JP7175791B2 - program, information processing method, terminal - Google Patents

Description

The present disclosure relates to programs, information processing methods , and terminals.

In recent years, communication using network services such as messaging service (IMS) (Instant Messaging Service) and social networking service (SNS) (Social Networking Service) is increasing. Then, for example, when a group travels or camps, there are cases in which the members of the group jointly invest and shop on the network service. For example, Japanese Patent Laid-Open No. 2002-200001 discloses a technique for purchasing a product by electronic payment. However, the case of joint investment was not fully considered.

JP-A-2002-176671

According to the first aspect of the present invention, a program executed by a first terminal that communicates with a server that manages payment by electronic money sends information about the first electronic money to the server through a communication unit of the first terminal . transmitting and information of the second electronic money transmitted by the second terminal and the first electronic currency usable at least by the user of the first terminal or the first terminal and the user of the second terminal or the second terminal; transmitting payment request information for performing payment processing based on the third electronic money based on the money information to the server by the communication unit; and information on the fifth electronic money, and received by the communication unit from the server . The first terminal executes a process of increasing the electronic money balance of the terminal by the control unit of the first terminal.
According to a second aspect of the present invention, an information processing method for a first terminal that communicates with a server that manages payment by electronic money includes sending information on the first electronic money to the server by a communication unit of the first terminal. and the information of the second electronic currency transmitted by the second terminal and the first electronic currency that are usable at least by the user of the first terminal or the first terminal and the user of the second terminal or the second terminal transmitting to the server payment request information for performing payment processing based on the third electronic money based on the information of; receiving, by the communication unit, information about the fourth electronic money divided into information about the fifth electronic money and transmitted from the server ; and based on the information about the fourth electronic money, the user of the first terminal or the first terminal and performing a process of increasing the balance of the electronic money in the control unit of the first terminal .
According to a third aspect of the present invention, a terminal that communicates with a server that manages payment by electronic money transmits information on the first electronic money to the server, and the user of the terminal or the terminal and the user of the second terminal Alternatively, payment request information for performing payment processing based on a third electronic money based on the information on the second electronic money and the information on the first electronic money transmitted by the second terminal, which can be used by the second terminal at least. Communication for receiving information about the fourth electronic money transmitted from the server, wherein the balance of the third electronic money sent to the server and subjected to settlement processing is divided into at least information about the fourth electronic money and information about the fifth electronic money and a control unit that increases the balance of the terminal user's electronic money or the terminal's electronic money balance based on information about the fourth electronic money .

1 is a diagram illustrating an example of a configuration of a communication system according to one aspect of an embodiment; FIG. The figure which shows an example of the flow of the information processing which the terminal which concerns on embodiment performs. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the function implement|achieved by the control part of the server which concerns on embodiment. The figure which shows an example of the information memorize|stored in the memory|storage part of the server which concerns on embodiment. The figure which shows an example of a data structure of the user registration data which concerns on embodiment. The figure which shows an example of a data structure of the user management database which concerns on embodiment. The figure which shows an example of a data structure of the IMS wallet management data which concerns on embodiment. The figure which shows an example of the data structure of the group management database which concerns on embodiment. The figure which shows an example of the data structure of the common wallet management data which concerns on embodiment. The figure which shows an example of the function implement|achieved by the control part of the terminal which concerns on embodiment. The figure which shows an example of the information memorize|stored in the memory|storage part of the terminal which concerns on embodiment. 4 is a flowchart showing an example of the flow of processing executed by each device according to the embodiment; 4 is a flowchart showing an example of the flow of processing executed by each device according to the embodiment;

<Compliance with legal matters>
Note that the disclosure provided herein is subject to compliance with the legal requirements of the implementing country required for the practice of this disclosure, such as confidentiality of communications.

An embodiment for implementing an information processing method and the like according to the present disclosure will be described with reference to the drawings.

[System configuration]
FIG. 1 is a diagram showing an example configuration of a communication system 1 according to an embodiment of the present disclosure.
As disclosed in FIG. 1 , in communication system 1 , server 10 , terminals 20 (terminal 20 A, terminal 20 B, terminal 20 C, . . . ), and commercial transaction system 40 are connected via network 30 .

The server 10 provides the terminals 20 owned by users via the network 30 with a service for realizing transmission and reception of contents including messages between the terminals 20 . In addition, the server 10 communicates with the terminal 20 and performs processing for allowing the terminal 20 to realize payment based on electronic money. Note that the number of terminals 20 connected to the network 30 is not limited.

The network 30 serves to connect one or more terminals 20 , one or more servers 10 and one or more commercial transaction systems 40 . That is, the network 30 means a communication network that provides a connection path so that the various devices can transmit and receive data after being connected.

One or more portions of network 30 may or may not be wired or wireless networks. Network 30 may include, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (wireless LAN), wide area network (WAN), wireless WAN (WWAN), metropolitan area network (MAN), part of the Internet, public switched telephone network (Public Part of Switched Telephone Network (PSTN), mobile phone network, ISDN (integrated service digital networks), wireless LAN, LTE (long term evolution), CDMA (code division multiple access), Bluetooth (registered trademark), satellite communication, etc., or a combination of two or more thereof. Network 30 may include one or more networks 30 .

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) (not limited to, but an example of a terminal or an information processing device) is any information processing terminal capable of realizing the functions described in each embodiment. It may be a terminal. Terminal 20 may include, by way of example and without limitation, smart phones, mobile phones (feature phones), computers (including but not limited to desktops, laptops, tablets, etc.), media computer platforms (including but not limited to cable, satellite set top boxes, digital video recorders), handheld computing devices (including but not limited to PDAs (personal digital assistants), email clients, etc.), wearable devices (glasses, watches, etc.), or other types of computers , or including communication platforms. Also, the terminal 20 may be expressed as an information processing terminal.

Terminal 20A, terminal 20B, and terminal 20C basically have the same configuration, so terminal 20 will be described below. Further, as necessary, the terminal used by the user X is expressed as the terminal 20X, and the user information in the predetermined service associated with the user X or the terminal 20X is expressed as the user information X. The user information is user information associated with an account used by the user in a predetermined service. User information includes, by way of example and not limitation, user's name, user's icon image, user's age, user's gender, user's address, user's hobbies, entered by the user or provided by a given service It may include information associated with the user, such as preferences, user identifiers, etc., and may or may not be any one or combination of these.

The server 10 (not limited to, but an example of a server, an information processing device, an information management device) has a function of providing a predetermined service to the terminal 20 . The server 10 may be any information processing device capable of realizing the functions described in each embodiment. Server 10 includes, by way of example and without limitation, server devices, computers (including but not limited to desktops, laptops, tablets, etc.), media computer platforms (including but not limited to cable, satellite set-top boxes, digital video recorders, etc.). ), handheld computing devices (eg, without limitation, PDAs, email clients, etc.), or other types of computers or communication platforms. Also, the server 10 may be expressed as an information processing device. If there is no need to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be represented as information processing devices.

In this embodiment, the server 10 has a function of providing a messaging service (IMS (Instant Messaging Service)) by an IMS application, which will be described later, and a function of providing an electronic money management service by an IMS wallet application, which will be described later. I will explain as if there is.

The server having the function of providing IMS and the server having the function of providing management service for electronic money may be separated into two servers, namely, the IMS server and the management server. , do not have to.

The commercial transaction system 40 is, as a non-limiting example, a system for purchasing products or the like through electronic commerce using the terminal 20 operated by an operator affiliated with the IMS operator (operator of the server 10), or a terminal It is a commercial transaction system including a POS (Point Of Sale) system and the like introduced in a physical store where 20 users purchase products.

The server 10 provides, as a non-limiting example, information related to payment transmitted from the terminal 20 and information related to payment transmitted from the commercial transaction system 40 when the user of the terminal 20 purchases a product at an electronic commerce transaction or a physical store as described above. Payment processing is performed based on

For example, when the user of the terminal 20 purchases a product at a physical store, as one method, the server 10 generates a two-dimensional code (for example, a QR code (registered trademark)) and transmits it to the terminal 20 . Then, the user of the terminal 20 causes the display unit 24 to display the two-dimensional code received by the terminal 20 from the server 10 and causes the code reader device of the commercial transaction system 40 of the store to read the code. Then, the code reader device of the store transmits information about payment to the server 10, and the server 10 performs payment processing based on the information about payment received from the code reader device.

As another method, when the user of the terminal 20 purchases a product, for example, a two-dimensional code (for example, a QR code) posted at a store front or around a cash register can be input to an IMS wallet application (details will be described later) of the terminal 20. ) is read by the code reader. Then, information on payment acquired by decoding data from the read two-dimensional code is transmitted from its own terminal 20 to the server 10.例文帳に追加Then, the server 10 performs payment processing based on the payment-related information transmitted from the terminal 20 .

[Hardware (HW) configuration of each device]
The HW configuration of each device included in the communication system 1 will be described.

(1) HW Configuration of Terminal FIG. 1 shows an example of the HW configuration of the terminal 20 .
The terminal 20 includes a control unit 21 (CPU: central processing unit (central processing unit)), a storage unit 28, a communication I/F 22 (interface), an input/output unit 23, a display unit 24, a microphone 25, a speaker 26, a camera 27, A clock section 29 is provided. Each component of the HW of terminal 20 is interconnected via bus B, by way of example and not limitation. Note that the HW configuration of the terminal 20 does not necessarily include all the components. By way of example and not limitation, terminal 20 may or may not be configured to detach individual components, or multiple components, such as microphone 25 and camera 27 .

Communication I/F 22 transmits and receives various data via network 30 . Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 22 has a function of executing communication with various devices such as the server 10 via the network 30 . Communication I/F 22 transmits various data to various devices such as server 10 according to instructions from control unit 21 . The communication I/F 22 also receives various data transmitted from various devices such as the server 10 and transmits the data to the control unit 21 . Also, the communication I/F 22 may be simply referred to as a communication section. Moreover, when the communication I/F 22 is configured by a physically structured circuit, it may be expressed as a communication circuit.

Input/output unit 23 includes a device for inputting various operations to terminal 20 and a device for outputting processing results processed by terminal 20 . In the input/output unit 23, the input unit and the output unit may be integrated, the input unit and the output unit may be separated, or not.

The input unit is implemented by any one or a combination of all types of devices that can receive input from the user and transmit information related to the input to the control unit 21 . The input unit includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via moving images), and a microphone (operation input by sound).

The output unit is implemented by any one or a combination of all types of devices capable of outputting processing results processed by the control unit 21 . The output unit includes, as non-limiting examples, touch panels, touch displays, speakers (sound output), lenses (non-limiting examples include 3D (three dimensions) output and hologram output), printers, and the like.

The display unit 24 is realized by any one or a combination of all kinds of devices capable of displaying according to the display data written to the frame buffer. The display unit 24 includes, as non-limiting examples, a touch panel, a touch display, a monitor (non-limiting examples include a liquid crystal display and an OELD (organic electroluminescence display)), a head mounted display (HDM: Head Mounted Display), projection mapping, and a hologram. , including devices capable of displaying images, text information, etc. in air (which may or may not be a vacuum). Note that these display units 24 may or may not be capable of displaying display data in 3D.

When the input/output unit 23 is a touch panel, the input/output unit 23 and the display unit 24 may be arranged to face each other with substantially the same size and shape.

The clock unit 29 is a built-in clock of the terminal 20 and outputs time information (clock information). The clock unit 29 includes, for example and not limitation, a clock using a crystal oscillator, a clock using the NITZ (Network Identity and Time Zone) standard, and the like. The clock unit 29 can also be expressed as a clock unit or a time information detection unit as an example without limitation.

The control unit 21 comprises, by way of example and not limitation, a data processing device that is physically structured to carry out the functions implemented by the code or instructions contained within the program. It is realized by Therefore, the control unit 21 may or may not be expressed as a control circuit.

The control unit 21 includes, as non-limiting examples, a central processing unit (CPU), a microprocessor, a processor core, a multiprocessor, an ASIC (application-specific integrated circuit), an FPGA (field programmable gate array).

The storage unit 28 has a function of storing various programs and various data required for the terminal 20 to operate. The storage unit 28 includes, as non-limiting examples, various storage media such as HDD (hard disk drive), SSD (solid state drive), flash memory, RAM (random access memory), ROM (read only memory). Also, the storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the storage unit 28 and executes the program P so that the control unit 21 executes processing as each unit included in the control unit 21 . That is, the program P stored in the storage unit 28 causes the terminal 20 to implement each function executed by the control unit 21 . Also, this program P may or may not be expressed as a program module.

A microphone 25 is used to input sound data. The speaker 26 is used for outputting sound data. The camera 27 is used for acquiring moving image data.

(2) Server HW Configuration FIG. 1 shows an example of the HW configuration of the server 10 .
The server 10 includes a control section 11 (CPU), a storage section 15 , a communication I/F 14 (interface), an input/output section 12 , a display 13 and a clock section 19 . Each component of the HW of the server 10 is interconnected via a bus B, by way of example and not limitation. It should be noted that the HW of the server 10 does not have to include all components as the HW configuration of the server 10 . As an example and not a limitation, the HW of the server 10 may or may not be configured such that the display 13 is removed.

The control unit 11 comprises, by way of example and not limitation, a data processing device that is physically structured to carry out the functions implemented by the code or instructions contained within the program. It is realized by

The control unit 11 is typically a central processing unit (CPU), and may or may not be a microprocessor, processor core, multiprocessor, ASIC, or FPGA. In the present disclosure, the controller 11 is not limited to these.

The storage unit 15 has a function of storing various programs and various data necessary for the operation of the server 10 . The storage unit 15 is realized by various storage media such as HDD, SSD, and flash memory. However, in the present disclosure, the storage unit 15 is not limited to these. Also, the storage unit 15 may or may not be expressed as a memory.

Communication I/F 14 transmits and receives various data via network 30 . Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 14 has a function of executing communication with various devices such as the terminal 20 via the network 30 . Communication I/F 14 transmits various data to various devices such as terminal 20 according to instructions from control unit 11 . The communication I/F 14 also receives various data transmitted from various devices such as the terminal 20 and transmits the data to the control unit 11 . Also, the communication I/F 14 may be simply referred to as a communication unit. Moreover, when the communication I/F 14 is configured by a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 12 is realized by a device for inputting various operations to the server 10 . The input/output unit 12 is implemented by any one or a combination of all types of devices that can receive input from a user and transmit information related to the input to the control unit 11 . The input/output unit 12 is implemented by hardware keys typically represented by a keyboard and a pointing device such as a mouse. Note that the input/output unit 12 may or may not include a touch panel, a camera (operation input via moving images), and a microphone (operation input by sound) as non-limiting examples. However, in the present disclosure, the input/output unit 12 is not limited to these.

The display 13 is typically realized by a monitor (as a non-limiting example, a liquid crystal display or an OELD (organic electroluminescence display)). The display 13 may or may not be a head-mounted display (HDM). These displays 13 may or may not be capable of displaying display data in 3D. In the present disclosure, display 13 is not limited to these.

The clock unit 19 is an internal clock of the server 10 and outputs time information (timekeeping information). The clock unit 19 includes, for example and not limitation, an RTC (Real Time Clock) as a hardware clock, a system clock, and the like. The clock unit 19 can also be expressed as a clock unit or a time information detection unit as an example without limitation.

(3) Others The server 10 stores the program P in the storage unit 15 and executes the program P so that the control unit 11 executes processing as each unit included in the control unit 11 . That is, the program P stored in the storage unit 15 causes the server 10 to implement each function executed by the control unit 11 . This program P may or may not be expressed as a program module.
The same is true for other devices.

Each embodiment of the present disclosure will be described as being implemented by the CPU of the terminal 20 and/or the server 10 executing the program P. FIG.
The same is true for other devices.

Note that the control unit 21 of the terminal 20 and/or the control unit 11 of the server 10 is not only a CPU having a control circuit, but also an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like. Each process may or may not be implemented by a logic circuit (hardware) or a dedicated circuit. Also, these circuits may be realized by one or more integrated circuits, and the plurality of processes shown in each embodiment may or may not be realized by one integrated circuit. LSIs are also called VLSIs, super LSIs, ultra LSIs, etc., depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.
The same is true for other devices.

In addition, the program P of each embodiment of the present disclosure (as a non-limiting example, a software program, a computer program, or a program module) may be provided in a state stored in a computer-readable storage medium, It does not have to be. The storage medium can store the program P in a "non-transitory tangible medium". Also, the program P may or may not be for realizing part of the functions of each embodiment of the present disclosure. Furthermore, the function of each embodiment of the present disclosure may be implemented in combination with a program P already recorded in a storage medium, that is, a so-called difference file (difference program), or not.

The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, without limitation, field programmable gate arrays (FPGAs) or application specific ICs (ASICs)), hard Disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic tape, solid state It may include a drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may, where appropriate, be volatile, nonvolatile, or a combination of volatile and nonvolatile. Note that the storage medium is not limited to these examples, and any device or medium that can store the program P may be used. Also, the storage medium may or may not be expressed as memory.

The server 10 and/or the terminal 20 can realize the functions of the functional units shown in each embodiment by reading the program P stored in the storage medium and executing the read program P.
The same is true for other devices.

In addition, the program P of the present disclosure may or may not be provided to the server 10 and/or the terminal 20 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. . As a non-limiting example, the server 10 and/or the terminal 20 implement the functions of the plurality of functional units shown in each embodiment by executing a program P downloaded via the Internet or the like.
The same is true for other devices.

Embodiments of the present disclosure may also be embodied in the form of a data signal embedded in a carrier wave in which program P is embodied by electronic transmission.
At least part of the processing in the server 10 and/or the terminal 20 may or may not be realized by cloud computing configured by one or more computers.
At least part of the processing in the terminal 20 may or may not be performed by the server 10 . In this case, the server 10 may or may not perform at least part of the processing of the functional units of the control unit 21 of the terminal 20 .
At least part of the processing in the server 10 may or may not be performed by the terminal 20 . In this case, the terminal 20 may or may not perform at least part of the processing of the functional units of the control unit 11 of the server 10 .
Unless explicitly mentioned, the configuration of determination in the embodiments of the present disclosure is not essential, and predetermined processing is performed when the determination condition is satisfied, or predetermined processing is performed when the determination condition is not satisfied. may or may not.

It should be noted that the programs of the present disclosure are not limited to, but include script languages such as ActionScript and JavaScript (registered trademark), object-oriented programming languages such as Objective-C and Java (registered trademark), markup languages such as HTML5, and the like. implemented using

The information processing method according to the present embodiment provides, as an example and not a limitation, a service of transmitting and receiving content between terminals 20 of a group including a plurality of users. The number of users included in one group is any number equal to or greater than two. For example, one group may consist of user A and user B, and the number of users included in this group is two. Another group may consist of User A, User B and User C, and the number of users included in this group is three.

Further, in the following description, a service provided by the information processing method according to the embodiment will be referred to as a messaging service as appropriate. Terminal 20 displays, by way of example and not by way of limitation, images of a graphical user interface (GUI) provided by the messaging service. In the following description, a GUI that allows users included in a group to view content transmitted and received between terminals of a group including a plurality of users will be referred to as a "talk room" as appropriate.

As an example and not a limitation, the display unit 24 of the terminal 20 has a display area in which a plurality of pixels are arranged, and displays an image of the talk room in the display area. An image including content transmitted and received between terminals of a group including a plurality of users corresponds to an image of a talk room.

Also, the content described above includes, by way of example and not limitation, at least one of text, images, and sounds. The text included in the content includes, as a non-limiting example, at least one of national characters represented by character codes, extended characters, machine-dependent characters, numerals, symbols, graphics, and symbols. The text included in the content may not include at least one of the characters, extended characters, machine-dependent characters, numerals, symbols, graphics, and symbols, and may include other text.

Examples of images included in the content include, but are not limited to, captured images captured by a camera, processed images obtained by subjecting captured images to image processing, and computer graphics images generated using a computer (as examples, not limited to , icons, pictograms, emoticons), and at least one of text images that are images of text. An image included in the content may include a synthesized image obtained by synthesizing two or more of various images such as the captured image, the processed image, the computer graphics image, and the text image. Images included in the content may not include at least one of the captured image, the processed image, the computer graphics image, the text image, and the synthesized image, and may include other images. The images included in the content may be still images, moving images, or images in other forms. Content that includes images may be represented by icons, such as thumbnails, in the chat room images, for example and not by way of limitation. By way of example and not limitation, terminal 20 may display images included in content based on input to icons representing images included in the content.

Sounds included in the content include, by way of example and not limitation, various sounds, including basically human voices. For example, voice includes recorded voice recorded with a microphone, processed voice that has been processed by recording voice, synthesized voice generated using a computer, and read-aloud converted from text using a read-aloud function of a computer. including at least one of speech. The voice may include a combined voice obtained by combining two or more of the above-described recorded voice, processed voice, synthesized voice, and reading voice. Also, the voice may not include at least one of the above-described recorded voice, processed voice, synthesized voice, reading voice, and combined voice, and may include other voices. In addition, the sound may include at least one of sounds or voices emitted by living things other than humans, sounds emitted by objects such as musical instruments or machines, sound effects, environmental sounds, noise sounds, and alarms. At least one of the voices may not be included, or these sounds or sounds different from the voice may be included. Content that includes sound may be represented by an icon or the like in the image of the talk room, for example and not by way of limitation. By way of example and not limitation, the terminal 20 may reproduce the sound included in the content based on an input to an icon representing the sound included in the content.

Content may be, by way of example and not limitation, content that combines two or more of text, images, and sounds. The content may be, by way of example and not limitation, content in which video and sound are reproduced in parallel, content in which images and text are displayed in combination, and text is displayed in time with sound reproduction. It may be content that The content may also be content in which sound is played in parallel with the display of text and images. The content may be, by way of example and not limitation, content that combines at least one of text, images and sounds with content that is different from any of the text, images and sounds.

<Example>
An example as one aspect of the present embodiment will be described below.

In recent years, network services such as the aforementioned messaging service (hereinafter referred to as "IMS" as appropriate) and SNS (Social Networking Service) have become popular.
"IMS" is a service that enables the transmission and reception of messages between communication devices of users in order to have conversations between users of communication devices using the Internet. In this specification, the expression "IMS", which is an abbreviation for instant messaging service, is used, but in a broad sense it means all messaging services and is not limited to instant messaging services.
“SNS” is a service that forms a social network or community on the Internet, mainly for the purpose of communication between users of communication devices. It can also be said that IMS is one form (one form) of SNS. Therefore, IMS and SNS may or may not be distinguished.

In addition, in relation to these network services, including payments and settlements when purchasing products in electronic commerce, payments and settlements when purchasing products in physical stores, and payments and settlements for public utility charges, etc. Applications (application software) that can be used on the terminal 20 to enable various payments/settlements, remittances to other users' terminals 20, and the like are becoming widespread. Such applications include a "wallet application" for using the terminal 20 as a wallet for saving electronic money, a "payment application" for realizing payment with electronic money on the terminal 20, and the like. be

Below, a virtual wallet (hereinafter referred to as , called a “common wallet”). Then, the balance of the electronic money when the electronic money saved in the generated common wallet is consumed by payment is divided among the plurality of terminals 20 (users of the plurality of terminals 20), in other words, the plurality of terminals 20 (the plurality of terminals 20). users of terminals 20).

A common wallet is a virtual wallet that can be used jointly by a plurality of terminals 20 (users of a plurality of terminals 20), or a virtual wallet that is shared by a plurality of terminals 20 (users of a plurality of terminals 20). Therefore, it can also be expressed as a “joint wallet” or “shared wallet”.

In the following, an application provided by an IMS operator and a type of application for IMS, an "IMS application", is a function of an "IMS wallet application" that is a type of wallet application and payment application. 20 will be described.

Hereinafter, "payment" means "electronic payment" using the IMS wallet application, unless otherwise specified.
In the following, unless otherwise specified, "IMS money" means electronic money managed by the IMS operator on the server 10 and can be used by the user of the terminal 20 in the IMS wallet application. do.
Also, hereinafter, "balance" means the remaining amount of IMS money in the IMS wallet application, unless otherwise specified.

In general, "electronic money" is a payment means that substitutes for cash and uses information communication technology, provided by a business operator (hereafter referred to as an IMS business operator).
As will be described in a modified example later, the concept of electronic money in the present disclosure is not limited to IMS money, and includes general payment means that can be used by users as an alternative to cash.

<Information processing method>
FIG. 2A is a flow chart showing an example of the flow of the information processing method according to this embodiment. Here, as a non-limiting example, in the IMS application stored in the terminal 20, one group is formed by users of a plurality of terminals 20 who are registered as friends who can mutually transmit and receive content. A case in which users (hereinafter referred to as “group users”) jointly contribute electronic money and make purchases with electronic money will be described as an example.

First, the terminal 20 performs common wallet generation processing (S1). Specifically, as a non-limiting example, the terminal 20 transmits common wallet generation request information for requesting the server 10 to generate a common wallet through the communication I/F 22 based on the common wallet generation operation for the input/output unit 23. Send to server 10 . In this case, as a non-limiting example, one of the group users becomes the group representative and creates a common wallet in the IMS application that can be used jointly by the group users within the IMS wallet application. A common wallet generation operation for the purpose can be performed on the input/output unit 23 . Then, when the server 10 receives the common wallet generation request information from the terminal 20 via the communication I/F 14, the server 10 generates a common wallet in association with the group identification information for identifying the group including the user of the terminal 20. and store it in the storage unit 15.

Next, the terminal 20 performs target amount setting processing (S3). In the present embodiment, the target amount (not limited, but an example of the target procurement value of electronic money) is the target amount of electronic money that a plurality of users jointly invest in a common wallet in order to collect goods, money, etc. (target value). Specifically, as a non-limiting example, based on the target amount setting operation on the input/output unit 23, the terminal 20 of the representative user transmits the target amount information indicating the target amount to the server 10 via the communication I / F 22 Send. When the server 10 receives the target amount information from the terminal 20 through the communication I/F 14, the target amount is stored in association with the generated common wallet.

After that, the terminal 20 performs a deposit request process (S5). Specifically, as a non-limiting example, on the terminal 20 of the user of the representative, the setting of the group user who requests the deposit to the common wallet and the amount requested to deposit to the group user (hereinafter referred to as the "requested deposit amount") ) is displayed on the display unit 24. Then, the terminal 20 sets user identification information for identifying the group user requesting payment and payment requested amount information indicating the requested payment amount based on the setting operation for the input/output unit 23 on the payment request setting screen. The included deposit request information is transmitted to the server 10 via the communication I/F 22 .

Also, if there are a plurality of other group users requesting payment, payment request information including user identification information for identifying the group user and payment request amount information for each group user is sent to the communication I. /F22 to the server 10. When the server 10 receives the deposit request information from the terminal 20 via the communication I/F 14, the server 10 sends the deposit request included in the received deposit request information to the terminal 20 of the user identified by the user identification information included in the received deposit request information. The amount information is transmitted by communication I/F14.

Note that the representative group user is the requester (requester) of the payment. For this reason, in the deposit request process, at least the group users other than the representative group user may be targeted to set a deposit request amount and request deposit. In other words, the representative group user may or may not be excluded from the targets for setting the requested deposit amount.

Next, the terminal 20 performs a deposit process (S7). Specifically, the terminal 20 of the representative group user deposits the amount of IMS money (not limited to, the first electronic money example) is transmitted to the server 10 via the communication I/F 22 . In addition, the terminal 20 of the other group user transfers IMS money to the common wallet according to the user's operation based on the requested deposit amount included in the deposit request information received from the terminal 20 of the group user of the representative via the server 10. Payment amount information indicating the payment amount (not limited, but an example of the second electronic money) is transmitted to the server 10 via the communication I/F 22 . When the server 10 receives a deposit request from the terminal 20 through the communication I/F 14, the server 10 subtracts the deposit amount indicated by the deposit amount information from the IMS money balance of the user of the terminal 20, and updates the balance. is added to the balance of the common wallet stored in the storage unit 15 and updated.

Here, since the amount deposited into the common wallet means the amount of electronic money invested jointly by group users, it can also be expressed as "investment amount".

Thereafter, the terminal 20 performs payment request processing (not limited to, but an example of processing related to payment) (S9). Specifically, as a non-limiting example, at the terminal 20 of one of the group users included in the group for which the common wallet was created in S1, when purchasing a product using the commercial transaction system 40, a request is made for settlement with IMS money in the common wallet. to the server 10. When the payment is made by the server 10 , information on the payment result is received from the server 10 via the communication I/F 22 .

Next, the terminal 20 performs balance distribution processing (S11). Specifically, as a non-limiting example, by distributing the balance of the common wallet to each group user including the user of its own terminal 20, the remaining amount of the common wallet is distributed and refunded to each group user. I do. This processing will be described later with reference to screen examples.

In the above process, the target amount setting process in S3 is not an essential process, and this step can be omitted. In other words, the target amount may or may not be set.

<Display screen example>
The above information processing method according to the present embodiment will be described with reference to display screen examples displayed on the display unit 24 of the terminal 20 .

FIG. 2-2 is a diagram showing an example of a group talk room screen displayed on the display unit 24 of the terminal 20. As shown in FIG. This group talk room screen is an example of a display screen that is displayed when the IMS application is activated on the terminal 20 and the users of the terminals 20 conduct group talk. Here, "group X" is composed of "user A.A", "user B.B", and "user C.C". A case where A is the representative of group X is illustrated.

On this display screen, "IMS Talk Room" is displayed at the top of the screen. "Group X (3)" is displayed as an indication that the total number of persons is three.

In this group talk room screen, on the right side of the screen, user A. who is the user of his own terminal 20, is displayed. The content sent by A is displayed in a balloon. On the other hand, on the left side of the screen, user B. is another two group users included in group X. B and user C.B. For each user B.C, associated with an icon image and username. B and user C.B. The content sent by each C is displayed in a balloon.

A message input field for inputting a message and a send button for transmitting the input message to another terminal 20 via the server 10 are displayed at the bottom of the screen.

Here, as an example, user A. A is user B.A. B and user C.B. A message is displayed suggesting that C go camping as a group. and user B. B and user C.B. User A agrees to this and creates a common wallet for everyone to purchase necessary items for camping. A message to the effect that A will generate is displayed.

In addition, on the right side of the display frame where the group name etc. are displayed at the top of the screen, as an example and not limitation, a common wallet creation button (common Wallet creation button) WB is displayed. When this common wallet generation button WB is touch-operated by the user, as a non-limiting example, a common wallet generation request for requesting generation (creation) of a common wallet is associated with group identification information for identifying a group. Information (common wallet creation request information) is sent from the terminal 20 to the server 10, and the server 10 creates a common wallet in the IMS wallet application in association with the group (here, group X) identified from this group identification information. (created).

FIG. 2-3 is a diagram showing an example of a display screen regarding the common wallet function displayed in the IMS wallet application when a common wallet is created within the IMS wallet application.
In this display screen, the words "IMS Wallet" are displayed at the top of the screen, and below that, the user A. The characters "common wallet: camp fund" are displayed to indicate that the name of the common wallet generated by A is "camp fund". Further, below it, "0 yen" is displayed as the current balance of the common wallet.

Also displayed below it are a plurality of function icons that are user-operable icons that indicate functions that can be implemented in the IMS wallet application in relation to the common wallet. For example, when this function icon is touch-operated with the user's finger, the corresponding function of the IMS wallet can be realized.

The function icons include, but are not limited to, a "target amount icon" used to set a target amount, a "payment request icon" used to request group users to deposit money into the common wallet, and a common A "deposit icon" used to deposit money into the wallet, a "setting icon" used to make various settings, and a "payment icon" used to make payments using the balance of the common wallet. , and a "destroy icon" used to destroy the common wallet.

Here, discarding the common wallet means terminating the common wallet, specifically, as an example here, deleting the common wallet so that it will not be used thereafter. As a non-limiting example, the common wallet is stored and managed in the server 10 at the request of the user of the terminal 20 (terminal 20), and the common wallet stored in the server 10 is deleted by destroying the common wallet. explain.

In this embodiment, as described above, a common wallet is generated in the IMS wallet application when the common wallet generation button WB displayed on the group talk screen of the IMS application is touched. However, it is not limited to this. For example, as the function icon of the IMS wallet application, a "common wallet creation icon" for creating a common wallet is displayed. Then, the common wallet may or may not be generated when the common wallet generation icon is touch-operated in the IMS wallet application.

Also, here, when the common wallet is discarded, the balance of the common wallet is divided and distributed to each group user by the above-described balance distribution processing, but it is not limited to this. For example, the common wallet is not discarded and the use of the common wallet continues, but the balance at that point in the common wallet may or may not be divided and distributed to each group user.

FIG. 2-4 is a diagram showing an example of a target amount setting screen displayed on the display unit 24 when the target amount icon is touch-operated on the display screen of FIG. 2-3.
The target amount setting screen displays a target amount input field for inputting and setting a target amount, and a numeric keypad for the user of the terminal 20 to input the target amount. When the numeric keypad is operated, the target amount is entered and displayed in the target amount input field. Then, the target amount is determined by operating a confirmation icon (not shown), and information on the determined target amount is transmitted to the server 10 and stored in the server 10 in association with the common wallet.

In the above target amount setting screen, instead of setting the target amount by inputting the target amount using the numeric keypad, the user can select from a plurality of target amount candidates prepared in advance using a pull-down menu or the like. The user may select and set the target amount, or may not do so.

FIG. 2-5 is a diagram showing an example of a deposit request screen displayed on the display unit 24 when the deposit request icon is touch-operated on the display screen of FIG. 2-3.
The deposit request screen displays the target amount set on the target amount setting screen as well as the user A. who is the user of his/her own terminal 20 as a group user. A's icon image and its user name, and user B.A, who is another group user. B's icon image and its user name, and user C.B who is another group user. An icon image of C and its user name are displayed. In association with the display of these three group users, information for setting the requested payment amount, which is information for setting the requested payment amount, is displayed.

The information for setting the requested deposit amount includes, as a non-limiting example, an amount setting button indicated by an upper and lower triangular mark that enables the user to set and change the requested deposit amount by touch operation of the user, and an amount setting button. A requested deposit amount display field for displaying the requested deposit amount set or changed by touching the button, and a deposit requested amount confirmation button including a check mark for confirming the requested deposit amount displayed in the requested deposit amount display field. and are included.

Also, at the bottom of the screen, a payment request execution button with characters "request payment" for executing a payment request to other group users by touch operation of the user is displayed. As a non-limiting example, this deposit request execution button is in a grayed out state as a default, and when the deposit request amount is confirmed for all group users, the button is touch-operated, and its display is colored. , the grayed-out state of the deposit request execution button is released, and the deposit request can be executed by the touch operation of the deposit request execution button.

When a target amount is set, it is desirable that the sum of the amounts requested to be deposited to each group user matches the target amount. For this reason, the fact that the sum of the requested deposit amounts matches the target amount may or may not be included in the condition for enabling execution of the deposit request.

In addition, on the above deposit request screen, instead of having the user set the requested deposit amount by operating the amount setting button, the user can set the requested deposit amount by directly using a numeric keypad or the like. The user may select and set a requested payment amount from a plurality of candidates for the requested payment amount prepared in advance using a pull-down menu or the like, or may not do so.

Also, as described above, the setting of the target amount can be omitted. In this case, the target amount may not be displayed on the deposit request screen, and the user may set an arbitrary amount as the deposit request amount for each group user, or may not do so. .

Also, in the above deposit request screen, for example, the button for confirming the deposit request amount may not be displayed so that the user can execute the deposit request at an arbitrary timing. good.

Also, on the above deposit request screen, a deposit request execution button may be displayed in association with each group user. For example, a payment request execution button may be displayed on the right side of the payment request amount display field for each group user, and payment requests may be executed in any order for each group user. You don't have to do it that way.

In addition, on the deposit request screen, the user may be allowed to select a group user to request deposit from among group user candidates using a pull-down menu or the like. good.

FIG. 2-6 is a diagram showing an example of a display screen when the requested deposit amount is changed and confirmed on the deposit request screen of FIG. 2-5.
In this display screen example, for example, user A. who is the representative of group X is displayed on the deposit request screen. "15000 yen" is given to user B.A. User C.B has "10000 yen". C shows a state in which "5000 yen" is set as the requested deposit amount.
Then, a state in which the payment request amount determination button displayed in association with each user is touch-operated changes to a colored state, and accordingly, the grayed-out state of the payment request execution button is released. By touching the deposit request execution button in this state, the user A. A's terminal 20, through the server 10, the user B.A. B, user C. The deposit request information including the set deposit request amount is transmitted to the terminal 20 of C, respectively.

In this way, by making it possible to change the setting of the requested deposit amount for each group user individually, it is possible, for example, to ask a certain group user to deposit a smaller amount this time because the user gave a larger amount last time. Or, on the contrary, it is possible to ask for a larger deposit this time because the amount was not so much last time. In addition, for example, it is also possible for the representative user to pay a larger amount of money to reduce the burden on other group users.

FIG. 2-7 is a diagram showing an example of a display screen displayed on the display unit 24 of the terminal 20 that has received the deposit request information. Here, as an example, user A. The deposit request information sent from C.A's terminal 20 is received by user C.A. A case in which it is received by the terminal 20 of C will be exemplified.
On this display screen, in the standby screen, there is a message "IMS IMS Wallet: There is a request for deposit to the common wallet." is displayed.

FIG. 2-8 is a diagram showing an example of a display screen displayed when the "open" button is touch-operated on the display screen of FIG. 2-7.
When the "Open" button is touch-operated, the user C.I. The IMS wallet application is activated on C's terminal 20, and a deposit screen for depositing money based on the deposit request information is displayed. For example, on this deposit screen, there is a message "IMS wallet A.A requested to deposit money into the common wallet: camp fund. Amount: 5000 yen" and a message "Deposit now" for depositing as it is. A button with the word "", a button with the word "later" for depositing later, and a button with the word "details" for checking the details of the deposit request information. is displayed.

FIG. 2-9 is a diagram showing an example of a display screen that is displayed when the button "pay now" is touched on the display screen of FIG. 2-8.
By touching the button "pay now", the user C.I. The display unit 24 of the C terminal 20 displays, for example, the words "common wallet: camping fund" and a deposit amount setting field for setting and changing the deposit amount. In this deposit amount setting column, for example, the deposit request amount (here, 5000 yen) included in the received deposit request information (here, deposit request information received from the terminal 20 of user A.A) is displayed as a default. can be made

In addition, under the deposit amount setting column, user C.I. The balance of IMS money (here, 7000 yen) in C's IMS wallet application is displayed. Therefore, user C.I. C can easily grasp how much his current balance of IMS money is and whether or not he can deposit the requested deposit amount.

At the bottom of the screen, there is also displayed a button with the text "deposit" for executing the deposit of the deposit amount set in the deposit amount setting column. When this button is touch-operated, the deposit request information requesting deposit of the deposit amount set in the deposit amount setting field to the common wallet is transmitted to the user C.I. It is transmitted from the terminal 20 of C to the server 10 . Then, in the server 10, the user C.I. The balance of C's IMS money is updated by subtracting the deposited amount, and the common wallet is updated by adding the deposited amount.

FIG. 2-10 is a diagram showing an example of a display screen displayed on the display unit 24 of the terminal 20 when a product is purchased using IMS money in the common wallet and payment processing is performed by the server 10. FIG. Here, user B. B exemplifies a case where a camping product of "5000 yen" is purchased from the group X's common wallet: camping fund and settled.
On the group talk room screen of group X, for example, user B. Associated with B's icon image and user name, along with the message "[IMS wallet] Mr. B used 5000 yen from the common wallet: camp fund." is displayed. Further, below it, a detailed confirmation icon for confirming the detailed content and an IMS wallet icon for starting the IMS wallet application are displayed.

FIG. 2-11 is a diagram showing a state in which the "discard icon" is touched on the display screen of FIG. 2-3. When the "discard icon" is touch-operated, a screen for discarding the common wallet as shown in FIG. 2-12, for example, is displayed.
This shared wallet may be destroyed only by the representative of group X (here, user AA), or by all group users (here, user AA and user BB). , user C.C). Here, user A. who is the representative of the group. Let us exemplify the case where A executes the destruction of the common wallet.

On this display screen, along with the characters "common wallet: camp fund", the message "Are you sure you want to discard the common wallet and distribute the balance?" It is Further, below it, a "distribution execution button" with characters "distribute" for distributing the balance is displayed.

FIG. 2-13 is a diagram showing an example of a display screen that is displayed when the "distribution execution button" in FIG. 2-12 is touch-operated.
When the distribution execution button is pressed, as a non-limiting example, an "equal distribution button" with the words "divide evenly" and a "payment amount" with the words "divide according to the payment amount""Distributionbutton" and "free distribution button" with the words "distribute freely" are displayed.
The "equal distribution button" is a button for evenly distributing the balance of the common wallet among all group users (here, users AA, users BB, and users C.C).
The "Deposit Amount Distribution Button" button distributes the balance of the common wallet at a ratio corresponding to the amount of money deposited into the common wallet of each group user (here, user AA, user B.B, and user C.C). A button for distribution.
The "free distribution button" is a button for freely distributing the balance of the common wallet by the user (here, user A.A who is the representative) who executes the cancellation of the common wallet.

Here, an example is shown in which three buttons, the equal distribution button, the deposit amount distribution button, and the free distribution button, are displayed, but the present invention is not limited to this. At least one of these buttons may be displayed, or a combination of at least two buttons may be displayed. In addition, separate pages may be displayed for each of equal distribution, deposited amount distribution, and free distribution, or they may not be displayed.

FIG. 2-14 is a diagram showing an example of a display screen displayed when the "equal distribution button" in FIG. 2-13 is touch-operated.
This display screen displays the balance of the common wallet as well as the user A. who is the user of his own terminal 20 . A's icon image and its user name, and user B.A, who is another group user. B's icon image and its user name, and user C.B who is another group user. An icon image of C and its user name are displayed. In addition, in association with the display of these three group users, distribution amount setting information, which is information for setting a distribution amount for distributing the balance of the common wallet, is displayed.

The distribution amount setting information includes, as a non-limiting example, an amount setting button indicated by an upper and lower triangular mark for setting and changing the distribution amount by the user's touch operation, and an amount setting button by touch operation on the amount setting button. It includes a distribution amount display field for displaying the distribution amount to be set/changed, and a distribution amount confirmation button including a check mark for confirming the distribution amount by a user's touch operation.

Also, at the bottom of the screen, there is displayed a refund execution button with the characters "refund" for executing refund of the fixed distribution amount to each group user. As with the payment request execution button described above, the refund execution button is in a grayed out state as a default as a non-limiting example, the distribution amount is confirmed for all group users, and the distribution amount confirmation button is touch-operated. When the display changes to color, the grayed-out state of the refund execution button is released, and the refund can be executed by touching the refund execution button.

Also, FIG. 2-14 is a display screen for commonly distributing the balance of the common wallet. For this reason, as a default, "1,000 yen" is displayed in the distribution amount display column of each group user when "3,000 yen", which is the balance of the common wallet, is divided equally among three users, and the distribution amount is confirmed. The state in which the button has already changed color is shown.

FIG. 2-15 is a diagram showing an example of a display screen displayed when the "payment amount distribution button" is touch-operated on the display screen of FIG. 2-13.
The display configuration of this display screen is the same as in FIG. 2-14. However, since the balance of the common wallet is distributed at a ratio corresponding to the deposit amount of the common wallet of each group user, the display of the distribution amount display column displayed as default is different. Here, an example is shown in which distribution is performed based on the deposit amount corresponding to the deposit request amount shown in FIG. 2-5.

In the example of FIG. 2-5, user A.A. A is "15000 yen", user B. B is "10000 yen", user C.B. C is "5000 yen", and based on this distribution of the requested deposit amount, the distribution ratio of the common wallet balance is "3:2:1". Since the balance of the common wallet is "3000 yen", user A. A, user B. B, user C. The distribution amounts for C are "1500 yen", "1000 yen", and "500 yen", respectively. Therefore, these distribution amounts are displayed in the distribution amount display column of each group user, and the distribution amount determination button has already changed to a colored state.

FIG. 2-16 is a diagram showing an example of the display screen displayed when the free distribution button is touch-operated on the display screen of FIG. 2-13.
On this display screen, an "amount designation button" with characters "specify amount" and a "graph designation button" with characters "specify with graph" are displayed. The amount designation button is a button for directly designating the distribution amount, and the graph designation button is a button for designating the distribution amount using a graph.

FIG. 2-17 is a diagram showing an example of the display screen displayed when the amount designation button is touch-operated on the display screen of FIG. 2-16.
The display configuration of this display screen is the same as in FIG. 2-14. On this display screen, it is possible to specify the distribution amount for each group user individually. "1500 yen" for user B.A; "500 yen" for user C.B; User A.C distributes "1000 yen" to user A.C. An example is shown when operated by A.

FIG. 2-18 is a diagram showing an example of the display screen displayed when the graph designation button is touch-operated on the display screen of FIG. 2-16.
This display screen shows, by way of example and not limitation, a pie chart, which is a type of graph. This pie chart is for user A. A, user B. B, user C. Associated with each C, the distribution amount (distribution of the balance of the common wallet) is composed of three areas that can be set and changed by, for example, the user's swipe operation, and the user name and the distribution amount are displayed in each area. It is

The user can change the increase/decrease of the distribution amount (distribution of the common wallet balance) to each user by performing a swipe operation to widen/narrow the area corresponding to the user for whom the distribution amount is to be set. is configured so that

In addition, in the graph display above, the areas corresponding to each group user can be easily grasped by displaying the area corresponding to each group user in different colors or displaying them with different hatching. You may or may not be able to do so.

Also, although the case where a pie chart, which is a type of graph, is displayed as an example here, the present invention is not limited to this. In addition to this, for example, a graph such as a bar graph or a band graph that can change the amount of money distributed to each group user (distribution of the balance of the common wallet) by swiping can be similarly displayed. You don't have to.

In addition, on the balance distribution screen described above, instead of having the user set the distribution amount by operating the amount setting button, the distribution amount can be set by directly using a numeric keypad or the like. The user may or may not select and set a distribution amount from a plurality of prepared distribution amount candidates using a pull-down menu or the like.

Also, in the balance distribution screen described above, for example, the distribution amount confirmation button may not be displayed, and the user may execute balance distribution (refund) at any timing. It doesn't have to be.

Also, on the balance distribution screen described above, a refund execution button may be displayed in association with each group user. For example, a refund execution button may be displayed on the right side of the distribution amount display field for each group user, and the balance distribution (refund) may be executed in any order for each group user. , does not have to be that way.

Also, on the balance distribution screen described above, the user may be able to select a group user to which the balance is to be distributed (group user to be refunded) from the group user candidates using a pull-down menu or the like. , does not have to be that way.

<Functional configuration>
(1) Functional Configuration of Server FIG. 3A is a diagram showing an example of functions realized by the control unit 11 of the server 10 in this embodiment.
The server 10 has a server main processing unit 111 , an IMS processing unit 112 , a payment management processing unit 113 , and a common wallet management processing unit 115 as functions realized by the control unit 11 .

The server main processing unit 111 has a function of executing server main processing, which is processing for overall control of the server 10 , according to a server main processing program 151 stored in the storage unit 15 .

The IMS processing unit 112 executes IMS processing, which is processing for realizing transmission and reception of content including messages for IMS among the plurality of terminals 20, according to the IMS processing program 152 stored in the storage unit 15. have a function.

As a non-limiting example, the settlement management processing unit 113 communicates with the terminal 20 and the commercial transaction system 40 when the user of the terminal 20 conducts electronic commercial transactions or commercial transactions at a physical store, and executes settlement with IMS money in the IMS wallet application.・It has a function to execute settlement management processing, which is processing for management.

The common wallet management processing unit 115 has a function of executing common wallet management processing, which is processing for managing a common wallet in the IMS wallet application, according to the common wallet management processing program 1521 stored in the storage unit 15. there is

FIG. 3B is a diagram showing an example of information stored in the storage unit 15 of the server 10 in this embodiment.
The storage unit 15 stores, as programs, but not limited to, a server main processing program 151 that is read by the control unit 11 and executed as server main processing, and an IMS processing program 152 that is executed as IMS processing. be done.
The IMS processing program 152 also includes, as a subroutine program, a common wallet management processing program 1521 that is read by the control unit 11 and executed as common wallet management processing.
The common wallet management process will be described later in detail using a flowchart.

In addition, user registration data 153, commercial transaction system data 154, user management database 155, and group management database 156 are stored in the storage unit 15 as data for example and not limitation.

The user registration data 153 is registration data of the terminal 20 and the user of the terminal 20 who use the IMS or electronic money management service, and an example of the data configuration is shown in FIG. 3-3.
User name, terminal phone number, terminal mail address, user ID, user password, user icon image, and user profile are stored in the user registration data 153 in association with each other, for example and not limitation.

The user name is the name of the user in IMS, and for example, the name of the user of the terminal 20 is stored and registered at the time of registration.

The terminal phone number is the phone number of the terminal 20 of the user with this user name. For example, the phone number of the terminal 20 is stored and registered at the time of registration.

The terminal mail address is the mail address of the terminal 20 of the user with this user name. For example, the mail address of the terminal 20 is stored and registered at the time of registration.

A user ID is an ID that functions as identification information for identifying a user with this user name. For example, an ID for uniquely identifying a user is issued, stored, and registered at the time of registration. This user ID can also be said to be the IMS account of the user of the terminal 20 (hereinafter referred to as "IMS account").

A user password is a password associated with a user ID that is an IMS account. For example, a password determined by each user at the time of registration is stored and registered.

The user icon image is image data of an icon used by the user that is set in the terminal 20 of the user with this user name and is transmitted to the server 10. In the IMS application, the icon image is displayed in association with the user name.

A user profile is a user profile set by the terminal 20 of the user with this user name and transmitted to the server 10, and the user profile is displayed in association with the user name in the IMS application.

It should be noted that the various types of user information described above can be stored and managed on the server 10 side as user information common to the IMS application and the IMS wallet application, for example and not limitation.

The commercial transaction system data 154 includes electronic commerce and physical store businesses affiliated with the IMS operator (operator of the server 10) that allows the user of the terminal 20 to make payments using the IMS wallet application. registration data relating to the commercial transaction system 40 of the customer.

The user management database 155 is a database for managing data relating to the use of IMS by users registered in the user registration data 153, and an example of the data configuration is shown in FIG. 3-4.
The user management database 155 stores individual user management data for each of multiple users of the IMS application (IMS wallet application).

User management data for each user stores, by way of example and not limitation, IMS user content history data and IMS wallet management data in association with username and user ID.

The IMS user content history data is data related to the history of IMS content transmitted and received between this user's terminal 20 and other user's terminals 20, and as a non-limiting example, transmitted and received in this user's talk room. Data that associates the received content, the date and time when the content was transmitted and received, and the content number, which is identification information for identifying the content, is stored as a history.

IMS wallet management data is management data in this user's IMS wallet, and an example of the data structure is shown in FIG. 3-5.
As non-limiting examples, IMS wallet management data stores balance, IMS points, auto-charge settings, settlement history data, remittance and receipt history data, and common wallet deposit history data.

The balance stores the balance of IMS money owned by the user with this user ID.
The IMS points store points that can be accumulated at various IMS services and affiliated stores affiliated with IMS operators. By way of example and not limitation, IMS points have a value equivalent to 1 yen per point, and can be exchanged for gift certificates, merchandise, etc., and can also be converted into cash and used for payment in IMS applications.

The auto-charge setting is a setting as to whether or not IMS money is automatically replenished (auto-charged) when the balance is low (for example, "500 yen") or "0 yen". "ON" is stored when the user has set auto-charge, and "OFF" is stored otherwise. Automatic charging can be performed from a bank account or the like registered by the user of the terminal 20, for example and not limitation.

The settlement history data stores the settlement history of the user with this user ID.
The remittance/receipt history data stores a history of remittances by the user with this user ID to other users and a history of money receipts from other users to the user with this user ID.

Common wallet deposit history data stores the history of deposits to the common wallet of the user with this user ID.

The group management database 156 is a database for managing data relating to the use of IMS by a group consisting of a plurality of users registered in the user registration data 153, and an example of its data configuration is shown in FIG. 3-6. .
Group management database 156 stores individual group management data for each of a plurality of groups.

The group management data of each group includes, as a non-limiting example, a group name, which is the name of this group, a group ID, the date and time when the group was created, the number of people in the group, group user data, IMS group content history data, Common wallet management data is stored.

A group ID is an ID that functions as identification information for identifying this group, and an ID for uniquely identifying each group is stored and registered.

The group creation date and time is the date and time when this group was created (created). As a non-limiting example, a group can be arbitrarily created by a user using IMS, and a user who created a group or a user who has already joined the group invites other users to join the group. Users can be added to groups.

It should be noted that the user of each terminal 20 can be allowed to join not only one group but also multiple groups.

The group number stores the total number of users included in the group. Each time a new user joins a group, the number of people in the group is updated, and each time a user who has already joined leaves the group, the number of people in the group is updated by subtraction.

As a non-limiting example, group user data includes the user names of users included in this group (hereinafter referred to as "group users"), the user IDs of this group user, and the group user's subscription to this group. The date and time of joining the group are stored in association with each other.

The IMS group content history data is data related to the history of IMS content transmitted and received between the terminals 20 of the group users included in this group. Data that associates the date and time when the content was transmitted and received with the content number for identifying the content is stored as a history.

The common wallet management data is data for managing the common wallet generated for this group of group management data, and an example of the data configuration is shown in FIG. 3-7.
The common wallet management data includes the common wallet name, which is the name of this common wallet, the common wallet creation date and time, which is the date and time when this common wallet was created, and the user ID (or user name) of the group user who created this common wallet. ), the target amount, the common wallet balance, the common wallet IMS points, the settlement history data, and the deposit history data.

The target amount stores the target amount set for this common wallet.
The common wallet balance stores the balance of IMS money saved in the common wallet.
Common wallet IMS points store IMS points acquired by making payments using the balance of the common wallet.
The payment history data stores the history of payments made with IMS money in the common wallet.
The deposit history data stores the history of deposits to the common wallet.

(2) Functional Configuration of Terminal FIG. 3-8 is a diagram showing an example of functions realized by the control unit 21 of the terminal 20 in this embodiment.
The terminal 20 has a terminal main processing unit 211 , an IMS application processing unit 212 , and an IMS wallet application processing unit 213 as functions realized by the control unit 21 .

The terminal main processing unit 211 has a function of executing terminal main processing, which is processing for overall control of the terminal 20 , according to a terminal main processing program 281 stored in the storage unit 28 . As a non-limiting example, when the terminal 20 is a mobile phone, control is performed to make a call with another mobile phone, landline phone, or the like via the communication I/F 22, or via the communication I/F 22 or control to display various information on the display unit 24, or perform processing to analyze various sound data input from the microphone 25, or the camera 27 Analyzes still images and moving images captured by the camera.

The IMS application processing unit 212 communicates with the server 10 based on the IMS application 282 stored in the storage unit 28, and transmits and receives content to and from terminals 20 of other users via the server 10, for example. It has a function to execute IMS application processing, which is the processing to be performed.

The IMS wallet application processing unit 213 communicates with the server 10 based on the IMS wallet application 283 stored in the storage unit 28, and executes IMS wallet application processing for realizing various functions of the IMS wallet application. have a function.

The IMS wallet application processing unit 213 includes, as a non-limiting example, a common wallet generation processing unit 2131, a target amount setting processing unit 2133, a deposit request processing unit 2135, a deposit processing unit 2136, a settlement request processing unit 2137, It has a balance distribution processing unit 2139 as a functional unit.

FIG. 3-9 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this embodiment.
As a non-limiting example, the storage unit 28 stores a terminal main processing program 281 that is read by the control unit 21 and executed as terminal main processing.

The storage unit 28 also stores an IMS application 282 and an IMS wallet application 283 as application software obtained by downloading from the server 10 in advance, for example and not limitation.

IMS wallet applications 283 include, by way of example and not limitation, IMS wallet application programs 2831 and IMS wallet application data 2833 .

The IMS wallet application program 2831 includes a program for realizing processing related to the common wallet (a program for realizing the processing of various steps described in Figure 2-1), as well as normal wallets other than the common wallet. A program for realizing the processing of

The IMS wallet application data 2833 includes data for realizing processing related to the common wallet (for example, data for realizing various functions related to the common wallet of the IMS wallet application described above and display of various display screens). data for realization), and data for realizing normal wallet processing other than the common wallet.

Note that the IMS application 282 and the IMS wallet application 283 may be one application or may be separate applications.

<Processing>
3-10 and 3-11 are flowcharts showing an example of the flow of processing executed by each device in this embodiment.
From left to right, an example of IMS wallet application processing executed by the IMS wallet application processing units 213 of terminal A, terminal B, and terminal C, and common wallet management processing executed by the common wallet management processing unit 115 of the server 10 is shown. .
Each step in each process is indicated by a combination of capital letters and numbers, and step terms are omitted.

Here, as in the example described above, user A.A. A and user B.A, who is the user of terminal B. and user C.B, who is the user of terminal C. A group X is formed by users A.C and A.C. Let us assume that A is the representative of the group. In addition, terminals A to C are actually configured to perform processing in accordance with the IMS wallet application program 2831 in a similar procedure, but for the sake of clarity, the representative of group X is shown here. User A. It will be illustrated and explained as processing when A creates a common wallet, sets a target amount, requests deposit, and distributes the balance.

Further, the flowcharts described below are merely examples of the processing in this embodiment, and in the flowcharts described below, some steps may not be executed, and additional steps may be inserted. .

First, the IMS wallet application processing unit 213 of terminal A determines whether or not to generate a common wallet (A1). Specifically, for example, as described above, when the IMS application notifies the IMS wallet application that the common wallet creation button WB has been touch-operated on the IMS group chat room screen, or when the IMS wallet application When the common wallet generation icon of is touch-operated, it is determined that a common wallet is generated.

If it is determined not to generate a common wallet (A1; No), the IMS wallet application processing unit 213 shifts the process to the process related to other IMS wallet applications, not the process related to the common wallet.

On the other hand, if it is determined to generate a common wallet (A1; Yes), the common wallet generation processing unit 2131 of terminal A, as a non-limiting example, generates user A.A. Common wallet generation request information including the user ID of A, the group ID of group X, and the common wallet name set according to the user's operation is transmitted to the server 10 via the communication I/F 22 (A3).

When the common wallet management processing unit 115 of the server 10 receives the common wallet generation request information from the terminal A through the communication I/F 14 (D1), it associates the group ID included in the received common wallet generation request information with the common wallet. Generate a common wallet with the common wallet name included in the generation request information, generate common wallet management data stored together with the common wallet generation date and time and the common wallet generation group user ID, and correspond to this group ID in the group management database 156 stored in the group management data.

After that, the common wallet management processing unit 115 of the server 10 transmits a common wallet creation notification to the effect that the common wallet has been created to each of the terminals A, B, and C via the communication I/F 14 (D3).

When the IMS wallet application processing units 213 of terminal A, terminal B, and terminal C respectively receive the common wallet generation notification from the server 10 via the communication I/F 22 (A5, B5, C5), a common wallet is generated in association with group X. A common wallet generation notification process is performed to notify the user by displaying a message to the effect that it has been created on the display unit 24 (A7, B7, C7).

Next, the IMS wallet application processing unit 213 of terminal A determines whether or not to set a target amount (A9). Specifically, for example, when the target amount icon is touch-operated on the display screen of the IMS wallet application as shown in FIG. 2-3, it is determined that the target amount is to be set.

If it is determined to set the target amount (A9; Yes), the target amount setting processing unit 2133 of terminal A sets the target amount (A11). Specifically, for example, a target amount setting screen as shown in FIG. Then, the target amount setting processing unit 2133 of the terminal A transmits target amount information indicating the set target amount to the server 10 via the communication I/F 22 (A13).

When the common wallet management processing unit 115 of the server 10 receives the target amount information from the terminal A through the communication I/F 14 (D5), the target amount indicated by the received target amount information is transferred to the corresponding group management data in the group management database 156. be stored in the common wallet management data of

After that, the IMS wallet application processing unit 213 of terminal A determines whether or not to make a deposit request (A15). Specifically, for example, in the display screen of the IMS wallet application as shown in FIG. 2-3, when a touch operation is performed on a deposit request icon, it is determined that a deposit request will be made.

If it is determined to request payment (A15; Yes), the payment request processing unit 2135 of terminal A performs payment request setting (A17). Specifically, for example, a deposit request screen such as that shown in FIGS. Then, the payment request processing unit 2135 of the terminal A, based on the payment request setting, as a non-limiting example, the terminal A's user A.P. Payment request information in which the user ID of A, the user IDs of the group users (here, users B.B and C.C.) requesting payment, and the requested payment amount are associated with each other are sent to the server 10 via the communication I/F 22. Send (A19).

When the common wallet management processing unit 115 of the server 10 receives the deposit request information from the terminal A through the communication I/F 14, the user of the user ID included in the received deposit request information (here, user BB, user C.C.) ) (here, terminals B and C), a payment request notification for requesting payment of the requested payment amount associated with the user ID is transmitted via the communication I/F 14 .

After A19, the IMS wallet application processing unit 213 of terminal A determines whether or not to deposit money (A21). Specifically, for example, in the display screen of the IMS wallet application as shown in FIG. 2-3, it is determined that the deposit is to be made when the deposit icon is touched.

If it is determined that payment is to be made (A21; Yes), the payment processing unit 2136 of terminal A causes the display unit 24 to display a payment screen as shown in FIGS. The amount of money to be deposited is set in accordance with the user's operation on the output unit 23 . Then, the deposit processing unit 2136 of terminal A receives user A. The deposit information including the user ID of A and the deposit amount is transmitted to the server 10 via the communication I/F 22 (A23).

When the IMS wallet application processing unit 213 of terminal B receives the deposit request notification from the server 10 via the communication I/F 22 (B19), it determines whether or not to deposit (B21). Then, if it is determined that the deposit is to be made (B19; Yes), the deposit processing unit 2136 of the terminal B receives the deposit from the user B. The payment information including the user ID of B and the payment amount is transmitted to the server 10 via the communication I/F 22 (B23).
The same is true for terminal C (C19 to C23).

When the common wallet management processing unit 115 of the server 10 receives the deposit information from the terminal A through the communication I/F 14 (D11), it performs deposit management processing (D13). Specifically, as a non-limiting example, the user management data for the user ID included in the received deposit information is updated by subtracting the deposit amount from the balance of the IMS wallet management data, and the common wallet of the common wallet management data is updated. Add the deposit amount to the balance and update it.

After that, the IMS wallet application processing unit 213 of terminal A determines whether or not to settle from the common wallet (A31). Specifically, for example, when the payment icon is touch-operated on the display screen of the IMS wallet application as shown in FIG. 2-3, it is determined that the payment will be made from the common wallet.

If it is determined that the payment will be made from the common wallet (A31; Yes), the payment request processing unit 2137 of terminal A sends information necessary for payment to the server 10 via the communication I/F 22, and sends it to the server 10. Settlement request processing for requesting execution of settlement is performed (A33).
The same applies when terminal B and terminal C make payments from the common wallet (B31 to B33).

When receiving the payment request from the terminal 20, the payment management processing unit 113 of the server 10 performs payment processing (D33). The settlement processing method is, for example, as described above. Then, the payment management processing unit 113 of the server 10 updates the common wallet balance of the common wallet management data by subtracting the payment amount.
The same is true when payment requests are received from terminals B and C.

After that, the common wallet management processing unit 115 of the server 10 sends the payment result information including, for example and not limitation, the user name of the terminal 20 user who received the payment request, the payment amount, and the details of the payment. /F14 to send to the terminal 20 that received the settlement request (D35). In addition, the common wallet management processing unit 115 of the server 10, as a non-limiting example, for notifying that another group user has made a settlement with IMS money in the common wallet, Other user payment execution notification including the user name of the user, the amount of payment, and information on the details of the payment is sent to the terminal 20 of the group user other than the user of the terminal 20 who received the payment request via the communication I/F 14 (D37 ).

The IMS wallet application processing unit 213 (A35, B35, C35) of the terminal 20 that has received the settlement result information from the server 10 via the communication I/F 22 causes the display unit 24 to display the information included in the received settlement result information. Then, settlement result notification processing is performed to notify the user of the settlement result (A37, B37, C37).

In addition, the IMS wallet application processing unit 213 of the terminal 20 that has received the other user payment execution notification from the server 10 via the communication I/F 22 (A39; Yes, B39; Yes, C39; Yes) responds to the received other user payment execution notification Other user settlement execution notification processing is performed to notify that another group user has made a settlement with IMS money in the common wallet by displaying the included information on the display unit 24 (A41, B41, C41).

After that, the IMS wallet application processing unit 213 of terminal A determines whether or not to discard the common wallet (A43). Specifically, for example, when the discard icon is touched on the display screen of the IMS wallet application as shown in FIG. 2-3, it is determined that the common wallet is to be discarded.

If it is determined to discard the common wallet (A43; Yes), the balance distribution processing unit 2139 of terminal A sets the balance distribution (A45). Specifically, as a non-limiting example, a display screen for distributing the balance of the common wallet (eg, FIGS. 2-12 to 2-18) is displayed on the display unit 24, and the common wallet is displayed according to the user's operation. determine the allocation of the balance of

Next, the IMS wallet application processing unit 213 of terminal A sends the balance distribution information including the user IDs of the group users to whom the balance of the common wallet is distributed and the distribution amount based on the balance distribution settings to the communication I/F 22. to the server 10 (A47). When the common wallet management processing unit 115 of the server 10 receives the balance distribution information from the terminal A through the communication I/F 14 (D39), the shared wallet management processing unit 115 stores the distribution amount in the IMS wallet management data for the user whose user ID is included in the received balance distribution information. will be added to and updated in the balance of

After that, the common wallet management processing unit 115 of the server 10 transmits a balance distribution notification to the effect that the balance of the common wallet has been distributed to each of the terminals A, B, and C via the communication I/F 14 (D45). Then, the common wallet management processing unit 115 of the server 10 ends the common wallet management processing.

When the IMS wallet application processing unit 213 of terminal A receives the balance distribution notification from the server 10 via the communication I/F 14 (A49), as a non-limiting example, the IMS wallet application processing unit 213 notifies that the balance of the common wallet has been distributed and the distribution amount. Balance distribution notification processing is performed to notify the user by displaying on the display unit 24 (A51). Then, the IMS wallet application processing unit 213 of terminal A ends the IMS wallet application processing.
The same applies to terminal B and terminal C as well.

<Effects of this embodiment>
In the present embodiment, one group user's terminal 20 (not limited, but an example of a first terminal) is connected to the server 10 (not limited, but an example of a server that manages payment by electronic money) with IMS money (limited , an example of the electronic money) (not limited, but an example of the information of the first electronic money) is transmitted to the server 10 via the communication I/F 22 . Then, one group user or one group user's terminal 20 and another group user (not limited, but an example of a second terminal user) or another group user's terminal (not limited, but an example of a second terminal ) can be used at least by another group of users, the information of the deposited amount of IMS money transmitted to the server 10 by the terminal 20 of the other group user (not limited, but an example of the information of the second electronic money), and the above one group The terminal 20 sends the payment to the server 10 based on the IMS money of the common wallet (not limited to, but an example of the third electronic money) based on the information of the deposited amount of the IMS money sent to the server 10 by the user's terminal 20. Executes the requested payment request processing (not limited to, but an example of processing related to payment). Then, for example, the balance of the common wallet processed by the server 10 is at least the amount distributed to one group user (not limited, but an example of the fourth electronic money) and the amount distributed to other group users (limited (an example of the fifth electronic currency). Terminal 20 of one group user is configured to receive distribution amount information (not limited, but an example of information about the fourth electronic money) transmitted from server 10 via communication I/F 22 .
As an example of the effect obtained by such a configuration, after the third electronic money is divided between the user of the first terminal and the user of the second terminal, information about the fourth electronic money after division is sent to the first terminal. Receiving becomes possible, and the user's convenience can be improved.

In addition, in the present embodiment, the information on the amount of money to be distributed to other group users (an example of information on the fifth electronic money, without limitation) is transmitted by the server 10 to the terminals 20 of the other group users. It is shown.
As an example of the effect obtained by such a configuration, it becomes possible to cause the second terminal to receive information regarding the fifth electronic money after division, and thus user convenience can be improved.

In addition, in the present embodiment, the terminal 20 of one group user performs a deposit process (not limited to, the user of the first terminal or the electronic money of the first terminal) that transmits information on the deposit amount of IMS money to the server (an example of processing for reducing the balance of ) is performed to reduce the IMS money balance of this one group user or the terminal 20 of this one group user to the server 10 . In addition, the terminal 20 performs balance distribution processing for distributing the balance of the common wallet (not limited to, but an example of processing for increasing the balance of the user of the first terminal or the electronic money of the first terminal), A configuration is shown in which the balance of IMS money of the terminal 20 of one group user or one group user is increased to the server 10 .
As an example of the effect obtained by such a configuration, the terminal 20 causes the control unit 21 to perform a process of decreasing the balance of the electronic money of the first terminal or the user of the first terminal based on the information about the first electronic money. By doing so, the balance can be adjusted to an appropriate value. In addition, the terminal 20 causes the control unit 21 to increase the balance of the user of the first terminal or the electronic money of the first terminal based on the information about the fourth electronic money, so that the balance becomes an appropriate value. can be made

In addition, in the balance distribution process of the present embodiment, the amount of IMS money distributed to one group user (not limited, but an example of the fourth electronic money) and the amount of IMS money distributed to other group users (limited Not only, but an example of the fifth electronic money) is a structure that is evenly divided from the balance of IMS money in the common wallet that has been settled (not limited, but an example of the balance of the third electronic money that has been settled) It is shown.
As an example of the effect obtained by such a configuration, the fourth electronic money and the fifth electronic money can be equally divided.

In addition, in this embodiment, in the balance distribution process, the balance of the common wallet (not limited, but an example of the balance of the third electronic money that has been settled) is the amount deposited by one group user (not limited, One group user's distribution amount (not limited, fourth electronic money (an example of the information of the 5th electronic money) and the distribution amount of other group users (an example of the information of the fifth electronic money, not limited).
As an example of the effect obtained by such a configuration, based on the information on the first electronic money and the information on the second electronic money, the balance of the third electronic money that has undergone payment processing is calculated based on the information on the fourth electronic money and the information on the fifth electronic money. It can be divided into electronic currency information and information. For example, when the value of the first electronic money is greater than that of the second electronic money, splitting such that the value of the fourth electronic money is greater than that of the fifth electronic money will create a sense of unfairness. can be prevented from occurring.

Further, in the present embodiment, in the balance distribution process, information for dividing the balance of the common wallet (not limited, but an example of the balance of the third electronic money that has been settled) is displayed on the display unit 24 of the terminal 20. configuration is shown.
As an example of the effect obtained by such a configuration, information for designating how to divide the balance of the third electronic money that has undergone payment processing can be displayed in the display area of the first terminal. Therefore, user convenience can be improved.

In addition, in this embodiment, the display unit 24 of the terminal 20 displays information for the user to freely divide the balance of the common wallet (not limited to, but an example of the balance of the third electronic money that has been settled). showing configuration.
As an example of the effect obtained by such a configuration, settlement processing is performed in a manner in which the value of the fourth electronic money and the value of the fifth electronic money, which are divided from the balance of the third electronic money that has been settled, can be changed. Information for designating how to divide the balance of the third electronic money can be displayed in the display area of the first terminal, so that convenience for the user can be improved.

In addition, in this embodiment, the user can calculate the balance of the common wallet (not limited to, the balance of the third electronic money) using graphs such as pie charts, bar graphs, and band graphs displayed on the display unit 24 of the terminal 20. An example) is shown.
As an example of the effect obtained by such a configuration, by using a graph, it is possible to divide the balance of the third electronic money that has undergone payment processing by a simple user operation and is intuitively understandable.

In addition, in the present embodiment, the terminal 20 has a target amount of IMS money (a An example of a procurement target value (not a limitation) is set, and the set target amount is displayed on the display unit 24 .
As an example of the effect obtained by such a configuration, a procurement target value of electronic money that can be used at least by the user of the first terminal or the first terminal and the user of the second terminal or the second terminal is set, and the electronic money is displayed in the display area of the first terminal, the user can grasp the target procurement value, and convenience for the user can be improved.

In addition, in the present embodiment, the terminal 20 displays on the display unit 24 information requesting the user of the terminal 20 different from the own terminal 20 to deposit IMS money (not limited to, but an example of investment in electronic money). configuration is shown.
As an example of the effect obtained by such a configuration, in order to display information requesting a user of a terminal different from the first terminal to make a contribution using electronic money in the display area, information regarding a request for contribution to be made to a user of a different terminal is presented to the user. can be grasped, and the user's convenience can be improved.

In addition, in this embodiment, the terminal 20 provides information for setting the deposit amount of IMS money to be requested to a terminal 20 different from its own terminal 20 (not a limitation, but an example of the value of contribution of electronic money). A configuration for displaying on the display unit 24 is shown.
As an example of the effect obtained by such a configuration, a display for setting a contribution value of electronic money to be requested to a terminal different from the first terminal is displayed in the display area, so that a terminal different from the first terminal can The user can freely set the investment value of the electronic money to be requested, and the user's convenience can be improved.

<Modification (1)>
In the above embodiment, the electronic money is explained as IMS money, but it is not limited to this. The electronic currency is not limited to IMS money, and includes, but is not limited to, so-called virtual currency, in-game currency, gift codes sent (presented) as gifts from users of other terminals 20, and various types of IMS points. It can be a concept that includes general payment means that can be used by the user as an alternative to cash, such as points sent (presented) to the user (user terminal) by the point service of .

Electronic coupons, which are coupons used as cash vouchers or discount coupons and are electronic coupons, are also substitutes for cash, although they have a slightly different nuance from money. For this reason, the electronic coupon may be regarded as electronic money in the present disclosure, and the same processing as in the above-described embodiment may be performed, or such processing may not be performed.

For example, the points sent (presented) to the user (user's terminal) by the above-mentioned point service are often expressed in units of "-points" instead of "-yen". However, even in this case, in the above embodiment, the balance of the common wallet is the value of the remaining points in the common wallet (remaining value, remaining value), and the amount of money deposited into the common wallet is Deposit points (deposit value, deposit value, investment value, investment value), and if the distribution amount from the common wallet is the distribution point from the common wallet (distribution value, distribution value, refund value, refund value) , the information processing method and the like in the present disclosure can be realized by the same configuration and processing as those of the above embodiments.
The same applies to the case of using electronic money other than points, such as those exemplified above.

<Effect of modification (1)>
As an example of the effect obtained by this modification, the terminal can transfer the processed third electronic money to the information of the fourth electronic money and the information of the fifth It can be divided into monetary information and

<Modification (2)>
In the above embodiment, an example of creating a common wallet among group users included in a group formed by an IMS application was shown, but it is not always necessary for group-formed users to create a common wallet. A common wallet can be generated between two or more users who are configured to be able to send and receive content by being registered as contacts or as friends.

<Effect of modification (2)>
As an example of the effect obtained by this modified example, it is possible to configure information of a third electronic currency that can be used by users of terminals 20 other than the group formed in IMS.

<Modification (3)>
In the above embodiment, the server 10 manages data related to the common wallet, but the invention is not limited to this. For example, the terminal 20 of the user who created the common wallet may or may not manage data related to the common wallet. In this case, for example, the terminal 20 of another group user may communicate with the terminal 20 of the user who created the common wallet via the server 10 to share the balance of the common wallet.

<Effect of modification (3)>
As an example of the effect obtained by this modification, the terminal 20 manages information about the third electronic money, thereby reducing the processing load on the server that manages settlement.

<Modification (4)>
In the above-described embodiment, the user performs various settings such as settings related to requesting deposits to the common wallet and settings related to balance distribution of the common wallet within the IMS wallet application of the terminal 20, but the present invention is not limited to this. . For example, in the group chat room of the IMS application, various settings such as settings related to the above-mentioned deposit request to the common wallet and settings related to the balance distribution of the common wallet may be made, or not. good.

<Effect of modification (4)>
As an example of the effect obtained by this modification, it is possible to set the investment of electronic money and the division of electronic money while sending and receiving contents including messages in the IMS application. can improve sexuality.

<Modification (5)>
In addition, requests for deposits to the common wallet and distribution of the balance of the common wallet can be made not only by the user who created the common wallet, but also by any user included in the group set as the group to which the common wallet is applied. can do. In the above embodiment, not only the user who is the representative of the group, but also other group users included in the same group make settings related to deposit requests to the common wallet and balance distribution of the common wallet, and then start the server 10. It is possible to request payment and balance distribution to other users via the website.

<Effect of modification (5)>
As an example of the effects obtained by this modified example, it is possible to set up settings related to investment of electronic money and settings related to division of electronic money on the terminal of any user among a plurality of users who jointly contribute electronic money. Therefore, user convenience can be improved.

1 communication system 10 server 20 terminal 30 network 40 commercial transaction system

Claims (13)

A program executed by a first terminal that communicates with a server that manages payment by electronic money,
transmitting the information of the first electronic money to the server by the communication unit of the first terminal;
Information of a second electronic currency transmitted by the second terminal and the first electronic currency that can be used at least by the user of the first terminal or the first terminal and the user of the second terminal or the second terminal transmitting payment request information for performing payment processing based on the third electronic money based on the information of the communication unit to the server;
the balance of the third electronic money that has undergone the settlement process is divided into at least information about the fourth electronic money and information about the fifth electronic money, and information about the fourth electronic money transmitted from the server is transmitted by the communication unit to receive;
A control unit of the first terminal performs a process of increasing the balance of the user of the first terminal or the electronic money of the first terminal based on the information about the fourth electronic money. be done. The program according to claim 1,
The information about the fifth electronic money is information transmitted from the server to the second terminal. The program according to claim 1 or claim 2,
The first terminal causes the control unit to decrease the balance of the user of the first terminal or the electronic money of the first terminal based on the information about the first electronic money. The program according to any one of claims 1 to 3,
The fourth electronic money and the fifth electronic money are electronic money divided into equal values from the balance of the third electronic money that has been settled. The program according to any one of claims 1 to 3,
The balance of the third electronic money that has undergone payment processing is based on the information on the first electronic money and the information on the second electronic money, and on the information on the fourth electronic money and the information on the fifth electronic money. Divided balance . The program according to any one of claims 1 to 3,
The first terminal displays information regarding the division of the balance of the third electronic money that has undergone payment processing on the display area of the first terminal. The program according to claim 6,
The value of the fourth electronic money and the value of the fifth electronic money, which are divided from the balance of the third electronic money that has been processed for payment, are inputs to the information on the division of the balance displayed in the display area. changed based on The program according to claim 7,
Information about the division of the balance is graphically displayed in the display area. The program according to any one of claims 1 to 8,
A procurement target value of the electronic money that can be used by at least the user of the first terminal or the first terminal and the user of the second terminal or the second terminal is set, and the target procurement value of the electronic money is set. Displaying on the display area of the first terminal is performed by the first terminal. The program according to claim 9,
The first terminal displays, in the display area, information requesting a user of a terminal different from the first terminal to make a contribution using the electronic money. A program according to claim 10,
The first terminal displays, on the display area, a value for setting the contribution value of the electronic money requested to a terminal different from the first terminal. An information processing method for a first terminal that communicates with a server that manages payment by electronic money, comprising:
transmitting the information of the first electronic money to the server by the communication unit of the first terminal;
Information of a second electronic currency transmitted by the second terminal and the first electronic currency that can be used at least by the user of the first terminal or the first terminal and the user of the second terminal or the second terminal transmitting payment request information for performing payment processing based on the third electronic money based on the information of the communication unit to the server;
the balance of the third electronic money that has undergone the settlement process is divided into at least information about the fourth electronic money and information about the fifth electronic money, and information about the fourth electronic money transmitted from the server is transmitted by the communication unit to receive;
The control unit of the first terminal performs a process of increasing the balance of the user of the first terminal or the electronic money of the first terminal based on the information about the fourth electronic money. A terminal that communicates with a server that manages payment by electronic money,
a second electronic money transmitted by said second terminal, which transmits information of a first electronic currency to said server and is usable by at least a user of said terminal or said terminal and a user of said second terminal or said second terminal; transmitting payment request information for performing payment processing based on the third electronic money based on the money information and the first electronic money information to the server; a communication unit that receives information about the fourth electronic money divided into information about the fourth electronic money and information about the fifth electronic money and transmitted from the server;
a control unit that performs processing for increasing the balance of the electronic money of the user of the terminal or the terminal based on the information about the fourth electronic money.

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