JP7481523B1 - Information processing device, information processing method, and information processing program - Google Patents

Abstract

[Problem] Fully conveying the intention of remittance. [Solution] The information processing device according to the present application has a reception unit, a display control unit, and a remittance control unit. The reception unit receives from the remitter the remittance amount, the recipient, and designation of content to be viewed by the recipient, via a payment application that provides a predetermined payment service via a terminal device. The display control unit displays the content via the payment application executed on the recipient's terminal device. The remittance control unit transfers electronic money in the amount of the remittance from an account linked to the remitter to an account linked to the recipient. [Selected Figure] Figure 1

Description

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

Conventionally, there are known technologies that provide added value when sending and receiving electronic money between users. One example of such a technology is a technology that displays images or other content according to a specific intention on the screen of a terminal device that receives electronic money sent with a specific intention.

JP 2022-15261 A

However, with the above conventional technology, the intention of the remittance may not be fully conveyed to the recipient user.

For example, in the above-mentioned conventional technology, the recipient user can check only the remitted amount on the screen of the terminal device and perform the receiving operation without fully viewing the content. This may result in the intention of the remittance expressed by the content not being fully conveyed.

The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can fully communicate the intention of remittance to the remittance destination user.

The information processing device according to the present application is characterized by having a reception unit that receives, from a remitter, a remittance amount, a recipient, and designation of content to be viewed by the recipient, via a payment application that provides a predetermined payment service via a terminal device; a display control unit that displays the content via the payment application executed on the recipient's terminal device; and a remittance control unit that transfers electronic money equivalent to the remittance amount from an account linked to the remitter to an account linked to the recipient.

According to one aspect of the embodiment, it has the effect of being able to fully convey the intention to remit.

FIG. 1 is a diagram illustrating an example of a remittance process according to an embodiment. FIG. 2 is a diagram illustrating an example of a screen of a terminal device according to the embodiment. FIG. 3 is a diagram illustrating an example of a screen of a terminal device according to the embodiment. FIG. 4 is a diagram illustrating an example of the configuration of the payment server according to the embodiment. FIG. 5 is a diagram illustrating an example of an account database according to the embodiment. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment. FIG. 7 is a diagram illustrating an example of a content database according to the embodiment. FIG. 8 is a flowchart illustrating an example of a procedure of a remittance process according to the embodiment. FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server.

Below, the information processing device, information processing method, and information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, information processing method, and information processing program according to the present application are not limited to these embodiments. In addition, the same components in the following embodiments will be denoted by the same reference numerals, and duplicated descriptions will be omitted.

1. Embodiment
The remittance process implemented by the information processing device of the present embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of the remittance process according to the embodiment. Note that in Fig. 1, the remittance process according to the embodiment is implemented by a settlement server 10, which is an example of the information processing device according to the present embodiment.

As shown in FIG. 1, the information processing system 1 according to the embodiment includes a payment server 10 and a terminal device 20. The payment server 10 and the terminal device 20 are connected to each other via a network N (see FIG. 3, for example) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a wide area network (WAN) such as the Internet. Note that the information processing system 1 shown in FIG. 1 may include multiple payment servers 10 and multiple terminal devices 20.

The payment server 10 shown in FIG. 1 is an information processing device that executes the remittance process according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payments using a terminal device 20. For example, the payment server 10 manages the accounts of providers of transaction objects and users to whom transaction objects are provided, and realizes various payments by transferring electronic money between accounts in accordance with a payment request from a user. Note that electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by a country, such as Japanese yen or dollars.

The terminal device 20 shown in FIG. 1 is an information processing device used by a user. The terminal device 20 is realized, for example, by a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), etc. Furthermore, the terminal device 20 displays information distributed by the payment server 10 using a web browser or an application.

In the example shown in FIG. 1, the terminal device 20 is a smartphone. In the example shown in FIG. 1, the terminal device 20 is described as terminal device 20-1 to 20-N (N is any natural number) depending on the user who uses the terminal device 20. For example, terminal device 20-1 is the terminal device 20 used by a user (user U1) identified by a user ID "U1". In the following, when there is no particular distinction between the terminal devices 20-1 to 20-N, they will be referred to as terminal device 20.

When the terminal device 20 receives control information for implementing a specified information processing from the payment server 10, the terminal device 20 implements the information processing in accordance with the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the specified application itself delivered from the payment server 10 may be regarded as the control information.

1-1. Payment using terminal device 20
Here, an example of a payment (electronic payment) using the terminal device 20 will be described prior to the remittance process executed by the payment server 10. In the following description, it is assumed that an application for electronic payment using the terminal device 20 (hereinafter, simply referred to as a "payment app"), which is an application distributed from the payment server 10, is installed in the terminal device 20. In addition, in the following description, an example will be described in which a user U1 makes a payment using the terminal device 20-1 using a two-dimensional code (QR code (registered trademark)) placed in a store and indicating store identification information that identifies the store, but the embodiment is not limited to this. The example of the payment described below can also be applied when an arbitrary user makes a payment at an arbitrary store using an arbitrary terminal device 20. In addition, the store identification information may be not only a QR code but also a barcode, a predetermined mark, a number, or the like.

For example, when user U1 makes a payment for the use or purchase of a payment object (transaction object) such as various products or services at a store, user U1 launches a payment app pre-installed on terminal device 20-1. User U1 then photographs the store identification information set up in the store via the payment app. In such a case, terminal device 20-1 displays a screen for inputting the price of the payment object and accepts input of the payment amount from user U1 or a store clerk. Terminal device 20-1 then transmits to payment server 10 payment information indicating user identification information that identifies user U1, store identification information (or information indicated by the store identification information, i.e., information indicating the store (e.g., store ID)), and the payment amount.

In such a case, the payment server 10 transfers electronic money in the amount indicated by the payment amount from the account of user U1 indicated by the user identification information to the account of the store indicated by the store identification information. The payment server 10 then sends a notification that the payment has been completed to the terminal device 20-1. In such a case, the terminal device 20-1 notifies that the payment has been made with electronic money by outputting a screen or a specified sound indicating that the payment has been completed.

Note that the payment using the terminal device 20 is not limited to the above-mentioned process. For example, the payment using the terminal device 20 may be made using a store terminal installed in a store. To give a specific example, the terminal device 20-1 displays user identification information for identifying the user U1 on a screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 20-1 and transmits payment information indicating the user identification information (or information indicated by the user identification information, i.e., information indicating user U1 (e.g., user ID)), the payment amount, and information identifying the store to the payment server 10. In such a case, the payment server 10 transfers electronic money in an amount indicated by the payment amount from the account of user U1 indicated by the user identification information to the store's account, and may notify the store terminal or terminal device 20-1 of the fact that the payment has been completed by outputting a screen or a predetermined sound indicating that the payment has been completed.

Furthermore, payment using the terminal device 20 may not only be a process of transferring electronic money from an account to which user U1 has previously charged electronic money to the store's account, but may also be, for example, a payment using a credit card that user U1 has previously registered. In such a case, for example, the terminal device 20 may transfer electronic money of the payment amount to the store's account and bill the management company of user U1's credit card for the payment amount.

Payment using the terminal device 20-1 may not only be a process of transferring electronic money from the account of user U1 to the account of a store, but may also be, for example, a payment of transferring electronic money from the account of user U1 to the account of another user (i.e., a transfer between users). For example, the terminal device 20-1 used by the sender user U1 reads user identification information identifying the recipient user (for example, user identification information displayed on the terminal device used by the recipient user), accepts input of the amount to be transferred from user U1, and transmits information indicating the read identification information, the amount to be transferred, and the user identification information identifying user U1 to the payment server 10. In such a case, the payment server 10 may transfer electronic money in an amount indicated by the amount to be transferred from the account of user U1 to the account of the recipient user, and notify the user that the transfer has been completed by outputting a screen or a predetermined sound indicating that the transfer has been completed on the terminal device 20-1 or the terminal device used by the recipient user.

Note that remittance using the terminal device 20 is not limited to the above-mentioned process. For example, remittance using the terminal device 20 may be performed by inputting the telephone number of the remittance destination user or information indicating the remittance destination user (e.g., a user ID) into the terminal device 20. As a specific example, the terminal device 20-1 accepts input of the remittance destination user's telephone number or user ID and the remittance amount from user U1, and transmits the input telephone number or user ID, the remittance amount, and user identification information identifying user U1 to the payment server 10. The payment server 10 then transfers electronic money in the amount indicated by the remittance amount from the account of user U1 to the account of the user linked to the transmitted telephone number or user ID.

The telephone number or user ID of the remittance destination user may be linked to information about the user and registered in advance in the payment app. In this case, terminal device 20-1 accepts from user U1 the designation of the user (remittance destination) registered in the payment app and the input of the amount to be remitted to that user, and transmits to payment server 10 the telephone number or user ID linked to the designated user, the remittance amount, and user identification information that identifies user U1.

For example, a remittance using the terminal device 20 may be performed by providing the remittance destination user with link information for receiving the remittance amount. As a specific example, the terminal device 20-1 accepts input of the remittance amount from user U1, generates link information for receiving the remittance amount, and provides the link information to the terminal device used by the remittance destination user by sending an email containing the link information or posting information containing the link information on a social networking service (SNS). Then, when the remittance destination user selects the link information and performs a receiving operation, the settlement server 10 transfers electronic money in the amount indicated by the remittance amount from the account of user U1 to the account of the remittance destination user.

1-2. Overview of the embodiment
When carrying out the remittance process, the settlement server 10 provides the receiver with content according to the intention of the remittance. At that time, the settlement server 10 provides the content in a manner that fully conveys the intention of the remittance. The remitter is the user who sends the remittance, and the receiver is the user who receives the remittance.

The following describes the remittance process executed by the payment server 10 with reference to FIG. 1. In the following description, the terminal device 20 may be regarded as the same as the user. In other words, in the following description, user U1 may also be read as terminal device 20-1.

First, the terminal device 20-1 calls up a remittance screen (step S10). For example, the terminal device 20-1 calls up the remittance screen by requesting the payment server 10 to provide information required for the remittance function via the payment app in response to an operation by the user U1. In addition, at this time, the terminal device 20-1 can call up the remittance screen after designating a recipient.

In response to a call from the terminal device 20-1, the payment server 10 provides a remittance screen including content information (step S20). For example, the remittance screen is a screen that allows the selection of a recipient, input of the remittance amount, and selection of content.

Then, the terminal device 20-1 transmits instructions regarding the electronic money recipient, the remittance amount, and the content to the payment server 10 (step S30). For example, the terminal device 20-1 transmits information specifying the content to be viewed by the recipient, together with the remittance amount, via a remittance screen provided by the payment server 10.

An example of a remittance screen is shown in Figure 2. Figure 2 shows an example of a screen of a terminal device according to an embodiment.

Screen C11 is the initial state of the remittance screen. In response to a call for the remittance screen, the payment server 10 causes the terminal device 20-1 to display screen C11.

Screen C11 may use, for example, a chat function provided in the payment app. The chat function is a function for sending and receiving text messages with a specified user. Screen C11 displays a list of users who have been pre-registered as recipients of text messages.

The receiver is selected on screen C11. In the example of FIG. 2, a user named "BB" is selected as the receiver. Then, when the receiver is selected and button B11 labeled "OK" is pressed, the payment server 10 causes the terminal device to display screen C12.

A text box TB11 is displayed on screen C12. The amount to be sent is entered in text box TB11. In the example of FIG. 2, "500" (unit: yen) is entered as the amount to be sent in text box TB11.

When the remittance amount is entered on screen C12, the payment server 10 causes the terminal device 20-1 to display screen C13. Screen C13 has a text box TB12, an area AR11 that displays a list of contents, and an area AR12 that displays the selected content.

A message from the sender to the receiver is entered in text box TB12. In the example of FIG. 2, the message "Have a coffee." is entered in text box TB12.

In area AR11, icons corresponding to each of a plurality of contents are displayed. In addition, when an operation such as a left-right swipe or drag is performed on area AR11, the payment server 10 moves the row of icons in a direction corresponding to the operation, thereby causing icons hidden outside the screen to be displayed in area AR11.

In addition, the selected icon is highlighted in area AR11. In the example of FIG. 2, the center icon of the five icons is selected, so the frame of the center icon changes from thin lines to thick lines.

The payment server 10 also displays in area AR12 the content corresponding to the icon selected in area AR11. The content is, for example, a moving image. The content may also include audio.

In the example of FIG. 2, the payment server 10 displays in area AR12 an animation (an example of a moving image) of steam rising from a cup of coffee. The payment server 10 also displays the provider of the content (here, "XY Coffee Shop") in the upper part of area AR12. The content may be provided by the provider to advertise products and services.

When the content is selected and the button B12 labeled "Transfer" is pressed, the payment server 10 proceeds to the next step (step S40 in FIG. 1).

Returning to FIG. 1, the payment server 10 notifies the terminal device 20-2 that a remittance instruction has been received (step S40). The payment server 10 can notify the terminal device 20-2 via a payment app installed in the terminal device 20-2.

The payment server 10 may also use a chat function to notify the user that a remittance instruction has been received. In this case, the payment server 10 displays a message indicating that a remittance instruction has been received on the chat screen of the terminal device 20-2, together with the message entered by the remitter.

Then, the terminal device 20-2 transmits to the payment server 10 whether or not to accept the remitted electronic money (step S50). User U2 can transmit information to the payment server 10 via the terminal device 20-2 indicating that he or she refuses to accept the electronic money. In this case, the processing from step S60 onwards is not performed.

If user U2 (terminal device 20-2) agrees to receive the electronic money, the payment server 10 provides the content to the terminal device 20-2 (step S60).

In step S40, the payment server 10 notifies the terminal device 20-2 that a remittance instruction has been received by displaying a receipt screen on the terminal device 20-2. An example of the receipt screen is shown in FIG. 3. FIG. 3 is a diagram showing an example of a screen of a terminal device according to an embodiment.

Screen C21 is the initial state of the receiving screen. The message, remittance amount, and content are not displayed on screen C21. In addition, the payment server 10 displays button B21 labeled "Accept" and button B22 labeled "Reject" on screen C21.

When button B21 is pressed, terminal device 20-2 notifies payment server 10 that receipt of the remitted electronic money has been approved. On the other hand, when button B22 is pressed, terminal device 20-2 notifies payment server 10 that receipt of the remitted electronic money has been rejected.

If receipt of electronic money is approved, the payment server 10 provides the content by displaying screen C22. The message, remittance amount, and content that were not displayed on screen C21 are displayed on screen C22.

Content is displayed in area AR21. The content displayed here is the content selected on the remittance screen. In the example of FIG. 3, the payment server 10 displays in area AR21 an animation (an example of a moving image) of steam rising from a cup into which coffee has been poured. The payment server 10 also displays the provider of the content (here, "XY Coffee Shop") in the upper part of area AR12. This causes an advertisement for XY Coffee Shop to be viewed by user U2.

Then, the payment server 10 transfers the electronic money balance from the remittance source account to the remittance destination account in response to the remittance instruction (step S70). For example, the payment server 10 executes a remittance process to transfer electronic money equivalent to the remittance amount from the account of user U1 to the account of user U2.

In addition, the payment server 10 may automatically select content instead of receiving a content designation from the terminal device 20-1. For example, the payment server 10 selects content to be viewed by the recipient based on the remittance amount, message, attributes of the sender or recipient, the relationship between the sender and recipient, the payment history of the sender or recipient using the payment app, etc.

Here, it is assumed that the content is provided by the provider for the purpose of advertising products and services. In this case, the payment server 10 selects content that will increase the advertising effectiveness.

For example, the content shown in AR12 in FIG. 2 is an advertisement to encourage the purchase of coffee sold by the provider "XY Coffee Shop."

The payment server 10 stores information on multiple contents that are advertisements (hereinafter referred to as "advertising contents") in a database. The database includes information on the providers of each content and the advertising targets, information on the products or services that are the subject of the advertisement, etc. The payment server 10 also stores user attributes, relationships between users, and user payment history (products, amounts, etc.) in a database.

The payment server 10 may select one selected piece of content as the content to be viewed by the recipient, or may list multiple selected pieces of content and display them in area AR11 of screen C13.

For example, the payment server 10 selects one or more advertising contents from the database in which the price of the target product or service is close to the remittance amount entered in TB11 of screen C12.

For example, the payment server 10 selects, from among the advertising content contained in the database, advertising content associated with a keyword contained in the message entered in TB12 of screen C13. For example, the payment server 10 extracts the keyword "coffee" from the message "Have a cup of coffee." The payment server 10 then searches the database for advertising content associated with the keyword "coffee" and selects the resulting advertising content.

For example, the payment server 10 selects one or more advertising contents from the database whose target for the target product or service matches the attributes of the recipient. For example, if the attribute of the recipient is "male in his 20s," the payment server 10 selects advertising contents whose target for the target product or service is "male in his 20s." For example, if the attribute of the recipient is "student taking exams," the payment server 10 selects advertising contents whose target for the target product or service is "student taking exams."

For example, if the recipient has a history of purchasing "coffee" using a payment app, the payment server 10 selects advertising content associated with "coffee" as a product from among the advertising content contained in the database.

For example, if the relationship between the sender and the receiver is that of parent and child (where the sender is the parent and the receiver is the child), the payment server 10 selects advertising content in the database that targets "parents with children."

For example, if the payment server 10 has a history in the database of the receiver purchasing coffee using the payment app during a specified period in the past, the payment server 10 selects advertising content associated with "coffee" as a product from among the advertising content in the database.

[2. Configuration of the payment server]
Next, the configuration of the payment server 10 will be described with reference to Fig. 4. Fig. 4 is a diagram showing an example of the configuration of the payment server according to the embodiment. As shown in Fig. 4, the payment server 10 includes a communication unit 11, a storage unit 12, and a control unit 13.

(Regarding communication unit 11)
The communication unit 11 is realized by, for example, a network interface card (NIC), etc. The communication unit 11 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the terminal device 20 and the like.

(Regarding the storage unit 12)
The storage unit 12 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk, an optical disk, etc. As shown in FIG. 4, the storage unit 12 has an account database 121, a user information database 122, and a content database 123.

(Regarding the account database 121)
The account database 121 stores various information related to the accounts of users of electronic payment services. An example of information stored in the account database 121 will now be described with reference to Fig. 5. Fig. 5 is a diagram showing an example of an account database according to an embodiment. In the example of Fig. 5, the account database 121 has items such as "account ID", "user ID", and "account balance".

"Account ID" indicates identification information for identifying an account. "User ID" indicates identification information for identifying the owner (user) of the account. "Account balance" indicates the balance of the account owned by the user.

In other words, Figure 5 shows an example in which the owner of the account identified by the account ID "AID#1" is the user identified by the user ID "UID#1" and the account balance is "7800."

(Regarding the user information database 122)
The user information database 122 stores various information related to users of electronic payment services. An example of information stored in the user information database 122 will now be described with reference to Fig. 6. Fig. 6 is a diagram showing an example of a user information database according to an embodiment. In the example of Fig. 6, the user information database 122 has items such as "user ID", "payment history", "remittance history", and "attribute information".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using electronic payment services, and stores information such as the payment destination (business operator), payment object (transaction subject), and payment amount. "Remittance history" indicates the history of remittances made to other users using electronic payment services, and stores information such as the remittance destination (user) and remittance amount. "Attribute information" indicates information related to the user's attributes, and stores information indicating, for example, demographic attributes and psychographic attributes.

In other words, Figure 6 shows an example in which the payment history of a user identified by user ID "UID#1" is "Payment History #1", the remittance history is "Remittance History #1", and the attribute information is "Attribute Information #1".

(Regarding the content database 123)
The content database 123 stores various information related to content. An example of information stored in the content database 123 will be described with reference to Fig. 7. Fig. 7 is a diagram showing an example of a content database according to an embodiment. In the example of Fig. 7, the content database 123 has items such as "content ID", "provider information", and "target information".

"Content ID" indicates identification information for identifying the content. "Provider information" indicates information about the content provider. "Target information" indicates information about the attributes of users expected to receive the content.

In other words, Figure 7 shows an example in which the provider information of the content identified by the content ID "CID#1" is "provider information #1" and the target information is "target information #1."

(Regarding the control unit 13)
The control unit 13 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the payment server 10 using a RAM as a working area. The control unit 13 is also a controller, and is realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 4, the control unit 13 according to the embodiment has a reception unit 131, a display control unit 132, a remittance control unit 133, and a selection unit 134, and realizes or executes the functions and actions of information processing described below.

(Reception Unit 131)
The reception unit 131 receives from the remitter, via a payment application that provides a predetermined payment service via a terminal device, the remittance amount, the recipient, and designation of content to be viewed by the recipient (e.g., video images). For example, the reception unit 131 receives the designation of the remittance amount, the recipient, and the content via the remittance screen shown in FIG.

(Display control unit 132)
The display control unit 132 displays the content via a payment application executed on the terminal device of the recipient. For example, the display control unit 132 displays the content on the receipt screen of FIG.

The display control unit 132 may display the content when an operation to accept receipt of electronic money is performed on the receiver's terminal device. For example, the display control unit 132 displays the content when button B21 is pressed on the receipt screen in FIG. 3.

The display control unit 132 may display the remittance amount when an operation to accept receipt of electronic money is performed on the receiver's terminal device. For example, the display control unit 132 displays the remittance amount when button B21 is pressed on the receipt screen in FIG. 3.

(Remittance Control Unit 133)
The remittance control unit 133 transfers electronic money of the remittance amount from the account linked to the remitter to the account linked to the recipient (remittance process). For example, as shown in FIG. 1, the remittance control unit 133 executes the remittance process in response to approval from the recipient.

The remittance control unit 133 may also transfer electronic money after the content is displayed on the receiver's terminal device. For example, the remittance control unit 133 performs the remittance process after the playback of the content, which is a moving image, is completed on the receiving screen in FIG. 3.

(Selection Unit 134)
The selection unit 134 selects the content to be viewed by the recipient based on the remittance amount, a message from the remitter to the recipient, the attributes of the recipient stored in the database, the relationship between the remitter and the recipient stored in the database, or the history of payments using the recipient's payment application stored in the database. For example, the selection unit 134 automatically selects content based on the information stored in the user information database 122 and the content database 123, instead of the remitter's designation.

[3. Remittance Processing Flow]
Next, a procedure of a remittance process of the payment server 10 according to the embodiment will be described with reference to Fig. 8. Fig. 8 is a flowchart showing an example of the procedure of a remittance process according to the embodiment.

As shown in FIG. 8, first, the payment server 10 accepts a request for remittance processing (step S101). Next, the payment server 10 displays a remittance screen including content information on the remitter's terminal device 20-1 (step S102). Next, the payment server 10 accepts information identifying the recipient, remittance amount, and content (step S103). Next, the payment server 10 notifies the recipient's terminal device 20-2 that a remittance instruction has been received (step S104).

If the receiver agrees to receive the money (step S105, Yes), the payment server 10 displays the content on the receiver's terminal device 20-2 (step S106). The payment server 10 then executes the remittance process (step S107) and ends the process. If the receiver does not agree to receive the money (step S105, No), the payment server 10 ends the process without executing the remittance process.

4. Modifications
The above-described embodiment is merely an example, and various modifications and applications are possible.

[4-1. Advertising fees]
The settlement server 10 can calculate the advertising fee to be paid by the provider of the advertising content to the provider of the settlement application in response to the advertisement content being viewed by the recipient.

For example, the payment server 10 may determine the advertising fee when the advertising content is displayed on the receiving screen and the remittance process is performed thereafter. The payment server 10 may also set a higher advertising fee the larger the remittance amount. The payment server 10 may also set a higher advertising fee the larger the remittance amount. The payment server 10 may also set a higher advertising fee the more times the advertising content is viewed by the recipient.

[4-2. Processing mode]
Among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above text and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

Furthermore, the above-mentioned embodiments can be combined as appropriate to the extent that the processing content is not contradictory.

5. Effects
As described above, the payment server 10 according to the embodiment includes a reception unit 131, a display control unit 132, and a remittance control unit 133. The reception unit 131 receives the remittance amount, the recipient, and the designation of the content to be viewed by the recipient from the remitter via a payment application that provides a predetermined payment service via a terminal device. The display control unit 132 displays the content via the payment application executed on the recipient's terminal device. The remittance control unit 133 transfers electronic money equivalent to the remittance amount from an account linked to the remitter to an account linked to the recipient. This allows the remitter to remit money to the recipient and also allows the recipient to view the content, thereby fully conveying the intention of the remittance.

The display control unit 132 displays the content when an operation is performed on the receiver's terminal device to accept receipt of electronic money. This allows the payment server 10 to allow the receiver to view the content more reliably.

The display control unit 132 displays the remittance amount when an operation to accept the receipt of electronic money is performed on the receiver's terminal device. This causes the receiver to accept the receipt of electronic money, so that the payment server 10 can attract the receiver's attention to the payment application and allow the receiver to view the content more reliably.

The remittance control unit 133 transfers the electronic money after the content is displayed on the recipient's terminal device. This allows the payment server 10 to more reliably allow the recipient to view the content.

The display control unit 132 displays the moving image as content. This allows the payment server 10 to allow the recipient to intuitively understand the intent behind the content.

The payment server 10 further includes a selection unit 134. The selection unit 134 selects content to be viewed by the recipient based on the remittance amount, a message from the sender to the recipient, the attributes of the recipient stored in the database, the relationship between the sender and the recipient stored in the database, or the history of payments using the recipient's payment application stored in the database. This allows the payment server 10 to automatically reflect the intention of the remittance in the selection of content. Furthermore, if the content is an advertisement, the selection unit 134 can increase the advertising effect on the recipient.

6. Hardware Configuration
The payment server 10 according to each of the above-described embodiments is realized, for example, by a computer 1000 having a configuration as shown in Fig. 9. The payment server 10 will be described below as an example. Fig. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, a HDD 1400, a communication interface (I/F) 1500, an input/output interface (I/F) 1600, and a media interface (I/F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1200 or the HDD 1400, and controls each component. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, and programs that depend on the hardware of the computer 1000, etc.

HDD 1400 stores programs executed by CPU 1100 and data used by such programs. Communication interface 1500 receives data from other devices via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 to other devices via communication network 500.

The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse, via the input/output interface 1600. The CPU 1100 acquires data from the input devices via the input/output interface 1600. The CPU 1100 also outputs data generated via the input/output interface 1600 to the output devices.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the 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.

For example, when the computer 1000 functions as the payment server 10, the CPU 1100 of the computer 1000 executes a program loaded onto the RAM 1300 to realize the functions of the control unit 13. In addition, the HDD 1400 stores each piece of data in the storage device of the payment server 10. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, the CPU 1100 of the computer 1000 may obtain these programs from another device via a specified communication network.

[7. Other]
Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

The above-mentioned payment server 10 can also be flexibly configured to implement some functions by calling external platforms using APIs (Application Programming Interfaces) or network computing, etc.

In addition, the word "unit" in the claims can be read as "means" or "circuit," etc. For example, an acquisition unit can be read as an acquisition means or an acquisition circuit.

REFERENCE SIGNS LIST 10: Settlement server 11: Communication unit 12: Storage unit 13: Control unit 121: Account database 122: User information database 123: Content database 131: Reception unit 132: Display control unit 133: Remittance control unit 134: Selection unit

Claims (16)

a selection unit that automatically selects content to be viewed by the recipient based on a message from the remitter to the recipient ;
a reception unit which receives, via a payment application which provides a predetermined payment service via a terminal device, from the remitter , a remittance amount, the recipient , the message, and a designation of the content selected by the selection unit;
a display control unit that displays the message and the content via the payment application executed on the terminal device of the recipient;
a remittance control unit for transferring electronic money equivalent to the remittance amount from an account linked to the remitter to an account linked to the recipient;
13. An information processing device comprising: a selection unit that automatically selects content to be viewed by the recipient based on the attributes of the recipient stored in the database;
a reception unit which receives, via a payment application which provides a predetermined payment service via a terminal device, from a remitter, a remittance amount, the remittance recipient, and a designation of the content selected by the selection unit;
a display control unit that displays the content via the payment application executed on the terminal device of the receiver;
a remittance control unit for transferring electronic money equivalent to the remittance amount from an account linked to the remitter to an account linked to the recipient;
13. An information processing device comprising: a selection unit that automatically selects content to be viewed by the remitter based on the relationship between the remitter and the remitter stored in the database;
a reception unit that receives, via a payment application that provides a predetermined payment service via a terminal device, from the remitter a remittance amount, the remittance recipient, and a designation of the content selected by the selection unit;
a display control unit that displays the content via the payment application executed on the terminal device of the receiver;
a remittance control unit for transferring electronic money equivalent to the remittance amount from an account linked to the remitter to an account linked to the recipient;
13. An information processing device comprising: a selection unit that automatically selects content to be viewed by the receiver based on a history of the receiver's use of a payment application that provides a predetermined payment service via a terminal device and that is stored in a database;
a reception unit that receives, via the payment application, from a remitter, a remittance amount, the remittance recipient, and a designation of the content selected by the selection unit;
a display control unit that displays the content via the payment application executed on the terminal device of the receiver;
a remittance control unit for transferring electronic money equivalent to the remittance amount from an account linked to the remitter to an account linked to the recipient;
13. An information processing device comprising: 5. The information processing device according to claim 1, wherein the display control unit causes the content to be displayed when an operation for accepting receipt of electronic money is performed on the terminal device of the recipient. 5. The information processing device according to claim 1, wherein the display control unit displays the remittance amount when an operation for accepting receipt of electronic money is performed on the terminal device of the recipient. 5. The information processing apparatus according to claim 1, wherein the remittance control unit transfers the electronic money after the content is displayed on the terminal device of the recipient. The information processing apparatus according to claim 1 , wherein the display control unit causes a moving image to be displayed as the content. 1. A computer-implemented information processing method, comprising:
a selection step of automatically selecting content to be viewed by the recipient based on a message from the remitter to the recipient ;
a receiving step of receiving, from the remitter , a remittance amount, the remittance recipient, the message, and a designation of the content selected in the selection step, via a payment application that provides a predetermined payment service via a terminal device;
a display control step of displaying the message and the content via the payment application executed on the terminal device of the receiver;
a remittance control step of transferring electronic money of the remittance amount from an account linked to the remitter to an account linked to the recipient;
13. An information processing method comprising: 1. A computer-implemented information processing method, comprising:
a selection step of automatically selecting content to be viewed by the recipient based on the attributes of the recipient stored in the database;
a receiving step of receiving, via a payment application that provides a predetermined payment service via a terminal device, from a remitter a remittance amount, the remittance recipient, and a designation of the content selected in the selection step;
a display control step of displaying the content via the payment application executed on the terminal device of the receiver;
a remittance control step of transferring electronic money of the remittance amount from an account linked to the remitter to an account linked to the recipient;
13. An information processing method comprising: 1. A computer-implemented information processing method, comprising:
a selection step of automatically selecting content to be viewed by the receiver based on the relationship between the sender and the receiver stored in the database;
a receiving step of receiving, from the remitter, a remittance amount, the remittance recipient, and a designation of the content selected in the selection step, via a payment application that provides a predetermined payment service via a terminal device;
a display control step of displaying the content via the payment application executed on the terminal device of the receiver;
a remittance control step of transferring electronic money of the remittance amount from an account linked to the remitter to an account linked to the recipient;
13. An information processing method comprising: 1. A computer-implemented information processing method, comprising:
a selection step of automatically selecting content to be viewed by the receiver based on a history of the receiver's use of a payment application that provides a predetermined payment service via a terminal device and that is stored in a database;
a receiving step of receiving, via the payment application, from the remitter, a remittance amount, the recipient, and a designation of the content selected in the selection step;
a display control step of displaying the content via the payment application executed on the terminal device of the receiver;
a remittance control step of transferring electronic money of the remittance amount from an account linked to the remitter to an account linked to the recipient;
13. An information processing method comprising: a selection step of automatically selecting content to be viewed by the recipient based on a message from the sender to the recipient ;
a receiving step of receiving, from the remitter , a remittance amount, the remittance recipient, the message, and a designation of the content selected in the selection step, via a payment application that provides a predetermined payment service via a terminal device;
a display control step of displaying the message and the content via the payment application executed on the terminal device of the receiver;
a remittance control procedure for transferring electronic money of the remittance amount from an account linked to the remitter to an account linked to the recipient;
An information processing program characterized by causing a computer to execute the above. A selection step of automatically selecting content to be viewed by the recipient based on the attributes of the recipient stored in the database;
a receiving step of receiving, via a payment application that provides a predetermined payment service via a terminal device, from a remitter, a remittance amount, the remittance recipient, and a designation of the content selected in the selection step;
a display control step of displaying the content via the payment application executed on the terminal device of the receiver;
a remittance control procedure for transferring electronic money of the remittance amount from an account linked to the remitter to an account linked to the recipient;
An information processing program characterized by causing a computer to execute the above. a selection step of automatically selecting content to be viewed by the receiver based on the relationship between the sender and the receiver stored in the database;
a receiving step of receiving, via a payment application that provides a predetermined payment service via a terminal device, from the remitter, a remittance amount, the remittance recipient, and a designation of the content selected in the selection step;
a display control step of displaying the content via the payment application executed on the terminal device of the receiver;
a remittance control procedure for transferring electronic money of the remittance amount from an account linked to the remitter to an account linked to the recipient;
An information processing program characterized by causing a computer to execute the above. a selection step of automatically selecting content to be viewed by the receiver based on a history of the receiver's use of a payment application that provides a predetermined payment service via a terminal device and that is stored in a database;
a receiving step of receiving, via the payment application, from the remitter, a remittance amount, the remittance recipient, and a designation of the content selected in the selection step;
a display control step of displaying the content via the payment application executed on the terminal device of the receiver;
a remittance control procedure for transferring electronic money of the remittance amount from an account linked to the remitter to an account linked to the recipient;
An information processing program characterized by causing a computer to execute the above.

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