Program, information processing method, and information processing device

Abstract

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

Description

[Technical Field]

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

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

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2001-167163 Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional e-commerce platforms, sellers receive payment for items only after they deliver the items to the buyer and the buyer confirms receipt. Therefore, even if sellers list items hoping to receive payment quickly, it can take a long time before they actually receive payment.

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

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

[0007] [Figure 1] 1A to 1C are diagrams illustrating an example of the configuration of an information processing system according to one aspect of an embodiment, an example of the hardware configuration of a server according to the disclosure, an example of the hardware configuration of a terminal according to the present disclosure, and an example of a block diagram illustrating the configuration of an information processing system according to an embodiment. [Figure 2] FIG. 2 is a diagram illustrating a hardware configuration of a server 150 included in an information processing system 1 according to an aspect of an embodiment. [Figure 3] FIG. 3 is a diagram showing an example of user information stored in a memory of the server 110 according to the first embodiment. [Figure 4] FIG. 3 is a diagram showing an example of transaction information stored in a memory of the server 110 according to the first embodiment. [Figure 5] FIG. 3 is a diagram showing an example of account information stored in a memory of a user's server 150 according to the first embodiment. [Figure 6] FIG. 2 is a diagram for explaining a processing example of the information processing system 1 according to the first embodiment. [Figure 7] FIG. 2 is a diagram showing an example of a processing sequence of the information processing system 1 according to the first embodiment. [Figure 8] FIG. 10 is a diagram for explaining a processing example of the information processing system 1 according to the second embodiment. [Figure 9] FIG. 10 is a diagram showing an example of a processing sequence of the information processing system 1 according to the second embodiment. DETAILED DESCRIPTION OF THE INVENTION

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

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

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

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

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

[0013] The servers 110 and 150 provide predetermined services to the terminals 120 used by users via the network 130. Examples of predetermined services include, but are not limited to, payment services, financial services, e-commerce services, SNS (Social Networking Services) such as instant messaging services, and content provision services such as music, videos, and books. The servers 110 and 150 may provide one or more predetermined services individually, or may provide one or more predetermined services in combination. The servers 110 and 150 provide predetermined services to one or more terminals 120, allowing users to use the predetermined services via the terminals 120.

[0014] As necessary, the terminal used by user X will be referred to as terminal 120X, and information associated with the user in a predetermined service, which is associated with user X or terminal 120X, will be referred to as user information X. User information may include, but is not limited to, information associated with the user, such as the user's name, user icon image, user age, user gender, user address, user hobbies and interests, and user identifier, which is input by the user or assigned by the predetermined service, balance information of electronic value (electronic money) associated with the user, credit card information (such as a credit card number) associated with the user, and the like.

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

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

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

[0018] Servers 110, 150 and terminal 120 may be, for example and without limitation, smartphones, mobile phones (feature phones), computers (for example and without limitation, desktops, laptops, tablets, etc.), server devices, media computing platforms (for example and without limitation, cable, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (for example and without limitation, PDAs (Personal Digital Assistants), email clients, etc.), wearable devices (for example and without limitation, glasses-type devices, watch-type devices, etc.), other types of computers, or communication platforms, or any combination thereof.

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

[0020] The server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transmitter / receiver 117. The hardware components of the server 110 are connected to each other via a bus B, for example and not by way of limitation.

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

[0022] The processor 111 executes processes, functions, or methods implemented by code or instructions included in a program stored in the storage 113. The processor 111 may include, but is not limited to, one or more central processing units (CPUs), microprocessing units (MPUs), graphics processing units (GPUs), microprocessors, processor cores, multiprocessors, application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc., and may implement the processes, functions, or methods disclosed in each embodiment using logic circuits (hardware) or dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSIs (Large Scale Integration)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

[0023] The memory 112 temporarily stores the program 1121 loaded from the storage 113 and provides a working area for the processor 111. The memory 112 also temporarily stores various data generated while the processor 111 is executing the program. The memory 112 may be, for example, but not limited to, a random access memory (RAM), a read only memory (ROM), or a combination of these. The storage 113 stores programs and various data. The storage 113 may be, for example, but not limited to, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0024] The input / output I / F 114 is connected to an input device 115 for inputting various operations to the server 110 and an output device 116 for outputting the results of processing performed by the server 110 .

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

[0026] The output device 116 may be any of a variety of devices capable of outputting the processing results of the processor 111 via the input / output I / F 114, or a combination thereof. When the processing results are output as video or video images, the output device 116 may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. The output device 116 may be, but is not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

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

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

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

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

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

[0032] The processor 121 executes processes, functions, or methods implemented by codes or instructions included in a program stored in the storage 123. The processor 121 may include, but is not limited to, a central processing unit (CPU), a microprocessing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc., and may implement the processes, functions, or methods disclosed in each embodiment using a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large-scale integration (LSI)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

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

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

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

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

[0037] The output device 126 may be any of a variety of devices capable of outputting the processing results of the processor 121, or a combination thereof. When the processing results are output as video or video images, the output device may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

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

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

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

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

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

[0043] The processor 151 executes processes, functions, or methods implemented by codes or instructions included in a program stored in the storage 153. The processor 151 may include, but is not limited to, a central processing unit (CPU), a microprocessing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc., and may implement the processes, functions, or methods disclosed in each embodiment using a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large-scale integration (LSI)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

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

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

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

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

[0048] The output device 156 may be any of a variety of devices capable of outputting the processing results of the processor 151, or a combination thereof. When the processing results are output as video or video images, the output device may be any of a variety of devices capable of displaying the display data written to the frame buffer, or a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0049] The input device 155 and the output device 156 may be integrated, or may be separate. The input device 125 and the output device 126 do not necessarily have to be provided in the server 150.

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

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

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

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

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

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

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

[0057] Note that 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), and the like.

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

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

[0060] In addition, references in the appended claims to an apparatus or system, or a component of an apparatus or system, that is adapted, arranged, capable, configured, enabled, operable, or capable of performing a particular process, function, or method encompass that apparatus, system, or component, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or operable, regardless of whether the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked.

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

[0062] First Embodiment The first embodiment utilizes a factoring scheme to transfer the seller's right to claim payment after the sale of an item is completed to another business operator that is not the operator of the e-commerce platform, allowing the seller to receive payment from the other business operator.

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

[0064] <Configuration of the first embodiment> The configurations of the server 110, the terminal 120, and the server 150 will be described with reference to FIGS. (1) Server configuration The server 110 includes a processor 111 , a memory 112 , a storage 113 , an input / output I / F 114 , an input device 115 , an output device 116 , and a transmission / reception unit 117 .

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

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

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

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

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

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

[0071] FIG. 3 shows an example of user information 1122 according to the first embodiment. The user information manages information about each member user created by the person who operates and manages the e-commerce platform. The "user ID" includes user identification information (user ID: Identifier) ​​that allows the server 110 to uniquely identify the user. The "email address" includes the email address registered by the user. The "name" includes the user's name. The "credit score" includes a score indicating the user's creditworthiness in transactions calculated according to predetermined criteria. The "transaction evaluation" includes an evaluation value assessed by the counterparty of the buying and selling transaction. The "asset amount" includes the total price of goods owned by the user or registered on the e-commerce platform. The price of the goods may be calculated at a predetermined time based on the transaction history on the e-commerce platform. For example, if the representative price of goods traded in month N is higher than the representative price of goods traded in month N-1, the price of the goods calculated for month N may be higher than the price of the goods calculated for month N-1.

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

[0073] 1, the transaction control module 1124 stored in the memory 112 controls buying and selling transactions on the e-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, electronic value management processing, etc. on the e-commerce platform.

[0074] The receivables management module 1125 is executed by the processor 111 to manage receivables for the right to claim sales proceeds when a factoring scheme is used. For example, the receivables management module 1125 changes the payment recipient (payee) when a receivable is assigned. The processing related to the assignment of receivables is described below.

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

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

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

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

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

[0080] This association allows the seller to pay at least a part of the price of the product without waiting for the buyer's receipt notice, and the seller can receive at least a part of the price of the product before the shipping notice or receipt notice is sent.

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

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

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

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

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

[0086] The above processing allows for flexible application of the factoring scheme using each parameter, making it possible to apply it to appropriate sellers or items of appropriate value.

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

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

[0089] Furthermore, the receivables management module 1125 may reduce the first fee or the second fee depending on the number of times the association process is performed. For example, the receivables management module 1125 may reduce the factoring fee (first fee) or the listing fee (second fee) by a larger amount or reduce the fee the more times the factoring scheme is applied.

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

[0091] Furthermore, when a sales transaction of a product is canceled, the credit management module 1125 may determine whether to execute a process to refund at least a portion of the price of the product, depending on the cause of the cancellation. For example, when a sales transaction is canceled after at least a portion of the price has been paid to the seller by the second business, the credit management module 1125 identifies whether the cause of the cancellation is the seller or the buyer.

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

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

[0094] This process makes it possible to properly process a portion of the payment that has already been made, even if the sales transaction is canceled.

[0095] Furthermore, the receivables management module 1125 may further execute a process of urging the purchaser if the purchaser of the product does not pay the price. For example, if the balance in the purchaser's account does not exceed the price for some reason, the receivables management module 1125 executes a process of urging the purchaser to pay the price. For example, the receivables management module 1125 notifies the purchaser by email or the like to request the difference or the full amount.

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

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

[0098] For example, if the second price is higher than the first price, the debt management module 1125 executes a process of paying at least a portion of the difference to the seller. Furthermore, if the second price is lower than the first price, the debt management module 1125 may store at least a portion of the difference as a loan to the seller, in association with the seller. The loan may be recovered by, for example, associating the amount obtained by deducting the difference from the sales proceeds with the seller's account (by adding it to the balance of the seller's account) when the seller's next sale is concluded.

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

[0100] Furthermore, the receivables management module 1125 may require the purchaser's consent as a condition for the transfer of the right to claim the purchase price, or may notify the purchaser that the right to claim the purchase price will be transferred. Furthermore, if the seller uses this factoring scheme, the receivables management module 1125 may work in cooperation with the transaction control module 1124 to display on the product page describing this product on the electronic platform that a factoring scheme will be used.

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

[0102] Furthermore, in order to maintain the seller's motivation to complete the transaction to the end, the debt management module 1125 may pay at least a predetermined percentage of the price of the product or the price minus a predetermined fee as the payment amount. Furthermore, the debt management module 1125 may execute a process to change the predetermined percentage so that it becomes larger when a parameter of the user information or transaction information satisfies a predetermined condition. Furthermore, the debt management module 1125 may execute a process to change the predetermined percentage so that it becomes larger as the parameter value becomes larger.

[0103] The receivables management module 1125 may also execute a process that allows a seller to increase the amount of an item for which a factoring scheme can be used, the shorter the period between the seller's previous listing and delivery. Furthermore, the receivables management module 1125 may also execute a process that allows a seller to increase the amount of at least a portion of the payment received using a factoring scheme, the shorter the period between the seller's previous listing and delivery. These processes can prevent a seller from losing motivation to complete a sales transaction, even if they receive sales proceeds early.

[0104] The one or more processors 111 read and execute each module as necessary from the memory 112. For example, the one or more processors 111 may execute a transaction control module 1124 and a bond management module 1125 to constitute a transaction control unit and a bond management unit, 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, etc. Then, the transmitting / receiving unit 127 stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 127 transmits data to the server 110 using the connected communication session.

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

[0110] The memory 122 stores, in one embodiment, 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 conducting a buying and selling transaction of a product on the e-commerce platform. For example, the transaction processing module 1222 executes a process for listing a product or purchasing a product on the e-commerce platform.

[0113] The display control module 1223 controls the display of screen data related to the e-commerce platform on the output device 126. For example, the display control module 1223 controls the display of a screen for listing a product, controls the display of a screen for confirming the use of a factoring scheme, and controls the display of a screen for purchasing a product.

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

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

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

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

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

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

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

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

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

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

[0124] In the example shown in FIG. 5, the balance includes the charge amount, sales amount (profit), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount that a user deposits from their own bank account to an account created by a payment service provider. Sales amount indicates, for example, the profits that a user earns by listing and selling products on an e-commerce platform. Points 1 are, for example, points that a user earns by converting sales amount and are used on the e-commerce platform. Points 2 are, for example, points awarded by another party, such as a payment service provider, and are used on the e-commerce platform.

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

[0126] Points 1 are paid points converted from sales revenue for users to transact on the e-commerce platform before bank connection, and an expiration date may be set for Points 1. The expiration date may be six months, for example. After bank connection, Points 1 can be withdrawn from sales revenue, so there is no need to convert them into new Points 1 and hold them. Therefore, Points 1 held before bank connection will gradually decrease with use.

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

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

[0129] Furthermore, when a first business and a second business partner, the payment processing module 1523 manages sales proceeds and processes payments on the e-commerce platform using a common account for electronic payments. For example, the payment processing module 1523 may execute an escrow process to freeze electronic value equivalent to the payment amount in the purchaser's account for payment on the e-commerce platform, and transfer the payment amount after confirming receipt of the product.

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

[0131] In addition, when the purchaser makes payment, the debt processing module 1524 does not associate the payment with the seller's account, but associates the payment with the other business's own account and executes payment collection processing.

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

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

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

[0135] (1) Transaction completed Assume that a seller uses terminal 120A to list a product on an e-commerce platform, and a buyer uses terminal 120B to purchase the product on the e-commerce platform. At this time, a sales transaction is concluded, the seller acquires the right to claim the purchase price, and the seller grants the first business operator the right to receive the purchase price on his / her behalf.

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

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

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

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

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

[0141] (6) Listing fees The second business operator, having been granted the right to receive the listing fee on behalf of the first business operator, pays the listing fee to the first business operator. For example, the receivables processing module 1524 of the server 150 transfers the listing fee to the bank account of the first business operator, or, if the first business operator has an electronic value account, performs payment processing by associating the payment with that account.

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

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

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

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

[0146] (Step S108) The receivables management module 1125 of the server 110 uses the seller's ID to determine whether the seller is eligible for the factoring scheme. If the seller is not eligible, a normal sales transaction is carried out, and if the seller is eligible, the processing from step S110 onwards is carried out.

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

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

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

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

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

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

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

[0154] <<First Example>> The first embodiment differs from the above-mentioned example in that the first and second carriers are regarded as the same entity. In this embodiment, the server 110 and the server 150 are the same server.

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

[0156] <<Configuration of the First Embodiment>> The system configuration, server and terminal configurations, etc. according to the first example are basically the same as the system configuration, server and terminal configurations, etc. according to the first embodiment. The difference between the first example and the first embodiment is that the server 110 and the server 150 are the same server. For example, the processes, functions, configurations, etc. of the server 110 and the processes, functions, configurations, etc. of the server 150 can be integrated, and only the necessary ones can be kept, while the overlapping ones can be deleted.

[0157] <<Second Example>> In the second embodiment, the first and second carriers are affiliated, but each of them has its own user account. This is an example where an account is managed, and the first business notifies the second business of the seller's bank transfer information, account information, and payment information.

[0158] <<Effects of the Second Embodiment>> According to the second embodiment, the same effect as that of the first embodiment can be obtained without making any major changes to the current system. Furthermore, according to the second embodiment, when a first business operator and a second business operator form a partnership, the advantageous effect of being able to use their respective accounts as is can be obtained.

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

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

[0161] Furthermore, the receivables management module 1125 may notify the purchaser of the second business's bank transfer information or account information so that the purchaser can pay the price of the product to the second business. This allows the purchaser to pay the price of the product to the second business.

[0162] The receivables management module 1125 may execute a process to receive payment from the purchaser and then pay the remaining amount (including the factoring fee) minus the listing fee to the second business operator. This allows the purchaser to carry out payment processing on a regular e-commerce platform without being aware of the existence of the second business operator.

[0163] Second Embodiment The second embodiment differs from the first embodiment in that the transfer of the right to claim the purchase price is carried out before the sale is concluded.

[0164] The second embodiment utilizes a factoring scheme to enable the seller to receive payment before receipt of the item is confirmed, for example, promptly after the item is listed, and also has the effect of eliminating the need for a money lending license.

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

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

[0167] For example, if the second price is higher than the first price, the debt management module 1125 executes a process of paying at least a portion of the difference to the seller. Furthermore, if the second price is lower than the first price, the debt management module 1125 associates at least a portion of the difference with the seller as a loan to the seller and stores it. The loan in this case is adjusted, for example, at the time of the seller's next sale and purchase, by deducting at least a portion of the difference from the sales proceeds and associating it with the seller's account.

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

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

[0170] (1) Transfer of the right to claim the purchase price A seller uses terminal 120A to list a product on the e-commerce platform, and by agreeing to a factoring scheme, for example, simultaneously with the listing, transfers the right to claim future purchase price to the second business operator. In addition, agreement to use the factoring scheme is obtained in advance or on a case-by-case basis between the seller, the first business operator, and the second business operator.

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

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

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

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

[0175] (6) Listing fees The second business operator, having been granted the right to receive the listing fee on behalf of the first business operator, pays the listing fee to the first business operator. For example, the receivables processing module 1524 of the server 150 transfers the listing fee to the bank account of the first business operator, or, if the first business operator has an electronic value account, performs payment processing by associating the payment with that account.

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

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

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

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

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

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

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

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

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

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

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

Claims

1. An information processing device that provides electronic commerce services, receiving a request from a seller to list a product; Accepting a purchase of the product; Accepting a shipping notification or receipt notification of said goods; An information processing method that performs the association of at least a portion of the price of the product with the seller during a first period from receiving the listing request to accepting the shipping notice or the receipt notice, the association including notifying the seller information and payment information to a debt processing module that pays at least a portion of the price to the seller within the first period.

2. The information processing device, The information processing method according to claim 1 , further comprising changing the recipient of the payment from the seller's account to an account of a person who pays at least a portion of the payment.

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

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

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

6. The information processing method according to claim 5 , wherein reducing the first fee or the second fee includes changing the first fee or the second fee depending on the number of times the association is performed.

7. The information processing device includes: The information processing method according to claim 1 , further comprising: determining whether or not to execute a process to refund at least a portion of the price of the product when the sales transaction of the product is canceled, depending on the cause of the cancellation.

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

9. The information processing device includes: An information processing method as described in any one of claims 1 to 8, further comprising the step of: if the price of the product when the association with the seller is made differs from the price of the product when the sale of the product is completed, processing is performed regarding the difference between the two prices.

10. For information processing devices that provide e-commerce services, receiving a request from a seller to list a product; Accepting a purchase of the product; Accepting a shipping notification or receipt notification of said goods; A program that executes the process of associating at least a portion of the price of the product with the seller during a first period from receiving the listing request to accepting the shipping notice or the receipt notice, the process including notifying the seller information and payment information to a debt processing module that pays at least a portion of the price to the seller within the first period.

11. An information processing device that provides an electronic commerce service, One or more processors included in the information processing device receiving a request from a seller to list a product; Accepting a purchase of the product; Accepting a shipping notification or receipt notification of said goods; An information processing device that performs the association of at least a portion of the price of the product with the seller during a first period from receiving the listing request to accepting the shipping notice or the receipt notice, the association including notifying the seller information and payment information to a debt processing module that pays at least a portion of the price to the seller within the first period.

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