WO2023055057A1 - Method and system for predicting commercial store premium, arranging transaction and managing right of pledge - Google Patents
Method and system for predicting commercial store premium, arranging transaction and managing right of pledge Download PDFInfo
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- WO2023055057A1 WO2023055057A1 PCT/KR2022/014525 KR2022014525W WO2023055057A1 WO 2023055057 A1 WO2023055057 A1 WO 2023055057A1 KR 2022014525 W KR2022014525 W KR 2022014525W WO 2023055057 A1 WO2023055057 A1 WO 2023055057A1
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F17/00—Digital computing or data processing equipment or methods, specially adapted for specific functions
- G06F17/10—Complex mathematical operations
- G06F17/18—Complex mathematical operations for evaluating statistical data, e.g. average values, frequency distributions, probability functions, regression analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
- G06N20/00—Machine learning
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
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Definitions
- the description below relates to a technology for arranging a transaction by predicting a commercial property right amount.
- Key money refers to an additional non-refundable amount that is paid in consideration of not only the value of the object itself but also the surrounding market price and economic advantages when leasing a commercial building.
- Korean Patent Publication No. 10-2002-0007942 discloses a technology for evaluating commercial property rights through a database search on the Internet.
- a system that guarantees value in the public domain, such as rental deposits, can be introduced into the premium market.
- a method for trading premiums performed in a computer system comprising the steps of: predicting the premiums of a shop based on information related to the shop by at least one processor included in the computer system; and providing, by the at least one processor, the premium as a trading reference price for the transaction of the shopping mall.
- the predicting may include the mall through a machine learning model using basic mall information including the location and area of the mall and rental deposit, and mall flow information including changes in commercial district indicators and sales information trends. of can be predicted.
- the claim transaction method may further include, by the at least one processor, recording information necessary for predicting and trading the premium of the shopping mall in a blockchain-based transaction ledger.
- the predicting step may include learning an artificial intelligence (AI)-based machine learning model using data for each commercial district; Periodically predicting the premium by reflecting changes in commercial district elements over time with respect to the machine learning model; And it may include the step of recording periodic premium prediction details in a blockchain-based transaction ledger.
- AI artificial intelligence
- the predicting may further include verifying an anomaly for a newly registered premium based on information recorded in the transaction ledger.
- the method of trading the premium may further include providing, by the at least one processor, a loan transaction with the premium as collateral based on a blockchain smart contract.
- the providing of the loan transaction may include calculating a possible loan amount using periodic deposit prediction details recorded in a blockchain-based transaction ledger; and executing a loan for the loanable amount by setting a pledge on the premium when the investment by the investor reaches the loanable amount.
- 1 and 2 are exemplary diagrams for explaining a process of implementing a premium prediction model in one embodiment of the present invention.
- 3 to 4 are exemplary diagrams for explaining a loan transaction process using key money in one embodiment of the present invention.
- FIG. 5 is an exemplary diagram for explaining an automated process of updating decision variables for prediction of premiums in one embodiment of the present invention.
- FIG. 6 is a flowchart illustrating detailed procedures for predicting and trading premiums in one embodiment of the present invention.
- FIG. 7 is a flowchart illustrating a detailed procedure for a loan transaction according to an embodiment of the present invention.
- FIG. 8 illustrates an example of a service screen that can be linked with a premium trading platform in one embodiment of the present invention.
- FIG. 9 is a block diagram illustrating an example of a computer system according to one embodiment of the present invention.
- Embodiments of the present invention relate to technologies for supporting the prediction of commercial property rights, transaction arrangements, and pledge management.
- Embodiments including those specifically disclosed herein may provide a universal platform for convenience and transparency in the public domain in relation to commercial property rights.
- a premium contract refers to a contract in which business facilities, fixtures, customers, credit, business know-how, business advantages according to the location of a commercial building are transferred or used in whole or individually, and the price is paid for them.
- premiums are composed of the premiums of tangible elements calculated by the cost method in principle, and the premiums of intangible elements calculated by the total return multiplier method among the revenue reduction method and the transaction case comparison method.
- Premiums refer to facility premiums, meaning compensation for facility investment, leasehold value, which is the price for transferring lease rights, and area premiums, meaning compensation based on compensation provisions other than ownership under the Land Compensation Act, and goodwill considerations transferred together with store lease rights. It may include business rights to do so.
- appraisal theory it is conceptually possible to separately evaluate the value of leasehold rights and the value of goodwill, and in reality, it is possible to evaluate the value of premiums excluding the rights to facilities based on the sum of the present value of the total excess expected operating profit of the store.
- a study is being conducted to calculate the premium for a commercial building by assigning representativeness to the monthly sales after conducting a regression analysis on the number of occupied floors, area, total number of floors in the building, monthly sales, facility cost, and business period.
- premium contracts do not have a notarized platform, creating opaque transactions and inefficient markets.
- 'price trading platform' a general-purpose platform for commercial property rights
- 'price trading platform' serves as a registry office that maintains the history of rights trading and predicts fluctuations in rights and provides a platform that plays the role of an exchange that arranges trading can do.
- the present embodiments may provide a loan trading platform that secures the rights as a platform that serves as a pledge management role for the rights.
- the premium trading platform according to the present invention may include a model for predicting premiums made of intangible elements among commercial premiums.
- 1 and 2 are exemplary diagrams for explaining a process of implementing a premium prediction model in one embodiment of the present invention.
- the machine learning model 100 is a decision tree, random forest, SVM (Support Vector Machine), linear regression, ANN (Artificial Neural Network), DNN (Deep Neural Network), CNN (Convolution Neural Network), regression analysis, machine You can use models based on algorithms of learning and deep learning.
- the artificial intelligence (AI)-based machine learning model 100 can be learned using data for each commercial district on the existing premium contract details 10. It is possible to select an optimal model for prediction of premiums from among a plurality of machine learning models 100 through the suitability verification for each model based on the prediction model and parameter search for each commercial district.
- the model can be updated by reflecting changes in decision variables related to the premium to the premium prediction model 210, and also, based on the information recorded in the blockchain-based transaction ledger, an outlier for a premium transaction newly registered on the platform. (anomaly) can be verified.
- the rights trading platform according to the present invention may include a blockchain-based transaction ledger system capable of transparently recording the details of the rights and interests of the shopping mall.
- blockchain smart contract technology can be introduced as a transaction ledger that anyone can inquire and transaction records are not damaged.
- Property information such as the location, size, and rental conditions of the shopping mall specified in the lease contract, and the predicted value of the premium according to the trend of card sales and changes in commercial district elements, etc. can be recorded in the blockchain-based transaction ledger system.
- a blockchain-based transaction recording system can be used as a transaction ledger for recording the details of the commercial property rights transaction.
- the rights trading platform according to the present invention may include a rights sale registration and transaction conclusion system.
- the rights trading platform according to the present invention may include a loan transaction system that secures commercial rights.
- 3 to 4 are exemplary diagrams for explaining a loan transaction process using key money in one embodiment of the present invention.
- the title trading platform provides a loanable amount and loan conditions (eg, interest rate, principal and interest repayment) date, etc.) can be calculated (S32).
- the rights trading platform discloses the loan product requested by the rights owner 301 to recruit investors 302 (S33)
- the investment money can be received from the investor 302 (S34).
- the payment of the investment can utilize the escrow system.
- the rights trading platform sets a pledge for the rights to the commercial property of the rights owner 301 (S35), and then pays the loan to the rights owner 301 (S36). .
- the deposit trading platform can execute a loan by setting a pledge for the deposit of a commercial building based on the blockchain smart contract 300 and calculating the loanable amount and loan conditions.
- the rights trading platform gives the investor 302 the investment money according to the principal and interest repayment schedule based on the blockchain smart contract 300. After repaying (S42), it is possible to cancel the pledge set in front of the investor 302 for the commercial property rights of the owner of the rights 301 (S43).
- the premium trading platform may include modeling for commercial property premium prediction as the premium prediction model 210 .
- premium prediction modeling may be defined as in Equation 1.
- the premium trading platform according to the present invention is a premium decision variable ( ) can be automated.
- FIG. 5 is an exemplary diagram for explaining an automated process of updating decision variables for prediction of premiums in one embodiment of the present invention.
- the premium trading platform uses the commercial property flow information 520 obtained from an external system that can be linked with the platform together with the basic information 510 of the commercial property registered in the platform to determine the decision variable for predicting the premium ( ) can be updated periodically.
- the shopping mall basic information 510 may include location, area, rental deposit, etc.
- the commercial district flow information 520 may include changes in commercial district indicators representing commercial district information, trends in sales information such as card sales, etc. .
- commercial area information can be obtained through the Small Enterprise Market Promotion Agency API
- sales information can be obtained through card sales scrapping of a POS system.
- the rights trading platform is a platform configuration for the prediction and trading of rights, an interface for inquiry/transaction request of rights, a blockchain-based transaction ledger in which information necessary for prediction and trading of rights is recorded, an interface for updating rights prediction, It can include a premium prediction model for verifying premiums, an interface for periodic environmental variable updates based on commercial flow information, and an interface for loan application/loan execution/loan repayment as a platform configuration for loan transactions, loan transactions ( It may include a blockchain-based transaction ledger recording information necessary for ownership of rights and collateral value, establishment and cancellation of rights pledge, and an interface for opening loan products/payment of investment/payment of principal and interest.
- FIG. 6 is a flowchart illustrating detailed procedures for predicting and trading premiums in one embodiment of the present invention.
- the key money trading platform may mediate a key money transaction contract between the owner of the key money and the buyer. If the rights transaction contract is made as a written contract, it can be recorded in the blockchain-based transaction ledger by attaching the scanned image of the contract to the 2nd stage blockchain. In the case of a contract through the rights trading system provided by the rights trading platform, it can be evidenced by the electronic signature of each contracting party (for example, a joint certificate, etc.).
- the detailed items for the right money transaction contract include the amount of trading rights, items of the commercial rental contract (eg location information, area, rental fee information such as rental deposit, contract period, etc.), facility information (eg investment amount, appraised value, etc.) , seller/buyer type of business, seller/buyer name, etc.
- items of the commercial rental contract eg location information, area, rental fee information such as rental deposit, contract period, etc.
- facility information eg investment amount, appraised value, etc.
- seller/buyer type of business e.g., seller/buyer type of business
- seller/buyer name e.g., etc.
- the rights trading platform may record transaction details in a blockchain-based transaction ledger.
- a transaction block including detailed items of the premium contract collected in step S601 and valid contract matters between contracting parties (a written contract, a certificate of seal impression, or an electronic signature, etc.) may be generated.
- the rights trading platform may write the commercial rights flow information at the time of signing the rights trading contract in the blockchain-based transaction ledger.
- the commercial area flow information may include seller's existing sales information obtainable through card sales scrapping of the POS system, commercial area information obtainable through the Small Enterprise Market Promotion Agency API, and the like.
- the rights trading platform can verify the parameters of the corresponding region based on the key money determining factors. For example, a premium trading platform can determine whether a newly registered premium is appropriate by using an optimal model determined to have high prediction accuracy.
- the rights trading platform may record the verification result in step S604 in the blockchain-based transaction ledger as whether or not the rights registered in the platform are abnormal.
- the rights trading platform can add 'verified' or 'unverified' tags depending on whether the newly registered rights are appropriate.
- the premium trading platform can predict changes in premium based on supervised learning based on changes in determining factors for premium.
- the premium trading platform can calculate the change in premium for each shopping center by reflecting changes in the flow information of the commercial district at a predetermined period (eg, monthly).
- the premium trading platform may expose premium prediction details for each shopping mall and premium prediction details of at least one nearby shopping mall located within a certain radius based on the corresponding merchant house.
- the rights trading platform can record the periodic rights prediction details in the blockchain-based transaction ledger, and can disclose the rights data by shopping district or by commercial district and present it as the standard trading price. If the owner of the rights holder has an intention to sell, the rights trading platform can convert the property to a trading state, receive bids, and arrange trades.
- FIG. 7 is a flowchart illustrating a detailed procedure for a loan transaction according to an embodiment of the present invention.
- the premium trading platform may receive a loan application from a premium owner having authority over commercial property premiums.
- the rights trading platform can confirm the rights owner who has applied for a loan in the blockchain-based transaction ledger. In other words, the rights trading platform can check the legal ownership through the transaction ledger.
- the rights trading platform may calculate the value of collateral through the predicted price of rights.
- the premium trading platform can calculate the loanable amount based on rules using periodic premium predictions recorded in the blockchain-based transaction ledger.
- the rights trading platform may expose the loan products requested by the rights owner to investors.
- the deposit trading platform can expose loan products through the loan section on the platform.
- the key money trading platform may establish a pledge for the key money and proceed with escrowing the investment money and executing loans.
- the rights trading platform executes the loan and can record the rights to pledge rights in the blockchain-based transaction ledger.
- the rights trading platform may proceed with escrow and loan repayment for the principal and interest of the loan.
- the rights trading platform can deliver the amount of repayment of the principal and interest of the borrower, that is, the rights holder who received the loan, to the investor.
- step S707 when the principal and interest of the loan is completed by the owner of the rights, the rights transaction platform may cancel the rights to the rights recorded in the blockchain-based transaction ledger.
- the rights trading platform according to the present invention can be linked with an existing platform that provides commercial rental information in the form of an API method or an affiliate site.
- premium information 801 for each shop may be exposed.
- a hyperlink movable to a premium trading platform for predicting commercial property premiums, arranging transactions, and managing pledge rights may be inserted into the premium information 801 .
- the present embodiments can prevent disputes over rights that may occur in the case of a commercial lease agreement, and can eliminate uncertainty by establishing a transparent transaction system.
- the rights trading platform according to the present invention is a block chain-based open platform, and the rights buyer can actively provide data, and the trend of rights rights can be predicted by reflecting various conditions periodically.
- the premium trading platform can determine the appropriateness of the premium registered on the platform as well as predict the premium, and can support the brokerage of the premium transaction for the corresponding store.
- the rights trading platform according to the present invention can serve as an exchange focusing on financial transactions by providing pledge setting and lending services for rights.
- FIG. 9 is a block diagram illustrating an example of a computer system according to one embodiment of the present invention.
- the above-described premium trading platform may be implemented by the computer system 900 configured as shown in FIG. 9 .
- a computer system 900 is a component for executing the rights trading method according to embodiments of the present invention, and includes a memory 910, a processor 920, a communication interface 930, and input/output. interface 940.
- the memory 910 is a computer-readable recording medium and may include a random access memory (RAM), a read only memory (ROM), and a permanent mass storage device such as a disk drive.
- RAM random access memory
- ROM read only memory
- a permanent mass storage device such as a disk drive
- a non-perishable mass storage device such as a ROM and a disk drive may be included in the computer system 900 as a separate permanent storage device separate from the memory 910 .
- an operating system and at least one program code may be stored in the memory 910 .
- These software components may be loaded into the memory 910 from a computer-readable recording medium separate from the memory 910 .
- the separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, and a memory card.
- software components may be loaded into the memory 910 through a communication interface 930 rather than a computer-readable recording medium.
- software components may be loaded into memory 910 of computer system 900 based on a computer program installed by files received over network 960 .
- the processor 920 may be configured to process commands of a computer program by performing basic arithmetic, logic, and input/output operations. Instructions may be provided to processor 920 by memory 910 or communication interface 930 . For example, processor 920 may be configured to execute received instructions according to program codes stored in a recording device such as memory 910 .
- Communication interface 930 may provide functionality for computer system 900 to communicate with other devices via network 960 .
- a request, command, data, file, etc. generated according to a program code stored in a recording device such as the memory 910 by the processor 920 of the computer system 900 is transferred to a network ( 960) to other devices.
- signals, commands, data, files, etc. from other devices may be received into computer system 900 via communication interface 930 of computer system 900 via network 960 .
- Signals, commands, or data received through the communication interface 930 may be transferred to the processor 920 or the memory 910, and files may be stored as storage media that the computer system 900 may further include (described above). permanent storage).
- the communication method is not limited, and may include not only a communication method utilizing a communication network (eg, a mobile communication network, wired Internet, wireless Internet, and broadcasting network) that the network 960 may include, but also short-distance wired/wireless communication between devices.
- a communication network eg, a mobile communication network, wired Internet, wireless Internet, and broadcasting network
- the network 960 may include, but also short-distance wired/wireless communication between devices.
- the network 960 may include a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), and a broadband network (BBN). , one or more arbitrary networks such as the Internet.
- PAN personal area network
- LAN local area network
- CAN campus area network
- MAN metropolitan area network
- WAN wide area network
- BBN broadband network
- the network 960 may include any one or more of network topologies including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, and the like. Not limited.
- the input/output interface 940 may be a means for interface with the input/output device 950 .
- the input device may include devices such as a microphone, keyboard, camera, or mouse, and the output device may include devices such as a display and a speaker.
- the input/output interface 940 may be a means for interface with a device in which functions for input and output are integrated into one, such as a touch screen.
- the input/output device 950 may be configured as one device with the computer system 900 .
- computer system 900 may include fewer or more components than those of FIG. 9 . However, there is no need to clearly show most of the prior art components.
- the computer system 900 may be implemented to include at least some of the aforementioned input/output devices 950 or may further include other components such as transceivers and various databases.
- devices and components described in the embodiments include a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), and a programmable PLU (programmable logic unit). logic unit), microprocessor, or any other device capable of executing and responding to instructions.
- the processing device may run an operating system (OS) and one or more software applications running on the operating system.
- a processing device may also access, store, manipulate, process, and generate data in response to execution of software.
- the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it can include.
- a processing device may include a plurality of processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.
- Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. You can command the device.
- the software and/or data may be embodied in any tangible machine, component, physical device, computer storage medium or device to be interpreted by or to provide instructions or data to a processing device. there is.
- Software may be distributed on networked computer systems and stored or executed in a distributed manner.
- Software and data may be stored on one or more computer readable media.
- the method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium.
- the medium may continuously store a program executable by a computer or temporarily store the program for execution or download.
- the medium may be various recording means or storage means in the form of a single or combined hardware, but is not limited to a medium directly connected to a certain computer system, and may be distributed on a network. Examples of the medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROM and DVD, magneto-optical media such as floptical disks, and ROM, RAM, flash memory, etc. configured to store program instructions.
- examples of other media include recording media or storage media managed by an app store that distributes applications, a site that supplies or distributes various other software, and a server.
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Abstract
A method and a system for predicting a commercial store premium, arranging a transaction and managing the right of pledge are disclosed. The method for transacting a premium comprises the steps of: predicting a premium for a commercial store on the basis of information related to the commercial store; and providing the premium as a sales reference price for a transaction of the commercial store.
Description
아래의 설명은 상가 권리금을 예측하여 거래를 주선하는 기술에 관한 것이다.The description below relates to a technology for arranging a transaction by predicting a commercial property right amount.
권리금이란 상가 임대차 시 임대차 목적물 자체의 가치만이 아니라 주변시세, 경제적 이점 등을 고려하여 반환 이 되지 않는 일정액을 추가로 지급하는 금액을 의미하는 것이다.Key money refers to an additional non-refundable amount that is paid in consideration of not only the value of the object itself but also the surrounding market price and economic advantages when leasing a commercial building.
이러한 권리금은 거래 관행에 의해 지급된 것으로 이에 대해 법적인 보호는 전혀 이루어지고 있지 않으며, 상가 자체의 실질적인 가치와는 상관없이 책정되는 경우가 많으며, 일정한 기준이 없으므로 대부분의 상가 임차인들은 불안정한 거래를 할 수밖에 없다.These premiums are paid according to transaction practices, and there is no legal protection against them, and in many cases, they are set regardless of the actual value of the shopping mall itself. does not exist.
이에 따라, 올바른 가치에 의해 정당하게 지불된 권리금은 보호할 가치가 있는 것이므로, 이에 대해 올바른 평가를 하는 것은 임차인의 소중한 재산을 보호하는 측면에서도 매우 중요한 일이라 할 수 있다.Accordingly, rightly paid rights due to the right value are worth protecting, so making a correct evaluation on it is very important in terms of protecting the valuable property of the lessee.
상가 권리금을 평가하는 기술의 일례로, 한국 공개특허공보 제10-2002-0007942호(공개일 2002년 01월 29일)에는 인터넷 상에서 데이터베이스 검색을 통해 상가 권리금을 평가하는 기술이 개시되어 있다.As an example of a technology for evaluating commercial property rights, Korean Patent Publication No. 10-2002-0007942 (published on January 29, 2002) discloses a technology for evaluating commercial property rights through a database search on the Internet.
임대 보증금과 같이 공적 영역에서 가치가 보장되는 시스템을 권리금 시장에 도입할 수 있다.A system that guarantees value in the public domain, such as rental deposits, can be introduced into the premium market.
상가 권리금의 산정 기준을 표준화 및 계량화하여 그 가치 변동을 예측할 수 있다.It is possible to predict the value change by standardizing and quantifying the calculation standard of the commercial property rights.
권리금 거래 내역을 비가역적인 수단으로 기록하여 한 상가에 대한 권리금 변경 추이를 제공할 수 있다.It is possible to provide the trend of changes in the key money for a shopping mall by recording the details of the key money transaction in an irreversible way.
상가 권리금 거래의 편의성과 투명성을 위한 범용적인 플랫폼을 제공할 수 있다.It can provide a universal platform for the convenience and transparency of commercial property rights trading.
컴퓨터 시스템에서 수행되는 권리금 거래 방법에 있어서, 상기 컴퓨터 시스템이 포함하는 적어도 하나의 프로세서의 의해, 상가와 관련된 정보를 기반으로 상기 상가의 권리금을 예측하는 단계; 및 상기 적어도 하나의 프로세서의 의해, 상기 권리금을 상기 상가의 거래를 위한 매매 기준가로 제공하는 단계를 포함하는 권리금 거래 방법을 제공한다.A method for trading premiums performed in a computer system, comprising the steps of: predicting the premiums of a shop based on information related to the shop by at least one processor included in the computer system; and providing, by the at least one processor, the premium as a trading reference price for the transaction of the shopping mall.
일 측면에 따르면, 상기 예측하는 단계는, 상기 상가의 위치와 면적 및 임대 보증금을 포함하는 상가 기본 정보, 및 상권 지표 변화와 매출 정보 추이를 포함하는 상가 유동 정보를 이용한 기계학습 모델을 통해 상기 상가의 권리금을 예측할 수 있다.According to one aspect, the predicting may include the mall through a machine learning model using basic mall information including the location and area of the mall and rental deposit, and mall flow information including changes in commercial district indicators and sales information trends. of can be predicted.
다른 측면에 따르면, 상기 권리금 거래 방법은, 상기 적어도 하나의 프로세서의 의해, 상기 상가의 권리금 예측 및 거래를 위해 필요한 정보를 블록체인 기반의 거래 원장에 기록하는 단계를 더 포함할 수 있다.According to another aspect, the claim transaction method may further include, by the at least one processor, recording information necessary for predicting and trading the premium of the shopping mall in a blockchain-based transaction ledger.
또 다른 측면에 따르면, 상기 예측하는 단계는, 상권별 자료를 이용하여 인공지능(AI) 기반의 기계학습 모델을 학습하는 단계; 상기 기계학습 모델에 대해 시간 경과에 따른 상권 요소 변경 내역을 반영하여 주기적으로 상기 권리금을 예측하는 단계; 및 주기적인 권리금 예측 내역을 블록체인 기반의 거래 원장에 기록하는 단계를 포함할 수 있다.According to another aspect, the predicting step may include learning an artificial intelligence (AI)-based machine learning model using data for each commercial district; Periodically predicting the premium by reflecting changes in commercial district elements over time with respect to the machine learning model; And it may include the step of recording periodic premium prediction details in a blockchain-based transaction ledger.
또 다른 측면에 따르면, 상기 예측하는 단계는, 상기 거래 원장에 기록된 정보를 바탕으로 신규로 등록된 권리금에 대해 이상치(anomaly)를 검증하는 단계를 더 포함할 수 있다.According to another aspect, the predicting may further include verifying an anomaly for a newly registered premium based on information recorded in the transaction ledger.
또 다른 측면에 따르면, 상기 권리금 거래 방법은, 상기 적어도 하나의 프로세서의 의해, 블록체인 스마트 계약을 기반으로 상기 권리금을 담보로 하는 대출 거래를 제공하는 단계를 더 포함할 수 있다.According to another aspect, the method of trading the premium may further include providing, by the at least one processor, a loan transaction with the premium as collateral based on a blockchain smart contract.
또 다른 측면에 따르면, 상기 대출 거래를 제공하는 단계는, 블록체인 기반의 거래 원장에 기록된 주기적인 권리금 예측 내역을 이용하여 대출 가능 금액을 산정하는 단계; 및 투자자에 의한 투자금이 상기 대출 가능 금액에 도달하면 상기 권리금에 대한 질권을 설정하여 상기 대출 가능 금액에 대한 대출을 실행하는 단계를 포함할 수 있다.According to another aspect, the providing of the loan transaction may include calculating a possible loan amount using periodic deposit prediction details recorded in a blockchain-based transaction ledger; and executing a loan for the loanable amount by setting a pledge on the premium when the investment by the investor reaches the loanable amount.
본 발명의 실시예들에 따르면, 표준화 및 계량화된 기준을 통해 상가 권리금을 예측하고 상가 권리금의 거래 내역 또한 투명하게 기록하는 플랫폼을 통해 불필요한 사회적 비용을 감소시키고 소상공인의 창업 여건을 우호적으로 개선할 수 있다.According to the embodiments of the present invention, through a platform that predicts commercial property rights through standardized and quantified criteria and transparently records transaction details of commercial property rights, unnecessary social costs can be reduced and start-up conditions for small business owners can be favorably improved. there is.
본 발명의 실시예들에 따르면, 소상공인의 진출입이 자유로운 자영업자 시장을 주선함과 동시에 권리금 매매 시장의 유동성을 제고할 수 있으며, 더 나아가 권리금을 담보로 자금을 융통할 수 있는 대출 시장을 제공할 수 있다.According to the embodiments of the present invention, it is possible to arrange a self-employed market where small business owners are free to enter and exit, and at the same time to improve the liquidity of the rights trading market, and furthermore, to provide a loan market in which funds can be financed using the rights as collateral. there is.
도 1 내지 도 2는 본 발명의 일실시예에 있어서 권리금 예측 모델을 구현하는 과정을 설명하기 위한 예시 도면이다.1 and 2 are exemplary diagrams for explaining a process of implementing a premium prediction model in one embodiment of the present invention.
도 3 내지 도 4는 본 발명의 일실시예에 있어서 권리금을 이용한 대출 거래 과정을 설명하기 위한 예시 도면이다.3 to 4 are exemplary diagrams for explaining a loan transaction process using key money in one embodiment of the present invention.
도 5는 본 발명의 일실시예에 있어서 권리금 예측을 위한 결정변수 업데이트 자동화 과정을 설명하기 위한 예시 도면이다.5 is an exemplary diagram for explaining an automated process of updating decision variables for prediction of premiums in one embodiment of the present invention.
도 6은 본 발명의 일실시예에 있어서 권리금 예측 및 거래를 위한 세부 절차를 도시한 흐름도이다.6 is a flowchart illustrating detailed procedures for predicting and trading premiums in one embodiment of the present invention.
도 7은 본 발명의 일실시예에 있어서 대출 거래를 위한 세부 절차를 도시한 흐름도이다.7 is a flowchart illustrating a detailed procedure for a loan transaction according to an embodiment of the present invention.
도 8은 본 발명의 일실시예에 있어서 권리금 거래 플랫폼과 연동 가능한 서비스 화면의 예시를 도시한 것이다.8 illustrates an example of a service screen that can be linked with a premium trading platform in one embodiment of the present invention.
도 9는 본 발명의 일실시예에 따른 컴퓨터 시스템의 예를 도시한 블록도이다.9 is a block diagram illustrating an example of a computer system according to one embodiment of the present invention.
이하, 본 발명의 실시예를 첨부된 도면을 참조하여 상세하게 설명한다.Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
본 발명의 실시예들은 상가 권리금의 예측과 거래 주선 및 질권 관리를 지원하는 기술에 관한 것이다.Embodiments of the present invention relate to technologies for supporting the prediction of commercial property rights, transaction arrangements, and pledge management.
본 명세서에서 구체적으로 개시되는 것들을 포함하는 실시예들은 상가 권리금과 관련하여 공적 영역에서 편의성과 투명성을 위한 범용적인 플랫폼을 제공할 수 있다.Embodiments including those specifically disclosed herein may provide a universal platform for convenience and transparency in the public domain in relation to commercial property rights.
권리금 계약은 영업시설, 비품, 거래처, 신용, 영업상의 노하우, 상가건물의 위치에 따른 영업상의 이점 등을 일체로 또는 개별적으로 양도하거나 이용하도록 하고 그에 대한 대가를 지급하는 계약을 의미한다.A premium contract refers to a contract in which business facilities, fixtures, customers, credit, business know-how, business advantages according to the location of a commercial building are transferred or used in whole or individually, and the price is paid for them.
이러한 권리금은 원칙적인 원가법에 의해 산정되는 유형적 요소의 권리금과, 수익환원법, 거래사례비교법 중 총수익승수법에 의해 산정되는 무형적 요소의 권리금으로 구성된다.These premiums are composed of the premiums of tangible elements calculated by the cost method in principle, and the premiums of intangible elements calculated by the total return multiplier method among the revenue reduction method and the transaction case comparison method.
권리금은 설비 투자에 대한 보상을 의미하는 시설 권리금, 임차권양도의 대가인 임차권 가치로서 토지보상법상 소유권 외의 보상 규정에 근거하는 보상을 의미하는 지역 권리금, 점포임차권과 함께 일체로 양도되는 영업권 대가를 의미하는 영업 권리금 등을 포함할 수 있다. 감정평가 이론 상 임차권의 가치와 영업권의 가치로 개념상 분리평가가 가능하고 현실적으로는 점포의 총 예상초과영업이익의 현재가치합계로 시설권리금을 제외한 권리금의 가치 평가가 가능하다.Premiums refer to facility premiums, meaning compensation for facility investment, leasehold value, which is the price for transferring lease rights, and area premiums, meaning compensation based on compensation provisions other than ownership under the Land Compensation Act, and goodwill considerations transferred together with store lease rights. It may include business rights to do so. In appraisal theory, it is conceptually possible to separately evaluate the value of leasehold rights and the value of goodwill, and in reality, it is possible to evaluate the value of premiums excluding the rights to facilities based on the sum of the present value of the total excess expected operating profit of the store.
상가 권리금에 대하여 입점층, 면적, 건물총층수, 월매출액, 시설비용, 영업기간 등으로 회귀분석을 진행한 후 월매출에 대표성을 부여하여 상가 권리금을 산출하는 연구가 진행되고 있다.A study is being conducted to calculate the premium for a commercial building by assigning representativeness to the monthly sales after conducting a regression analysis on the number of occupied floors, area, total number of floors in the building, monthly sales, facility cost, and business period.
권리금 계약은 임대차 계약과 달리 공증된 플랫폼이 존재하지 않음으로 인해 거래의 불투명성과 비효율적 시장이 조성되고 있다.Unlike lease contracts, premium contracts do not have a notarized platform, creating opaque transactions and inefficient markets.
본 실시예들은 상가 권리금에 대한 범용적인 플랫폼(이하, '권리금 거래 플랫폼'이라 칭함)으로서 권리금 매매 내역을 유지하는 등기소 역할과 권리금의 변동을 예측하고 매매를 주선하는 거래소 역할을 수행하는 플랫폼을 제공할 수 있다. 더 나아가, 본 실시예들은 권리금에 대한 질권 관리 역할을 수행하는 플랫폼으로서 권리금을 담보로 하는 대출 거래 플랫폼을 제공할 수 있다.These embodiments are a general-purpose platform for commercial property rights (hereinafter referred to as 'price trading platform'), which serves as a registry office that maintains the history of rights trading and predicts fluctuations in rights and provides a platform that plays the role of an exchange that arranges trading can do. Furthermore, the present embodiments may provide a loan trading platform that secures the rights as a platform that serves as a pledge management role for the rights.
본 발명에 따른 권리금 거래 플랫폼은 상가 권리금 중 무형적 요소로 이루어진 권리금을 예측하기 위한 모델을 포함할 수 있다.The premium trading platform according to the present invention may include a model for predicting premiums made of intangible elements among commercial premiums.
도 1 내지 도 2는 본 발명의 일실시예에 있어서 권리금 예측 모델을 구현하는 과정을 설명하기 위한 예시 도면이다.1 and 2 are exemplary diagrams for explaining a process of implementing a premium prediction model in one embodiment of the present invention.
도 1을 참조하면, 상권별 권리금 내역(10)을 토대로 복수 개의 기계학습 모델(100)에 대한 지도학습을 진행할 수 있다. 이때, 기계학습 모델(100)은 Decision Tree, Random Forest, SVM(Support Vector Machine), Linear Regression, ANN(Artificial Neural Network), DNN(Deep Neural Network), CNN(Convolution Neural Network) 등 회귀분석, 기계학습, 딥러닝의 알고리즘에 기반한 모델을 활용할 수 있다. 다시 말해, 기존 권리금 계약 내역(10)에 대한 상권별 자료를 이용하여 인공지능(AI) 기반의 기계학습 모델(100)을 학습할 수 있다. 상권별 예측 모델 및 파라미터 탐색 등에 기반한 모델 별 적합성 검증을 통해 복수 개의 기계학습 모델(100) 중에서 권리금 예측을 위한 최적 모델을 선정할 수 있다.Referring to FIG. 1 , it is possible to conduct supervised learning on a plurality of machine learning models 100 based on the details of premiums 10 for each commercial district. At this time, the machine learning model 100 is a decision tree, random forest, SVM (Support Vector Machine), linear regression, ANN (Artificial Neural Network), DNN (Deep Neural Network), CNN (Convolution Neural Network), regression analysis, machine You can use models based on algorithms of learning and deep learning. In other words, the artificial intelligence (AI)-based machine learning model 100 can be learned using data for each commercial district on the existing premium contract details 10. It is possible to select an optimal model for prediction of premiums from among a plurality of machine learning models 100 through the suitability verification for each model based on the prediction model and parameter search for each commercial district.
도 2를 참조하면, 복수 개의 기계학습 모델(100) 중에서 선정된 권리금 예측 모델(210)에 대해 시간 경과에 따른 상권 요소 변경 내역을 반영하여 주기적으로 권리금을 예측할 수 있다. 권리금 예측 모델(210)에 권리금과 관련된 결정 변수들의 변화를 반영함으로써 모델 업데이트를 실시할 수 있고, 또한 블록체인 기반 거래 원장에 기록된 정보를 바탕으로 플랫폼 상에 신규로 등록된 권리금 거래에 대해 이상치(anomaly)를 검증할 수 있다.Referring to FIG. 2 , it is possible to periodically predict the premium by reflecting the details of changes in commercial rights elements over time with respect to the premium prediction model 210 selected from among the plurality of machine learning models 100 . The model can be updated by reflecting changes in decision variables related to the premium to the premium prediction model 210, and also, based on the information recorded in the blockchain-based transaction ledger, an outlier for a premium transaction newly registered on the platform. (anomaly) can be verified.
본 발명에 따른 권리금 거래 플랫폼은 상가 권리금 거래 내역을 투명하게 기록할 수 있는 블록체인 기반 거래원장 시스템을 포함할 수 있다.The rights trading platform according to the present invention may include a blockchain-based transaction ledger system capable of transparently recording the details of the rights and interests of the shopping mall.
본 실시예에서는 누구나 조회 가능하고 거래 기록이 훼손되지 않는 거래 원장으로 블록체인 스마트 계약 기술을 도입할 수 있다. 임대차 계약에 명시된 상가 위치, 규모, 임대 조건 등 물건 정보와 권리금, 카드매출 추이 및 상권 요소 변화에 따른 권리금 예측 가액 등을 블록체인 기반 거래원장 시스템에 기록할 수 있다. 이때, 상가 권리금 거래 내역을 기록하기 위한 거래 원장으로 블록체인 기반의 거래 기록 시스템을 활용할 수 있다.In this embodiment, blockchain smart contract technology can be introduced as a transaction ledger that anyone can inquire and transaction records are not damaged. Property information, such as the location, size, and rental conditions of the shopping mall specified in the lease contract, and the predicted value of the premium according to the trend of card sales and changes in commercial district elements, etc. can be recorded in the blockchain-based transaction ledger system. At this time, a blockchain-based transaction recording system can be used as a transaction ledger for recording the details of the commercial property rights transaction.
본 발명에 따른 권리금 거래 플랫폼은 권리금 매물 등록 및 거래 체결 시스템을 포함할 수 있다.The rights trading platform according to the present invention may include a rights sale registration and transaction conclusion system.
본 실시예에서는 권리금 보유인의 영업 양도 의사에 따른 권리금 매물 등록 기능, 양도인/양수인의 전자 서명에 의한 권리 이전과 에스크로(escrow)를 통한 매매 대금(권리금) 지급 기능 등을 제공할 수 있다.In this embodiment, it is possible to provide a function of registering the rights for sale according to the owner of the rights holder's intention to transfer the business, a transfer of rights by the electronic signature of the transferor/transferee, and a function of paying the sales price (price) through escrow.
본 발명에 따른 권리금 거래 플랫폼은 상가 권리금을 담보로 하는 대출 거래 시스템을 포함할 수 있다.The rights trading platform according to the present invention may include a loan transaction system that secures commercial rights.
도 3 내지 도 4는 본 발명의 일실시예에 있어서 권리금을 이용한 대출 거래 과정을 설명하기 위한 예시 도면이다.3 to 4 are exemplary diagrams for explaining a loan transaction process using key money in one embodiment of the present invention.
도 3을 참조하면, 권리금 거래 플랫폼은 권리금 소유주(301)가 상가 권리금을 담보로 하는 대출을 신청하는 경우(S31) 상가 권리금을 담보로 대출 가능 금액과 대출 조건(예를 들어, 이자율, 원리금 상환 날짜 등)을 산정할 수 있다(S32). 권리금 거래 플랫폼은 권리금 소유주(301)가 신청한 대출 상품을 공개하여 투자자(302)을 모집한 후(S33) 투자자(302)로부터 투자금을 납입받을 수 있다(S34). 이때, 투자금 납입은 에스크로 시스템을 활용할 수 있다. 권리금 거래 플랫폼은 투자자(302)의 투자금으로 대출 가능 금액이 달성되면 권리금 소유주(301)의 상가 권리금에 대한 질권을 설정한 후(S35) 대출금을 권리금 소유주(301)에게 지급할 수 있다(S36).Referring to FIG. 3, when the title owner 301 applies for a loan secured by the shopping mall title (S31), the title trading platform provides a loanable amount and loan conditions (eg, interest rate, principal and interest repayment) date, etc.) can be calculated (S32). After the rights trading platform discloses the loan product requested by the rights owner 301 to recruit investors 302 (S33), the investment money can be received from the investor 302 (S34). At this time, the payment of the investment can utilize the escrow system. When the loanable amount is achieved with the investment of the investor 302, the rights trading platform sets a pledge for the rights to the commercial property of the rights owner 301 (S35), and then pays the loan to the rights owner 301 (S36). .
따라서, 권리금 거래 플랫폼은 블록체인 스마트 계약(300)을 기반으로 상가 권리금에 대해 질권을 설정하고 대출 가능 금액과 대출 조건을 산정함으로써 대출을 실행할 수 있다.Therefore, the deposit trading platform can execute a loan by setting a pledge for the deposit of a commercial building based on the blockchain smart contract 300 and calculating the loanable amount and loan conditions.
도 4를 참조하면, 권리금 거래 플랫폼은 권리금 소유주(301)가 대출 조건에 따라 원리금을 상환 완료하는 경우(S41) 블록체인 스마트 계약(300)을 기반으로 투자자(302)에게 원리금 상환 일정에 따른 투자금을 상환한 후(S42) 권리금 소유주(301)의 상가 권리금에 대해 투자자(302) 앞으로 설정된 질권을 해지할 수 있다(S43).Referring to FIG. 4, when the rights holder 301 completes repayment of the principal and interest according to the loan conditions (S41), the rights trading platform gives the investor 302 the investment money according to the principal and interest repayment schedule based on the blockchain smart contract 300. After repaying (S42), it is possible to cancel the pledge set in front of the investor 302 for the commercial property rights of the owner of the rights 301 (S43).
본 발명에 따른 권리금 거래 플랫폼은 권리금 예측 모델(210)로서 상가 권리금 예측을 위한 모델화를 포함할 수 있다. 예를 들어, 권리금 예측 모델화는 수학식 1과 같이 정의될 수 있다.The premium trading platform according to the present invention may include modeling for commercial property premium prediction as the premium prediction model 210 . For example, premium prediction modeling may be defined as in Equation 1.
[수학식 1][Equation 1]
여기서, 는 지도학습에 의해 탐색된 결정계수를 의미하고, 는 권리금 결정변수를 의미한다.here, denotes the coefficient of determination explored by supervised learning, denotes the determinant of the premium.
본 발명에 따른 권리금 거래 플랫폼은 권리금 결정변수()에 대한 업데이트를 자동화할 수 있다.The premium trading platform according to the present invention is a premium decision variable ( ) can be automated.
도 5는 본 발명의 일실시예에 있어서 권리금 예측을 위한 결정변수 업데이트 자동화 과정을 설명하기 위한 예시 도면이다.5 is an exemplary diagram for explaining an automated process of updating decision variables for prediction of premiums in one embodiment of the present invention.
도 5를 참조하면, 권리금 거래 플랫폼은 플랫폼에 등록된 상가 기본 정보(510)와 함께, 플랫폼과 연동 가능한 외부 시스템으로부터 획득한 상권 유동 정보(520)를 이용하여 권리금 예측을 위한 결정변수()를 주기적으로 업데이트할 수 있다. 이때, 상가 기본 정보(510)는 위치, 면적, 임대 보증금 등을 포함할 수 있고, 상권 유동 정보(520)는 상권 정보를 나타내는 상권 지표 변화, 카드 매출 등의 매출 정보 추이 등을 포함할 수 있다. 예를 들어, 상권 정보는 소상공인시장진흥공단 API를 통해 획득할 수 있고, 매출 정보는 포스(POS) 시스템의 카드매출 스크랩핑(scrapping)을 통해 획득할 수 있다.Referring to FIG. 5, the premium trading platform uses the commercial property flow information 520 obtained from an external system that can be linked with the platform together with the basic information 510 of the commercial property registered in the platform to determine the decision variable for predicting the premium ( ) can be updated periodically. At this time, the shopping mall basic information 510 may include location, area, rental deposit, etc., and the commercial district flow information 520 may include changes in commercial district indicators representing commercial district information, trends in sales information such as card sales, etc. . For example, commercial area information can be obtained through the Small Enterprise Market Promotion Agency API, and sales information can be obtained through card sales scrapping of a POS system.
본 발명에 따른 권리금 거래 플랫폼은 권리금 예측 및 거래를 위한 플랫폼 구성으로 권리금 조회/거래 요청을 위한 인터페이스, 권리금 예측 및 거래에 필요한 정보가 기록된 블록체인 기반의 거래 원장, 권리금 예측 업데이트를 위한 인터페이스, 권리금 검증을 위한 권리금 예측 모델, 상권 유동 정보 기반으로 주기적인 환경변수 업데이트를 위한 인터페이스 등을 포함할 수 있고, 대출 거래를 위한 플랫폼 구성으로 대출 신청/대출 실행/대출 상환을 위한 인터페이스, 대출 거래(권리금 소유권 및 담보 가액 확인, 권리금 질권 설정 및 해지)에 필요한 정보가 기록된 블록체인 기반의 거래 원장, 대출 상품 오픈/투자금 납입/원리금 지급을 위한 인터페이스 등을 포함할 수 있다.The rights trading platform according to the present invention is a platform configuration for the prediction and trading of rights, an interface for inquiry/transaction request of rights, a blockchain-based transaction ledger in which information necessary for prediction and trading of rights is recorded, an interface for updating rights prediction, It can include a premium prediction model for verifying premiums, an interface for periodic environmental variable updates based on commercial flow information, and an interface for loan application/loan execution/loan repayment as a platform configuration for loan transactions, loan transactions ( It may include a blockchain-based transaction ledger recording information necessary for ownership of rights and collateral value, establishment and cancellation of rights pledge, and an interface for opening loan products/payment of investment/payment of principal and interest.
도 6은 본 발명의 일실시예에 있어서 권리금 예측 및 거래를 위한 세부 절차를 도시한 흐름도이다.6 is a flowchart illustrating detailed procedures for predicting and trading premiums in one embodiment of the present invention.
도 6을 참조하면, 단계(S601)에서 권리금 거래 플랫폼은 권리금 소유주와 매수희망인의 권리금 거래 계약을 중개할 수 있다. 권리금 거래 계약이 서면 계약으로 이루어진 경우 계약서 스캔 이미지를 2단계 블록체인에 첨부함으로써 블록체인 기반의 거래 원장에 기록할 수 있다. 권리금 거래 플랫폼이 제공하는 권리금 매매 시스템을 통해 계약한 경우 각 계약 당사자의 전자 서명(예를 들어, 공동인증서 등)으로 증빙할 수 있다. 권리금 거래 계약을 위한 세부 항목으로는 매매 권리금액, 상가 임대차계약 항목(예를 들어, 위치 정보, 면적, 임차 보증금 등 임차료 정보, 계약 기간 등), 설비 정보(예를 들어, 투자액, 평가액 등), 매도자/매수자 업종, 매도자/매수자 상호 등을 포함할 수 있다.Referring to FIG. 6 , in step S601, the key money trading platform may mediate a key money transaction contract between the owner of the key money and the buyer. If the rights transaction contract is made as a written contract, it can be recorded in the blockchain-based transaction ledger by attaching the scanned image of the contract to the 2nd stage blockchain. In the case of a contract through the rights trading system provided by the rights trading platform, it can be evidenced by the electronic signature of each contracting party (for example, a joint certificate, etc.). The detailed items for the right money transaction contract include the amount of trading rights, items of the commercial rental contract (eg location information, area, rental fee information such as rental deposit, contract period, etc.), facility information (eg investment amount, appraised value, etc.) , seller/buyer type of business, seller/buyer name, etc.
단계(S602)에서 권리금 거래 플랫폼은 블록체인 기반의 거래 원장에 거래 내역을 기록할 수 있다. 단계(S601)에서 수집된 권리금 계약의 세부항목과 계약 당사자 간의 유효한 계약 사항(서면 계약서, 인감증명서 또는 전자서명 등)을 포함하는 거래 블록을 생성할 수 있다.In step S602, the rights trading platform may record transaction details in a blockchain-based transaction ledger. A transaction block including detailed items of the premium contract collected in step S601 and valid contract matters between contracting parties (a written contract, a certificate of seal impression, or an electronic signature, etc.) may be generated.
단계(S603)에서 권리금 거래 플랫폼은 권리금 거래 계약 체결 당시의 상권 유동 정보를 블록체인 기반의 거래 원장에 병기할 수 있다. 상권 유동 정보는 포스 시스템의 카드매출 스크랩핑을 통해 획득 가능한 매도자의 기존 매출 정보, 소상공인시장진흥공단 API를 통해 획득 가능한 상권 정보 등을 포함할 수 있다.In step S603, the rights trading platform may write the commercial rights flow information at the time of signing the rights trading contract in the blockchain-based transaction ledger. The commercial area flow information may include seller's existing sales information obtainable through card sales scrapping of the POS system, commercial area information obtainable through the Small Enterprise Market Promotion Agency API, and the like.
단계(S604)에서 권리금 거래 플랫폼은 권리금 결정 요소들을 바탕으로 해당 지역의 매개변수를 검증할 수 있다. 일례로, 권리금 거래 플랫폼은 예측 정확도가 높은 것으로 판별된 최적 모델을 활용하여 신규 등록된 권리금의 적정 여부를 판별할 수 있다.In step S604, the rights trading platform can verify the parameters of the corresponding region based on the key money determining factors. For example, a premium trading platform can determine whether a newly registered premium is appropriate by using an optimal model determined to have high prediction accuracy.
단계(S605)에서 권리금 거래 플랫폼은 플랫폼에 등록된 권리금의 이상치 여부로서 단계(S604)에서의 검증 결과를 블록체인 기반의 거래 원장에 기록할 수 있다. 권리금 거래 플랫폼은 신규 등록된 권리금의 적정 여부에 따라 '검증' 또는 '미검증' 태그를 추가할 수 있다.In step S605, the rights trading platform may record the verification result in step S604 in the blockchain-based transaction ledger as whether or not the rights registered in the platform are abnormal. The rights trading platform can add 'verified' or 'unverified' tags depending on whether the newly registered rights are appropriate.
단계(S606)에서 권리금 거래 플랫폼은 권리금 결정 요소들의 변화를 토대로 지도학습 기반의 권리금 변동을 예측할 수 있다. 권리금 거래 플랫폼은 사전에 정해진 주기로(예를 들어, 월 단위로) 상권 유동 정보의 변화분을 반영하여 각 상가별 권리금 변동가액을 산정할 수 있다.In step S606, the premium trading platform can predict changes in premium based on supervised learning based on changes in determining factors for premium. The premium trading platform can calculate the change in premium for each shopping center by reflecting changes in the flow information of the commercial district at a predetermined period (eg, monthly).
단계(S607)에서 권리금 거래 플랫폼은 상가 각각에 대해 권리금 예측 내역과 해당 상가를 기준으로 일정 반경 이내에 위치하는 적어도 하나의 주변 상가의 권리금 예측 내역을 노출할 수 있다. 권리금 거래 플랫폼은 주기적인 권리금 예측 내역을 블록체인 기반의 거래 원장에 기록할 수 있으며, 상가 별로 혹은 상권 별로 권리금 자료를 공시하고 이를 매매 기준가로 제시할 수 있다. 권리금 거래 플랫폼은 권리금 소유주의 매도 의사가 있는 경우 해당 상가에 대해 매매 가능 상태로 전환하여 매수호가 접수 및 매매 체결을 주선할 수 있다.In step S607, the premium trading platform may expose premium prediction details for each shopping mall and premium prediction details of at least one nearby shopping mall located within a certain radius based on the corresponding merchant house. The rights trading platform can record the periodic rights prediction details in the blockchain-based transaction ledger, and can disclose the rights data by shopping district or by commercial district and present it as the standard trading price. If the owner of the rights holder has an intention to sell, the rights trading platform can convert the property to a trading state, receive bids, and arrange trades.
도 7은 본 발명의 일실시예에 있어서 대출 거래를 위한 세부 절차를 도시한 흐름도이다.7 is a flowchart illustrating a detailed procedure for a loan transaction according to an embodiment of the present invention.
단계(S701)에서 권리금 거래 플랫폼은 상가 권리금에 대한 권한을 가진 권리금 소유자로부터 대출 신청을 수신할 수 있다.In step S701, the premium trading platform may receive a loan application from a premium owner having authority over commercial property premiums.
단계(S702)에서 권리금 거래 플랫폼은 블록체인 기반의 거래 원장에서 대출 신청한 권리금 소유자를 확인할 수 있다. 다시 말해, 권리금 거래 플랫폼은 거래 원장을 통해 적법한 소유권 여부를 확인할 수 있다.In step S702, the rights trading platform can confirm the rights owner who has applied for a loan in the blockchain-based transaction ledger. In other words, the rights trading platform can check the legal ownership through the transaction ledger.
단계(S703)에서 권리금 거래 플랫폼은 권리금 예측가를 통한 담보 가액을 산정할 수 있다. 권리금 거래 플랫폼은 블록체인 기반의 거래 원장에 기록된 주기적인 권리금 예측 내역을 이용한 룰 기반으로 대출 가능 금액을 산정할 수 있다.In step S703, the rights trading platform may calculate the value of collateral through the predicted price of rights. The premium trading platform can calculate the loanable amount based on rules using periodic premium predictions recorded in the blockchain-based transaction ledger.
단계(S704)에서 권리금 거래 플랫폼은 투자자를 대상으로 권리금 소유자가 신청한 대출 상품을 노출할 수 있다. 권리금 거래 플랫폼은 플랫폼 상의 대출 섹션을 통해 대출 상품을 노출할 수 있다.In step S704, the rights trading platform may expose the loan products requested by the rights owner to investors. The deposit trading platform can expose loan products through the loan section on the platform.
단계(S705)에서 권리금 거래 플랫폼은 권리금에 대한 질권을 설정하고 투자금 에스크로 및 대출 실행을 진행할 수 있다. 권리금 거래 플랫폼은 투자금이 대출 가능 금액에 도달하면 대출을 실행하면서 권리금 질권 설정을 블록체인 기반의 거래 원장에 기록할 수 있다.In step S705, the key money trading platform may establish a pledge for the key money and proceed with escrowing the investment money and executing loans. When the investment amount reaches the loanable amount, the rights trading platform executes the loan and can record the rights to pledge rights in the blockchain-based transaction ledger.
단계(S706)에서 권리금 거래 플랫폼은 대출 원리금에 대한 에스크로 및 대출 상환을 진행할 수 있다. 권리금 거래 플랫폼은 차입자, 즉 대출을 받은 권리금 소유자의 원리금 상환액을 투자자에게 전달할 수 있다.In step S706, the rights trading platform may proceed with escrow and loan repayment for the principal and interest of the loan. The rights trading platform can deliver the amount of repayment of the principal and interest of the borrower, that is, the rights holder who received the loan, to the investor.
단계(S707)에서 권리금 거래 플랫폼은 권리금 소유자에 의해 대출 원리금이 완제되면 블록체인 기반의 거래 원장에 기록된 권리금 질권 설정을 해지할 수 있다.In step S707, when the principal and interest of the loan is completed by the owner of the rights, the rights transaction platform may cancel the rights to the rights recorded in the blockchain-based transaction ledger.
본 발명에 따른 권리금 거래 플랫폼은 API 방식 혹은 제휴 사이트(affiliate site) 형태로 상가 임대 정보를 제공하는 기존 플랫폼과 연동할 수 있다.The rights trading platform according to the present invention can be linked with an existing platform that provides commercial rental information in the form of an API method or an affiliate site.
예를 들어, 도 8을 참조하면, 상가 임대 정보를 제공하는 서비스 화면(800)은 상가 별로 권리금 정보(801)가 노출될 수 있다. 권리금 정보(801)에 상가 권리금에 대한 예측과 거래 주선 및 질권 관리를 위한 권리금 거래 플랫폼으로 이동 가능한 하이퍼링크가 삽입될 수 있다.For example, referring to FIG. 8 , in the service screen 800 providing shop rental information, premium information 801 for each shop may be exposed. A hyperlink movable to a premium trading platform for predicting commercial property premiums, arranging transactions, and managing pledge rights may be inserted into the premium information 801 .
본 실시예들은 상가 임대차 계약 시 발생할 수 있는 권리금 분쟁의 소지를 미연에 차단할 수 있고 투명한 거래 시스템을 구축하여 불확실성을 해소할 수 있다.The present embodiments can prevent disputes over rights that may occur in the case of a commercial lease agreement, and can eliminate uncertainty by establishing a transparent transaction system.
본 발명에 따른 권리금 거래 플랫폼은 블록체인 기반의 오픈 플랫폼으로 권리금 매수자가 능동적으로 데이터를 제공할 수 있으며 주기적인 제반 여건 반영으로 권리금 추이를 예측할 수 있다.The rights trading platform according to the present invention is a block chain-based open platform, and the rights buyer can actively provide data, and the trend of rights rights can be predicted by reflecting various conditions periodically.
본 발명에 따른 권리금 거래 플랫폼은 권리금 예측은 물론이고 플랫폼 상에 등록된 권리금의 적정성 여부를 판단할 수 있고 해당 상가에 대한 권리금 거래 주선을 지원할 수 있다.The premium trading platform according to the present invention can determine the appropriateness of the premium registered on the platform as well as predict the premium, and can support the brokerage of the premium transaction for the corresponding store.
더 나아가, 본 발명에 따른 권리금 거래 플랫폼은 권리금에 대한 질권 설정 및 대출 서비스를 제공함으로써 금융 거래에 방점을 둔 거래소 역할을 할 수 있다.Furthermore, the rights trading platform according to the present invention can serve as an exchange focusing on financial transactions by providing pledge setting and lending services for rights.
도 9는 본 발명의 일실시예에 따른 컴퓨터 시스템의 예를 도시한 블록도이다. 상술한 권리금 거래 플랫폼은 도 9와 같이 구성된 컴퓨터 시스템(900)에 의해 구현될 수 있다.9 is a block diagram illustrating an example of a computer system according to one embodiment of the present invention. The above-described premium trading platform may be implemented by the computer system 900 configured as shown in FIG. 9 .
도 9에 도시된 바와 같이, 컴퓨터 시스템(900)은 본 발명의 실시예들에 따른 권리금 거래 방법을 실행하기 위한 구성요소로서, 메모리(910), 프로세서(920), 통신 인터페이스(930) 그리고 입출력 인터페이스(940)를 포함할 수 있다.As shown in FIG. 9, a computer system 900 is a component for executing the rights trading method according to embodiments of the present invention, and includes a memory 910, a processor 920, a communication interface 930, and input/output. interface 940.
메모리(910)는 컴퓨터에서 판독 가능한 기록매체로서, RAM(random access memory), ROM(read only memory) 및 디스크 드라이브와 같은 비소멸성 대용량 기록장치(permanent mass storage device)를 포함할 수 있다. 여기서 ROM과 디스크 드라이브와 같은 비소멸성 대용량 기록장치는 메모리(910)와는 구분되는 별도의 영구 저장 장치로서 컴퓨터 시스템(900)에 포함될 수도 있다. 또한, 메모리(910)에는 운영체제와 적어도 하나의 프로그램 코드가 저장될 수 있다. 이러한 소프트웨어 구성요소들은 메모리(910)와는 별도의 컴퓨터에서 판독 가능한 기록매체로부터 메모리(910)로 로딩될 수 있다. 이러한 별도의 컴퓨터에서 판독 가능한 기록매체는 플로피 드라이브, 디스크, 테이프, DVD/CD-ROM 드라이브, 메모리 카드 등의 컴퓨터에서 판독 가능한 기록매체를 포함할 수 있다. 다른 실시예에서 소프트웨어 구성요소들은 컴퓨터에서 판독 가능한 기록매체가 아닌 통신 인터페이스(930)를 통해 메모리(910)에 로딩될 수도 있다. 예를 들어, 소프트웨어 구성요소들은 네트워크(960)를 통해 수신되는 파일들에 의해 설치되는 컴퓨터 프로그램에 기반하여 컴퓨터 시스템(900)의 메모리(910)에 로딩될 수 있다.The memory 910 is a computer-readable recording medium and may include a random access memory (RAM), a read only memory (ROM), and a permanent mass storage device such as a disk drive. Here, a non-perishable mass storage device such as a ROM and a disk drive may be included in the computer system 900 as a separate permanent storage device separate from the memory 910 . Also, an operating system and at least one program code may be stored in the memory 910 . These software components may be loaded into the memory 910 from a computer-readable recording medium separate from the memory 910 . The separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, and a memory card. In another embodiment, software components may be loaded into the memory 910 through a communication interface 930 rather than a computer-readable recording medium. For example, software components may be loaded into memory 910 of computer system 900 based on a computer program installed by files received over network 960 .
프로세서(920)는 기본적인 산술, 로직 및 입출력 연산을 수행함으로써, 컴퓨터 프로그램의 명령을 처리하도록 구성될 수 있다. 명령은 메모리(910) 또는 통신 인터페이스(930)에 의해 프로세서(920)로 제공될 수 있다. 예를 들어 프로세서(920)는 메모리(910)와 같은 기록 장치에 저장된 프로그램 코드에 따라 수신되는 명령을 실행하도록 구성될 수 있다.The processor 920 may be configured to process commands of a computer program by performing basic arithmetic, logic, and input/output operations. Instructions may be provided to processor 920 by memory 910 or communication interface 930 . For example, processor 920 may be configured to execute received instructions according to program codes stored in a recording device such as memory 910 .
통신 인터페이스(930)는 네트워크(960)를 통해 컴퓨터 시스템(900)이 다른 장치와 서로 통신하기 위한 기능을 제공할 수 있다. 일례로, 컴퓨터 시스템(900)의 프로세서(920)가 메모리(910)와 같은 기록 장치에 저장된 프로그램 코드에 따라 생성한 요청이나 명령, 데이터, 파일 등이 통신 인터페이스(930)의 제어에 따라 네트워크(960)를 통해 다른 장치들로 전달될 수 있다. 역으로, 다른 장치로부터의 신호나 명령, 데이터, 파일 등이 네트워크(960)를 거쳐 컴퓨터 시스템(900)의 통신 인터페이스(930)를 통해 컴퓨터 시스템(900)으로 수신될 수 있다. 통신 인터페이스(930)를 통해 수신된 신호나 명령, 데이터 등은 프로세서(920)나 메모리(910)로 전달될 수 있고, 파일 등은 컴퓨터 시스템(900)이 더 포함할 수 있는 저장 매체(상술한 영구 저장 장치)로 저장될 수 있다. Communication interface 930 may provide functionality for computer system 900 to communicate with other devices via network 960 . For example, a request, command, data, file, etc. generated according to a program code stored in a recording device such as the memory 910 by the processor 920 of the computer system 900 is transferred to a network ( 960) to other devices. Conversely, signals, commands, data, files, etc. from other devices may be received into computer system 900 via communication interface 930 of computer system 900 via network 960 . Signals, commands, or data received through the communication interface 930 may be transferred to the processor 920 or the memory 910, and files may be stored as storage media that the computer system 900 may further include (described above). permanent storage).
통신 방식은 제한되지 않으며, 네트워크(960)가 포함할 수 있는 통신망(일례로, 이동통신망, 유선 인터넷, 무선 인터넷, 방송망)을 활용하는 통신 방식뿐만 아니라 기기들 간의 근거리 유선/무선 통신 역시 포함될 수 있다. 예를 들어, 네트워크(960)는, PAN(personal area network), LAN(local area network), CAN(campus area network), MAN(metropolitan area network), WAN(wide area network), BBN(broadband network), 인터넷 등의 네트워크 중 하나 이상의 임의의 네트워크를 포함할 수 있다. 또한, 네트워크(960)는 버스 네트워크, 스타 네트워크, 링 네트워크, 메시 네트워크, 스타-버스 네트워크, 트리 또는 계층적(hierarchical) 네트워크 등을 포함하는 네트워크 토폴로지 중 임의의 하나 이상을 포함할 수 있으나, 이에 제한되지 않는다.The communication method is not limited, and may include not only a communication method utilizing a communication network (eg, a mobile communication network, wired Internet, wireless Internet, and broadcasting network) that the network 960 may include, but also short-distance wired/wireless communication between devices. there is. For example, the network 960 may include a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), and a broadband network (BBN). , one or more arbitrary networks such as the Internet. In addition, the network 960 may include any one or more of network topologies including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, and the like. Not limited.
입출력 인터페이스(940)는 입출력 장치(950)와의 인터페이스를 위한 수단일 수 있다. 예를 들어, 입력 장치는 마이크, 키보드, 카메라 또는 마우스 등의 장치를, 그리고 출력 장치는 디스플레이, 스피커와 같은 장치를 포함할 수 있다. 다른 예로 입출력 인터페이스(940)는 터치스크린과 같이 입력과 출력을 위한 기능이 하나로 통합된 장치와의 인터페이스를 위한 수단일 수도 있다. 입출력 장치(950)는 컴퓨터 시스템(900)과 하나의 장치로 구성될 수도 있다.The input/output interface 940 may be a means for interface with the input/output device 950 . For example, the input device may include devices such as a microphone, keyboard, camera, or mouse, and the output device may include devices such as a display and a speaker. As another example, the input/output interface 940 may be a means for interface with a device in which functions for input and output are integrated into one, such as a touch screen. The input/output device 950 may be configured as one device with the computer system 900 .
또한, 다른 실시예들에서 컴퓨터 시스템(900)은 도 9의 구성요소들보다 더 적은 혹은 더 많은 구성요소들을 포함할 수도 있다. 그러나, 대부분의 종래기술적 구성요소들을 명확하게 도시할 필요성은 없다. 예를 들어, 컴퓨터 시스템(900)은 상술한 입출력 장치(950) 중 적어도 일부를 포함하도록 구현되거나 또는 트랜시버(transceiver), 각종 데이터베이스 등과 같은 다른 구성요소들을 더 포함할 수도 있다.Also, in other embodiments, computer system 900 may include fewer or more components than those of FIG. 9 . However, there is no need to clearly show most of the prior art components. For example, the computer system 900 may be implemented to include at least some of the aforementioned input/output devices 950 or may further include other components such as transceivers and various databases.
이처럼 본 발명의 실시예들에 따르면, 표준화 및 계량화된 기준을 통해 상가 권리금을 예측하고 상가 권리금의 거래 내역 또한 투명하게 기록하는 플랫폼을 통해 불필요한 사회적 비용을 감소시키고 소상공인의 창업 여건을 우호적으로 개선할 수 있다. 본 발명의 실시예들에 따르면, 소상공인의 진출입이 자유로운 자영업자 시장을 주선함과 동시에 권리금 매매 시장의 유동성을 제고할 수 있으며, 더 나아가 권리금을 담보로 자금을 융통할 수 있는 대출 시장을 제공할 수 있다.As such, according to the embodiments of the present invention, through a platform that predicts commercial property rights through standardized and quantified standards and transparently records transaction details of commercial property rights, unnecessary social costs can be reduced and start-up conditions for small business owners can be improved in a friendly manner. can According to the embodiments of the present invention, it is possible to arrange a self-employed market where small business owners are free to enter and exit, and at the same time to improve the liquidity of the rights trading market, and furthermore, to provide a loan market in which funds can be financed using the rights as collateral. there is.
이상에서 설명된 장치는 하드웨어 구성요소, 소프트웨어 구성요소, 및/또는 하드웨어 구성요소 및 소프트웨어 구성요소의 조합으로 구현될 수 있다. 예를 들어, 실시예들에서 설명된 장치 및 구성요소는, 프로세서, 콘트롤러, ALU(arithmetic logic unit), 디지털 신호 프로세서(digital signal processor), 마이크로컴퓨터, FPGA(field programmable gate array), PLU(programmable logic unit), 마이크로프로세서, 또는 명령(instruction)을 실행하고 응답할 수 있는 다른 어떠한 장치와 같이, 하나 이상의 범용 컴퓨터 또는 특수 목적 컴퓨터를 이용하여 구현될 수 있다. 처리 장치는 운영 체제(OS) 및 상기 운영 체제 상에서 수행되는 하나 이상의 소프트웨어 어플리케이션을 수행할 수 있다. 또한, 처리 장치는 소프트웨어의 실행에 응답하여, 데이터를 접근, 저장, 조작, 처리 및 생성할 수도 있다. 이해의 편의를 위하여, 처리 장치는 하나가 사용되는 것으로 설명된 경우도 있지만, 해당 기술분야에서 통상의 지식을 가진 자는, 처리 장치가 복수 개의 처리 요소(processing element) 및/또는 복수 유형의 처리 요소를 포함할 수 있음을 알 수 있다. 예를 들어, 처리 장치는 복수 개의 프로세서 또는 하나의 프로세서 및 하나의 콘트롤러를 포함할 수 있다. 또한, 병렬 프로세서(parallel processor)와 같은, 다른 처리 구성(processing configuration)도 가능하다.The devices described above may be implemented as hardware components, software components, and/or a combination of hardware components and software components. For example, devices and components described in the embodiments include a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), and a programmable PLU (programmable logic unit). logic unit), microprocessor, or any other device capable of executing and responding to instructions. The processing device may run an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of software. For convenience of understanding, there are cases in which one processing device is used, but those skilled in the art will understand that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it can include. For example, a processing device may include a plurality of processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.
소프트웨어는 컴퓨터 프로그램(computer program), 코드(code), 명령(instruction), 또는 이들 중 하나 이상의 조합을 포함할 수 있으며, 원하는 대로 동작하도록 처리 장치를 구성하거나 독립적으로 또는 결합적으로(collectively) 처리 장치를 명령할 수 있다. 소프트웨어 및/또는 데이터는, 처리 장치에 의하여 해석되거나 처리 장치에 명령 또는 데이터를 제공하기 위하여, 어떤 유형의 기계, 구성요소(component), 물리적 장치, 컴퓨터 저장 매체 또는 장치에 구체화(embody)될 수 있다. 소프트웨어는 네트워크로 연결된 컴퓨터 시스템 상에 분산되어서, 분산된 방법으로 저장되거나 실행될 수도 있다. 소프트웨어 및 데이터는 하나 이상의 컴퓨터 판독 가능 기록 매체에 저장될 수 있다.Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. You can command the device. The software and/or data may be embodied in any tangible machine, component, physical device, computer storage medium or device to be interpreted by or to provide instructions or data to a processing device. there is. Software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.
실시예에 따른 방법은 다양한 컴퓨터 수단을 통하여 수행될 수 있는 프로그램 명령 형태로 구현되어 컴퓨터 판독 가능 매체에 기록될 수 있다. 이때, 매체는 컴퓨터로 실행 가능한 프로그램을 계속 저장하거나, 실행 또는 다운로드를 위해 임시 저장하는 것일 수도 있다. 또한, 매체는 단일 또는 수 개의 하드웨어가 결합된 형태의 다양한 기록수단 또는 저장수단일 수 있는데, 어떤 컴퓨터 시스템에 직접 접속되는 매체에 한정되지 않고, 네트워크 상에 분산 존재하는 것일 수도 있다. 매체의 예시로는, 하드 디스크, 플로피 디스크 및 자기 테이프와 같은 자기 매체, CD-ROM 및 DVD와 같은 광기록 매체, 플롭티컬 디스크(floptical disk)와 같은 자기-광 매체(magneto-optical medium), 및 ROM, RAM, 플래시 메모리 등을 포함하여 프로그램 명령어가 저장되도록 구성된 것이 있을 수 있다. 또한, 다른 매체의 예시로, 어플리케이션을 유통하는 앱 스토어나 기타 다양한 소프트웨어를 공급 내지 유통하는 사이트, 서버 등에서 관리하는 기록매체 내지 저장매체도 들 수 있다.The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. In this case, the medium may continuously store a program executable by a computer or temporarily store the program for execution or download. In addition, the medium may be various recording means or storage means in the form of a single or combined hardware, but is not limited to a medium directly connected to a certain computer system, and may be distributed on a network. Examples of the medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROM and DVD, magneto-optical media such as floptical disks, and ROM, RAM, flash memory, etc. configured to store program instructions. In addition, examples of other media include recording media or storage media managed by an app store that distributes applications, a site that supplies or distributes various other software, and a server.
이상과 같이 실시예들이 비록 한정된 실시예와 도면에 의해 설명되었으나, 해당 기술분야에서 통상의 지식을 가진 자라면 상기의 기재로부터 다양한 수정 및 변형이 가능하다. 예를 들어, 설명된 기술들이 설명된 방법과 다른 순서로 수행되거나, 및/또는 설명된 시스템, 구조, 장치, 회로 등의 구성요소들이 설명된 방법과 다른 형태로 결합 또는 조합되거나, 다른 구성요소 또는 균등물에 의하여 대치되거나 치환되더라도 적절한 결과가 달성될 수 있다.As described above, although the embodiments have been described with limited examples and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved.
그러므로, 다른 구현들, 다른 실시예들 및 특허청구범위와 균등한 것들도 후술하는 특허청구범위의 범위에 속한다.Therefore, other implementations, other embodiments, and equivalents of the claims are within the scope of the following claims.
Claims (7)
- 컴퓨터 시스템에서 수행되는 권리금 거래 방법에 있어서,In the rights trading method performed in a computer system,상기 컴퓨터 시스템이 포함하는 적어도 하나의 프로세서의 의해, 상가와 관련된 정보를 기반으로 상기 상가의 권리금을 예측하는 단계; 및Predicting, by at least one processor included in the computer system, a claim amount of the store based on information related to the store; and상기 적어도 하나의 프로세서의 의해, 상기 권리금을 상기 상가의 거래를 위한 매매 기준가로 제공하는 단계Providing, by the at least one processor, the premium as a trading price for the transaction of the shopping mall;를 포함하는 권리금 거래 방법.Rights trading method comprising a.
- 제1항에 있어서,According to claim 1,상기 예측하는 단계는,The predicting step is상기 상가의 위치와 면적 및 임대 보증금을 포함하는 상가 기본 정보, 및 상권 지표 변화와 매출 정보 추이를 포함하는 상가 유동 정보를 이용한 기계학습 모델을 통해 상기 상가의 권리금을 예측하는 것Predicting the deposit of the mall through a machine learning model using basic mall information including the location and area of the mall and rental deposit, and mall flow information including changes in commercial district indicators and sales information trends을 특징으로 하는 권리금 거래 방법.Claims trading method characterized by.
- 제1항에 있어서,According to claim 1,상기 권리금 거래 방법은,The method of trading the right money,상기 적어도 하나의 프로세서의 의해, 상기 상가의 권리금 예측 및 거래를 위해 필요한 정보를 블록체인 기반의 거래 원장에 기록하는 단계Recording, by the at least one processor, information necessary for predicting and trading the rights of the shopping mall in a blockchain-based transaction ledger를 더 포함하는 권리금 거래 방법.A claim trading method further comprising a.
- 제1항에 있어서,According to claim 1,상기 예측하는 단계는,The predicting step is상권별 자료를 이용하여 인공지능(AI) 기반의 기계학습 모델을 학습하는 단계;Learning an artificial intelligence (AI)-based machine learning model using data for each commercial district;상기 기계학습 모델에 대해 시간 경과에 따른 상권 요소 변경 내역을 반영하여 주기적으로 상기 권리금을 예측하는 단계; 및Periodically predicting the premium by reflecting changes in commercial district elements over time with respect to the machine learning model; and주기적인 권리금 예측 내역을 블록체인 기반의 거래 원장에 기록하는 단계The step of recording periodic deposit prediction details in the blockchain-based transaction ledger를 포함하는 권리금 거래 방법.Rights trading method comprising a.
- 제4항에 있어서,According to claim 4,상기 예측하는 단계는,The predicting step is상기 거래 원장에 기록된 정보를 바탕으로 신규로 등록된 권리금에 대해 이상치(anomaly)를 검증하는 단계Step of verifying the anomaly for the newly registered premium based on the information recorded in the transaction ledger를 더 포함하는 권리금 거래 방법.A claim trading method further comprising a.
- 제1항에 있어서,According to claim 1,상기 권리금 거래 방법은,The method of trading the right money,상기 적어도 하나의 프로세서의 의해, 블록체인 스마트 계약을 기반으로 상기 권리금을 담보로 하는 대출 거래를 제공하는 단계Providing, by the at least one processor, a loan transaction based on a blockchain smart contract as collateral for the deposit.를 더 포함하는 권리금 거래 방법.A claim trading method further comprising a.
- 제6항에 있어서,According to claim 6,상기 대출 거래를 제공하는 단계는,The step of providing the loan transaction,블록체인 기반의 거래 원장에 기록된 주기적인 권리금 예측 내역을 이용하여 대출 가능 금액을 산정하는 단계; 및Calculating a possible loan amount using periodic deposit prediction details recorded in a blockchain-based transaction ledger; and투자자에 의한 투자금이 상기 대출 가능 금액에 도달하면 상기 권리금에 대한 질권을 설정하여 상기 대출 가능 금액에 대한 대출을 실행하는 단계Executing a loan for the loanable amount by setting a pledge on the premium when the investment by the investor reaches the loanable amount를 포함하는 권리금 거래 방법.Rights trading method comprising a.
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KR101931098B1 (en) * | 2018-06-07 | 2019-03-13 | 박성훈 | System and method for analysising commercial real estate value |
KR20190057909A (en) * | 2017-11-21 | 2019-05-29 | 한국과학기술연구원 | Real estate contract method and broker system based on block chain |
KR20190109300A (en) * | 2018-03-15 | 2019-09-25 | 조진삼 | Method and system for technology valuation using block chain and smart contract |
KR102290474B1 (en) * | 2020-02-25 | 2021-08-17 | (주)오아시스비즈니스 | Method and apparatus for determining premium using managing history based on data science |
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KR20140127033A (en) * | 2013-04-24 | 2014-11-03 | 주식회사 비지에프리테일 | Method of Calculating the mall's premium |
KR20190057909A (en) * | 2017-11-21 | 2019-05-29 | 한국과학기술연구원 | Real estate contract method and broker system based on block chain |
KR20190109300A (en) * | 2018-03-15 | 2019-09-25 | 조진삼 | Method and system for technology valuation using block chain and smart contract |
KR101931098B1 (en) * | 2018-06-07 | 2019-03-13 | 박성훈 | System and method for analysising commercial real estate value |
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