WO2022124023A1 - Program, information processing method, and information processing device - Google Patents

Abstract

An information processing method causing an information processing apparatus to execute: acquiring payment information for an article requested to purchase by a user; identifying a first payment means included in the payment information; when the user has not utilized the first payment means, acquiring a screening result for availability of the first payment means; and on the basis of the screening result, executing payment processing on the article using the first payment means or a second payment means available to the user.

Description

Programs, information processing methods, and information processing equipment

This disclosure relates to programs, information processing methods, and information processing devices.

For some time, a system for mediating individual sales has been open to the public on electronic commerce platforms such as the CtoC (CustomerToCustomer) marketplace (see, for example, Patent Document 1).

Japanese Unexamined Patent Publication No. 2001-167163

In a conventional e-commerce platform, a user who purchases a product purchases the product using any of the payment methods currently available. Regarding this payment method, an unused payment method, for example, a payment method that has never been charged, a payment method that has not undergone examination, and the like are not selected by the user at the time of purchasing the product.

Therefore, the present disclosure discloses an information processing method, a program, and an information processing apparatus capable of promoting the use of an unused payment means by making it selectable for the user even if the payment means is unused. The purpose is to provide.

The information processing method according to the embodiment of the present disclosure is that the information processing apparatus acquires the payment information of the product requested to be purchased by the user and specifies the first payment means included in the payment information. When the user has not used the first payment means, the first payment means or the user obtains the examination result of availability of the first payment means, and based on the examination result, the first payment means or the user. Performing and executing payment processing for the product using a second payment means that can be used.

It is a figure which shows the example of the configuration of the information processing system which concerns on one aspect of Embodiment, the example of the hardware configuration of the server which concerns on this disclosure, and the example of the block diagram which shows the example of the hardware composition of the terminal which concerns on this disclosure. .. It is a figure which shows an example of the user information which concerns on embodiment. It is a figure which shows an example of the account information which concerns on embodiment. It is a figure which shows an example of the settlement information which concerns on embodiment. It is a figure which shows an example of the transaction information which concerns on embodiment. It is a figure which shows an example of the processing sequence of the information processing system which concerns on embodiment. It is a figure which shows the transition example of the screen of the terminal which concerns on embodiment.

<Legal compliance>
The disclosures described herein are made in compliance with the laws and regulations of each country in which this disclosure is implemented. In addition, the disclosures described herein are made with all modifications, substitutions, modifications, modifications, or amendments that can be made by those skilled in the art necessary to comply with the laws and regulations of each country.

The information processing method, program, and mode for implementing the information processing apparatus according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 discloses the configuration of the information processing system 1 according to the embodiment of the present disclosure. In the information processing system 1, the servers 110A and 110B, the terminals 120A, the terminals 120B, and the terminals 120C are connected to each other via the network 130, and the server 150 that holds the credit information of each user.

When it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively. The number of servers 110 connected to the network 130 is not limited.

When it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively. The number of terminals 120 connected to the network 130 is not limited.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service is not limited, and includes, for example, a payment service, a financial service, an electronic commerce service, an SNS (Social Networking Service) represented by an instant messaging service, and a content providing service such as music, video, and books. The server 150 is managed by, for example, a designated credit information agency, CIC (Credit Information Center), holds the credit information of the user, and responds to the requester with the credit information of the user who received the request. The servers 110 and 150 may independently provide one or more services, or a plurality of servers 110 and 150 may provide one or more services. By providing each service to one or more terminals 120 by the servers 110 and 150, the user can use each service via the terminal 120.

If necessary, the terminal used by the user X is expressed as the terminal 120X, and the information associated with the user X or the terminal 120X and associated with the user in a predetermined service is expressed as the user information X. User information is not limited, but as an example, input by the user or given by a predetermined service, 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 taste. Includes information associated with the user such as tastes and user identifiers, electronic value (electronic money) balance information associated with the user, credit card information associated with the user (credit card number, etc.), etc. Can be done.

The network 130 connects two or more servers 110, 150, or two or more terminals 120. The network 130 provides a connection route so that data can be transmitted and received after the terminal 120 connects to the servers 110 and 150.

One or more parts of the network 130 may be a wired network or a wireless network. The network 130 is not limited, but as an example, an ad hoc network, an intranet, an extra net, a virtual private network (VPN), a local area network (LAN), and a wireless network. LAN (Wireless LAN: WLAN), wide area network (WideAreaNetwork: WAN), wireless WAN (WirelessWAN: WWAN), metropolitan area network (MetropolitanAreaNetwork: MAN), part of the Internet, public exchange telephone network (Public) Part of Switched Telephone Network: PSTN, mobile network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (LongTerm Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite It may be communication or the like, and these may be combined. The network 130 can include one or more networks 130.

The server 110, 150, and the terminal 120 may be any information processing device as long as it can realize the processing, function, or method described in the present disclosure.

The servers 110, 150, and terminal 120 are not limited to, but are examples of smartphones, mobile phones (feature phones), computers (not limited to examples, desktops, laptops, tablets, etc.), server devices, media computer platforms (limited). Not limited to, for example, cables, satellite set top boxes, digital video recorders, etc., handheld computer devices (not limited to, for example, PDAs (Personal Digital Assistants), e-mail clients, etc.), wearable terminals (not limited to, as an example, etc.) It may be a glasses-type device, a clock-type device, etc.), another kind of computer, a communication platform, or the like, and these may be combined.

<Hardware configuration of each information processing device>
(1) Hardware Configuration of Server With reference to FIG. 1, the hardware configuration of the server 110 included in the information processing system 1 will be described.

The server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transmission / reception unit 117. Each component of the hardware of the server 110 is connected to each other via bus B, for example, without limitation.

The server 110 realizes the processes, functions, or methods described in the present disclosure in cooperation with the processor 111, the memory 112, the storage 113, the input / output I / F 114, and the transmission / reception unit 117.

The processor 111 executes a process, a function, or a method realized by a code included in a program stored in the storage 113 or an instruction. The processor 111 is not limited to, for example, one or a plurality of central processing units (CPUs), MPUs (MicroProcessingUnits), GPUs (GraphicsProcessingUnits), microprocessors (microprocessors), processor cores (processorcores), and multiprocessors. (Multiprocessor), ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc. Each process, function, or method disclosed in each embodiment may be realized by a wear) or a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. In addition, LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

The memory 112 temporarily stores the program 1121 loaded from the storage 113 and provides a work area to the processor 111. Various data generated while the processor 111 is executing the program are also temporarily stored in the memory 112. The memory 112 is not limited, and may be, for example, a RAM (RandomAccessMemory), a ROM (ReadOnlyMemory), or the like, and these may be combined. The storage 113 stores programs and various data. The storage 113 is not limited, and may be, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, or the like, and these may be combined.

The input / output I / F 114 is connected to an input device 115 for inputting various operations to the server 110 and an output device 116 for outputting the processing result processed by the server 110.

The input device 115 is realized by any one of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the processor 111 via an input / output I / F 114, or a combination thereof. The input device is not limited to, for example, a hardware key such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input by voice), and the like. Often, these may be combined.

The output device 116 is realized by any or a combination of all kinds of devices capable of outputting the processing result processed by the processor 111 via the input / output I / F 114. When the processing result is output as a video or moving image, the output device 116 is realized by any or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. Will be done. The output device 116 is not limited but, as an example, a touch panel, a touch display, a monitor (not limited but, as an example, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mount display (HMD: Head Mounted Display), a projection mapping, and the like. It may be a device capable of displaying an image, text information, or the like in a hologram, air (may be vacuum), a speaker (audio output), a printer, or the like, and these may be combined. It should be noted that these output devices may be capable of displaying display data in 3D.

The input device 115 and the output device 116 may be integrated, or the input device 115 and the output device 116 may be separated.

The transmission / reception unit 117 transmits / receives various data via the network 130. The communication may be executed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The transmission / reception unit 117 has a function of executing communication with other information processing devices via the network 130. The transmission / reception unit 117 transmits various data to other information processing devices according to instructions from the processor 111. Further, the transmission / reception unit 117 receives various data transmitted from other information processing devices and transmits them to the processor 111. Since the server 150 has the same device as the server 110, the description thereof will be omitted.

(2) Hardware Configuration of Terminal 120 The hardware configuration of the terminal 120 included in the information processing system 1 will be described with reference to FIG.

The terminal 120 has a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmission / reception unit 127, and a reading unit 128. Each component of the hardware of the terminal 120 is connected to each other via bus B, for example, without limitation.

The terminal 120 is disclosed in the present disclosure by the cooperation of the processor 121, the memory 122, the storage 123, the input / output I / F 124, the input device 125, the output device 126, the transmission / reception unit 127, and the reading unit 128. Implement the processes, functions or methods described.

The processor 121 executes a process, a function, or a method realized by a code or an instruction contained in a program stored in the storage 123. The processor 121 is not limited, but as an example, a central processing unit (CPU), an MPU (MicroProcessingUnit), a GPU (GraphicsProcessingUnit), a microprocessor, a processor core (processorcore), a multiprocessor, Including ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., logic circuits (hardware) and dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc. Each process, function, or method disclosed in each embodiment by the circuit may be realized. Further, these circuits may be realized by one or a plurality of integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. In addition, LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

The memory 122 temporarily stores the program 1221 loaded from the storage 123 and provides a work area to the processor 121. Various data generated while the processor 121 is executing the program 1221 are also temporarily stored in the memory 122. The memory 122 is not limited, and may be, for example, a RAM (RandomAccessMemory), a ROM (ReadOnlyMemory), or the like, and these may be combined.

The storage 123 stores programs and various data. The storage 123 is not limited, and may be, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, or the like, and these may be combined.

The input / output I / F 124 is connected to an input device 125 for inputting various operations to the terminal 120 and an output device 126 for outputting the processing result processed by the terminal 120.

The input device 125 is realized by any one of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the processor 121, or a combination thereof. The input device is not limited to, for example, a hardware key such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input by voice), and the like. Often, these may be combined.

The output device 126 is realized by any one of all kinds of devices capable of outputting the processing result processed by the processor 121, or a combination thereof. When outputting the processing result as a video or moving image, the output device is realized by any or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. To. The output device is not limited, but as an example, a touch panel, a touch display, a monitor (not limited, as an example, a liquid crystal display, OELD (Organic Electroluminescence Display), etc.), a head mount display (HMD: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying an image, text information, or the like in the air (which may be a vacuum), a speaker (audio output), a printer, or the like, and these may be combined. It should be noted that these output devices may be capable of displaying display data in 3D.

The input device 125 and the output device 126 may be integrated, or the input device 125 and the output device 126 may be separated.

The transmission / reception unit 127 transmits / receives various data via the network 130. The communication may be executed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The transmission / reception unit 127 has a function of executing communication with another information processing device via the network 130. The transmission / reception unit 127 transmits various data to other information processing devices according to instructions from the processor 121. Further, the transmission / reception unit 127 receives various data transmitted from other information processing devices and transmits them to the processor 121.

(3) Others Cloud computing composed of one or more information processing devices may realize at least a part of processing, functions, or methods in the server 110, 150, or the terminal 120.

Another information processing device may realize at least a part of the processing, function, or method in the server 110, 150 or the terminal 120. In this case, the processor of another information processing device may realize at least a part of the processing realized by the processor 111 or the processor 121.

The program that executes the processing of each embodiment of the present disclosure may be provided in a state of being stored in a storage medium readable by a computer. The storage medium can store the program in a “non-temporary tangible medium”. The program is not limited, and may be a software program, a computer program, or the like as an example.

The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (for example, but not limited to field programmable gate arrays (FPGAs), application-specific ICs (ASICs), etc.), hard disks. 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 tape, solid It may be a drive (SSD), a RAM drive, a secure digital card or drive, any other suitable storage medium, etc., which may be combined. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

Further, the program of the present disclosure may be provided to the server 110, 150 or the terminal 120 via an arbitrary transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program.

In addition, each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

The program of the present disclosure may be implemented using, for example, JavaScript (registered trademark), a script language such as Python, C language, Go language, Swift, Kotlin, Java (registered trademark), and the like. ..

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

The present disclosure includes all changes, substitutions, modifications, modifications, or modifications that can be made by those skilled in the art to the present disclosure. Also, the appended claims include all modifications, substitutions, modifications, modifications, or modifications made by one of ordinary skill in the art to the claims. Further, the present disclosure includes any combination of one or more features of an embodiment or example in the present disclosure that can be made by one of ordinary skill in the art and one or more features of another embodiment or embodiment in the present disclosure. do.

In addition, a device or system or device or device that is adapted, arranged, capable, configured, usable, operational, or operational to perform a particular process, function or method. An attached claim reference to a component of a system is such that the device, system, or component is so adapted, arranged, capable, configured, made available. As long as it is enabled or operational, the device, system, component, whether the device, system, component or its specific function is activated, turned on, or unlocked. Including.

Unless otherwise specified, this disclosure may obtain the consent of the user in advance or immediately before the implementation of any of the embodiments or examples. In addition, the consent to be obtained may be comprehensive or may be obtained on a case-by-case basis.

<Embodiment>
The embodiment is an embodiment that enables the user to select an unused payment means that has not yet been used at the time of payment.

According to the embodiment, by making it possible to select an unused payment method at the time of payment, it is possible to promote the use of the unused payment method, and it is possible to increase the choice of payment method for the user. The effect is obtained. It was

<Structure of Embodiment>
Each configuration of the server 110 and the terminal 120 will be described with reference to FIG.
(1) Server configuration
The server 110 includes a processor 111, a memory 112, a storage 113, an input / output I / F 114, an input device 115, an output device 116, and a transmission / reception unit 117.

The processes, functions or methods that can be executed and configured by the processor 111 may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible. It was

The input / output I / F 114 receives various setting operations and the like from the business operator operating various services provided by the server 110 from the input device 115 or the output device 116.

The transmission / reception unit 117 transmits / receives data to / from the terminal 120 or the like according to the instruction of the processor 111. The transmission / reception unit 117 is, for example, a session for communication with the terminal 120 or the like using HTTPS or the like when the user of the terminal 120 or the like is authenticated by the user ID and the password included in the login request from the terminal 120 or the like. To connect. Then, the communication address of the terminal 120 or the like, the user ID, and the like are stored in association with the ID of the connected communication session. Then, the data is transmitted to the terminal 120 or the like by using the connected communication session.

In the embodiment, the memory 112 stores the following program 1121, user information 1122, transaction information 1123, transaction control module 1124, settlement processing module 1125 and data structure, or a subset thereof.

As described above, the program 1121 is a program loaded from the storage 113, and includes instructions and the like related to the processing in the embodiment.

User information 1122 includes user information and account information registered on the electronic commerce platform. The user information 1122 may also be shared with the payment operator.

The transaction information 1123 includes transaction information on the electronic commerce platform, and may also include payment information of products purchased at the store.

FIG. 2 shows an example of user information 1122 according to the embodiment. The user information manages information about each member user created by a person who operates and manages the electronic commerce platform. The "user ID" includes user identification information (user ID: Identifier) for the server 110 to uniquely identify a user. The "email address" includes an email address registered by the user. The "name" includes the user's name. The "credit score" includes a score indicating the creditworthiness of the user's transaction calculated by a predetermined standard. The "transaction valuation" includes the valuation value evaluated by the trading partner.

FIG. 3 shows an example of account information according to the embodiment. In the account information, for example, information about each user's account created by the payment operator is managed. The payment operator may be, for example, a person who operates and manages an electronic commerce platform. The "user ID" includes user identification information (user ID: Identifier) for the server 110 to uniquely identify a user. The "password" includes a password for user authentication. The "balance" includes the balance of electronic money (or electronic value) of the account held by the user.

In the example shown in FIG. 3, the balance includes the charge amount, sales (sales amount), points 1, points 2, and the like. This type is an example and is not limited to these. The charge amount indicates, for example, the amount of money that the user has deposited from his / her bank account to the account of the account created by the settlement business operator. The sales amount means, for example, the profit obtained by the user listing and selling the product on the electronic commerce platform. The point 1 is, for example, a point obtained by converting sales by a user, and indicates a point used in an electronic commerce platform. The point 2 is, for example, a point given by another person such as a settlement business, and is a point used in an electronic commerce platform.

The charge amount is optional for the balance of the account when the user inputs the information of his / her bank account in the application provided by the payment operator, associates the user ID with the bank account, and the identity verification is completed. The amount of money can be charged. The charge amount can be charged at a convenience store or the like in addition to the bank account. Hereinafter, if the identity verification based on the Act on Prevention of Transfer of Proceeds from Crimes has been completed, it will be described as "after bank connection", and if the identity verification has not been completed, it will be described as "before bank connection".

Point 1 is a paid point in which sales are converted so that the user can make a transaction on the electronic commerce platform before connecting to a bank, and point 1 may have an expiration date set. The expiration date is, for example, 6 months. Since point 1 can be withdrawn from sales after connecting to a bank, it is not necessary to newly convert it to point 1 and hold it. Therefore, the points 1 held before the bank connection gradually decrease with use.

Point 2 is a free point distributed or given as a privilege by a settlement business operator, etc., and point 2 may have an expiration date set. The expiration date of point 2 may be set shorter than the expiration date of point 1.

FIG. 4 shows an example of payment information according to the embodiment. The payment information is, for example, information generated by the payment terminal when the user purchases a product and transmitted to the server 110. The "payment ID" includes identification information (payment ID) for identifying the payment. The "date and time" includes the date and time when the electronic payment is completed. The electronic payment is, for example, a payment using a two-dimensional code, a credit card payment, or the like. The "store ID" includes store information (also referred to as a store ID) of the store where the electronic payment has been made. If the store has a plurality of POS terminals, the store ID may be the ID of the POS terminal. The "payment amount" includes the payment amount when the electronic payment is made. The "payment means" includes information on the payment means used for payment. The payment method is, for example, one of postpaid payments made in a lump sum from the next month onward, fixed amount deferred payments to settle the fixed amount after the next month, convenience store payments, credit payments, balance payments, and the like.

FIG. 5 shows an example of transaction information according to the embodiment. The "exhibitor ID" includes the user ID of the seller's user. The "product name" includes a description of the product in the "description". The "amount" includes the selling price of the product. The "product name", "description", and "amount" are included in the listing information of the product, and other information may be included in the listing information. The "exhibition time" includes the time when the product was exhibited. The "status" includes the status of the transaction in the electronic commerce. The status includes "trading" indicating that the transaction is currently in progress, "negotiating" indicating that the user is in negotiation with the buyer, "done" indicating that the product has been sold, and the like. The "purchaser ID" includes the user ID of the user who purchased the product. The "payment means" includes the payment means used by the purchaser to purchase the product.

Returning to FIG. 1, the transaction control module 1124 stored in the memory 112 controls the sales transaction on the electronic commerce platform by being executed by the processor 1111. For example, the transaction control module 1124 controls user registration, listing processing, sales transaction processing, evaluation processing, electronic value management processing, and the like on the electronic commerce platform.

The payment processing module 1125 is executed by the processor 111 to execute payment processing at the time of product purchase on the electronic commerce platform by each user and payment processing at the time of product purchase at the store. For example, the payment processing in the electronic commerce platform is managed by the transaction information shown in FIG. 5, and the payment processing in the store is managed by the payment information shown in FIG. Hereinafter, payment processing when a product is purchased in a store or an electronic commerce platform will be described. The payment information also includes information on payment included in the transaction information. The payment processing module 1125 may be provided on another server (for example, server 110B).

The transmission / reception unit 117 receives the purchase request for the product transmitted from the terminal 120A used by the purchaser (for example, user A). The received purchase request is stored in the memory 112 in association with the transaction information. The transaction information includes product information of the product to be purchased and payment information related to payment.

Further, the transmission / reception unit 117 receives payment information when the purchaser purchases a product at the store from the terminal 120A used by the purchaser or the POS terminal of the store. The received payment information is stored in association with the payment information stored in the memory 112.

The payment processing module 1125 executed by the processor 111 acquires payment information of the product requested to be purchased by the user from the transmission / reception unit 117 or the memory 112. For example, the payment processing module 1125 may configure an acquisition unit for acquiring payment information. Further, the payment processing module 1125 may acquire the product information of the product to be purchased and the user information of the user in order to determine whether or not the unused payment means can be selected by the user.

The payment processing module 1125 specifies the first payment means included in the payment information. For example, the payment processing module 1125 may constitute a specific unit that specifies the first payment means. Further, the payment processing module 1125 may specify the first payment means selected by the user by using the payment identification information for identifying the payment means included in the payment information. The payment processing module 1125 may specify the first payment means when the first payment means satisfies a predetermined condition. Here, the predetermined condition may be whether or not the privilege is given to the user by completing the purchase of the product using the first payment means and the examination of the first payment means.

The payment processing module 1125 acquires the examination result of whether or not the first payment means can be used if the user has not yet used the first payment means. For example, the payment processing module 1125 may constitute an acquisition unit for acquiring the examination result. As a specific example, the payment processing module 1125 may send user information to an institution that examines the user's credit information and acquire the user's credit information from this institution. The payment processing module 1125 examines whether or not the first payment means can be used based on the credit information of the user, and acquires the examination result. The unused first payment method has not yet been used for payment processing, such as a payment method that has been installed but has not been charged, or a payment method that has not been examined for use (unexamined payment method). It is a payment method. Further, the payment processing module 1125 may examine the user information of the user who has selected the unused first payment means against a predetermined examination item, perform the examination by himself / herself, and acquire the examination result.

Based on the examination result, the payment processing module 1125 performs payment processing on the product using an unused first payment means or a second payment means that can be used by the user (for example, a payment means that has already been used). For example, the payment processing module 1125 may be configured to perform payment processing using a predetermined payment means. As a specific example, the payment processing module 1125 uses the first payment means or the second payment means to process the payment of the product, for example, subtracts the electronic value of the product price from the account of the purchaser and puts it in the account of the seller. Add this electronic value. If the payment method to be settled is deferred payment or fixed amount deferred payment (eg, revolving payment: revolving payment, installment payment), the payment processing module 1125 is set at a predetermined timing (eg, a designated day of each month). A predetermined amount of electronic value may be deducted from the purchaser's account, and a predetermined amount (may be deducted from the postpaid fee) may be added to the seller's account.

Through the above processing, it is possible to promote the use of unused payment methods by allowing the user to select an unused payment method at the time of payment, and to increase the choices of payment methods for the user. Can be done. In addition, the user can be made to experience as if the payment was made by an unused payment means before the examination. In addition, when making an unused payment means selectable to the user, the use of this payment means may be proposed to the user. For example, the selection of unused payment methods may be highlighted.

Further, the payment processing module 1125 includes associating the second payment means with the payment processing of the product when the specified first payment means is not used. For example, the payment processing module 1125 may configure a matching unit that associates the payment means with the payment processing. As a specific example, when the payment processing module 1125 is specified to be an unused first payment means, the payment processing module 1125 is used by the user before the examination of the first payment means is performed. The second payment means may be provisionally associated with the payment processing.

In this case, when the settlement processing module 1125 performs the settlement process, if the examination result of the first settlement means is unavailable (examination fails), the settlement processing module 1125 makes a settlement using the second settlement means associated in advance. For example, since the payment processing module 1125 is already associated with the second payment means, even if the examination result for the use of the first payment means is not available, the payment processing module 1125 does not associate with another payment means. The association of the second payment means may be maintained and the payment processing may be performed.

By the above processing, even if the first payment method fails the examination, the user does not have to reselect the payment method by associating the second payment method that has been used before the examination. The system can execute smooth payment processing.

In addition, when the first payment method is a fixed amount deferred payment including revolving payment, if the examination of the first payment method does not pass (examination fails), purchase with the payment method that can be used as payment processing by itself. However, it may be a condition for selecting the first payment method. This prevents the user from purchasing products that exceed the payment capacity, which can contribute to the cumulative avoidance of revolving payments.

Further, when the second payment means is associated with the payment processing before the examination, the payment processing module 1125 changes the associated second payment means to the first payment means if the examination result indicates that it is available. May include. For example, the payment processing module 1125 may constitute a change unit that changes the payment means. As a specific example, when the examination result of the first payment means indicates that the payment processing module 1125 is available, the second payment means associated with the payment processing of the user's product is used as the first payment means that has passed the examination. change.

By the above processing, after the examination result is acquired, the system changes the first payment means to be associated with the payment processing when the user can use it. Therefore, the payment processing is appropriately performed by the first payment means having the ability to pay. Can be executed.

Further, when the user selects an unused first payment means, the payment processing module 1125 obtains approval for payment by the second payment means if the examination result of the first payment means indicates that the first payment means cannot be used. You may do more of that. For example, the payment processing module 1125 obtains in advance approval from the user to make a payment by another payment means when the examination of the first payment means is not passed. It should be noted that another payment means may be designated in advance by the user, and the payment means designated in advance may be limited to the payment means available to the user at the time of designation.

In this case, the payment processing module 1125 causes the user to display a screen for obtaining this approval on the user's terminal 120 at a timely timing. The timely timing is one of the timings such as when the user information is set, when the product is purchased, and when the first payment means is proposed. For example, the user selects an alternative payment method from the approval screen when the examination of the first payment method is not passed, and presses the approval button, so that the payment processing module 1125 obtains the approval and the alternative payment method. It is possible to get it.

By the above processing, if the examination result of the first payment method is not passed, the user can approve the payment by the alternative payment method in advance in the flow of the payment process. It is possible to omit the process of having the user select an alternative payment method.

Further, the payment processing module 1125 may determine whether or not the unused first payment means can be selected based on the user conditions determined by the information of the user who requests the purchase of the product. The payment processing module 1125 may configure a determination unit for determining whether or not an unused first payment means can be selected based on a predetermined condition. The user condition may be at least one of the conditions listed below, or any plurality of conditions may be combined.
-When it is determined that the user has a certain level of ability to pay the price based on the transaction record of the e-commerce platform or store: Selectable-The user of the transaction record, settlement history, clearing history, etc. of the e-commerce platform or store If it is determined that the user's solvency calculated based on the attributes is constant: Selectable ・ Not underage (must be at least the legal age for use based on the relevant law): Selectable ・ From the user The collection rate of the loan collection is above a certain value: selectable ・ The credit amount of the user is above a certain value: selectable ・ Not passed the examination of the first payment method in the past: not selectable ・ Cancellation of the first payment method in the past Have done: Not selectable ・ Satisfy the conditions for applying for the first payment method (eg, credit 10,000 yen or more, no delinquency history, etc.): Selectable
・ The settlement history of the second payment method (eg, deferred payment) is more than the specified number of times: selectable ・ There is no delay in debt repayment: selectable

By the above processing, by using the user condition based on the user information, the first payment method can be selected for the user who is likely to pass the examination result of the first payment means, so that the user who is likely to fail the examination can be selected. The examination process can be reduced and the process efficiency can be improved.

Further, the payment processing module 1125 may determine whether or not the unused first payment means can be selected based on the product conditions determined by the product information of the product requested for purchase. The product condition may be at least one of the conditions listed below, or any plurality of conditions may be combined.
・ If the store or product category is a specified store or product (for example, gambling): Not selectable ・ Store / category / price range with low deferred payment collection rate: Not selectable ・ Use of the first payment method / settlement as a scheme Stores / categories that cannot be selected (for example, the ticket price cannot be paid later in a given combination): Not selectable ・ Stores / categories / price ranges used by users who purchase using the first payment method, and the first 1 Stores / categories / price ranges with a low screening pass rate for payment methods: Not selectable ・ The amount of purchased products is outside the specified range (below the lower limit and / or above the upper limit): Not selectable

By the above processing, the examination processing can be reduced by making it possible to select the first payment method for the user who is likely to pass the examination result of the first payment method by using the product conditions based on the product information. , Processing efficiency can be improved. In addition, user conditions and product conditions may be combined as appropriate.

Further, the payment processing module 1125 may determine the user condition or the product condition used for the selection determination of the unused first payment means based on the actual results of the first payment means of another user. The achievements of other users include those listed below, but at least one of the following may be used, or any plurality of them may be combined.
-The function that enables the selection of the first payment method has been used by another user more than a predetermined number of times: Selectable-The screening pass rate of similar users similar to the user who received the purchase request is a predetermined value or more: Select Possible ・ The screening pass rate of other users in the product category / price range is above the specified value: selectable

By the above processing, the first payment method can be selected for the user who is likely to pass the examination result of the first payment method by using the user conditions and product conditions based on the achievements of other users. , The examination process can be reduced, and the efficiency of the process can be improved.

In addition, the payment processing module 1125 prompts an application for examination after the first payment method (eg, fixed amount deferred payment) is selected in a pseudo manner at the time of purchase. In this case, the payment processing module 1125 determines whether or not all the information necessary for the examination has been input.

For example, the payment processing module 1125 adjusts the number of times to notify the reminding of the completion of the examination based on the user information or the product information if all the information necessary for the examination is not input and the examination is not completed. When the examination of the first payment means uses the information input or set by the user, the examination is not accepted until the input or setting of all the information is completed. Therefore, if the input screen is changed to another screen during the information input, or if the predetermined time has passed, it is determined that the examination has been withdrawn, and the information input may be reminded at a predetermined timing. The number of reminders is increased for users who meet at least one of the conditions listed below.
-Among the users who use the selection function of the first payment method, they have not purchased products in the store / category / price range with a low flat-rate payment screening pass rate.-Use this function to purchase more than a certain number of products. Purchased ・ Application procedure has started but not completed ・ Application procedure can be completed more easily than other users (eg, identity verification, automatic withdrawal setting, among the necessary items (More than the specified number of items have already been entered or set)

By the above processing, it is possible to complete the examination by prompting the user who has left the examination to input or set the necessary information.

Further, the payment processing module 1125 may make it impossible to select the first payment means for a user who does not have a predetermined second payment means that can be used. For example, when the predetermined second payment method is deferred payment and the first payment method is a fixed amount deferred payment, the payment processing module 1125 uses a payment method (predetermined second payment method) for which a user pays later. If not, the fixed amount deferred payment (first payment method) cannot be selected.

By the above processing, the user who is unlikely to use the first payment method cannot select the first payment method, so that it is not necessary to increase the options of the payment method unnecessarily.

The timing for allowing the selection of the first payment method and proposing the first payment method to the user is when the user selects a predetermined second payment method (deferred payment) or the cumulative amount of the deferred payment is the upper limit. There may be cases where the value is exceeded.

Even if the user selects the first payment method, the timing of associating another payment method (for example, the second payment method) with the payment process is one of the time when the product is purchased, the time when the examination fails, and the time when the examination is withdrawn. There can be a point in time.

Further, when the user selects a predetermined second payment method (for example, postpayment), the payment processing module 1125 may propose to the user the selection of the first payment method. As a method of the proposal, a UI component for selecting the first payment means may be displayed in association with the selection of the second payment means. In this case, since it is premised that the user selects deferred payment, it is easy to obtain credit even in the case of a fixed amount deferred payment having a deferred payment function as well. For example, it is equivalent to being able to make a reservation to settle this product with a fixed amount of deferred payment when purchasing the product with deferred payment. In addition, the user may be prompted to apply for a flat-rate deferred payment by pop-up or the like immediately after purchasing the product with deferred payment. Note that the payment processing module 1125 does not have to propose the selection of the first payment means when the user selects a payment means other than the predetermined second payment means (for example, balance payment). When the user selects a predetermined second payment method (for example, postpay), the payment processing module 1125 selects the payment method selected by the user similar to the user or the payment method most selected from the past statistics. As the first payment means, the user may be proposed to select the first payment means. User similarity may be determined based on at least one of the goods traded (sold) on the e-commerce platform, available payment methods, balance amount, and user attribute information (gender, age, etc.). ..

Also, if the user selects an unused first payment method (for example, fixed amount deferred payment) when purchasing a product on the electronic commerce platform, it is assumed that this user withdraws from the examination or fails the examination. At this time, the payment processing module 1125 may forcibly settle the payment by the second payment means available to the user as described above, but may cancel the purchase of the product. Any one of the payment processing modules 1125 may be set in advance.

As a process when the product purchase is canceled, the transaction control module 1124 sets the transaction status of this product on the electronic commerce platform to "Sold Out" (completed) at the time of the product purchase request. While waiting for the examination result, the transaction status is maintained as "Sold Out". Next, in the case of withdrawal from examination or failure of examination, the status of the transaction is changed to "in transaction". When the server (for example, server 110A) in the electronic commerce platform is different from the payment server (for example, server 110B), the status change command is transmitted and received between the servers.

Note that the one or more processors 111 read and execute each module from the memory 112 as needed. For example, one or more processors 111 may configure a transaction control unit and a payment processing unit, respectively, by executing the transaction control module 1124 and the payment processing module 1125.

(2) Configuration of terminal 120
The terminal 120 has a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmission / reception unit 127, and a reading unit 128.

The process, function or method executed by the processor 121 may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible. It was

The input device 125 accepts various operations and the like from the user of the terminal 120.

The transmission / reception unit 127 transmits / receives data to / from the server 110 or the like according to the instruction of the processor 121. The transmission / reception unit 127 connects, for example, a session for communication with the server 110 using HTTPS or the like when logging in to the server 110. Then, the communication address and the like of the server 110 are 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 processor 121 performs a process of using a predetermined service provided by the server 110.

Memory 122, in certain embodiments, stores the following programs 1221, modules and data structures, or subsets thereof.

As described above, the program 1221 is a program loaded from the storage 123, and includes instructions and the like related to each embodiment.

The transaction processing module 1222 executes a process of buying and selling a product on the electronic commerce platform. For example, the transaction processing module 1222 executes a process of listing a product or purchasing a product on an electronic commerce platform. Further, the transaction processing module 1222 executes a payment process using a two-dimensional code or the like when purchasing a product at a store.

The display control module 1223 controls to display screen data related to the electronic commerce platform on the output device 126. For example, the display control module 1223 controls to display a screen for listing a product, controls to display a screen confirming the use of a factoring scheme, and controls to display a screen for purchasing a product. Or something. Further, the display control module 1223 may control to display a two-dimensional code or the like including user information on the screen at the time of payment at the store.

Note that the one or more processors 121 read each module from the memory 122 and execute it as needed. For example, one or more processors 121 may configure a transaction processing unit and a display control unit by executing each of the transaction processing module 1222 and the display control module 1223.

<Operation processing of the embodiment>
The processing of the information processing system 1 according to the embodiment will be described with reference to FIG. FIG. 6 shows an example of the processing sequence of the information processing system 1 according to the embodiment. The process shown in FIG. 6 is an example in which product purchase on the electronic commerce platform is taken as an example, and management on the electronic commerce platform and management of payment processing are performed on the server 110.

(Step S102)
The transaction processing module 1222 of the user's terminal 120 receives the login request of the application on the electronic commerce platform from the user, and makes the login request to the server 110.

(Step S104)
When the transaction control module 1124 of the server 110 receives the login request, the transaction control module 1124 performs the user authentication process. At this time, the payment processing module 1125 determines the payment means that can be selected by this user based on the user condition that uses the user information of the authenticated user. For example, the payment processing module 1125 may determine whether or not the user can select an unused first payment means. The determination of the first settlement means does not necessarily have to be performed at this timing, and may be performed after step S112 or the like.

(Step S106)
The payment processing module 1125 of the server 110 notifies the user's terminal 120 of the payment means that can be selected.

(Step S108)
The transaction processing module 1222 of the user's terminal 120 accepts the browsing of the product on the electronic commerce platform, and executes the purchase process for the product when the user requests the purchase of the product.

(Step S110)
The transaction processing module 1222 of the user's terminal 120 selects a payment means for paying the price of the goods in the purchase processing. For example, suppose the user selects the first payment method.

(Step S112)
The transmission / reception unit 127 of the user's terminal 120 transmits the transaction information including the product information for making a purchase request, the user information, and the settlement information of the selected settlement to the server 110.

(Step S114)
The payment processing module 1125 of the server 110 acquires payment information from the received transaction information.

(Step S116)
The payment processing module 1125 of the server 110 identifies the payment means selected by the user based on the acquired payment information. At this time, the first payment means selected by the user is specified by the identification information of the payment information included in the payment information.

(Step S118)
The payment processing module 1125 of the server 110 executes an examination process as to whether or not the user can use the first payment means. Regarding the examination process, for example, the payment processing module 1125 transmits the information of the user who is planning to purchase the product to a third party organization such as CIC, and acquires the credit information of this user. The payment processing module 1125 uses the credit information acquired from the third party to determine whether or not the user can use the first payment means. If the credit information includes information on a predetermined item such as a credit settlement delay, the payment processing module 1125 determines that the first payment means cannot be used.

(Step S120)
The payment processing module 1125 of the server 110 acquires the examination result examined using the credit information acquired from the third party organization. At this time, the payment processing module 1125 associates the first payment means with the payment processing when it is determined that the first payment means can be used, and when the first payment means cannot be used, the payment processing module 1125 is used for the payment processing. 2 Associate payment means. If the payment means specified by the user in step S116 is a payment means already available to the user, the processes of steps S118 and S120 are not executed.

(Step S122)
The payment processing module 1125 of the server 110 notifies the user terminal 120 of the examination result including the availability of the first payment means via the transmission / reception unit 117. The notification of the examination result may be transmitted to the terminal 120 only when the examination result indicates that it cannot be used.

(Step S124)
The display control module 1223 of the user's terminal 120 controls to display the acquired examination result on the screen. Here, if the examination result indicates that it is not available, the display control module 1223 may allow the user to select an alternative payment means.

(Step S126)
The payment processing module 1125 of the server 110 executes the payment processing by the payment means associated with the payment processing of the product. For example, if the first payment means is a fixed amount deferred payment, the payment processing module 1125 is set so that the fixed amount is deducted from the user's account at a predetermined timing (predetermined date).

(Step S128)
The payment processing module 1125 of the server 110 notifies the user terminal 120 of the completion of the purchase of the product via the transmission / reception unit 117.

(Step S130)
The display control module 1223 of the user's terminal 120 controls to display on the screen that the purchase of the product is completed.

Note that each process shown in FIG. 6 is an example, and the timing of associating the payment means with the payment process may be a timely timing other than the timing of S120. Further, each process shown in FIG. 6 can also be applied to the case of purchasing a product at a store using the user's terminal 120. At that time, only necessary processing may be executed.

<Screen example>
Next, an example of a screen displayed on the user's terminal 120 will be described with reference to FIG. 7. FIG. 7 shows a transition example of the screen of the terminal 120 according to the embodiment. In the example shown in FIG. 7, the screen D102 shows an example of a product browsing page. When the user presses the "Go to purchase procedure" button at the lower right of the screen D102, the screen D104 is displayed.

Screen D104 shows an example of the purchase procedure screen. On the purchase procedure screen, you can select the payment method. On the screen D104, the user can select an unused flat-rate deferred payment. Here, when the user presses the item of "payment method", the screen D106 is displayed.

Screen D106 shows an example of a payment method selection screen. A plurality of payment methods (payment methods) are displayed on the payment method selection screen and can be selected by the user. Here, when the user presses the item of "fixed amount deferred payment" from "fixed amount deferred payment", "convenience payment", "deferred payment", and "balance payment", the screen D108 is displayed.

Screen D108 shows an example of a fixed-amount deferred payment simulation screen. On the simulation screen, the total price (20,000 yen), the fixed amount (5,000 yen), and the monthly settlement image (principal + commission) are displayed. It should be noted that these information are transmitted from the transaction control module 1124 of the server 110 and displayed on the screen by the display control module 1223 of the terminal 120. After that, when the user presses the back button on the upper left of the screen twice, the screen D104 is displayed again.

On the screen D104, when the user presses the "purchase" button with the fixed amount deferred payment selected, the screen D110 is displayed.

Screen D110 shows an example of a purchase completion screen. Since the purchase completion screen is displayed, the user can recognize that the examination of the payment method for the fixed amount deferred payment, which has not been used until now, has passed.

The disclosed technique is not limited to the above-described embodiment, and can be implemented in various other forms within a range that does not deviate from the gist of the disclosed technique. For example, the above-mentioned processing steps can be arbitrarily changed in order or executed in parallel within a range that does not cause a contradiction in the processing contents.

For example, in the above-described embodiment, an example in which the management in the electronic commerce platform and the management in the electronic payment are executed on the same server 110 has been described. However, the server 110A manages the electronic commerce platform and the server 110B manages the electronic payment. May be managed.

Cross-reference of related applications

This application is based on Japanese Patent Application No. 2020-205769 filed on December 11, 2020, and the contents of the description are incorporated herein by reference.

1 ... Information processing system, 110 ... Server, 111 ... Processor, 112 ... Memory, 113 ... Storage, 114 ... Input / output I / F, 115 ... Input device, 116 ... Output device, 117 ...
Transmission / reception unit, 120 ... terminal, 121 ... processor, 122 ... memory, 123 ... storage, 124 ... input / output I / F, 125 ... input device, 126 ... output device, 127 ... transmission / reception unit, 1124 ... transaction control module, 1125 ... Payment processing module, 1222 ... Transaction processing module, 1223 ... Display control module

Claims (10)

1. Information processing equipment
   Acquiring payment information for products requested by users to purchase,
   Identifying the first payment method included in the payment information,
   When the user has not used the first payment means, the examination result of whether or not the first payment means can be used is acquired.
   An information processing method for executing payment processing for the product using the first payment means or the second payment means available to the user based on the examination result.
2. The information processing device
   When the first payment means is not used, the second payment means is further associated with the payment processing of the product.
   The information processing method according to claim 1, wherein performing the settlement processing includes making a settlement using the associated second settlement means when the examination result indicates that the examination result is unavailable.
3. The association is
   The information processing method according to claim 2, wherein when the examination result indicates availability, the associated second payment means is changed to the first payment means.
4. The information processing device
   When the user selects an unused first payment means, if the examination result of the first payment means is unavailable, further execution is performed to obtain approval for payment by the second payment means. The information processing method according to any one of claims 1 to 3.
5. The information processing device
   The invention according to any one of claims 1 to 4, further performing determining whether or not an unused first payment means can be selected based on the user condition determined by the user's information. Information processing method.
6. The information processing device
   The invention according to any one of claims 1 to 5, further performing determining whether or not an unused first payment method can be selected based on the product conditions determined by the product information. Information processing method.
7. The information processing method according to claim 5 or 6, wherein the user condition or the product condition used for the selection determination of the unused first payment means is determined by the actual results of the first payment means of another user. ..
8. The information processing device
   The information processing method according to any one of claims 1 to 4, further executing the non-selectability of the first payment means for a user who does not have a predetermined second payment means that can be used. ..
9. For information processing equipment
   Receiving payment information for products requested by users to purchase
   Identifying the first payment method included in the payment information,
   When the user has not used the first payment means, the examination result of whether or not the first payment means can be used is acquired.
   Based on the examination result, the payment processing for the product is performed using the first payment means or the second payment means available to the user.
   Information processing method to execute.
10. An information processing device that includes one or more processors.
    The one or more processors
    Receiving payment information for products requested by users to purchase
    Identifying the first payment method included in the payment information,
    When the user has not used the first payment means, the examination result of whether or not the first payment means can be used is acquired.
    Based on the examination result, the payment processing for the product is performed using the first payment means or the second payment means available to the user.
    Information processing device that executes.

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