JP7331045B2 - Information processing device, information processing method and information processing program - Google Patents

Description

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

In recent years, as a technology related to cashless payment, there is a payment system that uses a user's user terminal to make a payment with a physical store. As an example of such cashless payment, for example, there is a technology related to group payment in which bills are created by members and payments are made among members based on the bills (see Patent Document 1, for example).

Japanese Patent No. 5568560

However, in the prior art, for example, there has been an improvement in facilitating split bill settlement by a plurality of members.

SUMMARY OF THE INVENTION It is an object of the present invention to provide an information processing device, an information processing method, and an information processing program that can facilitate splitting the bill in cashless payment.

To solve the above-described problems and achieve the object, an information processing apparatus according to the present invention includes a reception unit, a generation unit, and a payment processing unit. The reception unit receives a payment request regarding group payment in which a plurality of members settles a payment. The generation unit generates a one-time code addressed to the representative based on the payment request received by the reception unit. The payment processing unit performs payment processing from the accounts of each of the plurality of members when payment is made by the representative based on the one-time code generated by the generation unit.

ADVANTAGE OF THE INVENTION According to this invention, splitting the bill in cashless payment can be facilitated.

FIG. 1 is a diagram illustrating an overview of information processing according to the embodiment. FIG. 2 is a block diagram illustrating an example of the configuration of the information processing apparatus according to the embodiment; 3 is a diagram illustrating an example of information stored in a personal account information storage unit according to the embodiment; FIG. FIG. 4 is a diagram illustrating an example of information stored in a store account information storage unit according to the embodiment; FIG. 5 is a diagram illustrating an example of a group settlement acceptance screen according to the embodiment. FIG. 6 is a schematic diagram illustrating an example of consent based on location information according to the embodiment. FIG. 7 is a schematic diagram showing an example of settlement processing according to the embodiment. FIG. 8 is a diagram illustrating an example of an invoice screen according to the embodiment; FIG. 9 is a flowchart illustrating an example of information processing according to the embodiment; FIG. 10 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing apparatus according to the embodiment.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment.

[Embodiment]
[1. information processing]

As shown in FIG. 1 , the provision processing system according to the embodiment includes an information processing device 10 , a user terminal 50 and a shop terminal 30 . The information processing device 10, the user terminal 50, and the store terminal 30 are connected by wire or wirelessly via a network so as to be able to communicate with each other. The network is, for example, a WAN (Wide Area Network) such as the Internet. The provision processing system shown in FIG. 1 may include a plurality of information processing apparatuses 10, a plurality of user terminals 50, and a plurality of shop terminals 30. FIG.

An information processing apparatus 10 illustrated in FIG. 1 is an information processing apparatus that executes information processing according to an embodiment, and is realized by a server device, a cloud system, or the like. For example, the information processing device 10 provides an electronic payment service related to electronic payment using the user terminal 50 . For example, the information processing device 10 manages the account of the provider (business operator) of the transaction object and the account of the user to whom the transaction object is provided. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

A user terminal 50 shown in FIG. 1 is an information processing device used by a user. The user terminal 50 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Also, the user terminal 50 displays information delivered by the information processing apparatus 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the user terminal 50 is a smart phone.

A store terminal 30 shown in FIG. 1 is an information processing device used by a business operator who provides a transaction target to a user. The store terminal 30 is implemented by, for example, a POS (Point of Sales) terminal, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the store terminal 30 displays information distributed by the information processing device 10 using a web browser or an application.

When the user terminal 50 and the store terminal 30 receive control information for realizing predetermined information processing from the information processing device 10, the user terminal 50 and the store terminal 30 realize information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the information processing device 10 may be regarded as the control information.

[1-1. Payment using user terminal]
Here, prior to information processing executed by the information processing apparatus 10, an example of payment (electronic payment) using the user terminal 50 will be described. For example, when the user U1 performs payment accompanying the use or purchase of payment objects (transaction objects) such as various products and services at a store, the user U1 activates a payment application pre-installed in the user terminal 50 .

For example, the user terminal 50 displays user identification information for identifying the user U1 on the screen. In such a case, the store terminal 30 installed in the store reads the user identification information displayed on the user terminal 50, and reads the user identification information (or information indicated by the user identification information, that is, information indicating the user U1 (for example, , user ID)), the amount of payment, and information for identifying the store are transmitted to the information processing apparatus 10 . In such a case, the information processing apparatus 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the shop indicated by the shop identification information. The information processing device 10 then transmits a notification to the user terminal 50 that the payment has been completed. In such a case, the user terminal 50 notifies that the payment has been made with electronic money by outputting a screen or a predetermined voice indicating that the payment has been completed.

Note that the settlement using the user terminal 50 is not limited to the processing described above. The user U1 decides to make a payment using the user terminal 50 using a two-dimensional code (QR code (registered trademark)) placed in the store and indicating store identification information for identifying the store. may Note that the two-dimensional code may be a barcode, a predetermined mark, a number, or the like.

User U1 captures store identification information installed in the store via the payment application of user terminal 50 . In such a case, the user terminal 50 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or the store clerk. Then, the user terminal 50 receives user identification information for identifying the user U1, and store identification information (or information indicated by the store identification information, namely information indicating the store (or store operator) (for example, store ID)). and the payment amount to the information processing device 10 .

In such a case, the information processing apparatus 10 transfers the amount of electronic money indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the shop indicated by the shop identification information. The information processing device 10 then transmits a notification to the user terminal 100 that the payment has been completed. In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, the settlement using the user terminal 50 is not only the process of transferring electronic money from the account charged with electronic money in advance by the user U1 to the account of the store, but also the credit card registered in advance by the user U1, for example. It can be payment. In such a case, for example, the user terminal 50 transfers electronic money for the settlement amount to the account of the store, and requests the credit card management company (card company) of user U1 for the settlement amount. good.

[1-2. Overview of Embodiment]
For example, when users U1, U2, and U3 eat together and individually pay their bills by electronic settlement using the user terminal 50, for example, the users U1, U2, and U3 each use the store terminal 30 or a store clerk. and it takes more time than when one user pays all at once.

Therefore, in the information processing according to the embodiment, for example, group settlement is introduced, in which settlement processing is performed from a plurality of personal accounts using one one-time code. Specifically, information processing apparatus 10 receives, for example, a payment request for group payment from user terminal 50 of user U1 who is the representative of users U1, U2, and U3 (step S01).

For example, the user U1 uses the user terminal 50 to create a settlement group in which the user IDs of the users U2 and U3 are associated, and determines the split bill ratio for each member of the created group.

For example, information processing device 10 receives a payment request including information on the user ID of each group member and the split bill ratio. Subsequently, the information processing device 10 generates a one-time code Cd based on the payment request (step S02).

For example, the one-time code Cd is a QR code that indicates the split ratio of each group member. The example shown in FIG. 1 indicates that the split bill ratio for user U1 is 50%, and the split bill ratio for users U2 and U3 is 25%. Note that the one-time code Cd may indicate the payment amount of each group member. For example, the information may indicate that users U2 and U3 each pay 2,000 yen and user U1 pays the remaining payment amount. , U3 will pay evenly.

After generating the one-time code Cd, the information processing device 10 transmits the generated one-time code Cd to the user terminal 50 of the user U1 who is the representative of the group (step S03).

The store terminal 30 acquires the code information indicated by the one-time code Cd by reading the one-time code Cd displayed on the user terminal 50 of the user U1 who is the representative (step S04). Subsequently, the store terminal 30 attaches amount information regarding the billed amount (payment amount) to the code information acquired from the one-time code Cd, and transmits the information to the information processing apparatus 10 (step S05).

Subsequently, the information processing device 10 performs settlement processing based on the code information and amount information acquired from the shop terminal 30 (step S06). For example, the information processing device 10 calculates the payment amount of each member according to the split payment ratio, and transfers the calculated payment amount from the personal account of each corresponding member to the store account, thereby completing the settlement process. conduct.

Then, for example, when the payment processing is completed, the information processing device 10 notifies the user terminal 50 of each member of the details of the payment. For example, the payment details may include information on the billed amount, the payment amount of each member, and information on whether or not a coupon is applied, for example. It may also include information on points awarded for each member's payment.

In this way, the information processing apparatus 10 according to the embodiment generates a one-time code Cd that makes payments from the accounts of multiple people with one one-time code. Thereby, in the information processing apparatus 10 according to the embodiment, it is possible to easily split the bill in cashless payment. In addition, "settlement" in the present application is not limited to what the user makes in consideration for the provision of various goods or services, for example, simple fund transfer such as remittance between individuals, that is, payment of goods or services It is a concept that includes exchanges of funds that are not compensation for provision. In other words, the group settlement in the present application is a concept that includes not only fund transfer performed as consideration for something, but also processing related to simple fund transfer that is not consideration.

[2. Configuration example of information processing device]
Next, a configuration example of the information processing apparatus 10 according to the embodiment will be described using FIG. FIG. 2 is a block diagram showing a configuration example of the information processing device 10 according to the embodiment. As shown in FIG. 2, the information processing apparatus 10 according to the embodiment includes a communication section 110, a control section 120, and a storage section .

Communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 uses networks such as various wireless communication networks such as 4G (Generation), 5G, LTE (Long Term Evolution), WiFi (registered trademark) or wireless LAN (Local Area Network), or various wired communication networks. Information is sent and received to and from an external device via the network.

Storage unit 130 is implemented by, for example, a semiconductor memory device such as a RAM or flash memory, or a storage device such as a hard disk or optical disk. The storage unit 130 also has a personal account information storage unit 131 and a shop account information storage unit 132 .

The personal account information storage unit 131 is a storage unit that stores information about each user U's account. FIG. 3 is a diagram showing an example of information stored in the personal account information storage unit 131 according to the embodiment.

As shown in FIG. 3, for example, the personal account information storage unit 131 associates items such as "user ID", "account number", "cash balance", "point balance", and "transaction history" with each other. memorize.

"User ID" is an identifier for identifying the user U. "Account number" is the number of the account opened for user U. The "cash balance" indicates the balance of the corresponding account that can be handled as cash, and the "point balance" indicates the point balance of the corresponding account. It should be noted that, for example, 1 point is traded at a value equivalent to 1 yen.

"Transaction history" is the history of transactions of the corresponding account. For example, the transaction history includes information on the date and time of deposit or withdrawal, amount or points, destination of deposit or withdrawal, and the like. In addition, the personal account information storage unit 131 may store personal information such as user U's name, age, address, my number, etc., and information related to coupon information owned by user U. Also, for example, only accounts registered with My Number may be subject to participation in the above-described group settlement. Also, the coupon information may be, for example, a discount, or may be a point redemption rate or cashback.

Returning to the description of FIG. 2, the store account information storage unit 132 will be described. The store account information storage unit 132 stores various information related to store accounts. FIG. 4 is a diagram showing an example of information stored in the store account information storage unit 132 according to the embodiment.

In the example shown in FIG. 4, the store account information storage unit 132 stores items such as "store ID", "account number", "balance", and "transaction history" in association with each other. "Store ID" is an identifier for identifying a store. "Account number" is the number of the account opened for the corresponding store. Since the store account is usually used as a deposit account, the account number here may be, for example, the bank account number of the store. "Balance" indicates the balance of the corresponding account, and "Transaction History" indicates the transaction history of the account.

Returning to the description of FIG. 2, the control unit 120 will be described. The control unit 120 is, for example, a controller, and a CPU (Central Processing Unit), MPU (Micro Processing Unit), or the like allows various programs stored in a storage device inside the information processing apparatus 10 to use the RAM as a work area. It is realized by executing as Also, the control unit 120 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 2, the control unit 120 has a reception unit 121, a generation unit 122, a payment processing unit 123, and a notification unit . The accepting unit 121 accepts a payment request relating to group payment in which a plurality of members make a payment.

For example, the reception unit 121 receives a payment request from the user terminal 50 of the user U who is the representative of the group, with a plurality of users U as one group. The accepting unit 121 then passes information on the payment request to the generating unit 122 .

For example, the representative of the group operates the user terminal 50 to generate a settlement request including group information in which the user IDs of the members are associated with each other and ratio information indicating the ratio of splitting the bill for each member.

For example, the representative of the group operates the user terminal 50 to invite each user U to participate in the group payment. Associate.

Then, the receiving unit 121 may receive a payment request for making the user U who has accepted the group payment a member of the group payment. FIG. 5 is a diagram illustrating an example of a group settlement acceptance screen according to the embodiment.

For example, as shown in FIG. 5, when Mr. A who is the representative invites other members to the group for group settlement, the other member's user terminal 50 displays, for example, "Mr. A makes group settlement. An invitation has been sent.Do you want to accept it?” is displayed in text.

For example, the invited member approves the group payment by pressing an approval button displayed on the user terminal 50 . For example, Mr. A, who is the representative, operates the user terminal 50 and notifies the information processing device 10 of a payment request after obtaining approval from all the members.

As a result, the group settlement is performed after each member has consented to it, so it is possible to prevent unauthorized use of the group settlement. In addition, in inviting members, for example, a QR code for invitation may be displayed on the user terminal 50 of Mr. A, who is the representative, and the other members may read it with their own user terminals 50. . As another example, Mr. A, who is the representative, may use SNS, a message application, or the like to send the URL for invitation to the user terminals 50 of other members.

Further, the receiving unit 121 may receive a payment request for making a user present within a predetermined range of the representative a member of the group payment. For example, the group representative's user terminal 50 may determine whether or not to invite the group payment based on the location information of each user U (the user terminal 50 of each user U).

FIG. 6 is a schematic diagram illustrating an example of consent based on location information according to the embodiment. For example, when the user terminal 50 of Mr. A, who is the representative, transmits an invitation for group payment to the user terminals 50 of other users U (here, Mr. B and Mr. C), Location information is acquired from the terminal 50 .

For example, the user terminal 50 of Mr. A, who is the representative, may allow an invitation for group settlement when each member is present within a predetermined range R from Mr. A. In other words, users U existing outside the predetermined range R may be restricted from being invited for group settlement.

As a result, for example, by not allowing user U who is not with Mr. A to participate in the group payment, it is possible to prevent unauthorized use of the group payment.

Note that the acceptance unit 121 may be used to approve the group settlement based on the location information, which is performed by the user terminal 50 of the representative. For example, the receiving unit 121 approves the group settlement of each member when each member exists within the predetermined range R of Mr. A based on the location information of each member received together with the settlement request.

Also, for example, Mr. C may leave in the middle of a drinking party. Therefore, for example, the reception unit 121 may acquire the position information of each member within a predetermined period and approve the group settlement of each member.

Further, the reception unit 121 may separately inquire whether or not members whose location information deviates from the predetermined range R participate in the group payment.

Returning to the description of FIG. 2, the generation unit 122 will be described. The generation unit 122 generates a one-time code Cd addressed to the representative based on the payment request received by the reception unit 121 .

As described above, the payment request includes the user ID of each member of the group payment and the information on the ratio of splitting the bill. Generate code Cd.

That is, the one-time code Cd contains information in which the user ID of each member is associated with the split bill ratio. After generating the one-time code Cd, the generator 122 transmits the one-time code Cd to the user terminal 50 of the representative. The representative here is the member who sent the payment request, but the one-time code Cd may be sent to the user terminal 50 of any member. That is, the user U who makes the payment request and the user U who receives the one-time code Cd may be different persons.

Based on the one-time code Cd generated by the generating unit 122, the settlement processing unit 123 performs settlement processing from the accounts of each of the members when the representative makes a settlement.

For example, when payment is made at a store using the one-time code Cd generated by the generation unit 122 , code information and amount information are transmitted from the store terminal 30 to the information processing device 10 .

The settlement processing unit 123 performs settlement processing based on the code information and amount information transmitted from the store terminal 30 . For example, the code information includes user IDs of members who make group payments, information on split bill ratios, and information on shop IDs for identifying shops. In addition, the amount information includes information on the payment amount to be paid at the store.

The payment processing unit 123 performs payment processing based on these pieces of information. FIG. 7 is a schematic diagram showing an example of settlement processing according to the embodiment. The example shown in FIG. 7 shows a case where the total payment to be paid to the store is 10,000 yen, the ratio of splitting the bill for Mr. A is 50%, and the ratio of splitting the bill for Mr. B and Mr. C is 25%.

In this case, the settlement processing unit 123 transfers 5000 yen, which is 50% of the total payment amount, from Mr. A's personal account to the store account, and transfers 2500 yen, which is 25% of the total payment amount, from Mr. B's and Mr. C's personal accounts. Transfer to store account.

As a result, an amount corresponding to the splitting ratio of each member will be deposited into the store account. At this time, the settlement processing unit 123 may perform settlement processing using, for example, not only the cash balance but also the point balance in each member's personal account. In addition, the settlement processing unit 123, for example, temporarily transfers the payment amount from each member's personal account to the personal account of the representative (for example, Mr. A), and then transfers the payment amount from the representative's personal account to the store account. may be moved.

Further, for example, the payment processing unit 123 may perform payment processing after determining whether or not to apply the coupon information associated with each user ID. For example, the payment processing unit 123 determines whether the coupon information application condition corresponds to the current payment, and if there is a coupon that corresponds to the current payment, the coupon information is applied. good.

At this time, for example, the coupon information may be applied to the total payment amount (here, 10,000 yen), or it may be applied to the individual payment amount (for example, only Mr. B who has the coupon information). may

Moreover, the settlement processing unit 123 may cancel the group settlement when the account balance of any member's personal account is insufficient during the settlement processing. In this case, for example, the payment processing unit 123 may transmit an error code indicating that the balance of the member is insufficient to the user terminal 50 and the store terminal 30 of the representative.

In addition, for example, the settlement processing unit 123 can perform advance settlement in which, when the account balance of any member's personal account is insufficient, the amount of the shortfall is paid from the personal account of another member. can be

In this case, for example, the settlement processing unit 123 may perform settlement on behalf of the representative using the account balance of the representative, or may make settlement on behalf of each of the members designated by the representative at a predetermined rate. You may decide to do

For example, the payment processing unit 123 may issue a bill to the user terminal 50 of the member who has paid the payment on behalf of the user. FIG. 8 is a diagram illustrating an example of an invoice screen according to the embodiment; In the example shown in FIG. 8, for example, Mr. A who is the representative shows a case where 1000 yen is paid in advance.

For example, on the user terminal 50 of the member who has received payment from Mr. A, a notice stating, "This payment has been paid for by Mr. A. Please deposit the money into the account balance and pay the advance payment." is displayed.

When the member presses the "Deposit" button, for example, the screen transitions to a deposit screen for depositing money from a linked bank account or linked credit card to a personal account, and money can be transferred to the personal account. In addition, the invoice screen shown in FIG. 8 may be changed to a reservation screen for making a payment reservation for payment on a specified date, for example.

For example, in this case, the member can designate payday as the payment date. Then, the settlement processing unit 123 completes the settlement processing by, for example, remitting the advance payment to Mr. A's personal account on the specified deposit date.

Regarding payment on behalf of the member, payment in installments may be selected. In this case, for example, the user terminal 50 of each member may be notified that the personal account of a predetermined member has an insufficient balance, and designation of donations may be accepted from each member.

Returning to the description of FIG. 2, the notification unit 124 will be described. When the payment processing unit 123 completes the payment between the accounts, the notification unit 124 notifies the user terminal 50 of each member of the completion of payment.

For example, the notification unit 124 generates a payment completion notification (hereinafter referred to as payment notification) based on the payment details from the payment processing unit 123, and notifies the user terminal 50 of each member who performed the group payment.

For example, the payment notice includes various information such as the amount paid by each member who made the group payment (or the split bill ratio), the store ID, the points earned by this payment, and the applied coupon information. Also, the payment notification may include store advertisements, store profit information (for example, coupons that can be used next time), and the like.

[3. Processing flow]
Next, an example of a processing procedure executed by the information processing apparatus 10 according to the embodiment will be described with reference to FIG. 7 . FIG. 7 is a flowchart illustrating an example of information processing according to the embodiment. As shown in FIG. 7, the information processing device 10 first receives a payment request for group payment from, for example, the user terminal 50 of the representative (step S101).

Subsequently, the information processing device 10 generates a one-time code Cd based on the payment request (step S102). Subsequently, the information processing device 10 transmits the one-time code Cd to the user terminal 50 of the representative (step S103).

Subsequently, the information processing device 10 acquires payment information relating to payment using the one-time code Cd (step S104), and transfers electronic money from the personal account to the store account at a predetermined splitting ratio based on the payment information. Settlement processing is performed (step S105).

Subsequently, the information processing apparatus 10 notifies the user terminal 50 of each member of the group payment that the payment has been completed (step S106), and ends the process.

[4. Modification]
Although the information processing apparatus 10 according to the above-described embodiment has been described as accepting a payment request in which the split bill ratio is determined in advance, the information processing apparatus 10 is not limited to this. For example, the information processing device 10 may accept payment requests relating to members of a group payment, and may accept information on the split bill ratio after payment is made. Further, the split bill ratio may be changed later by designation by the user U after the payment is completed.

Also, in the above-described embodiment, the payment method in the case where the one-time code Cd displayed on the user terminal 50 is read by the store terminal 30 has been described, but the payment method is not limited to this. For example, the payment method may be of a type in which the user U or the store clerk inputs the amount to be paid after reading a QR code installed in the store with the user terminal 50 .

In this case, for example, after creating a payment group, the user U reads the QR code installed at the store and inputs the payment amount. In this case as well, the information processing device 10 can perform settlement processing using the individual accounts of the members based on the respective split bill ratios.

[5. effect〕
The information processing apparatus 10 according to the above-described embodiment includes a reception unit 121 that receives a payment request related to group payment in which a plurality of members make payments, and based on the payment request received by the reception unit 121, a one-time A generation unit 122 that generates a code, and a payment processing unit 123 that performs payment processing from the accounts of each of a plurality of members when payment is made by a representative based on the one-time code generated by the generation unit 122. Prepare. Therefore, according to the information processing apparatus 10 according to the embodiment, it is possible to easily split the bill in cashless payment.

In addition, the reception unit 121 according to the embodiment receives a payment request including information on the split bill ratio of each of a plurality of members, and the generation unit 122 generates a one-time code for settlement according to the split bill ratio, and performs payment processing. The unit 123 performs settlement processing from the accounts of each of the plurality of members based on the split bill ratio. Therefore, according to the information processing apparatus 10 according to the embodiment, it is possible to easily split the bill in cashless payment.

In addition, the settlement processing unit 123 according to the embodiment performs settlement on behalf of the group, when the balance of any one of the accounts of a plurality of members is insufficient. Therefore, according to the information processing apparatus 10 according to the embodiment, settlement is completed even if any member has insufficient balance.

Also, the payment processing unit 123 according to the embodiment performs payment on behalf of the representative's account. Therefore, according to the information processing apparatus 10 according to the embodiment, settlement is completed even if any member has insufficient balance.

In addition, the payment processing unit 123 according to the embodiment, when paying on behalf of the member, charges the member for the amount paid by the other member. Therefore, according to the information processing apparatus 10 according to the embodiment, it is possible to simplify the refund operation of refunding the amount paid in advance.

Moreover, the payment processing unit 123 according to the embodiment stops the payment processing when the balance of any one of the accounts of the plurality of members is insufficient. Therefore, according to the information processing apparatus 10 according to the embodiment, settlement processing can be performed within the range of each member's account balance.

Further, the receiving unit 121 according to the embodiment receives a payment request for making the user U who has accepted the group payment a member of the group payment. Therefore, according to the information processing device 10, it is possible to prevent unauthorized use of group payment.

Further, the accepting unit 121 according to the embodiment accepts a payment request from the representative to designate users U existing within the predetermined range R as members of the group payment. Therefore, according to the information processing device 10, it is possible to prevent unauthorized use of group payment.

In addition, the payment processing unit 123 according to the embodiment deposits money from each of the accounts of the plurality of members to the store's account as payment processing. Therefore, according to the information processing apparatus 10 according to the embodiment, since the payment amount is deposited to the store in real time, it is possible to improve convenience on the store side.

The information processing apparatus 10 according to the embodiment also includes a notification unit 124 that notifies the user terminal 50 of each member of the completion of payment when the payment processing unit 123 completes the payment between the accounts. Therefore, according to the information processing apparatus 10 according to the embodiment, all the group members can confirm the details of the payment, so that the transparency of the group payment can be ensured.

[6. Hardware configuration]
Also, the information processing apparatus 10 according to the above-described embodiments is implemented by a computer 1000 configured as shown in FIG. 10, for example. FIG. 10 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing apparatus 10 according to the embodiment. Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1300 or HDD 1400 and controls each section. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from other devices via network (communication network) N, sends the data to CPU 1100, and transmits data generated by CPU 1100 to other devices via network N. FIG.

Through an input/output interface 1600, the CPU 1100 connects an output device such as a display and a printer, and an input device such as a keyboard and a mouse (in FIG. 10, the output device and the input device are collectively referred to as the "input/output device") ). CPU 1100 acquires data from an input device via input/output interface 1600 . CPU 1100 also outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the information processing apparatus 10 according to the embodiment, the CPU 1100 of the computer 1000 implements the functions of the control unit 120 by executing programs loaded on the RAM 1200 . The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired via the network N from another device.

As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

[7. others〕
Further, among the processes described in the above embodiments and modifications, all or part of the processes described as being performed automatically can be performed manually, or described as being performed manually. All or part of the processing can also be performed automatically by a known method. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Also, the above-described embodiments and modifications can be appropriately combined within a range that does not contradict the processing content.

Also, the above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the receiving unit 121 can be read as receiving means or a receiving circuit.

10 information processing device 30 store terminal 50 user terminal 121 reception unit 122 generation unit 123 payment processing unit 124 notification unit 131 personal account information storage unit 132 store account information storage unit U user Cd one-time code

Claims (12)

An information processing device that performs payment processing based on information obtained by reading a one-time code displayed on a user terminal of a user by a store terminal installed in the store,
a reception unit that accepts payment requests related to group payments made by multiple members;
A generation unit that generates a one-time code that associates the identification information of each of the members with the payment details of each of the plurality of members based on the payment request received by the reception unit, and transmits the code to a representative. and,
Identification of each of the plurality of members included in the one-time code information transmitted from the store terminal after the one -time code displayed on the user terminal of the representative is read by the store terminal An information processing apparatus, comprising: a payment processing unit that performs payment processing from the accounts of each of the plurality of members in accordance with information and payment details of each of the plurality of members. The reception unit
Receiving the payment request including information about the splitting ratio of each of the plurality of members;
The generating unit
generating the one-time code for settlement according to the split bill ratio;
The payment processing unit
2. The information processing apparatus according to claim 1, wherein settlement processing is performed from the accounts of each of the plurality of members based on the split bill ratio. The payment processing unit
3. The information processing apparatus according to claim 2, wherein when the balance of any one of the accounts of the plurality of members is insufficient, advance settlement is performed in which payment is made on behalf of the group. The payment processing unit
4. The information processing apparatus according to claim 3, wherein said payment is made from said representative's account. The payment processing unit
5. The information processing apparatus according to claim 3 or 4, wherein when the payment is made on behalf of the member, the amount paid by another member is billed to the member for whom the payment was made. The payment processing unit
3. The information processing apparatus according to claim 1, wherein the payment processing is stopped when the balance of any one of the accounts of the plurality of members is insufficient. The reception unit
7. The information processing apparatus according to any one of claims 1 to 6, wherein the payment request is accepted with the user who has accepted the group payment as a member of the group payment. The reception unit
8. The information processing apparatus according to any one of claims 1 to 7, wherein the payment request is accepted for making a user existing within a predetermined range from the representative the member of the group payment. The payment processing unit
9. The information processing apparatus according to any one of claims 1 to 8, characterized in that, as the settlement process, the account of each of the plurality of members is deposited into an account on the store side. 10. The information processing apparatus according to claim 9, further comprising a notification unit that notifies the terminal device of each of the members of the completion of payment when the payment processing unit completes the payment between the accounts. An information processing method in which a computer executes payment processing based on information obtained by reading a one-time code displayed on a user terminal of a user by a store terminal installed in the store,
a reception process for accepting payment requests related to group payments in which payments are made by a plurality of members;
A generation step of generating a one-time code in which the identification information of each of the members and the payment details of each of the plurality of members are associated with each other based on the payment request received by the reception step, and transmitting the code to a representative. and,
Identification of each of the plurality of members included in the one-time code information transmitted from the store terminal after the one-time code displayed on the user terminal of the representative is read by the store terminal An information processing method, comprising: a payment processing step of performing payment processing from the accounts of each of the plurality of members according to the information and the details of payment of each of the plurality of members. An information processing program for performing payment processing based on information obtained by reading a one-time code displayed on a user terminal of a user by a store terminal installed in the store,
A reception procedure for accepting payment requests related to group payments where payments are made by multiple members;
A generating procedure for generating a one-time code that associates the identification information of each of the members with the payment details of each of the plurality of members based on the payment request received by the receiving procedure, and transmitting the code to a representative. and,
Identification information of each of the plurality of members included in the one-time code information transmitted from the store terminal after the one-time code displayed on the user terminal of the representative is read by the store terminal and a payment processing procedure for performing payment processing from the accounts of the plurality of members in accordance with payment details of the plurality of members.

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