Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
  • G06Q20/102—Bill distribution or payments
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q30/00—Commerce
  • G06Q30/04—Billing or invoicing
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/38—Payment protocols; Details thereof
  • G06Q20/384—Payment protocols; Details thereof using social networks
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
  • G06Q40/02—Banking, e.g. interest calculation or account maintenance
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
  • H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
  • H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]
  • H04L51/046—Interoperability with other network applications or services

Definitions

• Sharing an expense between several people is a problem frequently encountered by groups of friends during a trip, a restaurant outing or even in the context of a shared flat.
• Such applications sometimes allow users to link a bank account so that transfers can be made easily from the dispatch application to make refunds.
• a method for distributing between a first and at least a second user the amount of a banking transaction carried out by the first user, the first and second users forming a group of users, the method being characterized in that the user group is a discussion group configured in an instant messaging service and in that it comprises the following steps: Receipt of a dispatch request from a terminal of the first user, the dispatch request comprising at least:
• the method thus makes it possible to distribute an expense or a revenue between users of a discussion group existing on an instant messaging platform. Because the distribution is made between the users of a preexisting group, the users do not have to enter additional information. Groups of friends are increasingly using instant messaging services to plan a trip or a weekend with others. Thus, such a discussion group created for the occasion can also be used to distribute the expenses incurred by each other for the preparations or during the stay.
• the method is for example implemented by a conversational agent (“chat-bot” in English) who can intervene in the discussion group by sending messages to the group.
• chat-bot in English
• the conversational agent calculates a distribution and transmits their balance to all the members of the group, in the form of an instant message.
• a group user can simply send a message to the group indicating the amount of an expense.
• the conversational agent associated with the discussion group intercepts the message, calculates a distribution and transmits a message indicating the amounts owed by each of the members, for example in the form of a zero, positive or negative balance.
• the dispatch request is received from a bank server or a banking application hosting banking services associated with the first user.
• the calculated distribution takes into account the number of individuals making up the group. Thus, when a person is added or removed from the group, the calculation of future distributions is automatically adapted to the new configuration of the group.
• the expression “conversational agent” (or “chatbot”) is understood to mean an automaton implemented by a server and adapted to take part in instant messaging conversations.
• a chat agent can be added to a discussion group to exchange messages with the group.
• Such a conversational agent can for example interpret commands or keywords included in messages it receives and send messages in response to requests from users or to particular events.
• Such conversational agents are generally implemented by computer programs executed on servers having communication interfaces adapted to receive and send instant messages, such as SMS, MMS or other types of messages, such as for example messages. messages that comply with the RCS standard or any other instant messaging protocol.
• balance should be understood here as the positive difference (debit balance) or negative (credit balance) between the total debit and the total credit of an account associated with a user.
• the balance of a user is the amount of his claim or debt to the group.
• the method is such that the step of sending a message to at least one member of the group is conditioned by the prior reception of a message from said at least one member of the group.
• the method is such that the distribution request received further comprises a subset of users belonging to said group, the distribution being calculated and the balances being updated only for said subset of users .
• the method thus makes it possible to disregard one or more persons from the group to calculate the distribution.
• Such a provision allows for example not to take into account children for the distribution of expenses when the group includes children and adults.
• the method is such that it further comprises a step of transmission, to a server hosting banking services of the first user, of a message comprising the balances associated with the different users belonging to the group.
• the harmful, positive or negative balances associated with the various members of the discussion group and updated during the calculation step are transmitted to a banking service of the user who requests a distribution.
• a bank account management application can display in association with a transaction statement, debts or debts vis-à-vis certain people. Monitoring a budget is thus improved.
• the instant message intended for at least one member of the group is sent to each of the members of the group, the message comprising the balance associated with each member of the group.
• the group member users receive a summary of their own debts or debts as well as those of the other members of the discussion group.
• the method is such that it further comprises a step of generating and sending an instant message to the group, the message comprising an identifier of the first user and an amount of the expenditure incurred .
• the invention relates to a method for requesting the allocation of an expenditure incurred by a user, the method being such that it comprises the following steps:
• a user can thus simply request, from a communication terminal such as a smartphone comprising for example a bank account management application, that an expense which appears on his account statement be distributed among the members of a discussion group existing on an instant messaging service.
• the allocation request method is such that the selection of a banking operation is carried out according to a characteristic of the means of payment used to carry out the operation.
• the distribution request method is such that it further comprises a preliminary step of obtaining an identifier of a user group of an instant messaging, the user group comprising at least the first user.
• the invention also relates to a device for distributing between a first and at least a second user the amount of a banking transaction carried out by the first user, the first and second users forming a group of users, the device being characterized in that the user group is a discussion group configured in an instant messaging service and in that it comprises:
• a reception module adapted to receive a distribution request from a terminal of the first user, the distribution request comprising at least:
• a module for obtaining at least one characteristic of the identified user group A calculator, adapted to calculate a distribution of the amount between the users of the group according to a distribution rule and the at least one characteristic of said group,
• a communication module adapted to send an instant message to at least one member of the group, the message comprising at least the updated balance associated with said at least one member of the group.
• the invention relates to a server comprising a distribution device as described above.
• the invention also relates to a device for requesting the distribution of an expenditure incurred by a user, the device being such that it comprises: a module for selecting a banking transaction from a statement of banking transactions, a module for sending a dispatch request message to a conversational agent associated with an instant messaging service, the dispatch request comprising at least:
• a module for receiving an instant message intended for said group of users comprising at least one balance associated with at least one member of the group.
• the invention relates to a communication terminal comprising a dispatch request device as described above.
• the different steps of the allocation method and / or the different steps of the allocation request method according to the invention are determined by instructions from computer programs.
• the invention also relates to a computer program on an information medium, this program being capable of being implemented in a server connected to a communication network and / or more generally in a computer, this program comprising instructions adapted to the implementation of the steps of a distribution method and / or of a distribution request method as described above.
• This program can use any programming language, and be in the form of source code, object code, or intermediate code between source code and object code, such as in a partially compiled form, or in any other desirable form.
• the invention also relates to an information or recording medium readable by a computer, and comprising instructions of a computer program as mentioned above.
• the information or recording medium can be any entity or device capable of storing the program.
• the support may include a storage means, such as a ROM, for example a CD ROM or a microelectronic circuit ROM, or else a magnetic recording means, for example a floppy disk or a disc. hard.
• the information or recording medium can be a transmissible medium such as an electrical or optical signal, which can be routed via an electrical or optical cable, by radio or by other means.
• the program according to the invention can in particular be downloaded from a network of the Internet type.
• the information or recording medium can be an integrated circuit in which the program is incorporated, the circuit being adapted to execute or to be used in the execution of the process in question.
• the distribution method and the server according to the invention have all or some of the above characteristics in combination.
• FIG. 1 illustrates a network architecture suitable for implementing the distribution and distribution request methods according to a particular embodiment of the invention
• FIG. 2 illustrates different stages of a distribution request method according to a particular embodiment
• FIG. 3 illustrates different stages of a distribution method according to a particular embodiment
• FIGS. 4a to 4d represent different displays on a communication terminal implementing the distribution request method according to a particular embodiment
• FIG. 5 is a table representing the evolution of balances associated with users of a group following different distribution requests
• FIG. 6 illustrates an architecture of a device suitable for implementing a distribution method according to a particular embodiment
• FIG. 7 illustrates a hardware of a device adapted to implement a method of request for distribution, in a particular embodiment.
• FIG. 1 represents a network architecture comprising a communication network 100, for example an Internet network.
• the network 100 includes an instant messaging server 101.
• Such a server is known to a person skilled in the art and allows users to exchange messages in accordance with an instant messaging protocol.
• FIG. 1 also shows three communication terminals 104, 105 and 106, which are for example smartphones adapted to communicate with the messaging server 101 through the communication network 100.
• the terminals 104 to 105 are adapted to exchange messages with the instant messaging server 101 in accordance with an instant messaging protocol such as RCS (Rich Communication Suite), SIP SIMPLE, or even Jabber.
• the messaging server 101 is for example a commercial messaging service such as the well-known services “Skype TM” or “What's App TM” with which the terminals can exchange messages.
• the terminals 104 to 105 include, for example, an IM application implementing a compatible protocol.
• the network 100 further comprises a server implementing a conversational agent 103.
• a conversational agent is generally implemented by a computer program executed by a server and configured to exchange messages with users of an instant messaging service.
• the terminals 104 to 106 can send instant messages to the conversational agent 103 and receive messages generated and sent by the conversational agent 103 via the messaging server 101.
• messaging services offer the possibility for users to form discussion groups.
• Newsgroups are generally created by a first user, who can then invite other users of the messaging service to join the group.
• the users of the terminals 104 to 106 form a group 107.
• the message is generally relayed by the messaging server to all the members of this group. group, except the sender of the message.
• the terminal 104 transmits a message M to the group, the message will be received by the terminals 105 and 106.
• the advantage of such a group is that a user does not have to explicitly designate all the recipients of the message when sending a message.
• the terminal 105 responds to the message M
• the response message R is received by the terminals 104 and 106. The exchanges between several users are then facilitated.
• the group chat services offered by instant messaging platforms are enjoying increasing success today. For example, they allow friends using the same messaging service to easily plan a trip or an outing.
• Discussion groups also allow you to invite one or more conversational agents to a group.
• a conversational agent When a conversational agent is invited to a discussion group, he can send messages to the group, which will be received by the users who are members of the group. Likewise, the conversational agent can receive messages intended for the group.
• the messaging server treats the messages exchanged by the conversational agent in the same way as if it came from a traditional user.
• certain messaging services offer the possibility for a user of a group to send a message to a particular user of the group, by designating him explicitly when sending the message, the members of the group other than the recipient. explicitly indicated not receiving the message.
• the communication network 100 finally comprises a bank server 102.
• the bank server 102 hosts, for example, banking services subscribed by the user of the terminal 104.
• the server 102 offers the user of the terminal 104 to consult a statement of operations on a bank account of which he is the holder or to make bank transfers.
• the terminal 104 comprises for example a BK application configured to establish a secure connection with the bank server 101 and download a transaction report in order to allow consultation from the terminal 104.
• Such applications generally offer other services, such as the possibility of making bank transfers, pointing out expenses or filing transactions.
• FIG. 4a illustrates an example of display in the form of a list of 'a set of banking operations associated with a bank account of the user of the terminal 104.
• the user of the terminal 104 selects a banking operation 401 from the list by means of a touch screen of the terminal.
• the selection of the bank transaction 401 provides access to the details of the transaction.
• FIG. 4b illustrates an example of display of detailed information concerning the selected operation, for example the title 402 of the operation, its amount 403 or its date 404.
• the screen of the banking application BK represented in FIG. 4b is remarkable in that it includes an area 405 allowing the user to select a discussion group hosted by the messaging server 101.
• the terminal 104 transmits a message to the messaging server 101, the message comprising an identifier of the user of the terminal on the messaging service and a request for obtaining a list of the groups to which it belongs.
• the terminal displays in a suitable user interface the list of groups received.
• Figure 4b shows the groups “Trip to Stuttgart” and “Saturday Night Fever” of which the user is a member.
• the user selects one of the groups displayed in step 201 to request that the banking transaction, the details of which are being consulted, be distributed among the members of the selected group. For example, by touching the screen in the “Trip To Stuttgart” location, the user can choose to request the distribution of the expense among the members of the “Trip to Stuttgart” discussion group.
• This group corresponds for example to group 107 in FIG. 1, comprising the terminals 104 to 106.
• the selection of a particular group causes the sending in step 202 of a first message intended for the messaging server 101.
• This first message comprises at least one identifier of the selected group and a command for adding conversational agent 103 in the selected discussion group, for example in group 107, if it has not already been added beforehand.
• the selection of a group by the user causes, during a step 203, the transmission of a dispatch request message intended for the conversational agent 103, the message comprising at least one identifier of the user of the terminal 104, an identifier of the group 107 selected, and an amount of an operation to be shared.
• a message can include other information, such as for example a comment, a date, a type of operation, or any other desirable data.
• the message may include an indication that the recipient of the message is the conversational agent 103.
• the message is for example a message conforming to the instant messaging protocol implemented by the server 101.
• the terminal transmits this message to the messaging server which is responsible for relaying it to the conversational agent identified in the message.
• the terminal 104 transmits the message to the conversational agent 103 by means of a protocol distinct from the messaging protocol implemented by the server 102.
• the conversational agent can offer an interface http through which a terminal such as terminal 104 can transmit commands to the conversational agent.
• Such an order message also includes at least one identifier for the user of the terminal 104, an identifier for the selected discussion group 107 and an amount to be distributed.
• the selection of the banking operation to be distributed is carried out automatically by the banking server 102 for the operations corresponding to a particular criterion.
• a transaction to be distributed is selected according to a characteristic of the means of payment used to carry out the transaction, a date, a place or a day of the week.
• operations carried out using a particular means of payment for example those carried out with a particular credit card give rise, when they are recorded by the bank server, to the sending of a distribution request within a group previously associated with the payment method.
• the bank server 102 includes a database in which are stored selection criteria in association with identifiers of discussion groups on an instant messaging platform.
• the bank server 102 transmits, on behalf of the user of the terminal 104, a message requesting the distribution of the amount of the transaction to the conversational agent 103 associated to the discussion group corresponding to the selection criterion hosted by the messaging platform 101.
• the step 201 for selecting a discussion group comprises a sub-step for selecting a subset of users who are members of the discussion group.
• FIG. 4c illustrates a screen of the terminal 104 displayed when the user has selected a group with which to share an operation.
• selecting the “Trip to Stuttgart” group on the screen shown in Figure 4b causes the screen shown in Figure 4c to be displayed.
• the terminal obtains during this sub-step a list of users who are members of the selected group and displays on the screen of the terminal the list 406 of the users obtained.
• the user of the terminal 104 can select or deselect users from the list in order to form a subset of users. Identifiers of the selected users are added to the allocation request message sent in step 203. It is thus possible to exclude one or more users from the allocation request.
• the conversational agent 103 implements the distribution method according to a particular embodiment.
• the conversational agent 103 comprises for example a processor and a memory in which are loaded, from a storage medium such as a hard disk, instructions configured to implement the different steps of the distribution method described here. -after.
• the conversational agent 103 receives during a step 300 the dispatch request message sent by the terminal 104.
• the received message comprises at least one identifier of the user of the terminal 104 having sent the distribution request message, an identifier of the group selected from among the users from which the distribution is requested, and the amount of the transaction to be distributed.
• the received message can be an instant message sent by the terminal 104 to the messaging server 101 and relayed to the conversational agent. It can also be an http request received by an http request processing module from the server 101, such as for example by a web server from the server 101.
• the conversational agent 103 obtains at least one characteristic of the group of users identified.
• the conversational agent transmits for example a service message to the messaging server 101 comprising the group identifier and a command for obtaining information concerning the group.
• the characteristics received in response include for example the name of the group, the number of its members, its date of creation, or even the names and images associated with each user member of the group.
• the conversational agent calculates according to a distribution rule and according to at least one characteristic of the user group obtained in step 301, a distribution of the amount to be distributed among the users belonging to the group.
• the distribution rule is a fair distribution rule, according to which the contribution of each user to an expenditure corresponds to the amount of the expenditure divided by the number of users.
• Figure 5 shows how expenses incurred by users A, B, C and D can be distributed day after day. It can be seen that user B incurs an expenditure of € 40 on the second day.
• the balances corresponding to users A, B, C and D in application of the distribution rule are respectively -10 €, 30 €, -10 € and -10 €. In other words, user B has a debt of € 30, and users A, C and D have a debt of € 10.
• Figure 5 shows the evolution of the balance of each user according to the expenses incurred day after day in application of the same distribution rule. It can be seen that the balance associated with each user following the calculation of a new distribution takes account of the previous distribution operations.
• the contribution of each user in the group can be weighted according to a predefined criterion, such as for example according to the number of dependents of a user during a stay or a level of income.
• the distribution can be carried out not only according to a distribution rule, but also according to a characteristic of the group.
• the distribution is carried out according to a number of users of the group, or according to a date of arrival and / or departure of a person from the group, or another criterion associated with a user of the group, such as for example the age of a user.
• the distribution may take into account only members of the group who are over 18 years of age, the minor users then being excluded from the distribution operations.
• the conversational agent updates, according to the calculated distribution, a balance associated with each of the users of the group.
• the conversational agent 103 can include a database in which balances are stored in association with user and group identifiers.
• the balances A, B, C and D calculated according to the equitable distribution rule described above and represented in FIG. 5 are stored by the conversational agent and associated with a user identifier on the messaging platform , and a newsgroup ID. In this way, the same individual belonging to several groups can be associated with different balances.
• the conversational agent During a step 304, the conversational agent generates an instant message comprising at least one updated balance associated with at least one member of the group and transmits the message to at least one member of the group.
• the conversational agent 103 generates a message comprising the names of the users of the terminals 14, 15, and 16.
• the message further comprises, for each of these users, the balance updated and stored following the application of the distribution rule.
• Such a message corresponds, for example, to message 407 shown in FIG. 4d.
• the message thus generated is sent by the conversational agent to group 107 so that it is distributed to terminals 104, 105 and 106.
• the conversational agent also transmits to the bank server 102 a message comprising the calculated breakdown, that is to say the debts or claims of each member of the group with respect to the transaction for which a breakdown has been requested.
• the banking server can thus associate a distribution with a banking operation appearing on a statement of operations of the user of the terminal 104.
• the user of the terminal 104 can thus easily know, for each distributed operation appearing on his account statement, the are to be collected or reimbursed by such and such a person.
• the step of sending a message to at least one member of the group is conditioned by the prior reception of a message from said at least one member of the group.
• the prior message can be a message written by a user in natural language, for example a message sent by the user of the terminal 105 and comprising the character string "My Balance".
• the message is received by the conversational agent and interpreted by an interpreter, then if the interpreter detects a particular command, the conversational agent transmits to the terminal 105 the balance associated with its user.
• a message with the words "All balances" can trigger the sending of a message including the balances of all users in the group, the message can be sent only to the user who requested it, or to all users.
• the distribution request received in step 300 further comprises a subset of users belonging to said group, the distribution being calculated for said subset of users.
• the distribution rule is applied to the subset of users, and no longer to all of the members of the group. Only the balances of users whose identifier appears in the allocation request message are affected by the new allocation.
• the method further comprises, following the receipt of a request for distribution of the amount of a banking transaction, a step of generating and sending an instant message to members of the group , the message comprising at least an identifier of the first user and an amount of the expenditure incurred.
• the conversational agent 103 when it receives a distribution request from the terminal 104, it transmits a message to the group, the message comprising at least one identifier of the user who made the distribution request and an associated amount to this distribution.
• Such a message corresponds for example to message 408 shown in FIG. 4d.
• the reception of such a message by the users of the group allows them to become aware of an operation initiated by a user of the group on behalf of the users of the group.
• the terminal 104 receives the message sent by the conversational agent in step 304.
• the message received comprises at least one updated balance associated with at least one member of the group.
• the message includes the list of users of the group, and for each of these users, an amount of a debt or a debt owed to the other members of the group.
• the cumulative amounts of debts or receivables associated with the group's users correspond to a balance for each of the users.
• the terminal 104 receives via the instant messaging application IM a message such as the message 407 illustrated in FIG. 4d.
• Such a message includes a balance associated with each user.
• the message having been generated and transmitted to the discussion group by the conversational agent, it is also received by the terminals 105 and 106.
• FIG. 6 represents the architecture of a device 600 adapted to implement the distribution method, according to a particular embodiment of the invention.
• the device 600 comprises a data processing module comprising a storage space 601, for example a memory (MEM), a processing unit 602, equipped for example with a microprocessor (PROC), and controlled by the computer program (PGR) 603 implementing the distribution method as described above with reference to FIG. 3.
• a data processing module comprising a storage space 601, for example a memory (MEM), a processing unit 602, equipped for example with a microprocessor (PROC), and controlled by the computer program (PGR) 603 implementing the distribution method as described above with reference to FIG. 3.
• MEM memory
• PROC microprocessor
• PGR computer program
• the code instructions of the computer program 603 are for example loaded into memory before being executed by the processor of the processing unit 602.
• the microprocessor of the processing unit 602 implements, according to the instructions of the computer program 603, the steps of the distribution method, and in particular the steps of receiving a distribution request from a terminal of the first user, the distribution request comprising at least one identifier of the first user, an identifier of an instant messaging user group, and an amount to be distributed, obtaining at least one characteristic of the identified user group, calculating according to a distribution rule and the at least a characteristic of the user group, of a distribution of said amount between the users belonging to the group, of updating, according to the calculated distribution, of a balance associated with each n users of the group, and sending an instant message to at least one member of the group, the message comprising at least the updated balance associated with said at least one member of the group.
• the device comprises a reception module 604, adapted to receive a distribution request from a terminal of the first user, the distribution request comprising at least an identifier of the first user, an identifier of a group of instant messaging users, and an amount to distribute.
• a reception device is for example a COM communication interface, such as an Ethernet or WiFi interface, controlled by computer program instructions adapted to be executed by the PROC processor of the device and configured to receive and interpret a message conforming to an instant messaging protocol.
• the device 600 further comprises a module 605 for obtaining at least one characteristic of the group of users identified.
• a module is for example implemented by computer program instructions adapted to be executed by a processor such as processor 602 and configured to send, via the communication module 604, a service message to a messaging server, the message comprising a command for obtaining characteristics relating to a group whose identifier is included in the message.
• the instructions are also configured to receive, via the communication module 604, a response message comprising characteristics of the identified group, such as the number of user members of the group, their names, the date of creation of the group or adding members.
• the device 600 also includes a calculator 606, adapted to calculate a distribution of the amount between the users of the group according to a distribution rule and the at least one characteristic of said group.
• the module is for example implemented by computer program instructions adapted to be executed by the processor 602 and configured, for example, to distribute an amount equally between the users of the group.
• the distribution rule applied is for example a division of the amount of the transaction to be distributed by the number of users obtained via the characteristics of the group.
• the module 600 also includes an update module 607, according to the calculated distribution, of a balance associated with each of the users of the group.
• the module 607 can also be implemented by computer program instructions configured to add the share calculated by the computer 606 for each of the users with a residual balance stored for each user in a database of the device, the instructions being further configured to store the new balance obtained.
• the communication module 604 is further configured to send an instant message to at least one member of the group, the message comprising at least the updated balance associated with said at least one member of the group.
• the module 604 can be controlled by computer program instructions configured to obtain, by a request to the database in which the balances associated with the users of the group are stored, the updated balance of at least a user and transmit via an instant message, the balance obtained and an identifier of the user with whom the balance is associated.
• the device 600 includes instructions adapted to be executed by the processor 602 and configured to implement any one of the various particular embodiments of the distribution method described above.
• the device is integrated into a server such as a messaging server, a bank server or a server hosting a conversational agent.
• a server such as a messaging server, a bank server or a server hosting a conversational agent.
• FIG. 7 represents the architecture of a device 700 adapted to implement the distribution request method, according to a particular embodiment of the invention.
• the device 700 comprises a data processing module comprising a storage space 701, for example a memory (MEM), a processing unit 702, equipped for example with a microprocessor (PROC), and controlled by the computer program (PGR) 703 implementing the allocation request method as described above with reference to FIG. 2.
• a data processing module comprising a storage space 701, for example a memory (MEM), a processing unit 702, equipped for example with a microprocessor (PROC), and controlled by the computer program (PGR) 703 implementing the allocation request method as described above with reference to FIG. 2.
• the code instructions of the computer program 603 are for example loaded into memory before being executed by the processor of the processing unit 602.
• the microprocessor of the processing unit 602 implements, according to the instructions of the computer program 603, the steps of the allocation request method, and in particular the steps of selecting a banking transaction from a statement of banking transactions, of sending a request to a conversational agent associated with an instant messaging service, the dispatch request comprising at least one user identifier, an identifier of a group of instant messaging users, and an amount to be distributed, and for receiving an instant message intended for said group of users comprising at least one balance associated with at least one member of the group.
• the device 700 comprises a module 705 for selecting a banking transaction from a statement of banking transactions.
• the selection module comprises a touch screen 706 adapted to display a list of banking operations recorded on a user's bank account.
• the list of operations is for example downloaded from a bank server and restored on a screen of the device.
• the touch screen is further adapted to relate a contact on the screen of the device to a banking transaction displayed at the location where the contact is detected and to select the corresponding transaction.
• the device 700 also includes a module 704 adapted to send a dispatch request to a conversational agent associated with an instant messaging service, the dispatch request comprising at least one identifier of the user, an identifier of a group of users. instant messaging, and an amount to distribute.
• the module 704 is for example a communication interface adapted for exchanging messages with other devices through a communication network.
• the communication interface is for example a Bluetooth, WiFi, 3G, 4G interface controlled by computer program instructions configured to generate a dispatch request message confirms to an instant messaging protocol and to obtain the identifier of the user and user group and an amount from a device memory.
• the communication module 704 is further adapted to receive an instant message intended for said group of users and comprising at least one balance associated with at least one member of the group.
• the module 704 is controlled by computer program instructions configured to receive a message conforming to an instant messaging protocol and to extract therefrom a balance associated with at least one user member of the instant messaging group.
• the device is integrated into a mobile terminal of the smartphone type or into a bank server.

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• 2018
  • 2018-06-22 FR FR1855608A patent/FR3081588A1/fr active Pending
• 2019
  • 2019-06-06 CN CN201980040763.XA patent/CN112334932A/zh active Pending
  • 2019-06-06 WO PCT/FR2019/051349 patent/WO2019243699A1/fr unknown
  • 2019-06-06 EP EP19735370.9A patent/EP3811312A1/de not_active Withdrawn
  • 2019-06-06 US US16/492,856 patent/US20200258060A1/en not_active Abandoned

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