KR100654888B1 - Real estate linked financial service transaction system using internet - Google Patents

Abstract

The present invention relates to a service providing system for realizing a method of trading, investment, dividend, etc. of development profit dividend financial products linked to real estate using the Internet. The present invention relates to real estate-linked finance using the Internet, which provides various services such as the rapid development of financial product transactions, the establishment of a special purpose corporation for the development of a guaranteed dividend, the finance of profits, the dividend of retained earnings, the use of facilities, and the management of mileage. A service transaction system.

The present invention can effectively utilize the country by introducing a system that fairly distributes the profits from the development and transparent management of profitable real estate to the participants.

In addition, by returning the real estate development profits to the financial product subscribers, there is an effect that the facility can be used until the financial product expires as well as economic benefits.

Description

Financial Service Offer System Connected With Real Estate Using Internet}

1 is a conceptual diagram of a real estate-linked financial service transaction system using the Internet according to the present invention.

2 is a block diagram of an operation management server according to the present invention.

Figure 3 is a flow chart illustrating a real estate-linked financial service transaction method using the Internet according to the present invention.

The present invention relates to a real estate-linked financial service transaction system using the Internet. More specifically, the present invention relates to a financial service transaction system for realizing methods such as trading, investment and development profit dividend of financial products linked to real estate development using the Internet.

In the present invention, "financial product" is a financial service product, including "insurance, deposit", "financial institution" means "first financial sector, such as banks and second financial sector, such as insurance companies, securities companies". In addition, "SPC" means one of the configurations for implementing the object of the present invention "Special Purpose Company" (hereinafter referred to as "SPC"). "AMC" means the company that is in charge of the operation management of the developed object means "Asset Managed Company", hereinafter referred to as "AMC".

In general, the conventional financial products are provided only interest and insurance services provided by the supplier's own program, there is a disadvantage that the realistic benefits are not allocated to the financial product subscribers. In addition, there are no products and systems for investment and development and distribution of development profits by third parties for product subscribers.

Patents related to Korean Patent No. 0438524 "Insurance service system using mileage" and Korean Patent No. 0385097 "Spare parts management insurance service system and its operation method using the Internet" are disclosed as prior arts related to the present invention. It is. In addition, Korean Patent Application Publication No. 2000-50077 discloses an idea about "intermediate insurance handling service intermediation method". However, this prior art has a disadvantage in that it is not possible to provide a service that the insured actually wants because realistic insurance services for the insured are not presented.

The present invention has been made in order to solve the problems of the prior art, the present invention introduces a system that fairly distributes the profits from the development and transparent management of profitable real estate using the Internet to the participants to utilize the land efficiently It aims to provide economic real estate-linked financial services transaction system that can use facilities even when the financial products expire, as well as reduce economic instability by returning profits from real estate development to financial product subscribers.

In order to achieve the above object, the present invention provides a real estate-linked financial service transaction system that receives information on a theme product for developing real estate from a real estate developer server registered as a member, and receives a financial institution server registered as a member. It includes an operation management server for receiving the information on the financial products sold, and developing the theme products,

The operation management server includes a real estate developer management module that registers the real estate developer server as a member, receives information about a theme product from the real estate developer server, and stores and manages the information in a real estate developer DB; Analyzing the information on the theme products provided from the real estate developer server, selecting the total investment ratio, the limit of the amount of capital subscription, the sales volume of products, the investment ratio of the sales, etc. A theme product selection module; A financial institution that registers the financial institution server as a member, receives information on the size, assets, and the like of financial products sold by the financial institution server, and stores and manages the information in the financial institution DB. An institution management module; A financial product selection module for selecting a suitable financial product from the financial products registered in the financial institution DB by comparing the costs, periods, etc. required for the development of the selected provided theme product; A financial product customer management module that sells the selected financial product, receives the sales information from the financial product server, and stores and manages the financial product in a financial product customer DB; An investment funds management module for receiving the cost of the sold financial products from the financial institution server as the investment funds for the theme products and storing and managing them in the investment funds DB; An SPC management module configured to receive information about the investment from the investment management module as capital and store and manage information on a special purpose corporation (SPC) for developing the selected theme product in an SPC DB; An AMC management module for storing and managing information on an asset management company (AMC) operating the completed theme product in an AMC DB when the development of the selected theme product is completed by the SPC; And a dividend management module for storing the profits obtained by operating the theme product in the AMC in a dividend DB and providing dividends to customers who purchase the financial product.

Hereinafter, with reference to the accompanying drawings will be described in detail a real estate-linked financial product transaction system using the Internet of the present invention.

1 is a conceptual diagram of a real estate linked financial product trading system using the Internet according to the present invention, FIG. 2 is a block diagram of an operation management server according to the present invention, and FIG. 3 is a real estate linked financial product trading using the Internet according to the present invention. A flowchart illustrating the method.

As shown in FIG. 1, the basic concept of the method for providing real estate-linked financial services according to the present invention is that the real estate developer server 200 registered as a member manages and manages information on a theme product such as a profitable real estate development plan. Provided to the server 100, the financial institution server 200 provides information on the financial products sold by the financial institution to the operation management server (100).

When the operation management server 100 selects a financial product suitable for the development of a theme product, the financial institution provides the asset management institution 230 with the money for selling the financial product to the customer.

Thereafter, the operation management server 100 provides a capital to the capital of the SPC established by the real estate developer, and provides the sovereignty of the SPC to customers who purchased financial products. Thereafter, when the development of the theme product is completed by SPC, the retained earnings obtained by operating the theme product developed by the asset management company AMC are provided as dividends to the customer 210 who purchased the financial product.

Looking in detail with respect to the operation management server 100 of the present invention with reference to Figure 2, the operation management server 100 is a real estate developer management module 102, theme product selection module 104, financial institution management module 106, Financial product selection module 108, financial product customer management module 110, withdrawal management module 112, SPC management module 114, AMC management module 116, dividend management module 118 and control module 120 It includes, and consists of various databases (141 ~ 148).

The real estate developer management module 102 receives a real estate developer server 200 that selects a profitable target site, establishes a plan for a real estate theme development product, and prepares a feasibility review plan as a member, and the real estate developer server 200 Register the information about the theme from the real estate developer DB 141 stores and manages.

The theme product selection module 104 analyzes the information on the theme products provided by the real estate developer server 200 to set the total investment ratio related to the theme development, the limit of the amount of capital subscription, the size of the product sales, the investment ratio of the sales, etc. Select the theme product that will be finally operated. At this time, when a theme product is selected, a fee is paid to a real estate developer who provides information on the theme product according to a predetermined ratio of sales.

Financial institution management module 106 is registered with a financial institution such as insurance, trust, etc., information on the size, assets, etc. of the financial products sold by the financial institution server 200 and for the buyer who purchased the financial products The information is received and stored in the financial institution DB 142 and managed.

The financial product selection module 108 selects a financial product of the registered financial institution server 200 by comparing costs, periods, etc. required for the theme product.

The financial product customer management module 110 receives information on the customer who purchased the selected financial product and stores and manages the information in the financial product customer DB 143. In this case, the financial product customer 210 is provided with the sovereignty of the SPC 240 when the SPC 240 to be described later with the investment provided to the operation management server 100 is established.

The investment management module 112 stores and manages the investment provided by the financial institution server 200 as the investment for the theme product in the investment funds DB 145. Accordingly, the financial institution server 200 invested in each theme product can be managed even when a plurality of theme products are performed at the same time. In addition, in order to secure the transparency of the investment funds provided by the separate asset management institution 230 so as to keep the investment until the SPC to be described later to manage the information on the investment provided to the asset management institution.

The SPC management module 114 stores and manages information on the SPC 240 established to develop a theme product using the investment amount provided from the financial institution server 200 in the SPC DB 147. In this case, the SPC 240 is preferably established by the real estate developer who planned the theme product, but can be directly established by the asset management server. In addition, when the SPC is established, the SPC management module 114 issues and provides sovereignty to the purchaser of the financial product.

The AMC management module 116 stores and manages information on the AMC (Asset Management Company) established to operate the completed theme product when the development of the theme product is completed by the SPC 240 in the AMC DB 148. .

The dividend management module 118 stores the profits obtained by operating the theme product of the AMC 250 in the dividend DB 146 and provides dividends to customers who purchase financial products invested in the theme product.
In addition, the control module 120 controls the data flow between each module.

With reference to the flow chart of Figure 3 will be described a financial service providing process in connection with real estate development according to the present invention.

First, the real estate developer server 200 selects a profitable target site, prepares a theme real estate development plan and a business feasibility review plan and provides it to the operation management server 100 (step S101).

The operation management server 100 sets the limit of the total investment ratio of the capital investment size related to the development of the theme product submitted by the real estate developer server 200, selects the sales amount of the product, the investment ratio of the sales, etc. (step S102), A financial product suitable for this is selected from the financial products provided by the institution server 200 (step S103). At this time, if selected as a theme product, the fee is sent to the real estate developer server (200).

The financial institution server 200 sells the financial product selected as the financial product suitable for the theme product from the operation management server 100 to the customer (step S104). Part of the selling price is provided to the operation management server 100 as the investment of the theme product.

The operation management server 100 transfers the investment funds to the money management institution 230 that manages the funds (step S105), and the money management institution 230 also the capital of the SPC established by the real estate developer for the purpose of developing a theme product. The capital is paid out (steps S106 and S107). The purchaser 210 of the financial product is provided with the sovereignty of the SPC 240 established at the time of development of the theme product (step S108). At this time, SPC may be directly established in the operation management server (100).

When the development of the target object is completed (step S109), the SPC settles the corporation with the end of the business, and transfers the operation management of the target object to the AMC (step S110). The AMC 250 operates and manages the theme product (step S111), and the surplus profits through the settlement are allocated to the shareholders at a predetermined ratio (step S112).

The financial product customer 210 deposits a stock corresponding to a development investment stake linked to the financial product to the Securities Depository 270 via the Internet (step S113), and sells the stock through an individual securities company as necessary. The transaction is made (step S114). In addition, as a shareholder, the financial product customer can use the facilities of the target object for development.

In order to make the subjects of the present invention implement the object of the invention and to ensure the safety and transparency of the operation, the SPC constitutes an advisory body in which appraisers, designers, accountants, lawyers, investment trust firms, etc. participate and clarifies the document. .

It should be understood that the present invention is not limited to the above-described preferred embodiments but may be modified, substituted or added in various ways without departing from the gist of the present invention, as long as those skilled in the art. Will understand. If such changes, substitutions or additions are made within the scope of the following appended claims, the technical idea shall also be deemed to belong to the present invention.

According to the present invention, it is possible to solve the difficulties from social and institutional awareness of real estate development by operating a system that distributes profits to participants by introducing a system that develops and transparently manages profitable real estate using the Internet. can do. In addition, the present invention reduces the economic anxiety for providing a stable income base after retirement and raising children in the age of aging society and low birth rate by reducing development profits to product buyers while making efficient use of land through rational real estate development. In addition, it is a useful invention in which economic and mental benefits can be obtained by using the priority of the facility until the expiration of the product.

In particular, according to the present invention, the economic benefits that each component can obtain using the Internet can be analyzed as follows.

(Iii) financial institutions

In addition to contributing to the increase in sales by strengthening the competitiveness of products, the developed real estate products can increase the profits through investment management of idle funds among funds raised by expanding opportunities for providing additional services to customers and exploring business investment objectives. .

(Ii) real estate developers

Stable funding for the development of profitable financial products increases profits by reducing development costs and returns the generated profits to subscribers of financial products, thereby contributing to national awareness of financial products and making efficient use of the country by developing planned real estate. Can be.

(Iii) financial product customers;

In addition to the existing financial services, such as injuries, medical care, and inpatient care, you can enjoy the following additional economic benefits: That is, even during the financial service period, it is possible to receive a use service equivalent to a member of a theme real estate product. In addition, economic benefits from real estate product development / operation income dividends can be obtained, and there is an exemption or reduction in transfer tax burden when designating an equity investor as a child separately from the product subscriber. In case of designation, inheritance tax exemption can be seen according to the commodity expiration structure.

(V) Special Purpose Corporation (SPC)

SPC can allocate the maximum profit to the shareholders through cost reduction of operation through legal measures such as exemption or reduction measures such as acquisition tax, registration tax, etc. or dividend payout when dividends are paid when purchasing land. This is guaranteed by law.

By utilizing the system of the present invention, the SPC can stably fund initial facility investment funds, and can provide high-quality services by reducing overall costs due to the increase in newcomers because it is linked with financial institutions.

(Iv) Asset Management Company (AMC)

AMC has expertise in real estate management and can reduce costs through a network that will be linked in the future.

(Iii) asset management organs;

Through efficient and stable management of funds, the financial institution's nomination can contribute to customer's profit increase.

Claims (3)

Receives information on the theme product for real estate development from the real estate developer server registered as a member, and receives information about the financial product sold from the financial institution server registered as a member, It includes, the operation management server A real estate developer management module which registers the real estate developer server as a member, receives information on a theme product from the real estate developer server, and stores and manages the information in a real estate developer DB; Analyzing the information on the theme products provided from the real estate developer server, selecting the total investment ratio, the limit of the amount of capital subscription, the sales volume of products, the investment ratio of the sales, etc. A theme product selection module; A financial institution that registers the financial institution server as a member, receives information on the size, assets, and the like of financial products sold by the financial institution server, and stores and manages the information in the financial institution DB. An institution management module; A financial product selection module for selecting a suitable financial product from the financial products registered in the financial institution DB by comparing the costs, periods, etc. required for the development of the selected provided theme product; A financial product customer management module that sells the selected financial product, receives the sales information from the financial product server, and stores and manages the financial product in a financial product customer DB; An investment funds management module for receiving the cost of the sold financial products from the financial institution server as the investment funds for the theme products and storing and managing them in the investment funds DB; An SPC management module configured to receive information about the investment from the investment management module as capital and store and manage information on a special purpose corporation (SPC) for developing the selected theme product in an SPC DB; An AMC management module for storing and managing information on an asset management company (AMC) operating the completed theme product in an AMC DB when the development of the selected theme product is completed by the SPC; Dividend management module for storing the profits obtained by operating the theme product of the AMC in the dividend DB, the dividend management module for providing dividends to customers who purchase the financial product purchased the theme product; Service trading system. delete delete

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