JP6514383B1 - Judgment apparatus, judgment method, and program - Google Patents

Abstract

[PROBLEMS] To provide a determination device, a determination method, and a program capable of reducing a human burden on examination. A determination apparatus includes an acquisition unit for acquiring settlement information based on settlement performed at a first time, settlement information of settlement performed before a second time that is a predetermined period before the first time, and And a determination unit that determines whether the settlement performed at the first point in time is a normal settlement based on the settlement information acquired by the acquisition unit. [Selected figure] Figure 1

Description

  The present invention relates to a determination apparatus, a determination method, and a program.

  When a credit card is used, payment is reviewed. Related to this, there is known a technique for quickly detecting a settlement by a third party who illegally obtained credit card information (see, for example, Patent Document 1).

JP, 2013-130933, A

  Since credit card examinations were basically conducted manually, there was a large human burden.

  The present invention has been made in consideration of such circumstances, and it is an object of the present invention to provide a determination apparatus, a determination method, and a program capable of reducing the human burden on examination.

  One aspect of the present invention is an acquisition unit for acquiring settlement information based on settlement performed at least at a first time, information indicating a history of settlement before the second time that is a predetermined period before the first time, and It is a judgment device provided with the judgment part which judges whether the settlement performed at the 1st time is a normal settlement based on the settlement information acquired by the acquisition part.

  According to one aspect of the present invention, the human burden on examination can be reduced.

It is a figure for giving an overview of credit payment. It is a figure showing an example of the information system concerning an embodiment. It is a figure which shows an example of the content of a payment request. It is a figure which shows an example of the content of historical information. It is a figure which shows typically the acquisition time of the record used as the object of a whitelist. It is a figure which shows an example of the content of a whitelist. It is a flowchart which shows an example of the determination processing by the payment process part of a payment server.

Embodiment
Hereinafter, embodiments of the determination apparatus of the present invention will be described with reference to the drawings. The determination device is implemented by one or more processors. The determination device is a device that makes a determination to assist in the examination of the credit card payment made in the commerce system.

  The determination apparatus may be realized as an apparatus for providing a commerce system, an apparatus in cooperation with the commerce system, or the other apparatus, or may be an apparatus that performs the determination process solely. In the following description, it is assumed that the determination apparatus is realized as one function of a payment server that implements a payment system that performs processing related to credit card payment performed in a commerce system.

[Overview of payment examination]
FIG. 1 is a diagram for outlining a credit transaction. In credit settlement, there were cases in which settlements to be reviewed were extracted comprehensively or by sampling, and the extracted settlements were manually examined by a settlement examiner shown in the figure. The upper diagram in FIG. 1 shows how a settlement examiner examines for comparison. The settlement examiner acquires, for example, information on the examination target settlement from the inspection target settlement list indicating the examination target settlement (hereinafter simply referred to as “the examination target settlement”) (A in the figure), and refers to the reference database. Perform (B in the figure). Then, the credit card company and the like are notified of the examination result (C in the figure). The lower part of FIG. 1 shows a state in which the judging device carries out the examination. For example, the determination apparatus acquires information on the payment to be examined from the payment list to be examined (a in the figure), and conducts a review by the process described below (b in the figure). Then, after the examination by the settlement examiner, the examination result is notified to the credit card company etc. (c in the figure). As described above, the use of the determination device can reduce the human burden.

[About the information processing system 1]
FIG. 2 is a diagram illustrating an example of the information processing system 1 according to the embodiment. The information processing system 1 includes, for example, a settlement server 100, one or more terminal devices 200, and one or more shopping servers 300. These devices are connected via a network NW. The settlement server 100, the terminal device 200, and the shopping server 300 transmit and receive various information via the network NW. The network NW includes, for example, the Internet, a wide area network (WAN), a local area network (LAN), a provider terminal, a wireless communication network, a wireless base station, a dedicated line, and the like. In addition, it is not necessary that all combinations of the respective devices shown in FIG. 2 can communicate with each other, and the network NW may partially include a local network.

[About terminal device 200]
The terminal device 200 is, for example, a terminal device including an input device, a display device, a communication device, a storage device, and an arithmetic device such as a mobile phone such as a smartphone, a tablet terminal, and various personal computers. The communication device includes a network card such as a network interface card (NIC), a wireless communication module, and the like. In the terminal device 200, a UA (User Agent) 210 such as a browser or an application program is activated. The UA 210 displays the sales screen provided from the shopping server 300 and transmits, to the shopping server 300, a request corresponding to the input operation performed by the user of the terminal device 200. The shopping server 300 manages the sale of goods in response to a request from the UA 210. In the following description, it is assumed that the UA 210 is a browser, and the shopping server 300 is a web server. In the terminal device 200, the UA 210 is activated and transmits a request according to the content input by the user to the shopping server 300. In addition, the terminal device 200 activated by the UA 210 causes the display device to display various images based on the information acquired from the shopping server 300. The terminal device 200 transmits a settlement request 220 for requesting a settlement to the shopping server 300 in response to the purchaser's “purchase a product” operation.

[About Settlement Request 220]
FIG. 3 is a diagram showing an example of the content of the settlement request 220. As shown in FIG. The settlement request 220 is, for example, information in which transaction date, transaction details, settlement means, settlement amount, credit card number, and purchaser estimation information are associated with the purchaser's user ID. The content of the transaction indicates, for example, the content of the transaction such as “product purchase” or “service purchase”. For example, “cash on delivery”, “bank withdrawal”, “credit”, “point” or the like is indicated in the settlement means. In addition, a payment means is an example and it is not restricted to this. The payment request 220 is an example of “payment information”, and the user ID and the credit card number are examples of “identification information related to payment”.

  The purchaser estimation information is information that can estimate (identify) a purchaser. The buyer estimation information may be, for example, an HTTP (Hyper Text Transfer Protocol) cookie, a delivery address of a product, a purchaser's e-mail address, information of a web browser used when the purchaser browses a shopping site (hereinafter simply referred to as web At least one of browser information) is included. The web browser information includes, for example, at least one of a browser version, a window size, a language setting, or a time zone. In the present embodiment, the case where only the browser version is included in the web browser information will be described. The HTTP cookie or web browser information is obtained from the browser or application program used by the purchaser. The shipping address of the item, or the buyer's e-mail address is obtained from the shopping site to which the buyer is logged in. The various types of information included in the purchaser estimation information are merely examples, and the present invention is not limited to this. For example, in the case where the purchased product is a product not accompanied by delivery of digital content or the like, the purchaser estimation information does not include the delivery address. In addition, when the purchaser browses the content of the shopping site by the application, the purchaser estimation information includes the version of the application instead of the web browser information.

  Returning to FIG. 2, when “credit” is selected as the payment means included in the payment request 220 received from the terminal device 200, the shopping server 300 sends the payment request 220 to the payment server 100 via the network NW. Send.

[About payment server 100]
The settlement server 100 includes, for example, a settlement information acquisition unit 102, a white list generation unit 103, a settlement determination unit 104, and a settlement processing unit 106. These components are realized, for example, by execution of a program (software) by a hardware processor such as a central processing unit (CPU). In addition, some or all of these components may be hardware (circuits) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), etc. Circuit (including circuitry) or may be realized by cooperation of software and hardware. The program may be stored in advance in a storage device such as a hard disk drive (HDD) or a flash memory, or is stored in a removable storage medium such as a DVD or a CD-ROM, and the storage medium is stored in the drive device. It may be installed by being attached.

  Further, the settlement server 100 stores data such as the examination target settlement list 112, the history information 113, and the white list 114 in the storage device 110. The storage device 110 is realized by an HDD, a flash memory, a RAM (Random Access Memory), and the like. The storage device 110 may be attached to each server, or may be an external storage device such as a NAS (Network Attached Storage) accessible via the network NW.

  The settlement information acquisition unit 102 acquires the settlement request 220 from the shopping server 300 and stores it as the examination target settlement list 112. The settlement determination unit 104 associates the settlement request 220 acquired by the settlement information acquisition unit 102 with the settlement result of the settlement request 220, and accumulates it as the history information 113. For example, the settlement determination unit 104 determines that the credit card listed on the blacklist provided by the credit card company is not a transaction that was used for settlement as a normal settlement, and the other settlements are normal settlements. It is determined that

  The settlement processing unit 106 performs settlement processing based on the result determined by the settlement determination unit 104. Specifically, when the settlement determination unit 104 determines that the settlement is normal, the settlement processing unit 106 performs settlement processing. In addition, when the payment processing unit 106 determines that the payment is not a normal payment by the payment determination unit 104, the payment processing unit 106 normally performs payment to the shopping server 300 (shopping site), the terminal device 200 of the purchaser of this transaction, or Informs that the payment has not been made.

[About history information 113]
FIG. 4 is a diagram showing an example of the content of the history information 113. As shown in FIG. The history information 113 is information in which various types of information included in the settlement request 220 and the settlement result for the settlement request 220 are associated with the user ID. Hereinafter, the information corresponding to one payment request 220 included in the history information 113 is referred to as “one record of the history information 113”. The settlement result includes not only the result of the examination at the settlement determination timing but also the result that an offer to the effect that it is not normal is made after the fact. If a purchaser receives a statement of use and learns that an unforeseen transaction is taking place, the purchaser contacts a credit card company representative. In response to the notification, the person in charge corrects the settlement result of the record of the transaction in the history information 113 from “normal” to “refund”.

  Referring back to FIG. 2, the whitelist generation unit 103 generates the whitelist 114 based on the history information 113. The whitelist 114 is information used to determine whether the examination target settlement is a normal settlement.

[About white list 114]
FIG. 5 is a view schematically showing the acquisition timing (the timing acquired as the settlement request 220) of the target record of the whitelist 114. As shown in FIG. The white list 114 is a record of settlement determined to be a normal settlement among the records of the history information 113, and for example, a predetermined period from the settlement determination timing (time t1; first time point) by the settlement determination unit 104 It is a record accumulated in the history information 113 before the judgment reference timing (time t2; second time point) before TM. In the following description, time t1 is described as "settlement determination timing", and time t2 is described as "determination reference timing". The settlement determination timing is an example of the “first time point”, and the determination reference timing is an example of the “second time point”. FIG. 6 is a diagram showing an example of the content of the white list 114. As shown in FIG. Note that, as described below, the whitelist 114 may be a collection of records of settlements judged to be normal settlements among records of the history information 113 regardless of collection time.

  Returning to FIG. 2, the whitelist generation unit 103 generates the whitelist 114, for example, at a frequency of once a day. The whitelist generation unit 103 generates the whitelist 114, for example, by the following (A) or (B) generation method. In the generation method (A), among the records included in the history information 113, the whitelist generation unit 103 is a record accumulated before the determination reference timing, and collects the records whose settlement result is “normal”. , And the white list 114 are generated. According to the generation method (B), the whitelist generation unit 103 generates the whitelist 114 by collecting, among the records of the history information 113, those for which the settlement result is “normal” regardless of the collected time. It is a method.

  Here, it may be required for a predetermined period TM before the purchaser makes a judgment on the success or failure of the transaction performed by the credit card settlement. The predetermined period TM is a period that can be confirmed by the purchaser or a credit card company that the payment is normal, and is preferably several days or more prior to the payment determination timing, and more preferably several weeks or more Period, and more preferably three months or more ago. The predetermined period TM is, for example, a period required for the purchaser to confirm the usage details issued by the credit card company and to determine whether the settlement is successful or not from the settlement determination timing. Therefore, the settlement indicated by the records in the whitelist 114 is a settlement that has been confirmed as a normal settlement by the purchaser or the credit card company.

[About the judgment of the payment subject to examination]
The settlement determination unit 104 determines whether the examination target settlement stored as the record of the examination target settlement list 112 at a predetermined timing is a normal settlement. Specifically, when at least one of the following conditions (1) to (5) is satisfied, the settlement determination unit 104 determines that the examination target settlement is a normal settlement.
(1) When the information indicating the HTTP cookie included in the record of the payment list to be examined 112 matches any of the information indicating the HTTP cookie of the white list 114 associated with the user ID included in the record: Since it is estimated that the payment is made using the same terminal device 200 as the terminal device 200 normally used by the purchaser, the settlement determination unit 104 determines that the examination target settlement of the record is a normal settlement. Do.
(2) In the case where the delivery address included in the record of the check target payment list 112 matches any of the delivery addresses associated with the user ID of the whitelist 114 included in the record In this case, the purchaser Since it is presumed that the settlement of the transaction of the same delivery address as the delivery address to which the purchased goods etc. are normally delivered is settled, the settlement determination unit 104 determines that the examination target settlement of the record is a normal settlement. .
(3) When the information indicating the e-mail address included in the record of the settlement target payment list 112 matches any of the information indicating the e-mail address of the whitelist 114 associated with the user ID included in the record: Since it is presumed that the transaction is the transaction in which the same e-mail address as the e-mail address normally used is specified for the e-mail address used by the purchaser in connection with the transaction, the settlement judgment unit 104 It is determined that the payment is normal.
(4) When the information indicating the web browser information included in the record of the examination target payment list 112 matches any of the information indicating the web browser information of the white list 114 associated with the user ID included in the record In this case, since it is presumed that the settlement of the transaction is performed by the same browser as the browser or application normally used by the purchaser, the settlement determination unit 104 determines that the examination target settlement of the record is a normal settlement. Do.
(5) In the case where the information indicating the credit card number included in the record of the settlement target payment list 112 matches any one of the information indicating the credit card number of the whitelist 114 associated with the user ID included in the record In these cases, it is presumed that the payment is made by the same credit card as the purchaser's normal credit card, so the settlement judgment unit 104 judges that the examination target settlement of the record is a normal settlement. Do.

  The settlement processing unit 106 corrects the record stored in the history information 113 and the record stored in the white list 114 based on the result that the settlement determination unit 104 determines the examination target settlement. Specifically, when the settlement determination unit 104 determines that the settlement target settlement is not a normal settlement, the settlement processing unit 106 requests the settlement examiner to review (determine) the settlement target settlement again. .

  The payment processing unit 106 updates the history information 113 when it is determined by the payment examiner that the payment subject to examination is not a normal payment. Specifically, the settlement processing unit 106 changes the settlement result included in the record of the history information 113 corresponding to the examination target settlement to “abnormal”. When the whitelist 114 is generated by the generation method (B), the settlement processing unit 106 deletes the record of the whitelist 114 corresponding to the examination target settlement.

  In addition, the settlement processing unit 106 indicates that the settlement that is not a normal settlement has been made to the shopping server 300, the terminal device 200 of the purchaser of this transaction, or the credit card company for the settlement determined to be not a normal settlement. To notify. The settlement processing unit 106 may change the record of the history information 113 without waiting for the determination result by the settlement examiner, or may notify each area that abnormal settlement has been performed.

Processing flow
FIG. 7 is a flowchart showing an example of determination processing by the payment processing unit 106 of the payment server 100. The processing of the flowchart shown in FIG. 7 is executed at the settlement determination timing. The settlement determination timing is, for example, once every several hours, once a day, or once a few days. The settlement processing unit 106 reads out the record of the settlement target settlement transaction from the inspection target settlement list 112 (S100).

  When the white list 114 is generated by the generation method (A), the settlement determination unit 104 associates the purchaser estimation information included in the record read from the examination target settlement list 112 with the user ID included in the record. It is determined whether or not the purchaser estimation information of the record of the whitelist 114 matches (S106).

  When the white list 114 is generated by the generation method (B), the process of S106 corresponds to “The purchaser estimation information included in the record read from the examination target payment list 112 corresponds to the user ID included in the record. It is replaced with the content of "determining whether or not the purchaser estimated information included in the records narrowed down to the record before the determination reference timing out of the attached records of the white list 114 matches".

  The settlement determination unit 104 matches the purchaser estimation information included in the record read from the examination target payment list 112 with the purchaser estimation information in the record of the whitelist 114 associated with the user ID included in the record. When (at least a part of them agrees), it is determined that the payment is normal (S108), and the process is ended. The settlement determination unit 104 determines that the purchaser estimation information included in the record read from the examination target payment list 112 does not match the purchaser estimation information in the record of the whitelist 114 associated with the user ID included in the record. In the case, it is determined that there is a possibility that the payment is not normal (S110). In this case, the settlement processing unit 106 again requests the settlement examiner (the terminal device thereof) to examine (determine) the settlement target for the examination (S112). In response to the notification from the settlement examiner, the settlement processing unit 106 determines whether the examination target settlement is a normal settlement (S114). The settlement processing unit 106 ends the process when the settlement examiner determines that the examination target settlement is a normal settlement. The settlement processing unit 106 updates the history information 113 if the settlement examiner determines that the settlement target for the examination is not a normal settlement (S116), the shopping server 300, the terminal device 200 of the purchaser of this transaction, Alternatively, the credit card company is notified that a payment that is not a normal payment has been made. (S118), the process ends.

[About point payment]
Moreover, although the case where the payment determination part 104 makes a credit card payment determination (examination) object was demonstrated above, it is not restricted to this. The settlement determination unit 104 may make point settlement as a determination target and perform the same processing.

[On the determination based on the white list 114]
In the above description, the settlement determination unit 104 includes the purchaser estimation information included in the examination target settlement and at least one of the purchaser estimation information in the whitelist 114 associated with the user ID included in the settlement request 220. Although the case has been described where it is determined that the examination target settlement is a normal settlement if they match, the present invention is not limited to this. For example, the settlement determination unit 104 is a predetermined number (for example, two or more) or more of purchaser estimation information (that is, an HTTP cookie, a delivery address, a purchaser's e-mail address, web browser information) included in the examination target settlement. In the case where the information in the above matches the whitelist 114, it may be determined that the examination target settlement is a normal settlement.

[About the combination of buyer's estimate information]
Further, the settlement determination unit 104 may determine whether or not the examination target settlement is a normal settlement based on a combination of specific information among the purchaser estimation information included in the inspection target settlement. The settlement server 100 includes a selection unit that selects information used for the determination of the settlement processing unit 106 among the purchaser estimation information, based on, for example, the features of the product or service purchased by the transaction of the examination target settlement. . If the information selected by the selection unit among the purchaser estimation information of the record of the settlement target payment matches the purchaser estimation information of the record of the white list 114 corresponding to the record, the settlement determination unit 104 selects the inspection target It is determined that the settlement is a normal settlement. For example, when the product purchased by the transaction of the settlement target transaction is “digital content”, the selection unit selects “HTTP cookie” among the purchaser estimation information as information to be used for the determination of the settlement processing unit 106, If the “HTTP cookie” included in the record of the settlement target transaction matches the “HTTP cookie” of the record corresponding to the record among the records included in the whitelist 114, the settlement processing unit 106 determines the inspection target settlement. Is determined to be a normal payment.

  Further, the selection unit may select, among the purchaser estimation information, information used for the determination of the settlement processing unit 106 based on the feature of the settlement means. For example, when the settlement means of the examination target settlement is “point”, the selection unit uses “HTTP cookie” and “delivery address” in the purchaser estimation information as information used for the determination of the settlement processing unit 106. The payment processing unit 106 selects the “HTTP cookie” of the record corresponding to the record among the “HTTP cookie” and the “delivery address” included in the record of the payment to be examined, and the record included in the whitelist 114. And “delivery address” match, it is determined that the check target settlement is a normal settlement.

  The selection unit may select purchaser information other than the purchaser estimation information as information to be used for the determination of the payment processing unit 106. For example, when the payment means of the payment to be examined is “credit card”, the selection unit selects “user ID” and “credit card number” as information used for determination of the payment processing unit 106, and the payment processing unit 106 indicates the “user ID” and “credit card number” included in the record of the payment subject to examination, and the “user ID” of the record corresponding to the record among the records included in the whitelist 114, and “credit card If the numbers match, it is determined that the examination target settlement is a normal settlement.

  Further, the settlement server 100 may have a function of extracting the examination target settlement based on the features of the shop that sells the purchased product or service. For example, when the store that sells the purchased product or service is a store on an auction site, the payment server 100 checks the payment request 220 before the buyer makes a successful bid for the purchased product or service. , And may be stored in the examination target payment list 112. The settlement request 220 transmitted by the purchaser using the auction site to the server of the auction site includes a “bid amount” instead of the “payment amount”.

[About the case of extracting the settlement object for examination]
Further, in the above description, the case where the settlement processing unit 106 determines any settlement as the examination target settlement by storing the settlement request 220 acquired by the settlement information acquisition unit 102 in the examination target settlement list 112 has been described. However, it is not limited to this. For example, among the records stored in the history information 113, records of payment to be reviewed are extracted exhaustively or by sampling, and the configuration is also stored as the payment to be reviewed list 112. Good. As a result, the settlement processing unit 106 can determine, among all the settlements, the extracted examination target settlements.

[In the case of determining the settlement of the settlement request 220 in real time]
Although the above describes the case where the examination target settlement stored in the examination target settlement list 112 is determined at the settlement determination timing, the present invention is not limited to this. For example, the settlement determination unit 104 may determine in real time whether the settlement indicated by the settlement request 220 acquired by the settlement information acquisition unit 102 is a normal settlement. In this case, the settlement processing unit 106 performs settlement processing of settlement determined to be normal settlement by the settlement determination unit 104, and settlement is performed for settlement determined not to be normal settlement by the settlement determination unit 104. It may be notified to the shopping server 300, the terminal device 200, or the credit card company that it can not be done.

[When not generating the white list 114]
Further, although the case where the whitelist 114 is generated by the whitelist generation unit 103 has been described above, the present invention is not limited to this. For example, the settlement determination unit 104 refers to the record before the determination reference timing among the records of the history information 113 at the settlement determination timing, and refers to the record in which “normal” is associated with the settlement result. It may be configured to determine whether the payment is normal. In this case, the settlement server 100 may not include the whitelist generation unit 103.

[Summary of the embodiment]
As described above, the settlement server 100 according to the present embodiment includes an acquisition unit (in this example, the settlement information acquisition unit 102) that acquires a record of a check target settlement based on the settlement performed at the first time, and the first time (In this example, the white list 114 before the second time point (in this example, the determination reference timing) before the predetermined period TM before the settlement determination timing) and the record of the payment to be examined acquired by the payment information acquisition unit 102 And a determination unit (in this example, the payment determination unit 104 in this example) that determines whether the payment performed at the first time point is normal. Can suppress the occurrence of variations in examination results.

  As mentioned above, although the form for carrying out the present invention was explained using an embodiment, the present invention is not limited at all by such an embodiment, and various modification and substitution within the range which does not deviate from the gist of the present invention Can be added.

1 ... information processing system 100 ... settlement server 102 ... settlement information acquisition unit 103 ... white list generation unit 104 ... settlement determination unit 106 ... settlement processing unit 110 ... storage device 112 ... examination target settlement list 113 ... history information 114 ... white list 200 ... terminal device 220 ... settlement request 300 ... shopping server TM ... predetermined period

Claims (7)

An acquisition unit for acquiring settlement information based on the settlement performed at a first time point;
The payment information is information that can estimate a purchaser, information indicating an HTTP cookie, information indicating a delivery destination of a product involved in payment, information indicating an email address of the purchaser, and web browser information. Contains at least one of
A selection unit that selects information to be used for determination among the information included in the payment information based on the features of the product or service purchased by the payment;
A normal settlement from an information group including the settlement information of the settlement performed before the second time point by a predetermined period before the first time point and not including the settlement information of the settlement performed after the second time point Is performed at the first point of time based on the degree of matching of the information selected by the selection unit, with respect to the white list in which the settlement information confirmed as 1 and the settlement information acquired by the acquisition unit are collected. A determination unit that determines whether the settlement is a normal settlement;
A determination apparatus comprising: The predetermined period is a period in which it can be confirmed that the payment is normal.
The determination apparatus according to claim 1. The determination unit is configured based on the settlement information indicating normal settlement among a plurality of settlement information based on a plurality of settlements performed before the second time point, and the settlement information acquired by the acquisition unit. Determine whether the settlement performed at the first time point is a normal settlement,
The determination apparatus of Claim 1 or Claim 2. The selection unit, based on the characteristics of the payment means, for selecting the information to be used for the determination of the determination unit,
Determination apparatus according to any one of claims 1 to 3. The selection unit further selects the settlement target of the judgment target of the judgment unit based on the features of the store that sells the product or the service purchased by the settlement .
The determination unit determines that the determination target payment selected by the selection unit is a normal payment.
Determination apparatus according to any one of claims 1 to 4. The computer is
Acquire settlement information based on the settlement performed at the first time,
The payment information is information that can estimate a purchaser, information indicating an HTTP cookie, information indicating a delivery destination of a product involved in payment, information indicating an email address of the purchaser, and web browser information. Contains at least one of
The information used for the determination is selected among the information included in the settlement information, based on the features of the product or service purchased by the settlement,
It includes the payment information of payment made to the second time point earlier before the predetermined period than the first time point, from the information group not including the payment information of payment made later than the second time point, the normal settlement Whether the settlement performed at the first point in time is a normal settlement based on the degree of agreement of the selected information with the whitelist collecting the settlement information confirmed as and the acquired settlement information Determine whether or not
Judgment method. On the computer
Have payment information based on the payment made at the first time point be acquired,
The payment information is information that can estimate a purchaser, information indicating an HTTP cookie, information indicating a delivery destination of a product involved in payment, information indicating an email address of the purchaser, and web browser information. Contains at least one of
The information to be used for the determination is selected from the information included in the settlement information based on the features of the product or service purchased by the settlement,
It includes the payment information of payment made to the second time point earlier before the predetermined period than the first time point, from the information group not including the payment information of payment made later than the second time point, the normal settlement Whether the settlement performed at the first point in time is a normal settlement or not based on the degree of agreement of the information with respect to the whitelist in which the settlement information confirmed as and the acquired settlement information is collected Let me judge,
program.

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