Information processing method, information processing apparatus, and storage medium

Abstract

To provide an information processing method, a program and an information processor for notifying a user of a future balance in consideration of a debt or the like to be paid later by the user in an electronic commerce platform.SOLUTION: An information processing method includes calculating, by an information processing apparatus that provides an electronic commerce platform or cooperates with the electronic commerce platform, a future balance of a user based on a balance held by the user, a debt of the user based on a fixed debt and / or a debt scheduled to occur in the future, and an amount of money to be paid to the user by a repayment date of at least a part of the debt of the user, and transmitting the calculated future balance to an information processing terminal of the user.SELECTED DRAWING: Figure 5

Description

[Technical Field]

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

[0002] Currently, various systems related to electronic commerce and money management are known. In Reference 1, the amount of the delivery scheduled for the remaining period of the transaction period that is the billing unit is This is billing management that predicts the accounts receivable balance at the time of closing and automatically calculates the billing amount based on that. Furthermore, Patent Document 2 discloses a system that stores transaction details data of an account for a predetermined period. and calculates the amount of cash flow in the account over a given period based on transaction details and the account's historical income and expenditure trends. A banking system is disclosed that calculates projected balances in [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2003-296634 [Patent Document 2] Japanese Patent Application Laid-Open No. 2015-125530 Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional e-commerce platforms, when a user purchases an item, the purchasing user A system that allows users to pay at a later date rather than paying from their own balance. However, the buying and selling of goods and the payment of purchases on such e-commerce platforms are It is difficult for users who use deferred payment to properly grasp their balance at a future point in time. is.

[0005] Therefore, the present disclosure provides a method for calculating future payments that takes into account the debts that users will pay later and the amount of money that will be received in the future. To provide an information processing method, a program, and an information processing device that allow a user to check the balance of The purpose is to: [Means for solving the problem]

[0006] An information processing method according to an embodiment of the present disclosure provides an e-commerce platform or An information processing device linked to the electronic commerce platform compares the user's balance with the confirmed balance. the User's obligations based on the current and / or future obligations and the User's obligations and the amount of money that will be received by the user by the repayment date of at least a portion of the debt, Calculating a future balance of a user, and transmitting the calculated future balance to an information processing terminal of the user. and executing. [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 one aspect of the first 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. 3 is a diagram showing an example of user information according to the first embodiment. [Figure 3] FIG. 2 is a diagram showing an example of purchase history information according to the first embodiment. [Figure 4] FIG. 2 is a diagram showing an example of transaction information according to the first embodiment. [Figure 5] FIG. 2 is a diagram showing an example of a processing sequence of the information processing system according to the first embodiment. [Figure 6] FIG. 4 is a diagram for explaining a specific example of a process for calculating a future balance according to the first embodiment. [Figure 7] FIG. 2 is a diagram showing an example of a screen display according to the first embodiment. [Figure 8] FIG. 10 is a diagram for explaining a specific example of a process for calculating a future balance according to the second embodiment. [Figure 9] FIG. 10 is a diagram showing an example of a screen display according to the second embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0008] <Legal compliance> The disclosures described in this specification are made in compliance with the laws and regulations of each country in which the disclosures are made. Furthermore, the disclosures set forth in this specification are not intended to be construed as a substitute for the full disclosure of the inventions that can be made by a person skilled in the art in order to comply with the laws and regulations of each country. This document is subject to all changes, substitutions, variations, alterations, or modifications.

[0009] Regarding the form for implementing the information processing method, the program, and the information processing device according to the present disclosure, This will be explained with reference to the drawings.

[0010] <System configuration> FIG. 1 shows a configuration of an information processing system 1 according to an embodiment of the present disclosure. In the system 1, the servers 110A and 110B are connected to the terminal 12 via the network 130. 0A, terminal 120B, and terminal 120C are connected.

[0011] If there is no need to distinguish between the server 110A and the server 110B, the server 110A and the server 110B are Server 10A and server 110B may be expressed as servers 110. The number of servers 110 connected to the network 130 is not limited.

[0012] When there is no need to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C In this example, the terminals 120A, 120B, and 120C are each referred to as the terminal 120. The number of terminals 120 connected to the network 130 is not limited.

[0013] The server 110 transmits a predetermined The predetermined services include, but are not limited to, payment services, financial services, etc. Social networking services (SNS), such as services, e-commerce services, and instant messaging services, are Social Networking Service), and content provision services such as music, videos, and books. The server 110 may provide one or more services independently, or may provide one or more services in a group. The server 110 may provide a service to one or more terminals 120. , a user can use the service via a terminal 120.

[0014] If necessary, the terminal used by user X is expressed as terminal 120X, and user X or terminal 120X, and the information associated with the user in a specific service is The user information is expressed as user information X. The user information is, for example and not by way of limitation, Or, the user's name, user icon image, user User information such as age, gender, address, hobbies, and user identifiers balance information of electronic value (electronic money) associated with the user , including credit card information (such as credit card number) associated with the user It is possible.

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

[0016] One or more portions of network 130 may be a wired network or a wireless network. The network 130 may be, by way of example and not limitation, an ad hoc network (Ad H oc Network), Intranet, Extranet, Virtual Private Network ( Virtual Private Network (VPN), Local Area Network (Local Area Network) network (LAN), Wireless LAN (WLAN), Wide Area Network (W Area Network (WAN), Wireless WAN (WWAN), Metropolitan Area Network Metropolitan Area Network (MAN), part of the Internet, public transport Part of the Public Switched Telephone Network (PSTN), mobile phone networks, IS DNs (Integrated Service Digital Networks), Wireless LANs, LTE (Long Term E evolution), CDMA (Code Division Multiple Access), Bluetooth (registered trademark), satellite communication, etc., and these may be combined. A network 130 may include one or more networks 130 .

[0017] The servers 110, 150 and the terminal 120 may perform the processes, functions or methods described in this disclosure. Any information processing device may be used as long as it can realize this.

[0018] The server 110 and the terminal 120 may be, for example, but not limited to, a smartphone, a mobile phone ( feature phones), computers (including but not limited to desktops, laptops, laptops, tablets, etc.), server equipment, media computer platforms (including but not limited to (Examples include cable, satellite set-top boxes, digital video recorders, etc.), Handheld computing devices (for example, but not limited to, PDAs (Personal Digital Assistants) tant), email clients, wearable devices (for example, but not limited to, Mega other types of computers or communications It may be a platform, or a combination of these.

[0019] <Hardware configuration of each information processing device> (1) Server hardware configuration Referring to FIG. 1, the hardware configuration of the server 110 included in the information processing system 1 will be described. I will explain.

[0020] The server 110 includes a processor 111, a memory 112, a storage 113, and an input / output An interface (input / output I / F) 114, an input device 115, an output device 116, and a transmission / reception The hardware components of the server 110 are, by way of example and not limitation, and are connected to each other via bus B.

[0021] The server 110 includes a processor 111, a memory 112, a storage 113, and an input / output The I / F 114 and the transceiver 117 cooperate to perform the processes, functions, or methods described in this disclosure. Realize the law.

[0022] The processor 111 executes code contained in a program stored in the storage 113, or or executes a process, function, or method embodied by the instructions. By way of example and not limitation, one or more central processing units (CPUs), MPUs (Micro Processors) ng Unit), GPU (Graphics Processing Unit), microprocessor r), processor core, multiprocessor, AS IC (Application-Specific Integrated Circuit), FPGA (Field Programmable Ga te Array), etc., and integrated circuits (IC (Integrated Circuit) chips, LSI (Large Sc Each implementation is implemented by logic circuits (hardware) and dedicated circuits formed in a system such as a Real-Time Integration (RTI). Each process, function, or method disclosed in the embodiments may be implemented. These circuits may be realized by one or more integrated circuits, and the multiple circuits shown in each embodiment may be realized by one or more integrated circuits. The processing may be realized by a single integrated circuit. It is sometimes called VLSI, super LSI, or ultra LSI.

[0023] The memory 112 temporarily stores a program 1121 loaded from the storage 113. The memory 112 provides a working area for the processor 111. It also temporarily stores various data generated while the program is running. 112 includes, by way of example and not limitation, RAM (Random Access Memory), ROM (Read Only Memory), The storage 113 may be a processor, a memory, or the like, or a combination of these. The storage 113 stores programs and various data. Hard Disk Drive (HDD), Solid State Drive (SSD), flash memory, etc. These may be combined.

[0024] The input / output I / F 114 includes an input device 115 for inputting various operations to the server 110; The server 110 is also connected to an output device 116 that outputs the processing results.

[0025] The input device 115 receives input from the user and outputs the input via the input / output I / F 114. Any type of device capable of transmitting input information to the processor 111; or The input device is realized by a combination thereof. Examples of the input device include, but are not limited to, a touch panel ... Touch displays, hardware keys such as keyboards, and pointing devices such as mice. It may be a chair, a camera (for inputting operations via images), a microphone (for inputting operations via voice), etc. , and these may be combined.

[0026] The output device 116 outputs the results of the processing performed by the processor 111 via the input / output I / F 114. Any or all types of devices capable of outputting the results, or a combination thereof. When the processing result is output as a video or a moving image, the output device 116 The display data can be displayed according to the display data written in the frame buffer. The output device 1 can be realized by any one of various types of devices or a combination thereof. 16 is a non-limiting example of a touch panel, a touch display, a monitor (including but not limited to a touch panel, a touch display, a monitor, etc.) Examples include liquid crystal displays and OELDs (organic electroluminescence displays). ), Head Mounted Display (HMD), Projection Mapping, holograms, images and text information in the air (including vacuum) It may be a displayable device, a speaker (audio output), a printer, etc., or a combination of these. These output devices may be capable of displaying display data in 3D. stomach.

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

[0028] The transmitting / receiving unit 117 transmits and receives various data via the network 130. The communication may be performed either by wire or wirelessly, as long as the communication can be performed. The transmitting / receiving unit 117 may use a communication protocol such as the following. The transmitting / receiving unit 117 has a function of communicating with other information processing devices. The information is transmitted to another information processing device in accordance with an instruction from the processor 111. 17 receives various data transmitted from other information processing devices and transmits them to the processor 111. do.

[0029] (2) Hardware configuration of the terminal 120 Referring to FIG. 1, the hardware configuration of the terminal 120 included in the information processing system 1 will be described. explain.

[0030] The terminal 120 includes a processor 121, a memory 122, a storage 123, and 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 include, by way of example and not limitation, a bus B. are connected to each other via

[0031] The terminal 120 includes a processor 121, a memory 122, a storage 123, and an input / output I / F 124, an input device 125, an output device 126, a transmitting / receiving unit 127, and a reading unit 128 In cooperation with, the process, function or method described in this disclosure is realized.

[0032] The processor 121 executes code or The processor 121 executes the process, function, or method embodied by the instructions. Examples include, but are not limited to, central processing units (CPU), MPUs (Micro Processing Units), and GPs. U (Graphics Processing Unit), microprocessor, processor Core (processor core), multiprocessor, ASIC (Application Specific Integrated Circuit) n-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc. IC (Integrated Circuit) chips, LSI (Large Scale Integration )) or the like, the logic circuit (hardware) or dedicated circuit disclosed in each embodiment Each of these circuits may implement a process, function, or method. Alternatively, it may be realized by a plurality of integrated circuits, and the plurality of processes shown in each embodiment may be implemented as a single integrated circuit. The LSI may be realized by a VLS circuit depending on the degree of integration. It is also called Super LSI or Ultra LSI.

[0033] The memory 122 temporarily stores a program 1221 loaded from the storage 123. The memory 122 provides a working area for the processor 121. Various data generated while 1 is executing program 1221 is also temporarily stored. The memory 122 may include, for example and without limitation, a random access memory (RAM), a read only memory (ROM), and so on. Ad Only Memory), etc., and these may be combined.

[0034] The storage 123 stores programs and various data. For example, HDD (Hard Disk Drive), SSD (Solid State Drive), flash The memory may be a memory, or a combination of these.

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

[0036] The input device 125 receives input from a user and transmits information related to the input to a processor. 121 is realized by any of the various types of devices capable of transmitting information, or by a combination thereof. Examples of the input device include, but are not limited to, a touch panel, a touch display, a keyboard, hardware keys such as a keyboard, pointing devices such as a mouse, and cameras (image-based operation input), microphone (voice operation input), etc., and these may be combined. Good too.

[0037] The output device 126 is a device that can output the processing results processed by the processor 121. The processing results are realized by any of the above types of devices or a combination thereof. When outputting as video or video, the output device uses the data written to the frame buffer. Any of all types of devices capable of displaying the display data in accordance with the display data. The output device may be, for example and without limitation, a touch panel. touch displays, monitors (including but not limited to LCD displays, OELDs, Organic Electroluminescence Display), head-mounted display (HMD) : Head Mounted Display), projection mapping, hologram, in the air, etc. A device capable of displaying images, text information, etc. on the display (which may be empty), a speaker (audio output), The output device may be a printer or the like, or a combination of these. may be capable of displaying display data in 3D.

[0038] The input device 125 and the output device 126 may be integrated, or the input device 125 and the output device 126 may be integrated. The output device 126 may be separate.

[0039] The transmitting / receiving unit 127 transmits and receives various data via the network 130. The communication may be performed either by wire or wirelessly, as long as the communication can be performed. The transmitting / receiving unit 127 may use a communication protocol such as the following. The transmitting / receiving unit 127 has a function of communicating with other information processing devices. The information is transmitted to another information processing device in accordance with an instruction from the processor 121. 27 receives various data transmitted from other information processing devices and transmits them to the processor 121. do.

[0040] (3) Other Cloud computing, which is composed of one or more information processing devices, includes a server 110, Alternatively, at least a part of the process, function, or method may be implemented in the terminal 120. .

[0041] Another information processing device may execute processing, functions, or In this case, the processor of the other information processing device may implement at least a part of the method. At least a part of the processing performed by the processor 111 or the processor 121 The process may be implemented.

[0042] The program for executing the processes of each embodiment of the present disclosure is stored in a computer-readable storage medium. The software may be provided in a state stored on a storage medium. The storage medium is a "non-transitory tangible medium." The program may be stored in a memory, such as, by way of example and not limitation, a software program. It may be a program, a computer program, etc.

[0043] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (including, but not limited to, Examples include field programmable gate arrays (FPGAs), application-specific ICs (ASICs), hard disk drives (HDDs), hybrid Hard disk drives (HHD), optical disks, optical disk drives (ODD), magneto-optical disks Floppy diskette, optical disk drive, magnetic disk drive (F DD), magnetic tape, solid state drives (SSD), RAM drives, Secure Digital It may be a card or drive, any other suitable storage medium, or a combination thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile. good.

[0044] The program of the present disclosure can be transmitted over any transmission medium (communication network) capable of transmitting the program. may be provided to the server 110 or the terminal 120 via a network, a broadcast wave, or the like. .

[0045] Furthermore, each embodiment of the present disclosure may be a carrier in which the program is embodied by electronic transmission. It can also be realized in the form of a data signal embedded in a wave.

[0046] The program of the present disclosure may be, but is not limited to, JavaScript (registered trademark), Python, or the like. Scripting languages ​​such as C, Go, Swift, Kotlin, and Java (registered trademark) are used. It may be implemented as follows.

[0047] <Other> Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not essential, and the judgment conditions If the condition is met, a predetermined process is executed, or if the judgment condition is not met, a predetermined process is executed. It may also be done.

[0048] The present disclosure does not include any changes, substitutions, variations, modifications, or other changes that a person skilled in the art may make to the present disclosure. The appended claims also encompass modifications that would occur to one skilled in the art to which the claims pertain. Furthermore, this disclosure is intended to encompass all changes, substitutions, variations, modifications, or alterations that may occur to those skilled in the art. One or more features of the embodiments or examples of the present disclosure may be achieved by the This includes any combination of one or more features of the embodiments or examples.

[0049] Additionally, it is possible to say that a particular process, function, or method is adapted, arranged, or capable of being performed. A device or system having, configured with, capable of being used, operable, or operable References in the accompanying claims to a system or device or system component are , the device, system, or component is so adapted, arranged, or capable of To the extent that it is configured, enabled, made operable, or operative, A device, system, component or specific function thereof is activated, turned on, or includes any device, system or component thereof, whether locked or unlocked. .

[0050] This disclosure does not, unless expressly stated, preclude the use of any particular embodiment or example. Consent from the user may be obtained before or immediately before the implementation. , it may be comprehensive or acquired on an ad hoc basis.

[0051] First Embodiment In the first embodiment, an electronic commerce platform is used to check the balance held by a user and the confirmed balance. User's obligations under existing and / or future obligations and User's and the amount of the debt that will be received by the user by the repayment date of at least a portion of the debt. In the first embodiment, the future balance of the balance held by the electronic commerce user is calculated. In the credit platform, the product price that the user decides to pay later is not a confirmed bond. In addition, when users browse products on e-commerce platforms, The price of the product that the user is viewing can be treated as a future obligation. If there are any products etc. that have been sold to other users, the other users may not pay the user. All or part of the product price will be treated as the amount to be deposited with the user.

[0052] According to the first embodiment, in the e-commerce platform, the debt to be paid by the user at a later date can be It is possible to notify users of their future balance, taking into account the amount of future deposits, etc. In addition, the user can see how much the future balance will be if he or she purchases the product he or she is currently viewing. Therefore, if you think you have a surplus in the future balance, This is thought to be a motivation for purchasing the product being viewed. According to the method, it is possible to obtain an effect that it is possible to encourage users to purchase products. .

[0053] <Configuration of the first embodiment> The configuration of the server 110 and the terminal 120 will be described with reference to FIG.

[0054] (1) Server configuration The server 110 includes a processor 111, a memory 112, a storage 113, and an input / output I / F. F114, an input device 115, an output device 116, and a transmitting / receiving unit 117.

[0055] The processes, functions, or methods that can be implemented by the processor 111 are within the scope of what can be realized. Even if it is realized by machine learning or AI (Artificial Intelligence) in the field, good. The input / output I / F 114 receives data from the input device 115 or the output device 116 via the server 110. It accepts various setting operations from operators of the various services provided by the service.

[0056] The transmitting / receiving unit 117 transmits and receives data to and from the terminal 120 etc. in accordance with instructions from the processor 111. The transmitting / receiving unit 117 receives, for example, the password included in the login request from the terminal 120 or the like. When the user of the terminal 120 or the like is authenticated by the user ID and password, A communication session using HTTPS etc. is established with the The communication address of the terminal 120 and the user ID are recorded in association with the session ID. Then, data is sent to the terminal 120 or the like using the connected communication session. Believe.

[0057] The memory 112 stores a program 1121, user information 1122, purchase history information 1123, Transaction information 1124, balance calculation module 1125, proposal processing module 1126, display control The control module 1127 and data structures, or a subset thereof, are stored in the control module 1127.

[0058] As described above, the program 1121 is a program loaded from the storage 113. The program includes instructions and the like related to the processing in the first embodiment.

[0059] User information 1122 is information of users registered on the e-commerce platform. The user information 1122 may also be shared with the payment service provider.

[0060] The purchase history information 1123 includes information about the products purchased by the user and the payment for the products. Contains information about

[0061] Transaction information 1124 is transaction information of the item (product) on the e-commerce platform. Includes.

[0062] FIG. 2 shows an example of the user information 1122 according to the first embodiment. The Company will notify the operator and management of the e-commerce platform of the contents of the User Agreement created by the operator and management of the e-commerce platform. The "User ID" contains the user identification information to uniquely identify the user. "Name" contains the user's name. "Balance" refers to the amount of electronic money (or electronic value) held by the user in the account. In other words, the balance is the amount of electronic money that the user currently possesses. The "Credit Line" is the amount of the credit limit that can be used when a user selects "Pay Later" as the payment method for a product purchase. The maximum amount that can be used (i.e., credit limit) when selecting a fixed payment option is included. "Setting" refers to the monthly payment amount when revolving payment is selected as payment at a later date. The payment amount is included.

[0063] In this embodiment, the user specifies the price of the product as the payment method for later payment. There are two options: a lump sum payment option where you pay by the repayment date, and a set amount of the product price paid in monthly payments. "Fixed amount deferred payment (revolving payment)" where you pay by the due date, and "Payment for the product for a specified period or You can choose at least one of the following options: "Installment payment" in which the payment is divided into specified amounts.

[0064] In the example shown in Figure 2, the balance includes the charge amount, sales amount (sales proceeds), points 1, points These types are just examples and are not limited to these. The transaction amount is, for example, the amount that a user transfers from their own bank account, etc., to a payment service provider. The sales amount indicates the amount of money deposited into the account. For example, the sales amount indicates the amount of money a user has deposited into the account. This refers to the revenue earned by listing and selling products on the platform. For example, the points that users earn by converting their sales are used in e-commerce platforms. Points 2 refer to points that are used for payment. Points 2 are points that are given by other parties, such as payment service providers. These are points that can be used on e-commerce platforms. In this disclosure, the amount is not limited to the monetary value of legal tender, but also includes electronic balances such as points. Converting the value of crypto assets, securities, etc. into the monetary value of legal tender Anything that can be included may be included. Also, the amounts in this disclosure are It may be a combination (e.g., sum) of the above monetary values ​​and / or values. The amount of 1 is determined by the value of at least two of the legal currency, point, and cryptocurrency. They may be calculated in combination.

[0065] The charge amount can be calculated by the user through their bank account within the application provided by the payment service provider. Once you have entered your account information, associated your user ID with your bank account, and completed identity verification, You can charge any amount to your account balance. The charge amount can be transferred to your bank account. Alternatively, you can also charge it at convenience stores.

[0066] Point 1 is that before connecting to the bank, users transact on the e-commerce platform. In order to do this, sales are converted into paid points, and points 1 have an expiration date. The expiration date may be, for example, six months.

[0067] Point 2 is a free point that is distributed or given as a benefit by payment service providers, etc. Point 2 may have an expiration date. Point 2's expiration date is the same as Point 1's expiration date. The expiration date may be set to be shorter than the expiration date of the

[0068] 3 shows an example of the purchase history information 1123 according to the first embodiment. 3. The amount of the product purchased by the user on the e-commerce platform, the repayment date (payment The "user ID" is a field in which the server 110 uniquely identifies the user. The user identification information (user ID: Identifier) ​​is included to identify the product. The "Purchase Date" field contains the name of the product purchased by the user. The date or time of purchase is included. The "amount" includes the sales price of the product. In the case of deferred payment or installment payment, the amount already paid by the user is excluded from the "amount." The selling price may be the seller's offer price (initial listing price), negotiated price, or final This is the price including the sales price (the price at which the transaction is completed). The repayment period is included when the user purchases a product through a fixed-amount deferred payment and If you purchase an item in installments, the "repayment date" includes the next repayment date (the most recent repayment date). "Payment status" includes information indicating whether the user has paid for the product. In addition, in the purchase history information 1123, if the "payment information" is unpaid among the lump-sum deferred payment items, The "amount" of a given record may correspond to a confirmed debt of the user.

[0069] FIG. 4 shows an example of the transaction information 1124 according to the first embodiment. The user ID of the buyer (seller) is included. "Product name" includes the name of the product. "Amount" includes the selling price of the product. The selling price is the price offered by the seller ( Price, including the initial listing price, negotiated price, or final selling price (the price at which the transaction was completed) The "deposit amount" includes the amount deposited to the seller user. In this embodiment, the deposit amount may be the same as the sales price, or may be the sales price minus various fees. The price may be the price excluding the shipping fee, etc. The "sale date" is the date (or days) when the item was sold. The "status" includes the time (or date and time) when the transaction was completed. This includes information indicating the stage of the transaction. TASS has two options: "Awaiting Delivery," which indicates that the seller is preparing the item for shipping, and "Delivery," which indicates that the item is on its way. "In Delivery" indicates that the item is being shipped, and " "Waiting for buyer evaluation": buyer and seller users submit evaluation results for the transaction to the terminal 120. Enter the amount you have deposited and the payment will be made to the seller, indicating that the entire transaction process is complete. When a transaction is completed, the buyer's deposit amount is transferred to the seller's user account. It will be added to your balance.

[0070] In the electronic commerce platform according to this embodiment, the process of "waiting for buyer evaluation" If a certain period of time has passed since the transition to ", the " If the buyer forgets to enter the evaluation result, the transaction will be completed. This is to prevent the transaction from being completed due to the "Buyer ID". It contains the user ID of the user who purchased the product.

[0071] Returning to FIG. 1, the balance calculation module 1125 stored in the memory 112 uses the user information 1 Based on the user's balance managed by 122, and the confirmed and future debts, The debt of the User and at least a portion of the debt of the User that has arrived at the User by the repayment date The user's future balance is calculated based on the amount of the deposit.

[0072] Here, "future balance" refers to the amount of money that the user will be able to pay in the future (for example, on the repayment date of the debt). For example, if the future balance is 5,000 yen, the user can 00 yen (meaning you can purchase items up to 5,000 yen) means.

[0073] The transmitter / receiver 117 transmits the future balance calculated by the balance calculation module 1125 to the user's terminal. Send to 120B at the end.

[0074] According to the above process, the e-commerce platform can process the debts that users will pay later. For example, if the future balance is 5,000 yen, the user can be notified of the future balance. If the display screen of the terminal 120 shows that the total amount is 5,000 yen, the user can This allows users to know the fact that they can purchase products up to 10,000 yen. This will enable us to promote

[0075] In addition, the "determined debt" is managed in the purchase history information 1123 and is a lump sum payment by the user. the price of products purchased in installments and / or fixed-rate deferred payment For example, the balance calculation module 1125 may calculate the balance based on the purchase history. Refer to information 1123 and add up the "amount" in the record of the user whose future balance you want to calculate. The balance calculation module 1125 may calculate the amount as a confirmed debt. "Determined Obligations" further include interest on future payments and / or specified amounts for future payments. A handling fee may be added.

[0076] In addition, the "debts to be incurred in the future" are used in the electronic commerce platform managed by the information processing device 110. In the form, it may be the price of the product that the user is viewing. The debt is not the price of the item you are looking at, but the amount of money you own. The price may be the price after applying a discount coupon. " is the price of the product you are viewing plus interest on future payments and / or Alternatively, the amount may be set to include a predetermined fee for the transaction.

[0077] According to the above process, when a user browses a product, the user can select the product to be purchased. For example, if you view a product that costs 1,000 yen, If the screen of the terminal 120 shows that the future balance is 5,000 yen, Even if you purchase the product now, you can still purchase up to 5,000 yen worth of products. This allows you to know the fact that there is spare capacity. This will encourage product purchases.

[0078] In addition, the repayment date of at least a portion of the user's debt is the earliest repayment date. The balance calculation module 1125 calculates the future balance by calculating the balance held and the user's The amount of the debt to be paid on the nearest repayment date and the amount to be received by the nearest repayment date The method may include calculating a future balance based on at least one of:

[0079] Here, with regard to "at least a part of the debt of the user", the user may pay a fixed amount in arrears or For items purchased on installment plans, the amount of debt to be paid at least by the next payment date (i.e. (including the amount to be paid by the nearest repayment date set by the "Fixed Amount Payment Setting") For products purchased by the user on a lump sum deferred payment basis, payment must be made by the specified repayment date. It may also be possible to include the amount of the debt (i.e. the full amount).

[0080] According to the above process, when a user browses a product, the user can select the product that he or she has purchased and has recently purchased. It is possible to grasp the future balance if the amount due on the repayment date is repaid. For example, When a product of 1,000 yen is being viewed, if the future balance is 5,000 yen, the terminal 120 When this screen is displayed, the user can purchase the product now and pay the debt on the next payment date. Even if you have a lot of money, you still have the money to purchase items worth up to 5,000 yen. This can encourage users who are browsing products to purchase them. It becomes Noh.

[0081] In addition, the repayment date of at least a portion of the user's debt is the earliest repayment date. The balance calculation module 1125 calculates the future balance by calculating the balance held and the user's The future balance is calculated based on the total amount of the debt and the amount to be received by the latest repayment date. That is, the balance calculation module 1125 may include calculating the "user's debt." "Obligation for at least part of the service" includes payment for goods purchased by the user on a fixed-rate deferred payment or installment payment basis. The total amount may be included.

[0082] According to the above process, when a user browses a product, the user can purchase the product and pay the refund. For example, if you pay off all the debts due, you can see the future balance. When a user is viewing a product priced at 3,000 yen, the screen of the terminal 120 will display that the future balance is 3,000 yen. If this is indicated, the user may purchase the product now and pay all the debts, but You can see that you have the money to purchase items up to 3,000 yen. This makes it possible to encourage users who are viewing products to purchase the products.

[0083] The balance calculation module 1125 also calculates the amount of money to be deposited to the user based on the amount of the electronic commerce platform. The amount of the goods sold by the user to other users on the platform will be used to determine the amount of the goods sold by the user to other users. For example, the balance calculation module 1125 may calculate the balance stored in the transaction information 1124. The "deposit amount" may be the amount that is deposited to the user. The amount paid by the user minus various fees and shipping charges will be the amount deposited to the user. The future balance may be calculated by treating the balance as a future balance. 5 is the amount to be deposited to the user, and is the periodic payment (e.g., salary) to be made to this user. At least a portion of this periodic payment may include a periodic fee. This includes payments made as electronic money from designated financial institutions. Also, balance calculation module 1125 is the amount of money that will be deposited to the user, including the points and The value of crypto assets acquired by users will also be treated as the amount deposited to users, The remaining balance may be calculated.

[0084] According to the above process, when a user browses a product, the user can purchase a product in exchange for the product sold to another user. You can see the future balance with the money added.

[0085] In addition, the server 10 may check whether the price of a product is higher than the price of the product currently being traded with the purchaser. For products that have not yet been deposited in the user's account, the transaction process for the product must be completed as specified (for example, The product price must be paid within a certain period of time after the product transitions to the "Waiting for buyer evaluation" status (e.g., "Waiting for buyer evaluation" status). The future balance may be calculated assuming that the seller user will receive the money. In this case, the balance The calculation module 1125 calculates the amount of goods sold by a user to other users in the course of a transaction. The timing when a predetermined period of time has elapsed since the user transitioned to a predetermined process is the timing when at least the user's debt is reduced. At least part of the amount of the product that is before the repayment date of some debt (e.g., the latest repayment date) , as the amount to be received by the user by the repayment date of at least a portion of the user's debt, A future balance may also be calculated.

[0086] "At least a portion of the price of the product" means the full amount paid by other users for the product. Or, you can subtract various fees and shipping costs from the amount paid by other users as the product price. The "predetermined process in the transaction process" may be the amount of money. The "predetermined period" may be a period of "waiting for buyer evaluation" as shown in the figure. If the buyer does not enter the product evaluation result, the product will be moved from the "Waiting for buyer evaluation" stage to the " It may be a period (for example, two weeks) during which the transaction is forced to transition to the "transaction completed" status. In addition, the "prescribed period" is the period during which users of the e-commerce platform can The average time from the transition to the "waiting for price" process to the input of the product evaluation results is That is, the balance calculation module 1125 may calculate the amount of the sales price of the product that has not yet been paid to the user. Regarding payments that have not yet been received, payments that will be received before the repayment date will be calculated based on the future balance. It may be included in the calculation.

[0087] According to the above process, the future balance includes the payment of the debt from the price of the product sold to other users. Since the amount received before the due date is added, users can get a more accurate understanding of their future balance. You can grasp it.

[0088] The balance calculation module 1125 also calculates the balance of the user's debt among the items that the user is selling. A small amount of the product amount that is estimated to be receivable by the user by the repayment date of at least some of the debt At least a portion of the balance may be added to the future balance. Products that are expected to be received by the user by the repayment date are the same products or products that the user has previously listed. The listing is for a similar product, or the same or similar product that has been traded in the past, from the time it was listed until it was sold. The average time spent on your listing and the number of actions taken by other users on your listing (likes, For example, the balance calculation module may be used to estimate the Rule 1125 can be sold based on the average time, number of actions, amount, etc. of similar products. The probability of sale is calculated using a numerical value, and the products whose probability of sale is above the threshold are eligible for payment by the repayment date. It can be assumed that this is a product.

[0089] By performing the above process, users can obtain a more accurate understanding of future balances when they have items up for sale. It is possible.

[0090] Furthermore, the balance calculation module 1125 calculates the future balance, and the balance held by the user , the user's debt and the amount to be received by the repayment date of at least a portion of the user's debt. and the amount that may be received by the repayment date, a range of future balances (e.g. For example, the calculation of the future balance (for example, the lower limit and upper limit of the future balance) may be included. The balance calculation module 1125 calculates the future balance and sends it to the customer. The range of the future balance (for example, the lower limit and upper limit of the future balance) is transmitted to the terminal 120. It may also contain.

[0091] The amount that may be received by the repayment date depends on, for example, the number of items that the user is currently selling. It may be at least a part of the amount of the product that is estimated to be receivable by the user by the repayment date. In addition, the lower limit of the future balance is the amount of the product that is estimated to be received by the user by the repayment date. The upper limit of the future balance is calculated without including the amount of " The future balance may be calculated by including the amount of the product estimated to be recoverable. The lower limit of the future balance is set when the product that was estimated to be available for payment to the user is not sold or is not paid. The upper limit of the future balance is the amount of the loan that will be repaid if the loan is not repaid by the repayment date. It may also be the future balance in the event that the estimated amount of money that can be received by the user is received in time. stomach.

[0092] According to the above process, the user can grasp the future balance taking into account the selling price of the item being exhibited. It is possible.

[0093] Furthermore, when calculating the future balance, the balance calculation module 1125 further uses the information set by the user. The future balance may be calculated based on the amount of the credit limit. The calculation module 1125 calculates the balance of the user, the confirmed debts, and the debts to be incurred in the future. and the User's obligations under the Calculate the user's future balance based on the amount deposited to the user and the amount of the user's credit limit. It may be possible to do so.

[0094] According to the above process, the user's credit limit will be included in the future balance, so the user can This allows you to get a more accurate idea of ​​the price of the items you can purchase.

[0095] Furthermore, when the transmitting / receiving unit 127 transmits the future balance of the user, the future balance of the user and the corresponding This may include transmitting information about the product being viewed by the user to the terminal 120. Information about the product being viewed by the user may include, for example, the product price, product image, It may also include a description of the product.

[0096] According to the above process, the user can simultaneously recognize the product he / she is viewing and his / her future balance. This makes it possible to increase the user's desire to purchase.

[0097] The proposal processing module 1126 stored in the memory 112 is a balance calculation module 112 The user's future balance calculated in 5 is less than a predetermined amount (e.g., less than zero (negative)). In this case, the e-commerce platform may propose to sell the User's products to the User. The predetermined amount may be set by the user. The module 1126 stores information about products that the user has previously purchased and that are recorded in the information processing device 110. The user may be offered to sell the product or the product he owns. The management module 1126 manages other information processing devices (other electronic devices) that cooperate with the information processing device 110. Propose to the user the sale of products that the user previously purchased on the subsidiary commerce platform The case where the user's future balance becomes zero or less is, for example, when the user If the price of the product you are viewing is too high, your balance + the expected amount to be deposited - the confirmed amount If the amount of the item you are viewing is greater than the amount of your outstanding debt, or if the total amount of your outstanding balance + credit limit + outstanding balance is less than the total amount of your outstanding debt, Estimated Debt Amount - This occurs when the value of the item being viewed is higher than the confirmed debt amount.

[0098] Also, the proposal processing module 1126 may provide the user with a future balance if the user's future balance is less than or equal to zero. Previous sales on e-commerce platforms of multiple products purchased by The The system proposes products to users whose average value is greater than the absolute value of the user's future balance. That's fine.

[0099] According to the above process, even if the balance will be zero or less in the future, the user can sell the product. By canceling the transaction, users will be able to recognize that their balance will be positive in the future, which will increase their purchasing intention. It is possible to increase desire.

[0100] In addition, the proposal processing module 1126 may provide a monetary The proposal processing module 1126 may also be configured to propose a loan to the user. may propose a loan amount greater than the absolute value of the user's future balance.

[0101] According to the above process, the user can borrow money to purchase the product they are viewing. This allows the user to recognize that the product is suitable for the user, thereby increasing the user's desire to purchase the product.

[0102] The one or more processors 111 may access the modules from the memory 112 as needed. For example, one or more processors 111 may read and execute a balance calculation module. By executing the balance calculation module 1125 and the proposal processing module 1126, ) and a proposal processing unit, respectively.

[0103] (2) Configuration of terminal 120 The terminal 120 includes a processor 121, a memory 122, a storage 123, and an input / output I / F 124, an input device 125, an output device 126, a transmitting / receiving unit 127, and a reading unit 128 It has the following.

[0104] The processes, functions, or methods executed by the processor 121 may, to the extent feasible, This may be achieved by machine learning or AI (Artificial Intelligence), etc. The input device 125 accepts various operations from the user of the terminal 120 .

[0105] 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 10 and establish a communication session using HTTPS etc. The communication address of the server 110 and the like are stored in association with the session ID. Then, data is transmitted to the server 110 using the connected communication session.

[0106] The processor 121 executes a process for using a predetermined service provided by the server 110. conduct.

[0107] In the first embodiment, the memory 122 stores a program 1221, a transaction processing module 1222, and 222, a display control module 1223, and a data structure, or a subset thereof. do.

[0108] As described above, the program 1221 is a program loaded from the storage 123. The program includes instructions and the like related to the first embodiment.

[0109] The transaction processing module 1222 processes the purchase and sale of goods on the e-commerce platform. For example, the transaction processing module 1222 executes the process of On the form, you can perform processes such as listing and purchasing products.

[0110] The display control module 1223 displays screen data related to the e-commerce platform. For example, the display control module 1223 controls the display of the product on the output device 126. Control to display the screen for listing products or the screen for purchasing products. Or control it.

[0111] The one or more processors 121 may access each module from the memory 122 as needed. For example, one or more processors 121 may read and execute a transaction processing module. The transaction processing unit, the transaction processing module, and the display control module 1223 are executed by executing the transaction processing module, the transaction processing module, and the display control module 1224. A display control unit may be configured.

[0112] <Operation Processing of First Embodiment> The processing of the information processing system 1 according to the embodiment will be described with reference to FIG. An example of a processing sequence of the information processing system 1 according to the embodiment is shown below. The server 110 provides an electronic commerce platform or The terminal 120 may also be called an information processing terminal. The server 110 stores the user's confirmed debt and the amount of the product designated by the user (to be issued in the future). the latest repayment date of the user's confirmed debts (the lesser of the user's debts) The amount of the repayment will be calculated based on the amount of the repayment to the user by the repayment date of the debt (or the repayment date of the debt in part) and the user's credit limit. The balance forecast will be made based on the above.

[0113] (Step S102) The display control module 1223 of the terminal 120A receives a command from the user and sends it to the server 110. The product view screen for the specified product is requested.

[0114] (Step S104) The balance calculation module 1125 of the server 110 obtains the amount (listing price) of the specified product. The user's balance and credit limit are obtained from the user information 1122. The amount to be received by the user by the nearest repayment date is obtained from the transaction information 1124, and the user The confirmed debt is acquired from the purchase history information 1123. 25 is the user's confirmed debt, the amount of the product specified by the user, and the most recent repayment The user's future balance is calculated based on the amount of money that will be received by the user by the due date and the user's credit limit. Calculate.

[0115] Here, a specific example will be described with reference to Fig. 6. Fig. 6 shows the calculation of future balance according to the first embodiment. 6 is a diagram for explaining a specific example of the process of In the form, for products purchased with a lump sum payment option, the product price must be paid by the end of the month following the month of purchase. For products purchased on a fixed-price deferred payment basis, the user information 1122 The amount set in the "Fixed Payment Settings" (i.e., the monthly payment amount) will be charged monthly from the month following the purchase month. Payment is due by the end of the month. For products purchased on installment plans, The amount will be paid by the end of each month from the month following the purchase. For purchases made on a fixed-rate deferred payment or installment payment basis, the full amount will be used to calculate the future balance. This shall be the case.

[0116] A user purchases a magazine for 500 yen on August 1st with a lump sum payment, and then purchases a magazine for 1,000 yen on August 20th. The payment deadline for the magazine and wallet is September 30th. In addition, by selling the bag to another user on August 13th, the The user will receive 2,000 yen by the 30th of the month. The user's credit limit is 5,000 yen and the credit limit is 6,000 yen. The user viewed the shirt on August 23rd, and the balance calculation module 1125 calculated the user's future balance on August 23rd. The balance will be calculated accordingly.

[0117] In this case, the balance calculation module 1125 calculates that the user's future balance is 9,500 yen (remaining balance High 5,000 yen + credit limit 6,000 yen - 500 yen (magazine) - 1,000 yen (wallet) + 2, The calculation is: 1,000 yen (bag sale) - 2,000 yen (shirt viewing).

[0118] For fixed-amount deferred payments and installment payments, only the amount due on the next payment due date will be paid. It may be used to calculate future balances. For example, the user's fixed payment setting is 1.00 In this case, the balance calculation module 1125 calculates the balance by In the formula, if you purchase the shirt you are viewing, you will be required to pay by the next payment due date (9 / 30). The amount may be set to 1,000 yen and the future balance may be calculated. The user's future balance may be calculated to be 10,500 yen.

[0119] (Step S106) Returning to FIG. 5, the proposal processing module 1126 of the server 110 calculates If the future balance of the user is zero or less, the user may sell and and / or generate proposal information for proposing a loan of money to the user. The processing module 1126 determines whether the user's future balance calculated in step S104 exceeds zero. If so, the proposed information is not generated.

[0120] (Step S108) The transmitting / receiving unit 117 (transmitting unit) of the server 110 receives the future balance calculated in step S104. The product browsing screen data of the product including the proposal information generated in step S106 is transmitted to the terminal 1. Send to 20.

[0121] <Screen display example> 7 is a diagram showing an example of a screen display according to the first embodiment. The timing of the purchase and sale of the product is also considered to be the transaction process of the bag sold. Regarding this, the status was changed to "Waiting for buyer evaluation" on August 23rd. If the buyer has not left a rating while the status is "Waiting for buyer rating", the status will change to "Waiting for buyer rating". " status has been changed to " status, and two weeks have passed since then (9 / 6, two weeks after 8 / 23). The status will be forced to "Transaction Completed" and the sales amount will be deposited to the user. .

[0122] As shown in Figure 7, the product viewing screen displays product images, product prices, and the status of purchasing the product. The future balance (expected balance at the end of next month) is also displayed. If you purchase the product shown on the page with payment at a later date, the estimated delivery date of the product, An area for displaying the payment deadline (settlement date) for the price of the product in chronological order may also be included. In addition, the area contains the expected date of receipt of funds before the payment deadline (here, the sale price of the bag). The payment will be made by September 6th at the latest.

[0123] Please note that the future balance displayed on the screen includes the amount that will be received in the future. It does not necessarily indicate the amount that the user can currently purchase. The module 1125 may calculate the amount of money currently available to the user. The transmitting / receiving unit 117 also transmits product viewing screen data including the amount currently available to the user. , may be transmitted to the terminal 120. The amount currently available to the user may be, for example, , may be the sum of the user's balance and the user's credit limit. 120 shows the current available amount (current available amount: 5,500 yen) That's fine.

[0124] <Supplementary notes regarding the first embodiment> The product viewing screen may have an "increase money" button. Once submitted, the proposal processing module 1126 generates a proposal to propose a loan to the user. The generated proposal information may be transmitted to the terminal by the transmitting / receiving unit 117. The proposal information may be transmitted to the terminal 120 and displayed on the product viewing screen.

[0125] The user's future balance will be automatically transferred to the electronic money of the e-commerce platform on a regular basis. For example, the balance calculation module 1125 may further Calculate the future balance by adding the amount that will be automatically charged up until the next repayment date. It may be possible to do so.

[0126] Additionally, a user's future balance may reflect fixed expenditures. The withdrawal module 1125 also subtracts the amount to be withdrawn by the nearest repayment date. The user may calculate the future balance by inputting the fixed expenditure into the server 110. It may be possible to register arbitrarily for the account, or a balance calculation module based on the account deposit and withdrawal history, etc. The 1125 may be configured to automatically recognize the same.

[0127] In addition, the user's future balance will be calculated using third-party services linked to the e-commerce platform. The remaining capacity of the third-party service may be added to the remaining capacity of the third-party service. It may be a bank account balance, a credit card limit, or the like.

[0128] In the first embodiment described above, a user simultaneously browses a plurality of products, and the plurality of products are This may also be applied when purchasing at the same time.

[0129] Second Embodiment In the second embodiment, a user's future balance is calculated, and products that can be purchased with the calculated future balance are displayed. In the first embodiment, the user is recommended to the e-commerce platform. When users browse products on the website, they can compare the price of the product they are browsing with the price of any future debts they may incur. However, in the second embodiment, when the user browses a specific product, the future balance is calculated as Therefore, future balances are calculated without taking into account future liabilities. .

[0130] <Effects of the second embodiment> According to the second embodiment, in an e-commerce platform, a user can pay a debt later. This has the effect of being able to notify the user of their future balance, taking into account their financial obligations, etc. In addition, according to the second embodiment, the user can use the electronic commerce platform while taking into consideration the future balance. This allows users to select products in a form that encourages them to purchase products. The effect is that it becomes possible.

[0131] <Configuration of the second embodiment> System configuration, hardware configuration of information processing device, and server according to the second embodiment The functional configuration of the server and the terminal is the same as that of the first embodiment. The balance calculation module 1125 of 110 calculates the future balance without taking into account the debts that will be incurred in the future. That is, the balance calculation module 1125 calculates the balance held by the user and the confirmed balance. the User's obligations under the outstanding obligations and the repayment dates of at least a portion of the User's obligations; Calculate the future balance of the user's account based on the amount of money that will be received by the user by the date of purchase. do.

[0132] The proposal processing module 1126 also processes the products listed on the e-commerce platform. Among the products, products that can be purchased with the user's future balance are proposed to the user.

[0133] The proposal processing module 1126 also processes the products listed on the e-commerce platform. Among the products, products that can be purchased with the user's future balance and are based on the user's behavioral history Based on this, products that are assumed to be of interest to the user are proposed to the user. For example, the proposal processing module 1126 may be configured to: The balance calculation module 1125 calculates the future balance from the timing Products viewed within a specified period, and products for which the "Like" button has been pressed within that specified period In addition, the product for which a comment has been made to the seller within the specified period may be suggested to the user. Furthermore, the suggestion processing module 1126 may also detect whether a product has been displayed on the product screen for a predetermined period of time or more. The selected product may be suggested to the user.

[0134] Through the above process, the proposal processing module 1126 provides the user with a future balance and a purchase This allows users to see recommended products and to be aware of future purchases. This will allow users to understand the products they are looking for, which will help encourage future purchasing behavior. become.

[0135] <Operation Processing of Second Embodiment> An example of a processing sequence of the information processing system according to the second embodiment will be described with reference to FIG. Reveal.

[0136] (Step S102) The display control module 1223 of the terminal 120A sends a product recommendation screen to the server 110. request.

[0137] (Step S104) The balance calculation module 1125 of the server 110 calculates the user's balance and credit limit. The amount to be received by the user by the latest repayment date is obtained from the transaction information 1122. 4, and the user's confirmed debt is obtained from the purchase history information 1123. The balance calculation module 1125 calculates the balance of the acquired user's confirmed debt and the user's specified Based on the product price, the amount to be paid to the user by the latest repayment date, and the user's credit limit The user's future balance is calculated based on the above.

[0138] Here, a specific example will be described with reference to Fig. 8. Fig. 8 shows a calculation method for future balances according to the second embodiment. 6. It should be noted that the points not specifically mentioned are the same as those in FIG. A user purchases a magazine for 500 yen on August 1st with a lump sum payment, and then purchases a magazine for 1,000 yen on August 20th. The purchase of a 100 yen wallet is made in a lump sum. The payment deadline for the magazine and wallet is September 30th. In addition, by selling the bag to another user on August 13th, It is assumed that 2,000 yen will be deposited by September 30th. In addition, the user's possession The balance is 5,000 yen and the credit limit is 6,000 yen. The user viewed the product recommendation screen on August 23rd, and the balance calculation module 1125 The user's future balance will be calculated.

[0139] In this case, the balance calculation module 1125 calculates that the user's future balance is 11,500 yen ( Balance 5,000 yen + Credit limit 6,000 yen - 500 yen (magazine) - 1,000 yen (wallet) + 2 ,000 yen (sale of bag).

[0140] (Step S106) Returning to FIG. 5, the proposal processing module 1126 of the server 110 From the products exhibited in the game, the user's future balance calculated in step S104 is Extracts products that can be purchased within a certain range and generates recommendation information to suggest the extracted products to the user. do.

[0141] (Step S108) The transmitting / receiving unit 117 of the server 110 receives the future balance and the step The product recommendation screen data for the product including the recommendation information generated in step S106 is transmitted to the terminal 120. do.

[0142] <Screen display example> FIG. 9 is a diagram showing an example of a screen display according to the second embodiment. As shown in FIG. 9, The screen displays the user's future balance and information about each product that can be purchased within the user's future balance. The information about each product includes, for example, a product image and a product price. That's fine.

[0143] As in the first embodiment, the balance calculation module 1125 calculates the balance of the current balance available to the user. The transmitting / receiving unit 117 may also calculate the amount of money that the user can currently use. Product recommendation screen data including the possible prices may be transmitted to the terminal 120. The amount currently available to the user is, for example, the sum of the user's balance and the user's credit limit. It's okay to have one.

[0144] <Notes> The disclosed technology is not limited to the above-described embodiments, and may be modified without departing from the gist of the disclosed technology. For example, the above-described processing steps may be implemented in various other ways within the scope of the present invention. The order of the tasks can be arbitrarily changed or executed in parallel as long as there is no contradiction in the processing content. It is also possible to combine the first and second embodiments. That is, the server 110 and the terminal 120 perform the processes explained in the first embodiment and the processes explained in the second embodiment. It is also possible to perform both of the above processes. [Explanation of symbols]

[0145] 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...transmitting / receiving unit, 11 25...balance calculation module, 1226...proposal processing module, 1222...transaction processing module 1223...Display control module

Claims

1. Information on providing or linking with e-commerce platforms The information processing device The User's balance and the User's current and / or future debts are used to calculate the User's current and / or future debts. and the payment of at least a portion of the debt of the user to the user by the due date of the debt. calculating a future balance of the user based on the amount of the payment; transmitting the calculated future balance to the information processing terminal of the user; Processing method.

2. The future debts are paid by the user through the e-commerce platform. The price of the product being viewed or the price of the product recommended for purchase by the user. The information processing method according to claim 1 .

3. The repayment date of at least a portion of the debt of the user is the earliest repayment date. can be, Calculating the future balance is based on the balance held and the most recent debt of the user. Based on the amount to be paid on the repayment date and the amount to be received by the user by the nearest repayment date, 3. The information processing method according to claim 1, further comprising calculating a future balance.

4. The amount to be deposited to the user is then transferred to the e-commerce platform. Any one of claims 1 to 3, wherein the value is determined based on the amount of goods sold to other users. The information processing method described in

5. The calculation of the future balance includes calculating the future balance of the products sold by the user to other users. The timing when a predetermined period has elapsed since transitioning to a predetermined stage in the process is before the repayment date At least a portion of the amount of the product is used to repay at least a portion of the debt of the user. Any one of claims 1 to 4, including calculating the amount to be deposited in the user by a certain date.

10. The information processing method according to claim 19.

6. Calculating the future balance includes calculating the user's balance, the user's debt, and the The amount to be received by the repayment date of at least a portion of the user's debt, and and calculating a range of future balances based on the amount that may be received by the The transmitting of the calculated future balance may include transmitting the range of the calculated future balance to the The information processing method according to any one of claims 1 to 5, further comprising transmitting the information to an information processing terminal. 。

7. The calculation of the future balance further includes calculating the future balance based on the amount of a credit limit set for the user.

7. The information processing method according to claim 1, further comprising: calculating a future balance based on the method.

8. Transmitting the future balance includes transmitting the future balance and the user's current view of the product.

8. The information processing method according to claim 1, further comprising transmitting the information.

9. The information processing device, among the products on the electronic commerce platform, and proposing to the user products that can be purchased with the remaining balance.

10. The information processing method according to claim 9 .

10. When the future balance is equal to or less than a predetermined amount, the information processing device and offering the user a sale of the user's product on the platform. The information processing method according to any one of claims 1 to 9,

11. Proposing to sell the product to the user is a method of selling a product that the user has previously purchased. The information processing method according to claim 10 , further comprising: suggesting a replacement to the user.

12. When the future balance is equal to or less than a predetermined amount, the information processing device 12. The information processing device according to claim 1, further comprising: method.

13. Information on providing or linking with e-commerce platforms In the information processing device, The User's balance and the User's current and / or future debts are used to calculate the User's current and / or future debts. and the payment of at least a portion of the debt of the user to the user by the due date of the debt. calculating a future balance of the user based on the amount of the payment; transmitting the calculated future balance to the information processing terminal of the user; A program for this purpose.

14. Information on providing or linking with e-commerce platforms An information processing device, The User's balance and the User's current and / or future debts are used to calculate the User's current and / or future debts. and the payment of at least a portion of the debt of the user to the user by the due date of the debt. a calculation unit that calculates the user's future balance based on the amount of the payment; a transmitting unit that transmits the calculated future balance to the user's terminal. 。

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