Market-driven housing securitization system and method therefor

Abstract

The present invention relates to a market-driven housing securitization system and a method therefor, and the method comprises a step comprising: an advisory step of informing, by an advisory company server, a home owner of a contract condition according to a home location, share, collateral, and market price, and informing a home sale and LeaseBack (HSLB) operator company of an operating condition; a token issuance step of, when the HSLB operator company concludes an HSLB contract with the home owner, issuing, by an HSLB operator company server, securities reflecting contract conditions and operating conditions, and then issuing an HSLB token mirrored or linked to the securities through the advisory company server and listing same on a token distribution platform; a pension payment step of settling, by the HSLB operator company server, token trading profit through the token distribution platform and paying a home trading price to the home owner in a lump sum or in the form or an annuity; and a dividend payment step of, when the HSLB operator company server receives payment for a rental fee from the home owner, settling a dividend and paying the dividend to token investors.

Description

Market-driven housing securitization system and methods

[0001] The present invention relates to a market-driven housing securitization system and method thereof that guarantees the residence of homeowners while facilitating cash flow through a market-driven rather than government-driven approach.

[0002] In many countries, including Korea, the aging population is increasingly exacerbating the problem of post-retirement income shortages. Many older adults have most of their assets tied up in their homes, yet they often lack cash flow.

[0003] Accordingly, a system such as the housing pension (or housing mortgage old-age pension loan) has been introduced to provide stable support for retirement life in an aging society, but this has limitations such as the requirement that one of the couple must be 55 years of age or older and the housing price must be less than 1.2 billion won based on the publicly announced price.

[0004] You can consider the option of taking out a mortgage loan to cover living expenses, but there is a limit on the loan amount compared to the house price (LTV), and above all, if you have no income, there is a problem in that you cannot use the loan due to the 40% debt service ratio (DSR) regulation that limits the loan amount compared to income.

[0005] Asset Management Companies (AMCs) can also apply REITs or Corporate Sale & Leaseback strategies to individual homes. However, AMCs primarily seek economies of scale through corporate-owned properties like large-scale office buildings, rental apartment complexes, and shopping malls, making individual homes unavailable for investment. While AMCs can pool individual homes and invest in them collectively, geographical dispersion can increase management costs and hinder operational efficiency.

[0006] This raises the need to explore new housing utilization methods that can complement or replace housing pensions. This is to meet the diverse needs of the elderly and promote long-term social stability.

[0007] Accordingly, in order to solve the above problems, the present invention provides a market-driven housing securitization system and method thereof that guarantees the residence of homeowners while providing a retirement income supplement effect similar to a housing pension, by tokenizing home ownership shares and enabling them to be traded.

[0008] The purpose of the present invention is not limited to the purposes mentioned above, and other purposes not mentioned will be clearly understood by those skilled in the art from the description below.

[0009] As a means for solving the above problem, according to one embodiment of the present invention, a market-driven method for securitizing housing is provided, including: an advisory step in which an advisory server informs a homeowner of contract terms based on the home location, share, collateral, and market price, and informs a Home Sale and LeaseBack (hereinafter, HSLB) operator of operating terms; a token issuance step in which, when the HSLB operator concludes an HSLB contract with a homeowner, the HSLB operator issues securities reflecting the contract terms and operating terms, and then issues HSLB tokens mirrored or linked to the securities through the advisory server and lists them on a token distribution platform; an annuity payment step in which the HSLB operator server settles the token sales profits through the token distribution platform and pays the homeowner the housing purchase price in a lump sum or in the form of an annuity; and a dividend payment step in which, when the HSLB operator server receives rent payments from homeowners, it settles dividends and pays them to token investors.

[0010] The above-mentioned advisory phase is characterized by guiding the homeowner through the contract terms and conditions, including the purchase price of the home based on the home's location, equity, collateral, and market price, monthly rent and capital gains tax, pension payment method, contract period, and obligations during the contract period.

[0011] The above advisory phase is characterized by guiding the HSLB operator on the terms of contracts with homeowners, the terms of issuing securities and tokens, the terms of pension and investment payments, and the terms of receiving rent and paying dividends.

[0012] The above HSLB operator server is characterized in that the HSLB operator can be either a trust company or a SPC (Special Purpose Company), and in the case of a trust company, it issues income securities, and in the case of an SPC, it issues equity securities.

[0013] The above token issuance step is characterized by determining the number of tokens based on the value obtained by dividing the amount obtained by adding the token issuance fee to the housing sale price by the minimum token price.

[0014] The above market-driven housing securitization method is characterized by further including the steps of repaying and burning existing securities and tokens when securities mature and the homeowner wishes to extend the contract, but issuing and listing new securities and new tokens based on a fair price and a re-lease agreement based on the current market price of the house.

[0015] In addition, the market-driven housing securitization method described above is characterized by further including a step of calculating the proceeds from the housing disposal process and paying them to token investors and HSLB tenants, respectively, when the housing disposal process is in progress, and then destroying the securities and redeeming and burning the tokens.

[0016]

[0017] As a means for solving the above problem, according to another embodiment of the present invention, a market-driven housing securitization system is provided, including: an advisory server that performs homeowner advisory operations and HSLB operator advisory operations for concluding an HSLB (Home Sale an Lease Back) contract, and issues tokens mirrored or linked to securities; an HSLB operator server that issues securities reflecting contract terms and operating conditions when an HSLB contract is concluded with a homeowner, and then issues HSLB tokens mirrored or linked to the securities through the advisory server, lists them on a token distribution platform, pays homeowners an annuity equivalent to the token sales amount, and pays token investors a dividend equivalent to the rent paid by homeowners; and an exchange server that mediates transactions of tokens listed on the token distribution platform, pays the token sales amount to the HSLB operator, and pays dividends to token investors.

[0018] The present invention enables the tokenization and trading of housing ownership shares by a trust company or SPC entity, thereby enabling the securitization of housing in a market-driven manner rather than a government-led manner.

[0019] And, for homeowners, it provides a retirement income supplement effect similar to a housing pension by allowing them to receive the purchase price of their home as a lump sum or pension while guaranteeing their residence in the home.

[0020] Additionally, token investors can invest in housing with small amounts of capital and generate profits accordingly.

[0021] FIG. 1 is a diagram illustrating a market-driven housing liquidity system according to one embodiment of the present invention.

[0022] FIG. 2 is a drawing for explaining a method for securitizing housing according to a new HSLB contract according to one embodiment of the present invention.

[0023] FIG. 3 is a drawing for explaining a method for securitizing housing by renewing an HSLB contract according to one embodiment of the present invention.

[0024] FIG. 4 is a drawing for explaining a method for securitizing housing upon termination of an HSLB contract according to one embodiment of the present invention.

[0025] Before describing the present disclosure in detail, the description method of the specification and drawings will be described.

[0026] First, the terms used in this specification and claims are general terms selected based on their functions in the various embodiments of the present disclosure. However, these terms may vary depending on the intentions of those skilled in the art, legal or technical interpretations, and the emergence of new technologies. Furthermore, some terms may have been arbitrarily selected by the applicant. These terms may be interpreted according to the meanings defined in this specification. In the absence of a specific definition, they may be interpreted based on the overall content of this specification and common technical knowledge in the relevant field.

[0027] Additionally, the same reference numbers or symbols in each drawing attached to this specification represent parts or components that perform substantially the same functions. For convenience of explanation and understanding, the same reference numbers or symbols are used in different embodiments. In other words, even if components with the same reference numbers are all depicted in multiple drawings, the multiple drawings do not necessarily represent a single embodiment.

[0028] Additionally, terms including ordinal numbers, such as "first," "second," etc., may be used in this specification and claims to distinguish between components. These ordinal numbers are used to distinguish identical or similar components from each other, and the use of these ordinal numbers should not be interpreted in a limited manner. For example, components associated with these ordinals should not be restricted in their order of use or arrangement by their numbers. If necessary, each ordinal number may be used interchangeably.

[0029] In this specification, singular expressions include plural expressions unless the context clearly dictates otherwise. In this application, terms such as "comprise" or "consist of" are intended to indicate the presence of a feature, number, step, operation, component, part, or combination thereof described in the specification, but should be understood not to preclude the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0030] In the embodiments of the present disclosure, terms such as "module," "unit," "part," etc. are terms used to refer to components that perform at least one function or operation, and such components may be implemented as hardware or software, or a combination of hardware and software. In addition, a plurality of "modules," "units," "parts," etc. may be integrated into at least one part or chip and implemented as at least one processor, except in cases where each needs to be implemented as a separate, specific hardware.

[0031] Additionally, in the embodiments of the present disclosure, when a part is said to be connected to another part, this includes not only a direct connection but also an indirect connection through another medium. Furthermore, unless specifically stated otherwise, the statement that a part includes a certain component does not exclude other components, but rather implies that other components may be included.

[0032]

[0033] FIG. 1 is a diagram illustrating a market-driven housing liquidity system according to one embodiment of the present invention.

[0034] Referring to FIG. 1, the system (100) of the present invention includes an advisory server (110), an HSLB (Home Sale an LeaseBack) operator server (120), an exchange server (130), a deposit settlement center server (140), etc., and enables the tokenization and trading of home ownership shares in a new way, thereby ensuring the residence of homeowners while providing a retirement income supplement effect similar to a housing pension.

[0035] The advisory server (110) is a server operated by the advisory firm, and the advisory firm can conduct a housing advisory process for homeowners and a contract advisory process for HSLB operators based on a housing securitization plan through HSLB.

[0036] Housing advice for homeowners may be provided by guiding contract terms including ① the housing purchase price, monthly rent, and capital gains tax based on the location, share, collateral, and market price of the house, ② the method of receiving pension, ③ the contract period, and ④ obligations during the contract period. Contract advice for HSLB operators may be provided by guiding operating terms including ① the contract terms with homeowners, ② the terms of issuing securities and tokens, and ③ the terms of pension and investment settlement, but need not be limited to these.

[0037] In addition, the advisory server (110) operates a token issuance platform that can issue tokens based on blockchain, and through this, issues tokens that are mirrored or linked to securities issued by the HSLB operator server (120).

[0038]

[0039] The HSLB operator server (120) is a server operated by the HSLB operator, which concludes an HSLB contract with a homeowner and issues and registers securities reflecting the contents of the HSLB contract.

[0040] At this time, a trust company or a special purpose company (SPC) can be used as the HSLB operator, but is not limited to these. A trust company is an entity that receives and manages client assets in a trust form and makes decisions on asset management and investment. It issues beneficiary certificates reflecting the HSLB contract and pays out profits generated from specific assets to token investors. An SPC is an entity established to carry out specific projects or financial transactions. It issues equity securities reflecting the HSLB contract and pays out profits generated from specific assets to token investors.

[0041] The HSLB operator server (120) lists tokens issued based on issued securities on a token distribution platform to attract token investors and pays pensions to HSLB tenants based on their investment amounts. Furthermore, after receiving rent from HSLB tenants, the operator calculates and distributes corresponding dividends to token investors.

[0042] By separating the securities and token issuers, the present invention secures the advantages of diversifying legal risks, reducing the complexity of regulatory compliance, independently managing and distributing risks on each side, and enhancing token investor protection and transparency.

[0043]

[0044] The exchange server (130) is a server operated by the exchange, which opens and manages accounts for HSLB operators and token investors, and mediates token transactions through a token distribution platform based on these accounts.

[0045] At this time, token distribution platforms may include, but are not limited to, OTC trading platforms (Over-The-Counter Trading Platforms), token specialized exchanges, and OTC exchanges for funds and institutional token investors.

[0046]

[0047] The Korea Deposit Insurance Corporation server (140) is a server operated by the Korea Deposit Insurance Corporation, which provides deposit and settlement services for stocks, bonds, and other securities. By recording and storing all information related to the operation of HSLB, such as the issuance and disposal history of securities and tokens, token transaction history, and dividend settlement history, it maintains the stability, transparency, and efficiency of the securities and token market and provides reliable services to token investors and market participants.

[0048]

[0049] Hereinafter, a market-driven housing liquidity method according to one embodiment of the present invention will be described with reference to FIGS. 2 to 4.

[0050] FIG. 2 is a drawing for explaining a method for securitizing housing according to a new HSLB contract according to one embodiment of the present invention.

[0051] First, the advisory server (110) explains the housing securitization plan through home sale and leaseback (HSLB) to the homeowners who have been introduced by the advisory server itself or an affiliated company (a housing brokerage, a financial company), and then enters into an advisory contract with the homeowners who agree to the housing securitization plan (s1).

[0052] That is, it provides detailed information on how much pension a homeowner can receive based on the sale price of the house they are currently living in and their share of the house, what methods of pension payment are available (lump sum payment, monthly payment), how long the contract period can be set, and what obligations must be observed during the contract period, such as paying rent.

[0053]

[0054] When an advisory contract is concluded with a homeowner, the advisory server (110) shares the terms of the contract with the homeowner with the HSLB operator server (120), and when the HSLB operator server (120) accepts the terms of the contract, it informs the operating conditions including the terms of issuing securities and tokens, terms of payment of pension and investment funds, terms of receiving rent and paying dividends, etc. (s2).

[0055] If the HSLB operator requests coordination of either the contract terms or the operating conditions through the HSLB operator server (120), the advisory server (110) forms and operates a conversation channel between the HSLB operator and the advisor, and then adjusts either the contract terms or the operating conditions by reflecting the conditions coordinated through the conversation channel.

[0056]

[0057] When the HSLB operator decides to proceed with an HSLB contract with a contract applicant, the HSLB operator server (120) creates a contract stipulating the sale and sublease of a house based on the contract terms agreed to by the contract applicant and delivers it to the contract applicant, and the contract applicant writes the contract and provides feedback, thereby concluding an HSLB contract (s3).

[0058] Then, the status of the contract applicant changes to that of an HSLB lessee who has entered into a lease agreement with the HSLB operator, and the contract applicant is obligated to pay monthly rent to the HSLB operator according to the contract terms agreed to and to pay capital gains tax corresponding to the housing share transferred to the HSLB operator.

[0059]

[0060] The HSLB operator server (120) issues securities (income securities in the case of a trust company, equity securities in the case of an SPC) based on the HSLB contract (s4), and the advisory server (110) issues tokens mirrored or linked to the securities issued by the HSLB operator server (120) through a token issuance platform that issues tokens based on blockchain (s5). At this time, the number of tokens is determined by dividing the amount obtained by adding the token issuance fee to the housing sale price by the token issuance price.

[0061]

[0062] The HSLB operator server (120) electronically registers the securities issued through steps s4 and s5 on the deposit settlement server (140) (s6), then lists the tokens mirrored or linked to the securities on the token distribution platform, and opens an account to manage token sales amounts on the exchange server (130) (s7).

[0063]

[0064] The exchange server (130) opens and manages accounts for token investors, and through these, mediates the buying and selling (i.e., buying and selling) of tokens listed on the token distribution platform (s8).

[0065] At this time, the exchange server (130) provides token investors with an investment prospectus, which provides information on the pre-investment housing location, shares, collateral, sale price, rent, securities and token issuance terms, expected returns, and risks. Furthermore, the exchange server provides a menu for real-time monitoring of housing information changes recorded on the blockchain, rent, and other information after the investment, thereby providing comprehensive support for token investors' rational investment decisions.

[0066]

[0067] When a token sale is performed, the exchange server (130) deposits the token sale amount corresponding to the token sale result into the HSLB operator's account (s9), and simultaneously records the token sale details, etc. in real time on the deposit settlement server (140) (s9').

[0068]

[0069] Then, the HSLB operator server (120) pays the house purchase price, excluding the token issuance fee from the token sale price, to the HSLB tenant in a lump sum or annuity form every month (s10).

[0070] If a remaining unpaid amount arises at the time of pension payment, it will be invested in safe assets such as government bonds until the HSLB contract expires, thereby ensuring the stability of pension payments and increasing operating profits.

[0071]

[0072] HSLB tenants live in the house and receive the purchase price for a portion of the house as a lump sum or annuity, but pay the monthly rent stipulated in the contract terms (s11).

[0073]

[0074] The HSLB operator server (120) performs a profit settlement procedure to pay dividends to token investors by deducting the housing management costs and operating fees from the rent paid by HSLB tenants (s12), and records the dividend payment details in the deposit settlement server (140) (s12').

[0075] At this time, the rent can be paid directly to the HSLB operator, but if the HSLB operator has separately selected a housing rental management company for housing management, the rent can also be paid through the housing rental management company.

[0076]

[0077]

[0078] Meanwhile, if a token is issued as equity securities, there is no maturity date. However, if not, the securities may mature. Therefore, the present invention allows subsequent procedures to be processed in accordance with securities maturity using the method of FIG. 3 or FIG. 4.

[0079]

[0080] FIG. 3 is a drawing for explaining a method for securitizing housing by renewing an HSLB contract according to one embodiment of the present invention.

[0081] If the securities mature and the HSLB lessee wishes to extend the contract, the advisory server (110) consults with the HSLB lessee on contract changes regarding shares, collateral, pension payment method, contract period, rent, etc., and then proceeds with a renewal advisory procedure that provides contract renewal conditions reflecting the contract changes (s21).

[0082] When the HSLB tenant agrees to the contract renewal terms, the advisory server (110) shares the HSLB tenant's contract renewal terms with the HSLB operator server (120), and when the HSLB operator server (120) accepts the contract renewal terms, it informs the HSLB operator of the operating renewal terms, including the securities and token issuance terms, pension and investment payment terms, etc. (s22).

[0083]

[0084] When the HSLB operator decides to renew the HSLB contract with the HSLB tenant, the HSLB operator server (120) creates a contract stipulating the sale and re-lease of a house based on the contract renewal conditions agreed to by the HSLB tenant and delivers it to the contract applicant, and the contract applicant completes the HSLB renewal contract by writing the contract and providing feedback (s23).

[0085] The HSLB operator server (120) issues new securities based on the HSLB renewal contract (s24), issues new tokens mirrored or linked to the new securities issued by the HSLB operator server (120) through the advisory server (110) (s25), and then electronically registers the new securities on the Korea Deposit Insurance Corporation server (140) (s26).

[0086]

[0087] The HSLB operator server (120) redeems and burns existing tokens listed on the token distribution platform, but lists newly issued new tokens on the token distribution platform (s27), and then performs the transaction, pension, and dividend payment procedures based on the new tokens in the same manner as in FIG. 2 (s8 to s13').

[0088]

[0089] In this way, in the present invention, when the securities mature and the HSLB tenant wishes to extend the contract, the existing securities and tokens are repaid and burned, but a new lease agreement is made based on the current market price of the house, and new securities and new tokens are issued and listed based on a fair price, thereby enabling the housing securitization process based on this to continue to be performed.

[0090]

[0091] After electronically registering new securities and new tokens issued through steps s4 and s5 on the deposit settlement server (140) (s6), the tokens are listed on the token distribution platform, and an account for managing token sales proceeds is opened on the exchange server (130) (s7).

[0092]

[0093] FIG. 4 is a drawing for explaining a method for securitizing housing upon termination of an HSLB contract according to one embodiment of the present invention.

[0094] If an HSLB tenant wishes to dispose of the house due to reasons such as breach of contract or repurchase of the house, the advisory server (110) carries out a contract termination consulting procedure that calculates and provides information on the sale profit or loss from the house disposal (s31), and instructs the HSLB operator server (120) to carry out a contract termination procedure that provides information on the house disposal procedure and the conditions for settling the proceeds from the house disposal (s32).

[0095]

[0096] When the HSLB operator makes a final decision to terminate the HSLB contract with the HSLB tenant, the HSLB operator server (120) calculates the proceeds from the sale of the house and pays them to the token investor and the HSLB tenant respectively (s33, s34), and then records the details of the dividend payment based on the sale proceeds in the Deposit Insurance Corporation server (140) (s35).

[0097]

[0098] And after destroying the securities and repaying and burning the tokens linked to the destroyed securities (s36), the details of the securities destruction are recorded in the deposit settlement center server (140) (s37), and the HSLB lessee is finally notified of the termination of the HSLB contract (s38).

[0099]

[0100] Meanwhile, the various embodiments described above may be implemented in a recording medium readable by a computer or similar device using software, hardware, or a combination thereof.

[0101] In terms of hardware implementation, the embodiments described in the present disclosure may be implemented using at least one of Application Specific Integrated Circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), processors, controllers, micro-controllers, micro-processors, and other electrical units for performing functions.

[0102] In some cases, the embodiments described herein may be implemented within the processor itself. In a software implementation, the embodiments, such as the procedures and functions described herein, may be implemented within separate software units. Each of the aforementioned software units may perform one or more of the functions and operations described herein.

[0103] Meanwhile, computer instructions for performing processing operations in electronic devices and the like according to the various embodiments of the present disclosure described above may be stored in a non-transitory computer-readable medium. When the computer instructions stored in such a non-transitory computer-readable medium are executed by a processor of a specific device, they cause the specific device to perform the processing operations according to the various embodiments described above.

[0104] A non-transitory computer-readable medium refers to a medium that permanently stores data and can be read by a device, rather than a medium that stores data for a short period of time, such as a register, cache, or memory. Specific examples of non-transitory computer-readable media include CDs, DVDs, hard disks, Blu-ray discs, USBs, memory cards, and ROMs.

[0105] Although the preferred embodiments of the present disclosure have been illustrated and described above, the present disclosure is not limited to the specific embodiments described above, and various modifications may be made by a person having ordinary skill in the art to which the present disclosure pertains without departing from the gist of the present disclosure as claimed in the claims, and such modifications should not be understood individually from the technical idea or prospect of the present disclosure.

[0106] 110. Advisory Server

[0107] 120. HSLB (Home Sale and LeaseBack) operator server

[0108] 130. Exchange Server

[0109] 140. Deposit Insurance Corporation Server

Claims

1. The advisory stage, where the advisory server provides homeowners with information on contract terms based on the home's location, equity, collateral, and market price, and provides HSLB (Home Sale an LeaseBack) operators with information on operating conditions; A token issuance step in which, when the HSLB operator server concludes an HSLB contract with a homeowner, the HSLB operator issues securities reflecting the contract terms and operating conditions, and then issues HSLB tokens mirrored or linked to the securities through the advisory server and lists them on a token distribution platform; An annuity payment step in which the HSLB operator server settles the token sale proceeds through the token distribution platform and pays the house sale price to the homeowner in a lump sum or annuity; and A market-driven housing securitization method including a dividend payment step in which the HSLB operator server receives rent payments from homeowners, calculates dividends, and pays them to token investors.

2. In paragraph 1, the consulting step is A market-driven housing securitization method characterized by informing homeowners of the housing purchase price, monthly rent and capital gains tax, pension payment method, contract period, and obligations during the contract period based on the housing location, equity, collateral, and market value.

3. In the second paragraph, the advisory step is A market-driven housing securitization method characterized by guiding HSLB operators on the terms of contracts with homeowners, the terms of issuing securities and tokens, the terms of pension and investment payments, and the terms of receiving rent and paying dividends.

4. In paragraph 1, the HSLB operator server A market-driven housing securitization method characterized in that the above HSLB operator may be either a trust company or a special purpose company (SPC), and in the case of a trust company, it issues income securities, and in the case of an SPC, it issues equity securities.

5. In paragraph 1, the token issuance step A market-driven housing securitization method characterized by determining the number of tokens based on the value obtained by dividing the amount of the housing sale price plus the token issuance fee by the token issuance price.

6. In paragraph 1, A market-driven method for securitizing housing, characterized by including the steps of repaying and burning existing securities and tokens when the securities mature and the homeowner wishes to extend the contract, but also issuing and listing new securities and new tokens based on a fair price and a re-lease agreement based on the current market price of the house.

7. In paragraph 1, A market-driven housing securitization method characterized by further including a step of calculating the proceeds from the housing disposal and paying them to token investors and HSLB tenants, respectively, when the housing disposal process is in progress, and then destroying the securities and redeeming and burning the tokens.

8. An advisory server that performs homeowner advisory actions and HSLB operator advisory actions for the conclusion of HSLB (Home Sale and LeaseBack) contracts, and issues tokens mirrored or linked to securities; When an HSLB operator concludes an HSLB contract with a homeowner, the operator issues securities reflecting the contract terms and operating conditions, then issues HSLB tokens mirrored or linked to the securities through the advisory server, lists them on the token distribution platform, pays homeowners annuities equivalent to the token sales amount, and pays token investors dividends equivalent to the rent paid by homeowners. A market-driven housing liquidity system that includes an exchange server that mediates token transactions listed on a token distribution platform, pays token sales proceeds to the HSLB operator, and pays dividends to token investors.

Images