house identification information on a house to be collateralized by the housing securities, And the trustee information, and the service server 110 may generate each of the plurality of housing securities issued corresponding to the user's home as the housing securities information.

In addition, the service server 110 may set the issuance price of the housing securities in connection with the trust fund server 21, and may include the issuance price in the housing securities information. At this time, the service server 110 may set the issuance price of all the home securities at the same price (or value).

The service server 110 processes the housing securities using the housing securities information and securities account information. Hereinafter, the housing securities information will be described as housing securities and the securities account information will be described as a securities account.

On the other hand, the service server 110 uses the home security as the primary currency, and performs a transaction using the home security so that the user can purchase the goods of the seller who sells goods such as goods or services using the home security And may transmit market information on the joint pool service to the user terminal 12 and the seller terminal 71 of the seller.

At this time, the service server 110 can communicate with a plurality of different user terminals 12 and a plurality of different seller terminals 71 through a communication network 45.

In addition, the service server 110 may provide the market information as a web site composed of a plurality of web pages, for example, as a market information related to a shopping mall.

At this time, the service server 110 may include a separate product DB storing product information of the seller and the website related information.

Accordingly, when the service server 110 receives the purchase information for purchasing the merchandise from the user terminal 12 connected to the web site, the service server 110 receives the purchase information from the user's securities account of the user One or more housing securities corresponding to the purchased amount (equivalent or equal in value) can be extracted.

Also, the service server 110 may generate the securities account information of the seller in correspondence with the seller, store the securities account information in the securities account DB, and store the one or more home securities extracted corresponding to the purchase information in the securities account of the seller (Purchase price or sales price) of the purchased product to the seller through the home security by storing and purchasing it.

That is, the service server 110 transfers one or more housing securities corresponding to the sales price (purchase price) to the securities account of the seller from the user's securities account, and completes the merchandise transaction processing .

Through the above-described structure, the present invention allows a user to trust a house to a trust company to occupy the house through the housing stake of the house, and to use the remaining stake in the housing, excluding the housing stake, And provides the housing securities that are placed in the user's account to be used to purchase the goods or services of the seller, thereby securing the liquidity of the funds invested in the real estate, and at the same time, .

In addition, the present invention provides a new joint pool service related market in which housing securities issued on the basis of housing are used for commodity trading between a user and a seller, so that a user can use some of the investment funds of the real estate for the purpose of living expenses , It is possible to secure funds for the income earned by the users other than the investment funds, and at the same time, to prevent the funds from being concentrated on the real estate, the utilization of the users' funds can be greatly improved.

Meanwhile, although the embodiment has been described based on the housing securities, it can be configured to provide the same function by using the value of the non-residential stake housing value and the value of the housing value account by the non-resident stake trust.

3, the service server 110 may include a service server 110 and a DB unit 120. The service server 110 may include a service server 110, 110 may include a trust server interlocking unit, a real estate evaluation information confirmation unit, a housing securities management unit, an equity adjustment unit, an alarm unit, an interface unit, a debt payment processing unit, a securities account replacement unit, a marketing information processing unit, a cash management unit, . ≪ / RTI >

At this time, the service server 110 may include a controller for controlling each component of the service server 110. At least one of the components of the service server 110 may be included in the controller, All the components of the service server 110 may be configured as a control unit.

Also, the control unit may include a RAM, a ROM, a CPU, a GPU, and a bus, and the RAM, the ROM, the CPU, and the GPU may be connected to each other via a bus. The CPU can access the storage unit separately configured in the service server 110 or configured in the control unit, perform booting using the O / S stored in the storage unit, and can store various programs, contents, data, Can be used to perform various operations described in the present invention

The service server 110 may operate in conjunction with the DB unit 120. The DB unit 120 may include a securities account DB, a cash account DB, a housing information DB, a user DB, and a seller DB .

At this time, the DB unit 120 may be configured in the service server 110.

The control unit can communicate with the user terminal 12 and the seller terminal 71 via the interface unit.

Also, the control unit may provide user information, seller information, and goods or service related goods information that the seller has received through the interface unit to the registration unit. The registration unit stores the user information in the user DB, And merchandise-related merchandise-related goods information and the like that are sold by the seller.

In addition, the control unit provides the account opening request information to the registration unit upon receipt of the account opening request information for the account opening request from the user terminal 12 and the seller terminal 71, and the registering unit provides the account opening request The account information corresponding to the user or the seller can be generated and registered in the securities account DB or the cash account DB.

At this time, if the account opening request information is a request for opening a securities account, the control unit may generate and store the securities account information in the securities account DB, and the account opening request information may be a request for opening a cash account The cash account information can be generated and registered in the cash account DB and stored.

Accordingly, the control unit can open and register a cash account and a securities account for each user in cooperation with the registration unit, and open and register a cash account and a securities account for each seller.

The trust server interworking unit may receive the home trust information and the equity information related to the home trust entrusted by the user from the trust fund server 21 and may provide the home trust information and the equity interest information to the control unit and the control unit may match the home trust information and the equity information, House information DB.

In addition, the real estate evaluation information confirmation unit may communicate with the external server 31 to receive the current time information on the user's home and provide the current time information to the control unit, The home trust information and the equity information corresponding to the user's home.

Also, the control unit may provide the home trust information to the housing securities management unit when receiving the home trust information, and the housing securities management unit may correspond to each of the plurality of home securities issued in correspondence with the user's home based on the home trust information And storing the plurality of housing securities information in the securities account DB in the securities account DB corresponding to the home trust information in the securities account database to store the plurality of housing securities information in the securities account DB, House securities issued in correspondence with the home can be put into the user's securities account.

At this time, the controller may store the plurality of housing securities information in the securities account information of the user.

Also, the control unit may continuously update the user housing related ticker information stored in the housing information DB based on the user housing related ticker information provided periodically or in real time from the property evaluation information confirmation unit.

The controller controls various operations of the service server 110 described in the present invention. For example, the controller controls the operation of the service server 110 according to the issuance price of the housing securities preset in changing the price of the home based on the ticker information and the home trust information. The housing stake and the equity ratio of the equity information may be updated so that the remaining equity is maintained.

At this time, the equity adjustment unit receives the control information for updating the equity stake and the equity ratio of the equity information from the control unit, and based on the control information, the equity information corresponding to the control information in the housing information DB, And can be updated with the share of equity and the share of equity according to the information.

Also, the control unit updates the equity information according to the decrease in the house price, and if the remaining equity interest is partially held in the housing stake, the control unit generates the maintenance history information for the housing stake and matches the housing trust information and the equity information House information DB.

When the price of the real estate rises and the value of the remaining equity rises based on the ticker information received from the external server 31 after the maintenance according to the maintenance history information is performed, the control unit interlocks with the equity adjustment unit If the present value exceeds the issuance price of the housing securities in accordance with the home trust information, the value of the present value and the issuance price The remaining equity interest corresponding to the difference may be deducted from the remaining equity and the remaining equity interest deducted from the remaining equity may be returned to the residential equity.

At this time, the controller may set the difference amount used for the maintenance of the remaining equity in the housing as the residential equity, and adjust the equity ratio of the housing at each time of restoration to renew the equity interest. Update can be performed.

In addition, the control unit may subtract the restored share from the preservation stake used for the preservation of the remaining stake based on the maintenance history information, and may delete the maintenance history information if the saved stake is all deducted.

Also, when the price of the real estate is increased without the maintenance history of the non-resident stake or without the preservation stake, the control section may not adjust the stake since the value of the housing securities is higher than the issuance value and becomes a factor of increasing the demand.

Also, the controller may check the user's equity information in the housing information DB, and if the residential equity ratio (the ratio of the housing equity) corresponding to the residential equity in the current equity ratio updated in the equity ratio is equal to or less than a predetermined reference value, It is possible to generate notification information (or alarm information) for notifying the user terminal 12 of the lack of the housing stake and provide the alarm information.

At this time, the alarm unit may transmit the notification information to the user terminal 12.

Also, the control unit may set different reference values and announcement information in advance according to predetermined steps, compare the stepwise reference value and the residential equity ratio, and generate notification information corresponding to each step each time the housing equity ratio falls below the stepwise reference value To the user terminal 12 through the alarm unit.

Accordingly, the control unit classifies the degree of risk due to the reduction of the housing stake in stages, and provides preset notification information corresponding to the step corresponding to each step, so that the user can obtain the necessity of securing the housing stake As shown in FIG.

In addition, the controller may provide market information on the public pool service-related market to the user terminal 12 and the seller terminal 71 through the interface unit, and may interoperate with the housing securities management unit, The home security may be moved (transferred) between the user's securities account and the seller's securities account according to the user's purchase of the merchandise of the seller of the seller.

In addition, the controller may relay the transaction between the user terminal 12 and the seller terminal 71, and may receive the user's payment information corresponding to the user's home The share ratio according to the equity information can be updated.

Meanwhile, the control unit can receive the home trust information including the loan information from the trust company server 21 of the trust company when the user who has borrowed the loan and bought the real estate trusts the real estate to the trust company.

In other words, the trust fund server 21 sets the remaining stake, excluding the housing stake corresponding to the housing stake of the user and the debt stake corresponding to the loan, as the stake subject to the issuance of the housing securities, And may provide the service trust server 110 with the home trust information and the equity information.

At this time, the equity information may include the equity ratio between the residential equity, the non-resident equity and the debt equity, and the equity valuation amount for the residential equity, the non-resident equity and the debt equity.

In addition, the control unit of the service server 110 receives the home trust information including the loan information through the trust server interworking unit, and stores the remaining interests excluding the debt equity and the housing equity corresponding to the user in a plurality of housing securities And then registers it in the user's securities account.

At this time, if the user repays a part of the loan corresponding to the debt stake to the financial institution, the financial company server 61 can transmit the reimbursement information of the user's reimbursement to the service server 110. [

In addition, the control unit of the service server 110 may receive the reimbursement information from the financial company server 61 through the interface unit and provide the reimbursement information to the debt reimbursement processing unit, and the debt reimbursement processing unit may include a user identification Based on the information, the home trust information and the equity information corresponding to the user can be confirmed in the housing information DB.

Also, the debt redemption processing unit may calculate the redemption amount corresponding to the redemption amount according to the redemption information, subtract the redemption amount from the redemption amount based on the redemption amount, generate the new redemption stock corresponding to the redemption amount It can be registered in the securities account of the user stored in the securities account DB.

Also, the debt redemption processing unit, in cooperation with the equity adjustment unit, deducts the repayment amount due to the user's debt repayment from the debt stock, adjusts the equity ratio based on the equity information by adding the repayment amount to the remaining equity interest in the housing stock .

At this time, the trust fund server 21 receives the reimbursement information from the financial company server 61, calculates the repayment amount based on the reimbursement information based on the reimbursement information, issues the new home securities according to the reimbursement equity, The home equity trust information and the equity information corresponding to the user's home are updated according to the reflection of the redemption information and the updated home trust information and equity interest information And may provide information to the service server 110.

Accordingly, the control unit of the service server 110 updates existing home trust information and existing equity information corresponding to the user's home stored in the home information DB based on the updated home trust information and the equity information according to the redemption information And may generate a new home security according to the updated home trust information and put it in the stock account of the user.

Meanwhile, when the user requests the cash transfer for the cash account of the user registered in the service server 110 for the collection of the home security, the financial company server 61 transmits the user's cash account to the service server 110 Transfer information for transferring the cash requested by the user to the cash account to the service server 110.

The control unit of the service server 110 provides the transfer information to the cash management unit upon receipt of the transfer information through the interface unit. The cash management unit registers the cash corresponding to the transfer information in the cash account of the user, can do.

In addition, when receiving the collection request information for collecting one or more housing securities corresponding to the user's home from the user terminal 12, the control unit receives the collection request information from the user terminal 12, And a holder (hereinafter referred to as a " seller ") who holds a home security corresponding to the user's home corresponding to the collection request corresponding to the collection request information based on the extracted collection account information The selling request information for inquiring whether or not to sell the housing securities to the holder terminal of the user (seller, other user, seller).

Also, the control unit may receive the response information from the holder terminal in correspondence with the sales request information, and based on the response information, the number of times that the seller or seller who is consenting to sell the housing securities holds The cash settlement amount is calculated by purchasing one or more housing securities as a target from the stock dealer, and in cooperation with the cash handling unit, cash corresponding to the settlement amount is withdrawn from the cash account of the user, You can transfer the money to the cash account and complete the settlement of the sale price of the housing securities.

At this time, the cash account used in the cash transfer processing of the service server 110 according to the present invention can be processed based on the cash account information, and the cash information on the transfer cash (or the transfer amount) Can be stored and transferred.

In addition, the control unit, in conjunction with the housing securities management unit, may collect home securities to be collected from the securities account of the seller when the settlement is completed, transfer the home securities to the user's securities account, and may set the collected home securities as residential shares.

In addition, the control unit calculates the value of one or more home securities recovered each time the user secures the housing stake, the home securities being the object of collection from the accounts of the different sellers in the account of the user as the housing stake, (Adding) an additional residential stake based on the value of the returned home security to an existing residential stake based on the housing-related stake information of the user stored in the housing information DB, and adding (adding) To adjust the residential equity and shareholding ratios.

In addition, the control unit may transmit the equity information to the trust officer server 21 at the time of updating the equity information, so that the trust fund server 21 transmits the equity information when receiving the equity information from the service server 110 It is possible to update the existing equity information based on the information provided by the trust company.

Meanwhile, the control unit creates a representative cash account and a representative securities account corresponding to the service operator through the registration unit, generates representative cash account information and representative securities account information corresponding thereto, and then registers the representative cash account and the representative securities account information in the security account DB and the cash account DB And store it.

In addition, the control unit may receive settlement request information for collecting and clearing housing securities corresponding to the user's house held by the seller in order to acquire the housing stake from the user terminal 12 through the interface unit or to settle the circulating housing securities .

In addition, the control unit identifies the settlement amount for one or more housing securities that the user desires to withdraw and settle on the basis of the settlement request information, determines whether the liquidation cash corresponding to the settlement amount exists in the user's cash account, , It is possible to identify one or more holders holding housing securities corresponding to the user's home in the securities account DB.

At this time, the control unit may store the virtual housing security information for the virtual home security corresponding to the home security on the basis of the issuance price and the house identification information of the home security according to the home trust information of the user corresponding to the liquidation request information One or more virtual home equity securities may be generated according to the clearing amount, and one or more virtual home securities information may be provided to the securities bank substitution unit.

In addition, the securities account substitution unit may identify an account of a securities holder having a housing security for a house corresponding to the virtual housing securities information among the securities accounts of the seller or other users in the securities account DB, House housing securities of the user may be extracted from the account information for each of the selected holders and transferred to the user's securities account, and the extracted home securities may be replaced with virtual home securities according to the virtual home securities information.

That is, the securities account substitution unit may place the virtual home securities in the account of the selective holder instead of the extracted home securities.

At this time, the control unit may generate and store a plurality of virtual home securities in advance in the representative securities account in cooperation with the stock account substitution unit, and may use the pre-stored virtual home security for the replacement of the extracted home security.

In addition, when the at least one home security corresponding to the settlement amount replaced with the virtual home security is transferred to the user in cooperation with the securities account replacing unit, the control unit transfers the liquidation cash corresponding to the clearing amount from the user's cash account to the service operator Transfer to the representative cash account.

Accordingly, the control unit transfers the cash held in the representative cash account to the account corresponding to the investment target company according to input information received through the interface unit from the manager of the service operator or control information received from the external apparatus The user may make an investment in an investment target company participating in the market according to the common pool service or purchase goods in an external market other than the market according to the common pool service, And transmits the product information included in the market information to the user terminal 12 or the seller terminal 71 so that the user or the seller can purchase goods in the external market through the public pool service market .

Also, the control unit may sell the goods purchased in the external market registered in the seller DB with the profit through the joint pool service related market, and sell the goods purchased in the external market in the joint pool service related market If the home securities are received as sales proceeds, they can be entered into the representative securities account corresponding to the service operator.

In addition, the control unit may issue the issuance status information including the issuance status of the virtual home security and the account information of the selective holder that the home security has been replaced with the virtual home security, from the securities account DB to the representative securities account information of the service operator Can be stored.

Accordingly, the securities account substitution unit confirms the representative securities account and the issuance status information of the service operator, and transmits the same information to the representative securities account, If the corresponding specific home security exists, transfers the specific home security corresponding to the virtual home security included in the security account of the selective holder from the representative securities account to the security account of the selection holder based on the issuance status information, It is possible to return the residential security to the selected holder by replacing the residential securities with the specific residential securities and to temporarily return the residential securities to the selective holder.

According to the above-described configuration, the present invention can support the service operator to use the cash paid by the user for the settlement of the home securities to make profits by investing and purchasing goods in the external market, and at the same time, The home securities are temporarily rented from the account of the seller holding the home securities to the users, the sales proceeds of the products purchased from the external market are received as housing securities, and the housing securities are rented from the seller In the case of housing securities, the service operator can utilize the cash that has been paid by the user for various investment purposes since the housing securities for the same house as the securities can be returned to the seller, In addition to the creation of products, The market attractiveness can be enhanced by offering various products that can be purchased as housing securities by selling through service-related markets.

In addition, the marketing information processing unit of the service server 110 may receive a marketing request from the seller terminal 71 based on a plurality of pieces of user information stored in the user DB in association with users participating in the joint pool service related market And transmits the received advertisement information to the user terminal 12 participating in the market to support marketing related to the merchandise of the seller.

In addition, the marketing information processing unit generates analytical information on the analysis of the purchase demand related to the merchandise of the seller and the analysis of the competitive seller that sells the same kind of merchandise, to a plurality of market participants including the user and the seller To the seller terminal 71. It is possible to induce a large number of users and sellers to actively participate in the market by increasing market attractiveness through providing marketing information including the advertisement information and analysis information, Can be continuously increased.

Meanwhile, in the above-mentioned configuration, the control unit stores the website related information composed of a plurality of web pages for providing the merchandise information of the seller of the seller stored in the seller DB or the merchandise information of the goods purchased from the external market to the seller DB And transmits the website related information to the user terminal 12 and the seller terminal 71 as the joint pool service related market information.

Accordingly, the service server 110 can support the user to purchase various goods in the seller and the external market through the joint pool service related market.

Various operation examples of the service server 110 based on the above-described configuration of the service server 110 and the real-estate joint full service system will be described with reference to the drawings.

Meanwhile, the real estate joint pool full service system according to the present invention can provide a structure for preventing the reliability of the market when the value of the house securities declines due to the decline of the house price. Therefore, Will be described with reference to FIGS. 5 to 7. FIG.

As described above, the service server 110 can receive, from the external server 31 corresponding to the real estate evaluation agency, the market information on the house corresponding to the home trust information stored in the housing information DB, The information can be stored in the housing information database by matching with the corresponding home trust information.

In addition, the service server 110 may compare a home price at the time of a home trust with a home price according to the ticketing information based on the housing information included in the home trust information.

In this case, if the current price of the house falls below the house price at the time of the trust, the value of the housing securities (valuation amount) is eroded and falls, and the value of the house security paid to the seller A problem occurs.

For example, as shown in FIG. 5 (a), the residential stake of 30% of the total stake based on the evaluation value of the housing and the remaining stake of 3: 7% of the housing stake which accounts for 70% 5 (b), if the price of the house is lowered as shown in FIG. 5 (b), if the price of the house due to the price drop is adjusted again to the ratio of 3: 7, The remaining stake in housing securities will drop from 70% to 56%.

Accordingly, if the remaining 56% of the shares are divided into the number of issued housing securities by the remaining stake, which accounts for 70% of the price before the housing price declines, the value of the individual housing securities issued for the housing is less than the value of the issuer .

As a result, the seller who receives payment of the sale price as the home securities is not only liable for the loss but also the value of the home securities of different houses is evaluated differently according to the price fluctuation of each house, .

Therefore, if the service server 110 of the service system 100 issues a decrease in the house price so that the value of the issuance price of the house securities is maintained, the service server 110 of the service system 100 can calculate the equity value corresponding to the decrease in the house price, So that the value of the housing securities can be maintained.

More specifically, when the price of the user's home is lowered on the basis of the rent information and the housing information according to the home trust information received from the external server 31, the service server 110 searches the housing trust corresponding to the user's home Information can be extracted from the housing information DB.

Also, the service server 110 updates the residential stake and the equity ratio of the equity information so that the remaining equity based on the issuance price of the housing securities set in advance is maintained based on the home trust information extracted from the housing information DB .

At this time, the service server 110 may transmit the updated equity information to the taxpayer server 21.

Also, as shown in FIG. 6, the service server 110 determines whether the ratio of the residential stake corresponding to the residential stake (residential stake ratio) to the current stake ratio updated in the stake ratio is less than or equal to a preset reference value, 12 to inform the lack of the residential stake.

Accordingly, the user terminal 12 can secure the residential stake by transmitting the collection request information to the service server 110 as described above, and the service server 110 can acquire the residential stake based on the collection request information It is possible to update the equity information according to the time and to provide the updated equity information to the assisting agent server 21.

For example, as shown in FIG. 7, the service server 110 calculates the ratio of the remaining equity interest of the housing having the value (valuation amount) of 100 to the ratio of 3: If the price of the house falls from 100 to 80 as described above, the total value of the housing is 80, and the value of the remaining value of the remaining equity is lowered to 70 Down.

Accordingly, in order to maintain the value of the housing securities, the service server 110 allocates a part of the housing stake to the remaining stake so that the value of the remaining stake of the housing can be maintained, It is possible to maintain the valuation amount of the equity and reduce the valuation amount of the residential equity by the provision corresponding to the remaining equity, calculate the equity ratio of the remaining equity relative to the housing equity due to the decrease of the housing equity, It is possible to update the existing stake ratio based on the stake information as the stake ratio.

That is, as shown in FIG. 7, the service server 110 calculates the value of the remaining equity interest so that 70 is maintained when the remaining equity value of 70 is lowered to 56, (14) from the housing stake and reduce the housing stake by the amount of the remaining stake (the declining value of the remaining stake).

Accordingly, the service server 110 can update the equity information by setting 10 as a residential share and 70 as a remaining equity with respect to the total valuation amount 80 of a housing where a price drop has occurred, The share ratio of the equity interest in the housing can be updated and adjusted to 12.5: 87.5 by calculating the equity ratio of the remaining equity interest to the housing equity due to the change of the remaining equity.

Accordingly, the service server 110 can update and store the equity information of the home trust information corresponding to the house stored in the housing information DB at the time of updating the equity information of the house, (21).

On the other hand, when the service server 110 updates the equity information in accordance with the decrease in the house price and the price of the real estate increases after the remaining portion of the housing stake is held in the remaining stake corresponding to the non-resident stake, If the present value exceeds the issuance price of the housing securities in accordance with the home trust information, the value of the present value and the issuance price The remaining equity interest corresponding to the difference may be deducted from the remaining equity and the equity interest deducted from the remaining equity may be restored to the residential equity.

At this time, the service server 110 may set the equity used for the maintenance of the remaining stake in the housing as the stake, adjust the stake ratio in the housing to restore the stake, and update the stake information Can be performed.

In addition, if the price of the real estate rises without the maintenance history of the non-resident stake, the service server 110 may not adjust the stakes since the value of the housing securities is higher than the issuance price and becomes a factor of increasing the demand.

According to the above-described configuration, the present invention allows a user to trust a house to a trust company to occupy the house through the housing stake of the house, and to utilize the remaining stake in the housing, excluding the housing stake, And provides the housing securities that are placed in the user's account to be used to purchase the goods or services of the seller, thereby securing the liquidity of the funds invested in the real estate, and at the same time, In addition, it is possible to increase the stability and credibility of home securities as the main currency by maintaining the value of the housing securities by making adjustments to the housing stakes while maintaining the remaining stakes to secure the housing securities when the value of the housing declines. have.

Also, the present invention assists the adjustment of the equity ratio according to the change of the house price, and assures the value of the home securities used in the market, thereby assuring the reliability and stability of the market.

Meanwhile, when the user leases a trusty house through a lease agreement or the like, the trust company may set a portion corresponding to the lease of the user's lease as a share of the trust beneficiary corresponding to the tenant, Accordingly, the trust fund server 21 can provide the service server 110 with the equity information on the equity change due to the lease.

Accordingly, the service server 110 can update the equity information stored in the housing information DB based on the equity information received from the trust fund server 21, and based on the updated equity information, In the case of a preset reference value or less, the equity adjustment can be performed, which will be described in detail with reference to FIG.

8 (a), the control unit of the service server 110, when the user having the residential equity ratio of 30% leases the house, receives the equity interest in the lease from the service provider server 21 The existing equity information stored in the housing information DB can be updated by receiving the equity information for the change.

As shown in FIG. 8 (b), on the basis of the most recent equity information according to the equity change, the control unit allocates a part of the user's housing stake to the trust beneficiary (the tenant) If the ratio is less than or equal to a predetermined reference value, the notification information may be transmitted to the user so as to secure a residential stake. In this case, as shown in FIG. 8C, , It is possible to induce the ratio of the residential stake at the time of issuance of the housing securities to be maintained.

FIGS. 9 to 11 are diagrams for illustrating the process of converting a home security according to a user's debt repayment of the service system 100 according to an embodiment of the present invention.

9, when the service server 110 of the service system 100 trusts a house in which a user who has borrowed a part of home buying funds from a financial institution trusts a house bought in the trust company, The home trust information and the equity information reflecting the loan can be received.

10 (a), the trust company can divide the entire stake in the house into the housing stake, the debt stake corresponding to the loan, and the remaining stake. The trust company server 21 stores the housing stake The home equity trust information and the equity information for the housing, which is composed of the debt equity and the remaining equity, to the service server 110.

In addition, the service server 110 may store the home trust information and the equity information in the housing information DB. When a user who has a residential stake in the home repays a part or all of the loan to the financial institution, The payment server 61 may generate reimbursement-related reimbursement information for the reimbursed amount of the loan from the user's home, and provide the reimbursement-related reimbursement information to the service server 110 and the trust fund server 21 of the service system 100.

At this time, the redemption information may include house identification information, user information, loan information, residual loan information, reimbursement information, and the like.

Accordingly, as shown in FIG. 10 (b), the trust fund server 21 extracts the equity information stored in advance in association with the housing corresponding to the redemption information based on the redemption information, It is possible to reduce the repayment stake corresponding to the repayment amount according to the information from the debt stake and to increase the non-standing stake by adding the repayment stake to the remaining stake for issuing the housing securities.

In addition, the trust fund server 21 can adjust and update the stakes based on the existing equity information stored in advance in association with the user's house according to the debt equity and the non-resident equity changed according to the repayment equity.

Also, the trust fund server 21 may newly issue one or more housing securities corresponding to the evaluation value of the repayment equity, corresponding to the user's house, and the home trust information and the renewed equity interest Information to the service server 110.

Accordingly, the service server 110 stores the home trust information and the equity information received from the trust fund server 21 on the basis of the debt payment of the user, The method comprising: generating at least one new housing securities information corresponding to one or more newly issued housing securities based on the housing trust information based on the housing trust information; It can be included in the user's securities account information.

Accordingly, the service server 110 can pay the newly issued home security to the user's securities account by paying back the debt of the user.

According to the above-described configuration, as shown in FIG. 11, the service system 100 increases the non-resident stance corresponding to the housing securities by the reduced stake in the debt in accordance with the user's debt repayment, , Which can be used in a joint pool service market, by increasing the user's disposable income by simply redeeming the user's debt, and at the same time, decreasing the user's loan interest due to the decrease in debt. .

In addition, the service system 100 supports the increase of the disposable income of the user through the housing securities, so that the user can secure the living funds through the ownership of the housing and the housing securities through the housing stake, It is possible to provide the funds to invest and operate the acquired income through the financial institution or the fund management company, and thereby it is possible to dramatically improve the user's financial operation.

In addition, the service system 100 allows home securities newly issued through a trust company to be continuously introduced into a joint pool service market whenever a user repays a loan, , Which can be used to expand the size of the market, while at the same time reducing domestic debt by repaying users' debt, thereby stimulating the domestic economy.

FIG. 12 is a diagram illustrating an operation of expanding a market for a joint pool service of a service system 100 according to an embodiment of the present invention. As shown in FIG. 12, In the full service market, as described above, cash may be continuously deposited into the representative cash account or the user's cash account designated by the service operator for clearing the user's home securities or securing the equity.

In addition, the service system 100 can use the cash accumulated in the corresponding cash account to purchase goods in the external market that are not sold in the joint pool service related market, (For example, a shopping mall) provided in the market.

At this time, when the service system 100 sells the goods purchased in the external market through the joint pool market, the service system 100 can receive the sales proceeds as housing securities and put them in the representative securities account, It is possible to provide a variety of products to be sold in the external market in addition to the products of the sellers participating in the market, and the size of the sales product can be continuously expanded.

In addition, the service system 100 can induce a user to continuously flow into the joint pool service-related market according to the expansion of the joint pool market due to diversification of sales products, The number of sellers participating in the joint full service related market can be increased by increasing the attractiveness of the joint full service related market to the seller who sells the product only in the external market.

13 is a diagram illustrating an example of a profit generation model according to the operation of cash generated according to the liquidation of the housing securities of the service system 100 according to the embodiment of the present invention. 110 may receive settlement request information for collecting and clearing house securities circulating in the market from a user terminal 12 of a user having a residential stake in the house as residential stake, Cash may be deposited into the representative cash account corresponding to the service operator.

Accordingly, upon receiving the settlement request information, the service server 110 selects at least one of the securities accounts of the seller holding the user's housing securities, and receives the housing securities corresponding to the user's home from the securities account of the selected seller A virtual home security for replacing the extracted home security may be generated and the virtual home security may be put into the seller's securities account instead of the extracted home security.

Accordingly, the service server 110 can complete the settlement procedure for the user by paying the user the home security extracted from the securities account of the selected seller corresponding to the clearing cash of the user.

At this time, the service server 110 may insert the extracted home security into the user's securities account corresponding to the clearing request information as described above, and may set the extracted home security as a residential share of the user, The extracted home securities are deleted in association with the trust fund server 21, the interest corresponding to the extracted home security is subtracted from the remaining equity, and the equity ratio according to the equity information corresponding to the user's home is adjusted The liquidation procedure can be completed.

Also, the service server 110 can use the liquidation cash deposited in the representative cash account to purchase the goods of the external market described above, and transmits the goods-related goods information purchased from the external market to a plurality of different user terminals 12 and the seller terminal 71 to sell a product purchased from the external market to a user or a seller participating in the joint pool service related market.

At this time, the service server 110 can receive the sales proceeds when selling the goods purchased from the external market as the housing securities of the houses corresponding to the virtual housing securities, and as described above, In the case where the home security is secured, the virtual home security can be replaced with the home security obtained through selling the product from the securities account of the seller having the virtual home security, and the home security temporarily rented to the seller can be returned.

In the above-described configuration, the service server 110 may sell a commodity purchased from the external market with a profit, and thereby, a plurality of housing securities corresponding to an amount more expensive than a purchase amount of the commodity purchased in the external market And can help the service operator to continuously make a profit.

For example, the service server 110 issues and maintains a virtual housing security corresponding to a cash value of 100 million, and transmits 10% (for example, 50 million won) of the housing securities to the housing A, If the buyer purchases cash, 10% of the securities account with the housing securities for the house A can be replaced with the virtual house securities and offered to the party.

That is, the service server 110 extracts a plurality of housing securities h1 corresponding to the house A from the securities account of the seller A having the housing securities corresponding to the house A, It is possible to replace each of the home securities h1 with the virtual home securities P1 existing in the representative securities account of the service server 110 and correspond to the housing A from the securities account of the seller B having the home securities corresponding to the home A And extracts a plurality of housing securities h2 extracted from the securities account of the seller B as virtual home securities P2 existing in the representative securities account of the service server 110 Can be replaced.

In addition, the service server 110 may pay a plurality of home securities (h1, h2) extracted from the securities account of the seller A and the seller B corresponding to 50 million won in the stock account of the user.

At this time, the service server 110 has 50 million won of virtual housing securities and 50 million won of cash, and provides 50 million won of cash to the salesperson who is reluctant to receive the housing securities, collects goods or services, If you sell a home equity securities of 60 million won with a slight profit to the participants of the joint pool through the market, you will have a plurality of home securities worth 60 million won and you can put them into the representative securities account.

In addition, the service server 110 may use a plurality of housing securities equivalent to 50 million won among a plurality of housing securities corresponding to 60 million won, and store the virtual housing securities in the securities accounts of the sellers A and B in which the virtual housing securities exist, And it will be possible to restore the virtual housing securities corresponding to the value of 100 million cash and to generate profits of KRW 10 million in housing securities.

At this time, the service server 110 can replace the virtual home securities existing in the securities account of the seller A and the seller B with the home securities of the house A originally owned by the sellers A and B, and restore them.

Through this, the service system 100 can expect profit by inducing the community pool activation, thereby lowering the joint pool operation fee.

In addition, if the service system 100 holds 10 million won of the housing securities corresponding to the profits generated in the above-described manner, if the user purchases cash for the specific home securities again, it extracts the housing securities from the seller's securities account It is possible to secure a wide range of operating funds and to secure diversification of revenue through the provision of the housing securities corresponding to the profits without any need and securing cash for the users as operating funds.

Meanwhile, as shown in FIG. 14, a user who has a residential stake in the home can receive various income such as earned income from the investment object registered in the service server 110 of the service system 100 participating in the common pool service- You can make money by investing in a business.

In this case, the investment target company may include various objects such as a corporation, a bank, and a fund. Investment in the invested company means various types of investment such as buying a stock or bond of a company, depositing a savings in a bank, buying a fund, can do.

At this time, the investment target server 200 of the investment target company can generate investment information when the investment funds of the user are deposited and transmit the investment information to the service server 110 of the service system 100, The settlement unit 110 transfers one or more housing securities to the user's securities account corresponding to the investment funds corresponding to the investment information among a plurality of housing securities held in the representative securities account corresponding to the investment information, Of the housing market.

Meanwhile, the service server 110 of the service system 100 can generate cash profit by investing cash secured through the operation of the housing securities as described above in the investment target company.

In addition, the service server 110 of the service system 100 may receive the investment description information from the investment target company participating in the joint pool service related market and store the investment description information in the seller DB, 12 and the seller terminal 71, respectively. Accordingly, the service server 110 can perform crowd funding for the investment target company on the user and the seller on behalf of the investment target company, and can perform crowd funding on the investment target company, The investment funds of the user and the investment funds of the seller can be deposited into the cash account opened in correspondence with the investment target company through crowdfunding.

At this time, the service server 110 may store investor information on an investor (user, seller, etc.) that has funded the investment target company with the business information of the investment target company and store the information in the seller DB. At this time, May include information about investors, information about investors' investment funds, and so on.

Accordingly, the investment target company performs a business using investment funds of the user and the seller, and the service server 110 reports report information related to accounting, business report, and the like on a predetermined period basis from the investment target company (User terminal 12, seller terminal 71) of the investor who has invested the investment funds in the investment target company.

In addition, when the invested company creates a dividend by dividing the dividend, the service server 110 deposits the dividend as a representative cash account and deposits the dividend into the cash account of the investor participating in the joint pool service related market .

In addition, the service server 110, in cooperation with the trust company server 21 of the trust company, manages funds of the investor investing in the investee company by securing the funds of the investor with securities such as bonds or stocks, It is possible to issue a plurality of housing securities issued to the investment target company corresponding to the investment amount with the securities account of the investor who issued the housing investment securities to the investment target company.

Accordingly, the service server 110 can expand the collateral of the housing securities used in the joint pool service market to not only the simple real estate but also the assets of the investment target company, thereby greatly expanding the size of the joint pool service related market .

The user terminal 12 and the seller terminal 71 may be a smart phone having a communication function, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, a telematics terminal, a navigation terminal, a personal computer, a notebook computer, a slate PC, a tablet PC, an ultrabook, and the like.

In addition, each component (or module) constituting the service server 110 may be software stored in the memory of the service server 110. The memory may be an internal memory of the service server 110, and may be an external memory or other type of storage device. Further, the memory may be a non-volatile memory. Software stored on the memory may include a set of instructions that, when executed, cause the service server 110 to perform certain operations.

An alarm unit, an interface unit, a debt repayment processing unit, a securities account substitution unit, a marketing information processing unit, a cash management unit, a registration unit, and a credit management unit, which constitute the service server 110, At least some of the control units may be connected to or included in a microprocessor and memory connected to each other or configured in the service server 110.

FIG. 15 is a block chain network application configuration for enhancing security and reliability of a public pool service. The management of a security account (or a home value account) and a cash account used by users and sellers, The reliability of the joint pool service itself may be lowered when the reliability of the service operator is low. Therefore, it is necessary to construct a joint pool block network with the participation of home owner, resident owner, non-resident owner (home securities, value of housing value), service operator, and trust company (trust company) participating in joint pool service, A share ledger that was created in a block chain manner so that it can not be modified in a block chain network having a user terminal, a seller terminal, a service server, and a trust account server node as all kinds of equity related changes including distribution of a non-resident stake, So that security and reliability can be enhanced. The service server performs all kinds of management as described above, and registers it in the share ledger when the share related change occurs. All the participants using the joint full service have mutual verification and share ledger for the transaction and spread it. In the case of such a block chain, it can be constituted as a private block chain for users who have participated in a joint pool service and have housing securities or home value amounts. In addition, it can be constituted as a work proof among other participants (users, , The equity certificate, or separately designated promiscuous participant terminal blocks, thereby enhancing security.

The various devices and components described herein may be implemented by hardware circuitry (e.g., CMOS-based logic circuitry), firmware, software, or a combination thereof. For example, it can be implemented utilizing transistors, logic gates, and electronic circuits in the form of various electrical structures.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or essential characteristics thereof. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

12: Residential equity user terminal
13: Housing securities user terminal
21: Trustee server 31: External server
61: financial company server 71:
91: Investment target terminal
100: service system 110: service server
120: DB section

Claims (9)

Claims [1] A real estate joint full service system comprising a trustee server for performing a management trust for a trusted home and a service server for communicating with a seller terminal of a seller who sells goods for goods or services through a communication network,
The housing trust information for the plurality of housing-related equity interests related to the housing issued in correspondence with the remaining equity of the entirety of the housing, excluding the housing stake of the user, and the equity information including the equity ratio of the residential stake to the remaining stakes To the service server; And
Wherein the home equity information and the seller information are registered in the non-resident equity account of the user in accordance with the home trust information when receiving the home trust information and the equity information, respectively, by communicating with the user terminal of the user and the seller terminal, The method comprising the steps of: registering the plurality of non-resident equity rights, transmitting market information on the common pool market for the commodity transaction between the user and the seller to the user terminal and the seller terminal, A service server for transferring a non-resident equity right corresponding to a sale price of a product to a non-resident equity account of the seller
A real estate joint pool full service system.
The method according to claim 1,
Further comprising an external server for providing quotation information on a current price of the house,
Wherein the service server updates a residential stake and an equity ratio of the equity information so that the remaining equity is maintained according to the issuance price of the non-resident equity book set in advance when the price of the housing is changed based on the ticker information and the housing trust information, If the ratio of the equity stake corresponding to the residential stake is less than a preset reference value among the current stake ratios that have updated the stake ratio, notification information for notifying the user terminal of the shortage of the stake is transmitted.
The method according to claim 1,
Wherein the market information includes a website composed of a plurality of web pages for a transaction of merchandise of the seller.
The method according to claim 1,
The trust fund server receives loan information for the home by communicating with a financial company server that provided a loan corresponding to the user's home when the user's home loan is purchased by lending a part of the purchase price of the home, Information on the residential property and the remaining equity of the residential property and the remaining equity is set as the remaining equity on the basis of the information on the basis of the residential equity and the debt information on the basis of the information, To the service server.
The method according to claim 1,
Wherein the trust account server reduces the repayment amount based on the reimbursement information in the debt equity when part of the debt equity of the housing is repaid and receives the reimbursement information from the financial institution server upon repayment of the loan, And transmits the updated home equity information and the updated equity information to the service server according to the issuance of the new non-resident equity right,
The service server updates the existing home trust information and the equity information corresponding to the home based on the updated home trust information and the equity information and registers the new non-resident equity interest in the user's non-resident equity related account Real estate joint full service system.
The method according to claim 1,
Wherein the service server establishes and registers a cash account in correspondence with the user, and upon receipt of settlement request information for settlement of a non-resident interest registered for trading in the public pool market from the user terminal, Withdrawing from the cash account of the user with liquidation cash corresponding to the total evaluation value of the housing securities and using the same for purchasing an external commodity sold in an external market other than the common pool market, Information is generated and registered in the market information about the public pool market to sell the external product.
The method of claim 6,
The service server extracts at least one non-resident interest account from the non-resident equity account of the selected one of the one or more holders having the non-resident interest account of the house corresponding to the settlement request information by checking the account of the non-resident equity by the seller, And the non-resident equity interest extracted from the account of the non-resident equity by the selected holder is transferred to the account of the non-resident equity of the user A real-estate joint full-service system.
The method of claim 7,
Wherein the service server receives the non-resident equity right from the sale price of the external merchandise and stores the non-resident equity right in correspondence with the representative non-resident equity account corresponding to the service server, Extracts the non-resident equity right corresponding to the residence of the virtual non-resident equity right received in the account of the non-resident equity in the non-resident equity account, and transfers the virtual non-resident equity right received in the non-resident equity account of the selected holder to the non-resident equity right Wherein said real estate partner is a full service system.
A real estate joint pool service method in a real estate joint full service system including a trustee server that performs a management trust for a trusted home and a service server that communicates with a seller terminal of a seller that sells goods for goods or services through a communication network In this case,
Wherein the trust account server transmits share information including the housing trust information for the non-resident equity account issued in correspondence with the remaining equity of the housing, excluding the housing equity of the user, and the equity ratio of the residential equity to the remaining equity To the service server;
The service server communicating with the user terminal of the user and the seller terminal to register a non-resident equity related account corresponding to each of the user and the seller;
Registering the non-resident equity right in the user's non-resident equity account according to the home trust information when the service server receives the home trust information and the equity information; And
The service server transmits market information on the common pool market for the commodity trade between the user and the seller to the user terminal and the seller terminal, and when the commodity transaction between the user and the seller is concluded based on the market information, Transferring the corresponding non-resident equity to the seller's non-resident equity account
A real estate joint pool full service method.

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