JP2021002244A - Postpaid settlement support device and postpaid settlement support method - Google Patents

Abstract

To provide a postpaid settlement support device that can reduce a bad debt risk at time of postpaid settlement.SOLUTION: A postpaid settlement support server receives, after a predetermined period of time has passed since a purchaser purchased a product by postpaid settlement, an application message from a seller system requesting transfer of a claim received by a seller by purchasing the product, and transfers money included in the received application message to a financial institution account specified by the seller. The support server executes, after issuing a notification document to a purchaser contact address included in the application message, when the money is transferred to the financial institution account corresponding to the issued notification document, processing of reconciling the claim by the transferred money. The support server executes, when the money is transferred to the financial institution account corresponding to a billing document transmitted to the purchaser, the processing of reconciling the claim.SELECTED DRAWING: Figure 7

Description

The present invention relates to a postpaid settlement support device and a postpaid settlement support method.

The third embodiment of Patent Document 1 below discloses a settlement method when the price is settled by postpayment. In this payment method, when the user selects post-payment and applies for the provision of a service, the seller provides the service to the user and asks the payment operator to settle the price for the service. The payment operator presents the billing information to the user and then collects the payment from the user.

Japanese Unexamined Patent Publication No. 2019-20978

In Patent Document 1, when the user selects postpaid settlement of the price, the settlement business operator undertakes all the payment collection business from the user, and the settlement business operator also undertakes the risk of bad debt due to the user's non-payment. In Patent Document 1, in order to reduce the risk of such bad debts, the settlement business operator collects a fee calculated according to the creditworthiness of the user from the seller.

However, it is difficult to objectively judge the creditworthiness of a user, and there are cases where the risk of bad debt cannot be reduced by a fee calculated according to the creditworthiness of the user. In other words, there is room for improvement in the mechanism for reducing the risk of bad debt at the time of postpaid settlement.

The present invention has been made to solve the above-mentioned problems, and one of the objects of the present invention is to provide a postpaid settlement support device and a postpaid settlement support method capable of reducing the risk of bad debt at the time of postpaid settlement. To do.

The postpaid settlement support device, which is one aspect of the present invention, sells a product sold by the seller by purchasing the product after a predetermined period of time has passed since the purchaser purchased the product by postpaid settlement. The application receiving unit that receives the application message requesting the transfer of the claims generated to the person from the seller's system and the price included in the received application message are transferred to the financial institution account designated by the seller. When the price is transferred to the transfer processing department that executes the processing, the document issuing department that issues the notification document to the contact information of the purchaser included in the application message, and the financial institution account corresponding to the issued notification document. In addition, when the price is transferred to the credit clearing processing unit that executes the processing to clear the claim and the financial institution account corresponding to the billing document sent to the purchaser by the transferred price. It is provided with a claim cancellation processing unit that executes the processing for canceling the claim.

In the above aspect, a credit examination request message including purchaser information about the purchaser corresponding to the order information generated when the purchaser purchases the product and product information about the product is received from the system on the seller side. The examination request receiving unit, the credit examination unit that executes the credit examination process of the purchaser based on the purchaser information and the product information included in the received credit examination request message, and the result of the credit examination process. The goods and the billing documents are delivered to the purchaser when the product and the billing documents are delivered to the purchaser when the result of the credit examination process is the content indicating that the examination has passed. You may do it.

In the above aspect, the application message may be transmitted by the seller's system, provided that the billing document issued by the seller has been sent to the purchaser at least once.

In the above aspect, the beginning of the predetermined period may be either when the goods are shipped to the purchaser or when the goods are delivered to the purchaser.

The postpaid settlement support method, which is one aspect of the present invention, is a postpaid settlement support method executed by a processor, and is a predetermined period after the purchaser purchases a product sold by the seller by postpaid settlement. Is included in the application receiving step of receiving the application message from the seller's system and the received application message to apply for the transfer of the claim generated to the seller by the purchase of the product after the elapse of. A transfer processing step of executing a process of transferring the price to a financial institution account designated by the seller, a document issuing step of issuing a notification document to the contact information of the purchaser included in the application message, and the issued notification document. Corresponds to the claim clearing process step that executes the process of clearing the claim by the transferred price when the price is transferred to the financial institution account corresponding to, and the billing document sent to the purchaser. This includes a claim cancellation processing step of executing the processing of canceling the claim when the price is transferred to the financial institution account.

In the above aspect, a credit examination request message including the purchaser information regarding the purchaser corresponding to the order information generated when the purchaser purchases the product and the product information regarding the product is received from the system on the seller side. The credit examination step for executing the credit examination process of the purchaser based on the purchaser information and the product information included in the received credit examination request message, and the result of the credit examination process. The goods and the billing documents are delivered to the purchaser when the result of the credit examination process is the content indicating that the examination has passed, including the transmission step of transmitting the goods to the system on the seller side. You may do it.

In the above aspect, the application message may be transmitted by the seller's system, provided that the billing document issued by the seller has been sent to the purchaser at least once.

In the above aspect, the beginning of the predetermined period may be either when the goods are shipped to the purchaser or when the goods are delivered to the purchaser.

According to the present invention, it is possible to provide a postpaid settlement support device and a postpaid settlement support method that can reduce the risk of bad debt at the time of postpaid settlement.

It is a figure which illustrates the structure of the postpaid payment system including the postpaid payment support server which concerns on embodiment. It is a figure which illustrates the physical configuration of the postpaid settlement support server. It is a figure which illustrates the functional structure of the postpaid settlement support server. It is a sequence chart for demonstrating the operation at the time of advancing the settlement process by postpay in a postpay settlement system. It is a sequence chart for demonstrating the operation in the examination passing process executed in step S109 of FIG. It is a sequence chart for explaining the procedure of the postpaid settlement process executed in step S110 of FIG. 4, in which the purchaser makes a settlement by transferring the price to the seller's designated account based on the billing document. Among the postpaid settlement processes executed in step S110 of FIG. 4, a process in which the purchaser transfers the price to the designated account of the settlement operator based on the notification document after the claim is transferred to the settlement operator. It is a sequence chart for explaining the procedure of. Of the postpaid settlement processes executed in step S110 of FIG. 4, the process of making a settlement by transferring the price to the seller's designated account based on the billing documents after the claim is transferred to the settlement operator. It is a sequence chart for explaining a procedure.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The same elements are designated by the same reference numerals, and duplicate description will be omitted.

FIG. 1 is a schematic configuration diagram of a postpaid payment system including a postpaid payment support server (postpaid payment support device) according to an embodiment of the present invention. As shown in the figure, the postpaid payment system 100 in the present embodiment includes a postpaid payment support server 1, one or more seller servers 2, and one or more purchaser terminals 3.

The seller server 2 is a server device operated by a seller (including a sales company) who sells products, and is included in a system for developing a mail-order site on the Web. The seller server 2 is provided with, for example, a processor, a storage resource such as a memory, and a communication interface, and the processor executes a program stored in the storage resource to realize various functions including the function of a mail order site. To do.

The purchaser terminal 3 is a terminal device used by a purchaser who accesses a mail-order site and purchases a product. As the purchaser terminal 3, for example, a smartphone, a tablet terminal, a personal digital assistant (PDA), a notebook PC (personal computer), a PC, or other terminal device can be appropriately used.

The postpaid payment support server 1 is a server device operated by a payment business operator (including a payment business company) that acts as a proxy for postpaid payment contracted by the seller, and has a function of supporting postpaid payment contracted by the seller. Has. The settlement business operator registers a seller who pays a predetermined guarantee fee as a member store, and supports postpaid settlement undertaken by the seller. Details of the postpaid settlement support server 1 will be described later.

The purchaser terminal 3 and the seller server 2 can be connected via the network Nb, and the seller server 2 and the postpaid settlement support server 1 can be connected via the network Na. The networks Na and Nb include, for example, the Internet, LAN, leased lines, telephone lines, corporate networks, mobile communication networks, Bluetooth (registered trademark), WiFi (Wireless Fidelity), other communication lines, and combinations thereof. It does not matter whether it is wired or wireless. The network Na and the network Nb may be the same network or may be separate networks.

As shown in FIG. 2, the postpaid payment support server 1 includes, for example, a processor 11, a communication interface 12, and a storage resource 13 as physical configurations.

The processor 11 is composed of an arithmetic and logical operation unit that processes arithmetic operations, logical operations, bit operations, and various registers, and implements various functions described later by executing the program 130 stored in the storage resource 13. ..

The communication interface 12 is, for example, a hardware module that connects to network Na and communicates with other terminals connected on network Na.

The storage resource 13 is, for example, a logical device provided by a storage area of a physical device. As the physical device, a computer-readable recording medium such as a disk drive or a semiconductor memory can be used.

The storage resource 13 stores, for example, the program 130, various data registered in the database 132, and the like. Examples of various data registered in the database 132 include purchaser information, product information, seller information, order information, examination settlement information, and the like.

The purchaser information includes, for example, a purchaser ID item, a name item, an address item, a telephone number item, an email address item, and the like that identify the purchaser as data items. The product information includes, for example, a product ID item for specifying a product, a product name item, an amount item, a quantity item, a seller ID item, and the like as data items.

The seller information includes, for example, a seller ID item, a seller name item, an address item, a telephone number item, an email address item, and the like that identify the seller as data items. The order information includes, for example, an order NO item for specifying an order, a purchaser ID item, a product ID item, a seller ID item, an order content item, a delivery destination item, and the like as data items. The delivery address item stores information about the delivery address when the product is delivered to an address different from the purchaser's address (for example, work address, gift address).

The examination settlement information includes, for example, a member ID item, an order ID item, an examination result item, a settlement status item, and the like that identify a purchaser who uses postpaid settlement as data items.

The above-mentioned configuration of a database for registering various data such as purchaser information, product information, seller information, order information and examination settlement information, and the contents and combinations of data items constituting various data are merely examples. The configuration of the database and the contents and combinations of data items can be changed as appropriate according to the operating system.

The program 130 is a computer program including the main program of the postpaid payment support server 1 and a plurality of software modules 131 that are appropriately called and executed during the operation of the main program. Each software module 131 is a modularized subprogram to execute a specific process, and is created by using, for example, a procedure, a subroutine, a method, a function, a data structure, or the like.

A function realized by executing the software module 131 of the postpaid payment support server 1 will be described with reference to FIG. The postpaid settlement support server 1 has, as a functional configuration, for example, a receiving unit 1311, a credit examination unit 1312, a transmitting unit 1313, a transfer processing unit 1314, a document issuing unit 1315, a claim clearing processing unit 1316, and a claim cancellation processing unit. It has 1317. The functional configuration is not limited to the above, and necessary functions can be added or changed as appropriate according to the function of the server.

The receiving unit 1311 receives various messages and the like transmitted by an external device. The function of the receiving unit 1311 will be described below according to the type of message to be received.

(1) The receiving unit 1311 receives the credit examination request message transmitted by the seller server 2. The receiving unit 1311 in this case functions as an examination request receiving unit. The credit examination request message is a message for requesting the settlement business operator to perform the credit examination of the purchaser when the purchase of the product is applied for by postpaid settlement on the mail order site of the seller server 2.

The credit examination request message can include, for example, order information generated by the seller server 2 when the purchaser confirms the purchase of the product, purchaser information and product information corresponding to the order information, and the like. ..

(2) The receiving unit 1311 receives the application message transmitted by the seller server 2. The receiving unit 1311 in this case functions as an application receiving unit. The application message is a message for applying to transfer the claim to the purchaser generated by the seller to the settlement company when the product is purchased using the postpaid settlement on the mail order site of the seller server 2. .. As the transfer of the seller's receivables to the settlement business operator, for example, subrogation payment can be included.

The application message includes the member ID assigned on the postpaid settlement support server 1 at the time of credit examination. Based on this member ID, order information, purchaser information, product information, and the like related to the bond can be specified.

The timing for transmitting the application message can be appropriately set on the seller server 2. For example, the application message may be sent after a predetermined period of time has elapsed since the purchaser purchased the product. In this case, as the start of a predetermined period, for example, when the product is shipped (including posting) to the purchaser, or when the product is delivered to the purchaser, and the like can be set. Further, the application message may be sent on condition that the billing documents issued by the seller to the purchaser have been sent to the purchaser at least once.

The credit examination unit 1312 executes the credit examination process of the purchaser based on the purchaser information, the product information, and the like corresponding to the credit examination request message. The purchaser information used in the credit examination process includes, for example, a name, an address, a telephone number, an e-mail address, and the like, and the product information includes, for example, a product name, an amount of money, and the like.

In the credit examination process, the credit examination unit 1312 assigns a member ID to each purchaser who is the target of the credit examination and generates examination settlement information. The credit examination unit 1312 stores the result of the credit examination process in the examination result item of the examination settlement information. As a result of the credit examination process, for example, passing, non-passing, holding, etc. can be provided.

The transmission unit 1313 transmits the result of the credit examination process to the seller server 2. When the result of the credit examination process is passed, the seller server 2 executes the process at the time of passing the examination. The process at the time of passing the examination includes, for example, a process of creating a billing document, a process of instructing the delivery company's system to ship the product, and the like.

In the process of creating the billing documents, the seller server 2 creates the billing documents to be issued to the purchaser. In this billing document, for example, the purchaser's name, purchase date, product name, price, etc., as well as the account of the financial institution designated by the seller are described. The purchaser can pay the price at the counter of the financial institution, ATM, convenience store, etc., using the account of the financial institution indicated on the billing document as the payment destination. Financial institutions also include Japan Post Bank and post offices.

In the process of instructing the shipment of the above-mentioned product, the seller server 2 first sends a shipping instruction message to the delivery company's system. Subsequently, the delivery company proceeds with the packing work of the products picked up from the warehouse and the billing documents based on the customer information and the product information corresponding to the shipping instruction message, and delivers the products to the purchaser. The shipping instruction message is a message for instructing the delivery company to ship the goods and billing documents. The shipping instruction message may include, for example, order information corresponding to the product to be shipped, purchaser information corresponding to the order information, product information, and the like. The invoice does not necessarily have to be delivered together with the product, and the product and the invoice may be sent separately. For example, when giving a product, the product can be delivered to the recipient and an invoice can be sent to the purchaser.

The transfer processing unit 1314 executes a transfer process of transferring the price to the financial institution account designated by the seller based on the order information and the like corresponding to the application message received from the seller server 2. The transfer processing unit 1314 transmits the transfer result information generated by the transfer processing to the seller server 2. The seller server 2 executes the payment application process based on the transfer result information. Illustratively, in the payment application process, the seller server 2 deletes the data of the accounts receivable generated by the postpaid settlement based on the price transferred to the financial institution account designated by the seller.

When the transfer processing unit 1314 transfers the price to the financial institution account designated by the seller, the transfer processing unit 1314 may transfer the amount obtained by subtracting the predetermined fee from the price of the product.

The document issuing unit 1315 issues a notification document addressed to the purchaser based on the purchaser information and the like corresponding to the application message received from the seller server 2. The notification documents include, for example, a creditor change notification document notifying that the creditor has been changed from a seller to a settlement business operator, and a reminder document urging the repayment of the claim. In the notification document, for example, the purchaser's name, purchase date, product name, price, etc., as well as the account of the financial institution designated by the settlement business operator are described. The purchaser can pay the price at the counter of the financial institution, ATM, convenience store, etc., using the account of the financial institution indicated in the notification document as the payment destination.

When the payment is transferred to the financial institution account of the settlement business operator corresponding to the notification document issued by the document issuing department 1315, the claim clearing processing unit 1316 clears the claim based on the transferred price. Execute the process. Illustratively, in the process of clearing a claim, the claim clearing processing unit 1316 executes a process of storing data indicating that the claim has been collected in the settlement status item of the examination settlement information corresponding to the notification document.

The claim cancellation processing unit 1317 executes a process of canceling the claim when the payment is transferred to the seller's financial institution account corresponding to the billing document delivered to the purchaser. Illustratively, in the process of canceling a claim, the claim cancellation processing unit 1317 displays data indicating that the claim has been canceled due to the seller receiving the payment in the settlement status item of the examination settlement information corresponding to the billing document. Execute the process to store.

The price transferred to the seller's financial institution account may be offset by, for example, the seller server 2 transferring the price to the settlement business's financial institution account. In addition, when the transfer processing unit 1314 executes the transfer processing for the seller's financial institution account in response to the application message received from the next time onward, it is adjusted by deducting the above price from the amount subject to the transfer processing. You may do it.

Next, with reference to FIG. 4, an example of the operation when the postpaid payment process is advanced in the postpaid payment system 100 according to the embodiment will be described.

First, on the purchaser terminal 3 accessing the mail-order site of the seller server 2, when the product is purchased by selecting postpaid payment (step S101), the purchase is made from the purchaser terminal 3 to the seller server 2. The purchase application information regarding the product for which is applied is transmitted (step S102).

Subsequently, the seller server 2 executes the order processing based on the purchase application information transmitted in step S102 (step S103). In this order processing, order information is generated using the purchase application information.

Subsequently, the seller server 2 transmits the credit examination request message to the postpaid settlement support server 1 (step S104).

Subsequently, the credit examination unit 1312 of the postpaid settlement support server 1 executes the credit examination process of the purchaser based on the purchaser information, the product information, and the like corresponding to the credit examination request message transmitted in step S104. (Step S105).

Subsequently, the transmission unit 1313 of the postpaid settlement support server 1 transmits the result of the credit examination process to the seller server 2 (step S106).

Subsequently, the seller server 2 determines whether or not the result of the credit examination process is content indicating that the examination has passed (step S107). When this determination is NO (step S107; NO), the seller server 2 changes, for example, a screen for confirming the application contents for postpaid settlement (when the examination result is pending) or a payment method for the payment. The screen (when the examination result is not passed) is displayed on the display of the purchaser terminal 3 (step S108). Then, this operation is terminated.

On the other hand, in step S107, when it is determined that the result of the credit examination process has passed the examination (step S107; YES), the seller server 2, the delivery company's system, and the purchaser In between, the processing at the time of passing the examination is executed (step S109). The details of the processing at the time of passing the examination will be described later.

Subsequently, the postpaid settlement process is executed between the postpaid settlement support server 1, the seller server 2, and the purchaser (step S110). The details of this postpaid settlement process will be described later. Then, this operation is terminated. The purchaser can cancel the product for a predetermined period (hereinafter referred to as "predetermined cancelable period") after purchasing the product. The predetermined cancelable period can be appropriately set in consideration of, for example, the cooling-off period. Further, for example, when the product is a consumable item, exception provisions such as limiting the opportunity for cancellation before the product is used can be appropriately set.

Next, with reference to FIG. 5, the details of the examination passing process executed in step S109 of FIG. 4 described above will be described.

First, the seller server 2 creates a billing document to be sent to the purchaser (step S201).

Subsequently, the seller server 2 transmits a shipping instruction message with the billing documents created in step S201 to the delivery company's system (step S202).

Subsequently, the delivery company packs the product picked up from the warehouse and the billing document transmitted in step S202 based on the customer information, product information, and the like corresponding to the shipping instruction message transmitted in step S202. The work proceeds (step S203).

Subsequently, the delivery company delivers the goods and billing documents packed in step S203 to the purchaser (step S204). Then, the processing at the time of passing the examination is completed.

Here, the billing document is not limited to being delivered to the purchaser in step S204, but may be reissued and sent to the purchaser. The reissued billing documents may be sent multiple times as needed. In addition, if the purchaser does not transfer the bill after the billing documents have been delivered, a reminder letter stating the seller's designated account will be sent to the purchaser every time the prescribed reminder period elapses. May be good. In this case, the dunning letter can be treated as part of the billing document.

Next, with reference to FIG. 6, among the postpaid settlement processes executed in step S110 of FIG. 4 described above, the process of settlement by the purchaser transferring the price to the seller's designated account based on the billing documents. The procedure will be described.

First, the purchaser transfers the price to the seller's designated account based on the billing document (step S301).

Subsequently, the seller server 2 accepts the payment of the price transferred in step S301 (step S302), and generates a payment notification message for notifying the settlement business operator that the payment has been made by the purchaser. It is transmitted to the postpaid settlement support server 1 (step S303).

Subsequently, the postpaid settlement support server 1 executes a settlement completion confirmation process for confirming that the postpaid settlement has been completed, based on the payment notification message transmitted in step S303 (step S304). This settlement completion confirmation process includes, for example, a process of storing data that confirms that the postpaid settlement has been completed on the seller side in the settlement status item of the examination settlement information corresponding to the payment notification message. Then, this operation is terminated.

Next, with reference to FIG. 7, among the postpaid settlement processes executed in step S110 of FIG. 4 described above, after the seller transfers the claim to the settlement operator, the purchaser makes the settlement business based on the notification document. The procedure of the process of making a payment by transferring the price to the designated account of the person will be described.

First, the seller server 2 executes an application process for applying to the settlement business operator to transfer the claim after a predetermined period has elapsed since the purchaser purchased the product by postpaid settlement (step S401). , The application message is transmitted to the postpaid settlement support server 1 (step S402).

Subsequently, the transfer processing unit 1314 of the postpaid settlement support server 1 performs a transfer process of transferring the price to the financial institution account designated by the seller based on the order information and the like corresponding to the application message transmitted in step S402. Execute (step S403).

Subsequently, the transfer processing unit 1314 of the postpaid settlement support server 1 transmits the transfer result information generated by the transfer processing executed in step S403 to the seller server 2 (step S404).

Subsequently, the seller server 2 executes the payment application process based on the transfer result information transmitted in step S404 (step S405).

On the other hand, the document issuing unit 1315 of the postpaid settlement support server 1 that transmitted the transfer result information in step S404 notifies the purchaser based on the purchaser information and the like corresponding to the application message transmitted in step S402. A document is issued (step S406) and sent to the purchaser (step S407).

Here, the notification document includes the creditor change notification document and the reminder document as described above. The document issuing department 1315 first sends the creditor change notification document to the purchaser, and then, if the purchaser does not transfer the payment, the document issuing unit 1315 purchases the reminder document every time the predetermined reminder period elapses. It is preferable to send it to the address.

Subsequently, the purchaser transfers the price to the designated account of the settlement company based on the notification document sent in step S407 (step S408).

Subsequently, when the payment is transferred in step S408, the credit clearing processing unit 1316 of the postpaid settlement support server 1 executes the credit clearing processing for clearing the debt based on the transferred price (step). S409). The claim clearing process includes, for example, a process of storing data indicating that the claim has been collected in the settlement status item of the examination settlement information corresponding to the notification document. Then, this operation is terminated.

Next, with reference to FIG. 8, in the postpaid settlement process executed in step S110 of FIG. 4 described above, after the seller transfers the claim to the settlement business operator, the purchaser purchases the seller based on the billing documents. The procedure of the process of making a payment by transferring the price to the designated account of.

Here, the processing from step S401 to step S407 in FIG. 8 is the same as the processing from step S401 to step S407 in FIG. 7 described above. Therefore, the description of these processes will be omitted here, and the processes after step S501 will be described below.

After the notification document is sent to the purchaser in step S407, the purchaser transfers the price to the seller's designated account based on the billing document (step S501).

Subsequently, the seller server 2 accepts the payment of the price transferred in step S501 (step S502), generates a cancellation request message for requesting the settlement business operator to cancel the transferred claim, and later. It is transmitted to the payment settlement support server 1 (step S503).

Subsequently, the postpaid settlement support server 1 executes a claim cancellation process for canceling the claim based on the cancellation request message transmitted in step S503 (step S504). The claim cancellation process includes, for example, a process of storing data indicating that the claim has been canceled due to the seller receiving the payment in the settlement status item of the examination settlement information corresponding to the cancellation request message. Then, this operation is terminated.

As described above, according to the postpaid settlement system 100 according to the embodiment, the seller's receivables are handed over to the settlement business after a predetermined period of time has passed since the purchaser purchased the product by the postpaid settlement. Receive the application message to apply from the seller's system, transfer the price included in the application message to the seller's designated account, and issue a notification document to the purchaser's contact information included in the application message. Can be done. After that, when the price is transferred to the account corresponding to the issued notification document, the claim transferred from the seller is cleared based on the transferred price, and the billing document sent to the purchaser is handled. When the price is transferred to the account, the receivables transferred from the seller can be canceled.

As a result, after the seller transfers the claim to the settlement company, the purchaser not only completes the postpaid settlement by transferring the price to the designated account of the settlement company, but also describes it on the invoice received by the purchaser. Postpaid settlement can also be completed by transferring the price to the designated account of the seller.

Therefore, according to the postpaid settlement system 100 according to the embodiment, it is possible to reduce the risk of bad debt at the time of postpaid settlement.

Further, according to the postpaid settlement system 100 according to the embodiment, the credit examination process of the purchaser is executed based on the credit examination request message received from the seller server 2, and the examination result has passed the examination. If the contents are as shown, the goods and billing documents can be delivered to the purchaser. As a result, it is possible to avoid the situation where the product is delivered to the purchaser who cannot pass the credit examination, and it is possible to further reduce the risk of bad debt at the time of postpaid settlement.

Further, according to the postpaid payment system 100 according to the embodiment, the seller sends the billing document to the purchaser at least once at the timing of sending the application message for applying to transfer the seller's claim to the settlement business operator. After sending, it can be limited. As a result, while requesting the seller to make efforts to collect the receivables, the system can be operated so that only the seller who responds to the request can apply for the transfer of the receivables, so that there is a risk of bad debt at the time of postpaid settlement. It can be further reduced.

The present invention is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the gist of the present invention. For this reason, the above embodiments are merely exemplary in all respects and are not to be construed in a limited manner. For example, the above-mentioned processing steps can be arbitrarily changed in order or executed in parallel within a range that does not cause a contradiction in the processing contents.

Further, in the above-described embodiment, the case where the purchaser operates the purchaser terminal 3 to purchase the product has been described, but the mode in which the purchaser purchases the product is not limited to this. For example, the present invention can also be applied when a purchaser purchases a product by using a telephone, a fax, a postcard, or the like. In this case, for example, the content that the purchaser has informed the operator by telephone or the content that the purchaser has written on the fax paper or postcard is used as the purchase application information, and the sales server 2 executes the order processing based on the purchase application information. You can do it.

1 ... Deferred payment support server (deferred payment support device), 2 ... Seller server, 3 ... Purchaser terminal, 11 ... Processor, 12 ... Communication interface, 13 ... Storage resource, 100 ... Deferred payment system, 130 ... Program, 131 ... software module, 132 ... database, 1311 ... receiver, 1312 ... credit examination department, 1313 ... transmitter, 1314 ... transfer processing department, 1315 ... document issuing department, 1316 ... credit clearing processing department, 1317 ... credit Cancellation processing unit

Claims (8)

After a predetermined period of time has passed since the purchaser purchased the product sold by the seller by postpaid settlement, an application message requesting that the claim generated by the purchase of the product be handed over to the seller is sent. The application receiving part received from the seller's system and
A transfer processing unit that executes a process of transferring the price included in the received application message to a financial institution account designated by the seller.
The document issuing department that issues notification documents to the purchaser's contact information included in the application message,
When the price is transferred to the financial institution account corresponding to the issued notification document, the claim clearing processing unit that executes the process of clearing the claim by the transferred price, and
When the price is transferred to the financial institution account corresponding to the billing documents sent to the purchaser, the claim cancellation processing department that executes the processing to cancel the claim,
Deferred payment support device equipped with. Examination request receiving unit that receives the credit examination request message including the purchaser information about the purchaser corresponding to the order information generated when the purchaser purchases the product and the product information about the product from the system on the seller side. When,
The credit examination department that executes the credit examination process of the purchaser based on the purchaser information and the product information included in the received credit examination request message.
A transmitter that sends the result of the credit examination process to the system on the seller side,
With more
When the result of the credit examination process indicates that the examination has been passed, the goods and the billing documents are delivered to the purchaser.
The postpaid settlement support device according to claim 1. The application message is sent by the seller's system, provided that the billing documents issued by the seller have been sent to the buyer at least once.
The postpaid settlement support device according to claim 1 or 2. The beginning of the predetermined period is either when the goods are shipped to the purchaser or when the goods are delivered to the purchaser.
The postpaid settlement support device according to any one of claims 1 to 3. A postpaid payment support method executed by a processor
After a predetermined period of time has passed since the purchaser purchased the product sold by the seller by postpaid settlement, an application message requesting that the claim generated by the purchase of the product be handed over to the seller is sent. The application receiving step received from the seller's system and
A transfer processing step for executing a process of transferring the price included in the received application message to a financial institution account designated by the seller, and
A document issuance step to issue a notification document to the purchaser's contact information included in the application message,
When the price is transferred to the financial institution account corresponding to the issued notification document, the claim clearing process step of executing the process of clearing the claim with the transferred price, and
When the price is transferred to the financial institution account corresponding to the billing document sent to the purchaser, the claim cancellation processing step for executing the processing for canceling the claim and the claim cancellation processing step.
Postpaid payment support methods including. Examination request receiving step of receiving a credit examination request message including purchaser information about the purchaser corresponding to the order information generated when the purchaser purchases the product and product information about the product from the system on the seller side. When,
A credit examination step for executing the credit examination process of the purchaser based on the purchaser information and the product information included in the received credit examination request message, and
A transmission step of transmitting the result of the credit examination process to the system on the seller side, and
Including
When the result of the credit examination process indicates that the examination has been passed, the goods and the billing documents are delivered to the purchaser.
The postpaid settlement support method according to claim 5. The application message is sent by the seller's system, provided that the billing documents issued by the seller have been sent to the buyer at least once.
The postpaid settlement support method according to claim 5 or 6. The beginning of the predetermined period is either when the goods are shipped to the purchaser or when the goods are delivered to the purchaser.
The postpaid settlement support method according to any one of claims 5 to 7.