WO2001084408A1

WO2001084408A1 - Joint purchasing method, joint purchasing system, solvency guaranty method and guaranty system

Info

Publication number: WO2001084408A1
Application number: PCT/JP2001/003732
Authority: WO
Inventors: Kunihiko Kaji
Original assignee: Investoria Inc.
Priority date: 2000-04-27
Filing date: 2001-04-27
Publication date: 2001-11-08
Also published as: JPWO2001084408A1; AU5265401A

Abstract

A joint purchasing system for forming a community consisting of many individual via networks, facilitating the purchase of even expensive financial products, and avoiding predictable troubles to be encountered at purchasing or selling wile ensuring a freedom of timing of purchasing or selling. The joint purchasing system enables a plurality of users (A-E) to jointly purchase products via the Internet (1) constituted by mutually connecting terminals with communication lines, wherein a virtual union (3) for which dissolution conditions are pre-defined is formed, and a control system (2) for controlling/managing the virtual union (3) is set; and the control system (2) purchases jointly purchasing products from the market (4) as an agent for the virtual union (3), and, when the virtual union (3) is to be dissolved with the dissolution conditions satisfied, sells jointly purchased products and distributes money obtained by the selling according to the shares of respective union members.

Description

Description Joint purchase method, joint purchase system, guarantee method of payment ability and guarantee system

The present invention relates to a method and a system for jointly purchasing sales transactions of financial products and the like via a network such as the Internet and an intranet.

In addition, the present invention relates to a method and system for guaranteeing payment ability when conducting transactions via a network such as the Internet and an intranet. Background art

In recent years, with the spread of personal computers and mobile terminals and technological progress, these terminals have been connected to each other via telephone lines, dedicated lines, wireless lines, LANs, etc. Networks are evolving. Recently, a system has been developed for trading financial products such as stocks using such a network.

By the way, among the financial products traded, there are some stocks whose prices have risen and cannot be purchased at the individual level. Therefore, there is a demand that multiple people jointly invest and purchase one product. By using the Internet, a community can be formed by building a large number of human relationships without being restricted by physical distance, and it is considered that such a request can be realized relatively easily. .

However, human relations on the Internet are in virtual space. Trust relationship is sparse because of the relationship. Also, if a community is formed by a large number of people, an organization that manages and operates the community will be required, and it may be difficult for everyone to unite. In particular, it is not easy to adjust the timing of purchase / sale by a large number of financial instruments, etc., in which price fluctuations are remarkable and its prediction is difficult, so the present invention has been made in view of the above points. It has formed a community of many individuals via a network, facilitated the purchase of expensive financial products, and secured the flexibility of purchase and sale timing, It is an object of the present invention to provide a joint purchase method and a joint purchase system that can avoid troubles expected at that time.

In the past, transactions such as sales contracts for commodities have been conducted between individuals via a network. Responsibility for transactions between individuals via this network is, in principle, attributable to the individual.

However, in the transactions on the Internet, the nature of the network, which is highly anonymous, has the problem that, unlike in the real world, it is difficult to identify trading partners. On such a network, it is difficult to use a credit card or the like for commercial lighting, and it is also difficult to confirm mutual credibility during a transaction.

In recent years, net fraud such as breach of contract that exploits anonymity has occurred.

One way to avoid troubles that may occur during personal transactions on such a network is to disclose each other's personal information at the time of personal transactions.However, this method requires a highly anonymous business partner. It is not appropriate because the personal information of the user will be leaked and the personal information may be misused.

Therefore, in transactions between individuals via a network, it is necessary to secure transactions. Therefore, it is necessary to provide a means for objectively confirming the mutual financial performance of contracts.

Accordingly, the present invention has been made in view of the above points, and an object of the present invention is to provide a method and system for guaranteeing a payment ability capable of making personal transactions performed over a network safe and easy. This is an issue. Disclosure of the invention

The invention according to the present application has been made to solve the above problems, and a joint purchase method and a joint purchase system of the present invention are provided by a plurality of persons through a network constructed by connecting terminals to each other via a communication line. When making a joint purchase, the plurality of persons form a joint purchase association in which the dissolution conditions are predetermined, purchase the joint purchase target by the joint purchase association, and when the dissolution conditions are satisfied, It is characterized by dissolving the purchase cooperative, selling the co-purchased object purchased, and distributing the price obtained by the sale according to each partner's share.

In addition, the dissolution conditions in the present invention include, besides the fact that the price of the joint purchase object purchased later reaches a certain amount and the time limit, for example, the number of joint purchasers, the number of shares, and the predetermined conditions. Is a concept that includes conditions that are concluded based on the consent of the joint purchaser, such as the indefinite term.

According to the present invention, an object to be jointly purchased is purchased by a joint purchasing association formed by a plurality of persons, so that even expensive products can be purchased. Since this co-purchase cooperative is formed through a network, it can be formed by individuals scattered over a wide area.

Further, according to the present invention, the dissolution is performed when the joint purchase target is sold, and since the dissolution conditions are determined in advance, unification of the intention of the sale is attempted Labor can be reduced.

In the joint purchasing method and the joint purchasing system of the present invention, the dissolution condition can be a time limit. In this case, the contract period is fixed and the joint purchasing association is dissolved, which enables quick decision-making.

In the joint purchase method and the joint purchase system of the present invention, the dissolution condition may be that the price in the market of the joint purchase target reaches a certain amount. In this case, the joint purchase is sold when the price reaches a certain level, so the timing of the sale can be determined according to the price.

In the joint purchase method and the joint purchase system of the present invention, when the joint purchase union is formed, a union membership right having a value corresponding to the share of each union member is issued, and the union membership right is set in the market. It can be transferable to a third party at a price linked to the price of the joint purchase target.

In this case, the interests of the joint purchase can be freely bought and sold using the membership of the union as a medium, so that it is possible to freely join and leave the union. In addition, since the value of the union membership is linked to the price in the market for joint purchase, the value of the union membership can be prevented from deviating from the actual price in the market.

In the joint purchasing method and the joint purchasing system of the present invention, if there is a member who wants to keep his / her own stake at the time of dissolution of the joint purchase union, the joint purchase target is newly added when there is a member who wants to continue holding. Recruiting members of the new joint purchasing association to purchase, and when a predetermined number of applicants have joined the new joint purchasing association, preferentially join the members who wish to continue to join the new joint purchasing association. Is preferred.

In this case, by adding a new union preferential membership function to the union membership, the conditions for dissolution are satisfied and the joint purchase target is sold and the joint purchase When a joint venture is dissolved, a new joint purchasing union will be given priority when it is formed. This allows union members who do not wish to sell their stake to be able to maintain their stake virtually indefinitely, thus ensuring freedom of decision-making.

In the joint purchasing method and the joint purchasing system of the present invention, the union membership of the new joint purchasing union issued to the union member who has become a member of the new joint purchasing union is the former joint purchasing union that has been dissolved. It is preferable to have a value equivalent to the value of the share of the member who wants to continue in the above.

In this case, even if the union conditions (the number of union committee members and the percentage of ownership) of the newly formed co-purchase union fluctuate, the equity value of the continuously desired union members who have joined continuously Can be prevented from fluctuating. In the present invention, it is preferable to confirm the price of the joint purchase target in the market, determine the dissolution condition, transmit the dissolution condition to a plurality of users, and recruit members. In this case, the market condition can be monitored by the management system, and a cooperative purchasing union can be formed with appropriate evening and dissolution conditions. In addition, since recruitment information is sent to each user, applicants can be recruited quickly.

Further, in the present invention, it is preferable to receive a notification from the user via the network that the joint purchasing association is desired to be formed, and to recruit members in response to the notification. .

In this case, the timing of the joint purchasing association can be determined by the user's free will. In addition, since the user simply sends a request notification to the management system, the management system performs the recruitment process for applicants, so that the user's labor can be reduced.

In addition, the system and method for guaranteeing payment ability of the present invention allow users to communicate between users via a network constructed by connecting terminals to each other via a communication line. When making a transaction, a security institution that manages the assets of the user, such as a financial institution or a card company, is set up on the network, and in response to a request from the user, the management system issues the relevant It inquires about the user's asset status, determines whether the user has the ability to pay, and notifies the user's trading partner of this determination.

According to such a payment ability guarantee system and guarantee method of the present invention, each individual's financial credit guarantee (guarantee of solvency) can be obtained by checking the account contents and credit card in a financial institution such as a bank or a securities company. In this way, each guarantor certifies and informs the counterparty of the transaction whether or not the specified solvency is present. As a result, according to the present invention, the possibility of financial problems occurring between each other is reduced, so that active mutual transactions and joint purchase of products can be made on the net.

Also, in the present invention, the transaction partner is notified of whether the transaction is possible, that is, a proof of the ability to pay, and there is a possibility that unnecessary personal information is leaked to another party. Absent. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a block diagram showing a schematic configuration of the guarantee system according to the first embodiment of the present invention.

FIG. 2 is an explanatory diagram showing a procedure at the time of new registration when using a financial institution in the first embodiment.

FIG. 3 is an explanatory diagram showing a procedure before inter-individual transaction when using a financial institution in the first embodiment.

FIG. 4 is an explanatory diagram showing a procedure after a transaction between individuals when using a financial institution in the first embodiment.

Fig. 5 shows the new registration when using the card company in the first embodiment. FIG. 7 is an explanatory diagram showing a procedure at the time.

FIG. 6 is an explanatory diagram showing a procedure before individual transaction when using the card company in the first embodiment.

FIG. 7 is an explanatory diagram showing a procedure after the transaction between individuals when using the card company in the first embodiment.

FIG. 8 is a block diagram illustrating a schematic configuration of a joint purchase system according to the second embodiment of the present invention.

FIG. 9 is an explanatory diagram showing an outline of a solvency guarantee function of the management system 2 in the second embodiment.

FIG. 10 is an explanatory diagram showing a procedure of a user registration process for the management system 2 in the second embodiment.

FIG. 11 is an explanatory diagram showing a procedure of an initial procedure when a user proposes a joint purchase in the second embodiment.

FIG. 12 is an explanatory diagram showing a procedure of an initial procedure when a joint purchase is proposed from the management side in the second embodiment.

FIG. 13 is an explanatory diagram showing a procedure in the case of buying and selling shares between members during the holding period of the joint purchase target in the second embodiment.

FIG. 14 is an explanatory diagram showing a procedure of a procedure before a transaction in a process of guaranteeing the ability to pay when performing trading between union members in the second embodiment.

FIG. 15 is an explanatory diagram showing a procedure of a post-transaction procedure of guarantee processing of the solvency ability when trading between partners in the second embodiment.

FIG. 16 is an explanatory diagram showing a procedure at the end of the union period in the case of continuing to join the union in the second embodiment.

FIG. 17 is an explanatory diagram showing the procedure at the end of the union period when continuing to join the union in the second embodiment. BEST MODE FOR CARRYING OUT THE INVENTION

〇 First embodiment

[Overall configuration of warranty system]

A first embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a schematic configuration diagram showing a guarantee system according to the present embodiment.

The guarantee system according to the present embodiment is for guaranteeing an individual's ability to pay when making a sales contract for a product or the like using the Internet 1, as shown in FIG. 1 (a). On the Internet 1, there are a management system 1 having a user database 21 and a financial institution 3 and a credit card company 4 that prove the solvency. The user A or the user B can access the management system 1 via the Internet 1.

Here, in the present embodiment, the Internet 1 is a communication constructed by connecting general-purpose computers such as personal computers and terminal devices such as portable terminals to each other via telephone lines, dedicated lines, LANs, wireless lines, and the like. It is a network. In addition, users A and B are individuals who conduct personal transactions of goods etc. via Internet 1 Net.

In the present embodiment, the management system 2 is installed on the Internet 1 to receive access from a user, and to inquire the financial institution 3 or the card company 4 for credit information of the solvency. And a function for notifying the trading partner of information regarding only the ability to pay.

As shown in FIG. 3 (c), the user database 21 of the management system 2 includes an area 21a for storing personal information of each user A and B and a transaction status between the users A and B. And an area 21 c for storing credit information of each user. The financial institution 3 is a person who has information on personal assets such as banks, securities, and post offices, for example. Further, the card company 4 is a person who can grasp information on an individual's ability to pay, such as a credit card company.

[Method of guaranteeing payment ability by guarantee system]

The procedure of a method for guaranteeing the ability to pay for personal transactions performed on the Internet 1 by the guarantee system according to the present embodiment having the above-described configuration will be described below. Here, the description will be made on the assumption that a transaction of a product or the like is performed between the user A and the user B.

(When using financial institutions)

Here, a case will be described in which user A's ability to pay is guaranteed using a financial institution as a guarantor. Figures 2 to 4 are explanatory diagrams showing the steps of a method of guaranteeing the solvency when using a financial institution.

First, the user is registered in the user database 21 of the management system 2 in advance. FIG. 2 shows the procedure for user A to newly register a user.

As shown in the figure, user A applies for user registration via the Internet1. At this time, the user A sends general information and information on the financial institution used to the management system 2 (1). Here, in order to use financial institution 3, information for identifying financial institution 3 is transmitted.

Upon receiving this application, the management system 2 saves the information sent from the user A in the user database 21 (2) and requests the identified financial institution 3 to confirm the financial institution information on the user A. Yes (3).

In response to the request from the management system 2, the financial institution 3 sends the financial institution information confirmation regarding the user A to the management system 2, and the management system 2 transmits the financial institution information confirmation to the user data. Register to Base 2 1 (4) Confirmation of the registered contents is performed for user A (5). After the user registration is completed in the management system 2 in this manner, the user A can receive the payment ability guarantee service by the management system 2 in the case of a transaction between individuals. Figure 3 shows the procedure before the transaction between individuals.

As shown in the figure, when a transaction such as merchandise is started between User A and User B (in this case, a transaction in which User A pays User B), (1) User A sends the transaction information to the management system 2 and requests confirmation of assurance information about itself (2).

Then, the management system 2 registers the transaction information transmitted from the user A in the user database 21 (3), and confirms the financial institution information such as the balance with the financial institution 3 (4). . After this confirmation, the management system 2 notifies the user A that the assurance information has been confirmed (5). At the same time, the management system 2 temporarily changes the financial institution information to account balances and the like that will fluctuate when a transaction is made between the users A and B, and sends the information to the financial institution 3 At the same time, the temporary change information is registered in the user database 21 (6).

Next, the management system 2 determines whether or not the user A has the ability to pay based on the account balance and the like of the user A, and then obtains personal compensation information such as the presence or absence of the ability to pay (possible or impossible of a transaction). Is notified to user B who is a business partner (7)

In this way, after confirming whether or not both parties have the ability to pay, the actual transaction is performed. Figure 3 shows the procedure after the transaction.

After the transaction between User A and User B is completed (1), User A notifies management system 2 that the transaction has been completed, and upon receiving this notification, management system 2 updates the transaction contents. Register in the one-to-one database 21 (2). In addition, the management system 2 notifies the financial institution 3 that the transaction has been completed and the transaction amount, and notifies the financial institution 3 of the temporarily changed financial institution information in the user database 21 to the financial institution 3. Request this change for the account balance, etc. in (3).

Upon receiving this request, financial institution 3 makes this change for User A's account, notifies management system 2 of the change, and upon receiving this notification, management system 2 updates user database 21 with the change. Register (4). -Further, the management system 2 notifies the user A that the financial institution 3 has completed the settlement procedure, and the financial institution transfers the funds to the payee (5).

(When using a card company)

Here, a case will be described in which the credit company 4 is used as a guarantor to guarantee the user A's ability to pay. 5 to 7 are explanatory diagrams showing the procedure of a method of guaranteeing the solvency when using a force company.

First, a user is registered in advance in the user database 21 of the management system 2. Figure 5 shows the procedure for user-A to perform new user registration.

As shown in the figure, user A applies for user 1 registration via the Internet 1. At this time, the user A sends general information and information on the financial institution used to the management system 2 (1). Here, in order to use the forbidden company 4, information for specifying the card company 4 is transmitted.

Upon receiving this application, the management system 2 saves the information sent from the user A in the user database 21 (2) and identifies the information. Request the credit card company 4 confirming the card information for User A (3).

In response to a request from the management system 2, the force company 4 sends a force information confirmation regarding the user A to the management system 2, and the management system 2 transmits the card information confirmation to the user database 2 1. (4), and confirms the registered contents to User A (5).

After the user registration is completed in the management system 2 in this way, the user A can receive the payment ability guarantee service by the management system 2 at the time of transaction between individuals. Figure 6 shows the procedure before the transaction between individuals.

As shown in the figure, the purchase and sale of merchandise, etc., between the user A and the user B (in this case, a transaction in which the user ュ pays the user 代) is started. (1), the user A sends the transaction information to the management system 2 and requests confirmation of the assurance information relating to itself (2).

The management system 2 executes registers the transaction information sent from the user A to the Interview one The one database ₂ 1 _(3), credit, tradable remaining check higher card usage to the card company 4 (Four) . After this confirmation, the management system 2 notifies the user A that the assurance information has been confirmed (5). At the same time, the management system 2 temporarily changes the card information to the card use situation that will fluctuate when a transaction is made between the users A and B, and sends the card information to the card company 4. At the same time, the temporary change information is registered in the user database 21 (6).

Next, the management system 2 determines whether or not the user A has the ability to pay based on the card use status of the user A, etc., and then outputs personal compensation information such as whether or not the user has the ability to pay (transaction possible or impossible). Notify the trading partner User B (7). In this way, after confirming whether or not the user A has the ability to pay, the actual transaction is performed. Figure 7 shows the procedure after the transaction. After the transaction between User A and User B is completed (1), User A notifies the management system 2 that the transaction has been completed, and upon receiving this notification, Management System 2 stores the transaction contents in the user database. Register in the resource 21 (2). In addition, the management system 2 notifies the card company 4 of the conclusion of the transaction and the transaction amount, and also stores the card information such as the card usage status that was temporarily changed in the user database 21 into the card company. Notify Company 4 and make a request for this change regarding the usage status of Card Company 4 (3).

In response to this request, the force company 4 makes this change to the account of the user A, notifies the management system 2 of the change, and the management system 2 receiving the notification makes the user 21 Register the changes in 1 (4).

In addition, the management system 2 notifies the user A that the settlement procedure has been completed in the card company 4, and the card company 4 performs payment on behalf of the payee (5).

[Action and effect of the guarantee system and method]

As described above, according to the guarantee system according to the present embodiment, the financial credit guarantee (guarantee of solvency) of each user A or B is provided by the account in the financial institution 3 such as the bank or the certificate. The content and the credit card use status at the card company 4 are certified, and the management system 2 notifies the counterparty of the transaction whether or not the certified payment ability is present. As a result, the potential for financial problems between users A and B is reduced, and active mutual transactions and joint purchase of products can be made on the net.

Further, in the present embodiment, the management system 2 notifies the counterparty of the transaction with the proof that the transaction is possible, that is, whether or not the user has the ability to pay. Because of this, there is no danger of unnecessarily leaking personal information to others. 〇 Second embodiment

[Overall configuration of joint purchase system]

A second embodiment of the present invention will be described with reference to the drawings. The gist of the present embodiment is that the above-described guarantee system and guarantee method of the solvency are applied to a joint purchase system for financial products and the like. FIG. 8 is a schematic configuration diagram showing the joint purchase system according to the present embodiment.

(Joint purchase function)

The joint purchase system according to the present embodiment is for jointly purchasing financial instruments such as stock securities traded in a market (market) 14 using the Internet 1. As shown in the figure, a virtual union 13 formed by a plurality of users and a management system 2 for managing and operating the virtual union 13 are provided on the Internet 1.

In this embodiment, the management system 2 is installed on the Internet 1 and receives access from the user. In addition to the payment ability guarantee function of the first embodiment described above, the management system 2 is also installed on the Internet 1. It manages and manages a virtual union 13 that is a virtually formed community, and also has a function to buy and sell financial products in the market 14. Also in the present embodiment, the management system 2 has a user database 21 for storing data such as personal information of members forming the virtual union 13. This user database 21 stores not only personal information and credit information of a registered user, but also a stake in the virtual union 13 as in the first embodiment. .

In this embodiment, the virtual union 13 is virtually formed on the Internet 1 under certain dissolution conditions in order to jointly purchase financial products and the like. It is a joint purchasing union by multiple individuals. In the present embodiment, the term “financial instrument” refers to all financial instruments such as securities and associated financial instruments, and the term “securities” includes securities and the like. Such securities include, for example, derivative products (options, futures, forwards, stock acquisition rights, etc.) using each security as the underlying asset, or those that index multiple securities and their Includes derivative products (Nikkei 225 Index, topics, etc. and their options, futures, forwards, etc.).

In addition, the dissolution conditions in the present embodiment include, besides the fact that the price of the purchased co-purchase target, which will be described later, reaches a certain amount and the time limit, for example, the number of co-purchasers, the number of shares, and the predetermined conditions. The concept below includes conditions that are concluded based on the consent of the co-purchaser, such as indefinitely remaining (payment ability guarantee function)

Furthermore, as described above, the management system 2 according to the present embodiment has a function of guaranteeing the payment ability of each of the users A to E. FIG. 9 is a block diagram schematically illustrating a payment ability guarantee function of the management system 2 according to the present embodiment. As shown in the figure, the management system 2 is connected to a financial institution 13 and a card company 14 that prove the solvency by way of the Internet 1.

In this embodiment, the management system 2 inquires the credit institution 13 or the credit card company 14 for credit information regarding the solvency of the trader when the user buys or sells the union right in this embodiment. It has the function of notifying the transaction partner of the information obtained only from the financial institution 13 or the card company 14 concerning only the ability to pay.

Then, in order to utilize the ability to pay security function provided in the management system 2, similarly to the first embodiment, in advance for each user A~E Gayu - The - need to be registered in the database _{2 1} There is. Figure 10. The procedure for new user registration by A-E will be described.

As shown in the figure, users A to E apply for user registration via the Internet 1. At this time, the users A to E transmit general information and information on the financial institution 13 and the card company 14 used by each user to the management system 2 (1)

The management system 2 receiving this application stores the information sent from each user A to E in the user database 21 (2), and also sends the information to the specified financial institution 13 and card company 14 Request confirmation of financial institution information or card information for each user A to E (3).

In response to a request from the management system 2, the financial institution 13 or the card company 14 sends the financial institution information or confirmation of the use status of the users A to E to the management system 2, and the management system 2 Will register this financial institution information or force usage status confirmation in the user database 21 (4), and confirm the registered contents to User A (5). After the user registration in the management system 2 is completed, the users A to E can receive the payment ability guarantee service by the management system 2 at the time of a transaction between individuals.

[Joint purchase method using joint purchase system]

The procedure of a method of jointly purchasing a financial product through the Internet 1 using the joint purchase system according to the present embodiment having the above-described configuration and functions will be described below.

(Initial joint purchase procedure)

First, a description will be given of the initial procedures performed in advance when making a joint purchase. In the present embodiment, two patterns are prepared as this initial procedure: a one-user proposal type for proposing joint purchase from the user side and a management-side proposal type for proposal from the management system 2 side. (1) User proposal type

The user-one proposal type will be described. FIG. 11 is an explanatory diagram showing a procedure of an initial procedure in the user-one proposal type. The following description is based on the premise that User A proposes a joint purchase.

First, as shown in FIG. 1A, a joint purchase proposal is transmitted from the user A to the management system 2 via the Internet 1. The proposals include the issues to be jointly purchased, the amount to buy, the timing and other conditions. The management system 2 receiving the proposal registers the target and conditions of the joint purchase in the user data base 21.

After that, as shown in Fig. 2 (b), the management system 2 checks the market conditions such as the price of the product that is the object of the proposal, and checks the provisional conditions (purchase price) for forming the union. , The number of union members, ownership ratio, dissolution time or dissolution price, etc.), and propose recruitment members by sending them to users A to E.

Next, as shown in the same figure (C), each of the users A to E applies for the union conditions desired by themselves (confirm user requirements, book building, etc.). In response to the application, the management system 2 registers the application contents of each user in the user 21 on the evening and confirms the target user qualification. The qualification of the target user is, for example, whether or not the user has the ability to pay for the price, and this is confirmed using the above-mentioned guarantee function.

Then, after confirming that the target user has qualifications, by examining the conditions applied, more appropriate union conditions (establishment conditions and dissolution conditions) are determined.

After the determination of the union conditions, as shown in Figure (d), the management system 2 prepares a contract that describes the union and consignment conditions based on the determined union conditions, and A message that has sent conditions that match the union conditions —Send to the first. Here, it is assumed that users A, C, and E conform. As a result, a virtual union 13 is formed by the users A, C, and E, and the members A, C, and E, which are members of the union, own virtual shares 3a to 3c that are virtually distributed, respectively. Becomes The management system 2 registers such union contents in the user database 21.

After the virtual union is established in this way, the management system 2 purchases and stores the financial products subject to joint purchase based on the contract, as shown in FIG. Notify the virtual union 13 to the effect. In addition, the management system 2 notifies the virtual union 13 of the union initial conditions finally determined by the purchase of the financial instrument. These notifications are made by the management system 2 by sending e-mails to the respective users A, C, and E.

In conjunction with these notices, the management system 2 issues a union certificate with new union preferential participation rights and collects capital from union members. After that, the member information will be registered in User Information 21 on these contents. The union right with the preferential right to join the new union is a right that has a value according to the ownership and split of the co-purchased financial instruments. Using this right as a medium, each user can transfer his or her share to a third party ( It can be transferred (including both paid and free) to other union members. In addition, this right has the right to preferentially join the new virtual union when the current virtual union 1 '3 is dissolved (new union preferential right to join). In this way, when the current virtual union 13 is dissolved, by re-joining the newly formed virtual union, it is possible to effectively maintain its own stake. When the new virtual union is rejoined in this way, a share having a value equivalent to the value of its own share in the current virtual union 13 is given.

(2) Management proposal type The management-side proposal type will be described. Figure 12 is an explanatory diagram showing the procedure of the initial procedure in the management-side proposal type. Here, the description will be made on the assumption that the management system 2 proposes joint purchase.

First, as shown in (a) of the figure, the management system 2 determines the targets suitable for joint purchase by checking the status of the market 14, proposes a plurality of provisional union conditions, and Recruit members by sending them to AC.

In response to this recruitment, each user A to E will apply by sending their desired union conditions (confirmation of user request, Book Building, etc.), as shown in Fig. 7 (b). In response to this application, management system 2, the user - to Tomo When you register the application contents of each user in the database ₂ 1, to confirm the target user one qualification that is suitable for temporary union conditions proposed by the management system 2 side. Similarly to the above, the qualification of the target user is, for example, whether or not the user has the ability to pay for the price, and this is confirmed by using the guarantee function described above. After confirming that the target user has qualifications, by examining the applied conditions, it decides more appropriate union conditions (establishment conditions, dissolution conditions).

After the union conditions are determined, as shown in Figure (c), the management system 2 prepares a contract (union and consignment conditions) based on the determined union conditions, and determines the determined union conditions. Sent to the user who sent the conditions that conformed to. Here, it is assumed that the users A, C, and E conform. As a result, a virtual union is formed by the users A, C, and E, and the users A, C, and E, which are members, are virtually allocated virtual shares. 3a to 3c, respectively. The management system 2 ′ registers such union contents in the user database 21.

After the virtual union is established in this way, as shown in Fig. 2 purchases and keeps the financial instruments to be jointly purchased based on the contract, and notifies the virtual union 13 to that effect. In addition, the management system 2 notifies the virtual union 13 of the union initial conditions finally determined by the purchase of the financial instrument. These notifications are made by the management system 2 by sending e-mails to the individual users A, C, and E. -In conjunction with these notices, the management system 2 issues a union certificate with new union preferential right to join and collects capital from union members. After that, the member information is registered in the user database 21 for these contents. (During the holding period)

Financial products are purchased by the virtual union 13 formed by the above-mentioned procedure, and during the period of holding the financial product, union rights can be traded among the union members. Figure 13 shows the procedure of transactions between members during the holding period. Here, a case is described in which user A, who is a member, buys and sells his or her virtual interest 3a to user E.

First, as shown in (a) of the figure, an instruction to sell its own virtual stake is sent from the user A to the management system 2 through the virtual union 13. Upon receiving this notification, the management system 2 registers the sales conditions in the user database 21. At this time, each user B-E may be notified that the user A has received the instruction to sell.

Next, as shown in FIG. 7B, it is assumed that the user E issues a purchase instruction. The management system 2 registers the purchase condition from the user E and confirms the transaction qualification of the user E. The transaction qualification is, for example, whether or not the user has the ability to pay for the price, and the confirmation is made by using the guarantee function described above. The management system 2 retrieves the sales instruction and the purchase instruction as shown in FIG. 11C, and matches the sales instruction and the purchase instruction that meet the conditions. At this time, the management system 2 checks the status of the market 14, obtains the market price of the issue that is the target of the joint purchase, and, between the obtained market price and the users A and E. Matching with the sales conditions in. Specifically, the price calculated by multiplying the price of the financial product in the market 14 by the ratio of the ownership of the user A is defined as the price of the union right that the user A currently has. In this way, by assigning a price linked to the market to the equity (combination right), it is possible to prevent the value of the membership right traded between users from deviating from the actual market. Can be prevented.

When matching with this market price is established, trading is established, virtual share 3a is passed from user A to user E, and price is paid from user E to user A. As a result of this transaction, the virtual interest 3 a of the user A disappears and the virtual interest 3 c of the user E disappears as shown in FIG. The management system 2 registers the sales information in the user database 21 and changes each user information. After that, the virtual union # 3 is notified that the user information has been changed.

(Confirmation of transaction qualification)

The confirmation of the transaction qualification shown in Fig. 13 (b) is performed by using the payment ability guarantee function of the management system 2. Figures 14 and 15 show the procedure for confirming this transaction qualification. Note that the following explanation is based on the assumption that user E uses financial institution 13 as a guarantee organization for his or her solvency.

As shown in Figure 14, buying and selling of union rights between user A and user E When a transaction (in this case, a transaction in which user E pays user A) is started (1), user E transmits transaction information, such as sales conditions, to management system 2 and also transmits information about itself. Request for confirmation of warranty information (2).

The management system 2 registers the transaction information sent from the user E to Interview one The one database ₂ 1 _(3), the financial institution information check balance such financial institutions 1 3 (4) . After this confirmation, 'Management system 2 notifies user E that the warranty information has been confirmed. (5) At the same time, management system 2 establishes a transaction between users A and E. Temporarily change the financial institution information to account balance etc. that will change if it is established, send this to financial institution 13 and send this temporary change information to the user.

—Register in database 21 (6).

Next, the management system 2 determines whether or not the user E has the ability to pay based on the account balance and the like of the user A, and then outputs personal compensation information such as whether or not the user has the ability to pay (possible or impossible of transactions). , Trading partner

Notify A (7).

In this way, after confirming whether or not both parties have the ability to pay, the actual transaction is performed as shown in Fig. 6 (c) above. Figure 15 shows the procedure after this transaction.

After the transaction is completed between user A and user E (1), user E notifies management system 2 that the transaction has been completed, and upon receiving this notification, management system 2 stores the transaction content in user database 21. Register (2). In addition, the management system 2 notifies the financial institution 13 of the fact that the transaction has been completed and the transaction amount, and transmits the financial institution information temporarily changed in the user database 21 to the financial institution 13. And make a request for this change regarding the account balance of financial institution 13 (3). Upon receiving this request, the financial institution 13 makes this change to the account of the user E, notifies the management system 2 of the change, and the management system 2 that has received the notification changes the user database 21. Register the content (4).

Furthermore, the management system 2 notifies the user E that the financial institution 13 has completed the closing procedure. At the same time, the financial institution 13 transfers the funds to the account of the user A as the payee (5).

(End of union period)

Next, the procedure at the end of the union period will be described. When the dissolution conditions (expiration of the time limit, achievement of the target amount to be purchased, etc.) specified at the time of the formation of the union are satisfied, the virtual union 3 is dissolved. At the end of the union period, in this embodiment, each union member can effectively maintain its own stake by re-joining the newly formed virtual combination. However, if a new virtual union is not formed, it will be dissolved because it cannot be rejoined. These will be described below. (1) When continuing

The following describes the case where a member becomes a union member by rejoining a newly formed union. Figure 16 shows the procedure at the end of the union period if it is to be continued. Note that the description here is based on the assumption that the user C keeps his / her stake.

First, as shown in Figure (a), when the union period ends, the union period ends from the management system 2 to each of the members (users A, C, and 'E) via the virtual union 1'3. Notification is sent. The notice of the end of the union period confirms each member's will to continue.

In response to the notice of the end of the union period, the user who wishes to continue, as shown in FIG. Send to 2. Here, user C has sent a continuation wish notification. The management system 2 that has received the continuation request notification registers the continuation user information in the user database 21.

Next, as shown in Fig. 3 (c), the management system 2 checks the status of the market 14 to confirm the price of the brand currently being purchased, and confirms the newly formed union. We propose multiple provisional union conditions and send them to each user. In this case, the provisional new union conditions are transmitted to users A and E who are current members other than user C who transmitted the request for continuation, and users B and D which are non-members.

The user receiving the provisional new union conditions determines whether or not to join the newly formed union, and if so, manages the union conditions (user request, Book BuiWing, etc.). Apply for 2. Here, users—B and D want to join the newly formed union. In response to the application, the management system 2 confirms the qualifications of the users B and D who have applied.

Next, the management system 2 prepares a new contract for the newly formed union and determines the union and entrustment conditions, as shown in FIG. At the same time, the management system 2 notifies users B, C, and D who are new members of the final conditions of the new union. Here, the new union will be formed by continuing the existing union, so that the brand and price purchased by the new union will be notified that the brand and price at the time of dissolution of the old union will be carried over.

After that, the old union is dissolved and a new union is formed based on the notified new union initial condition notice. That is, the virtual shares 3a and 3c of users A and E who leave the union are taken over by users B and D who are new members.

Specifically, as shown in (f) in the same figure, the management system 2 Acquire the market price of the issue to be purchased from 14 and settle the accounts for users A and E who are the former union members based on this. At the same time, a new union certificate with the preferential right to join the new union will be issued to users B and D who are new members, and these users B and D will invest and a new union will be formed. The management system 2 registers information on the newly joined users B and D in the User's Day 21 as information on these new unions, and keeps the information on user C continuously changed. Do.

(2) 'When disbanded

On the other hand, even if the members of the existing union wish to continue, if the conditions for forming a new union are not satisfied as described above, the existing union will be dissolved. Figure 17 shows the procedure at the end of the union period in the event of dissolution. Note that the following description is based on the assumption that User C wants to maintain its stake continuously. First, as shown in Figure (a), when the union period ends, a notification of the end of the union period is sent from the management system 2 to each of the members (users A, C, and E) via the virtual union 13. Sent. The notice of the end of the union period confirms each member's will to continue.

In response to the notice of the end of the union period, as shown in FIG. 3 (b), the user who wishes to continue is notified of the continuation request via the virtual union 13 by the management system.

Send to 2. Here, user C has transmitted a continuation request notification. Management system 2 which has received the continued desire notification, continuing user one information, the user - is registered in the database ₂ 1.

Next, as shown in Fig. 3 (c), the management system 2 checks the status of the market 14 to confirm the price of the brand currently being purchased, and confirms the newly formed union. Proposed multiple temporary union conditions, Send to each user. Here, in addition to the users A and E who are the current union members other than the user C who sent the request to continue, the provisional new union conditions are also transmitted to the non-union members B and D. .

The user receiving the provisional new union conditions determines whether or not to join the newly formed union, and if so, sets the union conditions (user request, book building, etc.) in the management system 2. Apply. Here, only User-D wants to join the newly formed union. In response to this application, the management system 2 confirms the qualification of the user D who has applied, and then determines whether it is possible to form a new union. Since only users C and D want to become members, it is less than the capacity and it is judged that it is impossible to form a new union. Therefore, in the present embodiment, the management system 2 transmits a non-continuation notice to the related user 'that no new union is to be formed, as shown in FIG. That is, the non-continuation notice is transmitted from the management system 2 directly to the users A, CE, and E who are current members via the virtual union 13 and to the user D who is not a non-member.

After that, the management system 2 sells the stock that was purchased by the current union at the market 14, closes the price according to each user's virtual share, and dissolves the virtual union 13. I do.

[Action and effect of joint purchase system and joint purchase method]

According to the joint purchase system according to the present embodiment and the joint purchase method based on the system described above, the financial product is purchased by the virtual union 13 formed by a plurality of users A to E, so that the product is expensive. Can be purchased. Since the virtual union 13 is formed through the Internet 1, unions can be formed by individuals scattered over a wide area. In this embodiment, since the management system 2, which is a third-party organization, is provided on the Internet 1 for the management of the union members' ability to pay and the management of the union's contract items, etc. This can reduce the burden on the user when monitoring the information in (14), determining the equity value, and confirming the guarantee when buying or selling the membership.

Furthermore, the virtual union 13 is disbanded when the purchased financial products are sold, and the conditions for dissolution are set in advance due to timing or price fluctuations. Can be performed.

In the present embodiment, during the holding period of the financial product, it is possible to sell or transfer the ownership of oneself to other members or to non-members using the combined membership as a medium. Participation in and out of the course can be virtually made possible. In addition, since the value of the union membership is linked to the price in the market 14 by the management system 2, the value of the union membership deviates from the actual price in the market 14. And can be prevented. Therefore, at the time of union dissolution, there is no difference between the distributed sale price and the value of the union membership, and the transaction can be secured.

Further, in the present embodiment, by adding the function of the new union preferential joining right to the union membership, the degree of freedom of continuation will be ensured when the virtual union 13 is dissolved. In other words, if the dissolution conditions are satisfied and the virtual union 13 is dissolved, the management system 2 will recruit a new anti-union union. By giving priority to joining former members, members who do not wish to sell their stake can effectively maintain their stake.

If you continue to join the new virtual union in this way, Even if the union conditions (the number of union committee members or the ratio of the stake) change in the virtual union formed in the above, prevent the change in the equity value of union members who have joined continuously. Can be. Industrial applicability

As described above, according to the joint purchase method and the joint purchase system of the present invention, a community is formed by a large number of individuals via a network, and even if a financial instrument is expensive, the purchase can be facilitated. Can ensure the freedom of purchase and sale timing while avoiding the troubles expected at that time.

Further, according to the payment ability guarantee system and method of the present invention, the payment ability of the transaction partner can be confirmed by a guarantee organization such as a financial institution or a card company, and individual transactions performed via the network can be safely and securely performed. It can be easy. In particular, in the present invention, since the management system, which is a third-party organization, notifies the other party only of the user's ability to pay, there is no danger of unnecessarily leaking personal information to the trading partner and security is assured. be able to.

Claims

The scope of the claims

1. A method in which multiple people make joint purchases over a network constructed by connecting terminals to each other via communication lines.

Forming a joint purchase association in which dissolution conditions are predetermined by the plurality of persons, purchasing a joint purchase target by the joint purchase association,

When the dissolution conditions are satisfied, the joint purchase association is dissolved, and the purchased joint purchase target is sold,

Distribute the proceeds from the sale according to each member's share

A joint purchasing method characterized in that: '

2. The joint purchase method according to claim 1, wherein the dissolution condition is a time limit.

3. In the joint purchasing method described in claim 2,

At the time of the formation of the joint purchasing union, issue union membership with a value corresponding to the share of each union member,

The method of joint purchase, wherein the union membership can be transferred to a third party at a price linked to the price of the joint purchase target in the market. ■

4. In the joint purchase method according to claim 3,

If there is a member who wants to continue to hold its own stake when the joint purchasing association is dissolved,

Recruiting members of the new joint purchasing association to newly purchase the joint purchase target,

A joint purchasing method characterized in that, when a predetermined number of applicants to the new joint purchasing association have gathered, the members desiring to continue joining preferentially join the new joint purchasing association.

5. In the joint purchasing method described in claim 4, The union membership of the new co-purchase union, which is issued to the union co-op who has become a member of the new co-op union, is the value of the share of the union co-op in the dissolved co-op. A joint purchase method characterized by having the same value as.

6. The joint purchasing method according to claim 1, wherein the dissolution condition is that the price in the market to be jointly purchased reaches a certain amount.

7. In the joint purchase method according to claim 6,

The method of joint purchase, wherein the membership right can be transferred to a third party at a price linked to the price of the joint purchase target in the market.

8. In the joint purchase method according to claim 7,

A joint purchasing method characterized in that, when a predetermined number of applicants to the new joint purchasing association have gathered, the members desiring to continue joining are given priority to join the new joint purchasing association.

9. In the joint purchasing method according to claim 8,

The union membership of the new co-purchase union, which is issued to the union co-op who has become a member of the new co-op union, is the value of the share of the union co-op in the disbanded old co-op. A joint purchase method characterized by having the same value as.

10. In the joint purchase method according to claim 1,

Assets at financial institutions or card companies etc. used by each of the above union members Establish a managing assurance body on the network,

In response to a request from a member, the management system inquires of the assurance body about the member's own asset status, determines whether the member has the ability to pay,

Notify the partner's trading partner of this decision

A joint purchasing method characterized in that:

1 1. A system in which multiple people make joint purchases over a network constructed by connecting terminals to each other via communication lines.

A joint purchase association with predetermined conditions for dissolution is formed by the plurality of persons, and a management system for managing and operating the joint purchase association is provided on the network.

The management system purchases a joint purchase target on behalf of the joint purchase association, and sells and collects the joint purchase target when the dissolution condition is satisfied and the joint purchase association is dissolved. Has the function of distributing the money paid in accordance with the share of each member

A joint purchasing system characterized by the following.

12. The joint purchasing system according to claim 11, wherein the management system comprises:

It has the function of confirming the price of the joint purchase target in the market, proposing the dissolution conditions, transmitting the dissolution conditions to a plurality of users, and recruiting members.

A joint purchasing system characterized by the following.

1 3. In the joint purchase system according to claim 12,

The dissolution condition is a time limit, and the management system has a function of dissolving the joint purchase association when the dissolution condition is satisfied.

A joint purchasing system characterized by:

14. The joint purchasing system according to claim 13, wherein the management system comprises:

At the time of forming the joint purchasing union, a function to issue union membership to each member having a value corresponding to the share of each member,

When the union member transfers the union membership to a third party, it checks the price of the co-purchase target in the market, and links the union membership with the confirmed price of the co-purchase target in the market. A joint purchase system having a function of determining a price of a product.

15. The joint purchasing system according to claim 14, wherein the management system comprises:

A function of receiving a continuation request notification that the user wishes to keep his / her own stake at the time of the dissolution of the joint purchasing association;

A function for recruiting, via the network, a member of the new joint purchase association for newly purchasing the joint purchase target, upon receiving the continuation request notification;

A function of issuing a new union preferential right to preferentially join the member who wishes to continue to join the new joint purchasing association when a predetermined number of applicants to the new joint purchasing association have gathered;

A joint purchasing system comprising:

1 6. In the joint purchase system according to claim 1,

The dissolution condition is that the price in the joint purchase target market reaches a certain amount, and the management system has a function of dissolving the joint purchase union when the dissolution condition is satisfied.

A joint purchasing system characterized by the following.

-17. The joint purchase system according to claim 16, wherein the management system comprises: At the time of forming the joint purchasing union, a function to issue union membership to each member with a value corresponding to the share of each member;

When the union member transfers the union membership to a third party, the price of the joint purchase target in the market is confirmed, and the union is linked to the price of the joint purchase target in the market confirmed by Hi, The ability to determine the price of membership

A joint purchasing system comprising:

'18. The joint purchase system according to claim 17, wherein the management system comprises:

A function of receiving a continuation request notification that the user wishes to keep his / her own stake at the time of the dissolution of the joint purchase association;

A function for recruiting, via the network, a subscriber to the new joint purchase association for newly purchasing the joint purchase target, when receiving the continuation request notification;

(5) when a predetermined number of applicants to the new joint purchasing association gather, a function to issue a new union preferential right to preferentially join the desired union members to the new joint purchasing association.

A joint purchasing system comprising:

19. The joint purchasing system according to claim 11, wherein the management system includes:

0 Has a function of receiving a notification from the user via the network that the user wishes to form the joint purchasing association, and recruiting members in response to the notification.

A joint purchasing system characterized by the following.

20. In the joint purchasing system according to claim 19,

5 The dissolution condition is a time limit, and the management system has a function to dissolve the joint purchase association when the dissolution condition is satisfied. A joint purchasing system characterized by:

21. The joint purchasing system according to claim 20, wherein the management system is:

When the union member transfers the union membership to a third party, the member checks the price of the co-purchase target in the market, and links the union membership to the confirmed price of the co-purchase target in the market. A joint purchase system having a function of determining a price of a product.

22. The joint purchasing system according to claim 21, wherein the management system comprises:

Foreword (3) When a predetermined number of applicants to the new cooperative purchasing union have gathered, a function to issue the new cooperative preferential right to preferentially join the members who wish to continue to participate in the new cooperative purchasing union.

A joint purchasing system comprising: '

23. In the joint purchasing system according to claim 19,

A joint purchasing system characterized by the following.

24. The joint purchasing system according to claim 23, wherein the management system The system is

When the union member transfers the union membership right to a third party, the union member checks the price of the joint purchase target in the market, and links the union member price with the joint purchase price in the confirmed market. And a function for determining the price of the right.

25. The joint purchasing system according to claim 24, wherein the management system includes:

A function of issuing a new union priority membership right to allow the member who wishes to continue to join the new joint purchasing association preferentially when a predetermined number of applicants have joined the new joint purchasing association.

A joint purchasing system comprising:

2 6. In the joint purchasing system according to claim 11,

A guarantor that is set up on the network and manages assets such as financial institutions or card companies used by the union members;

A management system installed on the network and having a user database for registering information on the assurance organization of each member, wherein the management system responds to a request from the member through the network. Inquires of the guarantee institution about the member's own asset status, and determines whether or not there is a solvency. It has a function to notify the other party

A joint purchasing system characterized by the following.

27. A method for guaranteeing the payment ability when conducting transactions between users via a network constructed by connecting terminals to each other via communication lines.

A guarantor that manages the user's assets, such as a financial institution or a card company, is established on the network,

In response to a request from the user, the management system inquires of the guarantor about the asset status of the user, determines whether the user has the ability to pay,

Notify the user's trading partner of this judgment result

A method of guaranteeing a solvency characterized by that:

28. This is a system that guarantees the payment ability when conducting transactions between users through a network constructed by connecting terminals to each other via communication lines.

A guarantor that is installed on the network and manages the assets of the user, such as a financial institution or a power company;

A management system installed on the network and having a user database for registering information on the assurance institution of each user, the management system responding to a request from a user through the network, It has a function of inquiring of the user's asset status to the guarantor and judging the ability to pay, and a function of notifying the user of the user of the judgment result.

Guarantee system of payment ability