JP2020047184A - Program, information processing method, and information processing device - Google Patents

Abstract

To provide a program and the like that make it easy to identify split billing object users and improve users' convenience in split billing processing in settlement services.SOLUTION: A program by the present disclosure causes an information processing device to execute the steps of: receiving selection of split billing processing from a first user using the information processing device; an acquisition step of acquiring a candidate list including users satisfying a predetermined condition relating to a distance from the first user; receiving selection of at least one second user from in the candidate list; transmitting a settlement request for executing settlement processing including split billing processing of the first user and the second user to a server; and receiving a completion notice of the split billing processing or the settlement processing executed based on the settlement request from the server.SELECTED DRAWING: Figure 14

Description

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

  2. Description of the Related Art In recent years, a payment application has been developed that efficiently performs a split billing process for collecting a cost changed by a user. For example, Patent Literature 1 discloses a payment service that allows the user to input information on the number of split bills and who to bill on a payment application, and to request other users to pay the split bill.

JP 2013-238998 A

  However, when the user performs the split billing process by the QR code (registered trademark) settlement, the user selects the split target user from a social graph such as a friend list. Therefore, if the split target user is not registered in the social graph, it is necessary to first register the split target user in the social graph in order to perform the split billing process. For this reason, the procedure for specifying the split target user becomes complicated, and there is a need to easily specify the split target user.

  Therefore, an aspect of the present disclosure has an object to provide a program, an information processing method, and an information processing apparatus that can easily specify a user to be split.

  According to an embodiment of the present disclosure, there is provided a program for receiving, from a first user using the information processing apparatus, a selection of a split billing process, and An acquisition step of acquiring a candidate list including the above, a step of receiving a selection of at least one second user from the candidate list, and a settlement process including a split billing process between the first user and the second user. Transmitting the settlement request to the server, and receiving from the server a completion notification of the split processing or the settlement processing executed based on the settlement request.

FIG. 1 illustrates a configuration of a communication system according to an aspect of the embodiment. FIG. 2 illustrates an example of a hardware configuration of the information processing apparatus according to the present disclosure. FIG. 3 illustrates an example of a functional configuration of the server according to the first embodiment. FIG. 4 shows an example of each management DB. FIG. 5 shows an example of a functional configuration of the terminal. FIG. 6 illustrates an example of a function of the acquisition unit according to the first embodiment. FIG. 7 shows an example of a sequence of a processing procedure at the time of store-read code settlement performed by the communication system according to the first embodiment. FIG. 8 shows an example of a screen displayed on the terminal 120 according to the first embodiment. FIG. 9 illustrates an example of a processing sequence between the server and the terminal according to the first embodiment. FIG. 10 shows an example of a sequence of a processing procedure at the time of user-readable code settlement performed by the communication system according to the first embodiment. FIG. 11 illustrates an example of a processing sequence of the communication system according to the example 1B. FIG. 12 illustrates an example of a functional configuration of a server according to the second embodiment. FIG. 13 illustrates an example of a functional configuration of a terminal according to the second embodiment. FIG. 14 illustrates an example of a sequence of a processing procedure performed by the communication system 1 according to the second embodiment. 13 shows an example of a sequence of a processing procedure regarding creation and display of a candidate list performed by each terminal according to the second embodiment. FIG. 16 illustrates an example of a screen displayed on the terminal 120A according to the second embodiment. FIG. 17 shows an example of a candidate list display screen displayed on the terminal 120A according to the first embodiment. FIG. 18 illustrates an example of a payment completion notification display screen displayed on the terminal 120 according to the second embodiment.

<Legal compliance>
The disclosure set forth herein, if implemented, will be implemented in compliance with the laws of the countries where the disclosure is implemented. In addition, the disclosure described in this specification is implemented with all the changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art necessary to comply with the laws and regulations of each country.

  Embodiments for implementing a program, an information processing method, and an information processing device according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 illustrates a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A, the server 110B, the terminal 120A, the terminal 120B, the terminal 120C, the POS (Point of Sales) terminal 130A, the POS terminal 130B, The external system 140 is connected. The external system 140 is configured by, for example, but not limited to, a server operated by another business (such as a financial institution or a credit card company) or another business unit.

  In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

  In the present disclosure, when it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may be expressed as the terminal 120, respectively.

  In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing device 200, respectively. Note that the number of information processing devices 200 connected to the network 125 is not limited.

  The server 110 provides a predetermined service to the terminal 120 used by the user via the network 125. Examples of the predetermined service include, but are not limited to, a settlement service, a financial service, an electronic commerce service, an SNS (Social Networking Service) represented by an instant messenger, and a content providing service such as music, videos, and books. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

  In the present disclosure, a settlement service refers to a service that allows one or more users to transfer money or money equivalents. For example, but not limited to, settlement using one-dimensional codes (such as bar codes), two-dimensional codes (such as QR codes (registered trademark)), and short-range wireless communication (such as NFC, BLE, WI-FI, and ultrasonic waves) Including services to do. In addition, in settlement using an information code such as a one-dimensional code or a two-dimensional code as necessary, the term “user-readable code settlement” is used to refer to the fact that the user who makes the payment performs the settlement by reading the information code. Then, the user who pays displays the information code, and performing the settlement by reading the information code by the billing user (or the store) is referred to as “store-read-type code settlement”.

  If necessary, a terminal used by the user X is expressed as a terminal 120X, and user information in a predetermined service associated with the user X or the terminal 120X is expressed as user information X. The user information is information of a user associated with an account used by the user in a predetermined service. The user information is, by way of example and not limitation, a user's name, a user's icon image, a user's age, a user's gender, a user's address, and a user's hobby that are input by the user or given by a predetermined service. Including information associated with the user, such as an interest, an identifier of the user, balance information of electronic value (electronic money) associated with the user, and credit card information (such as a credit card number) associated with the user. Any one of or a combination thereof.

  The network 125 has a role of connecting two or more information processing apparatuses 200. The network 125 refers to a communication network that provides a connection path so that the terminal 120 can transmit and receive data after connecting to the server 110.

  One or more portions of network 125 may be a wired or wireless network. The network 125 includes, but is not limited to, an ad hoc network (Ad Hoc Network), an intranet, an extranet, a virtual private network (Virtual Private Network: VPN), a local area network (Local Area Network: LAN), wireless LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (MAN), part of the Internet, public switched telephone network (Public) Switched Telephone Network: part of PSTN, mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite Communication etc., or It may include two or more combinations of these. Network 125 may include one or more networks 125.

The information processing device 200 may be any information processing device that can implement the functions and / or methods described in the present disclosure.
The information processing apparatus 200 includes, but is not limited to, a smartphone, a mobile phone (feature phone), a computer (for example, but not limited to, a desktop, a laptop, and a tablet), a server device, and a media computer platform (for example, but not limited to). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (eg, but not limited to, PDA (Personal Digital Assistant), e-mail clients, etc.), wearable terminals (eg, but not limited to, glasses-type devices, Clock devices, etc.), other types of computers, or communication platforms.

  The POS terminal 130 is a terminal used by a user (such as a clerk) who receives payment from a user (customer) at a store, includes a two-dimensional code reader, and transmits the read two-dimensional code to the server 110. Has a function. The two-dimensional code reader may be a one-dimensional code reader or a three-dimensional code reader. Further, a one-dimensional code, a multidimensional code including a two-dimensional code, and a three-dimensional code may be referred to as an information code in the present disclosure.

<Hardware (HW; Hardware) configuration>
The HW configurations of the information processing device 200 and the POS terminal 130 included in the communication system 1 will be described with reference to FIG.

  The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The components of the HW of the information processing device 200 are interconnected via a bus B, for example, but not limited to.

  The information processing device 200 realizes the functions and / or methods described in the present disclosure by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. I do.

  The processor 201 executes a function and / or a method realized by a code or an instruction included in a program stored in the storage 203. The processor 201 includes, for example and without limitation, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics s Processing Unit), a microprocessor (microprocessor), a processor core, and a multiprocessor. ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and logic circuits (hardware) formed on integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc. Each processing disclosed in each embodiment may be realized by a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes described in each embodiment may be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like, depending on the degree of integration.

  The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area for the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing the program. The memory 202 includes, for example, without limitation, a random access memory (RAM) and a read only memory (ROM).

  The storage 203 stores a program for executing the functions and / or methods disclosed below. The storage 203 includes, for example, without limitation, a hard disk drive (HDD), a solid state drive (SSD), and a flash memory.

  The communication I / F 205 transmits and receives various data via the network 125. The communication may be performed by wire or wireless, and any communication protocol may be used as long as mutual communication can be performed. The communication I / F 205 has a function of executing communication with another information processing device via the network 125. The communication I / F 205 transmits various data to another information processing device in accordance with an instruction from the processor 201. Further, the communication I / F 205 receives various data transmitted from another information processing apparatus and transmits the data to the processor 201.

  The input / output I / F 204 includes an input device that inputs various operations to the information processing device 200 and an output device that outputs a processing result processed by the information processing device 200. In the input / output I / F 204, an input device and an output device may be integrated, or may be separated into an input device and an output device.

  The input device is realized by any one of all types of devices capable of receiving input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, for example and without limitation, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input through an image), and a microphone (operation input by voice).

  The output device is realized by any one of all types of devices capable of outputting the processing result processed by the processor 201 or a combination thereof. When outputting the processing result as a video and / or a moving image, the output device may be any one of or all devices capable of displaying the display data according to the display data written in the frame buffer. It is realized by a combination. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display)), a head mounted display (HDM), a projection mapping, and a hologram. And a device capable of displaying an image or text information in the air or the like (may be a vacuum), a speaker (audio output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

  The program according to each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium is capable of storing the program on a “temporary tangible medium”. The programs include, by way of example and not limitation, software programs and computer programs.

  The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs), such as, but not limited to, a field programmable gate array (FPGA), an application specific IC (ASIC), etc. ), 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 It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or a suitable combination of two or more thereof. A storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to information processing device 200 via any transmission medium (such as a communication network or a broadcast wave) capable of transmitting the program.
Further, each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which a program is embodied by electronic transmission.

  Note that the program of the present disclosure is implemented using, for example and without limitation, script languages such as JavaScript (registered trademark) and Python, C language, Go language, Swift, Koltin, and Java (registered trademark).

  At least a part of the processing in the information processing device 200 may be realized by cloud computing including one or more computers.

  At least part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be performed by another information processing device.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is performed when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. May be.

  In this disclosure, “or” has the inclusive, rather than exclusive, meaning unless otherwise stated or indicated by context. Thus, in this disclosure, "A or B" means "A, B, or both," unless stated otherwise or indicated by context. Further, “at least one of A and B” means “A, B, or both”. Further, unless otherwise specified or indicated by context, “a,” “an,” or “the” shall mean “one or more.” Thus, as used herein, unless otherwise indicated or indicated by context, “an A” or “the A” means “one or more A”.

  The present disclosure encompasses all changes, substitutions, variations, alterations, and modifications that may occur to those skilled in the art, to the embodiments and / or examples of the present disclosure. Similarly, where appropriate, the appended claims cover all changes, substitutions, variations, alterations, and modifications that may occur to those skilled in the art for the embodiments and / or examples of the present disclosure. Include. Further, the present disclosure is intended to enable one of ordinary skill in the art to make one or more features of the embodiments and / or examples of the present disclosure and one or more of the other embodiments and / or examples of the present disclosure. And any combination with one or more features.

  Additionally, a device or system or a component of a device or system that is adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function. Reference is made in the appended claims to the device, system, or component so adapted, arranged, capable, configured, enabled, enabled. As long as the device, system or component or its specific features are activated, turned on or unlocked, as long as the device, system or component is activated or operable.

  The present disclosure may obtain consent from a user before or immediately before implementing any embodiment or example, unless otherwise specified. The consent to be obtained may be comprehensive or may be obtained each time.

<First embodiment>
The first embodiment is an embodiment in which a user can use a terminal 120 to perform a split billing process when receiving a settlement service using an information code in online processing via a network 125.

  The information code is a code including a multidimensional code such as a one-dimensional code, a two-dimensional code, and a three-dimensional code. The one-dimensional code is not limited, and may be a barcode as an example. The two-dimensional code is not limited, and may be, for example, a QR code (registered trademark), AztecCode, PDF417, or the like. The three-dimensional code is not limited, and may be, for example, a PM code (registered trademark) in which a color is combined with a QR code (registered trademark) or the like. In the following description, for convenience of explanation, the description will be made on the assumption that payment is performed using a two-dimensional code. However, the first embodiment and the second embodiment are also applicable to payment using a multidimensional code including a one-dimensional code or a three-dimensional code. It is possible to

  In one aspect of the store-readable code settlement according to the first embodiment, the two-dimensional code displayed on the payment target user terminal 120 is read by the split target user terminal 120 and transmitted to the server 110. The terminal 120 of the payment target user acquires the total number of the split target based on the account information of the split target user transmitted from the server 110. The terminal 120 of the user to be paid acquires the split bill using the acquired total number, and transmits a settlement request including the split bill to the server 110. As a result, the split billing process can be easily executed without causing the user to perform complicated procedures.

  In one aspect of the store-reading code settlement in the first embodiment, the split billing user executes the split billing process when there is a predetermined relationship with the payable user. Further, in this aspect, it is also possible to have another user who has a predetermined relationship with the user to be paid pay the entire payment amount by proxy. As a result, it is possible to prevent an unrelated person from paying a part or all of the payment amount of the payment target user without permission or the like, thereby improving security.

  In one aspect of the user-readable code settlement in the first embodiment, the payment target user terminal 120 reads a two-dimensional code posted on a store or the like or a two-dimensional code displayed on the POS terminal 130 or the like, A two-dimensional code for split billing is generated based on the read two-dimensional code, and the generated two-dimensional code is displayed on a screen. Subsequent processing is the same as the processing of the store-reading code settlement, in which the terminal 120 of the split target user reads the two-dimensional code displayed on the terminal 120 of the payment target user, thereby performing split split processing and settlement processing. . As a result, the split billing process can be easily performed without the user performing a complicated procedure.

  Further, in one aspect of the user-readable code settlement in the first embodiment, the terminal 120 of each user who splits the two-dimensional code posted at a store or the like or the two-dimensional code displayed at the POS terminal 130 or the like is used. The information that is read and included in the read two-dimensional code and the account information of each user are transmitted to the server 110. The server 110 calculates the total number of split target users and the split amount based on the received information, and transmits the calculated information to each terminal 120. Thereby, even in the case of the user-readable code settlement, the split billing process can be easily executed without the user performing a complicated procedure. In addition, the terminal 120 only needs to read the two-dimensional code, display the split bill, and transmit a request for payment processing. Since substantial calculation processing is unnecessary, the processing speed of the terminal 120 is improved. Becomes possible.

  Further, since the disclosed technology of the first embodiment can be introduced without changing the existing system on the store side or the already-displayed two-dimensional code, the technology of the present disclosure can be easily applied to the store side. It becomes possible to apply to.

<Functional Configuration of First Embodiment>
(1) Functional Configuration of Server FIG. 3 is a diagram illustrating an example of a functional configuration of the server 110 according to the first embodiment. The functional unit disclosed in FIG. 3 is realized by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 included in the information processing apparatus 200.

  The server 110 includes, for example, an input / output unit 302, a communication unit 304, a pre-payment processing unit 306, a split billing processing unit 308, a payment processing unit 310, and a storage unit 312. The input / output unit 302 can be implemented using, for example, an input / output I / F 204. Further, the communication unit 304 can be realized using, for example, the communication I / F 205. The settlement pre-processing unit 306, the split billing unit 308, and the settlement processing unit 310 can be realized by the processor 201 reading and executing a program stored in the storage unit 312. The storage unit 312 is realized using the memory 202 and / or the storage 203.

  The storage unit 312 manages a program executed by the server 110 according to the first embodiment, a user management DB (DataBase) that manages account information of a user who uses two-dimensional code payment, and a predetermined relationship between users. And a payment management DB that manages the history of payment processing performed by the user. FIG. 4 is a diagram illustrating an example of each management DB.

  FIG. 4A shows an example of the user management DB. The user management DB manages information on each user's account created by the payment provider. The “user ID” stores user identification information (ID: Identifier) for the server 110 to uniquely identify a user. "Password" stores a password for user authentication. “Balance” stores the balance of money held by the user. Although not shown in FIG. 4A, the user management DB may temporarily store information of the two-dimensional code issued by the user terminal 120. The information of the two-dimensional code may include, for example and without limitation, code identification information for identifying the two-dimensional code, an expiration date of the two-dimensional code, and the like. Part or all of the information managed by the user management DB is also referred to as account information.

  FIG. 4B shows an example of the relation management DB. The “group ID” stores identification information for identifying a predetermined relationship between users. The “user ID” stores user identification information of a user having a predetermined relationship.

  The predetermined relationship means that the server 110 stores a predetermined relationship between two or more users. By way of example and not limitation, the predetermined relationship may be a relationship that has mutually approved a relationship building, a relationship where at least one has applied for a relationship building, a relationship built based on user information, a relationship built based on user behavior, a predetermined relationship. It may include a state in which a relationship has been established by satisfying the condition. The relationship constructed based on the user information may include a relationship in which users having one or more pieces of the same or similar user information are related to each other, and the relationship constructed based on the user behavior may be one or more. May include a relationship in which users having the same or similar user behavior are associated with each other.

  The user having a predetermined relationship with the user is not limited, and may be, for example, all users having a predetermined relationship with the user, a predetermined number of users, or an intimacy degree. May be a user of a predetermined degree or more.

  Here, the degree of intimacy refers to a relationship with the user within a predetermined period (a fixed period such as one month or two months, or a period from when a predetermined relationship is established to the present). The degree may be determined so that the degree of intimacy increases in the order of the amount of messages transmitted and received between them. Alternatively, the degree may be determined so that the degree of intimacy increases in descending order of the number of transactions (including purchase and sale of goods, exchange of assets, exchange of money, etc.) performed between users within a predetermined period.

  Further, the degree of intimacy may be a degree determined so that the degree of intimacy increases as the length of the period from the establishment of the predetermined relationship to the present becomes longer. The length of the period from the establishment of the predetermined relationship to the present may be an absolute value or a relative value among one or more users having a predetermined relationship with the user.

  Intimacy is defined such that, for a plurality of other users having a predetermined relationship with a user, the intimacy increases as the length of time during which the other user is within a predetermined range from the position of the user is longer. The degree may be determined. Intimacy is defined as a relationship estimated for a plurality of users having a predetermined relationship with the user based on a period from when the predetermined relationship is established to the present and the position information of each user (for example, family members). The degree may be determined such that the higher the degree of presumed to be related, the higher the degree of intimacy.

  The intimacy is a degree determined for a plurality of other users having a predetermined relationship with the user such that the greater the number of users common to the user (the number of common friends), the higher the intimacy. There may be.

  Intimacy is determined such that among users who have established a predetermined relationship with a user who is communicating with the user, the intimacy increases as the number of users having the predetermined relationship with the user increases. May be the degree to be performed.

  The intimacy level is a degree determined such that the higher the degree of similarity between the attribute of the user and each attribute of a plurality of users having a predetermined relationship with the user, the higher the intimacy level. Is also good. The attributes of the user may be interest or interest, by way of example and not limitation.

  By way of example and not limitation, the group ID “G01” shown in FIG. 4B represents a family, and the users indicated by the user IDs “U01”, “U03”, and “U05” are all members of one family. Indicates a member. In the association management DB, new groups and users may be registered by an administrator who manages this database.

  FIG. 4C is a diagram illustrating an example of the payment management DB. The “date and time” stores the date and time when the two-dimensional code settlement is completed. Store information (also referred to as a store ID) of the store where the two-dimensional code settlement is performed is stored in the “store ID”. Note that the store ID may be the ID of the POS terminal 130 when the store has a plurality of POS terminals 130. The “payment amount” stores a payment amount when the two-dimensional code settlement is performed. When there is a payment ID or the like which is information for identifying a payment, the payment management DB may manage the payment ID. This facilitates the search for payment information.

  The input / output unit 302 has a function of performing processing for receiving input of various data via the input / output I / F 204 and processing for outputting various data via the input / output I / F 204.

  The communication unit 304 performs a process of receiving various data from the terminal 120 and the POS terminal 130 via the communication I / F 205, and a process of transmitting various data to the terminal 120 and the POS terminal 130 using the communication I / F 205. It has a function to perform.

  The payment pre-processing unit 306 has a function of performing pre-processing for performing payment based on account information transmitted from the terminal 120 of each user. The pre-settlement process is a process for acquiring a split bill, and includes various processes. For example, in response to the account information transmission request from the terminal 120, the payment pre-processing unit 306 transmits the user's account information to a predetermined terminal 120. Further, the settlement pre-processing unit 306 may calculate the total number of users to be split based on the transmitted account information of each user, or may calculate the split amount by dividing the total number of users from the payment amount. Good.

  The split billing processor 308 has a function of subtracting (withdrawing) the billed bill from the balance of the user who has been paid for in the payment and adding (transferring) the balance to the balance of the user who made the payment. In addition, the split billing processing unit 308 may perform the processing of withdrawing and transferring the split bill after or after the settlement processing described later.

  The payment processing unit 310 has a function of performing various types of processing for executing two-dimensional code payment. Specifically, the payment processing unit 310 performs a payment process based on information included in the payment request. The payment process includes a process of subtracting the payment amount from the balance of the user to be paid and transferring the payment amount to the account of the store specified from the payment request or the like. Here, the store account includes an account owned by the store. Transferring (depositing) / withdrawing the payment amount to the store account includes adding / subtracting the payment amount to the balance of the store account.

  Next, a specific example of the communication unit 304, the payment pre-processing unit 306, the split billing processing unit 308, and the payment processing unit 310 will be described separately for the case of the store-reading code payment and the user-reading code payment in the two-dimensional code payment. Various functions will be described.

(A) Functional Configuration of Server in Store-Reading Code Payment The communication unit 304 reads the two-dimensional code displayed on the terminal 120 of the payment target user (eg, the user A) from each terminal 120 that reads the two-dimensional code. It functions as a receiving unit (1A receiving unit) that receives information and the user ID of the user to be paid. The two-dimensional code includes, for example, the payment target user A that generated the two-dimensional code and / or the payment amount. The account information includes, for example and without limitation, the user ID and the password of the user to be split (eg, user B or user C) using the terminal 120 that has read the two-dimensional code. In addition, the communication unit 304 is a transmission unit (1A transmission unit) that transmits the received account information of the split target user and the result of the pre-payment processing based on the user ID of the payment target user to the terminal 120 of the payment target user. Also works.

  In addition, the communication unit 304 may function as a receiving unit (second A receiving unit) that receives, from the payment target user terminal 120, a request for account authentication and balance confirmation of each split target user. The account authentication and balance confirmation request includes, for example, the account information of the user to be split and the split amount. In addition, the communication unit 304 may function as a transmission unit (second A transmission unit) that transmits the result of account authentication and balance confirmation of each split target user to the terminal 120 of the payment target user. The results of the account authentication and the balance confirmation include, for example, the success or failure of the account authentication based on the user ID and the password of the split target user, and the result of whether the balance associated with the account of the split target user is equal to or more than the split amount. It is.

  In addition, the communication unit 304 receives a payment request for paying a payment amount to the store from the POS terminal 130 that has read the two-dimensional code displayed on the terminal 120 of the payment target user (a 3A reception unit). It may function as. The payment request includes, for example, a store ID associated with the POS terminal 130 that has read the two-dimensional code, a payment amount, and a user ID of a user to be paid. In addition, the communication unit 304 may function as a transmission unit (third A transmission unit) that transmits a payment completion notification to the POS terminal 130 and / or the terminal 120 of the payment target user.

  The pre-payment processing unit 306 performs pre-processing for performing a payment based on the account information of the user to be split, the user ID of the user to be paid, and the like received by the first A receiving unit. The settlement pre-processing unit 306 specifies the payment target user from the user ID of the payment target user, for example. Next, the payment pre-processing unit 306 instructs the account information of the user to be split to be transmitted to the terminal 120 of the user to be paid via the first A transmission unit. Further, when the payment amount can be acquired, the payment pre-processing unit 306 calculates the split amount in accordance with the total number of account information received within a predetermined period, and transmits the split amount to the payment target user terminal 120. You may. In this case, the calculation of the split amount may be performed when a calculation request for the split amount is received from the terminal 120 of the user to be paid. As a result, after the number of split bills is determined, an appropriate split bill is calculated.

  Further, the settlement pre-processing unit 306 performs an account authentication process and a balance confirmation process in response to the account authentication and balance confirmation request of the split target user received by the second A receiving unit. The settlement pre-processing unit 306 inquires of the user management DB based on the account information received by the second A receiving unit as the account authentication process, and determines whether or not the authentication of the split target user is successful. In addition, as a balance confirmation process, the settlement pre-processing unit 306 queries the user management DB based on the split amount received by the second A receiving unit, and determines whether the balance of the split target user is equal to or greater than the split amount. . In addition, the payment pre-processing unit 306 instructs the account authentication result and the balance confirmation result to be transmitted to the payment target user terminal 120 via the second A transmission unit.

  The split billing processing unit 308 specifies an account of each user who is a split billing target other than the payment target user in response to the settlement request received by the third A receiving unit, and determines the account of each user linked to the specified account. A split billing process is performed in which the split bill is subtracted and added to the balance of the user to be paid. In addition, the split billing processing unit 308 transmits a notice of the completion of the split billing processing to the terminal 120 of the payment target user via the third A transmission unit.

  In response to the payment request received by the 3A receiving unit, the payment processing unit 310 performs payment processing of paying the payment amount subtracted from the balance of the payment target user to the account of the store associated with the store ID. The settlement process is performed using the external system 140. In addition, the payment processing unit 310 transmits a completion notification of the payment process to the POS terminal 130 that has read the two-dimensional code and / or the terminal 120 of the user to be paid, via the 3A transmission unit. As described above, the split billing process and the settlement process may be performed in any order. However, in order to prevent the payment target user from failing to collect the split bill, in the present disclosure, the split billing process is performed first. Will be described.

  Further, the settlement preprocessing unit 306 determines whether or not to execute the split billing process according to a predetermined relationship between the user of the terminal 120 that has displayed the two-dimensional code and the user of the terminal 120 that has read the two-dimensional code. It may be determined. In this case, the settlement preprocessing unit 306 inquires of the association management DB whether the user ID of the payment target user received by the first A receiving unit and the user ID included in the account information have a predetermined relationship. The settlement pre-processing unit 306 acquires the inquiry result and transmits a determination result indicating a predetermined relationship between the users to the terminal 120 of the payment target user via the first A transmission unit. For example, when the user to be paid and the user to be split have a predetermined relationship (for example, a family member, a friend of a university, and the like), the split billing process can be executed. Thereby, it is possible to prevent a split billing process with a user having no predetermined relationship, and it is possible to improve security.

  In addition to the split billing process, the technology of the present disclosure is also applied to a process in which the user of the terminal 120 that has read the two-dimensional code is paid in full instead of the user of the terminal 120 that has displayed the two-dimensional code. It is possible. For example, when the user B who is a parent of the user A makes a payment for the user A who is a child, a two-dimensional code including proxy information indicating that the payment is a proxy payment instead of a split bill is displayed on the terminal 120A of the user A. Is done. At this time, the terminal 120B of the user B reads the two-dimensional code, and transmits the proxy information included in the two-dimensional code, the user ID of the user A, and the account information of the user B added on the terminal 120B side to the server 110. Is done. The settlement preprocessing unit 306 determines a predetermined relationship between the users based on the user ID of the user A and the user ID of the user B included in the account information of the user B. The payment pre-processing unit 306 permits performing proxy payment when there is a predetermined relationship between users. As a result, proxy payment by a user having no predetermined relationship can be prevented, and security can be improved.

(B) Functional Configuration of Server in User-Readable Code Settlement The communication unit 304 includes a two-dimensional code associated with a store (for example, a two-dimensional code posted at a predetermined position in a store or displayed on the POS terminal 130). ) Functions as a receiving unit (1B receiving unit) that receives the payment information included in the two-dimensional code, the account information of the user of the terminal 120 that has read the two-dimensional code, and the like from each terminal 120 that has read the two-dimensional code. The settlement information includes, for example, a payment amount. The communication unit 304 also functions as a transmission unit (1B transmission unit) that transmits the result of the payment pre-processing based on the received account information to each terminal 120 that has transmitted the payment information. The result of the payment pre-processing may include, for example, a split amount obtained by dividing the payment amount by using the total number of users associated with each piece of received account information. In addition, the communication unit 304 also functions as a receiving unit (second B receiving unit) that receives a settlement request from each terminal 120. In addition, the communication unit 304 transmits the split billing process processed in response to the payment request and / or the completion notification of the payment process to the POS terminal 130 displaying the two-dimensional code, and / or each of the two-dimensional code that has read the two-dimensional code. It also functions as a transmission unit (second B transmission unit) that transmits to terminal 120.

  In the user-readable code settlement, the two-dimensional code displayed on the POS terminal 130 is read by the terminal 120 of the user to be paid, and this terminal 120 generates a two-dimensional code for a split billing process. The code may be read by each terminal 120 of the split target user. In this case, the subsequent functions of the server 110 are the same as those in the case of the store-ready code settlement, but the settlement request may be transmitted from the terminal 120 of the user to be paid. Therefore, hereinafter, an example will be described in which the two-dimensional code displayed on the POS terminal 130 or the like is read by each terminal 120 of the split target user.

  The pre-payment processing unit 306 obtains the total number of users (split target users) associated with each piece of account information received by the first B receiving unit as pre-payment processing, and uses the total number and at least a part of the payment amount to split the bill. Calculate the amount. For example, the payment pre-processing unit 306 transmits the result of the payment pre-processing including the split amount calculated by dividing the payment amount by the total number to the terminal 120 of each user via the first B transmission unit. This allows the server to calculate the split amount, so that the processing load on the terminal 120 can be reduced.

  In addition, the payment pre-processing unit 306 may transmit the total number of the users to be split to the terminal 120 of each user via the first B transmission unit as the payment pre-processing. In this case, since the split amount is calculated on the terminal 120 side, each terminal 120 does not need to transmit the payment amount to the server 110 side.

  The split billing processor 308 responds to the payment request received by the second B receiving unit, and calculates the split bill calculated by the payment pre-processing unit 306 from the balance of each user to be split using the terminal 120 that transmitted the payment request. Subtract the amount and withdraw.

  The payment processing unit 310 performs a payment process of paying each split bill subtracted by the split bill processing unit 308 to a store account associated with the store ID included in the payment request. In addition, the payment processing unit 310 transmits a notification of the completion of the payment process to the POS terminal 130 displaying the two-dimensional code and / or each terminal 120 that has read the two-dimensional code via the second B transmission unit.

  In the case of the user-readable code settlement, the split billing processing unit 308 and the settlement processing unit 310 may cooperate from the above-described withdrawal of the split bill amount to the deposit into the store account. When the split bill is calculated on the terminal 120 side, the settlement request transmitted from the terminal 120 may include the split bill. In this case, the split billing processing unit 308 may subtract the split bill included in the settlement request received by the second receiving unit from the balance of each user to be split, and withdraw.

  As another example of the user-readable code settlement, pre-check-in can be considered. For example, a two-dimensional code obtained by converting identification information for identifying the table or the restaurant (hereinafter, also referred to as payee ID) is posted on each table of the restaurant, or displayed on the screen of the terminal 120 installed on the table. Or be displayed. Each user sitting at the table reads the two-dimensional code using his / her terminal 120 and performs a check-in process. In the check-in process, each terminal 120 transmits the read payee ID and the user's account information to the server 110.

  Next, on the store side, after all the orders on this table are completed, a check-out process is performed according to an instruction from the user. In the checkout process, for example, when the user instructs order completion on the terminal 120 installed on the table, the payee ID and the payment amount are transmitted from the terminal 120 to the server 110. Upon acquiring the payment amount, the settlement preprocessing unit 306 of the server 110 calculates the split amount using at least a part of the number of checked-in users (split target users) and the payment amount. Subsequent processing is the same as the above-described user-readable code payment processing. Thus, the user does not have to be at a cash register or the like for payment, and can quickly complete the payment.

(2) Functional Configuration of Terminal The functional configuration of the terminal 120 will be described with reference to FIG. The functional unit disclosed in FIG. 5 is realized by cooperation of a processor 201, a memory 202, a storage 203, an input / output I / F 204, and a communication I / F 205 included in the information processing apparatus 200.

  The terminal 120 includes an input / output unit 502, a communication unit 504, a generation unit 506, a display control unit 508, an acquisition unit 510, an adjustment unit 512, a payment control unit 514, a reading unit 516, and a storage unit 518. Having. The processor 201 includes: an input / output unit 502, a communication unit 504, a generation unit 506, a display control unit 508, an acquisition unit 510, an adjustment unit 512, a payment control unit 514, and a reading unit 516. This is realized by reading and executing the program stored in the storage unit 518. The storage unit 518 is realized using the memory 202 and / or the storage 203. As described above, since the two-dimensional code payment includes the store-reading code payment and the user-reading code payment, first, the functional configuration of the terminal 120 in the store-reading code payment will be described. A functional configuration of the terminal 120 in settlement will be described.

(A) Functional Configuration of Terminal in Store-Reading Code Settlement The input / output unit 502 receives input of various data via the input / output I / F 204 and outputs various data via the input / output I / F 204 It has a function of performing the processing of

  The communication unit 504 has a function of performing a process of receiving various data from the server 110 via the communication I / F 205 and a process of transmitting various data to the server 110 using the communication I / F 205. The communication unit 504 receives the account information of the user to be split, based on the pre-payment processing performed by the server 110 that has received the account information of the user to be split, the user ID of the user to be paid, and the like. Function as a receiver). The account information includes, for example, but not limited to, the user ID and password of the user who is using the terminal 120 that has read the two-dimensional code and who is to be split.

  In addition, the communication unit 504 may function as a transmission unit (a fourth A transmission unit) that transmits the account authentication and balance confirmation request of each split target user to the server 110. The account authentication and balance confirmation request includes, for example, the account information of the user to be split and the split amount. In addition, the communication unit 504 may function as a receiving unit (fifth A receiving unit) that receives, from the server 110, the result of account authentication and balance confirmation of each split target user. The results of the account authentication and the balance confirmation include, for example, the success or failure of the account authentication based on the user ID and the password of the split target user, and the result of whether the balance associated with the account of the split target user is equal to or more than the split amount. It is.

  In addition, the communication unit 504 transmits a payment request for paying the payment amount to the store to the POS terminal 130 that has read the two-dimensional code displayed on the payment target user terminal 120 (5A transmission unit). It may function as. The payment request may be included in, for example, a two-dimensional code. In addition, the communication unit 504 may function as a receiving unit (a 5A-th receiving unit) that receives a notification of completion of payment from the server 110.

  The generation unit 506 assists in generating a two-dimensional code to be displayed on the terminal 120 of the user to be paid. Specifically, the generation unit 506 instructs the display control unit 508 to display an auxiliary screen for generating a two-dimensional code on the display screen. The auxiliary screen includes, for example, a field for inputting a payment amount and a field for selecting whether to make a split bill. The generation unit 506 generates a two-dimensional code for split billing based on the information input to the auxiliary screen via the input / output unit 502. The two-dimensional code for split billing is also referred to as a first information code.

  The display control unit 508 controls display on the display screen of the terminal 120. For example, the display control unit 508 controls the auxiliary screen instructed by the generation unit 506 to be displayed on the display screen, or controls the two-dimensional code generated by the generation unit 506 to be displayed on the display screen. The display control unit 508 controls to display an adjustment screen instructed by the adjustment unit 512 described later on the display screen. The auxiliary screen and the adjustment screen may be implemented as the entire screen of the display screen, or may be implemented as a part of the user interface of the display screen.

  Acquisition unit 510, based on the pre-payment processing performed by server 110 that has received the account information transmitted by each terminal 120 that has read the two-dimensional code, based on each account information, Acquire the split bill calculated using at least a part of the bill.

  FIG. 6 is a block diagram illustrating an example of a function of the acquisition unit 510 according to the first embodiment. As illustrated in FIG. 6, the acquisition unit 510 includes a total number calculation unit 602 and a split amount calculation unit 604 as an example without limitation.

  The total number calculation unit 602 calculates the total number of split target users based on the number of acquired account information. For example, when three pieces of account information are acquired, the total number calculation unit 602 calculates the total number (4) by adding the number of payable users (1) to the number of account information (3).

  The split amount calculation unit 604 calculates the split amount by using the total number calculated by the total number calculation unit 602 and at least a part of the payment amount input in the auxiliary screen in the generation unit 506. For example, if the payment amount is 12,000 yen and the total number is 4, the split amount calculation unit 604 divides the payment amount (12,000 yen) by the total number (4) to calculate the split amount (3,000). Yen). Note that the acquisition unit 510 acquires the split bill calculated by the server 110 when the settlement pre-processing unit 306 calculates the split bill.

  Returning to FIG. 5, the adjustment unit 512 instructs the display control unit 508 to display an adjustment screen for adjusting the number of split bills on the display screen. The adjusting unit 512 can adjust the number of split targets by using, for example, a plus button and a minus button. Thus, for example, when a user who does not have the terminal 120 is included in the split target, this user can be included in the split target user. In addition, since the user who is erroneously included in the split target is excluded from the split target user, the number of the split target users can be reduced from the total number.

  The settlement control unit 514 has a function of controlling execution of settlement processing and / or split billing processing. The settlement control unit 514 instructs the communication unit 504 to transmit an account authentication and balance confirmation request of each split target user to the server 110 by way of example and not limitation. In this case, the settlement control unit 514 may include the split amount acquired by the acquisition unit 510 and the account information (user ID and password) of each split target user in the balance confirmation request.

  Further, upon obtaining the balance confirmation result from the server 110, the settlement control unit 514 instructs the display control unit 508 to stop the split billing process or to issue a warning on the display screen when the balance of the predetermined user is less than the split bill. Or instruct. Also, when the balance confirmation result indicates that the balance of all split target users is equal to or greater than the split amount, the settlement control unit 514 instructs the display control unit 508 to display a two-dimensional code including the payment amount on the display screen. I do. Further, the two-dimensional code may include the user ID of the user to be paid. The two-dimensional code for settlement is also referred to as a second information code.

  The reading unit 516 has a function of a reader that reads a two-dimensional code. For example, the reading unit 516 reads a two-dimensional code displayed at a store, a two-dimensional code displayed on the POS terminal 130, or a two-dimensional code displayed on a display screen of the terminal 120. The information read by the reading unit 516 is transmitted to the server 110 or used for various processes.

  The storage unit 518 stores a program executed by the terminal 120 according to the first embodiment. This program is a program for executing a split billing process in the disclosed two-dimensional code settlement as an example and not limitation.

<Operation processing at the time of store-reading code settlement in the first embodiment>
With reference to FIG. 7, a description will be given of a process performed by the communication system 1 according to the first embodiment at the time of store-read code settlement. FIG. 7 is a diagram illustrating an example of a sequence of a processing procedure at the time of store-read code settlement performed by the communication system 1 according to the first embodiment. The example shown in FIG. 7 is a sequence assuming a case where a user generates a two-dimensional code (first information code) for performing the split billing process and causes each split billing target user to read the two-dimensional code to perform the split billing process. It is.

  In step S702, the input / output unit 502 of the terminal 120A accepts, from the user, the input of the payment amount in the auxiliary screen and the selection of the split billing process. For example, in an application for performing two-dimensional code settlement, the input / output unit 502 receives a user's input of a payment amount using a soft numeric keypad or the like on a display screen or a press of a button for performing a split billing process.

  In step S704, the generation unit 506 of the terminal 120A generates a two-dimensional code for split billing based on the input of the payment amount by the input / output unit 502 and the selection of the split billing process. The two-dimensional code for the split billing process includes information on a payment amount, a user ID of a payment target user who uses the terminal 120A, and the like. Further, the two-dimensional code may include converted information indicating that the split billing process is executed. Thus, each terminal 120 that has read the two-dimensional code can quickly recognize that it is the split billing process.

  In step S706, the display control unit 508 of the terminal 120A controls the two-dimensional code generated by the generation unit 506 to be displayed on the display screen.

  In step S708, the reading unit 516 of the terminal 120B reads the two-dimensional code displayed on the terminal 120A.

  In step S710, the communication unit 504 of the terminal 120B transmits a transmission request for transmitting the account information of the user B of the terminal 120B to the terminal 120A to the server 110. For example, the transmission request includes account information input by the user B using the terminal 120B and the user ID of the user A using the terminal 120A.

  In step S712, the communication unit 304 of the server 110 transmits the account information of the user B to the terminal 120A. The server 110 can specify the terminal 120A to which account information is to be transmitted, based on the user ID of the user A, for example.

  In step S714, the reading unit 516 of the terminal 120C reads the two-dimensional code displayed on the terminal 120A.

  In step S716, the communication unit 504 of the terminal 120C transmits a transmission request for transmitting the account information of the user C of the terminal 120C to the terminal 120A to the server 110. For example, the transmission request includes account information input by the user C using the terminal 120C and the user ID of the user A using the terminal 120A.

  In step S718, communication unit 304 of server 110 transmits account information of user C to terminal 120A. The server 110 can specify the terminal 120A to which account information is to be transmitted, based on the user ID of the user A, for example.

  In step S720, adjustment unit 512 of terminal 120A adjusts the total number of split targets calculated by total number calculation unit 602. For example, the total number calculation unit 602 specifies that there are two split target users based on the received two pieces of account information, and adds one of the payment target users to the two, and the total number is three. And specify. Next, the adjustment unit 512 acquires an adjustment instruction from the user for the total number input by the input / output unit 502 using an adjustment screen or the like. For example, when the user presses the “+” button once, the adjustment unit 512 increases the total number by one, and when the user presses the “−” button once, the adjustment unit 512 decreases the total number by one. Let it. Further, the adjustment unit 512 may be capable of adjusting the amount of money borne by each user. Thereby, more flexible splitting can be performed. Although the adjusting unit 512 is not always necessary, by providing this function, it becomes possible to adjust the total number of split billable objects when there is a user who wants to pay with cash. The split bill may be set for each user by the user A using the terminal 120A.

  In step S722, acquisition section 510 of terminal 120A determines the split amount. For example, the split amount calculation unit 604 of the acquisition unit 510 divides the payment amount input in step S702 by the total number determined by the total number calculation unit 602 or the total number adjusted by the adjustment unit 512 to calculate the payment amount I do.

  In step S724, the communication unit 504 of the terminal 120A transmits, to the server 110, a request for account authentication and balance confirmation of the users B and C to be split. The account authentication and balance confirmation request includes, for example, but not limited to, account information and a split amount of the split target user.

  In step S726, the pre-payment processing unit 306 of the server 110 performs account authentication and balance check of the user to be split. Regarding account authentication, the settlement preprocessing unit 306 of the server 110 determines whether the user ID and password included in the received account information match the user ID and password registered in the user management DB. When the user ID and the password match, the authentication is successful, and when the user ID and the password do not match, the authentication fails.

  Regarding the balance check, the settlement preprocessing unit 306 of the server 110 determines whether or not the balance of each split target user held in the user management DB is equal to or greater than the received split amount. If the balance is equal to or greater than the split amount, it indicates that there is a balance, and if the balance is less than the split amount, it indicates that the balance is insufficient (no balance).

  In step S728, communication unit 304 of server 110 transmits the account authentication and balance confirmation result to terminal 120A. The account authentication and balance confirmation results include, for example, the success or failure of account authentication and the presence or absence of a balance.

  In step S730, the settlement control unit 514 of the terminal 120A displays the two-dimensional code (second information code) for settlement if the account authentication and balance confirmation result indicates that the account authentication is successful and the balance is present. To the display control unit 508. Thus, the two-dimensional code is displayed on the display screen. The two-dimensional code may include, for example, the payment amount, the user ID of the user A, and the like.

  In step S732, the POS terminal 130 reads the two-dimensional code displayed on the display screen of the terminal 120A.

  In step S734, the POS terminal 130 transmits a payment request including the payment amount, the user ID of the user A, the store ID, and the like to the server 110.

  In step S736, the split billing processor 308 and the payment processor 310 of the server 110 execute the split billing process and the payment process. For example, the split billing processor 308 subtracts the split bill from the balance of the user B and the user C of the split billable user, and adds the extracted amount to the balance of the user A of the payable billing user. Next, the settlement processing unit 310 extracts the payment amount from the balance of the user A, and transfers the extracted payment amount to a store account registered in the external system 140 (not shown in FIG. 7). The balance is subtracted from the balance of the user A as the payment target user and the balances of the users B and C as the split target users, and transferred to a store account registered in the external system 140 (not shown in FIG. 7). May be configured.

  In step S738, the communication unit 304 of the server 110 transmits a completion notification to the POS terminal 130 after the split billing process and the settlement process are completed.

  In step S740, the communication unit 304 of the server 110 transmits a completion notification to the POS terminal 130 after the split billing process and the settlement process are completed.

  Note that the account authentication of the split target user may be performed after step S710 or step S716. In this case, in steps S712 and S718, the account authentication result is transmitted to terminal 120A. In this case, in steps S724, S726, and S728, processing related to account authentication is not performed. This allows the account authentication process to be performed at an early stage of the split billing process, so that a user who cannot authenticate the account can be early excluded from the split billing process in the payment application.

  Further, the two-dimensional codes displayed in step S704 and step S730 may be the same two-dimensional code. Thereby, the process of generating a two-dimensional code again can be omitted. The same two-dimensional code includes the user ID of user A and the payment amount, and may further include a payment ID for identifying payment. Since the payment ID is included in the two-dimensional code, the server 110 can consistently manage the account authentication, the balance check, the split billing process, and the payment process of the split target user in association with the payment ID. .

  Further, the two-dimensional code displayed in step S704 and step S730 may be different two-dimensional codes. Thus, the two-dimensional code for split bill and the two-dimensional code for settlement can be clearly separated. In addition, the one-time property of the two-dimensional code can be adopted to improve security.

  In steps S710 and S716, the payment amount may be transmitted to the server 110. In this case, the server 110 can calculate the split amount. For example, the payment pre-processing unit 306 of the server 110 calculates the total number of split target users based on the number of transmission requests received within a predetermined time, and calculates the split amount by dividing the payment amount by the total number. The communication unit 304 of the server 110 transmits the split bill to the terminal 120A. The acquisition unit 510 of the terminal 120A acquires the split bill calculated based on the pre-payment processing performed by the server 110. Thereby, processing on the application side of the terminal 120A can be reduced.

  In step S702, the payment amount is input by the user, but the payment amount may be input by reading a two-dimensional code of the POS terminal 130 or the like. This can prevent the user from erroneously inputting the payment amount.

<Display Mode at the Time of Store-Reading Code Payment for Terminal of First Embodiment>
FIG. 8 is a diagram illustrating an example of a screen displayed on the terminal 120 according to the first embodiment. FIG. 8A shows an example of an auxiliary screen for generating a two-dimensional code. The auxiliary screen illustrated in FIG. 8A includes at least a payment amount input field and a split bill selection button. The auxiliary screen illustrated in FIG. 8A corresponds to, for example, the screen displayed in the process of step S702 illustrated in FIG.

  FIG. 8B shows an example of a screen displaying the generated two-dimensional code. The screen illustrated in FIG. 8B includes the two-dimensional code generated by generation unit 506 of terminal 120. The screen illustrated in FIG. 8B corresponds to, for example, the screen displayed in the process of step S706 illustrated in FIG.

  FIG. 8C shows an example of a screen for adjusting the total number of users to be split. The screen illustrated in FIG. 8C includes buttons for increasing and decreasing the total number of users to be split, a display box for the split amount, and a check button for the split amount. According to the increase or decrease of the total number of users to be split, the split amount is changed by the processing of the acquisition unit 510 or the like. The screen illustrated in FIG. 8C corresponds to, for example, the screen displayed in the process of step S720 illustrated in FIG. When the user presses the “YES” button on the screen illustrated in FIG. 8C, step S724 is performed.

  FIG. 8D shows that the account authentication and the balance confirmation request of the split target user have been transmitted. The screen shown in FIG. 8D may be displayed on the display screen of terminal 120A until the result of step S728 is received or the predetermined time has elapsed after the process of step S724 shown in FIG. 7 is performed. Good.

  FIG. 8E shows that the account authentication and the balance check of the user to be split have been completed. The screen shown in FIG. 8E is displayed when the account authentication of all the split target users has succeeded and the balance is equal to or greater than the split amount. The screen illustrated in FIG. 8E may be displayed on the display screen of the terminal 120 after the process of step S728 illustrated in FIG. 7 is performed.

  FIG. 8F shows that the payment has been completed. The screen illustrated in FIG. 8F includes, for example, a display of a payment amount and a payment completion. The screen illustrated in FIG. 8F may be displayed on the display screen of the terminal 120 after the process of step S740 illustrated in FIG. 7 is performed.

<< 1st A Example >>
Example 1A of the first embodiment is an example in which a predetermined relationship between a split target user and a payment target user is determined, and if there is no predetermined relationship, the split billing process is not performed. The phrase “has a predetermined relationship” is based on a condition that a user to be split and a user to be paid are included in a predetermined group such as a friend, a university, and a family.

<< Effect of 1A Example >>
According to this embodiment, in order to determine the predetermined relationship between the user to be paid and the user to be split, it is possible to prevent a user who is completely unrelated to the user to be paid from executing the split billing process. Can be.

<< Operation Processing of 1A Example >>
FIG. 9 is a diagram illustrating an example of a processing sequence between the server 110 and the terminal 120 according to the embodiment. In the example shown in FIG. 9, after the user generates a two-dimensional code for performing the split billing process and causes the terminal 120 of each split billing user to read the two-dimensional code, the server 110 determines the predetermined relationship of the user. However, the sequence is based on the assumption that split billing processing is performed when there is a predetermined relationship.

  The processing of steps S902, S904, S906, and S908 shown in FIG. 9 is the same as the processing of each of steps S704, S706, S708, and S710 shown in FIG. In step S902, the generation unit 506 may generate a two-dimensional code including the payment amount and the store ID from a payment screen for online shopping or the like.

  In step S910 shown in FIG. 9, the payment pre-processing unit 306 of the server 110 determines a predetermined relationship between users. For example, the settlement pre-processing unit 306 inquires of the association management DB whether or not there is a predetermined relationship between the user to be paid and the user to be split. Specifically, the settlement preprocessing unit 306 determines whether the user ID of the payment target user and the user ID of the split target user are included in the same group in the related management DB. If both IDs are included in the same group, it is determined to be “related”, and if both IDs are not included in the same group, it is determined to be “unrelated”.

  In step S912, communication unit 304 of server 110 transmits the result of the determination of the predetermined relationship to terminal 120A.

  In step S914, the display control unit 508 of the terminal 120A controls to display the determination result received from the server 110 on the display screen. For example, when the display screen has a predetermined relationship between the first user using the terminal 120A and each of the other users using each information processing device, at least one of the information of the users having the predetermined relationship is displayed. The unit is displayed in a manner different from at least a part of the information of the user having no predetermined relationship. As an example and not by way of limitation, at least one of the user color of the user having a predetermined relationship and the user ID of the user having no predetermined relationship, such as a character color, a character size, and a character font, is made different. As another example, “related” or “non-related” may be displayed on the display screen in association with the user information.

  At step S916, payment controller 514 of terminal 120A transmits a payment request to server 110. The payment request includes the user ID of the payment target user, the user ID of the split target user, and the payment amount.

  In step S918, the split billing processor 308 and the payment processor 310 of the server 110 perform the above-described split billing and payment processing. Note that the split billing processor 308 may calculate the split bill since the total number of billable users and the payment amount are known.

  In step S920, server 110 transmits a completion notification of the split billing process and / or the payment process to terminal 110A.

  Although the split billing process shown in FIG. 9 shows a simple split billing process without performing account authentication and balance confirmation, the account authentication and balance confirmation described in FIG. 7 may be performed. After step S916, the terminal 120A controls the display of the two-dimensional code for payment (second information code) on the display screen, and causes the POS terminal 130 or the like that has read the two-dimensional code to transmit a payment request. You may. Further, in the example illustrated in FIG. 9, the server 110 stores the association management DB, but may store it in each terminal. In this case, each terminal may receive account information of another terminal from the server 110 and determine whether or not the terminal itself has a predetermined relationship based on the other account information.

<< 2A Example >>
Example 2A of the first embodiment is not a split bill, but is also applied to a process in which another person having a predetermined relationship with a payable user pays on behalf of a payable user (hereinafter, also referred to as “proxy payment process”). It is possible to For example, a two-dimensional code is displayed on the display screen of the terminal 120 used by the child, the parent terminal 120 reads the displayed two-dimensional code, and when the parent-child relationship is approved, the parent substitutes for the child. Perform payment processing.

<< Effect of 2A Example >>
According to the present embodiment, it becomes possible for a user who has a predetermined relationship with the payable user to pay the entire payment amount in place of the payable user.

<< Operation Processing of 2A Example >>
This embodiment will be described with reference to the sequence shown in FIG. 9. For example, the terminal 120 </ b> A is a child terminal, and the terminal 120 </ b> B is a parent terminal. In step S902, the generation unit 506 of the terminal 120A generates a two-dimensional code for proxy payment.

  In steps S912, S914, S916, and S920, the processing target is changed from the child terminal 120A to the parent terminal 120B. In step S918, the split billing process is not executed, and the settlement process is executed. As a result, the entire payment amount is withdrawn from the parent account and transferred to the store account or the like. Alternatively, the child terminal 120A or the parent terminal 120B may display the two-dimensional code for payment on the display screen and transmit the payment request to the POS terminal 130 or the like that has read the two-dimensional code.

<<< 3A Example >>>
In Example 3A of the first embodiment, when the payment amount is not divisible by the total number of split targets, a fraction process is performed on the split amount of each split target user. The fraction processing is processing for determining who and how to allocate the fractional part to the remainder that cannot be divided.

<< Effect of 3A Example >>
According to the third embodiment, when calculating the split amount, the process of the fractional part which is not divisible is set, so that the split amount process is appropriately executed for an arbitrary payment amount and an arbitrary total number of users to be split. It becomes possible to do.

  The fraction processing is executed by the settlement pre-processing unit 306 of the server 110 or the acquisition unit 510 of the terminal 120. In addition, the fraction processing includes several types of fraction processing, and when the payment amount is not divisible by the total number, one fraction processing may be determined in advance, or one of several types of processing is determined by the user. You may make it do. Note that the fraction processing is applicable to the above-described or later-described embodiments or examples.

(Round processing 1)
In the fraction processing 1, the fraction of the division result (quotient) of each user is rounded up or down, thereby determining the split bill of each user. For example, it is assumed that the payment amount is 10,000 yen and the total number of users to be split is three. In this case, if the remainder (after the decimal point) of the quotient of the split bill is rounded, it becomes 3333 yen per person, but the total of the split bill is less than 1 yen from the paid amount. Therefore, of the three split target users, two persons round off the decimal point and one person rounds off the decimal point. In the fraction processing, one of the split target users who rounds up the decimal point is determined according to a predetermined condition. For example, the payment target user may be set in advance, may be set to a user having the account information first received by the server, or the payment target user may be determined.

(Round processing 2)
The fraction processing 2 includes a process of rounding down the quotient of each split target user and determining the split amount of each user. The server 110 performs a process of discounting the amount obtained by subtracting the total amount of the split amount of each split target user from the payment amount from the payment amount. For example, it is assumed that the payment amount is 10,000 yen and the total number of users to be split is three. In this case, if the remainder of the quotient of the split bill is discarded, the per person becomes 3333 yen, but the total of the split bill is less than 1 yen from the paid amount. In the fraction process 2, the server 110 executes a process of discounting 1 yen from the payment amount. In addition, you may make it a payment provider or a store bear the shortage which becomes insufficient by cutting off a remainder.

(Round processing 3)
The fraction processing 3 includes a process of rounding up the quotient of each split target user and determining the split amount of each split target user. The server 110 executes a process of paying the settlement company an amount obtained by subtracting the payment amount from the total split amount of each split target user. For example, it is assumed that the payment amount is 10,000 yen and the total number of users to be split is three. In this case, when the remainder of the quotient of the split bill is rounded up, it is 3,334 yen per person, but the total of the split bill is 2 yen larger than the payment amount. In the fraction process 3, the server 110 executes a process of paying 2 yen larger than the payment amount to the settlement company. In the above-described fraction processing 1 to 3, the rounding down and rounding up of the quotient fraction may be not only the decimal place but also the one's place or the tens place.

(B) Functional Configuration of Terminal in User-Readable Code Payment Next, a functional configuration of a terminal in user-readable code payment will be described. Hereinafter, when the function of the terminal in the user-readable code payment and the function of the terminal in the store-read code payment are the same, the description will be omitted.

  The communication unit 504 includes a payment information included in a two-dimensional code associated with the store (for example, a two-dimensional code posted at the store or a two-dimensional code displayed on a terminal installed in the store), It functions as a transmission unit (4B transmission unit) that transmits account information and the like of the user who uses the terminal 120 to the server 110. The settlement information includes, for example and without limitation, at least a store ID, and may further include a payment amount. For example, when the two-dimensional code is used for table check-in or the like, the settlement information includes a store ID, and when the two-dimensional code is used for payment at the POS terminal 130, the store ID and the payment amount are used. Including. The account information includes, for example, but not limited to, the user ID and password of the user who is using the terminal 120 that has read the two-dimensional code and who is to be split.

  In addition, the communication unit 504 is associated with the payment information using the total number of each account information based on the payment pre-processing performed by the server 110 that has received the account information transmitted by each terminal 120 that has read the two-dimensional code. It also functions as a receiving unit (a 4B-th receiving unit) that receives the split bill divided by the paid amount. The settlement pre-processing unit 306 of the server 110 can calculate the split amount using the total number of received account information and the payment amount.

  In addition, the communication unit 504 may function as a transmission unit (5B transmission unit) that transmits a settlement request including the split amount to the server 110. The payment request may include a store ID.

  In addition, the communication unit 504 may function as a receiving unit (a 5B-th receiving unit) that receives a notification of completion of payment from the server 110.

  The acquisition unit 510 uses the total number of users to be split based on each account information based on the pre-payment processing performed by the server 110 that has received the account information transmitted by each terminal 120 that has read the two-dimensional code. Get the split amount divided by the payment amount associated with the information. Note that the acquisition unit 510 may acquire the split bill received from the server 110, or may calculate the payment amount by dividing the acquired total number of accounts as in the case of the store-readable code settlement.

  The reading unit 516 reads a two-dimensional code associated with a store (for example, a two-dimensional code posted at a store or a two-dimensional code displayed on a terminal installed at the store). The information read by the reading unit 516 is transmitted to the server 110 or used for various processes.

<Operation Process at Settlement of User-Readable Code in First Embodiment>
With reference to FIG. 10, a process at the time of user-readable code settlement of the communication system 1 according to the first embodiment will be described. FIG. 10 is a diagram illustrating an example of a sequence of a processing procedure at the time of user-readable code settlement performed by the communication system 1 according to the first embodiment. The example illustrated in FIG. 10 is a sequence assuming a case where the two-dimensional code displayed on the POS terminal 130 is read by each terminal 120 used by each split target user and split split processing is performed.

  In step S1002, the POS terminal 130 displays a two-dimensional code for payment on the display screen. The two-dimensional code includes, for example and without limitation, information such as a payment amount and a store ID that are converted. Note that the payment amount may be input on the user side.

  In step S1004, the reading unit 516 of the terminal 120A reads the two-dimensional code displayed on the POS terminal 130.

  In step S1006, the communication unit 504 of the terminal 120A transmits the account information of the user A of the terminal 120A, the payment amount read from the two-dimensional code or input by the user, the store ID, and the like to the server 110.

  In step S1008, the reading unit 516 of the terminal 120B reads the two-dimensional code displayed on the POS terminal 130.

  In step S1010, the communication unit 504 of the terminal 120B transmits the account information of the user B of the terminal 120B, the payment amount read from the two-dimensional code, the store ID, and the like to the server 110.

  In step S1012, the reading unit 516 of the terminal 120C reads the two-dimensional code displayed on the POS terminal 130.

  In step S1014, the communication unit 504 of the terminal 120C transmits the account information of the user C of the terminal 120C, the payment amount read from the two-dimensional code, the store ID, and the like to the server 110.

  In step S1016, the payment pre-processing unit 306 of the server 110 counts, for example, the total number of account information transmitted with the same store ID and the same payment amount within a predetermined time. Further, the settlement pre-processing unit 306 of the server 110 divides the payment amount by the total number to calculate a split amount. At this point, account authentication may be performed on the server 110 side. Further, when there is a user who has failed in the account authentication, the server 110 may request the user to re-enter the account information. At this time, the server 110 may extend the predetermined time for collecting the split target users.

  After calculating the split amount, the settlement pre-processing unit 306 of the server 110 may perform a balance confirmation process with reference to the account balance of each split target user. In this case, the result of the balance confirmation processing for each split target user is notified to each split target user.

  In step S1018, communication unit 304 of server 110 notifies terminal 120A of the calculated split amount.

  In step S1020, communication unit 304 of server 110 notifies terminal 120B of the calculated split bill.

  In step S1022, communication unit 304 of server 110 notifies terminal 120C of the calculated split bill.

  In step S1024, after the display control unit 508 of the terminal 120A controls to display the split amount, the payment control unit 514 of the terminal 120A instructs the communication unit 504 to transmit a payment request to the server 110.

  In step S1026, the display control unit 508 of the terminal 120B controls the display of the split amount, and then the payment control unit 514 of the terminal 120B instructs the communication unit 504 to transmit a payment request to the server 110.

  In step S1028, the display control unit 508 of the terminal 120C controls the display of the split amount, and then the payment control unit 514 of the terminal 120C instructs the communication unit 504 to transmit a payment request to the server 110.

  In step S1030, the split billing processing unit 308 of the server 110 draws a split bill from each balance associated with the account of each billable target user in response to the settlement request. Next, the settlement processing unit 310 executes a process of paying the total amount (payment amount) of each withdrawn split amount to the store indicated by the store ID associated with the settlement information. Note that the split processing unit 308 may be included in the settlement processing unit 310. In this case, the settlement processing unit 310 extracts the split amount from the balances of the users A, B, and C, and sums the extracted split amount (payment amount). ) May be transferred to a store account registered in the external system 140 (not shown in FIG. 7).

  In step S1032, after the split billing process or the settlement process is completed, the communication unit 304 of the server 110 transmits a completion notification to the terminal 120A.

  In step S1034, the communication unit 304 of the server 110 transmits a completion notification to the terminal 120B after the split billing process or the settlement process is completed.

  In step S1036, the communication unit 304 of the server 110 transmits a completion notification to the terminal 120C after the split billing process or the settlement process is completed.

  In step S1038, the communication unit 304 of the server 110 transmits a completion notification to the POS terminal 130 after the split billing process or the settlement process is completed.

<< 1st B Example >>
Example 1B of the first embodiment is an example in which a split target user first reads a two-dimensional code, checks in the payment, determines a payment amount, and then performs split payment processing to complete the settlement. As a specific example of the first embodiment, a two-dimensional code is displayed on a table in a restaurant or the like, or a two-dimensional code displayed on a terminal installed on the table is displayed by each user (each split bill) sitting at the table. The target user) reads the data at each terminal 120 and performs a check-in process. Next, each user orders food and the like, and after all the orders are confirmed, the payment amount is determined. Thereafter, the payment amount is transmitted from the terminal at the table or the cashier terminal at the store to the server, and the server executes the split billing process and the settlement process. When the payment amount is associated with the payment ID or the like, it becomes easy to associate the payment amount with the payment information transmitted in advance.

<< Effect of 1B Example >>
According to the present embodiment, since the total number of split-target users and the account authentication process of each split-target user can be completed in advance, the process can be completed quickly at the time of splitting. For example, in a restaurant, when the user sits at a table, each terminal 120 reads the two-dimensional code and completes check-in, and the server 110 completes the total number of persons to be split and account authentication until the order is completed. In advance, the split billing process and the settlement process can be executed immediately after the payment amount is determined. In addition, since the user can perform the checkout process at the table, the user can leave the store without going to the cash register.

<< Operation Processing of 1B Example >>
FIG. 11 is a diagram illustrating an example of a processing sequence of the communication system 1 according to the embodiment. This embodiment will be described with reference to the sequence shown in FIG. 11. For example, it is assumed that the terminal 120 </ b> C is a terminal installed on a restaurant table. The user's terminal 120A or terminal 120B reads the two-dimensional code displayed on the terminal 120C and performs a check-in process. In addition, each user can use the terminal 120C to order a menu, instruct completion of an order, confirm a payment amount, and instruct settlement processing.

  In step S1102, terminal 120C displays a two-dimensional code for settlement on the display screen. The two-dimensional code includes, for example and without limitation, a store ID, a table ID, a payment ID, or any combination thereof. The terminal 120C is, for example, an orderable terminal placed on a table of a restaurant or the like.

  In step S1104, the reading unit 516 of the terminal 120A reads the two-dimensional code displayed on the terminal 120C.

  In step S1106, the communication unit 504 of the terminal 120A transmits the account information of the user A of the terminal 120A, the store ID read from the two-dimensional code, and the like (settlement information) to the server 110. At this point, the server 110 may authenticate the account of the user A. The store ID may serve as payee identification information for paying the store.

  In step S1108, the reading unit 516 of the terminal 120B reads the two-dimensional code displayed on the terminal 120C.

  In step S1110, the communication unit 504 of the terminal 120B transmits the account information of the user B of the terminal 120B, the store ID read from the two-dimensional code, and the like to the server 110. At this point, the server 110 may authenticate the account of the user B.

  In step S1112, the terminal 120C determines the payment amount that is the total amount of the menu ordered by the user A or the user B by pressing the payment button or the like by the user A or the user B.

  In step S1114, terminal 120C transmits a payment request to server 110 when user A or user B presses a payment amount confirmation button or the like. The payment request includes, for example and without limitation, information on the store ID and the payment amount.

  In step S1116, the payment pre-processing unit 306 of the server 110 counts, for example, the total number of users who have checked in in advance in response to receiving the payment request. Note that the total number of users may be calculated in advance. Further, the settlement pre-processing unit 306 of the server 110 divides the payment amount by the total number to calculate a split amount. At this point, if the account authentication of the user A and / or the user B has not been performed, the server 110 may perform an unexecuted account authentication of the user. Further, when there is a user who has failed in the account authentication, the server 110 may request the user to re-enter the account information.

  After calculating the split amount, the settlement pre-processing unit 306 of the server 110 may perform a balance confirmation process with reference to the account balance of each split target user. In this case, the result of the balance confirmation processing for each split target user is notified to each split target user.

  In step S1118, communication unit 304 of server 110 notifies terminal 120A of the calculated split bill.

  In step S1120, communication unit 304 of server 110 notifies terminal 120B of the calculated split bill.

  In step S1122, after the display control unit 508 of the terminal 120A controls to display the split amount, the payment control unit 514 of the terminal 120A instructs the communication unit 504 to transmit a payment request to the server 110.

  In step S1124, the display control unit 508 of the terminal 120B controls the display of the split amount, and then the payment control unit 514 of the terminal 120B instructs the communication unit 504 to transmit a payment request to the server 110.

  In step S1126, the split billing processing unit 308 of the server 110 draws a split bill from each balance associated with the account of each billable target user in response to the settlement request. Next, the settlement processing unit 310 executes a process of paying the total amount (payment amount) of each withdrawn split amount to the store indicated by the store ID associated with the settlement information. Note that the split billing processor 308 may be included in the settlement processor 310. In this case, the payment processor 310 draws a split bill from the balances of the users A and B, and calculates the total (paid amount) of the drawn bills. You may make it transfer to the account of the store registered in the external system 140 (not shown in FIG. 7).

  In step S1128, after the splitting process or the settlement process is completed, the communication unit 304 of the server 110 transmits a completion notification to the terminal 120A of the user A.

  In step S1030, the communication unit 304 of the server 110 transmits a completion notification to the terminal B of the user B after the splitting process or the settlement process is completed.

  In step S1132, the communication unit 304 of the server 110 transmits a completion notification to the store terminal 120C after the split billing process or the settlement process is completed.

<< 2B Example >>
In Example 2B of the first embodiment, in the first example B, the server 110 may perform the split billing process and the settlement process without the split billing target user confirming the split bill amount. For example, in the sequence shown in FIG. 11, steps S1118 to S1124 may be omitted.

<< Effect of 2B Example >>
According to the present embodiment, in the checkout process, it is possible to prevent the forgetting of the payment or the interruption of the payment process due to the failure to transmit the payment request from at least one user. In particular, the second embodiment is effective when the number of split targets is large.

<Second embodiment>
In the second embodiment, even if the split target user is a user who does not have a predetermined relationship on the settlement service, the payment target user can select the split target user from the candidate list generated using the distance to the user. This is an embodiment showing an example in which the split billing process can be performed smoothly and the target of the bill splitting process can be expanded.

  In the second embodiment, as an example and not by way of limitation, when the terminal 120 receives a split billing request from a first user who uses the terminal 120, the terminal 120 generates a split billing user generated using a distance from the first user. Display the candidate list. The terminal 120 accepts the selection of the second user who actually splits from the candidate list. The first user's terminal 120 transmits a check request to the selected second user's terminal 120 as to whether or not to perform the split billing process, and receives a check result from the terminal 120 that transmitted the check request. The terminal 120 of the first user transmits a settlement request to the server 110 so that the split billing process and the settlement process are executed if the split billing process is permitted by the second user. Receive.

<Effect of Second Embodiment>
According to the second embodiment, even if the user does not have a predetermined relationship with the payable user, the candidate list generated using the distance to the payable user is received. A user is selected, and it becomes possible to settle the split bill from the account of the selected split target user. For example, since the secretary of the drinking party can easily select a member who first met at the drinking party from the candidate list, the split billing process and the settlement process can be executed smoothly.

<HW configuration of second embodiment>
(1) HW Configuration The HW configuration of the server 110, the information processing terminal 120, and the POS terminal 130 in the second embodiment is equivalent to the HW configuration of the server 110, the information processing terminal 120, and the POS terminal 130 in the first embodiment. Therefore, detailed description is omitted here.

<Functional Configuration of Second Embodiment>
(1) Functional Configuration of Server FIG. 12 is a diagram illustrating an example of a functional configuration of the server 110 according to the second embodiment. The functional unit disclosed in FIG. 12 is realized by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 included in the information processing apparatus 200.

  The server 110 includes, for example, an input / output unit 1202, a communication unit 1204, a payment pre-processing unit 1206, a split bill processing unit 1208, a payment processing unit 1210, a position identification unit 1212, a list creation unit 1214, and a storage unit. 1216. The position specifying unit 1212 and the list creating unit 1214 added in the second embodiment are realized by the processor 201 reading and executing a program stored in the storage unit 312. In the functional configuration of the server 110 in the second embodiment, points that are not particularly mentioned may be the same as the functions in the first embodiment.

  The communication unit 1204 functions as a receiving unit that receives a candidate list search request from the terminal 120. Further, the communication unit 1204 functions as a receiving unit that receives the position information of each terminal 120. Further, the communication unit 1204 functions as a transmission unit that transmits the candidate list including the users near the user A created by the list creation unit 1214 to the terminal 120. In addition, the communication unit 1204 may function as a receiving unit that receives the short-range wireless identifier received by the terminal 120 as the position information of the terminal 120.

  The position specifying unit 1212 specifies the position of each terminal 120 based on the position information of each terminal 120 notified from each terminal 120. For example, when position information (for example, latitude and longitude) directly indicating the position of the terminal 120A is acquired from the terminal 120A, the position specifying unit 1212 specifies the position indicated by the position information as the position of the terminal 120A.

  The list creation unit 1214 obtains the position information of each terminal 120 identified by the position identification unit 1212 and the user ID of each terminal 120, and creates a candidate list of split target users. The candidate list includes a user ID corresponding to the acquired position information, a nickname associated with the user ID, and the like. The list creation unit 1214 may generate the candidate list such that, for example, without limitation, the users who use the terminal 120 close to the terminal 120A are displayed on the screen in order from the top. In addition, the list creation unit 1214 creates a candidate list with the user in the list selectable. The list creation unit 1214 instructs the communication unit 1204 to transmit the created candidate list to the terminal 120A that transmitted the search request. In response to this instruction, communication unit 1204 transmits the candidate list to terminal 120A.

(2) Functional Configuration of Terminal FIG. 13 is a diagram illustrating an example of a functional configuration of the terminal 120 according to the second embodiment. The functional unit disclosed in FIG. 13 is realized by cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205 included in the information processing apparatus 200.

  The terminal 120 includes an input / output unit 1302, a communication unit 1304, a reading unit 1306, a display control unit 1308, a payment control unit 1310, a position information measurement unit 1312, and a list creation unit 1314. The position information measurement unit 1312 and the list creation unit 1314 added in the second embodiment are realized by the processor 201 reading and executing a program stored in the storage unit 1316. Note that, in the functional configuration of the terminal 120 according to the second embodiment, points that are not particularly mentioned may be the same as the functions according to the first embodiment.

  The communication unit 1304 functions as a transmission unit that transmits the position information of the terminal 120 measured by the position information measurement unit 1312. The communication unit 1304 functions as a receiving unit that receives the candidate list from the server 110. The communication unit 1304 may function as a transmission unit that transmits a wireless identifier for establishing short-range wireless communication with another terminal 120. The communication unit 1304 may function as a receiving unit that receives a wireless identifier from another terminal 120. The short-range wireless identifier is not limited, and includes, for example, a beacon ID included in a beacon transmitted by a BLE (Bluetooth Low Energy) device, an SSID included in a wireless signal transmitted by a WiFi (registered trademark) device, and an ultrasonic wave. May be included.

  The display control unit 1308 has a function of displaying a candidate list received by the communication unit 1304 or created by the list creation unit 1314 on a screen. In addition, the display control unit 1308 controls to display a user in the candidate list in a selectable manner.

  The position information measuring unit 1312 has a function of measuring position information of the current position of the terminal 120. The position information measuring unit 1312 measures the latitude and longitude of the terminal 120 as the position information of the current position of the terminal 120 using, for example and without limitation, GPS (Global Positioning System). Note that the position information measurement unit 1312 may measure the position information of the terminal 120 using any method as long as the position information of the terminal 120 can be measured. As an example and not by way of limitation, the position information measurement unit 1312 may include an IMES (Indoor Messaging System), Wi-Fi, RFID (Radio Frequency Identifier), NFC (Near Field Communication, BLE (Near Field Communication, etc.), etc.). The location information of the terminal 120 may be measured using a distance wireless communication, a mobile communication system such as LTE or CDMA, or the like.

  The list creating unit 1314 creates a candidate list of split target users based on the positional information with the other terminals 120 with which the wireless communication has been established by the communication unit 1304. The candidate list includes a user ID corresponding to the acquired wireless identifier, a nickname associated with the user ID, and the like. The list creation unit 1314 may generate the candidate list such that, for example, without limitation, the users who use the terminal 120 close to the terminal 120A are displayed on the screen in order from the top. In addition, the list creation unit 1314 creates a candidate list by making the users in the list selectable. The list creation unit 1314 uses the signal strength of wireless communication for determining the proximity of the terminals 120. For example, the list creating unit 1314 can determine that the terminals are closer to each other as the signal strength of the established wireless communication increases.

<Operation Processing of Second Embodiment>
The processing of the communication system 1 according to the second embodiment will be described with reference to FIG. FIG. 14 is a diagram illustrating an example of a sequence of a processing procedure performed by the communication system 1 according to the second embodiment. The process illustrated in FIG. 14 is an example in which the positional relationship between users or between the terminals 120 is grasped using the position information of the terminals 120 such as GPS.

  In step S1402, input / output unit 502 of terminal 120A accepts a press (tap) of a button for selecting a split bill on the payment screen from the user.

  In step S1404, position information measuring section 1312 of terminal 120A measures its own position information. The position information measuring unit 1312 of the terminal 120A instructs the communication unit 1304 to transmit a position information search request to the server 110. The search request may be transmitted together with, for example, the position information of the terminal 120A, or may be transmitted separately.

  In step S1406, the position information measuring unit 1312 of the terminal 110B measures its own position information, and instructs the communication unit 1304 to transmit the measured position information and the user ID of the user who uses the terminal 110B to the server 110. I do.

  In step S1408, the position information measuring unit 1312 of the terminal 110C measures its own position information, and instructs the communication unit 1304 to transmit the measured position information and the user ID of the user who uses the terminal 110C to the server 110. I do. The position information transmitted in steps S1404, S1406, and S1408 may be periodically transmitted from each terminal 120 to the server 110, or the position information may be transmitted to each terminal 120 based on an instruction from the server 110. May be transmitted to the server 110.

  In step S1410, the list creating unit 1214 of the server 110 creates a candidate list of split target users based on the position information acquired from each terminal 120. For example, the list creating unit 1214 of the server 110 includes a user ID, a nickname associated with the user ID, and the like in order from the position closest to the terminal 120A.

  In step S1412, communication unit 1204 of server 110 transmits the candidate list created by list creation unit 1214 to terminal 120A that transmitted the search request.

  In step S1414, the display control unit 1308 of the terminal 120A controls the candidate list acquired from the server 110 to be displayed on the display screen. At this time, each user in the candidate list is displayed so as to be selectable.

  In step S1416, input / output unit 1302 of terminal 120A receives an instruction to select a split target user from the display screen of the candidate list. For example, when a user (User Interface) component such as a radio button is displayed to the user in the candidate list, the user A selects the actual split target user by pressing the UI component or the like. Is received by the input / output unit 1302. In this example, it is assumed that the user B is selected as a split target.

  In step S1418, communication unit 1304 of terminal 120A transmits a split billing request to the split target user (user B in the example shown in FIG. 14) selected by user A in the candidate list.

  In step S1420, the display control unit 1308 of the terminal 120B controls the display screen to display a selection screen for permitting or rejecting the split bill in response to receiving the split bill request.

  In step S1422, communication unit 1304 of terminal 120B transmits a permission notification to server 110 in response to user B selecting permission from the selection screen. Thereby, by transmitting the permission notification of the user B from the terminal 120B of the user B to the server 110, the credibility of the permission can be increased. If the user B rejects the split bill, the settlement processing for the user A alone and the split bill processing with another user are performed (not shown in FIG. 14).

  In step S1424, upon detecting that user B has permitted split billing, server 110 transmits a notification of permission of user B to terminal 120A.

  In step S1426, upon receiving the permission notification from user B, communication unit 1304 of terminal 120A transmits a payment request to server 110. The settlement request includes the split amount or payment amount and the store ID of the payee, and may further include the user ID of the user A and the user ID of the user B to be split. The split bill may be set for each user by the user A using the terminal 120A.

  In step S1428, the split processing unit 1208 and the payment processing unit 1210 of the server 110 specify the payee based on the information included in the payment request, perform the split processing between the user A and the user B described above, Execute the payment process. In step S1428, the order of the split billing process and the settlement process does not matter. For example, first, the split amount may be withdrawn from the account of the user B and transferred to the balance of the user A, and then the payment amount may be transferred from the user A to the account of the store. Alternatively, first, the payment amount may be transferred from the account of the user A to the account of the store, and then the split amount may be subtracted from the balance of the user B and added to the balance of the user A.

  In step S1430, the settlement processing unit 1210 of the server 110 performs a process of paying the payment amount to the external system 140 that holds a store account associated with the store ID as the payee.

  In step S1432, when the payment is completed, the external system 140 transmits a payment completion notification to the server 110.

  In step S1434, upon receiving the payment completion notification from external system 140, communication unit 1204 of server 110 transmits a payment completion notification to terminal 120A.

  In step S1436, upon receiving the payment completion notification from external system 140, communication unit 1204 of server 110 transmits a payment completion notification to terminal 120B. The order of steps S1434 and S1436 does not matter.

  Note that the permission notification in step S1422 may be transmitted from terminal 120B to terminal 120A. In this case, step S1424 is unnecessary, and the settlement request in step S1426 includes the user ID of the user who has granted the split billing target. This makes it possible to realize a quicker split billing process by reducing the number of steps via the server 110.

  The candidate list generation processing and the display processing from step S1404 to step S1414 are described as S1450. Another process of step S1450 will be described with reference to FIG.

  FIG. 15 is a diagram illustrating an example of a sequence of a processing procedure for creating and displaying a candidate list performed by each terminal 120 according to the second embodiment. The process illustrated in FIG. 15 is an example in which each terminal 120 grasps the positional relationship between users or between the terminals 120 using short-range wireless communication. In the example illustrated in FIG. 15, the session is established using BLE as an example, but not limited thereto. However, the session may be established using other wireless communication such as ultrasonic waves and Wi-Fi.

  In step S1502, the communication unit 1304 of the terminal 120A establishes a session with the terminal 120B existing within a communicable range using BLE.

  In step S1504, the communication unit 1304 of the terminal 120A establishes a session with the terminal 120C existing within a communicable range using BLE.

  In step S1506, the list creator 1314 of the terminal 120A creates a candidate list of split target users based on each terminal that has established a session with the terminal 120A. For example, the list creating unit 1314 of the terminal 120A uses the signal strength in wireless communication with the terminal 120A, determines that the stronger the signal strength is, the closer to the terminal 120A, and creates a candidate list in the order closer to the terminal 120A. Is also good. The list creation unit 1314 of the terminal 120A may include the user ID or a nickname associated with the user ID (hereinafter, also referred to as a user ID or the like) in the candidate list.

  In step S1508, the display control unit 1308 of the terminal 120A controls the candidate list created by the list creation unit 1314 to be displayed on the display screen. At this time, each user in the candidate list is displayed so as to be selectable. Subsequent processing is the same as step S1416 shown in FIG.

  This makes it possible to create a candidate list including a user who is in the vicinity of the user A and who is to be split even by using short-range wireless communication. In the present embodiment, when position information cannot be acquired using the GPS, for example, the candidate list can be appropriately created by using the short-range wireless communication.

  Note that the acquisition of the position information of each terminal using the GPS illustrated in FIG. 14 and the acquisition of the position information of each terminal using the short-range wireless communication may be appropriately combined. As an example and not by way of limitation, acquisition of position information using GPS is preferentially performed, and a candidate list is generated. Next, when the user A notices that there is no user (eg, the user B) that should be in the candidate list, the user A instructs to create a candidate list by short-range wireless communication. For example, a button for executing short-range wireless communication may be provided in the display screen of the candidate list. Further, the user who should be in the candidate list means, for example, that the user A is aware of the presence of the user B who is present, but the user B is not included in the candidate list. This situation may occur, for example, when the user of each terminal does not permit output of GPS position information in the application settings.

  When user A instructs execution of short-range wireless communication from a candidate list display screen or the like, input / output unit 1302 of terminal 120A detects execution of short-range wireless communication, and short-range wireless communication is performed by communication unit 1304 of terminal 120A. Communication is performed. At this time, when a new user ID or the like is acquired using short-range wireless communication, the list creation unit 1314 of the terminal 120A adds the acquired new user ID or the like to the candidate list. When the user ID or the like included in the candidate list has already been acquired again, the list creation unit 1314 of the terminal 120A may discard one of them.

  Thus, by combining the acquisition of the position information using the GPS and the acquisition of the position information using the short-range wireless communication, the candidate list can be more appropriately included in the candidate list. .

<Display mode at the time of code settlement according to the terminal of the second embodiment>
FIG. 16 is a diagram illustrating an example of a screen displayed on the terminal 120A according to the second embodiment. FIG. 16A shows an example of a payment screen including a payment amount and a split bill selection button. The payment screen illustrated in FIG. 16A includes at least a display item of a payment amount and a selection button of a split bill. The payment screen illustrated in FIG. 16A corresponds to, for example, the screen displayed in the process of step S1402 illustrated in FIG. When the user presses YES on the screen illustrated in FIG. 16A, the process of step S1404 illustrated in FIG. 14 is performed. When the user presses NO, a single payment request is transmitted to the server 110. (Not shown in FIG. 14).

  FIG. 16B shows an example of a screen displaying a candidate list. The screen illustrated in FIG. 16B includes the candidate list created by the list creating unit 1214 of the server 110 or the list creating unit 1314 of the terminal 120A. In the example shown in FIG. 16B, user B and user C are displayed in the candidate list, and selectable radio buttons R are displayed. The name displayed in the candidate list may be any information that can identify the user registered in the user management DB, such as a nickname set by the user in the application, a user ID, and a name. The screen illustrated in FIG. 16B corresponds to, for example, the screen displayed in the process of step S1414 illustrated in FIG.

  FIG. 16C shows an example of a wait screen for split billing permission. The screen shown in FIG. 16C shows a situation in which user B has not yet permitted the split bill. For example, the screen illustrated in FIG. 16C corresponds to the screen displayed on the terminal 120A during steps S1418 to S1422 illustrated in FIG.

  FIG. 16D illustrates an example of a split screen permission notification screen. The screen illustrated in FIG. 16D is displayed by the display control unit 1308 of the terminal 120A after the communication unit 1304 of the terminal 120A receives the permission notification in step S1424 illustrated in FIG. Control to do. When the user A presses YES on the screen illustrated in FIG. 16D, the process of step S1426 is performed. When the user A presses NO, the process may return to the predetermined process. The predetermined process is, for example, but not limited to, selection of a candidate list in step S1414. The screen illustrated in FIG. 16D corresponds to, for example, a screen displayed after the process of step S1424 illustrated in FIG.

  FIG. 16E shows an example of the settlement completion screen. The screen illustrated in FIG. 16E is an example of a screen that notifies the user A that payment to the store and split billing have been completed. The screen illustrated in FIG. 16E may be displayed on the display screen of the terminal 120A after the process of step S1434 illustrated in FIG. 14 is performed.

<< 1st Example >>
In the first example of the second embodiment, the display of the candidate list is performed concentrically around the payable user according to the position of the payable user and the position of the user in the candidate list. Display users. For example, the list creating unit 1214 of the server 110 arranges each user concentrically based on the position of each terminal 120 using the position information of each terminal 120 specified by the position specifying unit 1212. The candidate list display is applicable when position information using GPS is acquired.

<< Effect of First Embodiment >>
According to the present embodiment, when viewing the candidate list, the user can easily grasp which user is in which position in correspondence with the actual seating position of the user, and , The user to be split can be easily specified.

<< Display Mode of Candidate List According to Terminal of First Embodiment >>
FIG. 17 is a diagram illustrating an example of a candidate list display screen displayed on the terminal 120A according to the first embodiment. In the example illustrated in FIG. 17, users (eg, user B, user C, and user D) are displayed concentrically around the payment target user UA at each position in the candidate list. Note that radial dotted circles shown in FIG. 17 are displayed at predetermined intervals. For example, the predetermined distance is designed so that the user can appropriately change a distance such as 3 m or 5 m from a setting screen or the like. The candidate list shown in FIG. 17 may be displayed by shifting the position like a map operation by a user operation such as dragging, or by changing the scale by a user operation such as pinch out.

<< 2nd Example >>
In the second example of the second embodiment, when the payment control unit 1310 of the terminal 120A of the payment target user A transmits a payment request to the server 110, a payment request including a user ID and a split amount is provided for each user. Send The communication unit 1204 of the server 110 receives the payment request for each user, and the payment processing unit 1210 and the payment processing unit 1210 execute a process of paying a split bill to a store account for each user. When notifying the completion of the payment, the server 110 notifies the terminal 120 of each user of the completion of the payment according to the format as a receipt. The form as the receipt includes, but is not limited to, items such as date, address, amount, proviso, store name, store seal, and the like.

<< Effect of Second Embodiment >>
According to the present embodiment, each user can receive his or her own receipt, so that the user can spend the split bill as an expense.

<<< Display Mode of Payment Completion Notification According to Terminal of Second Embodiment >>>
FIG. 18 is a diagram illustrating an example of a display screen of a payment completion notification displayed on the terminal 120 according to the second embodiment. In the example shown in FIG. 18A, a notification of the completion of payment of user A is displayed on the display screen of terminal 120A. The settlement completion notification shown in FIG. 18A includes, for example, but not limited to, a date, an address, an amount, a proviso, and a store name.

  In the example illustrated in FIG. 18B, a notification of the completion of payment of the user B is displayed on the display screen of the terminal 120B. The settlement completion notification illustrated in FIG. 18B includes, for example, but not limited to, a date, an address, an amount, a proviso, and a store name.

  In addition, an electronic stamp indicating a seal of a store may be added to the settlement completion notification. The electronic stamp is held by the server 110 in association with a store ID or the like. When receiving the payment completion notification from the external system 140, the server 110 may read out the electronic stamp and add the electronic stamp to the payment completion notification.

  The address may be registered in the server 110 in advance for each user. For example, an address item for notification of settlement completion may be provided for each user ID in the user management DB, and the name, company name, and the like may be registered in advance by the user. Further, when notifying the settlement request or permitting the split billing processing, the user may be caused to input the address and / or proviso each time. The display control unit 1308 of each terminal 120 displays a UI part for inputting an address and / or a proviso on a display screen, and converts the address and / or proviso input to the UI part into a settlement ID or the like. This is transmitted to the server 110 in association with it. The server 110 holds the received address and / or proviso, and when transmitting the settlement completion notification to each terminal 120, the server 110 includes the retained address and / or proviso in the settlement completion notice. This allows each user to receive a settlement completion notification that can also be a receipt.

<<< 3rd Example >>>
In the third example of the second embodiment, when the server 110 creates the candidate list, the server 110 confirms whether or not transmission of user information (eg, a user ID) is possible with respect to the split target user. For example, the server 110 asks the split target user whether transmission of the user information is possible before creating the candidate list of the split target user. For example, after the processing in steps S1406 and S1408 shown in FIG. 14, the server 110 inquires of each terminal (eg, the terminals 120B and 120C) whether or not transmission of user information is possible. The list creation unit 1214 of the server 110 acquires whether or not the user information can be transmitted from each terminal, and includes the user whose transmission has been permitted in the candidate list.

<< Effect of Third Embodiment >>
According to this embodiment, each user can determine whether or not to teach his or her own user information to other users, so that it is possible to prevent user information from being transmitted to another terminal without permission. And security can be improved. In addition, each user has previously selected on the application setting screen to transmit his / her own user information without permission, inquire whether transmission is possible each time, or not to permit transmission of user information. Is also good. This makes it possible to match the transmission of the user information and / or the inquiry timing to the user's desire. The server 110 may store the transmission setting of the user information set in advance in association with the user ID of the user management DB.

Reference Signs List 1 communication system, 100 communication system, 110 server, 110A server, 110B server, 120 terminal, 120A terminal, 120B terminal, 120C terminal, 120X terminal, 130 terminal, 130A POS terminal, 130B POS terminal, 200 information processing device, 201 processor , 202 memory, 203 storage, 204 input / output interface (input / output I / F), 205 communication interface (communication I / F), 302 input / output unit, 304 communication unit, 306 pre-settlement processing unit, 308 split processing unit, 310 Payment processing unit, 312 storage unit, 502 input / output unit, 504 communication unit, 506 generation unit, 508 display control unit, 510 acquisition unit, 512 adjustment unit, 514 payment control unit, 516 reading unit

Claims (15)

For information processing equipment,
Receiving a selection of a split billing process from a first user who uses the information processing apparatus;
An obtaining step of obtaining a candidate list including a user who satisfies a predetermined condition regarding a distance to the first user;
Receiving a selection of at least one second user from the candidate list;
Transmitting a payment request to the server for performing a payment process including a split billing process between the first user and the second user;
Receiving, from the server, the split billing process or the completion notification of the payment process executed based on the payment request. In the information processing device,
Transmitting a confirmation request for confirming the split billing process to another information processing device used by the second user;
Receiving a response to the confirmation request from the other information processing device,
The transmitting step includes:
The program according to claim 1, further comprising transmitting the settlement request to the server when the answer indicates permission for the split billing process.   The program according to claim 1, wherein the predetermined condition is a condition that a distance between the first user and another user is within a predetermined range.   The program according to claim 3, wherein the predetermined condition is a condition that the first user and the other user are within a communicable range using signal strength in short-range wireless communication.   The predetermined condition is based on a condition that a distance between the information processing device of the first user and the information processing device of the other user is within a predetermined range using position information output from each information processing device. The program according to claim 3. The predetermined condition is that the first condition is that the first user and the other user are within a communicable range using signal strength in short-range wireless communication, and the position information output by each information processing device. Using the second condition that the distance between the information processing device of the first user and the information processing device of the other user is within a predetermined range,
If a priority is assigned to the first condition and the second condition, and if a user is not searched for in one of the conditions having the higher priority, a search for the user is performed using another condition. 3. The program according to 3. In the information processing device,
Controlling the display of a user in the candidate list on a display screen concentrically around the position of the first user in accordance with the position of the first user and the position of the user in the candidate list. The program according to any one of claims 1 to 6, further causing the program to be executed.   The program according to any one of claims 1 to 7, wherein the payment request includes, for each split-target user, identification information of the split-target user and a split amount. A first receiving unit that receives, from the first information processing device, a search request for searching for a user who satisfies a predetermined condition regarding a distance from the first user using the first information processing device;
In response to receiving the search request, a position specifying unit that specifies a position of a user satisfying the predetermined condition,
A first transmission unit that transmits a candidate list including a user satisfying the predetermined condition to the first information processing device;
At least one second user selected from the candidate list, and a second receiving unit that receives a payment request for executing a payment process including a split billing process with the first user;
An information processing apparatus comprising: a payment processing unit that executes the split billing processing and the payment processing in response to the payment request. A third receiving unit that receives, from the second information processing apparatus used by at least one second user selected from the candidate list, information indicating permission for split billing processing;
A second transmission unit that transmits information indicating permission of the split billing process and identification information of the second user to the first information processing apparatus,
The second receiving unit includes:
The information processing according to claim 9, wherein a payment request for executing a split billing process and a payment process is received from the first information processing device, the identification request including identification information of a split target user including the first user and the second user. apparatus. The settlement processing unit,
Performing the split billing process of subtracting the split bill calculated using the total number of the split bill target people and at least a part of the payment amount from the balance of each split bill target user,
The information processing apparatus according to claim 9, wherein the payment processing is performed to add each split bill to a balance of a payee account. The settlement processing unit,
Performing the settlement process of subtracting the payment amount from the balance of the first user and adding the payment amount to the balance of the account of the payee;
Performing the split billing process of subtracting the split bill calculated using the total number of the split billable persons and the payment amount from the balance of each second user, and adding the split bill to the balance of the first user, The information processing apparatus according to claim 9. The position identification unit,
The information processing apparatus according to any one of claims 9 to 12, wherein priorities are assigned to users in the candidate list in order of decreasing distance from the first user. The position identification unit,
14. The information processing device according to claim 13, wherein a distance between the first user and another user is estimated using signal strength in short-range wireless communication and / or position information output from each information processing device. An information processing method in an information processing device,
Receiving, from the first information processing device, a search request for searching for a user who satisfies a predetermined condition regarding a predetermined relationship with a first user who uses the first information processing device;
Identifying a position of a user satisfying the predetermined condition in response to receiving the search request;
Transmitting a candidate list including a user satisfying the predetermined condition to the first information processing apparatus;
Receiving at least one second user selected from the candidate list and a settlement request for executing a settlement process including a split billing process with the first user;
Executing the split billing process and the payment process in response to the payment request.