KR20200126738A - Real-estate development method using global security token - Google Patents

Abstract

The present invention relates to a real estate development and investment method, and more particularly, to a real estate development and investment method using global security-type virtual currency. To this end, the real estate development and investment method of the present invention comprises the steps of: (S340) disclosing, by a primary virtual currency disclosing means (310), at least a portion of the total funds required for executing real estate funds as a primary virtual currency; (S350) selling, by a primary virtual currency account managing means (320), the primary virtual currency to a consumer, and receiving investment; (S360) receiving a loan for the unsold remaining funds among the total funds from a bank to raise the total funds; (S400) disclosing, by a secondary virtual currency disclosing means (330), at least a part of the total real estate distribution cases as a secondary virtual currency; (S410) selling, by a secondary virtual currency distributing management unit (340), the secondary virtual currency to the consumer to distribute a real estate; and distributing, by a control unit (300) expected profits among the total funds in accordance with stakes of the primary virtual currency, and distributing lease profits of the real estate in accordance with stakes of the secondary virtual currency. According to the present invention, the real estate development and investment method can be expanded even to a global region out of a local limit.

Description

Real-estate development method using global security token}

The present invention relates to a real estate development investment method, and more particularly, to a real estate development investment method using a global securities-type virtual currency.

1 is a flowchart sequentially showing a conventional real estate (eg, apartment) development method. As shown in FIG. 1, first, a business location where the apartment is to be located is determined (S100).

Then, the operator determines a contractor (eg, a construction company) to construct the apartment (S110).

Then, the business operator and the contractor recruit funding agencies required for the apartment construction, and select a financial supervisor that provides and manages the raised funds (S120). One of these financial supervisors is an asset management company, a securities company, a savings bank, and a trust company.

Subsequently, the financial supervisor investigated the legal legitimacy, environment, education, transportation, financing, profitability, etc. for the apartment construction project proposed by the business through specialized institutions such as law firms and accounting firms, and conducted multiple loans based on the results. Institutions, that is, large stock companies (eg, market 1 and 2 financial sector banks, securities companies, etc.) are recruited to prepare for business financing.

Then, the business operator completes a number of related business licenses/permissions from related organizations (eg, the Ministry of Land, Environment, and local governments) (S130).

Then, the business operator raises the main funds required for the apartment construction and sale from the main house (S140).

Then, the business operator completes various licenses and permits for the start of construction from local government agencies (eg, city hall, ward office, etc.) (S150).

Then, the major jurisdiction executes the funds and the construction company starts construction (S160).

In addition, the operator builds a sample house (eg, a model house) and prepares for sale, such as preparing advertisements (S170).

Then, when the contractor completes the construction process at a certain stage in accordance with the law, the business operator obtains a sales permit, and then starts the sales, and the local consumer 10 visits the sample house to check the location, interior structure, and loan conditions. After that, a sales contract is signed (S180). Here, the local consumer 10 is a resident of the neighborhood or a person who wants to sell the apartment in sale, and after signing a sale contract for one or two or more of the apartment, the intermediate payment is made to the equity capital or financial institution according to the process. It is used to pay to a fund management institution (eg, a trust company).

Thereafter, the apartment is completed, and the local consumer 10 who has made a pre-sale contract pays the balance and then moves in (S190). Through this process, the process from the start of the apartment to the move-in after completion ends.

However, such a conventional real estate development investment method has the following problems.

First, when a business operator receives a loan from a major stockholder to raise business funds, the interest burden is high, and it takes an absolute period and effort to approve the business authorization and financing, and in this process, it can yield considerable business profits to the major stockholders. The only practice has become common, and this has a drawback that is reflected in consumers' pre-sale prices and quality of construction.

Second, the sale rate, which can be said to be the success of the apartment construction, had to depend entirely on local consumers (10), and local consumers (10) had a disadvantage that they needed a large amount of money because they could only sign a sale contract in at least one unit. . Therefore, there is a limit that the local consumer 10 cannot invest in an apartment with a small amount.

To solve these shortcomings,

First, as an alternative to small investment and the sale rate, there is a real estate REITS method. Like financial products, funds are raised through institutions or individuals, and the entire completed real estate building is acquired (received in sale). Generate profits from the amount invested through a master lease contract to a pre-coordinated company or management entity, and after a certain period of operation (e.g. 5-6 years increments/extension possible) above the acquired amount (booking price) It is a method of selling. However, this method is mainly limited to commercial building development, and has little tendency to the initial financing of operators, as described above, and domestically developed REIT products eventually correspond to domestic consumers, thus limiting the limitations of local demand. It is a way that cannot escape.

Second, as a solution related to initial capital procurement and small investment, there is a traditional method of financing by issuing stocks or corporate bonds of business operators. However, in the case of general real estate investment/development, financing through the issuance of stocks or corporate bonds today, when project financing is active, may shorten the period of financing, but from a business operator's point of view, the cost of financing in this manner is much higher than that of project financing. It is not desirable in terms of business feasibility because it is high and burdensome, and it is unreasonable for investors who invest in stocks or corporate bonds to invest enormous business funds in a high-risk development project expecting only a slightly higher interest rate than the interest rate of the banking sector. It is less realistic than project financing.

Third, theoretically, there may be a plan to issue securities such as stocks in the pre-sale stage so that even small investments can make it possible to own shares in apartments or other residential pre-sale real estate. However, in this case, registration may be realistically possible depending on the stake, but multiple owners register for one real estate. In this case, the question of who will manage the real estate for what purpose remains permanent. Moreover, when an individual among multiple owners encounters a dispute related to disposition or ownership of the registered interest, the difficulty to be resolved is not one or two.

Korean Patent Publication No. 10-2009-0068091 (June 25, 2009)

Therefore, the present invention was conceived to solve the above problems, and the problem to be solved of the present invention is to reduce the economic burden of the developer from the initial stage of real estate planning and implementation, and in the pre-sale stage, share pre-sale for global consumers. It is to provide a real estate development investment method using global securities-type virtual currency that makes this possible.

Another object of the present invention is a real estate development investment method using a global securities-type virtual currency that can allocate the estimated sales profit according to the stake of the primary virtual currency and distribute the real estate rental income according to the stake of the secondary virtual currency. To provide.

However, the technical problems to be achieved in the present invention are not limited to the technical problems mentioned above, and other technical problems that are not mentioned are clearly to those of ordinary skill in the technical field to which the present invention belongs from the following description. It will be understandable.

In order to achieve the above technical problem, in the method of investing in real estate, the first virtual currency disclosure means 310 discloses at least some of the total funds required for real estate fund execution as a first virtual currency (S340); A step (S350) of receiving the funds by selling the first virtual currency to a consumer by the primary virtual currency account management means (320); A step (S360) of obtaining a loan from a bank for remaining unsold funds among the total funds (S360); Secondary virtual currency disclosure means 330 to disclose at least a portion of the entire sale of real estate as secondary virtual currency (S400); Secondary virtual currency sales management unit 340 selling the second virtual currency to the consumer to sell the real estate (S410); And distributing, by the control unit 300, the estimated profit of the total funds according to the share of the primary virtual currency, and allocating the rental income of the real estate according to the share of the secondary virtual currency; Real estate development and investment methods using global securities-type virtual currency are provided.

In addition, the consumer is a global consumer 50 that can be accessed through the network.

In addition, the real estate may be one of an apartment, a multi-family house, a multi-family house, a pension, a hotel, a residence, and a villa.

In addition, the amount of one coin in the primary cryptocurrency and the amount of one coin in the secondary cryptocurrency are small coins that are smaller than the pre-sale amount of one household in real estate.

In addition, the unsold real estate in the pre-sale step (S410) is sold to the local consumer 10.

In addition, the real estate is registered in the name of the local consumer 10 and the trust company operating the real estate.

In addition, at least one of the primary virtual currency and the secondary virtual currency is encrypted by the block chain cryptographic means (360).

In addition, the first cryptocurrency and the second cryptocurrency use the same amount of money.

In addition, in the distribution step, the control unit 300 allocates the expected profit according to the share of the primary virtual currency when the sale is completed.

In addition, in the distribution step, the control unit 300 allocates the rental income of the real estate according to the share of the secondary virtual currency from the start of the move-in of the real estate.

According to an embodiment of the present invention, the economic burden of the business owner (eg, interest burden) can be reduced from the initial stage of real estate planning and implementation, and in the pre-sale stage, it is possible to sell shares to global consumers.

In addition, by distributing the estimated sales profit according to the stake in the primary cryptocurrency and real estate rental income according to the stake in the secondary cryptocurrency, it is possible to participate in the profit share or receive the rental income of the real estate for a small amount. There is.

In addition, the global consumer 50 has the advantage of being able to invest with confidence because it is possible to invest in real estate even for a small amount, and only targets businesses whose business feasibility has been verified by a professional investment institution.

In addition, since demand and supply are made based on a block chain, it has the advantage of expanding to the global area beyond regional limitations.

However, the effects obtainable in the present invention are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those of ordinary skill in the art from the following description. I will be able to.

The following drawings appended in the present specification illustrate preferred embodiments of the present invention, and serve to further understand the technical idea of the present invention together with the detailed description of the present invention to be described later, so the present invention is described in such drawings. It is limited to and should not be interpreted.
1 is a flow chart sequentially showing a conventional real estate development method;
2 is a flow chart of a real estate development investment method using a global securities-type virtual currency according to an embodiment of the present invention,
3 is a network configuration diagram for implementing the method of FIG. 2;
4 is a schematic block diagram of the server apparatus 100 of FIG. 3.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art may easily implement the present invention. However, since the description of the present invention is merely an embodiment for structural or functional description, the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, since the embodiments can be variously changed and have various forms, the scope of the present invention should be understood to include equivalents capable of realizing the technical idea. In addition, since the object or effect presented in the present invention does not mean that a specific embodiment should include all of them or only those effects, the scope of the present invention should not be understood as being limited thereto.

The meaning of the terms described in the present invention should be understood as follows.

Terms such as "first" and "second" are used to distinguish one component from other components, and the scope of rights is not limited by these terms. For example, a first component may be referred to as a second component, and similarly, a second component may be referred to as a first component. When a component is referred to as being "connected" to another component, it should be understood that although it may be directly connected to the other component, another component may exist in the middle. On the other hand, when it is mentioned that a component is "directly connected" to another component, it should be understood that there is no other component in the middle. On the other hand, other expressions describing the relationship between the constituent elements, that is, "between" and "just between" or "neighboring to" and "directly neighboring to" should be interpreted as well.

Singular expressions are to be understood as including plural expressions unless the context clearly indicates otherwise, and terms such as "comprises" or "have" refer to specified features, numbers, steps, actions, components, parts, or It is to be understood that it is intended to designate that a combination exists and does not preclude the presence or addition of one or more other features or numbers, steps, actions, components, parts, or combinations thereof.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the field to which the present invention belongs, unless otherwise defined. Terms defined in a commonly used dictionary should be interpreted as having the meaning of the related technology in context, and cannot be interpreted as having an ideal or excessively formal meaning unless explicitly defined in the present invention.

Example of Configuration

Hereinafter, a configuration of a preferred embodiment will be described in detail with reference to the accompanying drawings. First, FIG. 3 is a network configuration diagram for implementing the method of FIG. 2. As shown in FIG. 3, the server device 100 may be connected to a network through the Internet, an intranet, a wireless communication network, etc., and may be connected to a plurality of client computers and server computers to exchange data. The server device 100 may be implemented as a server computer, a medium-sized computer, or a workstation.

The database unit 120 is connected to the server device 100 to provide various real estate investment information, information of local consumers 10 (eg, personal information, member information, investment information, etc.), global consumer 50 information, financial information, etc. Can be saved, retrieved, and printed. To this end, the database unit 120 may be designed as a relational database.

The financial supervisor 200 may be a server computer or a terminal of the financial supervisor. The terminal can be a client computer, a personal computer, or a wireless handheld device (eg, a laptop computer, a mobile phone, a tablet, etc.).

The contractor 210 may be a server computer or a terminal of the contractor.

The investment bank (IB) 220 may be a server computer or terminal of an investment bank.

The asset management company 230 may be a server computer or a terminal of the asset management company.

The local consumer 10 is a general apartment consumer who makes a sales contract when the apartment is sold. The local consumer 10 may be a resident of a corresponding area or a nearby area, and a sales contract is signed for each apartment.

The global consumer 50 is a global consumer 50 from around the world that can be accessed through the Internet. Such a global consumer 50 may sign a stake contract after reading a specific homepage operated by the server device 100, and it is practically difficult to visit the sample house directly offline. A representative example of such a global consumer 50 could be a small foreign investor.

4 is a schematic block diagram of the server device 100 of FIG. 3. As illustrated in FIG. 4, the controller 300 is an electronic component that performs determination, calculation, search, and the like, and may be implemented as a CPU, an application processor (AP), or MICOM. Although not shown in the server device 100, a hard disk, RAM, ROM, CD-ROM driver, USB port, power supply device, communication modem, input device (keyboard, mouse), output device (monitor, printer) required to operate as a computer , Speaker), etc. In addition, the operating system (eg, Windows system) and application programs (eg, real estate global investment software using virtual currency) are installed.

The primary virtual currency disclosure means 310 is a means for raising part of the total funds required to build an apartment through issuance of virtual currency. This is called the first ICO (Initial Coin Offering), and the first ICO is a cryptocurrency based on profit shares. In other words, about 30% of the total fund is raised through the public (i.e., issuance and sale) of the primary virtual currency, and the remaining 70% is raised by the major shareholders to complete the total fund. To this end, the primary virtual currency disclosure means 310 holds and processes the total number of primary virtual currency issued, serial number, issue amount, issue date, current price, encryption information, and the like.

The primary virtual currency account management means 320 stores and manages the number, purchase amount, and current value of the primary virtual currency held by each global consumer 50.

The secondary virtual currency disclosure means 330 is a means for procuring a part of the apartment sales contract by issuing virtual currency. This is called the second ICO (Initial Coin Offering), and the second ICO is a virtual currency based on profitable real estate. The 2nd ICO uses the same unit as the 1st ICO. That is, about 30% of the total number of pre-sale households is procured through the disclosure (i.e., issuance and sale) of secondary virtual currency, and the remaining 70% of the households are distributed to local consumers (10). To this end, the secondary virtual currency disclosure means 330 holds and processes the total number of secondary virtual currency issued, serial number, issue amount, issue date, current price, encryption information, and the like.

The secondary virtual currency pre-sale management means 340 stores and manages the number, purchase amount, and current value of the secondary virtual currency held by each global consumer 50 according to the sale of real estate.

The contract means 350 is a program for modifying, storing, transmitting, and printing contracts and articles of incorporation with global consumers 50 according to issuance of primary and secondary virtual currency.

The block chain cryptographic means 360 is a program composed of a block chain module, an encryption module, a decryption module, a security module, etc. for issuing the first and second virtual currency by encrypting it with a block chain. Therefore, the 1st and 2nd cryptocurrency is a distributed ledger method in which buyers share all ledgers, and such distributed ledgers are blocked every 10 and transmitted to each buyer, making it impossible to counterfeit.

The local consumer management means 370 is a database that manages information of the local consumer 10 who actually visits the sample house and makes a sale contract for an apartment offline. That is, personal information, contract conditions, financial information, etc. of the local consumer 10 are stored and searched.

Example of action

Hereinafter, the operation of the preferred embodiment will be described in detail with reference to the accompanying drawings. 2 is a flowchart of a real estate development investment method using a global stock-type virtual currency according to an embodiment of the present invention. Using apartment sales as an example, the global investment method will be explained in detail. First, a business location in which the apartment is to be located is determined (S300).

Then, a contractor (eg, a construction company) to construct an apartment is determined (S310).

Then, a financial supervisor that provides and manages funds required for apartment construction is selected (S320). These financial supervisors are selected from securities companies, savings banks, and trust companies.

Thereafter, the legal legality of the apartment construction project, environment, education, transportation, financing, profitability, etc. are investigated, and the project is approved by a related agency (eg, the Ministry of Land, Infrastructure and Transport) (S330).

Then, the primary virtual currency disclosure means 310 issues about 30% of the total funds in virtual currency (S340). The issued primary virtual currency is encrypted by the blockchain cryptographic means 360 to ensure safe transactions. Then, the global consumer 50 purchases the primary virtual currency for a small amount through the Internet or a securities-type virtual currency issuing platform. In other words, many global consumers (50) purchase primary cryptocurrency for a small amount (e.g., $1,000, $10,000) compared to the general one-unit sale price, and the amount of cryptocurrency is between $0.5 and $1 per piece. Is issued. Thereby, 30% of the total fund is raised in virtual currency (S350).

The primary virtual currency account management means 320 stores and searches personal information, account information, transaction information, balance, etc. of the purchased global consumer 50.

Then, 70% of the remaining funds required for apartment construction and sales are raised (S360).

Then, various kinds of licenses and permits for the start of construction are completed from local government agencies (eg, city hall, ward office, etc.) (S370).

Then, the construction company begins construction by executing the funds (S380).

In addition, the operator builds a sample house (eg, a model house) and prepares for sale, such as preparing advertisements (S390). In particular, a 3D modeling (virtual space) of a sample house is provided on the homepage of the Internet so that global consumers 50 can access and experience virtually.

Then, the secondary virtual currency disclosure means 330 issues the secondary virtual currency and starts selling it (S400). The issued secondary virtual currency is encrypted by the block chain cryptographic means 360 to ensure safe transactions. The global consumer 50 may own the apartment as a profitable real estate by purchasing the secondary virtual currency (S410). Secondary cryptocurrency is a small amount compared to the pre-sale price of one unit, such as USD 1,000, USD 10,000 or USD 100,000, and can be purchased at USD 1 thousand ($ 1,000), 10,000 units ($10,000), 100,000 units ($10,000), etc. have. Therefore, there may be a large number of equity holders who have invested small amounts of virtual currency within the limit of the sale price of an apartment. These secondary cryptocurrencies use the same unit as the primary cryptocurrency and can be designed with the same value.

Secondary virtual currency sales management means 340 (integrated sales management means that integrates and manages sales through virtual currency and conventional sales) is contract means 350 (smart contract of blockchain system only for sales through virtual currency) The result of the sale of the real estate for which the contract was concluded is statistically stored and stored separately to reflect the normal sale. Personal information, account information, and transaction information of the global consumer 50 are basically encrypted and stored on the blockchain system. do.

Sales contracts (200 out of 300 houses) are made through the secondary virtual currency for a certain period, and after a certain period, the remaining unsold households (100 apartments) are sold through the usual method (S420). That is, the local consumer 10 visits the sample house and checks the location, interior structure, and loan conditions, and then signs a sales contract, and the contractor begins construction of the apartment in earnest (S420). Here, the local consumer 10 is a resident of the neighborhood or a person who wants to sell the apartment, and signs a contract for sale for one or two or more of the apartment.

Thereafter, the apartment is completed, and the local consumer 10 who has made a pre-sale contract pays the balance and then moves in (S430). In addition, rental income is generated by starting lease for the households sold by the global consumer 50. These rental income is distributed by shares by the secondary virtual currency sales management means 340 of the control unit 300.

In addition, the primary virtual currency account management means 320 of the control unit 300 distributes the received profit when the sale is completed according to the stake of the primary virtual currency in the distribution step.

In addition, for the real estate held by the global consumer 50 among the completed real estate, the name, lease, and management are entrusted to the trust company through the'smart contract', a collective term for the integrated contract of the blockchain system, and the trust is registered under the name of the trust company. Is made. Therefore, according to the smart contract, the global consumer 50 can freely trade the coin, which is his real estate stake, and receive rental income according to the stake, but guarantee rental income, one of the core values of this virtual currency. For this reason, it is not possible to claim the right to dispose of real estate. (In the case of ownership, the right of ownership is specified by smart contract regardless of whether it is claimed or not).

In addition to receiving rental income, the global consumer 50 who purchases the secondary cryptocurrency can realize a profit if the asset value of the real estate increases, and the value of the cryptocurrency rises and sells the cryptocurrency.

Detailed description of the preferred embodiments of the present invention disclosed as described above has been provided to enable those skilled in the art to implement and implement the present invention. Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art will appreciate that various modifications and changes can be made to the present invention without departing from the scope of the present invention. For example, those skilled in the art may use the configurations described in the above-described embodiments in a manner that combines with each other. Thus, the invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

The present invention may be embodied in other specific forms without departing from the spirit and essential features of the present invention. Therefore, the detailed description above should not be construed as restrictive in all respects and should be considered as illustrative. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the equivalent scope of the present invention are included in the scope of the present invention. The invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein. In addition, the embodiments may be configured by combining claims that do not have an explicit citation relationship in the claims, or may be included as new claims by amendment after filing.

10: local consumer,
50: global consumer,
100: server device,
120: database unit,
200: Financial supervisor,
210: Constructor,
220: investment bank,
230: Asset management company,
300: control unit,
310: Primary virtual currency disclosure means,
320: primary virtual currency account management means,
330: secondary virtual currency disclosure means,
340: secondary virtual currency sales management means,
350: contract means,
360: Blockchain cryptographic means,
370: Local consumer management means.

Claims (10)

In the investment method of real estate,
The first virtual currency disclosure means 310 discloses at least some of the total funds required for real estate fund execution as a first virtual currency (S340);
A step (S350) in which the primary virtual currency account management means 320 sells the primary virtual currency to a consumer to receive the funds;
Obtaining a loan of unsold remaining funds from the bank and raising the total funds (S360);
Step (S400) of the secondary virtual currency disclosure means 330 to disclose at least a part of the entire sale of the real estate as secondary virtual currency;
Secondary virtual currency sales management unit 340 selling the second virtual currency to the consumer to sell the real estate (S410); And
And the step of distributing, by the control unit 300, the estimated profit of the total funds according to the share of the primary virtual currency, and allocating the rental income of the real estate according to the share of the secondary virtual currency; and Real estate development investment method using global securities-type cryptocurrency. The method of claim 1,
The real estate development investment method using a global securities-type virtual currency, characterized in that the consumer is a global consumer (50) accessible through a network. The method of claim 1,
The real estate development investment method using a global securities-type virtual currency, characterized in that one of apartments, multi-family housing, multi-family housing, pension, hotel, residence, villa. The method of claim 3,
Real estate development using global securities-type cryptocurrency, characterized in that the amount of one coin of the primary virtual currency and the amount of one coin of the second virtual currency are smaller coins than the pre-sale amount of one generation of the real estate. How to invest. The method of claim 1,
The real estate development investment method using global securities-type virtual currency, characterized in that the real estate unsold in the pre-sale step (S410) is sold to a local consumer (10). The method of claim 5,
The real estate development investment method using global securities-type virtual currency, characterized in that the real estate is registered in the name of the local consumer 10 and the name of the real estate operating trust company. The method of claim 1,
At least one of the first virtual currency and the second virtual currency is encrypted by a block chain cryptographic means (360). The method of claim 7,
Real estate development investment method using global securities-type virtual currency, characterized in that the first virtual currency and the second virtual currency use the same unit of money. The method of claim 1,
In the distribution step, the control unit 300 distributes the expected profit according to the share of the primary virtual currency when the sale is completed. The method of claim 1,
In the distribution step, the control unit 300 distributes the rental income of the real estate according to the share of the secondary virtual currency from the beginning of the move-in of the real estate. Way.

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