Transaction intermediation device and transaction intermediation method

Abstract

To provide a transaction intermediary device that enables even individuals who cannot open a J-credit account to effectively utilize J-credit. [Solution] The transaction intermediary device 10 comprises a deposit processing unit 132 that transfers a specified amount of J Credits from a first J Credit account held by the first party to an intermediary J Credit account held by the intermediary in accordance with deposit information, and generates virtual J Credits in a virtual first J Credit account held by the first party; an order receiving processing unit 133 that receives first sell order information including the selling price and selling volume of the J Credits, and receives first buy order information including the purchasing price and purchasing volume of the J Credits; and a transaction settlement processing unit 134 that settles a transaction in accordance with the first sell order information and first buy order information, and transfers virtual J Credits from the virtual first J Credit account to the virtual second J Credit account.

Description

[Technical Field]

[0001] The present invention relates to a transaction intermediation device and a transaction intermediation method. [Background technology]

[0002] Conventionally, an intermediary device that mediates J-Credit transactions has been known (for example, Patent Document 1, etc.). In Patent Document 1, an account for J Credit transactions is created based on the J Credit account information held by the seller and the J Credit account information held by the buyer, and transactions are conducted using the wallet information associated with that account, thereby enabling simple J Credit transactions. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2024-084603 Summary of the Invention [Problem to be solved by the invention]

[0004] Patent Document 1 assumes that J Credit transactions are conducted between sellers and buyers through accounts linked to J Credit accounts, so individuals who are unable to open a J Credit account or companies that do not have a J Credit account are unable to conduct J Credit transactions and are unable to make effective use of J Credits.

[0005] The object of the present invention is to provide a transaction intermediation device and a transaction intermediation method that allow individuals who are unable to open a J-Credit account to effectively utilize J-Credit. [Means for solving the problem]

[0006] The transaction intermediary device of the present invention is characterized by comprising: a deposit processing unit that receives deposit information output from a first terminal held by a first party, transfers a specified number of J Credits from a first J Credit account held by the first party to an intermediary J Credit account held by an intermediary in accordance with the deposit information, and generates virtual J Credits equivalent to the specified number of J Credits transferred in a virtual first J Credit account held by the first party; an order receiving processing unit that receives first sell order information output from the first terminal and including a selling price and selling volume of J Credits, and receives first buy order information output from a second terminal held by a second party and including a purchasing price and purchasing volume of J Credits; and a transaction contract processing unit that concludes a transaction in accordance with the first sell order information and the first buy order information, and transfers the virtual J Credits from the virtual first J Credit account to a virtual second J Credit account held by the second party in accordance with the first sell order information and the first buy order information.

[0007] In the present invention, virtual J Credits equivalent to J Credits deposited by a first party with an intermediary are generated in a virtual first J Credit account held by the first party. The second party can then purchase the virtual J Credits from the first party by transmitting first buy order information corresponding to the first sell order information from the first party. Therefore, even if the second party does not have a J Credit account, the second party can utilize the J Credits by selling or invalidating the J Credits in the intermediary J Credit account held by the intermediary according to the virtual J Credits held by the second party.

[0008] In the transaction intermediary device of the present invention, it is preferable to include an invalidation processing unit that inputs invalidation information output from the second terminal and including the invalidation amount of J credits, transfers a predetermined number of J credits from the intermediary J credit account to the invalidation account in accordance with the invalidation information, and erases the virtual J credits equivalent to the transferred predetermined J credits from the virtual second J credit account. This allows a predetermined number of J Credits to be transferred from the intermediary J Credit account to the invalidation account in accordance with the invalidation information from the second party. Therefore, even if the second party does not have a J Credit account itself, it can invalidate J Credits in the intermediary J Credit account held by the intermediary in accordance with the virtual J Credits held by the second party.

[0009] In the transaction intermediary device of the present invention, it is preferable that the order receiving processing unit receives second selling order information output from the second terminal and including the selling price and selling volume of J Credits, and receives second buying order information output from a third terminal held by a third party and including the purchasing price and purchasing volume of J Credits, and the transaction contracting processing unit contracts a transaction in accordance with the second selling order information and the second buying order information, and transfers the virtual J Credits from the virtual second J Credit account to a virtual third J Credit account held by the third party in accordance with the second selling order information and the second buying order information. As a result, the transaction contracting unit transfers virtual J Credits from the virtual second J Credit account held by the second party to the virtual third J Credit account held by the third party in accordance with the second sell order information from the second party and the second buy order information from the third party. Therefore, even if the second party does not have a J Credit account itself, it can sell J Credits in the intermediary J Credit account held by the intermediary to the third party in accordance with the virtual J Credits it holds.

[0010] The transaction intermediary device of the present invention preferably further comprises a display processing unit that displays the first selling order information and the first buying order information on the first terminal and the second terminal. This allows the first party to determine the selling price and sales volume in accordance with the first buy order information from the second party. Also, the second party can determine the purchase price and purchase volume in accordance with the first sell order information from the first party. This allows the buyer and seller to mutually confirm their desired prices and volumes, thereby increasing the liquidity of J-Credit trading.

[0011] The transaction intermediation method of the present invention is characterized by comprising: a depositing step of inputting deposit information output from a first terminal held by a first party, transferring a predetermined number of J Credits from a first J Credit account held by the first party to an intermediary J Credit account held by an intermediary in accordance with the deposit information, and generating virtual J Credits equivalent to the transferred predetermined number of J Credits in a virtual first J Credit account held by the first party; an order receiving step of receiving first sell order information output from the first terminal and including a selling price and selling volume of J Credits, and receiving first buy order information output from a second terminal held by a second party and including a purchasing price and purchasing volume of J Credits; and a transaction contracting step of contracting a transaction in accordance with the first sell order information and the first buy order information, and transferring the virtual J Credits from the virtual first J Credit account to a virtual second J Credit account held by the second party in accordance with the first sell order information and the first buy order information.

[0012] In the present invention, virtual J Credits equivalent to J Credits deposited by a first party with an intermediary are generated in a virtual first J Credit account held by the first party. The second party can then purchase the virtual J Credits from the first party by transmitting first buy order information corresponding to the first sell order information from the first party. Therefore, even if the second party does not have a J Credit account, the second party can utilize the J Credits by selling or invalidating the J Credits in the intermediary J Credit account held by the intermediary according to the virtual J Credits held by the second party. [Brief explanation of the drawings]

[0013] [Figure 1] 1 is a diagram showing an overview of a transaction intermediation system according to an embodiment. [Figure 2] FIG. 2 is a block diagram showing a schematic configuration of the transaction intermediary device according to the embodiment. [Figure 3] FIG. 4 is a schematic diagram showing the display of buy and sell orders by a display processing unit. [Figure 4] 10 is a flowchart showing an account registration method. [Figure 5] 1 is a flowchart showing a method for intermediating a transaction between a first party and a second party. [Figure 6] A flowchart showing a method for mediating the invalidation of J Credits by a second party. [Figure 7] 10 is a flowchart showing a method for intermediating a transaction between a second party and a third party. DETAILED DESCRIPTION OF THE INVENTION

[0014] [Embodiment] Hereinafter, specific embodiments will be described in detail with reference to the drawings. In each drawing, the same or corresponding elements are designated by the same reference numerals, and for clarity of explanation, duplicate explanations will be omitted as necessary.

[0015] FIG. 1 is a diagram showing an outline of a transaction intermediation system 1 according to this embodiment. As shown in FIG. 1, transaction intermediation system 1 includes transaction intermediation device 10, first terminal 20, second terminal 30, third terminal 40, management terminal 50, and J credit server 60. In this embodiment, transaction intermediary device 10 is held and managed by an intermediary for J Credit transactions, and is configured to be able to communicate with first terminal 20, second terminal 30, and third terminal 40 via internet line 100. Transaction intermediary device 10 is also configured to be able to communicate with management terminal 50 via a wireless or wired line. Transaction intermediary device 10 is also configured to be able to communicate with J Credit server 60 via internet line 100. Details of transaction intermediary device 10 will be described later.

[0016] First terminal 20 is configured as a portable terminal such as a PC (personal computer) or smartphone, and is managed and used by the first party who holds a J Credit account. As described above, first terminal 20 is configured to be able to communicate with transaction intermediary device 10 via Internet line 100. More specifically, first terminal 20 is configured to be able to communicate with transaction intermediary device 10 by accessing a WBE site operated by the intermediary or by using an application provided by the intermediary. Furthermore, first terminal 20 includes a means for displaying the content displayed by display unit 14 of transaction intermediary device 10, which will be described later. An example of a first party is a corporate entity that holds a J Credit account.

[0017] Second terminal 30 is configured as a mobile terminal such as a PC or smartphone, and is managed and used by a third party who does not hold a J Credit account. As described above, second terminal 30 is configured to be able to communicate with transaction intermediary device 10 via internet line 100. More specifically, second terminal 30 is configured to be able to communicate with transaction intermediary device 10 by accessing a WBE site operated by the intermediary or by using an application provided by the intermediary. Second terminal 30 also includes a means for displaying the content displayed by display unit 14 of transaction intermediary device 10, which will be described later. Examples of second parties include individuals, voluntary organizations, and corporations that do not hold a J Credit account.

[0018] Third terminal 40 is configured as a portable terminal such as a PC or smartphone, and is managed and used by a third party different from the first and second parties described above. As described above, third terminal 40 is configured to be able to communicate with transaction intermediary apparatus 10 via Internet line 100. More specifically, third terminal 40 is configured to be able to communicate with transaction intermediary apparatus 10 by accessing a WBE site operated by the intermediary or by using an application provided by the intermediary. Furthermore, third terminal 40 includes a means for displaying the content displayed by display unit 14 of transaction intermediary device 10, which will be described later. Examples of third parties include corporations that hold J-Credit accounts, as well as individuals, voluntary organizations, corporations, etc. that do not hold J-Credit accounts.

[0019] Management terminal 50 is configured as a portable terminal such as a PC or smartphone, and manages transaction intermediation apparatus 10. Management terminal 50 is configured to enable transaction intermediation apparatus 10 to be operated manually or automatically by the intermediary managing transaction intermediation apparatus 10. More specifically, management terminal 50 has the function of managing the operation of transaction intermediation apparatus 10 and the function of managing the user interface of display unit 14.

[0020] The J Credit Server 60 is operated and managed by the J Credit Scheme Secretariat, which operates the J Credit Scheme, and is configured by a server device, etc. The J Credit Server 60 is configured to be able to manage J Credit accounts held by first parties, etc.

[0021] [Transaction intermediary device 10] FIG. 2 is a block diagram showing the schematic configuration of transaction intermediary device 10. As shown in FIG. As shown in Figure 2, transaction intermediary device 10 comprises communications unit 11, memory unit 12, control unit 13, and display unit 14. In this embodiment, transaction intermediary device 10 is comprised of a PC, a server device, a computer communication host, a computer system connected to the Internet, etc., and is owned and managed by the intermediary that mediates J Credit. Furthermore, the functions included in transaction intermediary device 10 may be distributed among various devices on the network, and each of these devices may constitute a single function.

[0022] Communication unit 11 is a communication interface for transmitting and receiving various information between transaction intermediary device 10 and first terminal 20, second terminal 30, third terminal 40, management terminal 50, and J Credit server 60. If the communication network is a wireless line, communication unit 11 is equipped with an antenna. If the communication network is a wired line, communication unit 11 is equipped with a connection port for connecting a communication cable.

[0023] The storage unit 12 includes an intermediary account storage unit 121, a transaction DB 122, a user DB 123, and a credit transfer DB 124. The storage unit 12 is a non-volatile storage device, and may use information media such as a flash memory, a hard disc drive (HDD), a solid state drive (SSD), or an optical disc drive.

[0024] The intermediary account storage unit 121 stores information about the J-Credit account held by the intermediary. The intermediary account storage unit 121 also stores J-Credit information deposited by the first party. The trading DB 122 stores trading information to be displayed on the display unit 14. The trading information includes information related to the buying and selling of J Credits, such as first sell order information output from the first terminal 20 and first buy order information output from the second terminal 30, as well as the contract history of virtual J Credit transactions.

[0025] User DB123 stores information on a virtual first J-Credit account held by a first person, information on a virtual second J-Credit account held by a second person, information on a virtual third J-Credit account held by a third person, account information on a first person, account information on a second person, account information on a third person, etc. The account information on a first person includes the name and address of the first person, information on the J-Credit account held by the first person, information on the bank account held by the first person, etc. The account information on a second person includes the name and address of the second person, information on the bank account held by the second person, etc. Furthermore, if the third person holds a J-Credit account, the account information on the third person includes the name and address of the third person, information on the J-Credit account held by the third person, information on the bank account held by the third person, etc. On the other hand, if the third person does not hold a J-Credit account, the account information on the third person includes the name and address of the third person, information on the bank account held by the third person, etc. The credit transfer DB 124 stores historical information on J-credits transferred from the first party or the like.

[0026] Control unit 13 is configured, for example, by a CPU (Central Processing Unit), working memory, and a non-volatile storage device that stores programs for controlling the entire transaction intermediary device 10. Control unit 13 can also be realized, for example, by an IC (Integrated Circuit). In this embodiment, the control unit 13 includes an account registration processing unit 131, a deposit processing unit 132, an order receiving processing unit 133, a transaction agreement processing unit 134, an invalidation processing unit 135, a display processing unit 136, a billing processing unit 137, and an intermediary account opening processing unit 138.

[0027] The account registration processing unit 131 is configured to perform a registration process for storing account information in the user DB 123 in accordance with the registration information output from the first terminal 20, the second terminal 30, or the third terminal 40.

[0028] The deposit processing unit 132 inputs the deposit information output from the first terminal 20 and performs processing to transfer a predetermined amount of J Credit from the first J Credit account held by the first party to the intermediary J Credit account held by the intermediary in accordance with the deposit information. Specifically, the deposit processing unit 132 accesses the J Credit server 60 via the communication unit 11 and the internet line 100 and executes an agency procedure to transfer a predetermined amount of J Credit from the first J Credit account held by the first party to the intermediary J Credit account held by the intermediary. Furthermore, the deposit processing unit 132 generates virtual J credits equivalent to the transferred predetermined J credits in a virtual first J credit account held by the first person, and stores the virtual J credits in the user DB 123.

[0029] The order receiving processor 133 performs processing to receive first selling order information that is output from the first terminal 20 and includes the selling price and selling volume of J Credit. The order receiving processor 133 also performs processing to receive first buying order information that is output from the second terminal 30 and includes the purchasing price and purchasing volume of J Credit. The order receiving processor 133 then stores the received first selling order information and second buying order information in the trading DB 122.

[0030] The transaction contract processing unit 134 contracts a transaction in accordance with the first selling order information and the first buying order information. Specifically, the transaction is contracted when the selling price and selling volume of J Credits included in the first order information and the purchasing price and purchasing volume of J Credits included in the first buying order information match. In this case, if the selling price and purchasing price match, the transaction may be contracted only for the purchasing volume by the second party, even if the purchasing volume is lower than the selling volume. On the other hand, if the selling price and purchasing price match, the transaction may be contracted only for the selling volume by the first party, even if the purchasing volume exceeds the selling volume. In other words, the transaction may be contracted for only a portion of the selling volume or purchasing volume, depending on the requests of the first and second parties.

[0031] Furthermore, the trade contract processing unit 134 performs processing to transfer virtual J credits from the virtual first J credit account to the virtual second J credit account in accordance with the first sell order information and the first buy order information. Specifically, the trade contract processing unit 134 transfers the virtual J credits in the virtual first J credit account stored in the user DB 123 to the virtual second J credits in accordance with the trade that has been contracted.

[0032] The invalidation processing unit 135 receives the invalidation information output from the second terminal 30 and including the invalidation amount of J Credit via the communication unit 11 and the order receiving processing unit 133. The invalidation processing unit 135 then transfers the specified J Credit from the intermediary J Credit account to the invalidated account in accordance with the invalidation information. Specifically, the invalidation processing unit 135 accesses the J Credit server 60 via the communication unit 11 and the internet line 100, and executes an agency procedure to transfer the specified J Credit from the intermediary J Credit account held by the intermediary to the invalidated account. Furthermore, the invalidation processing unit 135 erases the virtual J credits equivalent to the predetermined transferred J credits from the virtual second J credit account. Specifically, the invalidation processing unit 135 erases the virtual J credits in the virtual second J credit account stored in the user DB 123 according to the J credits invalidated by proxy.

[0033] The display processing unit 136 is configured to display the first selling order information and the first buying order information on the display unit 14, the first terminal 20, the second terminal 30, the third terminal 40, and the management terminal 50. Fig. 3 is a schematic diagram showing the display of buy and sell orders by the display processing unit 136. As shown in Fig. 3, in this embodiment, the display processing unit 136 executes processing to display not only information on sell orders of J Credit by first parties etc. but also information on buy orders by second parties etc. in parallel on the display unit 14 etc. This allows the first party etc. to determine the selling price and sales volume in accordance with the buy order information from the second party etc. In addition, the second party etc. can determine the purchase price and purchase volume in accordance with the sell order information from the first party etc. Therefore, the buyer and seller can mutually confirm their desired price and volume, which increases the liquidity of J-Credit trading.

[0034] The billing processing unit 137 executes billing processing related to the buying and selling of J Credit when the transaction agreement processing unit 134 has concluded a transaction of J Credit. For example, when the transaction agreement processing unit 134 has concluded a transaction in accordance with the first sell order information and first buy order information described above, the billing processing unit 137 executes a procedure to carry out a transfer process from a bank account held by the second party to a bank account held by the intermediary in accordance with the buying and selling price and volume of J Credit. Furthermore, the billing processing unit 137 executes a procedure to carry out a transfer process from the bank account held by the intermediary to a bank account held by the first party in accordance with the buying and selling price and volume of J Credit. Note that the billing processing unit 137 is not limited to the above configuration, and may be configured to execute a process of issuing a bill to a second party according to the buying and selling price and buying and selling volume of J Credits, for example.

[0035] The intermediary account opening processing unit 138 is configured to execute a procedure process for opening an intermediary J Credit account held by the intermediary.

[0036] The display unit 14 can be a variety of display devices such as an LCD (liquid crystal display), a VFD (vacuum fluorescent display), an LED (light emitting diode), etc. The display unit 14 can also be a portable device such as a mobile phone (including a so-called smartphone). As described above, the display unit 14 is configured to display transaction information such as buy and sell orders, as well as account information of the first, second, or third party, as shown in Fig. 3. The account information is protected so that it cannot be displayed on the terminal of each party unless the party logs in with their ID.

[0037] [How to register an account] Next, a method for registering an account will be described. Fig. 4 is a flowchart showing a method for registering an account. Note that Fig. 4 illustrates an example of account registration by a first party, but accounts can also be registered by second and third parties using similar procedures. 4, first, the first party outputs the registration information required to register an account to transaction intermediary device 10 via first terminal 20 and internet connection 100 (step S101). Specifically, the first party accesses a WBE site operated by the intermediary via first terminal 20 and internet connection 100 or uses an application provided by the intermediary, and inputs the registration information required to register an account, such as famous places, addresses, J-Credit account information, and bank account information, and outputs the information to transaction intermediary device 10.

[0038] Next, the account registration processing unit 131 inputs the above-mentioned registration information via the communication unit 11 (step S102). Then, the account registration processing unit 131 stores the input registration information in the user DB 123 as account information of the first person (step S103).

[0039] Next, account registration processing unit 131 issues an ID and a password linked to the account information of the first person, and stores them in user DB 123 (step S104). Then, account registration processing unit 131 outputs the ID and password of the first person stored in the user DB to first terminal 20 via communication unit 11 and Internet line 100 (step S105). In this way, in this embodiment, by issuing an ID and a password linked to the account information, it is possible to increase the security of the account information of the first person.

[0040] [Transaction mediation method between first and second parties] Next, a method for mediating a transaction between a first party and a second party will be described. FIG. 5 is a flowchart showing a transaction intermediation method between a first party and a second party. 5, first, the first party accesses the WBE site operated by the intermediary via first terminal 20 and internet line 100, or uses an application provided by the intermediary, to access their own account information and input deposit information (step S201). Specifically, the first party inputs, as deposit information, information for identifying the J Credits they wish to deposit into the intermediary's J Credit account, such as the J Credit identification number of their own J Credits, the amount of J Credits to be deposited, and the project number.

[0041] Next, the deposit processing unit 132 inputs the deposit information output from the first terminal 20 via the communication unit 11 (step S202). Then, the deposit processing unit 132 accesses the J credit server 60 via the communication unit 11 and the internet line 100, and executes processing of an agency procedure to transfer J credits from the first J credit account held by the first party to the intermediary J credit account held by the intermediary in accordance with the input deposit information (step S203).

[0042] Next, the deposit processing unit 132 executes a process of generating virtual J credits equivalent to the transferred predetermined J credits in a virtual first J credit account held by the first party and storing the virtual J credits in the user DB 123 (step S204). Steps S202 to S204 constitute a deposit step of the present invention.

[0043] Next, the first party accesses his / her account information and inputs first sell order information by accessing a WBE site operated by the intermediary or by using an application provided by the intermediary via first terminal 20 and internet line 100. Specifically, the first party inputs information such as the selling price and sales volume of the J Credits that the first party wishes to sell among the J Credits deposited with the intermediary as first sell order information. Then, order receiving processor 133 stores the input first sell order information in trading DB 122 (step S206).

[0044] Next, the second party accesses the WBE site operated by the intermediary via the second terminal 30 and the internet line 100, or uses an application provided by the intermediary, thereby accessing his / her own account information and inputting first buy order information (step S207). Specifically, the second party inputs information such as the purchase price and purchase amount of the J Credits that the second party wishes to purchase as first buy order information. Then, the order receiving processor 133 stores the input first buy order information in the trading DB 122 (step S208). Steps S205 to S208 constitute the order receiving step of the present invention.

[0045] Next, the transaction agreement processing unit 134 refers to the first selling order information and the first buying order information stored in the transaction DB 122, and if the selling price and selling volume of the J Credit included in the first order information match the purchasing price and purchasing volume of the J Credit included in the first buying order information, it executes a process to settle the transaction (step S209).

[0046] Then, the transaction contract processing unit 134 transfers a predetermined amount of virtual J credits in the virtual first J credit account stored in the user DB 123 to the virtual second J credits in accordance with the transaction contracted in step S209 (step S210). Steps S209 to S210 constitute a transaction contract step of the present invention.

[0047] Finally, the billing processor 137 executes a procedure to transfer money from the bank account held by the second party to the bank account held by the intermediary according to the buying and selling price and volume of the J Credits (step S211).Then, the billing processor 137 executes a procedure to transfer money from the bank account held by the intermediary to the bank account held by the first party according to the buying and selling price and volume of the J Credits (step S212).

[0048] As described above, in this embodiment, by the processing of steps S201 to S210 described above, virtual J Credits equivalent to the J Credits deposited by the first party with the intermediary are generated in a virtual first J Credit account held by the first party. The second party can then purchase the virtual J Credits from the first party by transmitting first buy order information corresponding to the first sell order information from the first party. Therefore, even if the second party does not have a J Credit account, the second party can utilize the J Credits by selling or invalidating the J Credits in the intermediary J Credit account held by the intermediary according to the virtual J Credits held by the second party.

[0049] In this embodiment, the order receiving processor 133 inputs and stores the first buy order information after inputting and storing the first sell order information, but this is not limiting. For example, the order receiving processor 133 may input and store the first buy order reception first, and then input and store the first sell order reception.

[0050] [Second-party invalidation mediation method] Next, we will explain how a second party can mediate the invalidation of J Credits. FIG. 6 is a flowchart showing a method for mediating the invalidation of J Credits by a second party. As shown in Fig. 6, first, the second party accesses his / her own account information and inputs invalidation information by accessing a WBE site operated by the intermediary or by using an application provided by the intermediary via the second terminal 30 and the internet line 100 (step S301). Specifically, the second party inputs information for identifying the J Credits to be invalidated, such as the J Credit identification number, J Credit amount, and project number of the J Credits. Then, the order receiving processor 133 stores the input invalidation information in the trading DB 122 (step S302).

[0051] Next, the invalidation processing unit 135 accesses the J credit server 60 via the communication unit 11 and the Internet line 100, and receives the invalidation procedure for the J credits by inputting the invalidation information output from the second terminal 30 (step S303). Then, the invalidation processing unit 135 eliminates the virtual J credits in the virtual second J credit account stored in the user DB 123 in accordance with the invalidation information (step S304). The invalidation processing unit 135 also eliminates the J credits by executing a proxy procedure to transfer the J credits in accordance with the invalidation information from the intermediary J credit account held by the intermediary to the invalidated account (step S305).

[0052] In this way, in this embodiment, a predetermined amount of J Credits is transferred from the intermediary J Credit account to the invalidation account in accordance with invalidation information from the second party. Therefore, even if the second party does not have a J Credit account itself, it can invalidate the J Credits in the intermediary J Credit account held by the intermediary in accordance with the virtual J Credits held by the second party. In particular, in this embodiment, the second party can purchase virtual J Credits at a desired time and invalidate the J Credits equivalent to those virtual J Credits at a desired time. For example, by purchasing J Credits when the market price is low and invalidating the J Credits according to the second party's own actions, the second party can manage J Credits more efficiently.

[0053] [Transaction mediation method between second and third parties] Next, a method of mediating a transaction between a second party and a third party will be described. FIG. 7 is a flowchart showing a method for intermediating a transaction between a second party and a third party. 7, first, the second party accesses the WBE site operated by the intermediary via the second terminal 30 and the Internet line 100, or uses an application provided by the intermediary, thereby accessing his / her own account information and inputting second sell order information (step S401). Specifically, the second party inputs information such as the selling price and sales volume of the J Credits held as virtual J Credits as second sell order information. Then, the order receiving processor 133 stores the input second sell order information in the trading DB 122 (step S402).

[0054] Next, the third party accesses the WBE site operated by the intermediary via third terminal 40 and internet line 100, or uses an application provided by the intermediary, thereby accessing his / her own account information and inputting second buy order information (step S403). Specifically, the third party inputs information such as the purchase price and purchase amount of the J Credits that he / she wishes to purchase as second buy order information. Then, order receiving processor 133 stores the input second buy order information in trading DB 122 (step S404).

[0055] Next, the transaction agreement processing unit 134 refers to the second selling order information and the second buying order information stored in the transaction DB 122, and if the selling price and selling volume of the J Credit included in the second order information match the purchasing price and purchasing volume of the J Credit included in the second buying order information, it executes a process to settle the transaction (step S405).

[0056] Then, the transaction contract processing unit 134 transfers a predetermined amount of virtual J credits in the virtual second J credit account stored in the user DB 123 to the virtual third J credits in accordance with the transaction contracted in step S405 (step S406).

[0057] Finally, the billing processor 137 executes a procedure to transfer money from the bank account held by the third party to the bank account held by the intermediary according to the buying and selling price and volume of the J Credit (step S407).Then, the billing processor 137 executes a procedure to transfer money from the bank account held by the intermediary to the bank account held by the second party according to the buying and selling price and volume of the J Credit (step S408).

[0058] Thus, in this embodiment, the transaction contract processing unit 134 transfers virtual J Credits from the virtual second J Credit account held by the second party to the virtual third J Credit account held by the third party in accordance with the second sell order information from the second party and the second buy order information from the third party. Therefore, even if the second party does not have a J Credit account itself, it can sell J Credits in the intermediary J Credit account held by the intermediary to the third party in accordance with the virtual J Credits it holds. In particular, in this embodiment, the second party can purchase virtual J Credits at a desired time and sell those virtual J Credits at a desired time, so that, for example, the second party can manage their own assets through J Credits by purchasing J Credits when the market price is low and selling them when the market price is high.

[0059] In this embodiment, the order receiving processor 133 inputs and stores the second sell order information and then inputs and stores the second buy order information, but this is not limiting. For example, the order receiving processor 133 may input and store the second buy order reception and then input and store the second sell order reception.

[0060] [Effects of this embodiment] The present embodiment as described above can achieve the following effects. (1) In this embodiment, virtual J Credits equivalent to J Credits deposited by the first party with the intermediary are generated in a virtual first J Credit account held by the first party. The second party can then purchase the virtual J Credits from the first party by transmitting first buy order information corresponding to the first sell order information from the first party. Therefore, even if the second party does not have a J Credit account, the second party can utilize the J Credits by selling or invalidating the J Credits in the intermediary J Credit account held by the intermediary according to the virtual J Credits held by the second party.

[0061] (2) In this embodiment, a predetermined amount of J Credits is transferred from the intermediary J Credit account to the invalidation account in accordance with invalidation information from the second party. Therefore, even if the second party does not have a J Credit account itself, the second party can invalidate the J Credits in the intermediary J Credit account held by the intermediary in accordance with the virtual J Credits held by the second party.

[0062] (3) In this embodiment, the transaction contract processing unit 134 transfers virtual J Credits from a virtual second J Credit account held by the second party to a virtual third J Credit account held by the third party in accordance with second sell order information from the second party and second buy order information from the third party. Therefore, even if the second party does not have a J Credit account itself, it can sell J Credits in the intermediary J Credit account held by the intermediary to the third party in accordance with the virtual J Credits it holds.

[0063] (4) In this embodiment, the first party can determine the selling price and selling volume in accordance with the first buy order information from the second party. The second party can also determine the purchase price and purchase volume in accordance with the first sell order information from the first party. Therefore, the buyer and seller can mutually confirm their desired prices and volumes, thereby increasing the liquidity of J-Credit transactions.

[0064] [Variations] The present invention is not limited to the above-described embodiment, and modifications and improvements within the scope of achieving the object of the present invention are included in the present invention.

[0065] In the above embodiment, some or all of the processing of transaction intermediary apparatus 10 can be realized by having a CPU execute a computer program. The program includes instructions (or software code) that, when loaded into a computer, cause the computer to perform one or more functions described in the embodiments. The program may be stored in a non-transitory computer-readable medium or a tangible storage medium. By way of example and not limitation, computer-readable media or tangible storage media include random-access memory (RAM), read-only memory (ROM), flash memory, solid-state drive (SSD) or other memory technologies, CD-ROM, digital versatile disc (DVD), Blu-ray disc or other optical disk storage, magnetic cassette, magnetic tape, magnetic disk storage or other magnetic storage device. The program may also be transmitted on a transitory computer-readable medium or communication medium. By way of non-limiting example, transitory computer-readable medium or communication medium includes electrical, optical, acoustic, or other forms of propagated signals.

[0066] In the above embodiment, the transaction contract processing unit 134 is configured to execute a transaction by referring to the second selling order information from the second party and the second buying order information from the third party, but is not limited to this. For example, the transaction contract processing unit may execute a transaction by referring to the selling order information from the second party and the buying order information from the first party, and may be configured to execute a transaction if the selling price and selling volume of the selling order information and the purchasing price and purchasing volume of the buying order information match. [Explanation of symbols]

[0067] 1...transaction intermediation system, 10...transaction intermediation device, 11...communication unit, 12...memory unit, 13...control unit, 14...display unit, 20...first terminal, 30...second terminal, 40...third terminal, 50...management terminal, 60...J credit server, 100...internet line, 121...intermediary account memory unit, 122...transaction DB, 123...user DB, 124...credit transfer DB, 131...account registration processing unit, 132...deposit processing unit, 133...order receiving processing unit, 134...transaction agreement processing unit, 135...invalidation processing unit, 136...display processing unit, 137...billing processing unit, 138...intermediary account opening processing unit.

Claims

1. a deposit processing unit that inputs deposit information output from a first terminal held by a first party, transfers a predetermined number of J Credits from a first J Credit account held by the first party to an intermediary J Credit account held by an intermediary in accordance with the deposit information, and generates virtual J Credits equivalent to the transferred predetermined J Credits in a virtual first J Credit account held by the first party; an order receiving and processing unit that receives first selling order information output from the first terminal and including the selling price and selling volume of J Credit, and receives first buying order information output from a second terminal held by a second party and including the purchasing price and purchasing volume of J Credit; a transaction contract processing unit that contracts a transaction in accordance with the first selling order information and the first buying order information, and transfers the virtual J credits from the virtual first J credit account to a virtual second J credit account held by the second party in accordance with the first selling order information and the first buying order information. A transaction intermediary device characterized by:

2. 2. The transaction intermediary device according to claim 1, and a nullification processing unit that is output from the second terminal, inputs nullification information including the amount of J Credits to be nullified, transfers a predetermined number of J Credits from the intermediary J Credit account to the nullification account in accordance with the nullification information, and deletes the virtual J Credits corresponding to the transferred predetermined J Credits from the virtual second J Credit account. A transaction intermediary device characterized by:

3. 2. The transaction intermediary device according to claim 1, The order receiving processing unit receives second selling order information output from the second terminal and including a selling price and a selling amount of J Credit, and receives second buying order information output from a third terminal held by a third party and including a purchasing price and a purchasing amount of J Credit, The transaction contract processing unit contracts a transaction in accordance with the second selling order information and the second buying order information, and transfers the virtual J credits from the virtual second J credit account to a virtual third J credit account held by the third party in accordance with the second selling order information and the second buying order information. A transaction intermediary device characterized by:

4. 2. The transaction intermediary device according to claim 1, a display processing unit that displays the first selling order information and the first buying order information on the first terminal and the second terminal; A transaction intermediary device characterized by:

5. a depositing step of inputting deposit information output from a first terminal held by a first party, transferring a predetermined number of J Credits from a first J Credit account held by the first party to an intermediary J Credit account held by an intermediary in accordance with the deposit information, and generating virtual J Credits equivalent to the transferred predetermined J Credits in a virtual first J Credit account held by the first party; an order receiving step of receiving first selling order information output from the first terminal and including a selling price and a selling amount of J Credit, and receiving first buying order information output from a second terminal held by a second party and including a purchasing price and a purchasing amount of J Credit; a transaction contracting step of contracting a transaction in accordance with the first selling order information and the first buying order information, and transferring the virtual J credits from the virtual first J credit account to a virtual second J credit account held by the second party in accordance with the first selling order information and the first buying order information. A transaction intermediation method characterized by:

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