JP2020126564A - Settlement management server, settlement management method, settlement management system, and settlement management program - Google Patents

Abstract

To provide a settlement management server that can allocate a user's property to part or all of a product price by a quick and simple method in the settlement of electronic commerce.SOLUTION: A settlement management server 100 includes: a settlement method reception unit for receiving selection from a plurality of settlement methods including settlement paid by a thing indicating a settlement method in which an appraisal amount corresponding to an asset value of a thing provided by a user of a user terminal is allocated to a settlement amount of electronic commerce when an application of electronic commerce is received from the user terminal; a reception unit for receiving information on the thing when the settlement method reception unit selects the settlement paid by a thing; an appraisal unit for calculating an appraisal amount of the thing based on the information on the thing; an approval reception unit for receiving an answer of whether to approve the settlement paid by a thing at the appraisal amount; a settlement processing unit for outputting a payment amount which is an amount obtained by subtracting the appraisal amount from the settlement amount to receive settlement of the payment amount; and a transmission unit for transmitting a notification indicating settlement completion to an electronic commerce management server when the settlement is completed.SELECTED DRAWING: Figure 2

Description

The present invention relates to a payment management server, a payment management method, a payment management system, and a payment management program.

2. Description of the Related Art In recent years, with the spread of electronic commerce product sales systems such as Internet shopping, payment methods in electronic commerce have become diversified. For example, in addition to the conventional bank transfer, cash on delivery, convenience store payment, credit card, various payment methods such as electronic money and post-payment by mobile phone carriers are utilized.

Among them, the payment by credit card allows the user to adjust the payment due date even if the user does not have cash at the time of purchasing the product or if the payment cannot be made in time on the predetermined withdrawal date, It is possible to shop flexibly according to the deposit situation. Therefore, a method for improving the practicality and security of electronic commerce on the Internet using a credit card has also been developed (for example, see Patent Document 1).

However, even when paying with a credit card, if the user spends more than his/her latest income, he/she may give up purchasing the product or save it to the extent that it can be purchased and then purchase it again. It is usual to consider.

On the other hand, users often keep items they no longer use, or items they have purchased in the past but haven't used, and sell them to get money. Auctions are sometimes used. A large number of flea market and auction systems on the Internet have been proposed, and a method has been developed in which a user can put up an item and receive money by a quick and easy procedure (see, for example, Patent Document 2).

Therefore, a method is considered in which the user sells his/her own property through an internet auction and the money obtained from the sale is applied to the amount of the product purchased in the internet shopping so that the user can obtain the product without waiting for savings. To be

JP, 2011-170889, A JP, 2011-095815, A

However, in general, it takes a certain period of time for the proceeds from internet auctions to be deposited in the user's financial account, so when the user finds a product that he/she wants to purchase in internet shopping, he/she should immediately make the proceeds. Cannot be allocated. In addition, since there are few cases where the labor and procedure for listing products at the Internet auction are complicated, the use of the Internet auction may be avoided.

Therefore, the present invention provides a payment management server, a payment management method, a payment management system, and a payment management that allow a user's property to be applied to a part or all of a product price in a quick and simple method in electronic commerce payment. The purpose is to provide the program.

In order to solve the above problems, a settlement processing server according to the present invention is an electronic commerce management server that manages electronic commerce, a user terminal, and a settlement management server that manages settlement of electronic commerce connected via a network. Then, when the electronic commerce management server accepts the application for the electronic commerce from the user terminal, a settlement method in which the assessed amount according to the asset value of the object provided by the user of the user terminal is applied to the settlement amount of the electronic commerce , A payment method acceptance unit that accepts a selection from a plurality of payment methods including payment payment, and a reception unit that receives information about the product when payment payment is selected by the payment method acceptance unit, and a reception unit The appraisal unit that calculates the appraisal amount of the product based on the information of the product received by, the acceptance unit that accepts the reply whether or not to approve the payment by the appraisal amount calculated by the appraisal unit, and acceptance When the department accepts a response to the effect that the payment payment is accepted, the payment processing unit that outputs the payment amount that is the payment amount less the assessed amount and accepts the payment of the payment amount, and the payment processing unit A payment unit that sends a notification to the electronic commerce management server that the payment has been completed,
Equipped with.

According to the present invention, since the user approves the sale of the property on the settlement screen by the sale of the predetermined assessed amount, the assessed amount can be applied to the payment for the product purchase, so that the settlement of the electronic commerce can be performed quickly. And the user's possession can be applied to a part or all of the product price by a simple method.

It is a system diagram showing a configuration of a payment management system according to an embodiment of the present invention. It is a block diagram showing an example of functional composition of a settlement management server in one embodiment of the present invention. FIG. 3A is a diagram showing an example of a payment history in the present embodiment, and FIG. 3B is a diagram showing an example of assessment conditions in the present embodiment. It is a figure which shows an example of the history information in this embodiment. It is a figure which shows an example of the confirmation screen of payment in this embodiment. It is a figure which shows an example of the screen which shows the payment method selection instruction|indication in this embodiment. FIG. 7A is a diagram showing an example of an input screen for items required for assessment in the present embodiment, and FIG. 7B is a diagram showing an example of a category selection screen. FIG. 8A is a diagram showing an example of an image pickup screen of the object of the present embodiment, and FIG. 8B is a diagram showing an example of an assessment result of the present embodiment. FIG. 9A is a diagram showing an example of a settlement completion notification by payment in the present embodiment, and FIG. 9B is a diagram showing an example of a screen for requesting a difference payment in the present embodiment. It is a block diagram showing an example of functional composition of an electronic commerce management server in this embodiment. It is a sequence diagram which shows the flow of the electronic commerce process by the payment management server in this embodiment, an electronic commerce management server, and a user terminal. It is a hardware block diagram which shows an example of the computer which can implement|achieve the user terminal in this embodiment.

FIG. 1 is a system diagram showing a configuration of a payment management system according to an embodiment of the present invention. As shown in FIG. 1, the payment management system 1 includes a payment management server 100, an electronic commerce management server 200, and user terminals 300 a to 300 c, which can communicate with each other via a network 10. .. The network 10 may be wireless or wired as long as it is an IP network, and plays a role of mutually connecting the payment management server 100, the electronic commerce management server 200, and the user terminal 300. For example, it may be a wired network or a wireless network. In the following description, the user terminal 300 will be generically referred to unless otherwise specified. Further, although one user terminal 300 is illustrated in FIG. 1, a plurality of user terminals 300 may be provided.

The electronic commerce management server 200 manages electronic commerce on a product sales website that displays a product sales screen on the Internet. For example, the products are clothes, sundries, home appliances, cosmetics, and the like. In addition, the sale screen includes a photograph of a product to be sold, a product name, a description, an input screen for the number of purchased products, and the like. The electronic commerce management server 200 also manages the purchase history of the user.

The payment management server 100 manages the payment processing for product purchase when an application for product purchase is received from the user on the product sales website managed by the electronic commerce management server 200. As an example of a payment method for product purchase, when a credit card payment is selected by the customer, an input screen of the credit card card number is output to the user terminal 300 of the user, and the card number input by the user is used as the credit card. Settle by referring to the company.

The user terminal 300 operates a product purchase process on a product sales website managed by the electronic commerce management server 200 via the network 10 and inputs input information required for payment processed by the payment management server 100. It is an operation terminal that can be operated. For example, a mobile phone such as a smartphone.

FIG. 2 is a block diagram showing a functional configuration example of the payment management server 100 according to the embodiment of the present invention. As shown in FIG. 2, the payment management server 100 includes a control unit 110, a communication control unit 120, and a storage unit 130.

The storage unit 150 stores a payment information database 141 and a history information database 142. The payment information database 141 stores payment history and assessment conditions. Here, the payment history is a history related to payment of the product purchased by the user on the product sales website, and includes at least the user identification information, the payment method, and the payment amount. Further, the appraisal condition is a judgment of the appraisal amount in calculating the appraisal amount in the appraisal of the product when the product payment is selected as the settlement method in the electronic commerce managed by the electronic commerce management server 200 by the user terminal 300. It is a condition that defines the items that affect the and the ratio to be considered. Here, the term “payment by payment” refers to a payment method in which a redemption amount according to the asset value of a product provided by a user is applied to a payment amount for electronic commerce on a product sales website. The item provided by the user is a product that can be resold to a third party, and the product may be new or used. As the completed history, the user ID “u04125” which is the user identification information, “2012811” which indicates the purchase date and time of the product, the product ID “g96325” which is the product identification information, the number “1” which indicates the number of purchased products, The purchase price of the purchased product is “15000 yen”, the shipping cost of the product is “500 yen”, the total amount of the product price and shipping cost is “15500 yen”, and the payment method 1 “thing that indicates the first selected payment method “Payment”, the payment amount “5000 yen” in the payment method 1, the payment method 2 “credit card” indicating the payment method selected second, and the payment amount “10500 yen” in the payment method 2 are associated with each other.

FIG.3(b) is a figure which shows an example of the assessment conditions in this embodiment. In FIG. 3B, the item considered in the calculation of the assessment amount is associated with the description of the item and the degree of influence considered in the assessment calculation. For example, the item “brand” is associated with the description “brand, maker name” and the degree of influence “25%” considered in the calculation of the assessment. This is because the salesability of the product varies depending on the brand name and the manufacturer name of the product. Further, the item “category” is associated with the description “category of products such as men's T-shirts and ladies' shoes” and the degree of influence “25%”. This is because, for example, the demand varies depending on the product category. For example, in the case where the number of sales of ladies' clothes is high on the product sales website, the assessment amount higher than that of men's clothing is calculated in the assessment of ladies' clothing. In addition, for example, when the product is clothes, it is classified into a large category for classifying men's or ladies', a middle category such as tops, jackets, pants, and skirts, and a small category such as T-shirts and down jackets. It is possible. Further, the item “condition” is associated with the explanation “new product, condition classification of a product such as a new product that has a slight feeling of use” and the influence degree “25%”. This is based on the fact that it is easier to sell when the product is in a condition closer to a new product, and for example, the condition should be classified into three stages, such as a new product or like a new product, without scratches or stains, and with a slight feeling of use. You can Further, the item “season” is associated with the explanation “increase the amount when the category is easy to sell in the season at the time of assessment” and the influence degree “1%”. For example, if the assessment time is March, it is assumed that spring clothing will be in greater demand than winter clothing. Further, the item “user” is associated with the description “there is a history of false declaration in the past use” and the influence degree “4%”. This is because it is assumed that a user who has a false report history in the past is likely to make a false report again. Further, the item “wholesale price” is associated with the explanation “approved at a price that is easy to wholesale” and the influence degree “20%”. Here, the price that is easy to wholesale means a price that makes it easy to sell immediately after listing on the product sales website, and indicates that it is an assessed value that is lower than the ordinary used market price.

FIG. 4 is a diagram showing an example of history information in this embodiment. Here, the history information is information about the return or exchange of the product received from the electronic commerce management server 200. The history information includes the user identification information and the cumulative number of purchases of the product by the user on the product sales website. And at least the cumulative number of returns and credit information. The credit information is information indicating the degree of trust of the user on the user's product sales website. For example, the credit information indicates the number or reason of false declarations, purchases, returns, or exchanges by the user. The information is digitized accordingly. Further, the cumulative total number of returns may be the number of times only the number of times returned has been counted for the user side, and may not be the number of times returned due to the defect of the product. In FIG. 4, the user ID “u04125” indicating the user identification information, the cumulative number of purchases of the product “30”, the cumulative number of returns of the purchased product “3”, and the cumulative number of returns Is associated with the average number of times of returns “0.1” indicating a value obtained by dividing the total number of purchases by the credit count “90%” indicating the number of purchases that have not been returned. In addition to the cumulative number of returns, if there is a history of false declarations made by the user in the past, a predetermined low credit rating may be given. The false declaration may be, for example, a case where the sent product is not flawed but is claimed to be flawed.

The communication control unit 120 is an interface connected to a communication device (not shown) such as an antenna or a router connected to a communication line or a telephone line. That is, the communication control unit 120 has a function of communicating data with the electronic commerce management server 200, an external device such as the user terminal 300, or the like via a communication line.

The control unit 110 includes a reception unit 111, an assessment unit 112, a payment processing unit 113, an input/output control unit 114, and a transmission/reception unit 115. Here, the acceptance unit 111 corresponds to the settlement method acceptance unit and the acceptance acceptance unit of the present invention, and the input/output control unit 114 corresponds to the output unit of the present invention.

The input/output control unit 114 controls input/output processing of information between the payment management server 100 and external devices such as the electronic commerce management server 200 and the user terminal 300. For example, the input/output control unit 114 outputs to the user terminal 300 the information necessary for the procedure related to the payment processing on the product sales website. Further, when the accepting unit 111 accepts the selection of the payment by payment, the input/output control unit 114 outputs the applicable amount of money that can be applied by the payment by payment for payment in the payment amount in the electronic commerce transaction. Here, the applicable amount of money is an upper limit amount that can be settled by goods payment in settlement of goods, and is an amount predetermined by the settlement management server 100. For example, the upper limit of the applicable amount of money may be set equal to the amount of money of the product, or may be set to 50% of the amount of money of the product. The appropriable amount of money may have a different upper limit depending on the category of the product and the amount of the product.

When the electronic commerce management server 200 receives an application for electronic commerce from the user terminal 300, the reception unit 111 selects from the user terminal 300 a payment method to be used in the current electronic commerce from a plurality of payment methods. Accept. In addition, the accepting unit 111 accepts an answer as to whether or not to approve the payment by the exchange amount assessed by the assessing unit 112 described later.

The transmission/reception unit 115 transmits/receives various data to/from the electronic commerce management server 200 and external devices such as the user terminal 300 via the communication control unit 120. For example, the transmitting/receiving unit 115 receives the history information from the electronic commerce management server 200, the information indicating the selection of the payment method from the user terminal 300, or the object to be provided by the user when the payment method is selected as the payment method. Receive information about Naruto. Here, the product information is information about a product provided by a user for the purpose of cashing in order to appropriate the product price, and the product information includes a category as a product of the product, an image, a condition, It includes information about the season in which the item is used.

The valuation unit 112 calculates the valuation amount of the item based on the information of the item received from the user terminal 300 via the transmission/reception unit 115. Specifically, the valuation unit 112 calculates the valuation amount based on the image of the product, the items included in the valuation conditions, the price of the other product, the purchase date, the popularity of the product sales website, and the like. As an example, when a predetermined divisor is set in advance in accordance with the number of years elapsed from the purchase date at the time of assessment (for example, 0.7 if the number of years elapsed is 1 year or less, and 0 if the number of years elapsed is 2 years or less). The value may be 6 or the like.), and the valuation unit 112 may calculate a value obtained by dividing the list price of the object by a predetermined value as the valuation amount. It should be noted that a predetermined index may be given as the degree of popularity on the product sales website based on the number of past sales and the number of product reviews.

Further, the assessing unit 112 receives history information corresponding to the user ID of the user of the user terminal 300 who has applied for the electronic commerce from the electronic commerce management server 200, and the predetermined credit information of the user included in the received history information. It may be possible to evaluate the thing in consideration of. For example, the storage unit 130 is conditioned to add a predetermined amount (for example, 1000 yen) to a user identified by a user ID associated with a value with a credit degree of 90% or more indicated by the credit information. If the table is stored, the appraisal unit 112 may calculate an amount obtained by adding a predetermined amount according to the condition as the assessed amount.

Further, the valuation unit 112 may receive the history information from the electronic commerce management server 200 and increase the valuation amount according to the number of transactions included in the history information corresponding to the user ID of the user of the user terminal 300. For example, if there is an assessment condition that a predetermined amount (1000 yen) is increased when there are transactions a predetermined number of times or more (for example, 50 times or more) within a predetermined period (such as one year). The valuation unit 112 can calculate the valuation amount according to the valuation conditions.

In addition, the assessment unit 112 outputs the calculated assessment amount to the user terminal 300 via the input/output control unit 114, and receives a notification of acceptance of the assessment amount from the user terminal 300. When the valuation unit 112 receives a notification of acceptance of the valuation amount from the user terminal 300, the valuation unit 112 determines that the payment transaction has been completed with the valuation amount, and when it receives the notification of the disapproval, calculates the valuation amount again. Or determine that the payment transaction is unsuccessful.

The payment processing unit 113 processes the payment of the purchase request for the product transmitted from the user terminal 300 to the electronic commerce management server 200. Specifically, the payment processing unit 113 outputs a payment amount confirmation screen to the user terminal 300 via the input/output control unit 114. FIG. 5 is a diagram showing an example of a settlement confirmation screen in the present embodiment. As shown in FIG. 5, on the screen 310 of the user terminal 300, the purchase item “salad plate”, the quantity “1” indicating the number of purchases, the product price “¥14,500”, and the product delivery destination designated by the user are displayed. A shipping fee “¥500” indicating the delivery fee and a total “¥15,000” indicating the total amount of the product amount and the shipping fee are displayed.

Further, the payment processing unit 113 transmits a payment method selection instruction to the user terminal 300 that has transmitted the product purchase application via the transmission/reception unit 115. Here, the payment method selection instruction is an instruction that prompts the user to select a payment method that can be selected by the user in the commercial transaction of the product for which the purchase application has been made. At least output information of the display screen is included. For example, there are payment methods such as credit card payment, goods payment, cash on delivery, and bank transfer. FIG. 6 is a diagram showing an example of a screen showing a payment method selection instruction in the present embodiment. In FIG. 6, four selection items of credit card, payment of goods, bank transfer, and payment of electronic money are displayed, showing that payment of goods is selected by the user terminal 300.

When the user terminal 300 selects payment as a payment method, the payment processing unit 113 outputs, to the user terminal 300, a screen that prompts the user to input items required for assessment via the input/output control unit 114. FIG. 7A is a diagram showing an example of an input screen for items required for assessment in the present embodiment. As shown in FIG. 7A, on the screen 310 of the user terminal 300, display information that can be selected and input for items of brand, category, and condition is displayed, and the user terminal 300 selects these items. When is finished, the display information that prompts the operation of photographing the object is output by pressing the icon "To photograph the object". FIG. 7B is a diagram showing an example of a category selection screen. In FIG. 7B, any one of tops, jackets/outers, pants, skirts, dresses, and bags can be selected and displayed as a category.

Further, FIG. 8A is a diagram showing an example of an image pickup screen of the object of the present embodiment. In FIG. 8A, a T-shirt is displayed as a product, and a double circle icon is displayed at the bottom of the user terminal 300. The double circle icon is a shutter operation icon, and when the user presses the double circle icon, the image of the T-shirt displayed on the screen 310 can be captured.

Moreover, FIG.8(b) is a figure which shows an example of the assessment result of this embodiment. When the user terminal 300 completes the operation input of FIG. 6 to FIG. 8A, the settlement processing unit 113 can input the appraisal amount calculated by the appraisal unit 112 and selection of whether or not to agree with the appraisal amount. Output screen is output. In FIG. 8B, an assessment amount “¥5,000” is shown as the assessment result, an input icon “Agree to the amount” to agree to the assessment amount, and an icon “Cancel” to not agree to the assessment amount. It is displayed. It should be noted that when the icon "I agree with the amount of money" is pressed and input by the user terminal 300, the icon "Cancel" indicating that the assessment has been completed with the amount of assessment and the user does not agree with the amount of assessment. When is input by pressing, the assessment amount is presented again, or a notification indicating that the assessment has not been established is displayed on the user terminal 300.

Further, FIG. 9A is a diagram showing an example of a payment completion notification by payment in the present embodiment. In FIG. 9A, when the user terminal 300 receives a notification that the user agrees to the assessed amount, a message “payment is completed” is displayed on the screen 310 of the user terminal 300. Further, FIG. 9B is a diagram showing an example of a screen for requesting the difference payment in the present embodiment. For example, in the transaction shown in FIG. 5 in which the price of the product is “15,500 yen”, if the payment of the assessed amount “¥5,000” shown in FIG. The difference payment remains. Therefore, in Fig. 9(b), the difference "¥10,500", the message "please pay the difference" indicating the request for additional payment, and "credit" showing the payment methods that can be selected. "Card, bank transfer, electronic money payment" are displayed as selectable.

Further, when the settlement processing unit 113 determines that the settlement by the user terminal 300 is completed, the settlement processing unit 113 transmits a settlement completion notification to the electronic commerce management server 200 via the transmission/reception unit 115. Here, the payment completion notification is a notification indicating that the payment processing of the product has been completed.

Next, the functional configuration of the electronic commerce management server 200 will be described. FIG. 10 is a block diagram showing an example of the functional configuration of the electronic commerce management server 200 in this embodiment. As shown in FIG. 10, the electronic commerce management server 200 includes a control unit 210, a communication control unit 220, and a storage unit 230. Note that the same functional configuration as that of the payment management server 100 is assigned the same reference numeral, and description thereof is omitted.

The communication control unit 220 is an interface connected to a communication device (not shown) such as an antenna or a router connected to a communication line or a telephone line. That is, the communication control unit 220 has a function of communicating data with the payment management server 100, an external device such as the home appliance 400, and the like via a communication line.

The storage unit 230 stores a transaction information database 231 and a history information database 142. Transaction information is stored in the transaction information database 231. Here, the transaction information stores company information of a supplier who is a seller or manufacturer of a product posted on the product sales website, user information of a customer, and the like. Here, the company information is information about a company of a business partner, and includes a company name, a place of residence, a telephone number, a sales person in charge, and the like. Further, the user information is information regarding a user who is a customer, and includes a name, an address, a telephone number, a mail address, a date of birth, and the like.

The communication control unit 220 is an interface connected to a communication device (not shown) such as an antenna or a router connected to a communication line or a telephone line. That is, the communication control unit 220 has a function of communicating data with the payment management server 100, an external device such as the user terminal 300, and the like via a communication line.

The control unit 210 includes a reception unit 211, a transaction management unit 212, a payment management unit 213, an input/output control unit 214, and a transmission/reception unit 215.

The transmission/reception unit 215 transmits/receives various data to/from the payment management server 100 and external devices such as the user terminal 300 via the communication control unit 220. For example, the transmission/reception unit 215 receives a payment completion notification from the payment management server 100, or receives a product purchase application from the user terminal 300.

The accepting unit 211 accepts a product purchase application from the user terminal 300. Specifically, the user ID, the type of the product to be purchased, the input of the number of products, and the like are received from the screen showing the product page of the product sales website managed by the electronic commerce management server 200.

The transaction management unit 212 manages transaction information and history information when the acceptance unit 211 accepts a purchase request for a product. For example, when the user of the user terminal 300 who has transmitted the product purchase application is a user who has no transaction history in the past, the transaction management unit 212 displays the user registration application screen via the input/output control unit 214. It is transmitted to the terminal 300. The transaction management unit 212 stores, in the transaction information database 231, user information required for user registration application received from the user terminal 300. Further, when the transaction management unit 212 receives the settlement completion notification from the settlement management server 100, the transaction management unit 212 stores the history of the transaction in the history information database 142.

The payment management unit 213 transmits a payment processing request to the payment management server 100 via the transmission/reception unit 215 when the product purchase application is received by the reception unit 211. Here, the payment processing request is a request for payment processing in the purchase application received from the user terminal 300, and the payment processing request includes the product price, shipping fee, IP address of the user terminal 300, transaction number, and the like. included.

The input/output control unit 214 controls information input/output processing with external devices such as the payment management server 100, the electronic commerce management server 200, and the user terminal 300. For example, the input/output control unit 214 outputs to the user terminal 300 an input screen of information necessary for applying for purchase of a product.

Next, electronic commerce processing by the payment management server 100, the electronic commerce management server 200, and the user terminal 300 will be described. FIG. 11 is a sequence diagram showing a flow of electronic commerce processing by the payment management server 100, the electronic commerce management server 200, and the user terminal 300 in the present embodiment.

The user terminal 300 accesses from the product sales website managed by the electronic commerce management server 200, and sends a product purchase application to the electronic commerce management server 200 (step S1). The electronic commerce management server 200 requests the payment management server 100 to execute a payment process for the product purchase application received in step S1 (step S2).

The payment management server 100 transmits a payment method selection instruction to the user terminal 300 (step S3). Specifically, the payment method selection instruction includes output information on the display screen of the payment method that can be selected by the user terminal 300. The user terminal 300 transmits the payment method selection from the payment methods included in the payment method selection instruction received in step S3 to the payment management server 100 (step S4).

The payment management server 100 outputs the display information of the item payment procedure screen to the user terminal 300 (step S5). The user terminal 300 inputs information in the input items according to the display information on the procedure screen for payment of goods received in step S5, and transmits an assessment application to the payment management server 100 (step S6).

The payment management server 100 assesses the item based on the input items included in the assessment application received from the user terminal 300 in step S6 (step S7). The payment management server 100 transmits the assessment result in step S7 to the user terminal 300 (step S8). When the user approves the assessment result received in step S8, the user terminal 300 transmits a consent notice for the assessment result to the settlement management server 100 (step S9).

When the settlement management server 100 receives the consent notification from the user terminal 300 in step S9, the settlement management server 100 performs the settlement process based on the assessment result (step S10). The payment management server 100 transmits a payment completion notification to the electronic commerce management server 200 (step S11). When the electronic commerce management server 200 determines in step S11 that the settlement completion notification has been received, the electronic commerce management server 200 transmits information regarding product shipment to the user terminal 300 (step S12).

FIG. 12 is a hardware configuration diagram showing an example of a computer 20 that can realize the payment management server 100 in the present embodiment. As shown in FIG. 12, the computer 20 includes a CPU (Central Processing Unit) 21, a RAM (Random Access Memory) 22, a ROM (Read Only Memory) 23, an HDD (Hard Disk Drive) 24, and a communication interface (I/F). 25, an input/output interface (I/F) 26, and a media interface (I/F) 27.

The CPU 21 operates according to a program stored in the ROM 23 or the HDD 24 to control each unit. The ROM 23 stores a boot program executed by the CPU 21 when the computer 20 is started up, a program dependent on the hardware of the computer 20, and the like.

The HDD 24 stores programs executed by the CPU 21, data used by the programs, and the like. The communication interface 25 sends the data received from the external device via the communication line to the CPU 21, and transmits the data generated by the CPU 21 to the external device via the communication line.

The CPU 21 controls output devices such as a display and a printer and input devices such as a keyboard and a mouse through the input/output interface 26. The CPU 21 acquires data from the input device via the input/output interface 26. The CPU 21 also outputs the generated data to the output device via the input/output interface 26.

The media interface 27 reads a program or data stored in the storage medium 28 and provides the program or data to the CPU 21 via the RAM 22. The CPU 21 loads the program from the storage medium 28 onto the RAM 22 via the media interface 27, and executes the loaded program. The storage medium 28 is, for example, an optical storage medium such as a DVD (Digital Versatile Disc), a magnetic storage medium, or a semiconductor memory.

When the computer 20 functions as the payment management server 100 in this embodiment, the CPU 21 of the computer 20 executes the program loaded on the RAM 22 to receive the accepting unit 111, the assessing unit 112, the payment processing unit 113, and the input/output. Each function of the control unit 114 and the transmission/reception unit 115 is realized. The HDD 24 also stores the data in the payment information database 141 and the history information database 142.

The payment processing program is an installable or executable file in a computer-readable storage medium such as a CD-ROM, a CD-R, a memory card, a DVD (Digital Versatile Disk), and a flexible disk (FD). It is stored and provided. The CPU 21 of the computer 20 reads these programs from the above storage medium via the media interface 27 and executes them, but as another example, even if these programs are acquired from an external device via a communication line. Good.

Note that the payment processing program includes, for example, script languages such as ActionScript, JavaScript (registered trademark), Python, and Ruby, C language, compiler languages such as C++, C#, Objective-C, Swift, and Java (registered trademark). Can be implemented using

As described above, according to the payment management system 1 of the present embodiment, the user approves the sale of the property by the predetermined assessment amount on the payment screen of the user terminal 300, thereby paying the assessment amount for product purchase. Can be applied to all or part of the price of merchandise in a quick and simple method in the settlement of electronic commerce.

1 Payment Management System 100 Payment Management Server 110 Control Section 111 Acceptance Section 112 Assessment Section 113 Payment Processing Section 114 Output Section 115 Input/Output Control Section 116 Transmitter/Receiver 120 Storage Section 141 Payment Information Database 142 History Information Database 200 Electronic Commerce Management Server 300 User Terminal

Claims (8)

An electronic commerce management server for managing electronic commerce, a user terminal, and a settlement management server for managing settlement of the electronic commerce connected via a network,
When the electronic commerce management server accepts an application for the electronic commerce from the user terminal, an appraisal amount corresponding to the asset value of the object provided by the user of the user terminal is applied to the settlement amount of the electronic commerce. A payment method acceptance unit that accepts a selection from a plurality of payment methods including a payment method indicating a payment method to be performed,
A receiving unit that receives information on the object when the payment method payment unit is selected by the payment method receiving unit;
An appraisal unit that calculates an appraised amount of the product based on the information of the product received by the receiving unit;
An acceptance unit that accepts an answer as to whether or not to approve the payment by the assessment amount calculated by the assessment unit;
A payment processing unit that outputs a payment amount that is the amount obtained by subtracting the assessed amount from the payment amount and accepts the payment of the payment amount when a response to the effect that the payment acceptance is accepted by the acceptance receiving unit When,
A transmitting unit that transmits a notification that the payment is completed to the electronic commerce management server when the payment by the payment processing unit is completed;
A payment management server comprising: The assessment unit receives, from the electronic commerce management server, history information of the electronic commerce used by a user of a user terminal who has applied for the electronic commerce, and determines a predetermined credit degree of the user included in the received history information. Calculating the appraisal value of the product in consideration of the credit information shown,
The payment management server according to claim 1. An output unit that outputs the applicable amount that can be applied by the payment payment among the payment amounts in the electronic commerce when the selection of the payment payment is accepted by the payment method reception unit,
The payment management server according to claim 1, further comprising: The valuation unit receives history information including the number of transactions used by the user of the user terminal from the electronic commerce management server, and determines a pre-assessment amount according to the number of transactions included in the received history information. ,
The payment management server according to claim 2. The receiving unit receives information on an item including information indicating a season in which the item is used when the item payment settlement is selected by the payment method receiving unit,
The valuation unit calculates the valuation amount of the product in consideration of information indicating the season included in the information of the product received by the receiving unit and the season at the time of valuation,
The payment management server according to any one of claims 1 to 4. An electronic commerce management server for managing electronic commerce, a user terminal, and a payment management method in a payment management server for managing payment of the electronic commerce connected via a network,
When the electronic commerce management server accepts an application for the electronic commerce from the user terminal, an appraisal amount corresponding to the asset value of the object provided by the user of the user terminal is applied to the settlement amount of the electronic commerce. A payment method acceptance step for accepting a selection from a plurality of payment methods including a payment method indicating a payment method to be performed,
A receiving step of receiving information of the article when the article payment settlement is selected in the settlement method receiving step,
An assessment step of calculating an assessment amount of the article based on the information of the article received by the receiving step,
An acceptance step for accepting an answer as to whether or not to approve the payment for payment by the assessed amount calculated in the assessing step,
A payment process that outputs a payment amount that is the amount obtained by subtracting the assessed amount from the payment amount and accepts payment of the payment amount when a response to the effect that the payment payment is accepted is received in the acceptance step. Steps,
A transmission step of transmitting a notification that the payment is completed to the electronic commerce management server when the payment by the payment processing step is completed,
A payment management method comprising: An electronic commerce management server for managing electronic commerce, a user terminal, and a settlement management server for managing settlement of the electronic commerce connected via a network,
When the electronic commerce management server accepts an application for the electronic commerce from the user terminal, an appraisal amount corresponding to the asset value of the object provided by the user of the user terminal is applied to the settlement amount of the electronic commerce. A payment method acceptance function that accepts a selection from a plurality of payment methods including a payment method indicating a payment method to be performed,
A receiving function for receiving information of the item when the item payment settlement is selected by the settlement method acceptance function,
An appraisal function for calculating an appraised amount of the product based on the information of the product received by the receiving function,
A consent acceptance function for accepting an answer as to whether or not to approve the payment for payment by the assessment amount calculated by the assessment function,
A payment process that outputs a payment amount, which is the amount obtained by subtracting the assessed amount from the payment amount, when the reply to the effect that the payment payment is accepted is accepted by the acceptance function, and accepts the payment amount. Function,
A transmission function for transmitting a notification that the payment is completed to the electronic commerce management server when the payment by the payment processing function is completed,
A payment management program that realizes A payment management system including an electronic commerce management server for managing electronic commerce, a user terminal, and a payment management server for managing payment of the electronic commerce,
The payment management server,
When the electronic commerce management server accepts an application for the electronic commerce from the user terminal, an appraisal amount corresponding to the asset value of the object provided by the user of the user terminal is applied to the settlement amount of the electronic commerce. A payment method acceptance unit that accepts a selection from a plurality of payment methods including a payment method indicating a payment method to be performed,
A receiving unit that receives information on the object when the payment method payment unit is selected by the payment method receiving unit;
An appraisal unit that calculates an appraised amount of the product based on the information of the product received by the receiving unit;
An acceptance unit that accepts an answer as to whether or not to approve the payment by the assessment amount calculated by the assessment unit;
When the consent acceptance unit accepts a reply to the effect that the payment settlement is accepted, a payment amount that is the amount obtained by subtracting the assessed amount from the payment amount is output, and a payment process for accepting the payment of the payment amount. Department,
A transmitting unit that transmits a notification that the payment is completed to the electronic commerce management server when the payment by the payment processing unit is completed;
A payment management system comprising:

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