TW202025067A - Order checkout device, recording medium and order checkout method capable of simplifying order checkout and improving user convenience - Google Patents

Abstract

Provided are an order checkout device, a recording medium, and an order checkout method, which can simplify order checkout and improve user's convenience. The order checkout device (50) includes: an identification information obtaining unit (52) that obtains user identification information including a telephone number from a terminal device (10) of a user who has accessed an online store; an order data obtaining unit (52) that obtains order data of the user; and an authentication information obtaining unit (52) that obtains authentication information for performing authentication from the terminal (10) by using the obtained telephone number; and a determination unit (54) that determines whether or not the user can make an order checkout from the obtained order data.

Description

Order checkout device, recording medium and order checkout method

The invention relates to an order checkout device, a recording medium and an order checkout method.

With the development of security technology including Internet technology and encryption technology, the number of online shopping users using personal computers or smartphones is increasing. For example, JP 2006-302311 discloses an online shopping system. The authentication number used by the online shopping system cannot be used once it is used once.

However, in online shopping systems like JP 2006-302311, the payment for the purchase amount is mostly done by credit card or cash on delivery.

Therefore, users who do not hold a credit card have the inconvenience that they cannot shop online. In addition, it is inconvenient for users to stay at home for cash on delivery.

The present invention is made in view of this situation, and aims to provide an order checkout device, a recording medium and an order checkout method, which can simplify the order checkout and improve the convenience of users.

The order checkout device according to the embodiment of the present invention includes: an identification information acquisition unit that acquires user identification information including a phone number from a terminal device of a user who accesses the online store; and an order data acquisition unit that acquires the user identification information The authentication information acquisition unit uses the phone number obtained by the identification information acquisition unit to obtain the authentication information for authentication from the terminal device; and the judgment unit uses the order data obtained by the order data acquisition unit, Determine whether the user's order can be checked out.

The computer related to the embodiment of the present invention can read a non-transitory recording medium and record a computer program that is executed by the computer: obtain user identification information including a phone number from the terminal device of the user who accesses the online store The processing; the processing of obtaining the user's order information; the processing of obtaining the authentication information from the terminal device using the obtained phone number; and the use of the obtained order data to determine whether the user's order checkout is acceptable的处理。 Treatment.

The order checkout method of the embodiment of the present invention includes: obtaining user identification information including a phone number from the terminal device of the user accessing the online store; obtaining the user's order data; using the obtained phone Number, the authentication information obtained from the terminal device; and using the obtained order data to determine whether the user’s order checkout is acceptable.

According to the present invention, the order checkout can be simplified, and the convenience of the user can be improved.

Hereinafter, embodiments of the present invention will be described based on the drawings. Fig. 1 is a block diagram showing an example of the configuration of the order checkout system of this embodiment. The order checkout system has an order checkout server 50, and the order checkout server 50 serves as an order checkout device. The order checkout server 50 is connected to the network 1, and the network 1 includes the Internet. The order checkout server 50 is connected to the review engine server 40. The examination engine server 40 includes a learning model 41 and a phone number verification unit 42. In addition, the network 1 is connected to a user's terminal device 10, a network server 20, and an enterprise server 30. In addition, for convenience, only one terminal device 10 is shown in the example in FIG. 1. However, the terminal device 10 is not limited to one.

The terminal device 10 includes, for example, a smart phone (mobile phone), a notebook personal computer, or a tablet computer. The terminal device 10 includes a control unit 11 that controls the entire device, a communication unit 12, a storage unit 13, a display screen 14, and an operation unit 15. The control unit 11 may be composed of a CPU (Central Processing Unit), ROM (Read Only Memory), RAM (Random Access Memory), and the like. In addition, an interface function is provided between the control unit 11 and the enterprise server 30.

The communication unit 12 has the function of communicating with the network server 20, the order check server 50, and the enterprise server 30 through the network 1, and can perform the transmission and reception of necessary information.

The storage unit 13 is composed of a hard disk or flash memory, etc., and stores application programs (not shown) such as a web browser.

The display screen 14 may be composed of a liquid crystal panel, an organic EL (Electro Luminescence) display, or the like. The operation unit 15 may be constituted by a touch panel embedded in the display screen 14 and can accept a predetermined operation performed by the user on the display screen 14. In addition, the operation unit 15 may accept operations on the keyboard displayed on the display screen 14. In addition, the operation unit 15 may be a hardware keyboard, a mouse, or the like.

The web server 20 provides an online store (website), and the online store is provided by an enterprise (for example, a seller of goods) that uses the enterprise server 30. In the example in Figure 1, product a, product b... are displayed in online store A (a virtual store on the web page). The user can use the terminal device 10 to access an online store to purchase goods.

The enterprise server 30 has an order management function. For example, it is possible to perform storage of order history, delivery processing of goods, etc.

The order checkout server 50 includes a control unit 51 that controls the entire server, a communication unit 52, a storage unit 53, a judgment unit 54 and a checkout execution unit 55. The control unit 51 may be constituted by a CPU, ROM, RAM, and the like.

The communication unit 52 has a function of communicating with the terminal device 10, the network server 20, and the enterprise server 30 through the network 1, and can perform the transmission and reception of necessary information.

The communication unit 52 has a function as an identification information acquisition unit, and acquires user identification information including a telephone number from the terminal device 10 of the user who accesses the online shop of the web server 20. In addition to the phone number (for example, mobile phone number), the user identification information can also be set as the user's email address.

The communication unit 52 has a function as an authentication information obtaining unit, and obtains an authentication code (authentication information) for authentication from the terminal device 10 using the user's phone number. For example, the authentication code can be sent to the user's mobile phone, and the terminal device 10 sends the delivered authentication code to perform user authentication. At this time, the user does not need to log in the credit card in advance or enter the credit card information, which can improve the user's convenience. In addition, the user does not need to use a password, but an authentication code is issued each time it is used, so convenience can be improved without loss of security.

The communication unit 52 has a function as an order data acquisition unit, and after acquiring user identification information, acquires the user's order data. The order data is not only the current order data, but also the user's past order data (order history data). The order information for this time can be obtained from the web server 20. For example, the order history data can be extracted based on the user's account information on the online store, etc., for example, it can be obtained from the enterprise server 30. The order information can be used to verify the user's order.

More specifically, the information exchange between the order checkout server 50 and the terminal device 10 that accesses the online store can be performed in the following manner. In other words, import the checkout application that the company prepares to operate on the payment page of the online store in advance. The user can send the necessary information of the checkout application to the order checkout server 50 corresponding to the operation on the online store performed through the terminal device 10. In addition, after the information necessary for the order checkout server 50 is transmitted to the checkout application, the information is output to the terminal device 10 or displayed on the terminal device 10.

The judging unit 54 uses the acquired order data to judge whether the user's order checkout is possible. For example, based on the situation related to the user's order, it can be determined that the order can be settled when there is no problem with the user's payment situation. In addition, it can be determined that the order cannot be settled when there is no payment. In this way, for example, the user only needs to enter a phone number (mobile phone number), an email address, and an authentication code to complete the order checkout, which improves the convenience of the user. The details of the method of determining whether the order checkout is acceptable will be described later.

The storage unit 53 is composed of a hard disk, flash memory, etc., and stores a computer program that determines the processing sequence of the order check server 50 and the order history DB 531.

The checkout execution unit 55 executes payment processing of the order amount, payment processing, etc. The details of payment processing and payment processing will be described later.

Fig. 2 is an explanatory diagram showing the first example of the procedure of the order checkout system of this embodiment. The first example indicates a normal (only once) checkout situation. The following describes the procedures P1 to P13.

In the procedure P1, the user uses the terminal device 10 to access the online store, decides to purchase goods, and starts the checkout.

In the procedure P2, the display screen 14 of the terminal device 10 displays a phone number and email address input screen. After the user inputs the phone number and email address, the terminal device 10 obtains the input phone number and email address.

In the procedure P3, the terminal device 10 transmits the input phone number and email address to the order check server 50.

In the procedure P4, the order checkout server 50 obtains order information.

In the procedure P5, the order checkout server 50 obtains the user's order history data. Here, the order data is the current order data; the order history data is the past order data, but it can also include order history data as order data.

In the procedure P6, the order checkout server 50 transmits the authentication code to the terminal device 10 via SMS (Short Message Service). In addition, in the example in FIG. 2, the authentication code is transmitted to the terminal device 10, but it may be transmitted to a mobile phone other than the terminal device 10.

In the procedure P7, the display screen 14 of the terminal device 10 displays the authentication code input screen. When the user inputs the authentication code, the terminal device 10 obtains the input authentication code.

In the procedure P8, the terminal device 10 transmits the entered authentication code to the order checkout server 50.

In the procedure P9, the order checkout server 50 determines whether the order checkout is possible based on the order data (including order history data).

In the procedure P10, when it is determined that the order can be settled, the order checkout server 50 transmits the checkout data to the enterprise server 30.

In the procedure P11, the enterprise server 30 executes the checkout completion after executing the commodity sending process; in the procedure P12, the enterprise server 30 transmits the checkout completion notice to the order checkout server 50. In this way, the order checkout server 50 advances the user's order amount (order amount) on behalf of the user and pays it to the enterprise.

In the procedure P13, the order checkout server 50 aggregates the user's order amount for a predetermined period (for example, 1 month) and executes the payment (1 payment).

FIG. 3 is a schematic diagram illustrating the first example of the input screen 100 displayed on the display screen 14 of the terminal device 10. The input screen 100 displays an area 101 where the user has decided to purchase a product, an area 102 where a phone number is input, an area 103 where an email address is input, and a payment icon 104. The input screen 100 is displayed based on the product that the user decides to purchase, and the payment start operation is performed on a screen that is not drawn. The area 101 displays the name of the store where the user purchased the product (online store A in the example), the name of the store, the amount of money, etc. After the user enters his phone number and email address, if he operates the payment icon 104, the input screen 110 described later will be displayed.

FIG. 4 is a schematic diagram showing a second example of the input screen 110 displayed on the display screen 14 of the terminal device 10. In addition to the area 101, the input screen 110 also displays an area 111 where the authentication code is input. The authentication code is sent via SMS to the mobile phone (or the terminal device 10) of the phone number (XXXX in the example) input on the input screen 100.

FIG. 5 is a schematic diagram showing an example of the checkout determination result screen 120 displayed on the display screen 14 of the terminal device 10. When the order checkout server 50 determines that the order can be settled based on the user's order data, the checkout determination result screen 120 is displayed. In this way, the user only needs to enter a phone number (mobile phone number), an email address, and an authentication code to complete the order checkout, which improves the user's convenience. In addition, the screens shown in FIGS. 3 to 5 are just examples, and are not limited to these screens.

Next, the method of determining whether the order checkout is possible based on the order data will be described. First, explain the order information.

Figure 6 is an explanatory diagram showing an example of the content of the order document. As shown in Figure 6, the order data includes: the shop name of the online store, this order information, user information, the user's address (the address of the place where the goods are delivered), and resume information. This order information includes the product ID, the number of the product, the name of the product, and the unit price of the product. User information, including name, phone number, and email address. The history information includes the elapsed days since the account was created in the store, the total number of orders from the start of the transaction to the present, the total amount of orders from the start of the transaction to the present, the amount of the last order, and the number of elapsed days since the last order. As shown in Fig. 6, order data can be recorded in the order history DB 531 for each user. Using the order data, it is possible to verify the situation related to the user's order. In addition, the content of the order data is not limited to the example shown in Fig. 6.

Next, a method for determining whether or not an order is settled using the user's phone number will be described.

The determination unit 54 outputs the user's phone number in the order data to the review engine server 40. The phone number verification unit 42 of the review engine server 40 has a phone number usage history database, searches the usage history database, and specifies the phone number usage history output from the order check server 50. The phone number verification unit 42 outputs the specified usage history to the order checkout server 50.

The determination unit 54 has a function as a usage history acquisition unit, and acquires the usage history of the user's telephone number in the order data from the audit engine server 40. The history of the use of the telephone number includes, for example, the elapsed period from the start of the use of the telephone number to the present, or the number of uses, etc. The usage history can be obtained by using, for example, the usage history database of telephone numbers.

The determination unit 54 can determine whether or not the user's order checkout is possible based on the use history of the telephone number.

Figure 7 is an explanatory diagram showing the first example of the method of determining whether an order is settled. As shown in Figure 7, for example, when the use period of the phone number (the elapsed period from the start of use to the present) is more than 6 months, regardless of the amount of this order, it is determined that the order can be settled. In addition, when the phone number is used for more than 3 months (less than 6 months), if the amount of this order is less than 10,000 yen, it will be judged that the order can be settled. In addition, when the phone number is used for more than 1 month (less than 3 months), if the amount of this order is less than 5,000 yen, it will be judged that the order can be settled. It can be judged that the order cannot be settled when the usage period of the phone number is less than one month. In addition, the example in Fig. 7 is just one example, and the period and amount of money are not limited to the example in Fig. 7.

As mentioned above, when the elapsed time from the beginning of the use to the present is very short, or when the phone number has not been used even once, it is considered that the possibility of illegal use or counterfeiting is high, and it is determined that the order cannot be checked out. . In this way, the convenience of the user can be improved, and at the same time the suitability of the order checkout can be appropriately determined.

Next, the method of determining whether the order checkout using the user's address is acceptable or not will be described.

The determining unit 54 may determine whether the user's order checkout is possible based on the existence of the user's address or the change of the address.

Fig. 8 is an explanatory diagram showing the second example of the method of determining whether an order is settled. As shown in Figure 8, for example, when the user's address does not really exist, it can be determined that the order cannot be settled. In addition, when the user's address has been changed twice in the past 6 months, it can be determined that the order cannot be settled. In addition, when the user's address has not been changed in the past one year or more, it can be determined that the order can be settled. In addition, the example in Fig. 8 is one example, and is not limited to the example in Fig. 8.

As described above, when the user's address is an address that does not really exist (however, when the address of the delivery place does exist), the user's credit rating can be regarded as low, and the order can be judged as unchecked. In addition, even when the user's address is changed within a relatively short period of time, it can be considered that the user's credit rating is low, and it is determined that the order cannot be settled. In this way, the convenience of the user can be improved, and at the same time the suitability of the order checkout can be appropriately determined.

Next, the method for determining whether the order checkout using the user's unpaid information is acceptable or not will be explained.

The determining unit 54 may determine whether the user's order checkout is possible based on the unpaid information of the order.

Figure 9 is an explanatory diagram showing the third example of the method of determining whether an order is settled. As shown in Figure 9, for example, when the unpaid amount is 0 yen, it can be determined that the order can be settled. In addition, when the unpaid amount is less than 3,000 yen, if the unpaid days (the number of elapsed days from the payment date) are less than 2 months, the order can be judged to be settled; or the unpaid days are more than 2 months, then The order is determined to be uncheckable. In addition, when the unpaid amount is more than 3,000 yen and less than 5,000 yen, if the unpaid days are less than 1 month, the order can be determined to be settled; if the unpaid days are more than 1 month, the order is determined to be unsettled account. In addition, it can be determined that the order cannot be settled when the unpaid amount is more than 5000. In addition, the example in Fig. 9 is one example, and the period and amount of money are not limited to the example in Fig. 9.

As described above, when an order has not yet been paid, it can be deemed that the user's credit rating is high, and it can be determined that the order can be settled. In addition, when an order has not been paid, the order can be settled according to the unpaid amount or the period of unpaid. In this way, the convenience of the user can be improved, and at the same time the suitability of the order checkout can be appropriately determined.

Next, the method of determining the feasibility of order settlement using the learning model 41 will be described.

The determination unit 54 has a function as an input unit, and inputs the user's order data into the learning model 41 based on the order data learning. The learning model 41 can use a multi-layer neural network (deep learning), but other machine learning can also be used. The learning model 41 is like a learning model after learning the order data and the order reliability (user's reliability) corresponding to the order data as learning data.

The determination unit 54 can determine whether the user's order checkout is possible based on the output of the learning model 41. By using the learning model 41 learned from a large number of order materials, it is possible to accurately determine the feasibility of order settlement.

FIG. 10 is a schematic diagram showing an example of the structure of the learning model 41. As shown in Figure 10, it is composed of an input layer, an output layer, and a plurality of intermediate layers. In addition, in Figure 10, for convenience, two intermediate layers are drawn. However, the number of intermediate layers is not limited to two, and may be three or more.

There are one or more nodes (neurons) in the input layer, output layer, and middle layer; the nodes of each layer are coupled with the nodes existing in the front and back layers, and the desired weights in one direction are coupled. A vector having the same number of components as the number of nodes in the input layer is given as the input data of the learning model 41. The input data can be set as order data, including: elapsed days after account creation, total number of orders, total order amount, amount of the last order, elapsed days since the last order, etc. In addition, data such as the number of elapsed days after the account was created, the total number of orders, the total amount of orders, and the amount of the last order can be vectorized and input to each node of the input layer.

The data given to each node of the input layer, when input to the first intermediate layer, use the weight and activation function to calculate the output of the intermediate layer, and the calculated value will be given to the next intermediate layer. The following uses the same method to pass to The following layer (lower layer) until the output of the output layer is obtained. In addition, the weights of all coupled nodes are calculated by the learning algorithm.

The output layer of the learning model 41, for example, outputs the credit rating as output data. The output data can be regarded as data in the form of a vector, with components of the same size as the number of nodes in the output layer (the size of the output layer). The nodes of the output layer, for example, can divide the credit of the user's order (or the user itself) into 100%, 90%, 80%, ..., 50%. In addition, the output value from the output layer can be interpreted as the probability of the credit rating of each category. For example, among the nodes with credits of 100%, 90%, 80%,... 50%, the node with the highest probability, or the credit of the node with the probability above the critical value, can be used as the output value of the learning model 41. In addition, the value of the credit is not limited to the example shown in Figure 10. For example, it can be output at 5% intervals, and it can also be output in the range of 0% to 100%. In addition, the output data from the output layer is not limited to the credit rating, and can also be the probability of non-payment.

In addition, the input data and output data shown in FIG. 10 may be used as learning data, and the learning model 41 may learn.

The learning model 41 can be composed of a combination of hardware, such as: CPU (such as multi-core multi-processors, etc.), GPU (Graphics Processing Units, image processors), DSP (Digital Signal Processors, digital signal processors) , Or FPGA (Field-Programmable Gate Arrays, field programmable gate array) etc. In addition, quantum processors can also be combined. The learning model 41 is not limited to a neural network-like model, and may be other machine learning models.

Figure 11 is an explanatory diagram showing the fourth example of the method of determining whether an order is settled. As shown in FIG. 11, when the output value of the learning model 41 is 100%, it can be determined that the order can be settled. In addition, when the output value of the learning model 41 is 90% of credit, if the amount of this order is less than 10,000 yen, it can be determined that the order can be settled. In addition, although it is not shown in Figure 11, when the output value of the learning model 41 is 90% credit, if the amount of this order is 10,000 yen or more, it is determined that the order cannot be settled. In addition, when the output value of the learning model 41 is 80%, if the amount of the current order is less than 5,000 yen, it can be determined that the order can be settled. In addition, when the output value of the learning model 41 is less than or equal to 70%, it can be determined that the order cannot be settled. In addition, the numerical values (90%, etc.) indicating the credit ratings are just one example, and are not limited to these numerical values.

As described above, the determination unit 54 can determine whether the user's order is settled based on the credit rating output by the learning model 41. For example, when the credit is 100%, it can be determined that the order can be settled. In addition, when the credit rating is 80 or more, the order can be settled according to the amount of the order. In addition, it can be determined that the order cannot be settled when the credit rating is 70% or less. In this way, the convenience of the user can be improved, and at the same time, the admissibility of the order checkout can be determined with high accuracy.

In addition, the credit rating output by the learning model 41 is not limited to the relative values (80%, 90%, 100%) as described above, and may be set to scores (absolute values) such as 550 points and 600 points. For example, if the highest credit score is 1000 points, it can be determined that the order can be settled when the credit score output by the learning model 41 is 900 points or more. In addition, when the credit score output by the learning model 41 is less than 900 points and 700 points or more, if the amount of the current order is less than 10,000 yen, it can be determined that the order can be settled. In addition, when the credit score output by the learning model 41 is less than 700 points and 550 points or more, if the amount of the current order is less than 5,000 yen, it can be determined that the order can be settled. In addition, it can be determined that the order cannot be settled when the credit rating output by the learning model 41 is less than 550 points. In addition, the score is just one example and is not limited to these values.

In addition, when the learning model outputs the non-payment probability as the output value, it can determine whether the order is settled as follows. In other words, the determination unit 54 can determine whether the user's order can be settled based on the probability of non-payment output by the learning model 41. For example, when the probability of non-payment is 0%, it can be determined that the order can be settled. In addition, when the probability of non-payment is less than 30%, the order can be checked according to the amount of the order. In addition, it can be determined that the order cannot be settled when the probability of non-payment is more than 30%. In this way, the convenience of the user can be improved, and at the same time, the admissibility of the order checkout can be determined with high accuracy.

The checkout execution unit 55 has a function as a payment unit. When the determination unit 54 determines that the user's order checkout is acceptable, it will pay the online store user’s order amount and pay it to the online store side (meaning, The enterprise server 30, the enterprise or the vendor who uses the online store, etc.).

The checkout execution unit 55 has a function as a payment requesting unit to request the user's side (for example, a mobile phone or information processing device used by the terminal device 10 or other users) for the total amount of the user's order within a predetermined period Amount. The predetermined period can be set as 1 month. In this way, even if the user places an order multiple times within a predetermined period, the payment will not be requested every time the order is placed. Instead, the payment will be collected only once during each predetermined period. In other words, the advantage is that there will be no fees for each purchase.

Next, the case of regular purchase (for example, regular purchase of a certain product) will be explained.

Fig. 12 is an explanatory diagram showing a second example of the procedure of the order checkout system of this embodiment. The second example shows the situation of regular purchase and checkout. The following describes the procedures P21 to P38.

In the procedure P21, the user uses the terminal device 10 to access the online store, decides to purchase goods, and starts regular checkout of purchases.

Hereinafter, since the program P22 to the program P28 are the same as the program P2 to the program P8 illustrated in FIG. 2, the description is omitted.

In the procedure P29, the order checkout server 50 generates periodic purchase identification information. The periodic purchase identification information is user identification information (information for identifying the user's account by each company), which is used to execute the user's checkout at the order checkout server 50.

In the procedure P30, the order checkout server 50 determines whether the order checkout is possible based on the order data (including order history data).

In the procedure P31, when it is determined that the order can be settled, the order checkout server 50 transmits the checkout data and periodic purchase identification information to the enterprise server 30.

In the procedure P32, the enterprise server 30 executes the product delivery processing, and then executes the checkout completion; in the procedure P33, the enterprise server 30 transmits the checkout completion notice to the order checkout server 50. In this way, the order checkout server 50 advances the user's order amount (order amount) on behalf of the user and pays it to the enterprise.

In the procedure P34, the order checkout server 50 aggregates the user's order amount for a predetermined period (for example, 1 month) and requests payment (1 payment request).

In the procedure P35, the terminal device 10 transmits the next regular purchase order to the order check server 50.

In the procedure P36, the user's regular purchase identification information is used to send the checkout data to the enterprise server 30.

In the procedure P37, the enterprise server 30 executes the checkout completion after the commodity sending process is executed; in the procedure P38, the enterprise server 30 sends the checkout completion notice to the order checkout server 50. In this way, the order checkout server 50 advances the user's order amount (order amount) on behalf of the user and pays it to the enterprise.

In the procedure P39, the order checkout server 50 aggregates the user's order amount for a predetermined period (for example, 1 month) and requests payment (1 payment request). After that, the same procedures as procedures P34 to P38 are repeated.

In addition, in the above-mentioned example, it is also possible to execute the second and subsequent regular purchases without executing the program P35. In other words, it is also possible to determine in advance the second and subsequent checkout processing days, the delivery date of the product, and so on, and until that day comes, the procedures P36 to P38 can be executed again.

The checkout execution unit 55 has a function as a generation unit, and generates purchase identification information for regular purchases on the online store after the user is authenticated (more specifically, before the order can be settled).

When the checkout execution unit 55 accepts the user's regular purchase order, it advances the user's order amount based on the generated purchase identification information and pays it to the online store side. The checkout execution unit 55 asks the user for the total amount of the user's order amount within a predetermined period. By using the purchase identification information, the user's order can continue to be collected; and the user can make regular purchases.

FIG. 13 is a flowchart showing an example of the processing procedure in the terminal device 10. For the sake of convenience, the main body of processing will be described below as the control unit 11. The control unit 11 accesses the online store (S11), and decides to purchase goods according to the user's operation (S12). The control unit 11 starts the checkout of the order in response to the user's operation (S13).

The control unit 11 receives the phone number and email address input by the user (S14), and transmits the received phone number and email address to the order checkout server 50 (S15). When the user sees the authentication code sent to the mobile phone (the terminal device 10 is also possible) via SMS, and enters the authentication code into the terminal device 10, the control unit 11 receives the input authentication code (S16), and transmits the received authentication code to The order checkout server 50 (S17).

The control unit 11 receives the checkout determination result from the order checkout server 50 (S18), and determines whether the checkout is possible (S19). If the checkout is possible (YES in S19), the control unit 11 determines whether to accept the purchase of other commodities (S20), and if the purchase of other commodities is accepted (YES in S20), the processing of step S12 and subsequent steps is continued.

If the purchase of other commodities is not accepted (NO in S20), the control unit 11 ends the processing. If settlement is not possible (NO in S19), the control unit notifies that settlement is not possible (S21) and ends the process.

FIG. 14 is a flowchart showing an example of the processing sequence in the order checkout server 50. For the sake of convenience, the main body of processing will be described below as the control unit 51. The control unit 51 determines whether to start the checkout (S31), and if the checkout has not started (NO in S31), the process of step S31 is continued. If the checkout has started (YES in S31), the control unit 51 receives the telephone number and email address from the terminal device 10 (S32), and obtains the user's order data (S33).

The control unit 51 transmits the authentication code via SMS (S34). The control unit 51 determines whether the authentication code has been received from the terminal device 10 (S35). When the authentication code is received (YES in S35), if the received authentication code is matched with the transmitted authentication code, the user Determine whether the checkout is possible (S36) based on the order data.

When it is determined that the checkout is possible (YES in S37), the control unit 51 transmits a checkout possible notice to the terminal device 10 (S38), and transmits the checkout data about the order to the enterprise server 30 (S39). The control unit 51 determines whether the settlement completion notice has been received from the enterprise server 30 (S40), and if the settlement completion notice has not been received (NO in S40), the process of step S40 is continued.

If the checkout completion notice has been received (YES in S40), the control unit 51 aggregates the total amount of the user's order and the payment for the predetermined period (S41), and ends the process. If the authentication code is not received (NO in S35), or it is determined that the settlement is not possible (NO in S37), the control unit transmits a notification that the settlement is not possible to the terminal device 10 (S42), and ends the process.

The order checkout server 50 can be implemented by a computer equipped with a CPU (processor), RAM, and the like. The computer program (which can be recorded on a computer-readable non-transitory recording medium) that defines the processing sequence shown in Figure 14 is loaded into the computer’s RAM, and the computer program is executed by the CPU (processor). The order checkout server 50 is implemented on the computer.

As described above, according to the present embodiment, the user can complete the checkout of the order at the online store only by entering the phone number and e-mail address. Therefore, even if they do not have a credit card, they can perform online shopping. In addition, since the time and effort required for credit card registration or credit card information input can be reduced, the user's convenience can be improved. In addition, there are no security concerns when using a credit card. In addition, the user does not need to use a password, but an authentication code is issued each time it is used, so convenience can be improved without loss of security.

In addition, according to the present embodiment, since a payment method like cash on delivery is not required, there is no need to stay at home and wait for the arrival of the goods, which improves the convenience of the user.

In addition, according to this embodiment, even if the product is purchased multiple times within a predetermined period (for example, 1 month), it will not be paid for each purchase. As long as the purchase amount is paid once within the predetermined period, for example Said that every time you buy goods, there will be no handling fees. In this way, the advantage that can be obtained is that the user does not need to pay unnecessary fees.

In addition, according to this embodiment, after a user purchases a product, the company (affiliated store) can confirm the stock and complete the checkout during the capture process performed at the time of shipment, and the company can collect the purchase amount, for example Said, there will be no cancellation risk caused by pickup and payment.

The order checkout device of this embodiment includes: an identification information acquisition unit that acquires user identification information including a phone number from a terminal device of a user who accesses the online store; an order data acquisition unit that acquires the user's Order data; the authentication information obtaining section uses the phone number obtained by the identification information obtaining section to obtain authenticated authentication information from the terminal device; and the judging section uses the order data obtained by the order data obtaining section to determine the Whether the user’s order can be checked out.

Regarding the computer of this embodiment, the non-transitory recording medium can be read and the computer program is recorded, and the computer program is executed by the computer: the process of obtaining the user identification information including the telephone number from the terminal device of the user accessing the online store ; The processing of obtaining the user's order data; the processing of using the obtained phone number to obtain the authentication information from the terminal device; and the processing of using the obtained order data to determine whether the user's order checkout can be processed .

The order checkout method of this embodiment includes: obtaining user identification information including a phone number from the terminal device of the user accessing the online store; obtaining the user's order information; using the obtained phone number, Obtain authentication information for authentication from the terminal device; and use the obtained order data to determine whether the user's order checkout is acceptable.

The identification information acquisition unit acquires user identification information including a telephone number from the terminal device of the user who accesses the online store. User identification information, in addition to phone number (for example, mobile phone number), can also be set as the user’s email address. The terminal device can be a smart phone, a personal computer or a tablet computer.

The order data acquisition department obtains the user's order data. The order data not only includes the current order data, but also the user's past order data (order history data). The order history data, for example, can be extracted based on the user's account information on the online store. The order information can be used to verify the user's order.

The authentication information obtaining section uses the obtained phone number to obtain authentication information for authentication from the terminal device. For example, by sending the authentication information to the user's mobile phone, the terminal device sends the delivered authentication information to perform user authentication. At this time, the user does not need to log in the credit card in advance or enter the credit card information, which can improve the user's convenience.

The judging unit uses the acquired order data to judge whether the user's order checkout is possible. For example, based on the situation related to the user's order, it can be determined that the order can be settled when there is no problem with the user's payment situation. In addition, it can be determined that the order cannot be settled when there is no payment. In this way, the user only needs to input the user identification information and the authentication information to complete the order checkout, thereby improving the convenience of the user.

Regarding the order checkout device of this embodiment, the order data acquisition unit acquires the user's address in the order data; the determination unit determines the user's address based on the existence or the change of the address Whether the user’s order can be checked out.

The order data acquisition department obtains the user's address in the order data. The judging unit judges whether the user's order can be settled based on the existence of the user's address or the change of the address. For example, when the user's address is an address that does not really exist (however, when the address of the delivery place does exist), the user's credit rating can be regarded as low, and the order cannot be checked out. In addition, even when the user's address is changed within a relatively short period of time, it can be considered that the user's credit rating is low, and it is determined that the order cannot be settled. In this way, the convenience of the user can be improved, and at the same time, the suitability of the order checkout can be appropriately determined.

Regarding the order checkout device of the present embodiment, the determination unit determines whether the user's order checkout is possible based on the unpaid information of the order.

The judging unit judges the user's order checkout based on the unpaid information of the order. For example, when an order has not yet been paid, it can be deemed that the user's credit rating is high, and the order can be determined to be settled. In addition, when an order has not been paid, it is possible to determine whether the order is settled according to the unpaid amount or the period of unpaid. This can improve the convenience of the user and appropriately determine whether the order is settled.

The order checkout device of this embodiment includes: a usage history acquisition unit that acquires the usage history of the user's phone number in the order data; the determination unit determines the user's usage history based on the phone number usage history Whether the order can be checked out.

The usage history acquisition section acquires the usage history of the user's phone number in the order data. The history of the use of the telephone number includes, for example, the elapsed period from the start of the use of the telephone number to the present, or the number of uses, etc. The usage history can be obtained by using, for example, the usage history database of telephone numbers.

The judging unit judges whether the user's order checkout is possible based on the use history of the telephone number. For example, when the elapsed time from the beginning of the use to the present is very short, or when the phone number has not been used even once, it is considered that the possibility of illegal use or counterfeiting is high, and it is determined that the order cannot be checked out. . In this way, the convenience of the user can be improved, and at the same time, the suitability of the order checkout can be appropriately determined.

The order checkout device of this embodiment includes: an input unit that inputs the order data into a learning model, and the learning model learns based on the order data; and the determination unit determines the user's behavior based on the output of the learning model Whether the order can be checked out.

The input unit inputs the user's order data to the learning model, and the learning model learns based on the user's order data. The learning model can use multi-layer neural networks (deep learning), but other machine learning can also be used. The learning model is like learning the order data and the reliability of the order corresponding to the order data (user's reliability) as the learning data.

The judging unit judges the user's order checkout based on the output of the learning model. By using a learning model learned from most order materials, it is possible to determine the feasibility of order settlement with high accuracy.

Regarding the order checkout device of the present embodiment, the determination unit determines whether the user's order checkout is possible based on the probability of non-payment output by the learning model.

The judging unit judges whether the user's order can be settled based on the probability of non-payment output by the learning model. For example, when the probability of non-payment is 0%, it can be determined that the order can be settled. In addition, when the probability of non-payment is less than 30%, the order can be checked according to the amount of the order. In addition, it can be determined that the order cannot be settled when the probability of non-payment is more than 30%. In this way, the convenience of the user can be improved, and at the same time, the admissibility of order checkout can be determined with high accuracy.

Regarding the order checkout device of this embodiment, the determination unit determines whether the user's order checkout is possible based on the credit rating output by the learning model.

The judging unit judges the user's order checkout based on the credit rating output by the learning model. For example, when the credit is 100%, it can be determined that the order can be settled. In addition, when the credit rating is 80 or more, the order can be settled according to the amount of the order. In addition, it can be determined that the order cannot be settled when the credit rating is 70% or less. In this way, the convenience of the user can be improved, and at the same time, the admissibility of order checkout can be determined with high accuracy.

The order checkout device of this embodiment includes: a payment unit, and when the judgment unit determines that the user’s order checkout is acceptable, the user’s order amount on the online store is paid on behalf of the user and paid to the The online store side; and the payment department, requesting payment from the user side for the total amount of the user’s order amount within a predetermined period.

The payment unit, when the determination unit determines that the user's order checkout is acceptable, pays the user's order amount on the online store to the online store side. The payment department asks the user for the total amount of the user's order amount within a predetermined time. The predetermined period can be set as 1 month. In this way, even if the user places an order multiple times within a predetermined period, the payment will not be requested every time the order is placed. Instead, the payment will be collected only once during each predetermined period. In other words, the advantage is that there will be no fees for each purchase.

Regarding the order checkout device of this embodiment, it is provided with: a generating unit that generates purchase identification information when the determination unit determines that the user's regular purchase order checkout is acceptable, and the purchase identification information is used in the online store The payment department, when accepting the user’s periodic purchase order, based on the purchase identification information generated by the generation department, advances the user’s order amount and pays it to the online store side; and Department, ask the user for the total amount of the user’s order amount within a predetermined period.

The generating unit, when the determining unit determines that the user's regular purchase order is settled, generates purchase identification information, which is used for regular purchases in the online store.

The payment unit, when accepting the user's regular purchase order, based on the purchase identification information generated by the generating unit, advances the user's order amount and pays it to the online store side. The payment department asks the user for the total amount of the user's order amount within the predetermined period. By using the purchase identification information, the user's order can continue to be collected; and the user can make regular purchases.

1: Internet 10: Terminal device 11: Control Department 12: Ministry of Communications 13: Memory Department 14: Display screen 15: Operation Department 20: Web server 30: Enterprise Server 40: review engine server 41: learning model 42: Phone Number Verification Department 50: Order checkout server 51: Control Department 52: Ministry of Communications 53: Memory Department 531: Order history DB 54: Judgment Department 55: Checkout Execution Department 100: Input screen 101: area 102: area 103: area 104: payment icon 110: Input screen 111: area 120: Checkout judgment result screen 121: icon P1, P2,..., P13: Program P21, P22,..., P39: Program S11, S12,..., S21: Step S31, S32,..., S42: steps

Fig. 1 is a block diagram showing an example of the configuration of the order checkout system of this embodiment. Fig. 2 is an explanatory diagram showing the first example of the procedure of the order checkout system of this embodiment. Fig. 3 is a schematic diagram showing the first example of the input screen displayed on the display screen of the terminal device. Fig. 4 is a schematic diagram showing a second example of the input screen displayed on the display screen of the terminal device. Fig. 5 is a schematic diagram showing an example of the checkout determination result screen displayed on the display screen of the terminal device. Figure 6 is an explanatory diagram showing an example of the content of the order document. Figure 7 is an explanatory diagram showing the first example of the method of determining whether an order is settled. Figure 8 is an explanatory diagram showing the second example of the method of determining whether an order is settled. Figure 9 is an explanatory diagram showing the third example of the method of determining whether an order is settled. Figure 10 is a schematic diagram showing an example of the structure of the learning model. Figure 11 is an explanatory diagram showing the fourth example of the method of determining whether an order is settled. Fig. 12 is an explanatory diagram showing a second example of the procedure of the order checkout system of this embodiment. Fig. 13 is a flowchart showing an example of the processing procedure in the terminal device. Figure 14 is a flow chart showing an example of the processing sequence in the order checkout server.

1: Internet

10: Terminal device

11: Control Department

12: Ministry of Communications

13: Memory Department

14: Display screen

15: Operation Department

20: Web server

30: Enterprise Server

40: review engine server

41: learning model

42: Phone Number Verification Department

50: Order checkout server

51: Control Department

52: Ministry of Communications

53: Memory Department

531: Order history DB

54: Judgment Department

55: Checkout Execution Department

Claims (11)

An order checkout device, including: The identification information acquisition unit acquires user identification information including phone numbers from the terminal device of the user accessing the online store; The order data acquisition department obtains the user's order data; The authentication information obtaining section uses the phone number obtained by the identification information obtaining section to obtain authentication information for authentication from the terminal device; and The determination unit uses the order data acquired by the order data acquisition unit to determine whether the user's order is settled. Such as the order checkout device described in item 1 of the scope of patent application, Among them, the order data acquisition department, Obtain the user's residential address in the order information; Among them, the determination section, Based on the existence of the user’s address or the change of the address, the user’s order checkout is determined. Such as the order checkout device described in item 1 of the scope of patent application, Among them, the determination section, Based on the unpaid information of the order, determine whether the user's order can be checked out. For example, the order checkout device described in any one of items 1 to 3 of the scope of patent application includes: The usage history acquisition department obtains the usage history of the user's phone number in the order data; Among them, the determination section, Based on the usage history of the phone number, it is determined whether the user's order checkout is possible. For example, the order checkout device described in any one of items 1 to 3 of the scope of patent application includes: The input unit inputs the order information into a learning model, and the learning model learns based on the order information; Among them, the determination section, Based on the output of the learning model, it is determined whether the user's order checkout is acceptable. Such as the order checkout device described in item 5 of the scope of patent application, Among them, the determination section, Based on the probability of non-payment output by the learning model, it is determined whether the user's order checkout is possible. Such as the order checkout device described in item 5 of the scope of patent application, Among them, the determination section, Based on the credit rating output by the learning model, it is determined whether the user's order checkout is possible. For example, the order checkout device described in any one of items 1 to 3 of the scope of patent application includes: The payment part, when the judgment part determines that the user's order checkout is acceptable, pay the user's order amount on the online store and pay the online store side; and The payment department asks the user for the total amount of the user's order amount within a predetermined period. For example, the order checkout device described in any one of items 1 to 3 of the scope of patent application includes: The generating unit, when the determining unit determines that the user's regular purchase order is settled, generates purchase identification information, and the purchase identification information is used for regular purchases on the online store; The payment unit, when accepting the user's regular purchase order, based on the purchase identification information generated by the generating unit, advances the user's order amount on behalf of the user, and pays the online store side; and The payment department asks the user for the total amount of the user's order amount within a predetermined period. A computer can read a non-transitory recording medium and record a computer program that enables the computer to execute: Processing of obtaining user identification information including phone number from the terminal device of the user accessing the online store; Obtain the processing of the user's order data; Use the obtained phone number to obtain the authentication information for authentication from the terminal device; and Use the acquired order data to determine whether the user's order checkout can be processed. An order checkout method, including: Obtain user identification information including the phone number from the terminal device of the user accessing the online store; Obtain the user's order information; Use the obtained phone number to obtain authentication information for authentication from the terminal device; and Use the acquired order data to determine the feasibility of the user's order checkout.

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