KR102625311B1 - Method and apparatus for performing trading of goods - Google Patents

Abstract

A method of conducting a transaction of goods is provided. generating a transaction link based on a product sold by a first user corresponding to the seller; In response to receiving input regarding the transaction link from a second user corresponding to a purchaser, determining transaction terms; And performing a payment process based on the transaction conditions; wherein the transaction conditions include one or more transaction mediating assets corresponding to the value of the product for sale, and performing the payment process includes: ( a) depositing a second user asset into the second user's account by selling the one or more transaction intermediate assets to the second user based on the transaction conditions; (b) depositing first user assets into the first user's account by transferring the second user assets to the first user; 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 device for performing product trading.

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

In a typical credit card payment process, the credit card merchant, that is, the online store, must pay a certain 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 are a burden to online stores, and the burden is even greater for smaller stores.

The above-mentioned background technology is technical information that the inventor possessed for deriving the present invention or acquired in the process of deriving the present invention, and cannot necessarily be said to be known art disclosed to the general public before filing the application for the present invention.

The purpose of the present disclosure is to provide a method and device for conducting product transactions. The problem to be solved by the present disclosure is not limited to the technical problems mentioned above, and other technical problems not mentioned can be clearly understood by those skilled in the art from the description of the present invention. The present disclosure will be understood more clearly by the examples. 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 thereof indicated in the patent claims.

As a means to solve the above-described technical problem, a first aspect of the present disclosure includes generating a transaction link based on a product sold by a first user corresponding to a seller; In response to receiving input regarding the transaction link from a second user corresponding to a purchaser, determining transaction terms; and performing a payment process based on the transaction conditions, wherein the transaction conditions include one or more transaction mediating assets corresponding to the value of the product for sale, and performing the payment process includes: depositing second user assets into the second user's account by selling the one or more transaction intermediate assets to the second user based on transaction terms; depositing first user assets into the first user's account by transferring the second user assets to the first user; and purchasing the first user's assets from the first user. A method of performing a product transaction may be provided, including.

A second aspect of the present disclosure includes: a memory storing at least one program; A communications department that sends and receives data to and from asset exchanges; and at least one processor to perform a transaction of a product by executing the at least one program, wherein the at least one processor generates a transaction link based on the product sold by the first user corresponding to the seller, and the buyer In response to receiving an input for the transaction link from a corresponding second user, determine transaction terms and perform a payment process based on the transaction terms, wherein the transaction terms correspond to the value of the product for sale. and one or more transaction-mediating assets, wherein the processor performs the payment process by selling the one or more transaction-mediating assets to the second user based on the transaction conditions through the communication unit, Depositing a second user asset to a user's account and, through the communication unit, depositing a first user asset to the first user's account by transferring the second user asset to the first user, via the communication unit, An apparatus for performing a transaction of a product may be provided, including purchasing the first user's assets from the first user.

A third aspect of the present disclosure may provide a computer-readable recording medium recording a program for executing the method of the first aspect 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 in addition to those described above will become apparent from the following drawings, claims and detailed description of the invention.

According to the means for solving the problem of the present disclosure described above, it is possible to conduct product transactions without burdening transaction fees by using various types of payment methods other than cash.

In addition, according to the means for solving the problem of the present disclosure, it is possible to provide a payment method that guarantees stability in the transaction of products using a payment method with large real-time fluctuations.

The effects of the examples 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 trading according to an embodiment.
Figure 2 is a diagram illustrating a system including a server that mediates an asset exchange to perform a payment process according to an embodiment.
Figure 3 is a diagram illustrating the creation of an NFT and a web link for purchasing an NFT according to an embodiment.
Figure 4 is a diagram for explaining a transaction between a first terminal, a second terminal, and a product transaction server according to an embodiment.
FIG. 5 is a diagram illustrating a transaction between a first terminal, a second terminal, and a product transaction server according to a payment process according to an embodiment.
Figure 6 is a flowchart showing a method of performing a product transaction according to one embodiment.
Figure 7 is a flowchart showing a payment process according to one embodiment.
Figure 8 is a block diagram of a device that performs a product transaction according to an embodiment.

The terms used in the present embodiments were selected as widely used general terms as possible while considering the functions in the present embodiments, but this may vary depending on the intention or precedent of a technician working in the field, the emergence of new technology, etc. there is. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the relevant section. Therefore, the terms used in the present embodiments should be defined based on the meaning of the term and the overall content of the present embodiments, rather than simply the name of the term.

Since these embodiments can be subject to various changes and have 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 disclosed form, and should be understood to include all changes, equivalents, and substitutes included in the spirit and technical scope of the present embodiments. The terms used in this specification are merely used to describe the embodiments and are not intended to limit the embodiments.

Unless otherwise defined, the terms used in the present embodiments have the same meaning as generally understood by those skilled in the art to which the present embodiments belong. Terms such as those defined in commonly used dictionaries should be interpreted as having meanings consistent with the meanings they have in the context of the related technology, and unless clearly defined in the present embodiments, they should not be used in an ideal or excessively formal sense. It should not be interpreted.

The detailed description of the present invention described below refers to the accompanying drawings, which show by way of example specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different from one another but are not necessarily mutually exclusive. For example, specific shapes, structures and characteristics described herein may be implemented with changes from one embodiment to another without departing from the spirit and scope of the invention. Additionally, it should 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. Accordingly, the detailed description described below is not to be taken in a limiting sense, and the scope of the present invention should be taken to encompass the scope claimed by the claims and all equivalents thereof. Like reference numbers in the drawings indicate identical or similar elements throughout various aspects.

Meanwhile, technical features described individually 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 circuit, and/or a software component executed by the hardware component such as a processor.

Hereinafter, several embodiments of the present invention will be described in detail with reference to the attached drawings in order to enable those skilled in the art to easily practice the present invention.

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

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

The system 100 for performing product trading ultimately provides the first terminal 120 to the second terminal 130 based on the payment process of the product transaction server 110 for the product sold by the first terminal 120. You can sell products.

According to one 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 delegate delegated the seller's financial transaction authority, and the second user may correspond to a buyer or a purchase delegate delegated the buyer's financial transaction authority. At this time, financial transaction rights may include authentication or transaction rights for the user's account, electronic wallet, financial assets, and asset exchange.

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

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

In one embodiment, the product transaction server 110 may generate a transaction link based on the product for sale of the first terminal 120. Specifically, the product transaction server 110 may receive digital data representing the product for sale of the first terminal 120 and create 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 from the second terminal 130 selecting the generated transaction link. The transaction conditions may be transaction conditions for trading products sold by the first terminal 120 with the second terminal 130. For example, the transaction terms may include one or more transaction-mediating assets corresponding to the value of the product being sold, that is, the type and quantity of the transaction-mediating assets. As another example, the transaction conditions may include the settlement (sell) ratio of each asset when there are multiple types of transaction media assets, whether the settlement process is performed in real time or over time, and an asset exchange according to the transaction media asset. Alternatively, the transaction conditions may correspond to an option contract between any two devices among 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 product transaction server 110 deposits the second user asset into the second user's account by selling the transaction intermediate asset to the second user of the second terminal 130 based on the transaction conditions, and transfers the second user asset to the first user asset. By transferring to the first user of the terminal 120, the first user asset corresponding to the second user asset transferred to the first user's account can be deposited, and the first user asset can be purchased from the first user.

Meanwhile, the first user asset deposited in the first user account may correspond to the second user asset deposited in the second user account. As an example, the product transaction 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 the assets deposited in the second user account before the transfer refer to the assets of the first user. Assets deposited in the account may refer to first user assets.

First user assets and second user assets are assets that are 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, land, etc., financial assets including stocks, funds (stocks, bonds, etc.), deposits, cash, etc., savings insurance, investment insurance, etc. It may include insurance assets and other assets including patents, memberships, vehicles, goods, etc. At this time, the first user asset and the second user asset may include digital assets. Digital assets can include all types of assets that exist computerized, such as copyrighted works that can be stored in a storage device and cryptocurrency.

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

Additionally, the buyer's assets used in the payment process may be determined in proportion based on transaction conditions. For example, if the value of the item being sold is $100, the buyer assets utilized in the payment process may be bonds worth $50, cash worth $30, and cryptocurrency worth $20. Alternatively, if the value of the product being sold is $100, the buyer's assets utilized in the payment process may be a first cryptocurrency worth $60 and a second cryptocurrency worth $40.

The second user can sell or buy the transaction-mediating asset using the buyer's assets, and similarly, the first user can sell or buy the transaction-mediating assets using the seller's assets. Hereinafter, when a second user purchases a transaction-mediated asset by paying for the buyer's asset, the purchased transaction-mediated asset is defined as the second user's asset, and the transaction-mediated asset that the first user sells by using the seller's asset as the payment is defined as the transaction-mediated asset. It can be defined as the first user asset.

The trading conditions may be preset through the first terminal 120 or the second terminal 130 or may be set through the product trading server 110 depending on various factors such as market volatility.

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

Meanwhile, the second user has already delegated or may delegate to the product transaction server 110 the authority to purchase the transaction intermediate asset by paying the buyer's asset and the authority to transfer the purchased second user asset to the first user, The first user has already delegated or may delegate the authority to sell the first user's assets transferred to the product transaction server 110 and receive payment for the seller's assets.

The product transaction server 110 may acquire the second user's financial transaction authority and the first user's financial transaction authority. Specifically, the product transaction server 110 may obtain 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 trading server 110 can access the accounts, electronic wallets, financial assets, and asset exchanges of the first and second users and perform financial transactions including deposit/withdrawal, exchange, and transfer for product trading. .

In one embodiment, the product transaction server 110 may perform minting to convert assets existing from digital data into NFTs. Minting is the application of blockchain technology to digital data, and may correspond to the process of determining the asset price of digital data and then linking digital data with NFT to register products in the market. Meanwhile, the method by which the product transaction server 110 acquires NFT from digital data is not limited to the above-described method, and can be obtained by receiving NFT generated from an NFT transaction server (not shown).

According to one embodiment, an NFT transaction server (not shown) may mediate the payment and transaction of NFTs for sold products generated from the product transaction server 110. For example, the NFT transaction server (not shown) may receive the NFT transaction fee from the product transaction server 110 and deliver the NFT to the second terminal 130. The NFT transaction price may correspond to the asset price corresponding to the value of digital data determined during the minting process of the product transaction 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, networks include Local Area Network (LAN), Wide Area Network (WAN), Value Added Network (VAN), mobile radio communication network, satellite communication network, and their It is a comprehensive data communication network that includes mutual combinations and allows each network constituent shown in Figure 1 to communicate smoothly with each other, and may include wired Internet, wireless Internet, and mobile wireless communication networks. In addition, wireless communications include, for example, wireless LAN (Wi-Fi), Bluetooth, Bluetooth low energy, ZigBee, WFD (Wi-Fi Direct), UWB (Ultra-Wideband), and infrared communication (IrDA, Infrared Data Association), NFC (Near Field Communication), etc., but are not limited to these.

For example, the first terminal 120 and the second terminal 130 may include a smartphone, 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 device (GPS). system) devices, e-book terminals, 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 provide commands, codes, files, content, services, etc. by communicating over a network.

Figure 2 is a diagram illustrating a system including a server that mediates an asset exchange to perform a payment process according to an embodiment.

The system 200 for performing product trading according to one embodiment may include a brokerage server 210, a first terminal 220, a second terminal 230, and a plurality of asset exchanges 240 to 260. . Meanwhile, the system 200 for performing product trading shown in FIG. 2 shows only components related to one embodiment and includes the number of terminals 220 and 230 and the number of asset exchanges 240, 250, and 260. is not limited. Accordingly, it is obvious to those skilled in the art that the system 200 for performing product trading may further include other general-purpose components in addition to the components shown in FIG. 1.

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

The system 200 that performs product transactions may ultimately sell the product sold by the first terminal 220 to the second terminal 230 based on the payment process for the product sold by 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 brokerage server 210 may select one or more of the plurality of asset exchanges 240 to 260. The brokerage server 210 can select the type of transaction asset, which is a payment method, and select an asset exchange that trades the selected transaction asset. Alternatively, the brokerage 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 description below, the second user asset and the first user asset may include one or more transaction mediating assets.

In one embodiment, the brokerage server 210 may transmit and receive data including a command so that the asset exchange selected from among the plurality of asset exchanges 240 to 260 performs the payment process. That is, the brokerage server 210 exchanges the buyer asset of the second terminal 230 for the second user asset through the selected asset exchange, and transfers the exchanged second user asset to the seller of the first terminal 220, To perform product trading by transmitting a command to exchange 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. You can. At this time, the second user asset may correspond to the first user asset as described above. In this embodiment and the following embodiments, the exchange of assets may include financial transactions such as purchasing or selling assets.

In one embodiment, the first mediation server 210 withdraws the funds of the second user through a financial institution that the second user of the second terminal 230 has signed up for or selected (and transfers the withdrawn funds of the second user to the buyer's assets). ), the second user asset can be purchased 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 has signed up for or selected, and purchase the second user's assets using the buyer's assets. At this time, the financial institution may be a bank, and the first intermediary server 210 may be a PG company, VAN company, card company, or digital asset exchange corresponding to the financial institution, but the type of the first intermediary server 210 is as follows. Not limited. The first mediation server 210 may purchase the second user's assets using cash raised through the second user's deposit or loan from a financial institution.

In another embodiment, the first mediation server 210 mediates one or more transactions based on a means of substituting the second user's funds through a financial institution that the second user of the second terminal 230 subscribes to or selects. You can purchase assets. For example, the first mediation server 210 provides a loan service under the condition that the financial institution signed up 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. You can purchase one or more trading assets using . That is, when the second user selects credit card payment, the first mediation server 210 receives the purchase price for the transaction-mediating asset through the financial institution and can purchase one or more transaction-mediating assets with the purchase price.

In another embodiment, the first mediation server 210 may rent the buyer's assets to the second user of the second terminal 230. Specifically, the first mediation server 210 may rent the buyer's assets based on the credit information of the second user. Alternatively, the first mediation server 210 may lend the buyer's assets 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 lent by the first mediation server 210 to the second user is that of the second user's assets. It may correspond to value.

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

Meanwhile, as described above, the mediation server 210 is the same as or may perform the same function as the product transaction server. In other words, the commodity trading server may sell one or more trading intermediate assets based on the second user's funds or a means to replace the second user's funds.

Additionally, the product transaction server may sell one or more transaction mediation assets to a second user through the first mediation server 210. Specifically, the first intermediary server 210 withdraws the second user's funds through a financial institution registered or selected by the second user, or uses a means to replace the funds, and transfers one or more transaction intermediary assets from the product transaction server. You may purchase and deposit one or more purchased transaction assets into the second user's account.

In one embodiment, the first mediation server 210 may sell the first user asset of the first terminal 220. Alternatively, the second mediation server 210, which is 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 loan services, such as credit, using the credit of the second user, and the first mediation server 210 or the second user may provide one loan service using the loan amount through the loan service. You can purchase the above trading assets. 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 product transaction server may rent the buyer's assets to the second user. At this time, the value of the buyer's assets may correspond to the value of one or more transaction mediating assets to be sold by the product trading server, that is, the value of the second user's assets. The product transaction server may sell one or more transaction mediating assets to a second user based on the buyer's assets.

In another embodiment, the product transaction server may rent the buyer's assets to the second user through the first mediation server 210. Additionally, the product transaction server may rent the buyer's assets to the second user through the first mediation server 210.

Specifically, the first mediation server 210 may lend the buyer's assets to the second user based on the second user's credit. The first mediation server 210 may purchase one or more transaction mediation assets using buyer assets lent to the second user. The first brokerage server 210 may deposit one or more purchased transaction mediation assets into the second user's account.

In one embodiment, the first intermediary server 210, when the buyer asset owned by the second user is more than a predetermined ratio (e.g., 30% of the purchase price) of the purchase price for one or more transaction intermediate assets to be purchased, One or more trading assets can 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 has been completed. Specifically, when the third mediation server 210 receives a signal from the second user that the transaction has been completed, such as purchase confirmation, purchase completion, or receipt of the sale product, it may determine that the transaction for the sale product has been completed. Alternatively, the third mediation server 210 may determine that the transaction for the product for sale has been completed when a preset period has elapsed even if a signal that the transaction has been completed is not received from the second user. In addition, the third mediation server 210 can transfer the proceeds from selling the first user's assets to the first user by converting them into a state in which the first user can withdraw. For example, the third mediation server 210 may be an e-commerce company such as an online general shopping mall or open market.

The above-described first to third mediation servers 210 may refer to different servers, but two or more may be the same server. Additionally, the second and third mediation servers 210 may perform the above-described embodiments 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 brokerage servers 210 may include financial institutions such as securities companies, credit card companies, banks, insurance companies, capital companies, and financial holding companies, liquidity providers, and PG companies, but the types of brokerage servers 210 vary accordingly. Not limited. Additionally, the first to third mediation servers 210 may function as liquidity providers.

The brokerage 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 Figure 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 through a network to provide commands, codes, files, content, services, etc.

Figure 3 is a diagram illustrating the creation of an NFT and a web link for purchasing an NFT according to an embodiment.

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

In one embodiment, the device may generate an NFT (310) that authenticates ownership of the product for sale based on the digital data (300). Additionally, the device can generate a web link or app link to purchase NFT 310.

Referring to FIG. 3, the device may receive digital data 300 indicating 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 wishes to sell. The device may generate an NFT (310) by minting a photo (300) taken with a camera of the first user's product for sale.

The device may map information about the product for sale and NFT information to generate authentication information that certifies that the first user has ownership of the product for sale. In other words, the authentication information may correspond to information certifying that the owner of the NFT (310) is the owner of the product for sale. Additionally, information about the product for sale may include identification information about the person who has ownership of the product for sale. In other words, the purpose is to create authentication information linking the NFT (310) with the actual sold product to be traded through the NFT (310), thereby clarifying the change in ownership of the product due to the transaction of the NFT (310).

Information about the product and NFT information for generating authentication information can be received from the first user or a separate NFT creation server not shown in FIG. 1 described above.

Finally, the device can create a transaction link that allows a second user to purchase the created NFT (310). For example, but not limited to, a transaction link may be a web link or an app link.

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

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

In one embodiment, product transaction server 400 may generate transaction link 440 based on a product sold by the first user. 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 generate 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. Transaction link 440 may be a button or URL (Uniform Resource Locator) on the web 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 for purchasing an NFT for a product for sale obtained based on the digital data 430.

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

As another example, the transaction link 440 may include all information related to a button for initiating a transaction, a link, and other interfaces that enable interaction with the user, and the form of the transaction link 440 is not limited thereto.

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

Transaction conditions 450 may include one or more types of transaction mediating assets. For example, tradable assets may include digital assets such as virtual currencies, 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, The type of asset traded can be determined. However, trading media assets may include spot and futures and are not limited to the above examples.

Trading conditions 450 may include an asset exchange on which transactions are performed for one or more trading intermediate assets. The trading conditions 450 for the asset exchange may be determined by the type of asset being traded, and the asset exchange trading the determined asset may be determined by the trading conditions 450, but may also be determined independently depending on the characteristics of the exchange. .

For example, when the transaction medium asset to be used in the payment process 470 is determined to be a specific cryptocurrency, the product trading server 400 is configured to use at least one of the first cryptocurrency exchange and the second cryptocurrency exchange where transactions for the specific cryptocurrency are performed. can be determined as the transaction conditions 450. However, the product trading server 400 determines at least one of the first cryptocurrency exchange and the second cryptocurrency exchange as the transaction condition 450 by considering the cryptocurrency trading volume, volatility, stability, and transaction fee of each cryptocurrency exchange. You can.

For another example, if the trading medium asset to be used in the payment process 470 is a stock, the product trading server 400 may determine the Korea Exchange (KRX) as the exchange for the trading conditions 450.

In other words, the product trading server 400 can determine the asset exchange where trading for one or more trade mediating assets is performed using the trading conditions 450.

Transaction terms 450 may include option contract terms. An option contract is a contract that limits the subscriber's right to cancel the subscription, and includes call options and put options. A call option is a contract in which the beneficiary has the right to demand that the grantor sell property rights at an agreed-upon price, and a put option is a contract in which the beneficiary has the right to require the grantor to sell property rights at an agreed-upon price. At this time, the option holder, who is the beneficiary, pays a certain price to purchase the option. If it is advantageous to him/her, he/she can exercise the option and fulfill the contract. If it is disadvantageous to him/her, he/she can give up the exercise of the option and not perform the contract. Conversely, the option writer, as the grantor, has an obligation to fulfill the contract if the option holder wishes to perform the contract.

In one embodiment, the transaction conditions 450 may include a price at which the second terminal 420 agrees to purchase a product for sale from the first terminal 410 at a specific price according to a call option. At this time, when the payment time arrives, the first terminal 410 cannot refuse the purchase of the second terminal 420, but the second terminal 420 may not make the purchase. In other words, the transaction conditions 450 according to the call option are conditions under which the second terminal 420 can select a favorable decision based on the value of the product sold at the time of payment and the agreed upon price. Conversely, the transaction conditions 450 may include a price at which the first terminal 410 agrees to sell the product to the second terminal 420 at a specific price according to a put option. When the payment time arrives, the second terminal 420 cannot refuse the sale of the first terminal 410, but the first terminal 410 may not be sold. In other words, the transaction conditions 450 according to the put option are conditions under which the first terminal 410 can select a favorable decision based on the value of the product sold at the time of payment and the agreed upon price.

In one embodiment, an options contract may be a trading term 450 for a trading medium asset. For example, the transaction condition 450 may include a condition to perform a transaction with the corresponding transaction asset despite changes in the value of the transaction asset. Specifically, the first terminal 410 and/or the second terminal 420 must perform a transaction for a product for sale using the transaction medium asset despite changes in the asset. At this time, the advantages and disadvantages in the transaction process of the seller's first terminal 410 and the buyer's second terminal 420 may vary based on the fluctuations of the transaction mediating asset. Additionally, depending on the type of option contract, the terminal that can give up the right to purchase or sell in unfavorable cases may also vary.

In one embodiment, product transaction server 400 may determine one or more transaction assets based on characteristics of the product for sale and/or transaction assets. As an example, the product transaction server 400 may select one or more transaction intermediate assets based on the characteristics of the product for sale and/or the transaction intermediate asset at the time of receiving the input of the second terminal 420 for the transaction link 440. You can decide the type. Characteristics of the product for sale may include the value or size of the product for sale and the type of product for sale. Additionally, the characteristics of the traded assets may include price volatility, trading volume, liquidity, and transaction fees for each trading asset.

For example, the product transaction server 400 receives identification information of the first user of the first terminal 410 and the second user of the second terminal 420, and determines the tendencies of sellers and buyers based on the identification information. After acquisition, the type of asset to be traded can be determined based on the acquired propensity. As an example, if the buyer or seller has a stable tendency, the product transaction server 400 may select a transaction asset with high transaction volume and low volatility as the asset to be used in the payment process 470.

In one embodiment, one or more transaction mediating assets may include different first assets and second assets. In other words, the transaction assets to be used in the settlement process 470 may be a plurality of different types of transaction assets, and in this case, the transaction conditions 450 may further include the sell rate or purchase ratio of each of the plurality of transaction assets. You can. Specifically, the product transaction server 400 may determine the transaction intermediate asset to be used in the payment process 470 at a sell or buy ratio of 60% for the first asset and 40% for the second asset.

In one embodiment, trading terms 450 may include an option contract to maintain a fixed price for one or more trading assets. Specifically, if one or more trading assets are highly volatile assets (e.g., cryptocurrency such as coins), the transaction conditions 450 may include an option contract for hedging the price of the trading assets. Options contracts may include various types of cryptocurrency purchase contracts, short selling contracts, and futures contracts. At this time, when performing the settlement process 470, as will be described later, the product trading server 400 may purchase a put option for one or more transaction mediating assets. In this way, losses due to price volatility can be offset by purchasing option contracts and put options for hedging the prices of traded assets.

In one embodiment, the product transaction server 400 performs a payment process 470 using the buyer asset 460 of the second terminal 420, and as a result, transfers the seller asset 480 to the first terminal 410. It can be delivered to the seller. From the perspective of the first terminal 410, when the first terminal 410 transmits the sold product or the digital data 420 about the sold product, the asset 480 corresponding to the value of the sold product is received from the product transaction server 400. You can receive From the perspective of the second terminal 420, when the second terminal 420 selects the transaction link 440 of the product for sale, the asset 460 corresponding to the value of the product for sale is withdrawn and the digital data 420 You can purchase corresponding sales products.

In one embodiment, the product transaction server 400 may perform authentication for the first terminal 410 and the second terminal 420 in order to perform product transaction. Authentication to perform product transactions may include authentication necessary to perform transactions regarding seller and buyer accounts, electronic wallets, transaction mediating assets, and asset exchanges. During the authentication process, authority for payment can be delegated as described above.

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

FIG. 5 is a diagram illustrating a transaction between a first terminal, a second terminal, and a product transaction server according to a payment process according to an embodiment.

Shown in Figure 5, product transaction server 500, first terminal 510, second terminal 520, digital data 530, transaction link 540, transaction conditions 550, buyer asset 560 , Among the descriptions of the seller assets 580 and the payment process 570, descriptions that overlap with those in FIG. 4 are omitted.

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

For example, when the buyer asset 560 is cash of 147,000 won and the transaction medium asset 571 to be exchanged is Coin 14.6970 coins X (571) can be sold to the second terminal as payment. At this time, a transaction fee (selling fee) for Coin For example, if the transaction fee for Coin there is. Transaction assets purchased by the second terminal 520 may be deposited in the second user's account as second user assets 571.

As an example, when there are multiple types of one or more transaction assets 571 and the product transaction server 500 determines the selling ratio of each of the plurality of transaction assets 571 as a transaction condition 550, the product transaction server 571 (500) may sell a plurality of transaction mediating assets (571) to the second terminal (520) based on the selling ratio. For example, if the transaction mediating asset 571 is a first digital asset and a second digital asset, the product transaction server 500 sets the first digital asset to 40% of the value of the buyer asset 560 and the second digital asset to 40% of the value of the purchaser asset 560. It can be sold for up to 60% of the value of the buyer's assets (560). Meanwhile, the number of assets traded is not limited to two.

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

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

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

In one embodiment, the product transaction server 500 may deposit the first user asset 572 in the first user's account by transferring the second user asset 571 to the first terminal. For example, if the type of transaction medium asset is virtual currency, the product 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 second user. 1 It can be transferred to virtual currency (572) in the user’s own blockchain wallet. And the first user's assets can be deposited by recording this in the blockchain wallets of the second user and the first user.

In one embodiment, the product transaction server 500 determines whether the sale of the transaction intermediate asset 571 has been completed, and based on completion, transfers the second user asset 571 to the first terminal 510 or the first user asset 571. It can be transferred to the user. In other words, the product transaction server 500 can provide an escrow service to ensure that transactions can be carried out smoothly when the credit relationship between the first terminal 510 and the second terminal 520 participating in the payment process 570 or transaction is uncertain. there is.

In one embodiment, the product transaction 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 572) can be purchased for 146,926 won (580). At this time, a transaction fee (purchase fee) for Coin For example, if the transaction fee for Coin .

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

In one embodiment, the product transaction server 500 may perform at least one step among the payment process of sale, transfer, and purchase with time difference. For example, the product transaction server 500 may leave a predetermined time gap when determining transaction conditions 550 and selling the second user asset 571. Alternatively, the product transaction server 500 may leave a predetermined time gap 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 transferring the second user asset 571 to the first user and purchasing the first user asset 572.

If the transaction medium asset has high price volatility, price fluctuations may occur due to the time difference between the selling point of the second user asset (571) and the purchasing point of the first user asset (572). As described above, the product transaction server 500 may purchase a put option to hedge price fluctuations due to time differences in the payment process 570. Additionally, one or more trading intermediate assets may be sold to the second terminal 520 or a second user based on a put option.

Meanwhile, when the product transaction server 500 exchanges the buyer asset 560 with the digital asset 571 in the buyer's name or exchanges the digital asset 572 in the seller's name with the seller asset 580, the liquidity provider (Liquidity Provider) , LP) can participate. A liquidity provider refers to a securities company that adjusts and suggests buy and sell prices to promote trading of stocks that are underperforming due to differences in buy and sell prices. The product trading server 500 may perform the above-described exchange based on the buy and sell prices presented by the liquidity provider. Alternatively, the buy and sell prices suggested by the liquidity provider may be included in the transaction conditions 550.

In one embodiment, the liquidity provider may perform a transaction such that the second user's assets 571 are transferred to the first user. Specifically, the liquidity provider may enter into an LP contract with the product trading server 500, a brokerage server, a financial institution, or an asset exchange, and submit a quote to enable the transfer of the second user asset 571.

Meanwhile, when the liquidity provider buys and sells the transaction intermediate assets (including the second user asset 571 and the first user asset 572) based on the LP contract, the LP contract includes a purchase conditional sale contract or a sale conditional contract. A purchase agreement may be included. Additionally, 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 option, and the terms of the LP contract may be included in the transaction conditions 550.

In one embodiment, the product trading server 500 may be the entity that performs the sale of the second user asset 571 or the purchase of the first user asset 572, but may be an asset exchange or an entity related to the asset exchange. , it can be performed indirectly by liquidity providers and brokerage servers, etc. In other words, as described above in FIG. 2, the product 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. Additionally, the sale or purchase of trading intermediate assets can be performed between the liquidity provider and the brokerage server.

Likewise, the transfer of the second user asset 571 to the first user may be performed by the product trading server 500, but is indirectly performed by the asset exchange, entities related to the asset exchange, liquidity providers, and brokerage servers. It can be.

In one embodiment, the asset exchange on which the settlement process 570 is performed may charge a transaction fee each time a transaction-mediated asset is sold or purchased. At this time, as a transaction fee is incurred in the selling stage, the product transaction server 500 can sell the transaction intermediate asset 571 excluding the transaction fee using the buyer asset 560 as the selling price.

Likewise, assuming a case where a transaction fee is incurred in the transfer step of transferring the second user asset 571 to the first user, the product transaction server 500 uses the second user asset 571 as a transaction medium excluding the transaction fee. It can be transferred to assets (572). Likewise, a transaction fee may be incurred during the purchase stage of the first user asset 572. The transaction fees of the above asset exchanges may be included in the transaction conditions (550).

Figure 6 is a flowchart showing a method of performing a product transaction according to one embodiment.

At step 610, the device may generate a transaction link based on the product sold by the first user corresponding to the seller.

At step 620, the device may determine transaction terms in response to receiving input for a transaction link from a second user corresponding to the purchaser. In one embodiment, the transaction terms are one corresponding to the value of the item for sale. It may include more than one transaction medium asset.

In one embodiment, the device may determine an asset exchange on which a transaction is performed for one or more tradable assets. For example, asset exchanges may include stock exchanges, bond exchanges, and digital asset exchanges.

In one embodiment, the device may determine transaction fees and taxes applicable to the payment process of the asset exchange.

In one embodiment, the device determines the type of one or more tradable assets from among a preset plurality of assets based on at least one of the value of the product for sale, the type of product for sale, the price volatility of the tradable asset, liquidity, and transaction fees. You can.

In one embodiment, when there are two or more types of assets to be traded, the device may determine the selling ratio of the assets to be traded as a trading condition.

In one embodiment, one or more tradable assets may include cryptocurrency, NFTs, bonds, stocks, and cash.

In one embodiment, the transaction terms include a price at which the second user agrees to purchase the sold product from the first user at a certain price or a price at which the first user agrees to sell the sold product to the second user at a certain price. It can be included.

In one embodiment, the first user may correspond to a buyer or a purchase delegate who has been delegated the buyer's financial transaction authority, and the second user may correspond to a seller or a sales delegate who has been delegated the seller's financial transaction authority. At this time, the financial transaction authority may include authentication authority and transaction authority for at least one of the first user or the second user's account, an electronic wallet, one or more transaction mediating assets, and an asset exchange.

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

Figure 7 is a flowchart showing a payment process according to one embodiment.

In step 710, the device may deposit the second user's assets into the second user's account by selling one or more trading intermediate assets to the second user based on the trading conditions, or may transmit a command to deposit the second user's assets to the asset exchange server. .

In one embodiment, when there is a time difference in at least one step of the settlement process, the device buys a put option on one or more trading intermediate assets to hedge price volatility due to the time difference, or sends a command to the asset exchange to buy a put option. It can be sent to the server. Additionally, the device may sell one or more trading intermediate assets to the first user based on a put option, or transmit a command to sell to the asset exchange server.

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

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

At step 720, the device may transmit a command to the asset exchange server to deposit or deposit the first user asset into the first user's account 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. Additionally, the second user's assets may be transferred to the first user based on completion.

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

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

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

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

Figure 8 is a block diagram of a device that performs a product transaction according to an embodiment.

Referring to FIG. 8, a device 800 that performs a product transaction may include a communication unit 810, a processor 820, and a memory 830. In the device 800 for performing product trading in FIG. 8, only components related to the embodiment are shown. Accordingly, those skilled in the art can understand that other general-purpose components may be 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 receiver (not shown). In one embodiment, the communication unit 810 may transmit and receive data by communicating with a user terminal and an asset exchange server.

The memory 830 is hardware that stores various data processed within the device 800 that performs product transactions, and can store programs for processing and control of the processor 820. The memory 830 can store payment information including asset purchase, sale, and transfer, as well as user information such as buyers and sellers.

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

The processor 820 controls the overall operation of the device 800 that performs product transactions. For example, the processor 820 can generally control the input unit (not shown), display (not shown), communication unit 810, memory 830, etc. by executing programs stored in the memory 830. The processor 820 may control at least some of the operations of the device for performing product transactions described above in FIGS. 1 to 7 by executing programs stored in the memory 830.

The processor 820 includes 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 other electrical units for performing functions.

In one embodiment, the device 800 that performs a product transaction may be a mobile electronic device. For example, the device 800 for performing product transactions may be a smartphone, tablet PC, PC, smart TV, personal digital assistant (PDA), laptop, media player, navigation, device equipped with a camera, and other mobile electronic devices. It can be implemented as: Additionally, the device 800 that performs product trading may be implemented as a wearable device such as a watch, glasses, hair band, or ring equipped with a communication function and data processing function.

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

In one embodiment, the transaction interface generator may generate a transaction link based on a product sold by the first user corresponding to the seller. Among the embodiments related to the transaction interface creating a transaction link, descriptions of the embodiments described above with reference to FIGS. 1 to 7 will be omitted.

In one embodiment, the transaction terms determination unit may determine transaction terms in response to receiving input for a transaction link from a second user corresponding to the purchaser. In another embodiment, the transaction conditions 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 transaction conditions, descriptions of the embodiments described above with reference to FIGS. 1 to 7 will be omitted.

In one embodiment, the liquidity provision department and the account management department may perform a settlement process. For example, the liquidity provider may deposit the second user's assets into the second user's account by selling one or more trading intermediate assets to the second user based on trading conditions.

In one embodiment, the account manager may deposit the first user's assets into the first user's account by transferring the second user's assets to the first user. Meanwhile, when a third entity is selected, the account management department confirms that the second user's assets have been deposited in the second user's account by the liquidity supply department, and transfers the second user assets to the third entity rather than the first user's account. You can transfer to your account.

In one embodiment, the liquidity provider may purchase the first user's assets from the first user. Meanwhile, when a third entity is selected, the liquidity supply department can confirm that the second user's assets have been transferred to the third entity's account by the account management department and purchase the assets transferred from the third entity.

Among the embodiments related to the liquidity supply department and the account management department performing a payment process, descriptions of the embodiments described above with reference to FIGS. 1 to 7 will be omitted.

Various embodiments of the present disclosure may be implemented as software (eg, program) including one or more instructions stored in a storage medium that can be read by a machine. For example, the processor of the device may call at least one instruction among one or more instructions stored from a storage medium and execute it. This allows the device to be operated to perform at least one function according to the at least one instruction called. The one or more instructions may include code generated by a compiler or code that can be executed by an interpreter. A storage medium that can be read by a device may be provided in the form of a non-transitory storage medium. Here, 'non-transitory' only means that the storage medium is a tangible device and does not contain signals (e.g. electromagnetic waves). This term refers to cases where data is stored semi-permanently in the storage medium. There is no distinction between temporary storage cases.

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

The scope of this embodiment is indicated by the patent claims described later rather than the detailed description above, and should be interpreted to include all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts.

Claims (9)

In a method of performing a transaction of a product, which is performed by a product transaction server,
generating a transaction link based on a product sold by a first user corresponding to the seller;
In response to receiving input regarding the transaction link from a second user corresponding to a purchaser, determining transaction terms; and
performing a payment process based on the transaction conditions;
Including,
The terms of the above transaction are:
Contains one or more transactional assets corresponding to the value of the sold product,
The steps for performing the payment process are:
(a) depositing second user assets into the second user's account by selling the one or more transaction intermediate assets to the second user based on the transaction conditions;
(b) depositing first user assets into the first user's account by transferring the second user assets to the first user; and
(c) purchasing the first user asset from the first user;
Including,
The product transaction server,
Perform the payment process based on the first user's financial transaction authority granted by the first user and the second user's financial transaction authority granted by the second user,
The above financial transaction authority is:
A method that is authorized to perform financial transactions including deposits, withdrawals, exchanges, and transfers for trading the above products. According to claim 1,
In step (a),
A selling step of selling the one or more transaction-mediated assets based on the second user's funds or a means replacing the second user's funds,
One or more transaction-mediated assets sold above are:
A method of conducting a transaction of goods deposited into the account of the second user as the second user asset. According to claim 2,
The selling step is,
A step of selling the one or more transaction mediating assets to the second user through a first brokerage server,
The first mediation server,
Withdraw the funds of the second user through a financial institution registered or selected by the second user, or purchase the one or more transaction-mediating assets using a means of replacing the funds, and purchase the one or more transaction-mediating assets purchased A method of performing a transaction of goods, depositing into the account of the second user. According to claim 1,
In step (b),
A method of conducting a transaction in a commodity, wherein the second user's assets are transferred to the first user by a liquidity provider. According to claim 4,
The above method is,
(d) delivering the purchase price of the first user's assets to the first user through a second mediation server,
The second mediation server,
A method of performing a product transaction, confirming whether the transaction for the product for sale has been completed, and converting the amount for purchasing the first user's assets to a state in which the first user can withdraw. According to claim 1,
In step (a),
A lending step of lending buyer assets - the value of the buyer assets corresponds to the value of the second user assets - to the second user; and
A selling step of selling the one or more transaction assets to the second user based on the buyer's assets,
One or more transaction-mediated assets sold above are:
A method of conducting a transaction of goods deposited into the account of the second user as the second user asset. According to claim 6,
The rental step is,
Comprising: lending the buyer's assets to the second user through a first mediation server,
The selling step is,
Including selling the one or more transaction mediation assets to the second user through the first mediation server,
The first mediation server,
Leasing the buyer asset to the second user based on the credit of the second user, purchasing the one or more transaction assets using the buyer asset, and transferring the purchased one or more transaction assets to the second user Method of carrying out transaction of goods, depositing in an account of. In a device for carrying out a transaction of goods,
a memory that stores at least one program;
a communication unit that transmits and receives data with at least one of an asset exchange, a first mediation server, and a second mediation server; and
At least one processor that performs a transaction of goods by executing the at least one program,
The at least one processor,
Generate a transaction link based on the product sold by the first user corresponding to the seller,
In response to receiving input for the transaction link from a second user corresponding to a purchaser, determine transaction terms,
Perform the payment process based on the above transaction conditions,
The terms of the above transaction are:
Contains one or more transactional assets corresponding to the value of the sold product,
The processor performs the payment process,
Depositing second user assets into the account of the second user by selling the one or more transaction intermediate assets to the second user through the communication unit based on the transaction conditions;
depositing first user assets into the account of the first user by transferring, through the communication unit, the second user assets to the first user;
and purchasing the first user asset from the first user through the communication unit,
The processor performs the payment process,
Perform the payment process based on the first user's financial transaction authority granted by the first user and the second user's financial transaction authority granted by the second user,
The above financial transaction authority is:
A device that is authorized to perform financial transactions including deposits, withdrawals, exchanges, and transfers for trading the above products. A computer-readable recording medium that records a program for executing the method of claim 1 on a computer.

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