JP2020129281A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

To provide a technique that allows for specifying who to split a bill with more easily.SOLUTION: An information processing device provided herein executes processes comprising: receiving at least a portion of settlement information and content including the face of a second user from an information processing terminal of a first user via a network; identifying the second user as a bill-splitting user for a settlement corresponding to the settlement information in accordance with the received content; and computing a split amount to be paid by the first user and the second user.SELECTED DRAWING: Figure 9

Description

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

Conventionally, when a plurality of users eat, drink, or purchase products, one user collects the payment (collectively) at a cash register in a store, and another user pays the one user online. There is known a technique that allows a plurality of users to share (pay split) payment of a price by performing remittance (remittance between individuals) using a settlement service to be performed (for example, see Patent Document 1).

JP, 2013-238998, A

However, depending on the user, the balance of the account may be less than the shared amount of remittance between individuals, and payment may not be possible. In this case, for example, it is necessary for the user to pay the account and then perform the payment process again, or if the user does not make the payment, the user who is recovering the price needs to urge, increasing the communication volume or information. The load on the processing equipment can be an issue.

The present disclosure aims to provide a technique capable of facilitating payment of remittance between individuals.

In an information processing method according to an embodiment of the present disclosure, an information processing apparatus sends a remittance request for requesting remittance of a predetermined billing amount to a first user from a first information processing terminal used by a first user. The process of receiving, the process of transmitting the remittance request to the second information processing terminal used by the second user, and the account of the second user when the balance of the account of the second user is less than the billing amount. On the other hand, a process of compensating for at least a part of the difference between the billed amount and the balance by a post-payment service and making a settlement and a process of adding the billed amount to the account of the first user are executed.

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 a functional composition of a server and a terminal concerning a 1st embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on 1st Embodiment. It is a figure which shows an example of the split target user identification method of the 1st Example of 1st Embodiment. It is a figure which shows an example of the split target user identification method of the 2nd Example of 1st Embodiment. It is a figure which shows an example of the split target user identification method of the 3rd Example of 1st Embodiment. It is a figure which shows an example of the splitting object user identification method of 4th Example of 1st Embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on 2nd Embodiment. It is a figure which shows an example of a postpaid service proposal screen. It is a figure which shows the example of a screen after application of a postpaid service. It is a figure which shows the example of a screen after the settlement processing of the split bill amount is completed.

<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 the sharing (payload) of payment of a plurality of users, which can improve the convenience 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, if 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 expressed as the information processing device 200, respectively. Note that 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 is, for example, without limitation, 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. 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 makes split payments using a payment service provided by the server 110.

In the present disclosure, the settlement service means a service that allows one or more users to exchange money or money equivalents. By way of example and not limitation, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (hereinafter, one-dimensional code and two-dimensional code are collectively referred to as “two-dimensional code, etc.” ), near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, the fact that the terminal 120 of the user (payer) who pays the price reads the two-dimensional code or the like to perform payment is referred to as “user-readable code payment” or “MPM (Merchant Presented Mode)”, and payment is performed. The terminal 120 of the user who performs the operation displays the two-dimensional code or the like, and the displayed two-dimensional code or the like is read by the terminal 120 of the user (seller, invoicer) on the store side or the like who bills for the payment. This is referred to as “store-reading code settlement” or “CPM (Consumer Presented Mode)”. The MPM and CPM may be dynamic or static.

If necessary, the terminal used by the user X is expressed as a terminal 120X, and the user information in a predetermined service associated with the user X or the terminal 120X is expressed 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, the user's icon image, the user's age, the user's gender, the user's address, the 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 has 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 transmit 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 computer devices (such as, but not limited to, PDAs (Personal Digital Assistants), email clients, etc.), wearable terminals (such as, but not limited to, eyeglass devices, Including clock-type devices), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing apparatus 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 respective components of the hardware of the information processing device 200 are connected to each other via the bus B by way of example and not limitation.

The information processing apparatus 200 realizes the functions and/or methods described in the present disclosure by the 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 process 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 executes 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, a 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, the input device and the output device may be integrated, or the input device and the 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, by way of example and not limitation, a touch panel, a touch display, a hardware key such as 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 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 or a moving image, the output device is realized by any one or a combination of all types 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 (as an 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 the 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.

Further, the program of the present disclosure may be provided to the information processing device 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, for example and without limitation, by using 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 a 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, "an A" or "the A" means "one or more A," unless otherwise specified or indicated by context.

This disclosure includes 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. 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 device or system component adapted, arranged, capable, configured, usable, operable, or operable to be adapted to perform a particular function. References in the claims appended hereto are those devices, systems, or components that are so adapted, arranged, capable, configured, enabled, enabled. As long as the device, system, or component is activated, turned on, or unlocked, the device, system, or component is encompassed as long as the device, system, or component is activated, turned on, or unlocked.

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.

<First Embodiment>
The first embodiment of the present disclosure is an embodiment in which the user to be split is specified using an image including the face of the user (the split bill designation image 121) and the split amount is calculated. Note that the present disclosure describes an example of using an image (still image), but is not limited to this. More specifically, it may be a moving image instead of an image, or a combination thereof. When it is not necessary to distinguish between images and moving images, the images and moving images may be expressed as contents. That is, the content includes at least one of a moving image and a still image, and can also be expressed as “image information”.

According to the first embodiment, the user to be split can be specified simply by selecting an image including the face of the user and sending it to the server 110. Therefore, an operation such as sequentially designating the user to be split is unnecessary, and the split target person is not required. This has the effect of making it easier to specify.

<Functional configuration of the first 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 first embodiment. The functional unit disclosed in FIG. 3 is realized by cooperation of a processor 201 included in the information processing device 200, a memory 202, a storage 203, an input/output I/F 204, and a communication I/F 205.

(1) Functional configuration of the server
The server 110 includes a reception unit 311, a transmission/reception unit 312, a control unit 313, and a storage unit 314. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range.

The reception unit 311 receives various setting operations and the like from a business operator that 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 uses, for example, a session for communication with the terminal 120 or the like using HTTPS or the like when the user of the terminal 120 or the like is authenticated by the user ID and password included in the login request from the terminal 120 or the like. Connect. 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 a predetermined service (for example, at least one of a payment service, an electronic coupon distribution service, a financial service, and an electronic commerce service) to the user of the terminal 120. The control unit 313 causes the transmission/reception unit 312 to transmit information that controls the display screen of the terminal 120.

The storage unit 314 stores information on the user of the terminal 120, various types of information such as payment history and attributes of each user, face feature amount, and the like.

(2) Functional configuration of the terminal
The terminal 120 includes a reception unit 321, a transmission/reception unit 322, a control unit 323, and a storage unit 324. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) 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. The transmission/reception unit 322 connects a session for communication with the server 110 using HTTPS or the like, for example, when logging in to the server 110. 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 various services provided by the server 110, such as a payment service, a financial service, and an electronic commerce service. The control unit 323 controls the display screen of the terminal 120 based on the information received from the server 110 and the like.

The storage unit 324 stores information for using various services such as the payment service provided by the server 110.

<Processing of First Embodiment>
Processing of the communication system 1 according to the first embodiment will be described with reference to FIG. 4. FIG. 4 is a diagram showing an example of a processing sequence of the communication system 1 according to the first embodiment. It is assumed that the terminal 120 has been authenticated by the server 110 using the user account when communicating with the server 110. In addition, here, a case where users A, B, and C of the terminals 120A, 120B, and 120C make split payments at a store or the like will be described as an example.

In step S<b>1, the control unit 323 of the terminal 120</b>A transmits a settlement request to the server 110 via the transmission/reception unit 322 to collectively pay the price.

In step S2, the control unit 313 of the server 110, in response to the receipt of the settlement request, subtracts the price from the balance of the account of the user A and performs settlement of the lump sum payment. At this time, the server 110 may send a payment completion notification to the terminal 120A. The payment request is associated with payment identification information (payment ID) that can identify the payment. Further, the payment ID is associated with the payment information. The payment information may be any information as long as it is associated with the payment, and may include the payment amount, the paying user, the receiving user, the payment date and time, the position information of the payment place, and the like.

In step S3, the accepting unit 321 of the terminal 120A accepts a user A (first user) selecting operation for the split bill specifying image 121. The split bill specifying image 121 may be an image taken by the terminal 120A at the time of selection, an image previously taken by the terminal 120A stored in the storage unit 324 of the terminal 120A, or via the network 130 or the like. An image captured by a device other than the terminal 120A may be used. It is sufficient that at least a part of the users to be split is shown in the split bill designation image 121.

In step S4, the control unit 323 of the terminal 120A transmits to the server 110, via the transmission/reception unit 322, a split payment request for clearing at least a portion of the price paid in step S2 with the users B and C (second user). To do. The split bill request includes the split bill designation image 121 selected in step S3 and the settlement ID that is the target of split bill payment.

Further, steps S1 to S4 are not limited to these. More specifically, the processing may be performed in the order of step S3, step S1, and step S2. As a result, the user who makes the payment can simultaneously send the payment request and the split payment request, the number of operations of the terminal 120 can be reduced, and the processing load of the terminal 120 can be reduced.

In step S5, the control unit 313 of the server 110 identifies the user to be split using the split designation image 121 of the split request. For example, the server 110 stores a database in which the user IDs of the users A, B, and C of the terminal 120 are associated with the facial feature amount in the storage unit 314, and the control unit 313 of the server 110 receives the split bill. The face authentication of the designation image 121 is performed, the face feature amount of the person shown in the image is calculated, and the information of the user ID of the target user is specified from the storage unit 314 based on the calculated face feature amount. The process of step S5 may be realized by machine learning or AI.

In step S6, the control unit 313 of the server 110 calculates the allowance amount for each user based on the payment amount in step S2 and the number of the allowance target users identified in step S5. Note that the split bill amount may be inclined between the terminals, or the amount distribution of each terminal may be adjustable by an arbitrary terminal (for example, the terminal 120A). Furthermore, the specified user may be transmitted to the terminal 120, and the amount of money determined by the terminal 120 may be associated with each user.

In step S7, the control unit 313 of the server 110 transmits a notification to the terminals 120B and 120C of the users B and C to be split, via the transmitting/receiving unit 312, that the split payment is to be paid.

In step S8, the control unit 323 of the terminals 120B and 120C displays the split payment notification received from the server 110 on the display screen of the terminal.

In step S9, when the accepting unit 321 of the terminals 120B and 120C accepts the settlement operation of the split payment amount from each of the users B and C, in step S10, the control unit 323 of the terminals 120B and 120C, via the transmitting/receiving unit 312, A settlement request to pay the split bill is transmitted to the server 110.

In step S11, the control unit 313 of the server 110 subtracts the split payment amount from the balance of each account of the users B and C who received the payment request, and adds the split amount to the balance of the account of user A in step S12.

In addition, in step S7, in addition to the split bill payment notification (settlement request), the split bill designation image 121 is also transmitted to each of the terminals 120B and 120C, and is displayed to the user of each of the terminals 120B and 120C in step S8. But it's okay. As a result, the users B and C who have been notified of the split bill payment can easily identify the event subject to split bills by looking at the image 121, so that it is possible to avoid a situation where, for example, which event the payment is to be paid can be avoided, and it is unnecessary. It can reduce the psychological burden.

Hereinafter, an example of the process in the first embodiment will be described. The processing of each of the following embodiments can be executed in combination with the processing of other embodiments.

<<First Example>>
The first example is an example in which the splitting target users are specified using an image in which all the splitting target users are shown. According to the first embodiment, the user A of the terminal 120A can make the server 110 grasp the user to be split by simply selecting the picture showing all the users to be split and transmitting it to the server 110. Can be specified more easily.

<<Processing of First Example>>
FIG. 5 is a diagram illustrating an example of the method of identifying the splitting target user according to the first example of the first embodiment. In the first embodiment, as shown in FIG. 5, the terminal 120A transmits an image 121A showing all the users A, B, and C who are the splitting bills to the server 110 as the split billing designation image 121. The server 110 performs face authentication on the received image 121A and identifies the users A, B, and C from the facial feature amount of the person shown in the image 121A.

<<Second Example>>
In the second embodiment, the splitting target user is specified using an image showing the other splitting target users B and C excluding the user A of the terminal 120A and the identification information (first identification information) of the user A. It is an example. Many of the pictures stored in the terminal 120A are taken by the user A himself of the terminal 120A, and when the user A takes a picture, it is often the case that the user A does not appear in the image. Since it is possible to specify the user for splitting bill by using the photograph in which A is not shown, the options for the splitting bill designation image 121 are expanded, and the designation for splitting subject can be further simplified.

<<Processing of Second Embodiment>>
FIG. 6 is a diagram illustrating an example of the method of identifying the split user in the second example of the first embodiment. In the second embodiment, as illustrated in FIG. 6, the terminal 120A uses the image 110B in which other users B and C other than the user A of the terminal 120A are included in the split 110 as the split designation image 121. Send to. At this time, the identification information ID (A) of the user A of the terminal 120A is also transmitted to the server 110. The server 110 performs face authentication on the received image 121B, identifies the users B and C from the facial feature amount of the person shown in the image 121B, and identifies the user A based on the received identification information ID(A). Identify.

<<Third Example>>
The third embodiment is an example in which the splitting target user is specified using an image showing a part of the splitting target user and the identification information of the remaining users not shown in this image. For example, when trying to split a bill at a drinking party or the like, there are cases where it is not possible to take a picture of all members because some members are sitting in the middle, but according to the third embodiment some target users Since it is possible to specify the user who is the object of splitting bill by using the photograph which is not reflected, the options of the split bill specifying image 121 are expanded. In addition, since users who are not shown in the photograph can be included in the splitting target person, the splitting target person can be designated more easily.

<<Processing of Third Embodiment>>
FIG. 7 is a diagram illustrating an example of the method of identifying the split user in the third example of the first embodiment. In the third embodiment, as shown in FIG. 7, the terminal 120A splits the image 121C in which the user A (first user) of the terminal 120A and another user B (second user) of the split target are shown. The designated image 121 is transmitted to the server 110. Further, at this time, the identification information ID(C) (third identification information) of the other target user C (third user) not shown in the image 121C is also transmitted to the server 110. Note that the attachment process of the identification information ID (C) of the user C is, for example, in response to the reception unit 321 of the terminal 120A receiving the selection operation by the user A, and the control unit 323 selects the identification information ID (C). Is attached to the image 121C. The server 110 performs face authentication of the received image 121C, identifies the users A and B from the facial feature amount of the person shown in the image 121C, and identifies the user C based on the received identification information ID(C). Identify.

<<Fourth Embodiment>>
The fourth example is an example in which the splitting target user is specified using a plurality of images. According to the fourth embodiment, even if there is no photo showing all of the splitting cost persons at the same time, it is possible to specify the splitting cost user. Therefore, the options for splitting cost designation image 121 are expanded, and the splitting cost target person can be further specified. Easy to do. Further, even when there is no photograph showing all of the splitting cost persons at the same time, the splitting cost user can be specified using only the image information, and thus the work load of the designation operation of the splitting cost person can be reduced.

<<Processing of Fourth Embodiment>>
FIG. 8 is a diagram showing an example of the method of identifying the splitting user in the fourth example of the first embodiment. In the fourth embodiment, as shown in FIG. 8, the terminal 120A includes, for example, an image 121C in which the user A of the terminal 120A and another user B of the split target are shown, and the user C is not shown, and the split target. An image 121B in which the other users B and C are shown and the user A of the terminal 120A is not shown is transmitted to the server 110 as the split bill designation image 121. The server 110 performs face authentication of the received image 121C, identifies the users A and B from the facial feature amount of the person shown in the image 121C, and performs face authentication of the received image 121B to obtain the image 121B. The users B and C are specified from the facial feature amount of the person shown in FIG. Then, the users A, B, and C appearing in at least one of the received images 121B and 121C are specified as the splitting target users.

<<Fifth Embodiment>>
The fifth example is an example in which the split bill process proceeds when the position information of the place where the payment is made and the position information included in the split bill designation image 121 are included in a specific range. According to the fifth embodiment, even if the user A erroneously sends the image 121, the fact can be notified to the user A, and thus the risk that the user A erroneously specifies the user to be split. Can be reduced.

<<Processing of Fifth Embodiment>>
The server 110 stores the payment ID and the position information in association with each other. More specifically, in step S1 of FIG. 4, the server 110 may store the payment ID and the position information in association with each other after receiving the position information together with the payment request from the terminal 120A. In addition, position information that can be obtained from the payment information (for example, position information associated with the store that receives the payment) is stored in association with the payment ID.

In step S4 of FIG. 4, the server 110 receives the splitting bill designation image 121 from the terminal 120A, and associates the position information (eg, a part of EXIF information) associated with the image 121 with the payment ID. If the position information is included in the predetermined range, the processing from step S5 is performed. If the position information associated with the image 121 (for example, a part of EXIF information) and the position information associated with the payment ID are not included in the predetermined range, the process from step S5 is performed. Alternatively, the fact may be notified to the terminal 120A.

<<6th Example>>
The sixth example is an example in which the split bill process is performed when the date and time when the settlement was made and the date and time information included in the split bill designation image 121 are included in a specific range. According to the sixth embodiment, even if the user A mistakenly sends the image 121, the fact can be notified to the user A. Therefore, the risk that the user A mistakenly specifies the user to be split. Can be reduced.

<<Processing of Sixth Embodiment>>
The server 110 stores the payment ID and the payment date/time in association with each other. More specifically, in step S2 of FIG. 4, the server 110 stores the payment ID and the payment date information in association with each other.

In step S4 of FIG. 4, the server 110 receives the splitting bill designation image 121 from the terminal 120, and associates the date and time information (for example, a part of EXIF information) associated with the image 121 with the payment ID. If the payment date/time information is included in the predetermined range, the processing from step S5 is performed. When the date/time information (for example, a part of EXIF information) associated with the image 121 and the payment date/time information associated with the payment ID are not included in the predetermined range, the processing in step S5 and subsequent steps is performed. You may notify that to the terminal 120A, without performing.

<Second Embodiment>
A second embodiment of the present disclosure is an embodiment in which, when the balance of a user who is charged for remittance payment such as split payment is less than the billed amount, the post-payment service compensates for the difference between the billed amount and the balance and makes a settlement. Is.

According to the second embodiment, even when the balance is insufficient, the payment can be completed immediately by using the post-payment service, so that there is an effect that payment of remittance between individuals such as split payment can be made more smoothly.

The functional configurations of the server 110 and the terminal 120 of the second embodiment are the same as the configurations of the first embodiment described with reference to FIG. 3, so description thereof will be omitted.

<Process of Second Embodiment>
Processing of the communication system 1 according to the second embodiment will be described with reference to FIG. 9. FIG. 9 is a diagram showing an example of a processing sequence of the communication system 1 according to the second embodiment. Note that the processing of steps S1 to S7 and steps S9 to S12 in the sequence diagram of FIG. 9 is the same as the processing of the first embodiment described with reference to FIG. Only the part A of the additional processing surrounded by the dotted line will be described. In the second embodiment, the split request in step S4 of FIG. 9 is “a predetermined billing amount (split amount) from the terminal 120A (first information processing terminal) used by the user A (first user) to the user A”. Remittance request for requesting remittance of ".

When the control unit 313 of the server 110 transmits the split payment notification (remittance request) to the terminals 120B and 120C (second information processing terminal) in step S7, subsequently, in step S21, each user calculated in step S6. It is determined whether or not the split bill amount (billing amount) of B and C is higher than the balance of the account of each user B and C (second user). If the split payment amount is higher than the balance (Yes in step S21), the user cannot currently pay the split payment amount. Therefore, in step S22, the control unit 313 of the server 110 transmits the split payment amount to the terminal via the transmission/reception unit 312. A message for suggesting a post-payment service is transmitted to users B and C of 120B and 120C.

Here, the "post-payment service" defines the amount, interest rate, period, type of collateral, etc., and in many cases lends money by taking promissory notes and debt instruments, determines damages, usage fees, period, etc. Or lending a right. Particularly, in the present embodiment, between the users B and C of the terminals 120B and 120C and the installment payment service provider of the server 110, the upper limit amount of money that can be used within a predetermined period and the payment deadline of the usage amount of money are set and the server 110 is set. Refers to a service of lending money from the terminal to the terminals 120B and 120C and depositing the money into the account. The money may be loaned periodically.

In step S23, the control unit 323 of the terminals 120B and 120C displays the postpaid service proposal screen on the display screen of the terminals 120B and 120C based on the postpaid setting proposal message received from the server 110. When the user of the terminals 120B and 120C performs an operation to set the postpaid service, the control unit 323 of the terminals 120B and 120C sends the postpaid service to the server 110 via the transmission/reception unit 322 according to the operation in step S24. Send an approval response.

FIG. 10 is a diagram showing an example of the post-payment service proposal screen 123. As shown in FIG. 10, the split payment service screen 122 is first displayed on the display screens of the terminals 120B and 120C. On the split payment service screen 122, a message 122A to the effect that the user of the terminal (user B in the example of FIG. 10) pays the split amount and the account balance of the user (1000 yen in the example of FIG. 10) 122B are displayed. Has been done. In step S22, the post-payment service proposal screen 123 is displayed as a pop-up on the split payment service screen 122, for example. On the post-payment service proposal screen 123, for example, a message 123A for proposing a post-payment service, a "Yes" button 123B, and a "No" button 123C are displayed. When the user presses the "Yes" button 123B in step S23, an approval response for the postpaid service is transmitted to the server 110 in step S24.

In step S25, the control unit 313 of the server 110 applies the postpaid service to the accounts of the users B and C of these terminals 120B and 120C in response to receiving the approval response of the postpaid service from the terminals 120B and 120C, Update your balance. In step S26, the updated account information is transmitted to the terminals 120B and 120C.

When the information indicating that the postpaid service is applied is displayed on the display screens of the terminals 120B and 120C, the users B and C input the settlement operation of the split payment amount using the postpaid service in step S9.

In step S11, the control unit 313 of the server 110 compensates for the difference between the installment payment amount (billing amount) and the balance by the post-payment service from each of the accounts of the users B and C who received the payment request in step S10, and makes a payment. In step S12, the balance of the account of user A is added.

FIG. 11 is a diagram showing an example of a screen after applying the postpaid service. When the updated account information is transmitted to the terminals 120B and 120C in step S26, for example, as shown in FIG. 11, the split payment service screen 122 includes a message 122F indicating that the postpaid service is available. The postpaid available amount (5000 yen in the example of FIG. 11) 122C and the postpaid payment amount (0 yen in the example of FIG. 11) 122D are additionally displayed. Further, the split payment payment execution button 122E is displayed. Here, as the postpaid available amount 122C, for example, a different amount can be set for each user based on user information such as the user's attribute and credit. In the example of FIG. 11, since the total amount of the balance 1000 yen and the postpaid available amount 5000 yen exceeds the allowance amount of 2000 yen, the user B can pay the allowance amount. When the user presses the execute button 122E in step S9, a settlement request for the split payment amount is transmitted to the server 110 in step S10.

FIG. 12 is a diagram showing an example of a screen after the settlement processing of the split bill amount is completed. When the server 110 subtracts the split bill amount from the balance of the user B in step S11, for example, as shown in FIG. 12, the split bill payment service screen 122 displays a message 122G indicating that payment of the split bill amount is completed. Of the installment allowance of 2000 yen, all 1000 yen of the balance 122B is first subtracted to 0 yen, and the remaining 1000 yen, which is the difference between the installment allowance and the balance, is compensated and settled by the postpaid service. As a result, the postpaid usage amount is changed to 1000 yen, and the postpaid available amount is changed to 4000 yen. Further, the payment deadline 122H of the post-payment service may be displayed.

If it is determined in step S21 that the split bill amount is less than or equal to the balance (No in step S21), the split bill amount can be paid without using the postpaid service. Therefore, the processing in steps S22 to S26 is performed. Instead of performing it, the settlement process of the split amount is performed with the current balance.

In the sequence diagram of FIG. 9, the process of obtaining the approval of the users B and C regarding the application of the post-payment service in steps S22 to S24 is as follows: It is also possible to set a post-payment service without taking it. As a result, the frequency of approval to the user can be reduced, and the load on the system can be reduced. In addition, since the postpaid amount is small, even if the postpaid service is automatically set, it is unlikely that there will be any disadvantage to the user such as high interest, and the user will not have to make the payment. It can be reduced and the convenience of split payment can be improved.

Further, in the sequence diagram of FIG. 9, the post-payment service proposal process in step S22 is performed after the creditworthiness of the users B and C is less than a predetermined level or when the postpayment service has not been used in a service other than the split payment. The configuration may be such that the service is not proposed and the post-payment service is not set. As a result, the post-payment service provider can reduce the business risk that the loan amount cannot be collected from the users B and C.

Furthermore, in the second embodiment, when the postpaid service cannot be set for the accounts of the users B and C and the installment payment cannot be completed, the server 110 determines that the users B and C should deposit the billing amount into the account of the user A. A configuration may be provided to execute the process of prompting at the timing of. Here, the situation in which the postpaid service cannot be set in the accounts of the users B and C is, for example, when the upper limit of the postpaid service is exceeded due to compensation to the billing amount, or the use of the postpaid service is not approved by the user B or C. If, and so on.

As a result, even if the users B and C who are subject to the split bill cannot pay, the user A who requests the split bill payment can save the trouble of urging the users B and C to later urge the users B and C to pay the split bill. Can be reduced.

When the postpaid service cannot be set for the users B and C, the appraisal amount is paid by the user A when the user A approves (that is, the appraisal of the user who cannot set the postpaid service from the balance of the account of the user A). The amount may be subtracted). Further, when the post-payment service cannot be set for the user B, the user A may set the apportionment amount when the payment is approved by the users A and C. As a result, the business operator who provides the split payment service can reduce business risks such as the inability to collect the payment.

Here, as a method of collecting the billed amount from the users B and C, when the accounts of the users B and C are charged, the server 110 subtracts the billed amount into the balance of the accounts of the users B and C. It may be configured to perform the process of adding the billing amount to the balance of the account of the user A. This can reduce the risk that the user A cannot collect the split bill.

The sequence diagram of FIG. 9 is based on the split payment process for identifying the split target user based on the face image, that is, the first embodiment, but the features of the second embodiment (a postpay service is proposed when the balance is insufficient). Is applicable to other installment payment services as well as inter-individual remittance technology that also includes installment payments.

When the payment delay of the post-payment service does not occur, the processing for discounting the fee for the next use may be executed. This can facilitate the use of postpaid services. In addition, since delays in repayment can be suppressed, it is possible to reduce business risks such as the fact that the post-payment service provider cannot collect the loan amount from the user.

Regarding the above description, the following items will be further disclosed.
(Appendix 1)
The information processing device
A process of receiving at least a part of the payment information and a content including the face of the second user from the information processing terminal of the first user connected via the network;
A process of identifying the second user as a payment splitting target user associated with the payment information based on the received content;
An information processing method for executing a process of calculating an installment amount of money for the first user and the second user.
(Appendix 2)
The process of receiving is
Receiving the content including faces of the first user and the second user,
The specified process is
The information processing method according to appendix 1, wherein the first user is specified as a payment splitting target user associated with the payment information based on the received content.
(Appendix 3)
The process of receiving is
Receiving the content including the face of the second user and the first identification information of the first user,
The specified process is
3. The information processing method according to supplementary note 1 or 2, wherein the first user is specified as a user to be split for payment associated with the payment information based on the first identification information.
(Appendix 4)
The process of receiving is
Receiving the content and the third identification information of the third user not reflected in the content,
The specified process is
Based on the received third identification information, specify the third user to be split as the split user for payment associated with the payment information,
The calculation process is
4. The information processing method according to any one of appendices 1 to 3, which calculates an installment amount of money for the identified first user, second user, and third user.
(Appendix 5)
The process of receiving is
Receive multiple content,
The specified process is
The information according to any one of appendices 1 to 4, which identifies a user who is copied in a predetermined number or more among the plurality of received contents as a user who is a target of split payment associated with the payment information Processing method.
(Appendix 6)
A process of settling the price from the account balance of the first user,
When the settlement of the split allowance allocated to the second user is approved by the second user, the split allowance is subtracted from the account balance of the second user, and the subtracted split allowance is subtracted from the first user. 6. The information processing method according to any one of appendices 1 to 5, further comprising:
(Appendix 7)
The process of receiving is
Receiving the content including the face of the second user and information about the payment made by the first user,
The calculation process is
7. The information processing method according to any one of appendices 1 to 6, wherein the split payment amount of the second user is calculated based on the payment information.
(Appendix 8)
8. The information processing method according to any one of appendices 1 to 7, which further executes a process of transmitting the content and the settlement request to an information processing terminal that requests the settlement of the calculated split bill.
(Appendix 9)
9. The position information associated with the content and the location information associated with the payment information are not included in a predetermined range, the specifying process is not performed, any one of appendices 1 to 8. Information processing method described in.
(Appendix 10)
10. The date and time information associated with the content and the date and time information associated with the payment information are not included in a predetermined range, the specifying process is not performed, any one of appendices 1 to 9. Information processing method described in.
(Appendix 11)
At least a part of the payment information and the content including the face of the second user are received from the information processing terminal of the first user connected through the network,
Based on the received content, the second user is specified as a payment sharing user associated with the payment information,
An information processing apparatus having a control unit that calculates an installment amount of money for the first user and the second user.
(Appendix 12)
In the information processing device,
A process of receiving at least a part of the payment information and a content including the face of the second user from the information processing terminal of the first user connected via the network;
A process of identifying the second user as a payment splitting target user associated with the payment information based on the received content;
A process of calculating a split payment amount between the first user and the second user;
An information processing program that executes.
(Appendix 13)
The information processing device
A process of receiving a remittance request for requesting a remittance of a predetermined charge amount from the first information processing terminal used by the first user,
A process of transmitting the remittance request to a second information processing terminal used by a second user,
When the balance of the account of the second user is less than the billed amount, a process of compensating for the second user's account by at least partially compensating for a difference between the billed amount and the balance by a post-payment service. When,
An information processing method for executing the process of adding the billing amount to the account of the first user.
(Appendix 14)
The payment process is
14. The information processing method according to appendix 13, wherein when the use of the post-payment service is approved by the second user, the post-payment service compensates for payment.
(Appendix 15)
When the post-payment service cannot be set in the account of the second user, the second user is urged to deposit the billed amount into the account of the first user without executing the adding process at a predetermined timing. 15. The information processing method according to appendix 13 or 14, which executes the processing to be performed.
(Appendix 16)
A process of adding an amount obtained by subtracting the billing amount to the balance of the second user's account and adding the billing amount to the balance of the first user's account when the second user's account is credited 15. The information processing method according to appendix 15, which executes.
(Appendix 17)
The information processing method according to any one of appendices 13 to 16, wherein when the billed amount is lower than a predetermined amount, the post-payment service is set without the approval of the second user.
(Appendix 18)
The information processing method according to any one of appendices 13 to 17, wherein the post-payment service is not set when the creditworthiness of the second user is equal to or lower than a predetermined value or when the post-payment service has not been used.
(Appendix 19)
19. The information processing method according to any one of appendices 13 to 18, wherein when the payment delay of the post-payment service does not occur, a process of discounting the fee for the next use is executed.
(Appendix 20)
20. The information processing method according to any one of appendices 13 to 19, wherein the billing amount is a payment of a split payment amount for one settlement.
(Appendix 21)
21. When the second user cannot set the postpaid service, when the first user approves, the process of further subtracting the billing amount from the balance of the account of the first user is further executed. Information processing method.
(Appendix 22)
When the post-payment service cannot be set for the third user who has sent the remittance request, when the second user approves, the process of subtracting the billing amount from the balance of the account of the second user is further executed. The information processing method according to attachment 20.
(Appendix 23)
From the first information processing terminal used by the first user, a remittance request for requesting a remittance of a predetermined charge amount to the first user is received,
The remittance request is transmitted to the second information processing terminal used by the second user,
When the balance of the account of the second user is smaller than the billed amount, at least a part of the difference between the billed amount and the balance is compensated and settled by a postpaid service for the account of the second user,
An information processing apparatus having a control unit that adds the billing amount to the account of the first user.
(Appendix 24)
In the information processing device,
A process of receiving a remittance request for requesting a remittance of a predetermined charge amount from the first information processing terminal used by the first user,
A process of transmitting the remittance request to a second information processing terminal used by a second user,
When the balance of the account of the second user is less than the billed amount, a process of compensating for the second user's account by at least partially compensating for a difference between the billed amount and the balance by a post-payment service. When,
A process of adding the billing amount to the account of the first user,
An information processing program that executes.

1 communication system 110 server (information processing device)
311 reception unit 312 transmission/reception unit 313 control unit 314 storage unit 120 terminal (information processing terminal)
321 reception unit 322 transmission/reception unit 323 control unit 324 storage unit 121, 121A, 121B, 121C splitting bill designation image

Claims (12)

The information processing device
A process of receiving a remittance request for requesting a remittance of a predetermined charge amount from the first information processing terminal used by the first user,
A process of transmitting the remittance request to a second information processing terminal used by a second user,
When the balance of the account of the second user is less than the billed amount, a process of compensating for the second user's account by at least partially compensating for a difference between the billed amount and the balance by a post-payment service. When,
An information processing method for executing the process of adding the billing amount to the account of the first user. The payment process is
The information processing method according to claim 1, wherein when the use of the post-payment service is approved by the second user, the post-payment service compensates for payment. If the post-payment service cannot be set in the account of the second user, the second user is urged to deposit the billed amount into the account of the first user without executing the adding process at a predetermined timing. The information processing method according to claim 1, further comprising: A process of adding an amount obtained by subtracting the billing amount to the balance of the second user's account and adding the billing amount to the balance of the first user's account when the second user's account is credited The information processing method according to claim 3, wherein the method is executed. The information processing method according to any one of claims 1 to 4, wherein when the billing amount is lower than a predetermined amount, the postpaid service is set without obtaining approval from the second user. The information processing method according to claim 1, wherein the post-pay service is not set when the creditworthiness of the second user is equal to or lower than a predetermined value or when the post-pay service has not been used. The information processing method according to any one of claims 1 to 6, wherein when the payment delay of the postpaid service does not occur, a process of discounting the fee for the next use is executed. The information processing method according to any one of claims 1 to 7, wherein the billing amount is a payment of an installment amount for one settlement. The process of further subtracting the billing amount from the balance of the account of the first user when the second user cannot set the postpaid service and is approved by the first user, further comprising: Information processing method described. When the post-payment service cannot be set for the third user who has sent the remittance request, when the second user approves, the process of subtracting the billing amount from the balance of the account of the second user is further executed. The information processing method according to claim 8. From the first information processing terminal used by the first user, a remittance request for requesting a remittance of a predetermined charge amount to the first user is received,
The remittance request is transmitted to the second information processing terminal used by the second user,
When the balance of the account of the second user is smaller than the billed amount, at least a part of the difference between the billed amount and the balance is compensated and settled by a postpaid service for the account of the second user,
An information processing apparatus having a control unit that adds the billing amount to the account of the first user. In the information processing device,
A process of receiving a remittance request for requesting a remittance of a predetermined charge amount from the first information processing terminal used by the first user,
A process of transmitting the remittance request to a second information processing terminal used by a second user,
When the balance of the account of the second user is less than the billed amount, a process of compensating for the second user's account by at least partially compensating for a difference between the billed amount and the balance by a post-payment service. When,
A process of adding the billing amount to the account of the first user,
An information processing program that executes.

Images