JP2021124860A - Program, information processing method, and information processing apparatus - Google Patents

Abstract

To provide an information processing method, a program, and an information processing apparatus, capable of realizing a mechanism that can repay debt of an exhibition user by profits in an electronic commerce platform.SOLUTION: An information processing method executed by an information processing apparatus containing one or a plurality of processors, makes the one or the plurality of processors execute the steps of: acquiring debt information related to debt of a user who uses an electronic commerce platform; acquiring profit information related to profits in the electronic commerce platform of the user; and performing repayment processing of the debt by using the debit information and the profit information.SELECTED DRAWING: Figure 6

Description

The present disclosure relates to programs, information processing methods, and information processing devices.

In recent years, electronic commerce and electronic payments between individuals using the Internet and communication lines have been carried out. On the other hand, there is known a system in which profits obtained from electronic commerce can be used in a linked electronic payment service.

JP 2001-202469

By the way, in recent years, electronic payment processing has become widespread, and users have more opportunities to use electronic payment processing at each store. As one aspect of the payment processing system, there is a certain demand for a service that allows the payment price to be paid in a lump sum in the next month.

Patent Document 1 discloses a system that allows a user who sells a product to quickly obtain money corresponding to the value of the product. , Debts such as deferred payments) are desired.

It is an object of the present disclosure to provide a program, an information processing method, and an information processing device capable of realizing a mechanism capable of repayment of a seller's debt by revenue on an electronic commerce platform.

The information processing method according to the embodiment of the present disclosure is an information processing method executed by an information processing apparatus including one or more processors, and the debt of the user who uses the electronic commerce platform by the one or more processors. The process of acquiring the debt information related to the debt information, the process of acquiring the profit information related to the user's profit on the electronic commerce platform, and the process of repayment of the debt using the debt information and the profit information are executed.

An example of the configuration of the repayment processing system according to one embodiment, an example of the hardware configuration of the server according to the disclosure, an example of the hardware configuration of the terminal according to the present disclosure, and the configuration of the repayment processing system according to the embodiment are shown. It is a figure which shows an example of a block diagram. It is a figure explaining the hardware configuration of the server 110B which concerns on one aspect of an embodiment. It is a figure which shows an example of the user management data stored in the memory of the server 110 which concerns on embodiment. It is a figure which shows an example of the transaction management data stored in the memory of the server 110 which concerns on embodiment. It is a figure which shows an example of the debt management data stored in the memory of the server 110B which concerns on embodiment. It is a figure which shows an example of the processing sequence of the repayment processing system 1 which concerns on embodiment. It is a figure which shows an example of the processing sequence of the repayment processing system 1 which concerns on 1st Example. It is a figure which shows an example of the processing sequence of the repayment processing system 1 which concerns on 2nd Example. It is a figure which shows an example of the processing sequence of the repayment processing system 1 which concerns on 3rd Example.

<Legal compliance>
The disclosures described herein are made in compliance with the laws and regulations of each country implementing this disclosure. In addition, the disclosures described herein are made with all modifications, substitutions, modifications, alterations, or amendments that can be made by those skilled in the art necessary to comply with national legislation.

The program, information processing method, and mode for implementing the information processing apparatus according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 discloses the configuration of the repayment processing system 1 according to the embodiment of the present disclosure. In the repayment processing system 1, the server 110A and the server 110B are connected to the terminal 120A, the terminal 120B, and the terminal 120C via the network 130.

When it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively. The number of servers 110 connected to the network 130 is not limited.

When it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively. The number of terminals 120 connected to the network 130 is not limited.

When it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be referred to as an information processing device 200, respectively. The number of information processing devices 200 connected to the network 130 is not limited.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service is not limited, and includes, for example, a payment service, a financial service, an electronic commerce service, an SNS (Social Networking Service) represented by an instant messaging service, a content providing service such as music, video, and books. The server 110 may independently provide one or more predetermined services, or a plurality of servers 110 may provide one or more predetermined services. When the server 110 provides a predetermined service to one or more terminals 120, the user can use the predetermined service via the terminal 120.

Payment services include services that allow one or more users to give and receive money or monetary equivalents. The payment service is not limited, but as an example, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (Hereafter, one-dimensional code and two-dimensional code are collectively referred to as "two-dimensional code, etc." ”), Near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) Includes payment services. In addition, the fact that the terminal 120 of the user (payer) who pays the price makes a payment by reading a two-dimensional code or the like is expressed as "user-readable code payment" or "MPM (Merchant Presented Mode)" and payment is made. The terminal 120 of the user who performs the payment displays the two-dimensional code or the like, and the terminal 120 of the user (seller, claimant) such as the store who charges the price reads the displayed two-dimensional code or the like to make a payment. This is expressed as "store-reading code payment" or "CPM (Consumer Presented Mode)". The MPM and CPM may be dynamic or static.

If necessary, the terminal used by the user X is expressed as the terminal 120X, and the information associated with the user X or the terminal 120X and associated with the user in a predetermined service is expressed as the user information X. The user information is not limited but, as an example, input by the user or given by a predetermined service, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's hobby. Includes information associated with the user, such as preferences and user identifiers, electronic value (electronic money) balance information associated with the user, credit card information associated with the user (credit card number, etc.), etc. Can be done.

The network 130 connects two or more servers 110 or two or more terminals 120. The network 130 provides a connection route so that data can be transmitted and received after the terminal 120 connects to the server 110.

One or more parts of the network 130 may be a wired network or a wireless network. The network 130 is not limited to, for example, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), and a wireless network. LAN (Wireless LAN: WLAN), Wide Area Network (WAN), Wireless WAN (Wireless WAN: WWAN), Metropolitan Area Network (MAN), Part of the Internet, Public Exchange Telephone Network (Public) Switched Telephone Network: Part of PSTN, mobile network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite It may be communication or the like, and these may be combined. The network 130 can include one or more networks 130.

The server 110 and the terminal 120 may be any information processing device as long as it can realize the functions and methods described in the present disclosure.

The servers 110, terminals 120, and 150 are not limited, but are examples of smartphones, mobile phones (feature phones), computers (not limited, examples such as desktops, laptops, tablets, etc.), server devices, media computer platforms (limited). Not limited to, for example, cables, satellite set top boxes, digital video recorders, etc.), handheld computer devices (not limited to, for example, PDAs (Personal Digital Assistants), e-mail clients, etc.), wearable terminals (not limited to, as an example). It may be a glasses-type device, a clock-type device, etc.), another type of computer, a communication platform, or the like, and these may be combined.

<Hardware configuration of each information processing device>
(1) Server Hardware Configuration The hardware configuration of the server 110A included in the repayment processing system 1 will be described with reference to FIG.

The server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transmission / reception unit 117. Each component of the hardware of the server 110 is connected to each other via bus B, for example, without limitation.

The server 110 realizes the processing, function, or method described in the present disclosure in cooperation with the processor 111, the memory 112, the storage 113, the input / output I / F 114, and the transmission / reception unit 117.

The processor 111 executes a process, a function, or a method realized by a code or an instruction contained in a program stored in the storage 113. The processor 111 is not limited to, for example, one or more central processing units (CPUs), MPUs (Micro Processing Units), GPUs (Graphics Processing Units), microprocessors (microprocessors), processor cores, and multiprocessors. (Multiprocessor), ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc. Each process, function, or method disclosed in each embodiment may be realized by a wear) or a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like depending on the degree of integration.

The memory 112 temporarily stores the program 1121 loaded from the storage 113 and provides a work area for the processor 111. Various data generated while the processor 111 is executing the program are also temporarily stored in the memory 112. The memory 112 is not limited, and may be, for example, a RAM (Random Access Memory), a ROM (Read Only Memory), or the like, and these may be combined.

The storage 113 stores programs, modules, and various data. The storage 113 is not limited, and may be, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, or the like, and these may be combined.

The input / output I / F 114 is connected to an input device 115 for inputting various operations to the server 110 and an output device 116 for outputting the processing result processed by the server 110.

The input device 115 is realized by any or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the processor 111 via the input / output I / F 114. The input device is not limited to, for example, a hardware key such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input by voice), and the like. Often, these may be combined.

The output device 116 is realized by any or a combination of all kinds of devices capable of outputting the processing result processed by the processor 111 via the input / output I / F 114. When the processing result is output as a video or moving image, the output device 116 is realized by any or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. Will be done. The output device 116 includes a touch panel, a touch display, a monitor (not limited to an example, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM), and a projection mapping. It may be a device capable of displaying an image, text information, or the like in a hologram, air (may be a vacuum), a speaker (audio output), a printer, or the like, and these may be combined. Note that these output devices may be capable of displaying display data in 3D.

The input device 115 and the output device 116 may be integrated, or the input device 115 and the output device 116 may be separated.

The transmission / reception unit 117 transmits / receives various data via the network 130. The communication may be executed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The transmission / reception unit 117 has a function of executing communication with another information processing device via the network 130. The transmission / reception unit 117 transmits various data to other information processing devices according to instructions from the processor 111. Further, the transmission / reception unit 117 receives various data transmitted from other information processing devices and transmits the various data to the processor 111.

(2) Hardware Configuration of Terminal 120 The hardware configuration of the terminal 120 included in the repayment processing system 1 will be described with reference to FIG.

The terminal 120 includes a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, and a transmission / reception unit 127. Each component of the hardware of the terminal 120 is connected to each other via bus B, for example, without limitation.

The terminal 120 is the process described in the present disclosure in cooperation with the processor 121, the memory 122, the storage 123, the input / output I / F 124, the input device 125, the output device 126, and the transmission / reception unit 127. Realize the function or method.

The processor 121 executes a process, a function, or a method realized by a code or an instruction contained in a program stored in the storage 123. The processor 121 is not limited to, for example, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), a microprocessor (microprocessor), a processor core (processor core), a multiprocessor (multiprocessor), and the like. Including ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., logic circuits (hardware) formed in integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc. and dedicated The circuits may implement their respective processes, functions, or methods disclosed in each embodiment. Further, these circuits may be realized by one or a plurality of integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like depending on the degree of integration.

The memory 122 temporarily stores the program 1221 loaded from the storage 123 and provides a work area to the processor 121. Various data generated while the processor 121 is executing the program 1221 are also temporarily stored in the memory 122. The memory 122 is not limited, and may be, for example, a RAM (Random Access Memory), a ROM (Read Only Memory), or the like, and these may be combined.

The storage 123 stores programs and various data. The storage 123 is not limited, and may be, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, or the like, and these may be combined.

The input / output I / F 124 is connected to an input device 125 for inputting various operations to the terminal 120 and an output device 126 for outputting the processing result processed by the terminal 120.

The input device 125 is realized by any one or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the processor 121. The input device is not limited to, for example, a hardware key such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input by voice), and the like. Often, these may be combined.

The output device 126 is realized by any or a combination of all kinds of devices capable of outputting the processing result processed by the processor 121. When the processing result is output as a video or moving image, the output device is realized by any or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. NS. Output devices include touch panels, touch displays, monitors (not limited to examples, liquid crystal displays, OELD (Organic Electroluminescence Display), etc.), head-mounted displays (HDMs), projection mapping, holograms. , A device capable of displaying an image, text information, or the like in the air (which may be a vacuum), a speaker (audio output), a printer, or the like, and these may be combined. Note that these output devices may be capable of displaying display data in 3D.

The input device 125 and the output device 126 may be integrated, or the input device 125 and the output device 126 may be separated.

The transmission / reception unit 127 transmits / receives various data via the network 130. The communication may be executed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The transmission / reception unit 127 has a function of executing communication with another information processing device via the network 130. The transmission / reception unit 127 transmits various data to other information processing devices according to instructions from the processor 121. Further, the transmission / reception unit 127 receives various data transmitted from other information processing devices and transmits the various data to the processor 121.

(3) Others Cloud computing composed of one or more information processing devices may realize at least a part of processing, functions, or methods in the server 110 or the terminal 120.

Other information processing devices may implement at least some of the processes, functions, or methods on the server 110 or terminal 120. In this case, the processor of another information processing device may realize at least a part of the processes realized by the processor 111 or the processor 121.

The program that executes the processing of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program in a "non-temporary tangible medium". The program is not limited, and may be a software program, a computer program, or the like as an example.

The storage medium is one or more semiconductor-based or other integrated circuits (ICs) (not limited to, for example, field programmable gate arrays (FPGAs), application-specific ICs (ASICs), etc.), hard disks. Disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), optical magnetic disk, optical magnetic drive, floppy diskette, floppy disk drive (FDD), magnetic tape, solid It may be a drive (SSD), a RAM drive, a secure digital card or drive, any other suitable storage medium, etc., and these may be combined. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

Further, the program of the present disclosure may be provided to the server 110 or the terminal 120 via an arbitrary transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program.

Each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

The program of the present disclosure may be implemented using, for example, JavaScript (registered trademark), a script language such as Python, C language, Go language, Swift, Kotlin, Java (registered trademark), or the like. ..

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

The present disclosure includes all modifications, substitutions, modifications, modifications, or modifications made by those skilled in the art to the present disclosure. Also, the appended claims include all modifications, substitutions, modifications, modifications, or modifications that can be made by those skilled in the art with respect to the claims. Further, the present disclosure includes any combination of one or more features of an embodiment or example in the present disclosure that can be made by one of ordinary skill in the art and one or more features of another embodiment or example in the present disclosure. do.

In addition, a device or system or device or system component that is adapted, arranged, capable, configured, usable, operational, or operational to perform a particular function. The appended claims reference to is made the device, system, or component so adapted, arranged, capable, configured, enabled, and operational. As long as it can or can operate, it includes the device, system, component, whether the device, system, component or its particular function is activated, turned on, or unlocked.

Unless explicitly stated, the present disclosure may obtain the consent of the user in advance or immediately before the implementation of any embodiment or embodiment. In addition, the consent to be obtained may be comprehensive or may be obtained on a case-by-case basis.

<Embodiment>
The embodiment is an embodiment that enables debt repayment processing by using, for example, profit information regarding a user's profit on an electronic commerce platform and debt information regarding a user's debt using the electronic commerce platform.

According to the embodiment, it is possible to repay the user's debt using the revenue on the e-commerce platform, and as a result, it is possible to promote the listing on the e-commerce platform in order to obtain the revenue to be used for debt repayment. The effect is obtained.

<Structure of Embodiment>
Each configuration of the server 110A, the server 110B, and the terminal 120 will be described with reference to FIGS.

(1) Configuration of Server 110A FIG. 1 shows an example of a block diagram showing a functional configuration of the server 110A according to the embodiment. The server 110A functions as a server related to the debt repayment service using the profit in the electronic commerce platform. The server 110A has, for example, an exhibition management module 1122, a debt information management module 1123, and a repayment processing module 1124. It should be noted that each function or each process may be realized by machine learning, AI (Artificial Intelligence), or the like to the extent feasible.

Each functional module disclosed in FIG. 1 is a cooperation between a processor 111, a memory 112, a storage 113, an input / output I / F 114, an input device 115, an output device 116, and a transmission / reception unit 117 included in the server 110A. Realized by work. For example, the listing management module 1122, the debt information management module 1123, and the repayment processing module 1124 can be realized by the processor 111 reading and executing the program stored in the storage 113.

The listing management module 1122 sets the product ID based on the listing request of the product, and stores the product information and the selling price transmitted by the selling user in the transaction management data 1126. The product information is, for example, information for identifying a product such as a product image of a product taken by the exhibiting user or a product name input or selected by the exhibiting user.

The listing management module 1122 sells a product using the product information and the selling price stored in the transaction management data 1126, and executes processing related to electronic commerce. For example, the listing management module 1122 discloses the listing information, executes a transaction of the product, and executes a process of mediating the transaction between the listing user and the purchasing user until the transaction is completed. Further, when the exhibition management module 1122 obtains the agreement of both the exhibition user and the purchase user, it considers that the transaction has been completed and executes the settlement process.

At the time of the settlement processing, the exhibition management module 1122 confirms the transaction management data 1126, and if the profit of the product for which the transaction has been completed is the target of the repayment application, the repayment processing module 1124 executes the repayment processing. Can be instructed. Further, when the transaction is completed, the exhibition management module 1122 may record the profit information in the user management data 1125.

The debt information management module 1123 executes a process of acquiring debt information regarding the debt of a user who uses the electronic commerce platform. For example, the debt information management module 1123 uses payment information received from a user's terminal 120, a store terminal, or a server 110B as debt information for which payment processing is performed after a predetermined period such as postpayment has elapsed. get. At that time, the debt information may include, for example, information on the payment amount and the payment date for each payment information.

The debt information management module 1123 can control the debt information to be transmitted to the terminal 120 via the transmission / reception unit 117 when the user who uses the electronic commerce platform has a debt. In addition, the debt information management module 1123 sends a notification recommending the listing of the product on the electronic commerce platform and a notification confirming that the profit of the product being exhibited or the transaction is completed is used for the debt repayment processing via the transmission / reception unit 117. It can be controlled to transmit to the terminal 120.

The debt information management module 1123 requests a repayment request from a user who has a debt to allocate the profit of the product related to the listing to the debt repayment processing at the time of listing the product, and the debt repayment processing of the profit of the product being exhibited or the transaction is completed. A repayment application to the effect that it is allocated to the above can be received via the transmission / reception unit 117. For example, when the debt information management module 1123 receives such a repayment application, it records that fact in the information regarding the corresponding product in the transaction management data 1126.

The repayment processing module 1124 executes the debt repayment processing by using the debt information regarding the debt of the user who uses the electronic commerce platform and the profit information regarding the profit in the electronic commerce platform. For example, the repayment processing module 1124 executes repayment processing for allocating the profit of the product to the repayment of the debt when the transaction of the product for which the repayment application has been made is completed. In addition, the repayment processing module 1124 may execute repayment processing in which the profit of the product is applied to the repayment of the debt when the debt repayment application is made using the profit of the product for which the transaction has already been completed. When the repayment process is complete, the repayment process module 1124 may update the user's debt information and send the debt balance to the user.

When the user earns profits from a plurality of products, the repayment processing module 1124 can sum the profits from the plurality of products and execute the debt repayment processing. In this case, the repayment processing module 1124 identifies the combination of revenues whose total revenue is greater than the debt amount and is closest to the debt amount, and allocates the total revenue to the debt repayment. May be good. At this time, the amount of the total amount of revenue that exceeds the amount of debt can be allocated to the user as a monetary equivalent that can be used on the electronic commerce platform. Here, the monetary equivalent includes the electronic value accumulated by the user by charging or points.

Further, when the profit on the electronic commerce platform is larger than the debt amount, the repayment processing module 1124 can deduct the debt amount from the profit and use it for debt repayment. At this time, the profit remaining after deducting the debt amount can be associated with the user as a monetary equivalent available on the electronic commerce platform.

In commerce on the electronic commerce platform, revenue may be given to the user's account in the form of electronic value that can be used within the electronic commerce platform. Therefore, the electronic value corresponding to the profit obtained by the user through the commercial transaction on the electronic commerce platform is referred to as the first electronic value, and the electronic value other than the profit accumulated by the user by charging or points is referred to as the second electronic value to distinguish between the two.

As a result, it becomes possible to realize a mechanism that can repay the debt of the selling user by the profit in the electronic commerce platform. In addition, this makes it possible to promote listings on electronic commerce platforms for the purpose of debt repayment.

In addition, the debt to be repaid by the repayment processing module 1124 may include the debt generated by the settlement service linked with the electronic commerce platform. Here, the debt generated by the settlement service linked with the electronic commerce platform includes the debt generated by the transaction in the electronic commerce platform and the debt generated by other than the electronic commerce platform.

Debts incurred by other than the electronic commerce platform are managed by the server 110B that provides the settlement service. Therefore, the repayment processing of the repayment processing module 1124 in this case includes, for example, delivering money corresponding to the repayment to the server 110B and causing the server 110B to execute the debt repayment processing.

Among these, since the debt to be repaid by the repayment processing module 1124 includes the debt generated by other than the electronic commerce platform, it is possible to repay the debt generated by other than the electronic commerce platform by the profit from the electronic commerce platform. It becomes. Therefore, for example, it is possible to repay the debt generated by performing the payment processing using the information code such as the barcode or QR code (registered trademark) at the actual store by the profit from the product exhibited on the electronic commerce platform. ..

Further, the debt to be repaid by the repayment processing module 1124 may include a debt generated by deferred payment provided by the above-mentioned settlement service linked with the electronic commerce platform. Here, the post-payment includes payment methods such as post-payment, installment payment, and revolving payment in a lump sum for one month.

As a result, for example, it is possible to repay the debt that was paid and settled at the actual store by the settlement process using the information code by the profit from the electronic commerce platform.

Further, the debt information acquired by the debt information management module 1123 may include the date of occurrence of the debt, and the revenue information acquired by the exhibition management module 1122 may include the date of occurrence of the revenue. At this time, for example, the repayment processing module 1124 can execute the repayment processing of the debt by using the profit generated before or after the predetermined period from the generation date of the debt.

As a result, the profits that can be used for debt repayment can be narrowed down to those close to the debt incurred date, and it is possible to promote listings motivated by debt repayment. Further, instead of the above, the repayment processing module 1124 can execute the repayment processing of the debt by using the profit generated before the repayment date of the debt by a predetermined period.

Further, the repayment processing module 1124 may grant the user who has repaid the debt a privilege regarding the use of the electronic commerce platform. Here, the benefits include reduction of fees such as listing fee, purchase fee, and shipping fee charged to the user when using the electronic commerce platform, and granting points that can be used on the electronic commerce platform. In addition, the privilege may be a fee reduction or point award for a payment service linked with an electronic commerce platform.

As a result, it is possible to promote the repayment of debts using the profits of the electronic commerce platform, and accordingly, it is possible to promote the listing on the electronic commerce platform.

Further, the repayment processing module 1124 may execute the above-mentioned privilege grant when the debt generated in the predetermined period is repaid by the profit of the product being exhibited or the transaction is completed on the electronic commerce platform in the predetermined period. .. For example, the repayment processing module 1124 may execute the above-mentioned privilege grant when the debt is repaid by the profit generated by the goods exhibited or traded on the electronic commerce platform in the repayment month of the debt. More specifically, when the repayment processing module 1124 repays the debt incurred in January with the income generated in January, the above benefits are granted or the repayment date is set to January 25. If the debt is repaid with the income generated between December 25th and January 25th, the above benefits may be granted. In addition, when the debt before the payment date is repaid by the profit generated from the debt occurrence date to the payment date, the above-mentioned privilege can be granted.

As a result, the above-mentioned benefits can be granted when the product is put up on the electronic commerce platform for the purpose of debt repayment. Therefore, it is possible to promote listings for the purpose of debt repayment.

Further, the repayment processing module 1124 may give uniform benefits regardless of the amount of debt repayment. In addition, the repayment processing module 1124 may determine the benefits to be granted based on the amount of debt repayment or the number of times the debt has been repaid using revenue. For example, the repayment processing module 1124 may increase the reduction amount, discount rate, points, etc. of the benefits to be granted as the amount of the repayment debt is large, or repay the debt using the profit from the electronic commerce platform. As the number of times of payment is increased, the reduction amount, discount rate, points, etc. of the privilege to be given may be increased.

This makes it possible to promote listings for the purpose of debt repayment. For example, if the benefits to be granted are uniform regardless of the amount of debt that has been repaid, it is possible to promote listing for the purpose of debt repayment even if the product has a relatively small amount of sales. In addition, when the privilege to be granted is determined based on the amount of debt that has been repaid, it is possible to promote the listing of more products or higher-priced products for the purpose of debt repayment. In addition, if revenue is used to make decisions based on the number of times debt is repaid, listings for debt repayment can be promoted on a regular basis.

(Decision to use the profit for repayment at the time of listing)
The debt information management module 1123 further executes associating the listed product with the debt when the product is listed on the e-commerce platform, and the repayment processing module 1124 generates the revenue generated by the associated product. It may be used to perform a repayment process to repay the debt. For example, when the debt information management module 1123 receives a repayment request from a user who has a debt to allocate the profit of the product related to the listing to the debt repayment processing at the time of listing the product, the debt information management module 1123 relates to the product of transaction management data 1126. Record in the information that the proceeds will be used to repay the debt. Then, the repayment processing module 1124 confirms the information about the product in the transaction management data 1126 when the transaction of the product is completed, and when it is recorded that the profit is used for the repayment of the debt, the debt Repayment processing can be executed.

As a result, the product exhibited at the time of listing can be associated with the debt, and the debt repayment can be executed promptly after the transaction is completed.

(Decision to use profits for repayment after product transaction)
The debt information management module 1123 further executes associating the revenue generated by the traded goods with the debt when the goods are traded on the electronic commerce platform, and the repayment processing module 1124 calculates the associated revenues. It may be used to perform a repayment process to repay the debt. For example, the debt information management module 1123 sends a confirmation notification to a user who has a debt whether the profit of the product is used for repayment of the debt when the product is traded on the electronic commerce platform. Then, when the debt information management module 1123 receives a repayment application from the user to the effect that the profit of the product is used for the debt repayment processing, the debt information management module 1124 notifies the repayment processing module 1124 to that effect, and the repayment processing module 1124 notifies the repayment processing module 1124 to that effect. Debt repayment processing can be carried out.

As a result, even if the product was not planned to be used for debt repayment at the time of listing, when the product is traded, the listed product can be associated with the debt, and the debt repayment is executed. be able to.

(Decision to allocate profits to repayment at the time of debt repayment)
The debt information management module 1123 further performs associating the debt with the revenue generated on the e-commerce platform prior to debt repayment, and the repayment processing module 1124 uses the associated revenue to debt. You may perform a repayment process to repay. For example, the debt information management module 1123 confirms that the next debt repayment date and the revenue is generated on the e-commerce platform and that the revenue is available, and if there is a usable revenue, Send a confirmation notice to the user who has the debt whether to use the profit of the product to repay the debt. Then, when the debt information management module 1123 receives a repayment request from the user to allocate the profit of the product to the debt repayment processing, the debt information management module 1124 notifies the repayment processing module 1124 to that effect, and the repayment processing module 1124 , Debt repayment processing can be carried out.

In the above process, in response to the confirmation notification, the user decides whether to repay the debt with the revenue that is the first electronic value or the debt with a monetary equivalent other than the revenue that is the second electronic value. Alternatively, it may be possible to select whether to repay the debt by combining the profit which is the first electronic value and the monetary equivalent which is the second electronic value. The debt information management module 1123 may notify the user who has the debt whether or not the profit of the product will be used for the repayment of the debt when the profit generated in the electronic commerce platform is the profit generated within a predetermined period. good.

As a result, even for a product that was not planned to be used for debt repayment after the end of the transaction, the product that was put up after the fact can be associated with the debt, and the debt repayment can be executed.

Debt information management module 1123 can perform debt repayment processing based on revenue and monetary equivalents available on the user's e-commerce platform. For example, if the amount of revenue is less than the amount of debt, the revenue and the monetary equivalent available on the user's e-commerce platform are added up to the amount of debt, and the debt repayment process is performed. Can be executed.

As a result, the debt information management module 1123 can execute the debt repayment process by using the profit which is the first electronic value and the monetary equivalent which is the second electronic value held by the user. Therefore, the debt information management module 1123 executes the debt repayment process by further using the monetary equivalent, which is the second electronic value, even when the amount of income is smaller than the amount of the debt to be repaid. be able to.

The storage 113 includes a program executed by the server 110A according to the embodiment, a user management DB 1125 that manages a user who is a member of the electronic commerce platform, and transaction management data 1126 that manages transactions executed on the electronic commerce platform. Store. These DBs will be described later.

The one or more processors 111 read each module from the memory 112 and execute the module as needed. For example, one or more processors 111 constitute a listing management unit, a debt information management unit, and a repayment processing unit by executing the listing management module 1122, the debt information management module 1123, and the repayment processing module 1124, respectively. You may.

(2) Configuration of Terminal 120 FIG. 1 shows an example of a block diagram showing a functional configuration of the terminal 120 according to the embodiment. The terminal 120 functions as a terminal used by a user in an electronic commerce platform. The terminal 120 has, for example, a display control module 1222, a transaction processing module 1223, a repayment application module 1224, and a settlement processing module 1225. It should be noted that each function or each process may be realized by machine learning, AI (Artificial Intelligence), or the like to the extent feasible.

Each functional module disclosed in FIG. 1 is a cooperation between a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, and a transmission / reception unit 127 included in the server 110A. Realized by work. For example, the display control module 1222, the transaction processing module 1223, the repayment application module 1224, and the settlement processing module 1225 can be realized by the processor 121 reading and executing the program stored in the storage 123.

The display control module 1222 displays and controls a display assist screen, an electronic commerce screen, a debt repayment application screen, and a repayment status confirmation screen on a display device (for example, a touch panel) based on screen information received from the server 110A, for example. do.

The transaction processing module 1223 has a function of executing processing related to electronic commerce. For example, the transaction processing module 1223 has a function of registering product information and a function of negotiating a product with a purchasing user on the selling user side. Further, the transaction processing module 1223 has a function of browsing products, selecting products, and instructing payment on the purchasing user side.

The repayment application module 1224 has a function of applying for debt repayment to the server 110A based on the product exhibited by the exhibiting user. For example, the repayment application module 1224 responds to the operation of the seller user by applying for repayment to the effect that the profit of the product related to the listing is used for the repayment processing of the debt at the time of listing the product, and the profit of the product being listed or the transaction is completed. A repayment application to be used for debt repayment processing can be transmitted via the transmission / reception unit 127. Further, the repayment application module 1224 may acquire the debt information from the server 110A in response to the operation of the exhibiting user and cause the display control module 1222 to control the display on the screen.

The payment processing module 1225 has a function of executing a payment in which a debt is incurred. For example, the terminal 120 reads the two-dimensional code of the store and sends the payment information including the payment destination ID, the debtor ID, and the input amount included in the two-dimensional code to the server via the transmission / reception unit 127. Control to transmit to 110B.

The storage 123 stores a program executed by the terminal 120 according to the embodiment, and executes, for example, a process related to an electronic commerce used by a selling user or a purchasing user, or a process assisting debt repayment used by the selling user. Memorize the program for. Further, the program that executes the processing related to the electronic commerce and the program that executes the processing that assists the debt repayment may be different programs.

The one or more processors 121 read each module from the memory 122 and execute the module as needed. For example, one or more processors 121 may execute the display control module 1222, the transaction processing module 1223, the repayment application module 1224, and the settlement processing module 1225, respectively, to display the display control unit, the transaction processing unit, and the repayment application unit. And a payment processing unit may be configured.

(3) Configuration of Server 110B FIG. 2 shows an example of a block diagram showing a functional configuration of the server 110B according to the embodiment. The server 110B is a server related to a payment service linked with an electronic commerce platform, and functions as a server managed by a creditor for a debt held by a user. The server 110B has, for example, a payment management module 1522. It should be noted that each function or each process may be realized by machine learning, AI (Artificial Intelligence), or the like to the extent feasible.

Each functional module disclosed in FIG. 2 is a cooperation between a processor 151, a memory 152, a storage 153, an input / output I / F 154, an input device 155, an output device 156, and a transmission / reception unit 157 included in the server 110B. Realized by work. For example, the payment management module 1522 can be realized by the processor 151 reading and executing a program stored in the storage 153. Each function or each process in the payment management module 1522 that can be executed and configured by the processor 151 may be realized by machine learning, AI (Artificial Intelligence), or the like to the extent feasible.

The settlement management module 1522 has a function of executing various processes for executing the settlement of debts. For example, the payment management module 1522 receives payment information from the terminal 120 owned by the user, and records the debt of the user in the debt management data 1523. The settlement information may include the date of occurrence of the debt, the amount of the debt, and the date of repayment. In addition, the payment management module 1522 may receive payment information from another terminal owned by the user or the terminal of the payment destination store.

When the settlement management module 1522 receives money corresponding to the repayment from the repayment processing system 1 and receives an instruction to execute the debt repayment processing, the payment management module 1522 executes the debt repayment processing on the server 110B.

The one or more processors 151 read each module from the memory 152 as needed and execute the module. For example, one or more processors 151 may configure a payment confirmation unit and a display control unit by executing each of the payment management modules 1522.

<Data example>
The data of the server 110A and the server 110B will be described with reference to FIGS. 3 to 5.

FIG. 3 is a diagram showing an example of a user management DB 1125 stored in the storage 113 or the memory 112 of the server 110A according to the embodiment. The user management DB 1125 manages information about each user created by a person who operates and manages the electronic commerce platform. The "user ID" includes user identification information for the server 110A to uniquely identify the user. The user management DB 1125 may include user information such as an address and a telephone number in addition to the user's "name".

In addition, the user management DB 1125 includes debt information related to debt, profit information related to profit, and account information such as second electronic value and points held by the user. The "debt information" may include a debt ID for uniquely identifying a debt, a debt repayment date and a repayment amount specified by the debt ID, as information about the debt held by the user. In addition, the "revenue information" may include a product ID for uniquely identifying the product that is the source of the revenue, and a revenue generation date and revenue amount specified by the product ID as information related to the user's revenue. good. The “debt information” is updated, for example, by the debt information management module 1123 when a debt is incurred, and by the repayment processing module 1124 when the debt is repaid. Further, the "revenue information" is updated at the time of closing the transaction by, for example, the listing management module 1122, and is also updated when the profit is used.

Further, the “number of repayments” of the user management DB 1125 may include the number of times the debt is repaid using the profit and the number of times the debt is repaid. The "repayment count" is updated, for example, by the repayment processing module 1124 when the repayment processing is executed.

FIG. 4 is a diagram showing an example of transaction management data 1126 stored in the storage 113 or the memory 112 of the server 110A according to the embodiment. The "product ID" includes identification information for the server 110A to uniquely identify the product. The "exhibition user ID" includes the user ID of the exhibiting user. The "product information" includes information on the repayment application for the product, the product name and description of the product, the registration date of the product, and other information on the product. The "amount" includes the selling price of the product determined by the selling user.

The "status" of the transaction management data 1126 includes the state of the transaction in the electronic commerce. The status includes "trading" indicating that the transaction is currently in progress, "negotiating" indicating that the user is in negotiation with the user who is the buyer, and "completed" indicating that the transaction has been completed. In addition, the "transaction closing date" includes the date when the profit is generated as the date when the transaction is closed. The "purchasing user ID" includes the user ID of the user who purchased the product.

In addition, the "repayment application" of the transaction management data 1126 includes information regarding the presence or absence of a repayment application, which indicates whether or not the profit of the product ID is used for the repayment of the debt. The presence or absence of debt repayment may include an ID that identifies the debt to be repaid. The "repayment application" is updated, for example, by the debt information management module 1123.

FIG. 5 is a diagram showing an example of debt management data 1523 stored in the storage 153 or the memory 152 of the server 110B according to the embodiment. The “debt ID” includes identification information for the server 110A to uniquely identify the debt. The "debtor ID" includes identification information issued by the settlement operator to identify the user. The "payment destination ID" includes, for example, identification information that identifies a store read by a two-dimensional code or the like, and includes information issued by a payment business operator. The "debt amount", "debt incurred date", and "repayment date" include the amount of the debt specified by the debt ID, the incurred date, and the repayment date. "Status" includes the status of debt repayment in electronic commerce. The status includes "completed" indicating that the repayment has been completed, "not yet" indicating that the repayment has not been completed, and the like. Although not shown, it may include identification information that can identify the settlement business operator.

<Operation processing of the embodiment>
The processing of the repayment processing system 1 according to the embodiment will be described with reference to FIGS. 6 to 9.

(Debt repayment application at the time of listing)
FIG. 6 shows an example of a processing sequence of the repayment processing system 1 when a repayment application is made using the profit of the product at the time of listing the product.

(Step S601)
The payment processing module 1225 of the first terminal 120A controls to transmit payment information to the server 110B via the transmission / reception unit 127. The payment information may include a payment destination ID, a payment source ID, a debtor ID, a payment amount, a repayment date, and the like.

(Step S602)
The payment management module 1522 of the server 110B acquires the payment information transmitted by the first terminal 120A, and associates the user with the debt to the debt management data 1523 when the payment is a later payment. If the payment is not made later, the payment amount may be reduced from the second value of the user to proceed with the payment process.

(Step S603)
The settlement management module 1522 of the server 110B controls to transmit the debt information related to the debt recorded in the debt management data 1523 to the server 110A via the transmission / reception unit 157. The debt information regarding the debt may be the same information as the settlement information, the settlement destination ID may be deleted, or other information may be added. In addition, the payment management module 1522 may transmit debt information in response to a request from the server 110A.

(Step S604)
The transaction processing module 1223 of the first terminal 120A transmits a product listing request together with the product information and the product price to the server 110A via the transmission / reception unit 127 in response to the operation of the seller user. The product information includes, for example, image information of the product, the name of the product, and the like.

(Step S605)
The debt information management module 1123 of the server 110A refers to the user management data 1125 in response to the reception of the listing request, and confirms the existence of debt information regarding the debt of the user of the first terminal 120A.

(Step S606)
When the user of the first terminal 120A has a debt, the debt information management module 1123 of the server 110A sends a confirmation request via the transmission / reception unit 117 to confirm whether the profit of the product related to the listing request is used for the debt repayment. It transmits to the first terminal 120A.

(Step S607)
The display control module 1222 of the first terminal 120A can display the debt repayment application screen on the output device 126 based on the screen information received from the server 110A. Then, the repayment application module 1224 transmits a repayment application for applying for repayment of the debt by the profit of the product related to the exhibition request to the server 110A via the transmission / reception unit 127 in response to the operation of the exhibition user. When there are a plurality of debts to be repaid, the repayment application module 1224 includes information for identifying the debts to be repaid based on the profit of the product related to the listing request in the repayment application and transmits the information to the server 110A via the transmission / reception unit 127. can do. The case where there are a plurality of debts to be repaid includes, for example, the case where debts are incurred in the first period and the second period in the postpayment in which debt repayment is set for each predetermined period. You can do it.

(Step S608)
The debt information management module 1123 of the server 110A records in the transaction management data 1126 that the revenue is allocated to the debt repayment for each listing in response to the receipt of the repayment application. Alternatively, the debt information management module 1123 of the server 110A may record that the revenue is used to repay the debt for each user. As a result, the user can use the profit of the product to be listed for debt repayment with fewer operations. In addition, the debt information management module 1123 can also record in the transaction management data 1126 a debt ID that specifies the debt to be repaid based on the profit of the product related to the listing request.

(Step S609)
The listing management module 1122 of the server 110A executes the listing process of the product for which the listing request has been received. For example, the listing management module 1122 sets a listing ID in response to a listing request and stores information about the product in the transaction management DB. In addition, the exhibition management module 1122 discloses the product information and the price on the electronic commerce platform so that it can be viewed by any user.

(Step S610)
In step S610, the listing management module 1122 of the server 110A mediates between the listing user and the purchasing user to execute the transaction processing of the product. The listing management module 1122 can complete a transaction of goods by executing a function provided by a known electronic commerce platform.

(Step S611)
The exhibition management module 1122 of the server 110A confirms the transaction management data 1126, and if the product for which the transaction has been completed is the target of the repayment application, instructs the repayment processing module 1124 to execute the repayment process. Then, the repayment processing module 1124 refers to the transaction management data 1126, and executes the repayment processing in which the profit of the product for which the transaction is completed is applied to the repayment of the debt. For debts incurred on the server 110B other than the electronic commerce platform, the repayment processing module 1124 can control the server 110B to send a request to execute the debt repayment processing to the server 110B via the transmission / reception unit 117. Note that the transaction is completed may mean that the exhibited product has been sold, the purchasing user may have paid the product price, or the purchasing user may have notified the server 110A of the receipt of the product. It may be that both the seller and the seller have completed the evaluation.

(Step S612)
When the payment management module 1522 of the server 110B receives money corresponding to the repayment or an equivalent thereof and receives an instruction to execute the debt repayment processing, the payment management module 1522 executes the debt repayment processing on the server 110B.

(Step S613)
When the predetermined debt repayment is executed, the payment management module 1522 of the server 110B can control the repayment completion notification to be transmitted to the server 110A via the transmission / reception unit 157.

(Step S614)
The repayment processing module 1124 of the server 110A can control the repayment completion notification to be transmitted to the first terminal 120A via the transmission / reception unit 117 in response to the reception of the repayment completion notification. At this time, the repayment processing module 1124 may give the user who has repaid the debt a privilege regarding the use of the electronic commerce platform. In addition, the repayment processing module 1124 can record the privilege given to the user in the user management data 1125.

The disclosure technique is not limited to the above-described embodiment, and can be implemented in various other forms within a range that does not deviate from the gist of the disclosure technique. For example, the above-mentioned processing steps can be arbitrarily changed in order or executed in parallel within a range that does not cause a contradiction in the processing contents.

<< First Example >>
The first embodiment is an embodiment in which the exhibiting user applies for repayment of the product being exhibited.

<< Effect of the first embodiment >>
According to the first embodiment, the profit of the product that was not planned to be used for debt repayment at the time of listing can be associated with the listed product and the debt after the listing, and the same effect as that of the embodiment can be obtained. can get.

<< Configuration of the first embodiment >>
The system configuration, server, terminal configuration, etc. according to the first embodiment are basically the same as the system configuration, server, terminal configuration, etc. according to the embodiment. The difference between the first embodiment and the embodiment is that a repayment application is made for the product being exhibited.

FIG. 7 shows an example of the processing sequence of the repayment processing system 1 when applying for repayment for the product being exhibited. For example, after the listing process (step S609) and before the transaction is completed (S610), the debt information management module 1123 of the server 110A confirms the user's debt information (step S701) and pays the debt by the profit of the product related to the listing request. A confirmation request is made to confirm the repayment (step S702). Note that steps S701 and S702 may be executed in response to a user's request, or may be automatically performed at a predetermined timing.

Next, the repayment application module 1224 of the first terminal 120A transmits the product ID and the repayment application to the server 110A in response to the operation of the exhibiting user (step S703). Then, the debt information management module 1123 of the server 110A records in the transaction management data 1126 that the profit of the product specified by the product ID is used for the debt repayment in response to the receipt of the repayment application (step S704). After that, when the transaction is completed, the repayment processing module 1124 executes the repayment processing using the profit (steps S611 to S614).

<< Second Example >>
The second embodiment is an example in which the exhibiting user applies for repayment when the transaction of the product is completed.

<< Effect of the second embodiment >>
According to the second embodiment, the profit of the product that was not planned to be used for debt repayment by the time the transaction is completed can be associated with the exhibited product and the debt at the time of the transaction, which is the same as that of the embodiment. The effect of is obtained.

<< Configuration of the second embodiment >>
The system configuration, server, terminal configuration, etc. according to the second embodiment are basically the same as the system configuration, server, terminal configuration, etc. according to the embodiment. The difference between the second embodiment and the embodiment is that a repayment application is made when the transaction is completed.

FIG. 8 shows an example of a processing sequence of the repayment processing system 1 when applying for repayment for a product being exhibited. For example, when the transaction is completed (step S609), the debt information management module 1123 of the server 110A confirms the user's debt information (step S801), and confirms that if the user has a debt, the debt is repaid by income. Make a confirmation request (step S802). Next, the repayment application module 1224 of the first terminal 120A transmits the product ID and the repayment application to the server 110A according to the operation of the user (step S803). Then, the debt information management module 1123 of the server 110A records in the transaction management data 1126 that the profit of the product specified by the product ID is used for the debt repayment in response to the receipt of the repayment application (step S804). , The repayment processing module 1124 executes repayment processing using the profit (steps S611 to S614).

<< Third Example >>
The third embodiment is an embodiment in which the exhibiting user applies for repayment using the profit of the product after the transaction is completed.

<< Effect of the third embodiment >>
According to the third embodiment, the profit of the product that was not planned to be used for debt repayment at the time of closing the transaction can be associated with the exhibited product and the debt after the closing of the transaction, which is the same as that of the embodiment. The effect is obtained.

<< Configuration of the third embodiment >>
The system configuration, server, terminal configuration, etc. according to the third embodiment are basically the same as the system configuration, server, terminal configuration, etc. according to the embodiment. The difference between the third embodiment and the embodiment is that a repayment application is made using the profit of the product after the transaction is completed.

FIG. 9 shows an example of a processing sequence of the repayment processing system 1 when applying for repayment for a product being exhibited. For example, when the debt repayment application using the profit of the product for which the transaction has been completed has not been made, the exhibition management module 1122 of the server 110A executes the settlement process (step S901). As a result, the revenue is reflected in the user's account.

Then, the debt information management module 1123 of the server 110A confirms the user's debt information (step S901) and requests confirmation to confirm that the debt is repaid by profit (step S902) before the debt repayment date. Next, the repayment application module 1224 of the first terminal 120A transmits the repayment application to the server 110A in response to the operation of the user (step S903). Then, the debt information management module 1123 of the server 110A records in the transaction management data 1126 that the profit is used for the repayment of the debt in response to the receipt of the repayment application (step S904), and the repayment processing module 1124 sets the repayment processing module 1124. The repayment process is executed using the profit (steps S611 to S614).

As described above, the present disclosure is not limited to the above-described embodiment, and various modifications can be made without departing from the gist thereof. That is, the above embodiment is merely an example in all respects and is not interpreted in a limited manner.

For example, each process, each function, or each method described above may be realized by one server in which the server 110A and the server 110B are integrated, or at least one of either of the server 110A or the server 110B may be realized. Processing, function or method realization may be realized.

Further, the payment service provided by the server 110B may be any payment service to which the present disclosure can be applied. For example, it may be a code payment using a two-dimensional code or the like, or it may be a payment using electronic money or the like.

1 ... repayment processing system, 110, 110A, 110B ... server, 111 ... processor, 112 ... memory, 113 ... storage, 114 ... input / output interface (input / output I / F), 115 ... input device, 116 ... output device, 117 ... Transmitter / receiver, 120, 120A, 120B, 120C, 120X ... Terminal, 121 ... Processor, 122 ... Memory, 123 ... Storage, 125 ... Input device, 126 ... Output device, 127 ... Transmitter / receiver, 128 ... Reader, 130 ... Network, 151 ... Processor, 152 ... Memory, 153 ... Storage, 155 ... Input device, 156 ... Output device, 157 ... Transmitter / output unit, 158 ... Reader, 200 ... Information processing device, 1121 ... Program, 1122 ... Exhibition management module, 1123 ... Debt information management module, 1124 ... Repayment processing module, 1125 ... User management data, 1126 ... Transaction management data, 1221 ... Program, 1222 ... Display control module, 1223 ... Transaction processing module, 1224 ... Repayment application module, 1225 ... Settlement Processing module, 1521 ... program, 1522 ... payment management module, 1523 ... debt management data.

Claims (17)

An information processing method executed by an information processing device including one or more processors.
The one or more processors
The process of acquiring debt information regarding the debt of users who use the electronic commerce platform,
The process of acquiring revenue information regarding the revenue of the user on the electronic commerce platform, and
An information processing method for executing a process of repayment of the debt using the debt information and the profit information. The information processing method according to claim 1, wherein the debt includes a debt generated by a settlement service linked with the electronic commerce platform. The information processing method according to claim 2, wherein the debt includes a debt generated by deferred payment provided by the settlement service linked with the electronic commerce platform. The information processing method according to any one of claims 1 to 3, wherein the debt information includes the date of occurrence of the debt. The information processing method according to any one of claims 1 to 4, wherein the profit information includes the generation date of the profit. The information processing method according to any one of claims 1 to 5, further executing a process of granting a privilege related to the use of the electronic commerce platform to the user who has repaid the debt. The process of granting the privilege is executed when the debt generated in the predetermined period is repaid by the profit generated by the product exhibited or traded on the electronic commerce platform in the predetermined period, according to claim 6. The described information processing method. The process of granting the privilege is executed when the debt is repaid by the profit generated by the goods exhibited or traded on the electronic commerce platform in the month to which the repayment date of the debt belongs, according to claim 6. The described information processing method. The information processing method according to any one of claims 6 to 8, wherein the privilege is uniform regardless of the amount of the debt repaid. The information processing method according to any one of claims 6 to 8, wherein the privilege is determined based on at least one of the amount of the debt repaid and the number of times the debt is repaid using the profit. .. The information processing method according to any one of claims 1 to 10, wherein the privilege is related to a reduction in a fee charged to the user when using the electronic commerce platform. When a product is listed on the electronic commerce platform, a process of associating the listed product with the debt is further executed.
The repayment process is
The information processing method according to any one of claims 1 to 11, which comprises a process of repayment of the debt using the revenue generated by the associated product. When a product is traded on the electronic commerce platform, a process of associating the revenue generated by the traded product with the debt is further executed.
The repayment process is
The information processing method according to any one of claims 1 to 12, which comprises a process of repayment of the debt using the associated revenue. Prior to the repayment of the debt, a process of associating the revenue generated on the electronic commerce platform with the debt is further executed.
The repayment process is
The information processing method according to any one of claims 1 to 13, which comprises a process of repayment of the debt using the associated revenue. The repayment process is
The information processing method according to any one of claims 1 to 14, which comprises a process of repayment of the debt based on the profit and a monetary equivalent available on the electronic commerce platform owned by the user. .. For one or more processors included in an information processing device
The process of acquiring debt information regarding the debt of users who use the electronic commerce platform,
The process of acquiring revenue information regarding the revenue of the user on the electronic commerce platform, and
A program that executes a process of repayment of the debt by using the debt information and the profit information. An information processing device that includes one or more processors.
The one or more processors
The process of acquiring debt information regarding the debt of users who use the electronic commerce platform,
The process of acquiring revenue information regarding the revenue of the user on the electronic commerce platform, and
An information processing device that executes a process of repayment of the debt by using the debt information and the profit information.

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