KR20230037517A - Method and apparatus for performing trading of goods - Google Patents

Abstract

Provided is a method for performing the transaction of goods. The method for performing the transaction of goods according to the present invention comprises the steps of: creating a transaction link, based on products sold by a first user corresponding to a seller; determining transaction terms in response to receiving input regarding the transaction link from a second user corresponding to a purchaser; and performing a payment process, based on the transaction terms, wherein the transaction terms includes one or more tradable assets corresponding to the value of the goods sold and the step of performing a payment process comprises the steps of: (a) selling the one or more tradable assets to the second user, based on the transaction terms to deposit the second user's assets into the second user's account; (b) transferring the second user assets to the first user to deposit the first user's assets into the first user's account; and (c) purchasing the first user's assets from the first user.

Description

METHOD AND APPARATUS FOR PERFORMING TRADING OF GOODS}

The present disclosure provides a method and apparatus for conducting transaction of goods.

Payment methods such as credit cards and check cards are widely used instead of cash to pay for commercial transactions of goods and services. An online store for selling merchandise is also active.

In a general credit card payment process, a credit card member store, that is, an online store, must pay a predetermined credit card payment fee to the credit card company for the amount of the product purchased by the customer. However, these credit card payment fees act as a burden on online stores, and the burden is even greater for small stores.

The foregoing background art is technical information that the inventor possessed for derivation of the present invention or acquired during the derivation process of the present invention, and cannot necessarily be said to be known art disclosed to the general public prior to filing the present invention.

An object of the present disclosure is to provide a method and apparatus for conducting transaction of goods. The problem to be solved by the present disclosure is not limited to the technical problems mentioned above, and other technical problems not mentioned above can be clearly understood by those skilled in the art from the description of the present invention, It will be more clearly understood by the examples of the present disclosure. In addition, it will be appreciated that the problems and advantages to be solved by the present disclosure can be realized by the means and combinations indicated in the claims.

As a means for solving the above technical problem, a first aspect of the present disclosure includes generating a transaction link based on a sale product of a first user corresponding to a seller; determining a transaction condition in response to receiving an input for the transaction link from a second user corresponding to the buyer; and performing a payment process based on the transaction condition, wherein the transaction condition includes one or more transaction mediating assets corresponding to the value of the sale product, and performing the payment process comprises: depositing a second user asset in an account of the second user by selling the one or more transaction intermediary assets to the second user based on a transaction condition; depositing first user assets in an account of the first user by transferring the second user assets to the first user; And purchasing the first user assets from the first user.

A second aspect of the present disclosure is a memory for storing at least one program; A communication unit that transmits and receives data with the asset exchange; and at least one processor that performs product transaction by executing the at least one program, wherein the at least one processor generates a transaction link based on a product sold by the first user corresponding to the seller, and the buyer In response to receiving an input on the transaction link from the second user corresponding to, determining a transaction condition and performing a payment process based on the transaction condition, wherein the transaction condition corresponds to the value of the product for sale. The processor performs the payment process by selling the one or more transaction intermediate assets to the second user based on the transaction condition through the communication unit, Depositing a second user asset in an account of a user, and depositing a first user asset in an account of the first user by transferring the second user asset to the first user through the communication unit, and through the communication unit, It is possible to provide an apparatus for performing a transaction of goods, including purchasing the first user assets from the first user.

A third aspect of the present disclosure may provide a computer-readable recording medium on which a program for executing the method of the first aspect is recorded on a computer.

In addition to this, another method for implementing the present invention, another device, and a computer-readable recording medium recording a program for executing the method may be further provided.

Other aspects, features and advantages other than those described above will become apparent from the following drawings, claims and detailed description of the invention.

According to the above-described problem solving means of the present disclosure, it is possible to perform product transactions without burden of transaction fees by utilizing various types of payment means other than cash.

In addition, according to the problem solving means of the present disclosure, it is possible to provide a payment method in which stability is guaranteed in a product transaction using a payment method having a large real-time fluctuation range.

The effects of the embodiments are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description of the present invention.

1 is a diagram illustrating a system for performing product transaction according to an embodiment.
2 is a diagram illustrating a system including a server for mediating an asset exchange to perform a payment process according to an embodiment.
3 is a diagram exemplarily illustrating generating an NFT and a web link through which the NFT can be purchased according to an embodiment.
4 is a diagram for explaining that a transaction is performed between a first terminal, a second terminal, and a product transaction server according to an embodiment.
5 is a diagram for explaining that a transaction is performed between a first terminal, a second terminal, and a product transaction server according to a payment process according to an embodiment.
6 is a flowchart illustrating a method of performing a product transaction according to an embodiment.
7 is a flowchart illustrating a payment process according to an exemplary embodiment.
Figure 8 is a block diagram of a device for performing a transaction of goods according to an embodiment.

The terms used in the present embodiments have been selected from general terms that are currently widely used as much as possible while considering the functions in the present embodiments, but these may vary depending on the intention of a person skilled in the art or a precedent, the emergence of new technologies, etc. there is. In addition, in a specific case, there are also terms arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the relevant part. Therefore, the term used in the present embodiments should be defined based on the meaning of the term and the general content of the present embodiment, not a simple name of the term.

Since the present embodiments can have various changes and various forms, some embodiments will be illustrated in the drawings and described in detail. However, this is not intended to limit the present embodiments to a specific form disclosed, and should be understood to include all modifications, equivalents, or substitutes included in the spirit and scope of the present embodiments. Terms used in this specification are only used for description of the embodiments, and are not intended to limit the embodiments.

Terms used in the present embodiments have the same meaning as commonly understood by a person of ordinary skill in the art to which the present embodiments belong, unless otherwise defined. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in the present embodiments, in an ideal or excessively formal meaning. should not be interpreted.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The detailed description of the present invention which follows refers to the accompanying drawings which illustrate, by way of illustration, specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable any person skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different from each other but are not necessarily mutually exclusive. For example, specific shapes, structures, and characteristics described herein may be implemented from one embodiment to another without departing from the spirit and scope of the present invention. It should also be understood that the location or arrangement of individual components within each embodiment may be changed without departing from the spirit and scope of the present invention. Therefore, the detailed description to be described later is not performed in a limiting sense, and the scope of the present invention should be taken as encompassing the scope claimed by the claims and all scopes equivalent thereto. Like reference numbers in the drawings indicate the same or similar elements throughout the various aspects.

Meanwhile, technical features individually described in one drawing in this specification may be implemented individually or simultaneously.

In this specification, “~ unit” may be a hardware component such as a processor or a circuit, and/or a software component executed by a hardware component such as a processor.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily practice the present invention.

1 is a diagram illustrating a system for performing product transaction according to an embodiment.

The system 100 for performing product transaction according to an embodiment may include a product transaction server 110 , a first terminal 120 and a second terminal 130 . Meanwhile, in the system 100 for transacting products shown in FIG. 1, only components related to one embodiment are shown, and the number of terminals 120 and 130 is not limited. Therefore, it is obvious to those skilled in the art that the system 100 for trading products may further include other general-purpose components in addition to the components shown in FIG. 1 .

Based on the payment process of the product transaction server 110 for the product sold by the first terminal 120, the system 100 for performing product transaction finally provides the first terminal 120 to the second terminal 130. of products can be sold.

According to an embodiment, the first terminal 120 may correspond to a terminal of a first user corresponding to a seller, and the second terminal 130 may correspond to a terminal of a second user corresponding to a buyer. The first user may correspond to a seller or a sales delegator authorized for financial transactions by the seller, and a second user may correspond to a buyer or a purchase delegator authorized to perform financial transactions of the buyer. In this case, the financial transaction authority may include authentication authority or transaction authority for the user's account, electronic wallet, financial asset, and asset exchange.

The first terminal 120 may generate digital data representing a product for sale in order to generate a transaction link for the product for sale. For example, the digital data may correspond to a picture taken with a camera of a product for sale, but is not limited thereto, and may correspond to various forms such as a picture representing a product for sale, a photograph, or a video.

The second terminal 130 may purchase a sale product from the first terminal 120 through a payment process of the product transaction server 110 for the sale product of the first terminal 120 .

In one embodiment, the product transaction server 110 may generate a transaction link based on the sale product of the first terminal 120 . Specifically, the product transaction server 110 may receive digital data representing a product for sale of the first terminal 120 and generate a transaction link based on the digital data.

In one embodiment, the product transaction server 110 may determine transaction conditions in response to receiving an input of the second terminal 130 selecting the generated transaction link. The transaction condition may be a transaction condition for transacting the sale product of the first terminal 120 with the second terminal 130 . For example, the transaction condition may include one or more transaction mediation assets corresponding to the value of the product to be sold, that is, the type and quantity of transaction mediation assets. For another example, the transaction condition may include a payment (sale) ratio of each asset when there are multiple types of transaction mediating assets, whether the payment process is performed in real time or at a time interval, and an asset exchange according to the transaction mediating asset. Alternatively, the transaction condition may correspond to an option contract between any two devices of the product transaction server 110 , the first terminal 120 and the second terminal 130 .

In one embodiment, the product transaction server 110 may perform a payment process based on transaction conditions. The commodity trading server 110 deposits the second user assets in the account of the second user by selling the transaction intermediate assets to the second user of the second terminal 130 based on the transaction conditions, and deposits the second user assets to the first user. By transferring to the first user of the terminal 120, first user assets corresponding to the transferred second user assets may be deposited in the account of the first user, and the first user assets may be purchased from the first user.

Meanwhile, first user assets deposited in the first user account may correspond to second user assets deposited in the second user account. As an example, the commodity trading server 110 transfers assets from the second user account to the first user account, but the assets deposited in the second user account before the transfer refer to the second user assets, and after the transfer, the first user Assets deposited in the account may mean first user assets.

The first user asset and the second user asset are assets directly or indirectly owned by the first user and the second user. First user assets and second user assets include real estate assets including real estate and land, stocks, funds (stocks, bonds, etc.), deposits, financial assets including cash, savings insurance, investment insurance, etc. may include insurance assets and other assets including patents, memberships, vehicles, goods, etc. In this case, the first user asset and the second user asset may include digital assets. Digital assets can include all kinds of computerized assets such as copyrighted works and cryptocurrency that can be stored in a storage device.

The first user asset and the second user asset used in the payment process may include a combination of two or more assets of different types, and each sum of the first user asset and the second user asset may correspond to the value of a product sold. there is.

In addition, the ratio of the buyer's assets used in the payment process may be determined based on the transaction conditions. For example, if the product sold is worth $100, the buyer's assets utilized in the payment process could be bonds worth $50, cash worth $30, and cryptocurrencies worth $20. Alternatively, if the value of the product to be sold is 100 dollars, the buyer's assets used in the payment process may be a first cryptocurrency worth 60 dollars and a second cryptocurrency worth 40 dollars.

The second user may sell or buy the transaction mediating asset using the buyer's asset, and similarly, the first user may sell or buy the transaction mediating asset using the seller's asset. Hereinafter, when a second user purchases a transaction mediation asset in exchange for a buyer's asset, the purchased transaction mediation asset is defined as a second user asset, and a transaction mediation asset in which the first user sells the seller's asset in exchange for It may be defined as a first user asset.

The transaction conditions may be previously set through the first terminal 120 or the second terminal 130 or may be set through the commodity trading server 110 according to various factors such as market volatility.

The foregoing embodiment is an example of a combination of buyer assets or seller assets, and types and combinations of buyer assets and seller assets are not limited thereto.

On the other hand, the second user has already delegated or delegated the right to purchase the transaction mediating asset and the right to transfer the purchased second user asset to the first user in exchange for the buyer's asset to the commodity transaction server 110, The first user may sell the first user assets transferred to the commodity trading server 110 and have previously delegated or delegated the authority to receive payment for the seller's assets.

The product transaction server 110 may obtain the financial transaction authority of the second user and the financial transaction authority of the first user. Specifically, the product transaction server 110 may acquire the first user's financial transaction authority from the first terminal 120 and the second user's financial transaction authority from the second terminal 130 . Through this, the product transaction server 110 can access the accounts, electronic wallets, financial assets, and asset exchanges of the first user and the second user, and perform financial transactions including deposit and withdrawal, exchange, transfer, etc. for product transaction. .

In one embodiment, the commodity trading server 110 may perform minting (minting) to convert existing assets from digital data into NFT. Minting is the application of blockchain technology to digital data. After determining the asset price of digital data, it can correspond to the process of registering a product in the market by connecting the digital data with NFT. On the other hand, the method for obtaining the NFT by the commodity trading server 110 from the digital data is not limited to the above, and may be acquired by receiving the NFT generated from the NFT trading server (not shown).

According to one embodiment, the NFT transaction server (not shown) may mediate payment and transaction of NFTs of sales products generated from the product transaction server 110 . For example, the NFT transaction server (not shown) may receive NFT transaction price from the product transaction server 110 and deliver the NFT to the second terminal 130 . The transaction price of the NFT may correspond to an asset price corresponding to the value of digital data determined in the minting process of the commodity trading server 110 .

The product transaction server 110, the first terminal 120, and the second terminal 130 may communicate with each other using a network. For example, the network may include a Local Area Network (LAN), a Wide Area Network (WAN), a Value Added Network (VAN), a mobile radio communication network, a satellite communication network, and any of these It is a comprehensive data communication network that includes mutual combinations and enables each network constituent entity shown in FIG. 1 to communicate smoothly with each other, and may include wired Internet, wireless Internet, and mobile wireless communication network. In addition, wireless communication includes, for example, wireless LAN (Wi-Fi), Bluetooth, Bluetooth low energy (Bluetooth low energy), Zigbee, WFD (Wi-Fi Direct), UWB (Ultra-Wideband), infrared communication (IrDA, Infrared Data Association), NFC (Near Field Communication), etc. may be included, but are not limited thereto.

For example, the first terminal 120 and the second terminal 130 may include a smart phone, a tablet PC, a PC, a smart TV, a mobile phone, a personal digital assistant (PDA), a laptop, a media player, a micro server, and a global positioning (GPS). system) devices, e-book readers, digital broadcasting terminals, navigation devices, kiosks, MP3 players, digital cameras, home appliances, devices equipped with cameras, and other mobile or non-mobile computing devices, but are not limited thereto.

Meanwhile, the product transaction server 110 may be implemented as a computer device or a plurality of computer devices that communicate over a network to provide commands, codes, files, contents, services, and the like.

2 is a diagram illustrating a system including a server for mediating an asset exchange to perform a payment process according to an embodiment.

The system 200 for performing product transactions according to an embodiment may include a mediation server 210, a first terminal 220, a second terminal 230, and a plurality of asset exchanges 240 to 260. . On the other hand, in the system 200 for trading products shown in FIG. 2, only components related to one embodiment are shown, and the number of terminals 220 and 230 and the number of asset exchanges 240, 250 and 260 is not limited Therefore, it is apparent to those skilled in the art that the system 200 for performing commodity transactions may further include other general-purpose components in addition to the components shown in FIG. 1 .

In addition, the mediation server 210 is the same as the product transaction server 110 shown in FIG. 1, or may perform the same function. Alternatively, the mediation server 210 and the first to third asset exchanges 240 to 260 are the same as the product trading server 110 shown in FIG. 1, or may perform the same function.

The system 200 for transacting goods may finally sell the sale product of the first terminal 220 to the second terminal 230 based on the payment process for the sale product of the first terminal 220. . In one embodiment, the mediation server 210 may perform the payment process, or one or more asset exchanges among the plurality of asset exchanges 240 to 260 may perform the payment process.

In one embodiment, the mediation server 210 may select one or more of the plurality of asset exchanges 240-260. The mediation server 210 may select a type of transaction medium asset as a payment method, and select an asset exchange for trading the selected transaction medium asset. Alternatively, the mediation server 210 may select one or more of the plurality of asset exchanges 240 to 260 based on the trading volume, volatility, stability, transaction fee, etc. of each of the plurality of asset exchanges 240 to 260 . At this time, the asset exchanges 240 to 260 may include a stock exchange and a digital asset exchange.

In the following description, the second user asset and the first user asset may include one or more transaction intermediary assets.

In one embodiment, the mediation server 210 may transmit and receive data including a command so that a selected asset exchange among a plurality of asset exchanges 240 to 260 performs the payment process. That is, the mediation server 210 exchanges the buyer asset of the second terminal 230 with the second user asset through the selected asset exchange, transfers the exchanged second user asset to the seller of the first terminal 220, A command for exchanging the transferred first user asset with the seller asset of the first terminal 220 through the selected asset exchange and/or a newly selected asset exchange different from the selected asset exchange is transmitted to perform a product transaction. can In this case, the second user asset may correspond to the first user asset as described above. Exchange of assets in this embodiment and the following embodiments may include financial transactions such as purchase or sale of assets.

In one embodiment, the first mediation server 210 withdraws funds of the second user through a financial institution that the second user of the second terminal 230 has subscribed to or selected (withdrawal of the second user's funds is the purchaser asset) ), it is possible to purchase a second user asset through the selected exchange. For example, the first mediation server 210 may withdraw the second user's cash from a financial institution that the second user subscribes to or selects, and may purchase the second user's asset using the purchaser's asset. At this time, the financial institution may be a bank, and the first mediation server 210 may be a PG company, a VAN company, a card company, or a digital asset exchange corresponding to the financial institution, but the type of the first mediation server 210 corresponds to this Not limited. The first mediation server 210 may purchase assets of the second user using cash procured from a financial institution through a deposit or loan of the second user.

In another embodiment, the first mediation server 210 mediates one or more transactions based on a means for substituting funds of the second user through a financial institution that the second user of the second terminal 230 subscribes to or selects. assets can be purchased. For example, the first mediation server 210 provides a loan service under the condition that the financial institution subscribed or selected by the second user guarantees payment of the second user, and the second user repays the financial institution after a certain period of time. can be used to purchase one or more transaction intermediary assets. That is, when the second user selects credit card payment, the first mediation server 210 receives a purchase price for a transaction mediating asset through the financial institution and purchases one or more transaction mediating assets with the purchase price.

In another embodiment, the first mediation server 210 may lend the buyer asset to the second user of the second terminal 230 . Specifically, the first mediation server 210 may lend the buyer asset based on credit information of the second user. Alternatively, the first mediation server 210 may lend the buyer's assets by using the second user's financial assets and real estate assets as collateral. At this time, the second user's financial assets may be assets deposited in the first mediation server 210, and the value of the buyer's assets that the first mediation server 210 lends to the second user is the value of the second user's assets. It may correspond to a value.

As an example, the financial institution may be a bank, insurance, securities, and card company, and the first mediation server 210 may be a PG company, a VAN company, and other financial product transaction mediation institutions.

On the other hand, as described above, the mediation server 210 is the same as the product transaction server, or may perform the same function. In other words, the commodity trading server may sell one or more transaction intermediary assets based on the second user's funds or a means for substituting the second user's funds.

In addition, the commodity trading server may sell one or more transaction mediation assets to the second user through the first mediation server 210 . Specifically, the first mediation server 210 withdraws the funds of the second user through a financial institution that the second user has subscribed to or selected, or uses a means of substituting funds, to transfer one or more transaction mediation assets from the commodity trading server. It is possible to purchase and deposit the purchased one or more transaction intermediate assets in the account of the second user.

In one embodiment, the first mediation server 210 may sell the first user assets of the first terminal 220 . Alternatively, the second mediation server 210 different from the first mediation server 210 may sell the first user asset of the first terminal 220 .

In one embodiment, the first mediation server 210 may purchase one or more transaction mediation assets based on the credit of the second user of the second terminal 220 . Specifically, the first mediation server 210 may provide a loan service, such as credit, by using the credit of the second user, and the first mediation server 210 or the second user is one using the loan money through the loan service. You can purchase more than one trading medium asset. At this time, the second user must repay the purchase price to the first mediation server 210 within a predetermined period, and repayment conditions such as repayment period and interest may be included in the loan service.

In one embodiment, the commodity transaction server may lend the buyer asset to the second user. At this time, the value of the buyer's asset may correspond to the value of one or more transaction intermediate assets to be sold by the commodity trading server, that is, the value of the second user's asset. The commodity trading server may sell one or more transaction mediating assets to the second user based on the buyer's assets.

In another embodiment, the commodity transaction server may lend the buyer asset to the second user through the first mediation server 210 . In addition, the product transaction server may lend the buyer asset to the second user through the first mediation server 210 .

Specifically, the first mediation server 210 may lend the buyer asset to the second user based on the credit of the second user. The first mediation server 210 may purchase one or more transaction mediation assets using buyer assets loaned to the second user. The first mediation server 210 may deposit the purchased one or more transaction mediation assets in the account of the second user.

In one embodiment, the first mediation server 210, if the buyer asset owned by the second user is a predetermined ratio (eg, 30% of the purchase price) or more of the purchase price for one or more transaction mediation assets to be purchased, One or more transaction mediating assets may be purchased using the buyer's assets as margin.

In one embodiment, the third mediation server 210 may check whether a transaction for a product for sale is completed. Specifically, the third mediation server 210 may determine that the transaction for the sale product is completed when receiving a signal from the second user that the transaction is complete, such as purchase confirmation, purchase completion, and sale product reception. Alternatively, the third mediation server 210 may determine that the transaction for the product for sale is completed when a predetermined period has elapsed even if a signal indicating that the transaction has been completed is not received from the second user. In addition, the third mediation server 210 may transfer the price for selling the first user asset to the first user by converting the first user to a state in which the first user can withdraw. For example, the third mediation server 210 may be an electronic commerce company such as an online general shopping mall or an open market.

The aforementioned first to third mediation servers 210 may mean different servers, but two or more may be the same server. Also, the second and third mediation servers 210 may perform the above-described embodiment with respect to the first mediation server 210 . In other words, the second and third mediation servers 210 may perform the same functions as those performed by the first mediation server 210 .

The first to third mediation servers 210 may include financial institutions such as securities companies, card companies, banks, insurance companies, capitals, financial holding companies, liquidity providers, and PG companies, but the type of mediation server 210 is Not limited. In addition, the first to third mediation servers 210 may function as liquidity providers.

The mediation server 210 and the plurality of asset exchanges 240 to 260 may communicate with each other using a network. Examples of the network are the same as described above in FIG. 1 .

Meanwhile, each of the plurality of asset exchanges 240 to 260 may be implemented as a computer device or a plurality of computer devices that communicate over a network to provide commands, codes, files, contents, services, and the like.

3 is a diagram exemplarily illustrating generating an NFT and a web link through which the NFT can be purchased according to an embodiment.

According to an embodiment, a device (hereinafter, referred to as a 'device') performing product transaction may generate a transaction link based on digital data 300 for a product for sale received from a first user. For example, the transaction link may be a web link or an app link through which the second user can purchase a product for sale. Alternatively, the transaction link may be a command that causes the device to determine a payment condition or perform a payment process in order for the second user to purchase a product for sale.

In one embodiment, the device may generate an NFT 310 that authenticates ownership of a product for sale based on the digital data 300 . In addition, the device may generate a web link or app link through which the NFT 310 can be purchased.

Referring to FIG. 3 , the device may receive digital data 300 representing a product for sale from a first user. The digital data 300 may correspond to a photo 300 taken with a camera of a specific product that the first user wants to sell. The device may generate the NFT 310 by minting a photo 300 of a first user's product for sale with a camera.

The device may generate authentication information for authenticating that the first user has ownership of the product for sale by mapping the information about the product for sale and the NFT information. That is, the authentication information may correspond to information for authenticating that the owner of the NFT 310 is the owner of a product for sale. Also, the information on the sale product may include identification information on a person who owns the sale product. That is, this is to clarify the change in ownership of the product according to the transaction of the NFT (310) by generating authentication information connecting the NFT (310) with the actual sales product to be traded through the NFT (310).

Information on products and NFT information for generating authentication information may be received from the first user or a separate NFT generating server not shown in FIG. 1 described above.

Finally, the device may create a transaction link through which the second user can purchase the generated NFT 310 . For example, the transaction link may be a web link or an app link, but is not limited thereto.

4 is a diagram for explaining that a transaction is performed between a first terminal, a second terminal, and a product transaction server according to an embodiment.

Referring to FIG. 4 , a method of performing product transaction may be performed by a product transaction server 400 , a first terminal 410 and a second terminal 420 . As described above, the first terminal 410 may correspond to a terminal of a first user corresponding to a seller, and the second terminal 420 may correspond to a terminal of a second user corresponding to a buyer.

In one embodiment, the product transaction server 400 may receive digital data 430 about a product for sale from the first user or the first terminal 410 . For example, the digital data 430 may be a picture taken with a camera of a product for sale.

In one embodiment, the product transaction server 400 may generate the transaction link 440 based on the first user's sale product. Specifically, the product transaction server 400 may generate a transaction link 440 based on the digital data 430 . As an example, the product transaction server 400 may create a transaction link 440 that accesses or connects to the payment process 470 to purchase a product for sale based on the digital data 430 . The deal link 440 can be a button on the web or a URL (Uniform Resource Locator) that can be embedded anywhere.

In one embodiment, transaction link 440 may be a web link or an app link. For example, the transaction link 440 may be a web link or an app link through which an NFT can be purchased for an NFT for a product for sale obtained based on the digital data 430 .

In one embodiment, transactional link 440 may be a QR code. The second terminal 420 may access the payment process 470 through a QR code. The second terminal 420 may receive a payment start signal for the payment process 470 by scanning or recognizing the QR code.

As another example, the transaction link 440 may include a button for initiating a transaction, a link, and other information related to an interface capable of interacting with a user, but the shape of the transaction link 440 is not limited thereto.

In one embodiment, the product transaction server 400 sets the transaction conditions 450 for the transaction of the sale product in response to receiving an input for the transaction link 440 from the second user or the second terminal 420. can decide

Trade terms 450 may include one or more types of trade intermediary assets. For example, transaction mediation assets may include virtual currency, digital assets such as NFTs and game money, bonds, stocks, and cash. That is, when the product transaction server 400 receives an input for the transaction link 440 from the second terminal 420, the payment method (or payment currency) to be used for the product transaction or payment process 470, that is, It is possible to determine the type of transaction intermediary asset. However, transaction mediating assets may include spot and futures, and are not limited to the above examples.

Trade terms 450 may include an asset exchange where trades are conducted for one or more trade intermediary assets. The transaction condition 450 for the asset exchange may be determined by first determining the type of transaction mediating asset and determining the asset exchange that trades the determined transaction mediating asset as the transaction condition 450, but may be determined independently according to the characteristics of the exchange. .

For example, when a transaction mediating asset to be utilized in the payment process 470 is determined to be a specific cryptocurrency, the commodity trading server 400 performs at least one of a first cryptocurrency exchange and a second cryptocurrency exchange where a transaction for a specific cryptocurrency is made. may be determined as the transaction condition 450. However, the commodity trading server 400 determines at least one of the first cryptocurrency exchange and the second cryptocurrency exchange as the trading condition 450 in consideration of the cryptocurrency trading volume, volatility, stability, and transaction fee of each cryptocurrency exchange. can

For another example, when a transaction medium asset to be utilized in the payment process 470 is a stock, the commodity transaction server 400 may determine the Korea Exchange (KRX) as the exchange for the transaction condition 450 .

That is, the commodity trading server 400 may determine an asset exchange in which a trade for one or more trade mediating assets is performed as a trade condition 450 .

The trade terms 450 may include options contract terms. An option contract is a contract that limits the right of cancellation by the subscriber, and includes call options and put options. A call option is a contract in which the beneficiary has the right to require the approver to sell the property at an agreed price, and a put option is a contract in which the beneficiary has the right to require the approver to sell the property at an agreed upon price. At this time, the beneficiary, the option holder, pays a certain price to purchase the option, and if it is advantageous to him or her, he or she can exercise the option and perform the contract, and if it is unfavorable, he or she can give up the exercise of the option and not perform the contract. Conversely, the option issuer, as the grantor, has an obligation to fulfill the contract if the holder of the option wishes to perform the contract.

In one embodiment, the transaction condition 450 may include a price agreed upon for the second terminal 420 to purchase a product for sale from the first terminal 410 at a specific price according to the call option. At this time, when the payment time arrives, the first terminal 410 cannot reject the purchase of the second terminal 420 but may not purchase the second terminal 420 . That is, the transaction condition 450 according to the call option is a condition in which the second terminal 420 can select an advantageous decision based on the value of the product for sale at the time of payment and the agreed price. Conversely, the transaction condition 450 may include a price at which the first terminal 410 agrees to sell the sale product to the second terminal 420 at a specific price according to the put option. When the payment time arrives, the second terminal 420 cannot reject the sale of the first terminal 410 but may not sell the first terminal 410 . That is, the transaction condition 450 according to the put option is a condition under which the first terminal 410 can select an advantageous decision based on the value of a product for sale at the time of payment and the agreed price.

In one embodiment, an options contract may be a trading condition 450 for a trading intermediary asset. For example, the transaction condition 450 may include a condition that a transaction is performed with a corresponding transaction mediating asset despite a change in the value of the transaction mediating asset. Specifically, the first terminal 410 and/or the second terminal 420 must perform a transaction for a product for sale by using this despite the change in transaction mediating assets. In this case, the advantages and disadvantages in the transaction process of the first terminal 410 of the seller and the second terminal 420 of the buyer may vary based on the fluctuations of the assets involved in the transaction. In addition, depending on the type of option contract, the terminal capable of giving up the right to purchase or sell may be different in case of unfavorable conditions.

In one embodiment, the commodity trading server 400 may determine one or more trade intermediary assets based on characteristics of the merchandise for sale and/or trade intermediary assets. As an example, the product transaction server 400 determines one or more transaction mediation assets based on the characteristics of the sales product and/or transaction mediation asset at the time of receiving the input of the second terminal 420 for the transaction link 440. type can be determined. The characteristics of the product for sale may include the value or size of the product for sale and the type of product for sale. In addition, the characteristics of transaction mediation assets may include price volatility, transaction volume, liquidity, and transaction fees of each transaction mediation asset.

For example, the product transaction server 400 receives the identification information of the first user of the first terminal 410 and the second user of the second terminal 420, and determines the propensity of the seller and the buyer based on the identification information. After acquisition, the type of transaction mediating asset can be determined based on the acquired propensity. As an example, when the propensity of the buyer or seller is stable, the commodity trading server 400 may select a transaction medium asset having a large transaction volume and low volatility as an asset to be used in the payment process 470 .

In one embodiment, the one or more transaction intermediary assets may include a first asset and a second asset that are different from each other. That is, the transaction mediation assets to be used in the payment process 470 may be a plurality of transaction mediation assets of different types, and in this case, the transaction condition 450 may further include a sale rate or a purchase rate of each of the plurality of transaction mediation assets. can Specifically, the product transaction server 400 may determine a transaction medium asset to be used in the payment process 470 at a selling or buying ratio of 60% for the first asset and 40% for the second asset.

In one embodiment, trade terms 450 may include an option contract to maintain a fixed price for one or more traded intermediary assets. Specifically, when one or more transaction mediation assets are assets with high volatility (for example, cryptocurrencies such as coins), the transaction condition 450 may include an option contract for hedging the transaction mediation asset price. Option contracts can include many types of cryptocurrency purchase contracts, short sale contracts, and futures contracts. At this time, in performing the payment process 470 as will be described later, the commodity trading server 400 may purchase a put option for one or more transaction mediating assets. In this way, through the purchase of option contracts and put options for hedging the price of the transaction-mediated asset, losses due to price volatility can be offset.

In one embodiment, the commodity transaction server 400 performs the payment process 470 using the buyer asset 460 of the second terminal 420, and consequently transfers the seller asset 480 to the first terminal 410. can be forwarded to the seller. From the point of view of the first terminal 410, when the first terminal 410 transmits the sale product or the digital data 420 for the sale product, the asset 480 corresponding to the value of the sale product from the product transaction server 400 can receive From the point of view of the second terminal 420, when the second terminal 420 selects the transaction link 440 of the sale product to be purchased, the asset 460 corresponding to the value of the sale product is withdrawn and the digital data 420 You can purchase the corresponding sales product.

In one embodiment, the product transaction server 400 may perform authentication for the first terminal 410 and the second terminal 420 to perform product transaction. Authentication for performing product transactions may include authentication necessary for performing transactions with respect to accounts of sellers and buyers, electronic wallets, transaction mediation assets, and asset exchanges. In the authentication process, as described above, the authority for payment may be delegated.

In one embodiment, product transaction server 400 may perform payment process 470 based on transaction conditions 450 . A process in which the product transaction server 400 performs the payment process 470 will be described in detail with reference to FIG. 5 .

5 is a diagram for explaining that a transaction is performed between a first terminal, a second terminal, and a product transaction server according to a payment process according to an embodiment.

5, a product transaction server 500, a first terminal 510, a second terminal 520, digital data 530, a transaction link 540, a transaction condition 550, and a buyer asset 560 , Among the descriptions of the seller asset 580 and the payment process 570, descriptions overlapping with those in FIG. 4 will be omitted.

In one embodiment, the commodity trading server 500 may sell one or more transaction mediating assets 571 to the second terminal 520 in exchange for the buyer's assets 560 based on transaction conditions. At this time, the sold transaction intermediate asset 571 is defined as the second user asset 571, and the commodity trading server 500 may deposit the second user asset 571 in the account of the second terminal 520. there is.

For example, when the buyer asset 560 is 147,000 won in cash and the transaction medium asset 571 to be exchanged is coin X, which is a virtual currency worth 10,002 won at the time of the payment process, the commodity trading server 500 transfers the buyer asset 560 14.6970 coins X 571 may be sold to the second terminal for a price of . At this time, a transaction fee (selling fee) of Coin X may occur. For example, if the transaction fee of Coin X is 0.05% for each purchase and sale, the commodity trading server 500 can sell 14.6897 Coin X (571) in exchange for 147,000 won of the buyer's asset (560) there is. The transaction medium asset purchased by the second terminal 520 may be deposited in the account of the second user as the second user asset 571 .

As an example, when there are a plurality of types of one or more transaction mediation assets 571 and the commodity transaction server 500 determines the selling ratio of each of the plurality of transaction mediation assets 571 as the transaction condition 550, the commodity transaction server 500 may sell a plurality of transaction intermediate assets 571 to the second terminal 520 based on the selling ratio. For example, when the transaction mediating assets 571 are a first digital asset and a second digital asset, the commodity trading server 500 converts the first digital asset to 40% of the value of the buyer's asset 560 and the second digital asset. 60% of the value of the buyer's asset 560 can be sold. On the other hand, the number of trading mediating assets is not limited to two.

As another example, when the commodity trading server 500 determines the agreed price in the option contract as the trading condition 550 as described above, the commodity trading server 500 determines one or more trading mediating assets based on the agreed price. It can be sold to a second user. At this time, the second user may pay the buyer asset 560 as the purchase price.

In addition, when the commodity trading server 500 purchases a put option according to an option contract, the commodity trading server 500 sells one or more trading mediating assets 571 to the second terminal 520 based on the put option. can Specifically, the commodity trading server 500 may sell the transaction mediation asset 571 to the second terminal 520 according to the price of the transaction mediation asset 571 determined in the put option.

In one embodiment, transaction terms 550 may include taxes and dues applied to payment process 570 . Taxes and dues include taxes imposed by the state or local public organizations as a policy, and public charges, that is, public charges imposed compulsorily by the state or public organizations. The product transaction server 500 may determine taxes and public charges as the transaction condition 550 based on characteristics of the payment process 570, such as an asset exchange and a type of transaction mediating asset.

In one embodiment, the product transaction server 500 may deposit the first user asset 572 in the account of the first user by transferring the second user asset 571 to the first terminal. For example, when the type of transaction mediating asset is virtual currency, the commodity transaction server 500 transfers the virtual currency 571 of the blockchain wallet owned by the second terminal 520 or the second user to the first terminal 510 or the first terminal 510. 1 It can be transferred to the virtual currency (572) of the blockchain wallet owned by the user. And by recording it in the blockchain wallets of the second user and the first user, the first user's assets can be deposited.

In one embodiment, the commodity transaction server 500 checks whether the sale of the transaction mediation asset 571 has been completed, and based on whether or not the sale is completed, the second user asset 571 is transferred to the first terminal 510 or the first terminal 510. transferable to the user. That is, the product transaction server 500 may provide an escrow service so that the transaction can be smoothly performed when the payment process 570 or the credit relationship between the first terminal 510 and the second terminal 520 participating in the transaction is uncertain. there is.

In one embodiment, the commodity trading server 500 may purchase the first user asset 572 from the first terminal 510 or the first user.

For example, when the first user asset 572 is 14.6897 coins X worth 10,002 won at the time of performing the payment process and the seller asset 580, which is the purchase price, is cash, the commodity transaction server 500 is the first user asset ( 572) at 146,926 won (580). At this time, a transaction fee (purchase fee) of Coin X may occur. For example, if the transaction fee of Coin X is 0.05% for each purchase and sale, the commodity trading server 500 may purchase 14.6897 Coin X, which is the first user asset 572, at 146,850 won (580). .

In one embodiment, the commodity transaction server 500 may perform the above-described payment process 570 of sale, transfer, and purchase in real time. As the payment process 570 is performed in real time, stability of the transaction can be guaranteed even when the transaction intermediate assets 571 and 572 that change in real time are selected.

In one embodiment, the commodity transaction server 500 may perform at least one step of the payment process of sale, transfer, and purchase with a time difference. For example, the commodity trading server 500 may set a predetermined time difference between determining the transaction condition 550 and selling the second user asset 571 . Alternatively, the commodity trading server 500 may set a predetermined time difference between selling the second user asset 571 and transferring the second user asset 571 to the first user. Alternatively, there may be a predetermined time difference between the transfer of the second user asset 571 to the first user and the purchase of the first user asset 572 .

When a transaction medium asset has high price volatility, a price change may occur due to a time difference between the time of selling the second user asset 571 and the time of purchasing the first user asset 572 . As described above, the commodity trading server 500 may purchase a put option in order to hedge a price change due to a time difference in the payment process 570 . In addition, one or more transaction mediating assets may be sold to the second terminal 520 or the second user based on the put option.

On the other hand, when the commodity trading server 500 exchanges the buyer's asset 560 with the buyer's digital asset 571 or the seller's digital asset 572 with the seller's asset 580, the liquidity provider , LP) can participate. A liquidity provider means that a securities company, etc., adjusts and presents the bid and ask prices in order to activate trading of stocks whose trading is sluggish due to the difference between bid and ask prices. The commodity trading server 500 may perform the aforementioned exchange based on the bid and ask prices suggested by the liquidity provider. Alternatively, the purchase and sale prices suggested by the liquidity provider may be included in the trading conditions 550 .

In one embodiment, the liquidity provider may perform a transaction so that the second user's assets 571 are transferred to the first user. Specifically, the liquidity provider may conclude an LP contract with the commodity trading server 500, mediation server, financial institution, or asset exchange, and submit a quote so that the second user asset 571 can be transferred.

On the other hand, when the liquidity provider buys and sells transaction-mediating assets (including the second user asset 571 and the first user asset 572) based on the LP contract, the LP contract includes a buy condition sell contract or a sell condition A purchase agreement may be included. In addition, the LP contract may include a contract to sell at the same selling price as the buying price or a contract to buy at the same buying price as the selling price. Such an LP contract may correspond to the aforementioned options, and the conditions of the LP contract may be included in the transaction conditions 550.

In one embodiment, the product trading server 500 may be the subject of selling the second user asset 571 or purchasing the first user asset 572, but an asset exchange or an entity related to the asset exchange , can be performed indirectly by liquidity providers and mediation servers. In other words, as described above in FIG. 2 , the commodity trading server 210 may transmit a command and receive data so that the payment process 570 is performed by the other asset exchanges 240 to 260 . In addition, the sale or purchase of transaction mediating assets may be performed between the liquidity provider and the mediation server.

Similarly, the transfer of the second user asset 571 to the first user may be performed by the commodity trading server 500, but indirectly performed by an asset exchange, a subject related to the asset exchange, a liquidity provider, and an intermediary server. It can be.

In one embodiment, the asset exchange where settlement process 570 is performed may charge a transaction fee for each sale or purchase of an intermediary asset. At this time, as a transaction fee is generated in the selling step, the product transaction server 500 may sell the transaction mediating asset 571 excluding the transaction fee using the purchaser asset 560 as the selling price.

Similarly, assuming that a transaction fee is incurred in the transfer step of transferring the second user asset 571 to the first user, the commodity transaction server 500 transfers the second user asset 571 as a transaction medium excluding the transaction fee. It can be transferred to asset 572. Similarly, a transaction fee may be incurred in the purchase step of the first user asset 572 . Transaction fees of the above asset exchange may be included in the transaction conditions 550.

6 is a flowchart illustrating a method of performing a product transaction according to an embodiment.

In step 610, the device may generate a transaction link based on the sale product of the first user corresponding to the seller.

In step 620, the device may determine the transaction condition in response to receiving an input for the transaction link from the second user corresponding to the purchaser. In one embodiment, the transaction condition is one corresponding to the value of the product for sale. It may include more than one transaction mediation asset.

In one embodiment, the device may determine an asset exchange on which trades for one or more trade intermediary assets are conducted. For example, asset exchanges may include stock exchanges, bond exchanges, and digital asset exchanges.

In one embodiment, the device may determine the transaction fees of the asset exchange and the taxes and charges applied to the settlement process.

In one embodiment, the device determines the type of one or more transaction mediation assets from among a plurality of preset assets, based on at least one of the value of the product to be sold, the type of the product to be sold, the price volatility of the transaction mediation asset, the liquidity, and the transaction fee. can

In one embodiment, when there are two or more types of transaction mediating assets, the device may determine a selling rate of the transaction mediating assets as a transaction condition.

In one embodiment, the one or more transactional assets may include virtual currencies, NFTs, bonds, stocks, and cash.

In one embodiment, the transaction condition is a price at which the second user agrees to purchase a product for sale to the first user at a specific price or a price at which the first user agrees to sell a product for sale to the second user at a specific price. can include

In one embodiment, the first user may correspond to a buyer or a purchase agent authorized by the buyer for financial transactions, and the second user may correspond to a seller or a sales agent authorized to perform financial transactions by the seller. In this case, the financial transaction authority may include authentication authority and transaction authority for at least one of an account of the first user or the second user, an electronic wallet, one or more transaction intermediate assets, and an asset exchange.

In step 630, the device may perform a payment process based on the transaction conditions.

7 is a flowchart illustrating a payment process according to an exemplary embodiment.

In step 710, the device may deposit the second user asset in the account of the second user by selling the one or more transaction intermediary assets to the second user based on the transaction conditions, or send a command to deposit the second user asset to the asset exchange server. .

In one embodiment, if there is a time lag in at least one step of the settlement process, the device sends a command to buy or buy a put option on one or more trading-intermediate assets to the asset exchange to hedge price volatility over time. can be sent to the server. In addition, the device may sell, or send a command to the asset exchange server to sell one or more trading intermediate assets to the first user based on the put option.

In one embodiment, when there are two or more types of transaction mediation assets, the device may sell the transaction mediation assets to the first user based on the selling ratio, or may transmit a command for selling the transaction mediation assets to the asset exchange server.

In one embodiment, the device may send an instruction to the asset exchange server to sell or sell one or more transaction intermediary assets to the first user based on a price agreed upon between the first user and the second user.

At step 720, the device may send an instruction to the asset exchange server to deposit or deposit a first user asset in an account of the first user by transferring the second user asset to the first user.

In one embodiment, the device may check whether the sale according to step 710 has been completed. In addition, the second user asset may be transferred to the first user based on completion.

In step 730, the device may send the asset exchange server a command to buy or purchase the first user's asset from the first user.

In one embodiment, the device may perform steps 710 to 730 in real time, or transmit commands to the asset exchange server to perform them in real time.

In one embodiment, the device may transmit at least one step of steps 710 to 730 with a time difference or a command to perform them with a time difference to the asset exchange server.

In one embodiment, at least one of steps 710 to 730 may transmit, to the asset exchange server, a command for performing or performing an exchange or transfer based on a predetermined transaction fee.

Figure 8 is a block diagram of a device for performing a transaction of goods according to an embodiment.

Referring to FIG. 8 , an apparatus 800 for transacting products may include a communication unit 810 , a processor 820 and a memory 830 . Only components related to the embodiment are shown in the apparatus 800 for performing product transaction of FIG. 8 . Accordingly, those skilled in the art can understand that other general-purpose components may be further included in addition to the components shown in FIG. 8 .

The communication unit 810 may include one or more components that enable wired/wireless communication with other nodes. For example, the communication unit 810 may include at least one of a short-range communication unit (not shown), a mobile communication unit (not shown), and a broadcast reception unit (not shown). In one embodiment, the communication unit 810 may transmit and receive data by communicating with the user terminal and the asset exchange server.

The memory 830 is hardware for storing various data processed in the device 800 for performing commodity transactions, and may store programs for processing and control of the processor 820 . The memory 830 may store payment information including purchase, sale, and transfer of assets, and user information such as buyers and sellers.

The memory 830 may include random access memory (RAM) such as dynamic random access memory (DRAM) and static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), and CD-ROM. ROM, Blu-ray or other optical disk storage, hard disk drive (HDD), solid state drive (SSD), or flash memory.

The processor 820 controls the overall operation of the device 800 for transacting goods. For example, the processor 820 may generally control an input unit (not shown), a display (not shown), a communication unit 810, and the memory 830 by executing programs stored in the memory 830. The processor 820 may control at least some of the operations of the apparatus for performing the above-described product transaction in FIGS. 1 to 7 by executing programs stored in the memory 830 .

The processor 820 may include application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), controllers, and microcontrollers. It may be implemented using at least one of micro-controllers, microprocessors, and electrical units for performing other functions.

In one embodiment, the device 800 for transacting goods may be a mobile electronic device. For example, the device 800 for transacting goods may include a smart phone, a tablet PC, a PC, a smart TV, a personal digital assistant (PDA), a laptop, a media player, a navigation device, a device equipped with a camera, and other mobile electronic devices. can be implemented as In addition, the device 800 for transacting goods may be implemented as a wearable device such as a watch, glasses, hair band, and ring having a communication function and a data processing function.

In one embodiment, the device 800 for performing product transactions may include a transaction interface generation unit, a transaction condition determination unit, a liquidity supply unit, and an account management unit. In this case, each unit (unit) may be a software component executed by the processor 820 .

In one embodiment, the transaction interface generation unit may generate a transaction link based on the sale product of the first user corresponding to the seller. Among embodiments related to creating a transaction link by a transaction interface, descriptions of the above-described embodiments in FIGS. 1 to 7 will be omitted.

In one embodiment, the transaction condition determination unit may determine the transaction condition in response to receiving an input on the transaction link from the second user corresponding to the purchaser. In another embodiment, the transaction condition determination unit may select a third party that mediates the payment process or transaction. Among the embodiments related to the transaction condition determination unit determining the transaction conditions, descriptions of the above-described embodiments in FIGS. 1 to 7 will be omitted.

In one embodiment, the liquidity supply unit and the account management unit may perform a payment process. For example, the liquidity supply unit may deposit the second user's asset in the second user's account by selling one or more transaction mediating assets to the second user based on the transaction conditions.

In one embodiment, the account manager may deposit the first user's assets in the first user's account by transferring the second user's assets to the first user. On the other hand, if the third subject is selected, the account management unit confirms that the second user's assets are deposited in the second user's account by the liquidity supply unit, and the second user's assets are transferred to the third subject's account, not the first user's account. can be transferred to your account.

In one embodiment, the liquidity provider may purchase first user assets from the first user. Meanwhile, when the third subject is selected, the liquidity supply unit may confirm that the second user assets are transferred to the account of the third subject by the account management unit, and may purchase the transferred assets from the third subject.

Among the embodiments related to the liquidity supply unit and the account management unit performing the payment process, descriptions of the above-described embodiments in FIGS. 1 to 7 will be omitted.

Various embodiments of the present disclosure may be implemented as software (eg, a program) including one or more instructions stored in a storage medium readable by a machine. For example, the processor of the device may call at least one command among one or more commands stored from a storage medium and execute it. This enables the device to be operated to perform at least one function according to the at least one command invoked. The one or more instructions may include code generated by a compiler or code executable by an interpreter. The device-readable storage medium may be provided in the form of a non-transitory storage medium. Here, 'non-temporary' only means that the storage medium is a tangible device and does not contain signals (e.g., electromagnetic waves), and this term refers to the case where data is stored semi-permanently in the storage medium. It does not discriminate when it is temporarily stored.

According to one embodiment, the method according to various embodiments of the present disclosure may be included and provided in a computer program product. Computer program products may be traded between sellers and buyers as commodities. A computer program product is distributed in the form of a device-readable storage medium (eg compact disc read only memory (CD-ROM)), or through an application store (eg Play Store™) or between two user devices. It can be distributed (e.g., downloaded or uploaded) directly or online. In the case of online distribution, at least part of the computer program product may be temporarily stored or temporarily created in a device-readable storage medium such as a manufacturer's server, an application store server, or a relay server's memory.

The scope of the present embodiment is indicated by the appended claims rather than the detailed description above, and should be construed as including all changes or modifications derived from the meaning and scope of the claims and equivalent concepts thereof.

Claims (9)

generating a transaction link based on the sale product of the first user corresponding to the seller;
determining a transaction condition in response to receiving an input for the transaction link from a second user corresponding to the buyer; and
performing a payment process based on the transaction conditions;
including,
The above transaction conditions are,
Including one or more transaction mediation assets corresponding to the value of the sale product,
The step of performing the payment process,
(a) depositing a second user asset in an account of the second user by selling the one or more transaction intermediate assets to the second user based on the transaction condition;
(b) depositing first user assets in an account of the first user by transferring the second user assets to the first user; and
(c) purchasing the first user asset from the first user;
Including, how to conduct a transaction of goods. According to claim 1,
In step (a),
A selling step of selling the one or more transaction intermediate assets based on the second user's funds or a means for replacing the second user's funds;
The one or more transaction intermediate assets sold are
The second user asset is deposited in the second user's account. According to claim 2,
In the selling phase,
Selling the one or more transaction mediation assets to the second user through a first mediation server;
The first mediation server,
Withdraw funds of the second user through a financial institution that the second user subscribes to or selects, or purchase the one or more transaction mediation assets by using a means to replace the funds, and buy the one or more transaction mediation assets Depositing in the account of the second user, a method of performing a transaction of goods. According to claim 1,
In step (b),
wherein the second user assets are transferred to the first user by a liquidity provider. According to claim 4,
The method,
(d) transferring the purchase price of the first user's asset to the first user through a second mediation server;
The second mediation server,
The method of performing a product transaction, which checks whether the transaction for the product for sale is completed, and converts the purchase price of the first user's asset into a state in which the first user can withdraw. According to claim 1,
In step (a),
a lending step of lending a buyer's asset, wherein the value of the buyer's asset corresponds to the value of the second user's asset, to the second user; and
A selling step of selling the one or more transaction mediating assets to the second user based on the buyer's assets;
The one or more transaction intermediate assets sold are
The second user asset is deposited in the second user's account. According to claim 6,
In the rental phase,
Renting the buyer asset to the second user through a first mediation server;
In the selling phase,
Selling the one or more transaction mediation assets to the second user through the first mediation server; including,
The first mediation server,
The purchaser asset is lent to the second user based on the credit of the second user, the purchaser asset is used to purchase the one or more transaction mediation assets, and the purchased one or more transaction mediation assets are transferred to the second user. A method of conducting a transaction of goods, depositing in the account of. a memory for storing at least one program;
A communication unit for transmitting and receiving data with at least one of an asset exchange, a first mediation server, and a second mediation server; and
Including at least one processor that performs trading of goods by executing the at least one program,
The at least one processor,
Generate a transaction link based on the first user's sale product corresponding to the seller;
In response to receiving an input to the transaction link from a second user corresponding to the buyer, determine transaction terms;
Perform a payment process based on the transaction conditions,
The above transaction conditions are,
Including one or more transaction mediation assets corresponding to the value of the sale product,
The processor performing the payment process,
Depositing a second user asset in an account of the second user by selling the one or more transaction intermediate assets to the second user based on the transaction condition through the communication unit;
Depositing a first user asset in an account of the first user by transferring the second user asset to the first user through the communication unit;
An apparatus for performing a transaction of goods, comprising purchasing the first user assets from the first user through the communication unit. A computer-readable recording medium on which a program for executing the method of claim 1 is recorded on a computer.

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