KR20230102992A - Blockchain-based data storage for real estate beneficiary certificate - Google Patents

Abstract

According to the present invention, a blockchain-based real estate beneficiary certificate data storage device transmits a data block including transaction information to a distributed consensus network in response to the fact that a transaction for a first beneficiary certificate is made between a plurality of users, changes account information of each of the plurality of users based on distributed consensus through the distributed consensus network, and enables a deposit or withdrawal of a fund from a trust account of each of the plurality of users based on the transaction information.

Description

Blockchain-based real estate beneficiary securities data storage device {BLOCKCHAIN-BASED DATA STORAGE FOR REAL ESTATE BENEFICIARY CERTIFICATE}

It is related to a blockchain-based real estate beneficiary certificate data storage device, and more specifically, to a data storage device and data storage method that sequentially stores transaction data of real estate beneficiary certificates in a chain code using blockchain distributed ledger technology. .

A real estate investment trust is a financial product that collects investment funds and invests them in real estate development, sale, rental, and mortgage-backed bonds (MBS), and then distributes profits. They are often referred to as Real Estate Investment Trusts (REITs). REITs are classified into company type and trust type according to the type of establishment. The corporate type is a form of issuing stocks to attract investors, and the stocks are traded by being listed on the stock market. The trust type is a form of issuing beneficiary certificates to attract investors and is not listed. If REITs are used, even small individual investors can indirectly invest in real estate, which requires large amounts of money and is burdened with transaction costs and taxes, through experts. In addition, there is an advantage in that the disadvantages of real estate investment, which are very difficult to liquidate, can be solved through the sale of REIT stocks.

However, REITs only invest in stocks of real estate investment companies, and cannot actually own real estate. In other words, public confidence in real estate transactions for real estate with public confidence is not yet guaranteed, and only indirect investment is possible on the real estate investment platform. Real estate beneficiary certificate information needs to be safely stored with public confidence.

According to embodiments, a data storage device and method for issuing real estate trust beneficiary certificates in an electronic registration method and safely storing transaction details of real estate beneficiary certificates using distributed ledger technology of a block chain can be provided. .

Blockchain-based real estate beneficiary certificate data storage device according to an aspect of the embodiment transmits a data block including the transaction information to a distributed agreement network in response to a transaction for a first beneficiary certificate being established between a plurality of users. and, based on the distributed agreement through the distributed agreement network, account information of each of the plurality of users is changed, and funds are deposited or withdrawn from each trust account of the plurality of users based on the transaction information. can do.

Other aspects, features, and advantages other than those described above will become apparent from the following drawings, claims, and detailed description of the invention.

According to embodiments, real estate ownership information can be provided by safely storing real-time transaction details for real estate beneficiary certificates in a blockchain-based database.

1 illustrates a network environment including a real estate beneficiary certificates trading system according to an embodiment.
Figure 2 is a block diagram showing the elements constituting the real estate beneficiary certificates trading system according to an embodiment.
3 illustrates a distributed network environment of a distributed database according to an embodiment.
Figure 4 shows a block diagram of a real estate beneficiary securities trading system sharing a distributed database with an account management institution according to an embodiment.
Figure 5 shows a flow chart of a method for storing transaction information of real estate beneficiary certificates according to an embodiment.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. However, the scope of rights is not limited or limited by these embodiments. Like reference numerals in each figure indicate like elements.

The terms used in the description below have been selected as general and universal in the related technical field, but there may be other terms depending on the development and / or change of technology, the preference of customary technicians, etc. Therefore, terms used in the following description should not be understood as limiting technical ideas, but should be understood as exemplary terms for describing embodiments.

In addition, in certain cases, there are also terms arbitrarily selected by the applicant, and in this case, the detailed meaning will be described in the corresponding description section. Therefore, terms used in the following description should be understood based on the meaning of the term and the contents throughout the specification, not simply the name of the term.

1 illustrates a network environment including a real estate beneficiary certificates trading system according to an embodiment. Real estate beneficiary securities trading system 100 according to an embodiment may provide a real estate investment trading platform for a plurality of real estate items for sale 10 to a plurality of users 20 . Real estate investment transactions may include transactions such as subscription, purchase, sale, distribution of profits, and liquidation of real estate or partial shares of real estate. The real estate trust company 101 according to an embodiment is based on the public offering subscription information (eg, trust contract) received from the real estate beneficiary securities trading system 100, and the actual real estate (with the investment deposited in the account management institution 103). 10) and own the real estate in the name of the trust company. When the real estate trust company 101 requests electronic registration of beneficiary certificates to the Korea Securities Depository 102 for the purchased real estate, the trust beneficiary certificates are issued by the Korea Securities Depository 102 . Beneficiary certificates for real estate are managed by the Korea Securities Depository 102, and the beneficiary certificates may include information on real estate and owners. The beneficiary certificates may be, for example, Real Estate Digital Backed Securities (DABS).

The real estate beneficiary certificates trading system 100 circulates real estate beneficiary certificates in the market, and can mediate the conclusion of a sales contract when an offer made by a buyer and an offer made by a seller coincide with each other. Upon conclusion of a sales contract, the transaction amount withdrawn from the buyer's account by the account management institution 103 is credited to the seller's account, and beneficiary certificates issued from the seller's account are deposited into the buyer's account. The real estate beneficiary certificates trading system 100 only brokers a transaction for real estate beneficiary certificates, and the actual transaction amount is processed by the account management institution 103 having public confidence, so that the transaction amount can be managed transparently. The account management institution 103 is a subject that creates and manages an individual account for trading real estate income securities, and, for example, a securities company may play its role. The total amount of beneficiary certificate information is periodically issued by the Korea Securities Depository 102 to prevent illegal transactions. In summary, the real estate beneficiary certificates trading system 100 provides only a trading platform for real estate beneficiary certificates, the transaction money is managed by the account management institution 103 that holds investors' personal accounts, and the beneficiary certificates are managed by the Korea Depository Depository 102. can be issued and managed. Individual investors create their own accounts in the account management institution 103, and have legal rights to the real estate as asset changes due to beneficiary certificate transactions are recorded in the account ledger of the account management institution 103.

In various embodiments, a system for providing investment transactions for real assets may be provided. The trading platform for real assets only brokers transactions, the ownership of real assets is owned by the trust company according to the trust contract of investors, the beneficiary certificates for real assets are issued and managed by the Korea Securities Depository, and the transaction amount of real assets may be managed by account management institutions that hold accounts for investors. Real assets may be various types of objects, such as artworks, identifiable virtual contents, works of art, creations, animals, or plants.

Real estate beneficiary certificates trading system 100 according to an embodiment may store transaction execution information for real estate beneficiary certificates in a blockchain-based distributed database on the platform. In various embodiments, the blockchain-based distributed database recording real estate beneficiary certificate information may be shared by the real estate beneficiary certificates trading system 100, the Korea Securities Depository 102, and the account management institution 103.

The real estate beneficiary certificate trading system 100 may broker sales/trading/trading of beneficiary certificates for real estate or real assets. The real estate beneficiary certificate trading system 100 may acquire information according to legal, physical, or accounting due diligence for public offering of real estate or real assets. The real estate beneficiary certificate trading system 100 may prepare and accept a securities report for public offering. The real estate beneficiary securities trading system 100 may disclose an investment prospectus for public offering, and may provide public offering and subscription of securities. The real estate beneficiary certificate trading system 100 may allocate beneficiary certificates for each investor for public offering and notify the investor of the details of the allocation plan. The real estate beneficiary certificate trading system 100 may check the collection of public offering investment money. The real estate beneficiary securities trading system 100 can issue and stock beneficiary certificates (eg, real estate digital backed securities (DABS)), notify the stocking notification, and list the DABS on the trading platform. The real estate beneficiary certificate trading system 100 can execute, manage and notify DABS trades, and manage a trading ledger. The real estate beneficiary certificate trading system 100 may allocate operating income to DABS. The real estate beneficiary certificate trading system 100 can operate, manage, and improve assets, and can manage leases, funds, and budgets. The real estate beneficiary certificate trading system 100 may provide calculation of taxes and dues, and may perform various insurance management. The real estate beneficiary securities trading system 100 may prepare an operation settlement and an operation settlement report for DABS, and may determine dividends according to the operation settlement. The real estate beneficiary certificate trading system 100 can manage a transfer of title, that is, a list of beneficiaries, and can create dividend distribution specifications. For example, it is possible to confirm the woning details of monthly and customer-specific distributions. The real estate beneficiary certificate trading system 100 may disclose an operation report.

The real estate trust company 101 may issue beneficiary certificates for real estate and operate and manage trust property. The real estate trust company 101 may acquire information by conducting legal, physical, and accounting due diligence on real estate, and may prepare and accept a securities report. The real estate trust company 101 may transfer ownership of real estate by concluding a trust contract. The real estate trust company 101 may open an issuer management account in the Korea Depository 102 . The real estate trust company 101 may apply to the Korea Securities Depository 102 for electronic registration of new beneficiary certificates. The real estate trust company 101 is not involved in concluding sales for DABS. The real estate trust company 101 can do asset management, management, and improvement for DABS, and can manage leases, funds, and budgets. The real estate trust company 101 can calculate and pay taxes and dues for DABS, and can manage various insurances. The real estate trust company 101 can prepare an operation settlement and report for DABS, and can transfer dividends according to dividend confirmation. The role of the real estate trust company 101 ends when it disposes of the assets that are the real object of DABS.

The Korea Securities Depository 102 may electronically register new beneficiary certificates in the issuer management account book, and may notify the account management institution 103 of details of electronic registration of the new beneficiary certificates. The Korea Securities Depository 102 can manage the total amount of beneficiary certificates at any time for changes in transactions (trading).

The account management institution 103 may open a financial account for the user's electronic device 20 in a non-face-to-face manner. The account management institution 103 may manage the total amount of investor deposits and beneficiary certificates. The account management institution 103 may collect the subscription deposit in advance for the real estate subscription public offering and deposit it into the trust account of each investor. The account management institution 103 may electronically register in the customer account book, and allocate and stock according to issuance of beneficiary certificates. The account management institution 103 may manage the total amount of beneficiary certificates and DABS. The account management institution 103 may perform alternative settlement between accounts (eg exchange of securities and money). The account management institution 103 may manage the trading ledger and manage the total amount of beneficiary certificates and DABS according to trade execution. The account management institution 103 may pay receipt and distribution of dividends according to real estate management and dividends. The account management institution 103 may report withholding tax.

Figure 2 is a block diagram showing the elements constituting the real estate beneficiary certificates trading system 100 according to an embodiment. The real estate beneficiary securities trading system 100 may include a service application system 110, an exchange system 120, and a blockchain-based distributed DB 130. The real estate beneficiary securities trading system 100 receives a transaction (order) request from the user's electronic device 20, can execute a transaction, and the real estate trust company 102, the Korea Securities Depository 103, and the account management institution ( 104) to realize completed transactions on beneficiary certificates.

The service application system 110 may create and manage applications that provide transaction services for real estate beneficiary certificates. The service application is produced and distributed in the form of an application that provides functions related to trading of various real estate beneficiary certificates using a user UI, and can be installed and operated on the user electronic device 20 of a person who wants to trade beneficiary certificates such as subscribers and investors. there is. The service application system 110 may provide a member management function, an account management function, a deposit and withdrawal management function, a beneficiary certificate issuance/dividend/disposal management function, and an investment product information management function.

The exchange system 120 may provide a platform through which users can buy/sell with mutually subscribed real estate beneficiary certificates. In the exchange system 120, conclusion information (transfer of ownership, etc.) can be sequentially stored in a blockchain-based distributed DB as coins are moved. In one embodiment, the exchange system 120 may receive one or more order requests and execute a trade execution when the quantity, price, etc. of the order match, for example, when buy/sell orders match. It is possible to manage an order book that stores order information received before a transaction is concluded. The order book may be stored in an RDB on the exchange system 120. Separately, when the transaction is completed, transaction information on beneficiary certificates may be stored in the blockchain-based distributed DB 130. The exchange system 120 may provide an order book management function, a trade execution function, a market price management function, and a time-series data management function according to orders/transactions. The exchange system 120 may execute trade execution in the memory for quick processing when executing trade execution for order information stored in a relational database (RDB). In an embodiment, the exchange system 120 records log data of order information in the RDB while the trade is being executed on the memory, that is, before the trade is concluded, and if an error occurs before the trade is completed, the log data is stored. It can be loaded back into memory and executed again.

The blockchain-based distributed database 130 may store transaction details (eg, sales contracts, etc.) according to transaction times of real estate beneficiary certificates. It is possible to prove the change in ownership according to the transaction details of real estate beneficiary certificates recorded in the blockchain-based distributed DB 130. The blockchain-based distributed DB can store the chain code that records the transaction history of the user authenticated by the electronic identity certificate (Certificate Authority) in the peer node.

3 illustrates a distributed network environment of the distributed database 130 according to an embodiment. In various embodiments, the blockchain-based distributed database 130 constitutes a distributed consensus network 300 including a plurality of peer nodes 301 connected to each other. The peer node 301 may be referred to as a data block including beneficiary certificate information. The distributed database 130 transmits the data block 301 including the beneficiary certificate transaction information to the distributed agreement network 300 to request a distributed agreement, thereby storing the beneficiary certificate information. Integration of the Distributed Agreement Network 300 When the distributed agreement is achieved, for example, the account management institution 103 may issue beneficiary certificates from the seller's account and deposit the issued beneficiary certificates into the buyer's account.

4 shows a block diagram of a real estate beneficiary securities trading system 100 that shares an account management institution 103 and a distributed database 130 according to an embodiment. Real estate beneficiary certificates trading system 100 according to an embodiment may store beneficiary certificate data changed according to the transaction of real estate beneficiary certificates in a blockchain-based distributed database. The blockchain-based distributed database 130 may sequentially store beneficiary certificate data in peer nodes. The beneficiary certificate data may include data related to rights such as owner, share, amount, transaction date, etc. according to ownership change. Based on the beneficiary certificate data stored in the distributed database 130, it is possible to check the right change information of the real estate itself. Funds are actually withdrawn from the buyer's account by the account management institution 103, and beneficiary certificates issued from the buyer's account are deposited into the buyer's account at the same time. In various embodiments, the account management institution 103 may have a separate database, and may share the distributed database 130 of the real estate beneficiary securities trading system 100 as shown in FIG. 4 . Referring to FIG. 4, the real estate beneficiary certificates trading system 100 and the account management institution 103 share the same database, so that the real estate beneficiary certificates trading system 100 provides the account management institution 103 with transaction details for beneficiary certificates. There is no need to transmit, and data leakage and loss that may occur in the case of transmission can be blocked at the source. Even if beneficiary certificate data verification is required, the contents of beneficiary certificates can be verified according to the data recorded in the shared blockchain-based distributed database 130 without the need to check data information stored in a separate database of the account management institution 103. can be verified as such.

Figure 5 shows a flow chart of a method for storing transaction information of real estate beneficiary certificates according to an embodiment.

In step S510, the real estate beneficiary certificates trading system 100 may transmit a data block including the transaction information to the distributed agreement network in response to the establishment of a transaction for the first beneficiary certificates between the first user and the second user. there is. The first beneficiary certificate is electronically issued by the Korea Securities Depository 102 for ownership owned by the trust company 101 according to a trust contract for real estate or real assets. The transaction information may include at least one owner, share, amount, or transaction date and time data according to a change in ownership of real estate or real assets for the first beneficiary certificates. The distributed consensus network can be shared with the account management institution 103.

In step S520, the real estate beneficiary certificates trading system 100 may change account information of the first user and the second user based on the distributed agreement through the distributed agreement network.

In step S530, at the request of the real estate beneficiary certificates trading system 100, the account management institution 103 transfers funds from the trust account of the first user to the trust account of the second user based on the transaction information. can The trust account of the first user and the trust account of the second user may be opened through an account management institution, and the trust account ledger may be managed by the Korea Securities Depository.

The embodiments described above may be implemented as hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate (FPGA). array), programmable logic units (PLUs), microprocessors, or any other device capable of executing and responding to instructions. A processing device may run an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of software. For convenience of understanding, there are cases in which one processing device is used, but those skilled in the art will understand that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it can include. For example, a processing device may include a plurality of processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.

Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. The device can be commanded. Software and/or data may be any tangible machine, component, physical device, virtual equipment, computer storage medium or device, intended to be interpreted by or provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. Software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program commands recorded on the medium may be specially designed and configured for the embodiment or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. - includes hardware devices specially configured to store and execute program instructions, such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with limited examples and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved. Therefore, other implementations, other embodiments, and equivalents of the claims are within the scope of the following claims.

10: real estate
20: user electronic device
100: real estate beneficiary securities trading system
110: service application system
120: exchange system
130: Blockchain-based distributed database
101: real estate trust company
102: Korea Securities Depository
103: account management institution

Claims (15)

In the method of storing real estate beneficiary certificate transaction information,
A first step of transmitting a data block including the transaction information to a distributed agreement network in response to a transaction for the first beneficiary certificate being established between the first user and the second user;
a second step of changing account information of the first user and the account of the second user based on the distributed agreement through the distributed agreement network; and
A third step of transferring funds from the trust account of the first user to the trust account of the second user based on the transaction information.
How to include.
According to claim 1,
The second step,
issuing the first beneficiary certificates from the account of the first user; and
The method further comprising the step of receiving the first beneficiary certificates issued from the account of the second user.
According to claim 1,
The method further comprising opening the trust account of the first user and the trust account of the second user through an account management institution.
According to claim 1,
A method for enabling the distributed consensus network to be shared with an account management institution.
According to claim 3,
A method in which the trust account ledger of the account management institution is managed by the Korea Securities Depository.
According to claim 1,
The method of claim 1, wherein the first beneficiary certificate is electronically issued by the Korea Securities Depository for ownership owned by a trust company by a trust contract for real estate or real assets.
According to claim 1,
The transaction information includes at least one owner, share, amount, or transaction date and time data according to a change in ownership of real estate or real assets for the first beneficiary certificates.
A computer readable non-transitory recording medium storing a computer program including at least one instruction for executing the method of storing real estate beneficiary certificates transaction information according to any one of claims 1 to 7 by an electronic device.
In the blockchain-based real estate beneficiary certificate data storage device,
In response to a transaction for the first beneficiary certificate being established between a plurality of users, transmitting a data block including the transaction information to a distributed agreement network;
Based on the distributed agreement through the distributed agreement network, the account information of each of the plurality of users is changed, and based on the transaction information, a block allowing funds to be deposited or withdrawn from each trust account of the plurality of users. Chain-based real estate beneficiary certificate data storage device.
According to claim 9,
The trust account of each of the plurality of users is opened through an account management institution,
The distributed consensus network is a blockchain-based real estate beneficiary certificate data storage device to be shared with the account management institution.
According to claim 10,
Blockchain-based real estate beneficiary certificate data storage device for allowing the account management institution to deposit or release funds from each trust account of the plurality of users based on the transaction information.
According to claim 10,
A blockchain-based real estate beneficiary certificate data storage device that allows the trust account ledger of the account management institution to be managed by the Korea Securities Depository.
According to claim 9,
Blockchain-based real estate beneficiary certificate data storage device that allows the account information of the plurality of users to be changed in response to the change details of the first beneficiary certificate reflecting the transaction information.
According to claim 9,
The first beneficiary certificate is a blockchain-based real estate beneficiary certificate data storage device that is electronically issued by the Korea Securities Depository for ownership owned by a trust company by a trust contract for real estate or real assets.
According to claim 9,
The transaction information is a blockchain-based real estate beneficiary certificate data storage device that includes at least one owner, share, amount, or transaction date data according to a change in ownership of real estate or real assets for the first beneficiary certificate.

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