Information processing device, information processing method and information processing program

Abstract

To efficiently perform a Dutch account.SOLUTION: According to the present invention, an information processing device includes a generation part, a determination part, a registration part, a decision part, and a remittance processing part. The generation part generates a group by a plurality of users by a message application. The determination part determines whether to be a payment object of the group in the case that user settlement using user terminals by the users of the group generated by the generation part is performed. The registration part associates a determination result by the determination part with the user settlement to register the determination result. The decision part decides remittance contents among the users on the basis of settlement contents of the user settlement with payment objects of the group associated in the user settlement of each of the plurality of users in the case of receiving a payment processing request by the group. The remittance processing part performs remittance processing among the users with the remittance contents decided by the decision part.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing method, and an information processing program. [Background technology]

[0002] Conventionally, there is a technology related to a split-payment function for payments using user terminals. Patent Document 1 discloses a technology in which, when a payment is made using a QR code (registered trademark) issued for split payment, the payment is made from the wallets of multiple users who are members of the split-payment. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7331045 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the conventional technology does not take into consideration splitting payments made by multiple users. Therefore, there is a need for further improvements in the efficiency of splitting payments.

[0005] The present invention has been made in view of the above, and has an object to provide an information processing device, an information processing method, and an information processing program that enable efficient splitting of the bill. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the object, the information processing device according to the present invention comprises a generation unit, a judgment unit, a registration unit, a determination unit, and a remittance processing unit. The generation unit generates a group of multiple users using a message application. When a user of the group generated by the generation unit makes a user payment using a user terminal, the determination unit determines whether the payment is subject to group payment. The registration unit links the determination result by the determination unit to the user payment and registers it. When the determination unit receives a group payment processing request, it determines the remittance details between users based on the payment details of the user payment linked to the group payment subject, among the user payments of each of the multiple users. The remittance processing unit performs remittance processing between users using the remittance details determined by the determination unit. [Effects of the Invention]

[0007] According to the present invention, splitting the bill can be done efficiently. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. [Figure 2] FIG. 2 is a diagram illustrating an example of a remittance process according to the embodiment. [Figure 3] FIG. 3 is a block diagram illustrating an example of the configuration of the information processing device according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment. [Figure 5] FIG. 5 is a diagram illustrating an example of information stored in a group information storage unit according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of information stored in a payment information storage unit according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of a confirmation screen according to the embodiment. [Figure 8] FIG. 8 is an explanatory diagram of the process of determining remittance details according to the embodiment. [Figure 9]FIG. 9 is a flowchart illustrating an example of the providing process according to the embodiment. [Figure 10] FIG. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, an information processing device, an information processing method, and an information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited to the embodiments.

[0010] [Embodiment] [1. Information Processing] First, an overview of information processing according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of information processing according to the embodiment. Note that Fig. 1 shows an information processing system according to the embodiment.

[0011] 1, the information processing system includes an information processing device 1 and a plurality of user terminals 100. The information processing device 1 is a server device that controls a message application (hereinafter referred to as a "message app") installed in the user terminal 100.

[0012] The information processing device 1 also provides the user U with an electronic payment service that allows payment to be made using a messaging app on the user terminal 100. The electronic payment service is, for example, QR code (registered trademark) payment, but may also include credit card payment, debit card payment, etc.

[0013] The electronic payment service may be provided by a business operator other than the information processing device 1. The information processing device 1 may also cooperate with various e-commerce sites, for example, to acquire the payment history of purchases made by the user U on the various e-commerce sites.

[0014] The user terminal 100 is a terminal device owned by a user U. For example, a message app provided by the information processing device 1 is installed on the user terminal 100, and the user can send and receive messages to and from other users U through the message app. In the example shown in FIG. 1, users U1 to U3 each own a user terminal 100.

[0015] Incidentally, there is a service that offers split payment in electronic payments using the user terminal 100. In conventional technology, a one-time code for split payment is issued, and when payment is made using the one-time code, an amount according to the payment details is paid to the store from each user's wallet.

[0016] On the other hand, for example, when a group of friends go on a trip, it is preferable to split the cost of multiple payments, such as payments for the trip and payments for food and drink during the trip.

[0017] Therefore, in the information processing according to the embodiment, a group of multiple users is created in a message app, and money transfer between the users is carried out after the fact for payments that are to be split among the group.

[0018] Specifically, as shown in Fig. 1, users U1 to U3 create a group through a messaging app (step S1). For example, a group is made up of members who split the bill, and is created by, for example, a representative user U creating a chat room for the group and inviting other members to the chat room.

[0019] At this time, the representative user U can set the duration of the trip, and payments made during that period will be split. After that, during a specified period, such as during the trip, users U1 to U3 each make payments at a store (e.g., QR code (registered trademark) payment) (step S2), and the information processing device 1 acquires payment information sent from each user terminal 100 (step S3). The payment information includes an identifier for the user U who made the payment, an identifier for the store, and information regarding the payment amount. Note that the information processing device 1 may acquire the payment information from a store terminal at the store or, for example, a POS system, or may acquire credit card details or the like as payment information.

[0020] Next, the information processing device 1 performs a determination process to determine whether the currently acquired payment information is a payment target for the group (step S4). For example, as will be described later, when the payment is completed, the user terminal 100 allows the user U to select whether or not to make the current payment a payment target for the group.

[0021] Then, the information processing device 1 acquires payment information linked with information indicating whether or not the item is eligible for group payment, and performs a determination process according to the information indicating whether or not the item is eligible for group payment. Specifically, if user U selects the item as eligible for group payment for the current payment, the information processing device 1 determines that the corresponding payment information is eligible for group payment. On the other hand, if user U does not select the item as eligible for group payment for the current payment, i.e., if user U has purchased something privately, the information processing device 1 determines that the corresponding payment information is not eligible for group payment.

[0022] The information processing device 1 performs these determination processes each time payment information is acquired. For example, when the user U makes a payment processing request, the information processing device 1 executes a determination process to determine the remittance details between users (step S5).

[0023] Specifically, the information processing device 1 determines the remittance details between the users based on the payment details indicated by the payment information determined to be the payment target of the group. After that, the information processing device 1 performs the remittance process between the users based on the determined remittance details (step S6).

[0024] Here, a specific example of remittance content will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of remittance processing according to the embodiment. Note that the "split bill flag" item shown in Fig. 2 indicates a flag indicating whether or not the payment is subject to group payment; if the flag is "1", it indicates that the payment is subject to group payment, and if the flag is "0", it indicates that the payment is not subject to group payment.

[0025] As shown in Figure 2, assume that three payments were made during the travel period, identified by payment IDs "A001" to "A003." In this case, the split payment flags for the payments identified by payment IDs "A001" and "A003" are "1," and the split payment flag for the payment identified by payment ID "A002" is "0."

[0026] In other words, in the example of Figure 2, the payments identified by the payment IDs "A001" and "A003" are subject to split payment. If the payment amounts of the payments subject to split payment are tallied, the payment amount of user U1 is "8000 yen," the payment amount of user U2 is "0 yen," and the payment amount of user U3 is "1300 yen," for a total of "9300 yen."

[0027] If three people simply split the bill, each person will pay 3,100 yen. Therefore, user U1, who has already paid 8,000 yen, will receive 3,100 yen from user U2 and 1,800 yen from user U3. As will be described later, it is possible to adjust the payment rate for each user U.

[0028] In this way, the information processing device 1 determines which user payments are to be split among the multiple user payments and determines the remittance details between the users. Then, the information processing device 1 performs the remittance process between the users based on the determined remittance details.

[0029] This allows the information processing device 1 to split the bill including payments from multiple users, thereby enabling efficient splitting of the bill.

[0030] [2. Information Processing Device] Next, a configuration example of the information processing device 1 according to the embodiment will be described with reference to Fig. 3. Fig. 3 is a block diagram showing the configuration example of the information processing device 1 according to the embodiment. As shown in Fig. 3, the information processing device 1 includes a communication unit 2, a storage unit 3, and a control unit 4. Note that the information processing device 1 may also include an input unit (e.g., a keyboard or a mouse) that accepts various operations from an administrator who uses the information processing device 1, and a display unit (e.g., a liquid crystal display) that displays various information.

[0031] The communication unit 2 is realized by, for example, a network interface card (NIC), etc. The communication unit 2 is connected to a communication network such as 4G (4th Generation) or 5G (5th Generation) by wire or wirelessly, and transmits and receives information to and from each of the user terminals 100, etc. via the communication network.

[0032] The storage unit 3 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk.

[0033] As shown in FIG. 3, the storage unit 3 includes a user information storage unit 31, a group information storage unit 32, and a payment information storage unit 33.

[0034] The user information storage unit 31 stores user information. The user information is various information related to the user U. Fig. 4 is a diagram showing an example of information stored in the user information storage unit 31 according to the embodiment.

[0035] As shown in FIG. 4, the user information storage unit 31 stores information items such as "user ID," "account information," "wallet information," and "balance information" in association with each other.

[0036] The "user ID" item stores an identifier for identifying each user U. The "account information" item stores account information of the user U identified by the corresponding user ID.

[0037] The account information includes, for example, information on demographic attributes such as name, age, address, and annual income, and information on psychographic attributes such as hobbies and preferences. The "wallet information" item stores wallet information. For example, the wallet information is an identifier for identifying user U's wallet in the electronic payment service provided by the messaging app.

[0038] The "Balance Information" field stores balance information. Balance information indicates the electronic money balance of the corresponding wallet information. Wallet information and balance information provided by other electronic payment services may also be used.

[0039] Returning to the explanation of Fig. 3, the group information storage unit 32 will be explained. The group information storage unit 32 stores group information. In the present disclosure, group information is information relating to a group that splits the bill.

[0040] 5 is a diagram illustrating an example of information stored in the group information storage unit 32 according to the embodiment. As shown in FIG. 5, the group information storage unit 32 stores information on items such as "group ID," "members," and "period" in association with one another.

[0041] The "Group ID" field stores an identifier for identifying each group. The "Member" field stores information about members of the group identified by the corresponding group ID. The information about members is, for example, a user ID.

[0042] The "Period" field stores information about a period. For example, the period indicates the period of time that will be split when group members make payments. For example, if payments made by user U while traveling are to be split, the period of the trip should be specified in the Period field.

[0043] Returning to the explanation of Fig. 3, the payment information storage unit 33 will be explained. The payment information storage unit 33 stores payment information. The payment information is information relating to payments made by each user U using the user terminal 100.

[0044] 6 is a diagram showing an example of information stored in the payment information storage unit 33 according to the embodiment. As shown in Fig. 6, the payment information storage unit 33 stores information on items such as "payment ID," "user ID," "store ID," "payment amount," "group ID," and "split payment flag" in association with each other.

[0045] The "Payment ID" item stores an identifier for identifying a payment made using the user terminal 100. The "User ID" item stores the identifier of the user U who made the payment identified by the corresponding payment ID.

[0046] The "Store ID" field stores an identifier for identifying the store where the payment identified by the corresponding payment ID was made. The "Payment Amount" field stores the amount paid in the payment identified by the corresponding payment ID.

[0047] The "Group ID" field stores an identifier for identifying the group to which the user U who made the payment identified by the corresponding payment ID belongs. The "Split Bill Flag" field stores a flag indicating whether the payment identified by the corresponding payment ID is subject to split billing.

[0048] In the example of Figure 6, the split payment flag for the payment identified by the payment ID "A01" is "1" and the group ID is "G01." This indicates that the payment identified by the payment ID "A01" is subject to split payment for the group ID "G01."

[0049] Also, in the example of Figure 6, the split payment flag for the payment identified by payment ID "A03" is "0" and the group ID is "G003." This indicates that the payment identified by payment ID "A03" is not subject to split payment for group ID "G003." In other words, the payment identified by payment ID "A03" suggests that user U, identified by user ID "U023," made a personal purchase.

[0050] Also, in the example of Figure 6, the payment identified by the payment ID "A02" does not have a group ID registered, which indicates that user U, identified by user ID "U005", does not belong to any split-payment group.

[0051] Returning to the explanation of Fig. 3, the control unit 4 will be described. The control unit 4 is a controller, and is realized by, for example, a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs (corresponding to examples of information processing programs) stored in a storage device inside the information processing device 1 using RAM as a work area. The control unit 4 is also, for example, a controller, and is realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0052] As shown in Fig. 3, the control unit 4 includes a generation unit 41, a determination unit 42, a registration unit 43, a notification unit 44, a decision unit 45, and a remittance processing unit 46, and realizes or executes the functions and actions of information processing described below. Note that the internal configuration of the control unit 4 is not limited to the configuration shown in Fig. 3, and may be other configurations as long as they perform the information processing described below. Furthermore, the connection relationships between the processing units of the control unit 4 are not limited to the connection relationships shown in Fig. 3, and may be other connection relationships.

[0053] The generation unit 41 generates a group of multiple users U using a message app. Specifically, the generation unit 41 opens a talk room for the group based on an operation by the user U who will be the representative, for example.

[0054] Then, based on an operation of the representative user U, the generation unit 41 invites the account of the user U designated by the representative user U to the talk room of the group. Note that the group may be a newly established group or may be an already established group.

[0055] In this case, when the generation unit 41 generates a group, it accepts the setting of a period for which the group will be split. It is to be noted that the setting of location information may also be accepted in addition to the setting of a period. For example, if a user is traveling, payments made in the area of ​​the trip may be split, and payments made in other areas may be excluded in advance from the split.

[0056] The generation unit 41 may also be configured to accept designation of store categories that are eligible for splitting. For example, in this case, categories such as restaurants and souvenir shops may be designated as eligible for splitting, and other categories may be excluded in advance from the eligible categories.

[0057] When creating a new group, the generation unit 41 registers information about the group in the group information storage unit 32.

[0058] The determination unit 42 determines whether or not a user of the group generated by the generation unit 41 is eligible for payment when the user makes a user payment using the user terminal 100. Specifically, when the user makes a payment within the period specified for the group, the user terminal 100 displays a selection screen that allows the user to select whether or not the user is eligible for payment for the group.

[0059] Here, a specific example of a confirmation screen displayed on the user terminal 100 will be described with reference to Fig. 7. Fig. 7 is a diagram showing an example of a confirmation screen according to the embodiment. For example, when the user U completes payment on the user terminal 100, a confirmation screen such as that shown in Fig. 7 is displayed on the user terminal 100.

[0060] As shown in Figure 7, the confirmation screen displays the store where the payment was made, the time of the payment, the amount paid, etc., and further allows the user to select whether or not to add this payment to the bill split.

[0061] If user U selects to add this payment to the items eligible for split payment, information indicating that this payment is eligible for split payment will be added to the payment information for this payment. On the other hand, if user U does not select to add this payment to the items eligible for split payment, information indicating that this payment is eligible for split payment will not be added to the payment information for this payment.

[0062] If the user U belongs to multiple groups, the confirmation screen may be configured to accept from the user U the selection of a group to be split.

[0063] The determination unit 42 determines whether or not a payment is eligible for the group payment each time payment information is acquired, depending on whether or not there is information indicating that the payment is split. Note that the determination unit 42 may, for example, notify the group's chat room of the corresponding payment information and determine whether or not the payment is eligible for the group payment based on the reaction of each user U. Note that this point will be explained together with the explanation of FIG. 8.

[0064] The registration unit 43 links the user payment to the determination result by the determination unit 42 and registers it. Specifically, the registration unit 43 links the determination result by the determination unit 42 to the payment information of each user U and registers it in the payment information storage unit 33.

[0065] The notification unit 44 notifies the group's chat room that a user payment that is the subject of the group's payment has been made. Specifically, the notification unit 44 notifies the corresponding group's chat room of the payment information that has been determined by the determination unit 42 to be subject to split payment.

[0066] For example, the notification unit 44 notifies the chat room of information such as the user U who made the corresponding payment, the date and time of the payment, the store, the payment amount, etc. This allows the group members to share information about the payments made by each user U.

[0067] When the determination unit 45 receives a payment processing request from a group, it determines the remittance details between users based on the payment details of the user payment linked to the payment target of the group, among the user payments of each of the multiple users.

[0068] For example, when the period set for the group ends, a payment processing request button is displayed on the user terminal 100, and when the payment request button is selected, the determination unit 45 determines the details of the remittance between users.

[0069] First, the determination unit 45 extracts, from the payment information registered in the payment information storage unit 33, payment information in which a payment is made by a member of the group for which a payment request has been made and the split payment flag is "1".

[0070] Next, the determination unit 45 calculates the payment amount of each member and the total amount to be split based on the extracted payment information, and determines the details of the remittance between users based on the results. At this time, the determination unit 45 may determine the details of the remittance based on information posted in the group's chat room.

[0071] Here, the process for determining the remittance details based on the information posted in the chat room will be determined using Figure 8. Figure 8 is an explanatory diagram of the process for determining the remittance details according to the embodiment. Figure 8 shows a scene in which payment information for splitting the bill is notified in the chat room.

[0072] For example, each group member can check the payment information that will be split through the chat room. Each member can also post comments about the payment information.

[0073] In the example in Figure 8, the payment amount made by person A is 5,000 yen, and person B posts a comment in response to this payment information saying, "I'll pay for this," and person C posts a comment in response to person B's comment saying, "Thank you, person B."

[0074] 8 shows that the payment made by A was paid by B and approved by C. In other words, in this case, the determination unit 45 determines the remittance details assuming that B will pay the full amount of the 5,000 yen payment made by A.

[0075] For example, the determination unit 45 uses a large-scale language model such as a Generative Pre-trained Transformer (GPT) to analyze the content posted in the talk room, and determines the proportion of each member to split the bill based on the results.

[0076] Specifically, the determination unit 45 generates an instruction prompt for determining the split ratio for each member, inputs the chat room post content and the instruction prompt into the language model, and then determines the split ratio for each member based on the response output from the language model, and determines the details of the remittance between the members.

[0077] In this way, the determination unit 45 determines the remittance content based on the comments posted in the chat room, and can determine the amount to be paid by each member based on the comments in the chat room.

[0078] This allows the determination unit 45 to appropriately determine the amount to be paid by each user U. In addition to the processing by the determination unit 45, the processing by the determination unit 42 may also take into account the content posted in the chat room. Specifically, for example, the determination unit 42 may refer to comments on payment information posted in the chat room and determine whether or not the corresponding payment information is subject to splitting. Furthermore, for example, a majority vote may be taken on the payment information posted in the chat room, and the determination unit 42 may determine whether or not the payment information is subject to splitting based on the result of the majority vote.

[0079] Returning to the explanation of Fig. 3, the remittance processing unit 46 will now be described. The remittance processing unit 46 performs remittance processing between users according to the remittance details determined by the determination unit 45. Specifically, the remittance processing unit 46 performs remittance processing by moving electronic money of the remittance amount determined by the determination unit 45 from the wallet of user U, who is the remitter, to the wallet of user U, who is the recipient.

[0080] [3. Processing flow] Next, a processing procedure executed by the information processing device 1 according to the embodiment will be described with reference to Fig. 9. Fig. 9 is a flowchart showing an example of a providing process according to the embodiment. Note that the processing procedure shown below is repeatedly executed by the information processing device 1.

[0081] As shown in FIG. 9, the information processing device 1 creates a group of message applications (step S101) and acquires payment information of payments made by each user U of the group (step S102).

[0082] Each time payment information is acquired, the information processing device 1 determines whether the corresponding payment is eligible for split payment (step S103), and associates the determination result of whether the payment is eligible for split payment with the payment information and registers it (step S104).

[0083] Next, the information processing device 1 determines whether or not a payment request has been accepted (step S105). If the information processing device 1 determines that a payment request has not been accepted (step S105; No), the process returns to step S102.

[0084] Furthermore, when it is determined in step S105 that a payment request has been accepted (step S105; Yes), the information processing device 1 determines the details of remittance between users (step S106).

[0085] Then, the information processing device 1 executes the remittance process according to the determined remittance details (step S107), and ends the process.

[0086] [4. Modifications] In the above-described embodiment, the case where payments using the user terminal 100 are the subject of the split payment has been described, but the present invention is not limited to this. For example, payments made by the user U on various e-commerce sites, such as reservation sites, may also be included in the split payment.

[0087] For example, in such a case, when user U posts a receipt issued from a reservation site or the like in the group's chat room, the information processing device 1 may include the amount written on the receipt in the bill split by, for example, using image recognition such as OCR.

[0088] Also, for example, if user U pays with cash or the like, by posting a photo of the receipt, the information processing device 1 may include the amount written on the receipt in the split amount using image recognition such as OCR.

[0089] [5. Effects] The information processing device 1 according to the embodiment includes a generation unit 41 that generates a group of multiple users using a message application, a judgment unit 42 that judges whether or not a user payment made using a user terminal by a user of the group generated by the generation unit 41 is the target of the group's payment, a registration unit 43 that links the judgment result by the judgment unit 42 to the user payment and registers it, a determination unit 45 that, when a group payment processing request is received, determines the details of a remittance between users based on the payment details of the user payment linked to the target of the group's payment among the user payments of each of the multiple users, and a remittance processing unit 46 that performs remittance processing between users using the remittance details determined by the determination unit 45.

[0090] In addition, when a user payment is made during a period specified by a group, the user terminal 100 can accept a selection from the user as to whether or not the user payment is subject to group payment, and the judgment unit 42 judges whether or not the user payment is subject to group payment based on the result of the selection as to whether or not the user payment is subject to group payment.

[0091] The information processing device 1 also includes a notification unit 44 that notifies the group's chat room that the user payment to be paid for the group has been made. The determination unit 45 determines the details of the remittance between users based on the posted information posted in the group's chat room.

[0092] By performing any one or a combination of the above-described processes, the information processing device according to the present application can efficiently split the bill.

[0093] [6. Hardware Configuration] The information processing device 1 according to the embodiment described above is realized by, for example, a computer 1000 configured as shown in Fig. 10. Fig. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device according to the embodiment. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

[0094] The CPU 1100 operates and controls each unit based on programs stored in the ROM 1300 or the HDD 1400. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 starts up, programs that depend on the hardware of the computer 1000, and the like.

[0095] The HDD 1400 stores programs executed by the CPU 1100, data used by such programs, etc. The communication interface 1500 receives data from other devices via a network (communication network) N and sends the data to the CPU 1100, and transmits data generated by the CPU 1100 to other devices via the network N.

[0096] The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse (in FIG. 10, the output devices and input devices are collectively referred to as "input / output devices") 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 generated data to the output devices via the input / output interface 1600.

[0097] Media interface 1700 reads a program or data stored in recording medium 1800 and provides it to CPU 1100 via RAM 1200. CPU 1100 loads the program or data from recording medium 1800 onto RAM 1200 via media interface 1700 and executes the loaded program. 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.

[0098] For example, when the computer 1000 functions as the information processing device according to the embodiment, the CPU 1100 of the computer 1000 executes programs loaded onto the RAM 1200 to realize the functions of the control unit 4. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, the CPU 1100 may obtain these programs from another device via the network N.

[0099] [7. Other] Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. Furthermore, the above-described components include those that can be easily imagined by a person skilled in the art, those that are substantially the same, and those that are within the scope of so-called equivalents. Furthermore, the above-described components can be combined as appropriate. Furthermore, various omissions, substitutions, or modifications of the components can be made without departing from the spirit of the above-described embodiments.

[0100] Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using a known method. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed as desired unless otherwise specified. For example, the various information shown in each drawing is not limited to the information shown in the drawings.

[0101] Furthermore, the components of each device shown in the figure are conceptual functional components and do 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.

[0102] For example, the above-mentioned information processing device may be realized using multiple server computers, and depending on the function, the configuration can be flexibly changed, such as by calling an external platform using an API (Application Programming Interface) or network computing.

[0103] Furthermore, the above-described embodiments and modifications can be combined as appropriate within the scope of not causing any contradiction in the processing content.

[0104] Furthermore, the above-mentioned "section, module, unit" can be read as "means" or "circuit," etc. For example, an acquisition unit can be read as an acquisition means or an acquisition circuit. [Explanation of symbols]

[0105] 1. Information processing equipment 2. Communications Department 3 Storage section 4. Control Unit 31 User information storage unit 32 Group information storage unit 33 Payment information storage unit 41 Generation part 42 Judgment section 43 Registration Department 44 Notification Department 45 Decision Section 46 Remittance Processing Section 100 user terminals U User

Claims

1. a generating unit for generating a group of a plurality of users in a message application; a determination unit that determines whether the group is a payment target when a user payment is made by the user of the group generated by the generation unit using a user terminal; a registration unit that links the determination result by the determination unit to the user payment and registers the result; a determination unit that, when receiving a payment processing request from the group, determines the details of remittance between users based on the details of the user payment linked to the payment target of the group, among the user payments of each of the plurality of users; a remittance processing unit that performs remittance processing between the users using the remittance content determined by the determination unit; An information processing device comprising:

2. The user terminal When the user payment is made during the period designated by the group, it is possible to accept from the user a selection as to whether or not the user payment is subject to payment by the group; The determination unit determining whether the group is eligible for payment based on the result of the selection of whether the group is eligible for payment; 2. The information processing device according to claim 1,

3. a notification unit that notifies a chat room of the group that the user payment that is the payment target of the group has been made; 2. The information processing apparatus according to claim 1, further comprising:

4. The determination unit Determining the details of remittances between said users based on information posted in the group's chat room 2. The information processing device according to claim 1,

5. 1. A computer-implemented information processing method, comprising: a generating step of generating a group of a plurality of users in a message application; a determination step of determining whether or not the group is subject to payment when a user payment is made by the user of the group generated by the generation step using a user terminal; a registration step of linking the determination result by the determination step to the user payment and registering the result; a determination step of determining the details of remittance between users based on the details of the user payment linked to the payment object of the group among the user payments of each of the plurality of users when a payment processing request from the group is received; a remittance processing step of performing a remittance process between the users using the remittance details determined in the determination step; An information processing method comprising:

6. a generation step for generating a group of multiple users in a message application; a determination step of determining whether or not the group is subject to payment when a user payment is made by the user of the group generated by the generation step using a user terminal; a registration procedure for linking the determination result of the determination procedure to the user payment and registering the result; a determination step of determining the details of remittance between users based on the details of the user payment linked to the payment object of the group among the user payments of each of the plurality of users when a payment processing request from the group is received; a remittance processing procedure for performing a remittance process between the users with the remittance content determined by the determination procedure; An information processing program characterized by causing a computer to execute the above.

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