JP6149067B2 - Information providing system, information providing method, and information providing program - Google Patents

Description

  The present invention relates to an information providing system, an information providing method, and an information providing program.

  As a means for settlement other than cash, for example, there is a credit settlement using a credit card. As such credit settlement, installment payments and revolving payments are particularly widespread.

  In recent years, the purchase price of a given product is set as the residual value, and the amount obtained by subtracting the residual value from the price of the given product is subject to installment payment. Alternatively, there is a so-called residual value setting type credit in which the purchase price is used for residual value payment by allowing a store of the predetermined product to purchase the product.

  For example, a financial information processing system for residual value setting type credits has been proposed that enables fair transactions by calculating residual value based on the prevailing market price of automobiles (Patent Document 1). ).

JP 2004-5238 A

  However, the above-described conventional technology cannot always provide a residual value setting type credit that is easy for the user to use. Specifically, the above prior art is merely a technique for investigating the actual market price of an automobile, predicting and calculating the residual value at the end of installment payment, and presenting the calculated residual value. Type credits are not always available.

  The present application has been made in view of the above, and an object thereof is to provide an information providing system, an information providing method, and an information providing program capable of providing a residual value setting type credit that is easy for a user to use.

  The information providing system according to the present application includes a reception unit that accepts designation of a product that can set a part of the selling price as a future residual value, and a price that a predetermined purchaser plans to purchase the product accepted by the reception unit in the future And an acquisition unit that acquires the planned purchase price and a transmission unit that transmits the planned purchase price acquired by the acquisition unit.

  According to one aspect of the embodiment, there is an effect that it is possible to provide a residual value setting type credit that is easy for the user to use.

FIG. 1 is a diagram illustrating an example of information providing processing according to the first embodiment. FIG. 2 is a diagram illustrating a configuration example of the purchase server according to the first embodiment. FIG. 3 is a diagram illustrating an example of a purchase information storage unit according to the first embodiment. FIG. 4 is a diagram illustrating a configuration example of the card company server according to the first embodiment. FIG. 5 is a diagram illustrating an example of the plan information storage unit according to the first embodiment. FIG. 6 is a diagram illustrating a configuration example of the shopping server according to the first embodiment. FIG. 7 is a diagram illustrating an example of the information providing process according to the second embodiment. FIG. 8 is a diagram illustrating a configuration example of a shopping server according to the second embodiment. FIG. 9 is a diagram illustrating an example of a purchase history storage unit according to the second embodiment. FIG. 10 is a diagram illustrating a configuration example of a card company server according to the second embodiment. FIG. 11 is an explanatory diagram for explaining a repayment plan change process according to the second embodiment. FIG. 12 is a diagram illustrating an example of the information providing process according to the third embodiment. FIG. 13 is a diagram illustrating a configuration example of a card company server according to the third embodiment. FIG. 14 shows an example of a purchase history storage unit according to the third embodiment. FIG. 15 is a hardware configuration diagram illustrating an example of a computer that realizes a server function.

  Hereinafter, a mode for carrying out an information providing system according to the present application (hereinafter referred to as “embodiment”) will be described in detail with reference to the drawings. In addition, the information provision system concerning this application is not limited by this embodiment. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description is omitted.

(First embodiment)
[1. (Information provision processing)
First, an example of information provision processing according to the first embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information providing processing according to the first embodiment. In the example of FIG. 1, the information provision processing system 1 includes a user terminal 10, purchaser terminals 50 a and 50 b, a purchase server 100, a card company server 200, and a shopping server 300. User terminal 10, purchaser terminals 50 a and 50 b, purchase server 100, card company server 200, and shopping server 300 are communicably connected via a network by wire or wirelessly. 1 is an example, and the number of user terminals 10, purchaser terminals 50a and 50b, purchase server 100, card company server 200, and shopping server 300 is not limited to the number shown in FIG.

  The user terminal 10 is a device used by a user. For example, the user terminal 10 is a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a mobile phone, a PDA (Personal Digital Assistant), or the like. The user terminal 10 receives a predetermined web page from the shopping server 300 by transmitting a page request to the shopping server 300 in accordance with a user operation.

  The purchaser terminal 50a is a device used by the purchaser A. The purchaser terminal 50b is a device used by the purchaser B. In the present embodiment, the devices of the respective purchasers may be collectively referred to simply as “buyer trader terminal 50”. The purchaser terminal 50 is a terminal device such as a desktop PC, a notebook PC, a tablet terminal, a mobile phone, or a PDA.

  Here, the purchaser is a used purchaser who assesses the used goods brought in and purchases the used goods at the assessed amount. For example, the purchaser determines a planned purchase price, which is a price planned to be purchased for a predetermined product within a predetermined period (elapsed years) after purchase. Then, using the purchaser terminal 50, the purchaser submits purchase information such as the determined planned purchase price to the purchase server 100.

  Here, in the present embodiment, the purchaser is, for example, a used purchaser who assesses a used item brought in by the user and purchases the used item based on the assessed amount.

  The purchase server 100 receives a planned purchase price for a predetermined product from the purchaser terminal 50 and stores the received planned purchase price in the purchase information storage unit 121. For example, in FIG. 1, the purchase server 100 sends purchase information such as “scheduled to purchase at 400,000 if the product“ K watch ”is within 5 years from the time of purchase” from the purchaser terminal 50 a of the purchaser A. The example which receives and memorize | stores the received purchase information in the purchase information storage part 121 is shown. Further, the purchase server 100 accepts purchase information such as “If the product“ M watch ”is within 3 years from the time of purchase and is scheduled to be purchased at 350,000” from the purchaser terminal 50 b of the purchaser B, An example stored in the information storage unit 121 is shown.

  The card company server 200 is a server device used by the card company Y1 that issues a Y2 card that is a credit card. For example, the card company server 200 generates a repayment plan to be provided to the user in accordance with an operation of an employee of the card company Y1.

  The card company Y1, for example, provides the user with a repayment plan using a residual value setting type credit (hereinafter sometimes referred to as “remaining credit”) in addition to the credit card settlement as a repayment plan using the Y2 card. It shall be.

  The shopping server 300 distributes purchase information in the purchase information storage unit 121 to the user terminal 10 together with a predetermined shopping site in response to a page request from the user terminal 10. In the present embodiment, the shopping site name distributed by the shopping server 300 is “shopping site Y3”. Then, among the products handled at the shopping site Y3, the purchase planned price is set by the purchaser, thereby becoming a purchase target product or a residual value setting type credit target product (remaining credit target). There is something.

  In the information providing system 1 according to the first embodiment, a purchase server 100, a card company server 200, and a shopping server 300 are linked. Thereby, the information providing system 1 according to the first embodiment provides the purchase information of the product together with the repayment plan by the remaining credit of the predetermined product to the user who specified the predetermined product on the shopping site Y3. It is a system that enables Below, the flow of the information provision process by the information provision processing system 1 concerning 1st Embodiment is demonstrated.

  It is assumed that the purchase server 100 has received purchase information submission from the purchaser terminal 50 in advance. Further, it is assumed that the card company server 200 has generated a repayment plan in advance. However, the present invention is not limited to this example, and the purchase server 100 may accept submission of purchase information from the purchaser terminal 50 at any timing. The card company server 200 may generate a repayment plan at any timing.

  Here, it is assumed that the user terminal 10 transmits a page request, which is a web page request, to the shopping server 300 in accordance with the operation of the user U10 (step S1). Upon receiving the page request, shopping server 300 distributes the TOP page of “shopping site Y3”.

  Next, it is assumed that the user terminal 10 transmits to the shopping server 300 a page request for changing to the web page W1a corresponding to the category “watch” on the shopping site Y3. Upon receiving the request, the shopping server 300 refers to the purchase information storage unit 121 to set the purchase price for the products “K watch”, “L watch”, and “M watch” corresponding to the category “watch”. It is determined whether or not the purchase target.

  Then, the shopping server 300 generates a web page W1a on which “remaining credit” is displayed as a payment method of “K watch” and “M watch” determined to be purchase targets, and the generated web page W1a. To deliver.

  Here, it is assumed that the product “K watch” of the web page W1a is selected by the user U10. In response to this, the user terminal 10 transmits a page request including the product information “sales price 1 million, K watch” to the shopping server 300. Upon receiving the request, the shopping server 300 refers to the purchase information storage unit 121 and obtains purchase information including the purchaser A corresponding to the product “K watch”, the planned purchase price “400,000”, and the elapsed period “5 years”. The web page W1b that is acquired and the acquired purchase information is displayed is generated, and the generated web page W1b is distributed (step S2). As shown in FIG. 1, “residual value setting type credit” is displayed on the web page W1b when the pull-down B1 is pressed.

  Here, it is assumed that the payment method “residual value setting type credit” on the web page W1b is selected by the user U10. In response to this, the user terminal 10 transmits a page request including the selection information “residual value setting type credit” to the shopping server 300. Shopping server 300 will distribute web page W1c which can design a repayment plan, if a request is received (Step S3).

  As shown in FIG. 1, the web page W1c includes a pull-down B2 for displaying a repayment plan (such as the number of payments) generated by the card company server 200 and a residual value input field B3 for receiving an input of the residual value. It is. Thereby, the user U10 can set the number of payments and the residual value with reference to purchase information such as a planned purchase price.

  For example, as shown in FIG. 1, the user U10 selects a payment number “36 times” from the pull-down B2 and inputs “500,000” in the remaining value input field B3, and designs a repayment plan. It is assumed that the “To” button is pressed.

  In response to this, the user terminal 10 transmits a page request including the input information to the shopping server 300. Upon receipt of the request, the shopping server 300 divides “500,000” obtained by subtracting the remaining value “500,000” from the selling price “1 million” of the product “K watch” by the number of payments “36 times” and the card company Y1 The monthly payment amount is calculated in consideration of the predetermined interest rate fee set by. Then, the shopping server 300 generates a web page W1d in which the calculated information is displayed as, for example, a detailed diagram, and distributes the generated web page W1d (step S4).

  As described above, the information providing system 1 receives and stores the planned purchase price of a predetermined product from the purchaser. Then, the information providing system 1 causes the user terminal 10 to display a planned purchase price corresponding to the product designated by the user. Thus, since the information providing system 1 displays the planned purchase price for the product designated by the user, the user can easily design the repayment plan by using the planned purchase price as a reference. It is possible to provide a residual value setting type credit that is easy to do.

[2. Purchase server configuration)
Next, the purchase server 100 in the information system according to the first embodiment will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of the purchase server 100 according to the first embodiment. As illustrated in FIG. 2, the communication unit 110, the storage unit 120, and the control unit 130 are included.

  The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network by wire or wirelessly, and transmits / receives information to / from the user terminal 10, the purchaser terminal 50, the card company server 200, and the shopping server 300.

  The storage unit 120 is realized by a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk, for example. The storage unit 120 includes a purchase information storage unit 121.

  The purchase information storage unit 121 is a storage unit that stores purchase information such as a planned purchase price for a predetermined product submitted by the purchaser terminal 50. Here, FIG. 3 shows an example of the purchase information storage unit 121 according to the first embodiment. In the example of FIG. 3, the purchase information storage unit 121 includes items such as “purchaser name”, “product name”, “scheduled purchase price”, and “elapsed period”.

  “Purchaser name” is the store name, company name, etc. of a used product purchaser who has set a planned purchase price for a predetermined product. “Product name” is the product name of the product for which the “scheduled purchase price” is set, that is, the product to be purchased. “Scheduled purchase price” is a price at which a product corresponding to “product name” is scheduled to be purchased.

  The “elapsed period” is a period during which purchase can be made at the corresponding “scheduled purchase price”. That is, when a product is purchased, if it is within the elapsed period from the purchase date, it indicates that the product can be purchased at the “scheduled purchase price” corresponding to the product. In addition, as the counting method of the period corresponding to the elapsed period, it is not always necessary to adopt the period counted from the purchase date to the purchase date every day. For example, within one week from the purchase date is regarded as one day, Thereafter, a period counted up to the purchase date in units of one day may be adopted. Then, how to count the elapsed period may be arbitrarily set by each purchaser, or may be set uniformly among purchasers.

  That is, in the example of FIG. 3, the purchaser “A” indicates that the product “K Watch” is scheduled to be purchased for 400,000 yen if the elapsed period is “within 5 years”. .

  Returning to FIG. 2, the control unit 130 executes various programs stored in the storage device inside the purchase server 100 using the RAM as a work area by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like. It is realized by. The control unit 130 is realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

  As shown in FIG. 2, the control unit 130 includes a receiving unit 131 and realizes or executes the functions and operations of information processing described below. The internal configuration of the control unit 130 is not limited to the configuration illustrated in FIG. 2, and may be another configuration as long as the information processing described later is performed. In addition, the connection relationship between the processing units included in the control unit 130 is not limited to the connection relationship illustrated in FIG. 2, and may be another connection relationship.

  The accepting unit 131 accepts submission of purchase information from the purchaser terminal 50. For example, the accepting unit 131 accepts submission of purchase information including information such as a purchaser name, a product name, a planned purchase price, and an elapsed period from the purchaser terminal 50. Then, the reception unit 131 stores the purchase trader name, the product name, the planned purchase price, and the elapsed period in the purchase information storage unit 121 in association with each other.

[3. Configuration of card company server]
Next, the card company server 200 in the information system according to the first embodiment will be described with reference to FIG. FIG. 4 is a diagram illustrating a configuration example of the card company server 200 according to the first embodiment. As illustrated in FIG. 4, the communication unit 210, the storage unit 220, and the control unit 230 are included.

  The communication unit 210 is realized by a NIC or the like, for example. The communication unit 210 is connected to the network by wire or wirelessly and transmits / receives information to / from the user terminal 10, the purchaser terminal 50, and the shopping server 300.

  The storage unit 220 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 220 includes a plan information storage unit 221.

  The plan information storage unit 221 is a storage unit that stores each component constituting the repayment plan generated by the plan generation unit 231 described later. FIG. 5 shows an example of the plan information storage unit 221 according to the first embodiment. In the example of FIG. 5, the plan information storage unit 221 includes items such as “price range”, “plan ID”, “number of times”, “monthly interest rate”, and “residual value”. The “residual value” is information used in a pattern in which the residual value is set by the card company server 200, which will be described later, and the description thereof is omitted here.

  “Price range” is the range of the selling price of a product. “Plan ID” is identification information for identifying a repayment plan. “Number of payments” is the number of payments to be set or selected by the user when the user makes installment payments using the Y2 card. The “number of payments” is set in accordance with, for example, “price range”. “Monthly interest rate” is an interest rate ratio for calculating an interest fee to be added to the monthly payment amount according to the “number of payments”.

  That is, in the example of FIG. 5, the plan identified by the plan ID “PL2a” is composed of elements such as the number of payments “12 times” and the monthly interest rate “3%”, and the price range “300,000 to 500,000 yen Indicates that the plan is applied to a product of “less than”.

  Returning to FIG. 4, the control unit 230 is realized by executing various programs stored in the storage device inside the card company server 200 using the RAM as a work area by the CPU, MPU, or the like. The control unit 230 is realized by an integrated circuit such as ASIC or FPGA, for example.

  As shown in FIG. 4, the control unit 230 includes a plan generation unit 231 and realizes or executes information processing functions and operations described below. Note that the internal configuration of the control unit 230 is not limited to the configuration illustrated in FIG. 4, and may be another configuration as long as information processing described later is performed. Further, the connection relationship between the processing units included in the control unit 230 is not limited to the connection relationship illustrated in FIG. 4, and may be another connection relationship.

  As described in the plan information storage unit 221 shown in FIG. 5, the plan generation unit 231 generates a repayment plan constituted by elements such as “number of payments” and “monthly interest rate” for each “price range”. For example, the plan generation unit 231 may generate such a repayment plan in accordance with an operation of an employee of the card company Y1, or may automatically generate it. Further, the plan generation unit 231 may simply accept a repayment plan generated by another device by an employee of the card company Y1. Then, the plan generation unit 231 stores the generated repayment plan in the plan information storage unit 221.

[4. Shopping server configuration]
Next, the shopping server 300 in the information system according to the first embodiment will be described with reference to FIG. FIG. 6 is a diagram illustrating a configuration example of the shopping server 300 according to the first embodiment. As illustrated in FIG. 6, the shopping server 300 includes a communication unit 310, a storage unit 320, and a control unit 330.

  The communication unit 310 is realized by a NIC or the like, for example. The communication unit 310 is connected to the network by wire or wirelessly and transmits / receives information to / from the user terminal 10, the purchaser terminal 50, and the card company server 200.

  The storage unit 320 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 320 includes a purchase history storage unit 321. The purchase history storage unit 321 will be described in detail later.

  The control unit 330 is realized by a CPU, MPU, or the like executing various programs stored in a storage device inside the shopping server 300 using the RAM as a work area. The control unit 330 is realized by an integrated circuit such as an ASIC or FPGA, for example.

  As illustrated in FIG. 6, the control unit 330 includes a reception unit 331, a distribution unit 332, and an acquisition unit 333, and realizes or executes information processing functions and operations described below. The internal configuration of the control unit 330 is not limited to the configuration illustrated in FIG. 6, and may be another configuration as long as the information processing described later is performed. In addition, the connection relationship between the processing units included in the control unit 330 is not limited to the connection relationship illustrated in FIG. 6, and may be another connection relationship.

  The accepting unit 331 accepts a page request that is a web page request transmitted from the user terminal 10. The accepting unit 331 accepts designation of a product for which a residual value that is a predetermined price to be paid in the future can be set for the selling price.

  The distribution unit 332 generates a web page corresponding to the page request, and distributes the generated web page to the user terminal 10. For example, the distribution unit 332 generates a web page that displays information acquired by the acquisition unit 333 described later, and distributes the generated web page to the user terminal 10. That is, it can be said that the delivery unit 332 is a transmission unit that transmits the user terminal 10 so that the information acquired by the acquisition unit 333 is displayed. In addition, the distribution unit 332 determines whether or not each product is a purchase target, and if it is determined that the product is a purchase target, generates and generates a web page on which predetermined information regarding the purchase is displayed. The web page.

  The acquisition unit 333 acquires a planned purchase price that is a price that a predetermined purchaser plans to purchase the product received by the reception unit 331 in the future. Hereinafter, specific processing of the reception unit 331, the distribution unit 332, and the acquisition unit 333 will be described using FIG. 1 as an example.

  In this embodiment, the card company that operates the card company server 200 is “card company Y1”. Further, a credit card issued by “card company Y1” is referred to as “Y2 card”. Further, a site operated by the shopping server 300 is referred to as “shopping site Y3”.

  For example, it is assumed that a page request for changing to the web page W1a corresponding to the category “watch” in the shopping site Y3 is transmitted from the user terminal 10. When the page request is received by the receiving unit 331, the distribution unit 332 refers to the purchase information storage unit 121 to determine a purchase target among products corresponding to the category “watch”. For example, the distribution unit 332 determines that a product registered in the purchase information storage unit 121 is a purchase target.

  Then, the distribution unit 332 generates a web page W1a on which “remaining credit” is displayed as a payment method for the product to be purchased, and distributes the generated web page W1a to the user terminal 10.

  In the example of FIG. 1, the distribution unit 332 includes “K watch”, “L watch”, and “M watch”, which are products corresponding to the category “watch”, registered in the purchase information storage unit 121. ”And“ M watch ”are determined as purchase targets. Then, the distribution unit 332 generates a web page W1a on which “remaining credit” is displayed as a payment method for “K watch” and “M watch”, and distributes the generated web page W1a to the user terminal 10. .

  Next, it is assumed that a page request including product information of the selected product is transmitted from the user terminal 10 when a predetermined product is selected on the delivered web page W1a. When the page request is received by the receiving unit 331, the acquiring unit 333 refers to the purchase information storage unit 121 and acquires purchase information (a purchase trader name, a planned purchase price, an elapsed period) corresponding to the selected product. Then, the acquisition unit 333 instructs the distribution unit 332 to distribute the web page W1b on which the acquired purchase information is displayed. As shown in FIG. 1, “residual value setting type credit” is displayed on the web page W1b when the pull-down B1 is pressed.

  For example, as illustrated in FIG. 1, it is assumed that a page request including product information “K watch” is transmitted from the user terminal 10 because “K watch” is selected in the web page W1a. When the page request is accepted by the accepting unit 331, the acquiring unit 333 refers to the purchase information storage unit 121, the purchase trader name “A” that sets the purchase price in the K watch, the planned purchase price “400,000”, The elapsed period “5 years” is acquired, and the distribution unit 332 is instructed to distribute the web page W1b on which the acquired purchase information is displayed.

  Next, it is assumed that a page request including product information of the selected product is transmitted from the user terminal 10 by selecting “residual value setting type credit” on the web page W1b. The acquisition unit 333 refers to the plan information storage unit 221 using the product information of the selected product. Then, the acquisition unit 333 acquires the “number of payments” associated with the “price range” corresponding to the selling price, and the web page W1c in which the acquired number of payments is displayed in the pull-down list of the web page W1c. Is distributed to the distribution unit 332.

  At this time, the acquisition unit 333 also displays the acquired purchase information (in the example of FIG. 1, the purchaser name “A”, the purchase price “400,000”, the elapsed period “5 years”). The distribution unit 332 may be instructed to distribute the page W1c.

  In the example of FIG. 1, the acquisition unit 333 refers to the plan information storage unit 221 illustrated in FIG. 5 using the product information “sales price of 1 million, K watch”, so that the price range of “1 million to 1.5 million. The number of payments “12 times, 24 times, 36 times” associated with “less than” is acquired. Then, the acquisition unit 333 instructs the distribution unit 332 to distribute the web page W1c in which the acquired plan information is displayed in the pull-down list.

  The distribution unit 332 generates the web page W1c according to the instruction received from the acquisition unit 333, and distributes the generated web page W1c to the user terminal 10. Thereby, the user U10 can set the number of payments and the residual value with reference to purchase information such as a planned purchase price.

  Here, it is assumed that the number of payments is selected from the pull-down B2 on the web page W1c, a predetermined residual value is input to the residual value input field B3, and the “Next” button is pressed.

  Accordingly, it is assumed that a page request including selection and input information on the web page W1c is transmitted from the user terminal 10. When the receiving unit 331 receives the page request, the acquiring unit 333 refers to the plan information storage unit 221 using the selling price and the number of payments of the selected product, and acquires the corresponding “monthly interest rate”. Then, the acquisition unit 332 calculates the monthly payment amount based on the acquired “monthly interest rate”, the selling price of the selected product, the number of payments, and the remaining value. Then, the acquisition unit 333 instructs the distribution unit 332 to distribute the web page W1d that displays the plan details based on the calculated result.

  For example, as shown in FIG. 1, it is assumed that a repayment plan such as “number of payments: 36 times, remaining value: 500,000” is designed on the web page W1c. Thereby, the acquisition unit 333 refers to the plan information storage unit 221 and acquires the monthly interest rate “8%” corresponding to the selling price “1 million yen” and the number of payments “36 times”. Then, the acquisition unit 333 instructs the distribution unit 332 to distribute the web page W1d that displays the plan details based on the calculated result.

  The distribution unit 332 may generate a web page W1d that can select purchase information for the selected product, and distribute the generated web page W1d. Then, for example, purchase information is selected on the web page W1d, thereby confirming the purchase of the product with the designed repayment plan. In such a case, in the example of FIG. 1, “K watch” is a product to be purchased by the user U10.

  Moreover, although the example in which it is determined whether or not the product is a purchase target is shown by the distribution unit 332, such a determination process is not necessarily performed by the distribution unit 332. For example, the determination process may be performed by the acquisition unit 333.

  For example, the acquisition unit 333 may determine whether or not the product handled at the shopping site Y3 is a purchase target at every predetermined timing (for example, a predetermined period). When the designation is accepted, it may be determined whether or not the product for which the designation is accepted is a purchase target. And when the acquisition part 333 determines with the designated goods being purchase object, the acquired purchase information is displayed by acquiring the purchase information corresponding to the goods from the purchase information storage part 121. The distribution unit 332 is instructed to generate such a web page. Further, for example, a determination unit that performs such determination processing may exist.

  Moreover, a restriction may be provided for the numerical values that can be input to the user in the remaining value input field B3 of the web page W1c. For example, the distribution unit 332 makes it possible to input a residual value within a range in which the upper limit and the lower limit are set to 100,000 based on the planned purchase price acquired by the acquisition unit 333 (in the case of FIG. 1, in the case of the web page W1c). ) And the generated web page may be distributed. Such a residual value setting method is determined by, for example, the card company Y1.

  Each web page shown in FIG. 1 is only an example. When a predetermined item is selected and pressed as shown in FIG. 1, a product list page (web page W1a), a payment method selection page (web page) are not necessarily displayed. W1b), repayment plan design page (web page W1c), and repayment plan details page (web page W1d) may not be changed in this order. For example, there may be a user information input page or the like between the web page W1a and the web page W1b.

  In addition, as shown in the second embodiment, for example, a product whose designation is accepted by the accepting unit 331 may be purchased with a designed repayment plan. For example, as illustrated in FIG. 7, the distribution unit 332 can select a purchase price or a purchaser acquired by the acquisition unit 333 and can purchase a product specified by the selected information. W1b may be generated and the generated web page W1b may be distributed. In such a case, the accepting unit 331 can be said to be a part that accepts designation of a product to be purchased.

[5. (Modification)
The information providing system 1 according to the first embodiment may be implemented in various different forms other than the first embodiment. Therefore, in the following, another embodiment of the information providing system 1 will be described.

[5-1. Residual value (1)]
In the first embodiment, the example in which the user sets the residual value is shown. However, the remaining value may be set by the plan generation unit 231 of the card company server 200.

  For example, the plan generation unit 231 sets a residual value in accordance with an instruction from the card company Y1, and stores the set residual value in the plan information storage unit 221. For example, the plan generation unit 231 may set the residual value based on the price range of the product and the number of payments. In this case, for example, when the price range is “300,000 to less than 500,000” and the number of payments is “12 times”, the card company server may set a predetermined ratio to the intermediate price in the price range as the remaining price. 200 is preset. The residual value stored in the plan information storage unit 221 is an example of the residual value set in this way.

  In this case, for example, if 400,000 products are selected, the acquisition unit 333 makes a repayment plan such as “number of payments: 12 times, remaining value: 150,000”, “number of payments: 24 times, remaining value: 200,000”. Is acquired.

  The web page W1c illustrated in FIG. 1 will be described as an example. The distribution unit 332 generates and generates the web page W1c in which these two payment plans acquired by the acquisition unit 333 are displayed as a pull-down list. The web page W1c is distributed.

  In the example of the plan information storage unit 221 illustrated in FIG. 5, one residual value is set for one plan. However, the plan generation unit 231 does not necessarily need to set one residual value for one plan. For example, a plurality of residual values may be set for one plan.

  For example, in the plan PL2a shown in FIG. 5, the plan generation unit 231 may set three residual values “50,000, 100,000, 150,000”. In PL2b, three residual values “100,000, 150,000, 200,000” may be set.

  In this case, for example, if 400,000 items are selected, the acquisition unit 333 causes the payment number: 12 times, remaining value: 50,000, “payment number: 12 times, remaining value: 100,000”, “payment”. Number of times: 12 times, residual value: 150,000, “number of payments: 24 times, residual value: 100,000”, “number of payments: 24 times, residual value: 150,000”, “number of payments: 24 times, residual value: Repayment plan such as “200,000” is acquired.

  The web page W1c shown in FIG. 1 will be described as an example. The distribution unit 332 generates a web page W1c in which these six payment plans are displayed as a pull-down list, and distributes the generated web page W1c.

[5-2. Residual value (2)]
Moreover, the planned purchase price may be set as the residual value. That is, the distribution unit 332 may provide a repayment plan in which the planned purchase price acquired by the acquisition unit 333 is set as a residual value. This point will be described with reference to FIG. For example, when a page request for the web page W1c is received (step S3), the acquisition unit 333 refers to the purchase information storage unit 121, and the purchaser name and purchase price corresponding to the purchase target received by the reception unit 331. , Get the elapsed period. This point has been described above. Here, the acquisition unit 333 instructs the distribution unit 332 to generate a web page W1c in which the planned purchase price is displayed as a residual value.

  For example, if “K watch” is selected on the web page W1a, the acquisition unit 333 refers to the purchase information storage unit 121, and acquires the purchaser “A” corresponding to “K watch” and the planned purchase price “400,000”. ”,“ 5 years ”is acquired. Then, the acquisition unit 333 instructs the distribution unit 332 to generate a web page W1c that displays a repayment plan with the acquired purchase planned price as a residual value. Further, when the planned purchase price is a residual value, the residual value input field B3 is not necessary.

  As described above, the information providing system 1 according to the first embodiment provides a repayment plan with the purchase price corresponding to the designated product as a residual value. Thereby, the information provision system 1 can make it easier for the user to plan a remaining credit plan for the designated product.

[5-3. Multiple purchasers for the same product (1)]
In the first embodiment, an example is shown in which each purchaser sets a purchase price for a different product. However, the accepting unit 131 of the purchase server 100 may accept submission of planned purchase prices by a plurality of purchasers for the same product. This point will be described with reference to FIG.

  In this case, the acquisition unit 333 acquires each planned purchase price corresponding to a plurality of purchasers, and the distribution unit 332 provides at least one of the planned purchase prices acquired by the acquisition unit 333. This point will be described with reference to FIG.

  For example, for the product “O-watch”, the reception unit 131 purchases supplier E “scheduled purchase price: 200,000”, purchaser F “scheduled purchase price: 250,000”, and purchaser G “scheduled purchase price: 190,000”. It is assumed that the purchase price for the “O watch”, which is the same product, is received from a plurality of purchasers. Further, for example, it is assumed that “O watch” is selected on the web page W1a and “residual value setting type credit” is selected on the web page W1b.

  When the receiving unit 331 receives a page request for the web page W1c including the product information of “O watch”, the acquiring unit 333 refers to the purchase information storage unit 121 and acquires the purchaser name “0 watch” corresponding to “O watch”. E ”,“ F ”,“ G ”and respective planned purchase prices“ 200,000 ”,“ 250,000 ”,“ 190,000 ”are acquired in association with each other, and the names of the acquired multiple purchasers and planned purchase prices The distribution unit 332 is instructed to distribute the web page W1c on which is displayed.

  Thus, since the information providing system 1 according to the first embodiment can provide a part or all of the planned purchase price corresponding to the designated product, the residual value setting that is easy for the user to use Type credits can be provided. Further, since the information providing system 1 can provide a plurality of purchasers and planned purchase prices set by the respective purchasers, the purchase price of a plurality of purchasers and a plurality of purchasers can be provided to the user. It can be grasped collectively. Thereby, the information provision system 1 can make a user compare several purchase planned prices.

  In addition, when displaying the plurality of planned purchase prices as described above, the distribution unit 332 may display, for example, any one of the plurality of planned purchase prices so that the user can select it. As described above, when the planned purchase price is displayed in a selectable manner, it is desirable to display the selected planned purchase price as a residual value, and the distribution unit 332 does not need to display the residual value input field B3. Then, for example, when the purchase purchase price is selected on the web page W1c, the number of payments is input, and the “next” button is pressed, the acquisition unit 333 selects the purchase price and selection of the selected product. The monthly payment amount is calculated based on the purchased purchase price, the selected number of payments, and the monthly interest rate. Then, the acquisition unit 333 instructs the distribution unit 332 to distribute a web page W1d that displays details of the repayment plan based on the calculated information.

[5-4. Multiple purchasers for the same product (2)]
As described above, the reception unit 131 of the purchase server 100 may accept submission of purchase prices by a plurality of purchasers for the same product. Then, the acquisition unit 333 acquires a predetermined planned purchase price among the planned purchase prices corresponding to a plurality of purchasers, and the distribution unit 332 provides the predetermined planned purchase price acquired by the acquisition unit 333. May be. Specifically, the acquisition unit 333 acquires the highest purchase planned price among the planned purchase prices corresponding to a plurality of purchasers as the predetermined purchase planned price.

  For example, the reception unit 131 of the purchase server 100 receives the purchaser E “scheduled purchase price: 200,000”, the purchaser F “scheduled purchase price: 250,000”, and the purchaser G “scheduled purchase” for the product “O watch”. It is assumed that a planned purchase price for “O watch” which is the same product is received from a plurality of purchasers such as “Price: 190,000”. Further, for example, it is assumed that “O watch” to be purchased is selected on the web page W1a, and “residual value setting type credit” is selected on the web page W1b.

  When the receiving unit 331 receives a page request for the web page W1c including the product information of “O watch”, the acquiring unit 333 refers to the purchase information storage unit 121. Then, the acquisition unit 333 sets the purchase price “250,000” of the purchaser “F” having the highest purchase price among the purchasers E to G that have submitted the purchase price to “O Watch”. ”And the corresponding elapsed years are acquired as display targets, and the acquired information is displayed on the web page W1c.

  As described above, the information providing system 1 according to the first embodiment provides the highest planned purchase price among the planned purchase prices corresponding to a plurality of purchasers. For the user, the higher the amount that can be purchased, the higher the merit of selecting the remaining credit as the repayment plan. For this reason, the information providing system 1 according to the first embodiment can provide a residual value setting type credit that is easy for the user to use.

  In addition, the acquisition unit 333 acquires a predetermined purchase planned price among the respective purchase planned prices corresponding to a plurality of purchasers, and the distribution unit 332 sets the predetermined purchase planned price acquired by the acquisition unit 333 for each You may provide so that a purchase planned price may be displayed in order with high order. For example, the acquisition unit 333 sends, to the distribution unit 332, in the descending order of the planned purchase price, “Purchaser F: Planned purchase price 250,000, Buyer E: Planned purchase price 200,000, Buyer G: Planned purchase price 190,000. "May be displayed side by side from top to bottom. In response to this, the distribution unit 332 sends, to the user terminal 10, in the descending order of the planned purchase price, “Purchaser F: Planned purchase price 250,000, Buyer E: Planned purchase price 200,000, Buyer G: Planned purchase. "Price 190,000" is displayed side by side from top to bottom.

  Moreover, the acquisition part 333 may acquire the purchase planned price of provision object among each planned purchase price corresponding to several purchasers as a predetermined purchase planned price based on the elapsed period. For example, the acquisition unit 333 refers to the purchase information storage unit 121, and when the planned purchase price is submitted by a plurality of purchasers for one product, the longest progress is made to the distribution unit 332. Preferential purchase price for which the number of years is set is displayed.

  Thus, since the information providing system 1 according to the first embodiment can provide the planned purchase price acquired based on the elapsed period, the residual value setting that is easy to use for a user who wants to hold the product for a long time. Can provide type credit.

[5-5. (Purchase guarantee is auction format)
As described above, the reception unit 131 of the purchase server 100 may accept submission of purchase prices by a plurality of purchasers for the same product. In this case, the reception unit 131 may be able to view the received information, that is, the content of the purchase information storage unit 121 from each purchaser terminal 50. Then, the acquisition unit 333 acquires, as the guaranteed purchase price, the purchase purchase price of the purchaser who has set the highest purchase planned price among the set planned purchase prices, and sends the acquired purchase price to the distribution unit 332. Display the guaranteed amount. This point will be described with reference to FIG.

  For example, for the product “O-watch”, the reception unit 131 purchases supplier E “scheduled purchase price: 200,000”, purchaser F “scheduled purchase price: 250,000”, and purchaser G “scheduled purchase price: 190,000”. It is assumed that the purchase price for the “O watch”, which is the same product, is received from a plurality of purchasers. Further, for example, it is assumed that “O watch” to be purchased is selected on the web page W1a, and “residual value setting type credit” is selected on the web page W1b.

  Thus, when the page request for the web page W1c is received, the acquisition unit 333 refers to the purchase information storage unit 221. Then, the acquisition unit 333 determines that the purchaser “F” having the highest planned purchase price among the purchasers E to G that have submitted the planned purchase price to “O Watch” has the planned purchase price “ “250,000” and “O-Watch” must be purchased as a purchase guarantee target. Then, the distribution unit 332 distributes the web page W1c on which the description “Purchase F, purchase guarantee at 250,000!” Is displayed on the web page W1c.

  At this time, the acquisition unit 333 may display information other than the purchase guarantee target. As a result, for example, the distribution unit 332 plans to purchase at “Buyer E, 200,000 to purchase with 200,000”, “Buyer E, 200,000 with purchase guarantee!”, And “Buyer G, 190,000 with purchase. ", That is, a web page W1c that displays information related to the purchase schedule is distributed. In addition, the distribution unit 332 shows an example in which the purchase purchase price of the purchaser who has set the highest purchase planned price is displayed as the guaranteed purchase price. However, the distribution unit 332 displays the purchase acquired by the acquisition unit 333. All of the planned prices may be displayed as purchase guarantee amounts.

  In addition, instead of determining the purchaser with the highest planned purchase price as the purchase guarantee object, the shopping server 300 sells the sold item when the product is sold at the store of the purchaser determined as the purchase guarantee object. May be contracted with each purchaser so as to be exhibited on a predetermined site (for example, an auction site) operated by the shopping server 300. In this case, for example, information indicating that the contract is agreed may be received from the purchaser terminal 50 by the reception unit 331 of the shopping server 300.

  As described above, the information providing system 1 according to the first embodiment can provide the purchase planned price of the purchaser who has set the highest purchase planned price as the guaranteed purchase price. It can be said that it is a residual value setting credit that can give a sense of security to select a residual credit as a plan and is easy for a user to use.

  In addition, the information providing system 1 according to the first embodiment can cause purchasers to compete for purchase prices. Thereby, since the information provision system 1 concerning Embodiment 1 can provide a higher purchase guarantee amount, it can provide the residual value setting type | mold credit which is easy to use for a user.

[5-6. (Specify purchaser)
Moreover, the reception part 331 may receive designation | designated of a purchaser from a goods sales agency. Then, the acquisition unit 333 acquires the planned purchase price corresponding to the purchaser designated by the merchandise seller, and causes the distribution unit 332 to display the acquired planned purchase price.

  For example, when the accepting unit 331 accepts the purchaser designation from the merchandise seller, the acceptor 331 identifies the seller ID, the vendor name (for example, store name), the sale merchandise name, and the designated buyer The name is associated and stored in a predetermined storage unit. Then, the acquisition unit 333 refers to the predetermined storage unit, and specifies the purchaser designated by the sales agency that sells the product that has been designated by the accepting unit 331.

  Then, the acquisition unit 333 refers to the purchase information storage unit 121, acquires the planned purchase price set for the product corresponding to the identified purchaser, and displays the acquired planned purchase price. This point will be described with reference to FIG.

  First, it is assumed that the store SP1 sells “K watch” on the shopping site Y3. Thereby, the shopping server 300 enables the store SP1 to designate the purchaser who sets the planned purchase price for the “K watch” by referring to the purchase information storage unit 121.

  Further, it is assumed that the product “K watch” is selected on the web page W1a and “residual value setting type credit” is selected on the web page W1b, so that the page request for the web page W1c is accepted by the accepting unit 331. Here, the acquisition unit 333 refers to the predetermined storage unit, and identifies the purchaser designated by the store SP1 selling “K watch”. Next, the acquisition unit 333 refers to the purchase information storage unit 121 and acquires the purchase information of “K watch” set by the specified purchaser. For example, the acquisition unit 333 acquires a purchase trader name, a planned purchase price, and an elapsed year as purchase information. Then, the acquisition unit 333 instructs the distribution unit 332 to distribute the web page W1c on which the acquired information is displayed.

  As described above, the information providing system 1 according to the first embodiment provides the planned purchase price of the purchaser designated by the sales agency that sells the designated product. For example, depending on the distributor, there may be a purchaser with a poor compatibility, and such a purchaser may not want to purchase his / her product. The information providing system 1 according to the first embodiment avoids the purchase by the purchaser that is not desired by the seller by providing the planned purchase price of the purchaser that is not desired by the seller. can do.

[5-7. (Same vendor sells and purchases)
Some vendors are both selling and buying. Therefore, the information providing system 1 according to the first embodiment realizes a system that enables a merchant to purchase a product that is sold by a merchant that performs both sales and purchases. In addition, the information providing system 1 according to the first embodiment realizes a system that enables purchase by a predetermined purchaser if the product is a product of only a seller.

  Specifically, the reception unit 331 further receives information related to the merchandise seller, and the acquisition unit 333 acquires the planned purchase price corresponding to the merchandise seller based on the information received by the reception unit 331. . Then, the distribution unit 332 displays the planned purchase price corresponding to the seller. This point will be described with reference to FIG.

  For example, it is assumed that a page request for the web page W1c is received by the receiving unit 331 by selecting a product on the web page W1a and selecting “residual value setting type credit” on the web page W1b. Here, the acquisition unit 333 refers to the purchase information storage unit 121 using the information on the seller of the selected product, and the seller of the selected product plans to purchase the selected product. Judge whether the price is submitted. For example, the acquisition unit 333 matches the “name” of the seller and the “purchaser name” in the purchase information storage unit 121, and the “product name” of the selected product and the “product” in the purchase information storage unit 121. If “name” matches, it is determined that the seller has also made a purchase.

  As described above, when it is determined that the seller has also purchased, the acquisition unit 333 acquires the planned purchase price corresponding to the seller from the purchase information storage unit 121. Then, the acquisition unit 333 displays the acquired planned purchase price. On the other hand, if the acquisition unit 333 determines that the seller has not made purchases, the acquisition unit 333 acquires purchase information of a predetermined purchaser among purchasers who have submitted purchase information for the selected product. And display the acquired purchase information. In this case, the processing by the acquisition unit 333 is as described above.

  Businesses that sell and purchase tend to want to buy their own products. The information providing system 1 according to the first embodiment acquires the purchase planned price set by the seller when the seller of the designated product also purchases, and uses the acquired purchase price. Display. As a result, the information providing system 1 according to the first embodiment can make it possible for a trader who is both selling and purchasing to purchase the product of the trader.

[5-8. Scheduled purchase price according to user attributes (1)]
In addition, the acquisition unit 333 may acquire a planned purchase price according to the user attribute of the user who has specified a product for which a residual value can be set. Here, as an example of user attributes, gender will be described as an example. For example, it is assumed that the shopping server 300 has a user attribute storage unit that stores gender and the like as user attributes of each user. In addition, the purchaser sets a planned purchase price in consideration of user attributes for the product.

  For example, the purchaser A sets a planned purchase price in consideration of gender for the product “K watch”. For example, based on the viewpoint that women tend to handle merchandise carefully, Buyer A, apart from the usual planned purchase price of “400,000” for “K Watch”, is the planned purchase price for women. It is assumed that the purchase planned price “450,000” set higher is set and submitted to the purchase server 100.

  Thereby, for example, when the reception unit 331 receives the designation of “K watch”, the acquisition unit 333 identifies the gender of the designation source user by referring to the user attribute storage unit. For example, when the acquisition unit 333 specifies that the product designation source user is “female”, the acquisition unit 333 refers to the purchase information storage unit 121 and acquires the planned purchase price “40” for “K Watch”. Instead of “10,000”, the acquisition price “450,000” for women is acquired. Then, the distribution unit 332 generates a web page on which the planned purchase price “450,000” acquired by the acquisition unit 333 is displayed, and distributes the generated web page.

  Thus, since the information providing system 1 according to the first embodiment can provide the planned purchase price according to the user attribute, it is possible to provide a fair planned purchase price according to the user attribute.

[5-9. Scheduled purchase price according to user attributes (2)]
In the above-described modification, an example in which a purchase purchase price considering user attributes is submitted by the purchaser has been described. However, the acquisition unit 333 may correct the acquired planned purchase price based on the user attribute.

  In this case, a correction value corresponding to the user attribute is determined in advance. For example, correction values corresponding to user attributes such as “user attribute: female, correction value: +1000 yen” and “user attribute: smoker, correction value: −3000 yen” are determined in advance. In the former case, if the designation source user who specified the product is a woman, the acquisition unit 333 displays an amount obtained by adding “1000 yen” to the planned purchase price acquired from the purchase information storage unit 121 as the planned purchase price. Means. In the latter case, if the designated user who specified the product is a smoker, the acquisition unit 333 uses the “excluding 3000 yen” from the planned purchase price acquired from the purchase information storage unit 121 as the planned purchase price. It means to display.

  Thus, since the information providing system 1 according to the first embodiment corrects the planned purchase price according to the user attribute, it is possible to provide a fair planned purchase price according to the user attribute.

[5-10. (Plan display)
The distribution unit 332 may distribute a web page that makes it possible to select a remaining credit as a repayment plan only when a product for which designation has been accepted is a purchase target. This point will be described with reference to FIG. In the above embodiment, if the pull-down B1 is pressed, the web page W1b in which the remaining credit can be selected as a repayment plan regardless of whether or not the designated product (“K watch” in FIG. 1) is the purchase target. An example is shown in which the generated web page W1b is distributed.

  However, the distribution unit 332 selects the remaining credit as the repayment plan only when the acquisition unit 333 acquires the planned purchase price for the “K watch” and the “K watch” is found to be the purchase target. Generate and deliver web pages that can be enabled. For example, if the purchase information storage unit 121 does not have a registration of “K watch” and is not a purchase target, the distribution unit 332 displays credit card payment, convenience store payment, cash on delivery by pressing the pull-down B1, and the remaining credit is A web page W1b that is not displayed is generated, and the generated web page W1b is distributed.

[5-11. System configuration〕
Purchase server 100, card company server 200, and shopping server 300 may be arbitrarily combined. For example, the purchase server 100, the card company server 200, and the shopping server 300 may be configured as one device. For example, the shopping server 300 may include a purchase information storage unit 121 and a plan information storage unit 221.

[5-12. (User terminal)
In 1st Embodiment, the user terminal 10 received the web page constructed | assembled by the shopping server 300 by transmitting a page request to the shopping server 300, and showed the example which displays the received web page. However, in the user terminal 10, for example, an application that controls a website (for example, the shopping site Y3) managed and operated by the shopping server 300 may be realized.

[5-13. Others]
As described above, what has been described in each modification can be similarly realized in the second and third embodiments described below.

(Second Embodiment)
[1. Information providing system)
In the first embodiment, an example in which purchase information such as a planned purchase price for a product specified by a user is provided by the information providing system 1 has been described. In the second embodiment, a product can be actually purchased with a repayment plan designed based on the purchase information. This point will be described with reference to FIG.

  FIG. 7 is a diagram illustrating an example of the information providing process according to the second embodiment. In the example of FIG. 7, the information provision processing system 2 includes a user terminal 10, a purchaser terminal 50, a purchase server 100, a shopping server 400, and a card company server 500. The user terminal 10, the purchaser terminal 50, the purchase server 100, the shopping server 400, and the card company server 500 are connected to be communicable via wire or wirelessly via a network. FIG. 7 is an example, and the number of user terminals 10, purchaser terminal 50, purchase server 100, shopping server 400, and card company server 500 is not limited to the number shown in FIG.

  Steps S1 to S4 are the same as those in the first embodiment, and a description thereof will be omitted. Then, for example, the user U10 presses the “Yes” button on the web page W1d to change “1 million yen K watch” to “payment count: 36 times, remaining value: 500,000, monthly repayment amount: 1”. Suppose that the purchase was made with a residual value setting type repayment plan such as “40,000, purchaser and planned purchase price: Company A 400,000”. Here, the plan determined by the user U10 is referred to as a plan PL1. Although not shown, it is assumed that personal information such as name, address, and card number has already been entered on a predetermined page.

  In response to pressing of the “Yes” button on the web page W1d, the user terminal U10 transmits various information such as product information about the purchased product, personal information, and information about the plan PL1 to the shopping server 400 (step). S5).

  Shopping server 400 stores purchase information such as product information, personal information, and plan PL1 (hereinafter referred to as purchase information) in purchase history storage unit 321 and transmits the purchase information to card company server 500. (Step S6).

  Upon receiving the purchase information, the card company server 500 pays the sales price “1 million yen” of the K watch to the shopping server 400 on behalf of the user U10 (step S7). Soon after, the card company server 500 starts monthly withdrawal from the account of the user U10 registered in the card Y2.

  Further, the card company server 500 transmits information related to the repayment plan to the user terminal 10 (step S8). Information related to the repayment plan includes details of the plan PL1 and plan change guidance. Further, when the final payment is approaching, the card company server 500 notifies the user terminal 10 to that effect (step S9). For example, when the user U10 receives the notification, the user U10 goes to the store of the purchaser A and sells the K watch to complete the repayment (step 10).

[2. Shopping server configuration]
FIG. 8 is a diagram illustrating a configuration example of the shopping server 400 according to the second embodiment. As illustrated in FIG. 8, the shopping server 400 includes a communication unit 310, a storage unit 320, and a control unit 430. Shopping server 400 is an apparatus corresponding to shopping server 300, but newly includes a transmission unit 434. Description of the same parts as the shopping server 300 is omitted.

  The storage unit 320 includes a purchase history storage unit 321. The purchase history storage unit 321 is a storage unit that stores information related to products purchased by the user as a purchase history. In the present embodiment, it is assumed that the purchase history storage unit 321 stores history information of products purchased at a shopping site Y3 that is a shopping site. FIG. 9 shows an example of the purchase history storage unit 321 according to the second embodiment. In the example of FIG. 9, the purchase history storage unit 321 includes “user ID”, “sales source”, “product name”, “sales price”, “purchase date”, “various user information”, “mail address”, “ Items such as “card number”, “plan information”, and “purchase information” are included.

  “User ID” is identification information for identifying the user terminal 10 and the user. “Sales source” indicates the name of the sales source of the product purchased by the user. “Product name” is the product name of the product purchased by the user. “Sales price” is the price of the product purchased by the user. “Purchase date” is a product purchase date. “Various user information” is indicated by conceptual symbols in FIG. 9, but is actually personal information such as the name, age, and address of each user. “Mail address” is, for example, the mail address of the user terminal 10. The “card number” is a card number of a card (Y2 card) used by the user. “Plan information” is, for example, information related to a repayment plan designed on the web page W1c, and includes information such as monthly payment amount, number of payments, and remaining value. “Purchase information” is information on a purchaser determined by the user, and includes a purchaser name and a planned purchase price set by the purchaser.

  That is, in the example of FIG. 9, the user identified by the user ID “U10” uses the Y2 card with the card number “XXXXXXX1”, “monthly payment amount: 14,000, payment number: 3 years, 36 times, It shows that “K Watch” was purchased for “Million Yen” on “March 2, 2015” with a repayment plan such as “Remaining Price: 500,000”. In addition, the name of the seller of “K watch” is “SP1”. In addition, the sales destination of the “K watch” by the user U10 is “Company A”. Further, the user U10 indicates that the user information “aaa1, aaa2, aaa3” and the mail address “XX1-YYY2 @ com” are registered at the time of purchase.

  Returning to FIG. 8, the control unit 430 is realized by executing various programs stored in the storage device inside the shopping server 300 using the RAM as a work area by the CPU, the MPU, or the like. The control unit 430 is realized by an integrated circuit such as ASIC or FPGA, for example.

  As illustrated in FIG. 8, the control unit 430 includes a reception unit 331, a distribution unit 332, an acquisition unit 333, and a transmission unit 434, and realizes or executes information processing functions and operations described below. . The internal configuration of the control unit 430 is not limited to the configuration illustrated in FIG. 7, and may be another configuration as long as the information processing described later is performed. In addition, the connection relationship between the processing units included in the control unit 430 is not limited to the connection relationship illustrated in FIG. 7 and may be another connection relationship.

  When the purchase of a product is determined by the user, the receiving unit 331 receives product information related to the product, user information including the user's personal information, and repayment plan information and the like when purchased using a card. The receiving unit 331 stores the received purchase information in the purchase history storage unit 321 as a purchase history in association with the user ID.

  The transmission unit 434 transmits the received purchase information to the card company server 500 every time purchase information is received by the reception unit 331. Note that the transmission unit 434 may also transmit information other than purchase information.

  In the example of FIG. 7, the user U10 selects the product “1 million yen, K watch”, “monthly payment amount: 14,000, number of payments” on the web page W1d of the shopping site Y3 operated by the shopping server 400. The following shows an example in which purchase is decided with a repayment plan such as “36 times in 3 years, residual value: 500,000” and “Company A” with “scheduled purchase price of 400,000” is selected as the purchase destination.

  When accepting such product information, repayment plan information, and user information by the user U10 via the web page W1d, the accepting unit 331 sends the received purchase information to the user ID (for example, “U10”). The purchase history is stored in the purchase history storage unit 321 as a purchase history.

  The transmission unit 434 transmits the received purchase information to the card company server 500 every time purchase information is received from the reception unit 331.

  For example, when the purchase information corresponding to the user ID “U10” illustrated in FIG. 8 is received from the reception unit 331, the transmission unit 434 transmits the purchase information to the card company server 500. The shopping server 400 may not be configured to transmit purchase information to the card company server 500, but the card company server 500 may refer to the purchase history storage unit 321 of the shopping server 400 at a predetermined timing.

[3. Configuration of card company server]
Next, the card company server 500 according to the second embodiment will be described with reference to FIG. FIG. 10 is a diagram illustrating a configuration example of the card company server 500 according to the second embodiment. As illustrated in FIG. 10, the card company server 500 includes a communication unit 210, a storage unit 520, and a control unit 530. Since the card company server 500 is a device corresponding to the card company server 200, the description of the same parts as the card company server 200 is omitted.

  The storage unit 520 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 520 includes a plan information storage unit 221 and a purchase history storage unit 522.

  The purchase history storage unit 522 stores the same information as the purchase history storage unit 321 of the shopping server 400 shown in FIG.

  The control unit 530 is realized by executing various programs stored in a storage device inside the card company server 500 using the RAM as a work area by a CPU, MPU, or the like. The control unit 530 is realized by an integrated circuit such as ASIC or FPGA, for example.

  As illustrated in FIG. 10, the control unit 530 includes a plan generation unit 231, a reception unit 532, a notification unit 533, an acquisition unit 534, and a distribution unit 535, and information processing functions and operations described below. Realize or execute. The internal configuration of the control unit 530 is not limited to the configuration illustrated in FIG. 10, and may be another configuration as long as the information processing described later is performed. Further, the connection relationship between the processing units included in the control unit 530 is not limited to the connection relationship illustrated in FIG. 10, and may be another connection relationship.

  The accepting unit 532 accepts designation of a product for which a plan change is desired to change the repayment plan. The reception unit 532 is a part having a function equivalent to the reception unit 331 of the shopping server 300.

  The receiving unit 532 may also receive other various types of information. For example, the reception unit 532 receives purchase information transmitted by the transmission unit 434 of the shopping server 400. Then, the receiving unit 532 stores the received purchase information in the purchase history storage unit 522. In addition, when receiving the purchase information, the reception unit 532 pays the shopping server 400 for the sales price included in the purchase information on behalf of the user.

  For example, when accepting purchase information corresponding to the user ID “U10” shown in FIG. 9 from the transmission unit 434, the accepting unit 532 pays “1 million yen” to the shopping server 400.

  The notification unit 533 notifies the user terminal 10 of predetermined information. For example, the notification unit 533 refers to the purchase history storage unit 522 and notifies the user terminal 10 of repayment plan information, purchase destination information, and the like confirmed by the user to an email address included in the purchase history. The notification unit 533 may be set in advance as a notification timing, for example, to notify after a predetermined period (for example, one day later) from the purchase date included in the purchase history.

  For example, when the purchase history corresponding to the user ID “U10” illustrated in FIG. 9 is received by the receiving unit 532, the notification unit 533 sends the repayment plan information “monthly to the e-mail address“ XX1-YYY2 @ COM ”. Various information such as payment amount: 14,000, number of payments: 36 times in 3 years, residual value: 500,000, and buyer information “buyer: A, planned purchase price: 400,000” is notified.

  Further, the notification unit 533 notifies the user terminal 10 of predetermined information when the final payment is approaching. Specifically, the notification unit 533 sends predetermined information to the user at the final payment time of the user who has purchased the product with a payment plan that can be paid in installments by subtracting the residual value that is a predetermined price to be paid in the future from the selling price. The terminal 10 is notified. For example, the notification unit 533 refers to the purchase history storage unit 522 and specifies the date of the final payment based on the purchase date and the number of payments. Then, the notification unit 533 notifies the user terminal 10 that the final payment is approaching, for example, a predetermined number of days before the specified date.

  At this time, the notifying unit 533 is not limited to the fact that the final payment is approaching, but also the information regarding the purchase price corresponding to the purchase price of the product purchased by the user and the purchase price of the product purchased by the user ( The purchaser name etc.) may also be notified to the user terminal 30. In the example of FIG. 9, the notifying unit 533 notifies the user terminal 30 of the user U10 of “buyer: A, planned purchase price: 400,000” at the final payment time. For example, the user may have forgotten the purchase time, the planned purchase price, and the purchaser corresponding to the purchased product. The information providing system 1 informs the user of such information again by notifying the user of the purchase time, planned purchase price, and purchaser at the final payment time of the product purchased by the user. Can do.

Further, the notification unit 533 may notify the purchaser terminal 50 of predetermined information when the final payment time approaches. For example, the notification unit 533 may notify the purchaser terminal 50 of predetermined information such as “Soon, Mr. OO is scheduled to visit XX for sale” in the near future.

  As described above, the card company server 500 does not necessarily have the purchase history storage unit 522. In this case, the notification unit 533 periodically makes various notifications by referring to the purchase history storage unit 321 of the shopping server 400. In this case, the accepting unit 532 may pay the shopping server 400 by accepting a predetermined signal from the notifying unit 533.

  In addition, the reception unit 532 periodically refers to the purchase history storage unit 321 of the shopping server 400 to transmit the referred information to the notification unit 533, and the notification unit 533 is based on the information received from the reception unit 532. Various notifications may be made.

  Returning to FIG. 10, the acquisition unit 534 acquires a planned purchase price, which is a price that a predetermined purchaser plans to purchase the product received by the reception unit 532 in the future. That is, the acquisition unit 534 corresponds to the acquisition unit 333 of the shopping servers 300 and 400.

  Further, the distribution unit 535 generates a web page corresponding to the page request, and distributes the generated web page to the user terminal 10. For example, the distribution unit 535 generates a web page that displays the information acquired by the acquisition unit 534, and distributes the generated web page to the user terminal 10. That is, the distribution unit 535 corresponds to the distribution unit 332 of the shopping servers 300 and 400. Below, the process of the acquisition part 534 and the delivery part 535 is demonstrated.

  For example, as shown in step S8 of FIG. 7, the notification unit 533 notifies the information of the confirmed repayment plan to the corresponding mail address. In the mail text at this time, for example, it is described that the repayment plan can be confirmed or the confirmed repayment plan can be changed in a predetermined website (website Y4) operated by the card company server 500. The In addition, a URL that links to the predetermined website is attached to the mail text.

  Here, FIG. 11 is an explanatory diagram for explaining the repayment plan change process according to the second embodiment. For example, it is assumed that the user U10 clicks such a URL in order to change the repayment plan. In response to this, the user terminal 10 receives the TOP page from the distribution unit 535 of the card company server 500 by transmitting a page request for the TOP page of the website Y4 to the card company server 500.

  Further, it is assumed that a page request for the web page W1e, which is a usage specification page, is transmitted from the user terminal 10 by further user operation. Here, when the page request is received by the receiving unit 532, the acquiring unit 534 refers to the purchase history storage unit 522, and acquires information associated with the user ID “U10” that identifies the user U10. Then, the acquisition unit 534 instructs the distribution unit 535 to distribute the web page W1e on which the acquired information is displayed.

  For example, in the example of the purchase history storage unit 522 in FIG. 9, the acquisition unit 534 acquires purchase information such as the sales source “SP1”, the purchase date “March 2, 2015”, and the purchase amount “1 million”.

  Then, the distribution unit 535 creates a web page W1e in which the information acquired by the acquisition unit 534 is displayed for each purchase date and time, and distributes the created web page W1e. Note that FIG. 11 is an example, and for example, the distribution unit 535 may display a selling price for each selling agency. Further, when the acquisition unit 534 acquires all the product names and sales prices corresponding to the user ID, the distribution unit 535 may display a list of products purchased by the user corresponding to the user ID.

  Here, in the web page W1e, “Purchase date: March 2, 2015, sales agency: SP1, sales price: 1 million” is selected, and “residual value setting type credit” is selected, and “next” is selected. It is assumed that a page request including such selection information is transmitted from the user terminal 10 due to the button being pressed. Here, when the page request is received by the reception unit 532, the acquisition unit 534 refers to the purchase history storage unit 522 and identifies a product corresponding to the selection information.

  In the example of FIG. 11, when the page request is received by the receiving unit 532, the acquiring unit 534 refers to the purchase history storage unit 522 using the selection information, and the product “K” purchased by the user U10 at the store “SP1” Identify "Watch".

  Then, the acquisition unit 534 refers to the purchase information storage unit 121 and determines whether “K watch” is a purchase target. The acquisition unit 534 determines that “K watch” is a purchase target because “K watch” is registered in the purchase information storage unit 121. Thereby, the acquisition unit 534 instructs the distribution unit 535 to distribute the web page W1f in which, for example, the product name “K watch” and the selling source “SP1” are displayed.

  Further, it is assumed that a page request including the selection information “K watch” is transmitted from the user terminal 10 when the store “K watch” of the web page W1f is selected and the “next” button is pressed. Here, when the page request is received by the reception unit 532, the acquisition unit 534 refers to the purchase information storage unit 121 and acquires purchase information (a purchaser name, a planned purchase price, an elapsed period) corresponding to the product. . Then, the acquisition unit 534 instructs the distribution unit 535 to distribute the web page W1g on which the acquired purchase information is displayed.

  Further, the acquisition unit 534 refers to the plan information storage unit 221 using the product information of the selected product. Then, the acquisition unit 534 acquires the “payment count” associated with the “price range” corresponding to the sales price, and the web page W1g in which the acquired payment count is displayed in the pull-down list of the web page W1g. Is distributed to the distribution unit 535.

  In the example of FIG. 11, when the reception unit 532 receives the selection information “K watch” page request, the acquisition unit 534 refers to the purchase information storage unit 121 and sets the purchase price for the K watch. The name “A”, the planned purchase price “400,000”, and the elapsed period “5 years” are acquired, and the distribution unit 535 is instructed to distribute the web page W1g on which the acquired purchase information is displayed.

  In addition, the acquisition unit 534 uses the product information “sales price 1 million, K watch” and refers to the plan information storage unit 221 shown in FIG. The number of payments attached “12 times, 24 times, 36 times” is acquired. Then, the acquisition unit 534 instructs the distribution unit 535 to distribute the web page W1g on which the acquired plan information is displayed.

  The distribution unit 535 generates the web page W1g according to the instruction received from the acquisition unit 534, and distributes the generated web page W1g to the user terminal 10. Thereby, the user U10 can change the repayment plan with reference to purchase information such as a planned purchase price.

  The web page W1g shows an example in which the residual value is input by the user, but the residual value is not necessarily a user input. For example, the acquisition unit 534 acquires the residual value determined by the plan generation unit 231 in the same manner as the processing of the acquisition unit 333 described above, and distributes the web page W1g in which the acquired residual value is displayed. The delivery unit 535 may be instructed. Further, the acquisition unit 534 may instruct the distribution unit 535 to distribute the web page W1g in which the planned purchase price is displayed as the residual value, similarly to the processing of the acquisition unit 333 described above.

  Here, in the web page W1g, it is assumed that the number of payments is selected from the pull-down B4, a predetermined residual value is input to the residual value input field B5, and the “Next” button is pressed.

  Accordingly, it is assumed that a page request including selection and input information on the web page W1g is transmitted from the user terminal 10. When the receiving unit 532 receives a page request, the acquiring unit 534 refers to the plan information storage unit 221 using the selling price and the number of payments of the selected product, and acquires the corresponding “monthly interest rate”. Then, the acquisition unit 534 calculates the monthly payment amount based on the acquired “monthly interest rate”, the selling price of the selected product, the number of payments, and the residual value. Then, the acquisition unit 534 instructs the distribution unit 535 to distribute the web page W1h on which the plan details based on the calculated result are displayed.

  For example, as shown in FIG. 11, it is assumed that a repayment plan such as “number of payments: 24 times, remaining value: 400,000” is designed on the web page W1g. As a result, the acquisition unit 534 refers to the plan information storage unit 221 and acquires the monthly interest rate “5%” corresponding to the selling price “1 million yen” and the number of payments “24 times”. Then, the acquisition unit 534 instructs the distribution unit 535 to distribute the web page W1h on which the plan details based on the calculated result are displayed.

  For example, when “Yes” is pressed on the web page W1h, the designed plan is determined.

  In the example of FIG. 11, an example is shown in which the distribution unit 535 displays a repayment format (such as installment payment, revolving payment, and remaining credit) along with the usage details on the web page W1e. However, the distribution unit 535 is not limited to this example. For example, as illustrated in the web pages W1a to W1b in FIG. 1, the distribution unit 535 purchases a product corresponding to the selected product after the product is selected (for example, the web page W1e). A web page (for example, web page W1f) displaying the information and the repayment format may be generated, and the generated web page may be distributed.

  Moreover, the purchase server 100, the shopping server 400, and the card company server 500 may be arbitrarily combined. For example, the purchase server 100, the shopping server 400, and the card company server 500 may be configured as one device. Further, for example, the shopping server 400 may include a purchase information storage unit 121 and a plan information storage unit 221.

(Third embodiment)
[1. Information providing system)
In the first and second embodiments, the information providing process in the case of purchasing a product on the Internet using a predetermined site has been described. In the third embodiment, an information providing process when purchasing a product at an actual store will be described.

  First, an example of the information provision process according to the third embodiment will be described with reference to FIG. FIG. 12 is a diagram illustrating an example of the information providing process according to the third embodiment. In the example of FIG. 12, the information provision processing system 3 includes a user terminal 10, a purchaser terminal 50, a store terminal 60, a purchase server 100, and a card company server 600. The user terminal 10, the purchaser terminal 50, the store terminal 60, the purchase server 100, and the card company server 600 are communicably connected via a network in a wired or wireless manner. FIG. 12 is an example, and the number of user terminals 10, purchaser terminal 50, store terminal 60, purchase server 100, and card company server 600 is not limited to the number shown in FIG. Further, the description of the same elements as those described above will be omitted.

  The store terminal 60 is a terminal device used in a store, and is a terminal device such as a personal computer. And the store terminal 60 transmits the information regarding the card | curd used in the case of the product purchase by a user, and the information regarding the purchased goods to the card company server 600 according to operation of an employee, for example.

  The card company server 600 is a server device used by a card company that issues and operates a predetermined credit card. For example, the card company server 600 generates a repayment plan to be provided to the user in accordance with the operation of the employee of the card company that operates the card company. In this embodiment, the card company that operates the card company server 600 is assumed to be “card company Y1”. Further, a credit card issued by “card company Y1” is referred to as “Y2 card”. That is, the card company server 600 is an apparatus corresponding to the card company servers 200 and 500 described above.

  In addition, the card company server 600 operates a predetermined website that can confirm usage details and change a repayment plan. This website is referred to as “loan site Y5”.

  In the information providing system 3 according to the third embodiment, the user terminal 10, the purchase server 100, and the card company server 600 are linked. As a result, the information providing system 3 according to the third embodiment can change the repayment plan for the merchandise purchased at the actual store to the repayment plan using the remaining credit and purchase the planned purchase price for the merchandise. It is a system that makes it possible to provide information. Below, the information provision process by the information provision processing system 3 concerning 3rd Embodiment is demonstrated concretely.

  It is assumed that the purchase server 100 has received purchase information submission from the purchaser terminal 50 in advance. Further, it is assumed that the card company server 600 has generated a repayment plan in advance. However, without being limited to this example, the purchase server 200 may accept submission of purchase information from the purchaser terminal 50 at any timing. The card company server 600 may generate a repayment plan at any timing.

  For example, when the user U10 purchases a product using the Y2 card, the store terminal 60 reads the barcode of the product or reads the Y2 card, and purchase price, purchase date and time, purchase store information (purchased store name). ) And purchase information including card information (such as a card number) is transmitted to the card company server 600 (step S11). The card company server 600 stores the received purchase information as a purchase history in a purchase history storage unit 622 described later.

  In addition, what is the product purchased at the actual store, that is, the product name, product type, and the like are not transmitted to the card company server 600. Therefore, for example, the card company server 600 can manage “where and how much shopping”, but cannot manage “what you bought”.

  And card company server 600 will pay sales price (purchase price) to store terminal 60 on behalf of user U10, if purchase information is received (Step S12).

  Here, it is assumed that the user terminal 10 transmits a page request, which is a request for the TOP page of the loan site Y5, to the card company server 600 according to the operation of the user U10 (step S13). When the card company server 600 receives the page request, the card company server 600 delivers the TOP page of “loan site Y5”.

  Next, it is assumed that the user terminal 10 transmits to the card company server 600 a page request for changing to the web page W2a, which is a usage details page, according to the operation of the user U10. When receiving the request, the card company server 600 refers to the purchase history storage unit 622 to acquire a purchase history corresponding to the user U10. For example, it is assumed that the card company server 600 acquires “purchase date: March 2, 2015, store name: SP10, total price: 1 million” as the purchase history of the user U10, as shown in FIG.

  Then, the card company server 600 generates a web page W2a on which the acquired purchase history is displayed, and distributes the generated web page W2a.

  As shown in FIG. 12, on the web page W2a, a payment method can be selected from card payment, revolving payment, and residual value setting type credit. As shown in FIG. 12, it is assumed that the user U10 selects “remaining value setting type credit” and presses the “next” button.

  In response to this, the user terminal 10 transmits a page request including the selection information “residual value setting type credit” to the card company server 600. When the card company server 600 receives the request, for example, as shown in FIG. 12, the card company server 600 generates a web page W2b in which a product input field B6 for inputting a product name is displayed, and the generated web page W2b is displayed. Distribute (step S14).

  Here, it is assumed that the user U10 inputs “W watch” in the product input field B6 of the web page W2b and presses the “Next” button.

  When the card company server 600 receives a page request including the product information “W watch”, the card company server 600 refers to the purchase information storage unit 121 and determines whether or not the W watch is a purchase target. In the example of FIG. 12, since the W watch is registered in the purchase information storage unit 121, the card company server 600 determines that the W watch is a purchase target.

  Then, the card company server 600 acquires purchase information including the purchaser “C” corresponding to the W watch, the planned purchase price “400,000”, and the elapsed period “5 years”, and the acquired purchase information is displayed. A new web page W2c is generated, and the generated web page W2c is distributed (step S15).

  As shown in FIG. 12, the web page W2c includes a pull-down B7 for displaying a repayment plan (the number of payments and the like) generated by the card company server 600 and a residual value input field B8 for receiving an input of the residual value. .

  For example, as shown in FIG. 12, the user U10 selects the number of payments “36 times” from the pull-down B7, designs “repayment plan” by inputting “500,000” in the remaining value input field B8, It is assumed that the “To” button is pressed.

  In response to this, the user terminal 10 transmits a page request including the input information to the shopping server 300. Upon receiving the request, the card company server 600 divides “500,000” obtained by subtracting the remaining value “500,000” from the total price “1 million” by the number of payments “36 times” and is set by the card company Y1. Calculate the monthly payment amount considering the specified interest rate fee.

  Then, the card company server 600 generates a web page W2d in which the calculated information is displayed as, for example, a detailed diagram, and purchase information corresponding to the W watch is selectably displayed, and the generated web page Distribute W2d.

  Here, in response to pressing the “Yes” button on the web page W2d, the user terminal U10 transmits the repayment plan information after the change (step S17). For example, the card company server 600 stores the received changed plan in a predetermined storage unit in association with the user ID.

  Further, the card company server 600 notifies various information to the user terminal 10 at a predetermined timing (step S18). For example, the card company server 600 notifies the user terminal 10 when the final payment is approaching. For example, when receiving the notification, the user U10 goes to the store of the purchaser C and sells the W watch to complete the repayment (step S19).

[2. Configuration of card company server]
Next, a card company server 600 according to the third embodiment will be described with reference to FIG. FIG. 13 is a diagram illustrating a configuration example of a card company server 600 according to the third embodiment. As illustrated in FIG. 13, the card company server 600 includes a communication unit 210, a storage unit 620, and a control unit 630. Since the card company server 600 is an apparatus corresponding to the card company servers 200 and 500, the description of the same parts as the card company servers 200 and 500 is omitted.

  The storage unit 620 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 620 includes a plan information storage unit 221 and a purchase history storage unit 622.

  Here, FIG. 14 shows an example of the purchase history storage unit 622 according to the third embodiment. In the example of FIG. 14, the purchase history storage unit 622 stores “user ID”, “sales source”, “sales price”, “purchase date”, “various user information”, “mail address”, “card number”, “card number”, “ It has items such as “plan information”.

  “User ID” is identification information for identifying the user terminal 10 and the user. “Sales source” indicates the name of the sales source of the product purchased by the user. As described above, in the third embodiment, the store that is the selling agency is an actual store. That is, the “sales agency” here indicates the name of the actual store. “Purchase date” is the date on which the product is purchased.

  “Sales price” is the total price of the product purchased by the user. As described above, the card company cannot grasp what the product purchased at the actual store is. Thus, the selling price here indicates, for example, the total amount of the purchased products for each purchase date or the total amount of the purchased products for each store.

  The “various user information”, “mail address”, “card number”, and “plan information” are as described in the purchase history storage unit 321 or 522 shown in FIG.

  The control unit 630 is realized by executing various programs stored in a storage device inside the card company server 600 using the RAM as a work area by a CPU, MPU, or the like. The control unit 630 is realized by an integrated circuit such as ASIC or FPGA, for example.

  As illustrated in FIG. 13, the control unit 630 includes a plan generation unit 231, a reception unit 532, a notification unit 533, an acquisition unit 634, and a distribution unit 535. Realize or execute the action. Note that the internal configuration of the control unit 630 is not limited to the configuration illustrated in FIG. 13, and may be another configuration as long as the configuration performs information processing described below. Further, the connection relationship between the processing units included in the control unit 630 is not limited to the connection relationship illustrated in FIG. 13, and may be another connection relationship.

  The accepting unit 532 accepts designation of a product that can be paid in installments by subtracting a residual price that is a predetermined price from the selling price. That is, the reception unit 532 corresponds to the reception unit 331 of the shopping server 300.

  The receiving unit 532 may also receive other various information. For example, the reception unit 532 may receive a page request that is a request for a web page transmitted from the user terminal 10 or purchase information such as a purchase date or a sale price of a product from the store terminal 60.

  The acquisition unit 634 performs processing related to a plan change by the user. For example, the acquisition unit 634 acquires the planned purchase price for the product received by the reception unit 532. That is, the acquisition unit 634 corresponds to the acquisition unit 333 of the shopping server 300. Below, the process of the acquisition part 634 is demonstrated using FIG.

  For example, the user terminal 10 receives the TOP page from the distribution unit 535 of the card company server 600 by transmitting a page request for the TOP page of the loan site Y5 to the card company server 600 according to the operation of the user U10.

  Further, it is assumed that a page request for the web page W2a, which is a usage specification page, is transmitted from the user terminal 10 by further user operation. Here, when the page request is received by the receiving unit 532, the acquiring unit 634 refers to the purchase history storage unit 622 and acquires information corresponding to the user ID “U10” that identifies the user U10. Then, the acquisition unit 634 instructs the distribution unit 535 to distribute the web page W1e on which the acquired information is displayed.

  For example, in the example of the purchase history storage unit 622 in FIG. 14, the acquisition unit 634 acquires purchase information such as a sales source “SP10”, a purchase date “March 2, 2015”, and a sales price “1 million”.

  Then, the distribution unit 535 creates a web page W2a in which the information acquired by the acquisition unit 634 is displayed for each purchase date and time, and distributes the created web page W2a. Note that FIG. 12 is an example, and for example, the distribution unit 535 may display a selling price for each selling agency.

  Here, in the web page W2a, “Purchase date: March 2, 2015, sales agency: SP10, sales price: 1 million” is selected, and “residual value setting type credit” is selected, and “next” is selected. It is assumed that a page request including such selection information is transmitted from the user terminal 10 due to the button being pressed.

  When the request is received by the receiving unit 532, the distribution unit 535 generates and generates a web page W2b that displays a product input field B6 for inputting a product name, for example, as illustrated in FIG. The web page W2b is distributed.

  Here, when the user U10 inputs “W watch” in the product input field B6 of the web page W2b and presses the “next” button, the page request including the input information “W watch” is received by the user terminal 10. Is sent from.

  When the receiving unit 532 receives a page request, the acquiring unit 634 refers to the purchase information storage unit 121 and acquires purchase information (a purchaser name, a planned purchase price, an elapsed period) corresponding to the input product. Then, the acquisition unit 634 instructs the distribution unit 535 to distribute the web page W2c on which the acquired purchase information is displayed.

  Further, the acquisition unit 634 refers to the plan information storage unit 221 using the product information of the input product. Then, the acquisition unit 634 acquires the “payment count” associated with the “price range” corresponding to the selling price, and the acquired payment count is displayed in the pull-down list of the web page W2c. Is distributed to the distribution unit 535.

  In the example of FIG. 12, when the page request including the selection information “W watch” is received by the receiving unit 532, the acquiring unit 634 refers to the purchase information storage unit 121 and sets a purchase price for “W watch”. The distribution section 535 is instructed to distribute the web page W2c in which the acquired purchaser name “C”, the planned purchase price “400,000” and the elapsed period “5 years” are acquired and the acquired purchase information is displayed. .

  Further, the acquisition unit 634 uses the information “sales price 1 million” selected on the web page W2a to refer to the plan information storage unit 221 shown in FIG. "12 times, 24 times, and 36 times" are acquired. Then, the acquisition unit 634 instructs the distribution unit 535 to distribute the web page W2c on which the acquired plan information is displayed.

  The distribution unit 535 generates the web page W2c according to the instruction received from the acquisition unit 634, and distributes the generated web page W2c to the user terminal 10. Thereby, the user U10 can change the repayment plan with reference to purchase information such as a planned purchase price.

  The web page W2c shows an example in which the remaining value is input by the user, but the remaining value does not necessarily have to be user input. For example, the acquisition unit 634 acquires the residual value determined by the plan generation unit 231 in the same manner as the processing of the acquisition unit 333 described above, and distributes the web page W2c that displays the acquired residual value. The delivery unit 535 may be instructed. Further, the acquisition unit 634 may instruct the distribution unit 535 to distribute the web page W2c in which the planned purchase price is displayed as the residual value, similarly to the processing of the acquisition unit 333 described above.

  Here, on the web page W2c, it is assumed that the number of payments is selected from the pull-down B7, a predetermined residual value is input to the residual value input field B8, and the “Next” button is pressed.

  Accordingly, it is assumed that a page request including selection and input information on the web page W2c is transmitted from the user terminal 10. When the receiving unit 532 receives a page request, the acquiring unit 634 refers to the plan information storage unit 221 using the information selected on the web page W2a and the number of payments, and acquires the corresponding “monthly interest rate”. Then, the acquisition unit 634 calculates the monthly payment amount based on the acquired “monthly interest rate”, the selling price, the number of payments, and the residual value. Then, the acquisition unit 634 instructs the distribution unit 535 to distribute the web page W2d that displays the plan details based on the calculated result.

  For example, as shown in FIG. 12, it is assumed that a repayment plan such as “number of payments: 36 times, remaining value: 500,000” is designed on the web page W2c. Thereby, the acquisition unit 634 refers to the plan information storage unit 221 and acquires the monthly interest rate “8%” corresponding to the selling price “1 million yen” and the number of payments “36 times”. Then, the acquisition unit 634 instructs the distribution unit 535 to distribute the web page W2d that displays the plan details based on the calculated result.

  For example, when “Yes” is pressed on the web page W2d, the designed plan is determined.

  In the example of FIG. 12, an example is shown in which the delivery unit 535 displays a repayment format (such as installment payment, revolving payment, and remaining credit) along with the usage details on the web page W2a. However, the distribution unit 535 is not limited to this example. For example, as illustrated in the web pages W1a to W1b in FIG. 1, the distribution unit 535 performs purchase information and repayment corresponding to the selected product after the product is selected (input). A web page displaying the format may be generated, and the generated web page may be distributed.

  Further, the purchase server 100 and the card company server 600 may be arbitrarily combined. For example, the purchase server 100 and the card company server 600 may be configured as one device.

(Other embodiments)
The first to third embodiments described above may be implemented in various different forms other than the above embodiment. Accordingly, other embodiments will be described below.

[1. program〕
Each advertisement server according to the embodiment described above is realized by, for example, a computer 1000 configured as shown in FIG. Hereinafter, the shopping server 300 will be described as an example. FIG. 15 is a hardware configuration diagram illustrating an example of a computer 1000 that implements the functions of the shopping server 300. The computer 1000 includes a CPU 1100, RAM 1200, ROM 1300, HDD 1400, communication interface (I / F) 1500, input / output interface (I / F) 1600, and media interface (I / F) 1700.

  The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400 and controls each unit. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

  The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. The communication interface 1500 receives data from other devices via the communication network 50 and sends the data to the CPU 1100, and transmits data generated by the CPU 1100 to other devices via the communication network 50.

  The CPU 1100 controls an output device such as a display and a printer and an input device such as a keyboard and a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. In addition, the CPU 1100 outputs the generated data to the output device via the input / output interface 1600.

  The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads such a program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. Etc.

  For example, when the computer 1000 functions as the shopping server 300 according to the embodiment, the CPU 1100 of the computer 1000 implements the function of the control unit 330 by executing a program loaded on the RAM 1200. The HDD 1400 stores data in the storage unit 320. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them. However, as another example, these programs may be acquired from other devices via the communication network 50.

  When the computer 1000 functions as the card company server 500 according to the embodiment, the CPU 1100 of the computer 1000 implements the function of the control unit 530 by executing a program loaded on the RAM 1200. The HDD 1400 stores data in the storage unit 520. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them. However, as another example, these programs may be acquired from other devices via the communication network 50.

[2. Others]
In addition, among the processes described in the above embodiment, all or part of the processes described as being automatically performed can be performed manually, or the processes described as being performed manually can be performed. All or a part can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the document and drawings can be arbitrarily changed unless otherwise specified. For example, the various types of information illustrated in each drawing is not limited to the illustrated information.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured.

  Moreover, each embodiment mentioned above can be combined suitably in the range which does not contradict a process content.

  As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to implement the present invention in other forms with improvements.

  In addition, the “section (module, unit)” described above can be read as “means” or “circuit”. For example, the request unit can be read as request means or a request circuit.

DESCRIPTION OF SYMBOLS 1 Information provision system 2 Information provision system 3 Information provision system 100 Purchase server 121 Purchase information storage part 200 Card company server 221 Plan information storage part 231 Plan generation part 300 Shopping server 321 Purchase history storage part 331 Reception part 332 Distribution part 333 Acquisition part 400 shopping server 434 transmission unit 500 card company server 522 purchase history storage unit 532 reception unit 533 notification unit 534 acquisition unit 535 distribution unit 600 card company server 622 purchase history storage unit 634 acquisition unit

Claims (15)

A reception unit that accepts designation of a product that can set a part of the selling price as a future residual value;
An acquisition unit for acquiring a planned purchase price, which is a price that a predetermined purchaser plans to purchase the product received by the reception unit in the future;
A payment plan in which the planned purchase price acquired by the acquisition unit and an amount obtained by subtracting the residual value, which is a predetermined price to be paid in the future, from the selling price can be paid in installments, and the amount corresponding to the residual value is paid in the final payment A transmission unit for transmitting a payment plan designated as;
A notification unit for notifying predetermined information to a purchaser corresponding to a planned purchase price of the product at the final payment time of the user who purchased the product in the payment plan;
An information providing system characterized by comprising: A reception unit that accepts designation of a product that can set a part of the selling price as a future residual value;
An acquisition unit for acquiring a planned purchase price, which is a price that a predetermined purchaser plans to purchase the product received by the reception unit in the future;
A payment plan in which the planned purchase price acquired by the acquisition unit and an amount obtained by subtracting the residual value, which is a predetermined price to be paid in the future, from the selling price can be paid in installments, and the amount corresponding to the residual value is paid in the final payment A transmission unit for transmitting a payment plan designated as;
A notification unit for notifying the user of the purchase of the product in the payment plan at the final payment time of the purchase price of the product and information on the purchaser corresponding to the purchase price of the product;
An information providing system characterized by comprising: The transmission unit has a purchase plan price acquired by the acquisition unit as a payment plan that can be paid in installments, and a purchase plan price that is planned to be purchased in the future by a purchaser different from the seller of the product. information providing system according to claim 1 or 2, characterized in that transmitting the set payment plan to the valency. The acquisition unit acquires each purchase planned price corresponding to a plurality of purchasers who purchase the product,
The information transmission system according to any one of claims 1 to 3, wherein the transmission unit transmits at least one of each scheduled purchase price acquired by the acquisition unit. The acquisition unit acquires a predetermined purchase planned price among the planned purchase prices corresponding to a plurality of purchasers who purchase the product,
And the transmission unit, a predetermined purchase target price acquired by the acquisition unit, any one of the claims 1-4, characterized by transmitting to the predetermined purchase target price are displayed in descending order Information providing system described in 1. The acquisition unit corresponds to a plurality of purchasers who purchase the product as the predetermined planned purchase price based on the planned purchase price or an elapsed time from the present when the purchaser can purchase at the planned purchase price. 6. The information providing system according to claim 5 , wherein the planned purchase price to be transmitted is acquired from each planned purchase price. The information transmission system according to any one of claims 1 to 6 , wherein the transmission unit transmits the planned purchase price acquired by the acquisition unit as a purchase guarantee amount. The reception unit further receives information on a seller of the product,
The acquisition unit acquires a planned purchase price corresponding to the seller of the product based on information about the seller of the product,
The information transmission system according to any one of claims 1 to 7 , wherein the transmission unit transmits a planned purchase price corresponding to the seller. The acquisition unit acquires a planned purchase price according to a user attribute of a user who specifies a product for which the residual value can be set;
The information transmission system according to any one of claims 1 to 8 , wherein the transmission unit transmits a planned purchase price according to the user attribute. 10. The information provision according to claim 9 , wherein the acquisition unit acquires a planned purchase price corresponding to the user attribute by correcting a planned purchase price corresponding to the product received by the receiving unit. system. The acquisition unit acquires an elapsed period from the present purchaseable price together with the planned purchase price, from the present purchaseable price,
The information transmitting system according to any one of claims 1 to 10 , wherein the transmitting unit transmits the planned purchase price and the elapsed period acquired by the acquiring unit. An information providing method executed by a computer,
A reception process for accepting designation of a product that can set a part of the selling price as a future residual value;
An acquisition step of acquiring a planned purchase price that is a price that a predetermined purchaser plans to purchase the received product in the future by the reception step;
It is a payment plan in which an amount obtained by subtracting the planned purchase price acquired in the acquisition step and the residual value that is a predetermined price to be paid in the future from the selling price can be paid in installments, and the amount corresponding to the residual value is paid in the final payment A sending step for sending a payment plan designated to be,
A notification step of notifying predetermined information to a purchaser corresponding to a planned purchase price of the product at the final payment time of the user who purchased the product in the payment plan;
An information providing method characterized by including An information providing method executed by a computer,
A reception process for accepting designation of a product that can set a part of the selling price as a future residual value;
An acquisition step of acquiring a planned purchase price that is a price that a predetermined purchaser plans to purchase the received product in the future by the reception step;
It is a payment plan in which an amount obtained by subtracting the planned purchase price acquired in the acquisition step and the residual value that is a predetermined price to be paid in the future from the selling price can be paid in installments, and the amount corresponding to the residual value is paid in the final payment A sending step for sending a payment plan designated to be,
A notification step of notifying the user of the purchase final price of the product purchased in the payment plan and information on the purchaser corresponding to the purchase price of the product and the purchase price of the product to the user;
An information providing method characterized by including Acceptance procedure to accept the designation of products that can set a part of the selling price as future residual value,
An acquisition procedure for acquiring a planned purchase price that is a price that a predetermined purchaser plans to purchase the received product in the future by the reception procedure;
A payment plan in which an amount obtained by subtracting the planned purchase price acquired by the acquisition procedure and the residual value, which is a predetermined price to be paid in the future, from the selling price can be paid in installments, and the amount corresponding to the residual value is paid in the final payment A sending procedure to send a payment plan specified to, and
A notification procedure for notifying predetermined information to a purchaser corresponding to a planned purchase price of the product at the final payment time of the user who purchased the product with the payment plan;
An information providing program for causing a computer to execute. Acceptance procedure to accept the designation of products that can set a part of the selling price as future residual value,
An acquisition procedure for acquiring a planned purchase price that is a price that a predetermined purchaser plans to purchase the received product in the future by the reception procedure;
A payment plan in which the planned purchase price acquired by the acquisition procedure and an amount obtained by subtracting the residual value that is a predetermined price to be paid in the future from the selling price can be paid in installments, and the amount corresponding to the residual value is paid in the final payment A sending procedure to send a payment plan specified to, and
A notification procedure for notifying the user of the purchase final price of the product purchased in the payment plan, information regarding the purchase price of the product and a purchaser corresponding to the purchase price of the product;
An information providing program for causing a computer to execute.

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