Information processing method, program, and information processing device

Abstract

To improve flexibility of settling installments when paying for a product in installments.SOLUTION: Provided is an information processing method in which an information processing device receives a purchase instruction in installments with respect to a product from a user, executes a transaction process for the product in accordance with the purchase instruction, and allocates at least a portion of sales obtained from selling the product to settling of at least a portion of the remaining installment balance.SELECTED DRAWING: Figure 6

Description

[Technical Field]

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

[0002] Currently, transactions of goods using electronic commerce platforms are becoming more and more common. For example, a system has been disclosed in which price negotiations are conducted between a seller of a product and a prospective buyer, and once the price negotiations are successful, payment is made and the transaction is concluded (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] International Publication No. 2017 / 002182 Summary of the Invention [Problem to be solved by the invention]

[0004] By using the system described in Patent Document 1, users can easily purchase products. Furthermore, when users want to defer payment of at least a portion of the purchase price of a product, they may consider choosing to pay in installments using a credit card, etc. However, there is a problem in that there is not much flexibility in settling installment payments.

[0005] Therefore, an object of the present disclosure is to provide an information processing method, a program, and an information processing device that enable improved flexibility in settling installments when paying for the purchase of a product in installments. [Means for solving the problem]

[0006] An information processing method according to one aspect of the present disclosure includes an information processing device receiving an instruction from a user to purchase a product on an installment plan, executing a transaction process for the product in accordance with the purchase instruction, and allocating at least a portion of the sales proceeds obtained from selling the product to settle at least a portion of the remaining installment balance. [Brief explanation of the drawings]

[0007] [Figure 1] 1A to 1C are diagrams illustrating an example of a block diagram showing an example of a configuration of an information processing system according to an embodiment, an example of a hardware configuration of a server according to the present disclosure, and an example of a hardware configuration of a terminal according to the present disclosure. [Figure 2] FIG. 4 is a diagram illustrating an example of user information according to the embodiment. [Figure 3] FIG. 4 is a diagram illustrating an example of account information according to the embodiment. [Figure 4] FIG. 10 is a diagram showing an example of transaction management information according to an embodiment. [Figure 5] FIG. 10 is a diagram illustrating an example of payment management information according to the embodiment. [Figure 6] FIG. 10 is a diagram illustrating an example of a flowchart of processing of the information processing system according to the embodiment. [Figure 7] FIG. 10 is a diagram illustrating an example of a flowchart of processing of the information processing system according to the embodiment. [Figure 8] FIG. 10 is a diagram illustrating an example of a flowchart of processing of the information processing system according to the embodiment. [Figure 9] FIG. 10 is a diagram illustrating an example of a user screen displayed on a screen of a terminal according to the embodiment. [Figure 10] FIG. 10 is a diagram illustrating an example of a user screen displayed on a screen of a terminal according to the embodiment. [Figure 11] FIG. 10 is a diagram illustrating an example of a user screen displayed on a screen of a terminal according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0008] <Legal compliance> The disclosures described herein are implemented in compliance with the laws and regulations of each country in which the disclosures are implemented, and are implemented with all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make that are necessary to comply with the laws and regulations of each country.

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing method, a program, and an information processing device according to the present disclosure will be described with reference to the accompanying drawings. <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, servers 110A, 110B, terminals 120A, 120B, and 120C, and a server 150 that cooperates with server 110A are connected via a network 130. For example, by cooperating with server 150, server 110A can obtain information related to a service (e.g., a credit information provision service) provided by server 150.

[0010] 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.

[0011] 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.

[0012] The server 110 provides predetermined services to the terminal 120 used by the user via the network 130. Examples of predetermined services include, but are not limited to, payment services, financial services, e-commerce services, social networking services (SNS) such as instant messaging services, and content provision services such as music, videos, and books. The server 150 builds a platform for collecting users' credit information and provides, for example, a credit information provision service to the terminal 120. The servers 110 and 150 may provide one or more of their respective services individually, or may provide one or more of their respective services together. The servers 110 and 150 provide their respective services to one or more terminals 120, allowing users to use the respective services via the terminal 120.

[0013] As necessary, the terminal used by user X will be referred to as terminal 120X, and information associated with the user in a predetermined service, which is associated with user X or terminal 120X, will be referred to as user information X. User information may include, but is not limited to, information associated with the user, such as the user's name, user icon image, user age, user gender, user address, user hobbies and interests, and user identifier, which is input by the user or assigned by the 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.

[0014] 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 connect to the servers 110, 150 and then transmit and receive data.

[0015] 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.

[0016] Servers 110, 150 and terminal 120 may be any information processing device capable of implementing the processes, functions or methods described in this disclosure.

[0017] Servers 110, 150 and terminal 120 may be, for example and without limitation, smartphones, mobile phones (feature phones), computers (for example and without limitation, desktops, laptops, tablets, etc.), server devices, media computing platforms (for example and without limitation, cable, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (for example and without limitation, PDAs (Personal Digital Assistants), email clients, etc.), wearable devices (for example and without limitation, glasses-type devices, watch-type devices, etc.), other types of computers, or communication platforms, or any combination thereof.

[0018] <Hardware configuration of each information processing device> (1) Server hardware configuration The hardware configuration of the server 110 included in the information processing system 1 will be described with reference to FIG.

[0019] 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 transmitter / receiver 117. The hardware components of the server 110 are connected to each other via a bus B, for example and not by way of limitation.

[0020] 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 transceiver 117.

[0021] The processor 111 executes processes, functions, or methods implemented by code or instructions included in a program stored in the storage 113. The processor 111 may include, but is not limited to, one or more central processing units (CPUs), microprocessing units (MPUs), graphics processing units (GPUs), microprocessors, processor cores, multiprocessors, application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc., and may implement the processes, functions, or methods disclosed in each embodiment using logic circuits (hardware) or dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSIs (Large Scale Integration)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

[0022] 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, but not limited to, a random access memory (RAM), a read only memory (ROM), or a combination of these. The storage 113 stores programs and various data. The storage 113 may be, for example, but not limited to, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0023] 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 performed by the server 110 .

[0024] 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 (for inputting operations via images), a microphone (for inputting operations via voice), or a combination of these.

[0025] The output device 116 may be any of a variety of devices capable of outputting the processing results of the processor 111 via the input / output I / F 114, or a combination thereof. When the processing results are output as video or video images, the output device 116 may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. The output device 116 may be, but is not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0026] The input device 115 and the output device 116 may be integrated, or may be separate devices.

[0027] 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 mutual communication is possible. The transmitting / receiving unit 117 has a function of communicating with other information processing devices via the network 130. The transmitting / receiving unit 117 transmits various data to other information processing devices in accordance with instructions from the processor 111. The transmitting / receiving unit 117 also receives various data transmitted from other information processing devices and transmits it to the processor 111. Note that the server 150 has the same devices as the server 110, and therefore a description thereof will be omitted.

[0028] (2) Hardware configuration of the terminal 120 The hardware configuration of the terminal 120 included in the information processing system 1 will be described with reference to FIG.

[0029] 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 transmitter / receiver 127, and a reader 128. The hardware components of the terminal 120 are connected to each other via a bus B, for example and not by way of limitation.

[0030] 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, transceiver 127, and reader 128.

[0031] The processor 121 executes processes, functions, or methods implemented by codes or instructions included in a program stored in the storage 123. The processor 121 may include, but is not limited to, a central processing unit (CPU), a microprocessing 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), etc., and may implement the processes, functions, or methods disclosed in each embodiment using a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large-scale integration (LSI)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

[0032] 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.

[0033] 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.

[0034] 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 results of processing performed by the terminal 120 .

[0035] The input device 125 is realized by any one of or a combination of all types 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 (for inputting operations via images), a microphone (for inputting operations via voice), or a combination of these.

[0036] The output device 126 may be any of a variety of devices capable of outputting the processing results of the processor 121, or a combination thereof. When the processing results are output as video or video images, the output device may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0037] The input device 125 and the output device 126 may be integrated, or the input device 125 and the output device 126 may be separate.

[0038] 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 mutual communication is possible. The transmitting / receiving unit 127 has a function of communicating with other information processing devices via the network 130. The transmitting / receiving unit 127 transmits various data to other information processing devices in accordance with instructions from the processor 121. The transmitting / receiving unit 127 also receives various data transmitted from other information processing devices and transmits the data to the processor 121.

[0039] (3) Other Cloud computing, which is configured by one or more information processing devices, may implement at least a part of the processes, functions, or methods of the servers 110 and 150 or the terminal 120.

[0040] Another information processing device may implement at least a part of the processing, functions, or methods of the server 110, 150, or the terminal 120. In this case, a processor of the other information processing device may implement at least a part of the processing implemented by the processor 111 or the processor 121.

[0041] 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.

[0042] 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 tape, 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.

[0043] Furthermore, the program of the present disclosure may be provided to the server 110, 150 or the terminal 120 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0044] 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.

[0045] 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 (registered trademark), Kotlin (registered trademark), Java (registered trademark), etc.

[0046] <Other> Unless explicitly stated otherwise, the judgment configuration in the embodiments of the present disclosure is not required, and a predetermined process may be performed when the judgment condition is met, or when the judgment condition is not met. The present disclosure encompasses all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the present disclosure. The appended claims also encompass all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the claims. Furthermore, the present disclosure encompasses any combination, that a person skilled in the art may make, 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. 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, or component, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or operable, regardless of whether the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked.

[0047] Unless otherwise specified, the present disclosure may obtain consent from a user in advance or immediately before implementing any embodiment or example of the present disclosure, and the consent obtained may be comprehensive or may be obtained on a case-by-case basis.

[0048] <Embodiment> In one embodiment, for example, when a user pays for an electronic commerce transaction in installments, the user can allocate at least a portion of the proceeds from the sale of a product purchased in installments to settle at least a portion of the remaining installment balance. Note that the product is not limited to goods and may include services.

[0049] According to the embodiment, when the purchase price of a product in e-commerce is paid in installments, the flexibility of settlement for installment payments can be improved. Furthermore, by listing a product purchased in installments and settling the payment using at least a portion of the sales proceeds of the product, the risk of future payment delays by the user can be reduced and payments can be made easier for the user. Furthermore, since it is possible to purchase a product in e-commerce in installments and settling the payment using the sales proceeds of listing the product, the use of e-commerce can be promoted.

[0050] <Configuration of the embodiment> The 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 .

[0051] 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.

[0052] The input / output I / F 114 receives various setting operations and the like from the business operators who operate the various services provided by the server 110 via the input device 115 or the output device 116 .

[0053] The transmitting / receiving unit 117 transmits and receives data to and from the terminal 120, etc., in accordance with instructions from the processor 111. Note that the transmitting / receiving unit 117 connects a communication session with the terminal 120, etc., using HTTPS, etc., when the user of the terminal 120, etc., is authenticated, for example, by a user ID and password included in a login request from 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.

[0054] In an embodiment, memory 112 stores a program 1121, user information 1122, account information 1123, transaction management information 1124, payment management information 1125, an acceptance processing module 1126, a transaction processing module 1127, a settlement processing module 1128, a proposal processing module 1129, a generation processing module 1130, a display processing module 1131, and data structures, or a subset thereof. Note that the information stored in memory 112 may be stored in another storage device (e.g., storage 113).

[0055] As described above, the program 1121 is a program loaded from the storage 113 and includes instructions related to the processing in the embodiment. The program 1121 may also include instructions for executing processing to provide users with an e-commerce service and / or a payment service that mediates the buying and selling of goods.

[0056] User information 1122 includes information of users registered on the e-commerce platform.

[0057] 2 shows an example of user information 1122 according to the embodiment. In the user information, information about each member user created by a business operator that provides an e-commerce platform is managed.

[0058] "User ID" includes user identification information (user ID: Identifier) ​​that allows server 110 to uniquely identify the user. "Email address" includes the email address registered by the user. "Name" includes the user's name. "Occupation" includes the occupation registered by the user. In addition to the above examples, user information may also include annual income, address, date of birth, whether or not the user has an electric power operator's license, the driver's license number if the user has a driver's license, and the My Number card number.

[0059] 3 shows an example of account information 1123 according to this embodiment. In the account information, information on each user's account created by a business operator that provides an e-commerce platform is managed, for example.

[0060] "User ID" includes user identification information 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. Electronic money is, for example, cash converted into digital form and is monetary value that can be used for payment.

[0061] In the example shown in FIG. 3, the balance includes the charge amount, sales amount (profit), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount that a user deposits from their own bank account to an account created by a business operator. The sales amount indicates, for example, the revenue that a user earns by listing and selling products on a linked e-commerce platform. Points 1 are, for example, points that a user earns by converting sales amount and are points that can be used on the e-commerce platform. Points 2 are, for example, points awarded by a third party, such as a business operator, and are points that can be used at affiliated stores that are affiliated with the e-commerce platform or payment service.

[0062] The user can charge any amount to the account balance once they have completed identity verification by entering their bank account information in the application provided by the operator and associating their user ID with their bank account. Note that the charge amount can also be charged at convenience stores and other locations in addition to bank accounts. Hereinafter, if identity verification based on the Act on Prevention of Transfer of Criminal Proceeds has been completed, it will be referred to as "after identity verification," and if identity verification has not been completed, it will be referred to as "before identity verification."

[0063] Points 1 are paid points converted from sales amounts in order for users to transact on the e-commerce platform before the bank connection, and an expiration date may be set for Points 1. The expiration date may be, for example, six months. After the bank connection, Points 1 can be withdrawn directly from sales amounts, so there is no need to convert them into Points 1 and hold them. Therefore, Points 1 held before the bank connection gradually decrease with use. Note that a bank connection is a state in which a user's account is associated with the bank account held by the user.

[0064] Point 2 is a free point that is distributed or given as a benefit by a business operator or the like, 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.

[0065] 4 illustrates an example of transaction management information 1124 according to an embodiment. The transaction management information 1124 includes a history of transaction information related to the purchase and sale of products on the e-commerce platform.

[0066] "Seller ID" includes the user ID of the seller. "Listing ID" includes an ID that uniquely identifies a product transaction listed on the e-commerce platform. "Product information" includes the product name, product condition, image, model number, manufacturer, selling price, and product description. "Listing date and time" includes the date and time the product was listed. "Buyer ID" includes the user ID of the user who purchased the product. "Purchase date and time" includes the date and time the product was purchased (successful bid).

[0067] 5 illustrates an example of payment management information 1125 according to the embodiment. The payment management information 1125 includes information related to payments made by users who have purchased products on the e-commerce platform.

[0068] "Purchaser ID" includes the user ID of the user who purchased the product. The transaction ID is the same as the transaction ID in the transaction management information 1124, and includes an identifier for uniquely identifying the transaction. "Payment type" includes information indicating whether the product was purchased in a lump sum or in installments. "Payment amount" includes the amount to be paid by the user who purchased the product. The payment amount includes the total amount to be paid by the user who purchased the product, including the product's sales price and any fees for paying in installments. "Payment status" includes information for managing whether the user has paid the payment amount. Furthermore, if the user chooses to pay in installments, "payment status" includes the payment deadline for each payment, the payment amount, and information indicating whether the user has paid. "Completed" means that the payment has been completed, and "Not yet" means that the payment has not been completed.

[0069] Returning to FIG. 1, the reception processing module 1126 stored in the memory 112 is executed by the processor 111 to perform processing for receiving various instructions from users in the electronic commerce platform for each user.

[0070] Furthermore, a transaction processing module 1127 stored in the memory 112 controls transactions of goods on the e-commerce platform by being executed by the processor 1111. For example, the transaction processing module 1127 executes user registration, listing processing, sales processing, selling processing (bidding processing), evaluation processing, and the like on the e-commerce platform.

[0071] Furthermore, a payment processing module 1128 stored in the memory 112 is executed by the processor 1111 to control payment processing in the e-commerce platform. For example, the payment processing module 1128 performs billing and settlement processing for the payment amount to a user who has purchased a product, and pays the sales amount to a user who has sold a product in the e-commerce platform.

[0072] Furthermore, the proposal processing module 1129 stored in the memory 112 is executed by the processor 1111 to control various proposal processes for users who use the e-commerce platform. For example, the payment processing module 1128 performs a process of proposing installment payments to users who purchase products on the e-commerce platform. Note that in this embodiment, when the proposal processing module 1129 "proposes" some information, it may mean displaying a message, icon, or the like indicating that some information is being proposed on the screen of the terminal 120 used by the user.

[0073] Furthermore, a generation processing module 1130 stored in the memory 112 is executed by the processor 1111 to perform processing for generating listing information for products to be listed on the e-commerce platform.

[0074] Furthermore, a display processing module 1131 stored in the memory 112 is executed by the processor 1111 to perform processing for generating screen data for various screens provided by the e-commerce platform.

[0075] In this embodiment, if a user purchases an item on sale in installments, the user can sell the purchased item on the e-commerce platform even before the installment payments are completed. Furthermore, if the item is sold before the installment payments are completed, all or part of the sales proceeds from the sale of the item can be applied to the remaining installment payments (the sales proceeds can be used to settle the remaining installment payments).

[0076] Below, we will explain the process of using a portion of the sales proceeds from the sale of a product purchased on an installment plan by a user on an e-commerce platform to settle the remaining installment balance.

[0077] The reception processing module 1126 receives instructions from the user regarding the method of paying for the product sold by another user (payment method). For example, the reception processing module 1126 receives instructions from the user to purchase the product on installment payments (hereinafter referred to as "installment payment purchase instructions for the product") or instructions to purchase the product in a lump sum payment.

[0078] When payment in installments is made, the first payment may be required at the time of purchase, or may be set as not required. For example, when purchasing a 10,000 yen product in four installments, the user may pay each installment of 2,500 yen (+ interest) (+ handling fee) at the time of purchase, or may pay by the first payment due date without paying at the time of purchase. Furthermore, the first payment in installments does not have to be made the month after the product purchase, but may be made two months later. The first payment date may also be set to any date. The amount of interest and handling fee may be varied based on the user's credit information. For example, the higher the user's credit rating, the lower the amount of interest and handling fee may be set. The user's credit rating may be set based on the user's behavioral information, and may be set higher the more payments or product purchases the user makes.

[0079] The transaction processing module 1127 executes various transaction processes related to a user's purchase of a product. The transaction processes include, for example, a process of notifying other users that a product has been purchased, a process of notifying a user that another user has shipped a product, a process of notifying other users that a user has received a product and completed inspection, a process of paying the sale price of a product to another user who sold the product, etc. For example, the transaction processing module 1127 executes a transaction process for a product in response to an instruction to purchase the product on installment payments.

[0080] The settlement processing module 1128 allocates at least a portion of the proceeds from the sale of the product by the user to settle at least a portion of the remaining installment balance of the user.

[0081] With the above process, when a user pays for an electronic commerce transaction in installments, the user can allocate at least a portion of the sales proceeds from the sale of the product purchased on installments to settle at least a portion of the remaining installment debt, thereby improving the flexibility of settlement. In addition, by allocating all or a portion of the sales proceeds to the remaining installment debt, it becomes possible to prevent the user from delaying payments.

[0082] The reception processing module 1126 accepts from the user a designation of the number of installment payments and / or the payment amount. The reception processing module 1126 may be configured to accept from the user a designation of the number of installment payments or a designation of the amount of each payment. When the user designates the number of payments, the amount of each payment may also be automatically determined. When the user designates the amount of each payment, the number of payments may also be automatically determined. Furthermore, an upper limit may be set on the number of installments and / or the amount of each payment that the user can select, depending on the price of the product. In this case, the reception processing module 1126 may be configured to accept from the user a designation of the number of installment payments and / or the amount of each payment, within the range of the upper limit.

[0083] Through the above process, when purchasing a product on the e-commerce platform, the user can use installment payment with any number of payments or any payment amount.

[0084] When a user purchases a product in installments, the proposal processing module 1129 proposes the number of installment payments and / or the amount to be paid per installment based on at least one of the amount of the product purchased by the user, the user's past installment payment history, and the installment payment history of other users other than the user.

[0085] For example, if the number of installments when the user previously purchased a product through installments was two, the proposal processing module 1129 may propose to the user two installment payments. Furthermore, the proposal processing module 1129 may propose the number of payments based on the amount of each installment when the user previously purchased a product through installments. For example, if the amount of each installment when the user previously purchased a product through installments was 2,000 yen and the price of the product was 10,000 yen, the proposal processing module 1129 may propose to the user five installment payments (10,000 yen ÷ 2,000 yen = 5 times).

[0086] In addition, if the average payment amount per installment when other users select installment payment is 5,000 yen and the price of the product is 10,000 yen, the proposal processing module 1129 may suggest to the user that the number of installment payments be two (10,000 yen ÷ 5,000 yen = 2).

[0087] Furthermore, the reception processing module 1126 may be configured to accept a designation of the number of installment payments and / or payment amount from among the number of installment payments and / or payment amounts proposed to the user by the proposal processing module 1129. For example, if the number of installments proposed by the proposal processing module 1129 is 10, the reception processing module 1126 may be configured to accept a designation of any number of installments between 2 and 10.

[0088] Furthermore, the proposal processing module 1129 may dynamically change the number of installment payments and / or the amount of each installment payment proposed for each user, depending on the price of the product purchased by the user, etc.

[0089] Through the above process, it becomes possible to propose a more appropriate number of payments and / or a more appropriate amount per payment to a user who purchases a product on an installment basis.

[0090] In this embodiment, installment payments may be permitted when purchasing a product on the e-commerce platform only when a specific payment method is used to pay for the product. The specific payment method may be, for example, a specific credit card. In this case, the proposal processing module 1129 may propose installment payments if the user can use the specific payment method. If the user cannot use the specific payment method, the proposal processing module 1129 may display a screen on the screen of the user's terminal 120 that accepts a request to use the specific payment method.

[0091] Through the above process, it is possible to encourage users who use a specific payment method to purchase products on installment payments.

[0092] The proposal processing module 1129 may propose installment payments to the user when the user's credit limit is equal to or greater than the sales price (first sales price) of the product sold by another user, when the first sales price of the product sold by another user is equal to or greater than a predetermined amount, or when the product belongs to a predetermined category. The predetermined amount is arbitrary, but may be set to, for example, 10,000 yen or 20,000 yen. The predetermined category is also arbitrary, but may be, for example, a relatively expensive category such as home appliances.

[0093] For example, suppose that the price (first selling price) of a product being sold by another user on the e-commerce platform is 10,000 yen, and the credit limit registered in the user's credit information is 100,000 yen or more. In this case, the proposal processing module 1129 may propose to the user that the product be purchased in installments. The proposal processing module 1129 can obtain the user's credit information by inquiring of the server 150.

[0094] The above process makes it possible to encourage users to purchase products on installment payments when they satisfy certain conditions, such as when purchasing a high-priced product.

[0095] The proposal processing module 1129 may propose to the user the sale (listing) of a product purchased in installments. Furthermore, when proposing the listing of a product purchased in installments, the proposal processing module 1129 may propose that the user apply at least a portion of the remaining installment balance to the product before listing it.

[0096] Furthermore, when the user accepts the proposal and thereby instructs the sale of the product, the generation processing module 1130 may generate product information to be input by the user when selling the product on the e-commerce platform, using product information when the product was previously bought and sold on the e-commerce platform. For example, the generation processing module 1130 may access the transaction management information 1124 to obtain product information when another user sold a product (hereinafter referred to as "first product information"), and may generate product information when the user sells a product (hereinafter referred to as "second product information") by using at least a part of the first product information.

[0097] The generation processing module 1130 accesses the payment management information 1125 to identify the listing ID of the product purchased by the user on installment payments. The generation processing module 1130 also accesses the transaction management information 1124 to acquire first product information associated with the identified listing ID. The generation processing module 1130 also copies a portion of the acquired first product information to generate second product information for use when the user lists the product purchased on installment payments. For example, the generation processing module 1130 may copy the product name, image, model number, selling price, and manufacturer name of the second product information from the first product information and prompt the user to input a product description for the second product information. The generation processing module 1130 may also allow the user to edit all items of the second product information. After the second product information has been entered and an instruction to list the product has been received from the user, the transaction processing module 1127 lists the product on the e-commerce platform.

[0098] Furthermore, the generation processing module 1130 may be configured to allow a user to put up a product at the time the user purchases the product. For example, a "Purchase and List" button may be displayed on a product purchase screen, and when the user presses the button, the generation processing module 1130 may generate second product information from the first product information of the product purchased by the user. Note that when a product is put up for sale using the "Purchase and List" button, the buying and selling fee may be reduced.

[0099] The generation processing module 1130 may generate the second product information by proposing a sales price for the user to sell the product (hereinafter referred to as a "second sales price") based on the sales price (hereinafter referred to as a "first sales price") when another user sold the product or the remaining installment balance of the user. The generation processing module 1130 may propose the first sales price as the second sales price, or may propose a price obtained by multiplying the first sales price by a predetermined coefficient (e.g., 0.9) as the second sales price. If the first sales price differs between when the product is put up for auction and when it is sold, the generation processing module 1130 may propose the price at the time of putting up the product as the second sales price, or may propose the price at the time of selling as the second sales price. The predetermined coefficient may be set based on the period from when the product is sold to when the second product information is generated. For example, the predetermined coefficient may be set lower the longer the period from when the product is sold to when the second product information is generated.

[0100] Furthermore, the generation processing module 1130 may propose the remaining installment balance when proposing the sale of a product purchased in installments to a user as the second selling price, or may propose the remaining installment balance multiplied by a predetermined coefficient as the second selling price. For example, if the remaining installment balance of a user is 5,000 yen, the generation processing module 1130 may propose 5,000 yen as the second selling price.

[0101] When generating the second product information, the generation processing module 1130 may include a proposed second selling price in the second product information. In other words, the generation processing module 1130 may automatically set a proposed second selling price in the second product information when selling a product purchased in installments.

[0102] The generation processing module 1130 may simply notify the user of the proposed second selling price, rather than automatically setting the proposed second selling price in the second product information. The proposal processing module 1129 may also display the remaining installment balance or the amount already paid in installments on a screen on which the user lists a product purchased in installments.

[0103] Through the above process, when a user lists a product purchased on an installment plan on an e-commerce platform, the product information is automatically set, eliminating the need for the user to manually enter the product information again, enabling the user to list the product quickly. Furthermore, the user can adjust the selling price themselves, taking into account the proposed second selling price, the remaining installment balance, or the amount already paid in installments.

[0104] When a user purchases a product in installments, the proposal processing module 1129 may propose to sell the product a predetermined number of days before the first installment payment deadline. Furthermore, when a user purchases a product in installments, the proposal processing module 1129 may propose to sell the product a predetermined period of time after the user purchases the product. The predetermined period may be one month, two months, or even zero. When the predetermined period is zero, the proposal processing module 1129 proposes to sell the product immediately after the user purchases the product.

[0105] In this embodiment, the installment fee may not be charged if the number of installments falls below a predetermined number, for example, due to an early repayment. For example, if the number of installments is five, the installment fee may not be charged if the remaining balance is paid off before the third payment deadline. In this case, when a user purchases a product through installments, the proposal processing module 1129 may propose the sale of the product a predetermined period (e.g., two weeks) before the timing when the installment fee would be charged (e.g., the third payment deadline).

[0106] The predetermined period may also be set according to the category to which the product belongs. For example, if the category is books, the predetermined period may be set to one month or the like, taking into account the time it takes for a user to finish reading a book. If the category is children's clothing, the predetermined period may be set to two years or the like, taking into account the time it takes for a child to grow up. Furthermore, when proposing the sale of the product, the suggestion processing module 1129 may display a predetermined message on the user's terminal 120 according to the category to which the product belongs. For example, if the category is books, a message such as "Have you finished reading it yet?" may be displayed.

[0107] By the above process, it becomes possible to offer product sales at an appropriate time to users who have purchased products on installment payments.

[0108] When settling an installment payment, the payment processing module 1128 may apply the sales proceeds of the product to the remaining installment payment balance, or may apply the amount of the sales proceeds minus a fee to the remaining installment payment balance. For example, if the remaining installment payment balance is 5,000 yen and the sales proceeds of the product are 6,000 yen, the payment processing module 1128 may apply 5,000 yen of the sales proceeds to the remaining installment payment balance. Alternatively, if the fee is 1,200 yen, the payment processing module 1128 may apply 4,800 yen of the sales proceeds to the remaining installment payment balance.

[0109] Furthermore, when settling installment payments, the payment processing module 1128 may apply the remaining balance of the user's account to the remaining installment balance after applying the sales proceeds to the installment balance, or to the remaining installment balance after applying the amount of sales proceeds minus fees to the installment balance. For example, if the remaining installment balance is 8,000 yen and the product sales proceeds are 6,000 yen, even after applying the sales proceeds, the remaining installment balance will be 2,000 yen. In this case, the payment processing module 1128 may refer to the account information 1123, and if the balance of the user's account is 2,000 yen or more, deduct 2,000 yen from the balance of the user's account and apply it to the remaining installment balance.

[0110] The payment processing module 1128 may settle the installment payments (apply the sales proceeds to the remaining balance) when an item put up for auction by a user is sold. For example, if the remaining balance is 7,500 yen and the item is sold for 10,000 yen, 2,500 yen may be added to the user's balance. Alternatively, the payment processing module 1128 may temporarily add the sales proceeds to the user's balance when the item is sold, and then, when the installment payment date arrives, apply the balance in the user's account to the remaining installment payment. For example, if the remaining balance is 7,500 yen and the item is sold for 10,000 yen, the sales proceeds of 10,000 yen may be temporarily added to the user's balance, and then, on the installment payment date, 7,500 yen may be deducted from the user's balance.

[0111] By using the above process, when a user with remaining installment payments sells a product, the sales proceeds from the sale can be offset against the remaining debt. Also, if the sales proceeds are less than the remaining debt, the shortfall can be offset against the user's remaining balance, making it possible to more reliably settle the remaining installment payments.

[0112] The display processing module 1131 may be configured to display the installment payment settlement history. Furthermore, when displaying the installment payment settlement history, the display processing module 1131 may be configured to display the sales proceeds and the remaining installment payment balance together on one screen (for example, displaying them together in one statement). Furthermore, the display processing module 1131 may be configured to display the sales proceeds and the remaining installment payment balance on separate screens (for example, displaying them separately in two statements). Furthermore, the display processing module 1131 may be configured to display the sales amount history on the screen of the user's terminal 120. At this time, with regard to the sales amount that has been applied to the remaining installment payment balance, the amount obtained by subtracting the remaining installment payment balance from the sales amount may be displayed in the sales amount history.

[0113] Through the above process, the user can easily grasp both the settlement status of installment payments and the proceeds from the sale of the product.

[0114] The one or more processors 111 described above read and execute each module as necessary from the memory 112. For example, the one or more processors 111 may execute the reception processing module 1126, the transaction processing module 1127, the settlement processing module 1128, the proposal processing module 1129, the generation processing module 1130, and the display processing module 1131 to configure a reception processing unit, a transaction processing unit, a settlement processing unit, a proposal processing unit, a generation processing unit, and a display processing unit, respectively.

[0115] (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 .

[0116] 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.

[0117] The input device 125 accepts various operations from the user of the terminal 120 .

[0118] 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, etc. 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.

[0119] The processor 121 performs processing to utilize a predetermined service provided by the server 110 .

[0120] In one embodiment, the memory 122 stores the following programs: a program 1221, a transaction processing module 1222, a display control module 1223, and data structures, or a subset thereof. Note that the information stored in the memory 122 may be stored in another storage device (e.g., storage 123).

[0121] As described above, the program 1221 is a program loaded from the storage 123 and includes instructions and the like related to each embodiment.

[0122] The transaction processing module 1222 executes a process for conducting a buying and selling transaction of a product on the e-commerce platform. For example, the transaction processing module 1222 executes a process for listing a product or purchasing a product on the e-commerce platform.

[0123] The display control module 1223 controls the display of screen data related to the e-commerce platform on the output device 126. For example, the display control module 1223 controls the display of a screen for listing a product, controls the display of a screen for purchasing a product, displays a message suggesting installment payments, or displays a message suggesting the sale of a product.

[0124] The one or more processors 121 described above read and execute each module as necessary from the memory 122. For example, the one or more processors 121 may configure a transaction processing unit and a display control unit by executing the transaction processing module 1222 and the display control module 1223, respectively.

[0125] <Operational Processing of the Embodiment> The processing of the information processing system 1 according to the embodiment will be described with reference to Fig. 6. Fig. 6 shows an example of a flowchart of the processing of the information processing system 1 according to the embodiment. Note that the processing shown in Fig. 6 is an example of processing in which a user purchases a product in a lump sum or in installments.

[0126] (Step S100) The reception processing module 1126 receives the selection of a product to be purchased from a user who uses the e-commerce platform.

[0127] (Step S101) The proposal processing module 1129 determines whether the user can use a specific payment method. If the user can use the specific payment method, the process proceeds to step S103. If the user cannot use the specific payment method, the process proceeds to step S102.

[0128] (Step S102) The proposal processing module 1129 displays a message on the screen of the user's terminal 120 proposing to the user that he or she sign up for a particular payment method.

[0129] (Step S103) The proposal processing module 1129 determines whether or not to propose installment payment to the user. If installment payment is proposed, the process proceeds to the processing procedure of step S104, and if installment payment is not proposed, the process proceeds to the processing procedure of step S107. For example, the proposal processing module 1129 may confirm that the user's credit limit, acquired by inquiring to the server 150, is equal to or greater than the sales price of the product to be purchased by the user, and if the credit limit is equal to or greater than the sales price, the process proceeds to the processing procedure of step S104.

[0130] (Step S104) The proposal processing module 1129 proposes the number of installment payments and / or the payment amount per installment based on at least one of the amount of the product the user purchases in installments, the user's past installment payment history, and the installment payment history of other users other than the user. The proposal processing module 1129 also accepts a designation of the number of installment payments and / or the payment amount from the user.

[0131] (Step S105) The reception processing module 1126 receives a selection from the user as to whether or not to purchase in installments. If the user selects to purchase in installments, the process proceeds to step S106, and if the user does not select to purchase in lump sum payment, the process proceeds to step S107.

[0132] (Step S106) The transaction processing module 1127 executes various transaction processes related to the user's purchase of a product on installment payments. For example, the transaction processing module 1127 records in the payment management information 1125 that the user has purchased a product on installment payments, notifies other users that the product has been purchased, and pays the sale price of the product to other users who have sold the product.

[0133] (Step S107) The acceptance processing module 1126 accepts the selection of a payment method from the user. The selectable payment method may be, for example, immediate payment from the user's balance, payment by credit card (lump sum payment), etc. The payment processing module 1128 performs processing such as deducting the amount of the product the user is purchasing from the user's balance and charging the credit card according to the payment method selected by the user.

[0134] (Step S108) The transaction processing module 1127 executes various transaction processes related to the purchase of a product by a user. For example, the transaction processing module 1127 records in the payment management information 1125 that the user has purchased a product in installments, notifies other users that the product has been purchased, and pays the sale price of the product to other users who have sold the product.

[0135] The processing of the information processing system 1 according to the embodiment will be described with reference to Fig. 7. Fig. 7 shows an example of a flowchart of the processing of the information processing system 1 according to the embodiment. The processing shown in Fig. 7 is an example of a processing for proposing to a user the sale of a product purchased on installment payments. The server 110 may be configured to execute the processing shown in Fig. 7 at predetermined intervals (for example, once a day).

[0136] (Step S200) The proposal processing module 1129 determines whether or not the conditions for proposing to the user the sale (listing) of a product purchased in installments are met. For example, the proposal processing module 1129 may determine that the sale of the product is to be proposed if today is a predetermined number of days before the due date for the first installment payment. The proposal processing module 1129 may also determine that the sale of the product is to be proposed if a predetermined period has passed since the user purchased the product in installments. If the conditions for proposing the sale of the product are met, the process proceeds to the processing procedure of step S201, and if the conditions for proposing the sale of the product are not met, the process ends.

[0137] (Step S201) The proposal processing module 1129 displays a message on the screen of the user's terminal 120 proposing the sale (listing) of the purchased product.

[0138] (Step S202) If the user selects to sell the purchased product, the reception processing module 1126 proceeds to the processing procedure of step S203. If the user does not select to sell the purchased product, the reception processing module 1126 ends the processing.

[0139] (Step S203) The generation processing module 1130 accesses the transaction management information 1124 to acquire product information (first product information) when another user sells a product, and generates product information (second product information) when the user sells a product by using at least a part of the first product information. The generation processing module 1130 displays the generated second product information on the screen of the user's terminal 120.

[0140] (Step S204) The generation processing module 1130 determines the amount to be proposed as the selling price (second selling price) when the user sells the product, based on the selling price (first selling price) when another user sold the product or the remaining installment balance of the user. The generation processing module 1130 also displays the determined amount on the screen of the user's terminal 120. The reception processing module 1126 also receives a designation of the selling price when the product is sold from the user.

[0141] The processing of the information processing system 1 according to the embodiment will be described with reference to Fig. 8. Fig. 8 shows an example of a flowchart of the processing of the information processing system 1 according to the embodiment. The processing shown in Fig. 8 is an example of processing for settling the remaining installment debt of a user.

[0142] (Step S300) The payment processing module 1128 determines whether or not to settle the remaining debt. For example, the payment processing module 1128 settles the installment payments when the installment payment date arrives. The payment processing module 1128 may also settle the installment payments when an item put up for auction by the user is sold. If the payment processing module 1128 decides to settle the installment payments, it proceeds to the processing procedure of step S301, and if the payment processing module 1128 does not decide to settle the installment payments, it terminates the processing.

[0143] (Step S301) The settlement processing module 1128 settles the account by applying the proceeds from the sale of the product or the user's remaining balance to the remaining installment payments.

[0144] <Screen example> Next, examples of screens displayed on the user's terminal 120 will be described with reference to Figs. 9 to 11. Fig. 9 is a diagram showing an example of a screen for selecting a payment method when purchasing a product. Fig. 10 is a diagram showing an example of a screen for purchasing a product. Fig. 11 is a diagram showing an example of a screen for displaying the settlement history of installment payments.

[0145] R10 on screen D10 displays the price when purchasing the product in a lump sum payment and the amount to be paid per installment when purchasing the product in installments. The user can also input the desired number of payments or the amount to be paid per installment in input fields B12 and B13. Note that when the number of payments is input, the amount to be paid per installment may be automatically changed. Also, when the amount to be paid per installment is input, the number of payments may be automatically changed. Pressing button B10 on screen D10 selects installment payment, and pressing button B11 selects lump sum payment.

[0146] Screen D20 shown in Fig. 10 is the screen to which the user transitions when button B11 is pressed on screen D10 in Fig. 9. Screen D20 displays the determined number of installments and the payment amount per installment, and when button B21 is pressed, the product purchase process begins.

[0147] Screen D30 shown in Figure 11 displays the settlement history of installment payments. R30 displays the installment payment due date, amount, and whether or not payment has been made. R31 also displays that the product (a bag made by xxx) was sold for 8,000 yen on June 10th.

[0148] 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 order of the above-described processing steps can be arbitrarily changed or executed in parallel as long as no contradiction occurs in the processing content. [Explanation of symbols]

[0149] 1...information processing system, 110...server, 111...processor, 112...memory, 113...storage, 114...input / output I / F, 115...input device, 116...output device, 117...transmitting / receiving unit, 120...terminal, 121...processor, 122...memory, 123...storage, 124...input / output I / F, 125...input device, 126...output device, 127...transmitting / receiving unit, 1126...acceptance processing module, 1127...transaction processing module, 1128...settlement processing module, 1129...proposal processing module, 1130...generation processing module, 1131...display processing module, 1222...transaction processing module, 1223...display control module

Claims

1. The information processing device Accepting installment purchase instructions for the product from the user; Executing a transaction process for the product in response to the purchase instruction; Applying at least a portion of the proceeds from the sale of the product to the settlement of at least a portion of the remaining installment payments; An information processing method that performs the above.

2. Accepting the purchase instruction Accepting a designation of the number of installment payments and / or the payment amount from the user; Including, The information processing method according to claim 1 .

3. The information processing device and further executing the method of proposing the number of installment payments and / or the amount of each installment payment based on at least one of the price of the product, the user's past installment payment history, and the installment payment history of other users other than the user. The information processing method according to claim 1 .

4. The information processing device, and offering the user the option to pay in installments if the user has access to a particular payment method. The information processing method according to claim 1 .

5. The information processing device, and further executing the method of proposing the installment payment to the user when the credit limit of the user is equal to or greater than the first selling price of the product, when the first selling price of the product is equal to or greater than a predetermined amount, or when the product belongs to a predetermined category. The information processing method according to claim 4.

6. The information processing device Proposing the sale of the product to the user; When the user instructs the sale of the product, the system further executes acquiring first product information when another user sells the product, and generating second product information when the user sells the product by using at least a part of the first product information. The information processing method according to claim 1 .

7. Generating the second product information includes: proposing a second selling price when the user sells the product based on a first selling price when the other user sold the product or the remaining installment payment of the user; The information processing method according to claim 6.

8. Proposing the sale of the product to the user offering to sell the product a predetermined number of days before the first installment payment is due; The information processing method according to claim 6.

9. The appropriation is applying the sales proceeds to the remaining balance of the installment payments, or applying the amount of the sales proceeds minus a fee to the remaining balance of the installment payments, The information processing method according to claim 1 .

10. The appropriation is further allocating the balance of the user's account to the remaining balance after allocating the sales proceeds to the remaining installment balance, or to the remaining balance after allocating the amount of the sales proceeds minus fees to the remaining installment balance, The information processing method according to claim 9.

11. The appropriation is adding the sales proceeds to the user's balance, and applying the balance in the user's account to the remaining balance of the installment payment when the installment payment date arrives. The information processing method according to claim 1 .

12. The information processing device, further performing displaying a settlement history of the installment payment; Displaying the settlement history includes displaying the sales amount and the remaining installment balance together on one screen, or displaying the sales amount and the remaining installment balance on separate screens. The information processing method according to claim 1 .

13. The information processing device provides an electronic commerce service that mediates the buying and selling of goods, and a payment service. The information processing method according to claim 1 .

14. In the information processing device, Accepting installment purchase instructions for the product from the user; Executing a transaction process for the product in response to the purchase instruction; Applying at least a portion of the proceeds from the sale of the product to the settlement of at least a portion of the remaining installment payments; A program to execute.

15. An information processing device including one or more processors and a memory, the one or more processors: Accepting installment purchase instructions for the product from the user; Executing a transaction process for the product in response to the purchase instruction; Applying at least a portion of the proceeds from the sale of the product to the settlement of at least a portion of the remaining installment payments; An information processing device that executes the above.

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