JP7757032B2 - Program, information processing method, and information processing device - Google Patents

Description

This disclosure relates to a program, an information processing method, and an information processing device.

Systems that mediate personal sales have been made public for some time on e-commerce platforms such as CtoC (Customer To Customer) marketplaces (see, for example, Patent Document 1).

Japanese Patent Application Laid-Open No. 2001-167163

On conventional e-commerce platforms, sellers receive payment for items they sell only after they have delivered the items to the buyer and the buyer has confirmed receipt. As a result, even if sellers list items in the hopes of receiving payment quickly, it can take a long time before they actually receive payment.

The present disclosure therefore aims to provide an information processing method, program, and information processing device that enable sellers to receive payment promptly on e-commerce platforms.

In an information processing method according to one embodiment of the present disclosure, an information processing device that provides e-commerce services receives a request from a seller to list a product, accepts a purchase of the product, accepts a shipping notice or a receipt notice for the product, and associates at least a portion of the price of the product with the seller during the period from when the listing request is received until when the shipping notice or the receipt notice is received.

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. 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. FIG. 4 is a diagram showing an example of user information stored in a memory of the server 110 according to the first embodiment. FIG. 3 is a diagram showing an example of transaction information stored in a memory of the server 110 according to the first embodiment. FIG. 4 is a diagram showing an example of account information stored in a memory of a user's server 150 according to the first embodiment. FIG. 2 is a diagram for explaining a processing example of the information processing system 1 according to the first embodiment. FIG. 2 is a diagram showing an example of a processing sequence of the information processing system 1 according to the first embodiment. FIG. 10 is a diagram for explaining a processing example of the information processing system 1 according to the second embodiment. FIG. 10 is a diagram showing an example of a processing sequence of the information processing system 1 according to the second embodiment.

<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.

The following describes embodiments of the information processing method, program, and information processing device disclosed herein, with reference to the drawings.

<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.

If there is no need to distinguish between server 110A and server 110B, server 110A and server 110B may each be referred to as server 110. Note that there is no limit to the number of servers 110 connected to network 130.

If there is no need to distinguish between terminal 120A, terminal 120B, and terminal 120C, terminal 120A, terminal 120B, and terminal 120C may each be referred to as terminal 120. Note that there is no limit to the number of terminals 120 connected to network 130.

Servers 110, 150 provide predetermined services to terminals 120 used by users via 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. Servers 110, 150 may provide one or more predetermined services individually, or multiple servers may provide one or more predetermined services. By servers 110, 150 providing predetermined services to one or more terminals 120, users can use the predetermined services via terminals 120.

Where necessary, the terminal used by user X will be referred to as terminal 120X, and information associated with a user in a specified service that is associated with user X or terminal 120X will be referred to as user information X. User information can include, by way of example and without limitation, information associated with the user, such as the user's name, user 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 specified service, balance information for electronic value (electronic money) associated with the user, credit card information (such as a credit card number) associated with the user, etc.

Network 130 connects two or more servers 110, 150 or two or more terminals 120. Network 130 provides a connection path so that terminal 120 can send and receive data after connecting to servers 110, 150.

One or more portions of network 130 may be a wired network or a wireless network. Network 130 may be, by way of example and not 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 (registered trademark), satellite communications, or any combination thereof. Network 130 may include one or more networks 130.

Servers 110, 150 and terminal 120 may be any information processing device that can implement the processes, functions or methods described in this disclosure.

The servers 110, 150 and the 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 or 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 combinations of these.

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

The server 110 has a processor 111, memory 112, 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 interconnected via a bus B, for example and not by way of limitation.

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 transmitter/receiver 117.

Processor 111 executes processes, functions, or methods implemented by code or instructions contained in a program stored in storage 113. 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. The processes, functions, or methods disclosed in each embodiment may be implemented by logic circuits (hardware) or dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSIs (Large Scale Integration)), etc. These circuits may also be implemented by one or more integrated circuits, and multiple processes described in each embodiment may be implemented by a single integrated circuit. LSIs may also be referred to as VLSIs, super LSIs, ultra LSIs, etc., depending on their level of integration.

Memory 112 temporarily stores program 1121 loaded from storage 113 and provides a working area for processor 111. Memory 112 also temporarily stores various data generated while processor 111 is executing the program. Memory 112 may be, for example, but is not limited to, RAM (Random Access Memory), ROM (Read Only Memory), etc., or a combination of these. Storage 113 stores programs and various data. Storage 113 may be, for example, but is not limited to, HDD (Hard Disk Drive), SSD (Solid State Drive), flash memory, etc., or a combination of these.

The input/output I/F 114 is connected to an input device 115, which inputs various operations to the server 110, and an output device 116, which outputs the processing results processed by the server 110.

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

The output device 116 may be any type of device, or a combination thereof, capable of outputting the processing results of the processor 111 via the input/output I/F 114. When the processing results are output as video or video images, the output device 116 may be any type of device, or a combination thereof, capable of displaying display data written to a frame buffer. Examples of the output device 116 include, but are not limited to, a touch panel, a touch display, a monitor (including, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), 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, etc., or a combination of these. These output devices may also be capable of displaying display data in 3D.

Note that the input device 115 and the output device 116 may be integrated, or the input device 115 and the output device 116 may be separate.

The transmitting/receiving unit 117 transmits and receives various data via the network 130. This 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 the 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 it to the processor 111.

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

The terminal 120 has a processor 121, memory 122, storage 123, input/output I/F 124, input device 125, output device 126, transmitter/receiver 127, and reader 128. The hardware components of the terminal 120 are interconnected via a bus B, by way of example and not limitation.

The terminal 120 realizes the processes, 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, transmitter/receiver 127, and reader 128.

Processor 121 executes processes, functions, or methods implemented by code or instructions contained in a program stored in storage 123. 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. The processes, functions, or methods disclosed in each embodiment may be implemented by logic circuits (hardware) or dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSIs (Large Scale Integration)), etc. These circuits may be implemented by one or more integrated circuits, and multiple processes described in each embodiment may be implemented by a single integrated circuit. LSIs may also be referred to as VLSIs, super LSIs, ultra LSIs, etc., depending on their level of integration.

Memory 122 temporarily stores program 1221 loaded from storage 123 and provides a working area for processor 121. Memory 122 also temporarily stores various data generated while processor 121 is executing program 1221. Memory 122 may be, for example and without limitation, RAM (Random Access Memory), ROM (Read Only Memory), etc., or a combination of these.

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

The input/output I/F 124 is connected to an input device 125, which inputs various operations to the terminal 120, and an output device 126, which outputs the processing results processed by the terminal 120.

The input device 125 may be any type of device, or a combination thereof, that can accept input from a user and transmit information related to that input to the processor 121. Examples of input devices include, but are not limited to, hardware keys such as a touch panel, touch display, or keyboard, a pointing device such as a mouse, a camera (for inputting operations via images), or a microphone (for inputting operations via voice), and these may also be combined.

The output device 126 may be any type of device capable of outputting the results of processing by the processor 121, or a combination thereof. When the results of processing are output as video or video images, the output device may be any type of device capable of displaying the display data written to the frame buffer, or a combination thereof. Examples of output devices include, but are not limited to, touch panels, touch displays, monitors (including, but not limited to, liquid crystal displays and organic electroluminescence displays (ELDs)), head-mounted displays (HMDs), projection mapping, holograms, devices capable of displaying images, text information, etc. in air (or even in a vacuum), speakers (audio output), printers, etc., or combinations of these. These output devices may also be capable of displaying display data in 3D.

Note that the input device 125 and the output device 126 may be integrated, or the input device 125 and the output device 126 may be separate. Note that the input device 125 and the output device 126 do not necessarily have to be provided in the server 110.

The transmitting/receiving unit 127 transmits and receives various data via the network 130. This 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 the 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 it to the processor 121.

(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.

Server 150 has a processor 151, memory 152, storage 153, input/output I/F 154, input device 155, output device 156, transmitter/receiver 157, and reader 158. The hardware components of server 150 are interconnected via bus B, by way of example and not limitation.

The server 150 realizes the processes, 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, transmission/reception unit 157, and reading unit 158.

Processor 151 executes processes, functions, or methods implemented by code or instructions contained in a program stored in storage 153. 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. The processes, functions, or methods disclosed in each embodiment may be implemented by logic circuits (hardware) or dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSIs (Large Scale Integration)), etc. These circuits may be implemented by one or more integrated circuits, and multiple processes described in each embodiment may be implemented by a single integrated circuit. LSIs may also be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on their level of integration.

Memory 152 temporarily stores program 1521 loaded from storage 153 and provides a working area for processor 151. Memory 152 also temporarily stores various data generated while processor 151 is executing program 1521. Memory 152 may be, for example and without limitation, RAM (Random Access Memory), ROM (Read Only Memory), etc., or a combination of these.

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

The input/output I/F 154 is connected to an input device 155, which inputs various operations to the terminal 120, and an output device 156, which outputs the processing results processed by the server 150.

The input device 155 may be any type of device, or a combination thereof, that can accept input from a user and transmit information related to that input to the processor 151. Examples of input devices include, but are not limited to, hardware keys such as a touch panel, touch display, or keyboard, a pointing device such as a mouse, a camera (for inputting operations via images), or a microphone (for inputting operations via voice), and these may also be combined.

The output device 156 may be any type of device 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 type of device capable of displaying the display data written to the frame buffer, or a combination thereof. Examples of output devices include, but are not limited to, touch panels, touch displays, monitors (including, but not limited to, liquid crystal displays and organic electroluminescence displays (ELDs)), head-mounted displays (HMDs), projection mapping, holograms, devices capable of displaying images, text information, etc. in air (or even in a vacuum), speakers (audio output), printers, etc., or combinations of these. These output devices may also be capable of displaying display data in 3D.

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

The transmitting/receiving unit 157 transmits and receives various data via the network 130. This 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 the 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 it to the processor 151.

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

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

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

The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, but not limited to, field programmable gate arrays (FPGAs), application specific ICs (ASICs)), 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.

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

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

The programs disclosed herein may be implemented using, but are not limited to, scripting languages such as JavaScript (registered trademark), Python, C, Go, Swift, Kotlin, Java (registered trademark), etc.

<Others>
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.

The present disclosure encompasses all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the present disclosure. Furthermore, the appended claims 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.

In addition, any reference 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 encompasses that apparatus, system, or component, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or capable of performing that process, function, or method, regardless of whether the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked.

Unless otherwise expressly stated, this disclosure may require consent from users in advance of or immediately prior to the implementation of any embodiment or example. Furthermore, consent may be obtained on a comprehensive basis or on a case-by-case basis.

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

The first embodiment utilizes a factoring scheme, allowing the seller to receive payment promptly, for example, after a sale of an item has been completed, before receipt of the item has been confirmed, and also has the advantage of not requiring a money lending license.

<Configuration of 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 .

The processes, functions, or methods that can be executed by processor 111 may be realized, to the extent feasible, using machine learning, AI (artificial intelligence), or the like.

The input/output I/F 114 accepts various setting operations, etc. from the operators operating the various services provided by the server 110 via the input device 115 or output device 116.

The transmitter/receiver 117 transmits and receives data to and from the terminal 120, etc., in accordance with instructions from the processor 111. For example, when the user of the terminal 120, etc., is authenticated by the user ID and password included in a login request from the terminal 120, etc., the transmitter/receiver 117 connects a communication session with the terminal 120, etc., using HTTPS, etc. Then, the transmitter/receiver 117 stores the communication address and user ID of the terminal 120, etc., in association with the ID of the connected communication session. Then, the transmitter/receiver 117 transmits data to the terminal 120, etc., using the connected communication session.

In the first embodiment, memory 112 stores the following programs: 1121, user information 1122, transaction information 1123, transaction control module 1124, receivables management module 1125, and data structures, or subsets thereof.

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

User information 1122 includes information about users registered on the e-commerce platform. User information 1122 may also be shared with businesses operating factoring schemes.

Figure 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. "User ID" includes user identification information (user ID: Identifier) that allows the server 110 to uniquely identify the user. "Email address" includes the email address registered by the user. "Name" includes the user's name. "Credit score" includes a score indicating the user's creditworthiness in transactions, calculated according to predetermined criteria. "Transaction evaluation" includes an evaluation value assessed by the counterparty in a buying/selling transaction. "Asset value" includes the total value of the prices of items owned by the user or registered on the e-commerce platform. The prices of items may be calculated at a predetermined time based on the transaction history on the e-commerce platform. For example, if the representative price of items traded in month N is higher than the representative price of items traded in month N-1, the price of the items calculated for month N may be higher than the price of the items calculated for month N-1.

Figure 4 shows an example of transaction information 1123 according to the first embodiment. "Seller ID" includes the user ID of the seller user. "Product Name" includes a description of the product, and "Description" includes a description of the product. "Amount" includes the selling price of the product. Note that "Product Name," "Description," and "Amount" are included in the product listing information, and other information may also be included in the listing information. "Listing Time" includes the time the product was listed. "Status" includes the status of the e-commerce transaction. Examples of status include "In Transaction," which indicates that a transaction is currently underway, "In Negotiation," which indicates that negotiations are underway with the buyer user, and "Completed," which indicates that the product has been sold. "Buyer ID" includes the user ID of the user who purchased the product. "FS (Factoring Scheme) Consent" includes data indicating whether or not the user has agreed to the factoring scheme. Note that consent to the factoring scheme may be obtained in advance or each time a transaction occurs.

Returning to FIG. 1, the transaction control module 1124 stored in memory 112 is executed by the processor 1111 to control buying and selling transactions on the e-commerce platform. For example, the transaction control module 1124 controls user registration, listing processing, buying and selling transaction processing, evaluation processing, and electronic value management processing on the e-commerce platform.

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.

The transmission/reception unit 117 receives a request from a seller (e.g., user A) to list a product, sent from the terminal 120A used by the seller. The received listing request is stored in memory 112 in association with the user ID, etc. The transaction control module 1124 executed by the processor 111 obtains this listing request from the transmission/reception unit 117 or memory 112.

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

The transmission/reception unit 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 memory 112 in association with each user ID, etc. The transaction control module 1124 accepts this shipping notification or receipt notification from the transmission/reception unit 117 or memory 112.

The receivables management module 1125 executed by the processor 111 performs a process to associate at least a portion of the product price with the seller between receiving a listing request and accepting a shipping notice or receipt notice. For example, if 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 the "second business operator") other than the operator of the e-commerce platform (hereinafter also referred to as the "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 association process may involve, for example, sending seller information 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 on 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 listing fee from the price.

Furthermore, if 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 servers 110 and 150, and server 110 will associate at least a portion of the product price with the seller, allowing server 150 to execute a payment to the seller (for example, a process of adding at least a portion of the price to the seller's account balance). 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.

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

The receivables management module 1125 may also change the payment recipient from the seller's account to the account of another business (who will pay at least part of the payment). For example, normally, the payment would be made to the seller's account after notification of receipt of the product, but by using a factoring scheme, the second business has already paid at least part 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.

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 is above a certain value - Transaction rating (number or percentage of ratings that are Good, including Good/Bad) is above a certain value - Asset value in the inventory is above a certain amount - Number of account suspensions (violations of terms) is below a certain value - Past compensation amount is below 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)

In addition, the receivables management module 1125 may allow the user seller to use the factoring scheme and perform the above-mentioned association process if the parameters related to the seller's transaction information satisfy at least one of the following conditions.
The total amount of cancelled transactions is less than or equal to a specified amount. The cancellation rate for purchases or listings is less than or equal to a specified amount. The number of times a factoring scheme has been used within a specified period (the number of times at least a portion of the payment has been received in advance) is greater than or equal to a specified amount. The amount of money spent on a factoring scheme within a specified period (the total amount of money at least a portion of the payment has been received in advance) is greater than or equal to a specified amount.

In addition, the receivables 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, the larger the value of the above parameters related to user information or transaction information.

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 in a specific 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)

The above process allows for flexible application of factoring schemes using each parameter, making it possible to apply them to appropriate sellers or items of appropriate value.

Furthermore, after performing the above-mentioned matching process, the receivables management module 1125 may reduce the first fee for matching 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 subsequent sellers who have once applied for a factoring scheme.

This process gives sellers an incentive to use factoring schemes to list their products, helping to promote product distribution.

Furthermore, the receivables management module 1125 may include, when reducing the first fee or the second fee, changing the first fee or the second fee depending on the number of times the matching process is performed. For example, the receivables management module 1125 may increase the amount of reduction in the factoring fee (first fee) or the listing fee (second fee) or reduce the fee the more times the factoring scheme is applied.

This process provides sellers with an incentive to use the factoring scheme to increase the number of times they list items, thereby contributing to promoting product distribution.

Furthermore, when a sales transaction for a product is canceled, the receivables management module 1125 may determine whether to execute a process to refund at least a portion of the price of the product being sold, depending on the cause of the cancellation. For example, if a sales transaction is canceled after at least a portion of the price has been paid to the seller by the second business, the receivables management module 1125 will determine whether the cancellation was caused by the seller or the buyer.

If the cancellation is due to 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 will not take any special action regarding at least a portion of the payment.

In addition, if the cause of the cancellation is the seller (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 receivables management module 1125 executes the process of deducting the sales proceeds described above, and manages the difference (amount paid - sales proceeds) as a receivable, 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 receivables management module 1125 notifies the seller by email or the like to bill the seller for the difference or the full amount.

This process makes it possible to properly process the portion of the payment that was made in advance, even if the sales transaction is canceled.

The receivables management module 1125 may further perform a process of requesting payment from the purchaser if the purchaser of the product does not pay the price. For example, if for some reason the balance in the purchaser's account does not exceed the price, the receivables management module 1125 performs a process of requesting payment. For example, the receivables management module 1125 may notify the purchaser by email or the like to request the difference or the full amount.

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

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

For example, if the second price is higher than the first price, the debt management module 1125 executes a process to pay 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 associate at least a portion of the difference with the seller and store it as a loan to the seller. In this case, the loan may be recovered by adjusting the amount obtained by deducting the difference from the sales proceeds and associating it with the seller's account (adding it to the balance of the seller's account) when the seller's next sale is completed.

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 listed item changes.

The receivables management module 1125 may also 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 conjunction 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.

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

In addition, in order to maintain the seller's motivation to complete the transaction to the end, the receivables 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. In addition, the receivables management module 1125 may execute a process to change the predetermined percentage so that it is larger when a parameter of the user information or transaction information satisfies a predetermined condition. In addition, the receivables management module 1125 may execute a process to change the predetermined percentage so that it is larger the larger the parameter value.

The receivables management module 1125 may also execute a process that allows a larger amount of an item for which a factoring scheme can be used, the shorter the period between a seller's previous listing and delivery. The receivables management module 1125 may also execute a process that allows a larger amount of at least a portion of the payment to be received using a factoring scheme, the shorter the period between a 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.

In addition, one or more processors 111 read and execute each module from memory 112 as needed. For example, one or more processors 111 may execute a transaction control module 1124 and a receivables management module 1125 to constitute a transaction control unit and a receivables management unit, respectively.

(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 .

The processes, functions, or methods executed by processor 121 may be realized, to the extent feasible, using machine learning, AI (artificial intelligence), or the like.

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

The transmission/reception 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 transmission/reception unit 127 connects a communication session with the server 110 using HTTPS, etc. Then, it stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, it transmits data to the server 110 using the connected communication session.

Processor 121 performs processing to utilize specified services provided by server 110.

In one embodiment, memory 122 stores the following programs 1221, modules and data structures, or a subset thereof:

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

The transaction processing module 1222 performs processing to conduct product buying and selling transactions on the e-commerce platform. For example, the transaction processing module 1222 performs processing to list and purchase products on the e-commerce platform.

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, the display of a screen for confirming the use of a factoring scheme, and the display of a screen for purchasing a product.

The one or more processors 121 read and execute each module from the memory 122 as needed. 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.

(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 .

The processes, functions, or methods executed by processor 151 may be realized, to the extent feasible, using machine learning, AI (artificial intelligence), or the like.

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

The transmission/reception 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 transmission/reception unit 157 connects a communication session with the server 110 using HTTPS, etc. Then, it stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, it transmits data to the server 110 using the connected communication session.

Processor 151 performs processing to utilize specified services provided by server 110.

In one embodiment, memory 152 stores the following programs 1521, modules and data structures, or a subset thereof:

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

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

Figure 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, an entity that operates and manages an e-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.

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

Once a user has entered their bank account information within the application provided by the payment service provider, associated their user ID with their bank account, and completed identity verification, they can top up any amount to their account balance. Note that the top-up amount can also be added to a bank account or at a convenience store. 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."

Point 1 is a paid point converted from sales revenue for users to conduct transactions on the e-commerce platform before connecting to the bank, and an expiration date may be set for Point 1. The expiration date may be six months, for example. Point 1 can be withdrawn from sales revenue after connecting to the bank, so there is no need to convert it into Point 1 and hold it. Therefore, Point 1 held before connecting to the bank will gradually decrease with use.

Point 2 is a free point distributed or granted 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.

Returning to Figure 2, the payment processing module 1523 processes electronic payments. For example, the payment processing module 1523 acquires payment information sent from a terminal at 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, corresponding to the amount, to complete the payment process.

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 perform 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 then transfer the payment after confirming receipt of the product.

When the right to claim the purchase price is transferred, the receivables processing module 1524 obtains 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 listing fee from the payment) with the seller's account, and executes the payment process.

In addition, when a payment is made by a purchaser, the debt processing module 1524 does not associate the payment with the seller's account, but rather associates the payment with the other business's own account and performs payment collection processing.

In addition, once the purchaser has paid the price, the debt processing module 1524 executes the process of paying the listing fee to the first business. For example, the debt processing module 1524 transfers the listing fee to the bank account of the first business, or, if there is an electronic value account, performs the payment process by associating it with that account.

The one or more processors 151 read and execute each module from the memory 152 as needed. 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.

<Processing example of the first embodiment>
An example of a specific processing procedure for transferring rights and paying the price 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.

(1) Suppose a seller uses terminal 120A to list a product on the 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.

In addition, the seller, the first business operator, and the second business operator may agree to use the factoring scheme in advance or on a case-by-case basis, and the purchaser may be notified that a factoring scheme will be used.

(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.

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

(4) Confirmation of receipt and evaluation of purchased item The seller ships the item to the buyer and uses terminal 120A to notify the buyer of the shipment via server 110. Upon receiving the item, the buyer uses terminal 120B to confirm receipt and evaluate the item via server 110.

(5) Receipt of the purchase price by the second business operator, who is the proxy recipient. The receivables management module 1125 of the first business operator's server 110 performs a process to change the recipient, and the purchase price is associated with the second business operator's account and paid.

(6) Listing Fee: The second business operator pays the listing fee to the first business operator upon being granted the right to receive the listing fee on behalf of 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 to that account.

<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 a 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.

(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.

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

(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 make the payment.

(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 executed, and if the seller is eligible, the processing from step S110 onwards is executed.

(Step S110)
The claim management module 1125 of the server 110 executes claim processing. In claim processing, the claim 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 claim management module 1125 notifies the claim processing module 1524 of the server 150 of the seller information and payment information. The claim processing module 1524 changes the payment recipient from the seller's account to its own account.

(Step S112)
The receivables processing module 1524 of the server 150 executes the payment process by adding at least a portion of the price (sales proceeds) (which may be the amount after deducting the commission fee) to the seller's account. Upon completion of the payment process, the receivables processing module 1524 reports the completion of payment to the seller's terminal 120A.

(Step S114)
When the seller ships the product, the seller uses the terminal 120A to perform a shipping process to notify the buyer that the product has been shipped. The shipping process involves sending a shipping notification to the buyer's terminal 120B via the server 110.

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

(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 product.

(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.

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

<<First Example>>
The first embodiment differs from the above-described examples in that the first operator and the second operator can be considered to be the same entity, and therefore the server 110 and the server 150 are the same server.

<<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.

<<Configuration of 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, keeping only what is necessary and deleting what is redundant.

<<Second Example>>
The second example is a case in which the first business operator and the second business operator are in partnership but each manages user accounts separately, and the first business operator notifies the second business operator of the seller's bank transfer information, account information, and payment information.

<<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.

<<Configuration of Second Embodiment>>
The system configuration, server and terminal configurations, etc., according to the second embodiment are basically the same as those according to the first embodiment. The second embodiment 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.

In response to this, when rights processing is performed through the application of 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. This enables the second business operator to pay at least a portion of the payment to the seller.

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

The receivables management module 1125 may also 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.

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.

The second embodiment utilizes a factoring scheme, allowing sellers to receive payment before receipt of the item is confirmed, for example, promptly after the item is listed, and also has the advantage of eliminating the need for a money lending license.

<Configuration of 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.

In the second embodiment, at least a portion of the price is paid to the seller before the sale transaction is completed, but it is possible that the initial first price of the product and the second price of the product at the time the sale is completed may differ. To prepare for this case, the receivables management module 1125 of the server 150 may further perform processing related to the difference between the first price and the second price when they differ, as in the first embodiment.

For example, if the second price is higher than the first price, the debt management module 1125 executes a process to pay 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. In this case, the loan is adjusted by, for example, associating the amount obtained by deducting at least a portion of the difference from the sales proceeds with the seller's account when the seller's next sale is completed.

This process makes it possible to appropriately recover at least a portion of the payment made in advance, even if the price of the listed item changes, based on the changed price.

<Processing example of the second embodiment>
An example of a specific processing procedure for transferring rights and paying the price 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.

(1) Transfer of the right to claim the purchase price The 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 the purchase price to be generated in the future 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.

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

(3) Suppose a purchaser uses terminal 120B to purchase a 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. 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.

(4) Confirmation of receipt and evaluation of purchased item The seller ships the item to the buyer and uses terminal 120A to notify the buyer of the shipment via server 110. Upon receiving the item, the buyer uses terminal 120B to confirm receipt and evaluate the item via server 110.

(5) Receipt of the purchase price by the second business operator, who is the proxy recipient. The receivables management module 1125 of the first business operator's server 110 performs a process to change the recipient, and the purchase price is associated with the second business operator's account and paid.

(6) Listing Fee: The second business operator pays the listing fee to the first business operator upon being granted the right to receive the listing fee on behalf of 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 to that account.

<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, similar to the first embodiment, the second 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.

(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.

(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.

(Step S206)
The claim management module 1125 of the server 110 executes claim processing. In claim processing, the claim 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 claim management module 1125 notifies the claim processing module 1524 of the server 150 of the seller information and payment information. The claim processing module 1524 changes the payment recipient from the seller's account to its own account.

(Step S208)
The receivables processing module 1524 of the server 150 executes the payment process by adding at least a portion of the price (sales proceeds) (which may be the amount after deducting the commission fee) to the seller's account. Upon completion of the payment process, the receivables processing module 1524 reports the completion of payment to the seller's terminal 120A.

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

(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 make the payment.

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

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 server 110 and server 150 are the same server, the transfer of the right to claim the purchase price may be made before the sale is completed. Also, even if the user's account information for the first business operator and the account information for the second business operator are managed separately, the transfer of the right to claim the purchase price may be made before the sale is completed.

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

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...claim management module, 1222...transaction processing module, 1223...display control module, 1523...settlement processing module, 1524...claim processing module

Claims (11)

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 . 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. The information processing method described in claim 1 or 2, wherein the associating is performed when parameters related to the seller's user information or transaction information satisfy predetermined conditions. The information processing method described in any one of claims 1 to 3, wherein the associating is performed when the product belongs to a predetermined category or when the price of the product satisfies a predetermined condition. 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. The information processing method of 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. 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. 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. 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. 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 . 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 .