KR20230033617A - System and method for investigating lease based on on-line - Google Patents

Abstract

The present invention relates to a system and a method for investigating an online lease. The system for investigating an online lease according to an embodiment of the present invention comprises: a first terminal device which transmits a tenancy deposit mortgage application of a lessee, who is a party to the loan; a second terminal device which receives a power of attorney for confirming a fixed date assignment status for the real estate under the lease contract from a lessor who has entered into a real estate lease agreement with the lessee, and transmits consent information of the power of attorney for confirming the fixed date assignment status; a financial institution server which receives the tenancy deposit mortgage application through the first terminal device and requests an investigation of the lease relationship for the real estate under the lease contract; a lease investigation server which investigates the lease relationship of the real estate subject to the lease contract in response to the lease relationship investigation request; and a real estate management server which issues a certificate confirming the fixed date assignment status of the real estate under the lease contract and transmits the certificate to the lease investigation server. Therefore, the system can protect lessees and prevent loan fraud.

Description

Online lease investigation system and method {SYSTEM AND METHOD FOR INVESTIGATING LEASE BASED ON ON-LINE}

The present invention relates to an online lease investigation system and method capable of protecting tenants and preventing fraudulent loans by examining lease relationships on an online basis.

In general, real estate transactions are performed by obtaining or exchanging real estate information through the Internet or a real estate agent, and concluding a contract if conditions are met.

These real estate contracts must be made carefully because the transaction amount is large. In general, looking at the process of real estate contracts, if the conditions are met between the seller or lessor and the buyer or lessee for a specific real estate, the amount for the down payment, interim payment, balance, payment timing, and payment method are mutually agreed upon, and the buyer or lessee becomes the seller. Or, when a down payment is paid to the lessor, a real estate contract is concluded.

At this time, the real estate down payment is generally made by checking the seller's or lessor's identification card and a certified copy of the register, and then remittance to the financial institution guided by the seller or lessor. However, if the seller or the lessor gets caught up in a fraudulent scheme in which the down payment is made by manipulating the identification card and the certified copy of the register, only the damage to the buyer or the lessee increases. In particular, in the case of real estate transactions, there is currently no way to prevent damages when fraudulent acts are systematically performed, including real estate agents.

On the other hand, in real estate transactions, when a buyer or lessee has a shortage of money, he/she applies for a loan based on a real estate contract through a financial institution such as a bank in order to prepare it, and the financial institution establishes the right relationship according to the loan application. need to take a look

However, since loans related to real estate subject to loan are made depending on the information and documents submitted by the buyer or lessee, who is the lending party, and the seller or lessor checks only by phone, the loan is made. In the case of false manipulation of submitted documents or false information, it is very difficult for a third party, a financial institution or an investigation agency, to check whether there are any defects in the contract or whether it is a false contract. In particular, if the lessor and the lessee write a false lease contract under an agreement, it is more difficult to investigate whether the contract is defective, such as an inflated deposit, and whether the contract is false.

Korean Patent Publication No. 10-2008-0098315

The present invention is to solve the above problems, and an object of the present invention is to implement an online lease investigation system and method capable of protecting tenants and preventing fraudulent loans by examining lease relationships.

The problem to be solved by the present invention is not limited to the problems mentioned above, and other problems not mentioned will be clearly understood by those skilled in the art from the description below.

The online lease investigation system according to an embodiment of the present invention for solving the above problems is a first terminal device that transmits a loan application for a rental deposit secured by a borrower who is a lending party, and a lease contract from a lessor who has concluded a real estate lease contract with the lessee to the real estate Receive a power of attorney to check the current status of granting a fixed date for confirmation, receive a rental deposit security loan application through the second terminal device and the first terminal device that deliver consent information on the power of attorney, and lease the lease relationship to the real estate A financial institution server requesting an investigation, a lease investigation server that investigates the lease relationship of the real estate subject to the lease contract in response to a request for a lease relationship investigation, and a real estate management that issues a confirmation of the status of granting a definite date for the lease contract real estate and sends it to the lease investigation server Servers may be included.

The online lease investigation method according to an embodiment of the present invention for solving the above problems is performed by the processor of the lease investigation server, and the lease for the real estate subject to the lease contract from the server of the financial institution to which the lessee applied for a loan with the lease deposit as collateral. Receiving a request for relationship investigation, checking the current status of granting a fixed date for the purpose of investigating a lease relationship Sending a power of attorney to the terminal device used by the lessor, checking the current status of granting a fixed date from the terminal device used by the lessor Checking the current status of granting a fixed date when the power of attorney is received The step of checking whether there is consent information from the lessor on the power of attorney, checking the current status of granting the fixed date, if there is consent information on the power of attorney, the step of sending a request to check the current status of granting the fixed date for the real estate subject to the lease contract, requesting confirmation of the status of granting the fixed date Upon receipt of the confirmation of the current status of granting the fixed date, the stage of investigating the lease relationship for the real estate subject to the lease contract based on the confirmation of the status of granting the fixed date and the results of the investigation are reflected to create a report on the result of the lease investigation and deliver the prepared report on the result of the lease investigation. steps may be included.

In the present invention, after receiving consent from the landlord for the power of attorney for confirming the status of granting the definite date based on online, based on this, the lease investigation server checks the status of granting the definite date, thereby determining whether the real estate subject to the lease contract is duplicated. You can prevent fraudulent loans while protecting your tenants.

In the present invention, when consent is obtained from the lessor to the power of attorney for confirming the status of granting the fixed date, it is possible to conduct a more clear lease investigation by obtaining consent to the power of attorney for confirming the current status of granting the fixed date after performing identity authentication.

In addition to the above description, specific effects of the present invention will be described together while explaining specific details for carrying out the present invention.

1 is a block diagram schematically illustrating an online lease search system according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a terminal device according to an embodiment of the present invention.
3 is a block diagram showing the configuration of a lease investigation server according to an embodiment of the present invention.
4 is a data flow diagram showing data flow between each component of the online lease search system according to an embodiment of the present invention.
5 is a flow chart for explaining a lease investigation method according to an embodiment of the present invention.

Specific details for carrying out the present invention will be described based on examples. Since these embodiments are provided as examples in order to allow those skilled in the art to understand the specific details for practicing the invention, they can be modified into various other forms, so the scope of the present invention is not limited by the following examples.

In addition, terms used in this specification are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. The suffix “part” for the components used in this specification is given or used interchangeably in consideration of only the ease of writing the specification, and does not itself have a distinct meaning or role.

In this specification, terms such as “include” or “branches” are intended to indicate that there are features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, but one or more other It should be understood that the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof is not precluded.

The drawings in this specification should be understood as representing conceptual views as exemplary embodying the principles of the present invention. That is, it should be understood that the functions shown in the drawings may be substantially represented on a computer readable medium and are performed by various processes performed by a computer or processor regardless of whether or not the computer or processor is explicitly depicted. And, each function can be provided using dedicated hardware as well as hardware capable of executing software in conjunction with appropriate software. When provided by a processor, the functionality may be provided by a single dedicated processor, a single dedicated processor or a plurality of separate processors, some of which may be shared.

In describing the present invention, detailed descriptions of known technologies related to the present invention will be omitted if it is determined that the subject matter of the present invention may be unnecessarily obscured.

1 is a block diagram schematically illustrating an online lease search system according to an embodiment of the present invention. Referring to FIG. 1, the lease investigation system 1000 includes a first terminal device 100, a second terminal device 200, a financial institution server 300, an insurance company server 400, a lease investigation server 500, real estate It may include a management server 600 and a public institution server 700 .

The first terminal device 100, the second terminal device 200, the financial institution server 300, the insurance company server 400, and the lease investigation server 500 constituting the online lease investigation system 1000 according to an embodiment of the present invention. ), the real estate management server 600 and the public institution server 700 may be communicatively connected to each other through a network. Here, the network may include a wireless network and a wired network. Also, a network can be a local area network (eg Bluetooth, WiFi direct or infrared data association (IrDA), Radio Frequency (RF)) or a wide area network (eg a cellular network, the Internet, or a computer network (eg LAN or WAN)). can

The first terminal device 100 may transmit a loan application secured by the rental deposit to the financial institution server 300 and may receive loan execution result information from the financial institution server 300 . The first terminal device 100 may be a lessee who has entered into a lease agreement with a lessor using the second terminal device 200 . At this time, the first terminal device 100 may transmit loan-related documents to the financial institution server 300 together with the loan application. Loan-related documents include, for example, the information of the borrower, that is, the lessee (eg, name, occupation, address, social security number, main bank information, etc.), lease agreement, and information related to the real estate subject to the lease agreement (eg, certified copy of the register, etc.) and information related to consent for the repayment of existing loans.

The second terminal device 200 may receive a bond transfer and/or pledge establishment notice from the lease investigation server 500, and transmit confirmation information on receipt of the deposit return bond transfer and/or pledge establishment notice to the lease investigation server 500. ) can be transmitted. The second terminal device 200 may be a device used by a lessor who has signed a lease agreement with a lessee using the first terminal device 100 . In other words, the lessee can be understood as the creditor and obligor of the lease deposit return claim by issuing the lease deposit to the lessor. Accordingly, the financial institution server 300 receives confirmation from the second terminal device 200 used by the lessor of the receipt of the notice of deposit return bond transfer and/or pledge establishment, and leases the deposit based on the realization of the lease with the opposing force. It is a loan that can be returned from the lessor at maturity, with the rental deposit return bond as collateral.

Here, claims are protected equally regardless of context, and registered chonsegwon is a real right, so rights before and after establishment are independently guaranteed, so claims and registered chonsegwon are different from each other. Therefore, in the case of the creditor's right to lease, the Housing Lease Protection Act, a special law of the Civil Act, is enacted to protect it, and certain conditions must be met to be able to stand against a third party. In other words, the cheonsei or monthly rent lessor and the cheonsei or monthly rent lessee result in collateralizing the target real estate by cheonsei or monthly rent, but in order for the collateral system to properly function as a security right, it must have the nature of a real right. However, the cheonsei system developed in the conventional custom is nothing more than bonded cheonsei that does not have the nature of a real right. In the end, bond-bond cheonsei and monthly rent had no choice but to be regulated by the provisions of the Civil Act, so the Housing Lease Protection Act was enacted and implemented as a special social policy legislation to protect the economically weak. As a result, if you have move-in report and house delivery, that is, if you have counterpower, you can oppose a third party, and if you have a fixed date in the lease contract, you have the right to repay first, and the realization of the claim is granted.

In addition, counterforce means the effect of claiming the legal relationship that has already occurred against another person, and arises by meeting the requirements for counteraction. Looking at Article 450 of the Civil Act related to the requirements for opposition against the transfer of a nominated claim, in paragraph 1, it is stipulated that the transfer of a nominated claim cannot be set against the debtor or a third party unless the transferor notifies the debtor or the debtor consents to it. It is stipulated that such notice or consent cannot be set up against a third party other than the debtor unless it is in accordance with a document with a fixed date. If such a lessee transfers the nominative claim, the assignee must notify the lessor, who is the debtor, of the assignment of the claim, or the lessor must recognize and consent to it in order for the assignee to assert that he has transferred the nominative claim to the debtor.

Therefore, in the lease investigation system 1000 according to an embodiment of the present invention, since the lessor must first transfer the bond and/or establish the pledge, the lease investigation server 500 transfers the bond and/or establishes the pledge. Confirmation of the notification is received from the lessor through the second terminal device 200 .

The second terminal device 200 may provide consent information for the delegation of confirmation of current status with a fixed date to the lease investigation server 500 . In other words, it allows the lease investigation server 500 to view the status of granting a fixed date for the target real estate owned by the lessor in the lease contract, confirms duplicate leases, and prevents the tenant from false contracts such as false rental deposits. damage can be prevented.

The second terminal device 200 may be a device on which a lease investigation platform provided by the lease investigation server 500 is installed or can be used. Accordingly, the second terminal device 200 can easily check the notice of bond transfer and/or pledge establishment through the lease investigation platform and deliver consent or consent information thereto, and consent information for delegation of confirmation of the status of granting a fixed date. It is also easily transferable. In this way, the notification of bond transfer and/or pledge establishment, consent to the delegation of confirmation of the status of granting a fixed date, and confirmation information through the second terminal device 200 may be a document issued with a timestamp to prove that it has not been tampered with. there is. In this case, the timestamp may be issued by the public institution server 700 .

The second terminal device 200 may perform a user authentication process through the lease investigation platform. In the embodiment of the present invention, there are various methods for the authentication process, but it may be performed through, for example, a telecommunication company or a financial institution server. More specifically, the lessor using the second terminal device 200 inputs his or her information through the lease investigation platform, and a certificate issuing agency server designated by the government, a telecommunications company server (not shown), and/or a financial institution server Personal authentication may be performed by comparing the registered information of the lessor registered in (300).

The first terminal device 100 and the second terminal device 200 described above may be connected to a web server through a network, such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), or a tablet PC. It may include all kinds of handheld-based wireless communication devices that have a personal computer (eg, a desktop computer, a notebook computer, etc.), a workstation, a PDA, a web pad, etc. It may be one of the digital devices equipped with a processor and having computing power.

The financial institution server 300 is a server that receives loan application information from the first terminal device 100, and is a financial institution that provides loan products or services (eg, banks, savings banks, credit unions, Saemaul Vaults, etc.) It is a server managed by More specifically, when the financial institution server 300 receives the rental deposit security loan application information from the first terminal device 100, it requests the lease investigation server 500 to investigate the lease relationship for the real estate subject to the lease agreement, and The server 500 may receive a report on a lease investigation result for a real estate subject to a lease contract. The financial institution server 300 may deliver result information on whether or not to execute a loan to the first terminal device 100 according to the result of the lease investigation. The financial institution server 300 may be a subject that transfers the deposit return bond from the lessee. That is, the financial institution server 300 may become an assignee.

The insurance company server 400 may receive real estate rights insurance subscription information from the financial institution server 300 and issue a guaranteed insurance policy. Here, guarantee insurance is an insurance that compensates for damages suffered by creditors due to default in sales, employment, plating, and other contracts. It is an insurance to compensate financial institutions in the event of a loss of profits due to a reason. Although the lease investigation system 1000 according to an embodiment of the present invention has been described as including the insurance company server 400, it is not limited thereto, and since the financial institution server 300 may take over the risk for the guarantee, such In this case, the insurance company server 400 may not be an essential component in the lease investigation system 1000 .

The lease research server 500 is a server that investigates a lease relationship for a real estate subject to a lease contract after receiving a request from the financial institution server 300 to investigate a lease relationship for a real estate subject to a lease contract.

The lease investigation server 500 transfers the notice of bond transfer and/or pledge establishment stored in the memory and the power of attorney for confirming the status of granting the fixed date to the second terminal device 200, and transfers the bond from the second terminal device 200 and/or You can receive confirmation of receipt of the pledge establishment notice, consent information, and consent information for the power of attorney to confirm the status of granting the fixed date. If receipt of the notice of bond transfer and/or pledge establishment from the second terminal device 200 is not confirmed for a preset period of time, the lease investigation server 500 sends the notice of bond transfer and/or pledge establishment to the public institution server 700 You may request to send proof of contents for Thereafter, the lease investigation server 500 sends a proof of content for the notification of bond transfer and/or establishment of pledge from the public institution server 700, and when the lessor receipt completion information is received, the notice of bond transfer and/or establishment of pledge is issued. can be regarded as having been confirmed by the lessor.

The lease investigation server 500 cooperates with the certificate issuing authority to verify the identity of the lessor through the second terminal device 200, and after the identity of the lessor is verified, the notice of bond transfer and/or pledge establishment The consent of the lessor may be obtained. In addition, the lease investigation server 500 is configured to prove that the online bond transfer and/or pledge establishment notice has not been tampered with when the lessor's consent to the bond transfer/and/or pledge establishment notice is received from the second terminal device 200. A timestamp for the purpose is issued from the public institution server 700, and a report on a lease investigation result for a real estate subject to a lease contract may be prepared. At this time, the lease investigation server 500 may receive a timestamp not only for the notification of bond transfer and/or establishment of pledge, but also for consent information for delegation of confirmation of the status of granting a fixed date.

The lease investigation server 500 may transmit a confirmation date grant status confirmation request to the real estate management server 600, issue a confirmation date grant status reading confirmation from the real estate management server 600, and receive the transfer. In this way, the lease investigation server 500 receives a confirmation of viewing the status of the fixed date grant from the real estate management server 600 and checks it to prevent unfair loans due to fraudulent lease contracts by lessors such as duplicate leases and to protect tenants. there is.

The lease investigation server 500 may perform a video call to confirm the tenant's accurate information and reliability, or check the tenant's location information in conjunction with the telecommunications company server to check the tenant's information and create and deliver a report. For example, the lease research server 500 may check workplace information of the tenant through a video call or location information of the tenant.

The lease investigation server 500 conducts a video call to confirm the occupancy of the lessee, such as whether the lessee actually moves into the lessor's property on the day of the loan or thereafter, or checks the tenant's destination occupancy site through a telecommunications company server, etc. and a report thereof may be delivered to the financial institution server 300 .

The lease investigation server 500 is a real estate management server when there is a request for confirmation of a change in the rights of the lessor from the first terminal device 100 or the financial institution server 300 after the loan is made through the financial institution server 300. This may be confirmed from 600 and a right change confirmation investigation report may be transmitted to the first terminal device 100 or the financial institution server 300 . In this embodiment, it has been described that an investigation is conducted when a right change confirmation request is made from the first terminal device 100 or the financial institution server 300, but the lease investigation server 500 is not limited thereto, and the lease investigation server 500 performs a preset period of time. , For example, after the loan is made, a right change may be confirmed every 3 months or 6 months, and a report thereof may be delivered to the financial institution server 300.

The lease investigation server 500 may provide a lease investigation platform. Here, the lease investigation platform may mean a means for using services that can be provided by the lease investigation server 500, such as a web page or a smartphone application, through a network. Accordingly, the second terminal device 200, the financial institution server 300, the real estate management server 600, and the public institution server 700 connected to the lease investigation server 500 through a network can use or install the lease investigation platform. may be a device.

The real estate management server 600 may receive a request for checking the current status of the real estate subject to the lease contract from the lease research server 500, issue a confirmation of viewing the current status of the fixed date, and transmit it to the rental research server 500. In addition, the real estate management server 600 may transmit information thereon to the lease investigation server 500 after confirming a change in rights to a lease contract target real estate when a request for confirmation of a change in rights to a lease contract target real estate is received. The real estate management server 600 may include, for example, a court registration server, a district office server, and a public server for real transaction prices of the Ministry of Land, Infrastructure and Transport.

When the public institution server 700 receives a request for transmission of proof of contents for a notice of bond transfer and/or establishment of a pledge from the lease investigation server 500, it may send the proof of contents to the lessor. In addition, the public institution server 700 may transmit the receipt confirmation information of the certificate of contents to the lease investigation server 500 when it is confirmed that the lessor has received the proof of contents for the notice of bond transfer and/or establishment of pledge.

When the public institution server 700 receives a timestamp request from the lease investigation server 500 to prove that the documents related to the lease investigation, including the notice of transfer of receivables for which the lessor has been confirmed and agreed, have not been falsified, and/or a notice of establishment of a pledge, After confirming this, a timestamp can be issued to prove that the documents related to the lease investigation have not been tampered with. Here, the public institution server 800 may be, for example, a post office server or a certified electronic document broker server providing a certified electronic address service.

Hereinafter, specific configurations of the first terminal device 100 and the second terminal device 200 among the configurations constituting the lease investigation system 1000 according to an embodiment of the present invention will be described in detail.

2 is a block diagram showing the configuration of a terminal device according to an embodiment of the present invention. Here, the terminal devices refer to the first terminal device 100 and the second terminal device 200 in FIG. 1, and it is assumed that the first terminal device 100 and the second terminal device 200 have the same configuration. will be explained below.

Referring to FIG. 2 , a terminal device 100 may include a memory interface 110 , one or more processors 120 and a peripheral interface 130 . Various elements within the terminal device 100 may be connected by one or more communication buses or signal lines.

The memory interface 110 may be connected to the memory 150 and transfer various data to the processor 120 . Here, the memory 150 is a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (eg, SD or XD memory, etc.), RAM, SRAM, ROM, EEPROM, It may include at least one type of storage medium among PROM, network storage, cloud, and blockchain database.

The memory 150 includes an operating system 151, a communication module 152, a graphical user interface (GUI) module 153, a sensor processing module 154, a phone module 155, and an application module 156. , the digital assistant client module 157 and user (user) data may be stored.

The communication module 152 may communicate with at least one of one or more other devices, computers, and servers. More specifically, the first terminal device 100 may communicate with the financial institution server 300 through the communication module 152, and the second terminal device 200 may communicate with the lease investigation server 500 and the communication module 152. ) to communicate.

The graphic user interface module 153 may process a graphic user interface.

The sensor processing module 154 may process sensor-related functions (eg, process voice input received using one or more microphones 192).

The phone module 155 may process phone-related functions.

The application module 156 may perform various functions of user applications, such as electronic messaging, web browsing, media processing, navigation, imaging, and other process functions. The terminal device 100 may store one or more software applications 156 - 1 and 156 - 2 (eg, a rental search platform) associated with any one type of service in the memory 150 .

The memory 150 may store a digital assistant client module 157 (hereinafter referred to as a DA client module), and accordingly, instructions for performing client-side functions of the digital assistant and various user data (158, for example, user custom vocabulary data, preference data, and other data such as the user's electronic address book, to-do list, shopping list, etc.).

Meanwhile, the DA client module 157 includes various user interfaces provided in the terminal device 100, for example, an input/output (I/O, hereinafter referred to as 'I/O') subsystem 140 A user's voice input, text input, touch input, and/or gesture input may be obtained through.

In addition, the DA client module 157 may output audio-visual and tactile data. For example, the DA client module 157 may output data consisting of a combination of at least two of voice, sound, notification, text message, menu, graphic, video, animation, and vibration. In addition, the DA client module 157 may communicate with a digital assistant server (not shown) using the communication subsystem 180 .

The DA client module 157 may collect additional information about the surrounding environment of the terminal device 100 from various sensors, subsystems, and peripheral devices in order to construct a context related to the user input. For example, the DA client module 157 may infer the user's intention by providing context information together with the user input to the digital assistant server. Here, the situational information that can accompany the user input may include sensor information, eg, lighting, ambient noise, ambient temperature, image of the surrounding environment, video, and the like. For another example, the contextual information may include the physical state of the terminal device 100 (eg, device orientation, device location, device temperature, power level, speed, acceleration, motion pattern, cellular signal strength, etc.) . For another example, the context information is information related to the software state of the terminal device 100 (eg, processes running in the terminal device 100, installed programs, past and present network activity, background services, error logs, resource usage, etc.).

The memory 150 may include added or deleted instructions.

The processor 120 can control the overall operation of the terminal device 100, and drives an application or program stored in the memory 150 to determine whether a loan secured by the rental deposit is executed. You can perform various commands to do. More specifically, in the case of the second terminal device 200, the processor 120 may enable a lease investigation platform (or application) or program to run. More specifically, it is possible to run a lease investigation platform (or application) or program that allows the lessor to easily agree to the delegation of checking the status of the granting of the fixed date and to easily check the notification of the transfer of receivables and / or the establishment of a pledge. .

The processor 120 may correspond to an arithmetic device such as a central processing unit (CPU) or an application processor (AP). In addition, the processor 120 may be implemented in the form of an integrated chip (IC) such as a System on Chip (SoC) in which various computing devices such as a Neural Processing Unit (NPU) are integrated.

The peripheral interface 130 is connected to various sensors, subsystems, and peripheral devices to provide data so that the terminal device 100 can perform various functions. Here, it can be understood that the terminal device 100 performs a certain function as being performed by the processor 120 .

The peripheral interface 130 may receive data from the motion sensor 160, the light sensor (or light sensor, 161), and the proximity sensor 162, through which the terminal device 100 may receive orientation, light, and proximity data. sensing function, etc. For another example, the peripheral interface 130 may receive data from other sensors 163 (positioning system-GPS receiver, temperature sensor, biometric sensor), through which the terminal device 100 may receive data from other sensors. It can perform functions related to (163).

The terminal device 100 may include a camera subsystem 170 connected to the peripheral interface 130 and an optical sensor 171 connected thereto, through which the terminal device 100 can take pictures and record video clips. The shooting function can be performed.

The terminal device 100 may include a communication subsystem 180 connected to the peripheral interface 130 . The communication subsystem 180 is composed of one or more wired/wireless networks, and may include various communication ports, radio frequency transceivers, and optical transceivers.

The terminal device 100 includes an audio subsystem 190 connected to the peripheral interface 130, and this audio subsystem 190 includes one or more speakers 191 and one or more microphones 192, so that the terminal device 100 may perform voice-activated functions, such as voice recognition, voice replication, digital recording, and telephony functions.

The terminal device 100 may include an I/O subsystem 140 connected to the peripheral interface 130 . For example, the I/O subsystem 140 may control the touch screen 143 included in the terminal device 100 through the touch screen controller 141 . For example, in the case of the first terminal device 100, information for applying for a loan using the rental deposit as collateral may be input through the touch screen, and whether or not the loan is available may be displayed, and the second terminal device 200 In the case of , it is possible to facilitate the confirmation of the delegation of confirmation of the status of granting the fixed date and the notification of the transfer of receivables and/or the establishment of the right of pledge. The touch screen controller 141 uses any one of a plurality of touch sensing technologies such as capacitive, resistive, infrared, surface acoustic wave technology, proximity sensor array, and the like to interrupt the user's contact and movement or contact and movement. can be detected. For another example, I/O subsystem 140 may control other input/control devices 144 included in terminal device 100 through other input controller(s) 142 . As an example, other input controller(s) 142 may control one or more buttons, rocker switches, thumb-wheels, infrared ports, USB ports, and pointer devices such as styluses and the like.

Next, the specific configuration of the lease investigation server 500 among the components constituting the lease investigation system 1000 according to an embodiment of the present invention will be described in detail.

3 is a block diagram showing the configuration of a lease investigation server according to an embodiment of the present invention. Referring to FIG. 3, the lease investigation server 500 may include a communication interface 510, a memory 520, an input/output interface (I/O Interface, 530), and a processor 540, each component comprising one or more They can communicate with each other through a communication bus or signal line.

The communication interface 510 may be connected to the second terminal device 200, the financial institution server 300, and the real estate management server 600 through a wired/wireless communication network to exchange data. More specifically, the communication interface 510 transmits a power of attorney for confirming the status of granting a fixed date and a notification of bond transfer and/or establishment of a pledge to the second terminal device 200, and transmits consent information and bonds for delegation of confirming the status of granting a fixed date to the second terminal device 200. Transfer and/or pledge establishment notification confirmation information is received, and a request for investigation of the lease relationship for the real estate subject to the lease agreement is received from the financial institution server 300, and the lease relationship for the real estate subject to the lease agreement investigated by the processor 540 is received. A report as a result of the investigation may be delivered to the financial institution server 300 . In addition, the communication interface 510 may request confirmation of the current status of a fixed date assigned to the real estate subject to the lease contract to the real estate management server 600 and may receive a confirmation of reading the current status of a fixed date.

The communication interface 510 includes a wired communication port 511 and a wireless circuit 512, and the wired communication port 511 includes one or more wired interfaces, such as Ethernet, Universal Serial Bus (USB), FireWire, etc. can include Also, the wireless circuit 512 may transmit/receive data with an external device through an RF signal or an optical signal. In addition, wireless communication may use at least one of a plurality of communication standards, protocols and technologies, such as GSM, EDGE, CDMA, TDMA, Bluetooth, Wi-Fi, VoIP, Wi-MAX, or any other suitable communication protocol.

The memory 520 may store various data used in the lease investigation server 500 . For example, the memory 520 may store a form program or algorithm for confirming current status of confirmation of fixed date and delegation information transmitted to the second terminal device 200 and a form program or algorithm for notification of bond transfer and/or establishment of pledge.

The memory 520 may include a volatile or non-volatile recording medium capable of storing various data, commands, and information. More specifically, the memory 520 may store information received from the second terminal device 200 and the real estate management server 600, and may store an investigation result report generated based thereon. The memory 520 may include, for example, flash memory type, hard disk type, multimedia card micro type, card type memory (eg SD or XD memory, etc.), RAM, SRAM, ROM, EEPROM, PROM, network storage It may include at least one type of storage medium among storage, cloud, and blockchain database.

The memory 520 may store configurations of at least one of an operating system 521 , a communication module 522 , a user interface module 523 , and one or more applications 524 .

An operating system (521, e.g., embedded operating systems such as LINUX, UNIX, MAC OS, WINDOWS, VxWorks, etc.) controls and manages general system tasks (e.g., memory management, storage device control, power management, etc.) It may include various software components and drivers for various hardware, firmware, and communication between various software components.

The communication module 522 may support communication with other devices through the communication interface 510 . The communication module 522 may include various software components for processing data received by the wired communication port 511 or the wireless circuit 512 of the communication interface 510 .

The user interface module 523 may receive a user's request or input from a keyboard, touch screen, microphone, etc. through the I/O interface 530 and provide a user interface on a display.

Applications 524 may include programs or modules configured to be executed by one or more processors 540 . Here, the application 524 may be software for performing a lease relationship investigation to protect the lessee from fraudulent charter.

The I/O interface 530 may connect at least one of an input/output device (not shown) of the lease investigation server 500, for example, a display, a keyboard, a touch screen, and a microphone, to the user interface module 523. The I/O interface 530 may receive user input (eg, voice input, keyboard input, touch input, etc.) together with the user interface module 523 and process a command according to the received input.

Among the I/O interfaces 530, the display may output various interface screens provided by the lease research server 500. For example, the display may be a touch-sensitive display.

The processor 540 is connected to the communication interface 510, the memory 520, and the I/O interface 530 to control the overall operation of the lease research server 500, and an application or program stored in the memory 520. Through this, various orders can be executed so that the lessor relationship investigation to prevent fraud and false transactions is made.

The processor 540 may correspond to a computing device such as a central processing unit (CPU) or an application processor (AP). In addition, the processor 540 may be implemented in the form of an integrated chip (IC) such as a System on Chip (SoC) in which various computing devices are integrated.

More specifically, the processor 540 transmits documents related to the lease relationship investigation to the second terminal device 200 when a lease relationship investigation is requested from the financial institution server 300 . At this time, the documents related to the investigation of the lease relationship may be a power of attorney for confirming the status of granting a fixed date and a notice of bond transfer and/or establishment of a pledge.

In addition, the processor 540 may transmit a request to view the status of the fixed date assignment to the real estate management server 600 when the consent information and confirmation information for the documents related to the lease relationship investigation are transmitted from the second terminal device 200 .

In addition, the processor 540 transmits, to the public institution server 700, information related to the lease relationship investigation, including the notice of bond transfer and/or establishment of the pledge, to the public institution server 700 if consent and confirmation information for the lease relationship investigation related documents is not received for a preset period of time. It is possible to request the transmission of proof of contents, and if the documents related to the lease relationship investigation are received within a preset period, it is possible to request the public institution server 700 to issue a timestamp to prove that the documents related to the lease relationship investigation have not been tampered with.

In addition, the processor 540 allows the real estate management server 600 to issue and receive a confirmation date reading status confirmation document so that the received documents are stored in the memory 520, and generates a lease investigation result report to the financial institution server 300 can be forwarded to

In addition, the processor 540 may request the real estate management server 600 to confirm a change in real estate rights, and may generate a report therefor and deliver it to the financial institution server 300 . In this case, the request for confirmation of change in real estate rights may be made after the loan is made to the lessee.

In addition, the processor 540 may check information on the lessee, confirm whether or not the lessee moved in on the day of the loan, and deliver a report thereof to the financial institution server 300 .

Looking at the data flow of the online lease investigation system 1000 according to the embodiment of the present invention configured as described above, FIG. 4 is shown below.

4 is a flowchart for explaining data flow between components constituting the online lease search system according to an embodiment of the present invention.

Referring to FIG. 4 , when a lease agreement is made between a lessee using the first terminal device 100 and a lessor using the second terminal device 200, the lessee pays a rental deposit through the first terminal device 100. In order to receive a loan as collateral, the rental deposit security loan application is transmitted to the financial institution server 300 (S101). At this time, the first terminal device 100 transmits loan related documents together with the rental deposit security loan application, and the loan related documents are the information of the borrower, that is, the lessee (eg, name, occupation, address, resident registration number, main transaction) bank information), lease agreement, information related to the real estate subject to the lease agreement (eg, certified copy of register, etc.), and information related to consent to the repayment of an existing loan.

The financial institution server 300 requests the lease investigation server 500 to investigate a lease relationship related to a real estate subject to a lease contract when an application for a rental deposit security loan is transmitted from the first terminal device 100 (S102). At this time, the financial institution server 300 may forward the loan-related documents received from the first terminal device 100 to the lease investigation server 500 together with the lease relation investigation request.

The lease investigation server 500 conducts a tenant information confirmation investigation based on the tenant information transmitted from the financial institution server 300 (S103).

Next, the lease investigation server 500 transmits documents related to the lease relationship investigation, including a notice of bond transfer and/or establishment of a pledge, and a letter of authorization for confirmation of granting a fixed date to the second terminal device 200 for the purpose of investigating the lease relationship (S104).

The second terminal device 200 authenticates the lessor and checks documents related to the lease relationship investigation (S105). At this time, the authentication may be performed through the lease investigation platform provided by the lease investigation server 500, and through the lease investigation platform, at least one of a certificate issuing institution server, a communication company server (not shown), or a financial institution server 300 and In connection, personal authentication may be performed by comparing information directly input by the lessor with registration information of the lessor registered in at least one of the certificate issuing authority server, the communication company server, and the financial institution server 300 . Subsequently, the second terminal device 200 transmits documents related to lease relationship investigation, that is, confirmation of consent to a notice of bond transfer and/or establishment of a pledge, and consent confirmation information to a power of attorney for confirmation of granting a fixed date to the lease investigation server 500. It is transmitted to (S106).

After receiving the documents related to the lease relationship investigation from the second terminal device 200, the lease investigation server 500 checks whether or not the lessor consents to the documents transmitted through the second terminal device 200. Check (S107).

Subsequently, the lease investigation server 500 requests the public institution server 700 to issue a timestamp to confirm that the documents related to the lease relationship investigation have not been tampered with (S108), and the public institution server 700 authenticates the lessor himself. and documents related to the lease relationship investigation are checked, and a timestamp is issued and transmitted to the lease investigation server 500 (S109).

Next, the lease investigation server 500 requests the real estate management server 600 to check the current status of granting the fixed date related to the real estate subject to the lease contract (S110), and the real estate management server 600 issues a confirmation of the current status of granting the fixed date to investigate the lease It is delivered to the server 500 (S111).

Subsequently, the lease investigation server 500 stores documents transmitted from the financial institution server 300, the second terminal device 200, the real estate management server 600, and the public institution server 700 in the memory 520, By comparing and analyzing them (S112), a lease investigation result report is generated (S113).

The lease investigation result report prepared by the lease investigation server 500 is transmitted to the financial institution server 300 (S114), and the financial institution server 300 is based on the lease investigation report transmitted from the lease investigation server 500. After conducting the rental deposit security loan examination applied through the first terminal device 100 (S115), the loan examination result is transmitted to the first terminal device 100 (S116). Next, a lease investigation method of the online lease investigation system 1000 according to an embodiment of the present invention will be described.

5 is a flow chart sequentially showing a lease investigation method according to an embodiment of the present invention. Meanwhile, the lease investigation method according to an embodiment of the present invention may be performed by the processor 540 of the lease investigation server 500.

Referring to FIG. 5, when the lease investigation server 500 receives a lease relationship investigation request for a rental deposit security loan from the financial institution server 300 (S201), the lease investigation server 500 removes documents related to the lease relationship investigation. 2 It is transmitted to the terminal device 200 (S202). At this time, the documents related to the investigation of the lease relationship may include a power of attorney for confirming the status of granting a fixed date and a notice of bond transfer and/or establishment of a pledge.

Subsequently, the lease investigation server 500 determines whether documents related to the lease relationship investigation have been received from the second terminal device 200 (S203), and when it is determined that the documents related to the lease relationship investigation have been received from the second terminal device 200 (S203). Documents related to the lease relationship investigation are checked (S204). At this time, the documents related to the lease relationship investigation transmitted from the second terminal device 200 may be documents for which the lessor's authentication has been completed.

On the other hand, if the lease investigation server 500 does not receive documents related to the lease relationship investigation within a preset period from the second terminal device 200, it requests the public institution server 700 to send proof of content (S205), and the public institution server When the certificate of contents is sent and the lessor receipt confirmation information is received from (700) (S206), documents related to the lease investigation are checked (S204).

Then, the lease investigation server 500 requests the public institution server 700 to issue timestamps for the documents related to the lease relationship investigation transmitted from the second terminal device 200, and sends a timestamp request from the public institution server 700. can be received (S207). At this time, the timestamp can prove that the documents related to the lease relationship investigation have not been tampered with by checking whether the lessor is authenticated.

Subsequently, the lease investigation server 500 transmits a request for confirmation of the current status of the grant of the fixed date together with consent information on the delegation of confirmation of the current status of the grant of the fixed date transmitted from the second terminal device 200 to the real estate management server 600 (S208). ).

Subsequently, the lease investigation server 500 determines whether the confirmation date grant status confirmation is received from the real estate management server 600 (S209), and if it is determined that the confirmation date grant status confirmation is received from the real estate management server 600, the confirmation date Stores documents related to lease relationship investigation, including grant status confirmation, loan-related documents transmitted when the first terminal device 100 applies for a loan to the financial institution server 300, and notice of bond transfer and/or pledge establishment, and lease relationship investigation Based on the related documents, the lease relationship is analyzed (S210), a lease investigation report is prepared, and the prepared lease investigation report is transmitted to the financial institution server 300 (S211). More specifically, the lease investigation server 500 may determine whether or not the lessor is duplicatively renting the target real estate by analyzing the confirmed date reading status confirmation related to the real estate subject to the lease contract. Thus, the present invention can prevent damage to the lessee due to overlapping rental of the same real estate, and also prevent loan fraud.

An online lease search system and method according to various embodiments of the present disclosure may be described as follows.

The online lease investigation system according to an embodiment of the present invention is a first terminal device that transmits an application for a loan deposit secured by a tenant who is a lending party, and a lessor who has signed a real estate lease contract with the lessee confirms the status of granting a definite date for the real estate under the lease contract A financial institution that receives a power of attorney, receives an application for a rental deposit security loan through the second terminal device and the first terminal device that transmits consent information on the power of attorney, and requests an investigation of the lease relationship for the real estate under the lease contract It may include a server, a lease investigation server that investigates the lease relationship for the real estate subject to the lease contract in response to a request for a lease relationship investigation, and a real estate management server that issues a confirmation of the status of granting a definite date for the lease contract real estate and delivers it to the lease investigation server. .

According to another feature of the present invention, the second terminal device may transmit consent information for a power of attorney for confirming current status with a fixed date after proceeding with authentication of the lessor.

According to another feature of the present invention, the second terminal device may transmit confirmation of receipt of the bond transfer and pledge establishment document to the lease investigation server together with consent information on the delegation of confirmation of the status of the fixed date assignment.

According to another feature of the present invention, from the second terminal device, a certificate of content is issued for documents related to a lease relationship investigation, including a power of attorney for confirming the status of granting a fixed date and a notification of bond transfer and pledge establishment, and after completing the lessor's identity authentication, the lessor consents A public institution server issuing a timestamp that can confirm that the document related to the confirmed lease relationship investigation has not been tampered with can be further included.

According to another feature of the present invention, if the lease investigation server does not receive documents related to the lease relationship investigation within a preset period from the second terminal device, the public institution server requests issuance of proof of contents for the documents related to the lease relationship investigation, When information confirming the receipt of the certificate of contents by the lessor is received from the server of the public institution, it may be regarded that the lessor has consented to the documents related to the investigation of the lease relationship.

According to another feature of the present invention, the lease investigation server may investigate whether a real estate subject to a lease contract is being rented repeatedly after receiving a confirmation of the status of a fixed date assignment from the real estate management server.

An online lease investigation method according to an embodiment of the present invention is performed by a processor of a lease investigation server, and the step of receiving a request for a lease relationship investigation for a real estate subject to a lease contract from a financial institution server to which a lessee has applied for a loan with a rental deposit as collateral , Sending the power of attorney for confirming the status of granting the fixed date to the terminal device used by the lessor for the purpose of investigating the lease relationship Checking whether there is consent information, checking the current status of granting a fixed date If there is consent information on the power of attorney, sending a request to check the current status of granting a fixed date for the real estate subject to the lease contract, Confirming the current status of granting a fixed date When the confirmation is received, it may include the step of investigating the lease relationship for the real estate subject to the lease contract based on the confirmation of the status of granting the fixed date, preparing a lease investigation result report reflecting the investigation result, and delivering the prepared lease investigation result report. there is.

According to another feature of the present invention, in the step of delivering to the terminal device used by the lessor, the lease agreement real estate-related bond transfer and pledge can be delivered together.

According to another feature of the present invention, in the step of checking whether there is consent information of the lessor, after performing identity authentication for the lessor, it is possible to check whether there is consent information of the lessor for the power of attorney for confirming the current status of the fixed date.

According to another feature of the present invention, in the step of investigating the lease relationship, it is possible to investigate whether or not the real estate subject to the lease contract is overlapped on the basis of the confirmation of the current status of the fixed date.

It should be understood that the foregoing embodiments are illustrative in all respects and not restrictive, and the scope of the present invention will appear in the claims to be described later rather than in the foregoing detailed description. And it should be construed as being included in the scope of the present invention, including the meaning and scope of the claims to be described later, as well as all changes and modifications derived from the equivalent concept.

1000: Online Lease Survey System
100: first terminal device
200: second terminal device
300: financial institution server
400: insurance company server
500: Lease investigation server
600: real estate management server
700: public institution server

Claims (11)

A first terminal device for transmitting an application for a loan secured by a rental deposit of a borrower who is a lending party;
A second terminal device that receives a power of attorney for confirming the status of granting a fixed date for the real estate under the lease contract from the lessor who has concluded a real estate lease contract with the lessee, and transmits consent information on the power of attorney for confirming the current status of granting the fixed date;
a financial institution server receiving the rental deposit security loan application through the first terminal device and requesting a lease relationship investigation on the leased real estate;
a lease research server that investigates a lease relationship for the real estate subject to the lease agreement in response to the lease relationship investigation request; and
Including, a real estate management server that issues a confirmation of the status of granting a fixed date for the lease contract real estate and delivers it to the lease investigation server,
Online Lease Search System. The method of claim 1, wherein the second terminal device,
After proceeding with the identity verification for the lessor, forwarding consent information for the power of attorney for confirming the status of granting the fixed date,
Online Lease Search System. The method of claim 2, wherein the second terminal device,
Along with the consent information on the delegation of confirmation of the status of granting the fixed date, confirmation of receipt of the notice of bond transfer and pledge establishment is also transmitted to the lease investigation server,
Online Lease Search System. According to claim 3,
From the second terminal device, a certificate of content for the documents related to the lease relationship investigation including the power of attorney for confirming the status of granting the fixed date and the notice of bond transfer and pledge establishment is issued, and after the lessor authentication is completed, the lessor consent is confirmed. A public institution server that issues a timestamp that can confirm that the documents related to the lease relationship investigation have not been tampered with; further comprising,
Online Lease Search System. According to claim 4,
If the lease investigation server does not receive the lease relation investigation related documents from the second terminal device within a preset period of time, the public institution server requests issuance of content verification for the lease relation investigation related documents, and from the public institution server If the proof of contents is received by the lessor and the information confirming receipt of the lessor is received, the lessor is deemed to have agreed to the documents related to the lease relationship investigation.
Online Lease Search System. The method of claim 1, wherein the lease investigation server,
After receiving the confirmation of the status of granting the definite date from the real estate management server, investigating whether the real estate subject to the lease contract is being rented repeatedly,
Online Lease Search System. According to claim 1,
The lease investigation server conducts a video call to confirm the occupancy of the lessor's real estate on or after the day of the loan, or checks the occupancy site of the lessee through the server of the telecommunications company, etc., and sends a report to the financial institution server. conveying,
Online Lease Search System. A method of investigating a lease relationship for a real estate subject to a lease agreement made between a lessor and a lessee by a processor of a lease investigation server, the method comprising:
Receiving a request for a lease relationship investigation on the real estate subject to the lease contract from a financial institution server to which the lessee has applied for a loan using the rental deposit as collateral;
Transmitting a power of attorney for confirmation of the status of granting a fixed date to a terminal device used by the lessor for the purpose of investigating the lease relationship;
checking whether there is consent information of the lessor for the power of attorney for confirming the current status of the fixed date grant when the power of attorney for confirming the status of granting the fixed date is received from the terminal device used by the lessor;
transmitting a request for confirming the current status of a fixed date for the real estate subject to the lease contract if there is consent information on the power of attorney for confirming the current status of the fixed date;
Investigating the lease relationship for the real estate subject to the lease contract based on the confirmation of the current status of the fixed date grant upon receiving the confirmation of the current status of the fixed date grant in response to the request for confirmation of the current status of the fixed date grant; and
Creating a lease investigation result report by reflecting the investigation results and delivering the prepared lease investigation result report;
How to research an online lease. The method of claim 8, wherein in the step of delivering to the terminal device used by the lessor,
Delivering the bond transfer and pledge establishment document related to the lease contract real estate together,
How to research an online lease. The method of claim 8, wherein in the step of checking whether there is consent information of the lessor,
After performing identity authentication for the lessor, confirming whether there is consent information of the lessor for the power of attorney for confirming the current status of the fixed date,
How to research an online lease. The method of claim 10, wherein in the step of investigating the lease relationship,
Based on the confirmation of the status of granting the definite date, whether or not the real estate subject to the lease contract is over-leased,
How to research an online lease.

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