KR20190012653A - Method for providing messenger service and computer program for executing the method - Google Patents

Abstract

The present invention provides a method for providing a messenger service and a computer program which connect friend information with bond information. According to an embodiment of the present invention, a method for allowing a service providing device to provide a messenger service to a user terminal comprises the steps of: receiving a request for a friend list from the user terminal; and providing the friend information and the bond information by inquiring a friend of a user from an account database (DB) and inquiring the bond information of the user from a bond DB. The friend of the user is another user determined in a predetermined relationship with the account of the user. The bond information of the user is the bond information determined as a creditor or debtor.

Description

[0001] The present invention relates to a method and a computer program for providing a messenger service,

Embodiments of the present invention relate to a method and computer program for providing a messenger service.

The bond means the right of a creditor to claim a certain act on the debtor, such as 'pay money' or 'deliver the goods'. If the debtor does not voluntarily do the action, the creditor may bring a suit to the court and force it to do so.

The act of borrowing money from someone else in everyday life generates a bond, no matter how small. It is becoming more common to borrow a small amount of money between users with Dutch Fake activated. However, even though it is a tangible bond, it is easily forgotten due to the small amount of money, or it is forgotten because it is neglected for reasons such as filing a claim.

Embodiments of the present invention provide a messenger service providing method and a computer program that provide friend information and bond information in connection with each other.

An embodiment of the present invention includes: receiving a friend list request from a user terminal; And a step of inquiring the friend of the user in the account DB, inquiring the bond information of the user in the account DB, and providing the friend information and the bond information. The friend of the user, And the user's bond information is the bond information designated by the user as a creditor or a debtor.

Another embodiment of the present invention discloses a computer program stored on a medium for performing the above-described method using a computer.

Other aspects, features, and advantages will become apparent from the following drawings, claims, and detailed description of the invention.

These general and specific aspects may be implemented by using a system, method, computer program, or any combination of systems, methods, and computer programs.

According to the embodiments of the present invention, a messenger service for providing friend information and bond information in connection with each other is provided, so that it is possible to confirm at a glance which user has a bond relationship with a user. Furthermore, there is an effect that the existence of the bond can be continuously ventilated. Such a messenger service is provided to both the creditor and the debtor, so that even if the creditor does not act directly, the bond information is exposed to the debtor, which leads to a dunning effect.

1 schematically shows a service providing system according to an embodiment of the present invention.
2A is a block diagram schematically illustrating a service providing apparatus according to an embodiment of the present invention.
2B is a block diagram schematically illustrating a terminal control apparatus according to an embodiment of the present invention.
FIG. 3A is a flowchart illustrating a method of generating bond information according to an embodiment of the present invention.
FIG. 3B is an example of a screen displayed on the second user terminal that has received the consent request in step 32. FIG.
4A is a flowchart illustrating a messenger service according to an exemplary embodiment of the present invention.
4B is an example of a friend list screen displayed on the user terminal.
4D is another example of the friend list screen displayed on the user terminal.
4C is another example of the friend list screen displayed on the user terminal.
FIG. 4E is an example of a screen displayed on the user terminal when the first display element shown in FIG. 4D is selected.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. The effects and features of the present invention and methods of achieving them will be apparent with reference to the embodiments described in detail below with reference to the drawings. However, the present invention is not limited to the embodiments described below, but may be implemented in various forms.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or corresponding components throughout the drawings, and a duplicate description thereof will be omitted .

In the following embodiments, the terms first, second, and the like are used for the purpose of distinguishing one element from another element, not the limitative meaning. In the following examples, the singular forms "a", "an" and "the" include plural referents unless the context clearly dictates otherwise. In the following embodiments, terms such as inclusive or possessive are intended to mean that a feature, or element, described in the specification is present, and does not preclude the possibility that one or more other features or elements may be added. In the drawings, components may be exaggerated or reduced in size for convenience of explanation. For example, the size and thickness of each component shown in the drawings are arbitrarily shown for convenience of explanation, and thus the present invention is not necessarily limited to those shown in the drawings.

1 schematically shows a service providing system according to an embodiment of the present invention.

Referring to FIG. 1, a service providing system includes a server 10 for providing services and a user terminal 20 for receiving services. The communication network 30 and the arrows shown in Fig. 1 mean that the server 10 and the user terminal 20 can transmit / receive data via the communication network 30. Fig.

The user terminal 20 may be a PC, a smart phone, a tablet, a notebook, or the like, and may be connected to a web / mobile site related to the server 10 or a service dedicated application (hereinafter, Can be installed and executed. The user terminal 20 can perform a service-wide operation such as service screen configuration, data input, data transmission / reception, and data storage under the control of a connection of a web / mobile site or a service application. In FIG. 1, a first user terminal 21, a second user terminal 22 and a third user terminal 23 are illustrated as an example to explain that a plurality of user terminals 20 may exist. Each of the user terminals 20 can access the server 10 through the communication network 30 and use the bond management service.

The server 10 serves to provide one or more services to a user terminal 20 as a client. Basically, the server 10 can provide a bond management service. For example, the server 10 may store the bond information between the user terminals 20, and may provide the bond management service based on the bond information to the user terminal 20. The bond management service can refer to all services based on bond information among users such as bond creation, bond editing, bond inquiry, bond status indication, and bond status based notification.

The server 10 can provide a remittance service between users. The server 10 can provide a remittance service and a bond management service in cooperation with each other. The server 10 can provide a bond management service interlocked with a remittance service and can provide a remittance service interlocked with the bond management service.

The server 10 can provide a messenger service. The server 10 can provide a remittance service, a bond management service, and a messenger service in cooperation with each other. The server 10 may provide at least one of a remittance service and a debt management service and a messenger service in cooperation with each other.

In the following, the term "bond information" means information about the bond, which is the right of the creditor to demand payment to the debtor. The bond information may include creditor information, debtor information, and benefit information. In describing the embodiments of the present invention, an explanation will be given of an example in which the payment is money transfer (including transfer between accounts). The benefit information may include the amount of the bond, the timing of delivery, and information about interest.

Hereinafter, " user " may refer to a user terminal, " creditor " may refer to a creditor terminal, and " debtor "

2A is a block diagram schematically illustrating a service providing apparatus 100 according to an embodiment of the present invention.

The service providing apparatus 100 may be provided on the server 10 side.

Referring to FIG. 2A, the service providing apparatus 100 may include a storage device 210 for storing data and a processor 220 for processing data.

The storage device 210 includes an account DB 211 for storing login account information of users and information associated with a login account; And a bond DB 212 for storing bond information between users. In the account DB 211, information necessary for remittance, for example, financial account information associated with the login account of the user, can be stored.

The processor 220 may include a remitter 221 providing a remittance service, a bond manager 222 providing a bond management service, and a messenger manager 223 providing a messenger service.

The remitter 221 according to an embodiment processes remittance between user accounts. The remitter 221 receives the remittance request from the remitter terminal, and can process remittance from the remitter account to the remitter account in response to the remittance request. The remittance request may include the receiver account information and the remittance amount information. The remittance request may include authentication information, such as a password, for authenticating the sender account. The information included in the remittance request may be received simultaneously or sequentially.

The remitter 221 according to one embodiment can provide a remittance service linked to a messenger service. The remitter 221 can receive the remittance request from the user through the messenger application. For example, the user can designate the receiver through the messenger application, generate a remittance request to remit the remittee, and the remittance unit 221 can receive the remittance request.

Meanwhile, the remitter 221 may process remittance between log-in accounts subscribed to the service provided according to an embodiment of the present invention or may transfer money between accounts of other financial institutions stored corresponding to the login account , Login account, and account of another financial institution. The remittance-related embodiment by the remittance unit 221 described in this specification can be applied to both remittance between login accounts, remittance between financial institutions' accounts, and remittance environment between a login account and a financial institution account.

The bond management unit 222 according to an embodiment manages the bond information stored in the bond DB 212 and provides a bond management service.

The bond management unit 222 receives the bond creation request from the user, generates the bond information corresponding to the bond creation request, and stores the generated bond information in the bond DB 212. [ The bond information may include the benefit information, and the benefit information may further include the interest rate in addition to the bond amount. The bond creation request received from the user may include interest information, and the bond management unit 222 may set the interest rate of the bond information based on the interest information included in the bond creation request.

The bond creation request may include creditor information, debtor information, benefit information, and may be received from the creditor or debtor. When the bond creation request is received from the creditor, the bond management unit 222 can send a request for consent to the bond information to the debtor with reference to the debtor information, and can receive the agreement from the debtor. Conversely, when a bond creation request is received from the debtor, the bond management unit 222 can transmit a consent request for the bond information to the creditor by referring to the creditor information, and can receive the agreement from the creditor.

The bond management unit 222 can register the bond information with the consent of both the creditor and the debtor, both parties to the bond, as the party that transmitted the bond creation request can be regarded as agreeing to the bond information.

The bond management unit 222 can edit the bond information stored in the bond DB 212. [

The bond management unit 222 receives the reimbursement information from the user and can edit the bond information stored in the reimbursement DB 212 based on the reimbursement information. The reimbursement information may include the bond identification information for specifying the bond information, and the reimbursement contents (for example, the reimbursed amount). The bond management unit 222 may delete the amount of the redeemed amount from the amount of the bond, and may delete the redeemable amount if the amount of the redeemed amount is no longer available. The deletion of the bond may mean to completely delete the bond information from the bond DB 212, but is not limited thereto. For example, the bond management unit 222 may deactivate the bond information, but may leave the bond information in the bond DB 212 so that it can be inquired later.

Meanwhile, the bond identification information of the reimbursement information can be replaced with the information of the other user. In this case, the bond management unit 222 can inquire the bond information existing between the first user who is the user who transmitted the settlement information and the second user included in the settlement information, and edit the bond information by referring to the settlement contents. In this process, the bond management unit 222 may request the first user to select which of the one or more pieces of bond information to be edited, and edit the bond information selected by the first user.

When the bond management unit 222 receives the settlement information from the first user, the bond management unit 222 may transmit a consent request to the second user, which is the party of the settlement target bond and the counterpart of the first user. The consent request may include information corresponding to the reimbursement information received from the first user. For example, information on a reimbursable bond, and reimbursement contents. The bond management unit 222 can edit the bond information after receiving the consent of the second user.

The creditor information and the debtor information described above may include login account information subscribed to a service provided according to an embodiment of the present invention. If both the creditor information and the debtor information include the login account information, the bond management unit 222 provides the other service provided according to an embodiment of the present invention, for example, a bond management service linked to a remittance service and / or a messenger service can do.

The bond management unit 222 can provide a bond management service linked to the remittance service. The bond management unit 222 can suggest a bond creation and / or bond editing to the user based on the remittance history.

The bond management unit 222 can provide a bond management service linked to the messenger service. The user can designate the other party through the messenger application, and transmit the bond creation request between the designated party and the partner to the bond management unit 222. [

A messenger management unit 223 according to an embodiment provides a messenger service between users.

Users subscribed to a service provided according to an embodiment of the present invention can specify a predetermined relationship with another user and can use a messenger service capable of exchanging messages with another user specified in a predetermined relationship. The relationship between the users can be stored in the account DB 211. [ Hereinafter, the predetermined relationship is referred to as " friend " for the sake of convenience. That is, the user can use the messenger service provided by the messenger management unit 223 to exchange messages with other users designated as friends.

The messenger management unit 223 can provide the friend list through the service application. The messenger management unit 223 can receive the friend list request from the user terminal and inquire the account designated as the friend of the user in the account DB 211. [ According to an example, the messenger management unit 223 can transmit the information of the friend account that has been displayed to the user terminal, and the user terminal uses the friend account information received from the messenger management unit 223 to configure the friend list as a screen, can do. According to another example, the messenger management unit 223 can directly construct a friend list using the inquired friend account information and provide the friend list to the user terminal. Embodiments in which the messenger management unit 223 provides a friend list may be implemented through one or more of the above-mentioned two implementations.

The buddy list may include one or more panels that can briefly display the information of each user designated as buddies. One panel can correspond to one user and can display information of one user. In the panel, a user name (or nickname) that can identify the user can be displayed by default. It may be replaced with a photograph that identifies the user. The panel may further display texts (status messages, etc.) directly input by the user.

According to one embodiment of the present invention, the friend list provided by the messenger management unit 223 includes the bond information with the friend. For example, if the messenger management unit 223 provides the first user with a friend list, and the friend of the first user includes the second user, the friend list includes the bond information between the first user and the second user.

According to one embodiment, the panel included in the buddy list may include a display element that can represent the bond information with each user. The display element provides information about bond information that exists between a friend and a friend. For example, the display element may include one or more icons.

According to one example, the display element may include an icon that provides information in the form of text directly to the user by displaying text therein. For example, the amount of the bond can be directly displayed inside the icon.

According to another example, the display element may include an icon that provides information visually in accordance with predetermined rules. For example, the icon may visually indicate only the presence or absence of a bond. For example, the display element may include a predetermined icon that is displayed only when the bond information with the user exists. The predetermined icon may be a color, a shape, a shape, a point, a flag, and the like. According to the present example, a specific icon may be displayed only on a panel of a user in which there is information on bonds of the plurality of panels listed in the friend list. The user can see the list of friends provided by the messenger service, and intuitively and quickly check which user I am in bond with.

According to one embodiment, the icons included in the display element may be displayed in one or more states depending on the state of the bond. For example, the icon may be displayed in a first color if the bond is a creditor, and in a second color if the bond is a debtor. Icons can be displayed as many as the number corresponding to the number of bonds.

According to one example, the messenger management unit 223 can display the display element in the friend list only with respect to the bond that I am the debtor.

According to one example, the display element may be displayed superimposed with other information displayed on the panel. For example, the display element may be displayed in a specific figure at a specific position based on the user's profile image. According to another example, the display element may be displayed as a frame, photo effect, or the like, which is superimposed on the user's profile image.

2B is a block diagram schematically illustrating a terminal control apparatus 200 according to an embodiment of the present invention.

The terminal control apparatus 200 may be provided on the user terminal 20 side.

Referring to FIG. 2B, the terminal control apparatus 200 includes a processor 230. FIG. The processor 230 includes a service application execution unit 231 and a display control unit 232.

In FIG. 2B, only the processor is shown in order to prevent the characteristics of the present embodiment to be described below from being blurred, and only components related to the present embodiment are shown inside the processor. Therefore, other general-purpose components other than the components shown in FIG. 2B may be further included in the terminal control device 200, for example, a configuration for communication, a configuration for input / output, a memory, and the like.

The service application execution unit 231 executes a service application stored in a memory or the like, and can control data processing related to the service application.

The user terminal 20 may include a display unit (not shown) for displaying a screen, and the display control unit 232 controls display of the display unit.

FIG. 3A is a flowchart illustrating a method of generating bond information according to an embodiment of the present invention. (Create Manual Bond)

The flowchart shown in FIG. 3A includes the steps performed between the first user terminal 21, the server 10, and the second user terminal 22. Therefore, the description of the flowchart shown in FIG. 3A will be made with reference to the components of the user terminal 20 and the server 10 shown in FIGS. 1 and 2B. FIG. 3A is a flow chart illustrating an example of how a first user is a creditor and a second user is a debtor.

In step 31, the first user terminal 21 sends a request for generating a bond to the server 10. [ The bond creation request includes debtor information and benefit information. The bond creation request may further include creditor information, i.e., its own information.

In step 32, the bond management unit 222 of the server 10 refers to the debtor information included in the bond creation request received in step 31, and requests the second user terminal 22 corresponding to the debtor to consent to generate the bond send. The consent request basically includes creditor information and benefit information, and may further include the debtor information.

At step 33, the second user terminal 22 sends a consent to the bond creation.

In step 34, the bond management unit 222 of the server 10 generates the bond information and stores it in the bond DB 212. [

3A, if the second user terminal 22 sends a rejection request to the bond creation in step 33, the bond management section 222 of the server 10 does not generate the bond information in step 34, 1 < / RTI > user terminal 21, a message indicating that the request for creating a bond has been rejected.

Meanwhile, FIG. 3A shows an example in which the creditor requests the bond creation and the debtor agrees, but the present embodiment can be reversed. For example, a debtor may request to generate a bond and generate bond information with the consent of the creditor.

3A, steps 31 and 33 may be performed by the service application execution unit 231 provided in the first user terminal 21 and the second user terminal 22, respectively.

FIG. 3B is an example of a screen displayed on the second user terminal 22 receiving the consent request in step 32. FIG.

When the second user terminal 22 receives the consent request from the server 10 in step 32, the second user terminal 22 may display the contents of the bond included in the consent request on the screen so that the user can confirm it. The user can select agreement (301) or reject (302) after confirming the contents of the bond displayed on the screen.

4A is a flowchart illustrating a messenger service according to an exemplary embodiment of the present invention.

The flowchart shown in FIG. 4A includes the steps performed between the first user terminal 21 and the server 10. Therefore, the description of the flowchart shown in FIG. 4A will be made with reference to the components of the user terminal 20 and the server 10 shown in FIGS. 1 and 2B.

In step 41, the first user terminal 21 requests the friend list from the server 10. The friend list request transmitted in step 41 includes the account information of the first user.

In step 42, the messenger management unit 223 of the server 10 refers to the first user account information included in the friend list request received in step 41, and sends the other user designated as the friend relationship with the first user to the account DB 211 ). In step 42, the messenger management unit 223 inquires the creditor DB 212 for the creditor information of the first user.

In step 43, the messenger management unit 223 provides the friend information and the credit information, which are inquired in step 42, to the first user terminal 21. [ The bond information includes bond information existing between the first user and the friend. The messenger management unit 223 can provide friend information (name, picture, status message, etc.) for each of a plurality of friends, and can provide bond information corresponding to each friend.

In step 44, the first user terminal 21 displays the friend list according to the friend information and the receipt information received in step 43. [ The friend list includes a panel corresponding to each of the friends included in the friend list, and each panel displays information of each friend. The panel may include indicator elements for providing the bond information. In this manner, the first user terminal 21 can display the friend information and the bond information received at step 43 in association with each other on one screen. Linking the friend information and the bond information may be to list the friend information and display the bond information associated with the friend together with the corresponding friend information. The bond information associated with a friend may be the bond information that each friend is designated as a creditor or a debtor.

According to one example, in step 44, the service application execution unit 231 of the first user terminal 21 may directly configure the friend list screen according to the friend information and the receipt information received in step 43, and the display control unit 232 Can display the configured screen on the display unit.

According to another example, in step 43, the messenger management unit 223 may provide a friend list screen displaying friend information and bond information, and in step 44, the display control unit 232 displays the friend list screen received in step 43, Can be displayed.

4B is an example of a friend list screen displayed on the user terminal 20. [

Referring to FIG. 4B, the friend list screen can display and display the panels 41 for displaying information of friends. 4B shows a first panel 411 corresponding to friend 1, a second panel 412 corresponding to friend 2, a third panel 413 corresponding to friend 3, and a fourth panel 414 corresponding to friend 4, Is displayed.

In the example of FIG. 4B, a photograph 421 of the user, a name 422, and a status message 423 are displayed on the panel 41. On the other hand, in the example of FIG. 4B, the first panel 411 is further provided with a display element 424 for displaying bond related information unlike the other panels. In one embodiment of the present invention, the indication of the status message 423 may be omitted.

The screen of FIG. 4B is a friend list screen of the first user displayed on the first user terminal 21. FIG. The display element 424 may be displayed on a panel of users who have a bond relationship with the first user. As described above, the friend list provided according to the embodiment of the present invention can display the bond information with the friend together with the friend information. Here, the user having a bond relationship with the first user may mean a debtor of the bond in which the first user is the creditor, or a creditor of the bond in which the first user is the debtor.

The indicator element 424 may indicate the amount of the bond. The indicator element 424 may indicate that a bond exists between the first user and friend 1 and that the bond amount is 5000 won.

According to one embodiment, the user may select display element 424 and send a notification message to Friend 1 (AAA). When the display element 424 is selected, a message automatically generated using the bond information according to a predetermined rule may be transmitted to the friend 1 (AAA).

FIG. 4C is another example of the friend list screen displayed on the user terminal 20. FIG.

The friend list according to an exemplary embodiment may be displayed in a state in which the display element is set according to the type of the bond. For example, a bond in which a first user is a creditor may be displayed in a first state and a bond in which a second user is a creditor may be displayed in a second state. The display state of the display element can be classified into a color, a pattern, and the like.

Referring to FIG. 4C, an example in which the first display element 424 shown on the first panel 411 and the third display element 431 shown on the third panel are shown in different states is shown.

In FIG. 4C, the first display element 424 may indicate that the first user is a creditor, Friend 1 (AAA) is a debtor, and a bond of amount 5000 exists. The third indicator element 431 may indicate that the first user is the debtor and the friend 3 (CCC) is the creditor and the bond with a value of 9000 is present.

According to one embodiment, an additional function may be provided only for the indicator element displayed in the first state. For example, the user may select the first display element 424 displayed in the first state and send a notification message to Friend 1 (AAA). When the display element 424 is selected, a message automatically generated using the bond information according to a predetermined rule may be transmitted to the friend 1 (AAA). According to this, the user can send a reminder message to the debtor about the bond in which he is the creditor.

FIG. 4D is another example of the friend list screen displayed on the user terminal 20. FIG.

The friend list according to an embodiment can display a display element intuitively indicating information of a bond. Referring to FIG. 4D, the first display element 424 and the third display element 431 do not contain text and are displayed in different colors. The first indicator element 424 may be marked in a first state to indicate that a first user is a creditor and a bond in which Friend 1 (AAA) is the debtor, and the third indicator element 431 is in a second state To indicate that the first user is a debtor and that a friend (AAA) is a creditor.

According to one embodiment, the first display element 424 may provide a first additional function. For example, the user may select the first display element 424 displayed in the first state and send a notification message to Friend 1 (AAA). When the display element 424 is selected, a message automatically generated using the bond information according to a predetermined rule may be transmitted to the friend 1 (AAA). According to this, the user can send a reminder message to the debtor about the bond in which he is the creditor.

FIG. 4E is an example of a screen displayed on the user terminal 20 when the first display element 424 shown in FIG. 4D is selected.

4E, the user terminal 20 may receive input from the user to select the display element 424, and may display the extended area 441 accordingly. The extended area 441 can display the bond information. In FIG. 4E, the extended area 441 is shown to indicate bond amount.

According to one example, the user terminal 20 receives the detailed information of the bond from the server 10 in advance, and only transmits the detailed information of the bond to the extended area 441 ). ≪ / RTI >

According to another example, the user terminal 20 receives only the brief information of the bond from the server 10, and based thereon, a display element 424 for visually displaying only the brief information of the bond, The server 10 may request the additional information corresponding to the corresponding display element 424 only when it receives an input for selecting the display element 424. [ The user terminal 20 can receive the additional information and display it in the extended area 441. [ According to one example, the brief information of the bond may include creditor information and the debtor information, and the additional information may include the amount of the bond.

In FIG. 4E, the extended area 441 is displayed as one layer overlaid on the friend list, but the present invention is not limited thereto. The extension area 441 may be displayed as a pop-up window. Or the user terminal 20 may move to a new page and display the extended area 441. [

The extension area 441 may display an icon 442 that provides an additional function. When the icon 442 is selected from the user, the user terminal 20 can transmit a notification message to the friend 1 (AAA), which is the other party of the corresponding bond. For example, a message automatically generated using the bond information according to a preset rule may be transmitted to the friend 1 (AAA). According to this, the user can send a reminder message to the debtor about the bond in which he is the creditor.

Meanwhile, the methods according to embodiments of the present invention can be implemented in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM, As another example of the medium, a recording medium or a storage medium managed by a site or a server that supplies or distributes an application store or various other software to distribute the application may be mentioned.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the exemplary embodiments, and that various changes and modifications may be made therein without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10: Server
20: User terminal
30: Network
200: terminal control device
210: Storage device
220: Processor
221:
222: Creditor Management Department
223: messenger management section
100: Service providing device
230: Processor
231: Service application execution part
232:

Claims (2)

A method for providing a messenger service to a user terminal by a service providing apparatus,
Receiving a friend list request from the user terminal; And
Inquiring the friend of the user in the account DB, inquiring the bond information of the user in the bond DB, and providing the friend information and the bond information,
The friend of the user is another user specified in a predetermined relationship with the account of the user,
And the user's bond information is the bond information designated by the user as a creditor or a debtor.
Service delivery method.
A computer program stored on a medium for performing the method of claim 1 using a computer.

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