E-Commerce Settlement System with Upfront Delivery Charges
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Solution Overview
Problem
Conventional electronic commerce systems do not provide users with the delivery charge information until after they enter their delivery destination, and they do not consider the credit level of the seller when calculating settlement amounts, making the purchasing process less convenient and transparent.
Innovation Solution
An information processing method that allows users to select a deferred payment option, where the system identifies the seller and calculates the settlement amount based on product delivery and price information, including the user's credit level, to set an appropriate upper limit for the settlement amount, thereby presenting the delivery charge upfront and ensuring secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If the delivery charge is calculated after the buyer enters delivery destination information, then the seller can determine the accurate delivery cost, but the buyer cannot know the total amount until after entering personal information
Solution Approach 1:
The patent applies preliminary action by calculating and displaying the delivery charge before the buyer completes the purchase process. The system retrieves the buyer's address from stored information and calculates the delivery charge in advance, allowing the buyer to know the total amount before finalizing the purchase. This resolves the contradiction by providing delivery charge information early in the process while still enabling accurate calculation.
2Loss of information
If conventional settlement systems are used, then the transaction process is simple, but the buyer lacks information about the seller's credit level and cannot make informed decisions
Solution Approach 1:
The patent introduces an intermediary information processing system that mediates between the buyer and seller by providing credit level information. The system retrieves and displays the seller's credit level to the buyer during the settlement process, enabling informed decision-making. This intermediary layer adds necessary information functionality while maintaining a relatively simple user interface and transaction flow.
Data Source
AI summary
An information processing method executed by one or more processors included in an information processing apparatus. The method includes obtaining a notice indicating that a deferred payment has been selected for a settlement of a price of a product on a website; identifying a seller to which the settlement is to be made; receiving a request for settlement on an amount of money determined based on information including information on delivery of the product and information on the price of the product; and advancing the settlement in a case where the amount of money is less than or equal to an upper limit of an amount of settlement using the deferred payment allowed for a user.