JP2026010081A - Information processing method, information processing device, and program - Google Patents

Abstract

The present invention provides an electronic commerce platform that takes into account debts that users will pay later.
To provide an information processing method, a program, and an information processing device for notifying a user of a future balance.
The information processing method is a method for processing a user's balance and a confirmed debt and/or a credit balance by an information processing device that provides an electronic commerce platform or that cooperates with the electronic commerce platform.
Alternatively, the system calculates the user's future balance based on the user's debts based on debts that are expected to arise in the future and the amount that will be deposited with the user by the repayment date of at least part of the user's debts, and transmits the calculated future balance to the user's information processing terminal.
[Selected figure] Figure 5

Description

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

Currently, various systems related to electronic commerce and money management are known. For example, Patent Document 1 discloses a billing management system that predicts the accounts receivable balance at the time of closing based on the amount of deliveries scheduled for the remaining period of a transaction period, which is a billing unit, and automatically calculates the billing amount based on that. Also, Patent Document 2 discloses a banking system that acquires account transaction detail data for a specified period and calculates the expected account balance for the specified period based on the transaction detail data and the account's past trends in income and expenditures.

Japanese Patent Application Laid-Open No. 2003-296634 JP 2015-125530 A

In conventional e-commerce platforms, there are systems that allow users to purchase items at a later date rather than paying from their own balance. However, it is difficult for users who use such e-commerce platforms to accurately grasp their balance at a future date when buying and selling products or making deferred payments on purchases.

Therefore, the present disclosure aims to provide an information processing method, program, and information processing device that allow a user to check future balances, taking into account debts that the user will pay at a later date and amounts that are expected to be received in the future.

In an information processing method according to one embodiment of the present disclosure, an information processing device that provides an e-commerce platform or that cooperates with an e-commerce platform calculates a user's future balance based on the user's balance, the user's debts based on confirmed debts and/or debts that are expected to arise in the future, and the amount that will be deposited in the user by the repayment date for at least some of the user's debts, and transmits the calculated future balance to the user's information processing terminal.

1A to 1C are diagrams illustrating an example of a block diagram showing an example of a configuration of an information processing system according to one aspect of the first embodiment, an example of a hardware configuration of a server according to the present disclosure, and an example of a hardware configuration of a terminal according to the present disclosure. FIG. 4 is a diagram showing an example of user information according to the first embodiment. FIG. 3 is a diagram showing an example of purchase history information according to the first embodiment. FIG. 3 is a diagram showing an example of transaction information according to the first embodiment. FIG. 2 is a diagram illustrating an example of a processing sequence of the information processing system according to the first embodiment. FIG. 10 is a diagram for explaining a specific example of a process for calculating a future balance according to the first embodiment. FIG. 2 is a diagram showing an example of a screen display according to the first embodiment; FIG. 10 is a diagram for explaining a specific example of a process for calculating a future balance according to the second embodiment. FIG. 11 is a diagram showing an example of a screen display 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.

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

<System Configuration>
1 discloses a configuration of an information processing system 1 according to an embodiment of the present disclosure. The information processing system 1 includes a server 110A, a server 110B, and a terminal 12 via a network 130.
0A, terminal 120B, and terminal 120C are connected.

If there is no need to distinguish between the server 110A and the server 110B,
Server 10A and server 110B may each be referred to as server 110. Note that the number of servers 110 connected to network 130 is not limited.

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

The server 110 provides predetermined services to the terminal 120 used by the user via the network 130. Examples of predetermined services include, but are not limited to, payment services, financial services, e-commerce services, and SNS (e.g., instant messaging services).
These include services such as social networking services, and content provision services for music, videos, books, etc. The server 110 may provide one or more services independently, or multiple servers may provide one or more services. The server 110 provides a service to one or more terminals 120, allowing users to use the service via the terminal 120.

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

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

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.
Network), Intranet, Extranet, Virtual Private Network (
Virtual Private Network (VPN), Local Area Network (Local Area Network)
network (LAN), Wireless LAN (WLAN), Wide Area Network (W
Area Network (WAN), Wireless WAN (WWAN), Metropolitan Area Network (MAN), part of the Internet, part of the Public Switched Telephone Network (PSTN), mobile phone network, IS
DNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term E
evolution), CDMA (Code Division Multiple Access), Bluetooth
(registered trademark), satellite communication, etc., or a combination thereof. The network 130 may include one or more networks 130.

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

The server 110 and the terminal 120 may be, for example, but not limited to, a smartphone, a mobile phone (
feature phones), computers (including, but not limited to, desktops, laptops, tablets, etc.), server equipment, media computing platforms (including, but not limited to, cable and satellite set-top boxes, digital video recorders, etc.), handheld computing devices (including, but not limited to, PDAs (Personal Digital Assistants)
The device may be a mobile terminal (e.g., a mobile phone), an email client, a wearable device (for example, but not limited to, a glasses-type device, a watch-type device, etc.), another type of computer, or a communication platform, or a combination 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 includes a processor 111, a memory 112, a storage 113, an input/output interface (input/output I/F) 114, an input device 115, an output device 116, and a transmission/reception unit 117. The hardware components of the server 110 are connected to each other via a bus B, for example and not 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 transceiver 117.

The processor 111 executes processes, functions, or methods implemented by codes or instructions included in a program stored in the storage 113. The processor 111 may be, for example and without limitation, one or more central processing units (CPUs), MPUs (Micro Processors), or the like.
ng Unit), GPU (Graphics Processing Unit), microprocessor
r), processor core, multiprocessor, AS
IC (Application-Specific Integrated Circuit), FPGA (Field Programmable Ga
IC (Integrated Circuit) chips, LSI (Large Sc
The processes, functions, or methods disclosed in each embodiment may be realized by a logic circuit (hardware) or dedicated circuit formed in a microcomputer (e.g., a microcomputer integrated circuit (MDI)), etc. Furthermore, these circuits may be realized by one or more integrated circuits, and multiple processes shown in each embodiment may be realized by a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

The memory 112 temporarily stores a program 1121 loaded from the storage 113 and provides a work area for the processor 111.
The memory 112 also temporarily stores various data generated while the program is being executed. The memory 112 may be, for example and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), or the like.
The storage 113 stores programs and various data. The storage 113 may be, but is not limited to, a hard disk drive (HDD).
Hard Disk Drive (SSD), Solid State Drive (SSD), flash memory, etc.
These may be combined.

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

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

The output device 116 is realized by any of all types of devices that can output the processing results processed by the processor 111 via the input/output I/F 114, or a combination thereof. When the processing results are to be output as video or moving images, the output device 116 is
The output device 1 can be realized by any one of or a combination of any type of device that can display the display data written in the frame buffer.
16 may be, for example and without limitation, a touch panel, a touch display, a monitor (for example and without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (which may be a vacuum), a speaker (audio output), a printer, etc., or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

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

The transmitting/receiving unit 117 transmits and receives various data via the network 130. The communication may be performed either by wire or wirelessly, and any communication protocol may be used as long as mutual communication is possible. The transmitting/receiving unit 117 has a function of communicating with other information processing devices via the network 130. The transmitting/receiving unit 117 transmits various data to other information processing devices in accordance with instructions from the processor 111.
The device 17 receives various data transmitted from other information processing devices and transmits the data 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 includes a processor 121, a memory 122, a storage 123, and an input/output I
/F 124, an input device 125, an output device 126, a transmitting/receiving unit 127, and a reading unit 128
The hardware components of the terminal 120 are connected to each other via a bus B, for example and not by way of limitation.

The terminal 120 includes a processor 121, a memory 122, a storage 123, and an input/output I
/F 124, an input device 125, an output device 126, a transmitting/receiving unit 127, and a reading unit 128
In cooperation with, the process, function or method described in this disclosure is realized.

The processor 121 executes processes, functions, or methods implemented by codes or instructions included in a program stored in the storage 123. The processor 121 may be, for example and without limitation, a central processing unit (CPU), a micro processing unit (MPU), a GP,
U (Graphics Processing Unit), microprocessor, processor core, multiprocessor, ASIC (Application Integrated Circuit)
n-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)
The processes, functions, or methods disclosed in each embodiment may be realized by a logic circuit (hardware) or a dedicated circuit formed in a computer, a processor, or the like.
Alternatively, the LSI may be realized by a plurality of integrated circuits, and a plurality of processes shown in each embodiment may be realized by a single integrated circuit.
It is also called Super LSI or Ultra LSI.

The memory 122 temporarily stores a program 1221 loaded from the storage 123 and provides a working area for the processor 121.
The memory 122 also temporarily stores various data generated while the program 1221 is being executed. The memory 122 may be, for example, a RAM (Random Access Memory), a ROM (Read Only Memory), or the like.
Ad Only Memory), etc., and these may be combined.

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

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

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

The output device 126 is realized by any one of all types of devices that can output the processing results processed by the processor 121, or a combination thereof. When the processing results are output as video or moving images, the output device is realized by any one of all types of devices that can display the display data written in the frame buffer, or a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (
Organic Electroluminescence Display), head-mounted display (HMD)
: Head Mounted Display), projection mapping, holograms, devices that can display images and text information in the air (including vacuum), speakers (audio output),
The output device may be a printer or the like, or a combination of these. Note that these output devices may be capable of displaying display data in 3D.

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.

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

(3) 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 server 110 or the terminal 120.

The other information processing device may execute the processing, function, or
In this case, the processor of the other information processing device may implement at least a part of the method.
At least a part of the processing performed by processor 111 or processor 121 may be performed.

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

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), or the like.
DD), magnetic tape, solid state drives (SSD), RAM drives, Secure Digital
This may be a card or drive, any other suitable storage medium, or a combination of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

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

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

The program of the present disclosure may be, but is not limited to, JavaScript (registered trademark), Python, or the like.
It may also be implemented using a scripting language such as 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. The appended claims also encompass all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the claims. Furthermore, the present disclosure encompasses any combination, that a person skilled in the art may make, of one or more features of an embodiment or example in the present disclosure with one or more features of another embodiment or example in the present disclosure.

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

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

First Embodiment
In the first embodiment, an e-commerce platform calculates a future balance of a user's balance based on the balance held by the user, the user's debts based on confirmed debts and/or debts to be incurred in the future, and the amount to be deposited to the user by the repayment date of at least some of the user's debts. In the first embodiment, the e-commerce platform treats the product price that the user decides to pay at a later date as a confirmed debt. Furthermore, when a user browses products on the e-commerce platform, the price of the product being viewed by the user may be treated as a debt to be incurred in the future. Furthermore, if a product has already been sold to another user, all or part of the product price paid to the user by the other user is treated as the amount to be deposited to the user.

The first embodiment has the effect of enabling the e-commerce platform to notify the user of their future balance, taking into account debts to be paid at a later date and amounts expected to be received in the future. Furthermore, since the user can easily grasp how much their future balance will be if they purchase the product they are currently viewing, if they determine that they have a sufficient future balance, this is likely to motivate them to purchase the product they are currently viewing. Therefore, the first embodiment has the effect of encouraging users to purchase products.

<Configuration of First Embodiment>
The configuration of the server 110 and the terminal 120 will be described with reference to FIG.

(1) Server Configuration The server 110 comprises a processor 111, a memory 112, a storage 113, and an input/output I/F.
The computer includes a computer F114, an input device 115, an output device 116, and a transmitting/receiving unit 117.

The processes, functions, or methods that can be executed by the processor 111 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.
The input/output I/F 114 receives various setting operations and the like from the business operators who operate the various services provided by the server 110 via the input device 115 or the output device 116 .

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

The memory 112 stores a program 1121, user information 1122, purchase history information 1123,
It stores transaction information 1124, a balance calculation module 1125, a proposal processing module 1126, a display control module 1127 and data structures, or a subset thereof.

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

The user information 1122 includes information about the user registered with the e-commerce platform and account information. The user information 1122 may also be shared with the payment service provider.

The purchase history information 1123 includes information about products purchased by the user and information about the payment for those products.

Transaction information 1124 includes transaction information of the item (product) on the e-commerce platform.

FIG. 2 shows an example of user information 1122 according to the first embodiment. The user information 1122 manages information about each member user created by the person who operates and manages the electronic commerce platform. "User ID" includes user identification information (user ID: Identifier) for uniquely identifying a user. "Name" includes the user's name. "Balance" includes the electronic money (or electronic value) of the account held by the user.
In other words, the balance is the amount of electronic money the user currently has. The "credit limit" includes the upper limit of the amount that can be used (i.e., the credit limit) when the user selects "pay later" as the payment method when purchasing a product. The "fixed payment setting" includes the monthly payment amount when revolving payment is selected as the payment later.

In this embodiment, the user can select at least one of the following payment methods for later payment: "lump sum deferred payment," in which the price of the product is paid by a specified repayment date; "fixed amount deferred payment (revolving payment)," in which a set amount of the price of the product is paid by the monthly repayment date; and "installment payment," in which the price of the product is divided into installments over a specified period or in a specified amount.

In the example shown in FIG. 2, the balance includes the charge amount, sales (sales proceeds), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount deposited by a user from their own bank account or the like into an account created by a payment service provider. Sales revenue indicates, for example, the profits earned by a user by listing and selling products on an e-commerce platform. Points 1 are, for example, points earned by a user by converting sales revenue, and are points that can be used on the e-commerce platform. Points 2 are, for example, points awarded by another party, such as a payment service provider, and are points that can be used on the e-commerce platform. Note that in the present disclosure, the amount is not limited to the monetary value of legal tender, and may include anything that can be converted into the monetary value of legal tender, such as electronic value such as points, the value of crypto assets, the value of securities, etc. Furthermore, the amount in the present disclosure is not limited to 2
The monetary value and/or value may be a combination (e.g., a sum) of the above. For example, one amount may be calculated by combining at least two of the legal tender value, the point value, and the cryptocurrency value.

The charge amount is calculated when the user enters their bank account information in the application provided by the payment service provider, associates their user ID with their bank account, and completes identity verification.
The account balance can be topped up with any amount. The top-up amount can also be added to a bank account or at a convenience store.

The points 1 are paid points converted from sales revenue for users to use in transactions on the e-commerce platform before the bank connection, and the points 1 may have an expiration date, for example, six months.

Point 2 is a free point distributed or given as a benefit by a payment service provider or the like, and an expiration date may be set for Point 2. The expiration date for Point 2 is the same as that for Point 1.
The expiration date may be set to be shorter than the expiration date of the

FIG. 3 shows an example of the purchase history information 1123 according to the first embodiment.
3 manages the amount of the product purchased by the user on the e-commerce platform, the repayment date (payment due date), the payment method, etc. "User ID" includes user identification information (user ID: Identifier) that allows the server 110 to uniquely identify the user. "Product Name"
"includes the name of the product purchased by the user. "Purchase Date" includes the date or time when the user purchased the product. "Amount" includes the sales price of the product. In the case of fixed-amount deferred payment and installment payments, the amount already paid by the user may be excluded from the "Amount". The sales price is a price including the seller's proposed price (initial listing price), the negotiated price, or the final sales price (the price at which the transaction is completed), etc. "Repayment Date" includes the repayment deadline if the user purchases the product with deferred payment. In the case of a user purchases the product with fixed-amount deferred payment and installment payments, "Repayment Date" includes the next repayment date (the most recent repayment date). "Payment Status" includes information indicating whether the user has paid for the product. In the purchase history information 1123, the "Amount" of a record for a lump-sum deferred payment where "Payment Information" is unpaid may correspond to the user's confirmed debt.

FIG. 4 shows an example of transaction information 1124 according to the first embodiment. The "seller ID" includes the user ID of the seller (seller). The "product name" includes the name of the product. The "price" includes the selling price of the product. The selling price is the price offered by the seller (
The price may include the initial listing price), negotiated price, or final selling price (the price at which the transaction is completed), etc. The "deposit amount" includes the amount deposited to the seller user. In this embodiment, the deposit amount may be the same as the selling price, or may be the selling price excluding various fees and shipping charges. The "sale date" includes the date (or date and time) when the item was sold or the date (or date and time) when the transaction was completed. The "status" includes information indicating the current stage of the transaction in e-commerce. For example, the status may be "awaiting delivery", which indicates that the seller is preparing to ship the item, "delivering", which indicates that the item is being delivered, or "in transit", which indicates that the buyer is checking the status of the item they have received.
"Waiting for buyer evaluation," and "Transaction Completed," which indicates that the buyer and seller users have entered their evaluation results regarding the transaction into the terminal 120 and that the deposit amount has been paid to the seller user, completing the entire transaction process. When the transaction is completed, the purchaser's deposit amount is added to the seller user's balance.

In the electronic commerce platform according to this embodiment, if a predetermined period of time has passed since the transition to the "Waiting for buyer evaluation" process, the "
The status may transition to "Transaction Completed." This is to prevent the transaction from never being completed if the purchaser forgets to enter the evaluation result. The "Purchaser ID" contains the user ID of the user who purchased the product.

Returning to FIG. 1, the balance calculation module 1125 stored in the memory 112
The user's future balance is calculated based on the user's balance managed by 122, the user's debts based on the debts that have been settled and the debts that are expected to occur in the future, and the amount that will be received by the user by the repayment date of at least part of the debts of the user.

Here, the "future balance" refers to the amount that the user will be able to pay in the future (for example, on the repayment date of the debt). For example, if the future balance is 5,000 yen, the user will be able to pay 5,000 yen in the future.
This means that you can pay up to 00 yen (i.e., you can purchase items worth up to 5,000 yen).

The transmitter/receiver 117 transmits the future balance calculated by the balance calculation module 1125 to the user's terminal 120B.

According to the above process, the electronic commerce platform can notify the user of the future balance, taking into consideration the debts that the user will pay later. For example, if the future balance is 5.0
If the display screen of the terminal 120 shows that the total amount is 5,000 yen, the user can
This allows users to know that they can purchase products up to 10,000 yen. This can encourage users to purchase products.

Furthermore, the "confirmed debt" may be the price of a product that the user has already purchased with a lump sum payment on a deferred payment basis, or the price of a product that the user has already purchased with installment payments and/or fixed-amount deferred payment, which are managed in the purchase history information 1123. For example, the balance calculation module 1125 may refer to the purchase history information 1123 and calculate the total amount of the "amount" in the record of the user for which the future balance is to be calculated as the confirmed debt. Furthermore, the balance calculation module 1125 may calculate the "
The "determined debt" may further include interest and/or a predetermined fee for future payments.

Furthermore, the "debt to be incurred in the future" may be the price of the product being viewed by the user on the e-commerce platform managed by the information processing device 110. Furthermore, the "debt to be incurred in the future" may not be the price of the product being viewed by the user itself, but the price after applying any discount coupons the user has. Furthermore, the "debt to be incurred in the future" may be the price of the product being viewed by the user plus interest that will accrue on future payment and/or a predetermined fee for future payment.

According to the above process, when a user is viewing a product, the user can grasp the user's future balance if the product is purchased. For example, if the user is viewing a 1,000 yen product and the screen of the terminal 120 displays that the future balance is 5,000 yen, the user can know that even if the user purchases the product immediately, there is still room for further purchases of products up to 5,000 yen. This makes it possible to encourage users viewing products to purchase the product.

In addition, the repayment date for at least some of the user's debts is the earliest and nearest repayment date, and the balance calculation module 1125 calculating the future balance may include calculating the future balance based on at least one of the balance in hand, the amount of the user's debt to be paid on the nearest repayment date, and the amount to be deposited by the nearest repayment date.

Here, "at least a portion of the user's debts" refers to debts that must be paid by the next repayment date (i.e., the amount to be paid by the nearest repayment date set by the "fixed payment setting") for products purchased by the user on a fixed-amount deferred payment or installment payment, and may also include debts that must be paid by the specified repayment date (i.e., the full amount) for products purchased by the user on a lump-sum deferred payment.

According to the above process, when a user browses a product, the user can grasp the future balance if the user purchases the product and repays the amount due on the next repayment date. For example,
When a user is viewing a product priced at 1,000 yen, if the future balance is 5,000 yen, the terminal 120
When this message is displayed on the screen, the user can know that even if they purchase the product now and pay off their debt on the next payment date, they will still have room to purchase more products up to 5,000 yen. This can encourage users who are viewing products to make a purchase.

Furthermore, the repayment date for at least a portion of the user's debts may be the earliest upcoming repayment date, and the balance calculation module 1125's calculation of the future balance may include calculating the future balance based on the balance in hand, the total amount of the user's debts, and the amount to be received by the latest repayment date. In other words, the balance calculation module 1125 may determine that "at least a portion of the user's debts" includes the full amount of the price of goods purchased by the user on a fixed-rate deferred payment or installment payment basis.

According to the above process, when a user browses a product, the user can grasp the future balance if the user purchases the product and repays the entire amount of the debt to be repaid.
If a user is viewing a product worth 1,000 yen and the screen of terminal 120 displays that the future balance is 3,000 yen, the user can know that even if he purchases the product now and pays off all his debts, he still has room to purchase more products worth up to 3,000 yen. This makes it possible to encourage users viewing products to purchase the product.

Furthermore, the balance calculation module 1125 may determine the amount to be deposited to the user based on the amount of merchandise sold by the user to other users on the e-commerce platform. For example, the balance calculation module 1125 may use the "deposit amount" stored in the transaction information 1124 as the amount to be deposited to the user. In other words, the future balance may be calculated by treating the amount paid by other users for merchandise, minus various fees and shipping charges, as the amount to be deposited to the user. Furthermore, the balance calculation module 112
5 may include at least a portion of periodic deposits (e.g., salary) paid to the user as the amount to be deposited to the user. At least a portion of these periodic deposits may be paid periodically as electronic money from a specified financial institution. In addition, the balance calculation module 1125 may calculate the future balance by treating the value of points awarded to the user and crypto assets acquired by the user as the amount to be deposited to the user.

According to the above process, when a user views a product, the user can grasp the future balance, which includes the cost of the product sold to another user.

Furthermore, the server 10 may calculate the future balance for a product that is being traded with a purchaser and for which the payment has not yet been received by the user, assuming that the payment will be received by the seller user at the latest by a predetermined period of time after the transaction process for the product has transitioned to a predetermined stage (e.g., "waiting for purchaser evaluation"). In this case, the balance calculation module 1125 may calculate the future balance for a product that the user has sold to another user, for which the predetermined period of time after the transaction process has transitioned to a predetermined stage is before the repayment date (e.g., the most recent repayment date) of at least some of the user's debts, as the amount that will be received by the user by the repayment date of at least some of the user's debts.
A future balance may also be calculated.

"At least a portion of the price of the product" may be the full amount paid by other users as the price of the product, or the amount paid by other users as the price of the product minus various fees and shipping charges. Also, the "predetermined stage in the transaction process" may be the stage of "waiting for buyer evaluation" shown in the transaction information 1124. Also, the "predetermined period" may be, for example and without limitation, the period from the stage of "waiting for buyer evaluation" to "when the buyer does not input the evaluation result of the product."
The "predetermined period" may be a period (e.g., two weeks) during which the status is forcibly transitioned to "Transaction Completed." The "predetermined period" may also be the average value of the period from when a user of the e-commerce platform transitions to the "Waiting for Purchaser Evaluation" stage until the user inputs the evaluation results for the product. In other words, the balance calculation module 1125 may include in the calculation of the future balance any amount of the sales price for the product that has not yet been received by the user and that will be received before the repayment date.

According to the above process, the future balance is calculated by adding the price of the goods sold to other users that will be received before the debt repayment date, allowing the user to grasp the future balance more accurately.

Furthermore, the balance calculation module 1125 may add at least a portion of the amount of the items that are being put up for sale by the user and that are estimated to be receivable by the repayment date of at least part of the user's debt to the future balance.
The products that are estimated to be received by the user by the repayment date are the same or similar products that the user has previously listed, or the average time from the start of listing to the sale of the same or similar products that have been traded in the past, and the number of actions from other users regarding the listed products (such as "likes").
For example, the balance calculation module 1125 may calculate the saleability (numerical value) based on the average value over time of similar products, the number of actions, the amount, etc., and estimate that products with a saleability equal to or greater than a threshold value are products for which the money can be deposited by the repayment date.

According to the above process, if a user has an item up for auction, the user can grasp the future balance more accurately.

Furthermore, the calculation of the future balance by the balance calculation module 1125 may include calculating a range of the future balance (e.g., a lower limit and an upper limit of the future balance) based on the user's balance, the user's debt, the amount that will be deposited by the repayment date for at least some of the user's debts, and the amount that may be deposited by the repayment date. Furthermore, the transmission/reception unit 127 transmitting the future balance calculated by the balance calculation module 1125 may include transmitting the calculated range of the future balance (e.g., a lower limit and an upper limit of the future balance) to the terminal 120.

The amount that may be received by the repayment date depends on, for example, the number of items that the user is currently selling.
It may be at least a portion of the amount of goods estimated to be able to be received by the user by the repayment date. Furthermore, the lower limit of the future balance may be a future balance calculated without including the "amount of goods estimated to be able to be received by the user by the repayment date," and the upper limit of the future balance may be a future balance calculated by including the "amount of goods estimated to be able to be received by the user by the repayment date." In other words, the lower limit of the future balance may be a future balance in the event that goods estimated to be able to be received by the user are not sold or the money does not arrive in time for the repayment date, and the upper limit of the future balance may be a future balance in the event that goods estimated to be able to be received by the user arrive in time for the repayment date.

According to the above process, the user can grasp the future balance taking into account the selling price of the item being put up for sale.

Furthermore, when calculating the future balance, the balance calculation module 1125 may further calculate the future balance based on the amount of a credit limit set for the user. For example, the balance calculation module 1125 may calculate the user's future balance based on the user's balance, the user's debts based on confirmed debts and debts to be incurred in the future, the amount to be received by the user by the repayment date of at least some of the user's debts, and the amount of the user's credit limit.

According to the above process, the user's credit limit is included in the future balance, allowing the user to more accurately grasp the amount of merchandise that can be purchased.

Furthermore, the transmitting/receiving unit 127 transmitting the user's future balance may include transmitting the user's future balance and information about the product being viewed by the user to the terminal 120. The information about the product being viewed by the user may include, for example, the price of the product, an image of the product, a description of the product, etc.

According to the above process, the user can simultaneously recognize the product he or she is viewing and his or her future balance, which can increase the user's desire to make a purchase.

The proposal processing module 1126 stored in the memory 112 is a balance calculation module 112
If the user's future balance calculated in 5 is equal to or less than a predetermined amount (e.g., equal to or less than zero (negative)), the e-commerce platform may suggest to the user that the user sell the user's product. The predetermined amount may be set by the user. Here, the suggestion processing module 1126 may suggest to the user that the user sell products that the user previously purchased or owns and that are recorded in the information processing device 110. The suggestion processing module 1126 may also suggest to the user that the user sell products that the user previously purchased on another information processing device (another e-commerce platform) linked to the information processing device 110. The user's future balance will be equal to or less than zero if, for example, the price of the product being viewed by the user is too high, i.e., the price of the product being viewed is higher than the balance in hand + the expected amount to be received minus the amount of the confirmed debt, or if the price of the product being viewed is higher than the balance in hand + the credit limit + the expected amount to be received minus the amount of the confirmed debt.

In addition, when the user's future balance is zero or less, the suggestion processing module 1126 may suggest to the user products that the user has previously purchased and whose average past sales amount on the e-commerce platform is greater than the absolute value of the user's future balance.

According to the above process, even if the future balance is zero or less, the user can recognize that selling the product will make the future balance positive, thereby increasing the user's desire to purchase.

Furthermore, the proposal processing module 1126 may propose a loan to a user if the user's future balance is zero or less.
may propose a loan amount greater than the absolute value of the user's future balance.

According to the above process, the user can recognize that the product he or she is viewing can be purchased by borrowing money, which can increase the user's desire to purchase.

The one or more processors 111 read and execute each module as necessary from the memory 112. For example, the one or more processors 111 may configure a balance calculation unit (calculation unit) and a proposal processing unit by executing the balance calculation module 1125 and the proposal processing module 1126, respectively.

(2) Configuration of the Terminal 120 The terminal 120 includes a processor 121, a memory 122, a storage 123, and an input/output I/O.
/F 124, an input device 125, an output device 126, a transmitting/receiving unit 127, and a reading unit 128
It has the following.

The processes, functions, or methods executed by the processor 121 are, to the extent feasible,
This may be achieved by machine learning or AI (Artificial Intelligence), etc.
The input device 125 accepts various operations from the user of the terminal 120 .

The transmitting/receiving unit 127 transmits and receives data to and from the server 110, etc., in accordance with instructions from the processor 121. For example, when logging in to the server 110, the transmitting/receiving unit 127
The communication session using HTTPS or the like is established with the server 110. The communication address of the server 110 and the like are then stored in association with the ID of the established communication session.
Then, data is transmitted to the server 110 using the connected communication session.

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

In the first embodiment, the memory 122 stores a program 1221, a transaction processing module 1222, and
222, a display control module 1223, and data structures, or a subset thereof.

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

The transaction processing module 1222 executes a process for conducting a transaction of buying and selling a product on the e-commerce platform. For example, the transaction processing module 1222 executes a process for listing a product or purchasing a product on the e-commerce platform.

The display control module 1223 displays screen data related to the e-commerce platform.
The display control module 1223 controls the display on the output device 126. For example, the display control module 1223 controls the display of a screen for listing a product, or 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 execute a transaction processing module 1222 and a display control module 1223, respectively, to execute a transaction processing unit,
A display control unit may be configured.

<Operation Processing of First Embodiment>
The processing of the information processing system 1 according to the embodiment will be described with reference to FIG.
An example of a processing sequence of the information processing system 1 according to the embodiment is shown. In the example shown below, the server 110 is an information processing device that provides an e-commerce platform or cooperates with the e-commerce platform. The terminal 120 may also be referred to as an information processing terminal. The server 110 predicts the balance based on the user's confirmed debts, the amount of the product specified by the user (debts expected to occur in the future), the amount of the user's confirmed debts that will be received by the user by the nearest repayment date (the repayment date for at least some of the user's debts), and the user's credit limit.

(Step S102)
The display control module 1223 of the terminal 120A requests the server 110 for a product viewing screen for the product designated by the user.

(Step S104)
The balance calculation module 1125 of the server 110 obtains the price (auction price) of the specified product from the transaction information 1124, obtains the user's balance and credit limit from the user information 1122, obtains the amount to be deposited in the user by the most recent repayment date from the transaction information 1124, and obtains the user's confirmed debt from the purchase history information 1123.
25 calculates the user's future balance based on the acquired confirmed debt of the user, the amount of the product specified by the user, the amount to be deposited in the user by the latest repayment date, and the user's credit limit.

A specific example will now be described using FIG. 6. FIG. 6 is a diagram for explaining a specific example of the process of calculating a future balance according to the first embodiment. In FIG. 6, it is assumed that, on the electronic commerce platform, for products purchased with lump-sum deferred payment, the product price is to be paid by the end of the month following the month of purchase, and for products purchased with fixed-amount deferred payment, the amount set in the "fixed-amount payment settings" of the user information 1122 (i.e., the monthly payment amount) is to be paid from the month following the month of purchase to the end of each month. For products purchased with installment payments, the set amount is to be paid from the month following the month of purchase to the end of each month. Also,
For purchases made on a fixed deferred payment or installment basis, the full amount will be used to calculate the future balance.

Assume that a user purchases a 500 yen magazine on August 1st with a lump sum payment option, and a 1,000 yen wallet on August 20th with a lump sum payment option. The payment deadline for the magazine and wallet is September 30th. In addition, by selling the bag to another user on August 13th, the payment deadline will be September 30th at the latest.
It is assumed that 2,000 yen is scheduled to be deposited by the 30th of the month. The user's balance is 5,000 yen and the credit limit is 6,000 yen. The user views shirts on August 23rd, and the balance calculation module 1125 calculates the user's future balance on August 23rd.

In this case, the balance calculation module 1125 calculates that the user's future balance will be 9,500 yen (5,000 yen balance + 6,000 yen credit limit - 500 yen (magazine) - 1,000 yen (wallet) + 2,
The calculation is: 1,000 yen (bag sold) - 2,000 yen (shirt viewed).

For fixed-amount payments in arrears and installment payments, only the amount due at the next payment due date may be used to calculate the future balance. For example, if the user's fixed-amount payment setting is 1.00,
In this case, the balance calculation module 1125 may calculate the future balance by assuming that the amount to be paid on the next payment due date (9/30) if the currently viewed shirt is purchased is 1,000 yen in the above calculation formula.
The user's future balance may be calculated to be 10,500 yen.

(Step S106)
5 , if the user's future balance calculated in step S104 is equal to or less than zero, the proposal processing module 1126 of the server 110 generates proposal information for proposing to the user the sale of products purchased in the past by the user and/or the loan of money. If the user's future balance calculated in step S104 is greater than zero, the proposal processing module 1126 of the server 110 does not generate the proposal information.

(Step S108)
The transmitting and receiving unit 117 (transmitting unit) of the server 110 transmits to the terminal 1 the product viewing screen data of the product including the future balance calculated in step S104 and the proposal information generated in step S106.
Send to 20.

<Screen display example>
FIG. 7 is a diagram showing an example of a screen display according to the first embodiment. It is assumed that the user has purchased and sold products at the timing shown in FIG. 6. It is also assumed that the transaction process for the sold bag has transitioned to a status of "waiting for buyer evaluation" on August 23rd.
If the buyer does not rate the item while it is in the "Waiting for buyer rating" status, two weeks after it transitions to the "Waiting for buyer rating" status (on September 6th, two weeks after August 23rd),
The status will be forced to change to "transaction completed" and the sales amount will be credited to the user.

As shown in Figure 7, the product viewing screen displays a product image, the product price, and the future balance (projected balance at the end of the next month) if the product is purchased. The product viewing screen may also include an area that chronologically displays the expected arrival (delivery) date of the product and the payment deadline (settlement date) for the price of the product, if the product displayed on the product viewing screen is purchased with deferred payment. The area may also display the expected date of receipt of funds before the payment deadline (in this case, the proceeds from the sale of the bag will be deposited no later than September 6th).

Please note that the future balance displayed on the screen includes the amount that will be received in the future.
The balance calculation module 1125 may calculate the amount of money that the user can currently use, but does not necessarily indicate the amount that the user can currently use.
The transmitter/receiver 117 may also transmit product viewing screen data including the amount currently available to the user to the terminal 120. The amount currently available to the user may be, for example, the sum of the user's balance and the user's credit limit. As shown in FIG. 7 , the terminal 120 may display the amount currently available (current available amount: 5,500 yen).

<Supplementary Notes Regarding the First Embodiment>
The product viewing screen may be provided with an "Increase Money" button. When the button is pressed, the proposal processing module 1126 may generate proposal information for proposing a loan of money to the user. The generated proposal information may be transmitted to the terminal 120 by the transmitting/receiving unit 117, and the proposal information may be displayed on the product viewing screen.

The user's future balance may be added with an amount that is periodically automatically charged to the electronic money of the electronic commerce platform. For example, the balance calculation module 1125 may further include:
The future balance may be calculated by adding the amount that is scheduled to be automatically charged up until the next repayment date.

Furthermore, the user's future balance may also reflect fixed expenditures. For example, the balance calculation module 1125 may calculate the future balance by further subtracting the amount scheduled to be withdrawn by the nearest repayment date. Fixed expenditures may be calculated by the user through the server 110.
The balance may be registered arbitrarily, or the balance calculation module 1125 may automatically recognize the balance based on the account's deposit and withdrawal history, etc.

The user's future balance may also be calculated based on the remaining credit limit of a third-party service linked to the e-commerce platform, such as a bank account balance or a credit limit on a credit card.

The first embodiment described above may also be applied to a case where a user simultaneously views a plurality of products and simultaneously purchases the plurality of products.

Second Embodiment
In the second embodiment, a user's future balance is calculated and products that can be purchased with the calculated future balance are recommended to the user. In the first embodiment, when a user browses products on the e-commerce platform, the price of the product the user is browsing is calculated as a debt to be incurred in the future. However, in the second embodiment, since the user is not browsing a specific product, the future balance is calculated without taking into account the debt to be incurred in the future.

<Effects of the Second Embodiment>
According to the second embodiment, an effect is obtained in that the e-commerce platform can notify the user of the future balance, taking into consideration debts that the user will pay at a later date, etc. Furthermore, according to the second embodiment, the user can select a product on the e-commerce platform while taking into consideration the future balance, thereby making it possible to encourage the user to purchase a product.

<Configuration of Second Embodiment>
The system configuration, hardware configuration of the information processing device, and functional configuration of the server and terminal according to the second embodiment are the same as those of the first embodiment. In the second embodiment, the balance calculation module 1125 of the server 110 calculates the future balance without taking into account debts that are expected to arise in the future. That is, the balance calculation module 1125 calculates the future balance of the user's balance based on the balance held by the user, the user's debts based on already confirmed debts, and the amount that will be received by the user by the repayment date of at least some of the user's debts.

In addition, the proposal processing module 1126 proposes to the user products that can be purchased with the user's future balance from among the products listed on the e-commerce platform.

The suggestion processing module 1126 may also suggest to the user, among products offered for sale on the e-commerce platform, products that can be purchased with the user's future balance and that are estimated to be of interest to the user based on the user's behavioral history. For example, the suggestion processing module 1126 may suggest to the user products that can be purchased with the user's future balance and that have been viewed within a predetermined period from the time when the balance calculation module 1125 performed the process of calculating the future balance, products for which the "Like" button has been pressed within the predetermined period, and products for which a comment has been made to the seller within the predetermined period. Furthermore, the suggestion processing module 1126 may also suggest to the user products for which the user has viewed the product screen for a predetermined period of time or more.

Through the above process, the recommendation processing module 1126 notifies the user of the future balance and recommended products for purchase. This allows the user to know the products that will be available for purchase in the future, which can encourage the user to make future purchases.

<Operation Processing of Second Embodiment>
An example of a processing sequence of the information processing system according to the second embodiment will be described with reference to FIG.

(Step S102)
The display control module 1223 of the terminal 120A requests the server 110 for a product recommendation screen.

(Step S104)
The balance calculation module 1125 of the server 110 obtains the user's balance and credit limit from the user information 1122, and calculates the amount to be deposited in the user by the nearest repayment date from the transaction information 1122.
4, and the user's settled debt is obtained from the purchase history information 1123.
The balance calculation module 1125 calculates the user's future balance based on the user's confirmed debt acquired, the amount of the product specified by the user, the amount to be deposited with the user by the next repayment date, and the user's credit limit.

A specific example will now be described with reference to FIG. 8. FIG. 8 is a diagram for explaining a specific example of the process of calculating a future balance according to the second embodiment. Note that points that are not particularly mentioned may be the same as those in FIG. 6. A user purchases a magazine for 500 yen on August 1st with a lump sum payment, and then purchases a magazine for 1,000 yen on August 20th.
Assume that a user purchases a wallet worth 2,000 yen with a lump sum payment. The payment deadline for the magazine and wallet is September 30th. Furthermore, the user sells a bag to another user on August 13th, and the 2,000 yen is expected to be deposited by September 30th at the latest. Furthermore, the user's balance is 5,000 yen, and the credit limit is 6,000 yen. Furthermore, the user has a 8
It is assumed that the product recommendation screen is viewed on the 23rd of the month, and the balance calculation module 1125 calculates the user's future balance on August 23rd.

In this case, the balance calculation module 1125 calculates that the user's future balance is 11,500 yen (5,000 yen balance + 6,000 yen credit limit - 500 yen (magazine) - 1,000 yen (wallet) + 2
The calculated total is 1,000 yen (sale of bag).

(Step S106)
Returning to Figure 5, the proposal processing module 1126 of the server 110 extracts products that can be purchased within the user's future balance calculated in step S104 from the products listed on the e-commerce platform, and generates proposal information to propose the extracted products to the user.

(Step S108)
The transmitting/receiving unit 117 of the server 110 transmits to the terminal 120 the product recommendation screen data for the product, including the future balance calculated in step S104 and the recommendation information generated in step S106.

<Screen display example>
9 is a diagram showing an example of a screen display according to the second embodiment. As shown in FIG. 9, the product recommendation screen displays the user's future balance and information about each product that can be purchased within the user's future balance. The information about each product may include, for example, a product image and a product price.

As in the first embodiment, the balance calculation module 1125 may calculate the amount currently available to the user. The transmitter/receiver 117 may transmit product recommendation screen data including the amount currently available to the user to the terminal 120. The amount currently available to the user may be, for example, the sum of the user's balance and the user's credit limit.

<Notes>
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 order of the above-described processing steps can be arbitrarily changed or executed in parallel as long as no contradiction occurs in the processing content. It is also possible to combine the first and second embodiments. That is, the server 110 and the terminal 120 can execute both the processing described in the first embodiment and the processing described in the second embodiment.

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...transmitting/receiving unit, 11
25...balance calculation module, 1226...proposal processing module, 1222...transaction processing module, 1223...display control module

Claims (14)

An information processing device that provides an e-commerce platform or cooperates with an e-commerce platform,
Calculating the user's future balance based on the user's balance, the user's debts based on confirmed debts and/or debts to be incurred in the future, and the amount to be received by the user by the repayment date of at least a portion of the user's debts;
transmitting the calculated future balance to the information processing terminal of the user. The future debt is the price of the product that the user is browsing or recommending to the user to purchase on the e-commerce platform;
The information processing method according to claim 1 . The repayment date of at least a portion of the user's debt is the earliest upcoming repayment date;
3. The information processing method of claim 1 or 2, wherein calculating the future balance includes calculating the future balance based on the balance in possession, the amount of the user's debt to be paid on the nearest repayment date, and the amount to be deposited in the user's account by the nearest repayment date. 4. The information processing method according to claim 1, wherein the amount of money to be deposited to the user is determined based on the amount of goods sold by the user to other users on the electronic commerce platform. An information processing method according to any one of claims 1 to 4, wherein calculating the future balance includes calculating at least a portion of the amount of goods that the user has sold to other users, for which a predetermined period of time has elapsed since the user transitioned to a predetermined stage in the transaction process and which occurs before the repayment date, as the amount to be deposited in the user by the repayment date of at least part of the user's debt. Calculating the future balance includes calculating a range of the future balance based on the user's balance, the user's debts, the amount that will be received by the repayment date of at least some of the user's debts, and the amount that may be received by the repayment date;
6. The information processing method according to claim 1, wherein transmitting the calculated future balance includes transmitting the calculated range of the future balance to the information processing terminal. An information processing method according to any one of claims 1 to 6, wherein calculating the future balance further includes calculating the future balance based on the amount of the credit limit set for the user. The information processing method according to any one of claims 1 to 7, wherein transmitting the future balance includes transmitting the future balance and information relating to a product being viewed by the user. The information processing method according to any one of claims 1 to 8, wherein the information processing device further performs the step of suggesting to the user products that can be purchased with the future balance from among the products on the e-commerce platform. An information processing method according to any one of claims 1 to 9, wherein the information processing device further performs the following: if the future balance is less than a predetermined amount, suggesting to the user that the user sell their product on the e-commerce platform. The information processing method according to claim 10 , wherein proposing to the user the sale of the product includes proposing to the user the sale of a product that the user previously purchased. 12. The information processing method according to claim 1, wherein the information processing device further proposes to lend money to the user if the future balance is equal to or less than a predetermined amount. An information processing device that provides an e-commerce platform or cooperates with an e-commerce platform,
Calculating the user's future balance based on the user's balance, the user's debts based on confirmed debts and/or debts to be incurred in the future, and the amount to be received by the user by the repayment date of at least a portion of the user's debts;
and transmitting the calculated future balance to the user's information processing terminal. An information processing device that provides an electronic commerce platform or cooperates with an electronic commerce platform,
a calculation unit that calculates the user's future balance based on the user's balance, the user's debts based on the debts that have been settled and/or debts that will be incurred in the future, and the amount that will be received by the user by the repayment date of at least a portion of the debts of the user;
a transmitting unit that transmits the calculated future balance to the user's terminal.