Methods, apparatus and systems for service delivery based on value sharing platform by co-investment and ownership of commercial and residential spaces

Abstract

The application discloses an example device which realizes full-process investment management of commercial and accommodation space through intelligent process. Firstly, the location, area, facilities and other property information of the target space are collected from the real estate database, and meanwhile, the commercial area analysis data within the preset range are collected according to the commercial area database, so that the investment attraction and expected profitability of the space are comprehensively evaluated, and the investment level is generated. If the investment level is higher than the preset standard, the space is selected into the candidate investment group. The device collects the expected investment amount, stock ratio and use schedule from the investor terminal, and acquires the expected sale amount, share and use conditions from the space owner terminal, and screens the matched investor combination. After the combination is determined, the common investment contract terms are automatically generated and sent to the terminals of both parties. Subsequently, the space use is managed according to the ownership share based on the contract, and the rent, business income and other data are collected, so that the automatic distribution of the income is realized, and a complete and efficient investment management closed loop is formed.

Description

Technical Field

[0001] The following embodiments relate to a technical solution that constructs a value-sharing platform based on the ownership and utilization of commercial and accommodation spaces, and realizes innovative applications of service delivery methods, devices and systems through a multi-party joint investment model. Background Technology

[0002] In recent years, with the booming development of the sharing economy and the continued rise in the real estate investment market, people have shown great interest in the joint ownership and collaborative utilization of spatial assets. In particular, the concept of "value sharing" has gradually emerged. This model breaks through the traditional single ownership framework, emphasizing the sharing of actual benefits and use value generated by the use of space by multiple participants, and is becoming a new direction for the innovative development of real estate platforms.

[0003] Taking commercial spaces as an example, shopping malls often face the problem of vacant shops, while entrepreneurs bear extremely high risks due to the uncertainty of initial fixed costs and business district analysis. If mall owners and entrepreneurs can leverage big data to comprehensively consider commercial development potential, rent reasonableness, location advantages, and customer flow characteristics to achieve intelligent matching, and collaborate through rent reduction, equity cooperation, and other means, a win-win situation will be formed—reducing mall vacancy rates, mitigating entrepreneurial risks, and effectively revitalizing commercial resources.

[0004] In the accommodation space sector, the independent ownership and operation of high-end spaces such as private cottages, villas, and guesthouses face challenges in terms of both economic costs and management complexity. Consequently, a model has emerged where multiple investors jointly own accommodation spaces and allocate usage periods and rental income according to their shareholding ratios. However, the successful implementation of this model urgently requires the establishment of a systematic platform to achieve scientific management of investor rights coordination, shareholding and usage arrangements, and full transparency in the entire process of profit distribution.

[0005] However, existing real estate platforms have significant functional limitations, mostly offering only property information display and brokerage contract services, which are insufficient to meet the needs of the new era. The market urgently needs a technology-driven, comprehensive system capable of accurately assessing investment value through data analysis, efficiently integrating resources from multiple parties, and constructing a fair and reasonable profit distribution mechanism.

[0006] Therefore, developing a value-sharing platform service system based on the ownership and utilization of commercial and residential spaces, encompassing corresponding service delivery methods, equipment, and systems, has become an inevitable trend and a key technological requirement for the industry.

[0007] Previous documents

[0008] [Patent Documents]

[0009] (Patent Document 1) Korean Patent Registration No. 10-2684431 (Published on July 12, 2024)

[0010] (Patent Document 2) Korean Patent Registration No. 10-2393359 (Published on May 2, 2022)

[0011] (Patent Document 3) Korean Patent Registration No. 10-1199339 (Published on November 9, 2012)

[0012] (Patent Document 4) Korean Patent No. 10-2024-0036173 (published on March 20, 2024) Summary of the Invention

[0013] This embodiment aims to create an intelligent platform service system that automatically assesses the value potential and investment return capabilities of commercial and residential spaces, accurately coordinates the needs of investors and space owners, and completes contract generation and revenue distribution management through an integrated process.

[0014] For early-stage entrepreneurs, this implementation plan utilizes quantitative analysis models to deeply assess business prospects, automatically optimize rent and equity distribution schemes, and innovatively construct a two-way matching mechanism. This effectively reduces the financial and operational risks in the early stages of entrepreneurship, revitalizes commercial space resources, genuinely solves the problem of mall vacancy, and achieves a win-win situation for all parties.

[0015] In the accommodation space sector, this embodiment automatically generates a scientific and reasonable co-ownership plan by accurately calculating the actual purchase cost and expected investment return, combined with the personalized needs of investors, to ensure fair and transparent distribution of rights and improve investment management efficiency.

[0016] It should be noted that the above-mentioned functions are not the entirety of the objectives of this invention. As the technical solution is explained in more detail, more innovative value and application scenarios will gradually become clear.

[0017] The present invention solves the technical problem by adopting the following technical solution:

[0018] According to one embodiment, in a method for providing a value-sharing platform service for the ownership and utilization of commercial and residential spaces based on joint participation and investment, the method includes the following steps: collecting property information such as location, area, and facilities of the commercial or residential space from a real estate database; collecting commercial area analysis data within a preset distance based on the location of the commercial or residential space in a commercial area database; assessing investment attractiveness and expected profitability to determine the investment level; if the investment level exceeds a preset standard, the space is selected as an investment candidate; for spaces selected as investment candidates, collecting investment conditions such as expected investment amount, expected equity ratio, and expected usage schedule from investor terminals, and collecting sales conditions such as expected sales amount, expected share ratio, and space usage conditions from space owner terminals; selecting an investor portfolio based on the above investment and sales conditions; automatically generating joint participation and investment contract terms based on the selection results and transmitting them to investor terminals and space owner terminals; managing the space usage schedule according to the terms of the above agreement based on each investor's ownership share; collecting revenue data from a tax reporting system, including rental income and operating income of the relevant commercial or residential space, and automatically allocating revenue according to each investor's ownership share.

[0019] For commercial spaces, the stage of calculating the rental discount rate and equity transfer rate based on the business prospects and projected sales data of early founders who wish to enter the commercial space market; transferring the lease term proposal, including the rental discount rate and equity transfer rate calculated above, to the devices of the initial founder terminal and the commercial space owner; for the lease term proposal, if both terminals receive acceptance input, generating a contract document in a preset form reflecting the rental discount rate and equity transfer rate, and transmitting the request data to each terminal for electronic signature; may be included.

[0020] The calculation steps for rental discount rate and equity transfer rate involve: First, collecting entrepreneurial information data, including startup type, prior entrepreneurial experience, capital size, and target sales; second, analyzing commercial real estate data such as industry average startup survival rate, industry average sales growth rate, time-based population flow, major transportation accessibility, and number of competitors; third, calculating industry suitability by assigning pre-defined weights to the founder's entrepreneurial experience and the average startup survival rate of the relevant industry based on the entrepreneurial information data and commercial area analysis data; and fourth, calculating industry suitability by assigning pre-defined weights to capital size, target sales, the location's average sales growth rate, and population flow. The process includes: a stage for calculating expected profitability; a step for calculating location suitability by adding preset weights to each transient population, major transport accessibility, and number of competitors; a step for calculating business prospects by applying preset weights to each business suitability, expected profitability, and location suitability; a stage for calculating the rent discount rate based on preset standards for business prospects; a step for calculating the share transfer rate by transferring a certain percentage of the initial founders' shares to the commercial space owner based on preset standards for business prospects; a step for verifying that the expected profit or loss of the commercial space owner, calculated based on the rent discount rate and share transfer rate, does not exceed a pre-set loss tolerance; and a step for determining the final rent discount rate and final share transfer rate based on the results of the above checks.

[0021] The process involves calculating the required investment amount for co-ownership of accommodation space and confirming whether the required investment amount is met based on the investor's expected investment amount. For accommodation spaces selected as candidate investment groups, a standard purchase price is calculated by comparing the space's property information, published land prices, and actual transaction prices within a preset distance based on a real estate database. If the accommodation space's sales price exceeds the standard purchase price, an adjusted purchase price is calculated based on the preset standard and transmitted to the accommodation space owner's device. If the accommodation space's sales price is lower than or equal to the aforementioned standard purchase price, or if an approved adjusted purchase price is received from the accommodation space owner's terminal, the loan amount for the accommodation space is collected from the financial database, and the investor's share is calculated by subtracting the available loan amount from the standard purchase price or the adjusted purchase price. The loan interest rate and loan repayment terms are reflected in the investor's share, calculating the final required investment amount. Based on the location of the accommodation space in the commercial area database, the flow of people and average rental yield are collected over time. The process includes: calculating the projected rental income of the accommodation space; calculating loan repayment costs based on loan interest rates and repayment terms collected from a financial database; calculating the expected net rental income by subtracting the loan repayment costs from the projected rental income; calculating the expected return on each investment amount based on the projected net rental income; transmitting the expected return on each investment amount to each investor's terminal if the total expected investment amount collected from each investor's terminal exceeds the amount required for the final investment; transmitting a final investment intention confirmation request to each investor's terminal; selecting additional investors based on the shortfall in the final investment amount if the response to the final investment intention confirmation request includes rejection or no response; receiving the final investment intention from the additional investors' terminals to confirm whether the amount required for the final investment is met; if the final investment amount is confirmed to be met, the process may include transmitting the requirements for the pre-set contract documents to each investor's terminal; receiving the required contract documents from the aforementioned investor's terminal; calculating the shareholding ratio based on the proportion of each investor's investment amount; generating a pre-set contract document reflecting the corresponding shareholding ratio; and transmitting it to each investor's terminal.

[0022] The steps for calculating the investment grade of a space by evaluating its investment attractiveness and expected profitability are as follows: Based on information collected from a real estate database regarding the space's location, area, building age, and facilities; data on store opening and closing rates within a specified timeframe; commercial area trend change index; and the survival rate of similar commercial areas within the same industry; the steps for calculating the space's aging and facility utilization rate scores according to preset standards; the steps for calculating the commercial area's stability score according to preset standards; the steps for calculating the investment risk score by applying preset weights to the space's aging, facility utilization, and commercial area stability scores; the steps for calculating the expected asset value based on publicly available land price change rates; the steps for calculating the investment attractiveness score by applying preset weights to the investment risk score and expected asset value based on the asset value growth rate of similar spaces within a preset distance and information from urban planning agencies collected from the real estate database; and the steps for calculating the investment attractiveness score and expected asset value based on preset weights based on preset standards based on historical investment success rates and average investment recovery periods of similar spaces with similar location conditions collected from a financial database. Finally, the steps for calculating the space's expected profitability score based on preset standards and the steps for calculating the investment grade of the space by applying preset weights to the investment attractiveness and expected profitability scores according to preset standards.

[0023] The steps for selecting investor portfolios based on investment and sales conditions include: extracting key investment condition information from investor terminals (such as required investment amount, expected equity ratio, and expected usage schedule); extracting key investment condition information from space owners by analyzing sales conditions (including expected sales amount, expected percentage of shares to be sold, and space usage conditions); calculating similarity scores between investment condition keywords and demand keywords; identifying investor portfolios with similarity scores higher than a preset standard as first-candidate investor portfolios; identifying investor portfolios whose expected usage schedule overlaps with a preset allowance as second-candidate investor portfolios; and selecting the investor portfolio with the highest portfolio balance score from the second-candidate investor portfolios. This process can include quantifying the deviation between the expected equity ratio of investors and the investment amount included in each portfolio according to preset standards.

[0024] The apparatus according to one embodiment can be combined with hardware and controlled by a computer program stored on a medium to perform any of the methods described above.

[0025] The present invention has the following beneficial effects:

[0026] The implementation examples can provide a platform for the effective management of co-ownership and utilization of commercial and residential spaces.

[0027] The example can quantify the business prospects of early-stage startups to calculate lease terms and provide a method for automatically matching acceptable terms between founders and space owners.

[0028] The example could provide a method for automatically calculating investment amounts and attracting investors for accommodation spaces.

[0029] The embodiments may provide a method for assessing the investment attractiveness and profitability of a space to determine its investment grade.

[0030] The examples can provide an effective method for constructing a suitable investor portfolio while taking into account investment conditions.

[0031] On the other hand, the effects of the embodiments are not limited to those described above, and other unmentioned effects can be clearly understood by those skilled in the art from the following description. Attached Figure Description

[0032] Figure 1 A schematic diagram illustrating the system configuration of the Japanese implementation example;

[0033] Figure 2 A flowchart illustrating the process of providing a value-sharing platform service through joint investment based on the ownership and use of commercial and residential spaces;

[0034] Figure 3 This is a flowchart illustrating the process of proposing customized lease terms and handling contracts for the initial founders of commercial spaces.

[0035] Figure 4 A flowchart illustrating the process of calculating the rental discount rate and equity transfer rate;

[0036] Figure 5 A flowchart to present the process of calculating the investment amount required for accommodation space and verifying whether the amount meets the conditions;

[0037] Figure 6 A flowchart is provided to explain the process of calculating the spatial investment grade by assessing investment attractiveness and expected profitability;

[0038] Figure 7 This is a flowchart illustrating the process of selecting investor portfolios based on investment and sales criteria;

[0039] Figure 8 This is a schematic diagram illustrating an example of the device composition of an embodiment. Detailed Implementation

[0040] The embodiments have been described in detail herein with reference to the accompanying drawings. However, the scope of the patent application is not limited to these embodiments, as various changes can be made to the embodiments. All modifications, equivalents, or substitutions to the embodiments should be understood to be included within the scope of the claims.

[0041] The specific structural or functional descriptions of the embodiments are disclosed for illustrative purposes only and can be modified and performed in various forms. Therefore, the embodiments are not limited to the specific form of disclosure, and the scope of this specification includes modifications, equivalents, or substitutions incorporated into the technical concept.

[0042] Terms such as "first" or "second" can be used to describe various components, but the interpretation of these terms should only be used to distinguish one component from another. For example, the first component can be named the second component, and similarly, the second component can be named the first component.

[0043] When a component is said to be "connected" to another component, it should be understood that it may be directly connected to another component or connected to another component, but there may be another component between them.

[0044] The terminology used in these embodiments is for illustrative purposes only and should not be construed as limiting. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this alternative text, the terms “comprising” or “having” should be understood to mean the presence of any feature, number, step, movement, component, part, or combination thereof as described herein, and does not exclude the presence or addition of one or more other features, numbers, steps, movements, components, parts, or combinations thereof.

[0045] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person of common sense in the art field to which the embodiments pertain. Terms such as those defined in common dictionaries should be interpreted as having a meaning consistent with the context of the relevant description and should not be interpreted in an idealistic or overly formal sense unless explicitly defined in this application.

[0046] Furthermore, when describing the embodiments with reference to the accompanying drawings, the same reference code will be provided for the same component regardless of the drawing code, and repeated descriptions will be omitted. When describing embodiments, detailed descriptions should be omitted if it is determined that a detailed description of the relevant notifying technology may unnecessarily obscure the essential points of the embodiment.

[0047] The embodiments can be implemented in various types of products, such as personal computers, laptops, tablets, smartphones, televisions, smart home appliances, smart cars, kiosks, wearable devices, etc.

[0048] Figure 1 It is a diagram that roughly shows the system configuration according to the Japanese embodiment.

[0049] like Figure 1As shown, a system according to one embodiment may include an investor's terminal 100, a space owner's terminal 200, an initial initiator's terminal 300, and a device 400 capable of communicating with each other via a communication network.

[0050] First, regardless of the communication mode, such as wired or wireless, a communication network can be configured and implemented in various forms to enable communication between servers and between servers and terminals.

[0051] [Explanation of Labels in the Attached Image]

[0052] 100: Investor Terminal

[0053] 200: Equipment owned by the space owner

[0054] 200-1: Terminal for Commercial Space Owners

[0055] 200-2: Equipment of accommodation space owners

[0056] 300: The terminal for early founders

[0057] 400: Equipment

[0058] 410: Processor

[0059] 420: Memory

Claims

1. A method, equipment, and system for service delivery based on a value-sharing platform, characterized by: Ownership and utilization of commercial and residential spaces through joint participation and investment. Collect property information from real estate databases, including the location, size, and facilities of listed commercial or residential spaces; collect commercial area analysis data within a preset distance based on the location of relevant commercial or residential spaces in the commercial area database. Based on data collected from real estate and commercial district databases, the investment attractiveness and expected profitability of commercial or residential spaces are assessed to determine investment levels. If the investment level exceeds pre-set standards, the space is selected as a candidate investment space. For selected candidate investment spaces, investment conditions such as expected investment amount, expected equity ratio, and expected usage schedule are collected from investor terminals, and sales conditions such as expected sales amount, expected share ratio, and space usage conditions are collected from space owner terminals. Investor combinations are selected based on investment and sales conditions. Based on the selection results, joint participation and investment contract terms are automatically generated and transmitted to the terminals of investors and space owners. According to the agreement terms, the space usage schedule is managed according to each investor's percentage of ownership. Revenue data, including rental and operating income of commercial or residential spaces, is collected from the tax reporting system, and profits are automatically allocated according to each investor's percentage of ownership. Ownership and use of commercial and residential spaces are realized through joint participation and investment, and a value-sharing platform service is provided.

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