JP2020098491A - Order settlement device, computer program, and order settlement method - Google Patents

Abstract

To provide an order settlement device, a computer program, and an order settlement method, capable of enhancing convenience of users by simplifying order settlements.SOLUTION: An order settlement device comprises: an identification information acquisition section for acquiring user identification information including a telephone number from a terminal device of a user having accessed an online store; an order data acquisition section for acquiring order data of the user; an authentication information acquisition section for acquiring authentication information authenticated using the acquired telephone number from the terminal device; and a determination section for determining the appropriateness of the order settlement for the user using the acquired order data.SELECTED DRAWING: Figure 1

Description

The present invention relates to an order settlement device, a computer program, and an order settlement method.

Along with the development of security technology including Internet technology and encryption technology, the number of users of online shopping using personal computers and smartphones is increasing. For example, Patent Document 1 discloses an online shopping system using an authentication number that cannot be used once.

JP, 2006-302311, A

However, in the online shopping system as disclosed in Patent Document 1, the payment for the purchase price is often settled by using a credit card or cash on delivery. Therefore, there is an inconvenience that a user who does not have a credit card cannot perform online shopping. Further, it is necessary to stay at home for cash on delivery, which is inconvenient for the user.

The present invention has been made in view of such circumstances, and an object of the present invention is to provide an order settlement apparatus, a computer program, and an order settlement method that can simplify order settlement and improve user convenience. ..

An order settlement apparatus according to an embodiment of the present invention includes an identification information acquisition unit that acquires user identification information including a telephone number from a terminal device of a user who accesses an online store, and an order data acquisition unit that acquires order data of the user. Section, an authentication information acquisition section that acquires from the terminal device authentication information that has been authenticated using the telephone number acquired by the identification information acquisition section, and the order data acquired by the order data acquisition section And a determination unit that determines whether order settlement is possible.

A computer program according to an embodiment of the present invention causes a computer to acquire user identification information including a telephone number from a terminal device of a user who has accessed an online store, a process to acquire the user's order data, and an acquisition process. The process of acquiring the authentication information, which is authenticated by using the telephone number, from the terminal device, and the process of determining whether or not the order settlement of the user is possible using the acquired order data.

An order settlement method according to an embodiment of the present invention obtains user identification information including a telephone number from a terminal device of a user who has accessed an online store, obtains order data of the user, and uses the obtained telephone number. Authentication information that has been authenticated by the user is acquired from the terminal device, and whether the order settlement of the user is possible or not is determined using the acquired order data.

According to the present invention, order settlement can be simplified and user convenience can be improved.

It is a block diagram which shows an example of a structure of the order settlement system of this Embodiment. It is explanatory drawing which shows the 1st example of the process of the order settlement system of this Embodiment. It is a schematic diagram which shows the 1st example of the input screen displayed on the display screen of a terminal device. It is a schematic diagram which shows the 2nd example of the input screen displayed on the display screen of a terminal device. It is a schematic diagram which shows an example of the payment determination result screen displayed on the display screen of a terminal device. It is explanatory drawing which shows an example of the content of order data. It is explanatory drawing which shows the 1st example of the determination method of the propriety of order settlement. It is explanatory drawing which shows the 2nd example of the determination method of the propriety of order settlement. It is explanatory drawing which shows the 3rd example of the determination method of the propriety of order settlement. It is a schematic diagram which shows an example of a structure of a learning model. It is explanatory drawing which shows the 4th example of the determination method of the propriety of order settlement. It is explanatory drawing which shows the 2nd example of the process of the order settlement system of this Embodiment. It is a flow chart which shows an example of the processing procedure in a terminal unit. It is a flow chart which shows an example of a processing procedure in an order settlement server.

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing an example of the configuration of the order settlement system according to the present embodiment. The order settlement system includes an order settlement server 50 as an order settlement device. The order settlement server 50 is connected to the network 1 including the Internet. The examination engine server 40 is connected to the order settlement server 50. The examination engine server 40 includes a learning model 41 and a telephone number verification unit 42. Further, a user's terminal device 10, a web server 20, and a company server 30 are connected to the network 1. Note that, in the example of FIG. 1, only one terminal device 10 is illustrated for convenience, but the number of terminal devices 10 is not limited to one.

The terminal device 10 includes, for example, a smartphone (mobile phone), a notebook personal computer, a tablet, and the like. The terminal device 10 includes a control unit 11, a communication unit 12, a storage unit 13, a display screen 14, and an operation unit 15 that control the entire device. The control unit 11 can be composed of a CPU, a ROM, a RAM, and the like. The control unit 11 also has an interface function with the business entity server 30.

The communication unit 12 has a function of communicating with the web server 20, the order settlement server 50, and the company server 30 via the network 1, and can transmit and receive required information.

The storage unit 13 is configured by a hard disk, a flash memory, or the like, and holds an application program (not shown) such as a web browser.

The display screen 14 can be configured by a liquid crystal panel, an organic EL (Electro Luminescence) display, or the like. The operation unit 15 can be configured by, for example, a touch panel incorporated in the display screen 14, and can accept a predetermined operation performed by the user on the display screen 14. Further, the operation unit 15 can receive the operation on the keyboard displayed on the display screen 14. The operation unit 15 may be a hardware keyboard, a mouse, or the like.

The web server 20 provides an online store (website) prepared by a business operator (for example, a product seller) who operates the business server 30. In the example of FIG. 1, products a, products b,... Are displayed in the online store A (virtual store on the web page). The user can use the terminal device 10 to access the online store and purchase the product.

The business entity server 30 has an order management function, and is capable of, for example, storing order history and shipping products.

The order settlement server 50 includes a control unit 51 that controls the entire server, a communication unit 52, a storage unit 53, a determination unit 54, and a settlement execution unit 55. The control unit 51 can be composed of a CPU, a ROM, a RAM, and the like.

The communication unit 52 has a function of communicating with the terminal device 10, the web server 20, and the business server 30 via the network 1, and can transmit and receive required information.

The communication unit 52 has a function as an identification information acquisition unit, and acquires the user identification information including the telephone number from the terminal device 10 of the user who has accessed the online store of the web server 20. The user identification information can be a user's email address in addition to a telephone number (eg, mobile phone number).

The communication unit 52 has a function as an authentication information acquisition unit and acquires from the terminal device 10 an authentication code (authentication information) authenticated using the user's telephone number. For example, the user can be authenticated by transmitting the authentication code to the mobile phone of the user and transmitting the transmitted authentication code from the terminal device 10. In this case, the user does not need to register the credit card in advance or input the information of the credit card, and the convenience of the user can be improved. In addition, the user does not need to use a password, and an authentication code is issued each time the user uses it, so that convenience can be improved without losing safety.

The communication unit 52 has a function as an order data acquisition unit, and acquires user order data after acquiring user identification information. The order data can include not only the current order data but also past order data (order history data) of the user. The current order data can be acquired from the web server 20. The order history data can be extracted, for example, based on the account information or the like of the user's online store, and can be acquired from the business entity server 30, for example. The order data allows verification of the status of the user's order.

More specifically, the exchange of information between the order settlement server 50 and the terminal device 10 that has accessed the online store can be performed as follows. That is, a payment application that operates on the payment page of the online store prepared by the business operator is installed in advance. The user can transmit required information to the order settlement server 50 according to an operation on the online store performed by the user via the terminal device 10. When the order settlement server 50 transmits required information to the settlement application, the information is output or displayed on the terminal device 10.

The determination unit 54 determines whether or not the user can settle the order using the acquired order data. For example, it is possible to determine that order settlement is possible if there is no problem with the payment status of the user based on the status of the user's order. Further, if there is an unpaid status, it can be determined that the order settlement is impossible. As a result, the user can complete the order settlement simply by inputting the telephone number (mobile phone number), the mail address, and the authentication code, so that the convenience of the user can be improved. Details of the method of determining whether or not order settlement is possible will be described later.

The storage unit 53 is composed of a hard disk, a flash memory, or the like, and holds a computer program that defines the processing procedure of the order settlement server 50 and an order history DB 531.

The payment execution unit 55 performs payment processing and billing processing for the amount of the order. Details of the payment process and the billing process will be described later.

FIG. 2 is an explanatory diagram showing a first example of the process of the order settlement system according to the present embodiment. The first example shows a case of normal (one-time) settlement. Hereinafter, the processes P1 to P13 will be described.

In process P1, the user uses the terminal device 10 to access the online store, decides a product to purchase, and starts settlement.

In the process P2, the input screen of the telephone number and the email address is displayed on the display screen 14 of the terminal device 10. When the user inputs the telephone number and the email address, the terminal device 10 inputs the input telephone number and the email address. get.

In the process P3, the terminal device 10 transmits the input telephone number and mail address to the order settlement server 50.

In process P4, the order settlement server 50 acquires order data.

In process P5, the order settlement server 50 acquires the order history data of the user. Here, the order data is the data of the current order and the order history data is the past order data, but the order history data may be included in the order data.

In process P6, the order settlement server 50 transmits the authentication code to the terminal device 10 via SMS (Short Message Service). In the example of FIG. 2, the authentication code is transmitted to the terminal device 10, but it may be transmitted to a mobile phone different from the terminal device 10.

In the process P7, the authentication code input screen is displayed on the display screen 14 of the terminal device 10, and when the user inputs the authentication code, the terminal device 10 acquires the input authentication code.

In process P8, the terminal device 10 transmits the input authentication code to the order settlement server 50.

In process P9, the order settlement server 50 determines whether the order settlement is possible based on the order data (including the order history data).

In the process P10, when it is determined that the order settlement is possible, the order settlement server 50 transmits the settlement data to the business entity server 30.

In process P11, the business entity server 30 completes the payment after the product shipping process is performed, and in the process P12, the business entity server 30 transmits a payment completion notification to the order settlement server 50. As a result, the order settlement server 50 replaces the amount of the user's order (order amount) and pays it to the business operator.

In process P13, the order settlement server 50 collectively bills the order amount of the user for a predetermined period (for example, one month) (one billing).

FIG. 3 is a schematic diagram showing a first example of the input screen 100 displayed on the display screen 14 of the terminal device 10. On the input screen 100, an area 101 for displaying a product the user has decided to purchase, an area 102 for inputting a telephone number, an area 103 for inputting a mail address, a payment icon 104, etc. are displayed. The input screen 100 is displayed by the user deciding a product to purchase and performing a payment start operation on a screen (not shown). In the area 101, the store name (online store A in the example in the figure) where the user purchased the product, the product name, the price, etc. are displayed. When the user operates the payment icon 104 after inputting his/her telephone number and e-mail address, an input screen 110 described later is displayed.

FIG. 4 is a schematic diagram showing a second example of the input screen 110 displayed on the display screen 14 of the terminal device 10. On the input screen 110, an area 111 for inputting an authentication code is displayed in addition to the area 101. The authentication code is sent via SMS to the mobile phone (which may be the terminal device 10) of the telephone number (in the example of the figure, XXX) input on the input screen 100.

FIG. 5 is a schematic diagram showing an example of the payment determination result screen 120 displayed on the display screen 14 of the terminal device 10. When the order settlement server 50 determines that the order settlement is possible based on the user's order data, the settlement determination result screen 120 is displayed. As a result, the user can complete the order settlement simply by inputting the telephone number (mobile phone number), the mail address, and the authentication code, so that the convenience for the user can be improved. The screens shown in FIGS. 3 to 5 are examples, and the screens are not limited to these screens.

Next, a method of determining whether or not order settlement is possible based on order data will be described. First, order data will be described.

FIG. 6 is an explanatory diagram showing an example of the contents of order data. As shown in FIG. 6, the order data includes the store name of the online store, current order information, user information, the user's address (the delivery address of the product), and history information. This order information includes the product ID, the number of products, the product name, and the unit price of the product. The user information includes a name, a telephone number and a mail address. Historical information includes the number of days since the account was created in the store, the total number of orders since the opening of the transaction, the total number of orders since the opening of the transaction, the amount of the last order, and the number of days since the last order. .. Order data as shown in FIG. 6 can be recorded in the order history DB 531 for each user. The order data allows verification of the status of the user's order. The content of the order data is not limited to the example of FIG.

Next, a method of determining whether or not order settlement is possible using the user's telephone number will be described.

The determination unit 54 outputs the user's telephone number included in the order data to the examination engine server 40. The telephone number verification unit 42 of the examination engine server 40 includes a telephone number usage history database, searches the usage history database, and identifies the usage history of the telephone number output from the order settlement server 50. The telephone number verification unit 42 outputs the specified usage history to the order settlement server 50.

The determination unit 54 has a function as a usage history acquisition unit, and acquires the usage history of the user's telephone number included in the order data from the examination engine server 40. The usage history of the telephone number includes, for example, an elapsed period from the start of using the telephone number, the number of times of use, and the like. For obtaining the usage history, for example, a usage history database of telephone numbers can be used.

The determination unit 54 can determine whether or not the user can settle the order based on the usage history of the telephone number.

FIG. 7 is an explanatory diagram showing a first example of a method for determining whether or not order settlement is possible. As shown in FIG. 7, for example, when the usage period (elapsed period from the start of use) of the telephone number is 6 months or more, it is possible to determine that the order settlement is possible regardless of the amount of the order this time. Further, when the usage period of the telephone number is 3 months or more (less than 6 months), it can be determined that order settlement is possible if the amount of the current order is less than 10,000 yen. Further, when the usage period of the telephone number is one month or more (less than three months), it is possible to determine that the order settlement is possible if the amount of the current order is less than 5,000 yen. If the usage period of the telephone number is less than one month, it can be determined that the order settlement is impossible. The example of FIG. 7 is an example, and the period and the amount of money are not limited to the example of FIG. 7.

As mentioned above, if the elapsed time from the start of use is short, or if the phone number has not been used even once, it is considered that there is a high possibility of unauthorized use or impersonation, and it is determined that order settlement is not possible. You can As a result, it is possible to appropriately determine whether the order settlement is possible while improving the convenience of the user.

Next, a method of determining whether or not order settlement is possible using the user's address will be described.

The determination unit 54 can determine whether or not the user's order settlement is possible based on the presence or absence of the user's address or the transition of the address.

FIG. 8 is an explanatory diagram showing a second example of the method for determining whether or not order settlement is possible. As shown in FIG. 8, for example, when the situation of the address of the user does not actually exist, it is possible to determine that the order settlement is impossible. Further, if the status of the user's address has been changed twice in the past 6 months, it can be determined that order settlement is not possible. If the status of the user's address has not changed for the past year or more, it can be determined that order settlement is possible. The example of FIG. 8 is an example, and the invention is not limited to the example of FIG.

As described above, if the user's address is a non-existent address (however, the delivery address does exist), it can be determined that the order cannot be settled because the user has low creditworthiness. Further, even when the user's address is changed in a relatively short period of time, it can be determined that the order cannot be settled, because the creditworthiness of the user is low. As a result, it is possible to appropriately determine whether the order settlement is possible while improving the convenience of the user.

Next, a method of determining whether or not order settlement is possible using the unpaid information of the user will be described.

The determination unit 54 can determine whether the user can settle the order based on the unpaid information regarding the order.

FIG. 9 is an explanatory diagram showing a third example of the method for determining whether or not order settlement is possible. As shown in FIG. 9, for example, when the unpaid amount is 0 yen, it can be determined that the order settlement is possible. If the unpaid amount is less than 3,000 yen and the number of unpaid days (the number of days from the due date) is less than 2 months, it is determined that the order can be settled and the number of unpaid days is 2 months or more. If so, it can be determined that order settlement is impossible. If the unpaid amount is 3,000 yen or more and less than 5,000 yen and the number of unpaid days is less than one month, it is determined that order settlement is possible, and if the number of unpaid days is one month or more, It can be determined that order settlement is not possible. If the unpaid amount is 5,000 yen or more, it can be determined that the order settlement is impossible. Note that the example of FIG. 9 is an example, and the period and the amount of money are not limited to the example of FIG. 9.

As described above, when the unpaid order has not occurred, it can be determined that the order can be settled, since the creditworthiness of the user is high. In addition, when unpaid for an order has occurred, it is possible to determine whether or not order settlement is possible according to the unpaid amount and the unpaid period. As a result, it is possible to appropriately determine whether the order settlement is possible while improving the convenience of the user.

Next, a method of determining whether or not order settlement is possible using the learning model 41 will be described.

The determination unit 54 has a function as an input unit, and inputs the user's order data to the learning model 41 learned based on the order data. As the learning model 41, for example, a multilayer neural network (deep learning) can be used, but other machine learning may be used. The learning model 41 is, for example, a learned learning model in which the order data and the reliability of the order corresponding to the order data (the reliability of the user) are learned as teacher data.

The determination unit 54 can determine whether or not the user can settle the order based on the output of the learning model 41. By using the learning model 41 learned from a large number of order data, it is possible to accurately determine whether or not order settlement is possible.

FIG. 10 is a schematic diagram showing an example of the configuration of the learning model 41. As shown in FIG. 10, it is composed of an input layer, an output layer and a plurality of intermediate layers. Although two intermediate layers are shown in FIG. 10 for convenience, the number of intermediate layers is not limited to two, and may be three or more.

One or a plurality of nodes (neurons) exist in the input layer, the output layer, and the intermediate layer, and the nodes in each layer are connected to the nodes existing in the preceding and succeeding layers in one direction with a desired weight. A vector having the same number of components as the number of nodes in the input layer is given as the input data of the learning model 41. The input data can be, for example, order data including the number of days elapsed since the account was created, the total number of orders, the total amount of orders, the price of the last order, the number of days elapsed since the last order, and the like. Data such as the number of days elapsed since the account was created, the total number of orders, the total amount of orders, the price of the last order, and the number of days elapsed since the last order can be vectorized and input to each node in the input layer.

When the data given to each node of the input layer is input to the first hidden layer and given, the output of the hidden layer is calculated using the weight and the activation function, and the calculated value is passed to the next hidden layer. It is given to the subsequent layers (lower layers) one after another until the output of the output layer is obtained in the same manner. Note that all the weights that connect the nodes are calculated by the learning algorithm.

The output layer of the learning model 41 outputs the credibility as output data, for example. The output data may be vector format data having components having the same size as the number of nodes in the output layer (size of the output layer). The nodes of the output layer can be classified, for example, such that the creditworthiness of the user's order (or the user himself) is 100%, 90%, 80%,..., 50%. The output value from the output layer can be interpreted as the probability of the credibility classified into each category. For example, out of the nodes having the credibility of 100%, 90%, 80%,..., 50%, the credibility of the node having the highest probability or the node having the probability of not less than the threshold value may be set as the output value of the learning model 41. it can. Moreover, the numerical value of the credibility is not limited to the example of FIG. 10, and may be output at 5% intervals, for example, and may be output in the range of 0% to 100%. Further, the output data from the output layer is not limited to the creditworthiness, but may be the probability of being unpaid.

The learning model 41 can learn the input data and the output data as shown in FIG. 10 as teacher data.

The learning model 41 is, for example, a hardware such as a CPU (for example, a multi-processor including a plurality of processor cores), a GPU (Graphics Processing Units), a DSP (Digital Signal Processors), and an FPGA (Field-Programmable Gate Arrays). Can be configured by combining. It is also possible to combine quantum processors. The learning model 41 is not limited to the neural network model and may be another machine learning model.

FIG. 11 is an explanatory diagram showing a fourth example of the method for determining whether or not order settlement is possible. As shown in FIG. 11, when the output value of the learning model 41 is 100% in credit, it can be determined that order settlement is possible. If the output value of the learning model 41 is 90% in credit, and if the amount of the current order is less than 10,000 yen, it can be determined that the order settlement is possible. Although not shown, in the case where the output value of the learning model 41 is 90% credibility, it is possible to determine that the order settlement is impossible if the amount of the current order is 10,000 yen or more. Further, when the output value of the learning model 41 is 80% in creditworthiness, it is possible to determine that order settlement is possible if the amount of the current order is less than 5,000 yen. If the output value of the learning model 41 is 70% or less in credit, it can be determined that order settlement is impossible. It should be noted that the numerical value (90% or the like) indicating the credibility is an example, and the value is not limited to these values.

As described above, the determination unit 54 can determine whether or not the user can settle the order based on the credit level output by the learning model 41. For example, if the credit level is 100%, it can be determined that order settlement is possible. Further, if the credit level is 80% or more, it is possible to determine whether or not order settlement is possible according to the amount of the order. If the credit level is 70% or less, it can be determined that the order settlement is impossible. As a result, it is possible to accurately determine whether the order settlement is possible while improving the convenience for the user.

The credibility output by the learning model 41 is not limited to the relative value (80%, 90%, 100%) as described above, and may be a score (absolute value) such as 550 points or 600 points. .. For example, if the maximum credit score is 1,000 and the credit score output by the learning model 41 is 900 or more, it can be determined that order settlement is possible. Further, when the credit level output by the learning model 41 is less than 900 points and 700 points or more, if the current order amount is less than 10,000 yen, it can be determined that order settlement is possible. Further, when the credit level output by the learning model 41 is less than 700 points and 550 points or more, if the current order amount is less than 5,000 yen, it can be determined that order settlement is possible. If the credit level output by the learning model 41 is less than 550 points, it can be determined that the order settlement is impossible. The score is an example, and the score is not limited to these values.

Further, when the learning model 41 outputs the unpaid probability as the output value, it is possible to determine whether or not order settlement is possible as follows. That is, the determination unit 54 can determine whether or not the user can settle the order based on the unpaid probability output by the learning model 41. For example, if the unpaid probability is 0%, it can be determined that the order settlement is possible. If the unpaid probability is less than 30%, it is possible to determine whether the order settlement is possible or not depending on the amount of the order. If the unpaid probability is 30% or more, it can be determined that order settlement is impossible. As a result, it is possible to accurately determine whether the order settlement is possible while improving the convenience for the user.

The settlement execution unit 55 has a function as a payment unit, and when the determination unit 54 determines that the user's order settlement is possible, the order amount of the user in the online store is reset and the online store side (that is, The business server 30, the business operating the online store, or the seller).

The payment execution unit 55 also has a function as a billing unit, and the total amount of the user's order amount within a predetermined period is on the user side (for example, the mobile phone or the information processing device used by the terminal device 10 or other users). Charge to. The predetermined period may be one month, for example. As a result, even if the user places an order multiple times within a predetermined period, the user is not charged for each order, but is charged once for each predetermined period. , It has the merit of not paying fees for each purchase.

Next, a case where a regular purchase (for example, a certain product is regularly purchased) will be described.

FIG. 12 is an explanatory diagram showing a second example of the process of the order settlement system of the present embodiment. The second example shows a case of payment for regular purchase. The processes P21 to P38 will be described below.

In process P21, the user uses the terminal device 10 to access the online store, decides a product to be purchased, and starts settlement of regular purchase.

Hereinafter, the processes P22 to P28 are the same as the processes P2 to P8 illustrated in FIG.

In process P29, the order settlement server 50 generates regular purchase identification information. The regular purchase identification information is user identification information (information for identifying a user's account for each business operator) for making a payment by the order settlement server 50.

In process P30, the order settlement server 50 determines whether order settlement is possible based on the order data (including order history data).

In the process P31, when it is determined that the order settlement is possible, the order settlement server 50 transmits the settlement data and the regular purchase identification information to the business entity server 30.

In process P32, the business entity server 30 completes the payment after the product shipping process is performed, and in the process P33, the business entity server 30 transmits a payment completion notification to the order settlement server 50. As a result, the order settlement server 50 replaces the amount of the user's order (order amount) and pays it to the business operator.

In process P34, the order settlement server 50 collectively bills the order amount of the user for a predetermined period (for example, one month) (one billing).

In process P35, the terminal device 10 transmits the next regular purchase order to the order settlement server 50.

In process P36, the settlement data is transmitted to the business entity server 30 by using the regular purchase identification information of the user.

In process P37, the business entity server 30 completes the payment after the product shipping process is performed, and in the process P38, the business entity server 30 transmits a payment completion notification to the order settlement server 50. As a result, the order settlement server 50 replaces the amount of the user's order (order amount) and pays it to the business operator.

In process P39, the order settlement server 50 collectively bills the order amount of the user for a predetermined period (for example, one month) (one billing). After that, the processes P34 to P38 are similarly repeated.

In the above example, the second and subsequent regular purchases can be performed without performing the process P35. That is, the payment processing date for the second time and thereafter, the shipping date of the product, and the like may be set in advance, and when the date comes, the processes P36 to P38 may be performed.

The payment execution unit 55 has a function as a generation unit and generates purchase identification information for regular purchase at the online store after user authentication (more specifically, before order settlement approval/disapproval determination).

When the payment execution unit 55 receives the user's regular purchase order, the payment execution unit 55 resets the user's order amount based on the generated purchase identification information and pays it to the online store side. The payment execution unit 55 charges the user the total amount of the user's order amount within a predetermined period. By using the purchase identification information, it is possible to make a continuous charge for the user's order, and the user can make a regular purchase.

FIG. 13 is a flowchart showing an example of a processing procedure in the terminal device 10. Hereinafter, for convenience, the main body of processing will be described as the control unit 11. The control unit 11 accesses the online store (S11) and determines the purchased product according to the user's operation (S12). The control unit 11 starts the settlement of the order according to the user's operation (S13).

The control unit 11 accepts the telephone number and email address entered by the user (S14), and transmits the accepted telephone number and email address to the order settlement server 50 (S15). When the user looks at the authentication code sent to the mobile phone (may be the terminal device 10) via SMS and inputs the authentication code to the terminal device 10, the control unit 11 accepts the input authentication code (S16). ), and transmits the accepted authentication code to the order settlement server 50 (S17).

The control unit 11 receives the settlement determination result from the order settlement server 50 (S18) and determines whether settlement is possible (S19). If the payment is possible (YES in S19), the control unit 11 determines whether or not the purchase of another product has been accepted (S20), and if the purchase of another product has been accepted (YES in S20), step S12. The subsequent processing is continued.

When the purchase of another product is not accepted (NO in S20), the control unit 11 ends the process. When payment is not possible (NO in S19), the control unit 11 notifies that payment is impossible (S21), and ends the process.

FIG. 14 is a flowchart showing an example of a processing procedure in the order settlement server 50. Hereinafter, for convenience, the main body of processing will be described as the control unit 51. The control unit 51 determines whether the payment is started (S31), and when the payment is not started (NO in S31), the process of step S31 is continued. When the payment is started (YES in S31), the control unit 51 receives the telephone number and the mail address from the terminal device 10 (S32) and acquires the order data of the user (S33).

The control unit 51 transmits the authentication code via SMS (S34). The control unit 51 determines whether or not the authentication code is received from the terminal device 10 (S35), and if the authentication code is received (YES in S35), the received authentication code matches the transmitted authentication code. When collated, whether the settlement is possible or not is determined using the order data of the user (S36).

When it is determined that payment is possible (YES in S37), the control unit 51 sends a payment approval notification to the terminal device 10 (S38), and sends payment data related to the order to the business entity server 30 (S39). The control unit 51 determines whether or not the settlement completion notification has been received from the business entity server 30 (S40), and when the settlement completion notification has not been received (NO in S40), the process of step S40 is continued.

When the settlement completion notification is received (YES in S40), the control unit 51 collectively requests the total amount of orders of the user for a predetermined period (S41), and ends the process. When the authentication code is not received (NO in S35) or when it is determined that payment is not possible (NO in S37), the control unit 51 transmits a payment impossible notification to the terminal device 10 (S42), and ends the process. ..

The order settlement server 50 can also be realized using a computer equipped with a CPU (processor), RAM, and the like. By loading a computer program (recordable on a recording medium) defining a processing procedure as shown in FIG. 14 into a RAM provided in the computer and executing the computer program by a CPU (processor), order settlement is performed on the computer. The server 50 can be realized.

As described above, according to the present embodiment, the user only needs to input the telephone number and the e-mail address to complete the settlement of the order in the online store. Therefore, even if the user does not have a credit card, online shopping is possible. It can be carried out. Further, since the labor of registering a credit card and inputting credit card information can be reduced, the convenience of the user is improved. In addition, there are no security concerns when using a credit card. In addition, the user does not need to use a password, and an authentication code is issued each time the user uses it, so that convenience can be improved without losing safety.

Further, according to the present embodiment, since there is no need for a payment method such as cash on delivery, it is not necessary to wait at the arrival of the product and stay at home, which improves the convenience of the user.

Further, according to the present embodiment, no matter how many times a product is purchased in a predetermined period (for example, one month), payment is not made each time, and the purchase price may be paid only once in a predetermined period. Therefore, for example, a fee is not paid every time a product is purchased. As a result, the user can obtain the advantage that there is no need to pay unnecessary costs.

Further, according to the present embodiment, after the user purchases the product, the settlement is completed and the business receives the purchase price at the time of the capture process performed when the business (member store) inventory is finalized and shipped. Therefore, there is no risk of cancellation due to cash on delivery, for example.

An order settlement apparatus according to this embodiment includes an identification information acquisition unit that acquires user identification information including a telephone number from a terminal device of a user who has accessed an online store, and an order data acquisition unit that acquires order data of the user. An order settlement of the user using an authentication information acquisition unit that acquires authentication information authenticated by using the telephone number acquired by the identification information acquisition unit from the terminal device, and order data acquired by the order data acquisition unit And a determination unit that determines whether or not

The computer program according to the present embodiment causes a computer to obtain user identification information including a telephone number from a terminal device of a user who has accessed an online store, a process to obtain order data of the user, and an obtained telephone call. A process of acquiring the authentication information authenticated by using the number from the terminal device and a process of determining whether the order settlement of the user is possible by using the acquired order data are executed.

The order settlement method according to the present embodiment obtains user identification information including a telephone number from a terminal device of a user who has accessed an online store, obtains order data of the user, and authenticates using the obtained telephone number. The acquired authentication information is acquired from the terminal device, and it is determined whether the order settlement of the user is possible or not using the acquired order data.

The identification information acquisition unit acquires the user identification information including the telephone number from the terminal device of the user who has accessed the online store. The user identification information can be a user's email address in addition to a telephone number (eg, mobile phone number). The terminal device may be a smartphone, a personal computer or a tablet.

The order data acquisition unit acquires user order data. The order data can include not only the current order data but also past order data (order history data) of the user. The order history data can be extracted based on, for example, account information of the user's online store. The order data allows verification of the status of the user's order.

The authentication information acquisition unit acquires, from the terminal device, the authentication information authenticated using the acquired telephone number. For example, it is possible to authenticate the user by transmitting the authentication information to the mobile phone of the user and transmitting the transmitted authentication information from the terminal device. In this case, the user does not need to register the credit card in advance or input the information of the credit card, and the convenience of the user can be improved.

The determination unit determines whether or not the user can settle the order using the acquired order data. For example, it is possible to determine that order settlement is possible if there is no problem with the payment status of the user based on the status of the user's order. Further, if there is an unpaid status, it can be determined that the order settlement is impossible. As a result, the user can complete the order settlement only by inputting the user identification information and the authentication information, so that the convenience of the user can be improved.

In the order payment device according to the present embodiment, the order data acquisition unit acquires the address of the user included in the order data, and the determination unit is based on the presence or absence of the address of the user or the transition of the address. Whether or not the user can settle the order is determined.

The order data acquisition unit acquires the address of the user included in the order data. The determination unit determines whether or not the user can settle the order based on the presence or absence of the address of the user or the transition of the address. For example, if the user's address is a non-existent address (however, the delivery address does exist), it can be determined that the order cannot be settled, assuming that the user has low creditworthiness. Further, even when the user's address is changed in a relatively short period of time, it can be determined that the order cannot be settled, because the creditworthiness of the user is low. As a result, it is possible to appropriately determine whether the order settlement is possible while improving the convenience of the user.

In the order settlement apparatus according to the present embodiment, the determination unit determines whether or not the user can make an order settlement based on unpaid information for the order.

The determination unit determines whether the user can settle the order based on the unpaid information for the order. For example, when the unpaid order has not occurred, it can be determined that the order is settled because the user has high creditworthiness. In addition, when an unpaid order has occurred, it is possible to determine whether or not order settlement is possible according to the unpaid amount and the unpaid period. As a result, it is possible to appropriately determine whether the order settlement is possible while improving the convenience of the user.

The order settlement apparatus according to the present embodiment includes a usage history acquisition unit that acquires a usage history of the telephone number of the user included in the order data, and the determination unit is based on the usage history of the telephone number. It is determined whether the user can settle the order.

The usage history acquisition unit acquires the usage history of the user's telephone number included in the order data. The usage history of the telephone number includes, for example, an elapsed period from the start of using the telephone number, the number of times of use, and the like. For obtaining the usage history, for example, a usage history database of telephone numbers can be used.

The determination unit determines whether or not the user can settle the order based on the usage history of the telephone number. For example, when the elapsed period from the start of use is short, it is considered that there is a high possibility of illegal use, spoofing, etc. of a telephone number that has never been used, and it is possible to determine that order settlement is impossible. As a result, it is possible to appropriately determine whether the order settlement is possible while improving the convenience of the user.

The order settlement apparatus according to the present embodiment is provided with an input unit for inputting the order data to a learning model learned based on order data, and the determination unit makes an order for the user based on the output of the learning model. Determine whether payment is possible.

The input unit inputs the user's order data to a learning model learned based on the order data. As the learning model, for example, a multilayer neural network (deep learning) can be used, but other machine learning may be used. The learning model is, for example, a learned learning model in which order data and the reliability of the order corresponding to the order data (reliability of the user) are learned as teacher data.

The determination unit determines whether or not the user can settle the order based on the output of the learning model. By using a learning model learned from a large number of order data, it is possible to accurately determine whether or not order settlement is possible.

In the order settlement apparatus according to the present embodiment, the determination unit determines whether or not the user can perform order settlement based on the unpaid probability output by the learning model.

The determination unit determines whether the user can settle the order based on the unpaid probability output by the learning model. For example, if the unpaid probability is 0%, it can be determined that the order settlement is possible. If the unpaid probability is less than 30%, it is possible to determine whether the order settlement is possible or not depending on the amount of the order. If the unpaid probability is 30% or more, it can be determined that order settlement is impossible. As a result, it is possible to accurately determine whether the order settlement is possible while improving the convenience for the user.

In the order settlement device according to the present embodiment, the determination unit determines whether or not the user can perform order settlement based on the credit level output by the learning model.

The determination unit determines whether or not the user can make an order settlement based on the credit level output by the learning model. For example, if the credit level is 100%, it can be determined that order settlement is possible. Further, if the credit level is 80% or more, it is possible to determine whether or not order settlement is possible according to the amount of the order. If the credit level is 70% or less, it can be determined that the order settlement is impossible. As a result, it is possible to accurately determine whether the order settlement is possible while improving the convenience for the user.

If the order settlement apparatus according to the present embodiment determines that the order settlement of the user is possible in the determination unit, the order payment of the user in the online store is reset and the payment is paid to the online store side. And a billing unit that charges the user side the total amount of the user's order amount within a predetermined period.

When the determination unit determines that the user's order settlement is possible, the payment unit resets the user's order amount in the online store and pays it to the online store side. The billing unit bills the user for the total amount of the user's order amount within a predetermined period. The predetermined period may be one month, for example. As a result, even if the user makes an order multiple times within a predetermined period, the user is not billed each time an order is made, but is billed once for each predetermined period. There is an advantage that payment of fees etc. does not occur.

In the order payment device according to the present embodiment, when the determination unit determines that the order payment for the user's regular purchase is possible, a generation unit that generates purchase identification information for regular purchase at the online store. And, when the user's regular purchase order is accepted, the payment unit that resets the order amount of the user based on the purchase identification information generated by the generation unit and pays to the online store, and the order amount of the user And a billing unit that bills the total amount within the predetermined period to the user side.

When the determination unit determines that the order settlement for the user's regular purchase is possible, the generation unit generates purchase identification information for regular purchase at the online store.

When the payment unit receives the user's regular purchase order, the payment unit resets the user's order amount based on the purchase identification information generated by the generation unit and pays it to the online store side. The billing unit bills the user for the total amount of the user's order amount within a predetermined period. By using the purchase identification information, it is possible to make a continuous charge for the user's order, and the user can make a regular purchase.

1 network 10 terminal device 11 control unit 12 communication unit 13 storage unit 14 display screen 15 operation unit 20 web server 30 business server 40 examination engine server 41 learning model 42 telephone number verification unit 50 order settlement server 51 control unit 52 communication unit 53 Storage unit 531 Order history DB
54 Judgment Section 55 Payment Execution Section

Claims (11)

An identification information acquisition unit for acquiring user identification information including a telephone number from a terminal device of a user who has accessed the online store,
An order data acquisition unit for acquiring the order data of the user,
An authentication information acquisition unit that acquires authentication information authenticated by using the telephone number acquired by the identification information acquisition unit, from the terminal device;
An order settlement apparatus, which uses the order data acquired by the order data acquisition unit to determine whether or not the user can make an order settlement. The order data acquisition unit,
Obtaining the address of the user included in the order data,
The determination unit,
The order settlement apparatus according to claim 1, wherein it is determined whether the order settlement of the user is possible or not based on the presence or absence of the address of the user or the transition of the address. The determination unit,
The order settlement apparatus according to claim 1 or 2, wherein it is determined whether or not the order settlement by the user is possible based on unpaid information for the order. A usage history acquisition unit for acquiring a usage history of the user's telephone number included in the order data,
The determination unit,
The order settlement apparatus according to any one of claims 1 to 3, wherein it is determined whether or not the user can make an order settlement based on a usage history of the telephone number. A learning model learned based on order data is provided with an input unit for inputting the order data,
The determination unit,
The order settlement apparatus according to any one of claims 1 to 4, wherein it is determined whether or not the user can make an order settlement based on the output of the learning model. The determination unit,
The order settlement apparatus according to claim 5, wherein it is determined whether the order settlement of the user is possible or not based on an unpaid probability output by the learning model. The determination unit,
The order settlement apparatus according to claim 5 or 6, wherein it is determined whether the order settlement of the user is possible or not based on the credibility output by the learning model. When the determination unit determines that the order settlement of the user is possible, a payment unit that resets the order amount of the user in the online store and pays to the online store side,
The order settlement apparatus according to any one of claims 1 to 7, further comprising: a billing unit that bills the total amount of the user's order amount within a predetermined period to the user side. A generation unit that generates purchase identification information for regular purchase at the online store when the determination unit determines that the order settlement for the user's regular purchase is possible.
When accepting an order for the user's regular purchase, a payment unit that resets the order amount of the user based on the purchase identification information generated by the generation unit and pays to the online store side,
The order settlement apparatus according to any one of claims 1 to 7, further comprising: a billing unit that bills the total amount of the user's order amount within a predetermined period to the user side. On the computer,
A process of acquiring user identification information including a telephone number from a terminal device of a user who has accessed the online store;
A process of obtaining the order data of the user,
A process of acquiring authentication information authenticated using the acquired telephone number from the terminal device;
A computer program that executes processing for determining whether or not the user can settle orders using the acquired order data. Obtain the user identification information including the telephone number from the terminal device of the user who has accessed the online store,
Obtaining the order data of the user,
Acquiring authentication information authenticated using the acquired telephone number from the terminal device,
An order settlement method for determining whether or not the user can make an order settlement using the acquired order data.

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