WO2018199586A1 - Real-estate joint-pool service system and method - Google Patents

Real-estate joint-pool service system and method Download PDF

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Publication number
WO2018199586A1
WO2018199586A1 PCT/KR2018/004727 KR2018004727W WO2018199586A1 WO 2018199586 A1 WO2018199586 A1 WO 2018199586A1 KR 2018004727 W KR2018004727 W KR 2018004727W WO 2018199586 A1 WO2018199586 A1 WO 2018199586A1
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Prior art keywords
information
housing
user
non
residential
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PCT/KR2018/004727
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French (fr)
Korean (ko)
Inventor
윤덕규
윤호원
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윤덕규
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Priority to KR10-2017-0052338 priority Critical
Priority to KR20170052338 priority
Priority to KR1020180042077A priority patent/KR20180119111A/en
Priority to KR10-2018-0042077 priority
Application filed by 윤덕규 filed Critical 윤덕규
Publication of WO2018199586A1 publication Critical patent/WO2018199586A1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Investment, e.g. financial instruments, portfolio management or fund management
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/16Real estate

Abstract

The present invention relates to a real-estate joint-pool service system and method and, more specifically, to a real-estate joint-pool service system and method by which non-resident securities issued via a trust company are paid to the non-resident-securities-related account of an owner, the trust company dividing real estate, left in trust therewith by a user, into resident shares and non-resident shares for issuing the non-resident securities, and which provide a joint-pool service for providing support so as for goods or services of a seller to be purchased using the non-resident securities as standard money, and which secure residential stability by recognizing a right of residence for the real estate of the user via the resident shares and, at the same time, boost investment for creating profits by reducing the burden of funds, invested in the real estate by the user, via the non-resident securities, and can improve the liquidity of the funds invested in the real estate by helping to reduce interest on a loan used at the time of purchasing the real estate.

Description

Real estate pool service system and method

The present invention relates to a real-time pool service system and method, and more particularly, to owners of non-residential shares issued through a trust company that divides the real estate that a user trusts in a trust company into a non-resident share for the issuance of a residential share and a non-resident share. Real estate joint pool service that can improve the liquidity of funds invested in real estate by paying to non-resident equity related accounts of the company and using the non-residential equity right as the currency to support the purchase of goods or services of sellers. System and method.

Currently, a real estate service system is provided that provides various services related to the transaction of real estate online through a communication network, and through this real estate service system, convenience of transactions between buyers and sellers is increased.

In addition, the existing real estate service system also provides a loan service that secures the real estate, thereby increasing the convenience of setting up collateral for the real estate and easily secured loan funds through which the owner can use various loans. Support investment in

In addition, with the recent surge in charter agreements, the real estate service system supports owners to easily find the tenants of the real estate, and provides a service system in which the tenant introduces the investment place of the charter funds paid to the owner.

However, such a conventional real estate service system is only to move the transactions generally performed off-line to online transactions using a simple communication network, there is a problem that it is difficult to expect an expansion in the market size because the trading target is limited to real estate.

In other words, the existing real estate service system merely guarantees the convenience of simple transaction linkage or the establishment of collateral for real estate, and there is a limit in supporting the owner to use the real estate based on the real estate for other goods or services. have.

However, owners can secure and use funds through loans or charter agreements with real estate as collateral, but in the case of loans, interest burden increases and investments using charter funds are limited by the term of the charter agreement. There is a significant limitation in the management of real estate.

In addition, most of the investment funds have recently been concentrated on real estate, which has led to long-term investment funds tied to real estate that requires large purchases and charter contracts, resulting in a steady decline in liquidity. It is causing a slowing problem.

In addition, the concentration of investment funds on real estate is causing an abnormal price increase in real estate, which is increasing the number of borrowers who buy a real estate in anticipation of an increase in the price of the real estate. Due to the pressure of buyers, buyers who buy real estate will be able to reduce their spending, which will result in a lack of fund rotation in markets other than the real estate market.

In addition, due to the concentration of investment in real estate, the rent is also rising, so that a homeless person must invest a considerable amount of money for a simple lease and cannot secure the stability of the rent that has been invested due to the renting of a house with excessive loans. Is occurring additionally.

Therefore, by developing a new market that can activate funds invested in real estate, and through the market to support the trading of not only real estate but also various goods or services to secure liquidity of funds invested in real estate, domestic and corporate There is a demand for the development of a new system that can stimulate the economy and support the stable living in the housing even with low funds.

The present invention divides the real estate of a user who trusts a real estate to a trust company into a residential stake for the right of ownership and a non-residential stake for issuance of a housing bond that is an anonymous bond for the real estate, and the housing securities corresponding to the non-resident share It provides a new market for common pool services that can be issued and paid to owners, and the corresponding housing securities can be traded as money to purchase sellers' goods or services, thereby securing liquidity for funds invested in real estate. Its purpose is to support stable residence in housing even with a small amount of funds to promote housing stability and economic revitalization.

Real estate joint pool service including a trust server performing a management trust for a user trusted house according to an embodiment of the present invention and a service server for communicating through a communication network with a seller terminal of a seller selling goods for goods or services The system includes house trust information for the plurality of non-residential shares related to the house issued in correspondence with the remaining share except the user's share of the house, and the share ratio of the share of the house and the remaining share. Communicate with the trust server that transmits the equity information to the service server and the user terminal and the seller terminal of the user to register a non-residential interest related account corresponding to each of the user and the seller, and upon receiving the home trust information and the equity information, Non-residential interest of the user according to the housing trust information Register the plurality of non-residential shares in a related account, and transmit market information about the common pool market for trading the goods between the user and the seller to the user terminal and the seller terminal, and based on the market information, the user and the seller. It may include a service server for transferring a non-residential equity right corresponding to the sale price of the goods to the seller's non-residential interest related account when the product transaction is concluded therebetween.

The present invention supports the user to trust the real estate to the trust company to occupy the real estate through the residential share of the real estate, and to use the remaining shares of the total share of the real estate except for the residential share to issue non-residential shares, It provides users with a pool of joint services that can be used to purchase goods or services through a market in which a variety of sellers selling goods participate, thereby securing liquidity for funds invested in real estate. It is possible to support stable residence in real estate even with subsidized funds, and the funds invested in real estate are provided by providing the market for joint pool service so that the non-residential equity can be used for various purposes such as living expenses for the purchase of various products. Through the market of joint pool services By helping to have sex, the effect of promoting the activation of domestic and corporate match.

1 is a configuration diagram of a real estate pool service system according to an embodiment of the present invention.

2 is a configuration diagram of a real estate pool service system according to another embodiment of the present invention.

3 is a block diagram of a service system constituting a real estate pool service system according to an embodiment of the present invention.

Figure 4 is a block diagram for a server and a terminal constituting a real estate pool service system according to an embodiment of the present invention.

5 to 7 are conceptual views illustrating a process of adjusting a share ratio according to a change in a house price of a service server according to an exemplary embodiment of the present invention.

8 is a conceptual diagram illustrating a stake adjustment process according to a lease setting for a house of a service server according to an exemplary embodiment of the present invention.

9 to 11 are diagrams illustrating an operation of a stake adjustment process of a service server according to a user's debt repayment according to an embodiment of the present invention.

12 is a conceptual view illustrating a method of utilizing cash deposited in a market associated with a pool service of a service server according to an exemplary embodiment of the present invention.

FIG. 13 is a conceptual view illustrating a liquidation cash utilization method according to liquidation of housing securities of a service server according to an exemplary embodiment of the present invention. FIG.

14 is a conceptual diagram illustrating utilization support for investment funds between a user of a service server and an investment target company according to an exemplary embodiment of the present invention.

15 is a conceptual diagram of a blockchain network configuration according to an embodiment of the present invention.

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

1 is a configuration diagram of a real estate pool service system according to an embodiment of the present invention, as shown in the joint pool for the market to be used for the trading of goods, including goods or services as home currency as the main currency ( joint pool) a service operator 50 operating a service 40, a trust company 20 in association with the service operator 50, and a real estate 10 in the trust company 20, the real estate ( 10) is divided into a non-residential stake for issuance of residential shares and housing securities to receive a housing securities corresponding to a non-residential stake and use it through the joint pool service 40, and the user through the joint pool service. (11) may include a seller 70 selling the goods or services.

In this case, the real estate 10 described in the present invention may include various objects such as a house (including an apartment), a building, land, etc., and will be described based on a house for convenience of description.

Prior to the description, the recent real estate 10 also permits issuance of beneficiary certificates, and may be issued either named or bearer. Registered beneficiary certificates are effective only by reporting the change in rights, but bearer beneficiary certificates are effective only if they are held.

Therefore, when the owner (user) 11 who owns the real estate 10 trusts the real estate 10 to the trust company 20, the real estate 10 entrusted by the trust company 20 is the real estate 10 of the owner. Housing shares for the occupancy and housing rights for, and the remaining shares, except for the corresponding housing shares, may be divided into non-residential shares, and the non-residential shares may be issued as housing securities, which are bearer securities.

At this time, the trust company 20 sets the ratio between the relevant residential stake and the non-residential stake to clearly distinguish the right and duty relationship between the residential stake and the non-residential stake, and the user 11 may prevent the mutual rights infringement from the real estate trust company. Enter into a contract with (20) and list each of the rights and obligations in the Real Estate Trust. A real estate trust club is a type of document that describes the requirements of the parties to a contract for real estate trust.

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

The present invention, based on the above, the housing price is significantly reduced to about one-third of the existing price, about 30%, and the housing share is allocated to the user 11 so that the housing security is maintained as before, and the remaining share is about 70%. Seller 70 issues a housing securities for asset securitization, and the service operator 50 sells various commodities such as goods or services, and the housing securities issued by the trust company 20 are used as standard currency. By providing public pool services (40) in which the company participates, allowing stakeholders, such as homeowners (users) and renters, to participate in the pool pool services (40) to purchase necessary goods and services in housing securities do.

Through this, house prices are drastically reduced to one-third of the existing prices, but housing security is guaranteed as it is for the whole house, and the rent and rent problems are fundamentally solved. Securities, such as housing securities that have liquidated their assets, have no interest in the first place. Therefore, the issue of housing securities increases the disposable income without interest burden.

In addition, the present invention can support the user 11 to purchase goods or services of the seller 50 through the housing securities to ensure the liquidity of the funds invested in the real estate 10, through which domestic and corporate You can activate the game.

However, in order for these housing securities to be credible as a payment method or a payment currency, the value of the housing securities must be kept constant, but the value of the real estate 10 is constantly changing. As a result, the price (value) of the non-residential equity that secures the value of the housing securities falls, which causes the price of the housing securities to fall below the issue price.

Therefore, in order to prevent a decrease in the value of the housing securities due to the decrease in the price of the real estate 10, the service operator 50 receives the market price information from the real estate appraisal institution 30, and the above-mentioned value is reduced when the price of the real estate 10 falls. By recovering part of the loss of the non-residential stake in accordance with the decrease in the price of the real estate (10) from the residential share of the user (11), the value of the non-residential stake, the basis of issuance of housing securities, regardless of fluctuation of house prices You can help keep it constant.

In addition, when the price of the real estate 10 rises, if the price of the non-residential equity is more than the issue price of the housing securities, the present invention may restore the stake used for the preservation of the non-resident equity to the residential stake.

In this case, if the price of the real estate 10 rises without the preservation history for the non-residential stake, the housing securities may also increase in value, higher than the issue price, thereby increasing demand.

On the other hand, the service operator 50 uses the housing securities as the main currency, the joint pool service (40) to support the payment of the housing securities in the purchase price or sale price when trading on goods including a variety of goods or services (40) ) Can be provided.

In this way, the service operator 50 may provide the housing securities for various purposes, such as living expenses for the purchase of various products, while guaranteeing the right of residence of the user 11 through the residential share of the user 11. In this way, the funds invested in the real estate 10 may be supported to have liquidity through the market corresponding to the joint pool service 40.

In addition, the service operator 50 supports the user 11 to use the housing securities as living expenses while securing the right to live in the house, so that the user 11 borrows income (income) from the work or external investment. It is used to repay the loans of real estate (10) bought and sold, so that the interest burden can be reduced or invested in the investment manager (90) participating in the fund manager (80) or the joint pool service (40) to generate profit. Can support

At this time, the service operator 50 is linked to the financial institution (financial company) 60 and the trust company (trust company) 20 that paid the loan to the user 11, the user 11 of the loan to the financial institution 60 Each time a part of the repayment is issued through the trust company 20, a new housing securities corresponding to the repayment can be paid to the user 11, thereby increasing the disposable income of the user 11, thereby providing a joint pool service 40. In addition to inducing the active participation of the user 11 in the provided market, it is possible to provide the user 11 with a simple loan repayment to reduce the interest burden of the user 11 according to the loan repayment. .

In addition, the service operator 50 may set a cash account corresponding to the user 11, or set a cash account corresponding to the service operator 50, and the service for the recovery of the housing securities of the user 11 An investment that is deposited in the cash account of the operator 50 or deposited into the cash account of the user 11 through the liquidation procedure for the housing securities and flows into the service operator 50 to participate in the pool service 40. The cash held by the service operator 50 while supporting the trading of various products in the pool service 40 by using it to purchase products of sellers who are lukewarm in investing in the target company or participating in the market providing the pool service 40. Profit can be generated by operating

In addition, the service operator 50 secures cash through the above-described profit generation and sells various products purchased through cash to the joint full service 40 to ensure liquidity, cash flow, and stability as a home currency. Increasing the attractiveness of the market related to the joint pool service (40) to induce continuous participation of sellers and users, thereby continually expanding the market size, and at the same time, Providing consumer-related information that can afford to buy products can convince the seller to attract market appeals, which in turn can induce a number of sellers to actively participate in the market.

Through this, the service operator 50 can continuously and stably expand the market size related to the joint pool service 40 based on housing securities.

In particular, the service operator 50 purchases a product in an external market that is not provided in the joint pool service 40 by cash, secures a stake in the housing through housing securities by paying a sales securities by attaching a profit when selling the product. Can also generate lasting profits.

On the other hand, the configuration of FIG. 1, the owner 11 applies to the trust of the housing and non-residential share of the house 10 to the trust company 20 as a beneficiary, and in the case of non-residential interest, the profit through the trust company 20 For example, after issuing housing securities by issuing securities, they are used. However, in this case, the owner 11 must ask the trust company 20 to issue a management trust and beneficiary certificates for the non-residential interest, and the fee is doubled. In addition to the problem of high cost, the housing securities are used for various purposes through the joint full service (40), and these housing securities are distributed among various users. There is a problem in that a lot of effort and cost may be incurred each time.

Therefore, as shown in FIG. 2, the owner 11 of the housing 10 applies a management trust to the trust company 20 as a beneficiary, and the service operator 50 (or the household) for the non-residential interest. (Trust transfer under trust law) and the beneficiary for the non-residential interest entrusted to the trust company 20 by the service operator 50 as the owner (11) of the house (10). Apply and deposit the house value corresponding to the relevant non-residential interest to the owner value account opened to the owner (11). Such a house value amount can be obtained through the real estate appraisal institution 30 as described in FIG. Determined and can be adjusted).

In this way, if the beneficiary applies for the management trust to the trust company with the beneficiary as the original homeowner 11, the homeowner 11 can be guaranteed the safety of the entrustment of his non-residential interest, and the beneficiary certificate that a fee is generated. Instead of issuing, the amount available in the pool 40 can be used as a house value account, and the non-resident equity of the non-residential shares of all the houses 10, that is, the owner of the trust, becomes the service operator 50. Even if the amount corresponding to (the amount corresponds to the real share linked to the actual non-residential stake) is not required to change the trust.

The amount deposited for the non-residential housing value is linked to the actual non-residential interest, for example, the amount 1 of the account may be equivalent to 1 won in the converted value of the non-residential interest, and is issued 500 million won, which is 50% of the non-residential interest of 1 billion houses. If the non-residential housing value is 500 million units (units used in joint pools, such as coins and pools), each amount can be matched to the real non-residential equity. In other words, the amount 1 paid for the house value may correspond to the real one-fifth of the real house, which is equivalent to a simple virtual currency or cryptocurrency and other real money or real shares. It is completely different from the distribution method that is unstable by value.

Hereinafter, a description will be given of a method of maintaining the value of a specific stake, a liquidation method, and a method for providing a pool service for providing a pool service. Housing 10 can be divided into residential and non-residential shares as described above, and non-residential shares can be distributed through housing value deposits by housing securities or consignment. For example, housing securities will be described. However, whether to use housing securities or non-residential housing value by non-resident equity entrustment will be explained based on housing securities because the designer can choose to consider implementation convenience, reliability, reduction of trust fee, and simple change of trust. However, this can be implemented by substituting the value of the house value by the non-resident equity entrustment. In addition, a housing security account may be considered the same as a housing value account.

On the other hand, the target for the distribution of such non-residential shares can be described as non-residential equity that includes 'housing securities', 'housing value amount'.

Based on the above-described configuration, a detailed configuration of a real estate pool service system according to an embodiment of the present invention through the following drawings will be described.

3 is a block diagram of a service system 100 corresponding to a service operator in a real estate pool service system according to an embodiment of the present invention, Figure 4 is a block diagram of a real estate pool pool service system according to an embodiment of the present invention .

First, as shown in FIG. 3, the service system 100 may include a service server 110 and a DB unit 120, and the DB unit 120 is included in the service server 110. May be

In addition, as shown in FIG. 4, the service server 110 of the service system 100 may communicate with an external server 31 corresponding to a real estate valuation institution that provides real estate price information by evaluating real estate through the communication network 45. In addition, the financial institution server 61 providing the financial loan to the user may communicate with the communication network 45.

In addition, the service server 110 may communicate with the trust server server 21 corresponding to the trust company through the communication network 45, the user terminal 12 of the user having a residential share through the communication network 45 ) And the user terminal 13 of the user holding the home security.

In this case, the user terminal 12 having a residential share and the user terminal 13 of the user holding the house securities may be terminals for the same user or terminals corresponding to different users.

In addition, the service server 110 may communicate with the seller terminal 71 of the seller who sells the goods including goods or services to the user through the communication network 45 through the communication network 45, the investment target The investment target company terminal 91 of the investment target company may communicate with the communication network 45.

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

In addition, the trust server 21 and the residential share of the stake for the occupancy and housing guarantee of the user's house in accordance with a preset share ratio of the user trusting the house or the share ratio according to the contract with the user; The remaining shares, which are non-residential shares for the issuance of housing securities, may be divided, and a plurality of housing securities may be issued in response to the remaining shares.

In addition, the trust server 21 generates share information on the share ratio of the residential share of the house and the remaining stake, and generates house trust information on a plurality of housing securities issued in correspondence with the remaining stake, The equity information and the housing trust information generated according to the issuance of the housing securities for the housing may be transmitted to the service server 110.

In this case, the housing trust information may include the issue price (or issuance price, face value) of the housing securities, the number of issuances of the housing securities, the housing information subject to the security of the housing securities, and the trustee information of the user who trusts the housing. The housing information may include various information such as identification information of the house (for example, an address or a unique code), land support, a dedicated area, and the like.

In addition, the equity information may include a share ratio of the ratio of the remaining shares to the residential share, an valuation amount (value) corresponding to the housing stake, an valuation amount (value) corresponding to the remaining stake, and the like.

In this case, the equity information includes a debt share corresponding to the loan and an valuation amount corresponding to the corresponding debt share, in the case of the house where the house borrows and purchases the loan, and excludes the housing share, the debt share, and the housing share and the debt share. The ratio between shares can be included.

Accordingly, the service server 110 may match the housing trust information and equity information with each other and store the housing trust information and equity information in the housing information DB upon receiving the housing trust information and the equity information.

In addition, the service server 110 may communicate with the user terminal 12 of the user who trusts the house to the trust company, and opens an account according to the account opening request information of the user terminal 12 to the user. Securities account information for the corresponding security account may be generated, and the user's security account information may be stored in the security account DB.

In addition, the service server 110 generates housing security information for each of a plurality of housing related housing securities issued in correspondence with the user based on the housing trust information, and based on trust information according to the housing trust information. Search the securities account DB to identify securities account information corresponding to the user according to the trust information, and store the plurality of housing securities information in the securities account information of the user, and store the plurality of housing securities in the user's securities. It can be put in the account, through which a plurality of housing securities issued corresponding to the user's house can be registered in the user's securities account.

In this way, the service server 110 generates housing securities information for using the housing securities used as the main currency according to the housing trust information through the communication network 45, and uses the housing securities information of the user's securities account. Stored in the information, the housing securities may be received in the user's securities account so that the housing securities may be paid to the user.

At this time, the housing securities information is unique identification information of the housing securities issued through the trust company in accordance with the housing trust information, housing identification information for the house which is the subject of the security of the housing securities, and issuer for the trust company which is the issuer of the housing securities. Information, the trust information, and the like, and the service server 110 may generate each of a plurality of housing securities issued in correspondence to a user's house as housing securities information.

In addition, the service server 110 may set the issue price of the housing security in connection with the trust company server 21, and include the issue price in the housing security information. In this case, the service server 110 may set the issuance prices of all housing securities to the same price (or value).

The process of processing the housing securities in the service server 110 uses the housing securities information and the securities account information. Hereinafter, the housing securities information will be described as the housing securities, and the securities account information will be described as the securities accounts.

On the other hand, the service server 110 uses the housing securities as the main currency, and the transaction using the housing securities so that the user can purchase goods of sellers selling goods such as goods or services using the housing securities. It provides a market for the joint pool service for the user, and transmits the market information about the joint pool service to the user terminal 12 and the seller terminal 71 of the seller.

In this case, the service server 110 may communicate with the plurality of different user terminals 12 and the plurality of different seller terminals 71 through the communication network 45.

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

In this case, the service server 110 may include a separate product DB in which the product information of the seller and the web site related information are stored.

In this way, the service server 110 corresponds to the seller when receiving the purchase information for purchasing the seller's goods from the user terminal 12 accessing the web site to the purchase information from the user's user security account One or more housing securities corresponding to (equivalent or equal in value to) the purchase amount may be extracted.

In addition, the service server 110 may generate the security account information of the seller corresponding to the seller and store it in the security account DB, and store one or more housing securities extracted in correspondence with the purchase information to the security account of the seller. By storing and receiving the goods, it is possible to support the user to pay the seller (purchase price or purchase price) of the purchased goods through the housing security.

That is, the service server 110 transfers one or more housing securities corresponding to the selling price (purchasing price) from the user's security account to the seller's security account in order to complete the product transaction processing. Can be.

Through the above-described configuration, the present invention supports the user to trust the house to the trust company to occupy the house through the housing stake of the house and to use the remaining share of the total share of the house except for the housing stake for issuance of the housing securities. In addition, by providing the housing securities stored in the user's account to be used to purchase the goods or services of the seller, the liquidity of the funds invested in the real estate can be secured, and the user can reliably live in the house even with a small amount of money. To support them.

In addition, the present invention provides a new pooled service related market in which housing securities issued on the basis of housing are used to trade goods between the user and the seller, so that the user may use some of the real estate investment funds for such purposes as living expenses. In addition to providing investment funds, users can secure funds based on the income earned by the user, while the funds are not concentrated on the real estate, thereby greatly improving the users' use of funds.

On the other hand, the embodiment has been described based on the housing securities, but can be configured to provide the same function by using the non-resident equity home value amount and house value account by non-resident equity entrustment.

Based on the above-described configuration, the detailed configuration and operation of the service server 110 according to FIG. 3 will be described. As shown, the service server 110 and the DB unit 120 may be included, and the service server ( 110, as shown, the trust server linkage unit, real estate evaluation information check unit, housing securities management unit, equity adjustment unit, alarm unit, interface unit, debt repayment processing unit, securities account replacement unit, marketing information processing unit, cash management unit, registration unit and control unit It may include.

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

The controller may include a RAM, a ROM, a CPU, a GPU, and a bus, and the RAM, a ROM, a CPU, a GPU, and the like may be connected to each other through a bus. The CPU may access a storage unit separately configured in the service server 110 or the storage unit configured to perform booting by using an operating system stored in the storage unit, and may execute various programs, contents, data, etc. stored in the storage unit. Various operations described in the present invention can be performed.

In addition, the service server 110 may be linked with the DB unit 120, the DB unit 120 may include a security account DB, cash account DB, housing information DB, user DB, seller DB, and the like. .

In this case, the DB unit 120 may be configured in the service server 110.

The controller may communicate with the user terminal 12 and the seller terminal 71 through the interface unit.

In addition, the control unit may provide the user information received through the interface unit, seller information and goods or services related goods sold by the seller to the register, the register unit stores the user information in the user DB, seller information And information on goods or services related to the products sold by the seller in the seller DB.

The control unit may provide the account opening request information to the register upon receiving the account opening request information for the account opening request from any one of the user terminal 12 and the seller terminal 71, and the registration unit requests the account opening request. After generating the account information corresponding to the user or the seller in response to the information can be registered and stored in the security account DB or cash account DB.

In this case, when the account opening request information is a request for opening a securities account, the controller may generate and register the securities account information in the securities account DB and store the request for opening a cash account. In this case, the cash account information can be generated and registered and stored in the cash account DB.

Through this, the control unit may open and register a cash account and a securities account for each user in association with a register, and register and open a cash account and a securities account for each seller.

The trust server interworking unit may receive the housing trust information and equity information related to the house trusted by the user from the trust server server 21 and provide the same to the controller, and the controller may match the housing trust information and the equity information to each other. Can be stored in the housing information DB.

The real estate evaluation information checking unit may communicate with the external server 31 to receive the price information of the user's house, and provide the price information to the controller, and the controller may provide the price information to the housing information DB. The housing trust information and the equity information corresponding to the user's house may be matched and stored.

The control unit may provide the housing trust information to the housing securities management unit when the housing trust information is received, and the housing securities management unit corresponds to each of the plurality of housing securities issued in correspondence with the housing of the user based on the housing trust information. Generating a plurality of housing securities information, and matching the plurality of housing securities information to the securities account information of the user corresponding to the housing trust information in the securities account DB and storing the plurality of housing securities information in the securities account DB. Housing securities issued in response to the housing can be put into the user's security account.

In this case, the controller may store the plurality of housing security information by including the information on the security account of the user.

The controller may continuously update the user's home-related quote information stored in the housing information DB based on the user's home-related quote information provided periodically or in real time from the real estate evaluation information checker.

On the other hand, the controller controls various operations of the service server 110 described in the present invention, for example, according to the issuance price of the housing securities set in advance when the price of the house is changed based on the market price information and the housing trust information. The housing stake and the equity ratio of the stake information may be updated to maintain the remaining stake.

In this case, the stake adjustment unit receives control information for updating the residential share and share ratio of the stake information from the control unit, and controls the stake information corresponding to the control information in the housing information DB based on the control information Renewal can be made with informational share of housing and share of equity.

In addition, the control unit updates the equity information in response to a decrease in the house price, and if the portion of the housing stake is held in the remaining shares corresponding to the non-residential stake, the control unit generates maintenance history information for this to match the housing trust information and equity information Can be stored in the housing information DB.

The controller may be linked with the equity adjuster when the price of the real estate is increased based on the price information received from the external server 31 after the maintenance is performed according to the maintenance history information. Calculating the present value of the housing securities according to the increase in the value of the remaining shares, and when the present value exceeds the issue price of the housing securities according to the housing trust information, The difference stake corresponding to the difference may be subtracted from the remaining stake, and the difference stake subtracted from the remaining stake may be restored to the residential stake.

In this case, the control unit may set the difference share used for the maintenance of the remaining stake in the house when the difference stake is restored as a housing stake, and adjust and update the share ratio of the house at the time of restoration. This can be done by updating.

In addition, the control unit may be subtracted by reflecting the restored share of the maintenance shares used for the maintenance of the remaining stake according to the maintenance history information, and may delete the maintenance history information when all the maintenance shares are subtracted.

In addition, the control unit may not adjust the stake because the housing securities are also higher value than the issue price due to the increase in the value of the real estate if there is no preservation history for the non-resident equity or there is no preservation stake.

In addition, the control unit checks the user's share information in the housing information DB, and if the residential share ratio (ratio of the share share) corresponding to the housing share of the current share of the share of the share renewal ratio is less than a predetermined reference value; The user terminal 12 may generate notification information (or alarm information) for notifying the shortage of the residential share and provide the generated alarm information to the alarm unit.

In this case, the alarm unit may transmit the notification information to the user terminal 12.

The control unit may be further configured to preset different reference values and notification information in a preset step, and compare the step-by-step reference value with the housing share ratio and provide notification information corresponding to each step whenever the housing share ratio falls below the step-based reference value. The alarm unit may be transmitted to the user terminal 12.

In this way, the control unit divides the degree of risk according to the reduction of the share of the housing in stages, and when the respective stages are reached, the controller provides preset notification information corresponding to the corresponding stages so that the user needs to secure the housing stake based on the notification information. It can be provided to recognize.

In addition, the control unit may provide market information about the market associated with the pool service to the user terminal 12 and the seller terminal 71 through the interface unit, based on the market information in conjunction with the housing security management unit. According to the user's purchase of goods for the seller's goods, the housing securities may be moved (transferred) between the user's securities account and the seller's securities account so that the transaction is processed.

In addition, the control unit relays the transaction between the user terminal 12 and the seller terminal 71, the user of the user in accordance with the collection of the housing securities at the time of collection of the housing securities of the user corresponding to the user terminal 12 The share ratio can be updated according to the share information.

On the other hand, the control unit may receive the housing trust information including the loan information from the trust company server 21 of the trust company when the user who purchased the real estate received the loan and trust the corresponding property to the trust company.

That is, the trust server 21 sets the remaining shares excluding the housing share and the debt share corresponding to the loan among the total shares of the user's house as the shares to be issued by the housing securities, and the plurality of housing securities for the remaining shares. May be issued, and thus the housing trust information and equity information may be provided to the service server 110.

In this case, the equity information may include an equity ratio between the residential stake, the non-residential stake and the debt stake, and an equity valuation amount for each of the residential stake, the non-residential stake and the debt stake.

In addition, the control unit of the service server 110 receives the housing trust information including the loan information through the trust server interlocking unit, a plurality of housing securities for the remaining shares other than the debt share and housing stake corresponding to the user After creating a user can register in the user's securities account.

In this case, when the user repays a part of the loan corresponding to the debt share to the financial company, the financial company server 61 may transmit repayment information about the user's repayment money to the service server 110.

The control unit of the service server 110 may receive repayment information from the financial institution server 61 through the interface unit and provide the repayment information to the debt repayment processing unit. The debt repayment processing unit may identify a user included in the repayment information. Based on the information, the housing trust information and the equity information corresponding to the user can be checked in the housing information DB.

The debt repayment processing unit may calculate a repayment stake corresponding to the repayment amount according to the repayment information, subtract the repayment share from the debt share according to the equity information, and generate a new housing securities corresponding to the repayment share. Receipt can be registered in the stock account of the user stored in the stock account DB.

Also, the debt repayment processing unit may adjust the share ratio according to the equity information by linking with the equity adjustment unit, subtracting the redemption share according to the user's debt repayment from the debt share, and adding the repayment share to the remaining shares corresponding to the housing securities. Can be.

In this case, the trust company server 21 receives the repayment information from the financial company server 61, calculates a repayment interest based on the repayment amount according to the repayment information, issues a new housing security according to the repayment interest, and obtains the equity information. It can be processed in the same manner as the debt repayment processing unit by reflecting the repayment interest, thereby updating the housing trust information and the equity information corresponding to the user's house according to the reflection of the repayment information, updated housing trust information and shares Information may be provided to the service server 110.

In this way, the control unit of the service server 110 updates the existing housing trust information and the existing equity information corresponding to the user's house stored in the housing information DB based on the updated housing trust information and equity information according to the repayment information. And, according to the updated housing trust information, it is possible to generate a new housing securities and put them in the security account of the user.

On the other hand, the financial institution server 61 is a user of the user registered in the service server 110 in accordance with the transfer request when the user requests a cash transfer for the user's cash account registered in the service server 110 for the collection of housing securities Transfer information for transferring the cash requested by the user to the cash account may be transmitted to the service server 110.

The control unit of the service server 110 provides the transfer information to the cash management unit when the transfer information is received through the interface unit, and the cash management unit registers and deposits cash corresponding to the transfer information in the user's cash account. can do.

In addition, when the control unit receives recovery request information for recovering one or more housing securities corresponding to the user's house from the user terminal 12, the control unit stores the user's house among the remaining securities accounts except the user's securities account in the DB. A holder of one or more securities accounts containing housing securities corresponding to and holding home securities corresponding to a user's house to be recovered in response to a collection request based on the collection request information based on the extracted securities account ( Sales request information for inquiring whether to sell the home securities to the holder terminal of the other user, the seller) can be transmitted.

The control unit may receive response information from the holder terminal in response to the sale request information, and the number of securities sellers owned by other users or sellers who agree to the sale of the housing securities based on the response information. Computing a payment amount to purchase one or more target housing securities from the securities seller, and withdraws cash corresponding to the payment amount from the cash account of the user in conjunction with the cash processing unit of the securities seller stored in the cash account DB Transfer to a cash account to complete payment for the sale of the housing securities.

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

In addition, the control unit may be connected to the housing and securities management unit when the settlement is completed to recover the house securities to be recovered from the securities account of the securities seller to transfer to the user's securities account, and may set the recovered housing securities as a residential stake.

In addition, the control unit calculates the value of one or more housing securities recovered each time the user secures a housing stake, the housing securities to be recovered from the accounts of the different sellers are entered into the user's account as a housing stake in conjunction with the equity adjustment unit. Add (add) an additional residential stake in accordance with the value of the recovered housing securities to an existing residential stake according to the user's house related equity information stored in the housing information DB, and share the user's housing related equity information according to the addition of the additional residential stake. It can be renewed by adjusting the residential share and share ratio according to.

In addition, the controller may transmit the stake information to the trust server 21 every time the stake information is updated, whereby the trust server 21 receives the stake information from the service server 110. Existing equity information can be updated based on the above, and through this, the trust company can provide the user with the equity held by the user.

Meanwhile, the controller opens a representative cash account and a representative securities account corresponding to the service operator through a register to generate the representative cash account information and the representative securities account information accordingly, and then registers the securities account DB and the cash account DB, respectively. And can be stored.

In addition, the control unit receives the liquidation request information for recovering and clearing the housing securities corresponding to the user's house held by the seller for the purpose of securing a housing stake or liquidating the housing securities in circulation from the user terminal 12 through the interface unit. Can be received.

The controller may be further configured to identify a liquidation amount for one or more housing securities that the user wants to recover and liquidate based on the liquidation request information, and determine whether a liquidation cash corresponding to the liquidation amount exists in the user's cash account. In the case of the securities account DB, it is possible to identify one or more holders who hold the housing securities corresponding to the user's house.

In this case, the control unit may be configured to obtain the virtual housing securities information of the virtual housing securities corresponding to the housing securities based on the issue price of the housing securities according to the housing trust information of the user corresponding to the liquidation request information and the housing identification information. One or more may be generated according to the liquidation amount, and one or more virtual housing securities information may be provided to the security account substitution unit.

In addition, the securities account replacement unit may identify the account of the securities holder holding the housing securities for the house corresponding to the virtual housing securities information in the securities account DB of the seller or another user, and selected from one or more securities holders. The housing-related housing securities of the user may be extracted from the account information for each selected holder and transferred to the securities account of the user, and the extracted housing securities may be replaced with the virtual housing securities according to the virtual housing securities information.

That is, the security account substitution unit may put the virtual housing security into the account of the selected holder instead of the extracted housing security.

In this case, the control unit may generate and store a plurality of virtual house securities in the representative securities account in advance in association with a securities account substituting unit, and may use the prestored virtual house securities to replace the extracted housing securities.

In addition, when the at least one housing security corresponding to the liquidation amount substituted with the virtual house securities is transferred to the user in association with the securities account substituting unit, the control unit may settle the liquidation cash according to the liquidation amount from the user's cash account. Transfer to a representative cash account.

Accordingly, the controller transfers the cash held in the representative cash account to an account corresponding to the investment target company according to the input information received from the manager of the service operator through the interface unit or the control information received from the external device. The seller DB by investing in the investment target company participating in the market under the joint pool service or purchasing a product in an external market other than the market according to the pool pool service, and generating product information according to the completion of the product purchase. The product information may be registered in the market information, and may be included in the market information and transmitted to the user terminal 12 or the seller terminal 71 so that a user or a seller can purchase a product in an external market through the joint service market. Can provide.

In addition, the controller may sell a product purchased in the external market registered in the seller DB through the joint pool service related market and sell the product purchased in the external market in the market associated with the pool service. If the housing securities are received as a payout, they can be put into the representative securities account corresponding to the service operator.

In addition, the control unit issuing status information including the issuance status of the virtual housing security and the account information for the selected holder whose housing security is replaced with the virtual housing security from the security account DB to the representative security account information of the service operator Can be stored.

In this way, the securities account substituting unit checks the representative securities account and issuance status information of the service operator, in the same housing as the virtual housing securities according to the issuance status information among the housing securities received as the sale price in the representative securities account. If the corresponding specific housing securities exist, the specific housing securities corresponding to the virtual housing securities included in the securities account of the selected holder are transferred from the representative securities account to the securities account of the selected holder based on the issuance status information. The housing securities may be replaced with the specific housing securities to return the temporarily rented housing securities from the selected holders to the selected holders, and the replaced virtual housing securities may be collected and returned to the representative securities account.

Through the above-described configuration, the present invention allows the service operator to generate profit by using the cash paid by the user for the liquidation of the housing securities for investment and purchase of goods in the external market, and at the same time, the housing securities that the user intends to liquidate. Temporarily lease housing securities from the account of the seller holding the payment to the user and receive payment for the purchase of goods purchased from the external market as housing securities, and put the housing securities into the account of the seller who rented the housing securities. The housing securities for the same house as the securities can be returned to the seller, allowing the service operator to utilize the cash paid from the user for various investment purposes during the rental period of the housing securities, thereby increasing the various profits from the secured cash. Joint pool of products purchased from external markets with creation Market attractiveness can be enhanced by offering a variety of products that can be sold through service-related markets and purchased by housing securities.

In addition, the marketing information processing unit of the service server 110 from the seller terminal 71 when receiving a marketing request from the seller based on a plurality of user information stored in the user DB in relation to users participating in the market associated with the pool service The received advertisement information may be transmitted to the user terminal 12 participating in the market to support marketing of a product of a seller.

In addition, the marketing information processing unit generates analysis information about analysis of purchase demands related to the seller's products and analysis of competitive sellers selling products of the same type as sellers, centering on a plurality of market participants including users and sellers. It can be provided to the seller terminal 71, and by providing marketing information, such as advertising information and analysis information to increase the attractiveness of the market can induce a large number of users and sellers to actively participate in the market, market participants You can increase the number continuously.

On the other hand, in the above-described configuration, the control unit stores in the seller DB the web site related information consisting of a plurality of web pages for providing product information of the stored seller of the seller DB or product information on the goods purchased from the external market. The web site related information may be transmitted to the user terminal 12 and the seller terminal 71 as the market information related to the joint pool service.

Through this, the service server 110 may support a user to purchase various products of a seller and an external market through the joint pool service related market.

Various operation embodiments of the service server 110 based on the configuration of the service server 110 and the real estate pool service system described above will be described with reference to the accompanying drawings.

On the other hand, the real estate joint pool service system according to the present invention can reduce the reliability of the market when the value of the housing securities in accordance with the decrease in housing prices, can provide a configuration for preventing this, the configuration described above This will be described with reference to FIGS. 5 to 7.

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

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

At this time, if the price of the house according to the current market price is lower than the price of the trust at the time of trust, the value of the housing securities (valuation amount) is eroded, and thus, the value of the housing securities paid to the seller as the purchase price of the product decreases. The problem arises.

For example, as shown in FIG. 5 (a), the remaining share of the total share according to the valuation amount of the house occupies 30%, and the remaining share of the housing stake of the housing securities occupies 70% is 3: 7. If the price of the house is reduced as shown in FIG. 5 (b) for the house divided by the share of equity of the house, if the valuation of the house according to the price decrease is adjusted again to the ratio of 3: 7, FIG. 5 (c) As such, the remaining stake in housing securities will decrease from 70% to 56%.

As a result, if the remaining 56 percent of the shares are divided by the number of housing securities issued according to the remaining shares, which account for 70 percent before the price of the house falls, the value of the individual housing securities issued for that house is less than the issue price. Will fall.

As a result, sellers who are paid for housing securities not only incur damages, but also because the value of the housing securities of different houses is evaluated differently according to the price change of each house, thereby lowering the reliability of the home securities. .

Accordingly, the service server 110 of the service system 100, if the housing price is issued so that the value of the issue price of the house securities is issued, the remaining share of the share corresponding to the decrease of the house price in the residential share Can be assigned to ensure that the value of the housing security is maintained.

In more detail, the service server 110 is a housing trust corresponding to the user's house when the user's house price is reduced based on the housing information according to the market price information and the housing trust information received from the external server 31. Information can be extracted from the housing information DB.

Further, the service server 110 may update the housing stake and the equity ratio of the stake information so that the remaining stake according to the issue price of the house securities set in advance is maintained based on the house trust information extracted from the house information DB. Can be.

In this case, the service server 110 may transmit the updated equity information to the trust server 21.

In addition, as shown in FIG. 6, the service server 110 may determine the user terminal when the residential share ratio (residential share ratio) corresponding to the residential share among the current share ratios of which the share ratio is updated is less than or equal to a preset reference value. 12) may transmit notification information for notifying the shortage of the housing stake.

In this way, the user terminal 12 may secure the housing stake by transmitting the collection request information to the service server 110 as described above, and the service server 110 may change the housing share according to the collection request information. At this time, the stake information may be updated, and the updated stake information may be provided to the trust server 21.

For example, as shown in FIG. 7, the service server 110 shows a house having a value of 100 (valuation amount) after the housing securities are issued by dividing the ratio of the remaining shares to the housing shares by 3: 7. As described above, when the price of the house falls from 100 to 80, the value of the total valuation amount of the house 80, which is the value of the remaining shares, decreases according to the share ratio, so that the valuation amount of the remaining shares goes from 70 to 56. Falls.

Accordingly, the service server 110 allocates a portion of the housing shares to the remaining shares to maintain the value of the remaining shares of the total valuation amount of the house due to the decrease in the housing price in order to maintain the value of the housing securities. It is possible to maintain the valuation amount of the shares and to reduce the valuation amount of the housing shares by the amount appropriated to the remaining shares, and calculate the ratio of the share of the remaining shares to the housing shares due to the decrease in the housing shares, The share ratio can be used to update the existing share ratio based on the share information.

That is, as shown in FIG. 7, the service server 110 corresponds to the decrease in the value of the remaining stake so that 70 is maintained when the remaining stake having the value of 70 falls to the value of 56 as the house price decreases. 14 may be deducted from the housing stake, and the housing stake may be reduced by the appropriate share of the remaining shares.

Accordingly, the service server 110 may update the stake information by setting 10 as a housing stake and setting 70 as the remaining stake to the total valuation amount 80 of the house in which the price decrease occurs. By calculating the ratio of the share of the remaining shares to the share of the housing due to the change of the remaining shares, the share ratio of the share information of the house can be updated and adjusted to 12.5: 87.5.

In this way, the service server 110 may update and store the equity information of the housing trust information corresponding to the house stored in the housing information DB when the equity information of the house is updated, and the updated stake information is stored in the trust company server. 21 can be transmitted.

On the other hand, when the service server 110 updates the equity information in accordance with the decrease in the house price, and the portion of the residential stake is retained in the remaining stake that corresponds to the non-resident share, the price of the real estate rises to increase the value of the remaining stake Calculating the present value of the housing securities according to the increase in the value of the remaining shares, and when the present value exceeds the issue price of the housing securities according to the housing trust information, The difference stake corresponding to the difference may be subtracted from the remaining stake, and the stake subtracted from the remaining stake may be restored to the residential stake.

In this case, the service server 110 may set a share used for the maintenance of the remaining stake in the house as a residential share, and update the share by adjusting the share ratio of the house at the time of restoration. Can be done.

In addition, the service server 110 may not adjust the stake because the housing securities are also higher value than the issue price due to the increase in the value of the real estate if the price of the real estate rises in the absence of preservation history for the non-residential stake.

According to the above-described configuration, the present invention supports the user to trust the house to the trust company to occupy the house through the housing share of the house and to use the remaining share of the total share of the house except for the housing share to issue the housing securities. In addition, by providing the housing securities stored in the user's account to be used to purchase the goods or services of the seller, the liquidity of the funds invested in the real estate can be secured, and the user can reliably live in the house even with a small amount of money. In the event of a decline in the value of the housing, the remaining equity holdings of the housing securities may be adjusted to maintain the value of the housing equity, thereby increasing the stability and reliability of the housing securities. have.

In addition, the present invention supports to adjust the equity ratio according to the change in the housing price, to ensure the value of the housing securities commonly used in the market, it is possible to ensure the reliability and stability for the market.

On the other hand, when a user leases a house trusted by a trust company through a lease, etc., the trust company may set a portion of the rental interest of the user's house as the share of the trust beneficiary corresponding to the tenant. Accordingly, the trust server 21 may provide the stake server with respect to the share change according to the lease to the service server 110.

Accordingly, the service server 110 may update the stake information stored in the housing information DB based on the stake information received from the trust company server 21, and the residential share of the user is based on the updated stake information. If the value is less than or equal to the preset threshold, the equity adjustment may be performed. This will be described in detail with reference to FIG. 8.

First, as shown in FIG. 8 (a), the control unit of the service server 110 shares the rent according to the lease from the trust server 21 when a user having a 30% residential share ratio rents a house. Receiving share information on changes, the existing share information stored in the housing information DB can be updated.

In addition, as shown in FIG. 8 (b), the control unit allocates a portion of the user's housing stake to the trust beneficiary (tenant) based on the most recent share information according to the share change. If the ratio is less than or equal to a predetermined threshold value, the notification information may be transmitted to the user to secure a housing stake, and as a result, as shown in FIG. In such cases, the recovered housing securities may be set as residential shares to maintain the ratio of housing shares at the time of issuance of the housing securities.

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

As shown in FIG. 9, the service server 110 of the service system 100 may be configured to receive the trust server from the trust server 21 when the user who borrowed a part of the housing purchase fund from the finance company trusts the house purchased by the trust company. The housing trust information and the equity information reflecting the loan can be received.

At this time, the trust company may divide the entire share of the house into a debt share and the remaining stake corresponding to the housing stake and the loan, as shown in Figure 10 (a), the trust server 21 and the housing stake The housing trust information and the equity information about the house composed of the debt share and the remaining shares may be provided to the service server 110.

In addition, the service server 110 may store the housing trust information and equity information in a housing information DB, and the financial company server of the financial company when the user who owns the housing share of the corresponding home repays some or all of the loans to the financial company. 61 may generate repayment-related repayment information for the amount repaid among the loans for the user's home and provide the repayment information to the service server 110 and the trust server 21 of the service system 100.

In this case, the repayment information may include home identification information, user information, loan information, residual loan information, repayment information, and the like.

Accordingly, as shown in FIG. 10B, the trust server 21 extracts stake information previously stored in association with the housing corresponding to the repayment information based on the repayment information, and repays the repayment from the stake information. The repayment stake corresponding to the repayment according to the information can be reduced from the debt share, and the non-residential stake can be increased by adding the repayment stake to the remaining stake for issuance of the housing securities.

In addition, the trust server 21 may adjust and update the stake according to the existing stake information stored in advance corresponding to the user's house according to the debt share and non-resident share changed according to the repayment stake.

In addition, the trust server 21 may newly issue one or more housing securities corresponding to the user's house corresponding to the valuation amount of the repayment stake, and renewed according to the housing trust information and the repayment stake. Information may be transmitted to the service server 110.

Accordingly, the service server 110 based on the housing trust information and equity information received from the trust server 21 according to the user's debt repayment, the existing house trust stored in the housing information DB corresponding to the user's house Information and existing equity information may be updated, and based on the housing trust information, one or more new housing securities information is generated in response to the newly issued one or more housing securities according to the redemption stake, and the new housing securities information is recalled. It can be included in the user's security account information.

In this way, the service server 110 may be paid by putting the newly issued housing securities into the user's security account in accordance with the user's debt repayment.

According to the above-described configuration, as shown in FIG. 11, the service system 100 increases the non-residential stake corresponding to the housing securities by the share reduced in debt according to the user's debt repayment, and increases the share increased by the non-residential stake. By issuing new housing securities and making them available in the market for joint pool services, users can increase their disposable income by simply repaying their debts and reduce the loan interest of users due to the reduced debt. Can be provided to

In addition, the service system 100 supports the increase of the disposable income of the user through the housing securities, the user through the working share or investment in the state that secured the living rights through the housing share and housing securities through the housing stake Funds can be provided to invest and manage earned income through financial companies or fund managers, which can dramatically improve the scope of user's fund management.

In addition, the service system 100 ensures that the housing securities newly issued through the trust company are continuously introduced into the joint pool service-related market whenever the user repays the loan. Increasing the amount of money in the market, thereby promoting the continued expansion of the market size, and reducing domestic debt due to the repayment of users' debts, will stimulate the domestic economy.

FIG. 12 is an exemplary view illustrating an operation of expanding a market size related to a pool of pool services of a service system 100 according to an exemplary embodiment of the present invention. As shown in FIG. 12, FIG. As described above in the full-service market, cash may be continuously deposited into the representative cash account designated by the service operator or the user's cash account for the purpose of liquidating the user's housing securities or securing a stake.

In addition, the service system 100 may use the cash accumulated in the corresponding cash account to purchase a product of an external market that is not sold in the joint pool service related market, and the product purchased in the external market may be used for the joint pool service related market. It can be sold through the common pool market (eg, shopping mall) provided by.

In this case, the service system 100 may be paid to the housing securities when the goods purchased in the external market sold through the joint pool market to be received in the representative securities account, through which the market for the joint pool service related to the user In addition to the products of sellers participating in the company, the company can provide a variety of products sold in external markets, and can continuously expand the size of products sold.

In addition, the service system 100 may induce a user to continuously flow into the pool pool service market in accordance with the expansion of the pool pool market in accordance with the diversification of sales products, thereby participating in the market pool pool Due to the increase in the number of consumers, the number of sellers participating in the pool service market can be increased by increasing the attractiveness of the pool service market for sellers who sell products only in the external market.

FIG. 13 is an exemplary diagram illustrating a profit generation model according to the operation of cash generated according to the liquidation of housing securities of the service system 100 according to an exemplary embodiment of the present invention. As shown, the service server of the service system 100 ( 110 may receive the clearing request information for recovering and clearing the housing securities in circulation in the market from the user terminal 12 of the user having the housing share of the house as the housing stake, and the liquidation of the user for securing the housing stake. Cash may be deposited into a representative cash account corresponding to the service operator.

Accordingly, when the service server 110 receives the liquidation request information, the service server 110 selects at least one of the securities accounts of the sellers who hold the housing securities of the user, and obtains the housing securities corresponding to the user's house from the securities accounts of the selected sellers. The virtual housing securities may be generated to replace the extracted housing securities, and the virtual housing securities may be received in the securities account of the seller instead of the extracted housing securities.

In this way, the service server 110 may complete the liquidation procedure for the user by paying the housing securities extracted from the securities account of the selected seller in response to the user's liquidation cash.

In this case, the service server 110 may correspond to the liquidation request information as described above to receive the extracted housing securities into the user's securities account, and to set the extracted housing securities as a user's residential share or Delete the extracted housing securities in cooperation with the trust company server 21, subtract the stake corresponding to the extracted housing securities from the remaining stake, and adjust the share ratio according to the equity information corresponding to the user's house. Clearing procedures can be completed.

In addition, the service server 110 may use the clearing cash deposited in the representative cash account to purchase the goods of the external market, the product-related product information purchased from the external market a plurality of different user terminals ( 12) and the seller terminal 71, the product purchased from the external market can be sold to a user or seller participating in the market associated with the pool service.

In this case, the service server 110 may receive the sales price of the goods purchased from the external market as the housing security of the housing corresponding to the virtual housing security, and corresponds to the virtual housing security as described above. If the housing securities are secured, the securities account of the seller holding the virtual housing securities may be replaced with the housing securities obtained through the sale of the merchandise, thereby returning the temporary housing securities to the seller.

In the above-described configuration, the service server 110 may sell the goods purchased from the external market by making a profit, and thus, a plurality of housing securities corresponding to an amount more expensive than the purchase price of the goods purchased from the external market. Can be obtained to help service operators continue to generate profits.

For example, the service server 110 issues and maintains virtual housing securities corresponding to the cash value of 100 million, and 10% (for example, 50 million won) of housing securities for housing A. If A 'buys in cash, some 10% of the securities accounts with housing securities for Housing A may be replaced with virtual housing securities and then provided to A.

That is, the service server 110 extracts a plurality of housing securities h1 corresponding to the housing A from the securities account of the seller A who holds the housing securities corresponding to the housing A, and extracts the plurality of housing securities h1 corresponding to the housing A. Each of the housing securities h1 may be replaced with the virtual housing securities P1 existing in the representative securities account of the service server 110. The housing securities h1 correspond to the housing A from the securities account of the seller B having the housing securities corresponding to the housing A. Extracts a plurality of housing securities (h2), and each of the plurality of housing securities (h2) extracted from the securities account of the seller B as a virtual housing securities (P2) existing in the representative securities account of the service server 110; Can be replaced.

In addition, the service server 110 may receive and pay a plurality of housing securities h1 and h2 extracted from the securities accounts of seller A and seller B corresponding to 50 million won into the securities account of the user.

At this time, the service server 110 will hold 50 million won of virtual housing securities and 50 million won of cash, providing 50 million won of cash to the retailer who is reluctant to receive housing securities, collects goods or services, and then pools If you sell the housing securities worth 60 million won through the market with a slight profit to the participants of the pool, you will have a plurality of housing securities worth 60 million won, which can be put into the representative securities account.

In addition, the service server 110 uses the plurality of housing securities corresponding to 50 million won among the plurality of housing securities corresponding to 60 million won to store the virtual housing securities in the securities accounts of sellers A and B in which the virtual housing securities exist. It can be used to restore virtual housing securities worth 100 million cash and create profits of 10 million won.

In this case, the service server 110 may restore the virtual housing securities existing in the securities accounts of sellers A and B by replacing the housing securities of housing A originally owned by sellers A and B.

Through this, the service system 100 can expect the revenue while inducing the activation of the pool, it is possible to lower the pool pool operating fee.

In addition, the service system 100 may extract the housing securities from the seller's securities account if the cash purchase for the specific housing securities is again made from the user when the housing securities 10 million won corresponding to the profits generated in the above-described manner are held. It is possible to pay the housing securities corresponding to the profits to the users without any need, and to secure the cash for the operation, thereby securing the operating capital and capacity, thereby leading to diversification of profit generation.

Meanwhile, as illustrated in FIG. 14, a user who owns a residential interest in a house may register an investment object registered in the service server 110 of the service system 100 that participates in the market associated with the pool service in a variety of incomes such as earned income. Invest in a company to make money.

In this case, the investment target companies may include various targets such as companies, banks, funds, etc., and investment in the target companies means various types of investments, such as buying stocks or bonds of companies, saving or depositing banks, and buying funds. can do.

In this case, the investment target server 200 of the investment target company may generate investment information regarding the investment funds of the user and transmit the investment information to the service server 110 of the service system 100. 110 corresponds to the investment information according to the investment information of the plurality of housing securities held in the representative securities account corresponding to the investment information and transfer one or more housing securities to the user's securities account to correspond to the investment funds to the user. We can pay housing security to say.

On the other hand, the service server 110 of the service system 100 may generate a profit for cash by investing cash secured through the operation of the housing securities as described above in the investment target company.

In addition, the service server 110 of the service system 100 may receive the investment description information from the investment target companies participating in the joint pool service-related market and store in the seller DB, the investment description information is stored in the user terminal ( 12) and the seller terminal 71 can be provided. In this way, the service server 110 may perform crowd funding for the investment target company for the user and the seller on behalf of the investment target company, and based on the investment description information Through crowdfunding, the user's investment funds and the seller's investment funds may be deposited into a cash account opened in correspondence with the investment target company.

In this case, the service server 110 may match the investor information on the investor (user, seller, etc.) that deposited the funds to the investment target company with the company information of the investment target company and store in the seller DB, the investor information May include information related to the investor and information about the investor's investment funds.

Accordingly, the investment target company performs the business using the investment funds of the user and the seller, and the service server 110 receives the report information related to the accounting or the business report from the investment target company on a predetermined period basis. The terminal may transmit the investment funds to the investment target company (user terminal 12 and seller terminal 71).

In addition, the service server 110 may receive a dividend according to the representative cash account when the investment target company generates profits and dividends, and may deposit the dividend into a cash account of an investor participating in the joint pool service related market. .

In addition, the service server 110 is linked to the trust company server 21 of the trust company in order to secure and manage the funds of the investor investing in the investment target company in the securities such as existing bonds or stocks the investment target It is possible to issue housing securities that cover the assets of the company, and to deposit a plurality of housing securities issued for the investment company corresponding to the investment amount into the securities account of the investor who deposited the investment funds to the investment company.

In this way, the service server 110 can extend the collateral of the housing securities commonly used in the joint pool service market to not only simple real estate but also assets of investment target companies, thereby greatly expanding the size of the pool market. You can.

In the above-described configuration, the user terminal 12 and the seller terminal 71 are a smart phone, a portable terminal, a mobile terminal, and a personal digital assistant having a communication function. : PDA), PMP (Portable Multimedia Player) Terminal, Telematics Terminal, Navigation Terminal, Personal Computer, Notebook Computer, Slate PC, Tablet PC, Tablet PC It may include a variety of terminals such as (ultrabook).

In addition, each component (or module) constituting the service server 110 may be software stored on a memory of the service server 110. The memory may be an internal memory of the service server 110 and may be an external memory or another type of storage device. The memory may also be a nonvolatile memory. Software stored on the memory may include a set of instructions that, when executed, cause the service server 110 to perform a particular operation.

Trust server linking unit, real estate evaluation information confirmation unit, housing securities management unit, equity adjustment unit, alarm unit, interface unit, debt repayment processing unit, securities account replacement unit, marketing information processing unit, cash management unit, register unit constituting the service server 110 and At least some of the controllers may be connected to or included in a microprocessor and a memory connected to each other or configured in the service server 110.

15 is a block chain network application configuration for improving security and reliability of the pooled pool service, and manages and manages a trust account (or a house value account) and a cash account used by users and sellers. Because it is done by the operator, if the reliability of the service operator is low, the reliability of the pool service itself may be lowered. Therefore, a joint pool blockchain network in which homeowners, residential equity owners, non-residential equity owners (housing securities and house value amounts), service operators, and trust companies (trust companies) participate in the joint pool service is formed, and such trust changes, A shared ledger created in a blockchain manner to ensure that all kinds of equity-related changes, including distribution of non-residential shares and changes in equity valuations, cannot be modified in the blockchain network of user terminals, seller terminals, service servers, or trust server nodes. Through this process, security and reliability can be improved. The service server performs all sorts of management described above, but in the event of a stake-related change, it must be registered in the shared ledger, and all participants using the pooled pool service have mutually verified and shared ledgers for the transaction. Such a blockchain may be composed of a private blockchain for user terminals holding housing securities or house value by participating in a joint pool service, and proof of work among other participants (users, sellers, etc.) except the service server. Security can be increased by allowing the selected participants' terminals to generate blocks, either by proof of stake, or by a separately promised method.

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

The above description may be modified and modified by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

Claims (9)

  1. In the real estate pool service system including a trust server that performs a management trust for a trust house of a user and a service server that communicates through a communication network with a seller terminal of a seller who sells goods for goods or services,
    Equity information including housing trust information for a plurality of non-residential shares related to the house issued in correspondence with the remaining equity except the user's share of the total share of the house and the share ratio of the ratio of the house share and the remaining share; Trust server for transmitting to the service server; And
    The non-residential interest related account corresponding to each of the user and the seller is registered by communicating with the user terminal and the seller terminal of the user, and upon receiving the housing trust information and the equity information, the non-residential interest related account of the user is registered according to the housing trust information. Register the plurality of non-residential interests, and transmit market information about the pool market for trading the goods between the user and the seller to the user terminal and the seller terminal, and the product between the user and the seller based on the market information. Service server that transfers the non-residential equity right corresponding to the sale price of goods to the seller's non-residential interest related account when the transaction is concluded
    Real estate joint pool service system comprising a.
  2. The method according to claim 1,
    Further comprising an external server for providing information on the current price of the house,
    The service server updates the housing stake and the equity ratio of the stake information so that the remaining stake in accordance with the issue price of the non-residential right is set in advance when the price of the house is changed based on the quote information and the house trust information. And a notification information for notifying the shortage of the housing stake to the user terminal when the housing share ratio corresponding to the housing stake among the current share ratios of which the share ratio has been updated is less than or equal to a preset reference value.
  3. The method according to claim 1,
    The market information is a real estate pool full service system, characterized in that it comprises a web site consisting of a plurality of web pages for the transaction of the seller's products.
  4. The method according to claim 1,
    The trust company server receives a loan information for the house by communicating with a financial company server that provided a loan in response to the user's house when the house of the user who purchased a portion of the housing purchase loan is trusted; Based on the information, the rest of the total shares except the housing stake and the debt share according to the loan information are set as the remaining shares, and the housing trust information and the equity information according to the housing stake, the debt share and the remaining stake are recalled. Real estate pool service system, characterized in that provided to the service server.
  5. The method according to claim 1,
    When a part of the debt share of the house is repaid to receive the repayment information according to the loan repayment from the financial company server, the trust company reduces the repayment interest according to the repayment information from the debt share, and repays the repayment interest to the remaining stake. Issuing a new non-residential equity right corresponding to the repayment interest, and transmits the housing trust information updated in accordance with the issuance of the new non-residential interest and the equity information updated in accordance with the repayment interest to the service server,
    The service server updates existing housing trust information and equity information corresponding to the house based on the updated house trust information and equity information, and registers the new non-residential interest in the account related to the non-residential interest of the user. Real Estate Joint Full Service System.
  6. The method according to claim 1,
    The service server opens and registers a cash account corresponding to the user, and when receiving the clearing request information for the clearing of non-residential shares registered for the transaction in the common pool market, the one or more according to the clearing request information Withdrawal from the user's cash account with clearing cash corresponding to the total valuation of the housing securities, and used for the purchase of external goods sold in an external market other than the common pool market; Real estate joint pool service system, characterized in that to generate information to register the market information for the market pool and sell the external product.
  7. The method according to claim 6,
    The service server checks the non-resident equity-related account for each seller and extracts one or more non-residential shares from the non-resident equity-related account for each selected holder among one or more holders having non-residential shares of the house corresponding to the liquidation request information. Replacing the non-residential shares with the virtual non-residential shares created in advance corresponding to the house according to the liquidation request information, and transferring the non-residential shares extracted from the non-residential shares related to each selected holder to the non-residential shares related to the user. Real estate pool service system.
  8. The method according to claim 7,
    The service server receives a non-residential right to the sale price of the external goods and puts it in a representative non-residential interest related account set in correspondence with the service server, and the selected holder among the plurality of non-residential interests received in the representative non-residential interest related account. Extracts non-residential shares corresponding to the housing of the virtual non-residential shares entered into the non-residential shares related to the non-residential shares; Real estate pool service system, characterized in that the replacement.
  9. Real estate pool service method of the real estate pool service system including a trust server performing a management trust for a user trusted house and a service server that communicates through a communication network with a seller terminal of a seller selling goods for goods or services To
    The trust company server may provide the housing trust information for the non-residential equity right issued in correspondence with the remaining share of the house except the user's share of the house, and share information including the share ratio of the ratio of the house share and the remaining share. Transmitting to the service server;
    Registering, by the service server, a non-residential interest related account corresponding to each of the user and the seller by communicating with the user terminal and the seller terminal of the user;
    Registering, by the service server, the non-residential interest in the user's non-residential interest related account according to the house trust information upon receiving the house trust information and equity information; And
    The service server transmits market information on the common pool market for trading the product between the user and the seller to the user terminal and the seller terminal, and based on the market information, when the product transaction is concluded between the user and the seller, Transferring the non-residential equity right corresponding to the payout to the seller's non-residential interest related account;
    Real estate joint pool service method comprising a.
PCT/KR2018/004727 2017-04-24 2018-04-24 Real-estate joint-pool service system and method WO2018199586A1 (en)

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KR10-2017-0052338 2017-04-24
KR20170052338 2017-04-24
KR1020180042077A KR20180119111A (en) 2017-04-24 2018-04-11 Joint pool service system and method for real estate
KR10-2018-0042077 2018-04-11

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2006134275A (en) * 2004-11-05 2006-05-25 Shinsei Bank Ltd Method for managing small-scale real estate finance scheme with efficiency and safety
KR20090055424A (en) * 2007-11-28 2009-06-02 주식회사 신한은행 System and method for processing loan by using land compensation money and program recording medium
KR20090068091A (en) * 2007-12-21 2009-06-25 윤현진 Real estate transaction system using real estate securities and method thereof
KR20110006828A (en) * 2009-07-15 2011-01-21 윤호원 Real estate management system and method thereof
KR20110123326A (en) * 2010-05-07 2011-11-15 윤현진 Real estate investment managing system and method thereof

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2006134275A (en) * 2004-11-05 2006-05-25 Shinsei Bank Ltd Method for managing small-scale real estate finance scheme with efficiency and safety
KR20090055424A (en) * 2007-11-28 2009-06-02 주식회사 신한은행 System and method for processing loan by using land compensation money and program recording medium
KR20090068091A (en) * 2007-12-21 2009-06-25 윤현진 Real estate transaction system using real estate securities and method thereof
KR20110006828A (en) * 2009-07-15 2011-01-21 윤호원 Real estate management system and method thereof
KR20110123326A (en) * 2010-05-07 2011-11-15 윤현진 Real estate investment managing system and method thereof

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