JP6502560B1 - Credit degree calculation method, information processing apparatus and credit degree calculation program - Google Patents

Abstract

The present invention provides a credit rating calculation method for appropriately evaluating a user's credit based on the behavior of a buyer and seller of the user in an electronic commerce platform and the debt repayment status when the user has a debt.
A method of calculating a credit rating includes the steps of: acquiring, by an information processing apparatus, first information on a user in a case where the user is a seller in the electronic commerce platform; 2. A step of acquiring information, a step of acquiring information on a user's debt repayment status, and a step of calculating the user's credit based on the first information, the second information and the information on debt repayment status Run.
[Selected figure] Figure 37

Description

  The present disclosure relates to a method for calculating creditworthiness, an information processing apparatus, and a program for calculating creditworthiness.

  In recent years, business transactions between individuals using the Internet have been conducted. In commerce using the Internet, the identity of the user may not be clear, so the credibility may be calculated to confirm whether the user is a credible user.

  For example, in Patent Document 1 below, user information on a user who uses electronic money is acquired, and when there is a shortage in charge balance in the settlement of electronic money used by the user, the user's credit is calculated based on the user information. An execution apparatus is described which determines whether charging of the electronic money account used by the user is executable based on the calculated creditworthiness of the user.

JP 2017-091245 A

  According to the technology described in Patent Document 1, it is possible to determine the payment ability of the user based on the credit, and to charge the electronic money account according to the credit. However, in commerce between individuals using the Internet, since the same user can be both a buyer and a seller, it may not be possible to appropriately evaluate the user's credit simply by measuring the user's payment ability.

  An object of the present disclosure is to provide a credibility calculation method, an information processing apparatus, and a credibility calculation program, which multilaterally evaluates a user's credibility in commerce between individuals using the Internet.

  According to one aspect of the present disclosure, there is provided a method of calculating reliability by: acquiring, by an information processing apparatus, first information on a user when the user is a seller in the electronic commerce platform; and, when the user is a buyer in the electronic commerce platform Acquiring second information about the user, acquiring information about the user's debt repayment status, and calculating the user's credit based on the first information, the second information, and the information about the debt repayment status And.

  An information processing apparatus according to another aspect of the present disclosure includes: a first acquisition unit that acquires first information on a user when the user is a seller in the electronic commerce platform; and a user when the user is a buyer in the electronic commerce platform Calculated on the basis of the second acquisition unit for acquiring second information on the third, the third acquisition unit for acquiring information on the repayment status of the user's debt, and the credit information of the user, the first information, the second information, and the repayment status of the debt Calculating unit.

  The credit rating calculation program according to another aspect of the present disclosure includes the steps of: acquiring, in an information processing apparatus, first information on a user when the user is a seller in the electronic commerce platform; and when the user is a buyer in the electronic commerce platform Acquiring second information on the user in the step of acquiring information on the user's debt repayment status, calculating the user's credit based on the first information, the second information, and the debt repayment status. , To perform.

FIG. 1 shows a configuration of a communication system according to an aspect of the embodiment. FIG. 2 illustrates an example of a hardware configuration of an information processing apparatus according to the present disclosure. FIG. 3 shows an outline of the communication system according to the first embodiment. FIG. 4 shows an example of a block diagram showing a functional configuration of the information processing apparatus according to the first embodiment. FIG. 5 shows an example of a process sequence of the communication system according to the first embodiment. FIG. 6 is a flowchart of the reliability calculation process executed by the server according to the first embodiment. FIG. 7 is a first example of the first information stored in the server according to the first example of the first embodiment. FIG. 8 is a flowchart of the process of acquiring the first information performed by the server according to the first example of the first embodiment. FIG. 9 is a second example of the first information stored in the server according to the second example of the first embodiment. FIG. 10 is a flowchart of the process of acquiring the first information performed by the server according to the second example of the first embodiment. FIG. 11 is a first example of second information stored in the server according to the third example of the first embodiment. FIG. 12 is a flowchart of the process of acquiring the second information performed by the server according to the third example of the first embodiment. FIG. 13 is a second example of the second information stored in the server according to the fourth example of the first embodiment. FIG. 14 is a flowchart of the process of acquiring the second information performed by the server according to the fourth example of the first embodiment. FIG. 15 is a third example of the first information stored in the server according to the fifth example of the first embodiment. FIG. 16 is a flowchart of the process of acquiring the first information performed by the server according to the fifth example of the first embodiment. FIG. 17 is a third example of the second information stored in the server according to the sixth example of the first embodiment. FIG. 18 is a flowchart of a process of acquiring second information performed by the server according to a sixth example of the first embodiment. FIG. 19 is a fourth example of the first information stored in the server according to the seventh example of the first embodiment. FIG. 20 is a flowchart of a process of acquiring first information performed by the server according to a seventh example of the first embodiment. FIG. 21 is a flowchart of the credit rating calculation process executed by the server according to the eighth example of the first embodiment. FIG. 22 is a flowchart of the credit rating calculation process executed by the server according to the ninth example of the first embodiment. FIG. 23 shows an outline of a communication system according to the second embodiment. FIG. 24 shows an example of a block diagram showing a functional configuration of the information processing apparatus according to the second embodiment. FIG. 25 illustrates an example of a process sequence of the communication system according to the second embodiment. FIG. 26 is a flowchart of the privilege giving process performed by the server according to the second embodiment. FIG. 27 is a flowchart of the privilege giving process performed by the server according to the first example of the second embodiment. FIG. 28 is a flowchart of the privilege giving process performed by the server according to the second example of the second embodiment. FIG. 29 shows an outline of a communication system according to the third embodiment. FIG. 30 shows an example of a block diagram showing a functional configuration of the information processing apparatus according to the third embodiment. FIG. 31 illustrates an example of a process sequence of the communication system according to the third embodiment. FIG. 32 is a flowchart of debt fulfillment processing executed by the server according to the third embodiment. FIG. 33 is a flowchart of a debt collection process performed by the server according to the first example of the third embodiment. FIG. 34 is a flowchart of debt fulfillment processing executed by the server according to the second example of the third embodiment. FIG. 35 shows an outline of a communication system according to the fourth embodiment. FIG. 36 shows an example of a block diagram showing a functional configuration of the information processing apparatus according to the fourth embodiment. FIG. 37 illustrates an example of a process sequence of the communication system according to the fourth embodiment. FIG. 38 is a flowchart of the credit rating calculation process executed by the server according to the fourth embodiment. FIG. 39 is a flowchart of a commodity identification process performed by the server according to the first example of the fourth embodiment. FIG. 40 is a flowchart of service platform identification processing executed by the server according to the second example of the fourth embodiment. FIG. 41 shows an outline of a communication system according to the fifth embodiment. FIG. 42 shows an example of a block diagram showing a functional configuration of the information processing apparatus according to the fifth embodiment. FIG. 43 illustrates an example of a process sequence of the communication system according to the fifth embodiment. FIG. 44 is a flowchart of a process of providing credit rating executed by the server according to the first example of the fifth embodiment. FIG. 45 is a flowchart of a process of providing a degree of credit provided by the server according to the second example of the fifth embodiment. FIG. 46 is a flowchart of a process of providing creditworthiness executed by the server according to the third example of the fifth embodiment.

<Compliance with the law>
The disclosure set forth herein, when implemented, is implemented in compliance with the laws of each country that implements the disclosure. In addition, the disclosure described in this specification is implemented with all changes, substitutions, alterations, modifications, and modifications that can be made by those skilled in the art that are required to comply with the laws and regulations of each country.

  An embodiment for carrying out a method of calculating a degree of credit according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 shows a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A, the server 110B, the terminal 120A, the terminal 120B, and the terminal 120C are connected via the network 130.

  In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

  In the present disclosure, when it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

  In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing apparatus 200. The number of information processing apparatuses 200 connected to the network 130 is not limited.

  The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, payment service, electronic commerce service, SNS (Social Networking Service) typified by instant messenger, and content providing service such as music / video / book. When the user uses a predetermined service via the terminal 120, the server 110 can provide the one or more terminals 120 with the predetermined service.

  As necessary, a terminal used by the user X is expressed as a terminal 120X, and user information in a predetermined service associated with the user X or the terminal 120X is expressed as user information X. The user information is information of the user associated with the account used by the user in the predetermined service. The user information is, by way of example and not limitation, the user's name, the user's icon image, the user's age, the user's age, the user's gender, the user's address, the user's taste It includes information associated with the user, such as preferences and user identifiers, and may be any one or a combination of these.

  The network 130 is responsible for connecting two or more information processing apparatuses 200. The network 130 refers to a communication network that provides a connection path so that data can be transmitted and received after the terminal 120 connects to the server 110.

  One or more portions of network 130 may be a wired network or a wireless network. Network 130 may be, by way of example and not limitation, an ad hoc network (Ad Hoc Network), an intranet, an extranet, a Virtual Private Network (VPN), a Local Area Network (LAN), wireless Wireless LAN (WLAN), Wide Area Network (WAN), Wireless WAN (WWAN), Metropolitan Area Network (MAN), Internet Part, Public Switched Telephone Network (Public) Switched Telephone Network (PSTN), mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth (Bluetooth), satellites Communication, etc., or It may include two or more combinations of these. Network 130 may include one or more networks 130.

  The information processing apparatus 200 may be any information processing apparatus that can implement the functions and / or methods described in the present disclosure.

  The information processing apparatus 200 may be, by way of example and not limitation, a smart phone, a mobile phone (feature phone), a computer (for example but not limited to a desktop, laptop, tablet etc.), a server device, a media computer platform (for example but not limited to) , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (such as but not limited to PDAs (Personal Digital Assistants), e-mail clients), wearable terminals (such as but not limited to glasses-type devices, Including clock-type devices), other types of computers, or communication platforms.

<Hardware (HW) configuration>
The HW configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG.

  The information processing apparatus 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The respective components of the HW of the information processing apparatus 200 are mutually connected via the bus B as an example and not limitation.

  The information processing apparatus 200 realizes the functions and / or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. Do.

  The processor 201 executes functions and / or methods implemented by code or instructions included in a program stored in the storage 203. The processor 201 may be, by way of example and not limitation, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor. Logic circuits (hardware) or integrated circuits (ICs (Integrated Circuits) chips, LSIs (Large Scale Integration)), etc., including application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc. Each process disclosed in each embodiment may be realized by a dedicated circuit. In addition, these circuits may be realized by one or more integrated circuits, and the plurality of processes shown in each embodiment may be realized by one integrated circuit. Also, LSI may be called VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

  The memory 202 temporarily stores the program loaded from the storage 203 and provides the processor 201 with a work area. The memory 202 also temporarily stores various data generated while the processor 201 is executing a program. The memory 202 includes, by way of example and not limitation, random access memory (RAM), read only memory (ROM), and the like.

  The storage 203 stores a program. The storage 203 includes, by way of example and not limitation, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

  The communication I / F 205 transmits and receives various data via the network 130. The communication may be performed by wire or wireless, and any communication protocol may be used as long as communication with each other can be performed. The communication I / F 205 has a function of executing communication with another information processing apparatus via the network 130. The communication I / F 205 transmits various data to another information processing apparatus according to an instruction from the processor 201. The communication I / F 205 also receives various data transmitted from other information processing apparatuses, and transmits the data to the processor 201.

  The input / output I / F 204 includes an input device for inputting various operations to the information processing device 200 and an output device for outputting the processing result processed by the information processing device 200. The input / output I / F 204 may be integrated with an input device and an output device, or may be separated into an input device and an output device.

  The input device is realized by any one or a combination of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201. The input device includes, by way of example and not limitation, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

  The output device is realized by any one or a combination of all types of devices capable of outputting the processing result processed by the processor 201. When outputting the processing result as a video and / or a moving image, the output device may display the display data according to the display data written in the frame buffer, or any one of all types of devices that can display the display data. It is realized by the combination. The output device is, by way of example and not limitation, a touch panel, touch display, monitor (for example but not limited to, liquid crystal display, OELD (Organic Electroluminescence Display), etc.), head mounted display (HMD: Head Mounted Display), projection mapping, hologram , Devices capable of displaying images, text information, etc. in air (or vacuum), speakers (audio output), printers, etc. These output devices may be able to display display data in 3D.

  The program of each embodiment of the present disclosure may be provided stored in a computer readable storage medium. The storage medium can store the program in the “non-transitory tangible medium”. The programs include, by way of example and not limitation, software programs and computer programs.

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

  Also, the program of the present disclosure may be provided to the information processing apparatus 200 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. The embodiments of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

  Note that the program of the present disclosure is not limited and is, for example, a script language such as ActionScript and JavaScript (registered trademark), an object-oriented programming language such as Objective-C and Java (registered trademark), and a markup language such as HTML5. It is implemented using.

  At least a part of the processing in the information processing apparatus 200 may be realized by cloud computing configured by one or more computers.

  At least a part of the processing in the information processing apparatus 200 may be performed by another information processing apparatus. In this case, at least part of the processing of each functional unit realized by the processor 201 may be performed by another information processing apparatus.

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

  In the present disclosure, unless otherwise stated or indicated by context, "or" is inclusive and not exclusive. Thus, in the present disclosure, unless otherwise stated or indicated by context, "A or B" means "A, B, or both." Further, unless stated or indicated by context, "and" means both joint and several. Thus, as used herein, unless otherwise stated or indicated by context, “A and B” means “A and B together or individually (A and B, jointly or severally)”. Further, unless otherwise stated or indicated by context, “a”, “an” or “the” shall mean “one or more”. Thus, as used herein, unless otherwise stated or indicated by context, "an A" or "the A" means "one or more A".

  The present disclosure includes all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art with respect to the embodiments and / or examples of the present disclosure. Similarly, where appropriate, the appended claims are intended to cover all modifications, substitutions, alterations, modifications and alterations that may occur to those skilled in the art, with respect to the embodiments and / or examples of the present disclosure. Include. Furthermore, the present disclosure may include one or more features of the embodiments and / or examples in the disclosure and / or other embodiments and / or examples of the disclosure that may occur to those skilled in the art. Includes any combination with one or more features.

  In addition, an apparatus or system or a component of an apparatus or system that is adapted, arranged, capable, configured, available, operable or operable to perform a specific function Reference in the appended claims to the is intended to be arranged, capable, configured, enabled, enabled, enabled, the apparatus, system, or component thereof being so adapted. As long as the device, system or component or its specific function is activated, turned on or unlocked, it encompasses the device, system, or component as long as the device or system is operable.

First Embodiment
Conventionally, as described in, for example, Patent Document 1, a credit may be calculated to evaluate a buyer's ability to pay in commerce using the Internet. It may also calculate creditworthiness to assess whether the seller is doing a fair deal. However, in the e-commerce platform, since the user can be both the buyer and the seller, the evaluation from either the buyer or the seller may not properly evaluate the user's creditworthiness. Here, the e-commerce platform includes a platform for handling e-commerce between individuals, a platform for handling e-commerce between individuals and corporations, and a platform for handling e-commerce between corporations.

  The first embodiment acquires the first information about the user when the user is a seller in the electronic commerce platform and the second information about the user when the user is a buyer in the electronic commerce platform to obtain the user's credit rating. , And an embodiment of calculating based on the first information and the second information.

  In the present embodiment, the “user” is a user who uses the e-commerce platform, and is a person who exhibits goods or services through the e-commerce platform or purchases goods or services listed in the e-commerce platform. is there. The user has an e-commerce platform account, and the user's activity on the e-commerce platform is stored in the server 110 in association with the account information. For example, if the user places an item for sale on the electronic commerce platform, information on the item for sale for sale is stored in the server 110 as first information. In addition, when the user purchases a product on the electronic commerce platform, information on the purchased product is stored in the server 110 as second information.

  FIG. 3 is a diagram showing an outline of the communication system 1 according to the first embodiment. In the communication system 1 according to the first embodiment, information on commerce in the electronic commerce platform is transmitted and received between the server 110A, the terminal 120A used by the user A, the terminal 120B used by the user B, and the terminal 120C used by the user C The server 110A calculates the credit of the user A.

  At the upper left of FIG. 3, a screen of “product information input” is displayed on the terminal 120A, and an image of a bag is displayed as a “product image”. In this way, user A can submit his / her own possession to the e-commerce platform. Information on the item for sale exhibited by the user A is stored in the server 110A. For example, the exhibition page is browsed by the terminal 120B used by the user B. At the upper right of FIG. 3, a product image of a bag is displayed on the terminal 120B, and a "Purchase" button is displayed. The user B can purchase a bribe with the amount of money presented by the user A by pressing the “purchase” button.

  On the other hand, in the lower right of FIG. 3, a screen of "product information input" is displayed on the terminal 120C used by the user C, and a book image is displayed as a "product image". The user A can browse the exhibition page of the book exhibited by the user C through the terminal 120A. At the lower left of FIG. 3, a product image of a book is displayed on the terminal 120A, and a "Purchase" button is displayed. The user A can purchase a book with the amount of money presented by the user C by pressing the "Purchase" button.

  In this way, user A can be both a seller and a buyer in the e-commerce platform. The server 110A acquires the first information on the user A when the user A acts as a seller and the second information on the user A when the user A acts as a buyer, based on the first information and the second information. Calculating the credit of user A.

  According to the information processing apparatus 200 according to the first embodiment, when the user can be both a buyer and a seller in the electronic commerce platform, the creditworthiness of the user can be appropriately evaluated. Can be evaluated. As a result, appropriate commerce processing can be performed according to the user, and the processing load of commerce can be reduced as compared with the case where inappropriate processing is performed, and smooth commerce can be realized. it can.

<Functional Configuration of First Embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described using FIG. 4. The functional unit disclosed in FIG. 4 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 provided in the information processing apparatus 200. FIG. 4 shows an example of a block diagram showing a functional configuration of the information processing apparatus 200 according to the first embodiment. FIG. 4 is a block diagram showing a functional configuration of the communication system 1 for conducting commercial transactions among a plurality of users. The communication system 1 includes servers 110A and 110B and terminals 120A, 120B and 120C.

(1) Functional Configuration of Server The server 110A includes an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314. Furthermore, the control unit 313 includes a first acquisition unit 315, a second acquisition unit 316, and a calculation unit 317. In addition to the program 400, the storage unit 314 also includes first information 410 regarding the user when the user is a seller in the electronic commerce platform, and second information 420 regarding the user when the user is a buyer in the electronic commerce platform. And are stored. The server 110B has the same configuration as that of the server 110A, and thus the description thereof is omitted.

  The communication I / F 312 corresponds to the communication I / F 205 shown in FIG. The communication I / F 312 transmits and receives information to and from the terminal 120 and the server 110B via the network 130. The communication I / F 312 receives, for example, product information of an exhibited product from the terminal 120A, and transmits a sale item page to the terminal 120A.

  The input / output I / F 311 corresponds to the input / output I / F 204 shown in FIG. The input / output I / F 311 outputs, for example, the first information and the second information of the user in the electronic commerce platform, and outputs the calculated credibility.

  The first acquisition unit 315 acquires first information on the user in the case where the user is a seller in the electronic commerce platform. Specific examples of the first information will be described in detail later.

  The second acquisition unit 316 acquires second information on the user in the case where the user is a buyer in the electronic commerce platform. Specific examples of the second information will be described in detail later.

  The calculating unit 317 calculates the credit of the user based on the first information and the second information. The degree of confidence may be a continuous numerical value, a discrete numerical value, or a discrete rank. The calculating unit 317 may calculate the credit higher based on the positive information among the first information and the second information, and lower the credit based on the negative information. The calculation unit 317 may calculate the degree of credit taking into account the information contained in the first information and the second information independently, or may take account of the degree of credit taking into consideration the information contained in the first information and the second information in an integrated manner. It may be calculated.

  The storage unit 314 stores a program 400, first information 410, and second information 420. Here, the first information 410 and the second information 420 stored in the storage unit 314 may include information on a plurality of users, and may be stored in association with the user's account information.

(2) Functional Configuration of Terminal The terminal 120A includes an input / output I / F 321, a communication I / F 322, a control unit 323, and a storage unit 324. The terminal 120B and the terminal 120C have the same configuration as that of the terminal 120A, and thus the description thereof will be omitted.

  The input / output I / F 321 corresponds to the input / output I / F 204 shown in FIG. The input / output I / F 321 receives an input of item information from the user A of the seller, and outputs an exhibition page to the user A of the buyer.

  The communication I / F 322 corresponds to the communication I / F 205 shown in FIG. The communication I / F 322 transmits and receives information to and from the server 110 and the other terminals 120B and 120C via the network 130. The communication I / F 322 transmits the product information on which the user A has made an exhibition to the server 110A, and receives, from the server 110A, information on the exhibition page that the user A browses.

  The control unit 323 controls various processes executed by the terminal 120A. The control unit 323 controls, for example, an exhibition process and a purchase process.

  The storage unit 324 stores the program 500. The program 500 stored in the storage unit 324 is executed by the processor 201, whereby the terminal 120A can perform commerce with other users in the electronic commerce platform.

<Operation Process of First Embodiment>
FIG. 5 shows an example of a process sequence of the communication system according to the first embodiment. FIG. 5 shows a sequence of processing in which the server 110A calculates the credit of the user A after the user A acts as the seller and the buyer in the electronic commerce platform.

  First, an exhibition request is transmitted from the terminal 120A used by the user A to the server 110A (S10). In response to this, the input screen of the product information is transmitted from the server 110A to the terminal 120A (S11). The user A inputs, using the terminal 120A, product information including a photograph of a product to be exhibited and information on the product, and transmits the information to the server 110A (S12). The server 110A stores the product information received from the terminal 120A in the storage unit (S13).

  Thereafter, when the terminal 120B used by the user B requests the server 110A to display the exhibition page (S14), the server 110A transmits the requested exhibition page to the terminal 120B (S15). Then, the terminal 120B displays the sale item page (S16). Here, it is assumed that the exhibition page requested by the terminal 120B is an exhibition page regarding a product exhibited by the user A.

  When the user B decides to purchase a product exhibited by the user A and transmits information indicating purchase to the server 110A (S17), a notification is transmitted from the server 110A to the terminal 120A (S18). Thereafter, the user A ships the product, and payment processing is performed between the terminals 120A, 120B and the server 110A. The server 110A relates to the first information of the user A in the case where the user A is a seller, and the action of the seller A of the user A performed from when the item is put on sale by the terminal 120A until the payment process is completed. The information is updated to include (S19).

  When the terminal 120A requests the server 110A to display an exhibition page (S20), the server 110A transmits the requested exhibition page to the terminal 120A (S21). And terminal 120A displays an exhibition page (S22). When the user A decides to purchase the item for sale and transmits information indicating purchase to the server 110A (S23), a notification is sent from the server 110A to the terminal 120 of the seller, and the user who is the seller The product is shipped, and payment processing is performed between the terminal 120 and the server 110A. The server 110A performs the action of the buyer of the user A performed from the viewing of the exhibition page by the terminal 120A to the second information of the user A when the user A is the buyer and the completion of the payment process. Are updated to include information on (S24).

  Finally, the server 110A calculates the credit of the user A based on the first information and the second information of the user A (S25). Thus, the sequence of processing for calculating the credit of user A ends.

<Credit level calculation processing of the first embodiment>
FIG. 6 is a flowchart of the credit rating calculation process executed by the server 110A according to the first embodiment. In this example, the case where the server 110A calculates the credit of the user A will be described.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). Details of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) will be described in each embodiment. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A calculates the credit of the user A based on the acquired first information and second information (S120). Thus, the credit level calculation process ends.

<< First Example >>
The first example of the first embodiment is an example of acquiring the first information on the user A when the user A is a seller.

<< Effect of the first embodiment >>
When the user becomes a seller, it is possible to evaluate the user's credit based on the actual sales amount, and it is possible to calculate a more appropriate credit while suppressing the processing load for calculating the credit. Is obtained.

<< Functional Configuration of First Embodiment >>
(1) Functional Configuration of Server FIG. 7 shows a first example 410A of the first information stored in the server 110 according to the first example of the first embodiment. The first example of the first information 410A is an example of the first information regarding the user A, and includes items of sales amount, difference with market price, and sales day for each exhibition identifier. The exhibition identifier is a serial number identifying an exhibition from the user A, and in this example, is "10", "11" and "12".

  The first acquisition unit 315 of the server 110 according to the present embodiment may acquire the first information 410A including the information on the sales amount in the electronic commerce platform. In this example, the sales amount is “1,000 yen” for the exhibition number “10”, the sales amount is “0 yen” for the exhibition number “11”, and the sales amount is “2,500 yen” for the exhibition number “12” is there. Here, the fact that the sales amount is “0 yen” means that the item of the exhibition number “11” is not sold. The calculation unit 317 may calculate the user's credit higher as the sales amount is higher.

  The first acquisition unit 315 may acquire the first information 410A including the statistical value of the sales amount and information on at least one of the difference between the sales amount and the market price. Here, the statistical value of the sales amount may include the average value or the variance of the sales amounts of the plurality of exhibited products, and may include the average value or the variance of the differences between the sales amounts and the market prices of the plurality of products. In addition, the market price may be an average of sale prices at a specific date and time or an average of purchase prices for items of the same or the same type listed on the e-commerce platform.

  In the present example, the first information 410A includes an item “difference from market price (July 1, 2018)” representing the difference between the sales amount and the market price on July 1, 2018. Specifically, the difference between the exhibition number "10" and the market price is "-200 yen", the difference between the exhibition number "11" and the market price is "-", and the exhibition number "12" is the difference from the market price Is “+100 yen”. If the difference from the market price is negative, it indicates that the sales amount is lower than the market price, and if the difference from the market price is positive, it indicates that the sales amount is higher than the market price. In addition, since there is no sales result for the exhibition number “11”, the difference from the market price is not stored. The calculation unit 317 may calculate the degree of credit higher, as the sales are stably obtained, based on the statistical value of the sales amount. The calculating unit 317 may calculate the credit higher as the difference between the sales amount and the market price decreases, or may lower the credit as the difference between the sales amount and the market price decreases.

  The first acquisition unit 315 may acquire first information including information on the occurrence frequency of sales in the electronic commerce platform. Here, the information on the frequency of occurrence of sales money is information indicating how many sales occur per month, or information indicating an interval from one product selling to another product selling You may In the present example, the first information 410A includes a sales date. Specifically, for the exhibition number "10", the sales day is "June 20, 2018", for the exhibition number "11", the sales day is "-", and for the exhibition number "12", the sales day is "June 2018 25 days. That is, the first information 410A of this example includes information indicating that sales occur at 5-day intervals.

  The first acquisition unit 315 may acquire first information including information on at least one of the number of exhibitions and the ratio of the number of successful transactions to the number of exhibitions in the electronic commerce platform. Here, the number of exhibitions is the number of goods or services newly exhibited in a predetermined period (for example, one month), or the number of accumulated exhibitions since the user started using the e-commerce platform. You may In the present example, the first information 410A includes a listing identifier and a sales date. That is, the first information 410A of the present example indicates the number of exhibitions by the exhibition identifier, and indicates the ratio of the number of successful transactions to the number of exhibitions by the ratio of the date of sale stored. The first information 410A of this example includes information indicating that the number of exhibitions is three, and includes information indicating that the ratio of the number of successful transactions to the number of exhibitions is two thirds. The calculation unit 317 may calculate the degree of credit higher as the frequency of occurrence of sales proceeds increases.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the first embodiment >>
FIG. 8 is a flowchart of the process of acquiring the first information performed by the server 110 according to the first example of the first embodiment. The flowchart shown in the figure shows the details of the process (S100) for acquiring the first information in the credit calculation process shown in FIG.

  First, the server 110 acquires information on the sales amount as the first information (S101A). Further, the server 110 acquires, as the first information, information on at least one of the statistical value of the sales amount and the difference between the sales amount and the market price (S102A). Furthermore, the server 110 acquires information on the frequency of occurrence of the sales amount (S103A), and acquires information on at least one of the number of exhibitions and the ratio of the number of traded deals to the number of exhibitions (S104A).

  In addition, the order which acquires these information is arbitrary. Further, the server 110 may not obtain a part of the information, or may include other information in the first information. Thus, the process of acquiring the first information is completed.

<< 2nd Example >>
The second example of the first embodiment is an example of acquiring the first information on the user A when the user A is a seller.

<< Effect of the second embodiment >>
The credit rating of the user can be evaluated based on the attribute of the product or service exhibited by the user as the seller, and the processing load for calculating the credit rating can be reduced while the credit rating can be calculated more appropriately. can get.

<< Functional Configuration of Second Embodiment >>
(1) Functional Configuration of Server FIG. 9 shows a second example 410B of the first information stored in the server 110 according to the second example of the first embodiment. The second example of the first information 410B is an example of the first information related to the user A, and includes items of a product type, an exhibition prohibition, and a price range for each exhibition identifier. The exhibition identifier is a serial number identifying an exhibition from the user A, and in this example, is "20", "21" and "22".

  The first acquisition unit 315 of the server 110 according to the present embodiment may acquire the first information 410B including the information on the attribute of the product or service exhibited on the electronic commerce platform. Here, the information on the attribute of the product or service may include information on the type of the product or service, information on whether or not the listing is prohibited, and information on the price range of the product or service. In this example, the item type is "purse" for the exhibition number "20", the item type is "clothes" for the exhibition number "21", and the item type is "clothes" for the exhibition number "22". Note that these product types are one example, and product types may be classified more finely. The calculation unit 317 may calculate the credit low when the type of the product or service is a specific type.

  The first information 410B includes an item related to an exhibition prohibition. Specifically, for the exhibition numbers “20”, “21” and “22”, the exhibition prohibition is “NO”, and it is indicated that neither commodity is exhibition prohibited. The calculation unit 317 may calculate the low credit when the product or service for which the exhibition is prohibited is exhibited.

  In addition, the first information 410B includes an item related to a price range. Specifically, for the exhibition number "20", the price range is "10,000 yen or more", for the exhibition number "21", the price range is "5,000 yen to 10,000 yen", and for the exhibition number "22", the price range is " One thousand yen to five thousand yen. In addition, how to divide these price ranges is an example, and different dividing manners may be adopted. The calculation unit 317 may calculate the credit higher as the price range of the product or service is higher. In addition, the calculation unit 317 may calculate the credit higher as the price range of the product or service being exhibited varies.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the second embodiment >>
FIG. 10 is a flowchart of the process of acquiring the first information performed by the server 110 according to the second example of the first embodiment. The flowchart shown in the figure shows the details of the process (S100) for acquiring the first information in the credit calculation process shown in FIG.

  First, the server 110 acquires information on the type of product as the first information (S101B). In addition, the server 110 acquires, as the first information, information on whether or not the exhibition prohibition applies (S102B). Furthermore, the server 110 acquires information on the price range (S103B).

  In addition, the order which acquires these information is arbitrary. Further, the server 110 may not obtain a part of the information, or may include other information in the first information. Thus, the process of acquiring the first information is completed.

<< Third Embodiment >>
The third example of the second embodiment is an example of acquiring the second information on the user A when the user A is a buyer.

<< Effect of the third embodiment >>
The creditworthiness of the user can be evaluated based on the result that the user paid as the buyer, and the processing load for calculating the creditworthiness can be reduced, and the more appropriate creditworthiness can be calculated. .

<< Functional Configuration of Third Embodiment >>
(1) Functional Configuration of Server FIG. 11 is a first example 420A of the second information stored in the server 110 according to the third example of the first embodiment. The first example 420A of the second information is an example of the second information on the user A, and includes items of a payment amount, a difference from a market price, a trade completion date, a payment date, and a payment delay for each exhibition page identifier. The exhibition page identifier is a serial number for identifying the exhibition page browsed by the user A, and in this example, is "30", "31" and "32".

  The second acquisition unit 316 of the server 110 according to the present embodiment may acquire the second information 420A including information on the payment amount in the electronic commerce platform. In this example, the payment amount is "800 yen" for the exhibition number "30", the payment amount is "2,000 yen" for the exhibition number "31", and the payment amount is "1,500 yen" for the exhibition number "32" is there. The calculation unit 317 may calculate the credit higher as the payment amount is larger.

  The second acquisition unit 316 may acquire the second information 420A including the statistical value of the payment amount and information on at least one of the difference between the payment amount and the market price. Here, the statistical value of the payment amount may include the average value or the variance of the payment amounts for the plurality of products, and may include the average value or the variance of the differences between the payment amounts for the plurality of products and the market price. In addition, the market price may be an average of sale prices at a specific date and time or an average of purchase prices for items of the same or the same type listed on the e-commerce platform.

  In the present example, the second information 420A includes an item "difference with market price (July 1, 2018)" representing the difference between the payment amount and the market price on July 1, 2018. Specifically, the difference between the exhibition number “30” and the market price is “−100 yen”, the difference between the exhibition number “31” and the market price is “0 yen”, and the exhibition number “32” is the market price The difference is "+100 yen". If the difference from the market price is negative, it indicates that the sales amount is lower than the market price, and if the difference from the market price is positive, it indicates that the sales amount is higher than the market price. The calculation unit 317 may calculate the credit degree higher as payment is stably performed based on the statistical value of the payment amount. Further, the calculation unit 317 may calculate the credit higher as the difference between the payment amount and the market price decreases, or may lower the credit as the difference between the payment amount and the market price decreases.

  The second acquisition unit 316 may acquire second information 420A including information on payment delay in the electronic commerce platform. In the present example, the second information 420A includes items of a trade closing date, a payment date, and a payment delay. Specifically, with regard to the exhibition number "30", the sale completion date is "June 21, 2018", the payment date is "June 22, 2018" and the payment delay is "none", and the exhibition number "31" is for sale. The establishment date is "June 21, 2018", the payment date is "June 24, 2018" and the payment delay is "1 day", and the exhibition number "32" is the deal completion date "June 25, 2018". The payment date is "June 25, 2018" and the payment delay is "none". That is, the second information 420A in the present example includes information indicating that a one-day payment delay has occurred for one of the three payments. In this example, when payment is not made within two days from the trade closing date, it is treated as having a payment delay, but the deadline from the trade closing date to the payment is arbitrary. The calculation unit 317 may calculate the credit lower as the payment delay increases. The calculation unit 317 may calculate the credit higher as the time from the establishment of the transaction to the payment is shorter. In this case, the calculation unit 317 may continuously calculate the credibility or discretely calculate the credibility so that the credibility becomes higher as the time from the establishment of the transaction to the time of payment becomes shorter. The time from the conclusion of trading to the time of payment is an example of information regarding the delay of payment.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the third embodiment >>
FIG. 12 is a flowchart of the process of acquiring the second information performed by the server 110 according to the third example of the first embodiment. The flowchart shown in the figure shows details of the process (S110) of acquiring the second information in the credit calculation process shown in FIG.

  First, the server 110 acquires information on the payment amount as the second information (S111A). Further, the server 110 acquires, as the second information, the statistical value of the payment amount and information on at least one of the difference between the payment amount and the market price (S112A). Furthermore, the server 110 obtains information on payment delay (S113A).

  In addition, the order which acquires these information is arbitrary. In addition, the server 110 may not obtain a part of the information, or may include other information in the second information. Thus, the process of acquiring the second information ends.

<< 4th Example >>
The fourth example of the first embodiment is an example of acquiring the second information on the user A when the user A is a buyer.

<< Effect of the fourth embodiment >>
It is possible to evaluate the user's credit based on the behavior of the user before purchasing the product or service as the buyer, and to calculate a more appropriate credit while keeping the processing load for calculating the credit low. An effect is obtained.

<< Functional Configuration of Fourth Embodiment >>
(1) Functional Configuration of Server FIG. 13 shows a second example 420B of the second information stored in the server 110 according to the fourth example of the first embodiment. The second example 420B of the second information is an example of the second information on the user A, and for each exhibition page identifier, the time until purchase, the attribute of the product browsed by the purchase, the number of products browsed by the purchase Contains items. The exhibition page identifier is a serial number for identifying the exhibition page browsed by the user A, and in this example, is "40", "41" and "42".

  The second acquisition unit 316 of the server 110 according to the present embodiment may acquire the second information 420B including information on an action until the user purchases a product or service exhibited on the electronic commerce platform. Here, the information on the behavior until the purchase of the product or service may include information on the time until purchase, information on the attribute of the product browsed to the purchase, and information on the number of products browsed to the purchase. In this example, the time until purchase for the exhibition number "40" is "10 minutes", the time until purchase for the exhibition number "41" is "2 days", and the time until purchase for the exhibition number "42" is "30 minutes" ". The calculation unit 317 may calculate the degree of credit higher as the time to purchase is longer, or may calculate the degree of credit lower as the time to purchase is longer. The time until the user purchases a product or service exhibited on the electronic commerce platform is the time from when the user browses the exhibition page for the first time until the payment process is completed.

  The second acquisition unit 316 may acquire the second information 420A including the information on the attribute of the product browsed before the purchase. Here, the attribute of the product may be represented by the type of the product, whether or not the exhibition is prohibited, the price range or the like. In this example, the attribute of the item browsed by the purchase about the exhibition number "40" is "same", the attribute of the item browsed by the purchase about the exhibition number "41" is "4 types", the item of the exhibition number "42" is purchased The attribute of the item browsed up to is "same". Here, the attribute "same" of the item browsed before the purchase means that the exhibition page having the same attribute as the item is browsed before the item is purchased. Moreover, the attribute of the goods browsed by purchasing means that "it is browsing the exhibition page of 4 types of attributes different from the goods" before purchasing goods. The calculation unit 317 may calculate the credit higher as the attribute of the product browsed before the purchase increases, or may lower the credit rating as the attribute of the product browsed before the purchase increases.

  The second acquisition unit 316 may acquire the second information 420A including information on the number of products browsed before purchase. In this example, the number of items browsed before the purchase for the exhibition number "40" is "1", the number of items browsed before the purchase for the exhibition number "41" is "20", the purchase number for the exhibition number "42" The number of products browsed to is "4". The calculation unit 317 may calculate the credit higher as the number of products browsed before the purchase increases, or may lower the credit rating as the number of products browsed before the purchase increases.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the fourth embodiment >>
FIG. 14 is a flowchart of the process of acquiring the second information performed by the server 110 according to the fourth example of the first embodiment. The flowchart shown in the figure shows details of the process (S110) of acquiring the second information in the credit calculation process shown in FIG.

  First, the server 110 acquires, as the second information, information on the time until purchase (S111B). In addition, the server 110 acquires, as the second information, information on the types of other products browsed before the purchase (S112B). Furthermore, the server 110 acquires information on the number of other products browsed before the purchase (S113B).

  In addition, the order which acquires these information is arbitrary. In addition, the server 110 may not obtain a part of the information, or may include other information in the second information. Thus, the process of acquiring the second information ends.

<< fifth embodiment >>
The fifth example of the first embodiment is an example of calculating the user's credit based on the history until the user A establishes a commerce as a buyer and seller.

<< Effect of the fifth embodiment >>
It is possible to evaluate the creditworthiness of the user based on the history until the user establishes a commercial transaction as the buyer and seller, and it is possible to calculate more appropriate creditworthiness while suppressing the processing load for calculating the creditworthiness low. An effect is obtained.

<< Functional Configuration of Fifth Embodiment >>
(1) Functional Configuration of Server FIG. 15 is a third example 410C of the first information stored in the server 110 according to the fifth example of the first embodiment. The third example of the first information 410C is an example of the first information related to the user A, and includes items of a sales price, a period until completion of a transaction, a transaction time zone, and a price change for each exhibition identifier. The exhibition identifier is a serial number identifying an exhibition from the user A, and in this example, is "10", "11" and "12". In addition, although the example of 1st information is shown in this example, the period until a transaction completion, a transaction time slot, and the item of price change may be contained in 2nd information.

  The first acquisition unit 315 of the server 110 according to the present embodiment may acquire the first information 410C including information on the sales amount in the electronic commerce platform. In this example, the sales amount is “1,000 yen” for the exhibition number “10”, the sales amount is “0 yen” for the exhibition number “11”, and the sales amount is “2,500 yen” for the exhibition number “12” is there. The calculation unit 317 may calculate the user's credit higher as the sales amount is higher.

  The first acquisition unit 315 may acquire the first information 410C including at least one of the transaction amount in the electronic commerce platform, the period until the transaction is completed, and the transaction time period. Similarly, the second acquisition unit 316 may acquire second information including at least one of the transaction amount, the period until the transaction is completed, and the transaction time period in the electronic commerce platform. In this example, the period until the transaction completion is "2 days" for the exhibition number "10", the period until the transaction completion for the exhibition number "11" is "-", and the transaction time period is "day" The time zone is "day to night", the period until the transaction is completed for the exhibition number "12" is "6 hours", and the trading time zone is "morning to noon". The calculation unit 317 may calculate the user's credit higher as the time to completion of the transaction is shorter, or may lower the reliability of the user as the time to completion of the transaction is shorter. Further, the calculation unit 317 may calculate the user's credit higher as the transaction time zone is earlier, or may lower the user's credit as the period until the transaction completion is earlier.

  The first acquisition unit 315 may acquire the first information 410C including the information on the history in which the price of the product or service exhibited on the electronic commerce platform has been changed due to the action of the user. Similarly, the second acquisition unit 316 may acquire second information including information on a history of changes in prices of goods or services exhibited on the electronic commerce platform due to user behavior. In this example, the price change for the exhibition number "10" is "200 yen price reduction", the price change for the exhibition number "11" is "100 yen price reduction", and the price change for the exhibition number "12" is "100 yen price reduction" . When the price is reduced, the calculation unit 317 may calculate the user's credit higher as the price reduction range is larger, or may decrease the user's reliability as the price reduction range is larger.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the fifth embodiment >>
FIG. 16 is a flowchart of the process of acquiring the first information performed by the server 110 according to the fifth example of the first embodiment. The flowchart shown in the figure shows the details of the process (S100) for acquiring the first information in the credit calculation process shown in FIG.

  First, the server 110 acquires information on the sales amount as the first information (S101C). Further, the server 110 acquires, as the first information, information on a period until the completion of the transaction (S102C). Furthermore, the server 110 acquires information on the transaction time zone (S103C), and acquires information on the history of price changes (S104C).

  In addition, the order which acquires these information is arbitrary. Further, the server 110 may not obtain a part of the information, or may include other information in the first information. Thus, the process of acquiring the first information is completed. The server 110 may acquire, as second information, information on a period until the completion of a transaction, information on a transaction time zone, and information on a history of price changes.

<< Sixth embodiment >>
The sixth example of the first embodiment is an example of calculating the credit based on the attribute of the user A.

<< Effect of the sixth embodiment >>
The creditworthiness of the user can be evaluated based on the attributes of the user, and it is possible to calculate the creditworthiness more appropriately while suppressing the processing load for calculating the creditworthiness low.

<< Functional Configuration of Sixth Embodiment >>
(1) Functional Configuration of Server FIG. 17 is a third example 420C of the second information stored in the server 110 according to the sixth example of the first embodiment. The third example of the second information 420C is an example of the second information on the user A, and includes items of user's profile information, position information, and transaction account balance. In addition, although the example of 2nd information is shown in this example, the item of a user's profile information, a positional information, and a transaction account balance may be contained in 1st information.

  The second acquisition unit 316 of the server 110 according to the present embodiment may acquire the second information 420C including the profile information of the user. Here, the profile information may include information on age and information on gender. In this example, the age of the user A is “30” and the gender is “male”. The calculating unit 317 may calculate the credit based on the age and the gender.

  The second acquisition unit 316 may acquire second information 420C including position information of the terminal corresponding to the user. In this example, the position information is "Tokyo". The position information may be position information obtained by the GPS (Global Positioning System) function of the terminal 120 or may be position information specified from an IP address, and is information indicating a prefecture or city. It may be information indicating latitude and longitude. The calculation unit 317 may predict the residence or work place of the user based on the position information, and calculate the credit from the estimated income.

  The second acquisition unit 316 may acquire second information 420C including information on the balance of the trading account of the user. Here, the trading account may be an account that can be used in the e-commerce platform, but may be a general bank account. In the present example, the transaction account balance is "10,000 yen". The calculation unit 317 may calculate the credit higher as the balance of the transaction account is larger.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the sixth embodiment >>
FIG. 18 is a flowchart of the process of acquiring the second information executed by the server 110 according to the sixth example of the first embodiment. The flowchart shown in the figure shows details of the process (S110) of acquiring the second information in the credit calculation process shown in FIG.

  First, the server 110 acquires profile information as second information (S111C). Further, the server 110 acquires the position information of the terminal 120A as the second information (S112C). Furthermore, the server 110 acquires information on the balance of the trading account (S113C).

  In addition, the order which acquires these information is arbitrary. In addition, the server 110 may not obtain a part of the information, or may include other information in the second information. Thus, the process of acquiring the second information ends. The server 110 may obtain, as the first information, information on the user's profile information, position information, and the balance of the trading account.

<< Seventh embodiment >>
The seventh example of the first embodiment is an example in which the credibility is calculated based on the action taken by the user A for another user.

<< Effect of the seventh embodiment >>
The credit rating of the user can be evaluated based on the action taken by the user to another user, and the processing load for calculating the credit rating can be reduced while the credit rating can be calculated more appropriately. can get.

<< Functional Configuration of Seventh Embodiment >>
(1) Functional Configuration of Server FIG. 19 is a fourth example 410D of the first information stored in the server 110 according to the seventh example of the first embodiment. The fourth example of the first information 410D is an example of the first information regarding the user A, and includes items of sales amount, comment, and cancellation history for each exhibition identifier. The exhibition identifier is a serial number identifying an exhibition from the user A, and in this example, is "10", "11" and "12". In addition, although the example of 1st information is shown in this example, the item of a comment and cancellation history may be contained in 2nd information.

  The first acquisition unit 315 of the server 110 according to the present embodiment may acquire the first information 410D including the information on the sales amount in the electronic commerce platform. In this example, the sales amount is “1,000 yen” for the exhibition number “10”, the sales amount is “0 yen” for the exhibition number “11”, and the sales amount is “2,500 yen” for the exhibition number “12” is there. The calculation unit 317 may calculate the user's credit higher as the sales amount is higher.

  The first acquisition unit 315 may acquire the first information 410D including information on a comment written by the user to another user. In this example, the comment for the exhibition number “10” is “comment A”, the comment for the exhibition number “11” is “comment B”, and the comment for the exhibition number “12” is “comment C”. The comment may be exchanged between the seller and the plurality of buyers multiple times. The calculation unit 317 may calculate the credit higher as the comment is more kind. In addition, the calculation unit 317 may calculate the credit higher as the reply to the other party's comment is earlier.

  The first acquisition unit 315 may acquire the first information 410D including information on the history of cancellation of sales by the user. In this example, the cancellation history is "-" for the exhibition number "10", the cancellation history is "presence" for the exhibition number "11", and the cancellation history is "-" for the exhibition number "12". That is, although there is no history in which the user A has canceled the sale for the exhibition numbers “10” and “12”, the sale for the exhibition number “11” is cancelled. The calculation unit 317 may calculate the credit lower as the history of the user canceling the sales increases.

  Similarly, the second acquisition unit 316 may acquire second information including information on the history of cancellation of the purchase by the user. Then, the calculation unit 317 may calculate the credit lower as the history of cancellation of the purchase by the user increases.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the seventh embodiment >>
FIG. 20 is a flowchart of the process of acquiring the first information performed by the server 110 according to the fifth example of the first embodiment. The flowchart shown in the figure shows the details of the process (S100) for acquiring the first information in the credit calculation process shown in FIG.

  First, the server 110 acquires, as the first information, information on a comment written to another user (S101D). Further, the server 110 acquires, as the first information, information on the history of canceled sales (S102D).

  In addition, the order which acquires these information is arbitrary. Further, the server 110 may not obtain a part of the information, or may include other information in the first information. Thus, the process of acquiring the first information is completed. The server 110 may acquire, as second information, information on a comment written to another user and information on a history of cancellation of a purchase.

<< Eighth embodiment >>
The eighth example of the first embodiment is an example of calculating the credibility of the user A based on the credibility of another user who has a relationship with the user A.

<< Effect of the eighth embodiment >>
It is possible to evaluate the creditworthiness of the user based on the creditworthiness of the other user who has a relationship with the user, and it is possible to calculate a more appropriate creditworthiness while keeping the processing load for calculating the creditworthiness low. can get.

<< Functional Configuration of Eighth Example >>
(1) Functional Configuration of Server The calculating unit 317 of the server 110 according to the present embodiment identifies, from the third party system 140 providing the social networking site, another user having a social relationship with the user A in the social networking site. Information is acquired, and the degree of trust regarding another user who has a relationship with user A is acquired from the storage unit 314. Then, the calculating unit 317 calculates the credit of the user A based on the first information of the user A, the second information of the user A, and the credit of another user having a relationship with the user A.

  The calculation unit 317 is based on the user A's creditworthiness, the user A's first information, the user A's second information, the credit of other users having a relationship with the user A, and the closeness between the user A and the other users. It may be calculated. For example, the calculation unit 317 increases the weighting on the credit of the user having a relatively high intimacy, and reduces the weighting on the credibility of a user having a relatively low intimacy, thereby reducing the credibility of the user A and the friendship with the user A. The credit of user A may be calculated by weighted averaging of the credit of certain other users.

  The closeness is determined by the number of users who have a common relationship between the user and other users, the percentage of users who have a common relationship between the users and the other users, and the user while the relationship is established. It may be calculated based on at least one of the frequency of communication between the and other users.

  Here, the period in which the friendship is established may be a period in which the friendship is established in a specific social networking site. Also, communication between a user and another user may be the frequency of comments on posts, likes, message exchanges, etc.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the eighth embodiment >>
FIG. 21 is a flowchart of the reliability calculation process executed by the server 110 according to the eighth example of the first embodiment. In this example, the case where the server 110A calculates the credit of the user A will be described.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the ones described in the first to seventh embodiments. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A acquires the credit of another user who has a friendship with the user A in social networking (S130). Then, the server 110A calculates the intimacy between the user A and another user who has a relationship with the user A (S140). Finally, the server 110A calculates the credit of the user A based on the first information, the second information, the credit of the other user, and the closeness with the other user (S150). Thus, the credit level calculation process ends.

<< 9th Example >>
The ninth example of the first embodiment is an example of calculating the credit based on the attribute of the other service used by the user A.

<< Effect of the ninth embodiment >>
The credit rating of the user can be evaluated based on the attributes of the other services used by the user, and the processing load for calculating the credit rating can be reduced while the credit rating can be calculated more appropriately. can get.

<< Functional configuration of the ninth embodiment >>
(1) Functional Configuration of Server The calculating unit 317 of the server 110 according to the present embodiment acquires, from the third party system 140, information on a service platform used by the user A and different from the electronic commerce platform. Is calculated based on user A's first information, user A's second information, and information on the service platform used by user A.

  The information on the service platform may include information on the attributes of the service provided by the service platform. The information on the attribute of the service may be, for example, information representing the type of service such as mail order, podcast, investment, gambling and the like. The calculating unit 317 may calculate the credit high if the attribute of the service is good, and may calculate the low credit if the attribute of the service is bad. Note that the quality of service attributes may be determined based on predetermined criteria.

  The information on the service platform may include information on the number of uses of the service provided by the user A on the service platform and / or the amount paid by the user A for the service. The calculation unit 317 may calculate the higher the credit rating as the number of service usages and the amount paid for the service is higher, and the lower the credit reliability as the number of service usages and the amount paid for the service are higher. May be

  The information on the service platform may include information on words input by the user at the service platform. Here, the information related to the word input by the user may be information digitized by the third party system 140, or may be information which can not restore the input word itself. The calculating unit 317 may calculate the credit higher if the attribute of the word input by the user is good, or may lower the reliability if the attribute of the word input by the user is bad. Note that the quality of the word attributes may be determined based on predetermined criteria.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the ninth embodiment >>
FIG. 22 is a flowchart of the credit rating calculation process executed by the server 110 according to the ninth example of the first embodiment. In this example, the case where the server 110A calculates the credit of the user A will be described.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the ones described in the first to seventh embodiments. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A acquires information on a service platform used by the user A, which is different from the electronic commerce platform (S160). Then, the server 110A calculates the credit of the user A based on the first information, the second information, and the information on the service platform (S170). Thus, the credit level calculation process ends.

Second Embodiment
Conventionally, as described in, for example, Patent Document 1, a credit may be calculated to evaluate a buyer's ability to pay in commerce using the Internet. It may also calculate creditworthiness to assess whether the seller is doing a fair deal. However, in the e-commerce platform, since the user can be both the buyer and the seller, the evaluation from either the buyer or the seller may not properly evaluate the user's creditworthiness. Therefore, it has been difficult to provide an incentive for the user to take appropriate action on both the buyer and seller positions.

  The second embodiment acquires the first information about the user when the user is a seller in the electronic commerce platform and the second information about the user when the user is a buyer in the electronic commerce platform to obtain the user's credit rating. The present invention is an embodiment in which a privilege related to the use of the electronic commerce platform is given to the user based on the credit calculated based on the first information and the second information.

  FIG. 23 shows an outline of the communication system 1 according to the second embodiment. In the communication system 1 according to the second embodiment, information on commerce in the electronic commerce platform is transmitted and received between the server 110A, the terminal 120A used by the user A, the terminal 120B used by the user B, and the terminal 120C used by the user C The server 110A calculates the credit of the user A, and grants the user A a privilege related to the use of the electronic commerce platform based on the calculated credit.

  In the upper left of FIG. 23, a screen of “product information input” is displayed on the terminal 120A, and an image of a bag is displayed as a “product image”. In this way, user A can submit his / her own possession to the e-commerce platform. Information on the item for sale exhibited by the user A is stored in the server 110A. For example, the exhibition page is browsed by the terminal 120B used by the user B. In the upper right of FIG. 23, a product image of a bag on which the user A has exhibited is displayed at the top on the terminal 120B, and then a product image of a bag on which another user has exhibited is displayed. As described above, the user A can obtain a privilege to preferentially display the displayed product image according to the credit rating.

  On the other hand, in the lower right of FIG. 23, a screen of “product information input” is displayed on the terminal 120C used by the user C, and a book image is displayed as a “product image”. The user A can browse the exhibition page of the book exhibited by the user C through the terminal 120A. At the lower left of FIG. 23, a product image of a book is displayed on the terminal 120A, and a “Purchase” button is displayed under the condition of “10% discount!”. By pressing the “Purchase” button, the user A can purchase a book with a 10% discount on the amount of money presented by the user C. In this manner, the user A can obtain a benefit of receiving a discount on the purchase price of the product according to the credit rating.

  According to the information processing apparatus 200 according to the second embodiment, when the user can be both a buyer and a seller in the electronic commerce platform, the creditworthiness of the user is appropriately evaluated, and the privilege regarding the use of the electronic commerce platform is the user It can be applied to This can provide an incentive for the user to take appropriate action for both the buyer and seller positions, and can reduce the processing load of the commerce compared to the case where the inappropriate action is taken, and smooth commerce. Can be realized.

<Functional Configuration of Second Embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described using FIG. The functional unit disclosed in FIG. 24 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 provided in the information processing apparatus 200. FIG. 24 shows an example of a block diagram showing a functional configuration of the information processing apparatus 200 according to the second embodiment. FIG. 24 is a block diagram showing a functional configuration of the communication system 1 for conducting commercial transactions among a plurality of users. The communication system 1 includes servers 110A and 110B and terminals 120A, 120B and 120C.

(1) Functional Configuration of Server The server 110A includes an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314. Furthermore, the control unit 313 includes a first acquisition unit 315, a second acquisition unit 316, a calculation unit 317, and an application unit 318. In addition to the program 400, the storage unit 314 also includes first information 410 regarding the user when the user is a seller in the electronic commerce platform, and second information 420 regarding the user when the user is a buyer in the electronic commerce platform. And are stored. The server 110B has the same configuration as that of the server 110A, and thus the description thereof is omitted.

  The granting unit 318 grants the user a privilege related to the use of the electronic commerce platform based on the credit rating calculated by the calculation unit 317. The specific content of the benefits will be described in each embodiment. The functional configuration other than the assigning unit 318 is the same as the functional configuration of the server 110 according to the first embodiment, and thus the description thereof is omitted.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the second embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<Operation Process of Second Embodiment>
FIG. 25 illustrates an example of a process sequence of the communication system according to the second embodiment. In FIG. 25, after the user A acts as a seller and a buyer in the electronic commerce platform, the server 110A calculates the credit of the user A, and shows a sequence of processing for giving a privilege to the user A based on the credit.

  First, an exhibition request is transmitted from the terminal 120A used by the user A to the server 110A (S30). In response to this, the input screen of the product information is transmitted from the server 110A to the terminal 120A (S31). The user A inputs, using the terminal 120A, product information including a photograph of a product to be exhibited and information on the product, and transmits the product information to the server 110A (S32). The server 110A stores the product information received from the terminal 120A in the storage unit (S33).

  Thereafter, when the terminal 120B used by the user B requests the server 110A to display the exhibition page (S34), the server 110A transmits the requested exhibition page to the terminal 120B (S35). Then, the terminal 120B displays the sale item page (S36). Here, it is assumed that the exhibition page requested by the terminal 120B is an exhibition page regarding a product exhibited by the user A.

  When the user B decides to purchase a product exhibited by the user A and transmits information indicating purchase to the server 110A (S37), a notification is transmitted from the server 110A to the terminal 120A (S38). Thereafter, the user A ships the product, and payment processing is performed between the terminals 120A, 120B and the server 110A. The server 110A relates to the first information of the user A in the case where the user A is a seller, and the action of the seller A of the user A performed from when the item is put on sale by the terminal 120A until the payment process is completed. Update to include the information (S39).

  When the terminal 120A requests the server 110A to display an exhibition page (S40), the server 110A transmits the requested exhibition page to the terminal 120A (S41). And terminal 120A displays an exhibition page (S42). When the user A decides to purchase the item for sale and transmits information indicating purchase to the server 110A (S43), a notification is sent from the server 110A to the terminal 120 of the seller, and the user who is the seller The product is shipped, and payment processing is performed between the terminal 120 and the server 110A. The server 110A performs the action of the buyer of the user A performed from the viewing of the exhibition page by the terminal 120A to the second information of the user A when the user A is the buyer and the completion of the payment process. Are updated to include information related to (S44).

  The server 110A calculates the credit of the user A based on the first information and the second information of the user A (S45). Finally, the server 110A gives a privilege to the user A based on the credibility (S46). By the above, the sequence of the process of giving a privilege to the user A ends.

<A privilege giving process of the second embodiment>
FIG. 26 is a flowchart of the privilege giving process performed by the server 110A according to the second embodiment. In this example, the case where a privilege is given to the user A by the server 110A will be described.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the same as those described in the first embodiment. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A calculates the credit of the user A based on the acquired first information and second information (S120). Finally, the server 110A provides the user A with a privilege related to the use of the electronic commerce platform based on the credit (S180). Thus, the privilege giving process ends.

<< First Example >>
The first example of the second embodiment is an example in which an incentive is given to take appropriate action when the user becomes a seller.

<< Effect of the first embodiment >>
It is possible to give incentives to take appropriate action when the user becomes a seller, and it is possible to realize more comfortable commerce while suppressing the processing load due to inappropriate commerce. Be

<< Functional Configuration of First Embodiment >>
(1) Functional Configuration of Server The granting unit 318 may grant the user a privilege that includes preferentially displaying a listing page of a product or service for which the user has submitted a listing on the electronic commerce platform. The granting unit 318 may change the priority for displaying the sale page in accordance with the user's credit rating.

  The granting unit 318 may grant the user a benefit including a discount on the listing fee when the user places a product or service on the e-commerce platform. Here, the listing fee is a fee for using the e-commerce platform. The granting unit 318 may change the discount rate of the exhibition fee according to the user's credit rating.

  The granting unit 318 may grant the user a benefit including compensation for the payment for the product or service when the user has submitted the product or service on the electronic commerce platform and the purchase of the product or service has been cancelled. Here, compensation of the payment amount may be performed for all or part of the payment amount for the product or service, depending on the credit quality.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the first embodiment >>
FIG. 27 is a flowchart of the privilege giving process performed by the server 110A according to the first example of the second embodiment. The flowchart shown in the figure shows the details of the process (S180) for giving the user A the benefit in the benefit giving process shown in FIG. In this example, the case where the privilege to display the exhibition page preferentially, the privilege to discount the exhibition fee, and the privilege to compensate the payment amount when the purchase is canceled is given to the user A. Do.

  First, the server 110A preferentially displays the product or service for which the user A has exhibited (S181A). Also, the server 110A reduces the selling fee of the user A (S182A). Furthermore, when the purchase cancellation occurs for the product or service for which the user A has exhibited (S183A: YES), the server 110A performs a process of compensating for all or part of the payment amount (S184A). By the above, the process of giving the benefit to the user A ends.

<< 2nd Example >>
The second example of the second embodiment is an example in which an incentive is given to take appropriate action when the user becomes a buyer.

<< Effect of the second embodiment >>
It is possible to provide an incentive to take appropriate action when the user becomes a buyer, and it is possible to realize more comfortable commerce while suppressing the processing load caused by inappropriate commerce. Be

<< Functional Configuration of Second Embodiment >>
(1) Functional Configuration of Server The giving unit 318 may give the user a specification including a discount when the user purchases a product or service exhibited on the electronic commerce platform. The granting unit 318 may change the discount rate of the purchase price according to the credit of the user.

  The granting unit 318 may grant the user a benefit including the grant of points available on the e-commerce platform. The granting unit 318 may change the point score to be awarded according to the user's credit rating.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the second embodiment >>
FIG. 28 is a flowchart of the privilege giving process performed by the server 110A according to the second example of the second embodiment. The flowchart shown in the figure shows the details of the process (S180) for giving the user A the benefit in the benefit giving process shown in FIG. In this example, the case where a benefit for discounting the purchase amount and a benefit for giving points are given to the user A will be described.

  First, the server 110A reduces the amount of goods or services exhibited by other users (S181B). Also, the server 110A gives points usable in the electronic commerce platform (S182B). By the above, the process of giving the benefit to the user A ends.

Third Embodiment
Conventionally, as described in, for example, Patent Document 1, a credit may be calculated to evaluate a buyer's ability to pay in commerce using the Internet. It may also calculate creditworthiness to assess whether the seller is doing a fair deal. However, in the e-commerce platform, since the user can be both the buyer and the seller, the evaluation from either the buyer or the seller may not properly evaluate the user's creditworthiness. Therefore, it has been difficult to provide an incentive for the user to take appropriate action on both the buyer and seller positions.

  The third embodiment acquires the first information about the user when the user is a seller in the electronic commerce platform and the second information about the user when the user is a buyer in the electronic commerce platform to obtain the user's credit rating. , Calculating based on the first information and the second information, acquiring information on the user's debt, and executing all or part of the debt on behalf of the user at a rate according to the calculated credit rating .

  FIG. 29 shows an outline of a communication system 1 according to the third embodiment. The communication system 1 according to the third embodiment transmits and receives information related to commerce in the electronic commerce platform and information related to debt between the server 110A, the terminal 120A used by the user A, and the third party system 140, and the server 110A The creditworthiness of user A is calculated, and all or part of the debt is fulfilled on behalf of user A at a rate corresponding to the calculated creditworthiness.

  In FIG. 29, the terminal 120A indicates that the reservation of the service provided by the third party system 140 has been performed by the word "RESERVED". Here, the service provided by the third party system 140 may be, for example, a meal at a restaurant.

  In this example, it is assumed that the user A cancels the reservation of the service immediately before or after the reservation time. In that case, all or part of the reserved service may be wasted, and damage may occur to the third party system 140 side. For example, if the service provided by the third party system 140 is the provision of food and drink, it may cause damage by disposing of prepared dishes. In such a case, the third party system 140 charges the server 110A for a cancellation fee corresponding to the debt to the user A. The server 110A fulfills all or part of the debt on behalf of the user A at a rate according to the credit level of the user A. In FIG. 29, the fulfillment of the debt is indicated by the arrow from the server 110A to the third party system 140.

  When the server 110A fulfills all or part of the debt on behalf of the user A, the server 110A performs a process of recovering from the user A an amount corresponding to all or part of the debt. For example, the server 110A urges the user A to place an item held by the user A on the electronic commerce platform. FIG. 29 shows a case where a bag has been exhibited by the terminal 120A in response to such a prompt.

  In this example, the information on the debt is the information on the cancellation fee of the restaurant, but the information on the debt may be information representing the content of any debt. The information on debt is, for example, information on the amount of money to be repaid and the repayment date, information on the repayment date of the rented goods, information on the amount of money for repairing the rented goods and the repayment date You may be

  According to the information processing apparatus 200 according to the third embodiment, when the user can be both a buyer and a seller in the electronic commerce platform, the creditworthiness of the user is appropriately evaluated, and the user's debt at a rate according to the creditworthiness Can be implemented on behalf of the user. This can provide an incentive for the user to take appropriate action for both the buyer and seller positions, and can reduce the processing load of the commerce compared to the case where the inappropriate action is taken, and smooth commerce. Can be realized.

<Functional Configuration of Third Embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described using FIG. The functional unit disclosed in FIG. 30 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 provided in the information processing apparatus 200. FIG. 30 shows an example of a block diagram showing a functional configuration of the information processing apparatus 200 according to the third embodiment. FIG. 30 is a block diagram showing a functional configuration of the communication system 1 for conducting a commercial transaction among a plurality of users. The communication system 1 includes servers 110A and 110B, terminals 120A, 120B and 120C, and a third party system. Including 140.

(1) Functional Configuration of Server The server 110A includes an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314. Furthermore, the control unit 313 includes a first acquisition unit 315, a second acquisition unit 316, a calculation unit 317, a third acquisition unit 319, and a performance unit 320. In addition to the program 400, the storage unit 314 also includes first information 410 regarding the user when the user is a seller in the electronic commerce platform, and second information 420 regarding the user when the user is a buyer in the electronic commerce platform. And are stored. The server 110B has the same configuration as that of the server 110A, and thus the description thereof is omitted.

  The third acquisition unit 319 acquires information on the user's debt. The third acquisition unit 319 may acquire information on the user's debt from the third party system 140. Also, the third acquisition unit 319 may acquire information on the user's debt from the server 110 or may acquire information on the user's debt from the terminal 120.

  The fulfillment unit 320 fulfills all or part of the user's debt on behalf of the user at a rate according to the user's creditworthiness. Here, fulfillment may be to deposit an amount corresponding to a debt, or to return a rented article corresponding to a debt. The functional configuration other than the third acquisition unit 319 and the performance unit 320 is the same as the functional configuration of the server 110 according to the first embodiment, and thus the description thereof will be omitted.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the third embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<Operation Process of Third Embodiment>
FIG. 31 illustrates an example of a process sequence of the communication system according to the third embodiment. In FIG. 31, after user A acts as a seller and buyer in the electronic commerce platform, the credit of user A is calculated by server 110A, and all or part of the debt is fulfilled on behalf of user A at a rate according to the credit. Indicates the sequence of processing.

  First, the server 110A acquires, from the terminal 120A used by the user A, first information on the user A in the case where the user A is a seller in the electronic commerce platform (S50). The server 110A also acquires, from the terminal 120A used by the user A, second information on the user A in the case where the user A is a buyer in the electronic commerce platform (S51). Then, the server 110A calculates the credit of the user A based on the first information and the second information of the user A (S52).

  Thereafter, information on restaurant reservation is transmitted from the terminal 120A to the third party system 140 (S53). Then, information on cancellation of restaurant reservation is transmitted from the terminal 120A to the third party system 140 (S54). Here, a case will be described in which the restaurant reservation is canceled immediately before the reservation time, and the restaurant side requests the user A to pay a cancellation fee of a predetermined amount.

  The third party system 140 transmits information on the debt to the server 110A instead of directly asking the user A for payment (S55). In this example, the information on the debt may include information on the amount equivalent to the restaurant's cancellation fee and the due date. The server 110A fulfills all or part of the debt on behalf of the user A at a rate according to the credit level of the user A (S56). Specifically, the server 110A receives an amount corresponding to all or part of the debt to the third party system 140 (S57).

  Finally, the server 110A performs a process of recovering an amount corresponding to all or part of the debt from the user A (S58). The recovery process will be described in detail in each embodiment. Thus, the sequence of processing for performing all or part of the debt on behalf of user A ends.

<Debt Fulfillment Process of Third Embodiment>
FIG. 32 is a flowchart of debt fulfillment processing performed by the server 110A according to the third embodiment. In this example, a case will be described in which the server 110A fulfills the obligation on behalf of the user A, and thereafter, an amount corresponding to the obligation is recovered from the user A.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the same as those described in the first embodiment. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A calculates the credit of the user A based on the acquired first information and second information (S120). Furthermore, the server 110A acquires information on the debt of the user A (S190). Then, the server 110A fulfills all or part of the debt on behalf of the user A at a rate according to the credit level (S200). Finally, the server 110A recovers from the user A an amount corresponding to all or part of the debt (S210). Thus, the debt fulfillment process is completed.

<< First Example >>
The first example of the third embodiment is an example of recovering an amount corresponding to all or part of a debt in the electronic commerce platform when all or part of the debt of the user is fulfilled on behalf of the user .

<< Effect of the first embodiment >>
When all or part of the user's debt is fulfilled on behalf of the user, an amount corresponding to all or part of the debt can be collected on the e-commerce platform. As a result, it is possible to activate commerce in the e-commerce platform while providing an incentive for the user to take appropriate action, and realize more comfortable commerce while suppressing the processing load caused by the inappropriate commerce. The effect of being able to

<< Functional Configuration of First Embodiment >>
(1) Functional Configuration of Server The fulfillment unit 320 may subtract the amount corresponding to all or part of the debt from the sales proceeds of the user when all or part of the debt is fulfilled on behalf of the user. Here, the sales proceeds of the user are sales proceeds obtained as sales on the e-commerce platform, and may be stored in an account associated with the user's account.

  The fulfillment unit 320 may prompt the user to submit a product possessed by the user or a service that the user may provide on the electronic commerce platform when the user fulfills all or part of the obligation on behalf of the user. When the user submits a product or service to the e-commerce platform in response to the prompt, the product or service is purchased, and the proceeds are deposited into the account, the performance unit 320 determines the amount corresponding to all or part of the debt. May be subtracted from the sales proceeds of the user.

  Here, the product possessed by the user may include a product purchased by the user on the e-commerce platform in the past. If the user is a product purchased in the past on the electronic commerce platform, the probability that the product is currently owned by the user is high, so the performance unit 320 can make an effective recommendation for the item listing.

  Further, the product possessed by the user may include a product purchased in the past by using the payment service associated with the electronic commerce platform. In this case, the product possessed by the user is not limited to the product purchased on the e-commerce platform, but includes the product purchased on any service platform using the payment service associated with the e-commerce platform . If the product is a product purchased in the past using the payment service associated with the e-commerce platform, the probability is high that the product is currently owned by the user, so the fulfillment unit 320 is effective for displaying the product. Recommendations can be made.

  The fulfillment unit 320 may extend the term of debt depending on the creditworthiness. After extending the term of the debt, the user may fulfill the debt to the creditor, and the fulfillment unit 320 fulfills all or part of the debt on behalf of the user at a rate according to the creditworthiness It is also good.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the first embodiment >>
FIG. 33 is a flowchart of debt collection processing executed by the server 110 according to the first example of the third embodiment. The flowchart shown in the figure shows the details of the process (S210) of recovering the amount corresponding to the debt from the user A in the debt fulfillment process shown in FIG.

  First, when the debt due date can be extended based on the information on the debt of the user A (S211: YES), the server 110 extends the debt due date (S212), and the debt recovery is performed from the user A at that time The debt collection process ends without.

  If the due date of the debt can not be extended (S211: NO) and the sales amount of the user A is equal to or more than the recovery amount (S213: YES), the server 110 makes an amount corresponding to all or part of the debt from the sales amount Subtract (S214).

  On the other hand, when the sales proceeds of the user A is not the collection amount or more (S213: NO), the server 110 identifies the product purchased by the user A in the past (S215), and sends a message prompting the terminal 120A to sell the identified product. Send (S216). Thus, the debt collection process is completed.

<< 2nd Example >>
The second example of the third embodiment is an example in which all or part of the debt generated in another service platform used by the user is fulfilled for the user.

<< Effect of the second embodiment >>
All or part of the debt generated in other service platforms used by the user can be fulfilled on behalf of the user. As a result, it is possible to provide an incentive for the user to take appropriate action, and it is possible to realize a more comfortable commerce while keeping the price low due to the inappropriate commerce.

<< Functional Configuration of Second Embodiment >>
(1) Functional Configuration of Server The third acquisition unit 319 may acquire information on debt including information on debt generated in a service platform different from the electronic commerce platform. For example, the third acquisition unit 319 may acquire information on a debt including information on a debt generated on a service platform operated by the third party system 140.

  The server 110 may receive information specifying a debt from a user who is a creditor and a debtor of the service platform when the debt occurs in a service platform different from the e-commerce platform. This prevents the service platform from notifying the server 110 of information on a fictitious debt to obtain an amount equivalent to the debt. Here, the information specifying the debt may include at least one of information indicating the content of the debt, identification information of the user in the electronic commerce platform, and information for contacting the user. The information indicating the content of the debt may include information on the amount equivalent to the debt and information on the due date of the debt. Also, the information for contacting the user may include an e-mail address and a telephone number. The server 110 may determine whether the information indicating the content of the debt acquired from the service platform is consistent with the information indicating the content of the debt acquired from the user. Also, the server 110 is configured such that at least one of the identification information of the user acquired from the service platform and the information for contacting the user is at least one of the identification information of the user acquired from the user and the information for contacting the user You may decide to do this. Here, when using information for contacting the user, an email including a predetermined link may be sent to the user for identification, a short message requesting a reply may be sent, or a call may be requested by telephone. Good.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the second embodiment >>
FIG. 34 is a flowchart of debt fulfillment processing executed by the server 110 according to the second example of the third embodiment.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the same as those described in the first embodiment. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A calculates the credit of the user A based on the acquired first information and second information (S120). Furthermore, the server 110A acquires information on the debt of the user A (S190).

  Thereafter, the server 110A receives the information for identifying the debt from the creditor of the third party system 140 and the user A (S220). If the information specifying the debt received from the creditor and the information specifying the debt received from user A are consistent (S230: YES), server 110A matches all or part of the debt at a rate according to the credit rating. Perform on behalf of the user A (S200). Then, the server 110A recovers an amount corresponding to all or part of the debt from the user A (S210). On the other hand, when the information specifying the debt received from the creditor and the information specifying the debt received from the user A do not match (S230: NO), the server 110A ends the processing without performing the fulfillment of the debt. . Thus, the debt fulfillment process is completed.

Fourth Embodiment
Conventionally, as described in, for example, Patent Document 1, a credit may be calculated to evaluate a buyer's ability to pay in commerce using the Internet. It may also calculate creditworthiness to assess whether the seller is doing a fair deal. In addition, creditworthiness may be calculated to assess whether debt repayments related to money lending will be made without delay. However, in the e-commerce platform, since the user can be either the buyer, the seller or the debtor, the evaluation from any of the buyer, the seller and the debtor may not properly evaluate the user's creditworthiness .

  In the fourth embodiment, the first information about the user when the user is a seller in the electronic commerce platform, the second information about the user when the user is a buyer in the electronic commerce platform, and information about the repayment status of the user's debt , And calculates the user's credit based on the first information, the second information, and the information on the debt repayment status.

  FIG. 35 shows an outline of the communication system 1 according to the fourth embodiment. In the communication system 1 according to the fourth embodiment, information and debt related to commerce in an electronic commerce platform among the server 110A, the terminal 120A used by the user A, the terminal 120B used by the user B, and the third party system 140 Information is transmitted and received, and the server 110A calculates the credit of the user A based on the action of the seller of the user A, the action of the buyer and the repayment status of the debt.

  The server 110A may calculate the credit of the user A to be low when the repayment situation of the user A is bad. That is, the server 110A may calculate the credit of the user A to be low when the repayment of the debt by the user A is delayed. However, the server 110A may raise the credit of user A if the debt is subsequently fulfilled by user A.

  FIG. 35 illustrates a case where the server 110A transmits a message prompting the terminal 120A to exhibit a bribe, in order for the user A to repay the debt. In response to the prompt from the server 110A, the user A exhibits a bag by the terminal 120A, and the product information is stored in the server 110A.

  Thereafter, it is assumed that the user B browses and displays an exhibition page of a bag exhibited by the user A with the terminal 120B. In that case, sales proceeds from user B to user A's account. The proceeds are transferred from the server 110A or the terminal 120A to the third party system 140 of the debtor, and the debt of the user A is fulfilled. If the debt is fulfilled, the server 110A raises the credit of user A.

  According to the information processing apparatus 200 in the fourth embodiment, when the user has a debt, the creditworthiness of the user is appropriately determined based on the behavior of the buyer and seller of the user in the electronic commerce platform and the repayment status of the debt. It can be evaluated. As a result, the user can be given an incentive to take appropriate action for debt repayment, and the processing load of the commerce can be reduced compared to when the inappropriate action is taken, and a smooth commerce can be realized. The effect of being able to

<Functional Configuration of Fourth Embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described using FIG. The functional unit disclosed in FIG. 36 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 provided in the information processing apparatus 200. FIG. 36 shows an example of a block diagram showing a functional configuration of the information processing apparatus 200 according to the fourth embodiment. FIG. 36 is a block diagram showing a functional configuration of the communication system 1 for conducting commercial transactions among a plurality of users. The communication system 1 includes servers 110A and 110B and terminals 120A, 120B and 120C.

(1) Functional Configuration of Server The server 110A includes an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314. Furthermore, the control unit 313 includes a first acquisition unit 315, a second acquisition unit 316, a calculation unit 317, and a third acquisition unit 319. In addition to the program 400, the storage unit 314 also includes first information 410 regarding the user when the user is a seller in the electronic commerce platform, and second information 420 regarding the user when the user is a buyer in the electronic commerce platform. And are stored. The functional configuration of the server 110A is the same as the functional configuration of the server 110 according to the first embodiment and the server 110 according to the third embodiment, and thus the description thereof will be omitted. The server 110B has the same configuration as that of the server 110A, and thus the description thereof is omitted.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the fourth embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<Operation Process of Fourth Embodiment>
FIG. 37 illustrates an example of a process sequence of the communication system 1 according to the fourth embodiment. FIG. 37 shows a sequence of processing for acquiring the first information, the second information, and the information on the repayment status of the debt regarding the user A, and calculating the credit of the user A by the server 110A.

  First, the server 110A acquires, from the terminal 120A used by the user A, first information on the user A in the case where the user A is a seller in the electronic commerce platform (S60). The server 110A also acquires, from the terminal 120A used by the user A, second information on the user A in the case where the user A is a buyer in the electronic commerce platform (S61). Also, the server 110A acquires, from the third party system 140, information on the repayment status of the user A's debt (S62).

  After that, the server 110A calculates the credit of the user A based on the first information and the second information of the user A and the information on the repayment status of the debt (S63). Thus, the process of calculating the credit of user A ends.

<Credit level calculation processing of the fourth embodiment>
FIG. 38 is a flowchart of the reliability calculation process executed by the server 110A according to the fourth embodiment. In this example, the case where the server 110A calculates the credit of the user A will be described.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the same as those described in the first embodiment. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A calculates the credit of the user A based on the acquired first information and second information (S120). Furthermore, the server 110A acquires information on the debt of the user A (S190). Here, the information on debt includes information on the repayment status of debt. Then, the server 110A calculates the credit of the user A based on the first information, the second information, and the information on the repayment status of the debt (S240).

  After that, the server 110A specifies a product or service that is expected to be sold more than the difference between the amount corresponding to the user A's debt and the account balance (S250). The details of the process will be described in each embodiment.

  The server 110 </ b> A transmits, to the user A, a message prompting an exhibition of the specified product or service (S <b> 260). Thereafter, it is determined whether the account balance of the user A is equal to or more than the amount corresponding to the debt (S270). The determination may be performed at an interval after the user A sends a message prompting the user to place an item or a service, and may be performed, for example, one week later. If the account balance of the user A is equal to or more than the amount corresponding to the debt (S270: YES), the server 110A adds the credit of the user A (S280). On the other hand, when the account balance of the user A is not more than the amount corresponding to the debt (S270: NO), the process is ended without doing anything. Even if the account balance of the user A is not necessarily equal to or more than the amount corresponding to the debt, the server 110A may add the credit when the user A actually exhibits a product or service in response to the prompting of the listing. Even if the account balance of the user A does not exceed the amount corresponding to the debt, the credit may be added when the item for sale has been purchased by another user. Thus, the credit level calculation process ends.

<< First Example >>
The first example of the fourth embodiment is an example of guiding the user to be able to sell the amount corresponding to the debt on the electronic commerce platform.

<< Effect of the first embodiment >>
When the user has a debt, the user can be induced to be able to sell an amount corresponding to the debt on the e-commerce platform. As a result, it is possible to activate commerce in the e-commerce platform while providing an incentive for the user to take appropriate action, and realize more comfortable commerce while suppressing the processing load caused by the inappropriate commerce. There is an effect that can be done.

<< Functional Configuration of First Embodiment >>
(1) Functional Configuration of Server According to the difference between the amount corresponding to the debt and the account balance on the user's e-commerce platform, the server 110 specifies a product or service that is expected to have more than the difference in sales. The user may be prompted to submit products or services that are likely to be sold on the e-commerce platform. In addition, the server 110 may specify a product or service that is expected to be able to minimize the difference, when it is not possible to specify a product or service that is expected to be more than the difference. In addition, debts do not have to be fulfilled at once, but may be split and fulfilled. When the debt is divided and fulfilled, the amount equivalent to the debt may be the amount to be paid per one performance.

  The server 110 may identify a product that is expected to sell more than the difference based on the market price of the product or service on the e-commerce platform. In other words, assuming that the product or service is purchased at the market price on the e-commerce platform, the server 110 is a product that is expected to have sales greater than the difference between the amount corresponding to the debt and the account balance on the user's e-commerce platform. Or the service may be identified.

  The server 110 may identify a product or service expected to be sold before the debt due date. The server 110 refers to the purchase results of the product or service in the electronic commerce platform, and the product or service is expected to be sold before the due date of the debt based on the average period from the product or service is listed and purchased. You may specify

  The items identified by the server 110 may include items that the user has purchased in the past on the e-commerce platform. If the user has purchased the product on the e-commerce platform in the past, the server 110 can effectively recommend the product for sale since the probability that the product is currently owned by the user is high.

  The server 110 executes the step of prompting the user to submit a product or service on the e-commerce platform, and then, if the user's account balance on the e-commerce platform is greater than the amount corresponding to the debt, the user's credit rating You may improve the In addition, the server 110 may improve the credit rating when the user actually exhibits a product or service in response to the prompting of the exhibition, even if the user's account balance does not necessarily become the amount corresponding to the debt or more. Even if the user's account balance does not exceed the amount corresponding to the debt, the credit rating may be improved when the item for sale has been purchased by another user.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the first embodiment >>
FIG. 39 is a flowchart of a commodity identification process executed by the server 110 according to the first example of the fourth embodiment. The flowchart shown in the figure shows the details of the process (S250) for specifying a product or service in the credit calculation process shown in FIG.

  First, the server 110 specifies a product purchased by the user A in the past (S251A). Then, the server 110 narrows down to products expected to have sales greater than the difference between the amount of debt and the account balance (S252A). Here, the server 110 may narrow down based on the market price on the e-commerce platform.

  Furthermore, the server 110 narrows down to products expected to be sold before the debt due date (S253A). Here, the server 110 may narrow down based on the results of the period until the purchase in the electronic commerce platform. Thus, the product identification process ends.

<< 2nd Example >>
The second example of the fourth embodiment is an example of guiding the user to be able to sell the amount corresponding to the debt on a service platform different from the electronic commerce platform.

<< Effect of the second embodiment >>
When the user has a debt, the user can be induced to be able to sell the amount corresponding to the debt on a service platform different from the e-commerce platform. As a result, it is possible to activate commerce in other service platforms via the e-commerce platform while providing an incentive for the user to take appropriate action, while keeping the processing load due to inappropriate commerce low. The effect of being able to realize more comfortable commerce is acquired.

<< Functional Configuration of Second Embodiment >>
(1) Functional Configuration of Server The server 110 specifies a service platform different from an e-commerce platform that is expected to be sold more than the difference, according to the difference between the amount corresponding to the debt and the account balance in the user's e-commerce platform. Prompt the user to execute the service on the service platform. Here, the service platform may be, for example, a part-time job site or a crowdsourcing service platform. The server 110 identifies a part-time job in which sales equal to or greater than the difference between the amount corresponding to the debt and the account balance on the user's e-commerce platform are identified, and notifies the user of the service platform that offers the part-time job. It is also good.

  The server 110 may identify, based on the user's profile information, a service platform that is expected to sell more than the difference between the amount corresponding to the debt and the account balance on the user's e-commerce platform. Here, the profile information may include information related to work history, qualifications, and educational background, as well as personal information such as the user's age and gender. The server 110 may introduce a part-time job suitable for the user based on the user's profile information.

  The server 110 may identify a service platform that is expected to sell before the debt due date. For example, when introducing a part-time job to the user, a part-time job in which the transfer of salary is performed before the debt due date may be specified and introduced to the user.

  The server 110 may improve the user's credit rating if the account balance on the user's e-commerce platform is greater than the amount corresponding to the debt after performing the step of prompting the user to execute the service on the service platform . In addition, the server 110 improves the credit rating when the user actually executes the service on the service platform in response to the prompt to execute the service, even if the user's account balance does not necessarily become more than the amount equivalent to the debt. Even if the user's account balance does not exceed the amount corresponding to the debt, the credit rating may be improved if the user has received the price for executing the service on the service platform.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the second embodiment >>
FIG. 40 is a flowchart of the commodity identification process executed by the server 110 according to the second example of the fourth embodiment. The flowchart shown in the figure shows the details of the process (S230) for specifying a product or service in the credit calculation process shown in FIG.

  First, the server 110 specifies a service platform that is expected to sell more than the difference between the amount of debt and the account balance (S251B). Then, the server 110 narrows down the service platform based on the profile information of the user A (S252B). Here, the server 110 may analyze the suitability of the user A and narrow down the service platform according to the suitability of the user A.

  Furthermore, the server 110 narrows down to service platforms where sales are expected before the debt deadline (S253B). Here, the server 110 may narrow down based on the estimated payment date of the service platform. Thus, the product identification process ends.

Fifth Embodiment
Conventionally, as described in, for example, Patent Document 1, a credit may be calculated to evaluate a buyer's ability to pay in commerce using the Internet. It may also calculate creditworthiness to assess whether the seller is doing a fair deal. However, a business operator performing a service different from the e-commerce platform may be able to know only one of the buyer's and seller's actions of the user, and may not be able to properly evaluate the user's creditworthiness. .

  The fifth embodiment acquires the first information about the user when the user is a seller in the electronic commerce platform and the second information about the user when the user is a buyer in the electronic commerce platform to obtain the user's credit rating. , And the information representing the calculated creditworthiness calculated based on the first information and the second information is provided to a business operator who provides a service different from the electronic commerce platform.

  FIG. 41 shows an outline of a communication system 1 according to the fifth embodiment. In the communication system 1 according to the fifth embodiment, information on commerce in the electronic commerce platform is transmitted and received between the server 110A, the terminal 120A used by the user A, the terminal 120B used by the user B, and the terminal 120C used by the user C. The server 110 A calculates the credit of the user A and provides the calculated credit to the third party system 140.

  At the upper left of FIG. 41, a screen of “product information input” is displayed on the terminal 120A, and an image of a bag is displayed as a “product image”. In this way, user A can submit his / her own possession to the e-commerce platform. Information on the item for sale exhibited by the user A is stored in the server 110A. For example, the exhibition page is browsed by the terminal 120B used by the user B. At the upper right of FIG. 41, a product image of a bag is displayed on the terminal 120B, and a “Purchase” button is displayed. The user B can purchase a bribe with the amount of money presented by the user A by pressing the “purchase” button.

  On the other hand, in the lower right of FIG. 41, a screen of “product information input” is displayed on the terminal 120C used by the user C, and a book image is displayed as a “product image”. The user A can browse the exhibition page of the book exhibited by the user C through the terminal 120A. At the lower left of FIG. 41, a product image of a book is displayed on the terminal 120A, and a “Purchase” button is displayed. The user A can purchase a book with the amount of money presented by the user C by pressing the "Purchase" button.

  In this way, user A can be both a seller and a buyer in the e-commerce platform. The server 110A acquires the first information on the user A when the user A acts as a seller and the second information on the user A when the user A acts as a buyer, based on the first information and the second information. Calculating the credit of user A.

  The third party system 140 may only know one of the buyer A's or seller's actions of the user A, and may not properly evaluate the credit of the user A. Therefore, the third-party system 140 receives the provision of the credit calculated from the server 110A based on the behavior of the seller and the buyer of the user A in the electronic commerce platform, and the company's credit evaluation of the user A multilaterally evaluated. Use for service provision.

  According to the information processing apparatus 200 according to the fifth embodiment, the credit rating calculated based on the behavior of the buyer and seller of the user in the electronic commerce platform can be provided to the business operator that provides a service different from the electronic commerce platform. it can. This eliminates the need for the business operator to calculate the user's creditworthiness independently, thereby reducing the processing load for calculating the creditworthiness compared with the case where the business operator individually calculates the creditworthiness, and realizes smooth commerce. The effect of being able to

<Functional Configuration of Fifth Embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described using FIG. The functional unit disclosed in FIG. 42 is realized by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 provided in the information processing apparatus 200. FIG. 42 shows an example of a block diagram showing a functional configuration of the information processing apparatus 200 according to the fifth embodiment. FIG. 42 is a block diagram showing a functional configuration of the communication system 1 for conducting commercial transactions among a plurality of users. The communication system 1 includes servers 110A, 110B and terminals 120A, 120B, 120C.

(1) Functional Configuration of Server The server 110A includes an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314. Furthermore, the control unit 313 includes a first acquisition unit 315, a second acquisition unit 316, a calculation unit 317, and a provision unit 325. In addition to the program 400, the storage unit 314 also includes first information 410 regarding the user when the user is a seller in the electronic commerce platform, and second information 420 regarding the user when the user is a buyer in the electronic commerce platform. And are stored. The server 110B has the same configuration as that of the server 110A, and thus the description thereof is omitted.

  The providing unit 325 provides information representing the credit rating calculated by the calculating unit 317 to a company that provides a service different from the electronic commerce platform. The provider 325 may send the information representing the credit to the third party system 140. The functional configuration other than the providing unit 325 is the same as the functional configuration of the server 110 according to the first embodiment, and thus the description will be omitted.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the fifth embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<Operation Process of Fifth Embodiment>
FIG. 43 illustrates an example of a process sequence of the communication system according to the fifth embodiment. FIG. 43 shows a sequence of processing in which after the user A acts as a seller and buyer in the electronic commerce platform, the server 110A calculates the credit of the user A and provides the calculated credit to the third party system.

  First, an exhibition request is transmitted from the terminal 120A used by the user A to the server 110A (S70). In response to this, the input screen of the product information is transmitted from the server 110A to the terminal 120A (S71). The user A inputs, using the terminal 120A, product information including a photograph of a product to be exhibited and information on the product, and transmits the product information to the server 110A (S72). The server 110A stores the product information received from the terminal 120A in the storage unit (S73).

  Thereafter, when the terminal 120B used by the user B requests the server 110A to display an exhibition page (S74), the server 110A transmits the requested exhibition page to the terminal 120B (S75). Then, the terminal 120B displays the sale item page (S76). Here, it is assumed that the exhibition page requested by the terminal 120B is an exhibition page regarding a product exhibited by the user A.

  When the user B decides to purchase a product exhibited by the user A and transmits information indicating purchase to the server 110A (S77), a notification is transmitted from the server 110A to the terminal 120A (S78). Thereafter, the user A ships the product, and payment processing is performed between the terminals 120A, 120B and the server 110A. The server 110A relates to the first information of the user A in the case where the user A is a seller, and the action of the seller A of the user A performed from when the item is put on sale by the terminal 120A until the payment process is completed. Update to include the information (S79).

  When the terminal 120A requests the server 110A to display an exhibition page (S80), the server 110A transmits the requested exhibition page to the terminal 120A (S81). And terminal 120A displays an exhibition page (S82). When the user A decides to purchase the item for sale and transmits information indicating purchase to the server 110A (S83), a notification is sent from the server 110A to the terminal 120 of the seller, and the user who is the seller The product is shipped, and payment processing is performed between the terminal 120 and the server 110A. The server 110A performs the action of the buyer of the user A performed from the viewing of the exhibition page by the terminal 120A to the second information of the user A when the user A is the buyer and the completion of the payment process. Are updated to include information related to (S84).

  The server 110A calculates the credit of the user A based on the first information and the second information of the user A (S85). Finally, the server 110A sends the information on the credit to the third party system (S86). Thus, the sequence of processing for providing the third party system with the credit of user A is completed.

<< First Example >>
The first example of the fifth embodiment is an example of providing credibility to a business of a service that introduces job information different from the e-commerce platform.

<< Effect of the first embodiment >>
Business that provides a service that introduces job information to the credit calculated based on the behavior of the buyer and seller of the user in the e-commerce platform when the user uses a service that introduces job information different from the e-commerce platform Can be provided to As a result, the processing load for calculating the credit can be reduced as compared to the case where the business operator individually calculates the credit.

<< Functional Configuration of First Embodiment >>
(1) Functional Configuration of Server The providing unit 325 may provide the business with information regarding the content of the service determined according to the credit rating. The providing unit 325 determines the content of the service according to the credit rating so that the level of the service that the user can receive on the service platform of the provider changes according to the credit rating, and the information regarding the content of the determined service May be provided to

  A service different from the e-commerce platform is a service for introducing job information, and the provider 325 provides a service for introducing job information with information on the content of the service including information on compensation included in the job information. May be provided to The providing unit 325 may determine the price so that the higher the credit value, the higher the price, and may provide the business with information regarding the content of the service including the information regarding the determined price.

  In addition, the providing unit 325 may provide information on the content of the service including the information on the payment timing of the compensation included in the job information to the business operator who provides the service for introducing the job information. The providing unit 325 may determine the payment timing so that the payment timing is earlier as the credit rating is higher, and may provide the information on the service content including the information on the determined payment timing to the business.

  Further, the providing unit 325 may provide information on the content of the service including the information on the working hours of the job offer information to the business operator who provides the service for introducing the job offer information. The providing unit 325 may determine the payment timing so that the higher the credit rating, the shorter the working time, and may provide the business person with information regarding the content of the service including the information regarding the determined working time. The providing unit 325 may determine the payment timing so that the working time becomes longer as the credit rating is higher, and may provide the business person with information regarding the content of the service including the information regarding the determined working time.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the first embodiment >>
FIG. 44 is a flowchart of the credit providing process performed by the server 110 according to the first example of the fifth embodiment.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the same as those described in the first embodiment. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A calculates the credit of the user A based on the acquired first information and second information (S120). Furthermore, the server 110A determines the consideration for the job, the timing of payment, and the working time according to the credit level (S290).

  After that, the server 110A transmits the information on the creditworthiness, the consideration for the job offer, the information on the payment timing and the working time to the third party system 140 (S300). Thus, the credit providing process ends.

<< 2nd Example >>
The second example of the fifth embodiment is an example of providing credibility to an operator of a purchase service different from the electronic commerce platform.

<< Effect of the second embodiment >>
When the user uses a purchase service different from the electronic commerce platform, the credit degree calculated based on the behavior of the buyer and seller of the user in the electronic commerce platform can be provided to the business operator performing the purchase service. As a result, the processing load for calculating the credit can be reduced as compared to the case where the business operator individually calculates the credit.

<< Functional Configuration of Second Embodiment >>
(1) Functional Configuration of Server The service different from the electronic commerce platform is a purchase service of a product, and the providing unit 325 provides information on the content of the service including the information on the availability of purchase to the business operator performing the purchase service. You may The providing unit 325 may determine information on purchase availability to increase the probability of being able to purchase the higher the credit rating, and provide the information on the content of the service including information on the determined purchase availability to the business operator.

  The providing unit 325 may provide information on the content of the service including the information on the purchase price to the business operator performing the purchase service. The providing unit 325 may determine the purchase price so that the purchase price is higher as the credit rating is higher, and may provide the information on the service content including the information on the determined purchase price to the business operator.

  The providing unit 325 may provide information on the content of the service including the information on the assessment time of the purchase to the business operator performing the purchase service. The providing unit 325 may determine the purchase price so that the assessment time may be shorter as the credit degree is higher, and may provide the business person with information regarding the content of the service including information regarding the determined assessment time.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the second embodiment >>
FIG. 45 is a flowchart of a process of providing a degree of credit provided by the server 110 according to the second example of the fifth embodiment.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the same as those described in the first embodiment. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A calculates the credit of the user A based on the acquired first information and second information (S120). Furthermore, the server 110A determines whether or not to purchase, the purchase price, and the assessment time according to the credit rating (S310).

  Thereafter, the server 110A transmits the information on the creditworthiness, the availability of purchase, the information on the purchase price, and the assessment time to the third party system 140 (S320). Thus, the credit providing process ends.

<< Third Embodiment >>
The third example of the fifth embodiment is an example of providing credibility at an appropriate timing and in a form to an entity that provides a service different from the electronic commerce platform.

<< Effect of the third embodiment >>
The credit rating calculated based on the behavior of the buyer and seller of the user in the e-commerce platform can be provided to the business operator performing services different from the e-commerce platform in appropriate timing and form. As a result, it is possible to reduce the communication load when providing information representing the degree of credit to the business operator.

<< Functional Configuration of Third Embodiment >>
(1) Functional Configuration of Server The providing unit 325 may provide information indicating the updated credit to the business when the credit of the user is updated. Thus, the latest creditworthiness of the user can be provided to the business.

  The providing unit 325 may provide information indicating credit to the business when the user uses the service of the business. The providing unit 325 receives a notification from the third party system 140 that the user has accessed the service of the business operator, and responds to the notification by returning information representing the user's credit to the business operator. Good.

  The providing unit 325 may provide the business operator with the identification information of the user in the service provided by the business operator in association with the information indicating the credit level. This enables the business operator to easily associate information representing the credit level with the user who uses the company's service.

  The providing unit 325 may provide the business entity with information indicating the degree of credit including the rank calculated based on the degree of credit. For example, in the case where creditworthiness is a continuous value or includes values for multiple items, as providing a single discrete rank to a business, not providing the business with a detailed value regarding the creditworthiness It is also good.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 according to the present embodiment is the same as the functional configuration of the terminal 120 according to the first embodiment, and thus the description will be omitted.

<< Operation processing of the third embodiment >>
FIG. 46 is a flowchart of a process of providing credit rating executed by the server 110 according to the third example of the fifth embodiment.

  First, the server 110A acquires first information on the user A in the case of being a seller (S100). In addition, the server 110A acquires second information on the user A in the case of being a buyer (S110). The details of the process of acquiring the first information (S100) and the details of the process of acquiring the second information (S110) may be the same as those described in the first embodiment. The execution order of the process of acquiring the first information (S100) and the process of acquiring the second information (S110) may be reversed, and is arbitrary.

  After that, the server 110A calculates the credit of the user A based on the acquired first information and second information (S120). Then, when the credit of the user A is updated (S330: YES), the server 110A transmits the rank representing the credit and the identification information of the user A to the third party system 140 (S340).

  In addition, when the user A uses the service of the enterprise (S350: YES), the server 110A transmits the rank representing the credit and the identification information of the user A to the third party system 140 (S360). Thus, the credit providing process ends.

  The embodiments described above are for the purpose of facilitating the understanding of the present invention, and are not for the purpose of limiting the present invention. The elements included in the embodiment and the arrangement, the material, the conditions, the shape, the size, and the like of the elements are not limited to those illustrated, and can be changed as appropriate. In addition, configurations shown in different embodiments can be partially substituted or combined with each other.

  DESCRIPTION OF SYMBOLS 1 communication system, 110A server 110B server 120A terminal 120B terminal 120C terminal 130 network 130 information processing apparatus 201 processor 202 memory 203 storage 204 entering Output interface (input / output I / F) 205: communication interface (communication I / F) 313: control unit 314: storage unit 315: first acquisition unit 316: second acquisition unit 317: calculation unit 318: grant unit, 319: third acquisition unit, 320: performance unit, 321: input / output I / F, 322: communication I / F, 323: control unit, 324: storage unit, 325: provision unit, 400: program , 410 ... 1st information, 420 ... 2nd information, 500 ... program

Claims (12)

An information processing apparatus comprising a communication interface and a processor connected to the communication interface,
Acquiring, from the other information processing apparatus, the first information on the user when the user is a seller in the electronic commerce platform, by the communication interface;
Acquiring, from the other information processing apparatus, second information about the user in the electronic commerce platform when the user is a buyer, by the communication interface;
Acquiring information on the debt repayment status of the user from another information processing apparatus by the communication interface;
Prompting the user to submit a product or service to the e-commerce platform by the processor;
An activity on the electronic commerce platform when the user is a seller, based on the first information, the second information, and information on the repayment status of the debt by the processor, based on the credit information of the user, Calculating the credit to change according to the activity on the e-commerce platform in the case of a buyer and the change in the user's debt repayment status after the prompting step is performed; Calculation method. Identifying a product or service that is expected to be sold more than the difference according to the difference between the amount corresponding to the debt and the account balance of the user on the e-commerce platform;
Further prompting the user to place on the electronic commerce platform a product or service that is expected to sell more than the difference.
The method for calculating the degree of credit according to claim 1. The identifying step includes identifying an item expected to be sold more than the difference based on the market price of the item or service on the e-commerce platform.
The method for calculating the degree of credit according to claim 2. The identifying step includes identifying a product or service expected to be sold before the due date of the debt.
The method for calculating the degree of credit according to claim 2 or 3. The product includes a product purchased by the user on the e-commerce platform in the past,
The method for calculating the credit according to any one of claims 2 to 4. If the account balance of the user on the e-commerce platform is greater than the amount corresponding to the debt after performing the step of prompting the user to submit the product or service on the e-commerce platform, Further steps to improve the user's creditworthiness,
The method for calculating the credit according to any one of claims 2 to 5. Identifying a service platform different from the e-commerce platform expected to be sold more than the difference according to the difference between the amount corresponding to the debt and the account balance of the user on the e-commerce platform;
Urging the user to execute a service on the service platform.
The method for calculating the credit according to any one of claims 1 to 6. The step of identifying the service platform includes the step of identifying a service platform where sales of the difference or more are expected based on profile information of the user.
The method for calculating the degree of credit according to claim 7. The step of identifying the service platform includes the step of identifying a service platform expected to be sold before the fulfillment date of the debt.
A method of calculating the degree of credit according to claim 7 or 8. Improving the creditworthiness of the user if the account balance of the user on the e-commerce platform is greater than the amount corresponding to the debt after performing the step of prompting the user to execute the service on the service platform Perform further steps,
The method for calculating the degree of credit according to any one of claims 7 to 9. A first acquisition unit that acquires, from another information processing apparatus, first information on the user when the user is a seller in the electronic commerce platform;
A second acquisition unit that acquires, from another information processing apparatus, second information related to the user when the user is a buyer in the electronic commerce platform;
A third acquisition unit that acquires information on the repayment status of the user's debt from another information processing apparatus;
A communication interface for transmitting a message for prompting the user that the goods or services Sell the e-commerce platform,
An activity on the electronic commerce platform when the user is a seller, based on the first information, the second information, and the repayment status of the debt according to the first information, the second information, and the debt repayment status; An information processing apparatus comprising: a calculation unit configured to calculate the credit to change according to an activity on an electronic commerce platform and a change in a user's debt repayment status after the message is transmitted . An information processing apparatus comprising a communication interface and a processor connected to the communication interface;
Acquiring, from the other information processing apparatus, the first information on the user when the user is a seller in the electronic commerce platform, by the communication interface;
Acquiring, from the other information processing apparatus, second information about the user in the electronic commerce platform when the user is a buyer, by the communication interface;
Acquiring information on the debt repayment status of the user from another information processing apparatus by the communication interface;
Prompting the user to submit a product or service to the e-commerce platform by the processor by the processor;
Activity of the electronic commerce platform when the user is a seller based on the first information, the second information, and the repayment status of the debt by the processor based on the first information, the second information, and the repayment status of the debt; A credibility calculating program for performing the credibility change according to the change in the repayment situation of the user after the activity on the e-commerce platform and the prompting step are performed in a certain case .

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