JP2022053850A - Information processing device and control program thereof - Google Patents

Abstract

To provide an information processing device and a control program thereof that allow a store side to easily confirm a credit limit amount from a credit evaluation of a purchaser even in an emergency.SOLUTION: In an information processing system in which a member server and an accounting machine are connected by a communication network, the member server, which is an information processing device, includes: first acquisition means ACT33 for acquiring first information for performing a credit evaluation related to a purchaser's commercial transaction; second acquisition means ACT37 for acquiring second information corresponding to a credit limit amount based on the first information; and output means ACT 38 and 39 for outputting the second information. The output means outputs deadline information related to a credit sale together with the second information.SELECTED DRAWING: Figure 8

Description

An embodiment of the present invention relates to an information processing apparatus and a control program thereof.

Conventionally, in the commercial transaction of a store, a so-called credit sales method has been used, in which the price of the purchased product is not paid on the spot but is paid at a later date. Credits are established by credit to the purchaser. Therefore, for example, the credit evaluation of the purchaser is determined based on the purchase performance and the like, and the credit evaluation limit is given according to the credit evaluation. The purchaser will be able to obtain the goods up to the granted credit limit. Such credit sales are effective as support for purchasers who cannot make cash payments or electronic payments in the event of an emergency such as a disaster. However, in an emergency, there is a possibility that the purchaser's credit limit cannot be confirmed due to a payment system failure. Therefore, in order to make effective use of credit sales, it is necessary to build a mechanism that allows the store side to easily confirm the credit sales limit according to the credit evaluation of the purchaser even in an emergency.

JP-A-2019-109831

The problem to be solved by the embodiment of the present invention is to provide an information processing device and a control program thereof so that the store side can easily confirm the credit limit according to the credit evaluation of the purchaser even in an emergency. ..

In one embodiment, the information processing apparatus comprises a first acquisition means, a second acquisition means, and an output means. The first acquisition means acquires the first information for performing a credit evaluation regarding the purchaser's commercial transaction. The second acquisition means acquires the second information corresponding to the credit limit amount based on the first information. The output means outputs the second information.

The schematic diagram which shows the schematic structure of the information processing system which concerns on one Embodiment. A block diagram showing a main circuit configuration of a member server. The schematic diagram which shows an example of the credit evaluation table. The schematic diagram which shows the data structure of the member data record stored in a member database. A block diagram showing a circuit configuration of a main part of an accounting machine. A flow chart showing a main part control procedure of a processor in an accounting machine. The flow chart which shows the main part control procedure of a processor in a member server. The flow chart which shows the main part control procedure of a processor in a member server. The schematic diagram which shows an example of the credit evaluation code. Schematic diagram showing an example of a receipt. In the second embodiment, the flow chart which shows the main part control procedure of the processor in a member server. The schematic diagram which shows an example of the deadline table in 2nd Embodiment.

Hereinafter, each embodiment will be described with reference to the drawings.

(First Embodiment)
FIG. 1 is a schematic diagram showing a schematic configuration of an information processing system 1 according to the present embodiment.
The information processing system 1 includes a member server 10 and an accounting machine 20. The member server 10 and the accounting machine 20 are connected to a communication network 2 such as a LAN (Local Area Network). The member server 10 is a computer that manages information about a member registered as a purchaser of a store in which the information processing system 1 is installed and executes various information processing related to the member. The accounting machine 20 is a device that enables a store clerk or a purchaser to perform accounting for purchased products. The number of accounting machines 20 is not particularly limited.

FIG. 2 is a block diagram showing a main circuit configuration of the member server 10. The member server 10 includes a processor 11, a main memory 12, an auxiliary storage device 13, a communication interface 14, and a system transmission line 15. The system transmission line 15 includes an address bus, a data bus, a control signal line, and the like. The member server 10 connects the processor 11, the main memory 12, the auxiliary storage device 13, and the communication interface 14 to the system transmission line 15. In the member server 10, a computer is composed of a processor 11, a main memory 12, an auxiliary storage device 13, and a system transmission line 15 connecting them.

The processor 11 corresponds to the central part of the computer. The processor 11 controls each part in order to realize various functions as a member server 10 according to an operating system or an application program. The processor 11 is, for example, a CPU (Central Processing Unit).

The main memory 12 corresponds to the main storage portion of the computer. The main memory 12 includes a non-volatile memory area and a volatile memory area. The main memory 12 stores an operating system or an application program in a non-volatile memory area. The main memory 12 stores data necessary for the processor 11 to execute a process for controlling each part in a volatile memory area. Further, the main memory 12 uses the volatile memory area as a work area where data is appropriately rewritten by the processor 11. The non-volatile memory area is, for example, a ROM (Read Only Memory). The volatile memory area is, for example, RAM (Random Access Memory).

The auxiliary storage device 13 corresponds to the auxiliary storage portion of the computer. As the auxiliary storage device 13, for example, a well-known storage device such as an EEPROM (registered trademark) (Electric Erasable Programmable Read-Only Memory), an HDD (Hard Disc Drive) or an SSD (Solid State Drive) may be used alone or in combination. Used. The auxiliary storage device 13 stores data used by the processor 11 for performing various processes and data generated by the processes of the processor 11. The auxiliary storage device 13 may store an application program.

The communication interface 14 is a circuit for performing data communication with another device connected via the communication network 2.

The member server 10 having such a configuration stores the credit evaluation table 121 (see FIG. 3) in the volatile memory area of the main memory 12.

FIG. 3 is a schematic diagram showing an example of the credit evaluation table 121. As shown in FIG. 3, the credit evaluation table 121 is a data table composed of a rank, a mark, a number of store visits, a cumulative purchase amount, and a credit limit amount. Rank is a category of member credit evaluation. There are nine ranks, for example, "A" to "I", and one of them is set as a member. It is assumed that "A" has a higher rank than "I". The mark is a figure corresponding to the rank. The mark is not limited to the figure, and may be any one that can identify each rank. The number of visits to the store is, for example, the number of times a member has made an account for purchased products at the store in units of one month. The cumulative purchase amount is, for example, the total amount of all the products purchased by the member at the store in units of one month. The credit limit is the maximum amount that can be credited based on the credit evaluation of the member. The credit evaluation of a member is determined from the number of visits and the cumulative purchase amount. For example, a member who visits a store frequently and has a large cumulative purchase amount has a high credit evaluation. The higher the credit rating, the higher the credit limit and the higher the rank. That is, based on the credit evaluation, the credit limit and the rank corresponding to the credit limit are determined for each member. The items related to credit evaluation are not limited to the above items. In addition, how to set the number of visits, the cumulative purchase amount, and the credit limit is arbitrary. The number of visits, the cumulative purchase amount, and the credit limit may be fixed values at the store or may be appropriately changed to desired values.

The member server 10 having such a configuration stores the member database 131 (see FIG. 4) in the auxiliary storage device 13.

FIG. 4 is a schematic diagram showing the data structure of the member data record 1311 stored in the member database 131. As shown in FIG. 4, the member data record 1311 stores the member data created for each purchaser who has registered as a member. The member data record 1311 includes a member ID, a name, a gender, an e-mail address, a rank, the latest transaction date, the number of store visits, a cumulative purchase amount, and the like. The member ID is a unique code assigned to each member to identify the member. The latest transaction date is, for example, the date when the newest commercial transaction is started or settled in the accounting machine 20. The number of visits and the cumulative purchase amount will be reset to 0 times and 0 yen after one month has passed from the beginning of the month. The items related to members are not limited to the above items.

FIG. 5 is a block diagram showing a main circuit configuration of the accounting machine 20. The accounting machine 20 includes a processor 211, a main memory 212, an auxiliary storage device 213, a clock 214, a change machine interface 215, a communication interface 216, a touch panel 217, a scanner 218, a printer 219, a reader 220, and a system transmission line 221. The system transmission line 221 includes an address bus, a data bus, a control signal line, and the like. The system transmission line 221 connects the processor 211, the main memory 212, the auxiliary storage device 213, the clock 214, the change machine interface 215, the communication interface 216, the touch panel 217, the scanner 218, the printer 219, and the reader 220 to each other. The computer of the accounting machine 20 is configured by connecting the processor 211, the main memory 212, and the auxiliary storage device 213 through the system transmission line 221.

The processor 211 corresponds to the central part of the computer. The processor 211 controls each unit in order to realize various functions as the accounting machine 20 according to the operating system or the application program. The processor 211 is, for example, a CPU.

The main memory 212 corresponds to the main memory portion of the computer. The main memory 212 includes a non-volatile memory area and a volatile memory area. The main memory 212 stores an operating system or an application program in a non-volatile memory area. The main memory 212 may store data necessary for the processor 211 to execute a process for controlling each part in a non-volatile or volatile memory area. The main memory 212 uses the volatile memory area as a work area where data is appropriately rewritten by the processor 211. The non-volatile memory area is, for example, a ROM. The volatile memory area is, for example, RAM.

The auxiliary storage device 213 corresponds to the auxiliary storage portion of the computer. For example, EEPROM, HDD, SSD, etc. can be the auxiliary storage device 213. The auxiliary storage device 213 stores data used by the processor 211 for performing various processes, data created by the processes of the processor 211, and the like. The auxiliary storage device 213 may store the above application program.

The application program stored in the main memory 212 or the auxiliary storage device 213 includes a control program described for information processing executed by the accounting machine 20. The method of installing the control program in the main memory 212 or the auxiliary storage device 213 is not particularly limited. The control program can be recorded on a removable recording medium, or the control program can be distributed by communication via a network and installed in the main memory 212 or the auxiliary storage device 213. The recording medium may be in any form as long as it can store a program such as a CD-ROM or a memory card and the device can read it.

The clock 214 functions as a time information source for the accounting machine 20. The processor 211 clocks the current date and time based on the time information clocked by the clock 214.

The change machine interface 215 performs data communication with the automatic change machine. The change machine interface 215 receives data on the amount of money inserted, data on the number of coins stored, and the like from the automatic change machine. The change machine interface 215 transmits change data to the automatic change machine.

The communication interface 216 is connected to the communication network 2. The communication interface 216 performs data communication with another device connected via the communication network 2 according to a communication protocol.

The touch panel 217 is a device having both an input device and a display device of the accounting machine 20. The touch panel 217 detects a touch position with respect to the displayed image and outputs the touch position information to the processor 211.

The scanner 218 is an example of a reading device that reads a code symbol such as a bar code symbol and a two-dimensional code symbol such as a QR code (registered trademark). The scanner 218 may be a type that reads a code symbol by scanning a laser beam, or may be a type that reads a code symbol from an image captured by an imaging device. The scanner 218 outputs data to the processor 211 by reading not only the barcode attached to the product but also the barcode attached to the membership card. This allows the member to input the member ID with the scanner 218.

The printer 219 issues a receipt by printing various character strings, images, or the like on the receipt paper. As the printer 219 of this type, for example, a thermal printer, a dot impact printer, or the like can be used. The printer 219 functions as a printing device of the accounting machine 20.

The reader 220 reads the data recorded on the recording medium and outputs the read data to the processor 211. The reader 220 is a magnetic card reader when the recording medium is a magnetic card, and is an IC card reader when the recording medium is a contact type IC card. In the case of a recording medium using RFID (Radio Frequency Identification) such as a non-contact IC card or a smartphone, an RFID reader is used as a reader 220.

FIG. 6 is a flow chart showing a main part control procedure of the processor 211 in the accounting machine 20. 7 and 8 are flow charts showing a main part control procedure of the processor 11 in the member server 10.

Hereinafter, the main operation of the information processing system 1 will be described with reference to these flow charts. The operation described below is an example. The procedure is not particularly limited as long as similar results can be obtained.

First, when the accounting machine 20 in the store is started up, the processor 211 starts information processing of the procedure shown in the flow chart of FIG.

When the member who is a purchaser finishes shopping, he / she goes to the checkout counter for checkout. The processor 211 waits for the data of the membership card to be read by the scanner 218 or the reader 220 as the ACT1. When the data of the membership card is read, the processor 211 determines YES in ACT1 and proceeds to ACT2.

The processor 211 controls the communication interface 216 so as to transmit the member command to the member server 10 as ACT2. By this control, the communication interface 216 transmits a member command. The membership command includes the membership ID of the membership card read by the scanner 218 or the reader 220.

The processor 11 of the member server 10 that has received the member command starts the command reception process of the procedure shown in the flow chart of FIG.

The processor 11 detects the member ID from the member command as the ACT 21. Then, the processor 11 authenticates the member identified by the member ID as the ACT 22. Specifically, the processor 11 confirms whether or not the member data record 1311 including the member ID exists in the member database 131.

If the corresponding member data record 1311 does not exist in the member database 131, the processor 11 determines NO in the ACT 22 and proceeds to the ACT 23. The processor 11 controls the communication interface 14 so as to send a denial response command to the accounting machine 20 as the ACT 23. By this control, a denial response command is transmitted from the communication interface 14. The denial response command is received by the accounting machine 20 via the communication network 2.

If the corresponding member data record 1311 exists in the member database 131, the processor 11 determines YES in the ACT 22 and proceeds to the ACT 24. The processor 11 controls the communication interface 14 so as to send an approval response command to the accounting machine 20 as the ACT 24. By this control, the approval response command is transmitted from the communication interface 14. The approval response command is received by the accounting machine 20 via the communication network 2. The approval response command includes a member ID.

In this way, the member server 10 that has received the member command transmits a denial or approval response command in the ACT 23 or ACT 24 to the accounting machine 20 that is the source of the member command. When the processor 11 finishes transmitting any of the response commands, the processor 11 ends the member command receiving process.

Returning to the description of FIG.
The processor 211 of the accounting machine 20 that controls the transmission of the member command in the ACT 2 waits for the approval response command from the member server 10 as the ACT 3. When the denial response command is received from the member server 10, the processor 211 determines NO in ACT3 and returns to ACT1.

When the approval response command is received from the member server 10, the processor 211 determines YES in ACT3 and proceeds to ACT4.

The processor 211 stores the member ID included in the approval response command as ACT4 in the main memory 212.

The processor 211 causes the touch panel 217 to display the purchase registration screen as the ACT5. Although not shown, an area for displaying the product name, the purchase price, and the total price of the product registered for purchase is formed on the purchase registration screen.

The processor 211 confirms whether or not the purchase registration has been performed as ACT6. Specifically, when the scanner 218 detects that the barcode of the purchased product is read or the button of the product without the barcode is touched by the signal from the touch panel 217, the processor 211 recognizes that the purchased product has been registered. do.

When the purchase registration is performed, the processor 211 determines YES in the ACT 6 and proceeds to the ACT 7. The processor 211 executes the purchase registration process as ACT7. That is, the processor 211 generates purchased product data including the product code, unit price, number of purchased points, and purchased amount of the registered purchased product. The product code is product identification data set for each product in order to individually identify the product. Each product is usually accompanied by a barcode indicating the product code. The purchase point is the number of purchases of the product identified by the product code, and the purchase amount is the amount obtained by multiplying the unit price and the purchase number. Further, the processor 211 calculates the total amount at the present time based on the purchased product data. The total amount is the total purchase amount included in the purchased product data. Since such a purchase registration process is a well-known process, the details thereof will be omitted. When the processing of ACT7 is completed, the process returns to ACT6. That is, when it is confirmed that the purchase registration has been performed again in the standby state of the ACT 6, the processor 211 executes the processes of the ACT 6 and the ACT 7 in the same manner as described above.

If the purchase registration has not been performed, the processor 211 determines NO in the ACT 6 and proceeds to the ACT 8. The processor 211 confirms whether or not the purchase registration is completed as ACT8. Specifically, when it is detected that the subtotal button is touched by the signal from the touch panel 217, the processor 211 recognizes that the purchase registration is completed. If the purchase registration is not completed, the processor 211 determines NO in the ACT 8 and returns to the ACT 6.

When the purchase registration is completed, the processor 211 determines YES in the ACT 8 and proceeds to the ACT 9. The processor 211 controls the communication interface 216 so as to transmit the registration completion command as the ACT 9 to the member server 10. By this control, the registration completion command is transmitted from the communication interface 216. The registration completion command is received by the member server 10 via the communication network 2. The registration completion command includes the member ID of the membership card, the total amount, and the current date. The current date is, for example, the transmission date of the registration completion command, timed by clock 214.

Upon receiving the registration completion command, the processor 11 of the member server 10 starts the command reception process of the procedure shown in the flow chart of FIG.

The processor 11 detects the member ID as the ACT 31 from the registration completion command. The processor 11 extracts the member data record 1311 associated with the member ID as the ACT 32.

The processor 11 updates the member data record 1311 as the ACT 33. Specifically, the total purchase amount included in the registration completion command is added to the cumulative purchase amount of the member data record 1311 to update the newly calculated cumulative purchase amount, and the latest transaction date is registered. Update to the current date contained in the command. Further, the processor 11 counts up the number of visits by "1".

The processor 11 searches the credit evaluation table 121 as the ACT 34. The processor 11 acquires the rank corresponding to the credit limit and the mark corresponding to the rank based on the number of store visits updated by the processing of the ACT 33 as the ACT 35 and the cumulative purchase amount.

The processor 11 confirms whether or not the rank stored in the member data record 1311 as the ACT 36 and the rank acquired by the processing of the ACT 35 are different. If the ranks are the same, the processor 11 determines NO in the ACT 36 and proceeds to the ACT 38. The processing of ACT38 will be described later.

If the ranks are different, the processor 11 determines YES in the ACT 36 and proceeds to the ACT 37. The processor 11 updates the rank of the member data record 1311 as the ACT 37.

The processor 11 generates a credit evaluation code 100 (see FIG. 9) as an ACT 38.

FIG. 9 is a schematic diagram showing an example of the credit evaluation code 100. As shown in FIG. 9, the credit evaluation code 100 is composed of a QR code, an image of a mark, and an image of a credit expiration date. The QR code contains data on rank, credit limit and credit expiration date. The credit expiration date is the expiration date that the store can set in advance. In the case of FIG. 9, it is shown that credits can be made up to 100,000 yen, which is the credit limit corresponding to the star mark, from the current transaction date, which is the latest transaction date, to the last day of December, which is the closest. Since such image processing is a well-known process, the details thereof will be omitted. The content and image of the text data displayed in FIG. 9 is an example. Further, the image of the mark and the expiration date of the credit may be a photograph or the like.

Returning to the description of FIG.
The processor 11 controls the communication interface 14 so as to send a generation command to the accounting machine 20 as an ACT 39. By this control, the generation command is transmitted from the communication interface 14. The generation command is received by the accounting machine 20 via the communication network 2. The generation command includes a credit evaluation code 100.

Returning to the description of FIG.
The processor 211 of the accounting machine 20 that controls the transmission of the registration completion command in the ACT 9 waits for the generation command from the member server 10 as the ACT 10.

When the generation command is received from the member server 10, the processor 211 determines YES in the ACT 10 and proceeds to the ACT 11.

The processor 211 causes the touch panel 217 to display the payment screen as the ACT 11. Although not shown, the payment screen displays, for example, the total amount of products registered for purchase.

The processor 211 executes the payment process as the ACT 12. Since the payment process is a well-known process, detailed description thereof will be omitted.

The processor 211 controls the printer 219 as the ACT 13 to issue a receipt (see FIG. 10). With the above, the processor 211 ends the information processing of the procedure shown in the flow chart of FIG.

FIG. 10 is a schematic diagram showing an example of the receipt 200. As shown in FIG. 10, the receipt 200 is printed with detailed information and accounting information of purchased products. Further, the credit evaluation code 100 is printed on the receipt 200. The content and image of the text data displayed in FIG. 10 are examples.

As is clear from the above description, the member server 10, which is an example of the information processing apparatus, constitutes the first acquisition means by the processor 11 executing the process of the ACT 33 of FIG. That is, the member server 10 acquires the first information for performing credit evaluation regarding the purchaser's commercial transaction, that is, the number of visits to the store and the cumulative purchase amount.

The member server 10 constitutes a second acquisition means by the processor 11 executing the process of the ACT 37 of FIG. That is, the member server 10 acquires the second information, that is, the rank corresponding to the credit limit amount based on the number of store visits and the cumulative purchase amount.

The member server 10 constitutes an output means by the processor 11 executing the processes of the ACT 38 and the ACT 39 of FIG. That is, the member server 10 outputs the rank.

As described above, according to the present embodiment, the credit evaluation code 100 is printed on the receipt 200. Therefore, in the event of a disaster or the like, the member brings to the store a receipt 200 on which the credit evaluation code 100 is printed, which is within the expiration date of the credit. When the store side reads the credit evaluation code 100 with the scanner 218, the touch panel 217 displays the credit limit. Therefore, it is possible to know the credit limit of the member. Even if the scanner 218 does not function, the store can visually know the credit limit of the member from the mark displayed on the credit evaluation code 100. Therefore, the member can obtain the product up to the credit limit.

Further, the credit evaluation code 100 is composed of a QR code, a mark, etc., and the rank of the member and the credit limit are not directly displayed. Therefore, only the store can confirm the credit limit from the QR code or the mark without leaking the member's personal information. Therefore, leakage of personal information can be prevented.

(Second Embodiment)
Next, the second embodiment will be described.

In the first embodiment, it has been explained that the credit expiration date is set in advance by the store.
In the second embodiment, the credit expiration date is determined in association with the transaction date. Note that FIGS. 1, 3 to 7, 9 and 10 used in the description of the first embodiment are common to the second embodiment, and thus the description thereof will be omitted here.

FIG. 11 is a flow chart showing a main part control procedure of the processor 11 in the member server 10 in the second embodiment. The operation described below is an example. The procedure is not particularly limited as long as similar results can be obtained.

As the ACT 41 and the ACT 42, the processor 11 executes the same processing as the ACT 31 and the ACT 32 of the first embodiment. Then, the processor 11 calculates the difference between the transaction dates before and after the update as the ACT 43. Specifically, the difference days between the latest transaction date stored in the member data record 1311 of the member database 131 and the current date included in the registration completion command is calculated.

The processor 11 searches the deadline table 122 (see FIG. 12) as the ACT 44. In the second embodiment, the member server 10 stores the expiration date table 122 together with the credit evaluation table 121 in the volatile memory area in the main memory 12.

FIG. 12 is a schematic diagram showing an example of the deadline table 122 in the second embodiment. As shown in FIG. 12, the deadline table 122 is a data table composed of a difference number of days between transaction dates before and after renewal and a valid period. The validity period is the period that can be sold from the current transaction date, which is the latest transaction date. For example, if the number of days from the previous visit to the current visit is short, a long validity period is set assuming that the member is continuously visiting the store. The items related to the deadline are not limited to the above items. In addition, how to set the difference days and the validity period is arbitrary. The difference days and the valid period may be fixed values at the store or may be appropriately changed to desired values.

The processor 11 calculates the credit sales expiration date, for example, the credit sales expiration month based on the difference days calculated by the processing of the ACT 43 as the ACT 45 and the validity period of the expiration date table 122.

As ACT46 to ACT50, the processor 11 executes the same processing as ACT33 to ACT37 of the first embodiment. Then, the processor 11 generates the credit evaluation code 100 as the ACT 51. The QR code of the credit evaluation code 100 includes data of the rank, the credit limit amount, and the credit expiration date calculated by the processing of the ACT 45.

As the ACT 52, the processor 11 executes the same processing as the ACT 39 of the first embodiment. With the above, the processor 11 ends the information processing of the procedure shown in the flow chart of FIG.

As described above, in the second embodiment, the credit expiration date is determined in association with the transaction date. The credit evaluation of a member is determined from the number of visits, the cumulative purchase amount, and the transaction date. Therefore, the store side can perform a more rigorous credit evaluation, and can make a highly reliable and reliable credit.

Although the information processing apparatus and the embodiment of the control program thereof have been described above, the embodiment is not limited to this.

In the above embodiment, a case where a member of a store is targeted is illustrated. If you are a non-member purchaser, bring multiple receipts issued at the store, determine the credit limit based on the transaction date and total amount of the receipt, and mark the mark corresponding to the credit limit. You may issue a printed matter with it and give it to the purchaser. In the event of a disaster, the purchaser will be treated in the same way as a member by bringing the printed matter to the store.

In the above embodiment, it has been explained that the credit evaluation code 100 is printed on the receipt 200. For example, separately from the receipt 200, a paper medium on which the credit evaluation code 100 is printed may be issued. Further, the member registered in the electronic receipt service may be set so that the image data of the credit evaluation code 100 can be acquired by the mobile terminal such as a smartphone owned by the member.

In the above embodiment, the credit limit is determined based on the number of store visits and the cumulative purchase amount in units of one month, but the present invention is not limited to this. For example, it may be weekly, several months, or the like. In addition, the credit limit may be determined based on the number of points issued by the store as a privilege, the number of stamps, and the like.

In addition, although some embodiments of the present invention have been described, these embodiments are presented as examples and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other embodiments, and various omissions, replacements, and changes can be made without departing from the gist of the invention. These embodiments and variations thereof are included in the scope of the invention, and are also included in the scope of the invention described in the claims and the equivalent scope thereof.

1 ... Information processing system, 2 ... Communication network, 10 ... Member server, 11,211 ... Processor, 12,212 ... Main memory, 13,213 ... Auxiliary storage device, 14,216 ... Communication interface, 15,221 ... System transmission Road, 20 ... Accounting machine, 121 ... Credit evaluation table, 122 ... Deadline table, 131 ... Member database, 214 ... Clock, 215 ... Change machine interface, 217 ... Touch panel, 218 ... Scanner, 219 ... Printer, 220 ... Reader, 1311 … Member data record.

Claims (6)

A first acquisition method for acquiring the first information for performing a credit evaluation regarding a buyer's commercial transaction, and
A second acquisition means for acquiring the second information corresponding to the credit limit based on the first information, and
An output means for outputting the second information and
Information processing device equipped with. The information processing apparatus according to claim 1, wherein the output means outputs the deadline information related to the credit sale together with the second information. The information processing apparatus according to claim 1, wherein the first information is information based on at least one of the number of times of the commercial transaction and the amount of money related to the commercial transaction. The information processing apparatus according to claim 1, wherein the second information is a code symbol that can be read by a reader. The information processing apparatus according to claim 1, wherein the second information is an image. The computer of the information processing device,
A first acquisition method for acquiring the first information for performing a credit evaluation regarding a buyer's commercial transaction,
A second acquisition means for acquiring the second information corresponding to the credit limit based on the first information,
An output means for outputting the second information,
A control program to function as.

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