# US 2018/0322597 A1 · Decentralized cryptographic real estate transaction assistance system and method

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- Number: US 2018/0322597 A1
- Document ID: US20180322597A1
- Status: Published application
- Kind: A1
- Application number: 16/026,973
- Filed: 2018-07-03
- Published: 2018-11-08
- Earliest claimed: 2016-08-31
- Inventors: Robert Sher
- Web page: https://patentgrep.com/patent/US20180322597A1

## CPC

- G06Q 50/163: Real estate management
- G06Q 10/10: Office automation; Time management
- G06Q 10/40: Business processes related to social networking or social networking services
- G06Q 10/42: Determination of affinities or common interests between users
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/3821: {Electronic credentials}
- G06Q 30/0609: {Qualifying participants for shopping transactions (payment transaction verification G06Q20/401)}
- G06Q 30/0645: Rental transactions; Leasing transactions
- G06Q 40/08: Insurance
- H04L 67/02: based on web technology, e.g. hypertext transfer protocol [HTTP]
- H04L 67/1074: for supporting data block transmission mechanisms (file transfer H04L67/06)
- H04L 67/306: User profiles
- H04L 67/535: {Tracking the activity of the user (network monitoring arrangements H04L43/00; recording of computer activity G06F11/34)}
- H04L 67/562: Brokering proxy services
- 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
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A decentralized cryptographic real estate transaction assistance system and method is provided to facilitate matching, engaging, contracting, and communicating between parties to a real estate and/or property rental transaction by a network-leveraged system. The decentralized cryptographic real estate transaction assistance system and method may include a property rental and real estate transaction assistance platform, database, platform components, renter component, matching component, communication component, broker-assisted component, landlord direct component, landlord management component, vendor portal, lead marketplace component, guaranteed rental income protection, renter profile validation aspect, and tenant exchange. A method for facilitating matching, engaging, contracting, and communicating between parties to a real estate and/or property rental transaction by a network-leveraged system using the decentralized cryptographic real estate transaction assistance system and method is also provided.

## Claims

### Claim 1

A system for assisting a transaction comprising:
a database accessible via a network to store and communicate data relating to a transactional relationship and rules applied to the transactional relationship, the database being decentralized;
platform components communicably connected to the database to analyze and manipulate the data, the platform components comprising:
a renter component to manage a renter profile comprising renter information and analyze at least part of the renter profile to derive a renter score for association with a renter, the renter score being includable by the renter profile, and the renter profile being included by the database,
a renter profile validation aspect to validate at least part of the renter information, the renter information determined not to be valid being selectively excluded from the renter profile,
a matching component to compare at least part of the renter profile and information indicative of renter behavior to the rules to determine whether a likelihood of compatibility with a landlord requirement relative to a real property unit meets a matching threshold, and matching the renter and a landlord meeting the matching threshold,
a token exchange aspect to coordinate sharing of at least part of the renter profile at least partially identifying the renter with the landlord, the renter granting access to an authorization token for the landlord of the real property unit for consideration for the transactional relationship, and wherein the authorization token is revocable, and
a communication component to facilitate interactions and organize the interactions, the interactions being recordable to the database; and
an interface accessible to interact with the data and at least one of the platform components;
wherein at least part of the data is analyzed to predict a behavior associated with the transactional relationship and/or parties to the transactional relationship.

### Claim 2 (depends on 1)

The system of claim 1, wherein the platform components are at least partially operable as a decentralized autonomous organization.

### Claim 3 (depends on 1)

The system of claim 1, further comprising:
a smart contract component to define at least part of the rules and execute an action of a smart contract upon compliance with a condition of the rules; and
wherein the rules comprise determining the likelihood of compatibility between the parties to the transactional relationship.

### Claim 4 (depends on 3)

The system of claim 3, further comprising:
a broker-assisted component to assist an agent with the transactional relationship comprising:
an agent-renter CRM aspect to at least partially automate tasks related to the transactional relationship using the smart contract, and
a renter qualification aspect that works with the matching component to substantially identify the renter with the likelihood of compatibility with the landlord for the real property unit in consideration for the transactional relationship.

### Claim 5 (depends on 1)

The system of claim 1, wherein the database is at least partially provided as a distributed ledger, and wherein the data added to the database is added to the distributed ledger.

### Claim 6 (depends on 1)

The system of claim 1, further comprising:
a guaranteed rental income protection to assure financial stability in the transactional relationship;
wherein the rules comprise a threshold of eligibility for the guaranteed rental income protection;
wherein the guaranteed rental income protection is selectively offered for the transactional relationship that meets the threshold of eligibility; and
wherein the guaranteed rental income protection is marketable as a financial instrument.

### Claim 7 (depends on 1)

The system of claim 1, wherein the database is provided as a blockchain to store the data, wherein the data being added or manipulated is added as at least part of a block to the blockchain, and wherein historical transactions associated with the data is accessible from the blockchain.

### Claim 8 (depends on 7)

The system of claim 7, further comprising:
a guaranteed rental income protection to assure financial stability in the transactional relationship;
wherein the rules comprise a threshold of eligibility for the guaranteed rental income protection;
wherein the guaranteed rental income protection is selectively offered for the transactional relationship that meets the threshold of eligibility;
wherein the guaranteed rental income protection is reflective of at least part of the data stored in the blockchain; and
wherein the guaranteed rental income protection is stored in the blockchain.

### Claim 9 (depends on 1)

The system of claim 1, wherein the platform components further comprise a landlord direct component comprising:
a renter search aspect to locate the renter prospective to engage in the transactional relationship, the renter being filterable by the renter score;
wherein the landlord direct component communicates with the matching component to connect the renter having the likelihood of compatibility that is acceptable with the landlord; and
wherein the information relating to the renter having the likelihood of compatibility that is acceptable with the landlord is storable in the database.

### Claim 10 (depends on 9)

The system of claim 9, wherein the landlord direct component further comprises:
a record keeping aspect to log at least part of the interactions between the parties, the at least part of the interactions being storable in the database; and
a renter community aspect to facilitate the interaction between at least the renter, additional renters, and the landlord, the interactions being storable in the database.

### Claim 11 (depends on 1)

The system of claim 1, wherein the platform components further comprise a landlord management component comprising:
a landlord financial aspect to receive payments from the renter; and
a maintenance request aspect to receive a maintenance request for the real property unit;
a landlord-vendor management aspect to request service from a vendor, manage costs to the vendor, and log the interactions with the vendor; and
a tenant exchange to transact rights to a tenant of the transactional relationship.

### Claim 12

A system for assisting a transaction comprising:
a database decentralized among a distributed ledger and accessible via a network to store and communicate data relating to a transactional relationship and rules applied to the transactional relationship;
platform components at least partially operable as a decentralized autonomous organization communicably connected to the database to analyze and manipulate the data, the platform components comprising:
a renter component to manage a renter profile comprising renter information and analyze at least part of the renter profile to derive a renter score for association with a renter, the renter score being includable by the renter profile, and the renter profile being included by the database,
a matching component to compare at least part of the renter profile and information indicative of renter behavior to the rules to determine whether a likelihood of compatibility with a landlord requirement relative to a real property unit meets a matching threshold, and matching the renter and a landlord for which the matching threshold is met,
a token exchange aspect to coordinate sharing of at least part of the renter profile at least partially identifying the renter with the landlord, the renter granting access to an authorization token for the landlord of the real property unit for consideration for the transactional relationship, and wherein the authorization token is revocable,
a smart contract component to define at least part of the rules and execute an action of a smart contract upon compliance with a condition of the rules, and
a communication component to facilitate interactions and organize the interactions, the interactions being recordable to the database; and
wherein at least part of the data is analyzed to predict a behavior associated with the transactional relationship and/or a party to the transactional relationship.

### Claim 13 (depends on 12)

The system of claim 12, further comprising:
a renter profile validation aspect to validate at least part of the renter information included by the renter profile, the renter information determined not to be valid being selectively excluded from the renter profile; and
an interface accessible to interact with the data and at least one of the platform components.

### Claim 14 (depends on 12)

The system of claim 12, further comprising:
a broker-assisted component to assist an agent with the transactional relationship comprising:
an agent-renter CRM aspect to at least partially automate tasks related to the transactional relationship using the smart contract, and
a renter qualification aspect that works with the matching component to substantially identify the renter with the likelihood of compatibility for the landlord for the real property unit in consideration for the transactional relationship.

### Claim 15 (depends on 12)

The system of claim 12, further comprising:
a guaranteed rental income protection to assure financial stability in the transactional relationship;
wherein the rules comprise a threshold of eligibility for the guaranteed rental income protection;
wherein the guaranteed rental income protection is selectively offered for the transactional relationship that meets the threshold of eligibility;
wherein the guaranteed rental income protection is reflective of at least part of the data stored in the distributed ledger; and
wherein the guaranteed rental income protection is stored in the distributed ledger.

### Claim 16 (depends on 12)

The system of claim 12, wherein the distributed ledger is provided as a blockchain to store the data, wherein the data being added or manipulated is added as a block to the blockchain, and wherein historical transactions associated with the data is accessible from the blockchain.

### Claim 17 (depends on 12)

The system of claim 12, wherein the platform components further comprise:
a landlord direct component comprising:
a renter search aspect to locate the renter prospective to engage in the transactional relationship,
a record keeping aspect to log at least part of communications between parties, the at least part of the communications being storable in the database,
a renter community aspect to facilitate the interaction between at least the renter, additional renters, and the landlord, the interactions being storable in the database, and
wherein the landlord direct component communicates with the matching component to connect the renter having an acceptable likelihood of compatibility with the landlord, the information relating to the renter having the acceptable likelihood of compatibility being storable in the database; and
a landlord management component comprising:
a landlord financial aspect to receive payments from the renter,
a maintenance request aspect to receive a maintenance request for the real property unit,
a landlord-vendor management aspect to request service from a vendor, manage costs to the vendor, and log the interactions with the vendor, and
a tenant exchange to transact rights to a tenant of the transactional relationship.

### Claim 18

A method of facilitating a transaction via a cryptographic system comprising:
(a) communicating data and rules stored in a database decentralized among a distributed ledger and accessible via a network by platform components, the data relating to a transactional relationship, and the rules being at least for determining a likelihood of compatibility between parties to the transactional relationship;
(b) managing a renter profile comprising renter information by a renter component and analyzing at least part of the renter profile to derive a renter score for association with the renter, the renter score being includable by the renter profile, and the renter profile being includable by the database;
(c) comparing at least part of the renter profile and information indicative of renter behavior to the rules by a matching component to determine whether the likelihood of compatibility with a landlord requirement relative to a real property unit meets a matching threshold;
(d) matching the parties for which the matching threshold is met; and
(e) selectively assuring financial stability in the transactional relationship via a guaranteed rental income protection;
wherein the rules comprise a threshold of eligibility for the guaranteed rental income protection;
wherein the guaranteed rental income protection is selectively offered for the transactional relationship that meets the threshold of eligibility;
wherein the system comprises a token exchange aspect to coordinate sharing of at least part of the renter profile at least partially identifying the renter with the landlord, the renter granting access to an authorization token for the landlord of the real property unit for consideration for the transactional relationship, and wherein the authorization token is revocable; and
wherein the system comprises an interface accessible to interact with the data and at least one of the platform components.

### Claim 19 (depends on 18)

The method of claim 18, further comprising:
(f) assisting an agent with the transactional relationship by a broker-assisted component, further comprising:
(i) at least partially automating tasks related to the transactional relationship using a smart contract,
(ii) operating with the matching component to substantially identify the renter with the likelihood of compatibility for the landlord with the real property unit in consideration for the transactional relationship, and
(iii) coordinating sharing of at least part of the renter profile from the renter to the landlord via the token exchange aspect.

### Claim 20 (depends on 18)

The method of claim 18, further comprising:
(g) assisting the landlord with the transactional relationship by a landlord direct component comprising:
(i) locating the renter prospective to engage in the transactional relationship relative to the real property unit, the renter being filterable by the renter score,
(ii) communicating with the matching component to connect the renter having an acceptable likelihood of compatibility with the landlord, and
(iii) coordinating sharing of at least part of the renter profile from the renter to the landlord via the token exchange aspect; and
wherein the system comprises a landlord management component comprising:
a landlord financial aspect to receive payments from the renter, and
a maintenance request aspect to receive a maintenance request for the real property unit.