Processing apparatus, processing method, and processing program

Abstract

To make it possible to make investments easily.SOLUTION: A server apparatus 10 comprises: an item sale determination unit 135 that predicts the market price of an item registered by a user and determines the timing of selling the item registered by the user; an item sale processing unit 138 that performs processing to sell the item registered by the user to an item purchasing business based on the determination result of the item sale determination unit 135; and an investment processing unit 139 that makes investment decisions and purchases and / or sells financial products using profits from sales.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to a processing device, a processing method, and a processing program. [Background technology]

[0002] In order to stabilize the economy and people's lives, the Financial Services Agency encourages people to build assets through investment. The agency is implementing various initiatives to encourage people to start investing. [Prior art documents] [Non-patent literature]

[0003] [Non-Patent Document 1] Financial Services Agency, "What is NISA?" [Retrieved October 16, 2023], Internet<URL:https: / / www.fsa.go.jp / policy / nisa2 / about / index.html> Summary of the Invention [Problem to be solved by the invention]

[0004] Many people say they are afraid of losing money, don't really understand how to invest, don't know what to invest in, or can't even prepare the investment funds. For this reason, the hurdles to starting investing in Japan are still high, and investment has not become widespread compared to Europe and the United States.

[0005] The present invention has been made in view of the above, and has an object to provide a processing device, a processing method, and a processing program that allow investment to be made easily. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the objectives, the processing device of the present invention is characterized by having a judgment unit that predicts the trading price of an item registered to a user and determines the timing of selling the item registered to the user, a sales processing unit that processes the sale of the item registered to the user to an item purchasing business based on the judgment result of the judgment unit, and an investment processing unit that makes investment decisions and uses profits from the sale to purchase and / or sell financial products. [Effects of the Invention]

[0007] According to the present invention, investment can be made easily. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of a processing system according to an embodiment. [Figure 2] FIG. 2 is a block diagram showing an example of the configuration of the user terminal shown in FIG. [Figure 3] FIG. 3 is a block diagram illustrating an example of the configuration of the server device illustrated in FIG. [Figure 4] FIG. 4 is a diagram illustrating an example of a data configuration of the user information illustrated in FIG. [Figure 5] FIG. 5 is a diagram showing an example of the data configuration of the product information shown in FIG. [Figure 6] FIG. 6 is a diagram showing an example of the data configuration of the product sale conditions shown in FIG. [Figure 7] FIG. 7 is a diagram showing an example of the data configuration of the investment conditions shown in FIG. [Figure 8] FIG. 8 is a diagram showing an example of a screen of a user terminal. [Figure 9] FIG. 9 is a diagram showing an example of a screen of a user terminal. [Figure 10] FIG. 10 is a sequence diagram illustrating a registration process according to the embodiment. [Figure 11] FIG. 11 is a sequence diagram showing the procedure of the goods buying and selling process according to the embodiment. [Figure 12] FIG. 12 is a sequence diagram illustrating a processing procedure of the operation processing according to the embodiment. [Figure 13] FIG. 13 is a diagram illustrating an example of a computer that implements a server device by executing a program. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to this embodiment. In addition, in the description of the drawings, the same parts are designated by the same reference numerals.

[0010] [Embodiment Mode] In this embodiment, a system is proposed that automatically invests and manages profits from the sale of unwanted items. In this way, according to this embodiment, instead of owning "cash," "unwanted items" are converted into investment funds, which are automatically used for investment and managed. Therefore, even if a user cannot prepare investment funds, does not know how to invest, or does not know what to invest in, the user can easily invest. In this way, according to this embodiment, the barrier to investment for users can be lowered.

[0011] [Processing System] FIG. 1 is a block diagram showing an example of the configuration of a processing system according to an embodiment.

[0012] 1, a processing system 1 according to an embodiment includes a server device 10 (processing device) and a user terminal 20. The server device 10 is owned by a business operator that provides a purchase and management service.

[0013] The server device 10 is capable of communicating with a product purchasing server 30 of a product purchasing agent and a financial product trading server 40 of a securities company. The server device 10 may be connected to the product purchasing servers 30 of multiple product purchasing agents and the financial product trading servers 40 of multiple securities companies. The configuration shown in Fig. 1 is merely an example, and the specific configuration and the number of devices are not particularly limited.

[0014] The user terminal 20 is a smart device such as a smartphone or tablet used by a user who uses the purchase management service, and is a mobile terminal device that can communicate with the server device 10 via a wireless communication network. The user terminal 20 may also be a processing device such as a notebook PC.

[0015] A purchase management application provided by a purchase management service provider is installed on the user terminal 20. The user terminal 20 registers items owned by the user, registers buying and selling conditions, and registers investment conditions via the purchase management application, and transmits the various registered information to the server device 10. The user terminal 20 receives recommendation information, item sales reports, and financial product management statuses transmitted from the server device 10 via the purchase management application, and outputs the received information by image display and audio.

[0016] The server device 10 predicts the market price of the item registered by the user and performs processing to sell the item at the timing of selling the item registered by the user. The server device 10 makes investment decisions and uses profits from selling the item to purchase and / or sell financial products. If the user requests confirmation before selling, the server device 10 recommends the timing of selling the item to the user terminal 20 via a purchase management application.

[0017] In addition, the server device 10 sets investment objectives for the user terminal 20 based on the user's attributes and family composition via the purchase management application, transmits the investment objectives to the user terminal 20, and automatically purchases and / or sells financial products based on these investment objectives.

[0018] [User device] Fig. 2 is a block diagram showing an example of the configuration of the user terminal 20 shown in Fig. 1. The user terminal 20 includes a communication unit 21, a storage unit 22, a control unit 23, an input / output unit 24, and an imaging unit 25.

[0019] The communication unit 21 controls communications related to various information. For example, the communication unit 21 controls communications with the server device 10. The communication unit 21 transmits information indicating the items owned by the user, sales conditions, and investment conditions registered by the user to the server device 10. The communication unit 21 receives information indicating the investment objective, recommendation information, item sales reports, and investment management reports transmitted from the server device 10.

[0020] The input / output unit 24 outputs various information and receives input from the user. The input / output unit 24 includes, for example, an LCD screen, a touch panel, a speaker, a microphone, etc. The input / output unit 24 outputs, on the purchase management application, a registration screen for registering items owned by the user, sales conditions, and investment conditions, as well as a screen displaying investment objectives, recommendation information, item sales reports, and investment management reports.

[0021] The imaging unit 25 generates an image by processing a photoelectric conversion element such as a CCD or CMOS and a photoelectric conversion signal output from the imaging element. The imaging unit 25 acquires a two-dimensional image in three colors, for example, R (red), G (green), and B (blue). The imaging unit 25 acquires an image of the item to be registered on the purchase management application.

[0022] The storage unit 22 stores data and programs necessary for various processes by the control unit 23. For example, the storage unit 22 is a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 22 has user information 221, item information 222, item sales conditions 223, item sales history 224, and operation information 225.

[0023] The user information 221 is information including the gender, age, and family structure of the user who uses the user terminal 20, and is set by the user on the purchase operation application and also acquired when linked with other applications.

[0024] The item information 222 includes the name, condition, and product information of the item owned by the user. The item information 222 is information that the user modifies by the user based on information acquired by image recognition when registering a photo of the daily necessities owned by the user on the purchase management application. The item information 222 is automatically added by reading the two-dimensional code of a book or game software on the purchase management application.

[0025] The item sale conditions 223 are the sale conditions for items owned by the user, set by the user. The item sale conditions 223 are set, for example, by the user registering the minimum transaction price, transaction medium (BtoC, CtoC), shipping fee, trading target, and whether prior approval is required for each item on the item registration screen of the purchase operation application. The sale conditions can also be registered so that the item is automatically sold at a preset value (such as a 10% profit).

[0026] The product sales history 224 is information indicating the sales history of products registered for the user. The product sales history 224 is displayed, for example, in a table format on the screen of the purchase management application.

[0027] The management information 225 is information that indicates the name, purchase price, sale price, management history, etc. of the financial product managed by the server device 10. The management information 225 is displayed in the form of a table, graph, etc. on the screen of the purchase management application.

[0028] The control unit 23 has an internal memory for storing programs that define various processing procedures and required data, and executes various processes using these. Here, the control unit 23 is an electronic circuit such as a CPU (Central Processing Unit) or MPU (Micro Processing Unit), or an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or FPGA (Field Programmable Gate Array).

[0029] The control unit 23 has a user information registration unit 231, an item registration unit 232, an item selling condition registration unit 233, an investment condition registration unit 234, an investment objective acquisition unit 235, a recommendation output control unit 236, and a history display control unit 237. Each of these functional units executes each process under the control of the purchase management application.

[0030] The user information registration unit 231 acquires user attributes and family information by, for example, inputting user information by the user into a registration screen of the purchase management application. The user information registration unit 231 registers the acquired user attributes, family information, and kinship structure as user information 221 in the storage unit 22 and transmits it to the server device 10.

[0031] The item registration unit 232 acquires information about items owned by the user, registers the information in the storage unit 22 as item information 222, and transmits the information to the server device 10. For example, the item registration unit 232 acquires and registers the product name and specifications of the item by image recognition based on an image of the item captured by the imaging unit 25. The item information may be modified by the user. The item registration unit 232 may also acquire product information by reading barcodes on books or game software. The item registration unit 232 may also automatically register items purchased by the user (excluding consumables) as tradable assets in the purchase management application by linking the user's shopping account with the purchase management application, for example.

[0032] The item sales conditions registration unit 233 accepts the registration of the sales conditions for an item when the user registers the item. The sales conditions include the minimum transaction price, transaction medium (BtoC, CtoC), shipping fee, target of sale, and whether prior approval is required for each item. The item registration unit 232 registers the sales conditions registered by the user as item sales conditions 223 in the storage unit 22 and transmits them to the server device 10.

[0033] The investment conditions are registered in the investment condition registration unit 234 by the user inputting the investment conditions into the investment condition registration screen of the purchase management application. The investment condition registration unit 234 transmits the investment conditions registered by the user to the server device 10. The investment conditions include whether bonds can be purchased, whether financial products from emerging countries can be purchased, brands that are not eligible for investment, whether investment trusts can be purchased, and the monthly limit.

[0034] The investment objective acquisition unit 235 acquires the user's investment objective set by the server device 10 and displays it on the screen of the purchase management application.

[0035] The recommendation output control unit 236 outputs recommendation information recommending the timing of selling an item, which is transmitted from the server device 10, for example, on the screen of the purchase operation application or by a push notification. Note that the recommendation information is not transmitted from the server device 10 unless the user requests confirmation before the sale.

[0036] When a display request is received from the user, the history display control unit 237 displays the sales history of the product and the management status of the financial product on the screen of the purchase management application.

[0037] For example, by linking an application for purchasing goods with a financial product management application on a purchasing management application, it becomes possible to execute product sales and financial product management in a linked manner.

[0038] [Server device] Next, the server device 10 shown in Fig. 1 will be described. Fig. 3 is a block diagram showing an example of the configuration of the server device 10 shown in Fig. 1. As shown in Fig. 3, the server device 10 has, for example, a communication unit 11, a storage unit 12, and a control unit 13. Note that input devices such as a mouse and a keyboard, and output devices such as a display and a speaker may be connected to the server device 10.

[0039] The communication unit 11 controls communications related to various types of information. For example, the communication unit 11 controls communications between the user terminal 20, the goods buying and selling server 30, and the financial product buying and selling server 40. For example, the communication unit 11 receives various types of registration information from the user terminal 20 and outputs it to the control unit 13. The communication unit 11 communicates with the goods buying and selling server 30, and transmits and receives information related to the sale processing of goods. The communication unit 11 also communicates with the financial product buying and selling server 40, and transmits and receives information related to the buying and selling of financial products.

[0040] The storage unit 12 stores data and programs necessary for various processes by the control unit 13. For example, the storage unit 12 may be a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. For example, the storage unit 12 has user information 121, product information 122, product sales conditions 123, investment conditions 124, product sales history information 125, and management information 126.

[0041] The user information 121 includes various information about each user who uses the purchase management service. Fig. 4 is a diagram showing an example of the data configuration of the user information 121 shown in Fig. 3. As shown in Fig. 4, the user information 121 includes items such as the user's identification information, gender, age, and family composition. Information on these items is registered by the user, for example, when the purchase management application is downloaded to the user terminal 20.

[0042] For example, the user information 121 registers the gender "female," age "30s," and family structure "husband, child (4 years old)" for user "U1." The user information 121 registers the gender "female," age "60s," and family structure "husband, daughter, daughter's spouse, grandchild (4 years old)" for user "U2."

[0043] The item information 122 includes various information about items owned by each user who uses the purchase and management service. Fig. 5 is a diagram showing an example of the data configuration of the item information 122 shown in Fig. 3. As shown in Fig. 5, the item information 122 has items such as user identification information, item name, item condition, and item product information. Information on these items is registered based on, for example, image recognition of the item by the user terminal 20 and reading of a two-dimensional code on the item.

[0044] For example, in the product information 122, a "game console" that is "operational" is registered as a product owned by a user "U1" along with product information of "product A, black, 2TB."

[0045] The item sales conditions 123 include various information related to the item sales conditions set by each user who uses the purchase and management service. Fig. 6 is a diagram showing an example of the data configuration of the item sales conditions 123 shown in Fig. 3. As shown in Fig. 6, the item sales conditions 123 include items such as user identification information, item name, minimum transaction price, transaction medium (BtoC, CtoC), shipping fee, item to be purchased and sold, and whether prior approval is required for the sale of the item. Information on these items is set for each item, for example, by the user operating the user terminal 20 via the purchase and management application.

[0046] For example, in the item sales conditions 123, for a "game console" owned by user "U1," the minimum transaction price is "X" yen, the transaction medium is "CtoC," the shipping fee is "x" yen, the target of the sale is "individual," and prior approval is "not required."

[0047] The investment conditions 124 include various information related to the investment conditions of each user who uses the purchase management service. The investment conditions 124 correspond to the user's identification information, whether or not they can purchase bonds, whether or not they can purchase financial products from emerging countries, brands that are not suitable for investment, whether or not they can purchase investment trusts, monthly investment amounts, etc.

[0048] FIG. 7 is a diagram showing an example of the data configuration of the investment conditions 124 shown in FIG. 3. As shown in FIG. 7, the investment conditions 124 have items such as user identification information, investment conditions, and investment objectives. The investment conditions are investment conditions transmitted by the user from the user terminal 20. The investment objective is the investment objective of each user set by the investment objective setting unit 136 (described below).

[0049] The product sales history information 125 is a sales history of products owned by each user who uses the purchase and management service. For example, the user's identification information, information on the product owned by the user, the sale date, the transaction medium, the buyer, the transaction price, and the profit are associated with each other.

[0050] The management information 126 is information relating to the management status of financial products held by each user who uses the purchase management service. For example, the management information 126 associates the purchase price, number of holdings, current value, profit / loss, and change in profit / loss from the previous day of the financial products held by each user with each user.

[0051] The control unit 13 has an internal memory for storing programs that define various processing procedures and necessary data, and executes various processes using these. Here, the control unit 13 may be, for example, an electronic circuit such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit), or an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0052] The control unit 13 has a user information acquisition unit 131, an item information acquisition unit 132, an item sales condition acquisition unit 133, an investment condition acquisition unit 134, an item sales determination unit 135 (determination unit), an investment objective setting unit 136, a recommendation unit 137, an item sales processing unit 138 (sales processing unit), and an operation processing unit 139.

[0053] The user information acquisition unit 131 registers the user information transmitted from the user terminal 20 of the user who uses the purchase management service in the user information 221 in association with the user's identification information.

[0054] The product information acquisition unit 132 registers the product information transmitted from the user terminal 20 of the user who uses the purchase management service in the product information 122 in association with the user's identification information.

[0055] The item selling conditions acquisition unit 133 registers the item selling conditions transmitted from the user terminal 20 of the user who uses the purchase management service in the item selling conditions 123 in association with the user's identification information and item information.

[0056] The investment condition acquisition unit 134 registers the investment conditions transmitted from the user terminal 20 of the user who uses the purchase management service in the investment conditions 124 in association with the user's identification information.

[0057] The product sale determination unit 135 predicts the market price of the product registered to the user and determines the timing of selling the product registered to the user. The product sale determination unit 135 determines the timing of selling each product for each CtoC and BtoC channel based on, for example, the market price of the product for a predetermined period in the past (for example, the past five years) and the predicted market price.

[0058] The item sale determination unit 135 determines items to be sold from among the items registered by the user based on the user's age, family structure, and / or kinship structure, and determines the timing to sell the items to be sold.

[0059] For example, in the case of user "U1," the item sale determination unit 135 determines that the child has turned four years old and no longer needs a stroller or baby products, and determines that the "stroller" is an item to be sold among the items registered by user "U1." Then, the item sale determination unit 135 determines the timing to sell the stroller based on the buying and selling market price of strollers over the past year and a forecast of the trading market price.

[0060] The investment objective setting unit 136 sets an investment objective based on the user's attributes and family structure. Then, the investment objective setting unit 136 transmits information indicating the set investment objective to the user terminal 20 of the user who set the investment objective. At this time, the user terminal 20 outputs the received investment objective information on the screen of the purchase management application or by push notification, etc.

[0061] For example, in the case of user "U1," the investment objective setting unit 136 sets the objective to be to prepare educational funds for the child (age 4) (e.g., costs for admission fees, uniforms, and elementary school backpacks) through investment rather than through education insurance (see Figure 7).

[0062] In the case of user "U2," the investment objective setting unit 136 sets the objective to be to prepare for the birthday celebration of his grandchild (age 4) (25,000 yen each year) through investment. In the case of user "U3," the investment objective setting unit 136 sets the objective to be to prepare for the user's own monthly lunch (20,000 yen per month) through investment. In this way, the investment objective setting unit 136 sets the investment objective in accordance with the user's life plan based on the user's attributes and family structure.

[0063] When the item sale determination unit 135 determines that it is time to sell an item registered with a user, the recommendation unit 137 transmits recommendation information indicating that it is time to sell the item registered with the user to the user terminal 20 used by the user.

[0064] The recommendation unit 137 transmits recommendation information for users and items for which prior approval is required for the sale of the item. For example, the recommendation unit 137 transmits recommendation information to the user terminal 20, which recommends the likelihood of selling the item in percentages for each CtoC and BtoC channel based on the buying and selling market price over the past five years and market forecasts for a "necklace" registered by user "U2." The user terminal 20 outputs the item determined to be sold and the timing of selling on the screen of the purchase operation application, by push notification, or the like.

[0065] Based on the judgment result of the item sale judgment unit 135, the item sale processing unit 138 communicates with the item purchase server 30 of the item purchase business and performs processing to sell the item registered by the user to the item purchase business.

[0066] The item sale processing unit 138 automatically sells items registered to a user for which prior approval for the sale of the item is not required, based on the item sale conditions set by the user and the timing of the sale determined by the item sale determination unit 135.

[0067] For a user and item for which prior approval for the sale of the item is required, when permission to sell the item indicated in the recommendation information is received from the user terminal 20 in accordance with the recommendation information sent by the recommendation unit 137, the item sale processing unit 138 performs processing to sell the item. The item is sent by the user who is the seller. The item sale processing unit 138 transfers the sale proceeds of the item, minus a fee, to the user's account, etc. However, the sale proceeds may be used directly for investment management, or a certain amount of the sale proceeds may be used for investment management.

[0068] The investment processing unit 139 makes an investment decision and uses the profit from the sale of the item to automatically purchase financial products in accordance with the investment conditions registered by the user who sold the item. The investment processing unit 139 also automatically sells financial products in accordance with the investment conditions registered by the user. The investment processing unit 139 sets an investment plan based on the user's investment objective set by the investment objective setting unit 136, and automatically purchases and / or sells financial products. The investment processing unit 139 may also refer to the item information 122 and automatically select investment destinations and investment methods based on the trends of the items held by each user.

[0069] 8 and 9, the processing of the server device 10 and information transmitted from the server device 10 to the user terminal 20 will be described. The server device 10 transmits to the user terminal 20 the items to be sold and the timing of their sale determined by the item sale determination unit 135, the investment objective set by the investment objective setting unit 136, and recommendation information by the recommendation unit 137.

[0070] [Example of notification] A specific description will be given of the push notification that notifies the recommendation information and the timing of selling from the server device 10. FIGS. 8 and 9 are diagrams showing examples of the screen of the user terminal 20.

[0071] By receiving the recommendation information from the server device 10, the recommendation information N1 is output from the icon E1 of the purchasing operation application on the screen of the user terminal 20-U1 (FIG. 8) used by the user "U1."

[0072] The recommendation information N1 includes the item to be sold and the investment purpose determined by the item sale determination unit 135. Specifically, the recommendation information N1 indicates, "Sell your stroller, baby products, etc. and use the money to cover the cost of elementary school uniforms and school bags! *Prepare for education expenses through investments instead of education insurance!"

[0073] In this way, the server device 10 selects items to sell according to the user's family structure, age, etc., notifies the user of the timing to sell the items, and automatically sets the user's investment objectives. Therefore, by recognizing the recommendation information N1, the user does not have to consider the selection of items to sell, the timing to sell, or the investment objectives, and can proceed with investments in line with their individual goals based on the history of items sold.

[0074] As described above, the server device 10 sets investment objectives for each user in accordance with the user's life plan, allowing each user to start and continue investing according to the investment objectives that suit them. In other words, rather than investing to increase their money, users can invest in accordance with their own objectives, thereby increasing their motivation to buy and sell unwanted items and maintaining their motivation to continue investing.

[0075] In addition, by receiving recommendation information from the server device 10 recommending the timing to sell an item, recommendation information N2 is output from the icon E1 of the purchasing operation application on the screen of the user terminal 20-U2 (Figure 9) used by user "U2".

[0076] The recommendation information N2 includes the item to be sold as determined by the item sales determination unit 135 and the reason for the timing of the sale. Specifically, the recommendation information N2 indicates, "It's time to sell your diamond jewelry. *Its price is in the top 10% for the past five years. Market forecasts show a downward trend in prices, so the probability of it being a good time to sell is 80%." Like this recommendation information, the server device 10 recommends the probability of it being a good time to sell, for example, for a user who wants to sell diamond jewelry, in percentages based on the buying and selling market price over the past five years and the market forecast, to support the user when hesitating to sell the item.

[0077] In this way, the server device 10 accurately recommends the best time to sell an item to the user. This recommendation information can provide an opportunity to buy or sell even when the decision to sell is difficult. In other words, since it is difficult for the average user to know the market prices of various items, the server device 10 provides ample information to support the timing of selling in order to reliably increase investment capital. This increases the frequency with which users access the purchase management application, allowing them to actively advance their investments.

[0078] Furthermore, based on the determination result by the item sales determination unit 135, if there are any items owned by the user that are not included in the items for sale but can be sold at a relatively high price, the server device 10 may notify the user terminal 20 by a push notification or the like.

[0079] For example, the server device 10 causes the user terminal 20 to output a push notification regarding item A stating, "If you sell this item A and use the proceeds from the sale, how much investment return can you expect in the future? This is why we have decided to sell."

[0080] Furthermore, the server device 10 causes the user terminal 20 to output a push notification regarding the item B, stating that "it is expected that the value of the item as a physical object will increase by owning it, so it is 'decided to keep it.'" Furthermore, in the server device 10, the item sale determination unit 135 automatically determines whether the item is one that the user will continue to use in the future by registering the user's age and life events.

[0081] [Registration process] Next, the registration process of the processing method according to the embodiment will be described below. Fig. 10 is a sequence diagram showing the procedure of the registration process according to the embodiment.

[0082] 10, first, user information, items owned by the user, purchase and sale conditions for the items, and investment conditions are registered by user operation on the user terminal 20 (steps S1, S3, S5, and S7). The registered user information, item information, purchase and sale conditions for the items, and investment conditions are transmitted from the user terminal 20 to the server device 10, respectively (steps S2, S4, S6, and S8).

[0083] In the server device 10, the item sale determination unit 135 determines items to be sold from among the items registered by the user based on the user's age, family structure, and / or kinship structure (step S9). If the item determined to be a sale item requires prior approval for sale, the item sale determination unit 135 transmits information indicating the item determined to be a sale item to the user terminal 20 (step S10).

[0084] In the server device 10, the investment objective setting unit 136 sets an investment objective based on the user's attributes and family structure (step S11), and transmits information indicating the investment objective to the user terminal 20 (step S12).

[0085] [Sale Processing] Next, the registration process of the processing method according to the embodiment will be described. Fig. 11 is a sequence diagram showing the processing procedure of the goods buying and selling process according to the embodiment.

[0086] 11, in the server device 10, the item sale determination unit 135 predicts the market price of the item to be sold and determines whether it is the right time to sell the item to be sold (step S21). If it is not the right time to sell the item to be sold (step S21: No), the server device 10 returns to step S21.

[0087] If it is time to sell the item to be sold (step S21: Yes), and the item determined to be for sale is an item that requires prior approval for sale, information recommending the sale, indicating the item determined to be for sale and the timing of sale, is sent to the user terminal 20 (step S22).

[0088] When the server device 10 receives permission to sell the item indicated in the recommendation information from the user terminal 20 (step S23), it performs a process to sell the item by communicating with the item buying server 30 (step S24). Note that if prior approval of the sale is not required, the server device 10 omits steps S22 and S23. Then, the server device 10 transmits a sale report of the item to the user terminal 20 (step S25).

[0089] [Operational Processing] Next, the operational processing of the processing method according to the embodiment will be described below. Fig. 12 is a sequence diagram showing the processing procedure of the operational processing according to the embodiment.

[0090] 12, in the server device 10, the management processing unit 139 makes an investment decision and determines whether it is the right time to buy or sell financial products (step S31). If it is not the right time to buy or sell financial products (step S31: No), the server device 10 returns to step S31.

[0091] If it is time to buy or sell financial products (step S31: Yes), the server device 10 uses the profit from the sale of the product to automatically purchase or sell financial products according to the investment conditions registered by the user who sold the product (step S32).Then, the server device 10 transmits the investment history to the user terminal 20 (step S33).

[0092] Note that steps S21 to S25 and steps S31 to S33 may be performed in parallel.

[0093] [Effects of the embodiment] In this way, the server device 10 according to the embodiment predicts the market price of the items registered by the user, determines the timing of selling the items registered by the user, and based on the results of this determination, processes the items registered by the user to a goods purchasing business, and also makes investment decisions and uses the profits from the sale of the items to purchase and / or sell financial products.

[0094] Therefore, according to the server device 10, a user can simply register the conditions for selling the items he owns and the conditions for managing financial products, and can easily make investments using the profits from the sale of the items without having to go through complicated procedures related to sales or the management of financial products.

[0095] In other words, it appears to the user that unwanted items are being directly exchanged for financial products. Since unwanted items are sold and converted into money, and this money is used as the starting capital, there is no need to prepare investment funds. Furthermore, since the server device 10 automatically manages the funds using the profits from the sale of items, the user does not need to decide which securities company to invest in, how much to invest in, and when and how much of which financial products to sell.

[0096] In this way, the server device 10 can reduce the user's decision-making and lower the barrier to investment by automating the user's "process of converting unwanted items into money" and "process of converting money into stocks."

[0097] Furthermore, the server device 10 determines which items are to be sold among the items registered by the user based on the user's age, family structure, and / or kinship structure, and determines the timing of selling the items. Therefore, according to the embodiment, the user does not need to perform the cumbersome process of determining which items are to be sold.

[0098] Furthermore, the server device 10 automatically sells the items registered by the user based on the item selling conditions set by the user and the determined selling timing. Therefore, according to the embodiment, the user does not need to go through the cumbersome process of selling the items to be sold to an item purchasing business.

[0099] In addition, for an item that requires prior approval for sale, the user can receive recommendation information indicating that it is the right time to sell the item. Therefore, according to the embodiment, the user does not need to go through the cumbersome process of checking the market price of the item to be sold and determining when to sell it.

[0100] Furthermore, the server device 10 sets investment objectives based on the user's attributes and family structure, and automatically purchases and / or sells financial products based on the set investment objectives. This allows users to invest in accordance with their respective investment objectives, rather than investing to increase their money, thereby increasing their motivation to buy and sell unwanted items and maintaining their motivation to continue investing. This also motivates users to purchase financial products on their own.

[0101] In the first place, the funds used for investment are the profits from selling the user's unwanted items, and are not cash that the user has prepared themselves. Therefore, even if the value of the financial product they are managing falls, the user does not lose the cash they have, so they do not experience much stress when managing their investments. Therefore, according to the embodiment, the barrier to investment for users is lowered, and users can experience crab investment (successful investment) with a theme that suits them.

[0102] The following describes a scenario in which goods are sold and financial products are managed according to the investment objective set by the investment objective setting unit 136 of the server device 10. For example, the assumed users are a first user who has no capital but wants to try investing, and a second user who is not young and therefore thinks that investing with cash is too risky. The main target is beginner investors who avoid the risk of losing their capital.

[0103] For example, user "U1" is worried about his child's education expenses, but has no money to invest because daily living expenses are also expensive. In response, user "U1" registers unwanted baby products as items to be sold in a buyback management application. User "U1" was able to sell the stroller and children's clothes for a higher price than expected, which enabled him to start investing. The initial proceeds from the sale were 50,000 yen, but he is able to manage them with an annual investment return of about 5%. User "U1" plans to continue selling items such as children's clothes in order to achieve his investment goal of saving for education in 10 years' time, which is his motivation to continue investing.

[0104] In the case of user "U2," although the money they currently have is necessary for their lifestyle, they are considering selling off paintings, vases, and gold they own to add to their inheritance. Therefore, user "U2" registered the pure gold accessories and vases he had purchased as items for sale in a buyback management application, and was able to sell them for a higher price than expected. The proceeds from the sale were 500,000 yen, which allows for an annual investment return of about 5%, allowing him to use the investment return to celebrate his grandson's (4-year-old) birthday (for investment purposes).

[0105] In the case of user "U3," her husband is about to retire and she is worried about whether she will have enough money for retirement, but she does not want to reduce her retirement benefits. Therefore, user "U3" registered a gold bracelet, a designer bag, and a painting that she no longer uses as items for sale in the purchase and management application. In this case, the proceeds from the sale were 300,000 yen, which allows for an annual investment return of about 7%, allowing the user to go to lunch (for investment purposes) every month.

[0106] In this way, in the embodiment, even a beginner investor who is averse to the risk of losing his / her principal can start investing easily while avoiding risk.

[0107] [System configuration of the embodiment] The server device 10 is a functional concept and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of the functions of the server device 10 is not limited to that shown in the figure, and all or part of it can be functionally or physically distributed or integrated in any unit depending on various loads, usage conditions, etc.

[0108] Furthermore, all or any part of the processes performed by the server device 10 may be realized by a CPU, a GPU (Graphics Processing Unit), and a program analyzed and executed by the CPU and the GPU. Furthermore, each process performed by the server device 10 may be realized as hardware using wired logic.

[0109] Furthermore, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually. Alternatively, all or part of the processes described as being performed manually can be performed automatically using a known method. In addition, the processing procedures, control procedures, specific names, and information including various data and parameters described above and illustrated can be changed as appropriate unless otherwise specified.

[0110] [program] 13 is a diagram showing an example of a computer that executes a program to implement the server device 10. The computer 1000 includes, for example, a memory 1010 and a CPU 1020. The computer 1000 also includes a hard disk drive interface 1030, a disk drive interface 1040, a serial port interface 1050, a video adapter 1060, and a network interface 1070. These components are connected by a bus 1080.

[0111] The memory 1010 includes a ROM 1011 and a RAM 1012. The ROM 1011 stores a boot program such as a BIOS (Basic Input Output System). The hard disk drive interface 1030 is connected to a hard disk drive 1090. The disk drive interface 1040 is connected to a disk drive 1100. A removable storage medium such as a magnetic disk or optical disk is inserted into the disk drive 1100. The serial port interface 1050 is connected to a mouse 1110 and a keyboard 1120, for example. The video adapter 1060 is connected to a display 1130, for example.

[0112] The hard disk drive 1090 stores, for example, an OS (Operating System) 1091, an application program 1092, a program module 1093, and program data 1094. That is, a program that defines each process of the server device 10 is implemented as a program module 1093 in which code executable by the computer 1000 is written. The program module 1093 is stored, for example, in the hard disk drive 1090. For example, a program module 1093 for executing the same process as the functional configuration of the server device 10 is stored in the hard disk drive 1090. The hard disk drive 1090 may be replaced with an SSD (Solid State Drive).

[0113] Furthermore, setting data used in the processing of the above-described embodiment is stored as program data 1094, for example, in memory 1010 or hard disk drive 1090. Then, CPU 1020 reads program module 1093 and program data 1094 stored in memory 1010 or hard disk drive 1090 into RAM 1012 as necessary and executes them.

[0114] The program module 1093 and program data 1094 are not limited to being stored in the hard disk drive 1090, but may also be stored in, for example, a removable storage medium and read by the CPU 1020 via the disk drive 1100 or the like. Alternatively, the program module 1093 and program data 1094 may be stored in another computer connected via a network (such as a local area network (LAN) or a wide area network (WAN)). The program module 1093 and program data 1094 may then be read by the CPU 1020 from the other computer via the network interface 1070.

[0115] Although the present invention has been described above as an embodiment, the present invention is not limited to the descriptions and drawings that form part of the disclosure of the present invention. In other words, other embodiments, examples, and operational techniques that can be made by those skilled in the art based on the present invention are all included in the scope of the present invention. [Explanation of symbols]

[0116] 1 Processing System 10 Server device 11,21 Communications Department 12,22 Storage section 13,23 Control section 20 User terminal 24 Input / output section 25 Imaging unit 30 Item purchase server 40 Financial Instruments Trading Server 121,221 User Information 122,222 Goods information 123,223 Conditions for Sale of Goods 124 Investment conditions 125 Item sales history information 126,225 Operational information 131 User information acquisition unit 132 Goods Information Acquisition Department 133 Acquisition of Conditions for Sale of Goods 134 Investment Conditions Acquisition Department 135 Goods Sales Determination Division 136 Investment Objective Setting Department 137 Recommendation Department 138 Goods Sales Department 139 Operation Processing Unit 224 Item Sales History 231 User Information Registration Department 232 Goods Registration Department 233 Registration of Conditions for Sale of Goods 234 Investment Conditions Registration Department 235 Investment Purpose Acquisition Department 236 Recommendation output control unit 237 History display control section

Claims

1. a determination unit that predicts a market price of an item registered by a user and determines the timing of selling the item registered by the user; a sales processing unit that performs a process of selling the item registered by the user to an item purchasing business based on the determination result of the determination unit; an investment processing unit that makes investment decisions and purchases and / or sells financial products using the profits from the sales; A processing device comprising:

2. The processing device described in claim 1, characterized in that the determination unit determines which items are eligible for sale from among the items registered with the user based on the user's age, family composition, and / or kinship composition, and determines the timing of selling the items eligible for sale.

3. The processing device described in claim 1, characterized in that the sales processing unit automatically sells items registered to the user based on the item sales conditions set by the user and the sales timing determined by the determination unit.

4. a recommendation unit that, when the determination unit determines that it is time to sell the item registered to the user, transmits recommendation information indicating that it is time to sell the item registered to the user to a user terminal used by the user; The processing device according to claim 1, characterized in that the sales processing unit performs processing to sell the item registered to the user when it receives permission to sell the item registered to the user from the user terminal.

5. The investment management system further includes a setting unit that sets an investment objective based on the user's attributes and family structure, The processing device according to claim 1 , wherein the investment processing unit automatically purchases and / or sells financial products based on the investment objective set by the setting unit.

6. A processing method executed by a processing device, a step of predicting a market price of an item registered by a user and determining the timing of selling the item registered by the user; a step of selling the item registered by the user to a purchasing business based on the determination result in the determining step; making an investment decision and using the proceeds from the sale to purchase and / or sell financial instruments; A processing method comprising:

7. a step of predicting a market price of an item registered by a user and determining the timing of selling the item registered by the user; a step of performing a process of selling the item registered by the user to an item purchasing business based on the determination result in the step of determining; making an investment decision and using the proceeds from the sale to purchase and / or sell financial instruments; A processing program that causes a computer to execute the above.

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