JP7452946B2 - Information processing method, information processing device, and program - Google Patents

Description

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

2. Description of the Related Art Conventionally, techniques for providing transaction services such as flea market services, online auction services, and instant purchase (pawn shop) services are known (see, for example, Patent Document 1).

JP 2018-147298 Publication

However, with the conventional technology, for example, when a user obtains a product at a store, the amount paid at the time of purchase may be relatively high. The present disclosure aims to provide a technology that allows users to reduce the amount they pay when purchasing products at a store.

In an information processing method according to an embodiment of the present disclosure, an information processing apparatus calculates an amount obtained by subtracting an advance amount, which is at least a part of the amount, from the amount of the product purchased by the user, at the time of processing the purchase of the product. A process of subtracting the advance amount from the user's account, and a process of subtracting the advance amount from the user's account if a predetermined period of time has passed since the user purchased the product or if the product is sold by the user. and execute.

1 is a diagram showing a configuration of a communication system according to an embodiment of the present disclosure. It is a diagram showing an example of the hardware configuration of a server and a terminal according to an embodiment. FIG. 2 is a diagram showing an example of a block diagram showing the functional configuration of a server and a terminal according to an embodiment. FIG. 2 is a diagram illustrating an example of a sequence of lease start processing in the communication system according to the embodiment. It is a figure showing an example of product information stored in a product information storage part concerning an embodiment. It is a figure showing an example of the buying and selling information memorized by the buying and selling information storage part concerning an embodiment. It is a figure showing an example of advance information stored in a advance information storage part concerning an embodiment. It is a figure showing an example of advance information stored in a user information storage part concerning an embodiment. FIG. 3 is a diagram illustrating an example of a display screen of a terminal according to an embodiment. FIG. 3 is a diagram illustrating an example of a display screen of a terminal according to an embodiment. FIG. 3 is a diagram illustrating an example of a display screen of a terminal according to an embodiment. FIG. 3 is a diagram illustrating an example of a display screen of a terminal according to an embodiment. FIG. 3 is a diagram illustrating an example of a display screen of a terminal according to an embodiment. FIG. 2 is a diagram illustrating an example of a sequence of lease termination processing in the communication system according to the embodiment. FIG. 2 is a diagram illustrating an example of a sequence of lease termination processing in the communication system according to the embodiment. FIG. 3 is a diagram illustrating an example of a display screen of a terminal according to an embodiment. FIG. 3 is a diagram illustrating an example of a display screen of a terminal according to an embodiment. FIG. 3 is a diagram illustrating an example of a display screen of a terminal according to an embodiment.

<Legal compliance>
The disclosure described herein, if implemented, will be implemented in compliance with the laws and regulations of each country implementing the disclosure. In addition, the disclosure described herein may be implemented with all changes, substitutions, variations, modifications, and modifications that can be made by a person skilled in the art and are necessary to comply with the laws and regulations of each country.

A form for implementing the repayment according to the present disclosure will be described with reference to the drawings.
<System configuration>
FIG. 1 is a diagram showing the configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, a terminal 120C, and a POS terminal 140A, a POS terminal 140B, and a POS terminal 140C are connected via a network 130. be done.

In the present disclosure, if there is no need to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may each be expressed as the server 110.

In the present disclosure, if there is no need to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C are each referred to as the terminal 120 (an example of an "information processing terminal"). may be expressed. In addition, in the present disclosure, if there is no need to distinguish between the POS terminal 140A, the POS terminal 140B, and the POS terminal 140C, the POS terminal 140A, the POS terminal 140B, and the POS terminal 140C are each expressed as a POS terminal 140. may be done.

In the present disclosure, if there is no need to distinguish between the server 110, the terminal 120, and the POS terminal 140, each of the server 110, the terminal 120, and the POS terminal 140 may be expressed as an information processing device 200. Note that the number of information processing apparatuses 200 connected to the network 130 is not limited to the example in FIG. 1.

The server 110 provides predetermined services to the terminal 120 used by the user via the network 130. The predetermined services include, by way of example and not limitation, payment services, transaction services, leasing services for lending products selected by users at stores (including physical stores and online stores), financial services, e-commerce services, Includes SNS (Social Networking Services), typified by messaging services using instant messengers, etc., and content provision services such as songs, videos, and books. When a user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120. Note that transaction services are, for example, services that allow consumers to sell products, and include transactions such as flea market services and online auction services (interpersonal online transactions, CtoC (Consumer to Consumer) electronic commerce, consumption Online transaction) services, instant purchase (pawn shop) services, etc. may also be included.

The POS terminal 140 is, for example, a POS (Point of Sale System) terminal installed in a store or the like. The POS terminal 140 receives, for example, an operation from a store clerk in which the user (customer) of the terminal 120 inputs the price of the product to be purchased. When the user holds the terminal 120 over the card reader of the POS terminal 140, the POS terminal 140 reads information from the terminal 120 using, for example, short-range wireless communication, and transfers the read information to the server 110. Receive payment by sending to.

The terminal 120 is, for example, a terminal such as a user's smartphone, and performs processing using various services provided by the server 110, such as a payment service, a flea market service, an interpersonal transaction service such as an online auction service, and a lease service. .

Note that the lease service of the present disclosure includes, for example, a person-to-person transaction provided by the server 110 in which the operator of the server 110 advances a part of the price (advance amount, discount amount) and allows the user to purchase the product. This service includes a service in which the user uses the service to sell (sell) the product by a predetermined deadline and collects the advance amount from the sales proceeds. Note that the products may be products such as clothes, books, games, etc., by way of example and not limitation.

In this disclosure, a payment service refers to a service that allows one or more users to send and receive money or money equivalents. By way of example and not limitation, one-dimensional codes (barcodes, etc.), two-dimensional codes (QR codes (registered trademark), etc.) (hereinafter, one-dimensional codes and two-dimensional codes are collectively referred to as "two-dimensional codes, etc.") ), a payment service using near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, payment is made by the terminal 120 of the user (payer) who makes the payment reading a two-dimensional code, etc., which is expressed as "user-readable code payment" or "MPM (Merchant Presented Mode)". The terminal 120 of the user who performs the transaction displays a two-dimensional code, etc., and the terminal 120 of the user (seller, biller) at the store requesting the payment reads the displayed two-dimensional code, etc. to make the payment. This is referred to as ``store-readable code payment'' or ``CPM (Consumer Presented Mode).'' Note that MPM and CPM may be dynamic or static.

If necessary, the terminal used by user X will be expressed as terminal 120X, and the user information in a predetermined service associated with user X or terminal 120X will be expressed as user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. User information includes, by way of example and not limitation, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's hobbies, entered by the user or provided by a predetermined service. This includes information associated with users such as preferences and user identifiers, electronic value (electronic money) balance information associated with users, and credit card information associated with users (credit card numbers, etc.). Either one or a combination may be used.

The network 130 plays a role of connecting two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can transmit and receive data after connecting to the server 110.

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

The information processing device 200 may be any information processing device as long as it can implement the functions and methods described in this disclosure.

Information processing device 200 may include, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (such as a desktop, laptop, tablet, etc., by way of example and not limitation), a server device, a media computer platform (by way of example and not limitation). , cable, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (including, without limitation, personal digital assistants (PDAs), e-mail clients, etc.), wearable terminals (including, by way of example and not limitation, eyeglass-type devices, (such as watch-type devices), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing device 200 included in the communication system 1 will be described using FIG. 2. FIG. 2 is a diagram illustrating an example of the hardware configuration of the information processing device 200 according to the embodiment.

The information processing device 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 hardware components of the information processing device 200 are interconnected via a bus B, by way of example and not limitation.

The information processing device 200 realizes the functions and/or methods described in the present disclosure through cooperation with the processor 201, memory 202, storage 203, input/output I/F 204, and communication I/F 205. do.

Processor 201 executes functions and methods implemented by codes or instructions included in programs stored in storage 203. The processor 201 may include, by way of example and not limitation, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), a microprocessor, a processor core, a multiprocessor. , ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and logic circuits (hardware) formed in integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc. Each process disclosed in each embodiment may be implemented by a dedicated circuit. Further, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Furthermore, LSIs are sometimes called VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

The memory 202 temporarily stores programs loaded from the storage 203 and provides a work area for the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing a program. Memory 202 includes, by way of example and not limitation, RAM (Random Access Memory), ROM (Read Only Memory), and the like.

Storage 203 stores programs. 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 wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 205 has a function of communicating with other information processing devices via the network 130. Communication I/F 205 transmits various data to other information processing devices according to instructions from processor 201. Furthermore, the communication I/F 205 receives various data transmitted from other information processing devices and transmits it 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 processing results processed by the information processing device 200. The input/output I/F 204 may be an integrated input device and an output device, or may be separated into an input device and an output device.

The input device is implemented by any or a combination of all types of devices capable of receiving input from a user and transmitting information related to the input to processor 201. Input devices include, by way of example and not limitation, touch panels, touch displays, hardware keys such as keyboards, pointing devices such as mice, cameras (operation input via images), and microphones (operation input via voice).

The output device is realized by any one of all types of devices capable of outputting the processing results processed by the processor 201, or a combination thereof. When outputting the processing result as a video or moving image, the output device is realized by any one or a combination of all types of devices that can display the display data in accordance with the display data written to the frame buffer. Ru. Examples of output devices include, but are not limited to, touch panels, touch displays, monitors (including, but not limited to, liquid crystal displays, OELDs (Organic Electroluminescence Displays), etc.), head mounted displays (HDMs), projection mapping, and holograms. , devices that can display images, text information, etc. in air (or in a vacuum), speakers (audio output), printers, etc. Note that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium is a "non-temporary tangible medium" that can store a program. Programs include, by way of example and not limitation, software programs and computer programs.

Where appropriate, the storage medium may include one or more semiconductor-based or other integrated circuits (ICs), such as, by way of example and not limitation, field programmable gate arrays (FPGAs), application specific integrated circuits (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 It may include tape, solid state drives (SSD), RAM drives, secure digital cards or drives, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to the information processing device 200 via any transmission medium (communication network, broadcast wave, etc.) that can transmit the program.

Each embodiment of the present disclosure may also be implemented in the form of a data signal embedded in a carrier wave, where the program is embodied by electronic transmission.

Note that the program of the present disclosure is implemented using a scripting language such as JavaScript (registered trademark), Python, C language, Go language, Swift, Kotlin, Java (registered trademark), etc., by way of example and not limitation.

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

At least part of the processing in the information processing device 200 may be performed by another information processing device. In this case, a configuration may be adopted in which at least part of the processing of each functional unit implemented by the processor 201 is performed by another information processing device.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiments of the present disclosure is not essential, and a predetermined process may be performed when the determination condition is met, or a predetermined process is performed when the determination condition is not met. You may.

In this disclosure, unless explicitly stated or indicated by context, "at least one of A and B" means "A, B, or both." Additionally, unless explicitly stated or indicated by context, "a," "an," or "the" shall mean "one or more." Thus, as used herein, "an A" or "the A" means "one or more A's," unless otherwise specified or indicated by context.

This disclosure encompasses all changes, substitutions, variations, modifications, or modifications that can be made by those skilled in the art to the embodiments and examples of this disclosure. Additionally, the appended claims encompass all changes, substitutions, variations, modifications, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Furthermore, this disclosure encompasses any combination of one or more features of an embodiment or example of this disclosure with one or more features of other embodiments or examples of this disclosure that a person skilled in the art can make. do.

In addition, a device or system or a component of a device or system that is adapted, arranged, capable, configured, available for use, operable, or operable to perform a particular function. References in the appended claims to refer to any reference to the device, system or component so adapted, arranged, capable, configured, enabled, operative. It includes any device, system, component, insofar as the device, system, component, or a particular feature thereof is activated, turned on, or unlocked, insofar as the device, system, component, or a particular feature thereof is activated, turned on, or unlocked.

Unless explicitly stated otherwise, consent from the user may be obtained in advance or immediately before implementing any embodiment or example. Further, the consent to be obtained may be comprehensive or may be obtained on a case-by-case basis.

<Embodiment>
An embodiment of the present disclosure is an embodiment in which a user pays in advance when purchasing a product.

Embodiments may, for example, reduce the amount a user pays when obtaining a product at a store. In addition, for example, even if the user's balance is less than the price of the product, it may be possible to obtain the product, so the effort of depositing money into the balance is reduced, and as a result, the load on the terminal 120A and the server 110, and the communication between the terminal 120A and the server 110. The effect is that the load on the network 130 can be reduced.

<Functional configuration of embodiment>
The functional configurations of the server 110 and the terminal 120 will be explained using FIG. 3. FIG. 3 is a diagram showing an example of a block diagram showing the functional configurations of the server 110 and the terminal 120 according to the embodiment. The functional unit disclosed in FIG. 3 is realized by cooperation of a processor 201, a memory 202, a storage 203, an input/output I/F 204, and a communication I/F 205 included in the information processing apparatus 200.

(1) Server functional configuration
The server 110 includes a reception section 311 , a transmission/reception section 312 , a control section 313 , a display control section 314 , and a storage section 315 . Note that the functions or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) to the extent possible.

The reception unit 311 receives various setting operations and the like from businesses that operate various services provided by the server 110.

The transmitting/receiving unit 312 transmits and receives data to and from the terminal 120 according to instructions from the control unit 313 . Note that, for example, when the user of the terminal 120 or the like is authenticated using the user ID and password included in the login request from the terminal 120 or the like, the transmitter/receiver 312 establishes a communication session with the terminal 120 or the like using HTTPS or the like. Connect. Then, the communication address of the terminal 120, etc., the user ID, etc. are stored in association with the ID of the connected communication session. Then, data is transmitted to the terminal 120 or the like using the connected communication session.

The control unit 313 performs processing to provide the user of the terminal 120 with services such as lease services, electronic commerce services including transaction services, payment services, and financial services.

The display control unit 314 causes the transmitting/receiving unit 312 to transmit information for controlling the display screen of the terminal 120 according to instructions from the control unit 313 .

The storage unit 315 includes a product information storage unit 3151 that stores product information, a trading information storage unit 3152 that stores information about products being bought and sold in the transaction service provided by the server 110, and a purchase and sale information storage unit 3152 that stores information on advance payments. It includes an information storage unit 3153, a user information storage unit 3154 that stores user information, and the like.

(2) Functional configuration of the terminal
The terminal 120 includes a reception section 321 , a transmission/reception section 322 , a control section 323 , a display control section 324 , and a storage section 325 . Note that the functions or processing of each functional unit may be realized by machine learning or AI to the extent possible.

The reception unit 321 receives various operations from the user of the terminal 120.

The transmitting/receiving unit 322 transmits and receives data to and from the server 110 and the like according to instructions from the control unit 323 . Note that, for example, when the transmitter/receiver 322 logs into the server 110, the transmitter/receiver 322 connects a communication session with the server 110 using HTTPS or the like. Then, the communication address of the server 110 is stored in association with the ID of the connected communication session. Then, data is transmitted to the server 110 using the connected communication session.

The control unit 323 performs processing to utilize various services provided by the server 110, such as lease services, electronic commerce services including transaction services, payment services, and financial services.

The display control unit 324 controls the display screen of the terminal 120 based on information received from the server 110 in accordance with instructions from the control unit 323 .

The storage unit 325 stores information for using lease services etc. provided by the server 110.

<Processing of embodiment>
Hereinafter, a user who obtains a product using a lease service provided by the server 110 will be described as a user A, and a user who obtains the product using a transaction service provided by the server 110 will be described as a user B. In addition, in the example below, a case will be explained in which a product is obtained at a physical store (a store that exists in the real world), but this disclosure does not apply to an online store such as an EC (Electronic Commerce) site (online store, online shop). ) can also be used.

≪Lease start processing≫
Lease start (product purchase) processing of the communication system 1 according to the embodiment will be described with reference to FIGS. 4 to 6E. FIG. 4 is a diagram illustrating an example of a sequence of lease start processing of the communication system 1 according to the embodiment. FIG. 5A is a diagram illustrating an example of product information stored in the product information storage unit 3151 according to the embodiment. FIG. 5B is a diagram illustrating an example of trading information stored in the trading information storage unit 3152 according to the embodiment. FIG. 5C is a diagram illustrating an example of advance information stored in the advance information storage unit 3153 according to the embodiment. FIG. 5D is a diagram illustrating an example of user information stored in the user information storage unit 3154 according to the embodiment. 6A to 6E are diagrams illustrating an example of a display screen of the terminal 120 according to the embodiment. It is assumed that the terminal 120A is authenticated by the server 110 using the user A's account when communicating with the server 110.

In step S1, the reception unit 321 of the terminal 120A receives an operation from the user A to display advance information for the product selected by the user A using the lease service provided by the server 110. Subsequently, the transmitting/receiving unit 322 of the terminal 120A transmits a request to obtain product repayment information to the server 110 (step S2). The request to obtain product replacement information may include product identification information (product code) and user A's user ID. Note that the server 110 may acquire the user ID of the terminal 120A based on the communication session ID of the acquisition request received from the terminal 120A.

Here, the control unit 323 of the terminal 120A, for example, in response to the operation of the user A, photographs an image of a barcode printed on a tag (price tag) etc. attached to a product, and from the photographed image. You can also read the product code. Then, the transmitting/receiving unit 322 of the terminal 120A may transmit the read product code to the server 110. In this case, the display control unit 324 of the terminal 120A displays a message 603 prompting the user to take a picture of the barcode at "Store A" 602, which is the store specified by the user A, as shown in the example of the barcode screen 601 in FIG. 6A. An image 604, an "OK" button 605, and the like may be displayed. Then, for example, when the "OK" button 605 in FIG. 6A is pressed in step S1, the transmitting/receiving unit 322 of the terminal 120A may execute the process in step S2.

Further, the transmitting/receiving unit 322 of the terminal 120A transmits to the server 110, for example, the product code of the product specified by the user A from among the product list posted on the website of a business operator of a physical store or an online store. It's okay. In this case, the transmitting/receiving unit 322 of the terminal 120A may acquire the URL (Uniform Resource Locator) of the website from a beacon installed at the physical store or the like. Further, the transmitting/receiving unit 322 of the terminal 120A may acquire the URL of the website from the advertisement information distributed from the server 110. In the example of the website screen 602 in FIG. 6B, the display control unit 324 of the terminal 120A displays a list 613 of products sold at "store A" 612, which is a physical store or an online store designated by user A, and products. A message 614 etc. prompting the user to select is displayed. The product list 613 displays images 613A to 613D of each product. For example, when one of the images 613A to 613D of each product in FIG. 6B is selected in step S1, the transmitting/receiving unit 322 of the terminal 120A may execute the process of step S2.

Subsequently, the control unit 313 of the server 110 refers to the product information storage unit 3151 and the sales information storage unit 3152, and calculates the repayment amount for the product specified by user A (step S3). Note that the advance amount is the amount reimbursed by the business that operates the lease service for the server 110.

(Product information storage unit 3151)
In the example of FIG. 5A, the product information storage unit 3151 stores the product name, list price (yen), product description, product image, category, brand (manufacturer name), product color, and product name in association with the product code. The size and release date are memorized. The product name, list price (yen), product description, product image, brand (manufacturer name), product color, product size, and release date are the product name, list price, product description, and product related to the product code, respectively. image, brand (manufacturer name), color, size, and date the product was first released. The category is, for example, information indicating attributes of products such as ladies, babies/kids, books, and games. The information stored in the product information storage unit 3151 may be set by the business operator of the server 110, for example, based on information obtained in advance from the manufacturer of the product, the business operator of the store, and the like.

(Buy and sell information storage unit 3152)
In the example of FIG. 5B, the buying and selling information storage unit 3152 stores the seller's user ID, the buyer's user ID, transaction status, product name, price (yen), product description, and product image in association with the product ID. , category, brand, product color, product size, and transaction date and time are stored.

The product ID is identification information of a product posted by the user. The transaction status is the status related to the transaction of the product related to the product ID, for example, "on sale", "on sale", "transaction completed", "listing stopped", "cancelled by purchaser", "cancelled by operator". ” etc. may also be included. “On sale” is a state in which any user can purchase the product associated with the product ID. "Transaction in progress" is a state from when the purchaser performs a purchase operation until the product shipped by the seller reaches the purchaser and the purchaser performs an operation to complete the receipt. “Transaction completed” is a state after the purchaser performs an operation to complete the receipt. “Listing suspended” is a state in which the seller has canceled the listing. "Cancelled by purchaser" is a state in which the purchaser has canceled the purchase. “Cancelled by operator” is a state in which the administrator of the server 110 cancels the purchase by the purchaser of an illegal listing.

The product name, price (yen), product description, product image, category, brand, product color, and product size are the product name and listing related to the product ID set by the seller's user, etc., respectively. These are the sales price, product description, product image, category, brand name, color, and size specified by the person. The transaction date and time is the date and time when the purchase operation was performed by the purchaser.

Note that the control unit 313 of the server 110 stores information on listing, selling, etc. in the buying and selling information storage unit 3152 when listing, selling, etc. are performed in the transaction service provided by the server 110. shall be taken as a thing.

In the process of step S3, the control unit 313 of the server 110 refers to the buying and selling information storage unit 3152, estimates the sellable amount of the product in the transaction service provided by the server 110, and estimates the estimated sellable amount of the product in the transaction service provided by the server 110. The amount to be reimbursed for the product may be determined based on the amount.

In this case, the control unit 313 of the server 110 refers to the buying and selling information storage unit 3152, and determines whether the product is the same as the product specified by user A, or whose degree of similarity with the product specified by user A is greater than or equal to a predetermined threshold. ) The representative value of the price at which the product was purchased by the purchaser may be calculated, and the representative value may be estimated as the possible sales amount. Note that the control unit 313 of the server 110 may use, for example, an average value, a median value, or a most frequent value as the representative value. Then, the control unit 313 of the server 110 calculates a sales commission to be collected by the business operator of the server 110 when the product is sold at the representative price using the transaction service provided by the server 110. Then, the control unit 313 of the server 110 may set the amount obtained by subtracting the sales commission from the representative value as the advance amount for the product. In this case, the control unit 313 of the server 110 may round off, round up, or round down the amount so that the number of effective digits of the advance amount of the product becomes a predetermined number of digits (for example, two digits).

Note that the control unit 313 of the server 110 determines whether the product specified by user A matches the product name, brand, color, and size of the product stored in the sales information storage unit 3152. Alternatively, it may be determined that both products are the same. In addition, the control unit 313 of the server 110 may, for example, have a predetermined relationship between the product specified by the user A and the product stored in the sales information storage unit 3152 in which the category is preset, and the product name It may be determined that the degree of similarity between the two products is equal to or higher than a predetermined threshold value when at least a portion of the product and the brand match. In addition, the control unit 313 of the server 110 uses, for example, AI that has performed machine learning using deep learning, etc., based on the list price of the product, the price purchased and sold in the transaction service, the product name, brand, color, size, etc. The degree of similarity between the two products may also be calculated.

Note that the control unit 313 of the server 110 refers to the product information storage unit 3151 to obtain the type of product specified by the user A, and if the type is a predetermined type, rejects the advance payment and transfers the product to the terminal 120A. You may also send an advance rejection response to. In this case, the control unit 313 of the server 110 may determine, for example, sanitary products such as underwear as the predetermined type. Note that the predetermined type may be set in advance by a store business or a buying and selling business.

Subsequently, the control unit 313 of the server 110 stores information such as the user ID of user A, the product code, and the calculated advance amount in the advance information storage unit 3153 (step S4).

(Advance information storage unit 3153)
In the example of FIG. 5C, the advance information storage unit 3153 stores the user ID of the person eligible for advance payment, the advance amount, the product code, the issue date and time, the lease date and time, and the lease term in association with the advance ID (code ID). Ru. The replacement ID is identification information for replacement by a business operator that operates the lease service of the server 110, or identification information such as a two-dimensional code issued by the server 110 to the terminal 120A. The user ID of the person eligible for the advance payment is the user ID of the user A who is the target of the advance payment by the business operator who operates the lease service of the server 110. The product code is identification information of product information specified by user A, obtained from the terminal 120A. The product code may be, for example, information read from a barcode on a product tag. The issue date and time is, for example, the date and time when information such as the calculated advance amount was stored in the advance information storage unit 3153. The lease date and time is the date and time when user A purchased the product at the store. The lease term (an example of a "deadline for collecting the advance amount") is the deadline by which user A sells the product using the transaction service provided by the server 110 and repays the advance amount to the operator of the server 110. It is. The lease term may be, for example, a term set in advance according to the type (category) of the product. Alternatively, the lease term may be specified by user A, for example.

Subsequently, the transmitting/receiving unit 312 of the server 110 transmits a notification of the advance amount, etc. to the terminal 120A (step S5). Here, the transmitting/receiving unit 312 of the server 110 may transmit, for example, information on the advance amount and the advance ID to the terminal 120A. The transmitting/receiving unit 312 of the server 110 may also transmit the product name and image of the product selected by the user A, which are stored in the product information storage unit 3151, to the terminal 120A.

Subsequently, the display control unit 324 of the terminal 120A displays information such as the advance amount (step S6). In the example of the advance information display screen 621 in FIG. 6C, the display control unit 324 of the terminal 120A displays a message 622 including the product name and the advance amount, and the lease service of the server 110 based on information such as the advance amount received from the server 110. An explanatory text 623 explaining the conditions for using the service, a two-dimensional code 624, and a message 625 prompting the store clerk to present the code at the cash register are displayed. The explanatory text 623 of the conditions for using the lease service includes the advance amount, the lease term, and the profit (sales proceeds) obtained by selling the product through the transaction service provided by the server 110 by the lease term and deducting fees, etc. from the price. Contains text explaining that the advance amount will be repaid from It also includes text explaining conditions such as interest rates that will be incurred if the advance payment cannot be repaid by the lease term. Note that the display control unit 324 of the terminal 120A may generate and display the two-dimensional code 624 based on the advance ID included in the information such as the advance amount. Furthermore, in the example of FIG. 6C, the display control unit 324 of the terminal 120A also displays a link 626 to purchase and sale information of the product specified by the user A in the transaction service provided by the server 110. When the link 626 is pressed by the user A, the display control unit 324 of the terminal 120A may display the buying and selling information screen 631 of FIG. 6D. Here, the transmitting/receiving unit 322 of the terminal 120A transmits to the server 110 a buying and selling information acquisition request including the product code input in step S1. Then, the control unit 313 of the server 110 acquires information on the product associated with the product code from the product information storage unit 3151. Then, referring to the buying and selling information storage unit 3152, information on each product that is the same as or similar to the product specified by user A is acquired, and information such as the price and image of each product, and the representative value of the price of each product, etc. is transmitted to the terminal 120A. Then, the display control unit 324 of the terminal 120A displays each product listed in the transaction service provided by the server 110 that is the same as or similar to the product specified by the user A, as shown in the example of FIG. 6D. Display a list of products. Thereby, the user A can know at what price the product he/she is considering purchasing at the store is being sold using the transaction service provided by the server 110.

In the example of FIG. 6D, the display control unit 324 of the terminal 120A displays a representative value 362 of the amount at which products identical to or similar to the product specified by user A were bought and sold, a list of products 363, and a return icon 634. ing. In addition, the display control unit 324 of the terminal 120A displays images 641A to 646A of each product, prices 641B to 646B of each product, and marks 641C, 643C, and 644C indicating that the product has been bought and sold in the product list 363. It is displayed. Furthermore, the display control unit 324 of the terminal 120A displays an object 822 indicating that the product was purchased using a lease service provided by the server 110 in association with the product image 643A.

In the example of FIG. 6D, the price 641B at which the product in image 641A purchased without using the lease service provided by the server 110 was bought and sold is 3300 yen, and the product in image 643A was purchased using the lease service. The price at which 643B was bought and sold is 6,600 yen. Note that when the return icon 634 is pressed, the display control unit 324 of the terminal 120A displays the repayment information display screen 621 of FIG. 6C.

Subsequently, the POS terminal 140 obtains a replacement ID from the terminal 120A (step S7). Here, the POS terminal 140 may read the replacement ID from a two-dimensional code or the like displayed on the terminal 120A. Alternatively, the POS terminal 140 may acquire the replacement ID from the terminal 120A by short-range wireless communication such as NFC.

Subsequently, the POS terminal 140 transmits a payment request including information such as the price of the product and the advance ID to the server 110 (step S8).

Note that the processing from step S6 to step S7 described above is an example of a payment method in which information is read from the terminal 120 using a card reader of the POS terminal 140 using store-readable code payment or near-field wireless communication such as NFC. It is.

In the case of the user-readable code payment method, for example, the following process is performed instead of the process from step S6 to step S7 described above. First, the POS terminal 140 acquires the price of the product and a code ID associated with the user ID of the store's business operator from the server 110, and displays a two-dimensional code etc. including the code ID. Then, the control unit 323 of the terminal 120A reads the two-dimensional code, etc., and the transmitting/receiving unit 322 of the terminal 120A transmits a payment request including information such as the product price, advance ID, code ID, etc. to the server 110.

Subsequently, the control unit 313 of the server 110 subtracts the payment amount after the advance from the balance of the user A of the terminal 120A in the user information storage unit 3154 (step S9). Here, the control unit 313 of the server 110 refers to the advance payment information storage unit 3153 in FIG. 5C and obtains the advance payment amount associated with the advance payment ID included in the payment request. Then, the control unit 313 of the server 110 subtracts the amount obtained by subtracting the advance payment amount from the price of the product included in the payment request from the balance of the user A of the terminal 120A as the payment amount after the advance payment. As a result, for example, if the price of the product is 10,000 yen and the advance amount is 3,000 yen, 7,000 yen is subtracted from user A's balance.

(User information storage unit 3154)
In the example of FIG. 5D, the user information storage unit 3154 stores deposit amount (yen), sales proceeds (yen), points, bank account, and credit card information in association with the user ID. The user ID is user identification information. The deposited amount is, for example, the amount charged using a bank, credit card, store cash register, etc. (deposited amount). The sales proceeds are, for example, the total amount obtained by subtracting a commission from the price of the product, etc. when the user sells the product using the transaction service provided by the server 110. The points are, for example, points that are given to the user by the server 110 and can be used for payment. Note that one point may be used to pay for one yen. In the example of FIG. 5D, the balance, which is the amount that can be used for payment by the user, is 7,100 yen in total for user A because the deposit amount is 7,000 yen, the sales proceeds are 0 yen, and the points are 100 yen. It is a yen.

The bank account is, for example, a deposit account of the user at a bank registered by the user that is affiliated with the business operator that operates the server 110, and is a bank account in which deposits can be deposited (charged) into the balance. be. The credit card information is, for example, information on a credit card registered by the user, and is information on a credit card that can be charged to the balance.

Subsequently, the control unit 313 of the server 110 stores information on the product purchased by the user A of the terminal 120A using the advance information in the advance information storage unit 3153 (step S10). Here, the control unit 313 of the server 110 stores the lease date and time and the lease term in association with the advance ID included in the payment request received from the POS terminal 140 in the advance information storage unit 3153 of FIG. 5C. As a result, leasing to user A of the product selected by user A at the store is started. Note that the control unit 313 of the server 110 may store, for example, the current date and time when performing the process of step S10 as the lease date and time. Further, the control unit 313 of the server 110 may set the lease term to, for example, within three months from the lease date and time.

Subsequently, the control unit 313 of the server 110 pays the price of the product to the business operator of the store of the POS terminal 140 (step S11). Here, the server 110 may, for example, transfer the price of the product to the store operator's bank account, or add the price of the product to the balance of the store operator's account.

Subsequently, the transmitting/receiving unit 312 of the server 110 transmits a notification of advance payment to the terminal 120A (step S12). Subsequently, the display control unit 324 of the terminal 120A displays a notice of repayment (step S13). In the example of the advance notice display screen 651 in FIG. 6E, the display control unit 324 of the terminal 120A displays an explanatory text 652 of the repayment terms for the lease service based on the information included in the advance notice received from the server 110. There is. The explanatory text 652 of the repayment terms of the lease service may include text that explains conditions such as the advance amount, lease date and time, lease term, and interest rate that will occur if the advance amount cannot be repaid by the lease term.

≪Lease termination processing≫
Lease termination (product sale) processing of the communication system 1 according to the embodiment will be described with reference to FIGS. 7A to 6E. FIGS. 7A and 7B (hereinafter collectively referred to as "FIG. 7") are diagrams illustrating an example of a sequence of lease termination processing of the communication system 1 according to the embodiment. FIGS. 8A to 8C are diagrams illustrating an example of a display screen of the terminal 120 according to the embodiment. It is assumed that the lease start process shown in FIG. 4 described above has been performed before the process shown in FIG. 7 .

In step S21, the reception unit 321 of the terminal 120A instructs the user A to perform an operation to display a listing screen for listing the product purchased using the lease service provided by the server 110 using the transaction service provided by the server 110. Accept from. Here, the terminal 120A accepts, for example, an operation for specifying a product to be put up for sale.

Note that, for example, the transmitting/receiving unit 312 of the server 110 transmits a notification (reminder) of the lease expiration of the product leased by the user A to the terminal 120A a predetermined period (for example, one week) before the lease expiration of the product. You may. Then, the display control unit 324 of the terminal 120A may display the notification, and when the display area of the notification is pressed by the user A, the display control unit 324 of the terminal 120A may execute the process of step S22 below.

Further, the transmitting/receiving unit 322 of the terminal 120A may, for example, transmit to the server 110 a request to obtain a list of products leased by the user A. Then, the control unit 313 of the server 110 may refer to the replacement information storage unit 3153 in FIG. 5C and transmit information on the list of products leased to user A to the terminal 120A using the transmitting/receiving unit 312. Then, the transmitting/receiving unit 322 of the terminal 120A may display a list of the products, and when a product to be exhibited is selected from the list, execute the process of step S22 below.

Subsequently, the transmitting/receiving unit 322 of the terminal 120A transmits to the server 110 a request to obtain information on the product, etc. provided by the store operator or the like (step S22). Here, the acquisition request may include a repayment ID for the product specified by user A to put up for sale.

Note that the transmitting/receiving unit 322 of the terminal 120A may transmit, for example, an image of the product photographed by the user A to the server 110. Then, the control unit 313 of the server 110 recognizes the product from the received image, and identifies the received product from the images of each product leased to user A stored in the advance information storage unit 3153 in FIG. 5C. The same product may be extracted and the replacement ID of the extracted product may be obtained. Thereby, user A can put up a product purchased using the lease service by a simple operation such as taking a photo of the product.

Subsequently, the control unit 313 of the server 110 refers to the repayment information storage unit 3153 in FIG. 5C and the product information storage unit 3151 in FIG. 5A, and obtains information on the product, etc. (step S23). Here, the control unit 313 of the server 110 refers to the repayment information storage unit 3153 in FIG. 5C and acquires the product code associated with the repayment ID included in the received acquisition request. Then, the control unit 313 of the server 110 refers to the product information storage unit 3151 in FIG. 5A, and stores the product name, list price (yen), product description, product image, category, brand, etc. associated with the obtained product code. The product color, product size, and release date (hereinafter referred to as product name, etc.) are acquired. Further, the control unit 313 of the server 110 refers to the advance payment information storage unit 3153 in FIG. 5C and acquires the advance payment amount associated with the advance payment ID included in the received acquisition request. Subsequently, the control unit 313 of the server 110 sends back the acquired information on the product, etc. to the terminal 120A using the transmitting/receiving unit 312 (step S24).

Next, the display control unit 324 of the terminal 120A displays an exhibition screen for the product based on the received information about the product (step S25). Subsequently, the reception unit 321 of the terminal 120A receives a listing operation from the user A on the listing screen (step S26). In the example of the listing screen 801 in FIG. 8A, the display control unit 324 of the terminal 120A displays product images 802A to 802D, product name 803, product name 803, and product name provided by the product manufacturer, etc., based on the received product information. Information on a description 804, a category 805, and a brand 806 is set in advance and displayed. Thereby, for example, when user A purchases a product using the lease service provided by the server 110, the user A can put the product up for sale with a simple operation. Furthermore, since product descriptions and the like can be enriched, the possibility of selling at a higher price can be increased.

When user A performs a swipe operation on the listing screen 801 in FIG. 8A, the display control unit 324 of the terminal 120A displays the listing screen 811 in FIG. 8B. In the example of FIG. 8B, the display control unit 324 of the terminal 120A displays the advance amount acquired from the server 110 as the lease advance amount 814.

Note that the control unit 323 of the terminal 120A allows user A to add, delete, edit, etc. information on product images 802A to 802D, product name 803, product description 804, category 805, and brand 806 by user A's operations. It's okay. As a result, for example, user A can add text written by him/herself to the product description 804. Furthermore, for example, an image taken by the user A using the terminal 120A or the like can be added as an image of the product.

Further, in the process of step S26, when the price 812 is input by the user A on the listing screen 811 of FIG. 8B, the control unit 323 of the terminal 120A calculates and displays a sales commission 813 and a sales profit 815. Note that the sales commission 813 may be an amount that is a predetermined percentage (for example, 10%) of the price specified by user A. Further, the sales profit 815 may be a value obtained by subtracting the sales commission 813 and the lease advance amount 814 from the price 812 specified by the user A. Thereby, it is possible to inform user A that the amount obtained by subtracting the sales commission and the lease advance amount will be credited to user A's balance due to the sale of the product.

For example, when the terminal 120A receives a press operation of the "Submit" button 816 in FIG. 8B, the process proceeds to step S27. Subsequently, the transmitting/receiving unit 322 of the terminal 120A transmits the listing request to the server 110 (step S27). Here, the listing request may include a replacement ID for the product that user A has specified to put up for sale.

Subsequently, the control unit 313 of the server 110 puts up for sale the product specified by user A to put up for sale (step S28). Here, the control unit 313 of the server 110 generates a product ID in association with the received listing request, and the sales information storage unit 3152 in FIG. 5B stores listing information for the product in association with the generated product ID. Remember. Further, the control unit 313 of the server 110 causes the generated product ID to be stored in the product ID associated with the advance ID included in the listing request in the advance information storage unit 3153 of FIG. 5C. Thereby, using the product ID, it is possible to associate the exhibition information stored in the buying and selling information storage section 3152 in FIG. 5B with the advance information stored in the advance information storage section 3153 in FIG. 5C.

Note that if the product purchased by user A using the lease service is put up for sale within the lease term, the control unit 313 of the server 110 refers to the advance information storage unit 3153 in FIG. 5C and requests user A to put up the item. Get the advance payment amount for the specified product. Then, it is determined whether the sales profit 815 specified by User A is greater than or equal to the advance amount, and if it is greater than or equal to the advance amount, the product is listed, and if it is not more than the advance amount, the sales profit at the specified price is determined. A warning message may be sent to the terminal 120A indicating that the amount is not equal to or greater than the advance amount. Then, when the user A performs an approval operation on the terminal 120A, the product is put up for sale. Thereby, for example, since the price specified by user A is low, it is possible to reduce the possibility that user A will additionally pay the shortfall of the amount transferred to user A.

Subsequently, the transmitting/receiving unit 322 of the terminal 120B transmits a request to obtain information about the product to the server 110 (step S29). Here, the control unit 323 of the terminal 120B displays, for example, a list of products exhibited in the transaction service provided by the server 110 in response to an operation by the user B, and performs an operation to select a product from the list. When received from user B, the transmission/reception unit 322 transmits a request to obtain information about the product to the server 110. Note that the acquisition request may include information on the product ID of the product.

Next, the control unit 313 of the server 110 refers to the sales information storage unit 3152 in FIG. 5B and acquires information such as the product name associated with the product ID included in the received acquisition request (step S30). Subsequently, the transmitting/receiving unit 312 of the server 110 returns the acquired information such as the product name to the terminal 120B (step S31).

Subsequently, the display control unit 324 of the terminal 120B displays a screen for purchasing the product (step S32). Here, the display control unit 324 of the terminal 120B displays the purchase screen 821 of FIG. 8C based on the information acquired from the server 110. In the example of FIG. 8C, the display control unit 324 of the terminal 120B displays a product image 802A, product name 803, product description 804A, category 805, brand 806, price 812, and the like. Furthermore, in the example of FIG. 8C, the display control unit 324 of the terminal 120B displays an object (mark, icon, illustration, image) 822 indicating that the product was purchased using the lease service provided by the server 110. I'm letting you do it. As a result, user B knows that the product to which the object 822 has been added is a product that was purchased new using the leasing service provided by the server 110 and will be sold within a predetermined period of time after purchase. Can be done. Therefore, for example, a user who does not want to purchase a second-hand product that has been used by multiple consumers, or a product that has deteriorated after a relatively long period of time has passed, may purchase a product that has the object 822 attached. All you have to do is purchase. Therefore, it is possible to increase the possibility that a product to which the object 822 is added will be sold at a relatively high price.

Note that when the purchase screen 821 in FIG. 8C is swiped, the display control unit 324 of the terminal 120B moves the background display screen vertically and displays it, but the display position of the object 822 does not change even after the swipe operation. It may be displayed fixedly without being moved. As a result, for example, when an unauthorized user puts up an item for sale using an image of a product in which the object has been combined, a user considering purchasing the item can determine that the combined image is fraudulent. Note that the display control unit 324 of the terminal 120B may also display the object 822 in association with the product image 802A based on the information acquired from the server 110 on the product list display screen as shown in FIG. 6D. .

Subsequently, the reception unit 321 of the terminal 120B receives an operation for purchasing the product from the user B (step S33). Here, the receiving unit 321 of the terminal 120B receives from the user B the pressing operation of the "Proceed to purchase procedure" button 827 in FIG. 8C.

Subsequently, the transmitting/receiving unit 322 of the terminal 120B transmits a purchase request for the product to the server 110 (step S34). Note that the purchase request may include information on the product ID of the product.

Subsequently, the transmitting/receiving unit 312 of the server 110 transmits a purchase notification for the product to the terminal 120A (step S35). Note that the control unit 313 of the server 110 changes the transaction status of the product from "on sale" to "transaction" in the buying and selling information storage section 3152 of FIG. 5B, and enters the user ID of the purchaser of the product. The user ID of user B is stored in .

Subsequently, the display control unit 324 of the terminal 120A displays a purchase notification for the product (step S36). User A then ships the product using a courier service or the like. The product is then delivered to user B.

Subsequently, the receiving unit 321 of the terminal 120B receives an operation for confirming arrival from the user B (step S37). Subsequently, the transmitting/receiving unit 322 of the terminal 120B transmits an arrival confirmation notification including the product ID to the server 110 (step S38).

Subsequently, the control unit 313 of the server 110 subtracts the price of the product from the balance of user B (step S39). Here, the control unit 313 of the server 110 refers to the buying and selling information storage unit 3152 in FIG. 5B and acquires the user ID and price of the user B who is the purchaser of the product. Then, the user information storage unit 3154 subtracts the price from the user B's balance. Further, the control unit 313 of the server 110 changes the transaction status of the product from “transaction in progress” to “transaction completed” in the trading information storage unit 3152 of FIG. 5B.

Subsequently, the control unit 313 of the server 110 collects the advance amount and sales commission for the product (step S40). Here, the control unit 313 of the server 110 refers to the repayment information storage unit 3153 in FIG. 5C, obtains the repayment amount for the product, and collects the obtained repayment amount.

Subsequently, the control unit 313 of the server 110 stores the amount obtained by subtracting the advance amount and sales commission from the price of the product sold using the transaction service provided by the server 110 in the user information storage unit 3154. It is added to the balance of A (step S41). For example, if the price is 5000 yen, the advance amount is 3000 yen, and the sales commission is 500 yen, the control unit 313 of the server 110 adds 1500 yen (=5000-3000-500) to user A's balance. Deposit (add) money. Further, the control unit 313 of the server 110 determines that, for example, if the price is 2000 yen, the sales commission is 200 yen, and the advance amount is 3000 yen, the amount after deduction (remaining amount) is -1200 (=2000- 3000-200) yen, which is a negative value, so 1200 yen is collected (subtracted) from user A's balance. In this case, the control unit 313 of the server 110 controls, for example, the bank account of the user A stored in the user information storage unit 3154, the balance of the user A stored in the user information storage unit 3154, and the user A in the deferred payment service. It may be collected from the balance. Note that the deferred payment service is, for example, a deferred payment service in the payment service provided by the server 110, and for example, it is combined with the purchase price of the product in the transaction service provided by the server 110, and is paid until the end of the next month. It may also be a service that allows payment in a lump sum within a predetermined period. As a result, even if the user sells a product at such a low price that the user cannot pay the advance amount, the user can pay the remaining amount of the advance amount out of money other than the price of the product.

In addition, the control unit 313 of the server 110 controls the priority set for each of the collection source balances of the deposit balance of the bank account of the user A, the balance of the transaction service of the user A, and the balance of the user A in the deferred payment service, for example. Based on the rate, the amount may be reduced in order until the remaining amount reaches a negative value. In this case, if the balance of the first collection source with the highest priority is less than the remaining amount, the entire amount of the first collection source balance is collected, and the remaining amount and the first collection source balance are collected from the second collection source balance with the next highest priority. The difference between the amount collected from the balance will be collected. If the second collection source balance is less than the difference, the full amount of the second collection source balance is collected, and the amount collected from the third collection source balance, which has the next highest priority, is the difference and the second collection source balance. The difference will be collected. In this case, for example, for user A, the bank account priority is 1 (high), the transaction service balance priority is 2 (medium), and the deferred payment service balance priority is 3 (low). shall be. If the difference is -1,200 yen, the bank account balance is 1,000 yen, user A's balance is 0 yen, and user A's balance in the deferred payment service is 10,000 yen, then the bank account 1000 yen may be collected from the deposit balance, and 200 yen may be collected from the balance of user A in the deferred payment service. Note that the control unit 313 of the server 110 may set the priority for each balance based on user A's setting operation. Alternatively, the control unit 313 of the server 110 may determine the priority for each balance based on the collection rate of the difference for user A in a predetermined period. Alternatively, the control unit 313 of the server 110 may determine the priority for each balance based on the collection rate of the difference for each user attribute. Further, if multiple bank accounts are associated with user A, the control unit 313 of the server 110 may subtract the amount from the deposit balance of each bank account in the order according to the priority determined for each bank account. . Note that the bank account that the control unit 313 of the server 110 determines as having a high priority may be a bank account with a large balance compared to other bank accounts, or may be a bank account that has been used by user A recently. Alternatively, it may be a bank account to which sales from the transaction service were recently transferred.

In addition, if the product purchased by user A using the lease service is not listed or sold in the transaction service provided by the server 110 within the lease term, the control unit 313 of the server 110 will request that the user A refund the advance amount for the product. In addition, a predetermined fee may be collected. In this case, the control unit 313 of the server 110 may determine a predetermined annual interest rate (for example, 5% per year) for the advance amount and lease term as the fee. Alternatively, a predetermined amount (for example, 500 yen) may be determined as the fee. Then, the control unit 313 of the server 110 may collect the amount from the user A's balance, as in the case where the difference obtained by subtracting the sales commission and advance amount from the price of the product described above is a negative value. As a result, for example, if User A wants to buy a product because he likes it, if he is unable to list the product due to loss or damage, or if the User forgets to list the product, the user will be charged a fee. You can also choose not to list it by paying .

Note that when a product purchased using a lease service is sold using a transaction service, the transmitting/receiving unit 312 of the server 110 sends a message to the business operator of the store that sold the product that the product was purchased using the transaction service. A notification may be sent indicating that the item has been sold. Furthermore, when a product purchased using a lease service is sold using a transaction service, the transmitting/receiving unit 312 of the server 110 transmits an electronic coupon that can be used at the store that sold the product to the terminal 120A. It's okay. Thereby, for example, the user A who sells the product and has fewer products on hand can be encouraged to purchase other products at the store.

Furthermore, when a product purchased using a lease service is sold using a transaction service, the transmitting/receiving unit 312 of the server 110 transmits a product related to the product that is sold at the store that sold the product. may be sent to the terminal 120A. Thereby, for example, the user A who sells the product and has fewer products on hand can be encouraged to purchase related products at the store.

An example of processing in the embodiment will be described below. The processing of each embodiment below can also be executed in combination with the processing of other embodiments.

<<First Example>>
In the first embodiment, user A's creditworthiness is determined based on at least one of user A's personal information and usage history of various services provided by the server 110, the deadline for collecting the advance amount, and purchasing products at a store. In this embodiment, the advance amount is determined based on at least one of the following: a predetermined percentage of the amount of the purchase price, etc. According to the first embodiment, for example, the advance amount can be determined appropriately.

<<Processing of the first embodiment>>
In step S3 of FIG. 4, the control unit 313 of the server 110 may determine the advance amount as follows, for example.

The control unit 313 of the server 110 may, for example, determine an amount that is a predetermined percentage (for example, 30%) of the price when purchasing a product at a store as the advance amount. In this case, for example, if the price is 10,000 yen, the control unit 313 of the server 110 may set the advance amount to 3,000 yen, which is 30% of the price. In this case, the control unit 313 of the server 110 refers to the buying and selling information storage unit 3152 to find products that are the same as the product specified by user A or whose similarity to the product specified by user A is greater than or equal to a predetermined threshold. A representative value of the purchase price by the purchaser may be calculated, and the representative value may be estimated as the possible sales amount. Note that the control unit 313 of the server 110 may use, for example, an average value, a median value, or a most frequent value as the representative value. Then, the control unit 313 of the server 110 may reject the advance and send a response to reject the advance to the terminal 120A if the difference between the estimated salesable amount and the determined advance amount is greater than or equal to a predetermined threshold. .

Further, the control unit 313 of the server 110 may determine the advance amount based on the lease term, for example. In this case, the control unit 313 of the server 110 may determine, for example, that the longer the lease term is, the lower the advance amount will be. In this case, for example, if the lease term is 3 months, 30% of the price may be determined, and if the lease term is 6 months, 20% of the price may be determined as the advance amount. This is because it is considered that the shorter the period of time since a product was purchased, the more likely it is to be in good condition, and the more likely it is to be traded at a higher price than if the product is in poor condition.

Further, the control unit 313 of the server 110 may determine the credit score of the user A based on the user A's personal information, and may determine the higher the advance amount as the determined credit score is higher. In this case, the control unit 313 of the server 110 may determine user A's credibility based on, for example, annual income, occupation, etc. In this case, the control unit 313 of the server 110 may determine, for example, that if the occupation is a company employee, civil servant, etc., the credit rating is higher than if the person is unemployed.

Further, the control unit 313 of the server 110 may determine the credit score of the user A based on the usage history of various services provided by the server 110, and may determine the higher the amount of advance payment as the determined credit score is higher. In this case, the control unit 313 of the server 110 determines that the credit score of the user A is higher, for example, the higher the frequency of completion of payment of the advance amount in the lease service, and the larger the total amount of the advance payment completed. You may.

Further, in this case, the control unit 313 of the server 110 may determine the creditworthiness of the user A based on, for example, the sales history in the transaction service. In this case, the higher the price of each product sold by user A in the transaction service (sales price in the transaction service) is, the higher the price (sales price in the transaction service) of each product sold by user A in the transaction service, the more the user A's credibility may be determined to be high. Thereby, it is possible to set a high advance amount for a user who can sell a product purchased at a store using the lease service at a relatively high price using the transaction service.

Further, the control unit 313 of the server 110 may determine the amount of advance payment based on each advance amount calculated by each method described above, for example. In this case, the control unit 313 of the server 110 may, for example, determine the representative value of each advance amount calculated by each method described above as the advance amount. Note that the control unit 313 of the server 110 may use, for example, an average value, a median value, or a most frequent value as the representative value.

Regarding the above description, the following items are further disclosed.
(Additional note 1)
The information processing device
A process of receiving information on a first price for a first product that the first user obtains at a store;
a process of paying an advance amount, which is at least a portion of the first price, to the first user and to the business operator of the store;
An information processing method that performs a process of collecting the advance amount from a second price when the first product is sold by the first user through a transaction service.
(Additional note 2)
The payment process is
The information processing method according to supplementary note 1, wherein an amount obtained by subtracting the advance amount from the first price is reduced from the balance of the first user, and the first price is paid to a business operator of the store.
(Additional note 3)
The processing to collect the above is as follows:
The information processing method according to supplementary note 1 or 2, wherein an amount obtained by subtracting the advance amount from the second price is added to the balance of the first user.
(Additional note 4)
a credit score of the first user according to at least one of the first user's personal information and a usage history of the service provided by the information processing device; and a deadline for collecting the advance amount from the second fee; The information processing method according to any one of Supplementary Notes 1 to 3, wherein the process of determining the advance amount is performed based on at least one of a predetermined proportion of the first price.
(Appendix 5)
The difference between the advance amount and the sellable amount of the first product estimated based on the price at which a second product that is the same as the first product or whose similarity is equal to or higher than a predetermined threshold in the transaction service is traded. Supplementary Notes 1 to 4, wherein the process of rejecting the advance payment amount is executed in at least one of the following cases: when the amount is equal to or higher than a predetermined threshold value, and when the type of the first product is a predetermined type. The information processing method according to any one of the items.
(Appendix 6)
Any one of Supplementary Notes 1 to 5, which executes the process of determining the advance amount based on the price at which a second product that is the same as the first product or whose degree of similarity is equal to or higher than a predetermined threshold is traded in the transaction service. Information processing method described in Section.
(Appendix 7)
From Supplementary Note 1, when information on the first product is received from a first information processing terminal associated with the first user, a process of transmitting information on the advance amount to the first information processing terminal is executed. 6. The information processing method according to any one of 6.
(Appendix 8)
The information processing method according to appendix 7, wherein the information on the first product is a product code read from a barcode of the first product.
(Appendix 9)
The sending process is as follows:
Supplementary Note 7 or 8, wherein information that causes a second information processing terminal of the store to read a code and display a code associated with the advance amount is transmitted to the first information processing terminal. information processing methods.
(Appendix 10)
The sending process is as follows:
In the transaction service, the first information processing terminal displays information that displays at least one of a representative value of each price at which each product whose similarity with the first product is equal to or greater than a predetermined threshold is sold, and each price. The information processing method according to any one of appendices 7 to 9, wherein the information processing method is transmitted to.
(Appendix 11)
When the first user obtains the first product at the store, at least one of the image, brand, description, color, and size of the first product obtained from the first user and the business operator of the store. a process of associating and storing product information including
Any one of Supplementary Notes 1 to 10, wherein when the first product is put up for sale by the first user in the transaction service, the process of putting the first product up for sale using the product information associated with the first user is performed. Information processing method described in Section.
(Appendix 12)
When the first product is put up for sale by the first user on the transaction service, information for displaying a predetermined object indicating that the first product was purchased using the advance payment service is displayed in association with the first product. 12. The information processing method according to any one of Supplementary Notes 1 to 11, wherein the information processing method executes a process of transmitting to a third information processing terminal associated with two users.
(Appendix 13)
a receiving unit that receives information on a first price for a first product that the first user obtains at a store;
a process of paying an advance amount, which is at least a portion of the first price, to the first user and to the business operator of the store;
An information processing apparatus comprising: a control unit that executes a process of collecting the advance amount from a second price for selling the first product through a transaction service by the first user.
(Appendix 14)
In the information processing device,
A process of receiving information on a first price for a first product that the first user obtains at a store;
a process of paying an advance amount, which is at least a portion of the first price, to the first user and to the business operator of the store;
A program that executes a process of collecting the advance amount from a second price for selling the first product through a transaction service by the first user.
(Appendix 15)
information processing terminal,
A process of acquiring identification information associated with a first product that the first user obtains at a store;
a process of displaying information on a first price for the first product;
a process of displaying an advance amount that is an amount paid by a person other than the first user and is at least a part of the first price;
A program that executes, in response to an operation by the first user, a process of displaying an amount obtained by subtracting the advance amount from a second price for trading the first product using a transaction service.
(Appendix 16)
an acquisition unit that acquires identification information associated with a first product that the first user obtains at a store;
a process of displaying information on a first price for the first product;
a process of displaying an advance amount that is an amount paid by a person other than the first user and is at least a part of the first price;
an information processing terminal having a display control unit that executes a process of displaying an amount obtained by subtracting the advance amount from a second price for trading the first product in a transaction service in response to an operation by the first user; .
(Appendix 17)
The information processing terminal
A process of acquiring identification information associated with a first product that the first user obtains at a store;
a process of displaying information on a first price for the first product;
a process of displaying an advance amount that is an amount paid by a person other than the first user and is at least a part of the first price;
An information processing method for displaying, in response to an operation by the first user, an amount obtained by subtracting the advance amount from a second price for trading the first product using a transaction service.
(Appendix 18)
The information processing device
A process of storing in association with the first user an advance amount paid to the business operator of the store, which is at least a part of the first price of the product that the first user obtains at the store;
An information processing method that executes a process of collecting at least a part of the advance amount from the first user when a predetermined time limit has passed since the first user obtained the product.
(Appendix 19)
The collection process is as follows:
The information processing method according to appendix 18, wherein at least a part of the advance amount is collected from a second price, which is the amount for which the product was sold through a transaction service within the predetermined period.
(Additional note 20)
When the product is listed by the first user on the trading service within the predetermined period, if the sales profit of the product specified by the first user is not equal to or greater than the advance amount, the sales profit based on the specified price of the product is The information processing method according to supplementary note 18, which executes a process of transmitting a message indicating that the amount is not more than the advance amount to a first information processing terminal associated with the first user.
(Additional note 21)
The collection process is as follows:
21. The information processing method according to appendix 19 or 20, wherein a predetermined fee is collected if the product is not listed or sold by the first user in the transaction service within the predetermined time limit.
(Additional note 22)
The collection process is as follows:
22. The information processing method according to any one of appendices 19 to 21, wherein if the remaining amount that is at least a part of the advance amount cannot be collected from the second payment, the remaining amount is collected from a source other than the second payment.
(Additional note 23)
The collection process is as follows:
The information processing according to appendix 22, wherein the remaining amount is collected from at least one of the deposit balance of the first user's bank account, the first user's balance in the transaction service, and the first user's balance in the deferred payment service. Method.
(Additional note 24)
The collection process is as follows:
Supplementary note, based on a predetermined priority, the remaining amount is collected from the deposit balance of the first user's bank account, the first user's balance in the transaction service, or the first user's balance in the deferred payment service. 23. The information processing method described in 23.
(Additional note 25)
The collection process is as follows:
When the first balance with the highest priority among the deposit balance of the first user's bank account, the balance of the first user in the transaction service, and the balance of the first user in the deferred payment service is less than the remaining amount. , the information processing method according to appendix 24, wherein the entire amount of the first balance is collected, and the difference between the remaining amount and the amount collected from the first balance is collected from the second balance having the next highest priority.
(Additional note 26)
26. The information processing method according to any one of appendices 18 to 25, which executes a process of determining the advance amount based on the credit score of the first user.
(Additional note 27)
A process of storing in a storage unit an advance amount paid to a business operator of the store, which is at least a part of the first price of the product purchased by the first user at the store, in association with the first user;
An information processing device comprising: a control unit that executes a process of collecting at least a part of the advance amount from the first user when a predetermined time limit has passed since the first user purchased the product.
(Additional note 28)
In the information processing device,
A process of storing at least a part of the first price of a product purchased by a first user at a store, an advance amount paid to a business operator of the store, in association with the first user;
A program that executes a process of collecting at least a part of the advance amount from the first user when a predetermined time limit has passed since the first user purchased the product.

100 Communication system 110 Server 311 Reception section 312 Transmission and reception section 313 Control section 314 Display control section 315 Storage section 3151 Product information storage section 3152 Buying and selling information storage section 3153 Advance information storage section 3154 User information storage section 120 Terminal 321 Reception section 322 Transmission and reception section 323 Control unit 324 Display control unit 325 Storage unit

Claims (12)

The information processing device
subtracting an amount obtained by subtracting an advance payment amount, which is at least a part of the amount, from the amount of the product purchased by the user from the user's account at the time of processing the purchase of the product ;
a process of subtracting the advance amount from the user's account when a predetermined period of time has passed since the user purchased the product or when the product has been sold by the user;
An information processing method that performs. The information processing method according to claim 1, wherein the advance amount is determined based on the user's sales history. The information processing method according to claim 1, wherein the advance amount is determined based on the credit rating of the user. The information processing device
The information processing method according to any one of claims 1 to 3, further comprising performing a process of paying the amount of the product to a seller of the product. The information processing according to any one of claims 1 to 4, wherein when the product is sold by the user, an amount obtained by subtracting at least the advance amount from the sales amount of the product is added to the user's account. Method. 6. According to any one of claims 1 to 5, when information on the product is received from an information processing terminal associated with the user, a process of transmitting information on the advance amount to the information processing terminal is executed. Information processing method described. In a case where the product is sold by the user and the sales profit of the product is less than the advance amount, a message is sent to the effect that the sales profit of the product is less than the advance amount. 7. The information processing method according to any one of 1 to 6. The information processing method according to any one of claims 1 to 7, wherein interest based on the advance amount is associated with the user after the predetermined period has elapsed. The information processing device
When the product purchased by the user is put up for sale, information that displays a predetermined object indicating that the product was purchased using the advance payment service is displayed in association with the product and other users The information processing method according to any one of claims 1 to 8, wherein the information processing method executes a process of transmitting the information to an information processing terminal. The information processing device
Accepting a payment request from a terminal installed in a store, and executing a process of subtracting an amount obtained by subtracting an advance amount, which is at least a portion of the amount, from the amount of the product purchased by the user, from the user's account. The information processing method according to any one of claims 1 to 9. subtracting an amount obtained by subtracting an advance payment amount, which is at least a part of the amount, from the amount of the product purchased by the user from the user's account at the time of processing the purchase of the product ;
a control unit that executes a process of subtracting the advance amount from the user's account when a predetermined period of time has passed since the user purchased the product or when the product has been sold by the user. , information processing equipment. subtracting an amount obtained by subtracting an advance payment amount, which is at least a part of the amount, from the amount of the product purchased by the user from the user's account at the time of processing the purchase of the product ;
causing the information processing device to execute a process of subtracting the advance amount from the user's account when a predetermined period of time has passed since the user purchased the product or when the product has been sold by the user; program.

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