Real Estate Transaction System, Method, and Program

Abstract

To allow both buyer and seller of real estate to profit by trading the real estate using crypto-currency.SOLUTION: In order to achieve the above object, a real estate transaction system according to an embodiment includes a price presentation system and a transaction system. The price presentation system presents a crypto-currency price of real estate to a transaction partner of the real estate. The transaction system trades the real estate with the transaction partner who desires to trade the real estate in response to the presentation of the crypto-currency price of the real estate, and exchanges the amount corresponding to the presented price of the real estate in the crypto-currency.SELECTED DRAWING: Figure 4

Description

Technical Field

[0001] The present invention relates to a real estate transaction system, method, and program.

Background Art

[0002] A system for trading real estate using cryptocurrency is known. For example, Patent Document 1 discloses a system in which a plurality of people jointly purchase real estate and pay the purchase price and brokerage fees in cryptocurrency or fiat currency.

[0003] On the other hand, since the exchange rate between cryptocurrency and fiat currency always fluctuates, a buyer can obtain the benefit of reducing the payment amount in fiat currency if they can pay the purchase price of the real estate in cryptocurrency at an opportune time. Alternatively, a seller can obtain the benefit of increasing the amount received in fiat currency if they can receive the purchase price of the real estate in cryptocurrency at an opportune time.

[0004] Also, a seller of real estate, such as a real estate sales company, can obtain the benefit of increasing the amount received in fiat currency if they can exchange the cryptocurrency received as the purchase price of the real estate for fiat currency at an opportune time. Alternatively, a buyer can obtain the benefit of increasing the amount received in cryptocurrency if they can exchange the fiat currency received as the purchase price of the real estate for cryptocurrency at an opportune time.

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0006] An embodiment of the present invention is made from the above background, and an object thereof is to enable both the buyer and the seller of real estate to obtain benefits by trading real estate using cryptocurrency.

Means for Solving the Problem

[0007] To achieve the above object, the real estate trading system according to the embodiment includes a transaction price presentation system and a transaction system. The price presentation system presents the price of the real estate in cryptocurrency to the real estate trading partner. The transaction system receives the presentation of the price of the real estate in cryptocurrency, conducts a real estate transaction with the trading partner who wishes to conduct a real estate transaction, and exchanges the consideration corresponding to the presented price of the real estate in cryptocurrency.

Brief Description of the Drawings

[0008]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Best Mode for Carrying Out the Invention

[0009] Hereinafter, embodiments will be described in detail with reference to the drawings. In the following, substantially the same components, processes, information, and data in the drawings are given the same reference numerals and names. Also, when indicating any one of a plurality of possible components without specifying it, the subscript of the component reference numeral may be omitted. Also, the devices that can be the subject of information processing may be collectively referred to as "nodes".

[0010] Also, in the drawings, the number and type of components and data are shown by way of example and can be increased, decreased, or changed as appropriate. Also, the order of communication between nodes is shown by way of example and can be changed as appropriate. Also, for the sake of illustration, in each figure, part of the names of components such as "device" and "system" may be omitted as appropriate.

[0011] Also, in the drawings, components not related to the essential description of the invention may be omitted as appropriate. Also, in the following description, m, n, and p are integers of 1 or more, q is an integer of 2 or more, i is an integer from 1 to n, j is an integer from 1 to p, and k is an integer from 1 to q.

[0012] FIG. 1 is a diagram showing the configuration of a real estate transaction system 1 according to an embodiment. As shown in FIG. 1, the real estate transaction system 1 includes an information providing system 102, user terminal devices 14-1 to 14-m, a cryptocurrency trading system 16, a financial institution system 18, and a real estate transaction system 2 that are communicably connected to each other via a communication network 100 such as the Internet.

[0013] The real estate trading system 1 conducts real estate transactions using cryptocurrencies and exchanges the cryptocurrencies used in the transactions with fiat currencies. Note that cryptocurrencies are also called crypto assets and virtual currencies, etc., have liquidity and versatility regardless of the backing by a specific country, and can be used for electronic settlements. There are multiple types of cryptocurrencies, such as Bitcoin (BTC; registered trademark) and Ethereum (ETH; registered trademark).

[0014] Fiat currencies are multiple types of currencies such as the US dollar ($), the euro (Euro), and the Japanese yen (￥), which are defined by the laws of each country and whose value is guaranteed by each country. The exchange rates between multiple types of fiat currencies fluctuate as is well known. Also, any one of multiple cryptocurrencies and any one of multiple types of fiat currencies can be exchanged in the market, and fluctuations called market fluctuations occur in the exchange rates between them.

[0015] Cryptocurrencies have currency units, and currency units are used for the exchange between cryptocurrencies and fiat currencies. However, the exchange between cryptocurrencies and fiat currencies does not have to be done for each currency unit, and cryptocurrencies with currency units having values with decimal points such as 0.01 units can be exchanged with fiat currencies.

[0016] Note that if the user of the user terminal device 14 is a real estate trading partner, they can be either a buyer or a seller. The real estate trading system 2 is used not only for selling real estate but also for purchasing it, and cryptocurrencies and fiat currencies can be mixed for real estate sales.

[0017] However, hereinafter, in order to concretize the explanation and make it easier to understand, mainly the case where the user of the user terminal device 14 is a buyer of real estate, the real estate trading system 2 is used for selling real estate, and cryptocurrencies are used for the payment from the user to the real estate trading system 2 will be explained.

[0018] FIG. 2 is a diagram illustrating the configuration of the hardware 12 as a computer of the information providing system 102, the user terminal device 14, the cryptocurrency trading system 16, the financial institution system 18, and the real estate trading system 2 shown in FIG. 1.

[0019] As shown in FIG. 2, these nodes include a CPU (Central Processing Unit) 122 connected to be able to input and output data to each other via a bus 120, a ROM (Read Only Memory) 124, a RAM (Random Access Memory) 126, a network interface (IF) 128 connected to the communication network 100, an input / output device (I / O) 130 to which a user interface (UI; User Interface) device such as a display and a keyboard is connected, a recording device 132 for writing and reading data to and from a recording medium such as a flash memory and a DVD, and an external device IF 134 to which a printer or the like is connected.

[0020] The components of the real estate trading system 1 may be realized by dedicated hardware, may be realized by the CPU 122 executing software stored in the ROM 124 or the like shown in FIG. 2, or may be realized by a combination of hardware and software.

[0021] The information providing system 102 shown in FIG. 1 is a system operated by a bank or the like, and provides information indicating the exchange rate between the legal currencies of each country to the real estate trading system 2 or the like.

[0022] The user terminal device 14 is a personal computer, a smartphone, or the like, and is used, for example, by a user having an account in the real estate trading system 2 to trade real estate using cryptocurrency with the real estate trading system 2. Hereinafter, a user having an account in the real estate trading system 2 and using the user terminal device 14 is also simply referred to as a user.

[0023] The financial institution system 18 is operated by a financial institution such as a bank and handles fiat currency. FIG. 3 is a diagram illustrating a wallet and a bank account used for cryptocurrency transactions in the real estate transaction system 1 shown in FIG. 1.

[0024] In the financial institution system 18, a bank account is used for the exchange of a user's cryptocurrency and fiat currency, the exchange of cryptocurrency and fiat currency in the real estate transaction system 2, and the transfer of fiat currency between the cryptocurrency transaction system 16 and the financial institution system 18. Hereinafter, the user's account in the financial institution system 18 is referred to as the user account 180, the account in the real estate transaction system 2 is referred to as the transaction account 182, and the account in the cryptocurrency transaction system 16 is referred to as the cryptocurrency transaction account 184.

[0025] The cryptocurrency transaction system 16 is operated by a company that operates a cryptocurrency exchange under names such as Coinbase (registered trademark), Binance (registered trademark), and bitFlyer (registered trademark). The cryptocurrency transaction system 16 conducts the payment of cryptocurrency from the user to the real estate transaction system 2 and the exchange of cryptocurrency and fiat currency for the user and the real estate transaction system 2.

[0026] As shown in FIG. 3, a mechanism generally called a wallet (purse) is used for sales such as the payment and exchange of cryptocurrency in the real estate transaction system 1. In the cryptocurrency transaction system 16, one or more wallets are created for each of the real estate transaction system 2 and the user. However, wallets can be created not only in the cryptocurrency transaction system 16 but also in other nodes such as the real estate transaction system 2.

[0027] Hereinafter, the user's wallet created in the cryptocurrency transaction system 16 is also referred to as the user wallet 160, and the wallet of the real estate transaction system 2 in the cryptocurrency transaction system 16 is also referred to as the trader wallet 162. Also, the wallet in the real estate transaction system 2 is also referred to as the real estate transaction wallet 28.

[0028] The real estate trading system 2 shown in FIG. 1 sells real estate to users and receives payment for the real estate from users in cryptocurrency. Further, the real estate trading system 2 provides exchange rate information indicating the exchange rate between cryptocurrency and fiat currency to the user terminal device 14 and causes it to be displayed to the user. Further, the real estate trading system 2 performs a settlement to exchange a part or all of the unsettled portion of the cryptocurrency received from the user in the sale of a plurality of real estates that has not been exchanged for fiat currency into fiat currency.

[0029] FIG. 4 is a diagram showing the configuration of the real estate trading system 2 shown in FIG. 1. As shown in FIG. 4, the real estate trading system 2 includes a trading system 20, a wallet system 22, and an exchange rate presentation system 24 as subsystems.

[0030] The trading system 20 includes a customer management device 200, a customer database device (DB) 202, a trading device 204, a real estate management device 210, and a real estate DB 212. The wallet system 22 is a settlement system that performs a settlement to exchange cryptocurrency for fiat currency using the wallet described above, and includes a settlement device 220, a settlement DB 222, a reception device 224, and an exchange device 226. The exchange rate presentation system 24 includes a prediction device 240, a chart creation device 242, a recommendation device 244, and a presentation device 246.

[0031] The customer management device 200 of the trading system 20 creates an account for each user in the real estate trading system 2 using the account information input from the user terminal device 14. Further, the customer management device 200 authenticates the user using the account information and performs processes for the user to log in to and log out of the real estate trading system 2.

[0032] In addition, the customer management device 200 creates transaction history information indicating the history of transactions conducted between each user and the real estate transaction system 2 from the transaction information input from the transaction device 204. The customer management device 200 creates customer information by associating account information with the transaction history information, outputs it to the wallet system 22, and stores it in the customer DB 202.

[0033] FIG. 5 is a chart illustrating the customer information stored in the customer DB 202 shown in FIG. 4. The user information includes a plurality of entries, and each of the plurality of entries includes account information and transaction history information as shown in FIG. 5. The account information includes data indicating a user identifier (ID) that uniquely identifies the user, authentication information such as a password and an image of the user's face, a cryptocurrency address used for the user to pay cryptocurrency to the real estate transaction system 2, the user's name or title, and the user's address or residence.

[0034] The transaction history information includes transaction information #1 to #i to #n indicating n real estate transactions from the real estate transaction system 2 to the user indicated by the user ID. However, before a real estate transaction is conducted between the real estate transaction system 2 and the user indicated by the user ID, the transaction history information indicates that no real estate transaction has been conducted.

[0035] The transaction information #i includes data indicating a transaction ID #i that uniquely indicates the transaction, a real estate ID that uniquely indicates the real estate targeted by the transaction indicated by the transaction ID #i, a transaction state, and a price.

[0036] In addition, the transaction state indicates the state of the transaction, such as a state where the user has reserved a purchase with the real estate transaction system 2, a state where the reservation has been executed and a contract has been reached but the payment has not been made, or a state where the payment has been made after the contract has been reached and the reservation has been completed. The price indicates the selling price of the real estate presented to the user or the actual payment for the real estate in legal tender, for example, Japanese yen.

[0037] The real estate management device 210 receives input from a UI device or the like of the real estate trading system 2, creates real estate information used for the real estate trading system 2 to sell real estate to users, and stores it in the real estate DB 212.

[0038] FIG. 6 is a chart showing the real estate information stored in the real estate DB 212 shown in FIG. 4. The real estate information includes a plurality of entries, and each of the plurality of entries includes data indicating the real estate ID of the real estate to be traded, the trading price of the real estate in legal tender, the trading price of the real estate in cryptocurrency, the content of the registration certificate of the real estate, an image of the real estate, and the like, as shown in FIG. 6. The customer management device 200 transmits the real estate information in response to a request from the user terminal device 14, and presents it to the user via a display or the like of the UI device for reference in the purchase of real estate by the user.

[0039] When the user indicates an intention to reserve or purchase the real estate specified by the real estate ID via the user terminal device 14, the trading device 204 conducts the sale of this real estate, the reservation of the sale, and the sale by the completion of the reservation. In addition, when selling real estate, the trading device 204 receives the payment in cryptocurrency. Further, the trading device 204 outputs the result of the sale of the real estate to the wallet system 22.

[0040] The wallet system 22 realizes the functions of the real estate trading wallet 28 shown in FIG. 3 and manages cryptocurrency and legal tender in the real estate trading system 2. The settlement device 220 of the wallet system 22 creates wallet information used for settlement to exchange the cryptocurrency paid as the price by the user for legal tender in the sale of real estate, and stores it in the settlement DB 222.

[0041] FIG. 7 is a chart showing wallet information stored in the settlement DB 222 shown in FIG. 4. The wallet information is used for the realization of the real estate transaction wallet 28 shown in FIG. 3. The wallet information includes a plurality of entries, and each of the plurality of entries includes a user ID and settlement history information as shown in FIG. 7. The settlement history information includes settlement information #1 to #p corresponding to p real estate transactions between the real estate transaction system 2 and the user indicated by the user ID.

[0042] The settlement information #j includes data indicating a real estate ID for specifying the real estate that is the subject of the transaction, a fiat currency price, a cryptocurrency price, and a settlement status. The fiat currency price indicates the amount of fiat currency billed to the user from the real estate transaction system 2 as the price of the real estate in the transaction contract.

[0043] The cryptocurrency price indicates the type and unit value of the cryptocurrency paid as the consideration for the real estate from the user to the real estate transaction system 2. In other words, the cryptocurrency price indicates the type and unit value of the cryptocurrency that could have been exchanged equivalently with the fiat currency price at the time of payment of the consideration for the real estate. The settlement status indicates whether the cryptocurrency of the type and unit value indicated by the cryptocurrency price has been exchanged for fiat currency and settled, or is in an unsettled state where it has not been exchanged.

[0044] The reception device 224 receives an operation for causing the operator of the real estate transaction system 2 to exchange cryptocurrency for fiat currency, and notifies the exchange device 226. The exchange device 226 automatically exchanges cryptocurrency for fiat currency in response to the operation via the reception device 224, or at a timing indicated that a profit will be obtained based on the recommended information input from the exchange rate presentation system 24.

[0045] Note that when the exchange device 226 automatically exchanges cryptocurrency for fiat currency, it selects a combination of the unit value of each of the plurality of types of cryptocurrency and each of the plurality of types of fiat currency so as to obtain the maximum profit.

[0046] The prediction device 240 obtains data indicating the exchange rate information between multiple fiat currencies and the exchange rate information between each of the multiple fiat currencies and each of the multiple types of cryptocurrencies from the information providing system 102 and the cryptocurrency trading system 16 shown in FIG. 1, for example, at intervals of once a minute over time. The prediction device 240 sequentially stores the acquired exchange rate information in the exchange rate DB 250. As a result, the exchange rate DB 250 will store exchange rate information for, for example, more than five years.

[0047] Among the data indicating the exchange rates between fiat currencies and cryptocurrencies acquired by the prediction device 240 over time, for example, the data from five years ago until now is read out and processed to predict the future exchange rates between fiat currencies and cryptocurrencies. The prediction device 240 outputs the prediction results to the chart creation device 242 and the recommendation device 244.

[0048] Hereinafter, the exchange rate prediction by the prediction device 240 will be further described. The prediction device 240 statistically analyzes the trend in the exchange rate fluctuations between fiat currencies and cryptocurrencies and performs trend analysis processing. As a result of this trend analysis, the prediction device 240 obtains a linear trend indicating whether the exchange rate fluctuation is in an upward state, a downward state, or an equilibrium state.

[0049] In addition, as a result of this trend analysis, the prediction device 240 obtains a seasonal trend that occurs seasonally on an annual basis, a periodic trend that repeats on a weekly basis, a periodic trend that repeats on a daily basis, a trend affected by holidays, and a trend corresponding to the half-life of the cryptocurrency. Note that the half-life of a cryptocurrency is, for example, a cycle provided to adjust the creation amount of the cryptocurrency, such that every time 210,000 units of Bitcoin are created, the mining amount is halved.

[0050] In addition, when there is a large - scale exchange between fiat currency and cryptocurrency suddenly or exceptionally, the prediction device 240 performs outlier processing to eliminate fluctuations that have an adverse effect on accurately grasping trends from these trends. As described above, the prediction device 240 processes the six types of trends obtained by trend analysis and the result of outlier processing in chronological order to obtain seven types of base data.

[0051] In addition, the prediction device 240 extracts the chronological changes of each of the seven types of base data and the chronological changes of the exchange rate accompanying this change. That is, the prediction device 240 extracts, as a plurality of feature amounts, patterns indicating how the exchange rate changes chronologically when each of the base data changes chronologically. Each of these plurality of feature amounts indicates, for example, how the fluctuation rate increases when each of the plurality of feature amounts changes.

[0052] The prediction device 240 further performs processing using an AI (Artificial Intelligence) - like method on the plurality of feature amounts extracted by the above - described statistical processing.

[0053] In the processing using an AI - like method, the prediction device 240 automatically obtains combinations of the extracted plurality of feature amounts. Note that the number of types of these combinations is given by the mathematical formula "number of combinations = qC1+qC2+···+qCk+···qCq" when there are q types of feature amounts.

[0054] In addition, the prediction device 240 treats each combination of the plurality of feature amounts as a new feature amount, and extracts a plurality of new feature amounts that increase the fluctuation rate of the exchange rate and their patterns. Also, the prediction device 240 extracts a priority indicating which one to give priority to in predicting the exchange rate when these plurality of new feature amounts and their patterns occur simultaneously. Further, the prediction device 240 extracts the causal relationship between these plurality of new feature amounts and their patterns.

[0055] Further, the prediction device 240 performs a simulation of future exchange rates based on the plurality of newly extracted feature amounts, their patterns, their priorities, and the causal relationships between them.

[0056] Also, the prediction device 240 adopts the feature amount and its pattern that are predicted to have the greatest impact on future exchange rates based on the results of this simulation. The prediction device 240 performs an exchange rate prediction using the feature amount and its pattern thus adopted, and outputs the result of this prediction to the chart creation device 242.

[0057] The chart creation device 242 generates prediction information indicating, in the form of a chart, the exchange rate between the fiat currency and the cryptocurrency from the past to the present and the result of the exchange rate prediction by the prediction device 240, and outputs it to the presentation device 246.

[0058] The recommendation device 244 generates data for recommending the timing at which a user who has concluded a real estate purchase contract from the real estate trading system 2 can pay the real estate price in cryptocurrency and make a profit, and outputs it to the presentation device 246. Also, the recommendation device 244 generates recommendation information for recommending the timing at which the real estate trading system 2 can exchange the owned cryptocurrency for a plurality of types of fiat currencies and make a profit, and outputs it to the exchange device 226.

[0059] The presentation device 246 outputs the prediction information input from the chart creation device 242 and the recommendation information input from the recommendation device 244 to a display of the UI device of the user terminal device 14 and the like for display, and presents them to the user.

[0060] FIG. 8 is a flowchart showing the processing of the recommendation device 244 shown in FIG. 4. As shown in FIG. 8, in step S100, the recommendation device 244 reads out the wallet information shown in FIG. 7 from the settlement DB222 via the settlement device 220. The recommendation device 244 further aggregates the types and unit values of the cryptocurrencies in an unsettled state.

[0061] In step S102, the recommendation device 244 acquires information indicating the exchange rate between a plurality of fiat currencies from the information providing system 102 shown in FIG. 1. Further, the recommendation device 244 acquires exchange rate information indicating the exchange rate between each of a plurality of types of cryptocurrency and each of a plurality of types of fiat currency from the cryptocurrency trading system 16 or the like.

[0062] In step S104, the recommendation device 244 calculates the amount of profit or loss value when exchanging each of a plurality of types of cryptocurrency and each of a plurality of types of fiat currency as the amount in a specific fiat currency, for example, Japanese yen.

[0063] In step S106, the recommendation device 244 determines whether a profit is made when exchanging one or more types of cryptocurrency for one or more types of fiat currency. When a profit is made (Y in the process of S106), the recommendation device 244 proceeds to the process of S108, and when no profit is made (N in the process of S106), the process ends.

[0064] In step S108, the recommendation device 244 calculates one or more combinations of the types of cryptocurrency and the types of fiat currency that result in a profit through the exchange. Further, the recommendation device 244 calculates the amount in a specific fiat currency of the profit obtained per unit of cryptocurrency in this combination. The recommendation device 244 creates recommendation information indicating the combination of cryptocurrency and fiat currency and the amount of profit, and presents it to the user terminal device 14 via the presentation device 246 and outputs it to the wallet system 22.

[0065] Hereinafter, the operation of the real estate trading system 1 will be described with reference to the communication sequence diagram. FIG. 9 is a first communication sequence diagram showing the operation of the real estate trading system 1 shown in FIG. 1. Note that FIG. 9 shows the processing in the real estate trading system 1 until the user creates an account, concludes a contract for the purchase of real estate, and pays the price of the real estate in cryptocurrency.

[0066] In the process of step S120, the real estate management device 210 creates the real estate information shown in FIG. 6 and stores it in the real estate DB 212.

[0067] In step S122, the transaction device 204 reads the real estate information from the real estate DB 212, transmits it to the user terminal device 14, and presents it to the user. Note that the real estate information presented to the user in the process of S122 includes only the selling price of the real estate in cryptocurrency, or both the selling price of the real estate in cryptocurrency and legal tender.

[0068] In step S124, the attribute management device 204 makes a contract for the sale of real estate with the user.

[0069] In step S130, the user accesses the cryptocurrency trading system 16 via the user terminal device 14 and purchases cryptocurrency using the user wallet 160 of the cryptocurrency trading system 16 shown in FIG. 3.

[0070] In step S132, the cryptocurrency trading system 16 accesses the financial institution system 18 and bills the user for the purchase price of the cryptocurrency in legal tender.

[0071] In step S134, the financial institution system 18 receives payment in legal tender from the user account 180 of the user who purchased the cryptocurrency and stores the cryptocurrency in the user wallet 160.

[0072] In step S136, the user instructs the cryptocurrency trading system 16 via the user terminal device 14 to pay the real estate price in cryptocurrency to the real estate trading system 2.

[0073] In step S138, the cryptocurrency trading system 16 moves the value of the unit corresponding to the real estate price among the user's cryptocurrency stored in the user wallet 160 to the trader wallet 162 and notifies the user via the user terminal device 14 that the payment has been made.

[0074] In step S160, the settlement device 220 manages the wallet that adds the settlement information #p of the sold real estate to the wallet information shown in FIG. 7. Further, the settlement device 220 notifies the customer management device 200 of the details of the real estate sale. The customer management device 200 manages the user information by adding the transaction information #n to the user information shown in FIG. 5. Through the above operations, the sale of real estate from the real estate transaction system 2 to the user is completed.

[0075] Note that when the user stores cryptocurrency sufficient to pay for the real estate in the user wallet 160 of the cryptocurrency trading system 16, the processes of S130 to S134 do not necessarily have to be performed. In this case, simply, a portion corresponding to the price of the real estate among the cryptocurrency stored in the user wallet 160 is transferred to the seller wallet 162.

[0076] FIG. 10 is a second communication sequence diagram showing the operation of the real estate transaction system 1 shown in FIG. 1. Note that FIG. 10 shows the processes in the real estate transaction system 1 until the user creates an account, reserves the purchase of real estate, and pays for the real estate with cryptocurrency.

[0077] In step S140, the transaction device 204 reads the real estate information from the real estate DB 212, transmits it to the user terminal device 14, and presents it to the user. Note that the real estate information presented to the user in the process of S140 includes both the legal price and the selling price of the real estate in cryptocurrency, or only one of these.

[0078] In step S170, the prediction device 240 predicts the future exchange rate between cryptocurrency and fiat currency, and outputs it to the chart creation device 242 and the recommendation device 244.

[0079] In step S172, the chart creation device 242 creates a chart of the exchange rate from the past to the future, displays it on the user terminal device 14 via the presentation device 246, and presents it to the user.

[0080] In step S174, the user reserves the purchase of the real estate presented using the user terminal device 14.

[0081] In step S176, the transaction device 204 receives the reservation from the user, transmits information indicating that the reservation has been received to the user terminal device 14, and shows it to the user.

[0082] In step S180, the recommendation device 244 performs the process shown in FIG. 8, creates recommendation information, and outputs it to the wallet system 22.

[0083] In step S182, the recommendation device 244 transmits the recommendation information to the user terminal device 14 via the presentation device 246 to present it to the user.

[0084] In step S184, when the user determines that it is a timing suitable for paying the real estate price with cryptocurrency, the user accesses the transaction device 204 via the user terminal device 14 and concludes a principal contract for the sale of the real estate from the real estate transaction system 2 to the user.

[0085] In addition to the above operations, the operations of S130 to S160 described with reference to FIG. 9 are performed, and the sale of the real estate from the real estate transaction system 2 to the user is completed.

[0086] Note that in the operation of the real estate transaction system 1 shown in FIG. 10, it is not necessary for the user to reserve the purchase of the real estate from the real estate transaction system 2, and the principal contract and payment of the price may be made between the user and the real estate transaction system 2 without reservation.

[0087] Also, although the case where the user becomes the buyer of the real estate has been described above, by appropriately changing the operation of the real estate transaction system 2, even when the user becomes the seller of the real estate, it is possible to recommend to the user the timing to receive the proceeds from the sale of the real estate at an appropriate timing.

[0088] In addition to presenting the amount of profit to the user when a profit occurs, by presenting the amount of loss when a loss occurs, an opportunity to cut losses can be given to the user. Also, the user wallet 160 and the seller wallet 162 do not have to be in the cryptocurrency trading system 16, and may be in the real estate trading system 2.

[0089] FIG. 11 is a third communication sequence diagram showing the operation of the real estate trading system 1 shown in FIG. 1. Note that FIG. 11 shows a process in which, in the real estate trading system 1, the real estate trading system 2 conducts a settlement to exchange a cryptocurrency managed by the real estate trading wallet 28 for a fiat currency.

[0090] As shown in FIG. 11, in step S200, the recommendation device 244 further totals the types and unit values of the cryptocurrencies in an unsettled state.

[0091] In step S202, the prediction device 240 acquires the exchange rate between fiat currencies from the information providing system 102.

[0092] In step S204, the prediction device 240 acquires the exchange rate between the cryptocurrency and the fiat currency from the cryptocurrency trading system 16.

[0093] In step S180, the recommendation device 244 performs the process shown in FIG. 8, creates recommendation information, and outputs it to the wallet system 22.

[0094] In step S220, when it is shown that a profit is generated by the recommendation information, the exchange device 226 exchanges some or all of each of the plurality of types of cryptocurrencies stored in the real estate trading wallet 28 for each of the plurality of types of fiat currencies in accordance with the recommendation information in the cryptocurrency trading system 16.

[0095] In step S222, the cryptocurrency trading system 16 exchanges the cryptocurrency of the real estate trading system 2 stored in the seller wallet 162 for fiat currency according to the instruction from the real estate trading system 2 in S220.

[0096] In step S224, the cryptocurrency trading system 16 instructs the financial institution system 18 to transfer the fiat currency corresponding to the cryptocurrency exchanged in the process of S222 from the cryptocurrency trading account 184 to the sales account 182.

[0097] In step S226, the cryptocurrency trading system 16 notifies the exchange device 226 that the cryptocurrency has been exchanged for fiat currency.

[0098] In step S228, the financial institution system 18 makes the transfer according to the instruction in the process of S224.

[0099] In step S230, the financial institution system 18 notifies the exchange device 226 that the transfer has been made.

[0100] In step S240, the settlement device 220 manages the wallet to reflect that the real estate has been settled in the wallet information shown in FIG. 7.

[0101] In the above, the case where the cryptocurrency stored in the seller wallet 162 is exchanged for fiat currency to obtain a profit has been described. However, by appropriately changing the operation of the real estate trading system 2, it is also possible to exchange fiat currency for cryptocurrency to obtain a profit.

[0102] Although embodiments of the present invention have been described, these embodiments are presented by way of example and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other forms, and various omissions, replacements, and changes can be made without departing from the gist of the invention. These embodiments and their modifications are included in the scope and gist of the present invention and are included in the invention described in the claims and the equivalent scope thereof.

Explanation of Reference Numerals

[0103] 1 Real estate trading system, 100 Communication network, 102 Information providing system, 12 Hardware, 120 Bus, 122 CPU, 124 ROM, 126 RAM, 128 Network IF, 130 Terminal IF, 132 Recording device, 134 External device IF, 14 User terminal device, 16 Cryptocurrency trading system, 160 User wallet, 162 Trader wallet, 18 Financial institution system, 180 User account, 182 Trading account, 184 Cryptocurrency trading account, 2 Real estate trading system, 20 Trading system, 200 Customer management device, 202 Customer DB, 204 Trading device, 210 Real estate management device, 212 Real estate DB, 22 Wallet system, 220 Settlement device, 222 Settlement DB, 224 Reception device, 226 Switching device, 24 Exchange rate display system, 240 Prediction device, 244 Recommendation device, 246 Display device, 250 Exchange rate DB,

Claims

1. A price presentation system for presenting the cryptocurrency price in real estate cryptocurrency to one or more users who are the trading partners of the real estate, A customer database storing the account information of the user, a real estate database storing the real estate ID of the real estate and the cryptocurrency price corresponding to the real estate ID, and when the user indicates an intention to reserve or purchase the real estate specified by the real estate ID via a user terminal, a trading system having a trading device for conducting a sale or a reservation of the sale of the real estate, A settlement system having a settlement device and a settlement database, and performing a settlement for exchanging the cryptocurrency for legal tender, An information acquisition device for acquiring information indicating the exchange rate between a plurality of the legal tenders, acquiring exchange rate information indicating the exchange rate between each of a plurality of types of the cryptocurrencies and each of a plurality of types of the legal tenders from a cryptocurrency trading system, and calculating a profit or loss when each of a plurality of types of the cryptocurrencies is exchanged with each of a plurality of types of the legal tenders for a specific one of the legal tenders, Comprising: The trading device reads real estate information including the cryptocurrency price from the real estate database, presents the real estate information to the user stored in the customer database, and outputs the result of the sale of the real estate to the settlement system for the user who wishes to trade the real estate, The settlement device creates wallet information used for settlement for exchanging the cryptocurrency paid as a consideration from the user due to the sale of the real estate into the legal tender, and stores the wallet information in the settlement database, The cryptocurrency trading system has a user wallet corresponding to the user and storing the cryptocurrency, and upon receiving a trading request for the real estate from the user, pays the seller of the real estate a cryptocurrency having a value corresponding to the consideration of the real estate from the cryptocurrency stored in the user wallet, Real estate trading system.

2. The recommendation device according to claim 1, which determines whether a profit is obtained when one or more types of the cryptocurrencies are exchanged for one or more types of the legal tenders.

3. An exchange rate database storing the past exchange rate between the legal tender and the cryptocurrency of the real estate, A prediction device that creates prediction information for predicting the exchange rate between the fiat currency and the cryptocurrency in the future based on the past exchange rate; The real estate trading system according to claim 1 or 2, comprising the same.

4. The prediction device analyzes the trend of the past exchange rate of the fiat currency and the cryptocurrency over time for a plurality of different periods, obtains the trend in each of the plurality of periods, and predicts at least one trend in the future based on the trends in the plurality of periods. The real estate trading system according to claim 3.

5. The real estate trading system according to claim 3 or 4, further comprising a presentation device that presents exchange rate information including the created prediction information to the trading partner.

6. The real estate trading system according to any one of claims 1 to 5, comprising an exchange rate presentation system that presents the exchange rate to a trading partner of real estate.

7. The recommendation device provides the trading partner with recommendation information indicating at least one of the combination of the cryptocurrency and the fiat currency and the amount of the profit. The real estate trading system according to any one of claims 1 to 6.

8. The recommendation device calculates the profit when at least a part of the cryptocurrency in an unsettled state is exchanged with the fiat currency. The settlement system is as follows: A settlement database that stores settlement information associating the value of the currency unit of the cryptocurrency received and transferred in each of the plurality of real estate transactions, the amount when the received cryptocurrency is exchanged for the fiat currency at the time of receipt, and whether the received cryptocurrency has been exchanged for the fiat currency and is in a settled state or the received cryptocurrency has not been exchanged for the fiat currency and is in an unsettled state; An exchange device that exchanges at least a part of the cryptocurrency in the unsettled state with the fiat currency when a profit is obtained based on the stored settlement information; Comprising: The cryptocurrency trading system transfers the fiat currency corresponding to the cryptocurrency exchanged by the exchange device from the cryptocurrency trading account to the trading account in a financial institution system that handles the fiat currency and has a cryptocurrency trading account and a trading account. The cryptocurrency trading account is an account of the cryptocurrency trading system, and the trading account is an account of the real estate trading system. The real estate trading system according to any one of claims 1 to 7.

9. The cryptocurrency trading system exchanges the cryptocurrency for a plurality of types of the fiat currency, The settlement information stored in the settlement database associates the value of the unit of the received cryptocurrency, the amount when the received cryptocurrency is exchanged for each of the plurality of fiat currencies, and whether the received cryptocurrency is in a settled or unsettled state, The exchange device exchanges at least a part of the cryptocurrency in the unsettled state for one or more of the plurality of types of fiat currency that gives the greatest profit when sold, The real estate trading system according to claim 8.

10. A real estate trading method in a real estate trading system including a price presentation system, a trading system, a settlement system, and a recommendation device, The trading system includes a customer database storing user account information, a real estate database storing a real estate ID of a real estate and a cryptocurrency price corresponding to the real estate ID, and when the user indicates an intention to reserve or purchase the real estate specified by the real estate ID via a user terminal, a trading device that conducts a sale or a reservation of the sale of the real estate, The settlement system includes a settlement device and a settlement database, A price presentation step in which the price presentation system presents the cryptocurrency price in the cryptocurrency of the real estate to one or more of the users who are the trading partners of the real estate, A recommendation step in which the recommendation device acquires information indicating the exchange rates between a plurality of fiat currencies, acquires exchange rate information indicating the exchange rates between each of the plurality of types of the cryptocurrency and each of the plurality of types of the fiat currency from a cryptocurrency trading system, and calculates the profit or loss when each of the plurality of types of the cryptocurrency and each of the plurality of types of the fiat currency are exchanged for a specific one of the fiat currencies, A trading step in which the trading device reads out real estate information including the cryptocurrency price from the real estate database, presents the real estate information to the user stored in the customer database, makes a contract for trading the real estate between the user who wishes to trade the real estate and the seller who sells the real estate to the user, and outputs the result of the sale of the real estate to the settlement system, A settlement step in which the settlement device creates wallet information used for settlement to exchange the cryptocurrency paid as a price from the user for the real estate into the legal currency, and stores the wallet information in the settlement database. Comprising The cryptocurrency trading system has a user wallet corresponding to the user and storing the cryptocurrency, and upon receiving a real estate transaction request from the user, pays from the cryptocurrency stored in the user wallet a cryptocurrency having a value corresponding to the price of the real estate to the seller of the real estate. Real estate trading method.

11. A price presentation step of presenting the cryptocurrency price of the real estate to one or more users who are the trading partners of the real estate. An information acquisition step of acquiring information indicating the exchange rates between a plurality of legal currencies, and acquiring exchange rate information indicating the exchange rates between each of a plurality of types of the cryptocurrency and each of a plurality of types of the legal currency from the cryptocurrency trading system, and calculating a profit or loss when each of a plurality of types of the cryptocurrency is exchanged with each of a plurality of types of the legal currency for a specific one of the legal currencies. A transaction step of reading real estate information including the cryptocurrency price from a real estate database, presenting the real estate information to the user stored in a customer database, making a contract for trading the real estate between the user who wishes to trade the real estate and the seller who sells the real estate to the user, and outputting the result of the sale of the real estate. A settlement step of, upon receiving the output of the result of the sale of the real estate in the transaction step, creating wallet information used for settlement to exchange the cryptocurrency paid as a price from the user for the real estate into the legal currency, and storing the wallet information in a settlement database. Causing a computer to execute The cryptocurrency trading system has a user wallet corresponding to the user and storing the cryptocurrency, and upon receiving a real estate transaction request from the user, pays from the cryptocurrency stored in the user wallet a cryptocurrency having a value corresponding to the price of the real estate to the seller of the real estate. Real estate trading program.

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