Program, information processing method, and information processing device

Abstract

To enable an exhibitor to receive a payment early on electronic commerce platform.SOLUTION: An information processing method is characterized in that an information processing device that provides electronic commerce services receives a listing request of products by an exhibitor, accepts purchase of a product, accepts a product shipping or receipt notification, and links at least a portion of the payment of the product to the exhibitor between reception of the listing request and reception of the shipping or receipt notification.SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present disclosure relates to a program, an information processing method, and an information processing device. [Background technology]

[0002] Systems that mediate private sales on electronic commerce platforms such as CtoC (Customer To Customer) marketplaces have been disclosed for some time now (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2001-167163 A Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional e-commerce platforms, sellers receive payment for items only after they deliver the items to the buyers and the buyers confirm receipt. Therefore, even if sellers want to receive payment quickly when they list items, it takes a long time before they actually receive payment.

[0005] Therefore, an object of the present disclosure is to provide an information processing method, a program, and an information processing device that enable sellers to receive payment promptly on an electronic commerce platform. [Means for solving the problem]

[0006] An information processing method according to one embodiment of the present disclosure includes an information processing device providing an electronic commerce service that receives a request from a seller to list a product, accepts a purchase of the product, accepts a shipping notification or a receipt notification of the product, and associates at least a portion of the price of the product with the seller between receiving the listing request and accepting the shipping notification or the receipt notification. [Brief description of the drawings]

[0007] [Figure 1] A figure showing an example of the configuration of an information processing system relating to one aspect of an embodiment, an example of the hardware configuration of a server relating to the disclosure, an example of the hardware configuration of a terminal relating to the present disclosure, and an example of a block diagram showing the configuration of an information processing system relating to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating a hardware configuration of a server 150 included in an information processing system 1 according to an embodiment. [Diagram 3] FIG. 4 is a diagram showing an example of user information stored in a memory of the server 110 according to the first embodiment. [Figure 4] FIG. 2 is a diagram showing an example of transaction information stored in a memory of the server 110 according to the first embodiment. [Diagram 5] FIG. 4 is a diagram showing an example of account information stored in a memory of a user's server 150 according to the first embodiment. [Figure 6] 2 is a diagram for explaining a processing example of the information processing system 1 according to the first embodiment. FIG. [Figure 7] FIG. 2 is a diagram showing an example of a processing sequence of the information processing system 1 according to the first embodiment. [Figure 8] FIG. 11 is a diagram for explaining a processing example of the information processing system 1 according to the second embodiment. [Figure 9] FIG. 11 is a diagram showing an example of a processing sequence of the information processing system 1 according to the second embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0008] <Legal compliance> The disclosure described herein is implemented in compliance with the laws and regulations of the countries in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, modifications, or alterations that a person skilled in the art can make that are necessary to comply with the laws and regulations of the countries.

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment for implementing an information processing method, a program, and an information processing device according to the present disclosure will be described with reference to the drawings.

[0010] <System configuration> 1 discloses a configuration of an information processing system 1 according to an embodiment of the present disclosure. In the information processing system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, a terminal 120C, and a server 150 that manages accounts for electronic commerce and processes payments are connected via a network 130.

[0011] When there is no need to distinguish between server 110A and server 110B, server 110A and server 110B may each be expressed as server 110. Note that the number of servers 110 connected to network 130 is not limited.

[0012] When there is no need to distinguish between terminal 120A, terminal 120B, and terminal 120C, terminal 120A, terminal 120B, and terminal 120C may each be expressed as terminal 120. Note that the number of terminals 120 connected to network 130 is not limited.

[0013] The servers 110 and 150 provide a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, a social networking service (SNS) represented by an instant messaging service, a content providing service such as music, videos, and books, and the like. The servers 110 and 150 may provide one or more predetermined services individually, or may provide one or more predetermined services in combination. The servers 110 and 150 provide a predetermined service to one or more terminals 120, so that the user can use the predetermined service via the terminal 120.

[0014] If necessary, the terminal used by user X is expressed as terminal 120X, and information associated with the user in a predetermined service associated with user X or terminal 120X is expressed as user information X. User information can include, by way of example and without limitation, information associated with the user, such as the user's name, user's icon image, user's age, user's sex, user's address, user's hobbies and interests, and user's identifier, which is input by the user or given by a predetermined service, balance information of electronic value (electronic money) associated with the user, credit card information (such as a credit card number) associated with the user, and the like.

[0015] The network 130 connects two or more servers 110, 150, or two or more terminals 120. The network 130 provides a connection path so that the terminal 120 can transmit and receive data after connecting to the servers 110, 150.

[0016] One or more portions of network 130 may be a wired network or a wireless network. Network 130 may be, for example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the Public Switched Telephone Network (PSTN), a cellular network, Integrated Service Digital Networks (ISDNs), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth, satellite communications, or any combination thereof. Network 130 may include one or more networks 130.

[0017] Servers 110, 150 and terminal 120 may be any information processing device capable of implementing the processes, functions or methods described in this disclosure.

[0018] Servers 110, 150 and terminal 120 may be, for example and without limitation, a smartphone, a mobile phone (feature phone), a computer (for example and without limitation, a desktop, laptop, tablet, etc.), a server device, a media computing platform (for example and without limitation, a cable or satellite set-top box, digital video recorder, etc.), a handheld computing device (for example and without limitation, a PDA (Personal Digital Assistant), email client, etc.), a wearable terminal (for example and without limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or communication platforms, or any combination of these may be used.

[0019] <Hardware configuration of each information processing device> (1) Server hardware configuration The hardware configuration of a server 110 included in the information processing system 1 will be described with reference to FIG.

[0020] 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. The hardware components of the server 110 are connected to each other via a bus B, for example and not for limitation.

[0021] The server 110 realizes the processes, functions, or methods described in this disclosure through cooperation between the processor 111, memory 112, storage 113, input / output I / F 114, and transmission / reception unit 117.

[0022] The processor 111 executes a process, function, or method realized by a code or instruction included in a program stored in the storage 113. The processor 111 includes, but is not limited to, one or more central processing units (CPUs), MPUs (Micro Processing Units), GPUs (Graphics Processing Units), microprocessors, processor cores, multiprocessors, ASICs (Application-Specific Integrated Circuits), FPGAs (Field Programmable Gate Arrays), etc., and may realize the processes, functions, or methods disclosed in each embodiment by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc. Furthermore, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Furthermore, an LSI may be called a VLSI, a super LSI, an ultra LSI, etc., depending on the degree of integration.

[0023] The memory 112 temporarily stores the program 1121 loaded from the storage 113, and provides a working area for the processor 111. The memory 112 also temporarily stores various data generated while the processor 111 is executing the program. The memory 112 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), etc., or a combination of these. The storage 113 stores the program and various data. The storage 113 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, etc., or a combination of these.

[0024] 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 results of processing by the server 110 .

[0025] The input device 115 is realized by any one of all types of devices or a combination thereof that can receive input from a user and transmit information related to the input to the processor 111 via the input / output I / F 114. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input via voice), or a combination of these.

[0026] The output device 116 is realized by any one of all types of devices capable of outputting the processing result processed by the processor 111 via the input / output I / F 114, or a combination thereof. When the processing result is output as a video or a moving image, the output device 116 is realized by any one of all types of devices capable of displaying the display data written in the frame buffer, or a combination thereof. The output device 116 may be, for example and without limitation, a touch panel, a touch display, a monitor (for example and without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HMD: Head Mounted Display), a projection mapping, a hologram, a device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, etc., or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

[0027] The input device 115 and the output device 116 may be integrated together, or the input device 115 and the output device 116 may be separate devices.

[0028] The transmitting / receiving unit 117 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the mutual communication can be performed. The transmitting / receiving unit 117 has a function of performing communication with other information processing devices via the network 130. The transmitting / receiving unit 117 transmits various data to other information processing devices according to instructions from the processor 111. The transmitting / receiving unit 117 also receives various data transmitted from other information processing devices and transmits the data to the processor 111.

[0029] (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.

[0030] The terminal 120 includes a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmitting / receiving unit 127, and a reading unit 128. The hardware components of the terminal 120 are connected to each other via a bus B, for example and not for limitation.

[0031] The terminal 120 realizes the processing, functions, or methods described in this disclosure through cooperation between the processor 121, memory 122, storage 123, input / output I / F 124, input device 125, output device 126, transmission / reception unit 127, and reading unit 128.

[0032] The processor 121 executes a process, function, or method realized by a code or instruction included in a program stored in the storage 123. The processor 121 includes, but is not limited to, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), and the like, and may realize the process, function, or method disclosed in each embodiment by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large scale integration (LSI)), etc.). These circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. The LSI may also be called a VLSI, a super LSI, an ultra LSI, etc., depending on the degree of integration.

[0033] The memory 122 temporarily stores the program 1221 loaded from the storage 123, and provides a working area for the processor 121. The memory 122 also temporarily stores various data generated while the processor 121 is executing the program 1221. The memory 122 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), or the like, or a combination of these.

[0034] The storage 123 stores programs and various data. The storage 123 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0035] The input / output I / F 124 is connected to an input device 125 for inputting various operations to the terminal 120 , and to an output device 126 for outputting the results of processing performed by the terminal 120 .

[0036] The input device 125 is realized by any one or a combination of all kinds of devices that can receive input from a user and transmit information related to the input to the processor 121. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input by voice), or a combination of these.

[0037] The output device 126 is realized by any one of all types of devices capable of outputting the processing results processed by the processor 121, or a combination thereof. When the processing results are output as video or video images, the output device is realized by any one of all types of devices capable of displaying the display data written in the frame buffer, or a combination thereof. The output device may be, but is not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HMD), a projection mapping, a hologram, a device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, etc., or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

[0038] The input device 125 and the output device 126 may be integrated, or may be separate. The input device 125 and the output device 126 do not necessarily have to be provided in the server 110.

[0039] The transmitting / receiving unit 127 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the mutual communication can be performed. The transmitting / receiving unit 127 has a function of performing communication with other information processing devices via the network 130. The transmitting / receiving unit 127 transmits various data to other information processing devices according to instructions from the processor 121. The transmitting / receiving unit 127 also receives various data transmitted from other information processing devices and transmits it to the processor 121.

[0040] (3) Hardware configuration of server 150 The hardware configuration of the server 150 included in the information processing system 1 will be described with reference to FIG.

[0041] The server 150 includes a processor 151, a memory 152, a storage 153, an input / output I / F 154, an input device 155, an output device 156, a transmission / reception unit 157, and a reading unit 158. The hardware components of the server 150 are connected to each other via a bus B, for example and not for limitation.

[0042] The server 150 realizes the processing, functions, or methods described in this disclosure through cooperation between the processor 151, memory 152, storage 153, input / output I / F 154, input device 155, output device 156, transmission / reception unit 157, and reading unit 158.

[0043] The processor 151 executes a process, function, or method realized by a code or instruction included in a program stored in the storage 153. The processor 151 includes, but is not limited to, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), and the like, and may realize the process, function, or method disclosed in each embodiment by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large scale integration (LSI)), etc.). These circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. The LSI may also be called a VLSI, a super LSI, an ultra LSI, etc., depending on the degree of integration.

[0044] The memory 152 temporarily stores the program 1521 loaded from the storage 153, and provides a working area for the processor 151. The memory 152 also temporarily stores various data generated while the processor 151 is executing the program 1521. The memory 152 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), or the like, or a combination of these.

[0045] The storage 153 stores programs and various data. The storage 153 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0046] The input / output I / F 154 is connected to an input device 155 for inputting various operations to the terminal 120 , and an output device 156 for outputting the results of processing by the server 150 .

[0047] The input device 155 is realized by any one of all types of devices or a combination thereof that can receive input from a user and transmit information related to the input to the processor 151. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input by voice), or a combination of these.

[0048] The output device 156 is realized by any one of all kinds of devices capable of outputting the processing result processed by the processor 151, or a combination thereof. When the processing result is output as a video or a moving image, the output device is realized by any one of all kinds of devices capable of displaying the display data written in the frame buffer, or a combination thereof. The output device may be, but is not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HMD), a projection mapping, a hologram, a device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, etc., or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

[0049] The input device 155 and the output device 156 may be integrated, or may be separate. The input device 155 and the output device 156 do not necessarily have to be provided in the server 150.

[0050] The transmitting / receiving unit 157 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The transmitting / receiving unit 157 has a function of performing communication with other information processing devices via the network 130. The transmitting / receiving unit 157 transmits various data to other information processing devices according to instructions from the processor 151. In addition, the transmitting / receiving unit 157 receives various data transmitted from other information processing devices and transmits it to the processor 151.

[0051] (4)Other Cloud computing, which is configured with one or more information processing devices, may implement at least a part of the processes, functions, or methods in the servers 110 and 150 or the terminal 120.

[0052] The other information processing device may realize at least a part of the processes, functions, or methods of the server 110, 150, or the terminal 120. In this case, a processor of the other information processing device may realize at least a part of the processes realized by the processor 111 or the processor 121.

[0053] A program for executing the processes of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-transitory tangible medium." The program may be, for example and without limitation, a software program or a computer program.

[0054] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc.), hard disk drives (HDDs), hybrid hard drives (HHDs), optical disks, optical disk drives (ODDs), magneto-optical disks, magneto-optical drives, floppy diskettes, floppy disk drives (FDDs), magnetic tapes, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or combinations thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

[0055] Furthermore, the program of the present disclosure may be provided to the servers 110, 150, or the terminal 120 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0056] Furthermore, each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

[0057] In addition, the programs of the present disclosure may be implemented using, for example and without limitation, scripting languages ​​such as JavaScript (registered trademark) and Python, C language, Go language, Swift, Kotlin, Java (registered trademark), etc.

[0058] <Other> Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not required, and a specified process may be performed when the judgment condition is satisfied, or a specified process may be performed when the judgment condition is not satisfied.

[0059] The present disclosure encompasses all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make to the present disclosure. The appended claims also encompass all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make to the claims. Furthermore, the present disclosure encompasses any combination of one or more features of an embodiment or example in the present disclosure with one or more features of another embodiment or example in the present disclosure that a person skilled in the art may make.

[0060] In addition, references in the appended claims to an apparatus or system, or a component of an apparatus or system, that is adapted, arranged, capable, configured, enabled, operable, or capable of performing a particular process, function, or method encompass that apparatus, system, component, whether or not the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or capable of performing.

[0061] In the present disclosure, unless otherwise specified, consent may be obtained from a user in advance or immediately before the implementation of any embodiment or example. In addition, the consent obtained may be comprehensive or may be obtained on a case-by-case basis.

[0062] First Embodiment The first embodiment utilizes a factoring scheme to transfer the seller's right to claim the purchase price after the sale of the item is completed to a business entity other than the business entity operating the e-commerce platform, enabling the seller to receive payment from the other business entity.

[0063] The first embodiment utilizes a factoring scheme to enable the seller to receive payment promptly before receipt of the goods is confirmed, for example, after a sale is completed for the goods, and has the effect of eliminating the need for a money lending license.

[0064] <Configuration of the First Embodiment> The configurations of the server 110, the terminal 120, and the server 150 will be described with reference to FIGS. (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 .

[0065] The processes, functions, or methods that can be executed by the processor 111 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0066] The input / output I / F 114 receives various setting operations and the like from businesses operating various services provided by the server 110 via an input device 115 or an output device 116 .

[0067] The transmitting / receiving unit 117 transmits and receives data to and from the terminal 120, etc., in accordance with instructions from the processor 111. When the user of the terminal 120, etc., is authenticated by a user ID and password included in a login request from the terminal 120, etc., the transmitting / receiving unit 117 connects a communication session using HTTPS or the like with the terminal 120, etc. Then, the transmitting / receiving unit 117 stores the communication address, user ID, etc. of the terminal 120, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 117 transmits data to the terminal 120, etc., using the connected communication session.

[0068] In the first embodiment, the memory 112 stores the following programs 1121, user information 1122, transaction information 1123, transaction control module 1124, bond management module 1125, and data structures, or a subset thereof.

[0069] As described above, the program 1121 is a program loaded from the storage 113, and includes instructions related to the processing in the first embodiment.

[0070] The user information 1122 includes information of users registered on the e-commerce platform. The user information 1122 may also be shared with businesses operating factoring schemes.

[0071] FIG. 3 shows an example of the user information 1122 according to the first 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 the user. The "email address" includes the 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 in transactions calculated according to a predetermined standard. The "transaction evaluation" includes an evaluation value evaluated by the other party in the buying and selling transaction. The "asset amount" includes the total price of the goods owned by the user or registered in the electronic commerce platform. The price of the goods may be calculated based on the transaction history on the electronic commerce platform at a predetermined timing. For example, if the representative value of the price of the goods traded in month N is higher than the representative value of the price of the goods traded in month N-1, the price of the goods calculated in month N may be calculated higher than the price of the goods calculated in month N-1.

[0072] FIG. 4 shows an example of transaction information 1123 according to the first embodiment. The "seller ID" includes the user ID of the seller user. The "product name" and "description" include the description of the product. The "price" includes the selling price of the product. The "product name", "description", and "price" are included in the product listing information, and other information may be included in the listing information. The "listing time" includes the time when the product was listed. The "status" includes the status of the transaction in electronic commerce. The status includes "in transaction" indicating that a transaction is currently in progress, "in negotiation" indicating that negotiation is in progress with the buyer user, and "completed" indicating that the product has been sold. The "purchaser ID" includes the user ID of the user who purchased the product. The "FS (Factoring Scheme) consent" includes data indicating whether or not the user has consented to the factoring scheme. The consent to the factoring scheme may be given in advance or each time a transaction is made.

[0073] 1, the transaction control module 1124 stored in the memory 112 controls buying and selling transactions in the electronic commerce platform by being executed by the processor 1111. For example, the transaction control module 1124 controls user registration, listing processing, buying and selling transaction processing, evaluation processing, management processing of electronic value, etc. in the electronic commerce platform.

[0074] The receivables management module 1125 is executed by the processor 111 to manage receivables of the right to claim the sales price when a factoring scheme is used. For example, the receivables management module 1125 changes the receiver (payee) of the payment when the receivables are assigned. The process related to the assignment of receivables will be described below.

[0075] The transmission / reception unit 117 receives a request for a seller (e.g., user A) to put up an item for sale, which is sent from the terminal 120A used by the seller. The received request for a seller is stored in the memory 112 in association with the user ID and the like. The transaction control module 1124 executed by the processor 111 acquires the request for a seller from the transmission / reception unit 117 or the memory 112.

[0076] The transmitting / receiving unit 117 receives a purchase request for a product transmitted from the terminal 120B used by a purchaser (e.g., user B). The received purchase request is stored in the memory 112 in association with the transaction information. The transaction control module 1124 executed by the processor 111 accepts the purchase request from the transmitting / receiving unit 117 or the memory 112.

[0077] The transmitting / receiving unit 117 receives a product shipping notification from the seller's terminal 120A, or a product receipt notification from the buyer's terminal 120B. The received shipping notification or receipt notification is stored in the memory 112 in association with each user ID, etc. The transaction control module 1124 accepts the shipping notification or receipt notification from the transmitting / receiving unit 117 or memory 112.

[0078] The receivables management module 1125 executed by the processor 111 performs a process of associating at least a part of the price of the product with the seller during the period from when the listing request is received until the shipping notice or receipt notice is received. For example, when a factoring scheme is used and the seller's right to claim the sales price is transferred to another business (hereinafter also referred to as the "second business") other than the operator of the electronic commerce platform (hereinafter also referred to as the "first business"), at least a part of the sales price is paid from the second business to the seller. To enable this payment, the association process may involve, for example, transmitting information about the seller and price information from the receivables management module 1125 of the server 110 on the first business side to the receivables processing module 1152 of the server 150 on the second business side. In addition, at least a part of the price of the product may be an amount equal to or less than the amount obtained by deducting the commission for the factoring scheme and the listing commission from the price.

[0079] Furthermore, when the first business operator and the second business operator cooperate with each other and hold common account information, the user's account information will be shared between servers 110 and 150, and server 110 will associate at least a portion of the price of the item with the seller, allowing server 150 to execute a payment to the seller (for example, a process of adding at least a portion of the price to the balance of the seller's account). Note that the first business operator and the second business operator do not necessarily need to share the user's account information, and an example of this will be described later.

[0080] This correspondence enables payment of at least a part of the price of the product to the seller without waiting for the buyer's receipt notice, and the seller can receive at least a part of the price of the product before the shipping notice or receipt notice is given.

[0081] Furthermore, the receivables management module 1125 may change the recipient of the payment from the seller's account to the account of another business (one who pays at least a portion of the payment). For example, normally, the payment would be made to the seller's account after the receipt of the product is notified, but by using a factoring scheme, the second business has already paid at least a portion of the payment to the seller, so the payment is made to the second business. This allows the payment process to be executed appropriately in the system.

[0082] In addition, the receivables management module 1125 may execute the above-mentioned association process when the parameters related to the seller's user information or transaction information satisfy a predetermined condition. For example, the receivables management module 1125 may permit the seller, who is a user, to use the factoring scheme and execute the above-mentioned association process when the parameters related to the seller's user information satisfy at least one of the following conditions: - Credit score is above a certain level - Transaction evaluation (number or percentage of Good evaluations including Good / Bad) is above a certain value - The assets in your inventory are equal to or greater than a certain amount - The number of account suspensions (violations of terms and conditions) is below a certain value - Past compensation amounts must be less than a certain amount (to reduce the risk of fraud) The amount of electronic value is equal to or greater than the price of the item (because it can be recovered in the event of cancellation)

[0083] In addition, the receivables management module 1125 may permit the seller user to use a factoring scheme and execute the association process described above if the parameters related to the seller's transaction information satisfy at least one of the following conditions. - The number of transactions, including completed and / or cancelled transactions, is greater than or equal to a certain value - The total amount of completed transactions is equal to or exceeds a certain amount - The total amount of the cancelled transaction is less than the specified amount - The cancellation rate of purchases or listings is below a certain level During a specified period, the number of times the factoring scheme was used (the number of times at least a portion of the payment was received in advance) is greater than or less than the specified amount. During a specified period, the amount of the factoring scheme used (the total amount of the payment for which at least a portion has been received in advance) is equal to or greater than a specified amount or equal to or less than a specified amount.

[0084] In addition, the credit management module 1125 may increase the upper limit of the price of the items to which the factoring scheme can be applied, or the total applicable amount within a specified period, the larger the value of the above parameters related to the user information or transaction information.

[0085] In addition, the receivables management module 1125 may execute the above-mentioned association process when the product for sale is in a predetermined category or the price of the product satisfies predetermined conditions. For example, the receivables management module 1125 may permit the user (the seller) to use a factoring scheme and execute the above-mentioned association process when information on the product for sale satisfies at least one of the following conditions: -The item being offered is in a specific category -The item is within a certain price range (for example, between 10,000 and 100,000 yen) - The item is worth more than a certain amount (e.g. more than 10,000 yen) - The item is worth less than a certain amount (for example, less than 100,000 yen)

[0086] The above processing makes it possible to flexibly respond to the application of the factoring scheme by using each parameter, making it possible to apply the scheme to appropriate sellers or items of appropriate value.

[0087] Furthermore, when the above-mentioned association process is performed, the receivables management module 1125 may reduce the first fee for association with the seller or the second fee for listing the product. For example, the receivables management module 1125 may reduce the factoring fee (first fee) or listing fee (second fee) for the seller who has once applied the factoring scheme.

[0088] This process provides sellers with an incentive to use the factoring scheme to sell their products, thereby contributing to promoting product distribution.

[0089] Furthermore, the claim management module 1125 may include a step of changing the first fee or the second fee depending on the number of times the association process is performed, in relation to the reduction of the first fee or the second fee. For example, the claim management module 1125 may increase the reduction amount of the factoring fee (first fee) or the listing fee (second fee) or reduce the fee as the number of times the factoring scheme is applied increases.

[0090] This process provides an incentive to sellers to increase the number of times they list products using the factoring scheme, thereby contributing to promoting product distribution.

[0091] In addition, when a sales transaction of a product is canceled, the credit management module 1125 may determine whether or not to execute a process to refund at least a portion of the price of the product, depending on the cause of the cancellation. For example, when a sales transaction is canceled after at least a portion of the price is paid to the seller by the second business, the credit management module 1125 identifies whether the cause of the cancellation is the seller or the buyer.

[0092] If the cancellation is due to the buyer (for example, if the buyer unilaterally cancels before the item is shipped), the seller is not responsible, so the account management module 1125 does not take any special action regarding at least a portion of the payment.

[0093] In addition, if the cause of the cancellation lies with the seller (for example, if the seller cancels the transaction after the buyer has made a purchase, or if the seller does not ship the item by the due date), the debt management module 1125 performs one of the following operations. (If the seller holds more electronic value than the amount paid) For example, if a seller has more sales proceeds than they have received, the receivables management module 1125 automatically performs a process to deduct at least a portion of the payment from the seller's account and return it to the other business's account. (If the seller does not hold electronic value equal to the amount paid) For example, if the seller does not have proceeds equal to or greater than the amount received, the receivables management module 1125 executes the process of deducting the proceeds described above, and manages the difference (amount paid - proceeds) as a receivable, or manages the full amount paid as a debt, and executes a process of billing the seller for the difference or the full amount. For example, the receivables management module 1125 notifies the seller by email or the like to bill the seller for the difference or the full amount.

[0094] This process makes it possible to properly process a portion of the amount already paid, even if the sales transaction is canceled.

[0095] Furthermore, the receivables management module 1125 may further execute a process of demanding payment from a purchaser of an item when the purchaser does not pay the price. For example, if the balance in the purchaser's account is insufficient for some reason to cover the amount of the purchase, the receivables management module 1125 executes a process of demanding payment. For example, the receivables management module 1125 notifies the purchaser by email or the like to demand the difference or the full amount.

[0096] This process makes it possible to properly recover at least a portion of the payment made in advance even if the purchaser does not make the payment.

[0097] In addition, there may be cases where the first price when the association with the seller is performed differs from the second price when the sale of the product is concluded. For example, this may occur when the seller and the buyer freely negotiate the price and reach an agreement. In this case, the claim management module 1125 may further execute a process regarding the difference between the first price and the second price when the first price and the second price differ. In addition, the claim management module 1125 may newly associate the seller with the second price when the first price and the second price differ.

[0098] For example, if the second price is higher than the first price, the credit management module 1125 executes a process of paying at least a part of the difference to the seller. Also, if the second price is lower than the first price, the credit management module 1125 may store at least a part of the difference as a loan to the seller in association with the seller. In this case, the loan may be collected by adjusting the amount obtained by deducting the difference from the sales amount to the seller's account (by adding it to the balance of the seller's account) at the time of the seller's next sale.

[0099] This process makes it possible to appropriately recover at least a portion of the amount previously paid, in accordance with the changed price, even if the price of the put up item is changed.

[0100] Furthermore, the receivables management module 1125 may make the transfer of the right to claim the purchase price a condition of obtaining the consent of the purchaser, or may notify the purchaser that the right to claim the purchase price will be transferred. Furthermore, when the seller uses this factoring scheme, the receivables management module 1125 may cooperate with the transaction control module 1124 to display on the product page explaining this product on the electronic platform that a factoring scheme will be used.

[0101] The claim management module 1125 may execute a process to confirm the consent among the seller, the first business operator, and the second business operator. For example, the claim management module 1125 may display a confirmation page to each of the three parties and have them select OK or NG. The claim management module 1125 may also confirm the consent for each listing, or may confirm in advance and set it if consent is given. The claim management module 1125 may store the acquired consent in association with the consenter, or may instruct the storage 113 to store it.

[0102] Furthermore, in order to maintain the seller's motivation to complete the transaction to the end, the claim management module 1125 may pay at least a portion of the price paid, which is a predetermined percentage of the price of the product or the price minus a predetermined fee. Furthermore, the claim management module 1125 may execute a process of changing the predetermined percentage so as to increase it when a parameter of the user information or transaction information satisfies a predetermined condition. Furthermore, the claim management module 1125 may execute a process of changing the predetermined percentage so as to increase it as the parameter value increases.

[0103] The receivables management module 1125 may also execute a process to allow a larger amount of the item for which the factoring scheme can be used, the shorter the period from the seller's past listing to delivery. Furthermore, the receivables management module 1125 may execute a process to allow a larger amount of at least a portion of the payment to be received using the factoring scheme, the shorter the period from the seller's past listing to delivery. These processes can prevent a decrease in motivation for the seller to complete the sales transaction, even if the seller receives the sales proceeds early.

[0104] The one or more processors 111 read and execute each module from the memory 112 as necessary. For example, the one or more processors 111 may configure a transaction control unit and a bond management unit by executing a transaction control module 1124 and a bond management module 1125, respectively.

[0105] (2) Configuration of terminal 120 The terminal 120 includes a processor 121 , a memory 122 , a storage 123 , an input / output I / F 124 , an input device 125 , an output device 126 , a transmitting / receiving unit 127 , and a reading unit 128 .

[0106] The processes, functions, or methods executed by the processor 121 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0107] The input device 125 accepts various operations from the user of the terminal 120 .

[0108] The transmitting / receiving unit 127 transmits and receives data to and from the server 110, etc., in accordance with instructions from the processor 121. For example, when logging in to the server 110, the transmitting / receiving unit 127 connects a communication session with the server 110 using HTTPS or the like. Then, the transmitting / receiving unit 127 stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 127 transmits data to the server 110 using the connected communication session.

[0109] The processor 121 performs processing to utilize a given service provided by the server 110 .

[0110] The memory 122, in one embodiment, stores the following programs 1221, modules and data structures, or a subset thereof:

[0111] As described above, the program 1221 is a program loaded from the storage 123, and includes instructions and the like related to each embodiment.

[0112] The transaction processing module 1222 executes a process for buying and selling products on the electronic commerce platform. For example, the transaction processing module 1222 executes a process for listing a product or purchasing a product on the electronic commerce platform.

[0113] 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 for confirming the use of a factoring scheme, and controls to display a screen for purchasing a product.

[0114] The one or more processors 121 read and execute each module from the memory 122 as necessary. For example, the one or more processors 121 may configure a transaction processing unit and a display control unit by executing a transaction processing module 1222 and a display control module 1223, respectively.

[0115] (3) Configuration of Server 150 The server 150 includes a processor 151 , a memory 152 , a storage 153 , an input / output I / F 154 , an input device 155 , an output device 156 , a transmission / reception unit 157 , and a reading unit 158 ​​.

[0116] The processes, functions, or methods executed by the processor 151 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0117] The input device 155 accepts various operations from the user of the server 150 .

[0118] The transmitting / receiving unit 157 transmits and receives data to and from the server 110, etc., in accordance with instructions from the processor 151. For example, when logging in to the server 110, the transmitting / receiving unit 157 connects a communication session with the server 110 using HTTPS or the like. Then, the transmitting / receiving unit 157 stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, data is transmitted to the server 110 using the connected communication session.

[0119] The processor 151 performs processing to utilize a given service provided by the server 110 .

[0120] The memory 152, in one embodiment, stores the following programs 1521, modules and data structures, or a subset thereof:

[0121] As described above, the program 1521 is a program loaded from the storage 153, and includes instructions and the like related to each embodiment.

[0122] The account information 1522 is account information of a user, etc., and includes, for example, a user ID, a password, a balance, etc. The account information 1522 includes at least one of these pieces of information, or a predetermined combination.

[0123] FIG. 5 shows an example of account information according to the first embodiment. The account information manages information on each user's account created by, for example, a payment service provider (another service provider). The payment service provider may be, for example, a party that operates and manages an electronic commerce platform. "User ID" includes user identification information (user ID: Identifier) ​​that allows the server 110 to uniquely identify the user. "Password" includes a password for user authentication. "Balance" includes the balance of electronic money (or electronic value) in the account held by the user.

[0124] In the example shown in FIG. 5, the balance includes the charge amount, sales amount (sales proceeds), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount deposited by a user from his / her own bank account into an account created by a payment service provider. The sales amount indicates, for example, the profits earned by a user by listing and selling products on an e-commerce platform. The points 1 indicate, for example, the points earned by a user by converting sales amount, and are points used on the e-commerce platform. The points 2 indicate, for example, the points granted by a third party such as a payment service provider, and are points used on the e-commerce platform.

[0125] The user can charge any amount to the account balance after entering their bank account information in the application provided by the payment service provider, associating their user ID with their bank account, and completing identity verification. Note that the charge amount can also be charged at convenience stores, etc., in addition to bank accounts. In the following, if identity verification based on the Act on Prevention of Transfer of Criminal Proceeds has been completed, it will be written as "after bank connection," and if identity verification has not been completed, it will be written as "before bank connection."

[0126] Point 1 is a paid point converted from sales revenue in order for a user to transact on the electronic commerce platform before the bank connection, and an expiration date may be set for Point 1. The expiration date may be, for example, six months. Point 1 can be withdrawn from sales revenue after the bank connection, so there is no need to convert it to Point 1 and hold it. Therefore, Point 1 held before the bank connection gradually decreases with use.

[0127] Point 2 is a free point that is distributed or given as a benefit by a third party such as a payment service provider, and an expiration date may be set for Point 2. The expiration date for Point 2 may be set to be shorter than the expiration date for Point 1.

[0128] Returning to Fig. 2, the payment processing module 1523 processes electronic payments. For example, the payment processing module 1523 acquires payment information transmitted from a terminal of an affiliated store, or from the user's terminal 120. Based on the payment information, the payment processing module 1523 subtracts a predetermined amount from the payer's account and adds it to the recipient's account in association with the amount, thereby performing payment processing.

[0129] Furthermore, when the first business operator and the second business operator cooperate with each other, the payment processing module 1523 manages the sales amount and performs payment processing on the electronic commerce platform using a common account for electronic payment. For example, the payment processing module 1523 may perform an escrow process to freeze the electronic value of the purchaser's account for payment on the electronic commerce platform, and transfer the payment after confirming receipt of the product.

[0130] When the right to claim the purchase price is transferred, the receivables processing module 1524 acquires the seller's information together with the payment information from the receivables management module 1125 of the server 110. The receivables processing module 1524 identifies the seller's account from the seller's information (e.g., user ID, etc.), and executes the payment process by associating at least a portion of the payment (e.g., an amount equal to or less than the amount obtained by deducting the factoring fee and the listing fee from the payment) with the seller's account.

[0131] In addition, when the purchaser makes a payment, the debt processing module 1524 executes the payment collection process by associating the payment with the other business's own account, rather than associating the payment with the seller's account.

[0132] Furthermore, when the price is paid by the purchaser, the credit processing module 1524 executes a process to pay the listing fee to the first business operator. For example, the credit processing module 1524 transfers the listing fee to the bank account of the first business operator, or if there is an electronic value account, performs a payment process in association with the account.

[0133] The one or more processors 151 read and execute each module from the memory 152 as necessary. For example, the one or more processors 151 may configure a payment processing unit and a debt processing unit by executing the payment processing module 1523 and the debt processing module 1524, respectively.

[0134] <Processing example of the first embodiment> An example of a specific processing procedure related to right transfer and price payment in the information processing system 1 will be described with reference to Fig. 6. Fig. 6 is a diagram for explaining an example of processing in the information processing system 1 according to the first embodiment.

[0135] (1) Transaction Completed It is assumed that a seller uses terminal 120A to list a product on an electronic commerce platform, and a buyer uses terminal 120B to purchase the product on the electronic commerce platform. At this time, a sales transaction is concluded, the seller acquires the right to claim the purchase price, and the seller grants the right to receive the purchase price on behalf of the first business operator.

[0136] In addition, an agreement to use the factoring scheme may be obtained in advance or on a case-by-case basis between the seller, the first business operator, and the second business operator, and the purchaser may be notified that the factoring scheme will be used.

[0137] (2) Transfer of the right to claim the purchase price By agreeing to the factoring scheme, the seller transfers the right to claim the purchase price to the second business operator. In this case, the right to receive the purchase price and the listing fee on behalf of the seller is granted by the first business operator to the second business operator.

[0138] (3) Payment of the receivables transfer fee The second business pays the seller a claim transfer fee in response to the seller transferring the claim for the purchase price. For example, the claim processing module 1524 of the server 150 executes a payment process by associating at least a part of the payment, for example, an amount after deducting listing fees and factoring fees, with the seller's account.

[0139] (4) Confirmation of receipt and evaluation of purchased items The seller ships the product to the buyer and uses terminal 120A to notify the buyer of the shipment via server 110. Upon receiving the product, the buyer uses terminal 120B to confirm receipt and provide a rating to the recipient via server 110.

[0140] (5) Receipt of purchase price by a second business operator acting as an agent The claim management module 1125 of the server 110 of the first business executes a process to change the payee, and the purchase price is associated with the account of the second business and payment is made.

[0141] (6) Listing fees The second business pays the listing fee to the first business when the proxy receiving right for the listing fee is granted. For example, the credit processing module 1524 of the server 150 transfers the listing fee to the bank account of the first business, or if the first business has an electronic value account, performs payment processing by associating the payment with the account.

[0142] <Operation Processing of the First Embodiment> The processing of the information processing system 1 according to the first embodiment will be described with reference to Fig. 7. Fig. 7 shows an example of a processing sequence of the information processing system 1 according to the first embodiment. Note that the first embodiment is an example in which a first business operator and a second business operator are partnered, and the management of sales proceeds and payments on an electronic commerce platform by the first business operator and the management of electronic payment charges and payments by the second business operator are shared by an account managed by the second business operator.

[0143] (Step S102) The transaction processing module 1222 of the seller's terminal 120A executes a listing process for the product on the server 110 of the first business operator based on an instruction from the seller. Note that the product is not necessarily limited to an item sold in a store or the like, and may be any item that can be the subject of a transaction.

[0144] (Step S104) Based on a purchase instruction from the purchaser, transaction processing module 1222 of purchaser terminal 120B executes product purchase processing with server 110 of the first business operator, and executes price payment processing with settlement processing module 1523 of server 150 of the second business operator. Note that server 110 of the first business operator may send a payment request including the seller's user ID, the purchaser's user ID, and price information to server 150 of the second business operator.

[0145] (Step S106) The payment processing module 1523 of the server 150 executes an escrow process for freezing electronic value equivalent to the price in the purchaser's account in order to make the payment.

[0146] (Step S108) The receivables management module 1125 of the server 110 uses the seller's ID to determine whether or not the seller is eligible for the factoring scheme. If the seller is not eligible, a normal buying and selling transaction is executed, and if the seller is eligible, the process from step S110 onward is executed.

[0147] (Step S110) The claim management module 1125 of the server 110 executes claim processing. In claim processing, the claim management module 1125 executes a process to associate at least a part of the payment with the seller, for example, a process to change the payment recipient. For example, the claim management module 1125 notifies the seller information and payment information to the claim processing module 1524 of the server 150. The claim processing module 1524 changes the payment recipient from the seller's account to its own account.

[0148] (Step S112) The server 150's claim processing module 1524 executes the payment process by adding at least a portion of the price (sales proceeds) (possibly after commission deduction) to the seller's account. When the payment process is completed, the claim processing module 1524 reports the completion of payment to the seller's terminal 120A.

[0149] (Step S114) When the seller has shipped the product, the seller uses the terminal 120A to perform a shipping process to notify the buyer that the product has been shipped. In the shipping process, a shipping notification is sent to the buyer's terminal 120B via the server 110.

[0150] (Step S116) When the purchaser receives the product, the purchaser uses the terminal 120B to notify the server 110 of receipt of the product.

[0151] (Step S118) The transaction control module 1124 of the server 110 notifies the debt processing module 1524 of the server 150 that the purchaser has received the goods.

[0152] (Step S120) The debt processing module 1524 of the server 150 executes a process to transfer the frozen amount to its own account in order to pay the amount.

[0153] (Step S122) The claim processing module 1524 of the server 150 executes a process for paying the exhibition fee to the first business operator, and notifies the first business operator of the completion. The payment process may be, for example, a bank transfer or charging of electronic value.

[0154] <<First Example>> The first embodiment is different from the above-mentioned examples in that the first business operator and the second business operator can be regarded as the same entity, and therefore the server 110 and the server 150 are the same server.

[0155] <<Effects of the First Embodiment>> According to the first example, the same effect as that of the first embodiment can be obtained. Moreover, according to the first example, since the server 110 and the server 150 are the same server, there is an advantageous effect that the efficiency of the fee management process and data communication can be improved.

[0156] <<Configuration of the First Embodiment>> The system configuration, server, and terminal configurations, etc., according to the first example are basically the same as those according to the first embodiment. The difference between the first example and the first embodiment is that the servers 110 and 150 are the same server. For example, each process, function, configuration, etc. of the server 110 and each process, function, configuration, etc. of the server 150 can be integrated, keeping what is necessary and deleting what is duplicated.

[0157] <<Second Example>> The second embodiment is a case in which the first business operator and the second business operator are in partnership but each operator manages user accounts separately, and the first business operator notifies the second business operator of the seller's remittance information, account information, and payment information.

[0158] <<Effects of the Second Embodiment>> According to the second embodiment, the same effect as that of the first embodiment can be obtained without making any major changes to the current system. Also, according to the second embodiment, when the first business operator and the second business operator cooperate with each other, the advantageous effect that each account can be used as it is can be obtained.

[0159] <<Configuration of the Second Embodiment>> The system configuration, server and terminal configurations, etc., according to the second embodiment are basically the same as those according to the first embodiment. The second embodiment differs from the first embodiment in that account information used in the electronic commerce platform is stored in memory 112 of server 110. In other words, account information 1522 stored in memory 152 of server 150 and account information stored in memory 112 of server 110 are different account information.

[0160] Accordingly, when rights processing is performed by applying a factoring scheme, the receivables management module 1125 of the server 110 notifies the second business operator of, for example, the seller's remittance destination information or account information and payment information in order to associate at least a portion of the payment with the seller. This enables the second business operator to pay at least a portion of the payment to the seller.

[0161] In addition, the claim management module 1125 may notify the purchaser of the transfer destination information or account information of the second business operator so that the purchaser can pay the price of the product to the second business operator. This enables the purchaser to pay the price of the product to the second business operator.

[0162] The receivables management module 1125 may execute a process of receiving payment from the purchaser and paying the amount remaining after deducting the listing fee (including the factoring fee) to the second business operator. This allows the purchaser to carry out payment processing on a normal electronic commerce platform without being aware of the existence of the second business operator.

[0163] <Second embodiment> The second embodiment differs from the first embodiment in that the right to claim the purchase price is transferred before the sale is completed.

[0164] The second embodiment utilizes a factoring scheme to enable the seller to receive payment before receipt of the item is confirmed, for example, promptly after the item is listed, and has the advantage of not requiring a money lending license.

[0165] <Configuration of the second embodiment> The system configuration, server, terminal configuration, etc. according to the second embodiment are basically the same as the system configuration, server, terminal configuration, etc. according to the first embodiment. The difference between the first embodiment and the second embodiment is the timing of the transfer of the right to claim the purchase price.

[0166] In the second embodiment, at least a part of the price is paid to the seller before the sale transaction is concluded, but the initial first price of the product may differ from the second price of the product at the time of the sale transaction. In preparation for this case, the receivables management module 1125 of the server 150 may further execute a process for the difference between the first price and the second price when they differ, as in the first embodiment.

[0167] For example, if the second price is higher than the first price, the credit management module 1125 executes a process of paying at least a part of the difference to the seller. Also, if the second price is lower than the first price, the credit management module 1125 stores at least a part of the difference as a loan to the seller in association with the seller. In this case, the loan is adjusted at the time of the seller's next sale, for example, by associating the amount obtained by deducting at least a part of the difference from the sales amount with the seller's account.

[0168] This process makes it possible to appropriately recover at least a portion of the payment made in advance in accordance with the changed price, even if the price of the put up item is changed.

[0169] <Processing example of the second embodiment> An example of a specific processing procedure related to right transfer and price payment in the information processing system 1 will be described with reference to Fig. 8. Fig. 8 is a diagram for explaining an example of processing in the information processing system 1 according to the second embodiment.

[0170] (1) Transfer of the right to claim the purchase price A seller uses terminal 120A to list a product on an electronic commerce platform, and, with the consent of the factoring scheme, transfers the right to claim the purchase price to be generated in the future to the second business operator, for example, at the same time as listing the product. In addition, consent to use of the factoring scheme is obtained in advance or on a case-by-case basis among the seller, the first business operator, and the second business operator.

[0171] (2) Payment of the receivables transfer fee The second business pays the seller a claim transfer fee in response to the seller transferring the claim for the purchase price. For example, the claim processing module 1524 of the server 150 executes a payment process by associating at least a part of the payment, for example, an amount after deducting listing fees and factoring fees, with the seller's account.

[0172] (3) Transaction Completed Assume that a purchaser uses terminal 120B to purchase a product on an electronic commerce platform. At this time, a sales transaction is concluded, the seller acquires the right to claim the purchase price, and the seller grants the first business operator the right to receive the purchase price on his / her behalf. In this case, the first business operator grants the second business operator the right to receive the purchase price on his / her behalf and the right to receive the listing fee on his / her behalf. The purchaser may also be notified that a factoring scheme will be used.

[0173] (4) Confirmation of receipt and evaluation of purchased items The seller ships the product to the buyer and uses terminal 120A to notify the buyer of the shipment via server 110. Upon receiving the product, the buyer uses terminal 120B to confirm receipt and provide a rating to the recipient via server 110.

[0174] (5) Receipt of purchase price by a second business operator acting as an agent The claim management module 1125 of the server 110 of the first business executes a process to change the payee, and the purchase price is associated with the account of the second business and payment is made.

[0175] (6) Listing fees The second business pays the listing fee to the first business when the proxy receiving right for the listing fee is granted. For example, the credit processing module 1524 of the server 150 transfers the listing fee to the bank account of the first business, or if the first business has an electronic value account, performs payment processing by associating the payment with the account.

[0176] <Operation Processing of the Second Embodiment> Processing of the information processing system 1 according to the second embodiment will be described with reference to Fig. 9. Fig. 9 shows an example of a processing sequence of the information processing system 1 according to the second embodiment. Note that the second embodiment is an example in which a first business operator and a second business operator are partnered, as in the first embodiment, and the management of sales proceeds and payments on an electronic commerce platform by the first business operator, and the management of electronic payment charges and payments by the second business operator are shared by an account managed by the second business operator.

[0177] (Step S202) The transaction processing module 1222 of the seller's terminal 120A executes a listing process for the product on the server 110 of the first business operator based on an instruction from the seller. Note that the product is not necessarily limited to an item sold in a store or the like, and may be any item that can be the subject of a transaction.

[0178] (Step S204) The receivables management module 1125 of the server 110 uses the seller's ID to determine whether or not the seller is eligible for the factoring scheme. If the seller is not eligible, a normal buying and selling transaction is executed, and if the seller is eligible, the process from step S206 onward is executed.

[0179] (Step S206) The claim management module 1125 of the server 110 executes claim processing. In claim processing, the claim management module 1125 executes a process to associate at least a part of the payment with the seller, for example, a process to change the payment recipient. For example, the claim management module 1125 notifies the seller information and payment information to the claim processing module 1524 of the server 150. The claim processing module 1524 changes the payment recipient from the seller's account to its own account.

[0180] (Step S208) The server 150's claim processing module 1524 executes the payment process by adding at least a portion of the price (sales proceeds) (possibly after commission deduction) to the seller's account. When the payment process is completed, the claim processing module 1524 reports the completion of payment to the seller's terminal 120A.

[0181] (Step S210) Based on a purchase instruction from the purchaser, transaction processing module 1222 of purchaser terminal 120B executes product purchase processing with server 110 of the first business operator, and executes price payment processing with settlement processing module 1523 of server 150 of the second business operator. Note that server 110 of the first business operator may send a payment request including the seller's user ID, the purchaser's user ID, and price information to server 150 of the second business operator.

[0182] (Step S212) The payment processing module 1523 of the server 150 executes an escrow process for freezing electronic value equivalent to the price in the purchaser's account in order to make the payment.

[0183] (Step S214) to (Step S222) The processes in steps S214 to S222 are similar to those in steps S114 to S122.

[0184] The first and second examples of the first embodiment can also be applied to the second embodiment. For example, even if the first business operator and the second business operator are the same entity and the server 110 and the server 150 are the same server, the transfer of the right to claim the purchase price may be performed before the sale is concluded. Also, even if the account information of the user of the first business operator and the account information of the second business operator are managed separately, the transfer of the right to claim the purchase price may be performed before the sale is concluded.

[0185] The disclosed technology is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the spirit of the disclosed technology. For example, the above-described processing steps can be arbitrarily changed in order or executed in parallel as long as no contradiction occurs in the processing content. [Explanation of symbols]

[0186] 1...information processing system, 110...server, 111...processor, 112...memory, 113...storage, 114...input / output I / F, 115...input device, 116...output device, 117... Transmitter / receiver unit, 120... terminal, 121... processor, 122... memory, 123... storage, 124... input / output I / F, 125... input device, 126... output device, 127... transmitter / receiver unit, 150... terminal, 151... processor, 152... memory, 153... storage, 154... input / output I / F, 155... input device, 156... output device, 157... transmitter / receiver unit, 1124... transaction control module, 1125... claims management module, 1222... transaction processing module, 1223... display control module, 1523... settlement processing module, 1524... claims processing module

Claims

1. An information processing device, receiving a request from a seller to list a product on an e-commerce service; Accepting a purchase of the product from a purchaser; receiving a shipping notification of the product from the seller; receiving a receipt notification of the product from the purchaser; and associating at least a portion of the amount of the item with the seller as a debt during the period from when the listing request is received until when the shipping notice or the receipt notice is accepted.

2. The information processing method according to claim 1 , wherein the associating is performed when a parameter related to user information or transaction information of the seller satisfies a predetermined condition.

3. The information processing method according to claim 1 , wherein the step of associating the product with the item is performed when the product belongs to a predetermined category or when a price of the product satisfies a predetermined condition.

4. The information processing device, The information processing method according to claim 1 , further comprising the step of: reducing a first fee for the association with the seller or a second fee for the listing of the product when the association is performed.

5. The information processing device includes: The information processing method according to claim 1 , further comprising the step of: refunding at least a portion of the price of the product if the purchase and sale transaction of the product is canceled.

6. The information processing device includes: The information processing method according to claim 1 , further comprising the step of: if the purchaser does not pay the amount of the product, performing a dunning process on the purchaser.

7. The information processing device includes: The information processing method of claim 1 , further comprising the step of: if the price of the product when the association with the seller is made differs from the price of the product when the sale of the product is completed, performing processing regarding the difference between the two prices.

8. In the information processing device, receiving a request from a seller to list a product on an e-commerce service; Accepting a purchase of the product from a purchaser; receiving a shipping notification of the product from the seller; receiving a receipt notification of the product from the purchaser; and associating at least a portion of the amount of the item with the seller as a debt during the period from when the listing request is received until when the shipping notice or the receipt notice is accepted.

9. An information processing device, One or more processors included in the information processing device, receiving a request from a seller to list a product on an e-commerce service; Accepting a purchase of the product from a purchaser; receiving a shipping notification of the product from the seller; receiving a receipt notification of the product from the purchaser; and associating at least a portion of the amount of the item with the seller as a debt during the period from when the listing request is received until when the shipping notice or the receipt notice is accepted.

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