Algorithm of Smart Glasses-Based Real-Time Real Estate Rights Analysis and Fraud Prevention Value Evaluation System

Abstract

The present invention relates to a smart glasses-based real estate rights analysis and fraud prevention valuation system algorithm. The algorithm according to the present invention is linked with public real estate ledger data, such as the Certificate of All Registered Matters, the Building Register, and the Land Register, at a given location during the process of a user wearing smart glasses and inspecting an actual real estate property. Through this, it is effective in enhancing the safety of real estate transactions and accurately evaluating the value of properties by analyzing and blocking various fraud damages that may occur at real estate transaction sites in real time, such as inflating presale prices, concealing deceptive information by real estate agents, false listings, and price collusion.

Description

Technology Field

[0001] The present invention relates to an algorithm for a real estate rights analysis and fraud prevention valuation system utilizing the hardware infrastructure of smart glasses. More specifically, it relates to a software data processing platform technology that organically controls the on-device AI computing module and internal sensors of smart glasses terminals mass-produced and distributed by global tech companies, rather than a structure that directly manufactures factory-based physical devices or equipment.

[0002] This algorithm aims to block fraud damage occurring in real-time at real estate transaction sites, such as inflating presale prices, concealing deceptive information by real estate agents, false listings, and price collusion. To this end, a real-time real estate valuation and risk control algorithm system is provided, which crawls and cross-verifies financial and security data linked to public real estate records (Certificate of All Registered Matters, Building Register, Land Register) of the relevant location in real-time while a user wearing smart glasses is inspecting an actual property, and calculates the extracted risk to project it onto the smart glasses' display as augmented reality (AR) visualization data. Background Technology

[0003] Conventional real estate transaction systems have relied on users verifying changes in rights by querying public records, such as the Certificate of All Registered Matters, in real time. However, this method has a critical flaw: it is severely vulnerable to irregular fraud crimes that exploit specific vulnerable time periods when the administrative systems of public and financial institutions are closed.

[0004] In particular, real estate deception groups and fraudsters concentrate their criminal activities on the time just before public officials leave work (between 5:30 PM and 6:00 PM) on Fridays or the day before public holidays, when administrative inquiries by courts and government offices become virtually impossible. During this time, a blind spot arises where victims cannot immediately verify or cross-reference the facts with government offices or banks, even if a contract is concluded while presenting forged fixed-date documents or concealing trust deeds. Consequently, massive financial losses continue to occur as criminals hide funds and flee during the holiday period after down payments or deposits have been deposited; however, existing simple proptech platforms have limitations in that they cannot detect and block such time-lag deceptive activities in real time. Prior art literature

[0005] Not applicable

[0006] Not applicable The problem to be solved

[0007] The problem that the present invention aims to solve is to provide a smart glass-based rights analysis algorithm capable of detecting and blocking real estate time-lag fraud crimes in real time, which are concentrated in the blind spot (5:30 PM to 6:00 PM) just before leaving work on Fridays and the day before public holidays when inquiries by public and financial institutions are restricted. In addition, we aim to solve the technical challenge of fundamentally preventing damage from real estate fraud and establishing a sound trading environment by implementing an intuitive augmented reality (AR) warning engine that triangularly cross-verifies the certified copy of the land register, the building register, financial institution loan data, and local public security fraud history data simultaneously with on-site inspection, so as not to be misled by the deceptive rhetoric or information concealment acts of real estate agents. means of solving the problem

[0008] To solve the above problem, the present invention provides a software data processing algorithm in which a smart glass terminal (10), a valuation engine (30) that collects real estate public ledgers and financial and security data in real time, and a control board (13) that visualizes risk data calculated by the valuation engine (30) as augmented reality (AR) on a display (11) are organically linked.

[0009] Specifically, the valuation engine (30) of the present invention operates a 'time difference fraud prevention module' that detects specific day and time zone attributes of the transaction day; When the above module detects that the real-time session at the time of the contract enters a specific administrative blind spot time zone [between 17:30 and 18:00 on Friday or the day before a public holiday], it automatically switches the data crawling cycle from an always-on cycle (e.g., 1 hour) to a real-time immediate cycle (e.g., close crawling at 1-minute intervals) and cross-verifies financial loan and mortgage change information with the highest priority.

[0010] In addition, the present invention provides a solution means that induces intuitive recognition by using a sensor to recognize the 3D location coordinates of a building where the user’s gaze rests at the site inspection site, and by inversely calculating the forgery status and risk rights relationship by real-time triangular crawling of the certificate of all registered matters, building register, and financial institution trust ledger data of the address, and then forcibly matching and projecting this onto the smart glasses lens display (11) as real-time text and red warning graphic images.

[0011] In addition, the valuation engine (30) of the present invention further includes a ‘contracting parties bidirectional credit evaluation matrix algorithm’ for precisely evaluating the real-time asset soundness and real estate ownership sustainability between real estate transaction parties A (seller / lessor) and B (buyer / lessee);

[0012] The above valuation engine (30) performs a legal procedure control step of collecting and recognizing the [Third-party Personal Information Usage Consent Form] between the parties in real time via an electronic signature method through a smart glass terminal (10) or a linked mobile interface before collecting credit data;

[0013] When it is identified that the consent to use the above personal information is completed, the valuation engine (30) calls the credit rating agency and financial system API to crawl and calculate the personal credit scores, tax delinquency history, and existing loan balances of A and B in real time, thereby providing a solution to inversely calculate whether there is an ability to continuously maintain ownership of the real estate in the future, and if the risk threshold is exceeded, project warning data such as "risk group unable to maintain ownership" in real-time AR onto the display (11) of the smart glasses.

[0014] Furthermore, in order to determine the transaction risk based on the past criminal history of both parties to the contract, the above-mentioned valuation engine (30) links with the security databases of the National Police Agency and judicial institutions under the clear electronic consent of the parties to query and crawl [past real estate-related criminal history (fraud, embezzlement, breach of trust, etc.) and history of high-value and habitual tax delinquency] in real time and reflects them as weights in the risk index;

[0015] If one of the parties refuses to consent to the use of the above personal information and criminal / tax arrears history, or if the inquiry result determines that the party is in a risk group, the valuation engine (30) identifies this as a real-time deceptive act and provides a solution to immediately and forcibly project warning data of "unable to verify the other party's identity or criminal risk group" onto the display (11) of the smart glasses. Effects of the invention

[0016] According to the present invention, the following significant effects occur.

[0017] First, by using a real-time timestamp-based close crawling algorithm to block time-lag fraud crimes that target administrative blind spots just before leaving work on Fridays and the day before public holidays—crimes that conventional proptech platforms failed to defend against—it is possible to perfectly protect users' deposit and down payment assets.

[0018] Second, even if a real estate agent engages in deceptive verbal explanations, conceals information, or induces false listings, data-based objective rights risks are projected in real-time AR on the smart glasses' display, allowing for immediate fraud prevention on-site without being misled by the agent's rhetoric.

[0019] Third, it is possible to realize an extremely high-margin business model by immediately downloading and licensing it in the form of a software engine on the existing smart glass device infrastructure of large global companies without the physical risk and inventory burden of manufacturing hardware directly in a factory. Specific details for implementing the invention

[0020] Hereinafter, preferred embodiments of the software data processing platform algorithm of the present invention will be described in detail. Since the present invention does not limit the appearance or structural manufacturing method of a hardware device, a separate physical drawing application is omitted, and specific details are implemented based solely on a clear data operation processing flow.

[0021] The system algorithm of the present invention begins with the step of a user wearing a smart glass terminal (10) and approaching the site of a target real estate listing.

[0022] [Step 1: Blind Spot Time Zone Detection Algorithm]

[0023] The system's valuation engine (30) analyzes standard timestamp data at the current time when a contract or site visit is in progress. If the current time is determined to be a specific blind spot time period when the fraud crime rate surges, namely between 17:30 and 18:00 on the day before a Friday or public holiday, the valuation engine (30) raises the security level to the highest level and forcibly activates the risk calculation weight matrix.

[0024] [Step 2: Real-time Data Triangular Crawling and Cross-validation]

[0025] When the address of the target building is determined through the on-device AI camera (12) and GPS location sensor mounted on the smart glasses, the valuation engine (30) connects a real-time API / crawling session to the Internet Registry Office, the court administration system, and the Supreme Court asset database to parse the Certificate of All Registered Matters and the Building Register. At the same time, the amount of the mortgage established by the financial sector associated with the address, whether ownership has been transferred to a trust company, and the history of brokers / corporations suspected of Jeonse fraud registered in the security database are triangularly cross-verified to calculate a risk index from 0 to 100.

[0026] [Step 3: Real-time AR Projection and Fraud Prevention]

[0027] If the calculated risk index exceeds a preset safety threshold (e.g., risk index 60), the control board (13) immediately converts the corresponding risk reason (e.g., "Building owned by trustee - increased risk of fraud of deposit upon contract") into digital visual graphic data. The converted warning text and graphic are projected in real-time onto the eyeglass lens display (11) of the smart glasses that the user is looking at, thereby completing technical control so that the user can immediately stop the contract without being deceived by the deceptive rhetoric at the site. Industrial applicability

[0028] The smart glass-based real estate rights analysis and fraud prevention valuation system algorithm of the present invention is fully recognized for its high industrial applicability in the following respects.

[0029] First, the present invention is a pure software and algorithm platform technology that does not require factory facilities or physical manufacturing processes, and can be commercialized by immediately uploading it to the smart glass app store and platform market, which is being mass-produced and distributed worldwide by global big tech companies such as Google, Samsung, and Apple.

[0030] Second, since it can technically defeat increasingly sophisticated Jeonse fraud and real estate deception crimes, it is possible to immediately and repeatedly generate license revenue and global industrial added value not only in the private sector, such as real estate broker associations, the proptech SaaS market, non-life insurance companies, and real estate auction platforms, but also in the B2G government supply market for building public safety networks, so its industrial applicability is very clear.

Claims

Claim 1 In a real estate fraud prevention valuation system algorithm comprising a smart glass terminal (10), a valuation engine (30) that performs data crawling and risk calculation, and a control board (13) that controls augmented reality (AR) visualization, the valuation engine (30) analyzes a real-time session timestamp of a real estate contract transaction site to detect entry into a specific administrative blind spot time period [between 17:30 and 18:00 on Friday or the day before a public holiday] during which administrative inquiries by public and financial institutions are restricted; upon detection of the blind spot time period, forcibly switches the data crawling cycle to a real-time close-up cycle and electronically collects a [consent form for the use of third-party personal information and judicial / tax arrears history] between the contracting parties (A and B) through the smart glass terminal (10); and upon completion of the consent, triangular cross-verifies the contracting parties' personal credit scores, tax arrears history, and past real estate-related criminal records by linking in real-time with financial sector systems and judicial security database APIs to continue real estate ownership A smart glass-based real estate rights analysis and fraud prevention valuation system algorithm characterized by: a step of calculating a probability and transaction risk index; and a step of controlling a transaction by projecting the corresponding risk reason and warning data in real-time matching as augmented reality (AR) graphics onto the eyeglass lens display (11) of the smart glass terminal (10) through the control board (13) when the risk index exceeds a preset safety threshold or when one of the parties refuses the consent.

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