Processing device, processing method, and processing program

Abstract

You can make investments easily. [Solution] The server device 10 has an item sale determination unit 135 that predicts the market price of items registered to a user and determines the timing of selling the items registered to the user, an item sale processing unit 138 that performs processing to sell the items registered to 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 uses profits from sales to purchase and / or sell financial products.

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 taking various measures 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] There are many voices saying that they are afraid of losing money, that they don't really know how to invest, that they don't know what to invest in, and that they can't even prepare the investment capital. For this reason, the hurdles to starting investing in Japan are still high, and compared to Europe and the US, investment has not become widespread.

[0005] The present invention has been made in consideration of the above, and has an object to provide a processing device, a processing method, and a processing program that enable 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 judges the timing of selling the item registered to the user, a sales processing unit that performs processing to sell 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. Effect of the Invention

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

[0008] [Figure 1] FIG. 1 is a block diagram showing an example of a configuration of a processing system according to an embodiment. [Diagram 2] FIG. 2 is a block diagram showing an example of the configuration of the user terminal shown in FIG. [Diagram 3] FIG. 3 is a block diagram illustrating an example of a 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. [Diagram 5] FIG. 5 is a diagram showing an example of a data configuration of the item information shown in FIG. [Figure 6] FIG. 6 is a diagram showing an example of a data configuration of the product sale conditions shown in FIG. [Figure 7] FIG. 7 is a diagram showing an example of a 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 a processing 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 PREFERRED EMBODIMENTS

[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 indicated by the same reference numerals.

[0010] [Embodiment Mode] In the embodiment, a system is proposed that automatically invests and manages profits from buying and selling unwanted items. Thus, according to the embodiment, instead of owning "cash," "things that are no longer needed" 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 make an investment. Thus, according to the embodiment, the hurdle to investing for users can be lowered.

[0011] [Processing system] FIG. 1 is a block diagram showing an example of a 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 a server device owned by a business that provides a purchase and management service.

[0013] The server device 10 can communicate with the goods buying server 30 of the goods buying agent and the financial product trading server 40 of the securities company. The server device 10 may be connected to the goods buying servers 30 of a plurality of goods buying agents and the financial product trading servers 40 of a plurality of securities companies. The configuration shown in FIG. 1 is merely an example, and the specific configuration and the number of each device 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 be a processing device such as a notebook PC.

[0015] A buy-back management application provided by a buy-back management service provider is installed on the user terminal 20. The user terminal 20 registers items owned by the user, buy-back conditions, and investment conditions via the buy-back management application, and transmits the various registered information to the server device 10. The user terminal 20 receives recommendation information, item sales reports, and the management status of financial products transmitted from the server device 10 via the buy-back management application, and outputs the received information by image display and sound.

[0016] The server device 10 predicts the market price of the item registered by the user and performs a process of selling the item at the timing of selling the item registered by the user. The server device 10 makes an investment decision and purchases and / or sells financial products using the profit from the sale of the item. If the user requests confirmation before selling, the server device 10 recommends the timing of selling the item to the user terminal 20 via the purchase management application.

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

[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 communication related to various information. For example, the communication unit 21 controls communication with the server device 10. The communication unit 21 transmits information indicating the items owned by the user, the selling conditions, and the investment conditions registered by the user to the server device 10. The communication unit 21 receives information indicating the investment purpose, the recommendation information, the selling report of the items, and the investment management report 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, a liquid crystal display, a touch panel, a speaker, a microphone, etc. The input / output unit 24 outputs a registration screen for registering the items owned by the user, the selling conditions, and the investment conditions, as well as a screen for displaying the investment purpose, the recommendation information, the selling report of the items, and the investment management report on the purchase management application.

[0021] The imaging unit 25 processes a photoelectric conversion element such as a CCD or CMOS and a photoelectric conversion signal output from the imaging element to generate an image. The imaging unit 25 acquires, for example, a two-dimensional image of three colors, R (red), G (green), and B (blue). The imaging unit 25 acquires an image of an item to be registered on the purchase operation 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 random access memory (RAM) 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 selling conditions 223, item selling 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 is also acquired when linking 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 obtained by the user correcting information acquired by image recognition when the user registers a photo of daily necessities owned by the user on the purchase operation application. The item information 222 is automatically added by reading a two-dimensional code of a book or a game software on the purchase operation 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, item to be bought and sold, and whether or not prior approval is required for each item on an item registration screen in the purchase operation application. It is also possible to register the sale conditions so that the item is automatically sold at a preset value (such as when a 10% profit is made).

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

[0027] The management information 225 is information indicating 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 buy and manage 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 operation 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 on items owned by the user, registers the information as item information 222 in the storage unit 22, 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 the product information of the item by reading a barcode on a book or game software. The item registration unit 232 may also automatically register items purchased by the user (excluding consumables) as tradeable 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 selling conditions of an item when the user registers the item. The selling conditions include the minimum transaction price, transaction medium (BtoC, CtoC), handling of shipping charges, the item to be bought and sold, and whether or not prior approval is required for each item. The item registration unit 232 registers the selling conditions registered by the user in the storage unit 22 as the item sales conditions 223, and transmits them to the server device 10.

[0033] The investment condition registration unit 234 registers investment conditions by inputting the investment conditions into the investment condition registration screen of the purchase management application by the user. 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 allowed to be invested in, whether investment trusts can be purchased, up to a certain amount per month, and the like.

[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 the recommendation information, which is transmitted from the server device 10 and recommends the timing of selling the item, 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 a confirmation before the sale is requested by the user.

[0036] When a display request is received from the user, the history display control unit 237 displays the sales history of an item or the management status of a financial product on the screen of a 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 link the sale of goods with the management of financial products.

[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 communication regarding various information. For example, the communication unit 11 controls communication between the user terminal 20, the item buying server 30, and the financial product buying and selling server 40. For example, the communication unit 11 receives various registration information from the user terminal 20 and outputs it to the control unit 13. The communication unit 11 communicates with the item buying and selling server 30 and transmits and receives information regarding the item selling process. The communication unit 11 also communicates with the financial product buying and selling server 40 and transmits and receives information regarding 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 sale conditions 123, investment conditions 124, product sale history information 125, and management information 126.

[0041] The user information 121 includes various information related to 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 has items such as the user's identification information, the user's gender, age, and family structure. 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 composition "husband, child (age 4)" for user "U1". The user information 121 registers the gender "female", age "60s", and family composition "husband, daughter, daughter's spouse, grandchild (age 4)" for user "U2".

[0043] The item information 122 includes various information related to 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 status, 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 of the item.

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

[0045] The item sale conditions 123 include various information related to the item sale 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 sale conditions 123 shown in Fig. 3. As shown in Fig. 6, the item sale conditions 123 have 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's operation on the user terminal 20 via a purchase and management application.

[0046] For example, the item sale conditions 123 include the following registered for a "game console" owned by user "U1": minimum transaction price is "X" yen, transaction medium is "CtoC", shipping fee is "x" yen, target of 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 bonds can be purchased, whether or not financial products from emerging countries can be purchased, brands for which investment is not allowed, whether or not investment trusts can be purchased, 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. Furthermore, the investment objective is the investment objective of each user set by the investment objective setting unit 136 (described later).

[0049] The item sales history information 125 is a sales history of items owned by each user who uses the purchase and management service. For example, the user's identification information, information on the items 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 on 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 and loss, and profit and loss change 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 required 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 sale conditions acquisition unit 133 registers the item sale conditions transmitted from the user terminal 20 of the user who uses the purchase management service in the item sale 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 in 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 among the items registered with the user based on the user's age, family structure, and / or kinship structure, and determines the timing of selling 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 4 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 of selling the stroller based on the past year's market price of the stroller and the forecast of the 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 a push notification, etc.

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

[0062] In the case of user "U2", the investment objective setting unit 136 sets the objective to prepare for the birthday celebration of his grandchild (age 4) (25,000 yen per year) through investment. In the case of user "U3", the investment objective setting unit 136 sets the objective 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 that require prior approval for the sale of the item. For example, the recommendation unit 137 transmits recommendation information to the user terminal 20 that recommends the selling timing in percentages for CtoC and BtoC channels for a "necklace" registered by the user "U2" based on the buying and selling market price over the past five years and market forecasts. The user terminal 20 outputs the item determined to be sold and the selling timing on the screen of the purchase operation application or by push notification, etc.

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

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

[0067] When the item sale processing unit 138 receives permission to sell the item indicated in the recommendation information from the user terminal 20 in response to the recommendation information sent by the recommendation unit 137 for a user and item for which prior approval for the sale of the item is required, 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 proceeds of the sale of the item, minus a commission fee, to the user's account or the like. However, the proceeds of the sale may be used directly for investment management, or a certain amount of the proceeds of the sale may be used for investment management.

[0068] The management processing unit 139 makes an investment decision, and automatically purchases financial products using the profit from the sale of the product in accordance with the investment conditions registered by the user who sold the product. The management processing unit 139 also automatically sells financial products in accordance with the investment conditions registered by the user. The management 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 management processing unit 139 may also refer to the product information 122 and automatically select investment destinations and investment methods based on the trends of the products held by each user.

[0069] 8 and 9, the process 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 the 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 purchase operation application on the screen of the user terminal 20-U1 (FIG. 8) used by the user "U1".

[0072] The recommendation information N1 includes an investment purpose and an item to be sold that is 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 backpacks! *Prepare for education expenses with investments, not education insurance!"

[0073] In this way, the server device 10 picks up 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 picking up items to sell, the timing to sell, and the investment objectives, and can proceed with investments according to their respective goals based on the history of items sold.

[0074] As described above, the server device 10 sets an investment objective for each user according to the life plan of each user, so that each user can start and continue investing according to the investment objective that suits him / her. In other words, instead of investing to increase money, users can invest according to 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 for selling 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 the 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 diamond jewelry. *It is in the top 10% of the highest price in the past 5 years. The market forecast shows that the price is on a downward trend, so the probability of the time to sell is 80%." Like this recommendation information, the server device 10 recommends the probability of the time to sell in percentages for CtoC and BtoC channels to a user who wants to sell diamond jewelry, for example, based on the buying and selling market price in the past 5 years and the market forecast, so as 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 general users to know the market prices of various items, the server device 10 provides extensive information to support the timing of selling in order to reliably increase investment funds. This increases the frequency with which users access the purchase management application, allowing them to actively advance their investments.

[0078] In addition, based on the determination result by the item sale determination unit 135, if there are any items owned by the user that are not included in the sale items 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 the sale proceeds are used to sell this item A, how much investment return can be expected in the future, and therefore a 'selling decision' has been made."

[0080] The server device 10 also causes the user terminal 20 to output a push notification stating that "it is expected that the value of the item B will increase by keeping it, so it is 'keep decision'." 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 with reference to Fig. 10. Fig. 10 is a sequence diagram showing the procedure of the registration process according to the embodiment.

[0082] 10, first, the user operates the user terminal 20 to register user information, register items owned by the user, register buying and selling conditions for the items, and register investment conditions (steps S1, S3, S5, and S7). The registered user information, item information, item buying and selling conditions, 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 among the items registered with 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] [Sales Processing] Next, the registration process of the processing method according to the embodiment will be described below. Fig. 11 is a sequence diagram showing the 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 timing to sell the item to be sold (step S21). If it is not the timing to sell the item to be sold (step S21: No), the server device 10 returns to step S21.

[0087] If it is the 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), the server device 10 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 operation process of the processing method according to the embodiment will be described below. Fig. 12 is a sequence diagram showing the processing procedure of the operation process according to the embodiment.

[0090] 12, in the server device 10, the management processing unit 139 performs investment judgment and judges whether it is the timing to buy or sell financial products (step S31). If it is not the timing 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 a financial product (step S31: Yes), the server device 10 uses the profit from the sale of the product to automatically buy or sell the financial product according to the investment conditions registered by the user who sold the product (step S32).Then, the server device 10 transmits the management 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 manner, the server device 10 according to the embodiment predicts the market price of the item registered by the user, and determines the timing of selling the item registered by the user. Based on the result of this determination, the server device 10 performs a process of selling the item registered by the user to an item purchasing business, and also makes an investment decision and uses the profit from the sale of the item 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 the user having to go through complicated procedures related to sales or the management of financial products.

[0095] That is, from the user's perspective, it appears that the unwanted items are directly exchanged for financial products. The unwanted items are sold and converted into money, and this money is used as the starting point, so there is no need to prepare investment funds. And, since the server device 10 automatically uses the profits from the sale of the items to manage the operation, the user does not need to process which securities company to invest in and how much, and when and how much of which financial products to sell.

[0096] In this way, the server device 10 can automate the user's "process of converting unwanted items into money" and "process of converting money into stocks," thereby reducing the number of decisions the user must make and lowering the barrier to investment.

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

[0098] In addition, the server device 10 automatically sells the item registered to 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 perform the cumbersome process of selling the item to be sold to a purchasing business.

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

[0100] In addition, the server device 10 sets an investment objective based on the user's attributes and family structure, and automatically purchases and / or sells financial products based on the set investment objective. This allows users to invest according to their investment objectives, rather than investing to increase their money, and thus increases their motivation to buy and sell unwanted items while 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 not cash prepared by the user himself, but profits from selling the user's unwanted items. Therefore, even if the value of the financial product being managed falls, the user does not lose the cash he or she had, so the user does not feel much stress when managing the product. Therefore, according to the embodiment, the hurdle for the user to invest is lowered, and the user can experience crab investment (successful investment) with a theme that suits him or her.

[0102] In addition, a scene 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 will be described. For example, assumed users include a first user who has no principal but wants to try investing, and a second user who is not young and thinks that investing in cash is high risk. The main target is beginner investors who avoid the risk of losing their principal.

[0103] For example, user "U1" is worried about his child's education funds, but has no money to invest because daily living costs money. In response, user "U1" registers unwanted baby products as items to be sold in a buy-back management application. User "U1" was able to sell the stroller and children's clothes for more than expected, which enabled him to start investing. The initial sales amount was 50,000 yen, but he is able to manage the money with an annual investment gain of about 5%. User "U1" plans to continue selling children's clothes and other items in order to achieve his investment goal of saving for education in 10 years' time, which is his motivation for continuing to invest.

[0104] In the case of user "U2," although the current money is necessary for their lifestyle, they are thinking of disposing of paintings, vases, and gold that they own to add to their inheritance. Therefore, user "U2" registered the purchased pure gold accessories and vases as items to be sold in the purchase and management application, and was able to sell them for a higher price than expected. The sale proceeds were 500,000 yen, which allows them to invest with an annual investment return of about 5%, and they are able to use the investment return to celebrate their grandchild's (4 years 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 is not currently using as items to be sold in the purchase and management application. In this case, the sale proceeds were 300,000 yen, which is managed with an annual investment return of about 7%, and the user is able to go to lunch (for investment purposes) every month.

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

[0107] [System configuration of the embodiment] The server device 10 is a conceptual functional diagram, 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 the server device 10 can be functionally or physically distributed or integrated in any unit according to various loads, usage conditions, etc.

[0108] Further, all or any part of each process performed in 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. Further, each process performed in 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 by a known method. In addition, the process procedures, control procedures, specific names, and information including various data and parameters described above and shown in the figures can be changed as appropriate unless otherwise specified.

[0110] [program] 13 is a diagram showing an example of a computer in which a program is executed to realize the server device 10. The computer 1000 has, for example, a memory 1010 and a CPU 1020. The computer 1000 also has 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 an 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 by 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 out program module 1093 or program data 1094 stored in memory 1010 or hard disk drive 1090 into RAM 1012 as necessary, and executes the program.

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

[0115] Although the embodiment of the invention made by the present inventor has been described above, the present invention is not limited by the description and drawings that form a part of the disclosure of the present invention according to the present embodiment. In other words, other embodiments, examples, operation techniques, etc. made by those skilled in the art based on the present embodiment are all included in the scope of the present invention. [Explanation of symbols]

[0116] 1 Processing System 10. Server equipment 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 of 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 Terms of Sale of Goods 134 Investment Conditions Acquisition Department 135 Goods Sales Judgment 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 Product Registration Department 233 Registration of Conditions of 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 communication unit that controls communication between a user terminal used by a user, an item purchase server of an item purchaser, and a financial product trading server of a securities company; a user information acquisition unit that registers, in a storage device, user information indicating the age, family structure, and / or kinship structure of the user transmitted from the user terminal via communication between the communication unit and the user terminal; an item information acquiring unit that registers, in a storage device, item information transmitted from the user terminal via communication between the communication unit and the user terminal, the item information indicating an item registered to the user; an item sales conditions acquisition unit that registers, in the storage device, item sales conditions transmitted from the user terminal via communication between the communication unit and the user terminal and registered by the user; an investment condition acquisition unit that registers, in the storage device, investment conditions transmitted from the user terminal through communication between the communication unit and the user terminal; a determination unit that, based on the user information, determines which of the items registered with the user is a first item to be sold, and determines whether or not it is time to sell the first item based on a past buying and selling price for a predetermined period of time of the first item determined as the first item to be sold; a sales processing unit that, when the determination unit determines that it is time to sell the first item, communicates with an item purchase server of a purchase business of the item, and sells the first item to the purchase business in accordance with the item sales conditions; an investment processing unit that communicates with a financial product trading server of the securities company and purchases and / or sells financial products using the profits from the sale of the first item carried out by the sale processing unit in accordance with the investment conditions; A setting unit that sets an investment objective based on the attributes and family structure of the user; having The investment processing unit is a processing device characterized in that it automatically purchases and / or sells financial products in accordance with the investment objective and the investment conditions set by the setting unit.

2. The processing device according to 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.

3. a recommendation unit that, when it is determined by the determination unit 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 permission to sell the item registered to the user is received from the user terminal.

4. A processing method executed by a processing device, comprising: The processing device includes: A communication unit controls communication between a user terminal used by a user, an item purchasing server of an item purchasing agent, and a financial product trading server of a securities company; The processing device comprises: a user information acquisition step of registering, in a storage device, user information indicating the age, family structure, and / or kinship structure of the user transmitted from the user terminal via communication between the communication unit and the user terminal; an item information acquisition step of registering, in a storage device, item information transmitted from the user terminal via communication between the communication unit and the user terminal, the item information indicating an item registered to the user; a product sales condition acquisition step of registering, in the storage device, the product sales conditions transmitted from the user terminal via communication between the communication unit and the user terminal, the product sales conditions registered to the user; an investment condition acquisition step of registering, in the storage device, investment conditions transmitted from the user terminal via communication between the communication unit and the user terminal; a determination step of determining an item to be sold among the items registered to the user based on the user information, and determining whether or not it is time to sell the first item based on a past buying and selling price for a predetermined period of time of the first item determined to be the item to be sold; a selling process step of communicating with an item buying server of a buying business of the item when it is determined in the determining step that it is time to sell the first item to the buying business of the item, and selling the first item to the buying business in accordance with the item selling conditions; an investment processing step of communicating with a financial product trading server of the securities company and purchasing and / or selling financial products using the profits from the sale of the first item carried out in the sale processing step in accordance with the investment conditions; A setting step of setting an investment objective based on the attributes and family structure of the user; having The investment processing step is a processing method characterized in that financial products are automatically purchased and / or sold in accordance with the investment objective and the investment conditions set in the setting step.

5. A processing program for causing a computer to execute a method, comprising: A computer as a processing device having a communication unit for controlling communication between a user terminal used by a user, an item purchase server of an item purchaser, and a financial product trading server of a securities company, a user information acquisition step of registering, in a storage device, user information indicating the age, family structure, and / or kinship structure of the user transmitted from the user terminal via communication between the communication unit and the user terminal; an item information acquisition step of registering, in a storage device, item information transmitted from the user terminal via communication between the communication unit and the user terminal, the item information indicating an item registered to the user; a product sales condition acquisition step of registering, in the storage device, the product sales conditions transmitted from the user terminal via communication between the communication unit and the user terminal, the product sales conditions registered to the user; an investment condition acquisition step of registering, in the storage device, investment conditions transmitted from the user terminal via communication between the communication unit and the user terminal; a determination step of determining an item to be sold among the items registered to the user based on the user information, and determining whether or not it is time to sell the first item based on a past buying and selling price for a predetermined period of time of the first item determined to be the item to be sold; a selling process step of communicating with an item buying server of a buying business of the item when it is determined in the determining step that it is time to sell the first item to the buying business of the item, and selling the first item to the buying business of the item in accordance with the item selling conditions; an investment processing step of communicating with a financial product trading server of the securities company and purchasing and / or selling financial products using the profits from the sale of the first item carried out in the sale processing step in accordance with the investment conditions; A setting step of setting an investment objective based on the attributes and family structure of the user; Run the command, The management processing step is a processing program characterized in that financial products are automatically purchased and / or sold in accordance with the investment objective and the investment conditions set in the setting step.

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