JP2023148874A - Information processing method, information processing apparatus and computer program - Google Patents

Abstract

To provide an information processing method, an information processing apparatus and a computer program that accelerate the generation of transaction information and settlement based upon the transaction information.SOLUTION: An information processing method includes processing digital document data which includes: detail specification information for specifying details of service or an article; user identification information on a user of the service or article; a provider identification information on the provider of the service or article; charge information representing the charge for the service or article; and payer identification information for identifying a payer of the charge, settlement of the charge for the service or article being based upon the digital document data. The information processing method includes: extracting the digital document data including undecided information among the detail specification information, user identification information, provider identification information, charge information, and payer identification information; classifying the digital document data including the undecided information based upon the type of the undecided information or properties of settlement-completed information; and selecting and executing, according to the classification, a support method for supporting a decision on the undecided information in the digital document data.SELECTED DRAWING: Figure 13

Description

The present invention relates to an information processing method, an information processing device, and a computer program that facilitate the creation of transaction information necessary for payment of fees for services or products.

Cashless payments for services or products are progressing. However, in existing cashless payments, the person who pays for a service or product is basically the user who enjoys the service or product, and the payment is made at the time of use. In other words, it is realized through a system based on trust in the individual user who enjoys the service or product.

Services such as crowdfunding, which support initiatives in which the cost of services or products are borne by others, are increasing in order to allow users to enjoy them. However, even in these services, the payment phase requires payment to be made using the supporter's individual credit card or the like prior to the start of use of the service or product.

The inventors have developed a system for cashless payments that allows the payer to be separated from the user who enjoys the service or product from the beginning, and further allows the payer to be determined after the service or product is used. We proposed a method for creating transaction information (Patent Document 1, etc.).

Patent No. 6823676

The method proposed in Patent Document 1 allows transaction information to be disclosed by any one of the user of the service or product, the consideration, the content of the service or product, the provider of the service or product, and the payer of the cost of the service or product. You can create it and complete the payment. In order to promote payments using this method, it is necessary to achieve smooth matching until the user, consideration, content, provider, and payer are all determined, and to accumulate a track record of executing payments.

An object of the present invention is to provide an information processing method, an information processing device, and a computer program that facilitate creation of transaction information and payment based on the transaction information.

An information processing method according to an embodiment of the present disclosure includes content specifying information for specifying the content of a service or product, user identification information of a user of the service or product, and provider identification of a provider of the service or product. information, fee information indicating the fee for the service or product, and payer identification information for identifying the payer of the fee, and processing digital form data that is the basis for payment of the fee for the service or product. Then, extract the digital form data including undetermined information among the content identification information, user identification information, provider identification information, fee information, and payer identification information, and determine the type or determination of the undetermined information. classifying the digital form data including the undetermined information based on the attributes of the completed information, and selecting and executing a support method for supporting determination of the undetermined information in the digital form data according to the classification; do.

An information processing device according to an embodiment of the present disclosure includes content identification information for identifying the content of a service or product, user identification information of a user of the service or product, and provider identification of a provider of the service or product. information, fee information indicating the fee for the service or product, and payer identification information for identifying the payer of the fee, and processing digital form data that is the basis for payment of the fee for the service or product. an extraction unit for extracting the digital form data including undetermined information among the content identification information, user identification information, provider identification information, charge information, and payer identification information; and a type of the undetermined information; Alternatively, a classification unit that classifies the digital form data including the undetermined information based on the attributes of the determined information, and selects a method for determining the undetermined information in the digital form data according to the classification. and an execution unit that executes the execution.

A computer program according to an embodiment of the present disclosure provides a computer with content specifying information for specifying the content of a service or product, user identification information of a user of the service or product, and provider of the service or product. a computer program that processes digital form data that is the source of payment for the service or product, including user identification information, charge information indicating the charge for the service or product, and payer identification information for identifying the payer of the charge; The computer extracts the digital form data including undetermined information among the content identification information, user identification information, provider identification information, charge information, and payer identification information, and extracts the undetermined information Classifying the digital form data including the undetermined information based on the type or attribute of the determined information, and selecting a method for determining the undetermined information in the digital form data according to the classification. Execute the process to be executed.

In the information processing method, information processing device, and computer program of the present disclosure, digital form data is classified according to undetermined information, and processing is performed to promote determination using a method according to the classification.

Methods for promoting decision-making may include listing on an auction site, outputting information along with the search results when a search is accepted, or displaying information on candidate users, payers, or providers. It may also be a method of notifying the person concerned.

A method for promoting the decision may be posting on SNS to which keywords accepted in advance are added.

In the information processing method of the present disclosure, digital form data including undetermined information may accept a change in conditions or may accept division in order to facilitate determination.

According to the present disclosure, it is possible to facilitate the determination of undecided items, and to facilitate the creation of transaction information and payment based on the transaction information, using a support method according to the classification.

1 is a schematic diagram of a payment platform of the present disclosure; FIG. FIG. 1 is a block diagram showing the configuration of an information processing device. FIG. 2 is a block diagram showing the configuration of a user terminal device. FIG. 2 is a block diagram showing the configuration of a provider terminal device. It is a block diagram showing the composition of a payer terminal device. It is a figure which shows the example of the content of player DB of service DB. It is a figure which shows the example of the content of the information memorize|stored in a form DB. It is a figure which shows the example of the content of the information memorize|stored in recruitment condition DB. 2 is a flowchart illustrating an example of a procedure for creating a digital form by the information processing device. FIG. 2 is an explanatory diagram showing the state of a digital form when it is issued. 3 is a flowchart illustrating an example of a processing procedure performed by the information processing device. It is an explanatory diagram showing an example of a display of recruitment contents. FIG. 2 is an explanatory diagram showing a state of a digital form before completion. 2 is a flowchart illustrating an example of a procedure for promoting completion of a digital form by an information processing device. It is a flowchart which shows an example of a recruitment processing procedure. It is a flowchart which shows an example of another recruitment processing procedure. It is a flowchart which shows an example of another recruitment processing procedure. It is a flowchart which shows an example of another recruitment processing procedure. It is a flowchart which shows an example of another recruitment processing procedure.

The present disclosure will be specifically described with reference to drawings showing embodiments thereof. In the embodiment below, a payment platform to which the information processing method of the present disclosure is applied will be described.

(First embodiment)
FIG. 1 is a schematic diagram of a payment platform 100 of the present disclosure. The payment platform 100 collects transaction information necessary for payment of fees between a user of a service or product, a provider of the service or product, and a payer who pays the fee necessary for using the service or product. It is a system to create. Hereinafter, if a user, a provider, and a payer are not distinguished, they will be referred to as players of the payment platform 100.

The payment platform 100 includes an information processing device 1 that can be communicatively connected via a network N to a user terminal device 2 used by a user, a provider terminal device 3 used by a provider, and a payer terminal device 4 used by a payer. This is realized by the processing and information provided from the information processing device 1.

The payment platform 100 realizes a system in which a user can actually enjoy a service or a product without cash, and when a fee corresponding to actual usage is determined, the fee is paid from the payer to the provider without any problem. The payment platform 100 uses the digital form DF as transaction information that can be used as the basis for payment.

In the payment platform 100, a digital form DF is generated for each transaction, and a digital ticket is issued with the generated digital form DF and can be used by the user. Users can enjoy services or products cashlessly using digital tickets linked to digital form DF.

The payment platform 100 creates a digital form DF based on any one of the content of the service or product, payer, provider, user, and fee, and gradually determines the remaining information necessary for payment. This guarantees payment of costs to the provider. For example, the digital form DF may be created with only the user determined, the content of the service or product, payer, provider, and fee undetermined, and then decided later. Allows for payment to be made after the decision has been made. In another example, the payment platform 100 allows a digital form DF to be created in a state where only the provider has been determined, and the content of the service or product, the user, the payer, and the fee have not yet been determined.

In the payment platform 100, after a digital form DF is created by any one of the user, provider, payer, content, and cost through the processing of the information processing device 1, the payment platform 100 sends information to the provider who wants to become a user. We match applications that we would like to become and recruitment of payers. Once all users, providers, payers, contents, and costs are determined through matching, the payment platform 100 completes a digital form DF filled with necessary information and confirms that it will serve as the basis for payment in the payment system. Guarantee. The payment system exists inside or outside the payment platform 100, and executes deposits and withdrawals between bank accounts corresponding to each of the provider and payer based on the digital form DF.

In the payment platform 100 in the first embodiment, each player installs a computer program on his or her computer in order to enjoy services or products in a cashless manner, or to enjoy the benefits of reliable deposit and withdrawal of expenses. and enters into a contract with a provider of the payment platform 100. The player receives from the payment platform 100 an account that distinguishes between users, providers, and payers. Due to account distinction, the computers of the user, provider, and payer who use this computer program are respectively the user terminal device 2, the provider terminal device 3, and the payer terminal device 4.

Processing for completing the digital form DF in the payment platform 100 will be described below.

Specifically, the payment platform 100 is a process in the information processing device 1, which is a computer that functions as a server to which a user terminal device 2, a provider terminal device 3, and a payer terminal device 4 can be connected for communication via a network N. realized by

The network N includes a public communication network N1, which is the so-called Internet, and a carrier network N2 that realizes wireless communication according to a predetermined mobile communication standard. The public communication network N1 includes an access point AP. The carrier network N2 includes a base station BS. The user terminal device 2, the provider terminal device 3, and the payer terminal device 4 can each be communicably connected to the information processing device 1 via the public communication network N1 or the carrier network N2. The payer terminal device 4 may be able to communicate with the information processing device 1 via a dedicated line.

FIG. 2 is a block diagram showing the configuration of the information processing device 1. As shown in FIG. Although the information processing device 1 will be described as one server computer in the following description, functions or processing may be distributed among a plurality of server computers.

The information processing device 1 includes a processing section 10, a storage section 11, a communication section 12, and an input/output section 13. The processing unit 10 is a processor using a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), and controls each component using built-in RAM (Random Access Memory) and ROM (Read Only Memory). Execute processing. The processing unit 10 executes information processing such as matching of users, providers, payers, contents, and costs, which will be described later, based on the information processing program P1 stored in the storage unit 11.

The storage unit 11 uses a hard disk or an SSD (Solid State Drive). The storage unit 11 stores the information processing program P1, and also stores other programs and data that the processing unit 10 refers to.

The communication unit 12 realizes communication on the public communication network N1 or the carrier network N2. The processing unit 10 is capable of transmitting and receiving data between the user terminal device 2, the provider terminal device 3, and the payer terminal device 4 via the public communication network N1 or the carrier network N2 by the communication unit 12.

The input/output unit 13 is a connection interface with a service DB (Data Base) 101 that stores various information regarding the payment platform 100. The service DB 101 may be constructed within the storage unit 11. The service DB 101 includes a player DB 102, a form DB 103, and a recruitment condition DB 104. Details of the service DB 101 will be described later.

FIG. 3 is a block diagram showing the configuration of the user terminal device 2. As shown in FIG. The user terminal device 2 is a computer that has a communication function such as a smartphone and is always carried by the user. The user terminal device 2 includes a processing section 20, a storage section 21, a communication section 22, a display section 23, an operation section 24, a reading section 25, and a position information acquisition section 26.

The processing unit 20 is a processor using a CPU or GPU. The processing unit 20 uses built-in memories such as ROM and RAM to control each component and execute processing. The processing unit 20 may be configured as one piece of hardware (SOC: System On a Chip) that integrates a processor, a memory, a storage unit 21, and a communication unit 22. The processing unit 20 displays information related to the use of a service, which will be described later, that can be communicatively connected to the information processing device 1 based on the terminal application program P2 stored in the storage unit 21, and accepts operations.

The storage unit 21 uses a nonvolatile storage medium such as a flash memory, and stores programs and data referred to by the processing unit 20, including the terminal application program P2. The storage unit 21 stores account information including a player ID that identifies a player on the payment platform 100. Account information stored in the user terminal device 2 is differentiated by user.

The processing unit 20 displays a graphical interface for the user on the display unit 23 based on the distinction (user) of the account information corresponding to the player ID in the storage unit 21 and the terminal application program P2, and displays the user application. Data is exchanged with the information processing device 1 as a controller.

The communication unit 22 is a communication device that realizes communication with the information processing apparatus 1 via the public communication network N1 or the carrier network N2. The communication device may be a wired or wireless communication device. The communication unit 22 is, for example, a wireless communication device compatible with WiFi (registered trademark).

The display unit 23 uses a display device such as a liquid crystal panel or an organic EL display. The operation unit 24 is an interface that accepts user operations, and uses physical buttons, a keyboard, a pointing device, a touch panel device with a built-in display, a speaker, a microphone, and the like. The operation unit 24 may accept operations on the screen displayed on the display unit 23 using physical buttons or a touch panel, or may recognize operation details from input audio using a microphone and interact with audio output from a speaker. The operation may be accepted in the format.

The reading unit 25 is a reader that reads a code such as a player ID. The reading unit 25 is at least one of a barcode reader, a camera, and a wireless tag reader. The reading unit 25 may include any of them, and may selectively use any one of them depending on the presentation mode of the code to read the code.

The location information acquisition unit 26 is a device that acquires location information of the user terminal device 2. The location information acquisition unit 26 may use a GPS (Global Positioning System) receiving device, or a device that specifies location information using WiFi of the communication unit 22.

FIG. 4 is a block diagram showing the configuration of the provider terminal device 3. As shown in FIG. The provider terminal device 3 uses a computer having a communication function, such as a tablet terminal. The provider terminal device 3 used by support staff, managers, accountants, etc., rather than the staff who actually provide the service, is a desktop or laptop personal computer.

The provider terminal device 3 includes a processing section 30, a storage section 31, a communication section 32, a display section 33, an operation section 34, and a reading section 35.

The processing unit 30 is a processor using a CPU or GPU, and uses a built-in memory such as a ROM or RAM to control each component and execute processing. The processing unit 30 is capable of communication connection with the information processing device 1 based on the terminal application program P3 stored in the storage unit 31, displays information related to service provision, and accepts operations.

The storage unit 31 uses a nonvolatile storage medium such as a hard disk, SSD, or flash memory, and stores programs and data referred to by the processing unit 30, including the terminal application program P3. The storage unit 31 stores account information including a player ID that is distinguished by a service provider. The storage unit 31 may store information that individually identifies the provider's staff.

The processing unit 30 causes the display unit 33 to display a graphical interface for the provider based on the distinction (provider) of the account information corresponding to the player ID stored in the storage unit 31 and the terminal application program P3. As an application for users, data is exchanged with the information processing device 1.

The communication unit 32 is a communication device that realizes communication with the information processing apparatus 1 via the public communication network N1 or the carrier network N2. The communication device may be a wired or wireless communication device. The communication unit 32 is, for example, a wireless communication device compatible with WiFi.

The display unit 33 uses a display device such as a liquid crystal panel or an organic EL display. The operation unit 34 is an interface that accepts operations from a provider, and uses physical buttons, a keyboard, a pointing device, a touch panel device with a built-in display, a speaker, a microphone, and the like. The operation unit 24 may accept operations on the screen displayed on the display unit 33 using physical buttons or a touch panel, or may recognize operation details from input audio using a microphone and interact with the audio output from a speaker. The operation may be accepted in the format.

The reading unit 35 is a reader that reads information from other devices. The reading unit 35 may be a barcode reader or a camera. The reading unit 35 may be an interface connected to other devices (cash register terminal, meter) for calculating service fees. The fee may be input using the operation unit 34.

In preparation for using the payment platform 100, the provider terminal device 3 stores the player ID itself or the player ID in order to make it easier for the reader 25 of the user terminal device 2 to read the information that identifies the provider (player ID). It is best to obtain coded data associated with the ID. The player ID itself or coded data linked to the player ID may be obtained by application from the provider terminal device 3 to the information processing device 1, or the provider terminal device 3 may act as a provider to the payment platform. 100, the provider terminal device 3 may obtain what is issued by the information processing device 1.

FIG. 5 is a block diagram showing the configuration of the payer terminal device 4. As shown in FIG. The payer terminal device 4 is used by the accounting department or administrator of a company or organization that is a payer, or another user who is a sponsor. The payer terminal device 4 may be a personal computer or a server computer, or may be a tablet terminal, a smartphone, etc. that is individually managed by a staff member or another user.

The payer terminal device 4 includes a processing section 40, a storage section 41, a communication section 42, a display section 43, and an operation section 44.

The processing unit 40 is a processor using a CPU or GPU, and uses a built-in memory such as a ROM or RAM to control each component and execute processing. The processing unit 40 is capable of communication connection with the information processing device 1 based on the terminal application program P4 stored in the storage unit 41, displays information related to service provision, and accepts operations.

The storage unit 41 uses a nonvolatile storage medium such as a hard disk, SSD, or flash memory, and stores programs and data referred to by the processing unit 40, including the terminal application program P4. The storage unit 41 stores account information including a player ID that is identified as a payer.

The processing unit 40 displays a graphical interface for the payer on the display unit 43 based on the distinction (payer) of the account information corresponding to the player ID stored in the storage unit 41 and the terminal application program P4, and makes the payment. As an application for users, data is exchanged with the information processing device 1.

The communication unit 42 is a communication device that realizes communication with the information processing apparatus 1 via the public communication network N1 or the carrier network N2. The communication device may be a wired or wireless communication device. The communication unit 42 is, for example, a wireless communication device compatible with WiFi.

The display unit 43 uses a display device such as a liquid crystal panel or an organic EL display. The operation unit 44 is an interface that accepts user operations, and uses physical buttons, a keyboard, a pointing device, a touch panel device with a built-in display, a speaker, a microphone, and the like. The operation unit 24 may accept operations on the screen displayed on the display unit 33 using physical buttons or a touch panel, or may recognize operation details from input audio using a microphone and interact with the audio output from a speaker. The operation may be accepted in the format.

The service DB 101 that is input and output by the information processing device 1 will be explained with reference to an example of its contents. The service DB 101 includes a player DB 102 for identifying players and storing attributes, etc., a form DB 103, and a recruitment condition DB 104.

FIG. 6 is a diagram showing an example of the contents of the player DB 102 of the service DB 101. The player DB 102 stores attributes such as player type and player name in association with player IDs. The type of player is at least one of a user, a provider, and a payer. There may be multiple types. The same player may be assigned different player IDs depending on the type. The player attributes stored in the player DB 102 include contact information such as a phone number, email address, and SNS (Social Network Service) account.

The player DB 102 stores payment information, such as the player's bank account for withdrawal or deposit, and card information when the player's personal credit card is the payment method, in association with the player ID.

The player DB 102 stores data identifying the type of business in association with the player ID to which the type of provider is assigned. If the player has not been issued an account as a provider, this information may not be stored.

The player DB 102 may store the player ID of the player who is the default payer in association with the player ID to which the user type is assigned. For example, the player ID issued to the accounting department of the organization (company) to which the individual belongs is stored in association with the player ID of the individual, and if the use of expenses is approved, the accounting department It may be set to automatically become the payer.

The account information including the player ID may be issued individually by the player who is the user by the payment platform 100, or may be issued in groups according to the number of users by the organization to which the player belongs.

Avatars may be set in association with player IDs so that players can conduct transactions within the metaverse. The player ID of the user type may be associated with data for outputting an avatar similar to a general user, and may be editable from the user terminal device 2 . Editable avatar data corresponding to the provider's industry is associated with the provider's player ID, and similarly, editable avatar data for the payer is associated with the payer's player ID. Good.

FIG. 7 is a diagram showing an example of the content of information stored in the form DB 103. The form DB 103 stores created digital forms DF. The digital form DF contains transaction ID, issue date and time, use start date and time, use end date and time, purpose of use, name of service or product used, detailed content, amount, user's player ID (user ID), service or product. It includes the player ID of the providing provider (provider ID) and the player ID of the payer (payer ID). If the cost is shared by multiple payers (which may include the user himself) for one use, multiple player IDs may be included. An example of the contents of the form DB 103 shown in FIG. 7 is a digital form DF (transaction ID: F0023819900010) for which a service or product has already been provided, and a digital form DF for which only the user has been determined but the service or product has not yet been provided. It also includes a digital form DF (transaction ID: F0023820058850) for which the service provider has not been determined.

The digital form DF is issued using any one of the player ID of the user, the player ID of the provider providing the service or product, the player ID of the payer, the amount, and the name (details) of the service or product used. It is possible. The digital form DF is completed sequentially in accordance with the progress of service provision, as will be described later. The digital form DF allows the information necessary for payment to be finalized after the service is completed.

FIG. 8 is a diagram showing an example of the content of information stored in the recruitment condition DB 104. The recruitment conditions DB 104 stores the contents of recruitment conditions included in requests from the user terminal device 2, provider terminal device 3, or payer terminal device 4 sent to the information processing device 1, and requests from the information processing device 1 itself. Remember. The recruitment conditions include content of conditions such as fee conditions, location, period, number of people, etc., in association with the recruitment ID for identifying the recruitment and the transaction ID of the issued digital form DF. When the recruitment ends, the recruitment conditions are deleted by the information processing device 1.

In the payment platform 100 configured in this way, the information processing device 1 completes the digital form DF while transmitting and receiving data between the user terminal device 2, the provider terminal device 3, and the payer terminal device 4. Execute the process to complete the payment. First, the processing at the stage of creating the digital form DF will be explained, and then the processing by the information processing device 1 for promoting the completion of the created digital form DF will be explained.

FIG. 9 is a flowchart illustrating an example of a procedure for creating a digital form DF by the information processing device 1. The information processing device 1 sequentially executes the following processing steps.

The processing unit 10 receives a recruitment request with recruitment conditions specifying at least one of the user, provider, payer, service or product content, and amount (step S101). In step S101, the processing unit 10 may accept a recruitment request specifying the player ID of the user from the user terminal device 2, or may accept a recruitment request specifying the player ID of the provider from the provider terminal device 3. Good too. The processing unit 10 may receive a recruitment request specifying the payer's player ID from the payer terminal device 4.

The processing unit 10 may accept a recruitment request that specifies only the content of the service or product and is issued by processing within the information processing device 1, or similarly accepts a recruitment request from within that specifies only the amount. It's okay. In this case, the information processing device 1 may create a recruitment request using the market stimulation function on the payment platform 100 based on a demand forecast based on the past performance of digital form DF.

In step S101, the processing unit 10 may receive a recruitment request specifying the user's player ID and the content of the service or product from the user terminal device 2, or may further accept a recruitment request specifying the amount of money from the user terminal device 2. It may be accepted from Similarly, the processing unit 10 may receive a recruitment request specifying the content of the service or product, the provider's player ID, and the payer's player ID from the provider terminal device 3 or the payer terminal device 4.

The processing unit 10 assigns a transaction ID according to the received recruitment request, and creates a digital form DF (step S102). The digital form DF is created by including the transaction ID, and at least one of the following: player ID of the requesting user, player ID of the provider, player ID of the payer, content of the service or product, and amount. be done. After being stored in the form DB 103 as a digital form DF, the digital form DF can be searched and viewed from the information processing device 1 itself, the user terminal device 2, the provider terminal device 3, and the payer terminal device 4.

The processing unit 10 stores the recruitment conditions included in the received recruitment request in the recruitment condition DB 104 in association with the recruitment ID (step S103). In step S103, the processing unit 10 displays the recruitment conditions, service or product field, conditions, period, requests, etc. on the user terminal device 2, provider terminal device 3, or payer terminal device 4 on the operation screen. I hope you accept it. In step S103, the processing unit 10 may receive recruitment conditions as well as keywords for search at the time of recruitment. This will promote searches from users, payers, and providers who apply.

The processing unit 10 stores in the recruitment condition DB 104 a contact for inquiries regarding changes to the recruitment conditions in association with the recruitment conditions (step S104). In step S104, the processing unit 10 stores the user terminal device 2, provider terminal device 3, or payer terminal device 4 that is the source of the recruitment request as the inquiry destination. In addition, if the recruitment request is from the information processing device 1 itself, the processing unit 10 inquires about the contact information and the process (instance) that performs the function of changing recruitment conditions based on a predetermined algorithm by the information processing device 1 itself. You can also use it first.

According to the processing procedure shown in the flowchart of FIG. 9, an incomplete digital form DF is stored in the form DB10DB103. FIG. 10 is an explanatory diagram showing the state of the digital form DF at the time of filing. As shown in Figures 10A, B, C, D, E, and F, the digital form DF includes items necessary for payment or expense processing: (1) information that identifies the transaction (transaction ID); Information (items) indicating the content of the service or product, (3) Fee, (4) Provider of the service or product (payee), (5) User of the service or product, (6) Payer of the fee. , (2) to (5) are determined and issued. In FIGS. 10A, B, C, D, E, and F, filled items are shown in bold bold frames, and undecided items are shown in thin frames.

In FIG. 10A, the digital form DF is created with only the user (5) defined. For example, a user uses the user terminal device 2 to submit a recruitment request with the request (recruitment condition) that "I would like to leave Tokyo Station within about 30 minutes and arrive at Haneda Airport by 2:00 p.m." When transmitted to the processing device 1, a digital form DF as shown in FIG. 10A is created.

In FIG. 10B, the digital form DF is created with only the payer (6) specified. For example, a payer uses the payer terminal device 4 to recruit users with the request (recruitment condition) that ``Since our company will provide funds, we would like you to experience the services in the education field and then answer a questionnaire.'' When a person sends a recruitment request to the information processing device 1 requesting to specify a desired provider, a digital form DF as shown in FIG. 10B is created.

In FIG. 10C, the digital form DF is created with only the provider (4) specified. For example, a provider uses the provider terminal device 3 to send a recruitment request with a request (recruitment condition) that "we will provide a service at a special rate on the condition that you share your experiences on SNS as PR." When transmitted to the information processing device 1, a digital form DF as shown in FIG. 10C is created.

In FIG. 10D, the digital form DF is created with only the service or product (2) defined. For example, when the information processing device 1 itself discovers needs and issues a recruitment request according to the popularity of a service or product, a digital form DF as shown in FIG. 10D is created. For example, the administrator of the information processing device 1 wants to conduct an "ideathon" for a predetermined period of time, but with the conditions that he will recruit facilitators and their plans, and recruit payers and users according to the plans. When a recruitment request with the content "Ideathon" is sent to the information processing device 1, a digital form DF as shown in FIG. 10D is also created.

In FIG. 10E, the digital form DF is created with only the fee (amount) in (3) determined. For example, the processing of the information processing device 1 itself, or the administrator of the information processing device 1 (the administrator of the payment platform 100) launches a plan that presents an amount, and later the payer, the service or product using that amount, Furthermore, when a recruitment request is issued to determine the provider, a digital form DF as shown in FIG. 10E is created. In this way, the payment platform 100 also allows the issuance of a digital form DF that stimulates the need for only the "amount" to be fixed.

In addition, the digital form DF may be created by specifying the content of the service or product (2) and the provider (4), as shown in FIG. 10F. For example, a provider uses the provider terminal device 3 to send a crowdfunding-like recruitment request to the information processing device 1 to recruit payers and users, saying, "We want you to invest in and try using our new service." When transmitted, a digital form DF as shown in FIG. 10F is created.

In addition, various patterns may exist at each point in time, such as a digital form DF that is pending only for the user, a digital form DF that is pending only for the payer, and a digital form DF that is pending only for the provider.

In this way, creation of digital form DF is allowed in various variations. Then, when the digital form DF is issued as described above, the digital ticket based on each digital form DF is put up for sale in the digital ticket market, and the user terminal device 2, the provider terminal device 3, and the payment User terminal device 4 can search and view information such as user ID, provider ID, payer ID, service content, amount, etc.

The information processing device 1 of the payment platform 100 recruits at least one of users, providers, and payers based on the digital form DF as shown in FIGS. 10A to 10F, and collects at least one of the digital form DF. Complete it little by little.

FIG. 11 is a flowchart illustrating an example of a processing procedure by the information processing device 1. When the user terminal device 2 starts the terminal application program P2, the provider terminal device 3 starts the terminal application program P3, and the payer terminal device 4 starts the terminal application program P4, the information processing device 1 executes the following in response. Execute the process.

When the user terminal device 2, the provider terminal device 3, and the payer terminal device 4 start their respective terminal application programs P2, P3, and P4, they process account information including the player ID associated with each terminal device. Send to device 1. That is, when a user, provider, or payer starts the terminal application program P2, P3, or P4 and logs in (sends account information), the information processing device 1 executes the following process.

The processing unit 10 receives the account information (step S111), and extracts a completed digital form DF that meets the recruitment conditions based on the type and attribute of the player ID included in the account information (step S112).

The processing unit 10 notifies the user terminal device 2, provider terminal device 3, or payer terminal device 4 corresponding to the account information received in step S111 of the contents of the digital form DF recruitment extracted in step S112. (Step S113).

The processing unit 10 receives a search request that includes a search keyword (step S114), and extracts a created digital form DF whose recruitment condition matches the search keyword included in the search request (step S115).

The processing unit 10 notifies the user terminal device 2, provider terminal device 3, or payer terminal device 4 corresponding to the account information received in step S111 of the content of the digital form DF recruitment extracted in step S115. (Step S116).

The processing unit 10 receives the application in response to the notification of the recruitment content (step S117), and transmits the application content to the user terminal device 2, provider terminal device 3, or payer terminal of the inquiry destination corresponding to the target recruitment content. The device 4 is notified (step S118). The processing unit 10 receives the selection of the user, provider or payer, service or product, or fee from the inquiry destination from among the applications (step S119). The selection from among the applications in steps S118 and S119 may be automatically performed using a predetermined selection algorithm of the information processing device 1.

The processing unit 10 determines the selected user, provider or payer, service or product, or fee (step S120). The processing unit 10 adds the determined items (user, provider or payer, service or product, or fee) to the digital form DF (step S121), and ends the process.

FIG. 12 is an explanatory diagram showing a display example of recruitment contents. FIG. 12 is a display example of the main screen 230 displayed on the display unit 23 when the user logs in using the user terminal device 2, for example. In FIG. 12, the player ID and attributes (name and organization name) of the logged-in user are displayed. The main screen 230 includes a list of menus 231 corresponding to available services preset by the user among the services affiliated with the payment platform 100. In the example of FIG. 12, the list on the main screen 230 includes a menu 231 corresponding to a service for searching for a taxi, a service for searching for accommodation, and a service for searching for an event. The main screen 230 in FIG. 12 displays thumbnails 232 of digital tickets recommended based on the digital form DF corresponding to the user's attributes.

The user can also send a request to create a digital form DF to the information processing device 1. The user can receive a notification of recommended digital tickets, as shown in FIG. 12. The user can receive notification of a digital ticket based on the digital form DF that matches his/her request, purpose, and attributes based on the result of selecting a menu and executing a search for a digital ticket based on the digital form DF.

When the user selects these notified digital tickets, the processes of S117 to S120 of the processing procedure shown in the flowchart of FIG. 11 are executed. As a result, undecided items in the digital form DF are determined and completed.

FIG. 13 is an explanatory diagram showing the state of the digital form DF before completion. As shown in Figures 13A, B, C, and D, the digital form DF includes items necessary for payment or expense processing: (1) information that identifies the transaction (transaction ID); (2) information about the provided service or product; (2) Information indicating the content (item), (3) Fee, (4) Provider of the service or product (Payee), (5) User of the service or product, (6) Payer of the fee. -(5) is filled in any order. In FIGS. 13A, B, C, and D, filled items are shown in bold bold frames, and undecided items are shown in thin frames.

In the digital form DF of FIG. 13A, the user (5) and the amount (3) are not determined. For example, the payer in (6) and the provider in (4) come forward as sponsors for the digital form DF created by the information processing device 1 itself specifying the content of the service or product in (2). After that, it is assumed that the user in (5) and the amount in (3) have not been determined.

In the digital form DF of FIG. 13B, only the user (5) has not been determined. After the content of the service or product in (2) is decided by the provider himself/herself, the payer in (6) as a sponsor for the digital form DF issued by the request from the provider in (4). It is assumed that if the amount specified in 3) is solicited and the user is selected, only the users in (5) have not yet been determined.

In the digital form DF of FIG. 13C, only the provider (4) has not been determined. The content of the service or product in (2), the budget (fee) in (3), and the payer (the user himself or the organization's accounting department) in (6) are specified by the request from the user in (5). It is assumed that the provider of (5) has not been determined for the digital form DF that has been submitted and issued.

In the digital form DF of FIG. 13D, only the payer (6) is not determined. The provider in (4) comes forward for the digital form DF created with the budget in (3) specified by the information processing device 1 itself, and the content of the service or product (2) related to the business field is determined. , After the user in (5) has been selected based on the application, it is assumed that only the payer in (6) has not been determined.

Next, the information processing device 1 performs processing to promote completion of the incomplete digital form DF as shown in FIGS. 13A to 13D.

FIG. 14 is a flowchart illustrating an example of a procedure for promoting completion of the digital form DF by the information processing device 1. The information processing device 1 executes the following processing periodically or in response to an event such as a search being performed.

The processing unit 10 of the information processing device 1 refers to the form DB 103 and recruitment condition DB 104 and extracts an incomplete digital form DF (step S201).

The processing unit 10 classifies the digital form DF extracted in step S201 according to the type of missing item (step S202). The processing unit 10 executes a recruitment process for players who can become users, providers, or payers by means according to the type of missing items for the incomplete digital form DF after classification (step S203).

Among the digital forms DF extracted in step S201, the digital forms DF are classified according to the attributes of the items that have already been determined (step S204). The processing unit 10 executes recruitment processing for players who can become users, providers, or payers by means according to the attributes of the determined items on the incomplete digital form DF after classification (step S205), the process ends.

FIG. 15 is a flowchart illustrating an example of a recruitment processing procedure. The processing procedure shown in the flowchart of FIG. 15 corresponds to the details of the processing in step S203 that is executed when the missing items are the user (5) and the amount (3).

The processing unit 10 performs the following process on digital forms DF whose users and amounts are undecided among the incomplete digital forms DF extracted in step S201.

The processing unit 10 puts up a digital ticket based on the extracted digital form DF on an affiliated auction site (step S301). In step S301, the processing unit 10 puts the digital ticket up for sale not only on an auction site but also on a web-based service that recruits users, such as a crowdfunding site, solicits users, and allows the determined users to decide the price. Good too.

In step S301, the processing unit 10 may select a market with many users or a market with high activity level and exhibit the pending digital form DF on a different auction site depending on the field of service or product to be provided. . For example, the information processing device 1 puts up a digital form DF whose provider is a business related to travel and whose user is undecided on an affiliated auction site for travel. Similarly, the information processing device 1 puts up a digital form DF whose provider is a theater-related business and whose user is undecided on an affiliated auction site for theaters.

The processing unit 10 extracts digital tickets that are pending for a predetermined first period or longer from among the digital tickets that have already been put up for sale on the affiliated auction site (step S302). The processing unit 10 posts a link to the auction site on the SNS using the search keyword registered in the recruitment condition DB 104 based on the transaction ID of the original digital form DF (step S303).

The processing unit 10 extracts digital tickets that are pending for a second period or longer, which is longer than the predetermined first period, from among the digital tickets that have already been put up for sale on the affiliated auction site (step S304). The processing unit 10 temporarily suspends the listing of the digital tickets that have been outstanding for the second period or more extracted in step S304 on the auction site (step S305). The processing unit 10 sends a consultation notice of condition change to the contact registered in the recruitment condition DB 104 based on the transaction ID of the digital form DF that is the source of the digital ticket extracted in step S304 (step S306 ). The consultation notification may include, for example, the content of the inquiry at the auction site and be transmitted.

If there is no digital ticket that is pending for the first period or more in step S302, that is, if there is no digital ticket that is pending for the second period or more in step S304, the processing unit 10 skips steps S303 to S306.

If the conditions are changed as a result of sending the consultation notification in step S306, for example, the processing unit 10 receives a condition change request from the provider terminal device 3 (step S307), and updates the target digital form DF itself or The recruitment conditions in the corresponding recruitment condition DB 104 are changed (step S308).

In step S308, the processing unit 10 may change the contents of the conditions in the recruitment condition DB 104 corresponding to the digital form DF, or may perform a process of dividing the digital form DF. In the case of splitting, the information processing device 1 may create a digital form DF with a new transaction ID that is the pre-split transaction ID plus a branch number.

In accordance with the change in the digital form DF, the processing unit 10 changes the conditions at the affiliated auction site (step S309), restarts the listing (step S310), and ends the recruitment process.

FIG. 16 is a flowchart showing an example of another recruitment processing procedure. The processing procedure shown in the flowchart of FIG. 16 corresponds to the details of the processing in step S203 that is executed when the missing item is of the type (5), that is, only the user.

The processing unit 10 selects one digital form DF that is pending only by the user (step S321). The processing unit 10 extracts the player ID of the user who matches the recruitment conditions for the selected digital form DF (step S322). The processing unit 10 sends a push notification (advertisement) of the recruitment content for the digital form DF to the user terminal device 2 used by the extracted player ID (step S323).

In step S322, the processing unit 10 also refers to the player DB 102 and the digital form DF after payment from the form DB 103, and based on the user's usage history and attributes, the user prefers a digital ticket based on the pending digital form DF. It is also possible to extract and target users who are easy to use and notify them.

In step S323, the processing unit 10 may cause the avatar of the player ID of the corresponding provider to have an announcement conversation toward the avatar of the extracted player ID in the metaverse space.

The processing unit 10 determines whether only the user has selected all pending digital forms DF (step S324). If it is determined that not all have been selected (S324: NO), the processing unit 10 returns the process to step S321.

If it is determined in step S324 that all have been selected (S324: YES), the processing unit 10 ends the recruitment process for the digital form DF for which only the user is undecided.

FIG. 17 is a flowchart showing an example of another recruitment processing procedure. The processing procedure shown in the flowchart of FIG. 17 corresponds to the details of the processing in step S203 that is executed when the missing item is of the type (6), ie, only the payer.

The processing unit 10 selects one digital form DF for which only the payer is pending (step S331). The processing unit 10 extracts the player ID of the payer who matches the recruitment conditions for the selected digital form DF (step S332). The processing unit 10 sends a push notification (advertisement) of the recruitment content for the digital form DF to the payer terminal device 4 used by the payer with the extracted player ID (step S333).

In step S333, the processing unit 10 may select the field of service or product determined by the digital form DF based on the payer's track record or the attributes stored in the payer's player DB 102. You may choose accordingly.

The processing unit 10 determines whether or not the currently selected digital form DF remains unresolved for a predetermined third period or longer (step S334). If it is determined that the pending state continues for a predetermined third period or longer (S334: YES), the processing unit 10 inquires about changing the recruitment conditions corresponding to the selected digital form DF from the recruitment conditions DB 104. The destination is read out (step S335). The processing unit 10 transmits a consultation notification of a change in conditions, such as a proposal for division, to the read inquiry destination (step S336).

If the conditions are changed as a result of sending the consultation notification in step S336, the processing unit 10 receives a condition change request from the user terminal device 2, for example (step S337), and changes the target digital form DF. (Step S338), the process advances to step S339.

If it is determined that the undecided state has not continued for a predetermined third period or longer (S334: NO), the processing unit 10 directly advances the process to step S339.

The processing unit 10 determines whether only the payer has selected all pending digital forms DF (step S339). If it is determined that not all have been selected (S339: NO), the processing unit 10 returns the process to step S331.

If it is determined that all have been selected in step S339 (S339: YES), the processing unit 10 ends the recruitment process for the digital form DF for which only the payer is pending.

FIG. 18 is a flowchart showing an example of another recruitment processing procedure. The processing procedure shown in the flowchart of FIG. 18 corresponds to the details of the processing in step S203 that is executed when the missing item is of the type (4), that is, only the provider.

The processing unit 10 selects one digital form DF that is pending only by the provider (step S341). The processing unit 10 extracts player IDs of provider candidates that match the recruitment conditions for the selected digital form DF (step S342). The processing unit 10 sends a push notification (advertisement) of the recruitment content for the digital form DF to the provider terminal device 3 used by the provider of the extracted player ID (step S343).

In step S343, the processing unit 10 may select the service or product field determined in the digital form DF based on the provider's track record or the attributes stored in the player DB 102 of the provider. It is preferable that the candidate be extracted and selected as a candidate.

The processing unit 10 determines whether or not the currently selected digital form DF remains in an unresolved state for a predetermined fourth period or more (step S344). If it is determined that the undecided state continues for a predetermined fourth period or longer (S344: YES), the processing unit 10 inquires about change of the recruitment conditions corresponding to the selected digital form DF from the recruitment conditions DB 104. The destination is read out (step S345). The processing unit 10 transmits a consultation notification of a change in conditions, such as a proposal for division, to the read inquiry destination (step S346).

If the conditions are changed as a result of sending the consultation notification in step S346, the processing unit 10 receives a condition change request from the user terminal device 2, for example (step S347), and changes the target digital form DF. (Step S348), the process advances to step S349.

If it is determined that the undecided state has not continued for a predetermined fourth period or longer (S344: NO), the processing unit 10 directly advances the process to step S349.

The processing unit 10 determines whether only the provider has selected all pending digital forms DF (step S349). If it is determined that not all have been selected (S349: NO), the processing unit 10 returns the process to step S341.

If it is determined in step S349 that all have been selected (S349: YES), the processing unit 10 ends the recruitment process for the digital form DF for which only the provider is pending.

For processes other than those shown in the flowcharts of FIGS. 15 to 18, the processing unit 10 executes recruitment processing as follows, for example.

The processing unit 10 sends a message to the terminal, firstly to the provider and secondly to the payer and the user, for the digital form DF that is undecided even after the completion of provision of the amount, service or product. It is preferable to send the information using application programs P2, P3, and P4. If the decision is pending before the provision of the service or product is completed, the information processing device 1 does not need to particularly perform promotion processing.

The processing unit 10 sends a message to the provider, prompting the payer and the user to decide on the amount, via the terminal application programs P2, P3, and P4, for the digital form DF for which the content of the service or product is pending. You may.

In this way, the payment platform 100 promotes the completion of the digital form DF by using different methods according to the classification of the incomplete digital form DF through the processing of the information processing device 1.

FIG. 19 is a flowchart showing an example of another recruitment processing procedure. The processing procedure shown in the flowchart of FIG. 19 corresponds to the details of the process in step S205 of the process shown in the flowchart of FIG. In FIG. 19, among the determined items, when (2) the content of the service or product has been determined, a recruitment processing procedure according to the attribute is executed.

The processing unit 10 detects that the content of the determined service or product has been searched for using the search menu included in the application programs P2, P3, and P4 for the terminals of users, providers, and payers (step S501). . In step S501, the processing unit 10 may sequentially acquire search menu selections, text inputs to the search menus, etc., execute processing to return search results, and detect this at that time.

When the processing unit 10 performs a search, the processing unit 10 determines that (2) the content of the service or product has been determined, but there are undetermined items of other users, providers, or payers based on the digital form DF in the search results. A digital ticket is also presented (step S502), and the recruitment process ends.

When an application is made for the digital ticket presented in step S502, the processing unit 10 directly adds items corresponding to the target user, provider, or payer from the application to the digital form. It is a good idea to add it to DF.

In step S501, the processing unit 10 uses the scheduler program, for example, as the search menu of the user's terminal application program P2 or as another application program to cooperate with, if it exists. When the date and time of a business trip, departure point, departure location, etc. are input as search words into the scheduler, the processing unit 10 extracts the digital form DF pending by the user with the transportation-related business operator as the provider, and outputs it as a search result. It's good to do that.

In this way, the information processing device 1 executes the process of promoting the completion of the digital form DF for which any item is pending, using any means such as other application programs such as search or services such as auction sites. do.

The embodiments disclosed above are illustrative in all respects and are not restrictive. The scope of the present invention is indicated by the claims, and includes all changes within the meaning and range equivalent to the claims.

1 Information processing device 10 Processing unit 11 Storage unit 101 Service DB
2 User terminal device

Claims (9)

Content identification information for specifying the content of the service or product, user identification information of the user of the service or product, provider identification information of the provider of the service or product, fee information indicating the fee for the service or product , an information processing method for processing digital form data that includes payer identification information that identifies the payer of the fee and is the source of payment for the fee for the service or product,
Extracting the digital form data including undetermined information among the content identification information, user identification information, provider identification information, charge information, and payer identification information;
classifying the digital form data including the undetermined information based on the type of undetermined information or the attribute of determined information;
An information processing method that selects and executes a support method for supporting determination of undetermined information in the digital form data according to classification. The information processing method according to claim 1, wherein the support method is to put the undetermined information on an auction site that solicits the information. The support method is the use of a search program that accepts searches and outputs search results,
The information processing method according to claim 1, further comprising outputting information regarding the digital form data when a search word regarding the determined information is input. The information processing method according to claim 1, wherein the support method is a method of notifying a user, payer, or provider based on the undetermined information. When accepting a request for the digital form data specifying any of the content identification information, user identification information, provider identification information, fee information, and payer identification information, accepting registration of related keywords;
The information processing method according to claim 1, wherein the support method is posting on SNS specifying the related keyword. When accepting a request for the digital form data specifying any of the content specifying information, user identification information, provider identification information, fee information, and payer identification information, the content specifying information, user identification information, accept recruitment conditions for provider identification information, fee information or payer identification information;
The information processing method according to any one of claims 1 to 5, wherein if the digital form data includes undetermined information, a change in the recruitment conditions is accepted. The information processing method according to any one of claims 1 to 6, wherein when the digital form data includes undetermined information, division of the digital form data is accepted. Content identification information for specifying the content of the service or product, user identification information of the user of the service or product, provider identification information of the provider of the service or product, fee information indicating the fee for the service or product , an information processing device that processes digital form data that includes payer identification information that identifies the payer of the fee and is the source of payment for the fee for the service or product,
an extraction unit that extracts the digital form data including undetermined information among the content identification information, user identification information, provider identification information, charge information, and payer identification information;
a classification unit that classifies the digital form data including the undetermined information based on the type of undetermined information or the attribute of determined information;
An information processing device comprising: an execution unit that selects and executes a determination method for undetermined information in the digital form data according to classification. The computer stores content identifying information for identifying the content of the service or product, user identification information of the user of the service or product, provider identification information of the provider of the service or product, and charges for the service or product. A computer program that processes digital form data that is the basis for payment of fees for the service or product, including fee information indicating the amount of the fee, and payer identification information that identifies the payer of the fee, the computer program comprising:
to the computer;
Extracting the digital form data including undetermined information among the content identification information, user identification information, provider identification information, charge information, and payer identification information;
classifying the digital form data including the undetermined information based on the type of undetermined information or the attribute of determined information;
A computer program that selects and executes a method for determining undetermined information in the digital form data according to classification.

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