JP2020135072A - Information processing method, program, and terminal - Google Patents

Abstract

To solve the problem that a case for jointly performing investment is not sufficiently examined.SOLUTION: An information processing method by a first terminal for executing payment based on electronic money includes: causing a communication part of the first terminal to transmit information of first electronic money to a server for managing payment by the electronic money; causing the first terminal to execute processing about the payment on the basis of third electronic money based on information of second electronic money usable by at least a user of the first terminal or the first terminal and a user of a second terminal or the second terminal and transmitted by the second terminal and information of the first electronic money; and causing a communication part to receive information on fourth electronic money obtained by dividing a balance of the third electronic money subjected to payment processing into at least information of the fourth electronic money and information of fifth electronic money and transmitted from the server.SELECTED DRAWING: Figure 1

Description

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

In recent years, communication using network services such as messaging service (IMS) (Instant Messaging Service) and social networking service (SNS) (Social Networking Service) has been increasing. Then, for example, when a group travels or camps, there are cases where members of the group jointly invest and shop on a network service. For example, Patent Document 1 discloses a technique for purchasing a product by performing electronic payment. However, the case of joint investment has not been fully considered.

Japanese Unexamined Patent Publication No. 2002-176671

According to the first aspect of the present invention, the information processing method by the first terminal that executes the payment based on electronic money sends the information of the first electronic money to the server that manages the payment by electronic money by the communication unit of the first terminal. Information on the second electronic money transmitted by the second terminal and the first electronic money that can be transmitted and at least available to the user or the first terminal of the first terminal and the user or the second terminal of the second terminal. The processing related to the settlement is executed by the first terminal based on the third electronic money based on the information of, and the balance of the third electronic money processed by the settlement is at least the information of the fourth electronic money and the information of the fifth electronic money. It includes receiving information about the fourth electronic money transmitted from the server by the communication unit.
According to the second aspect of the present invention, the program for causing the computer of the first terminal that executes the payment based on electronic money to execute the first electronic money is transmitted to the server that manages the payment by electronic money by the communication unit of the first terminal. The transmission of electronic money information and the information of the second electronic money transmitted by the second terminal, which can be at least used by the user or the first terminal of the first terminal and the user or the second terminal of the second terminal. Based on the information of the first electronic money, the processing related to the settlement is executed by the first terminal based on the third electronic money, and the balance of the third electronic money processed by the settlement is at least the information of the fourth electronic money and the fifth. It is divided into electronic money information, and includes receiving information about the fourth electronic money transmitted from the server by the communication unit.
According to the third aspect of the present invention, the terminal that executes the payment based on electronic money includes a communication unit that transmits information of the first electronic money to a server that manages the payment by electronic money, a user of the terminal, or a terminal. Processing related to payment based on the third electronic money based on the information of the second electronic money transmitted by the second terminal and the information of the first electronic money, which can be at least used by the user of the second terminal or the second terminal. The communication unit is provided with a control unit executed by the terminal, and the balance of the third electronic money processed by the settlement is divided into at least the information of the fourth electronic money and the information of the fifth electronic money and transmitted from the server. Receives information about the fourth electronic money.

The figure which shows an example of the structure of the communication system in one aspect of Embodiment. The figure which shows an example of the flow of information processing executed by the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the display screen displayed on the display part of the terminal which concerns on embodiment. The figure which shows an example of the function realized by the control part of the server which concerns on embodiment. The figure which shows an example of the information stored in the storage part of the server which concerns on embodiment. The figure which shows an example of the data structure of the user registration data which concerns on embodiment. The figure which shows an example of the data structure of the user management database which concerns on embodiment. The figure which shows an example of the data structure of the IMS wallet management data which concerns on embodiment. The figure which shows an example of the data structure of the group management database which concerns on embodiment. The figure which shows an example of the data structure of the common wallet management data which concerns on embodiment. The figure which shows an example of the function realized by the control part of the terminal which concerns on embodiment. The figure which shows an example of the information stored in the storage part of the terminal which concerns on embodiment. The flowchart which shows an example of the flow of the process executed by each apparatus which concerns on embodiment. The flowchart which shows an example of the flow of the process executed by each apparatus which concerns on embodiment.

<Compliance with legal matters>
It should be noted that the disclosures described herein are premised on compliance with the legal matters of the implementing country necessary for the implementation of this disclosure, such as secrecy of communications.

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

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

The server 10 provides a service for transmitting and receiving content including a message and the like between the terminals 20 to the terminal 20 owned by the user via the network 30. Further, the server 10 communicates with the terminal 20 and performs a process for realizing the payment based on electronic money on the terminal 20. The number of terminals 20 connected to the network 30 is not limited.

The network 30 plays a role of connecting one or more terminals 20, one or more servers 10, and one or more commercial transaction systems 40. That is, the network 30 means a communication network that provides a connection route so that data can be transmitted and received after the above-mentioned various devices are connected.

One or more parts of the network 30 may or may not be a wired or wireless network. The network 30 is not limited, but by example, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), and a wireless. LAN (wireless LAN: WLAN), wide area network (WAN), wireless WAN (wireless WAN: WWAN), metropolitan area network (MAN), part of the Internet, public exchange telephone network (Public) Switched Telephone Network: Part of PSTN, mobile phone network, ISDN (integrated service digital networks), wireless LAN, LTE (long term evolution), CDMA (code division multiple access), Bluetooth (Bluetooth (registered trademark)), satellite It can include communications, etc., or a combination of two or more of these. The network 30 may include one or more networks 30.

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) (Not limited to an example of a terminal and an information processing device) is any information processing terminal capable of realizing the functions described in each embodiment. It may be a terminal. The terminal 20 is not limited to, for example, a smartphone, a mobile phone (feature phone), a computer (not limited to, for example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited to, for example, a cable, a satellite set). Topboxes, digital video recorders), handheld computer devices (not limited to personal digital assistants, email clients, etc.), wearable devices (glasses devices, clock devices, etc.), or other types of computers , Or includes a communication platform. Further, the terminal 20 may be expressed as an information processing terminal.

Since the configurations of the terminal 20A, the terminal 20B, and the terminal 20C are basically the same, the terminal 20 will be described in the following description. Further, if necessary, the terminal used by the user X is expressed as the terminal 20X, and the user information in the predetermined service associated with the user X or the terminal 20X is expressed as the user information X. The user information is user information associated with an account used by the user in a predetermined service. The user information is not limited but, as an example, input by the user or given by a predetermined service, 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. It includes information associated with the user, such as a hobby, a user's identifier, and may or may not be any one or combination of these.

The server 10 (not limited to an example of a server, an information processing device, and an information management device) has a function of providing a predetermined service to the terminal 20. The server 10 may be any device as long as it is an information processing device that can realize the functions described in each embodiment. The server 10 is not limited, but by example, a server device, a computer (not limited, by example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited, by example, a cable, a satellite set top box, a digital video recorder). ), Handheld computer devices (for example, but not limited to PDAs, email clients, etc.), or other types of computers, or communication platforms. Further, the server 10 may be expressed as an information processing device. When it is not necessary to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be expressed as information processing devices, respectively.

In the present embodiment, the server 10 has a function of providing a messaging service (IMS (Instant Messaging Service)) by an IMS application described later, and a function of providing an electronic money management service by an IMS wallet application described later. Explain that it is.

It should be noted that the server having the function of providing the IMS and the server having the function of providing the electronic money management service may be separated into two servers, the IMS server and the management server. , You don't have to.

The commercial transaction system 40 is not limited to, for example, a system or a terminal for purchasing products or the like by electronic commerce by the terminal 20 operated by a business operator affiliated with an IMS business operator (business of server 10). It is a commercial transaction system including a POS (Point Of Sale) system introduced in a physical store where 20 users purchase products and the like.

The server 10 is not limited, but as an example, information on payments transmitted from the terminal 20 and information on payments transmitted from the commercial transaction system 40 when the user of the terminal 20 purchases a product in the above-mentioned electronic commerce or a physical store. Settlement processing is performed based on.

For example, when a user of the terminal 20 purchases a product at a physical store, as one method, the server 10 uses a two-dimensional code (for example, a QR code (registration)) based on the two-dimensional code generation request information transmitted from the terminal 20. (Trademark)) is generated and transmitted to the terminal 20. Then, the user of the terminal 20 displays the two-dimensional code received from the server 10 by the terminal 20 on the display unit 24, and causes the code reader device of the commercial transaction system 40 of the store to read the two-dimensional code. Then, information about payment is transmitted from the code reader device of the store to the server 10, and the server 10 performs payment processing based on the information about payment received from the code reader device.

As another method, the user of the terminal 20 applies a two-dimensional code (for example, a QR code) posted at the storefront or around the cash register at the time of purchasing the product to the IMS wallet application of the terminal 20 (details will be described later). Read with a code reader. Then, the information regarding the payment acquired by decoding the data from the read two-dimensional code is transmitted from the own terminal 20 to the server 10. Then, the server 10 performs the payment process based on the information related to the payment transmitted from the terminal 20.

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

(1) HW configuration of the terminal FIG. 1 shows an example of the HW configuration of the terminal 20.
The terminal 20 includes a control unit 21 (CPU: central processing unit), a storage unit 28, a communication I / F 22 (interface), an input / output unit 23, a display unit 24, a microphone 25, a speaker 26, and a camera 27. A clock unit 29 is provided. Each component of the HW of the terminal 20 is connected to each other via bus B, for example, without limitation. It is not essential that the HW configuration of the terminal 20 includes all the components. By way of example, the terminal 20 may or may not be configured to remove individual components, such as the microphone 25, camera 27, or a plurality of components.

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

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

The input unit is realized by any one or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the control unit 21. The input unit includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via a moving image), and a microphone (operation input by sound).

The output unit is realized by any or a combination of all kinds of devices capable of outputting the processing result processed by the control unit 21. The output unit includes, for example, a touch panel, a touch display, a speaker (sound output), a lens (3D (three dimensions) output, a hologram output, for example, not limited), a printer, and the like.

The display unit 24 is realized by any or a combination of all kinds of devices capable of displaying according to the display data written in the frame buffer. The display unit 24 includes a touch panel, a touch display, a monitor (not limited to an example, a liquid crystal display or an OELD (organic electroluminescence display)), a head mounted display (HDM), a projection mapping, and a hologram. , Includes a device capable of displaying images, text information, etc. in the air (which may or may not be vacuum). It should be noted that these display units 24 may or may not be able to display display data in 3D.

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

The clock unit 29 is a built-in clock of the terminal 20 and outputs time information (timekeeping information). The clock unit 29 is configured to include, for example, a clock using a crystal oscillator, a clock using the NITZ (Network Identity and Time Zone) standard, and the like. The clock unit 29 can be expressed as a time measuring unit or a time information detecting unit as an example without limitation.

The control unit 21 has a physically structured circuit for executing a function realized by a code or an instruction contained in the program, and is not limited to, but as an example, a data processing device built in hardware. Is realized by. Therefore, the control unit 21 may or may not be expressed as a control circuit.

The control unit 21 is not limited, but as an example, a central processing unit (CPU), a microprocessor (microprocessor), a processor core (processor core), a multiprocessor (multiprocessor), an ASIC (application-specific integrated circuit), and an FPGA (field programmable). gate array) is included.

The storage unit 28 has a function of storing various programs and various data required for the terminal 20 to operate. The storage unit 28 includes various storage media such as HDD (hard disk drive), SSD (solid state drive), flash memory, RAM (random access memory), and ROM (read only memory) as examples without limitation. Further, the storage unit 28 may or may not be expressed as a memory.

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

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

(2) HW configuration of the server FIG. 1 shows an example of the HW configuration of the server 10.
The server 10 includes a control unit 11 (CPU), a storage unit 15, a communication I / F 14 (interface), an input / output unit 12, a display 13, and a clock unit 19. Each component of the HW of the server 10 is connected to each other via bus B, for example, without limitation. It is not essential that the HW of the server 10 includes all the components as the configuration of the HW of the server 10. As an example, but not limited to, the HW of the server 10 may or may not be configured to remove the display 13.

The control unit 11 has a physically structured circuit for executing a function realized by a code or an instruction contained in the program, and is not limited to, but as an example, a data processing device built in hardware. Is realized by.

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

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

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

The input / output unit 12 is realized by a device that inputs various operations to the server 10. The input / output unit 12 is realized by any or a combination of all kinds of devices capable of receiving an input from a user and transmitting information related to the input to the control unit 11. The input / output unit 12 is typically realized by a hardware key typified by a keyboard or the like, or a pointing device such as a mouse. The input / output unit 12 is not limited to the input / output unit 12, and may or may not include a touch panel, a camera (operation input via a moving image), and a microphone (operation input by sound). However, in the present disclosure, the input / output unit 12 is not limited to these.

The display 13 is typically realized by a monitor (not limited to, for example, a liquid crystal display or an OLED (organic electroluminescence display)). The display 13 may or may not be a head-mounted display (HDMI) or the like. It should be noted that these displays 13 may or may not be capable of displaying display data in 3D. In the present disclosure, the display 13 is not limited to these.

The clock unit 19 is a built-in clock of the server 10 and outputs time information (timekeeping information). The clock unit 19 is configured to include, for example, an RTC (Real Time Clock) as a hardware clock, a system clock, or the like, without limitation. The clock unit 19 can be expressed as a time measuring unit or a time information detecting unit as an example without limitation.

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

In each embodiment of the present disclosure, it will be described as being realized by the CPU of the terminal 20 and / or the server 10 executing the program P.
The same applies to other devices.

The control unit 21 of the terminal 20 and / or the control unit 11 of the server 10 is formed not only in a CPU having a control circuit but also in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) and the like. Each process may or may not be realized by a logic circuit (hardware) or 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 or may not be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.
The same applies to other devices.

Further, the program P (not limited to, for example, a software program, a computer program, or a program module) of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. It does not have to be done. The storage medium can store the program P in a "non-temporary tangible medium". In addition, the program P may or may not be for realizing a part of the functions of each embodiment of the present disclosure. Further, it may or may not be a so-called difference file (difference program) that can realize the functions of each embodiment of the present disclosure in combination with the program P already recorded on the storage medium.

The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (for example, but not limited to field programmable gate arrays (FPGAs) or application-specific ICs (ASICs)), hardware. Disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic tape, solid It can include a drive (SSD), a RAM drive, a secure digital card, or a drive, any other suitable storage medium, or any suitable combination of two or more of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate. The storage medium is not limited to these examples, and any device or medium may be used as long as the program P can be stored. Further, the storage medium may or may not be expressed as a memory.

The server 10 and / or the terminal 20 can read the program P stored in the storage medium and execute the read program P to realize the functions of the plurality of functional units shown in each embodiment.
The same applies to other devices.

Further, the program P of the present disclosure may or may not be provided to the server 10 and / or the terminal 20 via an arbitrary transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. .. The server 10 and / or the terminal 20 realizes the functions of the plurality of functional units shown in each embodiment by executing the program P downloaded via the Internet or the like, as an example without limitation.
The same applies to other devices.

In addition, each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which the program P is embodied by electronic transmission.
At least part of the processing on the server 10 and / or the terminal 20 may or may not be realized by cloud computing composed of one or more computers.
At least a part of the processing in the terminal 20 may or may not be performed by the server 10. In this case, at least a part of the processing of each functional unit of the control unit 21 of the terminal 20 may or may not be performed by the server 10.
At least a part of the processing in the server 10 may or may not be performed by the terminal 20. In this case, at least a part of the processing of each functional unit of the control unit 11 of the server 10 may or may not be performed by the terminal 20.
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. It may or may not be.

The program of this disclosure is not limited to, but examples include scripting languages such as ActionScript and JavaScript (registered trademark), object-oriented programming languages such as Objective-C and Java (registered trademark), and markup languages such as HTML5. Implemented using.

The information processing method according to the present embodiment is not limited to, but as an example, provides a service for transmitting and receiving content between terminals 20 of a group including a plurality of users. The number of users included in one group is any number of 2 or more. For example, one group may be composed of user A and user B, and the number of users included in this group is two. Further, the other group may be composed of user A, user B, and user C, and the number of users included in this group is 3.

Further, in the following description, the service provided by the information processing method according to the embodiment is referred to as a messaging service as appropriate. The terminal 20 displays an image of a graphical user interface (GUI) provided by a messaging service as an example, but not a limitation. In the following description, a GUI that allows users included in a group to view contents transmitted and received between terminals of a group including a plurality of users is referred to as a "talk room".

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

Also, the above content includes, but is not limited to, at least one of text, images, and sounds as an example. The text contained in the content includes, but is not limited to,, for example, at least one of national characters represented by character codes, extended characters, machine-dependent characters, numbers, symbols, figures, and symbols. The text included in the content does not have to include at least one of the above characters, extended characters, machine-dependent characters, numbers, symbols, figures, and symbols, and may include other texts.

The images included in the content are not limited, but as an example, an image captured by a camera, a processed image obtained by processing the captured image, and a computer graphics image generated by a computer (as an example, not limited). , Icon, pictogram, face character), and at least one of the text images that image the text. The image included in the content may include a composite image obtained by synthesizing two or more of the above captured image, processed image, computer graphics image, and various images of the text image. The image included in the content may not include at least one of the captured image, the processed image, the computer graphics image, the text image, and the composite image, and may include other images. The image included in the content may be a still image, a moving image, or an image in another form. The content including the image may be represented by an icon such as a thumbnail in the image of the talk room as an example without limitation. As an example, the terminal 20 may display the image included in the content based on the input to the icon representing the image included in the content.

The sounds included in the content are not limited, but include, as an example, various sounds including sounds emitted by humans. For example, the voice is a recorded voice recorded by a microphone, a processed voice obtained by processing the recorded voice, a synthetic voice generated by a computer, and a reading converted from text by using a reading function of the computer. Includes at least one of the audio. The voice may include a combination voice in which two or more of the various voices of the recorded voice, the processed voice, the synthetic voice, and the read-aloud voice are combined. Further, the voice may not include at least one of the recorded voice, processed voice, synthetic voice, read-aloud voice, and combined voice, and may include other voices. The sound may also include at least one of sounds or voices made by non-human organisms, sounds made by objects such as musical instruments or machines, sound effects, environmental sounds, noise sounds, and alarms, or these sounds or It does not have to contain at least one of the voices and may contain these sounds or sounds different from the voices. The content including sound may be represented by an icon or the like in the image of the talk room as an example without limitation. As an example, the terminal 20 may reproduce the sound included in the content based on the input to the icon representing the sound included in the content.

The content is not limited, but may be, for example, a combination of two or more texts, images, and sounds. The content is not limited, but as an example, it may be content in which a video and sound are played in parallel, or content in which an image and text are displayed in combination, and the text is displayed according to the playback of sound. Content may be used. Further, the content may be content in which sound is reproduced in parallel with the display of text and images. The content may be, for example, a combination of at least one of text, image, and sound and content different from any of text, image, and sound.

<Example>
Hereinafter, an example as one aspect of the present embodiment will be described.

In recent years, network services such as the above-mentioned messaging service (hereinafter, appropriately referred to as “IMS”) and SNS (Social Networking Service) have become popular.
"IMS" is a service that allows users to send and receive messages between communication devices in order to exchange conversations between users of communication devices using the Internet. In the present specification, the expression "IMS", which is an abbreviation for instant messaging service, is used, but in a broad sense, it means the messaging service in general, and is not limited to the instant messaging service.
"SNS" is a service that forms a social network or community on the Internet, mainly for the purpose of communicating between users of communication devices. It can be said that IMS is one form (one form) of SNS. Therefore, IMS and SNS may or may not be distinguished.

In addition, in relation to these network services, it includes payment / settlement at the time of purchase of products in electronic commerce, payment / settlement at the time of purchase of products at physical stores, payment / settlement of utility charges, etc. Applications (application software) that can be used in a terminal 20 for enabling various payments / payments and remittances to the terminal 20 of another user are becoming widespread. Such applications include a "wallet application" for using the terminal 20 as a wallet for storing electronic money, a "payment application" for realizing payment with electronic money on the terminal 20 and the like. Is done.

In the following, a virtual wallet (hereinafter referred to as a virtual wallet) that can be commonly used by a plurality of terminals 20 (or users of a plurality of terminals 20) by using a wallet application or a payment application stored in advance by downloading to the terminal 20. , "Common wallet") is generated (created). Then, the balance of the electronic money when the electronic money stored in the generated common wallet is consumed by the settlement is divided among the plurality of terminals 20 (users of the plurality of terminals 20), in other words, the plurality of terminals 20 (plural). Distribute to the users of the terminal 20).

The common wallet is a virtual wallet that can be shared by a plurality of terminals 20 (users of a plurality of terminals 20) and a virtual wallet shared by a plurality of terminals 20 (users of a plurality of terminals 20). Therefore, it can also be expressed as a "shared wallet" or a "shared wallet".

In the following, as one function of the "IMS application" which is an application provided by the IMS operator and is a kind of application for IMS, the terminal "IMS wallet application" which is a kind of wallet application / payment application. It will be described as being used in 20.

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

In general, "electronic money" is a payment method provided by a business operator (hereinafter referred to as an IMS business operator) that uses information and communication technology to replace cash.
As will be described later in a modified example, the electronic money in the present disclosure can be a concept that includes not only IMS money but also all payment methods that can be used by the user as an alternative to cash.

<Information processing method>
FIG. 2-1 is a flowchart showing an example of the flow of the information processing method in the present embodiment. Here, as an example, not limited to, in the IMS application stored in the terminal 20, one group is formed among users of a plurality of terminals 20 registered as friends who can send and receive contents to each other, and is included in this group. A case where a user (hereinafter referred to as a “group user”) jointly invests electronic money and makes a purchase with the electronic money will be described as an example.

First, the terminal 20 performs a common wallet generation process (S1). Specifically, not only as an example, but as an example, the terminal 20 uses the communication I / F 22 to provide common wallet generation request information for requesting the server 10 to generate a common wallet based on the common wallet generation operation for the input / output unit 23. Send to server 10. In this case, as an example, not limited to, one of the group users becomes the representative of the group, and in the IMS application, a common wallet that can be jointly used by the group users is generated in the IMS wallet application. The common wallet generation operation for this purpose can be performed on the input / output unit 23. Then, the server 10 generates a common wallet in association with the group identification information for identifying the group including the user of the terminal 20 based on the reception of the common wallet generation request information from the terminal 20 by the communication I / F14. Then, it is stored in the storage unit 15.

Next, the terminal 20 performs the target amount setting process (S3). In the present embodiment, the target amount (not limited, but an example of the procurement target value of electronic money) is the target amount of electronic money jointly invested by a plurality of users in a common wallet in order to prepare goods, money, etc. It means (target value). Specifically, as an example, not limited to, the terminal 20 of the representative user sends the target amount information indicating the target amount to the server 10 by the communication I / F 22 based on the target amount setting operation for the input / output unit 23. Send. When the server 10 receives the target amount information from the terminal 20 by the communication I / F 14, the server 10 stores the target amount in association with the generated common wallet.

After that, the terminal 20 processes the payment request (S5). Specifically, as an example, not limited, on the terminal 20 of the representative user, the setting of the group user requesting the payment to the common wallet and the amount of requesting the group user to make the payment (hereinafter, "payment request amount"). The payment request setting screen for making the setting (referred to as) is displayed on the display unit 24. Then, the terminal 20 provides the user identification information for identifying the group user who requests the deposit and the deposit request amount information indicating the deposit request amount based on the setting operation for the input / output unit 23 on the deposit request setting screen. The payment request information including the payment request information is transmitted to the server 10 by the communication I / F 22.

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

The representative group user is the payment requester (requester). Therefore, in the payment request processing, at least a group user other than the representative group user may be targeted to set the payment request amount and request the payment. That is, the representative group user may or may not be excluded from the setting target of the deposit request amount.

Next, the terminal 20 performs a deposit process (S7). Specifically, the terminal 20 of the representative group user is based on the deposit request amount set in his / her own terminal 20, and according to the user operation, the deposit amount of IMS money to the common wallet (not limited to the first electronic money). The deposit amount information indicating (one example) is transmitted to the server 10 by the communication I / F22. Further, the terminal 20 of the other group user transfers the IMS money to the common wallet according to the user operation based on the payment request amount included in the payment request information received from the terminal 20 of the representative group user via the server 10. The deposit amount information indicating the deposit amount (not limited, but an example of the second electronic money) is transmitted to the server 10 by the communication I / F22. Based on the receipt request from the terminal 20 by the communication I / F 14, the server 10 subtracts the deposit amount indicated by the deposit amount information from the balance of the IMS money of the user of the terminal 20 and updates it, and S1 It is added to the balance of the common wallet stored in the storage unit 15 and updated.

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

After that, the terminal 20 performs payment request processing (not limited to an example of processing related to payment) (S9). Specifically, as an example, not limited to, at the terminal 20 of any group user included in the group that generated the common wallet in S1, when purchasing a product by the commercial transaction system 40, payment by IMS money of the common wallet is requested. The payment request information for this is transmitted to the server 10. Then, when the payment is made by the server 10, the information regarding the payment result is received from the server 10 by the communication I / F22.

Next, the terminal 20 performs the balance distribution process (S11). Specifically, as an example, not limited, a process of distributing and refunding the remaining amount of the common wallet to each group user by distributing the balance of the common wallet to each group user including the user of the own terminal 20. I do. This process will be described later with reference to a screen example.

In the above process, the target amount setting process in S3 is not an indispensable process, and this step may be omitted. That is, the target amount may or may not be set.

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

FIG. 2-2 is a diagram showing an example of a group talk room screen displayed on the display unit 24 of the terminal 20. This group talk room screen is an example of a display screen displayed when the IMS application is started on the terminal 20 and the user of the terminal 20 performs a group talk. Here, the "group X" is composed of three people, "user A.A.", "user BB", and "user CC", and the user A.A. The case where A becomes the representative of group X is illustrated.

On this display screen, "IMS talk room" is displayed at the upper part of the screen, and below that, the name of the group including the user of the own terminal 20 is group X, and the names of the users included in this group X. "Group X (3)" is displayed as a display indicating that the total number of people is three.

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

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

Here, as an example, the user A. A is user B. B and user C. A message is displayed suggesting to C to go camping in a group. Then, user B. B and user C. C agrees with this and uses a common wallet for everyone to purchase what they need for the camp. A message to the effect that A is generated is displayed.

In addition, on the right side of the display frame where the group name etc. at the top of the screen is displayed, as an example, not limited to a common wallet generation button (common) that is represented by a wallet (for example, a purse) and can be touch-operated by the user. Wallet creation button) WB is displayed. When this common wallet generation button WB is touch-operated by the user, as an example, not limited to, a common wallet generation request for requesting generation (creation) of a common wallet in association with group identification information for identifying a group. Information (common wallet creation request information) is transmitted from the terminal 20 to the server 10, and a common wallet is generated in the IMS wallet application in association with the group (here, group X) identified from this group identification information by the server 10. (Created).

FIG. 2-3 is a diagram showing an example of a display screen relating to the common wallet function displayed in the IMS wallet application when a common wallet is generated in the IMS wallet application.
On this display screen, the characters "IMS wallet" are displayed at the upper part of the screen, and below that, the user A. The characters "common wallet: camp fund" indicating that the name of the common wallet generated by A is "camp fund" are displayed. Below that, "0 yen" is displayed as the current balance of the common wallet.

Further, below that, icons indicating functions that can be realized by the IMS wallet application in relation to the common wallet, and a plurality of function icons are displayed as icons that can be operated by the user. For example, by touching this function icon with the user's finger, the corresponding IMS wallet function can be realized.

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

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

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

Further, here, when the common wallet is destroyed, the balance of the common wallet is divided and distributed to each group user by the above balance distribution process, but the present invention is not limited to this. For example, the common wallet is not destroyed and the common wallet continues to be used, but the current balance of the common wallet may or may not be divided and distributed to each group user.

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

In the above target amount setting screen, instead of allowing the user to input and set the target amount using the numeric keypad, a pull-down menu or the like is used from a plurality of target amount candidates prepared in advance. The user may or may not select and set the target amount.

FIG. 2-5 is a diagram showing an example of a deposit request screen displayed on the display unit 24 when the deposit request icon is touch-operated on the display screen of FIG. 2-3.
On this deposit request screen, together with the target amount set on the above target amount setting screen, the user A. who is a user of his / her own terminal 20 as a group user. The icon image of A and its user name, and the user B. who is another group user. The icon image of B, its user name, and another group user, C.I. The icon image of C and its user name are displayed. Further, the information for setting the deposit request amount, which is the information for setting the deposit request amount, is displayed in association with the display of these three group users.

The information for setting the deposit request amount is not limited, but as an example, the amount setting button indicated by the upper and lower triangular marks that enables the deposit request amount to be set / changed by the user's touch operation, and the amount setting information. A deposit request amount confirmation button that includes a deposit request amount display column that displays the deposit request amount that is set / changed by touching the button, and a check mark that confirms the deposit request amount displayed in the deposit request amount display column. And are included.

Further, at the lower part of the screen, a deposit request execution button showing the characters "request deposit" for executing a deposit request to another group user by a user's touch operation is displayed. This deposit request execution button is not limited, but as an example, it is in a grayed out state by default, the deposit request amount is confirmed for all group users, the deposit request amount confirmation button is touch operated, and the display is colored. When the value changes to, the grayed out state of the deposit request execution button is canceled, and the deposit request can be executed by touching the deposit request execution button.

When setting the target amount, it is desirable that the total amount of payment requests to each group user matches the target amount. Therefore, the fact that the total amount of the deposit request amounts matches the target amount may or may not be included in the conditions for enabling the execution of the deposit request.

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

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

Further, on the above payment request screen, for example, the payment request amount confirmation button may not be displayed so that the user can execute the payment request at an arbitrary timing, or even if it is not done so. Good.

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

Further, on the above-mentioned deposit request screen, the user may or may not be able to select the group user who requests the deposit from the group user candidates by a pull-down menu or the like. Good.

FIG. 2-6 is a diagram showing an example of a display screen when the deposit request amount is changed and confirmed on the deposit request screen of FIG. 2-5.
In this display screen example, in the above payment request screen, for example, the user A. who is the representative of the group X. "15,000 yen" for A, user B. "10000 yen" is for B, but user C. C indicates a state in which "5000 yen" is set as the deposit request amount.
Then, the deposit request amount confirmation button displayed in association with each user is touch-operated to change the color, and accordingly, the grayed-out state of the deposit request execution button is released. By touching the deposit request execution button in this state, the user A. From terminal 20 of A via server 10, user B. B, user C. Payment request information including the set payment request amount is transmitted to the terminal 20 of C, respectively.

In this way, by making it possible to set and change the deposit request amount individually for each group user, for example, for a certain group user, since the amount was increased last time, this time it is requested to deposit less. On the contrary, since I didn't pay much money last time, it is possible to request a large amount of money this time. In addition, for example, it is possible for the representative user to pay a large amount of money to reduce the burden on other group users.

FIG. 2-7 is a diagram showing an example of a display screen displayed on the display unit 24 of the terminal 20 that has received the payment request information. Here, as an example, the user A. The payment request information transmitted from the terminal 20 of A is transmitted to the user C.I. The case where it is received by the terminal 20 of C is illustrated.
On this display screen, on the standby screen, there is a button with the word "Open" to start the IMS wallet application in association with the message "IMS IMS wallet: There is a deposit request to the common wallet." It is displayed.

FIG. 2-8 is a diagram showing an example of a display screen displayed when the “open” button is touch-operated on the display screen of FIG. 2-7.
When the "Open" button is touch-operated, the user C.I. The IMS wallet application is started on the terminal 20 of C, and a deposit screen for making a deposit based on the deposit request information is displayed. On this deposit screen, for example, "IMS wallet A.A. requested to deposit the common wallet: camp funds. Amount: 5000 yen" and "Deposit now" to deposit as it is. A button with the letters "Later", a button with the letters "Later" to make a deposit later, and a button with the letters "Details" to confirm the details of the deposit request information. Is displayed.

FIG. 2-9 is a diagram showing an example of a display screen displayed when the “Deposit now” button is touch-operated on the display screen of FIG. 2-8.
By touching the "Deposit Now" button, User C.I. On the display unit 24 of the terminal 20 of C, for example, a deposit amount setting field for setting / changing the deposit amount is displayed together with the characters "common wallet: camp fund". In this deposit amount setting field, for example, the deposit request amount (here, 5000 yen) included in the received deposit request information (here, the deposit request information received from the terminal 20 of the user AA) is displayed as the default. Can be done.

In addition, under the deposit amount setting field, user C.I. The balance of IMS money (here, 7,000 yen) in C's IMS wallet application is displayed. Therefore, the user C.I. C is able to easily grasp how much his / her current balance of IMS money is and whether or not the deposit request amount can be deposited.

In addition, at the bottom of the screen, a button showing the characters "make a deposit" for executing the deposit of the deposit amount set in the deposit amount setting field is displayed. When this button is touch-operated, the deposit request information requesting that the deposit amount set in the deposit amount setting field be deposited in the common wallet is sent to the user C.I. It is transmitted from the terminal 20 of C to the server 10. Then, on the server 10, the user C.I. The deposit amount is subtracted from the balance of C's IMS money and updated, and the deposit amount is added to the common wallet and updated.

FIG. 2-10 is a diagram showing an example of a display screen displayed on the display unit 24 of the terminal 20 when a product is purchased using the IMS money of the common wallet and the payment process is performed by the server 10. Here, user B. An example is an example in which a camp product of "5,000 yen" is purchased and settled from the common wallet of group X: camp fund by B.
On the group talk room screen of group X, for example, user B. The balance of the common wallet is "25,000 yen" with the message "[IMS wallet] Mr. BB used 5,000 yen from the camp fund." In association with the icon image and user name of B. Is displayed. Further, below that, a detailed confirmation icon for confirming the detailed contents and an IMS wallet icon for starting the IMS wallet application are displayed.

2-11 is a diagram showing a state in which the “discard icon” is touched on the display screen of FIG. 2-3. When the "discard icon" is touch-operated, for example, a screen for discarding the common wallet as shown in FIG. 2-12 is displayed.
The destruction of this common wallet may be executed only by the representative of group X (here, user AA), or may be executed by all group users (here, user AA, user BB). , User CC) may be able to execute. Here, the user A. who is the representative of the group. The case where A executes the destruction of the common wallet is illustrated.

On this display screen, the characters "Common wallet: Camp funds" and the message "Do you want to discard the common wallet and distribute the balance?" Are displayed, and the balance of the common wallet is "3000 yen". Has been done. In addition, below that, a "sorting execution button" showing the characters "sorting" for sorting the balance is displayed.

FIG. 2-13 is a diagram showing an example of a display screen displayed when the “sorting execution button” is touch-operated in FIG. 2-12.
When the distribution execution button is pressed, as an example, not limited to the "equal distribution button" with the characters "equally divided" and the "deposit amount" with the characters "divide according to the deposit amount". "Distribution button" and "Free distribution button" with the characters "Freely divide" are displayed.
The "equal distribution button" is a button for evenly distributing the balance of the common wallet among all group users (here, users AA, user BB, and user CC).
The button of the "deposit amount distribution button" is a ratio of the balance of the common wallet corresponding to the deposit amount to the common wallet of each group user (here, user AA, user BB, user CC). It is a button for distribution.
The "free distribution button" is a button for the user who executes the destruction of the common wallet (here, the representative user AA) to freely distribute the balance of the common wallet.

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

2-14 is a diagram showing an example of a display screen displayed when the "equal distribution button" is touch-operated in FIG. 2-13.
On this display screen, along with the balance of the common wallet, the user A. who is the user of his / her terminal 20. The icon image of A and its user name, and the user B. who is another group user. The icon image of B, its user name, and another group user, C.I. The icon image of C and its user name are displayed. In addition, information for setting the distribution amount, which is information for setting the distribution amount for distributing the balance of the common wallet, is displayed in association with the display of these three group users.

The information for setting the distribution amount is not limited, but as an example, by touching the amount setting button and the amount setting button indicated by the upper and lower triangular marks for setting / changing the distribution amount by the user's touch operation. It includes a distribution amount display field in which the distribution amount to be set / changed is displayed, and a distribution amount confirmation button including a check mark for confirming the distribution amount by a user's touch operation.

In addition, at the bottom of the screen, a refund execution button showing the characters "refund" for executing a refund of the fixed distribution amount to each group user is displayed. Like the deposit request execution button described above, the refund execution button is not limited, but as an example, it is in a grayed out state by default, the distribution amount is confirmed for all group users, and the distribution amount confirmation button is touch-operated. Then, when the display changes to colored, the grayed out state of the refund execution button is canceled, and the refund can be executed by touching the refund execution button.

Further, FIG. 2-14 is a display screen for distributing the balance of the common wallet in common. Therefore, as a default, "1000 yen" when the balance of the common wallet "3000 yen" is evenly divided among the three users is displayed in the distribution amount display column of each group user, and the distribution amount is confirmed. It shows that the button has already changed to colored.

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

In the example of FIG. 2-5, the deposit request amount is set to the user A. A is "15,000 yen", user B. B is "10,000 yen", user C.I. C is set to "5000 yen", and based on the distribution of the deposit request amount, the distribution ratio of the balance of the common wallet is "3: 2: 1". Since the balance of the common wallet is "3000 yen", User A. A, user B. B, user C. The distribution amount to C is "1500 yen", "1000 yen", and "500 yen", respectively. Therefore, these distribution amounts are displayed in the distribution amount display column of each group user, and the state in which the distribution amount confirmation button has already changed to colored is shown.

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

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

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

The user can change the increase / decrease of the distribution amount (distribution of the balance of the common wallet) to each user by swiping to expand / narrow the area of the area corresponding to the user for which the distribution amount is set. Is configured to allow

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

Further, although the case of displaying a pie chart, which is a kind of graph, is illustrated here, the present invention is not limited to this. In addition to this, for example, a graph such as a bar graph or a band graph whose distribution amount to each group user (distribution of the balance of the common wallet) can be changed by swiping may be displayed in the same manner. You don't have to.

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

Further, on the balance distribution screen described above, for example, the distribution amount confirmation button may not be displayed so that the user can execute the balance distribution (refund) at an arbitrary timing. It does not have to be.

Further, on the balance distribution screen described above, the refund execution button may be displayed in association with each group user. For example, a refund execution button may be displayed on the right side of the distribution amount display field for each group user so that the balance distribution (refund) can be executed in any order for each group user. , You don't have to do that.

Further, on the balance distribution screen described above, the user may be able to select a group user to distribute the balance (a group user to refund) from the group user candidates by a pull-down menu or the like. , You don't have to do that.

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

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

The IMS processing unit 112 executes an IMS process, which is a process for realizing transmission / reception of content including a message for IMS between a plurality of terminals 20, according to the IMS processing program 152 stored in the storage unit 15. It has a function.

The payment management processing unit 113 communicates with the terminal 20 and the commercial transaction system 40 at the time of electronic commerce of the user of the terminal 20 or commercial transaction at a physical store, and executes payment by IMS money in the IMS wallet application, for example, without limitation. -It has a function to execute payment management processing, which is a processing for management.

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

FIG. 3-2 is a diagram showing an example of information stored in the storage unit 15 of the server 10 in the present embodiment.
The storage unit 15 stores, as an example, not limited to, a server main processing program 151 that is read by the control unit 11 and executed as a server main processing as a program, and an IMS processing program 152 that is executed as an IMS processing. Will be done.
Further, the IMS processing program 152 includes the common wallet management processing program 1521 read by the control unit 11 and executed as the common wallet management processing as a subroutine program.
The common wallet management process will be described in detail later using a flowchart.

Further, the storage unit 15 stores user registration data 153, commercial transaction system data 154, user management database 155, and group management database 156 as data, but not as an example.

The user registration data 153 is the registration data of the terminals 20 and the users of the terminals 20 that use the IMS and electronic money management services, and an example of the data structure is shown in FIG. 3-3.
In the user registration data 153, as an example, the user name, the terminal telephone number, the terminal mail address, the user ID, the user password, the user icon image, and the user profile are stored in association with each other.

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

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

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

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

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

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

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

The various user information described above can be stored and managed on the server 10 side as user information common to the IMS application and the IMS wallet application as an example without limitation.

The commercial transaction system data 154 is an electronic commerce or physical store business that is affiliated with an IMS operator (server 10 operator) that allows the user of the terminal 20 to make a payment using the IMS wallet application. It is registration data about the business transaction system 40 of the person.

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

The user management data of each user is not limited to, but as an example, the IMS user content history data and the IMS wallet management data are stored in association with the user name and the user ID.

The IMS user content history data is data related to the history of IMS content transmitted and received between the terminal 20 of this user and the terminal 20 of another user, and is not limited but is transmitted and received in the talk room of this user as an example. The data associated with the content, the date and time when the content was sent and received, and the content number which is the identification information for identifying the content is stored as a history.

The IMS wallet management data is management data in the IMS wallet of this user, and an example of the data structure is shown in FIG. 3-5.
The IMS wallet management data stores, for example, the balance, the IMS points, the auto charge setting, the payment history data, the remittance / receipt history data, and the common wallet deposit history data.

In the balance, the balance of IMS money owned by the user with this user ID is stored.
In the IMS points, various services of IMS and points that can be accumulated at member stores affiliated with the IMS operator are stored. The IMS points are not limited, but as an example, each point has a value equivalent to 1 yen and can be exchanged for a gift certificate, a product, or the like, or can be cashed in an IMS application and used for payment.

The auto charge setting is a setting for whether or not to automatically replenish (auto charge) the IMS money when the balance becomes a small amount (for example, "500 yen") or "0 yen". If the auto charge is set by the user, "ON" is stored, and in other cases, "OFF" is stored. The auto charge is not limited, but as an example, it can be performed from a bank account or the like registered by the user of the terminal 20.

The payment history data stores the payment history of the user with this user ID.
The remittance / receipt history data stores the history of remittances of the user of this user ID to other users and the history of deposits of users with this user ID from other users.

In the common wallet deposit history data, the history of deposits to the common wallet of the user with this user ID is stored.

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

The group management data of each group is not limited, but as an example, the group name which is the name of this group, the group ID, the group generation date and time, the number of groups, the group user data, the IMS group content history data, and the group management data. Common wallet management data is stored.

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

The group generation date and time is the date and time when this group was created (created). As an example, but not limited to, a group can be arbitrarily created by a user who uses IMS, and the user who created the group or a user who has joined the group invites another user to join the group. Users can join the group.

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

The total number of users included in this group is stored in the group number. Each time a new user joins a group, the number of people in the group is added and updated, and every time a user who has already joined leaves the group, the number of people in the group is subtracted and updated.

The group user data is not limited, but as an example, the user name of a user included in this group (hereinafter referred to as "group user"), the user ID of this group user, and this group user join this group. The date and time of joining the group is stored in association with the date and time of joining the group.

The IMS group content history data is data related to the history of IMS content transmitted and received between the terminals 20 of the group users included in this group, and is not limited to, but as an example, the content transmitted and received in the talk room of this group and Data that associates the date and time when the content was sent and received with the content number for identifying the content is stored as a history.

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

The target amount set for this common wallet is stored in the target amount.
In the common wallet balance, the balance of IMS money saved in the common wallet is stored.
In the common wallet IMS points, the IMS points acquired by making a payment based on the common wallet balance are stored.
In the payment history data, the history of payment by IMS money of the common wallet is stored.
The deposit history data stores the history of deposits to the common wallet.

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

The terminal main processing unit 211 has a function of executing terminal main processing, which is a process for comprehensively controlling the terminal 20, according to the terminal main processing program 281 stored in the storage unit 28. As an example, not limited to, when the terminal 20 is a mobile phone, it controls to make a call with another mobile phone, a fixed telephone, or the like via the communication I / F22, or via the communication I / F22. Controls to access various websites, controls to display various information on the display unit 24, processes to analyze various sound data input from the microphone 25, or the camera 27. Performs processing such as analyzing still images and moving images taken by.

The IMS application processing unit 212 communicates with the server 10 based on the IMS application 282 stored in the storage unit 28, and transmits / receives content to / from the terminal 20 of another user via the server 10, for example. It has a function to execute IMS application processing, which is a processing for performing.

The IMS wallet application processing unit 213 executes IMS wallet application processing for realizing various functions of the IMS wallet application by communicating with the server 10 based on the IMS wallet application 283 stored in the storage unit 28. It has a function.

The IMS wallet application processing unit 213 is not limited to the common wallet generation processing unit 2131, the target amount setting processing unit 2133, the payment request processing unit 2135, the payment processing unit 2136, the settlement request processing unit 2137, and the like. It has a balance distribution processing unit 2139 as a functional unit.

FIG. 3-9 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in the present embodiment.
The storage unit 28 stores, as an example, not limited to, a terminal main processing program 281 that is read by the control unit 21 and executed as the terminal main processing.

Further, the storage unit 28 stores the IMS application 282 and the IMS wallet application 283 as application software acquired by downloading from the server 10 in advance, for example, without limitation.

The IMS wallet application 283 includes, but is not limited to, the IMS wallet application program 2831 and the IMS wallet application data 2833.

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

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

The IMS application 282 and the IMS wallet application 283 may be one application or different applications.

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

Here, as in the above-mentioned example, the user A. who is the user of the terminal A. A and user B. who is a user of terminal B. B and user C. who is a user of terminal C. Group X is formed with C, and user A. Explain that A is the representative of the group. Further, the terminals A to C are actually configured to perform processing in the same processing procedure according to the IMS wallet application program 2831, but here, for the sake of clarity, they are representatives of the group X. User A. It is illustrated and explained as a process when A generates a common wallet, sets a target amount, requests a deposit, and distributes a balance.

Further, the flowchart described below merely exemplifies the processing in the present embodiment, and in the flowchart described below, some steps may not be executed or additional steps may be inserted. ..

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

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

On the other hand, if it is determined to generate a common wallet (A1; Yes), the common wallet generation processing unit 2131 of the terminal A is not limited to, but as an example, the user A. who is a user of the own terminal A. The common wallet generation request information including the user ID of A, the group ID of group X, and the common wallet name set according to the user operation is transmitted to the server 10 by the communication I / F 22 (A3).

When the common wallet management processing unit 115 of the server 10 receives the common wallet generation request information from the terminal A by the communication I / F 14 (D1), the common wallet is associated with the group ID included in the received common wallet generation request information and the common wallet. Generates a common wallet with a common wallet name included in the generation request information, generates common wallet management data stored together with the common wallet generation date and time and the common wallet generation group user ID, and corresponds to this group ID in the group management database 156. Store in the group management data.

After that, the common wallet management processing unit 115 of the server 10 transmits a common wallet generation notification to the effect that the common wallet has been generated to the terminals A, B, and C by the communication I / F14 (D3).

When the IMS wallet application processing unit 213 of the terminal A, the terminal B, and the terminal C receives the common wallet generation notification from the server 10 by the communication I / F22 (A5, B5, C5), the common wallet is generated in association with the group X. A common wallet generation notification process for notifying the user is performed by displaying a message to that effect on the display unit 24 (A7, B7, C7).

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

If it is determined to set the target amount (A9; Yes), the target amount setting processing unit 2133 of the terminal A sets the target amount (A11). Specifically, for example, the target amount setting screen as shown in FIG. 2-4 is displayed on the display unit 24, and the target amount is set according to the user operation on the input / output unit 23. Then, the target amount setting processing unit 2133 of the terminal A transmits the target amount information indicating the set target amount to the server 10 by the communication I / F22 (A13).

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

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

If it is determined that the payment request is to be made (A15; Yes), the payment request processing unit 2135 of the terminal A sets the payment request (A17). Specifically, for example, the payment request screen as shown in FIGS. 2-5 and 2-6 is displayed on the display unit 24, and the payment request setting is performed according to the user operation for the input / output unit 23. Then, based on the payment request setting, the payment request processing unit 2135 of the terminal A is not limited to, but as an example, the user A. of its own terminal A. The user ID of A, the user ID of the group user (user BB, user CC in this case) requesting the payment, and the payment request information associated with the payment request amount are sent to the server 10 by the communication I / F22. Send (A19).

When the common wallet management processing unit 115 of the server 10 receives the payment request information from the terminal A by the communication I / F 14, the user with the user ID included in the received payment request information (here, user BB, user CC). ), A payment request notification for requesting payment of the payment request amount associated with the user ID is transmitted to the terminal 20 (here, terminal B, terminal C) by communication I / F14.

The IMS wallet application processing unit 213 of the terminal A determines whether or not to make a deposit after A19 (A21). Specifically, for example, on the display screen of the IMS wallet application as shown in FIG. 2-3, it is determined that the deposit is made when the deposit icon is touch-operated.

If it is determined to make a deposit (A21; Yes), the deposit processing unit 2136 of the terminal A displays, for example, a deposit screen as shown in FIGS. 2-8 and 2-9 on the display unit 24 and deposits. The deposit amount is set according to the user operation on the output unit 23. Then, the payment processing unit 2136 of the terminal A may be used by the user A. The deposit information including the user ID of A and the deposit amount is transmitted to the server 10 by the communication I / F22 (A23).

When the IMS wallet application processing unit 213 of the terminal B receives the payment request notification from the server 10 by the communication I / F 22 (B19), it determines whether or not to make a payment (B21). Then, if it is determined that the payment is to be made (B19; Yes), the payment processing unit 2136 of the terminal B may use the user B. The deposit information including the user ID of B and the deposit amount is transmitted to the server 10 by the communication I / F22 (B23).
The same applies to the terminal C (C19 to C23).

When the common wallet management processing unit 115 of the server 10 receives the payment information from the terminal A by the communication I / F 14 (D11), the common wallet management processing unit 115 performs the payment management process (D13). Specifically, as an example, not limited to, the deposit amount is subtracted from the balance of the IMS wallet management data of the user management data for the user ID included in the received deposit information and updated, and the common wallet of the common wallet management data is updated. Update by adding the deposit amount to the balance.

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

If it is determined that the payment is to be made from the common wallet (A31; Yes), the payment request processing unit 2137 of the terminal A transmits the information necessary for the payment to the server 10 by the communication I / F22, and the like, to the server 10. Performs settlement request processing requesting execution of settlement (A33).
The same applies when the terminal B and the terminal C make a payment from the common wallet (B31 to B33).

Upon receiving a payment request from the terminal 20, the payment management processing unit 113 of the server 10 performs payment processing (D33). The payment processing method is, for example, as described above. Then, the payment management processing unit 113 of the server 10 subtracts the payment amount from the common wallet balance of the common wallet management data and updates it.
The same applies when a payment request is received from the terminal B and the terminal C.

After that, the common wallet management processing unit 115 of the server 10 communicates the payment result information including the user name of the user of the terminal 20 who received the payment request, the payment amount, information on the details of the payment, and the like, not only as an example. By / F14, it is transmitted to the terminal 20 that has received the payment request (D35). Further, the common wallet management processing unit 115 of the server 10 is not limited to, but as an example, for notifying that the payment has been made by the IMS money of the common wallet by another group user, the terminal 20 that has received the payment request. A other user payment execution notification including the user's user name, payment amount, information on payment details, etc. is transmitted to the terminal 20 of a group user other than the user of the terminal 20 who received the payment request by communication I / F14 (D37). ).

The IMS wallet application processing unit 213 (A35, B35, C35) of the terminal 20 that has received the payment result information from the server 10 by the communication I / F22 causes the display unit 24 to display the information included in the received payment result information. Then, the payment result notification process for notifying the user of the payment result is performed (A37, B37, C37).

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

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

If it is determined that the common wallet is to be discarded (A43; Yes), the balance distribution processing unit 2139 of the terminal A sets the balance distribution (A45). Specifically, as an example, not limited to, a display screen (for example, FIGS. 2-12 to 2-18) for distributing the balance of the common wallet is displayed on the display unit 24, and the common wallet is according to the user operation. Determine the distribution of the balance of.

Next, the IMS wallet application processing unit 213 of the terminal A transmits the balance distribution information including the user ID of the group user who distributes the balance of the common wallet and the distribution amount to the communication I / F22 based on the setting by the balance distribution setting. To the server 10 (A47). When the common wallet management processing unit 115 of the server 10 receives the balance distribution information from the terminal A by the communication I / F 14 (D39), the distribution amount is the IMS wallet management data for the user with the user ID included in the received balance distribution information. Add to the balance of and update.

After that, the common wallet management processing unit 115 of the server 10 transmits a balance distribution notification to the effect that the balance of the common wallet has been distributed to the terminal A, the terminal B, and the terminal C by the communication I / F14 (D45). Then, the common wallet management processing unit 115 of the server 10 ends the common wallet management processing.

When the IMS wallet application processing unit 213 of the terminal A receives the balance distribution notification from the server 10 by the communication I / F 14 (A49), the balance of the common wallet is distributed and the distribution amount is not limited, but as an example. The balance distribution notification process for notifying the user is performed by displaying the display on the display unit 24 (A51). Then, the IMS wallet application processing unit 213 of the terminal A ends the IMS wallet application processing.
The same applies to the terminal B and the terminal C.

<Effect of this embodiment>
In the present embodiment, the terminal 20 (not limited, but an example of the first terminal) of one group user is transferred to the server 10 (not limited, an example of a server that manages payment by electronic money) with IMS money (limited). Instead, information on the deposit amount of electronic money (an example of electronic money) (not limited, but an example of information on first electronic money) is transmitted to the server 10 by communication I / F22. Then, one group user or one group user's terminal 20 and another group user (not limited, an example of a second terminal user) or another group user's terminal (not limited, an example of a second terminal). ) And at least the information on the deposit amount of IMS money transmitted to the server 10 by the terminal 20 of another group user (not limited to an example of the information on the second electronic currency) and the above one group. Based on the IMS money of the common wallet (not limited to an example of the third electronic currency) based on the information of the deposit amount of the IMS money transmitted to the server 10 by the user's terminal 20, the terminal 20 makes a payment to the server 10. Execute the requested settlement request process (not limited, but an example of process related to settlement). Then, for example, the balance of the common wallet settled by the server 10 is at least the amount distributed to one group user (not limited, but an example of the fourth electronic money) and the amount distributed to other group users (limited). It is divided into (an example of the fifth electronic money). Then, the terminal 20 of one group user is shown to receive the information on the distribution amount transmitted from the server 10 (not limited to an example of the information on the fourth electronic money) by the communication I / F 22.
As an example of the effect obtained by such a configuration, the third electronic money is divided by the user of the first terminal and the user of the second terminal, and then the information regarding the fourth electronic money after the division is transmitted by the first terminal. It becomes possible to receive, and the convenience of the user can be improved.

Further, in the present embodiment, the information on the amount of money to be distributed to other group users (not limited to an example of information on the fifth electronic money) is transmitted by the server 10 to the terminal 20 of the other group user. It is shown.
As an example of the effect obtained by such a configuration, it is possible to make the second terminal receive the information regarding the fifth electronic money after the division, and it is possible to improve the convenience of the user.

Further, in the present embodiment, the terminal 20 of one group user transmits the information of the deposit amount of IMS money to the server 10 (not limited to the user of the first terminal or the electronic money of the first terminal). The balance of the IMS money of the one group user or the terminal 20 of the one group user is reduced to the server 10 by performing an example of the process of reducing the balance of the above. Further, the terminal 20 performs a balance distribution process for distributing the balance of the common wallet (not limited to an example of a process of increasing the balance of the user of the first terminal or the electronic money of the first terminal). The configuration is shown in which the balance of the IMS money of the terminal 20 of the group user or one group user is increased to the server 10.
As an example of the effect obtained by such a configuration, the terminal 20 performs a process of reducing the balance of the electronic money of the first terminal or the user of the first terminal based on the information about the first electronic money by the control unit 21. By doing so, the balance can be set to an appropriate value. Further, the balance becomes an appropriate value when the terminal 20 performs a process of increasing the balance of the electronic money of the first terminal or the user of the first terminal based on the information about the fourth electronic money by the control unit 21. Can be done.

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

Further, in the present embodiment, in the balance distribution processing, the balance of the common wallet (not limited, but an example of the balance of the third electronic money processed for settlement) is the deposit amount of one group user (not limited, but the first). Based on one group user's deposit amount (not limited, but an example of second electronic money information) and another group user's deposit amount (an example of one electronic money information), one group user's distribution amount (not limited, fourth electronic money) The configuration is shown in which the information is divided into (an example of information on the fifth electronic money) and the distribution amount of other group users (not limited to an example of information on the fifth electronic money).
As an example of the effect obtained by such a configuration, the balance of the third electronic money that has been settled based on the information of the first electronic money and the information of the second electronic money is the information of the fourth electronic money and the fifth. It can be divided into electronic money information. For example, when the value of the first electronic money is larger than that of the second electronic money, it is unfair to divide the fourth electronic money so that the value is larger than that of the fifth electronic money. Can be prevented from occurring.

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

Further, in the present embodiment, information for the user to freely divide the balance of the common wallet (not limited, but an example of the balance of the third electronic money processed for payment) is displayed on the display unit 24 of the terminal 20. The configuration is shown.
As an example of the effect obtained by such a configuration, the settlement processing is performed in a manner in which the value of the fourth electronic currency and the value of the fifth electronic currency divided from the balance of the settlement-processed third electronic money can be changed. Since information for specifying how to divide the balance of the third electronic money can be displayed in the display area of the first terminal, the convenience of the user can be improved.

Further, in the present embodiment, the user uses a graph such as a pie chart, a bar graph, or a band graph displayed on the display unit 24 of the terminal 20 to use the balance of the common wallet (not limited to the balance of the third electronic money). An example) configuration is shown to specify the allocation.
By using a graph as an example of the effect obtained by such a configuration, it is possible to divide the balance of the third electronic money that has been settled by an intuitively easy-to-understand and simple user operation.

Further, in the present embodiment, the target amount of IMS money that the terminal 20 can use at least the terminal 20 of one group user or one group user and the terminal 20 of another group user or another group user ( Not limited to this, an example of a procurement target value) is set, and the set target amount is displayed on the display unit 24.
As an example of the effect obtained by such a configuration, a procurement target value of electronic money that can be used by the user of the first terminal or the first terminal and the user or the second terminal of the second terminal is set, and the electronic money is set. Since the procurement target value of is displayed in the display area of the first terminal, the user can grasp the procurement target value, and the convenience of the user can be improved.

Further, in the present embodiment, the display unit 24 displays information that the terminal 20 requests a user of the terminal 20 different from the own terminal 20 to make a payment by IMS money (not limited to an example of investment by electronic money). The configuration to do is shown.
As an example of the effect obtained by such a configuration, in order to display in the display area the information for requesting the user of the terminal different from the first terminal to invest in electronic money, the user can display the information regarding the investment requested to the user of the different terminal. Can be grasped, and the convenience of the user can be improved.

Further, in the present embodiment, information for setting the deposit amount of IMS money (not limited, but an example of the value of the investment of electronic money) requested by the terminal 20 to the terminal 20 different from the own terminal 20 is provided. The configuration to be displayed on the display unit 24 is shown.
As an example of the effect obtained by such a configuration, by displaying in the display area for setting the value of the investment of electronic money requested to the terminal different from the first terminal, the terminal different from the first terminal can be displayed. The user can freely set the value of the investment of the requested electronic money, and the convenience of the user can be improved.

<Modification example (1)>
In the above embodiment, electronic money has been described as IMS money, but the present invention is not limited to this. Electronic money is not limited to IMS money, but is not limited to, for example, so-called virtual currency, in-game currency, gift codes sent (presented) by users of other terminal 20 as gifts, and various types including the above-mentioned IMS points. It can be a concept that includes all payment methods that can be used by the user as an alternative to cash, such as points sent (presented) to the user (user's terminal) by the point service of.

In addition, although the nuance is slightly different from that of money, electronic coupons, which are coupons used as cash coupons and discount coupons and are electronic coupons, are also alternatives to cash. Therefore, the electronic coupon may or may not be regarded as the electronic money in the present disclosure and the same processing as that of the above embodiment may be performed.

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

<Effect of modification (1)>
As an example of the effect obtained by this modification, the terminal uses the third electronic money that has been settled for the electronic money of a type different from the electronic money associated with the IMS, the information of the fourth electronic money, and the fifth electronic money. It can be divided into monetary information.

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

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

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

<Effect of modification (3)>
As an example of the effect obtained by this modification, the processing load of the server that manages the payment can be reduced by managing the information regarding the third electronic money in the terminal 20.

<Modification example (4)>
In the above embodiment, the user sets various settings such as a setting related to a payment request to the common wallet and a setting related to the balance distribution of the common wallet in the IMS wallet application of the terminal 20, but the present invention is not limited to this. .. For example, in the group talk room of the IMS application, various settings such as the setting related to the payment request to the common wallet and the setting related to the balance distribution of the common wallet may be made, or may not be performed. Good.

<Effect of modification (4)>
As an example of the effect obtained by this modification, it is possible to set the investment of electronic money and the division of electronic money while transmitting and receiving the content including the message by the application of IMS, which is convenient for the user. The sex can be improved.

<Modification example (5)>
In addition, payment requests to the common wallet and balance distribution of the common wallet can be performed not only by the user who generated the common wallet, but also by any user included in the group set as the group to which the common wallet is applied. can do. In the above embodiment, not only the user who is the representative of the group but also other group users who are included in the same group set the server 10 after making the payment request to the common wallet and the balance distribution of the common wallet. Through this, it is possible to request payment and distribute the balance to other users.

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

1 Communication system 10 Server 20 Terminal 30 Network 40 Commercial transaction system

Claims (13)

It is an information processing method by the first terminal that executes payment based on electronic money.
Sending the information of the first electronic money to the server that manages the payment by the electronic money by the communication unit of the first terminal, and
Information on the second electronic money transmitted by the second terminal and the first electronic money that can be used by at least the user of the first terminal or the first terminal and the user of the second terminal or the second terminal. To execute the processing related to the settlement by the first terminal based on the third electronic money based on the information of
The balance of the third electronic money processed for settlement is divided into at least the information of the fourth electronic money and the information of the fifth electronic money, and the information regarding the fourth electronic money transmitted from the server is received by the communication unit. Including to do. The information processing method according to claim 1.
The information regarding the fifth electronic money is transmitted by the server to the second terminal. The information processing method according to claim 1 or 2.
Based on the information regarding the first electronic money, the user of the first terminal or the control unit of the first terminal performs a process of reducing the balance of the electronic money of the first terminal.
Based on the information regarding the fourth electronic money, the control unit performs a process of increasing the balance of the user of the first terminal or the electronic money of the first terminal. The information processing method according to any one of claims 1 to 3.
The fourth electronic money and the fifth electronic money are divided into the same value from the balance of the third electronic money that has been settled. The information processing method according to any one of claims 1 to 3.
The balance of the third electronic money processed for settlement is based on the information of the first electronic money and the information of the second electronic money, and is divided into the information of the fourth electronic money and the information of the fifth electronic money. It is divided. The information processing method according to any one of claims 1 to 3.
This includes displaying information regarding the division of the balance of the third electronic money processed by the settlement in the display area of the first terminal. The information processing method according to claim 6.
The value of the fourth electronic money to be divided from the balance of the third electronic money processed for settlement based on the input for the information regarding the division of the balance displayed in the display area of the first terminal and the said. Change the value of the 5th electronic money. The information processing method according to claim 7.
Information regarding the division of the balance is displayed in the display area by a graph. The information processing method according to any one of claims 1 to 8.
A procurement target value of the electronic money that can be used by at least the user of the first terminal or the first terminal and the user of the second terminal or the second terminal is set, and the procurement target value of the electronic money is set. It includes being displayed in the display area of the first terminal. The information processing method according to claim 9.
It includes displaying in the display area information for requesting a user of a terminal different from the first terminal to invest in the electronic money. The information processing method according to claim 10.
It includes displaying in the display area for setting the value of the investment of the electronic money requested to a terminal different from the first terminal. It is a program to be executed by the computer of the first terminal that executes payment based on electronic money.
Sending the information of the first electronic money to the server that manages the payment by the electronic money by the communication unit of the first terminal, and
Information on the second electronic money transmitted by the second terminal and the first electronic money that can be used by at least the user of the first terminal or the first terminal and the user of the second terminal or the second terminal. To execute the processing related to the settlement by the first terminal based on the third electronic money based on the information of
The balance of the third electronic money processed for settlement is divided into at least the information of the fourth electronic money and the information of the fifth electronic money, and the information regarding the fourth electronic money transmitted from the server is received by the communication unit. Including to do. A terminal that executes payments based on electronic money
A communication unit that transmits information on the first electronic money to the server that manages the payment by the electronic money, and
The information of the second electronic money transmitted by the second terminal and the information of the first electronic money, which can be used by the user of the terminal or the terminal and the user of the second terminal or the second terminal at least. Based on the third electronic money based on the control unit that executes the processing related to payment by the terminal,
With
The communication unit divides the balance of the third electronic money that has been settled into at least the information of the fourth electronic money and the information of the fifth electronic money, and outputs the information regarding the fourth electronic money transmitted from the server. Receive.

Images