KR20190138295A - Method and system for transacting real estate by issueing electronic currency - Google Patents

Abstract

One embodiment is a system and a method for allowing a real estate owner to convert and issue real estate value or real estate development value (e.g., value rising by equipment, extension, development, etc.) into electronic money based on blockchain technology. The real estate transaction system comprises: a real estate registration unit which receives real estate information from a real estate owner and registers the real estate corresponding to the real estate information as a property; a temporary money issuing unit which issues temporary electronic money for the property; a purchase application receiving unit which provides the real estate information on the property to a user and receives a user′s purchase request for the temporary electronic money issued for the property; a temporary money sales unit which receives payment for the temporary electronic money issued for the property in response to the purchase application and sells the temporary electronic money; and an electronic money issuing unit which converts the temporary electronic money issued for the property into commercial electronic money when the temporary electronic money issued for the property is completely sold.

Description

METHOD AND SYSTEM FOR TRANSACTING REAL ESTATE BY ISSUEING ELECTRONIC CURRENCY}

The present invention relates to a system and a method for real estate owners to convert and issue the value of real estate or the value of real estate development (eg, equipment, extension, development, etc.) into electronic money based on blockchain technology. In more detail, in the system developed by the present invention, when a real estate owner wants to sell or develop a real estate, the amount of electronics corresponding to the value of the real estate or the value including the cost for the development of the real estate. If the system is requested to issue money and the system approves it, it issues the temporary electronic money of the corresponding value and issues the electronic money. The issued electronic money can be used as a means of paying or exchanging real estate development costs, and can be used as a means for trading or exchanging with other means for payment of electronic money. In addition, the ownership of the real estate provides a system that can be held and managed by a plurality of owners owning the electronic money or a real estate trust company designated by the operator.

In the conventional real estate trading system, it is common to show a target object of the real estate for sale and broker a transaction, or to broker the auction process by allowing users to participate in the auction.

In addition, there are various products such as real estate security bonds that commercialize real estate in the market, but the owner of the real estate has both the principal and interest burden of debt borrowed as real property. Therefore, it is true that the property investment or development of the property is a significant burden for the property owner.

In addition, in the conventional real estate system, only the high-value area-oriented sales are activated in the market, and transactions in relatively marginalized areas are not activated. Therefore, in areas where prices are not rising or falling, even real estate is not sold, making it difficult for property owners to use the property as property, leaving them unsold without selling them, or failing to invest or develop them. Often left unattended. The reality is that there is still a lack of ways to activate real estate sales in these underdeveloped areas, secure liquidity of funds, and develop underdeveloped areas through development and facility investment.

In addition, the sale and sale of real estate is still mainstream. However, when unsold homes occur, not only property owners and developers, but also some of the buyers who have been sold.

On the other hand, the recent rapidly developing virtual currency is generally classified as a kind of existing currency. For example, circulation currency is generally divided into natural currency, metal currency, credit currency, and distribution currency, electronic money, and alternative currency according to the development process. In particular, banknotes (e.g., US dollar bills, Korean won bills, Japanese yen bills, etc.) and bank checks used by the general public are bank notes issued by banks, and correspond to the above-mentioned credit currencies, which are referred to as "converted currencies". Yes. “Convertible currency” refers to the real currency that is the basis of the currency value (the gold, silver, copper, etc.) that is the basis of the monetary policy set by each country. It is not guaranteed. As an example showing the problem of convertible currencies, in the past banks failed to guarantee depositors' deposits. Or, in the face of a state bankruptcy, there are already well-known examples of merchants who do not accept local currency and demand dollars, or exchange them for more stable foreign currency. Therefore, from the past to the recent need for means to secure the value of the currency, including banknotes, virtual currency belonging to the currency is not an exception.

In order to guarantee the value of the currency in circulation, in the past, the government tried the “gold now standard”, a kind of convertible currency (the government sets the exchange price standard of the issued currency and the gold, holds the gold as much as the currency amount, and can also exchange it). An example of Nixon Shock in 1971 was the case that eventually failed due to liquidity problems.

On the other hand, as the society develops, the user demands a convenient and simple payment method and is shifting to sympathy with it. In the past, money has evolved from real money (eg gold, silver, copper, silk, etc.) to banknotes that are credit money, from bills to credit cards, and from credit cards to electronic money. However, the value of property, which is the advantage of real currency in the past, can be seen as flowing in a way that is not guaranteed, as shown by the recent virtual currency (eg, cryptocurrency, etc.). It is obvious that this is an unstable factor.

Recently, with the activation of electronic money, various electronic money is being traded, and in particular, thousands of kinds of cryptocurrency (also called “cryptocurrency”) using blockchain are being supplied to the market. For example, cryptocurrencies such as “Bitcoin”, “Ripple” and “Etherium” are not only used for various payment methods, but they are also active enough to be created and traded through these exchanges. And the plunging repeats. However, on the other hand, thousands of cryptocurrencies were supplied, but only about 100 of them are actually traded. The rest are not valued. This could create a number of victims who bought worthless cryptocurrency, which is another problem. Ultimately, cryptocurrency is also issued and supplied to users and traded in the same form as the "currency currency" of the existing circulation currency, and the minimum property value of owning cryptocurrency is not guaranteed. Currency is highly reliable because of the government's involvement even though it is not guaranteed, whereas in the case of cryptocurrency, governments or individuals develop and control the issuance system, so the risks of property value protection are We are warning about it and reviewing or reinforcing the law.

In this regard, Korean Patent No. 10-0592325 relates to a real estate transaction method through an affiliate network, and in the case of an intermediary transaction through an affiliated store, detailed information of the property registered by the seller is provided through a plurality of affiliated stores, and at one of the plurality of affiliated stores. In addition to enabling the transaction, the present invention discloses that the real estate information is selectively provided according to the grade of the merchant. According to this, the information of the property is shared to a plurality of real estate, thereby activating a transaction.

However, even with this prior art, it is difficult to solve the above-mentioned problems. Therefore, there is a need for a technique for solving the above problems.

On the other hand, the background art described above is technical information that the inventors possess for the derivation of the present invention or acquired in the derivation process of the present invention, and is not necessarily a publicly known technique disclosed to the general public before the application of the present invention. .

An object of the present invention is to increase the development, facility investment and consumption of the real estate by enabling the real estate owner to secure liquidity to the funds tied to the real estate through electronic money.

Still another object of the present invention is to issue and distribute electronic money with real property value as an alternative for preventing damages such as loss of property value of money holders described as problems of circulation money including virtual currency.

It is still another object of the present invention to provide an architecture in which the value of electronic money may increase in response to real estate value, thereby increasing the value of the investment while preventing the value of electronic money from falling.

Another object of the present invention can be expected to receive the additional income of the low-income class by applying the effect of obtaining a return on investment in real estate in a small amount.

As a technical means for achieving the above-described technical problem, according to an embodiment, the real estate transaction system, the real estate registration unit for receiving real estate information from the real estate owner, and registers the real estate corresponding to the real estate information for sale; A temporary money issuing unit for issuing temporary electronic money for the property; A purchase application receiving unit which provides the real estate information on the property to the user and receives a user's purchase request for the temporary electronic money issued for the property; A temporary money sales unit that receives payment for the temporary electronic money issued for the property in response to the purchase application and sells the temporary electronic money; When the sale of the temporary electronic money issued for the sale is completed, the electronic money issuing unit converts the temporary electronic money issued for the sale into commercial electronic money.

According to another embodiment, a real estate transaction method may include: receiving real estate information from a real estate owner and registering a real estate corresponding to the real estate information as a property; Issuing a temporary electronic money for issuing a temporary electronic money for the property; Providing the real estate information on the property to a user and receiving a user's application for purchase of temporary electronic money issued for the property; Selling temporary electronic money by receiving payment for the temporary electronic money issued for the property in response to the purchase request; And when the sale of the temporary electronic money issued for the sale is completed, it may include converting the temporary electronic money issued for the sale into commercial electronic money.

And in a computer-readable recording medium having recorded thereon a program for executing a real estate transaction method, the real estate transaction method comprising: receiving real estate information from a real estate owner and registering a real estate corresponding to the real estate information as a property; Issuing a temporary electronic money for issuing a temporary electronic money for the property; Providing the real estate information on the property to a user and receiving a user's application for purchase of temporary electronic money issued for the property; Selling temporary electronic money by receiving payment for the temporary electronic money issued for the property in response to the purchase request; And when the sale of the temporary electronic money issued for the sale is completed, it may include converting the temporary electronic money issued for the sale into commercial electronic money.

According to the embodiment of the present invention, since the electronic money holds the real value, the effect of preventing the problem of losing the value of the electronic money can be expected.

In another effect of the present invention, the value of electronic money also increases due to the increase in real value resulting from real revenue, regional development, and inflation, so that the electronic money holder obtains the additional benefits determined by the system. More specifically, the owner of the electronic money is provided with the additional revenue in electronic money at a rate determined by the system, or as a profit for increasing the value of the electronic money. This can be expected to have the effect of holding the real thing by itself owning electronic money rather than owning the real thing.

Another effect of the present invention can be expected to have both the advantages of the money used by the owner of the electronic money, and the advantages of owning a property having the characteristics of added revenue and value increase.

Real estate owners can make further developments or equipment investments to increase the value of their real estate.

The effects obtainable in the disclosed embodiments are not limited to the effects mentioned above, and other effects not mentioned above are apparent to those skilled in the art to which the embodiments disclosed from the following description belong. Can be understood.

1 is a conceptual diagram illustrating a network configuration including a real estate transaction system according to an embodiment.
2 is a block diagram illustrating a real estate transaction system included in an embodiment.
3 is a flowchart illustrating a method of real estate transaction, in accordance with an embodiment.
4 is a conceptual diagram illustrating an exchange target between each subject by a real estate transaction method according to an embodiment.

Hereinafter, various embodiments will be described in detail with reference to the accompanying drawings. The embodiments described below may be embodied in various different forms. In order to more clearly describe the features of the embodiments, detailed descriptions of the matters well known to those skilled in the art to which the following embodiments belong are omitted. In the drawings, parts irrelevant to the description of the embodiments are omitted, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a configuration is "connected" to another configuration, this includes not only 'directly connected' but also 'connected' between different configurations. In addition, when a configuration "includes" a certain configuration, this means that, unless specifically stated otherwise, it may further include other configurations other than the other configuration.

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

1 is a conceptual diagram illustrating a network configuration including a real estate transaction system according to an embodiment, and FIG. 2 is a block diagram illustrating a real estate transaction system included in an embodiment.

The real estate transaction system 30 according to an embodiment of the present invention registers a real estate, issues a temporary electronic money corresponding to the real estate, and sells the issued temporary electronic money to make a commercially available electronic money, that is, a payment having an exchange value as money. It is a system to switch to means. At this time, the temporary electronic money can be managed the generation and distribution history using the blockchain technology. Such a system may be implemented as a server-client system, where the server system may be configured as a distributed multiple server.

Meanwhile, the real estate transaction system 30 according to an embodiment includes an interface for registering personal information and real estate information owned by a real estate owner. Such an interface may be implemented on the client side of the server-client system described above, and the property owner inputs information through his own user terminal (hereinafter referred to as 'owner terminal'), and inputs the information into a real estate transaction. Any technical means of transmitting to the system 30 is possible.

The real estate transaction system 30 may communicate with the owner terminal 10 described above through a network (N). In addition, the real estate transaction system 30 may retain not only a real estate owner but also users interested in real estate for sale, and the real estate owner may be part of such a member. Accordingly, the real estate transaction system 30 may manage each member's account separately.

Hereinafter, a terminal used by such a general member will be described as a member terminal 20. However, both the owner terminal 10 and the member terminal 20 may be configured as an information processing apparatus capable of exchanging information with the real estate transaction system 30 by having a communication function such as a personal computer or a mobile device.

The system according to an embodiment may include a real estate registration unit 31 that verifies and stores the information received using the above-described interface, that is, the personal information of the real estate owner or information related to the real estate. The real estate register 31 includes information related to the real estate (hereinafter referred to as 'real estate information'), for example, owner information of the real estate, revenue information of the real estate for at least a period of time, real estate quote information, previous transaction history, and the current owner's possession. When inputting period, desired price, payment method information (for example, cash, virtual currency, or cash and virtual currency), legal matters (for example, set mortgage information, etc.) By registering in the database, the property is registered for sale.

At this time, the information verification unit 32 may perform identity verification for the user registering the real estate as a property, verify whether the user is a real owner of the real estate, and then store the owner information in association with the real estate information. In addition, the information verification unit 32 may verify the authenticity of the specific information among the information registered in the property owner, that is, the information contained in the real estate information or the owner information described above. For example, the API of the online real estate brokerage service may be used to verify whether the price information of registered real estate is entered at an appropriate level corresponding to the price provided by the online real estate brokerage service. In addition, it is possible to verify the authenticity of the owner information of the real estate, the information on foreclosures or collaterals, etc. set in the real estate based on the court Internet registry database information. In this process, the operator of the real estate transaction system 30 may enter the temporary completion of the verification for the verified real estate information after the offline verification is completed, so that the temporary electronic money is issued only for the verified real estate.

Further, the information verification unit 32 may set an appraisal value of the real estate through an appraisal procedure and store the appraisal amount as information of the owner as the real estate information of the property.

In addition, the temporary money issuing unit 33 may issue the temporary electronic money using the real estate information verified by the information verification unit 32. The temporary money issuing unit 33 can issue temporary electronic money in a quantity corresponding to the value of the real estate registered as the property. In this case, if the unit of temporary electronic money issued is set to 1 coin unit, the number of temporary electronic money issued may be calculated according to the value of the registered real estate. In this case, the value of the real estate may be calculated based on the price information of the real estate, or may be calculated based on the appraisal amount. For example, when a temporary coin of one coin is set to be issued per 1,000,000 won, a temporary coin of 100 coins may be issued when the real estate value is 100,000,000 won.

In calculating the value of the real estate as described above, for example, for a real estate whose rental yield is 3% per year for one year, the value of the real estate can be estimated as one million won when the annual income is 30,000 won. In order to verify this, the relevant tax information can be checked and checked online using the relevant tax office's API.

Here, the "temporary electronic money" is an electronic money exchanged in the real estate transaction system 30 and is associated with a specific sale. For this purpose, the temporary electronic money is a blockchain-based electronic money, and the information on which the basis of issuance of the temporary electronic money, that is, the identification information of the real estate, may be recorded in the blockchain data. The temporary electronic money may be traded between members of the real estate transaction system 30. To this end, the temporary money selling unit 35, which will be described later, may mediate other members to purchase temporary electronic money already issued to a specific member.

Meanwhile, the real estate transaction system 30 may include a purchase application receiver 34. The purchase application receiving unit 34 may receive a purchase request for temporary electronic money issued for each registered item from the member terminal 20. To this end, the purchase application receiving unit 34 provides information of each property, that is, real estate information to the member terminal 20, information on the quantity of temporary electronic money issued in correspondence with the property, and purchase of temporary electronic money. Information on the quantity (that is, the quantity of temporary electronic money not sold) may be provided to the member terminal 20. For example, the purchase application receiving unit 34 may allow 100 coins issued for a sale to be sold to at least one member within a predetermined period when 100 coins are issued for a temporary sale. Can be. In other words, while providing real estate information on the property, it provides information on the total amount of temporary electronic money issued for the property and the quantity of temporary electronic money already sold, and within the range of the total amount of temporary electronic money remaining. In this case, the purchaser may decide the amount of temporary electronic money to apply for purchase. That is, when temporary electronic money is issued in total 100 coins and 70 coins are sold together with specific information such as address information of the real estate, an interface may be provided so that a purchaser can purchase temporary electronic money of up to 30 coins. Thus, the purchase application receiving unit 34 may receive a purchase application for the temporary electronic money until all the temporary electronic money issued for the sale is sold.

The real estate transaction system 30 may include a temporary money sales unit 35 that performs a payment procedure in response to the received purchase application and issues temporary electronic money. The provisional money sales unit 35 may receive a value corresponding to the provisional quantity of the provisional electronic money in response to the purchase application received for the particular property. For example, if a purchaser wants to purchase a temporary electronic money of 30 coins, an amount corresponding to the temporary electronic money of 30 coins, for example, 30,000,000 won, may be paid in cash or other commercial electronic money.

The temporary money sales unit 35 may issue temporary electronic money to the account of the member who applied for a purchase when the amount is settled. In this case, when the temporary electronic money is issued, the temporary money selling unit 35 may additionally record the issuance history in the blockchain data. In addition, the temporary money selling unit 35 may broker a temporary electronic money transaction between the user who purchased the temporary electronic money issued for the sale and another user as described above. That is, the temporary money selling unit 35 may allow other members to apply for a purchase to the member holding the temporary electronic money and pay the transaction for the temporary electronic money held by a certain member.

In this case, the real estate transaction system 30 may include a profit settlement unit 36 that sells the issued temporary electronic money and pays the amount received from the buyers or an amount excluding a certain fee to the real estate owner. As a result, the real estate owner can secure a certain amount of funds within the real estate value before the disposal of the real estate, and can use the funds to increase the value of the real estate such as real estate development or remuneration. . Alternatively, in another embodiment, the real estate transaction system 30 sells the issued temporary electronic money and receives the amount received from the buyers or an amount excluding a certain fee at the time when all the temporary electronic money issued for the real estate is sold. It may also be paid to the property owner in bulk.

In this case, the revenue settlement unit 36 may precede the procedure for establishing the right to the real estate of the property before the settlement of at least a portion of the revenue, that is, the amount received from the buyers by selling the temporary electronic money. In this case, the right setting may include, for example, setting a storage right for the real estate. Or a transfer of ownership to the property.

At this time, the revenue settlement unit 36 setstles the profits when all quantities of temporary electronic money issued for sale are sold and performs the transfer of ownership of the property online and offline. You can check it.

Meanwhile, the real estate transaction system 30 may include an electronic money issuing unit 37 for converting the temporary electronic money into commercial electronic money that can be used in actual transactions when all the temporary electronic money issued for one sale is sold. Can be.

Specifically, the electronic money issuing unit 37, for example, after a total of 100 coins of temporary electronic money has been issued for a particular sale, if all 100 coins of temporary electronic money are sold to buyers, 100 coins of temporary electronic money are sold. All can be converted to electronic money and issued. That is, when all temporary electronic money for a particular sale is sold, all temporary electronic money related to the sale can be recovered or destroyed and the commercial electronic money of the corresponding value can be paid to the holders of the temporary electronic money.

At this time, in converting the temporary electronic money into electronic money, the temporary electronic money may be converted into electronic money so that the value of the value paid by the buyer and the value of the converted electronic money correspond to each other when purchasing the temporary electronic money. For example, if you paid 10,000,000 won in cash when purchasing temporary electronic money, when converting such temporary electronic money into electronic money, you can convert it into electronic money corresponding to the value of 10,000,000 cash.

Alternatively, when converting the temporary electronic money into electronic money according to the embodiment, the temporary electronic money is not converted to the real estate value at the time of issuing the temporary electronic money, but at a value corresponding to the value of the real estate at the time of converting the temporary electronic money. Can be converted into currency. For example, if a temporary coin of 100 coins is issued when the real estate value is 100,000,000 won, and when the temporary electronic money is converted to electronic money later, the value of the real estate has risen to the value of 130,000,000 won, 10 coins for the real estate. A buyer who purchases a temporary electronic money of A is able to receive an electronic money worth 13,000,000 won when converting the temporary electronic money to electronic money even if the temporary electronic money is paid 10,000,000 won at the time of purchase. In other words, when converting temporary electronic money into electronic money, electronic money can be converted with a value ratio of 1: 1.3. This is just one embodiment.

As a result, it is possible to share the effect of the increase in the value of a particular property, and through this, it is possible to set a stake in the property to enjoy the benefits of the increase in the value of the property without sharing ownership. In addition, if the value of the property is large, many members can make a small investment to close the transaction even if there is no buyer capable of paying the value, thereby facilitating the transaction and real estate owners can easily sell the property. To help.

At this time, when all the temporary electronic money of the buyers of the temporary electronic money is converted into electronic money, the real estate transaction system 30 transfers the ownership of the registered real estate from the real estate owner to the system operator or a person designated by the system operator, such as a trust company. And so on. That is, the system operator may sell the provisional electronic money issued and pay the real estate owner the amount received from the buyers or an amount excluding a certain fee, while transferring ownership of the real estate or establishing a security right.

Alternatively, the real estate transaction system 30 may settle the amount received from the buyers after receiving a predetermined fee from the property owner instead of paying the amount excluding the fee. In this case, the fee may be paid in cash or electronic money, or a dedicated electronic money issued separately for payment of fees in the system. For example, within the service provided by the real estate transaction system 30, an electronic money may be issued for payment of a fee, and the real estate owner may pay the fee in such electronic money. At this time, the temporary electronic money can be converted into electronic money and at the same time, the ownership of the real estate can be transferred or a security right can be established.

Meanwhile, the real estate transaction system 30 may include a money transaction intermediation unit 38 that provides an interface in the form of an electronic wallet that enables electronic money to be used as a payment method. For example, it may include a monetary transaction brokerage unit 38 that stores and manages information about electronic money purchase information, deposit and withdrawal information, possession amount information, and trade application.

Through this, when a buyer, who has a temporary electronic money corresponding to a specific real estate, is converted to electronic money, he / she can freely use the converted electronic money.

Each configuration as described above may be implemented in a system including a server device independent from each other, or may be implemented in one server device. Each configuration may also include separate or common database server devices.

On the other hand, when looking at the real estate transaction method using the real estate transaction system 30 having the above configuration sequentially, the real estate transaction system 30 may receive real estate information from the real estate owner (S301).

The real estate information may be information necessary for identifying a real estate, information related to a right relationship, quote information, registration information, owner information, and the like, and such real estate information may be managed in association with owner information.

The real estate transaction system 30 may verify real estate information registered by the real estate owner (S302). For example, the real estate transaction system 30 collects information corresponding to some of the item information included in the real estate information from a related public institution or a database of online service that manages information related to the real estate, for example, quote information. The verification process may be automatically performed by comparing the collected information with the item information included in the real estate information.

In this case, the quote information may be calculated using a method of calculating the value of the real estate as described above. For example, the price information can be calculated by calculating the value of the property using the rental yield of the property and the actual annual revenue.

Or at this time, the offline verification process may be performed in parallel, for example, may be accompanied by an appraisal process for the real estate.

Accordingly, when the verification of the real estate information is completed, the real estate transaction system 30 may register only the real estate corresponding to the verified real estate information as a sale (S303).

Subsequently, the real estate transaction system 30 may issue a temporary electronic money corresponding to the value of the registered real estate (S304). In this case, the temporary electronic money may be in the form of an encrypted token. Here, the value of the real estate can be calculated based on the current market price information of the real estate. In addition, if development or equipment is scheduled to be added to the property, the cost can be added to the quote to estimate the price.

Of course, you can set the value of the property to the price determined by the property owner.

Subsequently, the real estate transaction system 30 may attempt to sell the issued temporary electronic money while releasing various information related to the real estate. At this time, the right to view the information on the real estate may be granted to all users, or may be limited to those who have registered as members or who have certain qualifications.

On the other hand, when the purchase application for the temporary electronic money issued as described above is received (S305) and the payment procedure is completed in response to the purchase application, the system may pay the temporary electronic money to the buyer (S306).

When the sale of all the temporary electronic money issued for a specific sale is completed (S308), the real estate transaction system 30 may convert the temporary electronic money into electronic money (S309). At this time, the temporary value of electronic money and electronic money can be associated with the identification value of the real estate. In addition, the temporary electronic money and electronic money may be applied with an identifier (eg, a number, an encrypted hash value, etc.) for identifying the total number of electronic money issued for each property.

Subsequently, when the sale of the temporary electronic money is completed and the temporary electronic money is converted into electronic money, the real estate transaction system 30 transfers the ownership of the property from the property owner to the system operator or the person designated in the system (for example, a real estate trust company). , Electronic money owners, etc.). If necessary at this stage of the transfer of rights, some of the processes may be performed off-line.

In this case, the real estate transaction system 30 may deduct all fees and transaction-related costs from the real estate owner and pay the sale price of the temporary electronic money (for example, various electronic money, virtual currency, cash, etc.) as the transfer price of the ownership. . If the real estate owner's request, cash is paid through wire transfer, and if the payment is made in electronic money provided by the system, the electronic money can be paid as much as the corresponding amount through the electronic wallet of the real estate owner.

As such, when the sale of the temporary electronic money is completed and the transfer of ownership is completed, the system may convert and issue the sold temporary electronic money into the electronic currency that is actually used. In other words, by converting the temporary electronic money to electronic money to the buyers who hold the temporary electronic money for the real estate, the converted electronic money of the buyer can be paid.

Each buyer can then use the electronic money by paying for goods or services or exchanging it for another exchange value using the electronic money paid to their electronic wallet.

According to an embodiment, the real estate transaction system 30 manages real estate converted to electronic money, and deducts all costs or related fees, such as various taxes and maintenance costs, for the ownership of the real estate from the real estate revenue. You can also pay and convert the rest of the profits to electronic money and pay it to the owners of electronic money. Here, with respect to the ownership of the property converted to electronic money, an agreement of a certain ratio of the owner of the electronic money with the identifier of the property (e.g., one or more days when the owner of electronic money issued for a specific property is one) In such a case, 70% of the owner's agreement, etc., may be used to recover the electronic money of the owners of the electronic money and transfer ownership of the real estate to the owners of the electronic money.

Alternatively, when the real estate transaction system 30 generates revenue while managing the real estate, the buyer who purchased temporary electronic money for the real estate by converting the remaining profit to electronic money by deducting various expenses from the real estate revenue. Additional payments may be made to them. At this time, the buyer may agree to recover the electronic money of the buyer and transfer the ownership of the property to the buyer.

Furthermore, the real estate transaction system 30 may further issue electronic money to pay the electronic money holders even when the value of the real estate is increased, as well as when the profit is generated by the use of the real estate. Here, according to the embodiment, in applying the increase of the value of the real estate to electronic money, the system applies the rising value to each electronic money and the average of the rising value of all real estate goods that have been electronically converted. At least one of the methods applied to money may be applied. The same applies to the method of applying the additional income generated from real estate to electronic money.

On the other hand, according to an embodiment, as shown in Figure 4, the owner of the real estate, even before the actual real estate is sold by using the sales revenue of the temporary electronic money issued for the real estate for sale at one time or every sale The funds corresponding to the value of the real estate can be used, and the operator of the real estate transaction system 30 can receive and set a right for the real estate, for example, ownership or mortgage.

In addition, buyers of temporary electronic money pay the purchase price of temporary electronic money for real estate and receive temporary electronic money, and then, when all temporary electronic money is sold, it can be converted into commercial electronic money and used. In the meantime, we can benefit from the rise in real estate value. In addition, if the sale of the temporary electronic money for the sale is completed, it may be re-cashed by selling the temporary electronic money to another member.

The term '~ part' used in the above embodiments refers to software or a hardware component such as a field programmable gate array (FPGA) or an ASIC, and the '~ part' performs certain roles. However, '~' is not meant to be limited to software or hardware. '~ Portion' may be configured to be in an addressable storage medium or may be configured to play one or more processors. Thus, as an example, '~' means components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, procedures, and the like. Subroutines, segments of program patent code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables.

The functionality provided within the components and 'parts' may be combined into a smaller number of components and 'parts' or separated from additional components and 'parts'.

In addition, the components and '~' may be implemented to play one or more CPUs in the device or secure multimedia card.

The real estate transaction method according to the embodiments described with reference to FIG. 3 may also be implemented in the form of a computer readable medium for storing instructions and data executable by a computer. In this case, the command and data may be stored in the form of program code, and when executed by the processor, a predetermined program module may be generated to perform a predetermined operation. In addition, computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may be a computer recording medium, which is volatile and non-implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. It can include both volatile, removable and non-removable media. For example, the computer recording medium may be a magnetic storage medium such as HDD and SSD, an optical recording medium such as CD, DVD, Blu-ray Disc, or the like, or a memory included in a server accessible through a network.

In addition, the real estate transaction method according to the embodiments described with reference to FIG. 3 may be implemented as a computer program (or computer program product) including instructions executable by a computer. The computer program includes programmable machine instructions processed by the processor and may be implemented in a high-level programming language, an object-oriented programming language, an assembly language, or a machine language. . Computer programs may also be recorded on tangible computer readable media (eg, memory, hard disks, magnetic / optical media or solid-state drives, etc.).

Accordingly, the real estate transaction method according to the embodiments described with reference to FIG. 3 may be implemented by executing the computer program as described above by the computing device. The computing device may include at least a portion of a processor, a memory, a storage device, a high speed interface connected to the memory and a high speed expansion port, and a low speed interface connected to the low speed bus and the storage device. Each of these components are connected to each other using a variety of buses and may be mounted on a common motherboard or otherwise mounted in a suitable manner.

Here, the processor may process instructions within the computing device, such as to display graphical information for providing a graphical user interface (GUI) on an external input, output device, such as a display connected to a high speed interface. Instructions stored in memory or storage. In other embodiments, multiple processors and / or multiple buses may be used with appropriately multiple memories and memory types. The processor may also be implemented as a chipset consisting of chips comprising a plurality of independent analog and / or digital processors.

The memory also stores information within the computing device. In one example, the memory may consist of a volatile memory unit or a collection thereof. As another example, the memory may consist of a nonvolatile memory unit or a collection thereof. The memory may also be other forms of computer readable media, such as, for example, magnetic or optical disks.

In addition, the storage device can provide a large amount of storage space to the computing device. The storage device may be a computer readable medium or a configuration including such a medium, and may include, for example, devices or other configurations within a storage area network (SAN), and may include a floppy disk device, a hard disk device, an optical disk device, Or a tape device, flash memory, or similar other semiconductor memory device or device array.

The above-described embodiments are for illustrative purposes, and those of ordinary skill in the art to which the above-described embodiments belong may easily change to other specific forms without changing the technical spirit or essential features of the above-described embodiments. I can understand. Therefore, it is to be understood that the above-described embodiments are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope to be protected by the present specification is represented by the following claims rather than the above description, and should be construed to include all changes or modifications derived from the meaning and scope of the claims and their equivalents. .

Claims (11)

A real estate registration unit for receiving real estate information from a real estate owner and registering real estate corresponding to the real estate information as a property;
A temporary money issuing unit that issues temporary electronic money for the property;
A purchase application receiving unit providing the user with the real estate information on the property and receiving a user's purchase request for the temporary electronic money issued for the property;
A temporary money sales unit that receives payment for the temporary electronic money issued for the property in response to the purchase application and sells the temporary electronic money; And
When the sale of the temporary electronic money issued for the sale is completed, real estate transaction system including an electronic money issuing unit for converting the temporary electronic money issued for the sale into commercial electronic money. The method of claim 1,
The real estate transaction system,
Further comprising an information verification unit for verifying the authenticity of the real estate information,
The temporary money issuing unit, the real estate transaction system to issue a temporary electronic money in accordance with the verification result of the information verification unit. The method according to claim 1 or 2,
The temporary money sales unit,
And brokering a temporary electronic money transaction for the property between a user who purchased the temporary electronic money issued for the property and another user. The method of claim 1,
The real estate transaction system,
If the temporary electronic money issued for the sale by the temporary money sales unit is sold, further includes a profit settlement unit for settlement of the price of the sold temporary electronic money with the real estate owner,
The revenue settlement unit,
And settlement of the price after completing the setting of the right to the real estate corresponding to the property. The method of claim 4, wherein
The real estate transaction system,
If the temporary electronic money issued for the sale by the electronic money issuing unit is converted to commercial electronic money, real estate transaction system further comprising a currency trading intermediary to broker a transaction using commercial electronic money. Receiving real estate information from a real estate owner and registering real estate corresponding to the real estate information as a property;
Issuing a temporary electronic money for issuing a temporary electronic money for the property;
Providing the user with the real estate information on the property and receiving a user's application for purchase of temporary electronic money issued for the property;
Selling temporary electronic money by receiving payment for the temporary electronic money issued for the property in response to the purchase request; And
When the sale of the temporary electronic money issued for the sale is completed, converting the temporary electronic money issued for the sale into commercial electronic money, real estate transaction method. The method of claim 6,
The method,
Verifying the authenticity of the real estate information;
Issuing the temporary electronic money,
According to a result of verifying the authenticity of the real estate information in the verifying step determines whether to issue the temporary electronic money and the number of issuance of the temporary electronic money, issuing the temporary electronic money corresponding to the property, real estate transaction Way. The method of claim 7, wherein
The real estate transaction method,
If the temporary electronic money issued for the sale is sold, after the setting of the right for the real estate corresponding to the sale is completed, further comprising the step of paying the price of the sold temporary electronic money with the property owner; . The method of claim 6,
The real estate transaction method,
And brokering a transaction between users for the temporary electronic money issued for the property after the step of selling the temporary electronic money and before converting to the commercial electronic money. The method of claim 6,
The real estate transaction method,
When the temporary electronic money issued for the sale is converted to commercial electronic money, real estate transaction method further comprising a currency trading brokerage to broker a transaction using commercial electronic money. A computer-readable recording medium having recorded thereon a program for performing the method of claim 6.

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