PROGRAM, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING APPARATUS

Abstract

To promote use of even unused settlement means by making users select the means.SOLUTION: An information processing method causes an information processing device to perform processing for: acquiring settlement information of a product whose purchase is requested by a user; identifying first settlement means included in the settlement information; acquiring examination results of availability of the first settlement means when the user does not use the first settlement means; and settling the product using the first settlement means or second settlement means usable by the user on the basis of the examination results.SELECTED DRAWING: Figure 6

Description

[Technical field]

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

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

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

[0004] In a conventional electronic commerce platform, a user who purchases a product uses any of the currently available payment methods to purchase the product. With regard to the payment methods, unused payment methods, such as a payment method that has not been charged or a payment method that has not undergone screening, will not be selected by the user when purchasing a product.

[0005] Therefore, the present disclosure aims to provide an information processing method, a program, and an information processing device that can promote the use of unused payment methods by allowing users to select even unused payment methods. [Means for solving the problem]

[0006] An information processing method according to one embodiment of the present disclosure includes an information processing device that acquires payment information for a product requested to be purchased by a user, identifies a first payment means included in the payment information, and, if the user has not used the first payment means, acquires an examination result as to whether the first payment means can be used, and, based on the examination result, performs payment processing for the product using the first payment means or a second payment means available to the user. [Brief description 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. [Diagram 2] FIG. 4 is a diagram illustrating an example of user information according to the embodiment. [Diagram 3] FIG. 4 is a diagram illustrating an example of account information according to the embodiment. [Figure 4] FIG. 11 is a diagram illustrating an example of payment information according to the embodiment. [Diagram 5] FIG. 4 is a diagram showing an example of transaction information according to an embodiment. [Figure 6] FIG. 2 is a diagram illustrating an example of a processing sequence of an information processing system according to an embodiment. [Figure 7] 11A to 11C are diagrams illustrating an example of transition of a screen of a terminal according to an embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0008] <Legal compliance>

[0009] The disclosure described herein is implemented in compliance with the laws and regulations of the countries in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, modifications, or alterations that a person skilled in the art can make that are necessary to comply with the laws and regulations of the countries.

[0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment for implementing an information processing method, a program, and an information processing device according to the present disclosure will be described with reference to the drawings. <System configuration>

[0011] 1 discloses a configuration of an information processing system 1 according to an embodiment of the present disclosure. In the information processing system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, a terminal 120C, and a server 150 that holds credit information of each user are connected via a network 130.

[0012] 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.

[0013] 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.

[0014] The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, a social networking service (SNS) represented by an instant messaging service, and a content providing service such as music, video, and books. The server 150 is managed by, for example, a designated credit information agency, a Credit Information Center (CIC), holds credit information of users, and responds to a requester with credit information of a user who has received a request. The servers 110 and 150 may provide one or more of the respective services individually, or may provide one or more of the respective services in a plurality of units. The servers 110 and 150 provide the respective services to one or more terminals 120, so that the user can use the respective services via the terminal 120.

[0015] If necessary, the terminal used by user X is expressed as terminal 120X, and information associated with the user in a predetermined service associated with user X or terminal 120X is expressed as user information X. User information can include, by way of example and without limitation, information associated with the user, such as the user's name, user's icon image, user's age, user's sex, user's address, user's hobbies and interests, and user's identifier, which is input by the user or given by a predetermined service, balance information of electronic value (electronic money) associated with the user, credit card information (such as a credit card number) associated with the user, and the like.

[0016] The network 130 connects two or more servers 110, 150, or two or more terminals 120. The network 130 provides a connection path so that the terminal 120 can transmit and receive data after connecting to the servers 110, 150.

[0017] 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.

[0018] Servers 110, 150 and terminal 120 may be any information processing device capable of implementing the processes, functions or methods described in this disclosure.

[0019] Servers 110, 150 and terminal 120 may be, for example and without limitation, a smartphone, a mobile phone (feature phone), a computer (for example and without limitation, a desktop, laptop, tablet, etc.), a server device, a media computing platform (for example and without limitation, a cable or satellite set-top box, digital video recorder, etc.), a handheld computing device (for example and without limitation, a PDA (Personal Digital Assistant), email client, etc.), a wearable terminal (for example and without limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or communication platforms, or any combination of these may be used.

[0020] <Hardware configuration of each information processing device> (1) Server hardware configuration The hardware configuration of a server 110 included in the information processing system 1 will be described with reference to FIG.

[0021] The server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transmission / reception unit 117. The hardware components of the server 110 are connected to each other via a bus B, for example and not for limitation.

[0022] The server 110 realizes the processes, functions, or methods described in this disclosure through cooperation between the processor 111, memory 112, storage 113, input / output I / F 114, and transmission / reception unit 117.

[0023] The processor 111 executes a process, function, or method realized by a code or instruction included in a program stored in the storage 113. The processor 111 includes, but is not limited to, one or more central processing units (CPUs), MPUs (Micro Processing Units), GPUs (Graphics Processing Units), microprocessors, processor cores, multiprocessors, ASICs (Application-Specific Integrated Circuits), FPGAs (Field Programmable Gate Arrays), etc., and may realize the processes, functions, or methods disclosed in each embodiment by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc. Furthermore, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Furthermore, an LSI may be called a VLSI, a super LSI, an ultra LSI, etc., depending on the degree of integration.

[0024] The memory 112 temporarily stores the program 1121 loaded from the storage 113, and provides a working area for the processor 111. The memory 112 also temporarily stores various data generated while the processor 111 is executing the program. The memory 112 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), etc., or a combination of these. The storage 113 stores the program and various data. The storage 113 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, etc., or a combination of these.

[0025] The input / output I / F 114 is connected to an input device 115 for inputting various operations to the server 110 , and an output device 116 for outputting the results of processing by the server 110 .

[0026] The input device 115 is realized by any one of all types of devices or a combination thereof that can receive input from a user and transmit information related to the input to the processor 111 via the input / output I / F 114. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input via voice), or a combination of these.

[0027] The output device 116 is realized by any one of all types of devices capable of outputting the processing result processed by the processor 111 via the input / output I / F 114, or a combination thereof. When the processing result is output as a video or a moving image, the output device 116 is realized by any one of all types of devices capable of displaying the display data written in the frame buffer, or a combination thereof. The output device 116 may be, for example and without limitation, a touch panel, a touch display, a monitor (for example and without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HMD: Head Mounted Display), a projection mapping, a hologram, a device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, etc., or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

[0028] The input device 115 and the output device 116 may be integrated together, or the input device 115 and the output device 116 may be separate devices.

[0029] The transmitting / receiving unit 117 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the mutual communication can be performed. The transmitting / receiving unit 117 has a function of performing communication with other information processing devices via the network 130. The transmitting / receiving unit 117 transmits various data to other information processing devices according to instructions from the processor 111. The transmitting / receiving unit 117 also receives various data transmitted from other information processing devices and transmits 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.

[0030] (2) Hardware configuration of terminal 120 The hardware configuration of the terminal 120 included in the information processing system 1 will be described with reference to FIG.

[0031] The terminal 120 includes a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmitting / receiving unit 127, and a reading unit 128. The hardware components of the terminal 120 are connected to each other via a bus B, for example and not for limitation.

[0032] The terminal 120 realizes the processing, functions, or methods described in this disclosure through cooperation between the processor 121, memory 122, storage 123, input / output I / F 124, input device 125, output device 126, transmission / reception unit 127, and reading unit 128.

[0033] The processor 121 executes a process, function, or method realized by a code or instruction included in a program stored in the storage 123. The processor 121 includes, but is not limited to, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), and the like, and may realize the process, function, or method disclosed in each embodiment by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large scale integration (LSI)), etc.). These circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. The LSI may also be called a VLSI, a super LSI, an ultra LSI, etc., depending on the degree of integration.

[0034] 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.

[0035] 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.

[0036] The input / output I / F 124 is connected to an input device 125 for inputting various operations to the terminal 120 , and to an output device 126 for outputting the results of processing performed by the terminal 120 .

[0037] The input device 125 is realized by any one or a combination of all kinds of devices that can receive input from a user and transmit information related to the input to the processor 121. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), a microphone (operation input by voice), or a combination of these.

[0038] The output device 126 is realized by any one of all types of devices capable of outputting the processing results processed by the processor 121, or a combination thereof. When the processing results are output as video or video images, the output device is realized by any one of all types of devices capable of displaying the display data written in the frame buffer, or a combination thereof. The output device may be, but is not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HMD), a projection mapping, a hologram, a device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, etc., or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

[0039] 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.

[0040] The transmitting / receiving unit 127 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the mutual communication can be performed. The transmitting / receiving unit 127 has a function of performing communication with other information processing devices via the network 130. The transmitting / receiving unit 127 transmits various data to other information processing devices according to instructions from the processor 121. The transmitting / receiving unit 127 also receives various data transmitted from other information processing devices and transmits it to the processor 121.

[0041] (3)Other Cloud computing, which is configured with one or more information processing devices, may implement at least a part of the processes, functions, or methods in the servers 110 and 150 or the terminal 120.

[0042] The other information processing device may realize at least a part of the processes, functions, or methods of the server 110, 150, or the terminal 120. In this case, a processor of the other information processing device may realize at least a part of the processes realized by the processor 111 or the processor 121.

[0043] 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.

[0044] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc.), hard disk drives (HDDs), hybrid hard drives (HHDs), optical disks, optical disk drives (ODDs), magneto-optical disks, magneto-optical drives, floppy diskettes, floppy disk drives (FDDs), magnetic tapes, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or combinations thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

[0045] Furthermore, the program of the present disclosure may be provided to the servers 110, 150, or the terminal 120 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0046] 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.

[0047] In addition, the programs of the present disclosure may be implemented using, for example and without limitation, scripting languages ​​such as JavaScript (registered trademark) and Python, C language, Go language, Swift, Kotlin, Java (registered trademark), etc.

[0048] <Other> Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not required, and a specified process may be performed when the judgment condition is satisfied, or a specified process may be performed when the judgment condition is not satisfied.

[0049] The present disclosure encompasses all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make to the present disclosure. The appended claims also encompass all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make to the claims. Furthermore, the present disclosure encompasses any combination of one or more features of an embodiment or example in the present disclosure with one or more features of another embodiment or example in the present disclosure that a person skilled in the art may make.

[0050] In addition, references in the appended claims to an apparatus or system, or a component of an apparatus or system, that is adapted, arranged, capable, configured, enabled, operable, or capable of performing a particular process, function, or method encompass that apparatus, system, component, whether or not the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or capable of performing.

[0051] In the present disclosure, unless otherwise specified, consent may be obtained from a user in advance or immediately before the implementation of any embodiment or example. In addition, the consent obtained may be comprehensive or may be obtained on a case-by-case basis.

[0052] <Embodiment> In this embodiment, at the time of payment, the user can select an unused payment method that has not yet been used.

[0053] According to the embodiment, by making it possible to select an unused payment method at the time of payment, it is possible to promote the use of unused payment methods and also to increase the payment method options available to users.

[0054] <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 .

[0055] 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.

[0056] The input / output I / F 114 receives various setting operations and the like from businesses operating various services provided by the server 110 via an input device 115 or an output device 116 .

[0057] The transmitting / receiving unit 117 transmits and receives data to and from the terminal 120, etc., in accordance with instructions from the processor 111. When the user of the terminal 120, etc., is authenticated by a user ID and password included in a login request from the terminal 120, etc., the transmitting / receiving unit 117 connects a communication session using HTTPS or the like with the terminal 120, etc. Then, the transmitting / receiving unit 117 stores the communication address, user ID, etc. of the terminal 120, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 117 transmits data to the terminal 120, etc., using the connected communication session.

[0058] The memory 112 stores, in an embodiment, the following programs 1121, user information 1122, transaction information 1123, a transaction control module 1124, a payment processing module 1125 and data structures, or a subset thereof.

[0059] As described above, the program 1121 is a program loaded from the storage 113, and includes instructions related to the processing in the embodiment.

[0060] The user information 1122 includes information about the user registered in the electronic commerce platform and account information. The user information 1122 may also be shared with a payment service provider.

[0061] The transaction information 1123 includes transaction information on an e-commerce platform, and may also include payment information for products purchased in a store.

[0062] FIG. 2 shows an example of user information 1122 according to an embodiment. The user information manages information about each member user created by the person who operates and manages the e-commerce platform. "User ID" includes user identification information (user ID: Identifier) ​​that allows the server 110 to uniquely identify the user. "Email address" includes the email address registered by the user. "Name" includes the user's name. "Credit score" includes a score calculated according to a predetermined standard indicating the user's creditworthiness in transactions. "Transaction evaluation" includes an evaluation value assessed by the other party in a buying and selling transaction.

[0063] FIG. 3 shows an example of account information according to an embodiment. The account information manages information on each user's account created by, for example, a payment service provider. The payment service provider may be, for example, a party that operates and manages an electronic commerce platform. "User ID" includes user identification information (user ID: Identifier) ​​that allows the server 110 to uniquely identify the user. "Password" includes a password for user authentication. "Balance" includes the balance of electronic money (or electronic value) in the account held by the user.

[0064] In the example shown in FIG. 3, the balance includes the charge amount, sales amount (sales proceeds), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount deposited by a user from his / her own bank account into an account created by a payment service provider. The sales amount indicates, for example, the profits earned by a user by listing and selling products on an e-commerce platform. The points 1 indicate, for example, the points earned by a user by converting sales amount, and indicate points used on the e-commerce platform. The points 2 indicate, for example, the points granted by a third party such as a payment service provider, and indicate points used on the e-commerce platform.

[0065] The user can charge any amount to the account balance after entering their bank account information in the application provided by the payment service provider, associating their user ID with their bank account, and completing identity verification. Note that the charge amount can also be charged at convenience stores, etc., in addition to bank accounts. In the following, if identity verification based on the Act on Prevention of Transfer of Criminal Proceeds has been completed, it will be written as "after bank connection," and if identity verification has not been completed, it will be written as "before bank connection."

[0066] Point 1 is a paid point converted from sales revenue in order for a user to transact on the electronic commerce platform before the bank connection, and an expiration date may be set for Point 1. The expiration date may be, for example, six months. Point 1 can be withdrawn from sales revenue after the bank connection, so there is no need to convert it to Point 1 and hold it. Therefore, Point 1 held before the bank connection gradually decreases with use.

[0067] Point 2 is a free point that is distributed or given as a benefit by a payment service provider 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.

[0068] FIG. 4 shows an example of payment information according to the embodiment. The payment information is information generated by a payment terminal when a user purchases a product, for example, and transmitted to the server 110. The "payment ID" includes identification information (payment ID) for identifying the payment. The "date and time" includes the date and time when the electronic payment is completed. The electronic payment is, for example, a payment using a two-dimensional code or a credit card payment. The "store ID" includes store information (also called a store ID) of the store where the electronic payment is made. If the store has multiple POS terminals, the store ID may be the ID of the POS terminal. The "payment amount" includes the payment amount when the electronic payment is made. The "payment method" includes information on the payment method used for the payment. The payment method is, for example, one of deferred payment in which a lump sum is paid from the following month onwards, fixed amount deferred payment in which a fixed amount is settled from the following month onwards, convenience store payment, credit card payment, and balance payment.

[0069] FIG. 5 shows an example of transaction information according to an embodiment. The "seller ID" includes the user ID of the seller user. The "product name" and "description" include a description of the product. The "price" includes the selling price of the product. The "product name", "description", and "price" are included in the product listing information, and other information may be included in the listing information. The "listing time" includes the time when the product was listed. The "status" includes the status of the transaction in electronic commerce. The status includes "in transaction" indicating that a transaction is currently in progress, "in negotiation" indicating that negotiation is in progress with the buyer user, and "completed" indicating that the product has been sold. The "purchaser ID" includes the user ID of the user who purchased the product. The "payment method" includes the payment method used by the purchaser to purchase the product.

[0070] 1, the transaction control module 1124 stored in the memory 112 controls buying and selling transactions in the electronic commerce platform by being executed by the processor 1111. For example, the transaction control module 1124 controls user registration, listing processing, buying and selling transaction processing, evaluation processing, management processing of electronic value, etc. in the electronic commerce platform.

[0071] The payment processing module 1125 is executed by the processor 111 to execute payment processing when each user purchases a product on an e-commerce platform and when purchasing a product at a store. For example, payment processing at an e-commerce platform is managed by the transaction information shown in FIG. 5, and payment processing at a store is managed by the payment information shown in FIG. 4. Below, the payment processing when a product is purchased at a store or at an e-commerce platform is described. The payment information also includes information related to payment included in the transaction information. The payment processing module 1125 may be provided in another server (for example, server 110B).

[0072] The transmitting / receiving unit 117 receives a product purchase request transmitted from the terminal 120A used by a purchaser (e.g., user A). The received purchase request is stored in the memory 112 in association with transaction information. The transaction information includes product information of the product to be purchased and payment information related to payment.

[0073] In addition, the transmitting / receiving unit 117 receives payment information when a purchaser purchases a product at a store from the terminal 120A used by the purchaser or a POS terminal of the store. The received payment information is stored in association with the payment information stored in the memory 112.

[0074] The payment processing module 1125 executed by the processor 111 acquires payment information for a product requested to be purchased by the user from the transmission / reception unit 117 or the memory 112. For example, the payment processing module 1125 may constitute an acquisition unit that acquires payment information. Furthermore, the payment processing module 1125 may acquire product information of the product to be purchased and user information of the user in order to determine whether or not to allow the user to select an unused payment method.

[0075] The payment processing module 1125 identifies the first payment means included in the payment information. For example, the payment processing module 1125 may constitute an identification unit that identifies the first payment means. The payment processing module 1125 may also identify the first payment means selected by the user using payment identification information that identifies the payment means included in the payment information. The payment processing module 1125 may also identify the first payment means when the first payment means satisfies a predetermined condition. Here, the predetermined condition may be whether or not a benefit is given to the user by purchasing a product using the first payment means or by completing an examination of the first payment means.

[0076] If the user has not yet used the first payment means, the payment processing module 1125 acquires the examination result of whether the first payment means can be used. For example, the payment processing module 1125 may constitute an acquisition unit that acquires the examination result. As a specific example, the payment processing module 1125 may transmit user information to an institution that examines the user's credit information and acquire the user's credit information from the institution. The payment processing module 1125 examines whether the first payment means can be used based on the user's credit information and acquires the examination result. The unused first payment means is, for example, a payment means that has been installed but has not been charged, or a payment means that has not been examined for use (unexamined payment means) and has not yet been used for payment processing. In addition, the payment processing module 1125 may examine the user information of the user who selected the unused first payment means against predetermined examination items and acquire the examination result.

[0077] Based on the examination result, the payment processing module 1125 performs payment processing for the product using an unused first payment means or a second payment means available to the user (e.g., a payment means that has already been used). For example, the payment processing module 1125 may configure a payment processing that performs payment processing using a predetermined payment means. As a specific example, the payment processing module 1125 performs payment processing for the product using the first payment means or the second payment means, for example, subtracting electronic value equivalent to the product price from the purchaser's account and adding this electronic value to the seller's account. Note that, when the payment means to be processed for payment is deferred payment or fixed-amount deferred payment (e.g., revolving payment, installment payment), the payment processing module 1125 may subtract a predetermined amount of electronic value from the purchaser's account at a predetermined timing (e.g., a specified day of each month) and add a predetermined amount (a deferred payment fee may be subtracted) to the seller's account.

[0078] The above process allows the user to select an unused payment method at the time of payment, thereby promoting the use of unused payment methods and increasing the options of payment methods for the user. Also, the user can experience making a payment with an unused payment method before screening. When allowing the user to select an unused payment method, the use of this payment method may be suggested to the user. For example, the selection of the unused payment method may be highlighted.

[0079] Furthermore, the payment processing module 1125 includes associating a second payment means with the payment processing of the product when the identified first payment means is unused. For example, the payment processing module 1125 may constitute an association unit that associates a payment means with a payment processing. As a specific example, when the payment means selected by the user is identified as an unused first payment means, the payment processing module 1125 may provisionally associate a second payment means that the user has used with the payment processing before the first payment means is examined.

[0080] In this case, when performing payment processing, if the examination result for the first payment means is unusable (approved), the payment processing module 1125 performs payment using the second payment means associated in advance. For example, since the second payment means is already associated with the payment processing module 1125, even if the examination result for the use of the first payment means is unusable, the payment processing module 1125 can maintain the association of the second payment means and perform payment processing without associating it with another payment means.

[0081] With the above process, even if the first payment method is rejected, by matching it with the second payment method already used before the screening, the user does not have to reselect a payment method, and the system can carry out smooth payment processing.

[0082] In addition, if the first payment method is a fixed amount deferred payment including revolving payments, when the first payment method is not approved (failed), the condition for selecting the first payment method may be that the user must purchase using a payment method that can be used for payment processing. This prevents the user from purchasing products that exceed the user's ability to pay, which contributes to avoiding the accumulation of revolving payments.

[0083] Furthermore, in the case where a second payment means is associated with the payment process before screening, the payment processing module 1125 may include changing the associated second payment means to the first payment means if the screening result indicates that the payment means can be used. For example, the payment processing module 1125 may include a change unit that changes the payment means. As a specific example, when the screening result of the first payment means indicates that the payment means can be used, the payment processing module 1125 changes the second payment means associated with the payment process of the user's product to the first payment means that has passed screening.

[0084] Through the above processing, after obtaining the screening results, the system changes the first payment means to be associated with the payment processing if available to the user, so that the payment processing can be appropriately performed using the first payment means that the user has the ability to pay.

[0085] In addition, when the user selects an unused first payment means, if the examination result of the first payment means indicates that the first payment means cannot be used, the payment processing module 1125 may further execute obtaining approval to make a payment with a second payment means. For example, the payment processing module 1125 obtains approval in advance from the user to make a payment with another payment means in the case where the examination of the first payment means is not passed. Note that the other payment means may be designated in advance by the user, and the designated payment means may be limited to the payment means available to the user at the time of designation.

[0086] In this case, the payment processing module 1125 displays a screen on the user's terminal 120 to obtain the user's approval at an appropriate time. The appropriate time can be when setting user information, when purchasing a product, when the first payment method is proposed, etc. For example, the user can select an alternative payment method in case the first payment method does not pass the screening from the approval screen and press an approval button, which allows the payment processing module 1125 to obtain approval and the alternative payment method.

[0087] By carrying out the above process, if the first payment method is not approved, the user can be given prior approval to use an alternative payment method, thereby eliminating the need to have the user select an alternative payment method during the payment processing flow.

[0088] The payment processing module 1125 may also determine whether or not to allow an unused first payment method to be selected based on a user condition determined by information of a user making a purchase request for a product. The payment processing module 1125 may also be configured as a determination unit that determines whether or not to allow an unused first payment method to be selected based on a predetermined condition. The user condition may be at least one of the conditions listed below, or any combination of multiple conditions. - When the user is judged to have a certain level of ability to pay based on transaction records on the e-commerce platform or in the store: Optional When the user's ability to pay is determined to be constant based on user attributes such as transaction records, payment history, and settlement history on the e-commerce platform or in stores: Optional - Not a minor (must be of legal age or older to use the service under relevant laws): Optional - The recovery rate of debt from users is above a certain value: selectable - User's credit amount is above a certain value: Optional - If you have not passed the screening for your primary payment method in the past, you cannot select it. -You have previously canceled your primary payment method: Not selectable -Meeting the conditions for applying for the first payment method (e.g., credit of 10,000 yen or more, no history of late payments, etc.): Can be selected - If you have a certain number of transactions using a second payment method (e.g. deferred payment): selectable No late debt repayments: Optional

[0089] Through the above processing, by using user conditions based on user information to make it possible to select the first payment method for users who are likely to pass the screening results for the first payment method, it is possible to reduce the screening process for users who are likely to fail the screening, thereby making processing more efficient.

[0090] The payment processing module 1125 may also determine whether to allow the selection of an unused first payment method based on product conditions determined by product information of the product requested to be purchased. The product conditions may be at least one of the conditions listed below, or any combination of multiple conditions may be used. If the store or product category is a specific store or product (e.g. gambling): Not selectable Stores / categories / price ranges with low deferred payment recovery rates: Cannot be selected - Stores / categories where the first payment method cannot be used / settlement cannot be made as a scheme (e.g., payment for tickets cannot be made later at a certain convenience store): Cannot be selected Stores / categories / price ranges used by users who make purchases using the first payment method, but have a low approval rate for the first payment method: Cannot be selected - If the price of the purchased item is outside the specified range (below the lower limit and / or above the upper limit): Cannot be selected

[0091] By using the above process, the first payment method can be selected for a user who is likely to pass the screening result of the first payment method using the product conditions based on the product information, thereby reducing the screening process and improving the efficiency of the process. In addition, the user conditions and the product conditions may be combined as appropriate.

[0092] The payment processing module 1125 may determine the user conditions or product conditions used to select an unused first payment method based on the track record of other users with respect to the first payment method. The track record of other users includes the following, but may be at least one of the following, or any combination of multiple items. The function that allows you to select the first payment method has been used by other users a certain number of times: Selectable - The pass rate of similar users to the user who made the purchase request is above a certain value: selectable - Other users' approval rate for the product category / price range is above a certain value: Optional

[0093] Through the above processing, by using user conditions and product conditions based on the performance of other users, it is possible to make the first payment method selectable for users who are likely to pass the screening results for the first payment method, thereby reducing the screening process and making processing more efficient.

[0094] In addition, the payment processing module 1125 prompts the user to apply for screening after the first payment method (e.g., fixed amount deferred payment) is selected in a pseudo manner at the time of purchase. In this case, the payment processing module 1125 determines whether all information required for screening has been entered.

[0095] For example, if all the information required for the screening has not been input and the screening is incomplete, the payment processing module 1125 adjusts the number of times to notify the user of the completion of the screening based on the user information or product information. If the screening of the first payment means uses information input or set by the user, the screening will not be accepted unless all the information is input or set. Therefore, if the user transitions from the input screen to another screen while inputting information, or if a predetermined time has passed, it is determined that the screening has been abandoned, and a reminder to input information may be sent at a predetermined timing. The number of reminders is increased for users who meet at least one of the conditions listed below. Among users who use the function to select the first payment method, they have not used this function to purchase products from stores / categories / price ranges with low approval rates for fixed-price payments. - You have purchased a certain number of products using this function -You have started but not completed the application process The application process can be completed more easily than other users (e.g., identity verification has been completed, automatic withdrawals have been set up, and a certain number of required items have already been entered or set)

[0096] Through the above process, it is possible to prompt a user who has withdrawn from the screening process to input or set the necessary information, thereby allowing the user to complete the screening process.

[0097] In addition, the payment processing module 1125 may not allow a user who does not have a specific second payment method available to select the first payment method. For example, if the specific second payment method is deferred payment and the first payment method is fixed-amount deferred payment, the payment processing module 1125 prevents a user from selecting fixed-amount deferred payment (first payment method) unless the user uses a deferred payment method (specific second payment method).

[0098] By performing the above process, the first payment method is made unavailable for selection by users who are unlikely to use the first payment method, thereby preventing an unnecessarily increased number of payment method options.

[0099] The timing for allowing the user to select the first payment method and proposing the first payment method to the user may be when the user selects a specified second payment method (deferred payment) or when the accumulated amount of deferred payment exceeds an upper limit.

[0100] Furthermore, even if a user selects a first payment method, the timing for associating another payment method (e.g., a second payment method) with the payment process may be at any time, such as when purchasing a product, when the screening is rejected, or when the screening is withdrawn.

[0101] In addition, when the user selects a predetermined second payment means (for example, deferred payment), the payment processing module 1125 may suggest the selection of the first payment means to the user. As a way of suggestion, a UI widget for selecting the first payment means may be displayed in association with the selection of the second payment means. In this case, since it is assumed that the user selects deferred payment, credit is also likely to be obtained in the case of fixed-amount deferred payment, which also has a deferred payment function. For example, when purchasing a product with deferred payment, it is equivalent to being able to reserve the payment of this product with fixed-amount deferred payment. In addition, immediately after purchasing a product with deferred payment, the user may be prompted to apply for fixed-amount deferred payment by a pop-up or the like. Note that, when the user selects a payment means other than the predetermined second payment means (for example, balance payment, etc.), the payment processing module 1125 may not suggest the selection of the first payment means to the user. Note that, when the user selects a predetermined second payment means (for example, deferred payment), the payment processing module 1125 may suggest the selection of the first payment means to the user by using a payment means selected by a user similar to the user or a payment means most selected from past statistics as the first payment means. The similarity between users may be determined based on at least one of the products traded (bought and sold) on the e-commerce platform, the available payment methods, the balance amount, and the user's attribute information (such as gender and age).

[0102] Also, when a user selects an unused first payment method (e.g., fixed amount deferred payment) when purchasing a product on the electronic commerce platform, the user may withdraw from or fail the screening. In this case, the payment processing module 1125 may force the user to pay with a second payment method available to the user as described above, but may also cancel the product purchase. The payment processing module 1125 may be set to either one in advance.

[0103] As a process for canceling a product purchase, at the time of the product purchase request, the transaction control module 1124 sets the transaction status of this product on the electronic commerce platform to "Sold Out" (completed). While waiting for the screening results, the transaction status is maintained as "Sold Out". Next, if the screening is withdrawn or rejected, the transaction status is changed to "In Transaction". Note that if the server on the electronic commerce platform (e.g., server 110A) is different from the payment server (e.g., server 110B), a command to change the status is sent and received between the servers.

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

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

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

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

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

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

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

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

[0112] The transaction processing module 1222 executes a process for buying and selling products on the electronic commerce platform. For example, the transaction processing module 1222 executes a process for listing products and purchasing products on the electronic commerce platform. The transaction processing module 1222 also executes a settlement process using a two-dimensional code or the like when purchasing a product at a store.

[0113] The display control module 1223 controls to display screen data related to the electronic commerce platform on the output device 126. For example, the display control module 1223 controls to display a screen for listing a product, controls to display a screen for confirming the use of a factoring scheme, and controls to display a screen for purchasing a product. The display control module 1223 may also control to display a two-dimensional code including user information on the screen when making a payment at a store.

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

[0115] <Operation process 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 processing sequence of the information processing system 1 according to the embodiment. Note that the processing shown in Fig. 6 is an example in which the server 110 manages the e-commerce platform and the payment processing, taking the purchase of a product on an e-commerce platform as an example.

[0116] (Step S102) The transaction processing module 1222 of the user terminal 120 accepts a login request from the user for an application in the electronic commerce platform, and makes a login request to the server 110 .

[0117] (Step S104) When the transaction control module 1124 of the server 110 receives the login request, it performs a user authentication process. At this time, the payment processing module 1125 determines a payment method selectable by the user based on a user condition using the user information of the authenticated user. For example, the payment processing module 1125 may determine whether or not the user can select an unused first payment method. Note that the determination of the first payment method does not necessarily have to be performed at this timing, and may be performed after step S112, for example.

[0118] (Step S106) The payment processing module 1125 of the server 110 notifies the user's terminal 120 of the selectable payment methods.

[0119] (Step S108) The transaction processing module 1222 of the user terminal 120 accepts product browsing on the electronic commerce platform, and when a purchase request is received from the user, executes purchase processing for the product.

[0120] (Step S110) The transaction processing module 1222 of the user terminal 120 selects a payment method for paying for the product in the purchase process. For example, the user selects the first payment method.

[0121] (Step S112) The transmitting / receiving unit 127 of the user's terminal 120 transmits to the server 110 transaction information including product information for the purchase request, user information, and payment information for the selected payment.

[0122] (Step S114) The payment processing module 1125 of the server 110 retrieves the payment information from the received transaction information.

[0123] (Step S116) The payment processing module 1125 of the server 110 identifies the payment method selected by the user based on the acquired payment information. At this time, the first payment method selected by the user is identified by the identification information of the payment information included in the payment information.

[0124] (Step S118) The payment processing module 1125 of the server 110 executes a screening process to determine whether or not the user can use the first payment means. In the screening process, for example, the payment processing module 1125 transmits information of the user who plans to purchase a product to a third party such as CIC and acquires the user's credit information. The payment processing module 1125 uses the credit information acquired from the third party to determine whether or not the user can use the first payment means. If the credit information includes information on a predetermined item such as a delay in credit settlement, the payment processing module 1125 determines that the user cannot use the first payment means.

[0125] (Step S120) The payment processing module 1125 of the server 110 obtains the examination result based on the credit information obtained from the third party institution. At this time, if it is determined that the first payment means is available, the payment processing module 1125 associates the first payment means with the payment processing, and if the first payment means is unavailable, it associates the second payment means with the payment processing. Note that if the payment means specified by the user in step S116 is a payment means that the user can already use, the processes of steps S118 and S120 are not executed.

[0126] (Step S122) The payment processing module 1125 of the server 110 notifies the user's terminal 120 of the examination result, including whether the first payment method can be used or not, via the transmission / reception unit 117. Note that this notification of the examination result may be sent to the terminal 120 only when the examination result indicates that the first payment method cannot be used.

[0127] (Step S124) The display control module 1223 of the user terminal 120 controls to display the acquired examination result on the screen. Here, if the examination result indicates that the payment method is unavailable, the display control module 1223 may allow the user to select an alternative payment method.

[0128] (Step S126) The payment processing module 1125 of the server 110 executes the payment processing with the payment method associated with the payment processing of the product. For example, if the first payment method is a fixed amount deferred payment, the payment processing module 1125 sets it so that the fixed amount is deducted from the user's account at a predetermined timing (predetermined date).

[0129] (Step S128) The payment processing module 1125 of the server 110 notifies the user's terminal 120 via the transmission / reception unit 117 that the product purchase has been completed.

[0130] (Step S130) The display control module 1223 of the user terminal 120 controls the display to display on the screen a message indicating that the product purchase has been completed.

[0131] Note that the processes shown in Fig. 6 are merely examples, and the timing for associating the payment method with the payment process may be any suitable timing other than the timing of S120. The processes shown in Fig. 6 can also be applied when purchasing a product at a store using the user's terminal 120. In this case, only the necessary processes may be executed.

[0132] <Screen example> Next, examples of screens displayed on the user's terminal 120 will be described with reference to Fig. 7. Fig. 7 shows an example of screen transitions on the terminal 120 according to the embodiment. In the example shown in Fig. 7, screen D102 shows an example of a product viewing page. When the user presses the "Proceed to purchase" button on the bottom right of screen D102, screen D104 is displayed.

[0133] Screen D104 shows an example of a purchase procedure screen. On the purchase procedure screen, it is possible to select a payment method. On screen D104, it is possible for this user to select an unused fixed amount deferred payment. Here, when the user presses the item "Payment method", screen D106 is displayed.

[0134] Screen D106 shows an example of a payment method selection screen. The payment method selection screen displays multiple payment methods (payment means) and allows the user to select one. When the user presses the "fixed amount deferred payment" option from among "fixed amount deferred payment," "convenience store payment," "deferred payment," and "balance payment," screen D108 is displayed.

[0135] Screen D108 shows an example of a simulation screen for fixed-amount deferred payment. The simulation screen displays the total amount (20,000 yen), the fixed amount (5,000 yen), and an image of monthly settlement (principal + fee). This information is transmitted from the transaction control module 1124 of the server 110 and displayed on the screen by the display control module 1223 of the terminal 120. If the user then presses the back button in the upper left corner of the screen twice, screen D104 will be displayed again.

[0136] When the user selects the fixed amount deferred payment option on screen D104 and presses the "Purchase" button, screen D110 is displayed.

[0137] Screen D110 shows an example of a purchase completion screen. The purchase completion screen is displayed to the user, so the user can recognize that the previously unused fixed-amount deferred payment method has passed the screening.

[0138] The disclosed technology is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the spirit of the disclosed technology. For example, the above-described processing steps can be arbitrarily changed in order or executed in parallel as long as no contradiction occurs in the processing content.

[0139] For example, in the above-described embodiment, an example was described in which management of the electronic commerce platform and management of electronic payments are performed by the same server 110, but server 110A may manage the electronic commerce platform and server 110B may manage electronic payments. [Explanation of symbols]

[0140] 1...information processing system, 110...server, 111...processor, 112...memory, 113...storage, 114...input / output I / F, 115...input device, 116...output device, 117... Transmitter / receiver unit, 120... terminal, 121... processor, 122... memory, 123... storage, 124... input / output I / F, 125... input device, 126... output device, 127... transmitter / receiver unit, 1124... transaction control module, 1125... settlement processing module, 1222... transaction processing module, 1223... display control module

Claims

1. An information processing device, Obtaining payment information for a product requested to be purchased by a user; Identifying a first payment method to be used for payment processing of the product based on payment identification information included in the payment information; When the first payment means is identified as an unused first payment means that has not yet been used by the user based on whether or not the user has used the first payment means on the information processing device, obtaining an examination result regarding the availability of the first payment means based on credit information of the user; An information processing method which performs payment processing for the product using the first payment means when the examination result indicates that the product can be used, and performs payment processing for the product using a second payment means that the user has already used on the information processing device when the examination result indicates that the product cannot be used.

2. The information processing device, If the first payment means selected by the user is identified as the unused first payment means, before the unused first payment means is examined, the second payment means is associated with a payment process for the product; The information processing method according to claim 1 , wherein performing the payment processing includes, if the examination result indicates that the product cannot be used, making a payment using the second payment means associated with the payment processing of the product.

3. The association may include: The information processing method according to claim 2 , further comprising changing the second payment means associated with payment processing of the product to the first payment means when the examination result indicates availability.

4. The information processing device, When the user selects the unused first payment means, if the examination result of the unused first payment means indicates that the unused first payment means is unavailable, the method further executes obtaining approval to make a payment with the second payment means; 4. The information processing method according to claim 1, wherein obtaining the approval includes displaying a screen for obtaining the approval on a user terminal when setting user information, when purchasing the product, or when proposing the first payment means, and the user selecting from the user terminal an alternative payment means in case the review result of the first payment means indicates that the first payment means cannot be used.

5. The information processing device, The information processing method according to claim 1 , further comprising: determining whether or not to make the unused first payment method selectable based on a user condition determined by information of the user.

6. The information processing device, The information processing method according to claim 1 , further comprising: determining whether or not to make the unused first payment means selectable based on product conditions determined by information about the product.

7. The information processing method according to claim 5 or 6, wherein the user conditions determined by the information of the user used to select the unused first payment method or the product conditions determined by the information of the product are determined by the track record of other users' first payment methods.

8. The information processing device, The information processing method according to claim 1 , further comprising the step of making the first payment method, fixed-amount deferred payment, unavailable to a user who does not have a specific second payment method, deferred payment, available for selection.

9. In the information processing device, Receiving payment information for a product requested to be purchased by the user; Identifying a first payment method to be used for payment processing of the product based on payment identification information included in the payment information; When the first payment means is identified as an unused first payment means that has not yet been used by the user based on whether or not the user has used the first payment means on the information processing device, obtaining an examination result regarding the availability of the first payment means based on credit information of the user; When the examination result indicates that the product can be used, a payment process for the product is performed using the first payment means, and when the examination result indicates that the product cannot be used, a payment process for the product is performed using a second payment means that has already been used by the user on the information processing device. A program that executes the following.

10. An information processing device including one or more processors, the one or more processors: Receiving payment information for a product requested to be purchased by the user; Identifying a first payment method to be used for payment processing of the product based on payment identification information included in the payment information; When the first payment means is identified as an unused first payment means that has not yet been used by the user based on whether or not the user has used the first payment means on the information processing device, obtaining an examination result regarding the availability of the first payment means based on credit information of the user; When the examination result indicates that the product can be used, a payment process for the product is performed using the first payment means, and when the examination result indicates that the product cannot be used, a payment process for the product is performed using a second payment means that has already been used by the user on the information processing device. An information processing device that executes the above.

Images