JP2020113176A - Information processing method, information processing device, and program - Google Patents

Abstract

To improve user convenience in making settlement involving multiple users.SOLUTION: An information processing device provided herein performs processes comprising: managing an account of a first group comprising a first user and a second user; upon receipt of a first request for settlement using the first group account from an information processing terminal of the first user, making settlement using the first group account based on the first request for settlement; and, upon receipt of a second request for settlement using the first group account from an information processing terminal of the second user, making settlement using the first group account based on the second request for settlement.SELECTED DRAWING: Figure 4

Description

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

Conventionally, when multiple users purchase a product, one user collects (collectively) the price at a cash register in a store, and another user makes a payment online to the one user. A technique is known in which a plurality of users can share (pay) the payment by using a service (remittance between individuals) (see, for example, Patent Document 1).

JP, 2013-238998, A

However, in the related art, for example, the user may be annoyed by performing a splitting operation for each payment. An object of the present disclosure is to provide a technique capable of improving convenience when making payment by a plurality of users.

An information processing apparatus according to an embodiment of the present disclosure manages a first group account including a first user and a second user, and issues a first settlement request by the first group account to the first user information. When it is received from the processing terminal, the first group account is settled based on the first settlement request, and when the second settlement request by the first group account is received from the information processing terminal of the second user, Based on the second settlement request, the settlement processing is performed from the account of the first group.

FIG. 1 is a diagram showing a configuration of a communication system according to an embodiment of the present disclosure. It is a figure which shows an example of the hardware constitutions of the server and terminal which concern on embodiment. It is a figure showing an example of a block diagram showing functional composition of a server and a terminal concerning an embodiment. It is a figure which shows an example of the sequence of the process which creates the joint account of the communication system which concerns on embodiment. It is a figure which shows an example of the user information memorize|stored in the user information memory|storage part which concerns on embodiment. It is a figure which shows an example of the group information memorize|stored in the group information memory|storage part which concerns on embodiment. It is a figure which shows an example of the display screen of the terminal which concerns on embodiment. It is a figure which shows an example of the display screen of the terminal which concerns on embodiment. It is a figure which shows an example of the sequence of the process which carries out settlement by the joint account of the communication system which concerns on embodiment. It is a figure which shows an example of the display screen of the terminal which concerns on embodiment. It is a figure which shows an example of the display screen of the terminal which concerns on embodiment. It is a figure which shows an example of the display screen of the terminal which concerns on embodiment. It is a figure which shows an example of the payment history memorize|stored in the payment history storage part which concerns on embodiment.

<Legal compliance>
The disclosures described herein, when implemented, are performed in compliance with the laws of each country in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art, in order to comply with the laws of each country.

A mode for carrying out settlement using a joint account of a plurality of users according to the present disclosure will be described with reference to the drawings.
<System configuration>
FIG. 1 is a diagram showing 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 and the server 110B are connected to the terminal 120A, the terminal 120B, and the terminal 120C via the network 130.

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 the terminal 120A, the terminal 120B, and the terminal 120C from each other, the terminal 120A, the terminal 120B, and the terminal 120C are respectively the terminal 120 (an example of an “information processing terminal”). May be expressed.

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 respectively expressed as the information processing device 200. The number of information processing devices 200 connected to the network 130 is not limited to the example of FIG.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, an SNS (Social Networking Service) represented by a messaging service using an instant messenger, a content providing service such as music/video/book, etc. including. The server 110 may independently provide one or more predetermined services, or a plurality of servers 110 may provide one or more predetermined services. 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.

The terminal 120 is, for example, a terminal of a user's smartphone or the like, and performs a process of using various services provided by the server 110.

If necessary, the terminal used by the user X will be referred to as a terminal 120X, and the user information in a predetermined service associated with the user X or the terminal 120X will be referred to as a user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. The user information is, for example and without limitation, the user's name, user's icon image, user's age, user's gender, user's address, user's hobby, which is input by the user or given by a predetermined service. Information such as tastes, user identifiers, and other information associated with the user, electronic value (electronic money) balance information associated with the user, and credit card information (credit card number, etc.) associated with the user. Any one of them or a combination thereof may be used.

The network 130 plays a role of connecting two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can send and receive data after connecting to the server 110.

One or more portions of network 130 may be wired or wireless networks. The network 130 is, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless. LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (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 a combination of two or more of these may be included. Networks 130 may include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can realize the functions and methods described in the present disclosure.

The information processing apparatus 200 includes, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, without limitation, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example, but not limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (such as, but not limited to, PDAs (Personal Digital Assistants), email clients, etc.), wearable terminals (such as, but not limited to, eyeglass-type devices, Including clock-type devices), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing device 200 included in the communication system 1 will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing device 200 according to the embodiment.

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 hardware of the information processing device 200 are connected to each other via the bus B as an example and not a limitation.

The information processing apparatus 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. To do.

The processor 201 executes the function and method realized by the code or instruction included in the program stored in the storage 203. The processor 201 is, by way of example and not limitation, a central processing unit (CPU), MPU (Micro Processing Unit), GPU (Graphics processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor). , ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like, 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 shown in each embodiment may be realized by a single integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, 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 to 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 and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

The storage 203 stores the program. The storage 203 includes, for example and without limitation, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I/F 205 transmits and receives various data via the network 130. 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 performing communication with another information processing device via the network 130. The communication I/F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I/F 205 receives various data transmitted from another information processing device and transfers the data to the processor 201.

The input/output I/F 204 includes an input device that inputs various operations on 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 an input device and an output device may be separated.

The input device is realized by any of all types of devices capable of receiving an 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, a hardware key such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

The output device is realized by any of all types of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. In the case of outputting the processing result as a video or a moving image, the output device is realized by any one or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. It The output device is, for example, without limitation, a touch panel, a touch display, a monitor (for example, without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying images and text information in the air (may be a vacuum), a speaker (voice output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program in a “non-transitory tangible medium”. 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, field programmable gate arrays (FPGAs), application specific ICs (ASICs), 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 any suitable combination of two or more thereof. Storage media may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

In addition, the program of the present disclosure may be provided to the information processing apparatus 200 via any transmission medium (communication network, broadcast wave, or the like) capable of transmitting the program.

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.

It should be noted that the program of the present disclosure is implemented using, for example and without limitation, a script language such as JavaScript (registered trademark), Python, C language, Go language, Swift, Kotlin, Java (registered trademark), or the like.

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 part of the processing of each functional unit realized by the processor 201 may be configured to be performed by another information processing device.

<Other>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

In this disclosure, unless stated otherwise or indicated by context, "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, herein, unless otherwise stated or indicated by context, "an A" or "the A" means "one or more A."

This disclosure includes all changes, substitutions, variations, alterations, or modifications made by those skilled in the art to the embodiments and examples of the present disclosure. Moreover, the appended claims encompass all changes, substitutions, variations, alterations, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Furthermore, this disclosure includes any combination of one or more features of the embodiments or examples in this disclosure with one or more features of other embodiments or examples in this disclosure that can be made by those skilled in the art. To do.

In addition, a device or system or component of a device or system adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function. References in the appended claims to that device, system, or component are so adapted, arranged, capable, configured, enabled, enabled Device, system, component, whether it is activated, turned on, or unlocked, as long as the device, system, component or its particular function is activated.

Unless otherwise specified, the present disclosure may obtain consent from a user before or immediately before implementing any of the embodiments or examples. Further, the consent to be acquired may be comprehensive or may be acquired each time.

<Embodiment>
Embodiments of the present disclosure include
It is an embodiment that provides a joint account that can be used by each of a plurality of users for payment.

According to the embodiment, it is possible to improve convenience when making payment by a plurality of users, for example. Further, for example, since the user does not need to set the split payment amount for each payment, the effect that the load on the terminal 120A and the server 110 and the load on the network 130 between the terminal 120A and the server 110 can be reduced can be obtained. To be

<Functional configuration of the embodiment>
Functional configurations of the server 110 and the terminal 120 will be described with reference to FIG. FIG. 3 is a diagram showing an example of a block diagram showing a functional configuration of the server 110 and the terminal 120 according to the embodiment. The functional unit disclosed in FIG. 3 is realized by cooperation of the processor 201 included in the information processing apparatus 200, the memory 202, the storage 203, the input/output I/F 204, and the communication I/F 205.

(1) Functional Configuration of Server The server 110 has a reception unit 311, a transmission/reception unit 312, a control unit 313, a display control unit 314, and a storage unit 315. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) as far as possible.

The reception unit 311 receives various setting operations and the like from a business operator who operates various services provided by the server 110.

The transmission/reception unit 312 transmits/receives data to/from the terminal 120 according to an instruction from the control unit 313. The transmission/reception unit 312 connects a session for communication with the terminal 120 using HTTPS or the like when the user of the terminal 120 is authenticated by the user ID and the password included in the login request from the terminal 120, for example. .. Then, the communication address of the terminal 120 and the like, the user ID, and the like are stored in association with the ID of the connected communication session. Then, using the connected communication session, the data is transmitted to the terminal 120 or the like.

The control unit 313 performs a process of providing services such as a payment service, a financial service, and an SMS messaging service to the user of the terminal 120.

The display control unit 314 causes the transmission/reception unit 312 to transmit information for controlling the display screen of the terminal 120 or the like according to the instruction of the control unit 313.

The storage unit 315 stores a user information storage unit 3151 that stores user information, a group information storage unit 3152 that stores group information that manages a joint account, and a settlement history storage unit that stores a history of each settlement using the joint account. It has 3153 etc. Each information stored in each storage unit will be described later.

(2) Functional Configuration of Terminal The terminal 120 includes a reception unit 321, a transmission/reception unit 322, a control unit 323, a display control unit 324, and a storage unit 325. Note that the function or processing of each functional unit may be realized by machine learning or AI within a feasible range.

The reception unit 321 receives various operations and the like from the user of the terminal 120.

The transmission/reception unit 322 transmits/receives data to/from the server 110 or the like according to an instruction from the control unit 323. Note that the transmitting/receiving unit 322 connects a session for communication with the server 110 using HTTPS or the like when logging in to the server 110, for example. Then, the communication address of the server 110 and the like are stored in association with the ID of the connected communication session. Then, the data is transmitted to the server 110 using the connected communication session.

The control unit 323 performs a process of using a predetermined service such as a payment service provided by the server 110.

The display control unit 324 controls the display screen of the terminal 120 based on the information received from the server 110 according to the instruction of the control unit 323.

The storage unit 325 stores information for using services provided by the server 110.

<Process of Embodiment>
The processing of the communication system 1 according to the embodiment will be described below. In addition, below, each user of the terminal 120A, the terminal 120B, and the terminal 120C is called the user A, the user B, and the user C, respectively. It is assumed that each terminal 120 is authenticated by the server 110 using the account of the user of each terminal 120 when communicating with the server 110.

<<Process when creating a joint account>>
A process of creating a joint account of the communication system 1 according to the embodiment will be described with reference to FIGS. 4 to 6B. FIG. 4 is a diagram showing an example of a sequence of processing for creating a joint account in the communication system 1 according to the embodiment. FIG. 5A is a diagram showing an example of user information stored in the user information storage unit 3151 according to the embodiment. FIG. 5B is a diagram showing an example of group information stored in the group information storage unit 3152 according to the embodiment. 6A and 6B are diagrams showing an example of a display screen of the terminal 120 according to the embodiment.

Hereinafter, a case where the user A first creates a group (group A) including the users A and B and then adds the user C to the group will be described as an example. The number of users included in the group is not limited to this example. Also, adding users to groups is not mandatory.

In step S1, the receiving unit 321 of the terminal 120A receives from the user A an operation of setting a group including a plurality of users. Here, the reception unit 321 of the terminal 120A performs, for example, an operation of selecting a user to be included in the group from the users who are set in the user information storage unit 3151 of the server 110 in advance with the user A in a predetermined relationship such as friends. You may accept.

Further, the reception unit 321 of the terminal 120A may acquire the candidates of users to be included in the group from the server 110, and allow the user A to select from the candidates of the user. The control unit 313 of the server 110 may select user candidates to be included in the group based on the social graph or the like. In this case, the control unit 313 of the server 110 uses, for example, the user ID of the user of the terminal 120 located in the predetermined range from the current position of the terminal 120A, who has the predetermined relationship set in the user information storage unit 3151. Based on that, the candidates of users to be included in the group may be selected. For example, the control unit 313 of the server 110 sets a predetermined relationship with a user (a friend user) who has a predetermined relationship with the user A and a user who has a predetermined relationship with the user A. A user (user of a friend of a friend) may be selected. As a result, among the other users near the user A, the user who is considered to be eating and drinking with the user A can be extracted as a candidate for the user to be included in the group.

The predetermined relationship means that the server 110 or the terminal 120 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 approved mutual relationship building, a relationship in which at least one has offered to build a relationship, a relationship built based on user information, a relationship built based on user behavior, or a predetermined relationship. It may include a state in which the relationship is established by satisfying the condition. The relationship constructed based on user information may include a relationship in which users having one or more identical or similar user information are related to each other, and the relationship constructed based on user behavior is one or more. It may also include a relationship in which users having the same or similar user behavior are associated with each other. Also, as an example and not by way of limitation, the user having the predetermined relationship with the first user may be not only the second user having the predetermined relationship with the first user but also the predetermined relationship with the second user. The third user (friend of friend) who is set may also be included.

Further, the user having the predetermined relationship with the user (the user having the predetermined relationship with the user) may be, for example, without limitation, all users having the predetermined relationship with the user, or a predetermined predetermined value. The number of users may be, or the degree of intimacy may be more than a predetermined degree.

Here, the degree of intimacy with the user within a predetermined period (may be 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 of intimacy may be determined so that the degree of intimacy increases in descending order of the amount of messages transmitted and received between them. Alternatively, the degree of intimacy may be determined so that the degree of intimacy increases in descending order of the number of transactions (including product sales, asset transmission/reception/exchange, etc.) performed between users within a predetermined period.

Further, the degree of intimacy may be a degree to which the degree of intimacy is determined such that the degree of intimacy becomes higher 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.

In addition, the degree of intimacy means that for a plurality of other users who have a predetermined relationship with a user, the closer the other users are within a predetermined range from the position of the user, the higher the intimacy degree becomes. The degree may be determined. Further, the degree of intimacy is, for a plurality of users who have a predetermined relationship with a user, a relationship estimated based on the period from when the predetermined relationship was established until the present and the position information of each user (for example, family members). The degree of intimacy may be determined to be higher as the relationship is estimated to be higher.

Further, the degree of intimacy is the degree to which the degree of intimacy is determined such that the greater the number of users in common with the user (the number of common friends), the higher the degree of intimacy among a plurality of other users having a predetermined relationship with the user. It may be.

Also, the degree of intimacy is determined so that the higher the number of users who have a predetermined relationship with the user who is communicating with the user and who have a predetermined relationship with each other, the higher the degree of intimacy. It may be the degree to be performed.

The degree of intimacy is the degree of intimacy determined as the degree of similarity between the user's own attribute and each of the attributes of a plurality of users having a predetermined relationship with the user increases. Good. The user's attributes may be interest or interest, by way of example and not limitation.

In addition, the control unit 323 of the terminal 120A acquires the information of the candidate of the user to be included in the group from the other terminal 120 by the short-range wireless communication, and causes the display control unit 324 to display the acquired user of the other terminal 120. Good. In this case, the near field wireless communication may be any as long as wireless communication can be established between the terminals 120 at a relatively short distance. Short-range wireless communication includes, for example and without limitation, Wi-Fi, RFID (Radio Frequency Identifier), NFC (Near Field Communication), BLE (Bluetooth Low Energy), ultrasonic waves, and the like.

As a result, other users near the user A can be extracted as candidates for users to be included in the group. Further, the control unit 323 of the terminal 120A may select a user candidate to be included in the group based on the social graph. In this case, the control unit 323 of the terminal 120A selects, for example, among the users of the other terminals 120 detected by the short-range wireless communication, a user (friend user) having a predetermined relationship with the user A, The selected user may be displayed by the display control unit 324.

In addition, the accepting unit 321 of the terminal 120B may accept an operation of designating a group generated in advance as a group for transmitting and receiving content using the messaging service provided by the server 110 as a group for a joint account.

(User information storage unit 3151)
In the example of FIG. 5A, the user information storage unit 3151 stores a name, an icon, a balance, and a user ID of each user set in a predetermined relationship in association with the user ID. The user ID is identification information of the user. The name is the name of the user. The icon is an image (still image, illustration, etc.) showing the user set by the user. The balance is the balance of the account of the user that can be used by the user for payment by the payment service provided by the server 110. The user ID of each user set in a predetermined relationship is, for example, the user ID of a user set as a friend in the SNS or the like provided by the server 110.

Subsequently, the transmission/reception unit 322 of the terminal 120A transmits a request to set a group to the server 110 (step S2). Here, the request for setting the group may include, for example, the user ID of the user A and the user IDs of one or more users included in the group designated by the user A. In addition, the control unit 313 of the server 110 uses the user ID of the user A of the user A of the terminal 120A based on the ID of the session for data communication received from the terminal 120A that has logged in to the server 110 in advance. You may acquire ID.

In the following description, it is assumed that user A first specifies that user B should be included in the group. The control unit 313 of the server 110 sets a group including each designated user in the group information storage unit 3152 (step S3). Here, the control unit 313 of the server 110 transmits a notification of being invited to a group including the user A and the user B to the terminal 120B to display the notification. Then, when the operation for approving the participation in the group is performed by the user B, a notification to that effect is transmitted to the terminal 120A and displayed. Thereby, the user A and the user B can use the messaging service provided by the server 110, for example, to send and receive the content between the users included in the group. Note that the content may include a message, an image (including a still image and a moving image), an illustration, and the like.

(Group information storage unit 3152)
In the example of FIG. 5B, the group information storage unit 3152 stores a name, each user ID, a history of transmitted and received contents, and a balance in association with the group ID. The group ID is identification information of the group. The name is, for example, the name of the group specified by the user when setting (generating, creating) the group.

Each user ID of a plurality of users is a user ID of each user included in the group. The history of the transmitted/received contents is the history of the contents transmitted/received in the group. The history of the transmitted/received content stores, for example, the user ID of the user who transmitted the content, the date and time when the content was transmitted, the data of the content of the content, etc. in association with the ID of the transmitted/received content. Good.

The balance is the balance of the account (joint account) of the group that each user included in the group can use for payment by the payment service provided by the server 110.

Subsequently, the reception unit 321 of the terminal 120A receives an operation in which each user included in the group specifies each amount of money to be deposited in the joint account of the group (step S4). In the example of FIG. 6A, the display control unit 324 of the terminal 120A displays a group name 602, a message 603 for prompting each user to enter a deposit amount to be designated, and a user A icon 604A on the deposit screen 601 for the joint account. , A name 604B, a deposit amount input field 604C, a user B icon 605A, a name 605B, a deposit amount input field 605C, and a “decide” button 606 are displayed. When the accepting unit 321 accepts the operation of inputting the amount of money in the input fields 604C and 605C and pressing the “OK” button 606, the terminal 120A performs the following processing. In the example of the input fields 604C and 605C of FIG. 6A, it is specified that the user A and the user B deposit 5000 yen each into the joint account. It should be noted that each user may be allowed to deposit the deposit amount after designating his or her deposit amount. Alternatively, the payment may be automatically made every predetermined period (for example, every one month).

Subsequently, the transmission/reception unit 322 of the terminal 120A transmits a deposit request including information on each amount to be deposited in the joint account of the group designated by the user A to the server 110 (step S5). Here, the deposit request may include the group ID, the user ID of the user A, the deposit amount of the user A, the user ID of the user B, the deposit amount of the user B, and the like.

Subsequently, the control unit 313 of the server 110 transfers the amount of money, which is designated by the user A in the received deposit request and deposited by the user A to the group joint account, from the user A account to the group joint account (payment). Yes (step S6). Here, the control unit 313 of the server 110 subtracts the specified amount from the balance of the user A in the user information storage unit 3151. Then, the control unit 313 of the server 110 adds the amount to the balance of the group A of the group information storage unit 3152. Here, the transmission/reception unit 312 of the server 110 may transmit, to the terminal 120A, a notification that enables the user A to make a payment from the balance of the group A. Then, upon receiving the notification, the display control unit 324 of the terminal 120A may allow the user A to operate a button or the like for settlement from the balance of the group A.

Subsequently, the transmission/reception unit 312 of the server 110 transmits, to the terminal 120B, a deposit request for the amount of money to be deposited by the user B into the joint account of the group, which is designated by the user A in the received deposit request (step S7).

Subsequently, the display control unit 324 of the terminal 120B displays the received deposit request (step S8). Here, the display control unit 324 of the terminal 120B may display a display screen as shown in FIG. 6B, for example. In the example of FIG. 6B, the display control unit 324 of the terminal 120B displays the group message screen 611 that displays the content or the like transmitted/received in the group A by the messaging service provided by the server 110 in the transmitted chronological order. I am making it. In the example of FIG. 6B, the respective contents and the like are displayed in order from the bottom of the display area 613 for the transmitted and received contents and the like, in the order in which the transmitted date and time are new. Note that the display control unit 324 of the terminal 120 may display each content or the like in order from the top of the display area 613 in the order of the latest transmitted date and time.

In the example of FIG. 6B, the message 614A transmitted by the user A and the transmission date/time 614B of the message 614A are displayed in association with the icon 604A and the name 604B of the user A. Further, the message 615A transmitted by the user B and the transmission date/time 615B of the message 615A are displayed in association with the icon 605A and the name 605B of the user B. Further, a message 616A, which is distributed by the server 110 to the terminal 120 of each user included in the group and indicates that the user A has deposited the joint account, and its transmission date and time 616B are displayed. Further, a payment request message 617A transmitted by the server 110, its transmission date and time 617B, a "cancel" button 617C, and an "accept and deposit" button 617D are displayed.

Subsequently, the reception unit 321 of the terminal 120B receives, from the user B, an operation of consenting to deposit the amount of money specified by the user A (step S9). Here, the reception unit 321 of the terminal 120B receives from the user B, for example, a pressing operation of the “accept and deposit” button 617D in FIG. 6B. The terminal 120B may allow the user B to specify an arbitrary deposit amount and deposit. In this case, the terminal 120B may allow the user B to specify an amount equal to or more than the amount specified by the user A. Thereby, for example, the user B can deposit a larger amount than the amount designated by the user A.

Subsequently, the transmission/reception unit 322 of the terminal 120B transmits an acceptance response to the received deposit request to the server 110 (step S10). Here, the acceptance response may include the group ID, the user ID of the user B, the deposit amount of the user B, and the like.

Subsequently, the control unit 313 of the server 110 transfers the amount of money designated by the user A or the user B and deposited by the user B to the group joint account from the user B account to the group joint account (step S11). .. Here, the control unit 313 of the server 110 subtracts the specified amount from the balance of the user B in the user information storage unit 3151. Then, the control unit 313 of the server 110 adds the amount to the balance of the group A of the group information storage unit 3152. Here, the transmission/reception unit 312 of the server 110 determines whether the amount of money deposited by the user B into the group's joint account is greater than or equal to the amount specified by the user A, and only when the amount of money is greater than or equal to the amount of money, the group by the user B is included. You may transmit to terminal 120B the notification which enables payment from the balance of A. Then, upon receiving the notification, the display control unit 324 of the terminal 120B may allow the user B to operate a button or the like for settlement from the balance of the group A. Thereby, a user who deposits a predetermined amount or more into the joint account can be settled using the joint account. In addition, it is possible to prevent users who have not paid in the joint account from making payment using the joint account.

Subsequently, the reception unit 321 of the terminal 120A adds the user C to the group and receives an operation from the user A for designating the amount of money to be deposited by the user C in the group joint account (step S12). Subsequently, the transmission/reception unit 322 of the terminal 120A transmits a deposit request including information on each amount specified by the user A to be deposited by the user C to the group joint account to the server 110 (step S13).

Subsequently, the transmission/reception unit 312 of the server 110 transmits the deposit request to the terminal 120C (step S14). Here, the deposit request may include information on the amount of money designated by the user A and deposited by the user C into the group joint account.

Subsequently, the display control unit 324 of the terminal 120C displays the received deposit request (step S15). Subsequently, the reception unit 321 of the terminal 120C receives, from the user C, an operation of consenting to deposit the amount of money specified by the user A (step S16). The terminal 120C may allow the user C to specify an arbitrary deposit amount and deposit. In this case, the terminal 120C may allow the user C to specify an amount equal to or more than the amount specified by the user A. Thereby, for example, the user C can deposit a larger amount than the amount designated by the user A. Subsequently, the transmission/reception unit 322 of the terminal 120C transmits an acceptance response to the received deposit request to the server 110 (step S17).

Subsequently, the transmitting/receiving unit 312 of the server 110 transfers the amount of money designated by the user A or the user C and deposited by the user C to the joint account of the group from the account of the user C to the joint account of the group (step S18). .. Here, the transmission/reception unit 312 of the server 110 determines whether or not the amount of money deposited by the user C into the group's joint account is equal to or more than the amount designated by the user A, and only when the amount of money is equal to or more than the amount of money, the group by the user C. You may transmit the notification which enables settlement from the balance of A to the terminal 120C. Then, when the notification is received, the display control unit 324 of the terminal 120C may allow the user C to operate a button or the like for settlement from the balance of the group A. Further, here, the control unit 313 of the server 110 adds the user C to the group A of the messaging service so that the users A, B, and C can send and receive the content using the group A. Good. As a result, the user C added to the group A deposits an amount not less than the amount specified by the user A into the joint account, thereby making payment using the joint account and using the messaging service in the group A. Will be possible.

≪Process when paying with a joint account≫
A process of making a settlement with a joint account of the communication system 1 according to the embodiment will be described with reference to FIGS. 7 to 9. FIG. 7 is a diagram showing an example of a sequence of processing for performing settlement with a joint account of the communication system 1 according to the embodiment. 8A to 8C are diagrams showing an example of a display screen of the terminal 120 according to the embodiment. FIG. 9 is a diagram showing an example of a payment history stored in the payment history storage unit 3153 according to the embodiment.

Hereinafter, a case where the user C makes a payment using a joint account of the group A including the user A, the user B, and the user C will be described as an example. The number of users included in the group is not limited to this example. The process when the user A and the user B settle using the joint account of the group A may be the same as the process described below when the user C makes a settlement using the joint account of the group A.

In step S51, the accepting unit 321 of the terminal 120C accepts from the user C an operation of making a payment from the group A joint account using the payment service provided by the server 110. Here, the accepting unit 321 of the terminal 120C may accept settlement operations by various methods such as QR code (registered trademark) settlement, contactless settlement, credit card settlement, and online settlement.

Subsequently, the transmission/reception unit 322 of the terminal 120C transmits the settlement request to the server 110 (step S52). Here, the settlement request may include the group ID of the group A, the user ID of the user C, and the settlement information. The payment information may include information (receipt information) such as the payment amount, the ID of the business operator of the payment destination, and a breakdown of the payment.

Subsequently, the control unit 313 of the server 110 stores the payment information and the like included in the received payment request in the payment history storage unit 3153 (step S53).

(Payment history storage unit 3153)
In the example of FIG. 9, the payment history storage unit 3153 stores the payment ID, the user ID of the payer, the payment information, the usage amount (yen), and the approval status in association with the group ID. The settlement ID is identification information for settlement with a joint account. The user ID of the payer is the user ID of the user who made the payment. The payment information is information indicating the contents of payment. The usage amount is each user who used (consumed) the settled product and the usage amount of each user. The approval status is the approval status of settlement by each user in the joint account, and includes “approved”, “non-approved”, “unapproved” and the like. The usage amount and the approval status may be set, for example, by a user operation on the terminal 120.

Subsequently, the control unit 313 of the server 110 performs settlement (rebuilding) from the account of the user C (step S54). Here, the server 110 control unit 313 subtracts the settlement amount from the balance of the user C stored in the user information storage unit 3151 and adds the settlement amount to the balance of the account of the payee company. This completes the payment at the store or the like.

Subsequently, the transmission/reception unit 312 of the server 110 transmits the payment information to the terminals 120A, 120B, and 120C of the users included in the group A by the messaging service (steps S55-1 to S55-1). Subsequently, the display control units 324 of the terminals 120A, 120B, and 120C respectively display payment information including receipt information and the like on the group message screen of group A in the messaging service (steps S56-1 to S56-1). ..

Subsequently, the transmission/reception unit 312 of the server 110 transmits a settlement approval request to the terminals 120A and 120B of each user other than the user C included in the group A by the messaging service (steps S57-1 and S57-2). .. Subsequently, the display control units 324 of the terminal 120A and the terminal 120B respectively display the approval request on the group message screen of the group A in the messaging service (steps S58-1 and S58-2). In the example of FIG. 8A, the display control unit 324 of the terminal 120A and the terminal 120B causes the messaging service provided by the server 110 to display the content and the like transmitted/received in the group A in the transmitted time series order. A screen 801 is displayed.

In the example of FIG. 8A, in the area 802 displaying the payment information and the approval request, the message 802A indicating that the approval of the payment by the joint account has been requested by the user C, the overview 802B of the payment details, and “View details”. A button 801C and a "set user" button 801D are displayed. Further, in the area 802, the approval status 802E of each user other than the settler included in the group A, the “not approve payment” button 802F, the “approve payment” button 802G, and the transmission date and time 802H of the approval request are also displayed. There is.

A message 803C transmitted by the user C and a transmission date/time 803D of the message 803C are displayed in association with the icon 803A and the name 803B of the user C.

In addition, since the approval from the user C who made the payment with the joint account is not required, the “not approve the payment” button 802F and the “approve the payment” are displayed on the group message screen displayed by the display control unit 324 of the terminal 120C. The "do" button 802G is not displayed.

When the "view details" button 801C is pressed, the display control unit 324 of the terminal 120 displays detailed information on payment such as a breakdown of purchased products. Further, when the “set user” button 801D is pressed, a display screen for accepting each user who used (consumed) the settled product and the operation for setting the usage amount of each user is displayed.

When the “not approve payment” button 802F is pressed, the transmission/reception unit 322 of the terminal 120 transmits a non-approval response to the server 110. Then, the control unit 313 of the server 110 updates the approval status for the user of the terminal 120 from “unapproved” to “non-approved” in the payment history storage unit 3153.

Subsequently, the accepting units 321 of the terminals 120A and 120B accept the approval operation from the users A and B, respectively (steps S59-1 and S59-2). Here, the accepting units 321 of the terminals 120A and 120B, respectively, accept the pressing operation of the “approve payment” button 802G in FIG. 9, for example. Subsequently, the transmission/reception units 322 of the terminals 120A and 120B respectively transmit the approval response to the server 110 (steps S60-1 and S60-2).

Then, the control unit 313 of the server 110 transfers the settlement amount from the group A joint account to the user C account (step S61). Here, the control unit 313 of the server 110 subtracts the settlement amount from the balance of the group A in the group information storage unit 3152, and adds the settlement amount to the balance of the user C stored in the user information storage unit 3151. .. As a result, the payment amount that has been collected by the user C is settled from the joint account. Further, the control unit 313 of the server 110 updates the approval status for the user of the terminal 120 from “unapproved” to “approved” in the payment history storage unit 3153.

When the settlement by the joint account is approved by the user A and the user B, and the user and the amount of the settlement are set for either user, the display control unit 324 of the terminal 120 displays the group message screen 811 of FIG. 8B. Is displayed. In the example of FIG. 8B, the settlement user and the usage amount 812 and the approval status 813 of each user are displayed.

In addition, the display control unit 324 of the terminal 120 of each user included in the group A displays the settlement history in which each user makes a settlement with the joint account of the group A in response to the user's operation. In the example of FIG. 8C, in the payment history screen 821 of the user B in the group A, the payment information 822 and 823 associated with the user B, the balance 824 of the group A joint account, and the amount of money deposited by the user B into the joint account are displayed. The total amount 825 and the usage amount 826 of the joint account by the user B are displayed. This allows the user to check the usage status of the joint account by each user included in the group.

According to the above-described embodiment, since there is no need to split the bill each time the payment is made, for example, a joint account between a married couple and a group trip with friends make a joint payment through a simple operation. be able to.

<Example 1>
In the above-described embodiment, an example has been described in which payment is performed from the joint account when all users other than the settler included in the group perform the approval operation. Instead, for example, when setting (generating) a group, the terminal 120 sets a group manager in the server 110 in response to a user operation, and the group manager performs an approval operation. In this case, payment may be made from a joint account. This makes it possible to easily approve the payment. Alternatively, when a majority of the users included in the group perform the approval operation, the settlement from the joint account may be performed. Alternatively, the settlement from the joint account may be performed when at least one user among the users included in the group performs the approval operation.

Alternatively, in the case of a group such as a couple, the approval operation may be unnecessary by the operation when setting (generating) the group. In this case, in the process of step S54 of FIG. 9, the control unit 313 of the server 110 makes a payment from the joint account and does not send the approval request to the terminal 120.

<Example 2>
In the above-described embodiment, an example has been described in which the payment is made in advance from the account of the user C who is the payer at the time of payment, and the money is transferred from the joint account to the account of the user C when the approval is obtained. Instead of this, payment may be made in the joint account at the time of settlement, and if the settlement is not approved, the remittance may be transferred from the user C's account to the joint account.

In this case, in the process of step S54 of FIG. 9, the control unit 313 of the server 110 makes a settlement from the group A joint account. Here, the control unit 313 of the server 110 subtracts the settlement amount from the balance of the group A in the group information storage unit 3152, and adds the settlement amount to the balance of the account of the payee company. This completes the payment at the store or the like.

Then, when the settlement is not approved by another user, the control unit 313 of the server 110 supplements the settlement amount from the account of the user C. Here, the control unit 313 of the server 110 subtracts the settlement amount from the balance of the user C stored in the user information storage unit 3151, and adds the settlement amount to the balance of the group A in the group information storage unit 3152. As a result, even if the balance of the payer is less than the payment amount, it is possible to settle with the joint account.

<Example 3>
When the user included in the group of the joint account withdraws from the group, the control unit 313 of the server 110 may transfer at least a part of the balance of the joint account to the balance of the withdrawing user. In this case, the control unit 313 of the server 110 sets, for example, an amount corresponding to the ratio of the amount of money deposited in the joint account by each user included in the group of joint accounts and the balance of the joint account to the balance of the withdrawing user. You may send money. For example, if user A withdrawing deposits 10,000 yen into the joint account, each other user deposits 10,000 yen in total into the joint account, and the balance of the joint account is 10,000 yen, half of that 5,000 yen may be remitted to the user A.

Further, the control unit 313 of the server 110 responds to, for example, the ratio of the amount of money deposited in the joint account by each user included in the joint account group, the amount of use of the joint account of each user, and the balance of the joint account. The amount may be transferred to the withdrawing user's balance. For example, the withdrawing user A deposits 10,000 yen into the joint account, the usage amount of user A is 5,000 yen, and each other user deposits into the joint account a total of 10,000 yen. When the usage amount of each user is 0 yen and the balance of the joint account is 10,000 yen, 1333 of that, 3333 yen, may be remitted to the user A.

In the present disclosure, remittance includes subtracting a predetermined amount of money from one balance and adding a predetermined amount of money to the other balance.

1 communication system 110 server 120 terminal 130 network 200 information processing device 311 reception unit 312 transmission/reception unit 313 control unit 314 display control unit 315 storage unit 3151 user information storage unit 3152 group information storage unit 3153 payment history storage unit 321 reception unit 322 transmission/reception unit 323 control unit 324 display control unit 325 storage unit

Claims (9)

The information processing device
Managing a first group of accounts including a first user and a second user,
When a first settlement request by the first group account is received from the information processing terminal of the first user, settlement is performed from the first group account based on the first settlement request,
An information processing method, wherein when a second settlement request by the account of the first group is received from the information processing terminal of the second user, a process of performing settlement from the account of the first group based on the second settlement request. When the request for remittance from the account of the second user to the account of the first group is received from the information processing terminal of the second user, the second user can make a payment using the account of the first group. The information processing method according to claim 1. When the second payment request is received from the information processing terminal of the second user, the information of the second payment request is transmitted to the information processing terminal of the first user,
The information processing method according to claim 1, wherein when the first user approves the second payment request, a process of performing payment from the account of the first group is executed based on the second payment request. When the second settlement request is received from the information processing terminal of the second user, the second user's account is settled based on the second settlement request, and the information of the second settlement request is set by the first user. A method of transmitting to an information processing terminal, and when the second settlement request is approved by the first user, remittance from the account of the first group to the account of the second user based on the second settlement request. The information processing method described in 3. When the second settlement request is received from the information processing terminal of the second user, the second settlement request is settled from the account of the first group, and the information of the second settlement request is set by the first user. The information is transmitted to an information processing terminal, and when the second settlement request is not approved by the first user, the remittance is sent from the account of the second user to the account of the first group based on the second settlement request. Or the information processing method described in 4. Providing a messaging service that allows you to send and receive content in groups that include multiple users,
Information for displaying information settled from the account of the first group and content transmitted and received in the first group by the messaging service in chronological order, the information processing terminal of the first user, and the second The information processing method according to any one of claims 1 to 5, which is transmitted to a user's information processing terminal. When the second user is set as the bearer of the amount to be settled by the first settlement request, the second settlement request is added to the list of information settled by the second user from the account of the first group. The information processing method according to any one of claims 1 to 6, wherein the information settled from the account of the first group is displayed based on the information. Managing a first group of accounts including a first user and a second user,
When a first settlement request by the first group account is received from the information processing terminal of the first user, settlement is performed from the first group account based on the first settlement request,
An information processing apparatus having a control unit that, when a second settlement request by the first group account is received from the information processing terminal of the second user, performs a settlement from the first group account based on the second settlement request. In the information processing device,
Managing a first group of accounts including a first user and a second user,
When a first settlement request by the first group account is received from the information processing terminal of the first user, settlement is performed from the first group account based on the first settlement request,
A program that, when a second settlement request by the first group account is received from the information processing terminal of the second user, executes processing for settlement from the first group account based on the second settlement request.

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