KR20190021058A - Service system and method for supporting maintenance of the housing stock value based on real estate trust - Google Patents

Abstract

The present invention relates to a service system for supporting the value maintenance of housing securities based on a real estate trust, and a method thereof. According to the present invention, housing securities issued through a trust company which divides a real estate given in trust by a user into a residential stake and a non-residence stake for issuing the housing securities are paid to a security account of an owner. Also, a common pool service which supports to purchase goods or service of a seller by using corresponding housing securities as standard money is provided, and stake adjustment for maintaining a value of the housing securities is supported to provide a market using the housing securities. Accordingly, the user is supported to use residual securities except for a residential stake among the total stakes of a house to issue the housing securities while occupying the house through the residential stake of the house by giving the house in trust to a trust company. In addition, the housing securities deposited into an account of the user is provided to be used for purchasing goods or service of a seller, thereby securing liquidity for funds invested to a real estate, and also, supporting the user to stably reside in the house with limited capital. Furthermore, a value of the housing securities is maintained by adjusting the residential stake in a state of maintaining the residual stakes securing the housing securities when a value of the house decreases, thereby increasing stability and reliability for the housing securities as standard money.

Description

[0001] The present invention relates to a service system and method for supporting the maintenance of the value of real estate trust-based housing securities,

The present invention relates to a service system and method for supporting the maintenance of the value of real estate trust-based housing securities, and more particularly, to a service system and method for supporting the maintenance of value of a real estate trust based on a real estate trust based on a trust company that divides the real estate into a non-resident equity Provide a joint pool service to provide the owner's securities account to the owner's securities account and to use the corresponding home securities as the normal currency to purchase the goods or services of the seller and to support the equity adjustment to maintain the value of the housing securities The present invention relates to a service system and method for supporting the maintenance of the value of real estate trust-based housing securities that provide a market using housing securities.

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

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

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

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

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

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

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

In addition, the concentration of investment funds in these real estate is causing abnormal price rise of real estate, and because of this, the deposit money is also rising, so that homeless people must invest considerable money for simple lease, There is an additional problem that it can not guarantee the stability of the deposit that the tuna is put into.

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

Korean Patent Publication No. 10-2010-0088419

The present invention divides the real estate of a user who trusts a real estate into a non-resident equity for issuing housing securities, which are bearer bonds for the real estate, and the non-residential equity securities for the real estate, And provides a new market that can be traded as money that can buy the goods or services of the seller, thereby securing the liquidity of the funds invested in the real estate, and at the same time, To support residential stability and revitalize the economy.

In addition, the present invention aims at assuring the reliability and stability of the market by assisting the adjustment of the equity ratio according to the fluctuation of the real estate price and securing the value of the housing securities used in the market.

In addition, the present invention provides the user with information about the housing stake that the user should secure according to the adjustment of the stake ratio, thereby guiding the user to acquire the additional stake, thereby securing the reliability and stability of maintaining the value of the housing securities There is a purpose.

The service system for supporting the maintenance of the value of the real estate trust-based housing security that communicates with the trust company server and the user terminal of the trust company that issue the housing securities for the trusty house according to the embodiment of the present invention through the communication network, A housing registration information for a plurality of housing-related housing securities issued in correspondence with remaining shares excluding the housing stake of the user from the trustee server, and a ratio of the residential stake to the remaining stake A trust server interlocking unit for receiving and storing the equity information including the equity ratio for the home security information and registering the plurality of housing securities in the user account information according to the home trust information, A real estate appraisal information confirmation unit for providing real time information on the real estate, Updating the housing stake and the equity ratio of the equity information so that the remaining equity based on the issuance price of the housing securities set in advance when the price of the housing is changed based on the information and the home trust information, And transmitting the notification information to the user terminal to inform the user terminal of the shortage of the residential stake if the residential stake corresponding to the residential stake is less than a preset reference value.

The controller transmits the market information on the public pool for the transaction using the home security to the seller terminal of the seller who sells the user terminal of the user and the commodity that can be purchased as the housing securities, Upon receipt of the purchase information for purchasing the merchandise from the user terminal, extracts one or more housing securities corresponding to the purchase amount corresponding to the purchase information from the account information of the user corresponding to the seller, And registering the merchandise information in the seller's account information.

As an example related to the present invention, the market information may include a website composed of a plurality of web pages for a transaction of merchandise of the seller.

In an exemplary embodiment of the present invention, the controller relays a transaction between the user terminal and the seller terminal, and when a user corresponding to the user terminal collects the housing securities, And updating the equity ratio.

As an example related to the present invention, the control unit identifies account information of different sellers, identifies a house corresponding to the housing securities from housing securities information of the housing securities held by the seller, And a plurality of home securities held in accordance with the equivalent exchange in the account information of a specific seller are grouped among the same homes.

As an example related to the present invention, the controller identifies a house corresponding to each of a plurality of housing securities included in the account information of the specific seller to determine the distribution of the house number and the housing securities, , And performs the equivalent exchange when the degree of dispersion is equal to or greater than a preset reference value.

According to an embodiment of the present invention, the control unit may be configured to select, based on housing information for each house corresponding to each of a plurality of housing securities included in the account information of the specific seller, One or more preferred houses having housing information corresponding to the area and the housing type are selected, and a house other than the preferred housing is set as the equivalent exchange target.

As an example related to the present invention, the controller may set different reference values and notification information in advance according to preset steps, compare the step-by-step reference value with the residential equity ratio, And transmits the notification information corresponding to the notification information to the user terminal.

A service method for supporting the maintenance of the value of a real estate trust-based housing security in a service server communicating with a trust company server and a user terminal of a trust company, which issue housing securities for a trust house, according to an embodiment of the present invention, The method comprising the steps of: registering user account information corresponding to the user in communication with the user terminal; registering the user trust information corresponding to the plurality of housing securities related to the housing issued from the trustworthiness server, A step of receiving and storing the equity information including the equity ratio of the residential stake and the remaining stake; registering the plurality of housing securities in the user account information according to the housing trust information; Communicating with an external server to obtain quotation information Updating the housing stake and the stake ratio of the stake information so that the remaining stake based on the issuance price of the housing securities set in advance when the price of the housing is changed based on the ticker information and the home trust information; And transmitting notification information for notifying the user terminal of the lack of the residential stake if the ratio of the residential stakes corresponding to the residential stake is less than or equal to a predetermined reference value among the current stake ratios that have updated the stake ratio.

The present invention allows a user to trust a real estate to a trust company to occupy the real estate through a residential estate of the real estate, so that the remaining equity of the real estate, excluding the residential stake, can be used for the issuance of the housing securities, It can provide liquidity to the funds invested in real estate, and at the same time, it can help the user to reside in real estate with small funds securely, by providing the purchased housing securities to be used for purchasing goods or services of seller, The value of the housing securities is maintained by adjusting the housing stake while retaining the remaining stake to secure the housing securities, thereby enhancing the stability and reliability of the home securities as the main currency.

In addition, the present invention provides a new market in which home securities issued based on real estate are traded in a commodity transaction between a user and a seller, so that a user can use some of the investment funds of the real estate to be useful for purposes such as living expenses In addition to the investment funds, it helps to secure the funds according to the income earned by the users, and at the same time, it prevents the funds from concentrating on the real estate, thereby greatly improving the utilization of funds.

In addition, according to the present invention, in order to maintain the value of the housing securities due to the depreciation of the real estate price, notification is made to secure the resident's stake to the user before the exhaustion of the housing stake occurs due to the maintenance of the non- Thus, it is effective to prevent the user from losing possession of the real estate and to provide the residence security by ensuring that the possession right is maintained by maintaining the proportion of the residential stake over a certain period of time.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a configuration diagram of a service system supporting the maintenance of the value of a real estate trust-based housing securities according to an embodiment of the present invention;
2 is a block diagram of a service system supporting the maintenance of the value of real estate trust-based housing securities according to an embodiment of the present invention.
FIGS. 3 to 5 are conceptual diagrams of an adjustment process of the equity ratio of the service system supporting the value of real estate trust-based housing securities according to the embodiment of the present invention.
FIG. 6 is a diagram illustrating an example of providing a joint full service of a service system supporting the value of a real estate trust-based housing securities according to an embodiment of the present invention; FIG.
FIG. 7 is an exemplary view illustrating a process of collecting a home security according to a shortage of a housing stake in a service system supporting the maintenance of the value of a real estate trust-based housing securities according to an embodiment of the present invention;
8 is a detailed diagram of a service system supporting the maintenance of the value of a real estate trust-based housing securities according to an embodiment of the present invention.
FIG. 9 is an exemplary view illustrating a defragmentation process of a service system supporting the maintenance of the value of real estate trust-based housing securities according to an embodiment of the present invention; FIG.
10 and 11 are flowcharts of a service method for supporting the maintenance of the value of real estate trust-based housing securities according to an embodiment of the present invention.
FIG. 12 is a conceptual diagram of a stock adjustment process according to a rental setting of a home service system supporting the maintenance of the value of a real estate trust-based housing securities according to an embodiment of the present invention.

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

FIG. 1 is a configuration view of a service system supporting the maintenance of the value of a real estate trust-based housing securities according to an embodiment of the present invention. As shown in FIG. 1, the housing securities are used as commodity currencies for trading goods including goods or services A trust company 20 associated with the service operator 40 and a trust company 20 trusting and trusting the trust company 20 with the trust company 20, A user 10 who divides the real estate into a non-resident share for issuance of the residence and housing securities and issues the residential securities corresponding to the non-resident stake and uses the same through the common pool service; And a seller 50 who sells the product.

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

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

Therefore, if the owner (user) who owns the real estate trusts the real estate in the trust company, the owner of the real estate entrusted by the trust company (20) , And may issue the unsecured beneficiary securities to the corresponding non-resident securities.

At this time, the trust company (20) establishes the ratio between the residential stake and the non-resident stake to clearly divide the right and the duty relationship between the residential stake and the non-resident stake. In order to prevent the user (10) (20), and registers each of the rights and obligations in the real estate trust. A real estate trust is a kind of document that describes what a contracting party requires in the process of signing a real estate trust contract.

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

Based on the above description, the present invention substantially reduces the house price to about one-third of the existing price, about 30%, allocates the housing stake to the user so that the housing guarantee can be maintained, and the remaining 70% , And the service operator (40) receives the seller securities (50) from the trust company (20) in which the housing securities are used as the common currency and sells various commodities such as goods or services It provides a joint pool service, which enables the buyer to buy the goods and services needed by the stakeholder such as house owner (user) and charterers participating in the joint pool service as asset securitized housing securities.

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

In addition, the present invention assists the user 10 in purchasing the goods or services of the seller 50 through housing securities, thereby ensuring liquidity of the funds invested in the real estate, thereby enabling domestic and corporate economy to be activated .

However, in order for the home securities to have credibility as a means of payment or as a means of payment, the value of the housing securities must be kept constant, but the value of the real estate will continuously fluctuate. The value (value) of the collateralized non-resident equity is lowered and the price of the housing securities falls below the issuance price.

Therefore, in order to prevent the decline in the value of the housing securities due to the drop in the real estate price, the present invention removes a portion of the loss of the non-resident stake from the housing stake of the user (10) , And to help keep the value of non-resident stakes, which are the basis of issuance of housing securities, constant, regardless of fluctuations in house prices.

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

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

Based on the above-described configuration, a detailed operation configuration of a service system for supporting the maintenance of the value of a real estate trust based housing securities according to an embodiment of the present invention to perform the above-described configuration will be described with reference to the drawings.

FIG. 2 is a block diagram of a service system supporting the maintenance of the value of real estate trust-based housing securities according to an embodiment of the present invention. As shown in FIG. 2, The service system 110 includes an account DB 310 for storing the account information of the user and the seller, a home information DB 320 for storing the housing-related housing information that the user trusts in the trust company, And a service server 200 for controlling the home information DB 320. [

At this time, the service server 200 can communicate with the external server 160 corresponding to the real estate evaluation agency through the communication network 130 and the communication network 130 with the trust officer server 120 corresponding to the trust company.

In addition, the external server 160 may transmit the price information of the home price to the service server 200.

In the above-described configuration, the service system supporting the value of the real estate trust-based housing securities may further include the trust server 120 and the external server 160.

In addition, the trust fund server 120 stores the housing of the user who trusts the house in a housing equity ratio for the occupancy of the user's house and the equity for the housing guarantee according to a preset equity ratio or a share ratio according to a contract with the user It is possible to divide it into remaining shares that are non-resident stakes for issuance of the home securities, and issue a plurality of housing securities in accordance with the total issued amount of the home securities in correspondence with the remaining stakes.

In addition, the trust fund server 120 generates equity information on the equity ratio of the housing stake of the house and the remaining equity, generates the housing trust information on the plurality of housing securities issued corresponding to the remaining equity, The service server 200 can transmit the equity information and the home trust information generated according to the issuance of the housing security to the home.

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

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

Accordingly, the service server 200 can match the home trust information and the equity information when receiving the home trust information and the equity information, and store the same in the housing information DB.

Also, the service server 200 can communicate with the user terminal 140 of a user trusting the trust in the house, establishing an account according to the account opening request information of the user terminal 140, The corresponding user account information may be generated, and the user account information may be stored in the account DB 310. [

Also, the service server 200 generates housing security information for each of a plurality of housing related securities issued corresponding to the user based on the home trust information, and based on the trust information of the housing trust information Searches the account DB 310 to identify user account information corresponding to the user according to the trustee information, stores the plurality of housing securities information in the user account information, and transmits the plurality of home securities to the user's account Thereby registering a plurality of home securities issued in correspondence with the user's house in the user's account.

Accordingly, the service server 200 generates home security information for using the home security used as the home currency through the communication network 130 according to the home trust information, and transmits the home security information to the user's account information So that the home security is received in the user's account and the home security is paid to the user.

At this time, the housing securities information includes unique identification information of the home securities issued through the trust company in accordance with the home trust information, house identification information on a house to be collateralized by the housing securities, And the trustee information, and the service server 200 may generate each of the plurality of housing securities issued corresponding to the user's home as the housing securities information.

In addition, the service server 200 may set the issuance price of the housing securities in association with the trust fund server 120, and may include the issuance price in the housing securities information. At this time, the service server 200 can set the issuance prices of all the home securities at the same price.

The process of processing the housing securities in the service server 200 uses the housing securities information. In the following description, the housing securities information is described as housing securities.

On the other hand, the service server 200 uses the home security as the primary currency, and performs a transaction using the home security so that the user can purchase the goods of the seller who sells goods such as goods or services using the home security And may transmit market information on the pool to the user terminal 140 and the seller terminal 150 of the seller.

At this time, the service server 200 can communicate with a plurality of different user terminals 140 and a plurality of different seller terminals 150 through the communication network 130.

Also, the service server 200 may provide the market information as a web site composed of a plurality of web pages, for example, as a market information related to a shopping mall.

At this time, the service server 200 may include a merchandise DB in which merchandise information of the seller and the website related information are stored.

Accordingly, when the service server 200 receives the purchase information for purchasing the merchandise from the user terminal 140 connected to the website, the service server 200 receives the purchase information from the user account information of the user corresponding to the seller One or more housing securities corresponding to the purchased amount (equivalent or equal in value) can be extracted.

Also, the service server 200 may generate merchant account information corresponding to the seller and store the merchant account information in the account DB 310, store the one or more home securities extracted corresponding to the purchase information in the seller account information So that the user can support the payment of the purchased product to the seller through the home security.

That is, the service server 200 may transfer one or more home securities corresponding to the sales price (purchase price) to the account of the seller from the account of the user at the time of payment processing according to the purchase of the goods by the user, .

Accordingly, the service server 200 can provide the user to purchase the merchandise by using the housing securities as money.

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

In addition, the present invention provides a new market in which housing securities issued based on houses are used for commodity trading between a user and a seller, so that a user can provide some of the investment funds of the real estate to be useful for purposes such as living expenses In addition to the investment funds, it can help to secure the funds according to the income earned by the users, and at the same time, it can prevent the funds from concentrating on the real estate, thereby greatly improving the utilization of funds.

On the other hand, the service system supporting the maintenance of the value of the real estate trust-based housing securities according to the present invention may reduce the reliability of the market when the value of the housing securities declines due to the decrease in the housing price, Which will be described with reference to Figs. 3 to 5 based on the above-described configuration.

As described above, the service server 200 can receive, from the external server 160 corresponding to the real estate evaluation agency, the quotation information on the home corresponding to the home trust information stored in the home information DB 320 , The corresponding ticker information may be stored in the housing information DB 320 in correspondence with the corresponding home trust information.

In addition, the service server 200 may compare a house price at the time of a home trust with a house price based on the ticker information, based on the housing information included in the home trust information.

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

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

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

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

Accordingly, if the service server 200 of the service system 110 issues a decrease in the housing price so that the value of the issuance price of the housing securities is maintained, the service server 200 of the service system 110 can calculate the equity value corresponding to the decrease in the housing price, So that the value of the housing securities can be maintained.

In more detail, if the price of the user's house falls on the basis of the price information received from the external server 160 and the housing information according to the home trust information, the service server 200 determines whether the housing trust corresponding to the user's home Information can be extracted from the housing information DB 320.

In addition, the service server 200 may store the remaining stake based on the issuance price of the housing securities, which is preset based on the home trust information extracted from the housing information DB 320, Can be updated.

At this time, the service server 200 may transmit the updated equity information to the assisting agent server 120.

As shown in FIG. 4, if the ratio of the equity interest (residential equity ratio) corresponding to the residential equity in the current equity ratio updated in the equity ratio is less than or equal to a preset reference value, the service server 200 (Or alarm information) for notifying the lack of the residential stake.

For example, as shown in FIG. 5, the service server 200 calculates the ratio of the remaining equity interest to the housing equity of the housing having the value of 100 (valuation amount) If the price of the house falls from 100 to 80 as described above, the total value of the housing is 80, and the value of the remaining value of the remaining equity is lowered to 70 Down.

Accordingly, in order to maintain the value of the housing securities, the service server 200 supplies a portion of the housing stake to the remaining stake so that the value of the remaining stake in the housing can be maintained, It is possible to maintain the valuation amount of the equity and reduce the valuation amount of the residential equity by the provision corresponding to the remaining equity, calculate the equity ratio of the remaining equity relative to the housing equity due to the decrease of the housing equity, It is possible to update the existing stake ratio based on the stake information as the stake ratio.

That is, as shown in FIG. 5, the service server 200 calculates the value of the remaining equity interest so that 70 is maintained when the remaining equity value of 70 is lowered to 56, (14) from the housing stake and reduce the housing stake by the amount of the remaining stake (the declining value of the remaining stake).

Accordingly, the service server 200 can update the equity information by setting 10 as the residential equity and 70 as the remaining equity with respect to the total valuation amount 80 of the house where the price drop occurred, The share ratio of the equity interest in the housing can be updated and adjusted to 12.5: 87.5 by calculating the equity ratio of the remaining equity interest to the housing equity due to the change of the remaining equity.

Accordingly, the service server 200 can update and store the equity information of the home trust information corresponding to the house stored in the housing information DB 320 when the equity information of the house is updated, To the trust officer server 120.

On the other hand, when the service server 200 updates the equity information in accordance with the decrease in the house price and the price of the real estate increases after the remaining portion of the housing stake is held in the remaining stake corresponding to the non-resident stake, If the present value exceeds the issuance price of the housing securities in accordance with the home trust information, the value of the present value and the issuance price The remaining equity interest corresponding to the difference may be deducted from the remaining equity and the equity interest deducted from the remaining equity may be restored to the residential equity.

At this time, the service server 200 can adjust the equity ratio of the housing when restoring the original state by setting the difference stake used for the maintenance of the remaining stake in the housing during the recovery of the difference stake as the housing stake, This can be done by updating the equity information.

Also, if the price of the real estate rises without the maintenance history of the non-resident stake, the service server 200 may not adjust the stake since the value of the housing securities is higher than the issuance price and becomes a factor of increasing the demand.

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

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

Meanwhile, as shown in FIG. 4, when the ratio of the housing stake decreases to a preset reference value or less in accordance with the update of the equity information of the user's house, the service server 200 adjusts the equity of the user terminal Can be transmitted.

That is, as the housing price continuously decreases, the service server 200 continuously maintains the remaining stake in the housing stake, as described above, so that the housing stake, which is a basis for recognizing the user's ownership, To avoid this, to notify the buyer of the housing stake by purchasing (collecting) part of the housing securities paid by the user to the seller so that the ratio of the housing stake is kept constant as the ratio of the housing stake based on the initial stake information Information can be transmitted to the user terminal.

In other words, in order to prevent the decline in the value of the housing security that occurs when the housing price declines, the service server 200 may define an obligation to adjust the equity interest in the remaining equity interest in the non-resident equity In addition, if the shareholding is maintained by the decrease in the amount of the non - resident stake according to the stipulation of the stake adjustment, the stake of the residence may be lost. Therefore, the user can induce the stake ratio to be maintained above a certain level.

On the other hand, as described above, if the housing stake is too large, money is wasted because it is wasted on the house, and if the housing price is too low, if the housing stake is lost, the occupancy exclusive right is lost and the housing stability can not be guaranteed. The ratio of the housing stake should be at least 30% of the house price.

For example, if the percentage of the housing stake is 30%, and the price falls below the non-resident stake due to the obligation to adjust the equity of the stake when the house price falls by 35%, the difference is retained as a non-resident stake in the housing stake The share of housing is reduced from 30% to 7.8%, but the decrease in the share of housing does not have any effect on occupancy.

However, if the housing stock is completely lost, the new concept housing is based on the housing stake, so the ownership of the new concept housing is also lost and the occupation exclusive right is lost.

In order to prevent such a case, the service server 200 according to the present invention purchases a home security issued based on a non-resident stake used in the public pool before the housing stake completely disappears after the notification information is transmitted This can be supplemented by replenishing the stake in the way that the stake is changed as a stake, which will be described in detail with reference to FIGS. 6 and 7. FIG.

6 is a diagram illustrating an example of providing a common pool service of a service server 200 according to an embodiment of the present invention. As shown in the figure, the service server 200 includes a product Related information to the seller terminal 150 and the user terminal 140 of the seller that sells the product information.

At this time, the market information may be composed of a web site composed of a plurality of web pages as described above.

Accordingly, the user terminal 140 may generate purchase information for purchasing goods of a specific seller based on the market information and transmit the purchase information to the service server 200, and the service server 200 may transmit the purchase information A plurality of home securities held by the user are extracted from the user account information of the user to extract one or more home securities corresponding to the purchase price, and the seller account information corresponding to the specific seller Lt; / RTI >

Accordingly, the service server 200 can make the purchase price of the product purchased by the user to be paid to the seller as the home security, and the one or more housing securities corresponding to the purchase price are put into the seller's account to complete the settlement can do.

Meanwhile, as described above, when the user's home price falls, the service server 200 can update the home price based on the home information 112 according to the ticker information received from the external server 160, The ratio of the stake and the stake in the equity information can be adjusted so that the value of the remaining equity is maintained according to the equity information of the house.

In addition, when the ratio of the equity interest is equal to or less than a predetermined reference value according to the adjustment of the equity ratio, the service server 200 transmits notification information on the lack of housing equity to the user terminal 140, It can be guided to secure at a certain rate or more.

At this time, the service server 200 transmits a home securities pool 111 for the current state of home securities held by the seller who owns home securities corresponding to the user's house to the seller account information for each seller stored in the account DB 310 And may transmit the information on the state of the holdings of the securities held by the seller to the user terminal 140.

Here, the service server 200 may identify a home security corresponding to a user's home based on home security information corresponding to the home security, and may transmit the home security information by including the information on the security status in the notification information.

Accordingly, as shown in FIG. 7, in order to maintain the residential stake at a predetermined ratio or more according to the notification information, the user terminal 140 may collect the housing securities of the home securities held by the one or more sellers And may transmit the collection request information to the service server 200 in order to collect (purchase) the selected home securities by selecting one or more home securities.

At this time, the collection request information may include payment means information for the payment means for the purchase of the home securities to be collected.

Accordingly, the service server 200 confirms from the seller account information of each seller of one or more home securities (a1, a2, a3) to be collected on the basis of the withdrawal request information, The seller terminal 150 of each seller who owns the home securities can transmit the sales request information for inquiring whether to sell the home securities.

In addition, the service server 200 may receive the response information from the seller terminal 150 in correspondence with the sales request information, and when agreeing to sell the housing securities on the basis of the response information, The settlement amount for purchasing one or more residential securities held by the seller who has agreed to the sale on the basis of the settlement information and the settlement amount based on the settlement means information and the settlement amount in accordance with the withdrawal request information The settlement processing can be performed according to the settlement information through communication with the preset settlement server.

Also, the service server 200 may deposit the payment amount in the account according to the seller's account information so that the seller can receive the amount of the sold one or more housing securities (a1, a2, a3) to be collected by the seller .

Also, the service server 200 stores the collected home securities a1, a2, and a3, which have been collected through the purchase, in the account information of the user, and stores the collected home securities a1, a2, Can be set as equity (b2).

In addition, the service server 200 stores the value of one or more home securities recovered every time the user secures the housing stake in the housing information DB 320 (step < RTI ID = 0.0 > (B2) based on the value of the residential securities collected in the existing residential stake (b1) based on the stake information stored in the housing stock (b1) have.

In addition, the service server 200 can transmit the equity information to the trust officer server 120 at the time of updating the equity information, thereby providing the trust company with the user's equity in the housing so as to be identifiable .

Through the above-described construction, according to the present invention, due to the preservation of the non-resident stake using the residential stake to maintain the value of the housing securities according to the price of the housing price, the residence stake is secured to the user before the exhaustion of the residential stake occurs It is possible to provide the residence stability by guaranteeing the occupancy right by keeping the ratio of the residence stake over a certain period of time, by preventing the user from losing possession of the house, and by injecting small amount of money into the house.

8, the service server 200 includes a user interface unit 210, a seller interface unit 220, a registration unit 230, an alarm unit 230, A control unit 290 for controlling each component of the service server 200, a real estate evaluation information confirmation unit 250, a trust server interlocking unit 260, a housing security management unit 270, an equity adjustment unit 280, ).

The service server 200 may operate in conjunction with the DB unit 300. The DB unit 300 may include an account DB 310, a housing information DB 320, and a registration information DB 330 have.

The control unit 290 may communicate with the user terminal 140 through the user interface unit 210 and may communicate with the seller terminal 150 through the seller interface unit 220.

The control unit 290 also provides the registration unit 230 with user information, seller information, and goods information related to the goods or services sold by the seller through the user interface unit 210 and the seller interface unit 220 And the registration unit 230 may store user information, seller information, and goods or service related goods information that the seller sells in the registration information DB 330. [

The control unit 290 provides the account opening request information to the registration unit 230 upon receiving the account opening request information for the account opening request from the user terminal 140 and the seller terminal 150, The registration unit 230 may generate account information corresponding to the user or the seller corresponding to the account opening request information, and may register and store the account information in the account DB 310. [

Accordingly, the control unit 290 can open and register an account for each user in cooperation with the registration unit 230, and open and register an account for each seller.

The trust server interworking unit 260 may receive the housing trust information and the equity information related to the housing trusted by the user from the assisting agent server 120 and provide the same to the control unit 290. The control unit 290 may receive the housing trust information, The trust information and the equity information may be mutually matched and stored in the housing information DB 320. [

The real estate evaluation information confirmation unit 250 may communicate with the external server 160 to receive the current state information of the user's home and provide the current state information to the controller 290. The controller 290 May store the ticker information in the housing information DB 320 by matching the home trust information and the equity information corresponding to the user's home.

Also, the control unit 290 provides the home trust information to the housing securities management unit 270 when receiving the home trust information, and the housing securities management unit 270 stores the home trust information corresponding to the user's home based on the home trust information Generates a plurality of housing securities information corresponding to each of the plurality of issued housing securities, matches the plurality of housing securities information to the account information of the user corresponding to the home trust information in the account DB (310) (310), it is possible to make the account of the user enter the home security issued in correspondence with the user's home from the trust company.

At this time, the controller 290 may store the plurality of housing securities information in the user account information.

In addition, the controller 290 continuously updates the user's home-related ticker information stored in the home information DB 320 based on the user's home-related ticker information periodically or in real time from the property evaluation information confirmation unit 250 can do.

Meanwhile, the controller 290 controls various operations of the service server 200 according to the present invention. For example, the controller 290 may control the various operations of the service server 200 based on the ticker information and the home trust information, The housing stake and the stake ratio of the equity information can be updated so that the remaining stake based on the issuance price is maintained.

At this time, the equity adjustment unit 280 receives the control information for updating the equity stake and equity ratio of the equity information from the controller 290, and controls the housing information DB 320 based on the control information, It is possible to update the equity information corresponding to the information with the housing equity and the equity ratio based on the control information.

Also, the controller 290 updates the equity information according to the decline in the house price, and if the remaining portion of the housing stake is held at the remaining stake corresponding to the non-resident stake, the controller 290 generates the maintenance history information for the housing stake, And can be stored in the housing information DB 320. FIG.

If the price of the real estate rises and the value of the remaining equity rises based on the ticker information received from the external server after the maintenance according to the maintenance history information, the controller 290 controls the equity adjustment unit 280, And calculating the present value of the housing securities based on the increase in the value of the remaining stakes, and if the present value exceeds the issuance price of the housing securities based on the home trust information, And the issuance price of the remaining equity interest may be subtracted from the remaining equity, and the equity interest deducted from the remaining equity may be restored to the residential equity.

At this time, the controller 290 may set the equity used for the maintenance of the remaining equity in the housing as the equity of the housing, and adjust the equity ratio of the housing for each recovery, can do.

Also, the controller 290 may subtract the restored share used for the preservation of the remaining stake based on the maintenance history information, and may delete the maintenance history information if all the stake is deducted have.

Also, when the price of the real estate rises in the state where there is no maintenance history of the non-resident stake or there is no preservation stake, the control unit 290 does not adjust the stake since the value of the housing securities becomes higher than the issuance value .

In addition, the controller 290 checks the user's equity information in the housing information DB 320, and calculates the ratio of the housing stake (the ratio of the housing stake) corresponding to the housing stake to the current stake ratio updated And generates notification information for notifying the user terminal of the lack of the residential stake and provides the notification information to the alarm unit 240.

At this time, the alarm unit 240 may transmit the notification information to the user terminal 140.

In addition, the controller 290 sets different reference values and notification information in advance according to predetermined steps, compares the step-by-step reference value with the residential equity ratio, And may transmit notification information to the user terminal through the alarm unit 240. [

Accordingly, the control unit 290 divides the degree of danger due to the reduction of the housing stake into stages, and provides preset notification information corresponding to the step corresponding to each step, In order to recognize the necessity of securing the security.

The control unit 290 may provide the market information to the user terminal 140 and the seller terminal 150 through the user interface unit 210 and the seller interface unit 220, 270), it is possible that the home security is moved (transferred) between the account of the user and the account of the seller according to the purchase of the goods, and the transaction is processed.

The control unit 290 may relay the transaction between the user terminal 140 and the seller terminal 150 to transmit the settlement information to the user terminal 140 in response to the collection of the home securities, It is possible to update the share ratio according to the user's equity information.

On the other hand, the control unit 290 of the service server 200 identifies the houses corresponding to the housing securities from the housing securities information of the housing securities held by the seller by checking account information of different sellers, The residential securities held by the seller can be equivalently exchanged and a plurality of housing securities held in accordance with the equivalent exchange in the account information of the specific seller can be defragmented so as to be grouped among the same homes so as to simplify the type of housing of the residential securities held by the seller Will be described in detail with reference to FIG.

9 (a), the controller 290 identifies a house corresponding to each of a plurality of housing securities included in the account information of the specific seller, The distribution state can be determined, and the degree of dispersion of the housing securities can be calculated based on the number of houses and the distribution state.

In addition, the controller 290 identifies a plurality of sellers holding the account information whose distribution degree is equal to or greater than a preset reference value, and performs an equivalent exchange for the home securities in the account DB 310 Can be performed.

For example, as shown in FIG. 9B, the controller 290 identifies a plurality of types of houses based on a plurality of housing securities held by the seller A set as an equivalent exchange target, Selects the house security corresponding to the house type A from the account information of the other seller B set as the equivalent exchange object on the basis of the selected house type A and inputs the house security to the account of the seller A and then corresponds to the account information of the seller A It is possible to perform defragging by grouping the home securities corresponding to the home type A into one.

Similarly, the control unit 290 identifies a plurality of types of houses based on a plurality of housing securities held by the seller B for the seller B, selects any one of the plurality of types of houses corresponding to the seller B, B is included in a plurality of housing types according to a plurality of housing securities held by the seller A, while paying the seller A's housing security corresponding to the housing type A held by the seller B to the seller A , It is possible to input the house security of the seller A corresponding to the house type B from the account of the seller A into the account according to the account information of the seller B as an opposite payment due to the equivalent exchange.

In addition, the controller 290 can perform defragmentation by grouping the housing securities corresponding to the housing type B when entering the housing securities corresponding to the housing type B exchanged in the account of the seller B according to the equivalent exchange.

Through the above-described configuration, the controller 290 can reduce the number of housing types as shown in the account according to the seller's account information, thereby simplifying the distribution of the housing securities according to the type of housing, When the information on the holding status is provided to the user, it is possible to arrange the information on the plurality of pieces of housing information grouped in the specific housing type through the defragmentation and provide the information on the basis of the holding state information. A plurality of housing securities can be easily distinguished as a group so that the housing securities to be collected can be easily selected.

At this time, the residential type may be classified as residential identification information, and a plurality of residential houses having different addresses may be defined as corresponding to different residential types.

In addition, the controller 290 may be configured to determine a preference area and a home area according to the defrag collection standard preset by the specific seller based on the identified house information corresponding to each of the plurality of housing securities included in the account information of the specific seller, One or more preferred houses having housing information corresponding to the type can be selected, and a house other than the preferred housing can be set as the equivalent exchange target.

In other words, the service server 200 can provide the housing security for the preferred housing based on the seller's preferred housing through the exchange of equivalence according to the defragmentation, thereby allowing the seller to secure the housing security for the preferred home And provide them with the opportunity to acquire ownership of the preferred housing.

On the other hand, in the above-described configuration, when a user who has received a home security of a specific house from a user in accordance with the use and distribution of the home security uses a part of the equity equivalent to the housing security of the specific home owned by the seller In accordance with the Trust Act, registration of changes to the entrusted person in the specific housing is required.

That is, when the seller who has received the housing securities from the user as the sale proceeds disposes the corresponding home securities or arranges the user's interest in the specific home, The seller who is the trustee of the house and the beneficiary of the house must request the trust company to register the change of the trustee with the seller who has been paid the sale price every time when the securities are used and the seller should be listed as trustee in the trust fund, It is very cumbersome and difficult to realize.

In order to solve this problem, the trust fund server 120 provides a plurality of home securities corresponding to a non-resident stake to the user who trusts the home, and when the home securities are issued, the owner / (Or registered) as a service operator corresponding to the server 200.

That is, when registering (registering) a user who is an actual trustee of the house as a trustee, the trust fund server 120, as described above, The seller is required to register the change of the contractor with the seller. However, if the entrustor is registered as a service operator at the time of issuance of the home securities as described above, When the service server 200 of the operating company (or the control unit 290 of the service server 200) buys the home securities of the seller at the disposal of the seller's home securities or arranges the equity, the service operator who is the entrustor holds the home securities The disposition and equity interest in the securities held by the seller without the need to change the trustee to the seller Riga can support it is possible.

At this time, the trust fund server 120 may match and store the trust fund information corresponding to the house trusted by the user, including the information on the trustee, the trustee, and the beneficiary, in correspondence with the house.

In addition, the service server 200 (or the control unit 290 of the service server 200) may receive a request for recovery of the housing securities of the user in the trust account server 120 of the trust company, Since the entrustor is registered as a service operator corresponding to the service server 200, it is possible to perform the defragmentation according to the equivalent exchange of the above-described inter-seller housing security without changing the entrustor, After purchasing the seller's home security selected by the user in the information on the holding status as a settlement amount of the user, communication with the assisting agent server 120 is performed to register the non-resident stake corresponding to the purchased home security as the user name in the entrustor change registration It is possible to recover the user's housing securities and arrange the equity without having to change the trustee.

Accordingly, the present invention can support defragging easily without having to go through a cumbersome process of changing the entrustor to the seller when defragmenting the user's home for liquidation or equity clearing.

Meanwhile, the service server 200 deletes and removes the home security purchased as a payment amount of the user so that the home security can not be used in the joint pool service, and communicates with the judge server 120 as described above, To the trust fund server 120, the equity information for renewing the equity ratio corresponding to the equity interest corresponding to the home equity securities, and updates the equity information corresponding to the user based on the equity information from the trust fund server 120 can do.

FIG. 10 is a flowchart of a service method for supporting the maintenance of the value of real estate trust-based housing securities of the service server 200 according to the embodiment of the present invention. As shown in FIG. 10, And receives and stores the home trust information and the equity information from the trust fund server 120 (S1).

In addition, the service server 200 may register the user account information corresponding to the user by communicating with the user terminal 140 (S2).

Thereafter, the service server 200 accesses the user account information, based on the home trust information for a plurality of housing-related housing securities issued in correspondence with the remaining stakes excluding the user's housing stake from the trustee server 120 The plurality of home securities can be registered (S3).

Meanwhile, the service server 200 receives the market information from the external server 160, compares the home trust information with the market information, and obtains the value of the remaining equity interest in the housing securities (S4).

Thereafter, the service server 200 determines whether it is necessary to change a stake based on the decline in the housing price at the time of changing the price of the home based on the ticker information and the home trust information (S5) (Step S6). In step S6, the home equity and equity ratios of the equity information are updated so that the remaining equity is maintained according to the issuance price of the home securities.

When the ratio of the equity interest corresponding to the residential equity in the current equity ratio updated in the equity ratio is equal to or less than a preset reference value (S7), the service server 200 informs the user terminal 140 of the lack of the housing equity (S8).

When the service server 200 communicates with the user terminal 140 and a part of a plurality of home securities corresponding to the user's home is set as the user's home equity and the home security is withdrawn to the user S9) According to the collection of the housing securities, the share ratio according to the equity information can be adjusted (S10).

When the residential stake is equal to or less than a predetermined reference value (S11), the service server 200 transmits the residence right request information for collecting the residence right of the user to the judge server 120 and the equity information for the current share ratio So that the right of the user to reside and occupy the home can be retrieved (S12).

FIG. 11 is a flowchart illustrating a method of defragmenting a home security in a service method supporting the maintenance of the value of a real estate trust-based home securities of a service server 200 according to an embodiment of the present invention. As shown in FIG. 11, ) Can check the degree of dispersion of the housing securities based on the account information of the user or the seller (S21).

If the variance of the account information is equal to or greater than a preset reference value (S22), the service server 200 determines whether or not another home, other than the preferred home, based on the setting information previously set for the defragmentation criterion corresponding to the account information The equivalence exchange for the housing securities may be performed between the account information and the other account information as an object, and defragmentation may be performed by grouping the same types of homes in the account information after performing the equivalent exchange (S23).

Meanwhile, when the user leases a trusty house through a lease agreement or the like, the trust company may set a portion corresponding to the lease of the user's lease as a share of the trust beneficiary corresponding to the tenant, Accordingly, the trust fund server 120 can provide the service server 200 with the equity information on the equity change due to the lease.

Accordingly, the service server 200 can update the equity information stored in the housing information DB 320 based on the equity information received from the assisting agent server 120, and based on the updated equity information, If the residential stake is less than a preset reference value, the equity adjustment can be performed, which will be described in detail with reference to FIG.

12 (a), the control unit 290 of the service server 200 receives the rent from the judge server 120 when the user having the housing equity ratio of 30% leases the house, The existing equity information stored in the housing information DB 320 can be updated.

12 (b), the controller 290 allocates a portion of the user's housing stake to the trust beneficiary (the tenant) based on the most recent equity information according to the equity change, If the ratio of the equity interest to the equity interest is equal to or less than a preset reference value, the notification information may be transmitted to the user so as to secure the housing stake. As a result, as shown in FIG. 12C, If the rescue is taken together, the rescued housing securities may be set as residential stakes, and the ratio of the residential stakes at the time of issuance of the housing securities may be maintained.

In the above-described configuration, the user terminal and the seller terminal may be a Smart Phone, a Portable Terminal, a Mobile Terminal, a Personal Digital Assistant (PDA), a PMP (Personal Digital Assistant) A variety of devices such as a portable multimedia player terminal, a telematics terminal, a navigation terminal, a personal computer, a notebook computer, a slate PC, a tablet PC, an ultrabook, And may include a terminal.

In addition, each component (or module) constituting the service server 200 may be software stored in the memory of the service server 200. The memory may be an internal memory of the service server 200, and may be an external memory or other type of storage device. Further, the memory may be a non-volatile memory. Software stored on the memory may include a set of instructions that, when executed, cause the service server 200 to perform certain operations.

A seller interface 220, a registration unit 230, an alarm unit 240, a property evaluation information confirmation unit 250, a trust server interlock unit 260, At least some of the housing security management unit 270, the equity adjustment unit 280 and the control unit 290 may be connected to or included in the microprocessor and the memory connected to each other or configured in the service server 200.

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

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

110: service system 120:
140: user terminal 150: seller terminal
160: external server 200: service server
210: user interface unit 220: seller interface unit
230: registration unit 240: alarm unit
250: Property evaluation information confirmation part 260:
270: Housing and Securities Management Department 280: Equity Adjustment Department
290: control unit 300: DB unit

Claims (1)

1. A service system for supporting the maintenance of the value of a real estate trust-based housing security that communicates with a trust company server and a user terminal of a trust company that issues housing securities for a trusty house through a communication network,
A registration unit for registering user account information corresponding to the user;
The housing trust information for a plurality of housing-related housing securities related to the housing issued in correspondence with the remaining stakes excluding the housing stake of the user from the trustee server, and the equity information including the equity ratio of the ratio of the housing stake and the remaining stake And registering the plurality of home securities in the user account information according to the home trust information;
A property evaluation information confirmation unit communicating with an external server to provide price information on the market price of the house; And
Updates the housing stake and the stake ratio of the stake information so that the remaining stake based on the issuance price of the housing securities preliminarily set when the price of the housing is changed based on the ticker information and the home trust information, And a controller for transmitting notification information for notifying the user terminal of the shortage of the residential stake if the residential stake corresponding to the residential stake is less than a preset reference value,
Wherein the trust fund server generates trust fund information corresponding to a trust house of the user and registers a service operator corresponding to the service server as a trustee in the trust fund information. Service system.

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