Transaction support system, transaction support method and program

Abstract

The transaction support system according to the present disclosure includes: an acquisition means for acquiring monetary information related to a reference date of management of money that can be used by a buyer who performs e-commerce using a terminal; a candidate determination means for determining a candidate settlement time period for the e-commerce on the basis of the monetary information; and a display control means for displaying the candidate settlement time period on the terminal.

Description

Transaction support system, transaction support method, and recording medium

[0001] The present disclosure relates to a transaction support system and the like.

[0002] Electronic payments are widely used. For example, electronic payments are used in e-commerce transactions where products are purchased over the Internet. In typical e-commerce transactions, the date on which a user orders a product is treated as the settlement date. Then, money is debited from the purchaser's bank account or electronic money balance on the settlement date. Alternatively, when a credit card is used, money is debited on the credit card's due date, depending on the credit card's closing date.

[0003] Patent Document 1 discloses a payment server that proposes a payment plan that provides benefits when paying bills or the like with electronic money during a campaign period.

[0004] Japanese Patent Application Laid-Open No. 2022-157620

[0005] Depending on the time of year, a purchaser who engages in an e-commerce transaction may not have the financial means to make a payment. However, it is troublesome for the purchaser to remember when they have the financial means to make a payment when they are financially able to do so. The present disclosure aims to provide a transaction support system and the like that can support the purchaser in making a payment when they have the financial means to do so.

[0006] The transaction support system according to the present disclosure comprises an acquisition means for acquiring monetary information regarding the reference date for managing money available to a purchaser conducting an electronic commerce transaction using a terminal, a candidate determination means for determining candidate payment times for the electronic commerce transaction based on the monetary information, and a display control means for displaying the candidate payment times on the terminal.

[0007] The transaction support method of the present disclosure obtains monetary information regarding the reference date for managing money available to a purchaser conducting an e-commerce transaction using a terminal, determines candidate payment dates for the e-commerce transaction based on the monetary information, and displays the candidate payment dates on the terminal.

[0008] The program according to the present disclosure causes a computer to execute a process of acquiring monetary information related to a reference date for managing money available to a purchaser performing an electronic commerce transaction using a terminal, determining candidate payment dates for the electronic commerce transaction based on the monetary information, and displaying the candidate payment dates on the terminal. The program may be stored in a computer-readable non-transitory recording medium.

[0009] According to the present disclosure, it is possible to support purchasers in making payments at a time when they have financial resources.

[0010] FIG. 1 is a block diagram showing an example of the configuration of a transaction support system according to a first embodiment. FIG. 2 is a flowchart showing an example of the operation of the transaction support system according to the first embodiment. FIG. 3 is a block diagram showing an example of the configuration of a transaction support system according to a second embodiment. FIG. 4 is a diagram showing an example of monetary information to be stored. FIG. 5 is a diagram showing an example of a product introduction screen. FIG. 6 is a diagram showing an example of an order screen. FIG. 7 is a diagram showing an example of an order screen. FIG. 8 is a diagram showing an example of an order completion screen. FIG. 9 is a sequence diagram showing an example of the operation of a transaction support system according to the second embodiment. FIG. 10 is a block diagram showing an example of the configuration of a transaction support system according to a third embodiment. FIG. 11 is a flowchart showing an example of the operation of the transaction support system according to the third embodiment. FIG. 12 is a diagram showing an example of a procedure screen on which the payment time can be specified. FIG. 13 is a block diagram showing an example of a procedure screen on which the payment time can be specified. FIG. 14 is a block diagram showing an example of the hardware configuration of a computer.

[0011] First Embodiment First, in the first embodiment, basic functions of a transaction support system will be described. Fig. 1 is a block diagram showing an example configuration of a transaction support system 100 according to the first embodiment. The transaction support system 100 includes an acquisition unit 101, a candidate determination unit 102, and a display control unit 103.

[0012] The acquisition unit 101 acquires financial information related to the base date for managing the money available to a purchaser who conducts electronic commerce using a terminal. The money available to a purchaser includes, for example, cash, a bank account balance, an electronic money balance, a credit card, etc. The income date, the credit card closing date, and the household account book closing date are the base dates for managing the available money.

[0013] The closing date for a credit card is determined in advance by a contract between the credit card company and the purchaser. The purchaser may use an electronic or paper household ledger to manage the available funds for a specified period. The closing date for the household ledger is determined in advance by the purchaser.

[0014] After the budget base date, the amount of money available to the buyer increases. If a payment is made after the date on which the available money increases, the buyer can make the payment with ease. The date on which the amount of available money increases also includes the date on which the available money is scheduled to increase. The date on which the amount of available money increases includes the date on which the buyer's income is paid (hereinafter referred to as the income date), the date after the credit card closing date, or the date after the closing date of the household account book. For example, a buyer may create a monthly budget and set a budget of 100,000 yen for January and 80,000 yen for February. During January, the buyer spends money and the available money decreases. Then, when the end of January turns into February, the buyer can manage their money by assuming that the amount of available money has increased.

[0015] The monetary information is stored in advance in a database or the like. The acquisition unit 101 may acquire, as the monetary information, the income date, the credit card closing date, or the household account book closing date. The type of income is not particularly limited and may include, for example, salary, bonus, pension, benefit, etc. The acquisition unit 101 may also acquire, as the monetary information, a bank account or electronic money deposit / withdrawal history or a balance increase / decrease history. From such history, it is possible to estimate the planned income date or the date on which the purchaser plans to transfer their cash income to their bank account.

[0016] The candidate designator 102 determines candidate payment times for an e-commerce transaction based on the financial information acquired by the acquirer 101. The candidate payment times are candidates for the timing of making a payment. Making a payment means completing a sales contract. In this embodiment, the purchaser can specify a time after submitting an offer for a sales contract by placing an order as the payment time. If the purchaser pays from a bank account or electronic money, a deduction is made from the balance when the payment is made. If the purchaser pays with a credit card, the credit card is used on the payment date, and the amount used is debited from the bank account on the deduction date.

[0017] The candidate payment period may be a single point in time or a predetermined period of time. For example, the candidate designator 102 designates a date on or after which the purchaser's available funds increase as the candidate payment period. When the length of the candidate payment period is determined, the length is not particularly limited and may be set as appropriate, such as a few hours, a day, or several days. Furthermore, the start and end times of the candidate payment period are not limited to the timing of the date change and may be set as appropriate.

[0018] The display control unit 103 displays the candidate payment periods determined by the candidate determination unit 102 on a terminal used by the purchaser. For example, the display control unit 103 may display the candidate payment periods on an e-commerce transaction procedure screen. The e-commerce transaction procedure screen is, for example, a screen operated by the purchaser to place an order.

[0019] 2 is a flowchart showing an example of the operation of the transaction support system 100 according to the first embodiment. The acquisition unit 101 acquires monetary information related to the reference date for managing money available to a purchaser using a terminal to conduct an e-commerce transaction (step S1). The candidate designation unit 102 determines candidate payment periods for the e-commerce transaction based on the monetary information acquired by the acquisition unit 101 (step S2). The display control unit 103 displays the candidate payment periods determined by the candidate designation unit 102 on the terminal used by the purchaser (step S3).

[0020] The transaction support system 100 according to the first embodiment determines candidate payment times based on financial information related to the reference date for managing the purchaser's available funds. Therefore, it is possible to determine an appropriate candidate payment time for each purchaser, taking into consideration the different periods when each purchaser has financial leeway. The transaction support system 100 then displays the candidate payment times on the terminal of the purchaser conducting the e-commerce transaction. Therefore, the purchaser does not need to remember the periods when they have financial leeway when conducting the e-commerce transaction. The purchaser proceeds with the e-commerce transaction so that payment can be made at the displayed period. Therefore, the transaction support system 100 can assist the purchaser in making payment at a period when they have financial leeway.

[0021] Second Embodiment Next, a transaction support system 110 according to a second embodiment will be described. Regarding the transaction support system 110, a description of the same configuration as that of the transaction support system 100 according to the first embodiment will be omitted.

[0022] 3 is a diagram showing an example of a device communicatively connected to transaction support system 110. In one example, transaction support system 110 is connected to a financial information database (DB) 20, an e-commerce system 30, and a purchaser terminal 40 via a network.

[0023] The financial information DB 20 stores financial information regarding the amount of money available to each user. The financial information relates to a reference date for managing the amount of money available to the user. From such a reference date, it is possible to derive the date on which the amount of money available to the user will increase. The amount of money available to the user may be a portion of the money the user owns, or may be a budget amount appropriately set by the user. Furthermore, if the user also uses a credit card, the amount of money available may be a budget amount appropriately set by the user that is less than the limit set by the credit card company.

[0024] For example, the financial information DB 20 stores financial information transmitted from a bank server, a credit card company server, or a household account book application server. The financial information DB 20 may also store financial information input by a user. For example, the financial information DB 20 stores financial information related to cash and financial information related to a paper household account book input by a user.

[0025] In one example, the financial information DB 20 stores a predetermined income date, a credit card closing date, or a household account book closing date as financial information. In another example, the financial information DB 20 stores a bank account or electronic money deposit / withdrawal history or a balance increase / decrease history as financial information.

[0026] The financial information DB 20 stores financial information for each user ID (identifier) ​​that identifies a user. FIG. 4 is a diagram showing an example of financial information stored in the financial information DB 20. FIG. 4 shows financial information related to a user's payday and financial information related to a credit card closing date. A purchaser of the electronic commerce system 30 is linked to a user whose financial information is registered by the user ID. The financial information DB 20 may store purchaser information that identifies a purchaser of the electronic commerce system 30 in association with the user ID. Alternatively, the user ID may be the same as the purchaser information. The user ID and purchaser information may be an account ID of the electronic commerce system 30, a credit card number, a bank account number, or an electronic money account ID. Note that it is also permissible for the same person to hold multiple user IDs.

[0027] The e-commerce system 30 manages e-commerce transactions between sellers and buyers. For example, the e-commerce system 30 displays an e-commerce transaction procedure screen on the buyer terminal 40. The e-commerce transaction procedure screen includes any screen from a screen for starting an order to a screen for confirming the order. The procedure screen may be a product introduction screen or an order screen.

[0028] The purchaser terminal 40 is an example of a terminal used by a purchaser who conducts e-commerce. The purchaser terminal 40 accesses the e-commerce system 30 to order and purchase products and services. The purchaser terminal 40 is, for example, a smartphone, a tablet, or a personal computer.

[0029] 5 is a diagram showing an example of a product introduction screen that the e-commerce system 30 displays on the purchaser terminal 40. The "Add to Cart" button D1 is an example of a button for starting an order. The e-commerce system 30 then accepts orders for products and services from purchasers who have a specific account ID.

[0030] Fig. 6 is a diagram showing an example of an order screen that the e-commerce system 30 displays on the purchaser terminal 40. The order screen in Fig. 6 may be displayed after the "Add to Cart" button D1 is pressed in Fig. 5. The "Proceed to Checkout" button D2 is an example of a button that starts processing related to payment.

[0031] The electronic commerce system 30 also accepts a payment method from the purchaser. At this time, the electronic commerce system 30 may also accept a user ID linked to financial information. FIG. 7 illustrates another example of an order screen. The order screen of FIG. 7 may be displayed after the "Proceed to Checkout" button D2 in FIG. 6 is pressed. As illustrated in FIG. 7, the order screen may include an area that displays a selectable payment method and payment date. In FIG. 7, the payment date can be selected from the day of the order, payday, or any date designated by the user. Payday is an example of a candidate payment date determined by the candidate designator 102. In FIG. 7, when the "Confirm Order" button D3 is pressed, the electronic commerce system 30 confirms the order. The electronic commerce system 30 then manages payment for the product at the selected payment date. For example, the electronic commerce system 30 transmits information to a payment server (not shown) when the payment date arrives. Upon receiving the information from the electronic commerce system 30, the payment server processes withdrawals from a bank account or electronic money, or the use of a credit card. Alternatively, the electronic commerce system 30 may transmit the payment time to the payment server, which processes the payment when the payment time arrives.

[0032] In FIG. 7, when the "Order Confirmation" button D3 is pressed, the e-commerce system 30 may cause the purchaser terminal 40 to display an order completion screen. FIG. 8 is a diagram showing an example of the order completion screen. The order completion screen may include the order number of the confirmed order and the estimated shipping date of the product. The product may be shipped after payment is completed on the payment date. Alternatively, the product may be shipped after the order is confirmed but before payment is completed.

[0033] The timing at which the seller engaging in electronic commerce accepts the order may be when the purchaser places the order or when the payment is completed. The electronic commerce system 30 may transmit the order details and an instruction to ship the ordered product to the seller's terminal.

[0034] The electronic commerce system 30 may be realized by a single device, or by two or more physically separated devices connected by wire or wirelessly. In this embodiment, an example will be described in which the device that realizes the electronic commerce system 30 and the transaction support system 110 are realized by separate devices. However, the transaction support system 110 may also be realized by a device that realizes at least a part of the electronic commerce system 30. The transaction support system 110 may execute the processing of the electronic commerce system 30 described below.

[0035] The acquisition unit 101 acquires monetary information related to a reference date for managing money available to a purchaser who is conducting an e-commerce transaction. For example, the acquisition unit 101 identifies a user ID corresponding to the purchaser information. Then, the acquisition unit 101 acquires monetary information linked to the user ID from the monetary information DB 20.

[0036] The candidate designator 102 determines candidate payment periods for electronic commerce based on the financial information acquired by the acquirer 101. The candidate designator 102 may determine at least one of the following day after the income date, the credit card closing date, or the household account book closing date as the candidate payment period. The candidate designator 102 may also determine a day after the income date, the credit card closing date, or the household account book closing date as the candidate payment period.

[0037] The candidate designator 102 may estimate a day during a predetermined period when the balance will increase based on the history of deposits and withdrawals or the history of balance increases and decreases. For example, the candidate designator 102 may estimate a day during a predetermined future period when the balance will be the highest based on the past history. The candidate designator 102 may then determine a day or days after the day when the balance is estimated to be the highest as the candidate payment period.

[0038] The candidate designator 102 may determine a plurality of candidate payment periods based on the income date, the credit card closing date, and the household account book, respectively. Alternatively, the candidate designator 102 may determine the most recent period among the dates based on these as the candidate payment period. Furthermore, it is assumed that the income date, the credit card closing date, and the household account book closing date occur periodically. Therefore, the candidate designator 102 may determine the candidate payment period based on the most recent day or the day in the next cycle following the most recent day among the periodically occurring days.

[0039] The candidates designator 102 may determine candidate payment periods based on financial information corresponding to the payment method selected by the purchaser. In this case, the financial information DB 20 may pre-store the correspondence between the selected payment method and financial information that the candidates designator 102 references to determine candidate payment periods. The acquirer 101 receives the selected payment method from the purchaser terminal 40. Then, it acquires financial information corresponding to the payment method. For example, if debit from a bank account or electronic money balance is selected, the candidates designator 102 may determine, as candidate payment periods, periods when the balance in the bank account or electronic money is high. If payment by credit card is selected, the candidates designator 102 may determine, as candidate payment periods, periods when the available credit card balance is high.

[0040] The candidate designator 102 may also determine candidate payment times based on the time when a benefit is granted to a customer or a discount is applied. The electronic commerce system 30 stores in advance the time when a benefit is granted to a customer or a discount is applied. The candidate designator 102 may then determine, as the candidate payment time, a day that is after the day when the purchaser's available funds increase and corresponds to the time when a benefit is granted to a customer or a discount is applied.

[0041] The display control unit 103 may display candidate payment dates on the purchaser terminal 40 via the e-commerce system 30. In this case, the display control unit 103 outputs the candidate payment dates to the e-commerce system 30. As a result, the display control unit 103 displays the candidate payment dates on the e-commerce procedure screen. For example, as shown in FIG. 7, the display control unit 103 may display the candidate payment dates on an order screen that includes a payment method selection area. In FIG. 7, the purchaser's payday is displayed as a selectable candidate payment date.

[0042] It is possible to appropriately change which procedure screen the display control unit 103 displays the candidate payment periods on. For example, the candidate payment periods may be displayed on the screen of FIG. 5, FIG. 6, or FIG.

[0043] Although the example in which the purchaser selects the payment time has been described, the payment time may be selected automatically. For example, the e-commerce system 30 may proceed with the process so that payment is made at the candidate payment time determined by the candidate designator 102. At this time, the automatically determined payment time is displayed on the purchaser terminal 40.

[0044] 9 is a sequence diagram showing an example of the operation of the transaction support system 110 according to the second embodiment. The process in FIG. 9 may be started in response to pressing the "Proceed to Checkout" button D2 on the screen in FIG. 5 displayed on the purchaser terminal 40 of a purchaser having a specific account ID.

[0045] The electronic commerce system 30 displays an order screen on the purchaser terminal 40 (step S11). For example, the electronic commerce system 30 displays the order screens shown in FIGS.

[0046] The purchaser terminal 40 selects a payment method in response to an operation by the purchaser (step S12). The purchaser terminal 40 then transmits the selected payment method to the e-commerce system 30. The e-commerce system 30 transmits purchaser information identifying the purchaser using the purchaser terminal to the transaction support system 110 (step S13). For example, the e-commerce system 30 transmits the purchaser's account ID as the purchaser information.

[0047] The acquisition unit 101 acquires monetary information related to the reference date for managing money available to the purchaser using the purchaser terminal 40 (step S14). The acquisition unit 101, for example, refers to the monetary information DB 20 to acquire monetary information linked to the purchaser information received from the e-commerce system 30. The candidate designation unit 102 determines candidate payment dates for the e-commerce transaction based on the monetary information acquired by the acquisition unit 101 (step S15).

[0048] The display control unit 103 displays the candidate payment times determined by the candidate designation unit 102 on the purchaser terminal 40 (step S16). For example, the display control unit 103 may output the candidate payment times to the e-commerce system 30, thereby displaying the candidate payment times on the purchaser terminal. In response to receiving the candidate payment times, the e-commerce system 30 updates the order screen on the purchaser terminal 40 (step S17). The purchaser terminal 40 displays the candidate payment times, for example, as shown on the order screen in FIG. 7.

[0049] The purchaser terminal 40 specifies the payment time in response to an operation by the purchaser (step S18). The purchaser terminal 40 then sends an order confirmation request, including the specified payment time, to the e-commerce system 30. For example, when the "Confirm Order" button D3 in FIG. 7 is pressed, the confirmation request is sent. In response to receiving the confirmation request, the e-commerce system 30 confirms the order (step S19). For example, in step S19, the e-commerce system 30 manages the payment so that it is made at the specified payment time.

[0050] 9 is merely an example, and transaction support system 110 may execute step S13 before step S11. For example, transaction support system 110 may obtain monetary information when the purchaser logs in to e-commerce system 30.

[0051] It is troublesome for a purchaser to wait until they have sufficient financial resources to place an e-commerce order. According to the second embodiment, the purchaser can proceed with the e-commerce transaction procedure without waiting until they have sufficient financial resources. As in the first embodiment, the purchaser can be assisted in making payment when they have sufficient financial resources.

[0052] [Third Embodiment] Figure 10 is a block diagram showing an example configuration of a transaction assistance system 120 according to a third embodiment. Transaction assistance system 120 according to the third embodiment differs from the first and second embodiments in that it includes a reception unit 104 and a determination unit 105. Note that transaction assistance system 120 may include reception unit 104 and determination unit 105 as necessary. Regarding transaction assistance system 120, a description of the same configuration as that of transaction assistance system 100 according to the first embodiment and transaction assistance system 110 according to the second embodiment will be omitted.

[0053] The reception unit 104 receives a payment time specification from the purchaser terminal 40. The payment time is the timing at which payment is made. The reception unit 104 transmits the received payment time to the electronic commerce system 30. The electronic commerce system 30 manages the payment so that payment is made according to the received payment time.

[0054] The payment time may be specified by date or time. For example, the payment time may be the order date when the order is placed using the purchaser terminal 40, or a date after the order date.

[0055] The determining unit 105 determines whether the payment period for which designation has been accepted is included in the candidate payment periods determined by the candidate determining unit 102. A payment period that matches a candidate payment period is included in the candidate payment periods.

[0056] If the accepted payment time is not included in the candidate payment times, the accepting unit 104 may accept the specification of the payment time again.

[0057] The display control unit 103 may display an area on the e-commerce transaction procedure screen where an arbitrary payment time can be input. The display control unit 103 may also display a button on the e-commerce transaction procedure screen where an option to make payment immediately can be selected.

[0058] Furthermore, when the accepted payment time is not included in the candidate payment times, the display control unit 103 may cause the buyer terminal 40 to display the candidate payment times. Alternatively, the display control unit 103 may cause the buyer terminal 40 to display the candidate payment times, not only when the accepted payment time is not included in the candidate payment times.

[0059] A long time between an order and payment can cause inconvenience. For example, if a seller accepts an order or ships a product after payment has been made, the product may be sold out before payment is made.

[0060] Therefore, the display control unit 103 may display a candidate payment period if the candidate payment period falls within a predetermined period from the order date. The predetermined period can be set as appropriate, for example, three days to two weeks from the order date. The accepting unit 104 may then accept the candidate payment period displayed when the candidate payment period falls within the predetermined period as the payment period.

[0061] Furthermore, the display control unit 103 may display a suggestion to make payment at the candidate payment time if the candidate payment time falls within a predetermined period. Furthermore, the display control unit 103 may display a suggestion to make payment earlier than the candidate payment time if the candidate payment time falls after the predetermined period. The display control unit 103 may display which payment time is recommended.

[0062] 11 is a flowchart showing an example of the operation of the transaction support system 120 according to the third embodiment. For example, the process of FIG. 11 starts when a process related to payment for an e-commerce transaction is started at the purchaser terminal 40.

[0063] The accepting unit 104 accepts a payment time specification from the purchaser terminal 40 (step S21). The acquiring unit 101 acquires monetary information related to the reference date for managing money available to a purchaser conducting an e-commerce transaction using the purchaser terminal 40 (step S22). The candidate designating unit 102 determines candidate payment times for the e-commerce transaction based on the monetary information acquired by the acquiring unit 101 (step S23). Note that step S21 may be executed after step S22 or step S23.

[0064] The determination unit 105 determines whether the specified payment time is included in the candidate payment times determined by the candidate designation unit 102 (step S24). If it is determined that the specified payment time is included in the candidate payment times (step S24: Yes), the reception unit 104 transmits the specified payment time to the e-commerce system 30 (step S27).

[0065] If it is determined that the accepted payment time is not included in the candidate payment times (step S24: No), the display control unit 103 displays the candidate payment times on the purchaser terminal 40 (step S25). The accepting unit 104 accepts the specified payment time again (step S26). Then, the accepting unit 104 transmits the accepted payment time to the e-commerce system 30 (step S27).

[0066] 12 and 13 are diagrams showing examples of a procedure screen including a button for specifying the payment time. In FIG. 12, the "Buy Now" button D4 can function as a button for specifying the payment time. When button D4 is pressed, the reception unit 104 may receive that immediate payment has been specified. Here, the purchaser's payday two weeks from now can be determined as a candidate payment time.

[0067] In the above example, the payment date accepted by the accepting unit 104 is not included in the candidate payment dates. The display control unit 103 may display the accepted payment date and the determined candidate payment date on the buyer terminal 40. For example, the accepted payment date and the candidate payment dates are displayed selectably on the order details confirmation screen of FIG. 13. In this case, the buyer can determine whether to pay immediately or at the candidate payment date by looking at the candidate payment dates. The accepting unit 104 then transmits the payment date selected on the confirmation screen of FIG. 13 to the e-commerce system 30.

[0068] According to the third embodiment, if the payment period initially specified by the purchaser is not included in the proposed payment periods, the system suggests that the purchaser make the payment at the proposed payment period, thereby helping the purchaser to make the payment at a time when they have financial leeway.

[0069] [Hardware Configuration] In each of the above-described embodiments, each component of the transaction assistance systems 100, 110, and 120 represents a functional block. Some or all of the components of the transaction assistance systems 100, 110, and 120 may be realized by any combination of the computer 500 and a program.

[0070] Fig. 14 is a block diagram showing an example of the hardware configuration of a computer 500. Referring to Fig. 14, the computer 500 includes, for example, a processor 501, a read only memory (ROM) 502, a random access memory (RAM) 503, a program 504, a storage device 505, a drive device 507, a communication interface 508, an input device 509, an input / output interface 511, and a bus 512.

[0071] The processor 501 controls the entire computer 500. The processor 501 may be, for example, a CPU (Central Processing Unit). The number of processors 501 is not particularly limited, and there may be one or more processors 501.

[0072] The program 504 includes instructions for implementing each function of the transaction assistance systems 100, 110, and 120. The program 504 is stored in advance in the ROM 502, the RAM 503, or the storage device 505. The processor 501 executes the instructions included in the program 504 to implement each function of the transaction assistance system 100. For example, the processor 501 of each transaction assistance system 100, 110, or 120 executes the instructions included in the program 504 to implement the function of the transaction assistance system 100. The RAM 503 may also store data to be processed in each function of the transaction assistance systems 100, 110, and 120.

[0073] The drive device 507 reads and writes data from and to the recording medium 506. The communication interface 508 provides an interface with a communication network. The input device 509 is, for example, a mouse or keyboard, and accepts information input from an administrator or the like. The output device 510 is, for example, a display, and outputs (displays) information to an administrator or the like. The input / output interface 511 provides an interface with peripheral devices. The bus 512 connects these hardware components. The program 504 may be supplied to the processor 501 via a communication network, or may be stored in advance on the recording medium 506, read by the drive device 507, and supplied to the processor 501.

[0074] It should be noted that the hardware configuration shown in FIG. 14 is an example, and other components may be added, or some components may not be included.

[0075] There are various variations in the method of realizing the transaction assistance systems 100, 110, and 120. For example, the transaction assistance systems 100, 110, and 120 may be realized by any combination of different computers and programs for each component. Furthermore, multiple components included in the transaction assistance systems 100, 110, and 120 may be realized by any combination of a single computer and program.

[0076] Furthermore, at least a portion of the transaction assistance systems 100, 110, and 120 may be provided in a software as a service (SaaS) format. That is, at least a portion of the functions for realizing the transaction assistance system 100 may be executed by software executed via a network.

[0077] Although the present disclosure has been described above with reference to the embodiments, the present disclosure is not limited to the above embodiments. Various modifications that can be understood by those skilled in the art can be made to the configuration and details of the present disclosure within the scope of the present disclosure. Furthermore, the configurations in the respective embodiments can be combined with each other without departing from the scope of the present disclosure.

[0078] 100, 110, 120 Transaction support system 101 Acquisition unit 102 Candidate determination unit 103 Display control unit 104 Reception unit 104 105 Determination unit 106 Settlement date determination unit 20 Money information DB 30 Electronic commerce system 40 Purchaser terminal

Claims

1. an acquisition means for acquiring monetary information relating to a reference date for managing money available to a purchaser who is conducting an electronic commerce transaction using the terminal; a candidate determination means for determining candidate payment times for the electronic commerce transaction based on the monetary information; a display control means for displaying the candidate payment dates on the terminal; A transaction support system comprising:

2. The candidate determination means determines the candidate payment period based on at least one of the reference dates, which are the day on which the purchaser's income is paid, the day following the closing date of the purchaser's credit card, or the day following the closing date of the purchaser's household account book. The transaction support system according to claim 1 .

3. The display control means displays the proposed payment dates on the procedure screen for the electronic commerce transaction. The transaction support system according to claim 1 .

4. A receiving means for receiving a designation of a payment time from the terminal; a determination means for determining whether the accepted payment time is included in the candidate payment time; Equipped with If the payment time is not included in the proposed payment times, the accepting means accepts the designation of the payment time again. The transaction support system according to any one of claims 1 to 3.

5. The display control means displays the candidate payment dates if the candidate payment dates fall within a predetermined period from the time of order. The transaction support system according to any one of claims 1 to 3.

6. The candidate determination means determines the candidate payment dates based on the monetary information corresponding to the payment method of the purchaser. The transaction support system according to any one of claims 1 to 3.

7. The candidate determination means determines the candidate payment time based on the time when a benefit is given to a customer or a time when a discount is applied. The transaction support system according to any one of claims 1 to 3.

8. Acquires financial information regarding a reference date for managing the money available to a purchaser who is conducting an electronic commerce transaction using the terminal; determining candidate payment dates for the electronic commerce transaction based on the monetary information; Displaying the proposed payment dates on the terminal Transaction support methods.

9. Acquires financial information regarding a reference date for managing the money available to a purchaser who is conducting an electronic commerce transaction using the terminal; determining candidate payment dates for the electronic commerce transaction based on the monetary information; Displaying the proposed payment dates on the terminal A program that causes a computer to perform a process.