JP7005015B2 - Transaction brokerage system, transaction brokerage method and transaction brokerage program - Google Patents

Description

The present invention relates to a transaction brokerage device, a transaction brokerage method and a transaction brokerage program.

Conventionally, a large number of real estate transactions and rentals have been carried out, and in order to smoothly and appropriately carry out the transaction contract, information on the real estate property can be collected and the value of the real estate property can be evaluated based on expertise. The presence of an intermediary (eg, a real estate broker) is important.

In such a conventional real estate sale or rental transaction through an intermediary, the real estate seller / lender first searches for an intermediary through a real estate magazine or advertisement, and directly accesses this intermediary by telephone or visit. Communicate information on the real estate you want to sell or rent (sale / rental property). Then, the intermediary investigates the property, discusses the sale / rental conditions with the seller, etc. based on the results of this investigation, and if the conditions are decided, publishes the contents in specialized magazines, newspapers, etc. On the other hand, the buyer / borrower who wishes to purchase or rent this property accesses the intermediary in the same manner as the seller mentioned above, and informs the conditions of the property he / she wishes to purchase or rent. Then, the intermediary investigates the real estate value, etc. of the property desired by the buyer, etc., and discusses the purchase conditions with the buyer, etc. After that, the seller's intermediary and the buyer's intermediary discuss and adjust the conditions again in some cases, and if both conditions match each other, a transaction contract is concluded. Then, the intermediary obtains an intermediary fee from the seller or the like or the buyer or the like.

By the way, regarding such a conventional real estate transaction, a system has been devised that can appropriately connect a real estate seller or a buyer and an intermediary to request an intermediary for a real estate property (for example, Patent Document 1). In the system disclosed in Patent Document 1, a step of connecting a server device and a plurality of client devices so as to be communicable via the Internet and registering predetermined information regarding an intermediary for buying and selling real estate, and a step of registering predetermined information from a real estate seller or buyer. When there is an offer to buy or sell real estate, there is a step to register the prescribed information about this offer and a step to introduce the above registered intermediary to the seller or buyer who made the offer to buy or sell real estate. According to this system, information necessary for real estate transactions can be sent and received via the Internet, and real estate transactions can be carried out more easily.

Generally, as a client device of such an intermediary system, there is one used for a trader, and a business use one is used from a terminal installed in the store of the intermediary company, and the intermediary company responds to the customer's request. It is used to search for properties that accompany it. Then, the intermediary company introduces the searched properties to the customer one by one (for example, Patent Document 2). In the technique disclosed in Patent Document 2, conditions for narrowing down properties are set for each real estate agent and distributed to the real estate agent.

JP-A-2002-7541 Japanese Unexamined Patent Publication No. 2005-18396

By the way, the brokerage fee in real estate transactions is unilaterally set by the brokerage company, and the price tends to be decided at the stage of selecting the brokerage company. However, depending on the property and circumstances, the customer may not be able to freely select an intermediary, and there is a problem that the customer's request is not sufficiently reflected. In addition, as an intermediary, there is also a request to expand the variety of services and enhance the advantage over other companies.

Therefore, the present invention solves the above-mentioned problems, realizes the customer's request in the transaction of real estate and the like as much as possible, and expands the variety of services of the real estate agent and the like to gain an advantage. The purpose is to provide a transaction brokerage system, method and program that can be enhanced.

In order to solve the above problems, the present invention has a transaction condition setting unit that determines a part of the transaction conditions related to the transaction target by calculation and sets the determined transaction conditions.
The transaction execution department that executes transactions based on the guarantee obtained from the guarantee system,
It is equipped with a cooperation unit that records the transaction results related to the transactions executed by the transaction execution unit and the transaction conditions at that time in the guarantee system.
The information regarding the transaction conditions recorded in the guarantee system includes a part of the transaction conditions determined by the transaction condition setting unit, and also includes information regarding any of the functions, random number tables, or algorithms used in the calculation. Included,
The guarantee system is a public address generated from a public key in public key cryptography to identify a specific user, and a private key that can be paired with the public key to identify the public key. It is equipped with an address issuing unit that issues a private key used for electronic signature of the transaction via the address.
The transaction execution unit acquires information on transaction conditions stored in the guarantee system, and information on the public address and new transaction conditions set by the transaction condition setting unit with respect to the acquired information on transaction conditions. It is characterized by adding.

Further, the present invention
The transaction condition setting unit determines a part of the transaction conditions related to the transaction target by calculation, and sets the determined transaction conditions.
A transaction execution step in which the transaction execution unit executes the transaction based on the guarantee obtained by the guarantee system, and
Including a cooperation step in which the cooperation unit records the transaction result related to the transaction executed by the transaction execution unit and the transaction conditions at that time in the guarantee system.
In the transaction condition setting step, the information regarding the transaction condition to be recorded in the guarantee system includes a part of the transaction condition determined by the transaction condition setting unit, and the function, random number table, or the random number table used in the calculation. Contains information about any of the algorithms,
In the transaction execution step, the guarantee system has a public address generated from the public key in the public key cryptosystem for identifying a specific user, and a private key that can be paired with the public key to identify the public key. The private key used for the electronic signature of the transaction via the public address is issued.
In the cooperation step, the transaction execution unit acquires information on the transaction conditions stored in the guarantee system, and the public address and the transaction condition setting unit set new information on the acquired transaction conditions . It is characterized by adding information on transaction terms.

In the above invention, it is preferable that the cooperation unit has a function of recording the transaction result related to the transaction executed by the real estate transaction execution unit and the transaction conditions at that time in the guarantee system.

In the above invention, the transaction condition states that, as a payment method for the real estate property to be traded, a part of the value of the real estate property is converted into encrypted virtual currency, points, or other value information having an exchange value. It is preferable to include the selection of the method of remittance and either the exchange rate or the ratio of the amount.

In the above invention, the guarantee system is
A public address generated from a public key in public key cryptography to identify a specific user, and a private key that can be paired with the public key to identify the public key, and is a real estate via the public address. Equipped with an address issuer that issues the private key used for electronic signatures of transactions
The real estate transaction execution unit acquires the information regarding the title data, the important matter description data, and the transaction conditions, and relates to the public address regarding the new resident and the new transaction conditions set by the transaction condition setting unit. It is preferable to transfer the ownership of the real estate property by adding information and changing the resident proved by the title data.

In the above invention, the information regarding the transaction conditions includes a part of the transaction conditions including the brokerage fee or the discount rate, which is randomly determined by the transaction condition setting unit, and the function used for the random calculation. Contains information about either the random number table or the algorithm,
The random operation is preferably performed based on any of the functions, random number tables or algorithms contained in the acquired information about the transaction conditions.

The system and method according to the present invention described above can be realized by executing the program of the present invention described in a predetermined language on a computer. That is, the program of the present invention is installed on a portable terminal device, a smartphone, a wearable terminal, a mobile PC or other information processing terminal, an IC chip of a general-purpose computer such as a personal computer or a server computer, or a memory device, and is executed on a CPU. Thereby, the method according to the present invention can be carried out by constructing a system having each of the above-mentioned functions.

That is, the present invention uses a computer.
A transaction condition setting unit that determines a part of the transaction conditions related to the transaction target by calculation and sets the determined transaction conditions,
The transaction execution department that executes transactions based on the guarantee obtained from the guarantee system,
The transaction result related to the transaction executed by the transaction execution unit and the transaction conditions at that time are recorded in the guarantee system as a cooperation unit.
The information regarding the transaction conditions recorded in the guarantee system includes a part of the transaction conditions determined by the transaction condition setting unit, and also includes information regarding any of the functions, random number tables, or algorithms used in the calculation. Included,
The guarantee system is a public address generated from a public key in public key cryptography to identify a specific user, and a private key that can be paired with the public key to identify the public key. It is equipped with an address issuing unit that issues a private key used for electronic signature of the transaction via the address.
The transaction execution unit acquires information on transaction conditions stored in the guarantee system, and information on the public address and new transaction conditions set by the transaction condition setting unit with respect to the acquired information on transaction conditions. It is characterized by adding.

The program of the present invention can be distributed, for example, through a communication line, and can be transferred as a packaged application running on a stand-alone computer by recording on a computer-readable recording medium. .. Specifically, the recording medium can be recorded on various recording media such as a magnetic recording medium such as a flexible disk or a cassette tape, an optical disk such as a CD-ROM or a DVD-ROM, or a RAM card. According to the computer-readable recording medium on which this program is recorded, the above-mentioned system and method can be easily carried out by using a general-purpose computer or a dedicated computer, and the program can be stored, transported, and stored. Installation can be done easily.

According to the above invention, it is possible to realize the customer's request in the real estate transaction as much as possible, and it is possible to expand the variety of services of the real estate agent and enhance the superiority. Specifically, brokerage fees and the like in real estate transactions can be determined with a certain amount of fluctuation by a lottery operation by the customer. Since this fluctuation range can be set on the agent side, it can be adjusted in consideration of commissions as consideration and advertising effectiveness, etc., to enhance topicality and gameplay, expand the variety of services, and deal with other companies. You can increase your advantage.

In addition, by adopting a so-called blockchain distributed database mechanism, it is not necessary to install equipment for system management and operation for each real estate agent. In other words, when exchanging information between vendors, the distributed database system guarantees the standardization of databases for linking information, privacy protection, and advanced security measures against data tampering. Costs and operating costs can be reduced.

It is a conceptual diagram which shows the transaction form in the real estate brokerage service which concerns on embodiment. It is a conceptual diagram which shows the whole structure of the real estate brokerage system which concerns on embodiment. It is a block diagram which shows the internal structure of the agent terminal which concerns on embodiment. It is a block diagram which shows the internal structure of the communication service provider side apparatus and the real estate manager side apparatus which concerns on embodiment. It is a block diagram which shows the internal structure of the guarantee system which concerns on embodiment. It is a sequence diagram which shows the procedure of the real estate brokerage service which concerns on embodiment. It is a conceptual diagram which shows the data structure of the important matter manual data which concerns on embodiment. It is explanatory drawing which shows the screen composition of the real estate management system which concerns on embodiment. It is explanatory drawing which shows the screen composition of the real estate management system which concerns on embodiment. It is explanatory drawing which shows the screen composition of the real estate management system which concerns on embodiment. It is a conceptual diagram which shows the whole structure about the real estate transaction processing of the real estate management system which concerns on embodiment. It is explanatory drawing about the blockchain of the real estate management system which concerns on embodiment. It is explanatory drawing about the blockchain of the real estate management system which concerns on embodiment. It is explanatory drawing about the blockchain of the real estate management system which concerns on embodiment. It is explanatory drawing which illustrates the processing procedure at the time of transfer of the real estate transaction system which concerns on embodiment. It is explanatory drawing which illustrates the relationship between the public key and the private key in the real estate transaction system which concerns on embodiment. It is explanatory drawing which illustrates the procedure at the time of transfer of the real estate transaction system which concerns on embodiment.

[First Embodiment]
(Overall configuration of real estate brokerage system)
Hereinafter, embodiments of the real estate brokerage system according to the present invention will be described in detail with reference to the accompanying drawings. FIG. 1 is a conceptual diagram showing a transaction form in the real estate brokerage service according to the present embodiment, and FIG. 2 is a conceptual diagram showing the overall configuration of the real estate brokerage system according to the present embodiment.

In the present embodiment, a service for supporting a real estate brokerage business is provided through a real estate brokerage system 1 built on a communication network 3. Specifically, as shown in FIG. 1, the seller Ua and the buyer Ub of the property visit the store of the real estate agent Aa. Then, in this service, a sales transaction is performed through the agent terminal 4 of the real estate agent Aa. In the sale and purchase transaction of this real estate, the land and building title data D1 is created, and the important matter explanation data D2 that describes the conditions that are the preconditions for the transaction is generated, and these data are used by the seller Ua and the buyer. Exchange with Ub to conclude a contract.

The important matter manual data D2 describes some of the transaction conditions including the real estate price, brokerage fee or discount rate, and the result of the lottery operation, and the conditions of the real estate transaction are set on both the seller side and the buyer side. Contains items to check. Then, in the present embodiment, in the transaction negotiation or the agreement of the transaction conditions, the transaction conditions including the brokerage fee or the discount rate related to the transaction target are based on the lottery operation by the seller Ua and the buyer Ub who are new tenants. Part of it is determined by random calculation. For this random operation, a program source in which a predetermined function, random number table, or algorithm is described in a computer language is used.

The transaction conditions in this embodiment include, as a payment method for the real estate property to be traded, a part of the value of the real estate property, for example, an encrypted virtual item such as Bitcoin or a virtual item of a trading card. You can choose how to convert to currency, points, or other value information with exchange value and send it, and you can also include either the conversion rate or the percentage of the amount to be converted into that value information. The conversion rate and the amount ratio of these value information can also be randomly set by the above lottery operation.

FIG. 2 is a diagram showing a network configuration of the real estate brokerage system 1 according to the present embodiment. Here, a case where the real estate brokerage system 1 is used to broker the sale and purchase of a pre-owned condominium will be described as an example. As shown in the figure, the real estate brokerage system 1 is configured by connecting a brokerage server 2 and an agent terminal 4 used by a real estate agent to each other via a communication network 3. Further, a guarantee system 6 for guaranteeing real estate transactions is provided on the communication network 3.

The agent terminal 4 is composed of, for example, a communication terminal device such as a personal computer, a smartphone, or a mobile phone, and is used by a seller agent and a buyer agent to access the intermediary server 2, respectively. In FIG. 2, only one agent terminal is illustrated and simplified, but there are many of them. Then, through such an agent terminal 4, negotiations for buying and selling are made between the seller Ua and the buyer Ub, and the title data D1 and the important matter explanation data D2 are exchanged and intervened via the intermediary server 2. Request server 2 to guarantee and store transaction results.

The brokerage server 2 is a real estate brokerage device that brokers a seller or a buyer to trade a property via an agent terminal 4. The intermediary server 2 provides an intermediary website online, and the intermediary website provides various services to sellers, buyers, and agents.

Then, the intermediary server 2 is accessed from the agent terminal 4, and the intermediary business support service is provided on the Web pages W1 to W3 of the website provided by the intermediary server 2 as shown in FIGS. 8 to 10. In this brokerage business support service, based on the lottery operation by the seller Ua and the lottery operation by the buyer Ub who is a new tenant, some of the transaction conditions including the brokerage fee or discount rate related to the transaction target are randomly selected. Includes a lottery service to decide. More specifically, the agent terminal 4 cooperates with the intermediary server 2 to determine transaction conditions, for example, the price of the intermediary fee based on the lottery operation of the buyer Ub and the seller Ua, and information on the transaction conditions that are the premise of the above transaction. It has a function to create important matter manual data D2 and land / building title data D1. In the lottery operation, a program source that describes a predetermined function or algorithm used for random calculation, a random number table used at that time, etc. is selected, the selected program source is executed, and a brokerage fee or a discount rate is included. Randomly determine some of the trading conditions. The price of the program source used for this random calculation and the brokerage fee as the result of the calculation is stored in the guarantee system 6 in a state in which it cannot be tampered with.

Further, in the transaction conditions in the present embodiment, as a payment method of the real estate property to be traded, a part of the value of the real estate property is partially encrypted, for example, Bitcoin or a virtual item of a trading card. You can choose how to convert to currency, points, or other value information with exchange value and send it, and you can also include either the conversion rate or the percentage of the amount to be converted into that value information. The conversion rate and the amount ratio of these value information are also randomly set by the above lottery operation.

The communication network 3 is an IP network using the communication protocol TCP / IP, and is a various communication lines (telephone line, ISDN line, ADSL line, public line such as optical line, dedicated line, WCDMA (registered trademark) and CDMA2000. 3rd generation (3G) communication methods such as LTE, 4th generation (4G) communication methods such as LTE, 5th generation (5G) and later communication methods, etc., Wifi (registered trademark), Wireless (registered trademark), etc. ) Is a decentralized communication network constructed by interconnecting wireless communication networks). This IP network also includes a LAN such as an intranet (internal network) by 10BASE-T or 100BASE-TX, or a home network.

(Configuration of each device)
Next, the configuration of each device will be described. The term "module" used in the description refers to a functional unit for achieving a predetermined operation, which is composed of hardware such as devices and devices, software having the functions, or a combination thereof. ..

(1) Configuration of Agent Terminal The agent terminal 4 used by each agent is an information processing terminal provided with a communication function and a CPU, and various functions can be implemented by installing various application software. Then, by installing and executing the application, the terminal is made to function as an agent terminal. The information processing terminal for the agent can be realized by, for example, a smartphone or a dedicated device having a specialized function in addition to a personal computer, and includes a tablet PC, a mobile computer, and a mobile phone.

Specifically, as shown in FIG. 3, the agent terminal 4 includes a CPU 402, a memory 403, an input interface 404, a storage device 401, an output interface 405, and a communication interface 406. In the present embodiment, each of these devices is connected via the CPU bus, and data can be exchanged with each other.

The memory 403 and the storage device 401 are devices that store data in a recording medium and read the stored data according to the request of each device, for example, a hard disk drive (HDD) or a solid state drive (SSD). It can be configured with a memory card or the like.

The input interface 404 is a module that receives operation signals from operation devices such as a keyboard, a pointing device, a touch panel, and buttons, and the received operation signals are transmitted to the CPU 402 to perform operations on the OS and each application. The output interface 405 is a module that sends out a video signal or an audio signal in order to output a video or an audio from an output device such as a display or a speaker.

The communication interface 406 is a module that transmits / receives data to / from other communication devices, and the communication method includes, for example, a telephone line, an ISDN line, an ADSL line, a public line such as an optical line, a dedicated line, and WCDMA (registered trademark). In addition to 3rd generation (3G) communication methods such as CDMA2000, 4th generation (4G) communication methods such as LTE, and 5th generation (5G) and later communication methods, Wifi (registered trademark), Wireless (registered trademark), Includes wireless communication networks such as (registered trademark).

The CPU 402 is a device that performs various arithmetic processes necessary for controlling each unit, and by executing various programs, various modules are virtually constructed on the CPU 11. An OS (Operating System) is started and executed on the CPU 402, and the basic functions of each agent terminal 4 are managed and controlled by this OS. Further, various applications can be executed on this OS, and various functional modules are virtually constructed on the CPU by executing the OS program on the CPU 402.

In the present embodiment, the browser unit 402a is configured by executing the browser software on the CPU 402, and the information on the system is browsed or the information is input through the browser unit 402a. More specifically, this browser unit 402a is a module for browsing a Web page, downloads HTML (HyperText Markup Language) files, image files, music files, etc. from the mediation server 2 through the communication network 3 and analyzes the layout. To display and play. With this browser unit 402a, the user can send data to a Web server using a form, or run application software written in JavaScript (registered trademark), Flash, Java (registered trademark), etc. It is possible, and through this browser unit 402a, each real estate agent can use the real estate transaction intermediary service provided by the intermediary server 2.

(2) Configuration of intermediary server The intermediary server 2 is a server device managed and operated by a provider of a real estate transaction intermediary service, and the real estate transaction intermediary company accesses the intermediary server 2 from the intermediary server 2 through the communication network 3. However, the transaction related to the real estate property can be executed by using the intermediary service provided by the intermediary server 2. Specifically, as shown in FIG. 4, the intermediary server 2 includes a communication interface 203, an authentication unit 204, a real estate transaction execution unit 205, a property database 201, a user database 202, and a transaction condition setting unit 206. I have.

The communication interface 203 is a module that transmits / receives data to / from other communication devices through the communication network 3, and in the present embodiment, is connected to each agent terminal or the guarantee system 6 in order to provide the service.

The authentication unit 204 is a computer that verifies the legitimacy of the accessor or software having the function thereof, and executes the authentication process based on the user ID that identifies each agent. In the present embodiment, the user ID and password are acquired from the user terminal of the accessor through the communication network 3, and the user database 202 is collated to determine whether or not the accessor has the right, and the accessor himself / herself. Check if there is any.

The transaction condition setting unit 206 is a module for setting the transaction conditions of the real estate property to be traded, and the transaction conditions set here include the price of the property, the discount rate, and the price of the commission. The transaction condition data set by the transaction condition setting unit 206 is stored in the user database 202 and the property database 201, and is also passed to the title data generation unit 206a. Based on the transaction conditions set by the transaction condition setting unit 206, the title data generation unit 206a certifies that the important matter description data D2 describing the transaction conditions is a new resident of the real estate property. It is a module that generates the title data D1.

In particular, the transaction condition setting unit 206 according to the present embodiment has a random setting unit 206b for setting transaction conditions. The random setting unit 206b determines a part of the transaction conditions including the brokerage fee or the discount rate related to the transaction target by random calculation based on the lottery operation by the seller Ua, the buyer Ub, or both, and the determined transaction conditions. It is a module to set.

This random operation is performed based on any of the functions, random numbers tables or algorithms contained in the information about the acquired transaction terms. A plurality of types of functions, random number tables, or algorithms used for this random operation are prepared as program sources and are stored in the guarantee system 6 so as not to be tampered with. Then, when the random calculation is executed, the program source is read out and executed through the guarantee system cooperation unit 205a, and after the calculation is executed, the program source is included in the "information on transaction conditions" together with the calculation result. , Both the title data and the important matter explanation data D2 are stored in the warranty system 6 without being tampered with.

The real estate transaction execution unit 205 is a module that mediates real estate transactions through the communication network 3, and in the present embodiment, the real estate transaction execution unit 205 is provided with a guarantee system cooperation unit 205a. The guarantee system cooperation unit 205a requests the guarantee system 6 on the network to perform the processing necessary for the real estate transaction, such as credit for real estate transactions, security management, and storage of transaction records, and cooperates with the guarantee system 6. It is a module that advances processing. The real estate transaction execution unit 205 generates or acquires the title data D1 and the important matter explanation data D2 in cooperation with the guarantee system 6 through the guarantee system cooperation unit 205a, and adds a public address regarding the new resident. Then, the ownership of the real estate property will be transferred by changing the resident certified by the title data.

The property database 201 is a storage device that stores information about each property such as transaction conditions, and the user database 202 is a storage device that stores information about registered members and tenants. In this embodiment, the personal information that identifies the user himself / herself is not stored in the user database 202, and only the public account information that identifies each resident / user is stored. The credit information required for real estate transactions is evaluated by requesting the guarantee system 6 for credit regarding the public account belonging to each resident and responding to it.

(3) Configuration of Guarantee System As described above, in the present embodiment, a guarantee system 6 is provided which is arranged between the seller and the buyer who carry out the transaction or these agent terminals 4 and guarantees the real estate transaction. Specifically, as shown in FIG. 5, the guarantee system 6 includes a communication interface 603, an authentication unit 604, a transaction execution unit 606, a transaction history database 601a, a key information database 601b, and a program source for random calculation. It has a database 601c.

The communication interface 603 is a module that transmits / receives data to / from other communication devices through the communication network 3, and is connected to an agent terminal 4 or the like of each agent in the present embodiment. The authentication unit 604 is a computer that verifies the legitimacy of the accessor or software having the function thereof, and executes the authentication process based on the user ID that identifies each user. In the present embodiment, the accessor has the right by acquiring a user-specific public address, public key, user ID, password, etc. from the accessor's user terminal through the communication network 3 and collating the key information database 602. Check if there is any, and if the accessor is the person himself / herself.

The transaction execution unit 606 is a module that handles the title data D1 certifying that the real estate property is owned or rented, the important matter description data D2, and the program source D3 for random calculation. These title data D1 and important matter explanation data D2 are linked to the public account of the legitimate owner of each property, and by presenting the relationship of the public account, it is proved that the property is the legitimate right holder. The data is certificate data that can be transferred and that the transfer procedure such as transfer cannot be executed for the property unless the right holder is a legitimate right holder. The transaction execution unit 606 includes a guarantee system cooperation unit 607, a public address management unit 608, a validity verification unit 609, and a data update unit 610.

The guarantee system cooperation unit 607 performs processing necessary for real estate transactions, such as credit related to real estate transactions, security management, transaction records, and storage of service history, to the guarantee system 6 on the network, for example, a device of another service organization. It is a module that is requested by each agent terminal 4 or the like and proceeds with processing in cooperation with each of these devices. Further, in the present embodiment, when the random number operation corresponding to the lottery operation is executed, the guarantee system cooperation unit 607 includes a function for random number stored in the program source database 601c through the guarantee system cooperation unit 205a, and a function for random number operation. The algorithm and random number table are selected and provided to the intermediary server 2 side.

The public address management unit 608 is a public address generated from a public key in a public key cryptosystem for identifying a specific user, and a private key that can be paired with the public key to identify the public key. , Functions as an address issuing unit that issues private keys used for electronic signatures of real estate transactions via public addresses, and these issued public addresses and related key information are stored in the key information database 602. ..

The validity verification unit 609 indicates that the title data D1, the important matter description data D2, and the program source D3 of the property related to the real estate transaction belong to the current owner through the legitimate transaction and have not been tampered with. It is a module that verifies that, and the validity of the title data, etc. D1 to D3 can be confirmed by the public key of the current owner linked to the public account, and the title data, etc. D1 to D3. All transactions related to the above are stored in the transaction history database 601, and the transaction history database 601 can be collated based on the public key to confirm its validity.

The data update unit 610 acquires the title data, etc. D1 and D2, adds the public address for the new resident, and changes the resident certified by the title data, etc. D1, D2, thereby realizing the real estate property. It is a module that transfers the ownership of. The data update by the data update unit 610 is protected by a high degree of security, and double transfer and falsification of the transaction history are strongly prevented.

(Operation of real estate transaction brokerage system)
By operating the real estate management system described above, it is possible to provide a service that supports the real estate transaction brokerage business. FIG. 6 is a sequence diagram showing a system operation when providing a real estate transaction brokerage service. Here, a case where the seller Ua sells the real estate to a prospective person through a real estate agent will be described as an example.

The seller Ua who wants to sell the property and the buyer Ub who wants to buy the property visit the store of the real estate agent and first buy and sell the property through the agent terminal 4 installed in the store. The setting process is started (S201). In this real estate transaction setting process, as shown in FIG. 8, on the Web page W1, along with the information (property name, address, room number, latitude / longitude, etc., property identifier) that identifies the property to be traded, the seller / buyer Enter the name, information that identifies the real estate agent in charge (company name, store name registration number, agent identifier, name, etc.), price, payment method, text data of important matter explanation, etc. The lottery program source is determined based on the input transaction setting, the selected program source D3 is called from the guarantee system 6, is acquired by the intermediary server 2, and can be executed (S202). Further, the text data input to this Web page W1 includes information on the selected program source D3 and information on the selected program source D3 as information for explaining the conditions of the real estate transaction described in the important matter manual data D2 generated after the lottery operation. It is used to form important matter description data D2 together with text data describing the characteristics of an algorithm or the like for random calculation.

Next, as shown in FIGS. 9 and 10, information on the current setting information, transaction conditions, and program source is displayed in the dialogs W21 and W31 of the Web pages W2 or W3. In the illustrated example, the price of the property is displayed as "57 million yen" in the dialog W21, and the normal brokerage fee of 1.77 million yen corresponding to this price is displayed. Further, as the acquired program source D3 information, for example, the average value of the dice rolled in the past is displayed in the dialogs W22 and W23.

The Web page W3 (FIG. 10) displays the execution result when the seller side or the buyer side performs the lottery operation in advance. In the illustrated example, the average of the dice rolled three times on the seller side. Is 3.3, and based on this, the normal fee of 1.77 million yen is discounted by 760,000 yen, and the fee is 1.01 million yen. Further, on the Web page W2 (FIG. 9), the progress of the lottery operation when the buyer side also performs the lottery operation in response to the result by the seller is displayed, and in the illustrated example, the buyer side rolls the dice once. The number is 2, and based on this, the normal fee of 1.77 million yen is discounted by 1.14 million yen to 630,000 yen. The lottery operation according to the present embodiment can be stopped when a good result is obtained, and the result of the lottery result on the seller side / buyer side at that time, which has a lower commission, is adopted. Here, since the buyer side has issued 2 at the first time, the average is 2 at that stage, and when stopped at this point, the discount rate at the time is applied with the average being 2 for both. In this case as well, it is possible to further advance the lottery players. Further, the lottery operation can be performed alternately on the seller side and the buyer side, and even in that case, the discount rate can be determined by ending before shaking three times at the time when a good eye is obtained.

Then, based on the execution of the lottery program (S204) and the lottery operation by the seller Ua and the buyer Ub (S101 and S301), the brokerage fee related to the transaction target is randomly determined, and the transaction conditions are set. .. A certain range of fluctuation is set for this random transaction condition, and it is preset so as to be within the range of acceptable discounts and commission reductions. In this embodiment, this lottery operation can be performed up to three times on the seller side and the buyer side, and the average of the rolls of each of the seller and the buyer is the discount rate of the commission, and the discount rate is The higher one applies to both the seller and the buyer. At this time, one of the seller and the buyer may perform the lottery operation first, and the other may perform the lottery operation after seeing the result, or the seller and the buyer may alternately operate the lottery operation. It is also possible to make the decision by averaging halfway without doing so. Here, the lottery operation is an operation of rolling the dice, but in addition to the dice, a roulette, a slot, or another lottery-type play device can be used as a motif on the game screen of the lottery operation.

Then, the commission price is calculated based on the discount rate determined by this lottery operation (S205), the transaction conditions reflecting the commission price are set (S206), and the conditions are presented to the seller and the buyer. Confirmation is performed (S102 and S302). Next, after the agreement between the seller side and the buyer side is obtained and the transaction conditions are finalized, the important matter explanation data D2 based on the confirmed transaction conditions is generated (S207), and the title data is generated (S208). ). The intermediary server 2 transmits the generated important matter description data D2 and the title data D1 to the buyer side, the seller side, and the like, and performs confirmation processing for both (S103, S303). As shown in FIG. 7, the real estate price and the real estate brokerage fee are described in this important matter manual data D2, and a dice is rolled as a lottery operation when the real estate brokerage fee is determined. It has been recorded.

After that, after both confirmations of the contents of the title data are completed, the guarantee system cooperation unit 205a cooperates with the guarantee system 6 to guarantee the validity of the title data (S209), and based on the obtained guarantee. Then, the real estate transaction execution unit 205 executes the transaction of the real estate property (S210). This execution result is encrypted and recorded in the title data D1 and the important matter description data D2, or information regarding the title data D1 and the important matter description data D2 (for example, the title data D1 and the important matter). It is stored in each database as manual data D2) (S211). At this time, the random calculation program source D3 used in this lottery operation is also stored in the database in a state in which it cannot be tampered with.

(Action / effect)
According to the embodiment described above, the customer's request in the real estate transaction can be realized as much as possible, and the variety of services of the real estate agent can be expanded to enhance the superiority. Specifically, brokerage fees and the like in real estate transactions can be determined with a certain amount of fluctuation by a lottery operation by the customer. Since this fluctuation range can be set on the agent side, it can be adjusted in consideration of commissions as consideration and advertising effectiveness, etc., to enhance topicality and gameplay, expand the variety of services, and deal with other companies. You can increase your advantage.

[Second Embodiment]
Next, a second embodiment of the present invention will be described. The gist of this embodiment is that a distributed database mechanism is adopted as the guarantee system in the first embodiment described above. FIG. 11 is a conceptual diagram showing the overall configuration of the system according to the present embodiment. 12 to 14 are explanatory views of the blockchain according to the present embodiment. In this embodiment, the same components as those in the above-described embodiment are designated by the same reference numerals, and their functions and the like are the same unless otherwise specified, and the description thereof will be omitted.

(System configuration)
As shown in FIG. 11, the real estate brokerage system 100 according to the present embodiment creates and trades the title data D1 and the important matter description data D2, and further, the validity of the program source for random calculation for the lottery operation. In order to maintain the above, a key pair of a public key PKa and a private key SKa based on the public key cryptosystem is issued. Further, the real estate brokerage system 100 according to the present embodiment generates the issued public key PKa or the public address PAa. This public address PAa is utilized as an address indicating the transferee (buyer Ub) and the transferor (seller Ua) in the real estate transaction contract. On the other hand, the private key SKa is used for electronic signature of a transaction whose withdrawal source is the public address PAa.

The real estate transaction according to the present embodiment is performed between two nodes on the P2P (Peer-to-Peer) network 20 (here, between the seller Ua and the buyer Ub), and the transaction information is the transaction information of each node in the P2P network 20. It is broadcast and shared from 60a to 60f. As a result, a transaction history database (blockchain described later), which is a distributed database, is formed on the P2P network 20, and the transaction history of real estate transactions is stored.

In the present embodiment, the transaction history database, which is a decentralized database, executes, approves, and manages a real estate transaction contract when rewriting the title data D1 and the important matter description data D2 through the intermediary server 2. do. The real estate transaction broker (each agent terminal 4) generates a public address PA3 unique to the real estate property Re in order to mediate the transaction between the seller Ua and the buyer Ub, and generates the title data D1 and important matters. The transfer of the manual data D2 will be relayed. In addition, the program source database, which is a distributed database, stores various program sources D3 in a non-tamperable state in order to ensure the validity of the program source for random calculation for the lottery operation, and mediates as necessary. It is provided to the server 2 side.

Then, the parties to the transaction (seller Ua and buyer Ub) use the real estate brokerage system 100 from the current seller Ua to the public address PA3 unique to the real estate property Re. Is once received by transferring, and further transferred to a new buyer Ub via the public address PA3 to conclude a sales contract for the real estate property Re between the seller Ua and the buyer Ub.

As a result, the buyer Ub, who is the transferee, can receive the title data D1 and the important matter explanation data D2 at his / her public address PAb, and can view the service history associated with this public address PA3, and can view the service history. You will be able to use the service. The public address may be issued by the intermediary server 2, or may be issued by the software on each agent terminal or the server of an independent service management institution or financial institution. Here, the detailed mechanism of the transaction of the electronic cryptocurrency will be specifically described with reference to FIGS. 12 to 14. FIG. 12 exemplifies the definition of a transaction (transaction) relating to the mechanism of the electronic cryptographic title / description included in the title data or the important matter description data, and FIGS. 13 and 14 show the transaction history in the electronic encryption title. A part of (blockchain) is illustrated.

A series of electronic examples of the title data D1 and important matter description data D2 in the electronic encryption title, the program source D3 used in this transaction, and the information (lottery results, etc.) related to this transaction are exemplified in FIG. Defined as a chain of signatures. When the owner of the title data or important matter description data transfers the title data D1 or the important matter description data D2 to the next owner, the hash value of the previous transaction and the next owner An electronically signed version of the hash value of the public key with its own private key is added to the title data D1. For the calculation of these hash values, for example, a one-way hash function such as SHA-256 or RIPEMD-160 is used.

In FIG. 12, as specific examples of transactions, title data, important matter description data, program source, and execution result (hereinafter referred to as “rights data, etc.”) are transferred from owner Z to owner A. , The scene where the owner A is transferred to the owner B and then the owner B is transferred to the owner C is illustrated. In this case, when transferring the title data or the like from the owner A to the owner B, the owner A has the hash value of the transfer transaction from the owner Z to the owner A and the owner B who is the next owner. The hash value of the public key and the digitally signed one with the private key of the owner A are added to the title data and the like.

The owner of the title data, etc. after this transaction, including owner B, transfers the value obtained by decrypting this electronic signature with the public key of owner A from the owner Z to the owner A, and the hash value of the transaction and the owner. By collating with the hash value of B's public key, it can be determined whether or not this transaction has been tampered with. Similarly, when transferring the title data, etc. from the owner B to the owner C, the owner B has the hash value of the transfer transaction from the owner A to the owner B and the next owner, the owner C. The hash value of the public key and the digitally signed one with the private key of the owner B are added to the title data and the like. This makes it possible to determine whether or not the transfer transaction from owner B to owner C has been tampered with.

The title data of each property can be defined as a chain of such a series of electronic signatures. Here, the hash value of the public key is the public address. That is, the rights document data stored in this public address can be transferred to a person who can digitally sign a real estate transaction using this public address as a transfer source, that is, a person who has a private key corresponding to this public address. Limited. Therefore, the private key is generally kept secret so that it cannot be leaked to anyone other than the owner. The title data, etc. are stored at the public address associated with the current owner. In addition, since it is not possible to verify that any of the past owners of the title data, etc. is using (multiple transfer) the title data, etc., with this electronic signature alone, this implementation is carried out. In the mechanism of the electronic encryption title according to the form, the mechanism called the blockchain exemplified in FIGS. 13 and 14 is used to prevent this multiple use.

As illustrated in FIGS. 13 and 14, each block recorded in the title data or the like stores a plurality of transactions, a Nonce, and a hash value of the immediately preceding block. Nonce is a value discovered as a result of proof of work, and among the nodes (minor) 60a to 60f, the node (minor) who first discovered this value blocks the block in which the nonce was discovered as an approver. Update the blockchain by adding it to the end of. As a result, a consistent transaction history will be recorded in the blockchain, and by sharing this blockchain with all the nodes 60a to 60f participating in the P2P network 20, the consistent transaction history will be recorded in the entire P2P network 20. Can be shared. That is, this blockchain becomes the transaction history database 601 and the key information database 602 according to the first embodiment described above. In the present embodiment, in the electronic cryptographic title based on the public key cryptosystem, the title data and the like are traded by such a mechanism.

Here, the proof of work is a mechanism for preventing forgery of title data, etc. due to malicious hacking, etc., and is the data (value) or such data (value) that must be calculated in order to authenticate each real estate transaction. It refers to a system, and in this embodiment, a hash function is used as a means for calculating a Nonce. In the actual real estate transaction approval work, as described above, each transaction unit (block) of the real estate contains the nonce, which is a random variable, in addition to the information specifying the real estate and the transaction information such as the sender. , Proof of work is a hash value starting from a certain number of consecutive "0" s (if 0 continues a certain number of times, the rest of the data is arbitrary), and transaction approval means increasing the Nonce in a round-robin manner. The proof of work is executed from the hash calculation by letting it. At this time, since the original value cannot be calculated from the hash value, it is necessary to calculate by brute force.

The approver of this proof of work is also called a miner, and the approval work is also called mining. For example, electronic currency is paid. In this embodiment, in order to prevent forgery of the right data, this calculation is set to take about 10 minutes. Forgery of title data, etc. means falsification of transaction data, so the proof of work that must be obtained also changes, and recalculation is required.

What is important here is that the block also contains past transaction data, and if you try to tamper with the transaction data, you will have to recalculate the transaction data (block) that was performed after that, which is a reality. Forgery becomes very difficult because there are many "good" calculators in addition to "malicious" attackers and counterfeiters, and the recalculation speed cannot keep up with the calculation speed of new transaction approvals. .. In this way, the proof of work plays a role that can be said to be the basis of security in real estate transactions using title data and the like. The above-mentioned proof of work approval request, reward payment, and other window operations may be performed by the intermediary server 2, and applications executed on various terminals such as smartphones and independent service management organizations. Or on the server of a financial institution.

(Operation at the time of real estate transfer transaction)
By operating the real estate transaction system described above, the real estate transfer transaction method according to the present embodiment can be implemented. The processing procedure described below is only an example, and each processing may be changed as much as possible. Further, with respect to the processing procedure described below, steps can be omitted, replaced or added as appropriate according to the embodiment.

Next, an operation example relating to a real estate transaction using an electronic cryptographic title will be described with reference to FIGS. 15 to 17. FIG. 15 is an explanatory diagram illustrating a processing procedure at the time of transfer of the real estate transaction system according to the present embodiment, and FIG. 16 illustrates the relationship between the public key and the private key according to the present embodiment. Further, FIG. 17 is an explanatory diagram illustrating a procedure at the time of real estate transfer. The processing procedure described below is only an example, and each processing may be changed as much as possible. Further, with respect to the processing procedure described below, steps can be omitted, replaced or added as appropriate according to the embodiment.

In the present embodiment, the real estate transaction registration process and the key information update process in step S804 in the first embodiment described above utilize the mechanism of the electronic encryption right document by the distributed database according to the present embodiment. Here, a case where the seller Ua sells the property Re to the new buyer Ub via the real estate manager will be described as an example. As shown in FIG. 15, this real estate sales transaction includes a public address and private key issuance step S1001, a registration processing step S1002 of related service history information, and an execution step S1003 of a right transfer processing.

First, in step S1001, the intermediary server 2 functions as an address issuing unit, and issues a pair of a public address PA3 unique to the property Re and a private key SK3 corresponding to the property-specific public address PA3. Specifically, as illustrated in FIG. 16, the intermediary server 2 uses a random number generator or the like to generate a private key SK3 associated with a public address unique to the property Re by a public key cryptosystem. .. The random number generator may be built in the guarantee system cooperation unit 607 as a program, for example. As described above, this private key SK3 is used for the electronic signature of the transaction (here, the sale from the real estate agent to the buyer Ub who is a new resident) using the paired property-specific public address PA3 as the property transfer source. To.

Next, the mediation server 2 generates a public key PK3 from the private key SK3 based on an electronic signature algorithm such as an elliptic curve DSA (Elliptic Curve Digital Signature Algorithm, ESDSA). The generated public key PK3 and private key SK3 form a key pair in the public key cryptosystem, and although it is possible to generate the public key PK3 from the private key SK3 due to the nature of this public key cryptosystem, the public key PK3 It is impossible to generate the private key SK3 from the viewpoint of the amount of calculation. That is, the private key SK3 cannot be specified from the public key PK3, but the public key PK3 can be specified from the private key SK3. The type of the digital signature algorithm to be used is not limited to the elliptic curve DSA, and may be appropriately selected depending on the embodiment.

Subsequently, the intermediary server 2 generates the property-specific public address PA3 from the public key PK3 by applying a one-way hash function such as SHA-256 or RIPEMD-160 to the public key PK3. For example, the intermediary server 2 can generate the property-specific public address PA3 by applying SHA-256 to the public key PK3 twice. That is, the property-specific public address PA3 is a hash value of the public key used for signing the above-mentioned transaction, and is used to identify the transfer destination and transfer source of the electronic cryptographic title. Since a one-way hash function is used to generate the property-specific public address PA3, as shown in FIG. 16, although it is possible to generate the property-specific public address PA3 from the public key PK3, the property-specific public address PA3 is publicly available. It is impossible to generate the public key PK3 from the address PA3.

In the next step S1002, the service history data associated with the property Re, such as the history of the services provided while the seller Ua, who is the resident, is moving into the property Re, is linked to the property-specific public address PA3 generated in step S1001. Attach and register. Specifically, as illustrated in FIG. 17, important matter manual data D2 and the like including the result of the lottery operation recorded by the intermediary server 2 are linked to the property-specific public address PA3 and published. This important matter manual data D2 can be freely browsed as long as the public key PK3 relating to the property-specific public address PA3 is obtained. As a result, anyone can verify that the above-mentioned lottery operation, the transaction conditions determined as a result, and the important matter description data D2 are fraudulent or falsified.

After that, in step S1003, the intermediary server 2 conducts a right transfer transaction to the property-specific public address PA3 generated in step S1001 in accordance with the predetermined property transfer conditions. Then, when the transfer is completed, the intermediary server 2 ends the process related to this operation example. Here, an application executed on the agent terminal 4 or the like is used for exchanging the electronic encryption right document according to the present embodiment. Therefore, in FIG. 17, an application that executes the mechanism of the electronic encryption right is also installed in the guarantee system cooperation unit 607 of the intermediary server 2, and a plurality of property-specific public addresses managed by the real estate agent by this application. Is controlled.

While the property Re belongs to the seller Ua during the move-in, the title data D1 is associated with the private key SKa in which the public address PAa unique to the seller Ua is paired with the agent terminal 4 of the seller Ua. When transferring the property Re, the seller Ua uses the agent terminal 4 from the public address PAa (transfer source) to the property-specific public address PA3 (transfer destination) generated by the real estate agent in step S1001. The title data D1 can be transferred.

On the other hand, the buyer Ub who wishes to move in newly obtains the public key PK3 associated with the property Re by using his / her own seller agent terminal 4, as illustrated in FIG. 17, and the buyer concerned. Ub can browse the property information associated with the property-specific public address PA3 of the property Re and the related property-specific history.

Specifically, an application is also installed in the agent terminal 1b of the buyer Ub, and the public address PAb owned by the buyer Ub is managed by this application. The public address PAb is associated with its own private key SKb, whereby the title data D1 can be further transferred from its own public address PAb to another person. That is, each private key SKb allows the buyer Ub to freely use the title data D1 stored in the public address PAb. Here, the buyer Ub uses the application on the agent terminal 1b to receive the title data D1 transferred from the property-specific public address PA3 to the public address PAb.

(Action / effect)
According to the present embodiment described above, since the distributed database mechanism is adopted as the guarantee system, it is not necessary to install a strong single system management / operation facility for each real estate agent, and information between the agents is not required. Since the distributed database system guarantees the standardization of the database for linking information, privacy protection, and advanced security measures against data tampering when sending and receiving information, the equipment cost and operating cost should be suppressed. Can be done.

D1 ... Title data D2 ... Important matter description D3 ... Random calculation program source SKa ... Private key SKb ... Secret key Ua ... Seller Ub ... Buyer Z ... Owner 1 ... Real estate brokerage system 2 ... Brokerage server 3 ... Communication network 4 … Agent terminal 6… Guarantee system 201… Property database 202… User database 203… Communication interface 204… Authentication unit 205… Transaction execution unit 205a… Guarantee system cooperation unit 206… Transaction condition setting unit 206a… Right document data generation unit 206b… Random setting unit 401 ... Storage device 402 ... CPU
402a ... Browser unit 402b ... Device side authentication unit 402c ... Operation regulation unit 403 ... Memory 404 ... Input interface 405 ... Output interface 406 ... Communication interface 601a ... Transaction history database 601b ... Key information database 601c ... Program source database 603 ... Communication interface 604 … Authentication department 606… Transaction execution department 607… Guarantee system cooperation department 608… Public address management department 609… Validity verification department 610… Data update department

Claims (3)

A transaction condition setting unit that determines a part of the transaction conditions related to the transaction target by calculation and sets the determined transaction conditions,
The transaction execution department that executes transactions based on the guarantee obtained from the guarantee system,
It is equipped with a cooperation unit that records the transaction results related to the transactions executed by the transaction execution unit and the transaction conditions at that time in the guarantee system.
The information regarding the transaction conditions recorded in the guarantee system includes a part of the transaction conditions determined by the transaction condition setting unit, and also includes information regarding any of the functions, random number tables, or algorithms used in the calculation. Included,
The guarantee system is a public address generated from a public key in public key cryptography to identify a specific user, and a private key that can be paired with the public key to identify the public key. It is equipped with an address issuing unit that issues a private key used for electronic signature of the transaction via the address.
The transaction execution unit acquires information on transaction conditions stored in the guarantee system, and information on the public address and new transaction conditions set by the transaction condition setting unit with respect to the acquired information on transaction conditions. A transaction brokerage system characterized by the addition of. Computer,
A transaction condition setting unit that determines a part of the transaction conditions related to the transaction target by calculation and sets the determined transaction conditions,
The transaction execution department that executes transactions based on the guarantee obtained from the guarantee system,
The transaction result related to the transaction executed by the transaction execution unit and the transaction conditions at that time are recorded in the guarantee system as a cooperation unit.
The information regarding the transaction conditions recorded in the guarantee system includes a part of the transaction conditions determined by the transaction condition setting unit, and also includes information regarding any of the functions, random number tables, or algorithms used in the calculation. Included,
The guarantee system is a public address generated from a public key in public key cryptography to identify a specific user, and a private key that can be paired with the public key to identify the public key. It is equipped with an address issuing unit that issues a private key used for electronic signature of the transaction via the address.
The transaction execution unit acquires information on transaction conditions stored in the guarantee system, and information on the public address and new transaction conditions set by the transaction condition setting unit with respect to the acquired information on transaction conditions. A transaction brokerage program characterized by the addition of. The transaction condition setting unit determines a part of the transaction conditions related to the transaction target by calculation, and sets the determined transaction conditions.
A transaction execution step in which the transaction execution unit executes the transaction based on the guarantee obtained by the guarantee system, and
Including a cooperation step in which the cooperation unit records the transaction result related to the transaction executed by the transaction execution unit and the transaction conditions at that time in the guarantee system.
In the transaction condition setting step, the information regarding the transaction condition to be recorded in the guarantee system includes a part of the transaction condition determined by the transaction condition setting unit, and the function, random number table, or the random number table used in the calculation. Contains information about any of the algorithms,
In the transaction execution step, the guarantee system has a public address generated from the public key in the public key cryptosystem for identifying a specific user, and a private key that can be paired with the public key to identify the public key. The private key used for the electronic signature of the transaction via the public address is issued.
In the cooperation step, the transaction execution unit acquires information on the transaction conditions stored in the guarantee system, and the public address and the new transaction condition setting unit set the information on the acquired transaction conditions . A transaction brokerage method characterized by adding information about transaction terms.

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