JP2023031118A - Information processing device, information processing method and information processing program - Google Patents

Abstract

To appropriately carry out immediate payment of purchasing fees.SOLUTION: This information processing device comprises: an acquisition unit for acquiring information of an article that a user wishes to buy; an assessment unit for performing preliminary assessment based on article information and determining the accessed amount of the article; and a presentation unit for presenting to the user a presentable portion of the assessed amount of the article having been determined by preliminary assessment before shipping the article. The information processing device further includes a determination unit for determining whether or not the article satisfies a prescribed condition. When the article does not satisfy the prescribed condition, the presentation unit presents to the user a presentable portion of the assessed amount of the article having been determined by preliminary assessment unit before shipping the article.SELECTED DRAWING: Figure 1

Description

Applied for Article 30, Paragraph 2 of the Patent Act Photo is OK. https://auctions. Yahoo. co. jp/topic/promo/assess/index. html

The present invention relates to an information processing device, an information processing method, and an information processing program.

The user can obtain a provisional assessment result without providing the user's personal information to the purchaser to whom the assessment estimate is requested, and the system authenticates the user and manages the personal information, thereby making it easier for the purchaser. A technique is disclosed that provides a mechanism for ensuring the reliability of transactions related to the request for assessment and quotation.

WO2017/033255

However, as in the above-mentioned conventional technology, although there is a purchase intermediary system itself, it is not used because users do not know whether their belongings (possessions) can really be sold or whether they can be sold at an acceptable price. something happened. Therefore, if it is possible to make users realize that their belongings can be “really sold” by implementing instant appraisal and immediate payment, it is expected that it will lead to promotion of purchase use.

The present application has been made in view of the above, and aims to appropriately implement the immediate payment of the purchase price.

An information processing apparatus according to the present application includes an acquisition unit that acquires information on an item that a user desires to purchase, an assessment unit that performs a pre-assessment based on the information on the item and determines an appraisal value of the item, and a pre-assessment unit. and a providing unit that provides the user with the available portion of the assessed value of the item determined by the method before shipping the item.

According to one aspect of the embodiment, immediate payment of purchase price can be properly implemented.

FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. FIG. 2 is a diagram showing a classification table in which products are classified by purchase source. FIG. 3 is an explanatory diagram of a method of calculating a purchase price for each category of product purchase source. FIG. 4 is a diagram showing an example of conditions and determination results regarding immediate payment of purchase price. FIG. 5 is a diagram illustrating a configuration example of an information processing system according to the embodiment; FIG. 6 is a diagram illustrating a configuration example of a terminal device according to the embodiment; FIG. 7 is a diagram illustrating a configuration example of a purchasing server according to the embodiment; FIG. 8 is a diagram showing an example of a user information database. FIG. 9 is a diagram showing an example of the history information database. FIG. 10 is a diagram showing an example of the product information database. FIG. 11 is a diagram showing an example of an assessment database. FIG. 12 is a flowchart illustrating a processing procedure according to the embodiment; FIG. 13 is a diagram illustrating an example of a hardware configuration;

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Also, in the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Outline of information processing method]
First, an outline of an information processing method performed by an information processing apparatus according to an embodiment will be described with reference to FIG. FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. In addition, in FIG. 1, the case where the purchase price is immediately paid (immediate payment) will be described as an example.

As shown in FIG. 1 , the information processing system 1 includes a terminal device 10 and a purchase server 100 . The terminal device 10 and the purchase server 100 are connected to communicate with each other by wire or wirelessly via a network N (see FIG. 5). In this embodiment, the terminal device 10 cooperates with the purchase server 100 .

The terminal device 10 is a smart device such as a smartphone or tablet used by a user U (user), and communicates with an arbitrary server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). It is a portable terminal device capable of performing The terminal device 10 has a screen such as a liquid crystal display and has a touch panel function. Accepts various operations for . An operation performed on an area where content is displayed on the screen may be an operation on the content. In addition, the terminal device 10 may be an information processing device such as a desktop PC (Personal Computer) or a notebook PC as well as a smart device.

The purchase server 100 cooperates with the terminal device 10 of each user U, and provides the terminal device 10 of each user U with API (Application Programming Interface) services for various applications (hereinafter referred to as apps) and various data. and is realized by a server device, a cloud system, or the like.

Also, the purchase server 100 may be an information processing device that provides some kind of web service online to the terminal device 10 of each user U. FIG. For example, the purchase server 100 provides web services such as Internet connection, search service, SNS (Social Networking Service), electronic commerce, electronic payment, online games, online banking, online trading, accommodation/ticket reservation, video/music distribution, news, etc. , maps, route search, route guidance, route information, operation information, weather forecast, and other services. In practice, the purchase server 100 may cooperate with various servers that provide web services as described above, mediate the web services, or take charge of the processing of the web services.

The purchase server 100 can acquire user information about the user U. For example, the purchase server 100 acquires information about attributes of the user U, such as the user's U gender, age, and area of residence. The purchase server 100 stores and manages identification information indicating the user U (user ID, etc.) and information about the attributes of the user U.

Also, the purchase server 100 acquires various types of history information (log data) indicating the actions of the user U from the terminal device 10 of the user U or from various servers based on the user ID or the like. For example, the purchase server 100 acquires a location history, which is a history of the user U's location and date and time, from the terminal device 10 . The purchase server 100 also acquires a search history, which is a history of search queries input by the user U, from a search server (search engine). Also, the purchase server 100 acquires a viewing history, which is a history of content viewed by the user U, from the content server. The purchase server 100 also acquires a purchase history (payment history), which is a history of user U's product purchases and payment processing, from an electronic commerce server or a payment processing server. Further, the purchase server 100 may acquire the exhibition history and the sales history, which are the history of the user U's exhibition in the marketplace, from the electronic commerce server or the settlement server. In addition, the purchase server 100 acquires the posting history, which is the posting history of the user U, from a posting server that provides a word-of-mouth posting service or an SNS server.

In this embodiment, the purchase server 100 receives a purchase application from the terminal device 10 of each user U, performs a preliminary assessment (immediate assessment) based on the application information, determines whether immediate payment is possible, and determines whether immediate payment is possible. If it is determined to be, part or all of the purchase price will be paid immediately. Further, the purchase server 100 performs a post-assessment (main assessment) for a specific product, and if there is a difference between the post-assessment amount and the immediate payment amount, the purchase server 100 pays the difference at a later date. The post-assessment may include authenticity determination (genuine product determination). A product is an article (property) owned by a user, and is an article that the user desires to purchase. In other words, the product is only one example of the trading object.

[1-1. Settlement using the terminal device 10]
Here, an example of payment (electronic payment) using the terminal device 10 will be described prior to the information processing according to the embodiment. In the following description, a two-dimensional code (QR code (registered trademark)) placed at the store A, which is a two-dimensional code indicating store identification information for identifying the store A, is used by the user U to access the terminal. An example of making a payment using the device 10 will be described, but the embodiment is not limited to this. An example of payment described below is also applicable when any user uses any terminal device 10 to make payment at any store. The store identification information may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases a payment target (transaction target) such as various products and services at the store A, the user U installs a payment application ( Start the payment app). Then, the user U photographs the store identification information installed in the store A via the payment application. In such a case, the terminal device 10 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U or the store clerk M at the store A. FIG. Then, the terminal device 10 stores user identification information that identifies the user U, store identification information (or information indicated by the store identification information, that is, information indicating the store A (e.g., store ID)), and a settlement amount. to the settlement server.

The payment server provides an electronic payment service related to payment (electronic payment) using the terminal device 10 . In addition, the settlement server manages the account of the business that provides the transaction object such as goods and services, and the account of the user who is provided with the transaction object, and according to the payment request from the user, Realize various settlements by transferring electronic money. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

In such a case, the settlement server transfers the amount of electronic money indicated by the settlement amount from the account of user U indicated by the user identification information to the account of store A indicated by the store identification information. Then, the settlement server transmits a notification to the effect that the settlement has been completed to the terminal device 10 . In such a case, the terminal device 10 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

Note that the settlement using the terminal device 10 is not limited to the processing described above. For example, the payment using the terminal device 10 may be made using a store terminal installed in the store A. For example, the terminal device 10 displays user identification information for identifying the user U on the screen. In such a case, the store terminal installed in the store A reads the user identification information displayed on the terminal device 10, and identifies the user identification information (or information indicated by the user identification information, that is, the user U). (for example, user ID)), the settlement amount, and the information identifying the store A is transmitted to the settlement server. In such a case, the settlement server transfers the amount of electronic money indicated by the settlement amount from the account of user U indicated by the user identification information to the account of store A, In response, the fact that the payment has been made may be notified by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the terminal device 10 includes not only the process of transferring electronic money from an account charged with electronic money in advance by the user U to the account of the store A, but also a credit card pre-registered by the user U, for example. may be used for settlement. In such a case, for example, the terminal device 10 may transfer electronic money for the settlement amount to the account of the store A, and may charge the operating company of the user U's credit card for the settlement amount.

[1-2. Information processing according to the embodiment]
As shown in FIG. 1, the terminal device 10 of the user U transitions to the purchase form in response to the operation of the user U (step S1). For example, the terminal device 10 transitions to a purchase form in response to an operation by the user U on a payment application, a search engine, an auction application, a flea market application, or a list of items belonging to the user U, or the like. At this time, the payment application, the search engine, the auction application, the flea market application, the inventory list, etc., are displayed by the user U through buttons, links, etc., or automatically when the user U registers/designates his/her property. may be directed to the purchase form. Note that the item list may be the user U's past product purchase history or the like.

Subsequently, the terminal device 10 of the user U inputs the information of the product that the user U desires to purchase in the purchase form according to the operation of the user U (step S2). At this time, when the user U designates a product that the user U wishes to purchase in a payment application, a search engine, an auction application, a flea market application, or an inventory list, the terminal device 10 automatically inputs information on the product. may

Subsequently, the terminal device 10 of the user U transmits the product information entered in the purchase form to the purchase server 100 according to the operation of the user U, and makes a purchase application (step S3). For example, when the user U presses a purchase application button displayed on the purchase form, the terminal device 10 transmits product information entered in the purchase form to the purchase server 100 and makes a purchase application.

Subsequently, when the purchase application is received from the terminal device 10 of the user U, the purchase server 100 performs a pre-assessment (immediate assessment) and determines the conditions for the immediate payment (immediate payment) of the purchase price (step S4). ). At this time, the purchasing server 100 refers to an assessment database (assessment DB) updated by a business operator (purchasing business operator) who actually conducts electronic commerce of the product. The appraisal database stores data on commodities that can be purchased by businesses and their purchase prices. Operators provide data to the valuation database on a regular basis. Then, the purchase server 100 calculates the purchase price of the product based on the data in the appraisal database.

(Product classification)
As shown in FIG. 2, as part of the pre-assessment, the purchase server 100 classifies the product that the user U wishes to purchase by purchase source (acquisition source, acquisition route) of the product. FIG. 2 is a diagram showing a classification table in which products are classified by purchase source. In practice, when the terminal device 10 of the user U inputs the information of the product that the user U wishes to purchase in the purchase form, the products may be classified according to the purchase source. Depending on where you purchased the product, how much information you have for pre-assessment will vary.

In this embodiment, the purchase server 100 stores the product that the user U desires to purchase as "A. ZZ purchase history", "BY purchase history", "C. New registration", "A'. It is classified into four patterns of "goods". However, these are only examples.

"A. ZZ purchase history" is a product that the user U has purchased online in the electronic commerce site/application "Pmall ZZ shop" in the past, and is left in the purchase history. The electronic commerce site/application “Pmall ZZ store” is an example of an electronic commerce site/application of a business operator (purchasing business operator) who actually conducts electronic commerce of products that the user U wishes to purchase.

“B.Y purchase history” is products that the user U has purchased online in the past through the e-commerce site/application “Y Shopping” and that are left in the purchase history. The electronic commerce site/application “Y Shopping” is an electronic commerce site/application other than the purchasing business, and is an example of an electronic commerce site/application in which the purchasing server 100 can track/know the purchase history.

"C. New registration" is a product that the user U has purchased at a physical store in the past and is not stored in the purchase history. In addition, items purchased/obtained other than the above are also included here. For example, products purchased online by the user U on an electronic commerce site/app where the purchase server 100 cannot track/know the purchase history, and products with no purchase history, such as products that the user U received from others. be

"A'. Model number specific product" is, for example, a product that the user U has purchased online in the e-commerce site/application "Y Shopping" in the past, and for which information indicating the model number of the product is known. In this embodiment, the purchase server 100 can identify the product identification information (ZZID) on the electronic commerce site/application “Pmall ZZ shop” based on the model number of the product. For example, product model numbers and product identification information are associated (mapping).

(pre-assessment)
As shown in FIG. 3, the purchase server 100 calculates the purchase price of the product in the pre-assessment according to the classification of the product by purchase source. FIG. 3 is an explanatory diagram of a method of calculating a purchase price for each category of product purchase source. In the present embodiment, an example will be described in which a product that the user U wishes to purchase is listed on the electronic commerce site/application “Pmall ZZ store”.

For example, when the classification of the purchase source of the product that the user U wishes to purchase is "A.ZZ purchase history", the purchase server 100 stores the product identification information (ZZID) used in the "P mall ZZ shop". is set as the purchase price of the product. In the example shown in FIG. 3, the purchase server 100 sets the purchase price of the product with the ZZID "12345" as "¥60,000" based on the ZZID "12345". The target is only the products handled at "P mall ZZ store", but the assessment is accurate.

In addition, when the classification of the purchase source of the product that the user U wishes to purchase is "B.Y purchase history", the purchase server 100 adds a predetermined rate to the purchase price on the e-commerce site/application "Y Shopping". Calculate the purchase price of the product by multiplying by In the example shown in FIG. 3, the purchase server 100 multiplies the purchase price "¥98,000" by the rate "0.5" according to the brand "LV" and the category "bag" to obtain the product purchase price "¥98.00". ,000×0.5=¥49,000”. The target is expanded to products handled by "Y shopping", but the assessment is a little rougher than in the case of "A.ZZ purchase history".

In addition, if the classification of the purchase source of the product that the user U wishes to purchase is “C. Estimated as payment. If the details of the product are unknown, the amount according to the brand and category will be determined according to the brand and category only. . In the example shown in FIG. 3, the purchase server 100 estimates the amount of money "¥9,000" corresponding to the brand "LV" and the category "bag" as the purchase price of the product. The target is not limited to a specific electronic commerce site/application, but anything can be purchased, but the assessment is rougher than in the case of "A.ZZ purchase history" and "B.Y purchase history".

In addition, if the purchase source classification of the product that the user U wishes to purchase is “A'. Identify the model number of the product purchased in , identify the product identification information (ZZID) used at "Pmall ZZ store" from the product model number, and identify the product identification information (ZZID) used at "Pmall ZZ store" ZZID) is set as the purchase price of the product. That is, the purchase server 100 merges with the "A.ZZ purchase history" from the product model number. Only products with a mapping between the model number and identification information (ZZID) of the product are targeted, but the assessment is as accurate as "A. ZZ purchase history". Even in the case of "B.Y purchase history" or "C. new registration", if the model number of the product can be specified, it will be promoted to "A'. model number specific product". "A'. Model number specific product" joins "A. ZZ purchase history".

As described above, in the present embodiment, the assessment method differs according to the product specificity. At this time, a priority is given to each of the classifications A, B, and C, which have different assessment methods. Here, A, B, and C are given higher priority in that order. B and C, which have a wider coverage than A (there are more target products), can overcome the drawback of "rough assessment" by upgrading them to A' by assigning model numbers.

In addition, the purchase server 100 may lower the limit of immediate deposit (for example, 5,000 yen) for items with rough pre-assessment accuracy (for example, patterns B and C in FIG. 3). In other words, the purchase server 100 may set or lower the upper limit of the immediate payment for items with rough pre-assessment accuracy.

(Condition judgment)
As shown in FIG. 4, the purchase server 100 selects immediate payment or deferred payment (requires post-assessment) depending on whether or not the product corresponds to a specific brand and whether or not the immediate payment amount is equal to or greater than a predetermined amount. decide. FIG. 4 is a diagram showing an example of conditions and determination results regarding immediate payment of purchase price. In this embodiment, the purchase server 100 determines conditions such as whether or not the products that the user U wishes to purchase include products of a specific brand, and whether or not the total purchase price is 10,000 yen or more. .

For example, the purchase server 100 may perform post-assessment (main assessment) and identification of user U (KYC: Know Your Customer) are not necessary, and the purchase price is to be paid immediately. In other words, the purchase server 100 determines that all low-priced products that do not include specific brand products that require authenticity determination should be paid immediately.

In addition, the purchase server 100 does not require a post-assessment if the products that the user U wishes to purchase do not include products of a specific brand and if the total purchase price is 10,000 yen or more. However, it is determined that identity verification (KYC) of user U is necessary, 9999 yen of the purchase price is paid immediately, and the remaining amount (the portion exceeding 10,000 yen) is used for identity verification (KYC). It is determined that payment will be made later (deferred payment).

In addition, if the product that the user U wishes to purchase includes a product of a specific brand and the total purchase price is less than 10,000 yen, the purchase server 100 performs post-assessment and use. It is determined that the identity verification (KYC) of the person U is necessary, and the purchase price for the non-specific brand is to be paid immediately, and the purchase price for the specific brand is to be paid later. Here, the reason why it is determined that user U's identity verification (KYC) is necessary is that the purchase price for a specific brand may change in the post-assessment, and the total purchase price may exceed 10,000 yen. This is because we are considering

In addition, if the product that the user U wishes to purchase includes a product of a specific brand and the total purchase price is 10,000 yen or more, the purchase server 100 performs post-assessment and use. Determined that identity verification (KYC) of person U is necessary, immediately paid 9999 yen of the purchase price for the non-specific brand, and the remaining amount (the portion exceeding 10,000 yen) and the purchase price for the specific brand. is determined to be deferred payment.

That is, the purchase server 100 determines that the purchase price for the specific brand should not be paid immediately, but should be paid later. In addition, if the total purchase price is 10,000 yen or more, the purchase server 100 determines that only 9,999 yen of the purchase price will be paid immediately, and the remaining amount (the portion exceeding 10,000 yen) will be paid later. do.

Subsequently, the purchase server 100 implements immediate payment (immediate payment) of the purchase price of the product according to the above determination result (step S5). In the present embodiment, the purchase server 100 immediately pays the available amount (the portion less than 10,000 yen) of the purchase price for the non-specific brand. At this time, the purchase server 100 deposits an amount equivalent to the purchase price in electronic money into the electronic money account of the user U. It should be noted that depositing money into an electronic money account includes instructing depositing money into an electronic money account.

In this embodiment, the purchase server 100 presents a confirmation screen showing purchase details (assessment results) to the terminal device 10 of the user U, and if the user U agrees to the purchase details, the user U ships the product. Before doing so, the purchase price will be paid immediately. In the present embodiment, the company sends a packing kit to the user U, and asks the user U to return the packing kit filled with products. It is also possible to have a bag, which is one of the commodities, packed with a plurality of commodities and send them for collective assessment.

In practice, the purchase server 100 allows the user U to ship the product only when the user U has used instant payment of the purchase price several times in the past and the user U has a track record. You may make it implement the immediate payment of the purchase price before before. Conversely, if the user U is a first-time user, an unregistered user, or an unlogged-in user, the purchase server 100 does not immediately pay the purchase price before the user U ships the product. The purchase price may be paid after the person U actually ships the product. In this case, the purchase server 100 pays the purchase price when the business confirms that the user U has shipped the product (or received the product).

Subsequently, the purchase server 100 performs the identity verification (KYC) of the user U when the identity verification (KYC) of the user U is required according to the above determination result (step S6). The method of identity verification is arbitrary. When the purchase server 100 successfully verifies the identity of the user U (KYC), the purchase server 100 proceeds to subsequent deferred payment processing. In practice, the purchase server 100 may perform identity verification (KYC) of the user U after the post-assessment (main assessment) and before payment of the purchase price (post-payment).

Subsequently, if post-assessment (main assessment) is necessary, purchase server 100 performs post-assessment according to the above determination result, and the remaining amount ( The portion exceeding 10,000 yen) and the purchase price for the specific brand are paid in arrears (step S7). In this embodiment, the post-assessment is performed after the product that the user U desires to purchase actually arrives at the business operator or the like. Therefore, in the post-assessment, it is possible to carry out a more multifaceted assessment than the pre-assessment (contents that can be found by checking the actual product, such as the condition of the product and the judgment of authenticity).

Note that if the products that the user U wishes to purchase do not include specific brand products, and only the purchase price for non-specific brand products, post-assessment is not necessary. In this case, after the identity verification (KYC), the purchase server 100 pays the remaining amount (the portion exceeding 10,000 yen) of the purchase price for the non-specific brand, excluding the amount paid immediately. For example, the purchase server 100 calculates the difference (difference) between the appraisal price of all products of the user U, including products of a specific brand, and the amount paid immediately, and converts the difference to the electronic money of the user U as electronic money. Deposit money into a money account. That is, the purchase server 100 instructs the payment server to charge the electronic payment account of the user U with electronic money for the advance payment.

Alternatively, the purchase server 100 may transfer the deferred payment to the user U's bank account. For example, the purchase server 100 instructs a server device of a financial institution such as a bank to remit a deferred payment from the account of the operator/manager of the purchase server 100 to the account of the user U.

Also, if the post-assessment is not performed, the difference will not occur. In this case, even if there is a difference (difference) between the actual selling price and the amount of the immediate payment, no payment is made assuming that the user U agrees to the immediate payment.

In the present embodiment, a product of a specific brand is described as an example of a product targeted for post-assessment. It may be a certain type of high-priced product or the like. For example, smart devices, PCs and their peripherals, household appliances, musical instruments, sporting goods, outdoor goods, high-priced products such as vehicles, ships, etc. may be used. It may also be antiques, vintage items, works of art, hobbies, culture, and other items that are traded at high prices among some dilettantes and maniacs.

In addition, the purchase server 100 may notify the user U that the product cannot be purchased without immediately paying the purchase price of the product. For example, the purchase server 100 cannot purchase a product whose transaction is prohibited or restricted, or when the purchase price of the product is less than a predetermined amount and the purchase and sale of the product would only result in a loss. The user U may be notified to that effect. The predetermined amount of money may be a handling charge, a delivery charge, or the like for the product. That is, the purchase server 100 may immediately pay the purchase price of the product if the product is tradable and the purchase price of the product in the pre-assessment is equal to or greater than a predetermined amount.

In addition, when the user U compares the purchase application of another business as the purchase destination of the product, the purchase server 100 may present a higher purchase price by adding a premium price. The amount of premium payment is arbitrary. The surcharge may be fixed or variable.

In addition, if there are a plurality of business operators from which products are purchased, the purchase server 100 may select the business operator that offers the highest purchase price and provide the user U with information on the selected business operator. good. Alternatively, the purchase server 100 may arrange the business operators in descending order of the presented purchase price and present them to the user U in a ranking format or a list format so that the user U can select a business operator.

Also, the purchase server 100 may obtain the purchase price of the product using a machine learning method. For example, the purchase server 100 constructs a purchase price estimation model using product information and purchase price as learning data. Then, the purchase server 100 inputs the product information to the purchase price estimation model and acquires the purchase price as an output. The product information includes the product brand, category, and the like. Moreover, the product information may include an image of the product. Also, the learning data may include user U's location information, attribute information, history information, and the like. For example, the purchase server 100 may estimate the condition of the product from the location information, attribute information, history information, and the like of the user U, and estimate the purchase price according to the condition of the product.

[2. Configuration example of information processing system]
Next, the configuration of the information processing system 1 including the purchasing server 100 according to the embodiment will be described with reference to FIG. FIG. 5 is a diagram showing a configuration example of the information processing system 1 according to the embodiment. As shown in FIG. 5, the information processing system 1 according to the embodiment includes a terminal device 10 and a purchase server 100. As shown in FIG. These various devices are communicatively connected via a network N by wire or wirelessly. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

Also, the number of devices included in the information processing system 1 shown in FIG. 5 is not limited to that illustrated. For example, in FIG. 5, only one terminal device 10 is shown for simplification of illustration, but this is only an example and is not limited, and two or more devices may be provided.

The terminal device 10 is an information processing device used by the user U. FIG. For example, the terminal device 10 includes smart devices such as smartphones and tablet terminals, feature phones, PCs (Personal Computers), PDAs (Personal Digital Assistants), game machines and AV equipment with communication functions, car navigation systems, smart watches, Wearable devices such as head-mounted displays, smart glasses, and the like.

In addition, the terminal device 10 is compatible with wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: fifth generation mobile communication system), Bluetooth (registered trademark), wireless LAN (Local It is possible to connect to the network N via short-range wireless communication such as Area Network) and communicate with the purchase server 100 .

The purchase server 100 is, for example, a PC, a server device, a mainframe, a workstation, or the like. The purchase server 100 may be realized by cloud computing.

[3. Configuration example of terminal device]
Next, the configuration of the terminal device 10 will be described with reference to FIG. FIG. 6 is a diagram showing a configuration example of the terminal device 10. As shown in FIG. As shown in FIG. 6, the terminal device 10 includes a communication unit 11, a display unit 12, an input unit 13, a positioning unit 14, a sensor unit 20, a control unit 30 (controller), and a storage unit 40. Prepare.

(Communication unit 11)
The communication unit 11 is connected to the network N (see FIG. 5) by wire or wirelessly, and transmits and receives information to and from the purchase server 100 via the network N. For example, the communication unit 11 is implemented by a NIC (Network Interface Card), an antenna, or the like.

(Display unit 12)
The display unit 12 is a display device that displays various information such as position information. For example, the display unit 12 is a liquid crystal display (LCD) or an organic EL display (Organic Electro-Luminescent Display). Also, the display unit 12 is a touch panel display, but is not limited to this.

(Input unit 13)
The input unit 13 is an input device that receives various operations from the user U. For example, the input unit 13 has buttons and the like for inputting characters, numbers, and the like. The input unit 13 may be an input/output port (I/O port), a USB (Universal Serial Bus) port, or the like. Moreover, when the display unit 12 is a touch panel display, a part of the display unit 12 functions as the input unit 13 . Also, the input unit 13 may be a microphone or the like that receives voice input from the user U. FIG. The microphone may be wireless.

(Positioning unit 14)
The positioning unit 14 receives signals (radio waves) transmitted from GPS (Global Positioning System) satellites, and based on the received signals, position information (for example, latitude and longitude). That is, the positioning unit 14 positions the position of the terminal device 10 . GPS is merely an example of GNSS (Global Navigation Satellite System).

Also, the positioning unit 14 can measure the position by various methods other than GPS. For example, the positioning unit 14 may measure the position using various communication functions of the terminal device 10 as described below as auxiliary positioning means for position correction and the like.

(Wi-Fi positioning)
For example, the positioning unit 14 measures the position of the terminal device 10 using the Wi-Fi (registered trademark) communication function of the terminal device 10 or the communication network provided by each communication company. Specifically, the positioning unit 14 performs Wi-Fi communication or the like and measures the position of the terminal device 10 by measuring the distance to a nearby base station or access point.

(beacon positioning)
The positioning unit 14 may also use the Bluetooth (registered trademark) function of the terminal device 10 to measure the position. For example, the positioning unit 14 measures the position of the terminal device 10 by connecting with a beacon transmitter connected by the Bluetooth (registered trademark) function.

(geomagnetic positioning)
Further, the positioning unit 14 positions the position of the terminal device 10 based on the geomagnetism pattern of the structure measured in advance and the geomagnetic sensor provided in the terminal device 10 .

(RFID positioning)
Further, for example, if the terminal device 10 has an RFID (Radio Frequency Identification) tag function equivalent to a contactless IC card used at station ticket gates, stores, etc., or has a function of reading an RFID tag In this case, the location used is recorded together with the information that the payment was made by the terminal device 10 . The positioning unit 14 may measure the position of the terminal device 10 by acquiring such information. Also, the position may be measured by an optical sensor provided in the terminal device 10, an infrared sensor, or the like.

The positioning unit 14 may measure the position of the terminal device 10 using one or a combination of the positioning means described above, if necessary.

(Sensor unit 20)
The sensor unit 20 includes various sensors mounted on or connected to the terminal device 10 . The connection may be wired connection or wireless connection. For example, the sensors may be detection devices other than the terminal device 10, such as wearable devices and wireless devices. In the example shown in FIG. 6, the sensor unit 20 includes an acceleration sensor 21, a gyro sensor 22, an atmospheric pressure sensor 23, an air temperature sensor 24, a sound sensor 25, an optical sensor 26, a magnetic sensor 27, and an image sensor ( camera) 28.

The sensors 21 to 28 described above are only examples and are not limited. That is, the sensor unit 20 may be configured to include a part of the sensors 21 to 28, or may include other sensors such as a humidity sensor in addition to or instead of the sensors 21 to 28. .

The acceleration sensor 21 is, for example, a three-axis acceleration sensor, and detects physical movements of the terminal device 10 such as movement direction, speed, and acceleration of the terminal device 10 . The gyro sensor 22 detects physical movements of the terminal device 10 such as inclination in three axial directions based on the angular velocity of the terminal device 10 and the like. The atmospheric pressure sensor 23 detects the atmospheric pressure around the terminal device 10, for example.

Since the terminal device 10 includes the above-described acceleration sensor 21, gyro sensor 22, barometric pressure sensor 23, etc., techniques such as pedestrian dead-reckoning (PDR: Pedestrian Dead-Reckoning) using these sensors 21 to 23, etc. , the position of the terminal device 10 can be determined. This makes it possible to acquire indoor position information that is difficult to acquire with a positioning system such as GPS.

For example, a pedometer using the acceleration sensor 21 can calculate the number of steps, walking speed, and distance walked. Further, by using the gyro sensor 22, it is possible to know the traveling direction, the direction of the line of sight, and the inclination of the body of the user U. Also, from the atmospheric pressure detected by the atmospheric pressure sensor 23, the altitude at which the terminal device 10 of the user U is present and the number of floors can be known.

The temperature sensor 24 detects the temperature around the terminal device 10, for example. The sound sensor 25 detects sounds around the terminal device 10, for example. The optical sensor 26 detects the illuminance around the terminal device 10 . The magnetic sensor 27 detects, for example, geomagnetism around the terminal device 10 . The image sensor 28 captures an image around the terminal device 10 .

The atmospheric pressure sensor 23, the temperature sensor 24, the sound sensor 25, the optical sensor 26, and the image sensor 28 described above detect the atmospheric pressure, temperature, sound, and illuminance, respectively, or capture an image of the surroundings to detect the terminal device 10. It is possible to detect the surrounding environment and situations. In addition, it is possible to improve the accuracy of the location information of the terminal device 10 based on the surrounding environment and situation of the terminal device 10 .

(control unit 30)
The control unit 30 includes, for example, a microcomputer having a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM, an input/output port, and various circuits. Also, the control unit 30 may be configured by hardware such as an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 30 includes a transmission unit 31 , a reception unit 32 and a processing unit 33 .

(Sending unit 31)
The transmission unit 31 receives, for example, various information input by the user U using the input unit 13, various information detected by the sensors 21 to 28 mounted on or connected to the terminal device 10, and information measured by the positioning unit 14. The location information of the terminal device 10 and the like can be transmitted to the purchase server 100 via the communication unit 11 .

(Receiver 32)
The receiving unit 32 can receive various information provided by the purchase server 100 and requests for various information from the purchase server 100 via the communication unit 11 .

(Processing unit 33)
The processing unit 33 controls the entire terminal device 10 including the display unit 12 and the like. For example, the processing unit 33 can output various types of information transmitted by the transmitting unit 31 and various types of information received by the receiving unit 32 from the purchase server 100 to the display unit 12 for display.

(storage unit 40)
The storage unit 40 is realized by, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a storage device such as HDD (Hard Disk Drive), SSD (Solid State Drive), or optical disk. be. Various programs, various data, and the like are stored in the storage unit 40 .

[4. Configuration example of purchase server]
Next, the configuration of the purchase server 100 according to the embodiment will be described using FIG. FIG. 7 is a diagram showing a configuration example of the purchasing server 100 according to the embodiment. As shown in FIG. 7 , purchase server 100 has communication unit 110 , storage unit 120 , and control unit 130 .

(Communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. Also, the communication unit 110 is connected to the network N (see FIG. 5) by wire or wirelessly.

(storage unit 120)
The storage unit 120 is implemented by, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a storage device such as HDD, SSD, or optical disk. As shown in FIG. 7, the storage unit 120 has a user information database 121, a history information database 122, a product information database 123, and an assessment database .

(User information database 121)
The user information database 121 stores user information about the user U. FIG. For example, the user information database 121 stores various information such as user U attributes. FIG. 8 is a diagram showing an example of the user information database 121. As shown in FIG. In the example shown in FIG. 8, the user information database 121 has items such as "user ID (Identifier)", "age", "gender", "home", "place of work", and "interest".

“User ID” indicates identification information for identifying the user U. The “user ID” may be the user U's contact information (telephone number, e-mail address, etc.), or may be identification information for identifying the user U's terminal device 10 .

"Age" indicates the age of the user U identified by the user ID. Note that the "age" may be information indicating a specific age of the user U (for example, 35 years old) or information indicating the age of the user U (for example, 30's). . Alternatively, the "age" may be information indicating the date of birth of the user U, or information indicating the generation of the user U (for example, born in the 80's). "Gender" indicates the gender of the user U identified by the user ID.

"Home" indicates location information of the home of the user U identified by the user ID. In the example shown in FIG. 8, "home" is represented by an abstract code such as "LC11", but may be latitude/longitude information or the like. Also, for example, "home" may be an area name or an address.

"Place of work" indicates location information of the place of work (school in the case of a student) of the user U identified by the user ID. In the example shown in FIG. 8, the "place of work" is illustrated as an abstract code such as "LC12", but may be latitude/longitude information or the like. Also, for example, the "place of work" may be an area name or an address.

"Interest" indicates the interest of the user U identified by the user ID. That is, "interest" indicates an object in which the user U identified by the user ID is highly interested. For example, the "interest" may be a search query (keyword) that the user U has entered into a search engine and searched for. In the example shown in FIG. 8, one "interest" is shown for each user U, but there may be more than one.

For example, in the example shown in FIG. 8, the age of the user U identified by the user ID "U1" is "twenties" and the gender is "male". Also, for example, the user U identified by the user ID "U1" indicates that the home is "LC11". Also, for example, the user U identified by the user ID "U1" indicates that the place of work is "LC12". Also, for example, the user U identified by the user ID "U1" indicates that he is interested in "sports".

Here, in the example shown in FIG. 8, abstract values such as "U1", "LC11", and "LC12" are used, but "U1", "LC11", and "LC12" are concrete values. It is assumed that information such as character strings and numerical values is stored. Hereinafter, abstract values may also be illustrated in diagrams relating to other information.

The user information database 121 is not limited to the above, and may store various types of information depending on the purpose. For example, the user information database 121 may store various types of information regarding the user U's terminal device 10 . In addition, the user information database 121 stores user U's demographics (demographic attributes), psychographics (psychological attributes), geographics (geographical attributes), behavioral attributes (behavioral attributes), etc. Information about attributes may be stored. For example, the user information database 121 includes name, family structure, hometown (local), occupation, position, income, qualification, residence type (detached house, condominium, etc.), presence or absence of car, commuting time, commuting time, commuting time. Information such as routes, commuter pass sections (stations, lines, etc.), frequently used stations (other than the nearest station to your home or place of work), lessons (places, time zones, etc.), hobbies, interests, lifestyle, etc. may

(History information database 122)
The history information database 122 stores various types of information related to history information (log data) indicating user U's actions. FIG. 9 is a diagram showing an example of the history information database 122. As shown in FIG. In the example shown in FIG. 9, the history information database 122 has items such as "user ID", "location history", "search history", "browsing history", "purchase history", and "posting history".

“User ID” indicates identification information for identifying the user U. "Position history" indicates a position history, which is a history of the user's U position and movement. Also, "search history" indicates a search history that is a history of search queries input by the user U. FIG. "Browsing history" indicates a browsing history that is a history of contents browsed by the user U. FIG. "Purchase history" indicates the purchase history of the user U's purchases. In addition, “posting history” indicates a posting history that is a history of posts by the user U. FIG. In addition, the “posting history” may include questions about user U's property.

For example, in the example shown in FIG. 9, the user U identified by the user ID “U1” moves along the “location history #1”, searches along the “search history #1”, It indicates that the content was browsed according to the "Purchase history #1", the predetermined product etc. was purchased at the predetermined store etc. according to the "Purchase history #1", and the content was posted according to the "Posting history".

Here, in the example shown in FIG. 9, abstract history such as "U1", "location history #1", "search history #1", "browsing history #1", "purchase history #1" and "posting history #1" "U1", "location history #1", "search history #1", "browsing history #1", "purchase history #1" and "posting history #1" , information such as specific character strings and numerical values are stored.

Note that the history information database 122 may store various types of information, not limited to the above, depending on the purpose. For example, the history information database 122 may store the user U's usage history of a predetermined service. In addition, the history information database 122 may store the user U's store visit history, facility visit history, and the like. In addition, the history information database 122 may store a history of payment (electronic payment) using the terminal device 10 of the user U, and the like.

(Product information database 123)
The product information database 123 stores various types of information on products that the user U wishes to purchase. FIG. 10 is a diagram showing an example of the product information database 123. As shown in FIG. In the example shown in FIG. 10, the product information database 123 includes "user ID", "product", "purchase source", "identification information", "model number", "brand", "category", and "purchase price". It has items such as

“User ID” indicates identification information for identifying the user U. In addition, "merchandise" indicates a merchandise (item) that the user U wishes to purchase. "Purchase source" indicates the purchase source of the product. "Identification information" indicates the identification information of the product at the purchase source of the product. "Model number" indicates the model number of the product. Also, "brand" indicates the brand of the product. Also, "category" indicates the category of the product. "Purchase price" indicates the purchase price of the product when purchased at the purchase source of the product.

For example, in the example shown in FIG. 9, the product "LV bag" that the user U identified by the user ID "U1" wishes to purchase is purchased from "P mall ZZ store" and has the identification information " 12345”, the model number is “abcde”, the brand is “LV”, the category is “bag”, and the purchase price is “¥98,000”.

It should be noted that the product information database 123 may store various types of information, not limited to the above, depending on the purpose. For example, the product information database 123 may store information regarding the condition of products. The product information database 123 may also store images of products.
(assessment database 124)
The appraisal database 124 stores various information regarding product appraisals. FIG. 11 is a diagram showing an example of the assessment database 124. As shown in FIG. In the example shown in FIG. 11, the appraisal database 124 includes items such as "business operator", "product", "identification information", "model number", "brand", "category", "rate", and "purchase price". have.

"Business operator" indicates a business operator (purchasing business operator) who actually conducts electronic commerce of products. In addition, "product" indicates the product handled by the business. "Identification information" indicates the identification information of the product of the business. "Model number" indicates the model number of the product. Also, "brand" indicates the brand of the product. Also, "category" indicates the category of the product. Also, "rate" indicates a rate corresponding to the brand and category of the product. "Purchase price" indicates the purchase price of the product when the business purchases the product. Here, the "purchase price" indicates the purchase price when the product is purchased from the business operator and the identification information of the product is known.

For example, in the example shown in FIG. 10, the product "LV bag" that can be purchased by the business operator "Pmall ZZ store" has the identification information "12345", the model number "abcde", and the brand "LV". , indicating that the category is “bag”, the rate is “0.5”, and the purchase price is “¥60,000”.

Note that the assessment database 124 may store various types of information, not limited to the above, depending on the purpose. For example, valuation database 124 may store monetary amounts according to brand and category. In addition, the assessment database 124 may store conditions regarding the condition of purchasable products. In addition, the assessment database 124 may store information related to the ranking of the best-selling products, the best-selling products, and the like.

(control unit 130)
Returning to FIG. 7, the description is continued. The control unit 130 is a controller, and for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like controls the purchase server 100. Various programs (corresponding to an example of an information processing program) stored in an internal storage device are executed by using a storage area such as a RAM as a work area. In the example shown in FIG. 7 , the control unit 130 has an acquisition unit 131 , an assessment unit 132 , a determination unit 133 , a confirmation unit 134 and a provision unit 135 .

(Acquisition unit 131)
The acquisition unit 131 acquires information on a product that the user U desires to purchase from the terminal device 10 of the user U via the communication unit 110 . For example, the acquisition unit 131 acquires product information entered in the purchase form by the user U's operation. A product is an article (property) owned by a user, and is an article that the user desires to purchase. In other words, the product is only one example of the trading object. In addition, the product that the user U desires to purchase is a product that the user U thinks it is okay to sell, and is also a product that the user U wishes to sell to others.

The acquisition unit 131 also acquires user information about the user U via the communication unit 110 . For example, the acquisition unit 131 acquires identification information (user ID, etc.) indicating the user U, location information of the user U, attribute information of the user U, and the like, from the terminal device 10 of the user U. FIG. Further, the acquisition unit 131 may acquire identification information indicating the user U, attribute information of the user U, and the like when the user U is registered as a user. Acquisition unit 131 then registers the user information in user information database 121 of storage unit 120 .

In addition, the acquisition unit 131 acquires various types of history information (log data) indicating actions of the user U via the communication unit 110 . For example, the acquisition unit 131 acquires various types of history information indicating actions of the user U from the terminal device 10 of the user U or from various servers based on the user ID or the like. The acquisition unit 131 then registers various types of history information in the history information database 122 of the storage unit 120 .

(Assessment unit 132)
The assessment unit 132 performs a pre-assessment (immediate assessment) based on the product information and determines the assessed value of the product. In addition, the assessment unit 132 performs a post-assessment (main assessment) when the product that the user U desires to purchase satisfies predetermined conditions, and Determine the remaining minutes excluding the provided minutes.

For example, the assessment unit 132 performs assessment based on data in an assessment database updated by a business operator (purchasing business operator) who actually conducts electronic commerce of the product, and determines the assessed value of the product. At this time, if the identification information of the product in the business is known, the assessment unit 132 determines the assessed price of the product based on the data in the assessment database. In addition, even if the product identification information of the business operator is not known, if the model number of the product is known, the assessment unit 132 identifies the product identification information of the business operator from the product model number, and makes an assessment. Based on the data in the database, determine the appraisal value of the product. In addition, the assessment unit 132 does not know the product identification information nor the model number of the product at the business operator, but if the product purchase price, product brand and category are known, the product purchase price , the assessed value of the product is calculated by multiplying the rate according to the brand and category of the product. Also, in cases other than the above, the assessment unit 132 calculates an amount according to the brand and category of the product as the assessed price of the product.

Also, the assessment unit 132 may determine the assessed value of the product using a machine learning technique. For example, the assessment unit 132 constructs an assessment price estimation model using product information and assessment prices as learning data. Then, the assessment unit 132 inputs the product information to the assessment price estimation model and acquires the assessment price as an output. The product information includes the product brand, category, and the like. Moreover, the product information may include an image of the product. Also, the learning data may further include user U's location information, attribute information, history information, and the like. For example, the assessing unit 132 may estimate the condition of the product from the location information, attribute information, history information, and the like of the user U, and estimate the purchase price according to the condition of the product.

Note that the assessment unit 132 may be a determination unit that determines the assessed value of the product, or a calculation unit that calculates the assessed value of the product.

(Determination unit 133)
The determination unit 133 determines whether or not the product that the user U desires to purchase satisfies a predetermined condition. For example, the determination unit 133 determines whether or not the assessed value of the product that the user U wishes to purchase is equal to or greater than a predetermined amount (for example, 10,000 yen). The determination unit 133 also determines whether or not the products that the user U desires to purchase include products of a specific type (such as a specific brand).

For example, if the product that the user U wishes to purchase does not include a product of a specific brand and the total purchase price is less than 10,000 yen, the determination unit 133 determines that the post-assessment and use It is determined that identity verification (KYC: Know Your Customer) of person U is unnecessary, and that the purchase price is to be paid immediately. In other words, the determining unit 133 determines that the full amount of the low-price product, which does not include a specific brand product that requires authenticity determination, should be paid immediately.

In addition, the determination unit 133 does not require a post-assessment if the products that the user U wishes to purchase do not include products of a specific brand and if the total purchase price is 10,000 yen or more. However, it is determined that identity verification (KYC) of user U is necessary, and 9999 yen of the purchase price is to be paid immediately, and the remaining amount (the portion exceeding 10,000 yen) is to be paid later.

In addition, when the product that the user U wishes to purchase includes a product of a specific brand and the total purchase price is less than 10,000 yen, the determination unit 133 performs post-assessment and utilization. It is determined that the identity verification (KYC) of the person U is necessary, and the purchase price for the non-specific brand is to be paid immediately, and the purchase price for the specific brand is to be paid later. Here, the reason why it is determined that user U's identity verification (KYC) is necessary is that the purchase price for a specific brand may change in the post-assessment, and the total purchase price may exceed 10,000 yen. This is because we are considering

In addition, if the product that the user U wishes to purchase includes a product of a specific brand and if the total purchase price is 10,000 yen or more, the determination unit 133 determines the post-assessment and use of the product. Determined that identity verification (KYC) of person U is necessary, immediately paid 9999 yen of the purchase price for the non-specific brand, and the remaining amount (the portion exceeding 10,000 yen) and the purchase price for the specific brand. is determined to be deferred payment.

(Confirmation unit 134)
The confirmation unit 134 performs identity confirmation (KYC) of the user U when the product that the user U desires to purchase satisfies a predetermined condition. For example, the confirmation unit 134 checks that the product that the user U wishes to purchase has a specific type (specific brand, etc.), identity verification (KYC) of the user U is performed.

Note that the confirmation unit 134 may be an authentication unit that authenticates the user U. In this case, the confirmation unit 134 may authenticate the user U using biometric authentication, FIDO (Fast Identity Online) authentication, or password authentication.

(Providing unit 135)
The providing unit 135 provides (immediate payment) to the user U the available portion of the product assessment amount determined by the pre-assessment before the product is shipped. In the present embodiment, the providing unit 135 provides the user U with the available portion of the assessed amount of the product determined by the pre-assessment before the product is shipped, if the product does not satisfy the predetermined condition.

For example, the providing unit 135 provides the user U with the entire assessed value of the product determined by the previous assessment when the assessed value of the product is less than a predetermined amount (for example, 10,000 yen). In addition, if the product does not include a product of a specific type (such as a specific brand), the providing unit 135 calculates the available portion of the product assessment amount determined by the pre-assessment before shipping the product. provided to user U at

In addition, if the product satisfies a predetermined condition, the providing unit 135, after identity verification (KYC), determines the remaining amount of the product, excluding the amount already provided to the user U, of the product assessment amount determined by the post-assessment. is provided to the user U after identity verification. For example, when the appraisal value of the product is equal to or greater than a predetermined amount, the provision unit 135 provides the user U with the appraisal value of the product determined by the previous appraisal that is less than the predetermined amount before shipping the product. , and the rest is provided to the user U after identity verification (KYC).

In addition, if the product includes a product that falls under a specific type, the providing unit 135 reduces the amount of the product that does not fall under the specific type from the product assessment amount determined by the pre-assessment before shipping the product. Provide to user U. Then, after the post-assessment and identity verification (KYC), the providing unit 135 provides the user U with the remaining amount of the product assessment amount determined by the post-assessment, excluding the amount already provided to the user U. do.

[5. Processing procedure]
Next, a processing procedure by the purchasing server 100 according to the embodiment will be described with reference to FIG. 12 . FIG. 12 is a flowchart illustrating a processing procedure according to the embodiment; Note that the processing procedure described below is repeatedly executed by the control unit 130 of the purchase server 100 .

As shown in FIG. 12 , the acquisition unit 131 of the purchase server 100 acquires the information on the product entered in the purchase form by the operation of the user U from the terminal device 10 of the user U via the communication unit 110 . (Step S101). That is, the acquisition unit 131 acquires information on the product that the user U desires to purchase.

Subsequently, the appraisal unit 132 of the purchase server 100 performs a pre-assessment (immediate appraisal) based on the product information, and determines the appraisal value of the product based on the pre-assessment (step S102).

Subsequently, the determination unit 133 of the purchase server 100 determines whether or not the products that the user U desires to purchase include products of a specific brand (step S103).

Subsequently, if the products that the user U desires to purchase do not include products of a specific brand (step S103: No), the determination unit 133 of the purchase server 100 determines that the total assessed value of the products is equal to or greater than a predetermined amount. (step S104).

Subsequently, when the total amount of the product assessment amount is less than the predetermined amount (step S104: No), the providing unit 135 of the purchase server 100 immediately pays the full amount of the product assessment amount (step S105). For example, when the predetermined amount is "¥10,000", the provision unit 135 immediately pays the entire amount up to "¥9,999" as an amount less than the predetermined amount. In the present embodiment, the provision unit 135 deposits an amount equivalent to the total amount of the assessed value of the product to the user U's electronic money account in electronic money. That is, the providing unit 135 instructs the user U to deposit money into the electronic money account.

In addition, the provision unit 135 of the purchase server 100 determines that the product that the user U desires to purchase includes a product of a specific brand (step S103: Yes) and/or If it is less than the amount (step S104: Yes), the amount less than the predetermined amount out of the total assessed amount of the non-specific brand product is immediately paid (step S106). For example, when the predetermined amount is "¥10,000", the providing unit 135 immediately pays "¥9,999" as an amount less than the predetermined amount out of the total assessed amount of the product of the non-specific brand. .

Subsequently, the assessment unit 132 of the purchase server 100 performs a post-assessment (main assessment) if the product satisfies a predetermined condition, and the user U The remaining amount (difference) excluding the amount immediately paid is determined (step S107). In this embodiment, the post-assessment is performed after the product that the user U desires to purchase actually arrives at the business operator or the like. For example, after confirming that the immediate payment amount has been deposited into the user U's electronic money account, the user U ships the product before the post-assessment. Therefore, in the post-assessment, it is possible to carry out a more multifaceted assessment than the pre-assessment (contents that can be found by checking the actual product, such as the condition of the product and the judgment of authenticity).

Subsequently, the confirmation unit 134 of the purchase server 100 performs identity confirmation (KYC) of the user U (step S108). In practice, the confirmation unit 134 may perform identity verification (KYC) of the user U before the post-assessment (main assessment). This is because if the identity verification (KYC) of the user U fails, subsequent payment of the purchase price (delayed payment) is not performed, so there is no need to perform post-assessment (main assessment).

Subsequently, the providing unit 135 of the purchase server 100 sends the total amount of the product assessment determined by the post-assessment to the user U who has succeeded in the identity verification, excluding the amount immediately paid to the user U. (the difference) is paid (step S109). For example, if an amount less than the predetermined amount of money, “¥9,999”, is immediately paid to the user U, the providing unit 135 calculates “¥9,999” from the total assessed amount of the product determined by the post-assessment. , and pay the remaining amount (difference). In this embodiment, the providing unit 135 deposits an amount of electronic money corresponding to the difference between the appraisal prices of the products into the user U's electronic money account. That is, the providing unit 135 instructs the user U to deposit money into the electronic money account.

[6. Modification]
The terminal device 10 and purchase server 100 described above may be embodied in various forms other than the above embodiment. So, below, the modification of embodiment is demonstrated.

In the above embodiment, the terminal device 10 may actually execute part or all of the processing executed by the purchasing server 100 . For example, the processing may be completed stand-alone (by the terminal device 10 alone). In this case, it is assumed that the terminal device 10 has the function of the purchasing server 100 in the above embodiment. In addition, in the above-described embodiment, the terminal device 10 cooperates with the purchase server 100, so from the perspective of the user U, it appears that the terminal device 10 is executing the processing of the purchase server 100 as well. That is, from another point of view, it can be said that the terminal device 10 includes the purchasing server 100 .

Further, in the above-described embodiment, the purchase server 100 may first perform identity verification (KYC: Know Your Customer) of the user U when accepting a purchase application from the terminal device 10 of the user U. Then, when accepting a purchase application from the terminal device 10 of the user U, the purchase server 100 may confirm whether the user U is a target user for immediate payment of the purchase price. If the user U is not a target user for the immediate payment of the purchase price, the purchase server 100 does not perform the processing related to the immediate payment of the purchase price, and performs a normal (conventional) transaction. For example, the purchase server 100 pays the actual sale price to the user U when the product is actually purchased by another user or the like.

In the above-described embodiment, the purchase server 100 allows the user U to set whether or not the user U desires immediate payment of the purchase price. may also be checked. For example, even if the user U satisfies other requirements as a target user for immediate payment of the purchase price, the purchase server 100 does not request immediate payment of the purchase price. It is determined that U is not a target user for immediate payment of purchase price.

In the above-described embodiment, the purchasing server 100 assesses only non-specific brand products with a total price of less than 10,000 yen in the preliminary assessment (immediate assessment), All products, including branded products, may be assessed. For example, the buy-back server 100 may exclude products of a specific brand or products with an appraisal value of 10,000 yen or more from the pre-assessment. Then, if the pre-assessment excludes products of a specific brand or products with an appraisal value of 10,000 yen or more, the purchase server 100 performs the main assessment, and assesses all products including the excluded products. good too.

Further, in the above embodiment, the purchase server 100 may acquire the sales price of the same product that is actually sold as the purchase price of the product based on the data in the assessment database when performing the pre-assessment. However, the purchase price of the product may be calculated or estimated by subtracting a certain percentage from the selling price of the same product that is actually sold. The fixed ratio may be changed according to the attributes of the user U (whether he is a premium member, etc.). In addition, when a commission is generated in connection with the purchase and sale of a product, the purchase server 100 may calculate or estimate an amount obtained by further subtracting the commission from the sales price of the product as the purchase price of the product.

In the above-described embodiment, the purchase server 100 is a server that purchases the product of the user U (a server that acts as a product purchase agent) on behalf of the business operator that actually conducts electronic commerce of the product (purchase business operator). may be That is, the operator/manager of purchase server 100 and the business operator who actually conducts electronic commerce of products may not be the same. At this time, the purchase server 100 cooperates with the business operator's terminal device or server device. Also, on the contrary, the operator/manager of the purchase server 100 and the business operator who actually conducts electronic commerce of the product may be the same, or they may You may have a capital relationship.

[7. effect〕
As described above, the information processing apparatus (purchase server 100) according to the present application includes the acquisition unit 131 that acquires information on an item that the user (user U) desires to purchase, and pre-assessment based on the information on the item. and an assessment unit 132 for determining the assessed value of the item, and a providing unit 135 for providing the user with the available portion of the assessed value of the item determined by the pre-assessment before shipping the item.

Further, the information processing apparatus according to the present application further includes a determination section 133 that determines whether or not the article satisfies a predetermined condition. Then, if the item does not satisfy the predetermined condition, the providing unit 135 provides the user with the available portion of the assessed amount of the item determined by the preliminary assessment before shipping the item.

For example, the determination unit 133 determines whether or not the assessed value of the item is equal to or greater than a predetermined amount (eg, 10,000 yen). Then, when the assessed value of the item is less than the predetermined amount, the providing unit 135 provides the user with the entire assessed value of the item determined by the previous assessment.

In addition, the determination unit 133 determines whether or not the items include items of a specific type (such as a specific brand). Then, if the article does not include an article that corresponds to a specific type, the providing unit 135 provides the user with the available portion of the assessed value of the article determined by the previous assessment before the article is shipped. .

Further, the information processing apparatus according to the present application further includes a confirmation unit 134 that confirms the identity of the user when the article satisfies a predetermined condition. Then, if the item satisfies a predetermined condition, the providing unit 135, after identity verification, uses the remaining portion of the assessed value of the item determined by the post-assessment, excluding the amount already provided to the user, for identity verification. Provide to the user after going.

For example, the determination unit 133 determines whether or not the assessed value of the item is equal to or greater than a predetermined amount. Then, if the assessed value of the item is equal to or greater than the predetermined amount, the providing unit 135 provides the user with the amount less than the predetermined amount of the item's assessed amount determined by the pre-assessment before shipping the item, and the remaining amount. provided to the user after identity verification.

In addition, when the article satisfies a predetermined condition, the assessment unit 132 performs a post-assessment, and determines the remainder of the assessed amount of the article determined by the post-assessment, excluding the amount already provided to the user.

For example, the determination unit 133 determines whether or not the items include items of a specific type. Then, if the goods include goods that fall under a specific type, the providing unit 135 calculates the amount of the goods that do not fall under the specific type from the assessed value of the goods determined by the previous assessment before shipping the goods. After the post-assessment and identity verification, the user is provided with the rest of the item's assessed amount determined by the post-assessment, excluding the amount already provided to the user.

The information processing apparatus according to the present application can appropriately perform the immediate payment of the purchase price by any one or a combination of the above-described processes.

[8. Hardware configuration]
Also, the terminal device 10 and purchase server 100 according to the above-described embodiments are implemented by a computer 1000 configured as shown in FIG. 13, for example. The purchase server 100 will be described below as an example. FIG. 13 is a diagram illustrating an example of a hardware configuration; The computer 1000 is connected to an output device 1010 and an input device 1020, and an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output I/F (Interface) 1060, an input I/F 1070, and a network I/F 1080 are buses. It has a form connected by 1090.

The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, programs read from the input device 1020, and the like, and executes various processes. The arithmetic unit 1030 is implemented by, for example, a CPU (Central Processing Unit), MPU (Micro Processing Unit), ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (Random Access Memory) that temporarily stores data used for various calculations by the arithmetic device 1030 . The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered. State Drive), flash memory, or the like. The secondary storage device 1050 may be an internal storage or an external storage. Also, the secondary storage device 1050 may be a removable storage medium such as a USB (Universal Serial Bus) memory or an SD (Secure Digital) memory card. Also, the secondary storage device 1050 may be a cloud storage (online storage), a NAS (Network Attached Storage), a file server, or the like.

The output I/F 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a display, a projector, and a printer. (Digital Visual Interface), HDMI (registered trademark) (High Definition Multimedia Interface), and other standardized connectors. Also, the input I/F 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, keypad, buttons, scanner, etc., and is realized by, for example, USB.

Also, the output I/F 1060 and the input I/F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, the output device 1010 and the input device 1020 may be wireless devices.

Also, the output device 1010 and the input device 1020 may be integrated like a touch panel. In this case, the output I/F 1060 and the input I/F 1070 may also be integrated as an input/output I/F.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like.

Network I/F 1080 receives data from other devices via network N and sends the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output I/F 1060 and input I/F 1070 . For example, arithmetic device 1030 loads a program from input device 1020 or secondary storage device 1050 onto primary storage device 1040 and executes the loaded program.

For example, when computer 1000 functions as purchase server 100 , computing device 1030 of computer 1000 implements the function of control unit 130 by executing a program loaded on primary storage device 1040 . Further, arithmetic device 1030 of computer 1000 may load a program acquired from another device via network I/F 1080 onto primary storage device 1040 and execute the loaded program. Further, the arithmetic unit 1030 of the computer 1000 may cooperate with another device via the network I/F 1080, and call functions, data, etc. of the program from another program of the other device for use.

[9. others〕
Although the embodiments of the present application have been described above, the present invention is not limited by the contents of these embodiments. In addition, the components described above include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those within the so-called equivalent range. Furthermore, the components described above can be combined as appropriate. Furthermore, various omissions, replacements, or modifications of components can be made without departing from the gist of the above-described embodiments.

Further, among the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, or the processes described as being performed manually can be performed manually. All or part of this can also be done automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the illustrated one, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

For example, the purchase server 100 described above may be implemented by a plurality of server computers, and some functions may be implemented by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like. Flexible to change.

Also, the above-described embodiments and modifications can be appropriately combined within a range that does not contradict the processing contents.

Also, the above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

1 information processing system 10 terminal device 100 purchase server 110 communication unit 120 storage unit 121 user information database 122 history information database 123 product information database,
124 assessment database 130 control unit 131 acquisition unit 132 assessment unit 133 determination unit 134 confirmation unit 135 provision unit

Claims (10)

an acquisition unit that acquires information on an article that the user wishes to purchase;
an assessment unit that performs a pre-assessment based on the information of the item and determines an assessed value of the item;
An information processing apparatus, comprising: a provision unit that provides the user with a providable portion of the appraisal value of the article determined by the pre-assessment, before shipping the article. a determination unit that determines whether the article satisfies a predetermined condition;
further comprising
wherein, if the item does not meet a predetermined condition, the provision unit provides the user with an available portion of the appraisal value of the item determined by the pre-assessment before shipping the item. The information processing apparatus according to claim 1. The determination unit determines whether or not the assessed value of the item is equal to or greater than a predetermined amount,
3. The information according to claim 2, wherein, when the assessed value of the item is less than a predetermined amount, the providing unit provides the user with the entire assessed value of the item determined by the previous assessment. processing equipment. The determining unit determines whether or not the item includes an item corresponding to a specific type,
If the item does not include an item that corresponds to a specific type, the provision unit provides the user with an amount that can be provided out of the assessed amount of the item determined by the previous assessment, before shipping the item. 4. The information processing apparatus according to claim 2 or 3, characterized by: a verification unit that verifies the identity of the user when the article satisfies a predetermined condition;
further comprising
If the item satisfies a predetermined condition, the provision unit, after identity verification, provides the rest of the assessed amount of the item determined by the previous assessment, excluding the amount already provided to the user, after identity verification. 5. The information processing apparatus according to any one of claims 2 to 4, wherein the information processing apparatus is provided to the user after performing the above. The determination unit determines whether or not the assessed value of the item is equal to or greater than a predetermined amount,
When the assessed value of the item is equal to or greater than a predetermined amount, the provision unit provides the user with an amount less than the predetermined amount of the item's assessed amount determined by the previous assessment, before shipping the item. 6. The information processing apparatus according to claim 5, wherein the remaining portion is provided to the user after identity verification. When the item satisfies a predetermined condition, the appraisal unit performs a post-assessment, and determines the remainder of the appraised value of the item determined by the post-assessment, excluding the amount already provided to the user. 7. The information processing apparatus according to claim 5 or 6, characterized by: The determining unit determines whether or not the item includes an item corresponding to a specific type,
When the goods include goods that fall under a specific type, the providing unit distributes the amount of the goods that do not fall under the specific type out of the assessed value of the goods determined by the previous assessment to the shipping of the goods. provided to the user before, and after post-assessment and identity verification, providing the user with the remainder of the assessed value of the article determined by the post-assessment, excluding the amount already provided to the user. 8. The information processing apparatus according to claim 7. An information processing method executed by an information processing device,
an acquisition step of acquiring information on an item that the user wishes to purchase;
an assessment step of performing a pre-assessment based on the information of the item and determining an assessed value of the item;
and a provision step of providing the user with an available portion of the appraisal value of the item determined by the pre-assessment before shipping the item. an acquisition procedure for acquiring information on an article that the user wishes to purchase;
an assessment procedure for performing a pre-assessment based on information of the item and determining an assessed value of the item;
and an information processing program for causing a computer to execute a providing procedure of providing the user with an available portion of the appraisal value of the item determined by the pre-assessment before shipping the item.

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