Information processing system, information processing method, program, and information processor

Abstract

To provide effective advertising using Dutch treat data.SOLUTION: An information processing system 10 is configured to perform Dutch treat processing to divide expense related to one or more settlements among a plurality of user accounts. The information processing system 10 estimates human relationships among the plurality of user accounts according to the Dutch treat data, concerning the Dutch treat processing. The information processing system 10 delivers an advertisement to at least one object account of the plurality of user accounts according to the estimated result of the estimation processing.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Patent Document 1 describes a communication system that performs a split payment process in which a paid amount based on one or more shopping payment histories is shared among users of multiple terminals. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-89680 Summary of the Invention [Problem to be solved by the invention]

[0004] Here, the inventors of the present application have found that there is room for utilization of split bill data, which is data relating to split bill processing such as split bill settlement processing. [Means for solving the problem]

[0005] An information processing system according to one embodiment of the present disclosure includes a bill splitting processing unit that executes a bill splitting process to distribute costs related to one or more payments among multiple user accounts, an estimation unit that estimates human relationships between the multiple user accounts based on bill splitting data, which is data related to the bill splitting process, and a delivery unit that delivers advertisements to at least one target account of the multiple user accounts based on the estimation results of the estimation unit.

[0006] An information processing method according to one embodiment of the present disclosure is an information processing method using one or more information processing devices, and includes estimating human relationships between multiple user accounts based on split payment data, which is data related to a split payment process in which costs related to one or more payments are distributed among multiple user accounts, and delivering an advertisement to at least one target account of the multiple user accounts based on the human relationships.

[0007] A program according to one embodiment of the present disclosure causes one or more information processing devices to function as an estimation unit that estimates human relationships between multiple user accounts based on split payment data, which is data related to a split payment process in which costs related to one or more payments are distributed among the multiple user accounts, and a delivery unit that delivers advertisements to at least one target account of the multiple user accounts based on the estimation results of the estimation unit.

[0008] A program according to one embodiment of the present disclosure is a program for making payments using a user terminal capable of communicating with a server and having a display, which causes the user terminal to function as a part of a bill splitting process for allocating costs related to one or more payments among multiple user accounts, including a bill splitting request unit that executes the bill splitting request process by sending bill splitting request information to the server, and an advertisement display unit that, based on the advertisement data acquired from the server, displays an advertisement based on the acquired advertisement data on the display, wherein the bill splitting request information includes an account among the multiple user accounts to be paid, the human relationships between the multiple user accounts are estimated based on the bill splitting data including the bill splitting request information, and the advertisement is a human relationship advertisement corresponding to the human relationships between the multiple user accounts.

[0009] An information processing device according to one embodiment of the present disclosure includes an estimation unit that estimates interpersonal relationships between multiple user accounts based on split payment data, which is data related to a split payment process in which costs related to one or more payments are distributed among the multiple user accounts, and a distribution unit that distributes advertisements to at least one target account of the multiple user accounts based on the estimation result of the estimation unit. [Effects of the Invention]

[0010] According to the present invention, it is possible to provide effective advertisements using split-payment data. [Brief explanation of the drawings]

[0011] [Figure 1] FIG. 1 is a schematic diagram showing the configuration of an information processing system according to the first embodiment. [Figure 2] FIG. 2 is a block diagram illustrating an example of the electrical configuration of a user terminal that constitutes the information processing system of FIG. [Figure 3] FIG. 3 is a block diagram illustrating an example of the electrical configuration of a server that constitutes the information processing system of FIG. [Figure 4] FIG. 4 is a diagram showing an example of the user database. [Figure 5] FIG. 5 is a diagram showing an example of split-the-bill data. [Figure 6] FIG. 6 is a block diagram illustrating an example of the electrical configuration of the store terminal. [Figure 7] FIG. 7 is a flow diagram showing an example of a payment process. [Figure 8] FIG. 8 is a diagram showing an example of a screen on which a payment code is displayed. [Figure 9] FIG. 9 is a diagram showing an example of the payment completion screen. [Figure 10] FIG. 10 is a flow diagram showing a part of the split payment process. [Figure 11] FIG. 11 is a diagram showing an example of the subject selection screen. [Figure 12] FIG. 12 is a diagram showing an example of the selection confirmation screen. [Figure 13] FIG. 13 is a diagram showing an example of the price setting screen. [Figure 14] FIG. 14 is a flowchart showing an example of the estimation process. [Figure 15] FIG. 15 is a flowchart illustrating an example of the first advertisement data generation process. [Figure 16] FIG. 16 is a diagram showing an example of the request completion screen. [Figure 17] FIG. 17 is a flow diagram showing a part of the split payment process. [Figure 18] FIG. 18 is a diagram showing an example of the payment screen. [Figure 19] FIG. 19 is a flowchart showing an example of the second advertisement data generation process. [Figure 20] FIG. 20 is a diagram showing an example of the receipt notification screen. [Figure 21] FIG. 21 is a diagram showing an example of the payment completion screen. [Figure 22] FIG. 22 is a diagram showing an example of the price setting screen in the second embodiment. [Figure 23] FIG. 23 is a diagram showing an example of the price setting screen in the second embodiment. [Figure 24] FIG. 24 is a diagram showing an example of a home screen according to the third embodiment. [Figure 25] FIG. 25 is a flow chart showing a part of the money sending and receiving process of the third embodiment. [Figure 26] FIG. 26 is a diagram showing an example of the total amount setting screen according to the third embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0012] First Embodiment Hereinafter, a first embodiment of an information processing system, an information processing method, a program, and an information processing device will be described with reference to FIGS.

[0013] <Configuration of Information Processing System 10> As shown in FIG. 1, the information processing system 10 includes, for example, a plurality of user terminals 20, 30, one or more servers 40, and a store terminal 50. The plurality of user terminals 20, 30 and the server 40 are capable of communicating with each other via a network NT. The plurality of user terminals 20, 30 are also capable of communicating with each other via the network NT. That is, in the information processing system 10 of this embodiment, the plurality of user terminals 20, 30 and the server 40 are connected, and perform integrated functions as a whole. The number of user terminals 20, 30 is not limited to two and can be any number.

[0014] <Overview of User Terminals 20 and 30> The user terminals 20 and 30 are configured with one or more computers. The user terminals 20 and 30 can be considered as an example of a computer used by a user. The user terminals 20 and 30 may be, for example, mobile terminals such as smartphones, smartwatches, and tablets, but are not limited to these.

[0015] As shown in FIG. 2, the user terminal 20 includes a terminal processor 21, a terminal memory 22, a communication IF 23, an input / output unit 24, a display 25, and a position detection unit 26. The terminal processor 21 is, for example, a processing circuit configured to execute various software processes. The processing circuit may include a dedicated hardware circuit (e.g., an ASIC) that processes at least a part of the software processes. In other words, the software processes may be executed by a processing circuit that includes at least one of one or more software processing circuits and one or more dedicated hardware circuits.

[0016] The terminal processor 21 is, for example, a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor unit (MPU), a field-programmable gate array (FPGA), or other computing device. The terminal processor 21 executes a series of instructions contained in a computer program stored in the terminal memory 22 in response to a given signal or in response to the establishment of a predetermined condition.

[0017] The terminal memory 22 may include, for example, storage for permanently storing data including programs. The programs include applications and an operating system. The storage may be, for example, a solid state drive (SSD), read-only memory (ROM), a hard disk drive, flash terminal memory, or other non-volatile storage device. The storage may be a removable storage device such as a terminal memory card. However, the terminal memory 22 may include, for example, random access memory (RAM) or other volatile terminal memory. The number of terminal memories 22 is arbitrary and may be one or more.

[0018] In this embodiment, the terminal memory 22 stores a payment application program 22a for making payments using the user terminal 20. The payment application program 22a is a program for executing the payment application. The terminal processor 21 can operate the payment application by executing the payment application program 22a. The payment application is configured to be able to execute terminal payment processing, bill splitting processing, and payment splitting processing. In other words, the payment application program 22a can also be said to be a program for causing the user terminal 20 to execute terminal payment processing, bill splitting processing, and payment splitting processing.

[0019] A user account is set for the payment app. The user account is user-specific information for identifying the user. This makes it possible to identify the user who runs the payment app. For ease of explanation, the following description will be given assuming that one user account is set for one user terminal 20.

[0020] "Payment" in this specification refers to electronic payment (electronic settlement). Payment includes the use of electronic currency. Electronic currency may be, for example, electronic money, digital currency, virtual currency, or coupons or points. Payment also includes electronic payment using a credit card.

[0021] The communication IF 23 is configured to connect to the network NT. The communication IF 23 is configured to communicate with other devices connected to the network NT. The communication IF 23 is realized as, for example, Wi-Fi (registered trademark), Bluetooth (registered trademark), or other wireless communication IF. However, without being limited thereto, the communication IF 23 may also be realized as a LAN or other wired communication IF.

[0022] The input / output unit 24 is, for example, a keyboard and a mouse, and may also include buttons, keys, switches, a touchpad, or a microphone. The input / output unit 24 is configured to enable input and output by touch operation, keyboard operation, mouse operation, voice, etc.

[0023] The display 25 may be, for example, a liquid crystal monitor or an organic EL (Electro Luminescence) monitor, or may be a touch screen having a touch panel that also serves as the input / output unit 24.

[0024] The position detection unit 26 acquires position information of the user terminal 20. The position detection unit 26 is, for example, a GPS. However, the position detection unit 26 is not limited to this, and any position detection unit 26 may be used as long as it can detect the position of the user terminal 20.

[0025] Similarly, user terminal 30 includes a terminal processor 31, terminal memory 32 having payment application program 32a, communication IF 33, input / output unit 34, display 35, and position detection unit 36. These components are similar to the corresponding components of user terminal 20, so detailed description will be omitted. In this embodiment, payment application programs 22a and 32a correspond to the "program for making payments using a user terminal."

[0026] <Server 40 Overview> The one or more servers 40 are configured with one or more computers. The one or more servers 40 are managed by, for example, an administrator. The one or more servers 40 are configured to execute a managed settlement process, which is part of the settlement process, and a managed split-bill process, which is part of the split-bill process. When there are multiple servers 40, the multiple servers 40 are preferably configured to communicate with each other via the network NT, thereby exchanging information necessary to perform various processes.

[0027] As shown in FIG. 3, the server 40 includes a server processor 41, a server memory 42, a communication IF 43, an input / output unit 44, and a display 45. The server processor 41 is, for example, a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor unit (MPU), a field-programmable gate array (FPGA), or other computing device. The server processor 41 executes a series of instructions included in a computer program stored in the server memory 42 in response to a signal provided thereto or in response to the establishment of a predetermined condition.

[0028] The server memory 42 may be a non-volatile memory such as an SSD, similar to the terminal memories 22 and 32. The communication IF 43 is configured to connect to the network NT, similar to the communication IFs 23 and 33 of the user terminals 20 and 30. The server 40 is capable of communicating with the user terminals 20 and 30 and the store terminal 50 via the network NT.

[0029] The input / output unit 44 is, for example, a keyboard and a mouse, and may also include buttons, keys, switches, a touchpad, or a microphone. The input / output unit 44 is configured to enable input and output by touch operation, keyboard operation, mouse operation, voice, etc.

[0030] The display 45 may be, for example, a liquid crystal monitor or an organic EL (Electro Luminescence) monitor, or may be a touch screen having a touch panel that also serves as the input / output unit 44.

[0031] The server memory 42 stores information necessary for executing the payment process and the split payment process. In detail, the server memory 42 stores a payment management program 42a, an advertisement database 42b, a user database 42c, and a split payment database 42d.

[0032] The payment management program 42a includes a program for executing the managed payment processing and the managed split payment processing. The server processor 41 can execute the managed payment processing and the managed split payment processing by executing the payment management program 42a. In other words, it can be said that the payment management program 42a causes the server 40 to execute the managed payment processing and the managed split payment processing. In this embodiment, the payment management program 42a corresponds to a program that causes the server 40, which is one or more information processing devices, to function as an "estimation unit" and a "distribution unit."

[0033] The advertisement database 42b is a database that manages data related to advertisements to be provided to users, and is a database in which data related to advertisements is registered when an advertisement client submits an advertisement.

[0034] In the advertisement database 42b, for example, advertisement IDs, purchase object types, recommended attributes, coupon information, and store information are associated and stored. The advertisement ID is information that can identify an advertisement. The purchase object type is information that indicates the type of purchase object corresponding to the advertisement. For example, the purchase object type may have multiple categories. The multiple categories of the purchase object type may be, for example, e-commerce, travel, securities, etc. Furthermore, the multiple categories may have a structure with multiple hierarchies. For example, the e-commerce category may have multiple subcategories, such as home appliances and daily necessities, and the home appliance category may further have multiple subcategories.

[0035] The items to be purchased include both goods and services. Furthermore, the items to be purchased are not limited to physical goods, but also include digital goods traded online. Digital goods include, for example, software, e-books, music data, and non-fungible tokens (NFTs).

[0036] The recommended attributes are attribute information of a user for whom the provision of an advertisement is recommended. The user attribute information includes personal information such as the user's age, gender, and preferences, as well as information about human relationships. The information about human relationships is information about the relationships between multiple user accounts. The information about human relationships includes multiple categories, such as family, lovers, friends, roommates, and colleagues. By including information about human relationships in the recommended attributes, it becomes possible to select advertisements that correspond to human relationships, such as advertisements recommended for use between friends or advertisements recommended for use between lovers.

[0037] The coupon information is information about benefits, such as discounts and points for purchases. The coupon information may include application conditions that apply when multiple people use the coupon. The specific form of the benefit is arbitrary.

[0038] The store information is information about a store that sells the item to be purchased. The store information includes, for example, location information of the store. The store information may also include other information such as a list of products handled by the store.

[0039] 4, the user database 42c stores a plurality of user accounts and a plurality of pieces of user information set in association with the plurality of user accounts. The user information is information registered in the user accounts.

[0040] The user information includes user attribute information, user payment information, and benefit information. The user attribute information includes, but is not limited to, personal information such as the user's age, gender, address, annual income, place of work, occupation, and email address. The address may be a registered home address or location information of the user terminal 20, 30 logged in with the user account.

[0041] In this embodiment, the user attribute information includes favorite information of the user account and information about human relationships. Favorite information is information about a registration list in which the user has registered favorites. Favorite information includes, for example, information about products, services, or stores that have been registered as favorites. Information about human relationships is, for example, information about user accounts that are presumed to have a relationship with the user account and the relationship.

[0042] The user payment information may include a credit card number, a debit card number, or a debit account number. The user payment information may also include information about the available amount that can be used for payment using the payment app.

[0043] The user payment information may include information about the usage of the payment app, such as payment history. The information about the usage of the payment app may include, for example, the store where the payment was made, the date and time of the payment, the payment amount, etc. In addition, the user information may include the usage of other applications, such as a securities app, a travel app, a golf course usage app, etc.

[0044] The benefit information includes information about points, which are a type of benefit, such as available points, point usage history, etc. However, the benefit information is not limited to this, and may also include information about used coupons.

[0045] The split bill database 42d is a database in which a plurality of split bill data Dsb is stored. The split bill data Dsb is data related to the split bill processing. More specifically, the information processing system 10 of this embodiment is configured to be able to execute split-bill processing, which is processing for allocating costs relating to one or more payments among multiple user accounts.

[0046] The split bill process is carried out by exchanging information (e.g., amount information) between the billing account and the payment account via server 40. The billing account is the account that bills expenses in the split bill process and is the account that normally makes the payment. The payment account is the account that is the target of payment in the split bill process. The payment account is the account that has received a split bill request from the billing account. Each user account can both bill and pay the split bill. In other words, one user account can be both a billing account and a payment account.

[0047] 5, the split bill data Dsb includes payment information, which is information about the payment to be split this time, and information about the people to be split. For example, the split bill data Dsb may include a split bill ID, payment information about the people to be split, the people to be split, the amount of the split bill, and the chat content.

[0048] The split payment ID is information for identifying the split payment process. The payment information may include, for example, the person who made the payment, the payment date and time, the payment amount, the payment store, the purchased items, and the payment location. The person who made the payment is the user account that actually made the payment and the billing account. The payment date and time, payment amount, payment store, and purchased items are the date, amount, store, and purchased items of the payment that is the subject of this split payment.

[0049] The parties to split the bill are the billing account and the payment account. The split amount is the bill amount allocated to each account. The chat content is the chat entered by the user during the split payment process, and is text information entered in the chat field 82. The chat field 82 will be described later.

[0050] The store terminal 50 is composed of one or more computers. The store terminal 50 is, for example, a terminal used by a seller for payment. The store terminal 50 may be, for example, a POS (Point of Sales) or a mobile terminal such as a PC or tablet on which a store payment application is installed. The store terminal 50 is capable of communicating with the server 40 via the network NT.

[0051] <Outline of the store terminal 50> As shown in FIG. 6, the store terminal 50 includes a store processor 51, a store memory 52, a communication IF 53, a scanner 54 as an input / output unit, and a display 55.

[0052] Like the terminal processor 21, the store processor 51 is configured with a CPU and other components. Like the terminal memory 22, the store memory 52 may be a non-volatile memory such as an SSD. The store memory 52 contains a program for executing store payment processing. The store processor 51 can execute the program to execute the store payment processing. Like the communication IF 23 of the user terminal 20, the communication IF 53 is configured to connect to the network NT.

[0053] <Payment processing> The information processing system 10 is configured to perform payment processing by communication between the user terminal 20, the store terminal 50, and the server 40. The payment processing will be explained using Fig. 7. For convenience of explanation, payment using the user terminal 20 will be explained, but the same applies to the user terminal 30.

[0054] As shown in FIG. 7, the payment process includes processing related to the purchase of goods or services. In this embodiment, the payment process includes terminal payment processing, managed payment processing, and store payment processing. The terminal processor 21 executes the terminal payment processing. The server processor 41 executes managed payment processing. The store processor 51 of the store terminal 50 executes the store payment processing. The payment processing is carried out by each processor 21, 41, 51 executing the corresponding payment processing and exchanging information with each other. In other words, it can be said that the information processing system 10 of this embodiment is configured so that the user terminal 20, server 40, and store terminal 50 work together to carry out payments.

[0055] First, in step S101, the terminal processor 21 launches the payment application in response to an application launch operation being performed on the user terminal 20. The application launch operation is arbitrary, and may be, for example, a tap operation on an application icon displayed on the display 25. Thereafter, the terminal processor 21 displays the payment code 60.

[0056] 8, the payment code 60 is, for example, a barcode or a QR code (registered trademark). The terminal processor 21 may be configured to automatically display the payment code 60 by starting a payment application, or may be configured to display the payment code 60 when an operation for displaying the payment code 60 is performed.

[0057] 7, when the payment code 60 is read, the store processor 51 executes a payment request process in step S301 to request payment from the server 40. In detail, the store processor 51 transmits payment request information including information necessary for payment to the server 40.

[0058] The reading operation is arbitrary, and may be, for example, reading a barcode or a QR code using the scanner 54. However, the reading operation is not limited to this, and human body authentication such as fingerprint or face authentication may be used, or a touch payment method using the scanner 54 may also be used.

[0059] When a payment request is received, the server processor 41 executes payment processing in step S201. The server processor 41 determines whether payment is possible by referring to user payment information (e.g., available balance and credit usage information), and performs the payment if it determines that payment is possible. For example, the server processor 41 deducts the current payment amount from the available balance of the user account to be paid. If the server processor 41 determines that payment is not possible, it may send a notification to that effect to at least one of the store terminal 50 and the user terminal 20.

[0060] If the payment is successful, the server processor 41 proceeds to step S202 and executes a point granting process to grant points to the payment account. Specifically, the server processor 41 determines whether or not points are to be granted for this payment, and if so, determines the amount and type of points and grants them to the payment account. The payment account is the user account that made the current payment.

[0061] In the next step S203, the server processor 41 sends a payment completion notification indicating that the payment has been completed to the user terminal 20 and the store terminal 50. The server processor 41 then executes a process to store the current payment information and information regarding point allocation in a predetermined database in the server memory 42, and ends this process. For example, if the server memory 42 has a payment database in which payment information is stored, the server processor 41 may execute a process to store the current payment information in the payment database. As a result, the payment history and point history are stored in the server memory 42.

[0062] When the terminal processor 21 receives the payment completion notification, in step S102 it executes a payment completion process corresponding to the completion of the payment. The payment completion process includes a process in which the terminal processor 21 displays a payment completion screen 61.

[0063] 9, the payment completion screen 61 is a screen that displays that the payment has been completed successfully. The payment completion screen 61 displays the date and time of the payment, the store where the payment was made, the payment amount, whether or not points were used, and the points earned.

[0064] 7, the terminal processor 21 determines whether or not a favorite operation has been performed in step S103. The favorite operation is an operation for registering the purchase object for which payment has been made this time in the favorites.

[0065] The specific manner of the favorite operation is arbitrary. For example, as shown in Fig. 9, the terminal processor 21 may display a favorite icon 62 for registering a favorite next to the payment amount on a payment completion screen 61. In this case, the favorite operation may be a tap operation on the favorite icon 62.

[0066] If a favorite operation has been performed, the terminal processor 21 proceeds to step S104 and sends a request to the server 40 to register the current purchase item (payment item) as a favorite. When the server processor 41 receives the request, in step S204 it executes an update process to add the requested purchase item to the favorite information included in the user attribute information in the user database 42c. This makes it possible to determine whether the item is to the user's liking by referring to the favorite information.

[0067] For example, if the purchase item is a service such as a restaurant, the server processor 41 may register the store used as a favorite. Also, if the purchase item is an activity, the server processor 41 may register the type of activity as a favorite and also register the store used this time as a favorite.

[0068] Upon receiving the payment completion notification, the store processor 51 executes the payment completion process in step S302 and ends this process. The payment completion process includes, for example, displaying a screen on the display 55 of the store terminal 50 indicating that the payment has been successfully completed.

[0069] <Split the bill> Next, the split payment process will be described. For ease of explanation, in the following description, the user terminal 20 of the billing account will also be referred to as the billing user terminal 20, and the user terminal 30 of the paying account will also be referred to as the paying user terminal 30.

[0070] The bill splitting process includes a bill splitting process executed by the billing user terminal 20, a payment splitting process executed by the paying user terminal 30, and a management splitting process executed by the server 40. The user terminals 20, 30 and the server 40 (more specifically, the processors 21, 31, 41) that execute each bill splitting process correspond to the "bill splitting processing unit."

[0071] Each of these splitting processes will now be described. As shown in FIG. 10, the billing user terminal 20, more specifically the terminal processor 21 of the billing user terminal 20, waits until a split operation is performed in step S401.

[0072] The specific manner of the split-the-bill operation is arbitrary, but for example, as shown in Fig. 9, a split-the-bill icon 63 indicating that the bill will be split may be displayed on a payment completion screen 61. In this case, the split-the-bill operation is performed by tapping on the split-the-bill icon 63.

[0073] In addition, the terminal processor 21 of the billing user terminal 20 may cancel the standby state and terminate the bill splitting process when a predetermined period of time has passed since the payment completion screen 61 was displayed, or when the payment completion screen 61 is closed.

[0074] As shown in FIG. 10, when a split operation is performed, the terminal processor 21 of the billing user terminal 20 determines that the payment displayed on the payment completion screen 61 will be split, and proceeds to step S402.

[0075] In step S402, the terminal processor 21 of the billing user terminal 20 executes a bill splitter selection process to select a bill splitter other than the user himself / herself. In detail, the terminal processor 21 of the billing user terminal 20 displays a bill splitter selection screen 70.

[0076] 11, information for selecting a target person is displayed on the target person selection screen 70. For example, the target person selection screen 70 is provided with a search field 71 into which the user can input information. When the user inputs a phone number, user account, or the like into the search field 71, the terminal processor 21 of the billing user terminal 20 searches for and displays the target person by communicating with its own terminal memory 22 or the server 40.

[0077] The terminal processor 21 of the billing user terminal 20 then selects the user selected by performing a selection operation on one of the displayed user names as the person to split the bill. The selection operation may be, for example, a tap on the displayed user name, but is not limited to this. The terminal processor 21 of the billing user terminal 20 may also display a check mark to identify the selected person.

[0078] Furthermore, the information processing system 10 of this embodiment is configured to be able to estimate human relationships, and information about the estimated human relationships is stored in the user database 42c. In this case, the terminal processor 21 of the billing user terminal 20 may request information about human relationships from the server 40 in the target person selection process. Then, the terminal processor 21 of the billing user terminal 20 may display a candidate list 72 on the target person selection screen 70 based on the information about human relationships acquired from the server 40. The candidate list 72 may be displayed, for example, by category. When a display name displayed in the candidate list 72 is tapped, the terminal processor 21 of the billing user terminal 20 selects the user account of the tapped display name as the person to split the bill. However, the display format of the candidate list 72 is arbitrary.

[0079] Furthermore, the target person selection screen 70 may be provided with a selection completion icon 73. The terminal processor 21 of the billing user terminal 20 displays a selection confirmation screen 74 based on a tap operation on the selection completion icon 73.

[0080] 12, the selection confirmation screen 74 displays, for example, a list of the accounts selected this time, along with a confirmation icon 75. Based on the tap operation on the confirmation icon 75, the terminal processor 21 of the billing user terminal 20 performs processing to confirm the account selected this time as the payment account, and proceeds to step S403.

[0081] The specific display modes of the target person selection screen 70 and the selection confirmation screen 74 are arbitrary. For example, the terminal processor 21 of the billing user terminal 20 may omit the candidate list 72, or may omit the selection confirmation screen 74 and have the splitter confirmed by tapping the selection completion icon 73.

[0082] Furthermore, the manner in which the payer user is selected is not limited to the above. For example, the terminal processor 31 of the paying user terminal 30 may display a QR code related to the user's own account on the display 35. In this case, the terminal processor 21 of the billing user terminal 20 may be able to select the payer by reading the QR code. Alternatively, both user terminals 20 and 30 may share a dedicated URL.

[0083] 10, the terminal processor 21 of the billing user terminal 20 executes a split payment amount setting process to set the split payment amount in step S403. In detail, the terminal processor 21 of the billing user terminal 20 causes the display 25 of the billing user terminal 20 to display an amount setting screen 80.

[0084] As shown in FIG. 13, the amount setting screen 80 displays the billing account (yourself) and the payment account name, and also displays a billing amount icon 81 corresponding to each account name.

[0085] Here, the terminal processor 21 of the billing user terminal 20 may display the billing amount icon 81 with an initial value of the billing amount entered. The initial value of the billing amount is, for example, the settlement amount divided by the number of payment accounts. However, the initial value of the billing amount is not required and may be left blank.

[0086] The information processing system 10 of this embodiment may be configured to allow the billing amount to be changed from an initial value. For example, the terminal processor 21 of the billing user terminal 20 puts the user in a state where the user can change the billing amount based on a predetermined change operation (e.g., a tap operation on the billing amount icon 81). The state where the user can change the billing amount may be, for example, a state where the user can directly input the amount, or a configuration where a change icon is displayed and the amount can be changed using the change icon.

[0087] The amount setting screen 80 may be provided with a chat field 82 in which the user can input chat messages. This allows the user to add chat messages to the payment account along with a request to split the bill.

[0088] The amount setting screen 80 has a confirmation icon 83 for confirming the billing amount. When the confirmation icon 83 is tapped, the terminal processor 21 of the billing user terminal 20 confirms the billing amount and ends the split amount setting process.

[0089] As shown in Figure 10, after the process of setting the split bill amount is completed, the terminal processor 21 of the billing user terminal 20 executes a split bill request process in step S404. The split bill request process includes a process of sending the payment account, the bill amount for each payment account, and split bill request information in which chat is set to the server 40. In this embodiment, the billing user terminal 20 (terminal processor 21) that executes the process of step S404 corresponds to the "split bill request unit."

[0090] When a split-bill request is received from the billing user terminal 20, more specifically, when split-bill request information is received, the server processor 41 executes a split-bill request distribution process in step S501. The split-bill request distribution process distributes the payment request information to, for example, the paying user terminal 30 to which the payment account is set. The payment request information includes payment information, which is information about the payment that is the subject of this split, biller information, and billing amount information. Furthermore, if the split-bill request information includes chat, the payment request information may also include chat information.

[0091] Thereafter, in step S502, the server processor 41 executes a process of storing split bill data Dsb, which is data related to the current split bill, in the split bill database 42d. Specifically, the server processor 41 assigns a new split bill ID and stores corresponding information based on the split bill request information received this time. In other words, the split bill data Dsb includes the split bill request information.

[0092] Incidentally, the server processor 41 is configured to assign a new split bill ID and generate split bill data Dsb each time split bill processing is performed, and store the data in the split bill database 42d. Therefore, split bill data Dsb is generated each time split bill processing is performed.

[0093] In the following step S503, the server processor 41 executes an estimation process for estimating the human relationships among a plurality of accounts based on the split payment data Dsb. <Estimation process> The estimation process will be described with reference to FIG.

[0094] 14, the server processor 41 first accesses the split bill database 42d in step S701 to acquire one or more pieces of split bill data Dsb. The acquired split bill data Dsb may be only the split bill data Dsb related to the current split bill processing, or may be some or all of the past split bill data Dsb that includes at least one of the current split bill participants.

[0095] In the following step S702, the server processor 41 accesses the user database 42c to acquire user information of the person to whom the bill will be split. Next, in step S703, the server processor 41 estimates the interpersonal relationships of the people to be splitting the bill this time, in other words, the interpersonal relationships between the multiple accounts to be splitting the bill this time, based on one or more splitting data Dsb and the user information of the people to be splitting the bill this time.

[0096] The human relationships to be estimated may have multiple categories. The multiple categories may include, for example, friends, lovers, family, coworkers, and roommates. The multiple categories may also include hobby relationships where people share a common hobby. The category of the estimated relationship may be the same as the category of information related to human relationships in the recommended attributes of the advertisement database 42b. In this case, an advertisement appropriate for the category of the estimated relationship may be provided.

[0097] In such a configuration, for example, the server processor 41 may infer human relationships based on store information in one or more pieces of split-bill data Dsb. For example, if splitting payments has been done multiple times at restaurants, cafes, commercial facilities, etc., the server processor 41 may infer that the human relationships between the multiple accounts involved in this split are friends. Furthermore, if the server processor 41 determines from the split-bill data Dsb that a payment at a gas station has been split, the server processor 41 may infer that the human relationships between the people involved in this split are friends. For example, if the payment store in the split-bill data Dsb is a golf course, the server processor 41 may infer that the human relationships between the people involved in this split-bill are golf buddies.

[0098] The server processor 41 may estimate the interpersonal relationships based on the frequency of splitting the bill. Specifically, the server processor 41 may identify the frequency with which splitting processing involving at least one of the multiple user accounts currently being split is performed. Then, the server processor 41 may estimate the interpersonal relationships based on the frequency.

[0099] For example, the server processor 41 may estimate the depth of a friendship based on the frequency of splitting the bill. Specifically, if the frequency of payments for the splitting bill is less than a threshold, the server processor 41 may estimate that the splitting bill recipients are in a normal friendship. On the other hand, if the frequency of payments for the splitting bill is equal to or greater than the threshold, the server processor 41 may estimate that the splitting bill recipients are in a close friendship.

[0100] The bill splitting process used to identify the frequency is not limited to the above, and may be any process. For example, the server processor 41 may be configured to extract only bill splitting processes in which the same parties split the bill.

[0101] The server processor 41 may infer the relationship between the parties from the payment dates and times of one or more split-bill data Dsb. If the current split-bill payment was made on a special day, the server processor 41 may infer that the current split-bill payment recipients are lovers. Special days include Christmas and Valentine's Day, for example. Furthermore, if split-bill payments are frequently made on holidays, the server processor 41 may infer that the current split-bill payment recipients are roommates.

[0102] For example, the server processor 41 may infer human relationships from the payment date and time and the payment store of one or more split-bill data Dsb. For example, if the payment store is a store that is frequently used for business or is located in a business district, and split-bill transactions involving payments that occur on weekday evenings are regularly conducted, the server processor 41 may infer that the people with whom the split-bill transaction is being conducted are coworkers.

[0103] The server processor 41 may infer a relationship between the people involved in the split payment data Dsb from one or more purchased items. For example, if the purchased items to be split include at least one of rent, utility bills, and household expenses, the server processor 41 may infer that the people involved in the split payment are roommates. For example, if the purchased item to be split is travel, the server processor 41 may infer that the people involved in the split payment are travel companions.

[0104] The server processor 41 may estimate the human relationships based on one or more pieces of split payment data Dsb and user information. For example, in a situation where the people currently splitting the bill frequently split payments at restaurants, cafes, commercial facilities, etc., the server processor 41 may refer to the age in the user information. If the people currently splitting the bill are of the same age, the server processor 41 may infer that they are friends. On the other hand, if there is a large age difference between the people currently splitting the bill, for example, if they are 20 years or older, the server processor 41 may infer that they are family (parent and child). The server processor 41 may also refer to the gender in the user information. If all the people currently splitting the bill are female, the server processor 41 may infer that they are friends who go on girls' nights out. The server processor 41 may also determine whether the people currently splitting the bill are nearby friends based on their location information.

[0105] The interpersonal relationships to be estimated may include the concept of the number of people. For example, the server processor 41 may estimate the number of people in the interpersonal relationships based on the number of people to split the bill in the splitting data Dsb. That is, the server processor 41 of this embodiment may estimate the number of people in the group based on the splitting data Dsb.

[0106] For example, if the estimated human relationship is that of friends and there are three people to split the bill, the server processor 41 may estimate that the people to split the bill are a group of three friends. For example, if a payment split process for a holiday restaurant is regularly performed by five people to split the bill, the server processor 41 may estimate that the five people are roommates. Additionally, if the server processor 41 estimates that the human relationship is that of lovers, it may automatically estimate that the people are a group of two.

[0107] The estimation process may be performed by a predetermined rule-based determination process or by a trained model that has been trained in advance. The trained model can be realized, for example, by associating split data Dsb for multiple accounts whose relationships are known in advance with the relationships and training the data.

[0108] Furthermore, at least one of the multiple categories may have further subdivided detailed categories. For example, the detailed category of family may include parent-child and siblings, and the detailed category of hobbies may include golfing buddies, camping buddies, travel buddies, and investment buddies. In this case, the server processor 41 may be configured to estimate which of the multiple categories a person belongs to and also estimate the detailed category of that category.

[0109] <Creating advertising data and delivering advertisements> As shown in FIG. 10, after executing the estimation process in step S503, the server processor 41 executes a first advertisement data generation process in step S504.

[0110] The first advertisement data generation process will be described with reference to FIG. As shown in FIG. 15, in step S801, the server processor 41 acquires the split bill data Dsb relating to the current split bill.

[0111] In step S802, the server processor 41 acquires the user information of the person who will split the bill this time. In step S803, the server processor 41 acquires information about human relationships that is the estimation result of the estimation process.

[0112] In step S804, the server processor 41 executes a process for identifying the distribution target, i.e., the target account for advertisement distribution. The distribution target may be some or all of the current split-payment target users. In this embodiment, the server processor 41 identifies the billing account as the distribution target.

[0113] However, the present invention is not limited to this, and the server processor 41 may specify the recipients of distribution based on personal relationships. For example, if the personal relationships are between friends, the server processor 41 may set all of the people who are to split the bill this time as recipients of distribution.

[0114] In steps S805 to S807, the server processor 41 performs a process of generating an advertisement based on personal relationships. In this embodiment, the server processor 41 generates personal relationship advertising data, which is an advertisement corresponding to the personal relationship estimated by the estimation process. That is, the information processing system 10 of this embodiment is configured to provide personal relationship advertising AD1, which is an advertisement corresponding to the personal relationship advertising data.

[0115] For example, when the human relationship is estimated to be family, the server processor 41 is configured to deliver a family advertisement as the human relationship advertisement AD1. This allows a family advertisement to be provided to the target account estimated to be family, so that an advertisement that is more likely to be of interest to the target account can be provided.

[0116] In this embodiment, the server processor 41 varies the content of the human relationship advertisement AD1 depending on the time interval T1 between the time of the splitting request and the time of payment for the items to be split. The time of the splitting request is the time when the splitting request process of step S404 or the splitting request distribution process of step S501 is performed. The time of payment is the time when the payment for the items to be split is performed, for example, the time when the process of step S201 is performed.

[0117] Specifically, in step S805, the server processor 41 determines whether the time interval T1 is equal to or less than a predetermined threshold interval Tth. The threshold interval Tth is, for example, 2 hours, 1 day, or 3 days. However, the threshold interval Tth is arbitrary.

[0118] If the time interval T1 is equal to or less than the threshold interval Tth, the server processor 41 proceeds to step S806 and executes a process of generating first human relationship advertisement data. The first personal relationship advertising data is advertising data that is personal relationship advertising and corresponds to payment information of a person to be split. The advertising data that corresponds to payment information of a person to be split may be advertising data for the same purchase type, for example.

[0119] For example, if the relationship is between friends and the payment to be split is at an izakaya, the first human relationship advertising data may be advertising data for a restaurant suitable for a second party between friends.For example, if the relationship is between roommates and the payment to be split is for furniture, the first human relationship advertising data may be advertising data for ornaments or interior decor.

[0120] As described above, the estimated personal relationships include the number of people. In this regard, the first personal relationship advertisement data may be set according to the number of people. For example, if the server processor 41 estimates that the personal relationships include a certain number of people or more, it may generate an advertisement for the certain number of people or more. The certain number of people is arbitrary, and may be, for example, two people or eight people. An advertisement for a certain number of people or more may be, for example, an advertisement with a coupon that provides a discount or a higher discount rate when a certain number of people or more use the restaurant. As an example, if the server processor 41 estimates that the personal relationships include a group of three friends based on the split-bill data Dsb, it may generate advertisement data for an izakaya restaurant that includes a coupon that provides a higher discount rate when three or more people use the restaurant.

[0121] The first interpersonal advertising data may be advertising data about a store nearby the store where the payment that is the subject of this split payment was made, or advertising data about a store nearby the current location of the person making the payment or the person to split the payment. In this case, the server processor 41 may generate advertising data about the nearby store by referencing the store location information included in the store information registered in the advertising database 42b.

[0122] If the time interval T1 is longer than the threshold interval Tth, the server processor 41 proceeds to step S807 and executes a process of generating second human relationship advertisement data. The second interpersonal advertising data is advertising corresponding to interpersonal relationships, and is advertising data relating to a purchase target of a different type from the purchase target included in the payment information of the target to be split. The advertising data relating to a purchase target of a different type from the purchase target included in the payment information of the target to be split may be, for example, advertising data relating to a purchase target of a different type.

[0123] For example, if the relationship is between friends and the payment to be split is at an izakaya, the second interpersonal relationship advertising data may be advertising data for a travel plan suitable for a trip between friends. For example, if the relationship is between lovers and the payment to be split is at a restaurant, the second interpersonal relationship advertising data may be advertising data for a movie with a discount coupon for two people.

[0124] Note that both sets of interpersonal advertising data are not limited to the above and may be arbitrary. For example, if the interpersonal relationships are golf buddies and the payment to be split is at a specific golf course, the first interpersonal advertising data may be advertising data for a facility attached to the specific golf course. In this case, the second interpersonal advertising data may be advertising data for another golf course. In other words, the second interpersonal advertising data may be advertising data related to the payment to be split.

[0125] 10, after executing the first advertising data generation process, the server processor 41 executes a request completion notification process in step S505. The request completion notification process includes a process of sending a request completion notification to the billing user terminal 20. The request completion notification is a notification indicating that the split-bill request delivery has been completed. In this embodiment, the request completion notification includes the human relationship advertising data generated in the first advertising data generation process.

[0126] When the terminal processor 21 of the billing user terminal 20 receives the request completion notification, the terminal processor 21 executes a request completion process in step S405. The request completion process includes a process in which the terminal processor 21 of the billing user terminal 20 displays a request completion screen 90.

[0127] As shown in Fig. 16, the request completion screen 90 displays a message informing users that the request has been completed. In this embodiment, the request completion screen 90 displays a human relationship advertisement AD1 based on human relationship advertisement data. As an example, if the payment to be split is for a visit to an izakaya, the human relationship is estimated to be that of friends, and the time interval T1 is equal to or less than the threshold interval Tth, the human relationship advertisement AD1 is a first human relationship advertisement AD11 (e.g., a bar) suitable for friends to use for an after-party.

[0128] 17, when the terminal processor 31 of the paying user terminal 30 receives payment request information, it executes payment processing in step S601. The payment processing is processing for paying the amount billed from the billing account. The payment processing includes processing in which the terminal processor 31 of the paying user terminal 30 displays the payment screen 100.

[0129] 18, the payment screen 100 displays the billing account name and the billing amount. For example, the payment screen 100 may display a chat from the billing account. For example, the payment screen 100 may be provided with a chat field 101 in which the payment account can be entered.

[0130] The terminal processor 31 of the paying user terminal 30 sends a payment request to the server 40 based on the payment operation. The payment request requests that a remittance process be performed to remit the billing amount to the billing account. For example, if the payment icon 102 is displayed on the payment screen 100, the payment operation is a tap or slide operation on the payment icon 102. However, the payment operation is not limited to this and is optional.

[0131] Upon receiving the payment request, the server processor 41 performs a remittance process in step S506. In detail, the remittance process is, for example, a process of subtracting the billing amount from the available balance of the payment account and a process of adding the billing amount to the available balance of the billing account.

[0132] In the subsequent step S507, the server processor 41 executes a second advertisement data generation process for generating advertisement data based on personal relationships. The second advertisement data generation process will be described.

[0133] As shown in FIG. 19, in step S901, the server processor 41 acquires the split bill data Dsb relating to the current split bill. In step S902, the server processor 41 acquires the user information of the person who will split the bill this time.

[0134] In step S903, the server processor 41 acquires information about human relationships that is the estimation result of the estimation process. In step S904, the server processor 41 identifies target accounts, i.e., user accounts of distribution targets. In this step S904, the server processor 41 identifies, for example, all split-payment targets as target accounts. Note that the target accounts are arbitrary.

[0135] In this embodiment, the server processor 41 provides different advertisements to the billing account and the payment account. In detail, for the billing account, the server processor 41 performs the processes of steps S905 to S907 in the same manner as in the first advertisement data generation process, and generates human relationship advertisement data.

[0136] On the other hand, for the payment account, the server processor 41 generates payer-related advertising data. The payer-related advertising data is advertising data corresponding to the payer (in other words, the billing account).

[0137] Specifically, in step S908, the server processor 41 acquires the favorite information of the billing account from the user information of the billing account. In the following step S909, the server processor 41 acquires advertising data related to the favorite information of the billing account from the advertising database 42b, and generates it as payer-related advertising data.

[0138] The advertising data related to the favorite information may be, for example, advertising data related to a purchase item frequently purchased by a user for whom the same favorite information is registered. For example, if a specific store is registered in the favorite information, the advertising data related to the favorite information may be advertising data related to a store similar to the specific store. For example, if a specific product is registered in the favorite information, the advertising data related to the favorite information may be advertising data related to a product similar to the specific product, or a new product from a manufacturer that sells the specific product.

[0139] As shown in FIG. 17, after executing the second advertisement data generation process, the server processor 41 proceeds to step S508. In step S508, the server processor 41 executes a payment completion notification process to send a payment completion notification to both the billing user terminal 20 and the paying user terminal 30. The payment completion notification is a notification that notifies that payment via the payment account has been completed.

[0140] Here, for example, the payment completion notice sent to the billing user terminal 20 may include human relationship advertising data. On the other hand, the payment completion notice sent to the paying user terminal 30 may include payer-related advertising data.

[0141] When the terminal processor 21 of the billing user terminal 20 receives the payment completion notification, in step S406 it executes a receipt notification process to notify the billing account that the billed amount has been received. In detail, the terminal processor 21 of the billing user terminal 20 displays a receipt notification screen 110.

[0142] As shown in FIG. 20, the receipt notification screen 110 displays the payment account name and a message indicating that a payment has been made from that payment account. In this embodiment, the receipt notification screen 110 displays a human relationship advertisement AD1 based on human relationship advertisement data. As an example, assume that the payment to be split is for a visit to an izakaya, the human relationship is estimated to be with friends, and the time interval T1 is longer than the threshold interval Tth. In this case, the human relationship advertisement AD1 may be a second human relationship advertisement AD12 that is suitable for friends but is a different type of advertisement from an izakaya, for example, an advertisement for a trip suitable for friends. In this case, if there are three people to be split, the advertisement may include a coupon that provides a discount when three or more people use the service.

[0143] As shown in FIG. 17, when the terminal processor 31 of the paying user terminal 30 receives the payment completion notice, it executes processing to display the payment completion screen 120 in step S602.

[0144] As shown in Figure 21, the payment completion screen 120 displays a message indicating that the payment has been completed. In this embodiment, the payment completion screen 120 displays a payer-related advertisement AD2 based on the payer-related advertisement data. As an example, if a specific izakaya is registered in the favorite information of the billing account, advertisements for izakayas similar to the specific izakaya, or for other izakayas that have been registered as favorites by a user who has registered the specific izakaya as a favorite, may be displayed.

[0145] In this embodiment, the server 40 or the server processor 41 that executes the estimation process corresponds to the “estimation unit,” and the server 40 or the server processor 41 that executes the processes of steps S504, S505, S507, and S508 corresponds to the “distribution unit.” The billing user terminal 20 (or the user processor 21) that executes the processes of steps S405 and S406 corresponds to the “advertisement display unit.”

[0146] <Operation of this embodiment> When the bill splitting process is performed, the interpersonal relationships between the multiple user accounts who are the splitters are estimated based on the splitting data Dsb. Then, based on the estimated interpersonal relationships, advertisements (e.g., interpersonal advertisements AD1 or payer-related advertisements AD2) are delivered to at least some of the multiple user accounts, for example, the billing account or all of the splitters.

[0147] <Effects of this embodiment> (1-1) The information processing system 10 is configured to execute a bill splitting process in which costs related to one or more payments are distributed among multiple user accounts. The information processing system 10 estimates the interpersonal relationships between the multiple user accounts based on bill splitting data Dsb, which is data related to the bill splitting process. The information processing system 10 delivers an advertisement to at least one target account of the multiple user accounts based on the estimation result of the estimation process.

[0148] With this configuration, the information processing system 10 can deliver advertisements to at least one target account among the multiple user accounts based on the human relationships between the multiple user accounts estimated based on the split payment data Dsb. This allows the information processing system 10 to provide advertisements that take human relationships into consideration, thereby providing advertisements that are more likely to interest the target account.

[0149] Incidentally, the information processing system 10 can be considered as an information processing method. In this case, the information processing method can be said to include a process in which the server 40, which is one or more information processing devices, estimates human relationships based on the split data Dsb and distributes advertisements based on the human relationships. This configuration also achieves the same effect as (1-1).

[0150] Similarly, the payment management program 42a can be said to cause the server 40 to function as an estimation unit that estimates human relationships based on the split data Dsb and as a distribution unit that distributes advertisements based on the human relationships.

[0151] It can also be said that the server 40 includes a distribution unit that distributes advertisements to target accounts based on the human relationships between a plurality of user accounts estimated using the split payment data Dsb.

[0152] (1-2) The splitting data Dsb is generated each time a splitting process is performed. The server 40 (more specifically, the server processor 41) of the information processing system 10 estimates human relationships based on a plurality of splitting data Dsb.

[0153] According to this configuration, the accuracy of estimating human relationships can be improved by estimating human relationships based on a plurality of split data Dsb. (1-3) The server 40 identifies the frequency of splitting transactions involving at least one of the multiple user accounts based on the multiple splitting data Dsb. Then, the server 40 uses the frequency as a parameter for estimating human relationships.

[0154] According to this configuration, for example, if the frequency is high, it is predicted that the relationship is close. Therefore, by using the frequency, it is possible to more accurately estimate the relationship between people. (1-4) The split payment data Dsb includes information about the payment that is the subject of the split payment process. The payment information includes the store where the payment is made and the date and time of the payment. The server 40 uses at least one of the payment amount, the store where the payment is made, and the date and time of the payment as a parameter for estimating the interpersonal relationship.

[0155] According to this configuration, by using at least one of the payment amount, the payment store, and the payment date and time included in the payment information, it is possible to improve the accuracy of estimating human relationships. (1-5) The server 40 estimates the human relationships based on the split data Dsb and the user information.

[0156] According to this configuration, by using user information in addition to the split data Dsb to estimate human relationships, it is possible to further improve the accuracy of human relationship estimation. (1-6) User information includes age and gender. The server 40 uses at least one of the age and gender of the multiple user accounts as a parameter for estimating human relationships.

[0157] According to this configuration, by using at least one of age and gender as a factor for estimating human relationships, it is possible to further improve the accuracy of estimating human relationships. (1-7) Human Relationships Contain Multiple Categories The server 40 estimates to which of multiple categories the human relationship belongs based on the split-the-bill data Dsb.

[0158] According to this configuration, by estimating the category, it is possible to provide an advertisement corresponding to that category. (1-8) The server 40 distributes a personal relationship advertisement AD1 corresponding to the estimated personal relationship.

[0159] According to this configuration, by providing the human relationship advertisement AD1, it is possible to provide a more interesting advertisement to the target account. (1-9) When the server 40 estimates that a plurality of user accounts are a group of a specific number of people, the server 40 distributes an advertisement for a group of more than the specific number of people as a personal relationship advertisement AD1.

[0160] According to this configuration, by providing an advertisement for a group of a certain number of people or more, it is possible to provide an advertisement that is beneficial to multiple people, thereby encouraging use within that group.

[0161] (1-10) The split-bill process includes a split-bill request process in which a billing account requests a payment account to split the bill. The server 40 changes the content of the advertisement depending on the time interval T1 between the time when the split-bill request process is made and the time when the payment that is the subject of the split-bill process is made.

[0162] According to this configuration, the content of the advertisement can be changed depending on the time interval T1 between the time of the bill split request and the time of payment, thereby providing advertisements suited to the situation. (1-11) The server 40 distributes a first personal relationship advertisement AD11 when the time interval T1 is equal to or shorter than the threshold interval Tth, and distributes a second personal relationship advertisement AD12 when the time interval T1 is longer than the threshold interval Tth. The first personal relationship advertisement AD11 is an advertisement corresponding to the estimated personal relationship and corresponding to the payment information that is the target of the split payment process. The second personal relationship advertisement AD12 is an advertisement corresponding to the estimated personal relationship and related to a purchase object of a different type from the purchase object included in the payment information that is the target of the split payment process.

[0163] If the time interval T1 is equal to or less than the threshold interval Tth, the time period from when the payment is made until when the bill is split is relatively short. In this case, it is highly likely that multiple users corresponding to multiple accounts are in close proximity or in real-time contact with each other.

[0164] In this regard, with this configuration, when the time interval T1 is equal to or less than the threshold interval Tth, timely advertisements can be provided by providing advertisements that correspond to personal relationships and payment information that is subject to split payment processing. For example, if it appears that the first party has just ended, an advertisement about the second party can be provided, or if it appears that a purchase has just been made at a camping store, an advertisement about camping goods that are good to purchase at the same time. Thus, advertisements that correspond to the user's situation can be provided.

[0165] In particular, in this embodiment, prior to the request completion notification process, the estimation of human relationships and the generation of human relationship advertisement data are performed, and the request completion notification process delivers the human relationship advertisement AD1 (for example, the first human relationship advertisement AD11). This allows the human relationship advertisement AD1 to be delivered before payment is made by the person splitting the bill. This shortens the period from the request for splitting the bill to the delivery of the advertisement, thereby improving the effectiveness of the advertisement delivery.

[0166] On the other hand, if the time interval T1 is longer than the threshold interval Tth, there is a high probability that the multiple users are separated or are not in real time contact with each other. In this regard, with this configuration, when the time interval T1 is longer than the threshold interval Tth, advertisements are delivered that correspond to personal relationships and relate to purchase items that are different in type from the purchase items included in the payment information for the purchase items to be split, thereby providing useful information that can be used by multiple users on different occasions.

[0167] (1-12) The billing user terminal 20 can communicate with the server 40. The billing user terminal 20 has a display 25. The payment application program 22a is a program for making payments using the billing user terminal 20. The payment application program 22a is a program for the billing user terminal 20 to execute the processing of step S404 and the processing of steps S405 and S406. The processing of step S404 is part of the split-bill processing and includes processing for sending split-bill request information to the server 40. The processing of steps S405 and S406 includes processing for displaying an advertisement based on the advertisement data on the display 25 based on the advertisement data acquired by the server 40. The split-bill request information includes a payment account that is the account to be paid among multiple user accounts, and the human relationships between the multiple user accounts are estimated based on the split-bill data Dsb including the split-bill request information. The advertisement displayed in the processing of steps S405 and S406 is a human relationship advertisement AD1 for the estimated human relationships. This achieves the effect of (1-1).

[0168] Second Embodiment The information processing system 10 of this embodiment is configured so that points (benefits) obtained through payments that are subject to splitting the bill can be distributed to the parties to split the bill. This point will be described below.

[0169] As shown in Fig. 22, the amount setting screen 80 of this embodiment is configured to display distribution points 200. The distribution points 200 are points obtained by the current payment to be split among the parties to the split. For example, if the points obtained by the current payment to be split are 60 points and there are three people to split the bill, the terminal processor 21 of the billing user terminal 20 may set the distribution points 200 to each party as 20 points.

[0170] The terminal processor 21 of the billing user terminal 20 may be configured to be able to change the distribution points 200. For example, the terminal processor 21 of the billing user terminal 20 may change the distribution points 200 by tapping on the area where the distribution points 200 are displayed, or an icon for changing the point distribution may be provided separately on the amount setting screen 80.

[0171] Furthermore, the information processing system 10 of this embodiment may be configured to be able to suggest a point distribution pattern based on human relationships. For example, in the split payment amount setting process of step S403, the terminal processor 21 of the billing user terminal 20 may request the server 40 to allocate the distribution points 200. When such a request is received, the server 40 (more specifically, the server processor 41) may estimate the interpersonal relationships of the people to split the payment, and provisionally set the distribution points 200 based on the estimation result.

[0172] The manner in which the distribution points 200 are set based on the estimation result is arbitrary. For example, if the estimated human relationship is that of colleagues and the age of the billing account is older than the age of the paying account, the server processor 41 may decrease the distribution points 200 of the billing account and increase the distribution points 200 of the paying account by that amount.

[0173] Thereafter, the server processor 41 performs processing to propose the provisionally set distribution points 200. In detail, the server processor 41 transmits the provisionally set distribution points 200 to the claimant user terminal 20. The terminal processor 21 of the claimant user terminal 20 displays the provisionally set distribution points 200 as an initial value, thereby proposing the distribution points 200. The function of the server processor 41 to transmit the provisionally set distribution points 200 to the claimant user terminal 20 and the function of the terminal processor 21 of the claimant user terminal 20 to display the provisionally set distribution points 200 as an initial value corresponds to the "distribution proposal unit."

[0174] The information processing system 10 may be configured to be able to cancel the distribution of points. For example, the terminal processor 21 of the billing user terminal 20 displays a distribution switching icon 201 on the amount setting screen 80.

[0175] 23, when a tap operation is performed on the distribution switching icon 201, the terminal processor 21 of the billing user terminal 20 may cancel the point distribution and erase the display related to the distribution points 200. In this case, when the distribution switching icon 201 is tapped again, the terminal processor 21 of the billing user terminal 20 may re-display the distribution points 200.

[0176] When the billing amount is finalized with the distribution points 200 set, the terminal processor 21 of the billing user terminal 20 executes the split bill request process, assuming that the distribution points 200 have also been finalized. The split bill request information sent to the server 40 by the split bill request process includes information about the distribution points 200.

[0177] If the split bill request information includes information about the distribution points 200, the server processor 41 transmits the information about the distribution points 200 to the paying account in the split bill request distribution process. The terminal processor 31 of the paying user terminal 30 may display the distribution points 200 on the payment screen 100 together with the bill amount.

[0178] In this embodiment, the split bill data Dsb may be configured to store the presence or absence of distribution points 200 and the distribution of those points. In detail, in the split bill data storage process of step S502, the server processor 41 may execute a process to store information about the distribution points 200 in the split bill data Dsb, similar to payment information, etc.

[0179] In this configuration, the server processor 41 may use information about the distribution points 200 included in the split data Dsb in the estimation process of step S503. That is, the server processor 41 may use information about the distribution points 200 as one of the parameters for estimating the human relationships between multiple user accounts. For example, if the distribution points 200 are equal, the server processor 41 may estimate that the human relationship is that of friends or roommates. For example, if there are two people splitting the bill and no points have been distributed, the server processor 41 may estimate that the human relationship between the two is that of family.

[0180] In this embodiment, in the remittance process of step S506, the server processor 41 of the server 40 may perform processing related to the distribution of points. In detail, the server processor 41 may execute processing to transfer the distribution points 200 from the points of the billing account to the payment account.

[0181] In this embodiment, the server 40 (more specifically, the server processor 41) that executes the process of step S202 corresponds to the "benefit granting unit," and the server 40 that executes the process of step S506 corresponds to the "benefit distributing unit."

[0182] According to the present embodiment described above in detail, the following advantageous effects are achieved. (2-1) The information processing system 10 includes a server 40 that functions as a reward granting unit and a reward distribution unit. The server 40 grants a reward to a payment account when a payment is made. When a split payment process is performed, the server 40 distributes reward points among multiple user accounts. The server 40 uses the point distribution results as a parameter for estimating human relationships.

[0183] According to this configuration, by dividing the benefits obtained by splitting the bill among multiple accounts, convenience and fairness for users can be improved. In this case, the degree of distribution of the benefits is likely to reflect interpersonal relationships. In this regard, according to this configuration, by using the results of the distribution of the benefits to estimate interpersonal relationships, the accuracy of the estimation of interpersonal relationships can be improved.

[0184] (2-2) The server processor 41 of the server 40 may suggest a mode of distribution of benefits based on personal relationships. According to this configuration, by proposing a mode of distributing the benefit based on personal relationships, the effort involved in distributing the benefit can be reduced.

[0185] In this embodiment, the server processor 41 is configured to propose a distribution mode of a benefit based on personal relationships, but this is not limited to this. For example, the server processor 41 may vary the distribution mode of a benefit depending on personal relationships. In particular, the server processor 41 may distribute the benefit in a state where the distribution mode of the benefit varies depending on personal relationships. The distribution mode of the benefit (e.g., points) is the same as the configuration related to the proposal. This allows the distribution of benefits to reflect personal relationships and reduces the effort related to distribution. In this case, the configuration for the user to change the distribution points 200 may be omitted.

[0186] Third Embodiment In this embodiment, the operation for splitting the bill and the setting of the amount for splitting the bill are different from those in the first embodiment. These differences will be explained below.

[0187] When an operation to start up the payment application is performed, the terminal processor 21, 31 causes the display 25, 35 to display the home screen 300 of the payment application. As shown in Fig. 24, the home screen 300 displays the available balance of the logged-in user account. The home screen 300 displays a remittance icon 301, which triggers remittance processing, and a billing icon 302, which triggers billing processing. Advertisements may also be displayed on the home screen 300. In this case, for example, a personal relationship advertisement AD1 corresponding to a personal relationship estimated in the most recent bill splitting processing may be displayed.

[0188] In this configuration, the information processing system 10 is configured to execute a series of money transfer processes for requesting and receiving an amount from the payment account based on a tap operation on the request icon 302. In addition, considering that money is transferred when splitting the bill, the money transfer process can also be considered a type of splitting the bill process.

[0189] The money transfer process is carried out by communication between the billing user terminal 20 and the paying user terminal 30 via the server 40. The money transfer process is made up of a billing process executed by the billing user terminal 20, a managed money transfer process executed by the server 40, and a payment process executed by the paying user terminal 30.

[0190] The remittance and receipt process will now be described in detail. 25, first, in step S1001, the terminal processor 21 of the billing user terminal 20 executes billing target person selection processing, which is the same as the billing target person selection processing in step S402.

[0191] In the next step S1002, the terminal processor 21 of the billing user terminal 20 executes a billing amount setting process to set the billing amount. The information processing system 10 of this embodiment is configured to set the total amount based on input by the user. Specifically, the terminal processor 21 of the billing user terminal 20 displays a total amount setting screen 310.

[0192] 26, total amount setting screen 310 displays, for example, a total amount field 311 that displays the total amount, a numeric keypad 312, and a confirmation icon 313. By operating numeric keypad 312, the total amount, i.e., the amount to be split, can be entered in total amount field 311.

[0193] When the total amount has been input and the confirmation icon 313 is tapped, the terminal processor 21 of the billing user terminal 20 displays the amount setting screen 80. In this case, the terminal processor 21 of the billing user terminal 20 calculates an initial value for the billing amount based on the total amount and the number of people to split the bill, and displays this initial value on the amount setting screen 80. Subsequent processing is the same as the split bill amount setting processing in step S403.

[0194] In step S1003, the terminal processor 21 of the billing user terminal 20 executes billing processing. The billing processing includes a process of transmitting billing information to the server 40. The billing information includes the payment account, the total amount, the billing amount for each payment account, and information about the chat.

[0195] Upon receiving the billing information, the server processor 41 executes a payment request distribution process in step S1101. The payment request distribution process transmits the payment request information to, for example, the payment user terminal 30. The payment request information includes biller information and billing amount information. In addition, if the billing information includes chat, the payment distribution information may also include chat.

[0196] In the next step S1102, the server processor 41 executes a process to estimate payment information related to the payment to be split this time based on the billing information. Specifically, the server processor 41 inquires about the payment history of the billing account to estimate payment information related to the current bill. For example, the server processor 41 searches the payment history of the billing account for payment information with an amount that is the same as or close to the total amount included in the billing information. If the server processor 41 finds matching payment information, it estimates that the payment information is the payment information to be split this time.

[0197] The manner in which payment information is estimated based on billing information is not limited to this and may be any. For example, server processor 41 may estimate that payment information made within a predetermined period prior to the time billing processing was executed is the payment information to be split this time.

[0198] Thereafter, in step S1103, the server processor 41 executes a process of storing the split-bill data Dsb including the estimated payment information. Then, in step S1104, the server processor 41 executes a process of estimating a human relationship based on the split-bill data Dsb including the estimated payment information.

[0199] The specific contents of the processes in steps S1103 and S1104 are the same as the processes in steps S502 and S503 in the first embodiment, and the processes in step S1105 and thereafter are the same as the processes in step S504 and thereafter in the first embodiment.

[0200] Furthermore, the processing from step S1004 onwards in the billing process is the same as the processing from step S405 onwards in the first embodiment, and the payment process is the same as the payment split process in the first embodiment, so detailed explanations will be omitted.

[0201] According to the present embodiment described above in detail, the following advantageous effects are achieved. (3-1) The information processing system 10 is configured to be able to execute a money transfer process for transferring money between multiple user accounts. The server processor 41 executes a process for estimating payment information related to the current transfer, specifically payment information to be split, based on information related to the money transfer process, specifically billing information. The server processor 41 then estimates human relationships based on split data Dsb including the estimated payment information.

[0202] According to this configuration, it is not necessary to link the payment information to be split this time to the split payment data Dsb, thereby improving user convenience. <Example of change> The above-described embodiments can be modified as follows: The above-described embodiments and the following modifications can be combined with each other within the scope of technical compatibility.

[0203] The server 40 may be configured to have, for example, a server 40 storing the advertisement database 42b and a server 40 storing the user database 42c separately. The server 40 may also be configured to have a payment database storing payment information separate from the split-bill database 42d. In this case, the server 40 may be configured to have a server 40 storing the split-bill database 42d and a server 40 storing the payment database separately. In other words, the number of servers 40 and the specific form of data management are arbitrary.

[0204] The system that performs the payment processing and the system that performs the split payment processing may be separate. In other words, the information processing system 10 does not need to be configured to perform the payment processing. In this case, the information processing system 10 may be configured to be able to communicate with the system that performs the payment processing via the network NT and to be able to obtain payment information.

[0205] The entity that executes the estimation process or the process of delivering an advertisement is arbitrary. For example, the estimation process may be configured to be executed by the user terminals 20 and 30. In this case, the server 40 may transmit information necessary for the estimation process to the user terminals 20 and 30. Also, for example, the information processing system 10 may be configured to separately include an estimation server that estimates human relationships. In this case, the information processing system 10 may be configured to transmit information necessary for the estimation to the estimation server, and to transmit the estimation results to a server that provides advertisements.

[0206] The user information including information related to human relationships does not necessarily have to be stored in the server 40, but may be stored in the terminal memories 22, 32 of the user terminals 20, 30. In this case, the user terminals 20, 30 can acquire the user information without communicating with the server 40.

[0207] The number of payments to be split is not limited to one, and may be multiple. In other words, the split payment process may be a process in which the costs relating to multiple payments are distributed among multiple user accounts. For example, the terminal processor 21 of the billing user terminal 20 may be configured to display a screen displaying multiple payment histories and allow the user to select payments to split on that screen. When multiple payments are selected by the user, the terminal processor 21 of the billing user terminal 20 may set these multiple payments as payments to be split and execute processing to split the total amount of expenses related to the multiple payments. For example, the terminal processor 21 of the billing user terminal 20 may set an initial amount to be charged based on the total amount of expenses related to the multiple payments and the number of people to split the bill.

[0208] In addition, when multiple payments are subject to splitting as described above, the time interval T1 may be the period from the latest payment among the multiple payments to the time of the splitting request, or it may be the period from the latest payment among the multiple payments to the time of the splitting request.

[0209] The parameter used to estimate the interpersonal relationships in the split payment data Dsb may be one parameter or a combination of multiple parameters. For example, chats stored in the bill splitting data Dsb may be used as parameters for estimating human relationships. For example, the server 40 may include an analysis unit that analyzes chats. If honorific or polite language is included in the chat, the server processor 41 may estimate the human relationships as hierarchical relationships such as senior / junior or superior / subordinate. On the other hand, if the chat is frank, the server processor 41 may estimate the human relationships as friends.

[0210] If the split data Dsb contains information about a specific genre, the server processor 41 may infer that multiple user accounts (split-bill recipients) are friends who are interested in the specific genre. In this case, the server processor 41 may deliver an advertisement about the specific genre as a human relationship advertisement AD1 to at least the paying account.

[0211] For example, if the split payment data Dsb includes information about golf, the server processor 41 may infer that the person splitting the payment is a golfing buddy. In this case, the server processor 41 may deliver a golf-related advertisement as a personal relationship advertisement AD1 to the payment account. This makes it easier to provide advertisements that interest users other than the payer. The split payment data Dsb includes information about golf, for example, when the payment location is a golf course and the purchased items are golf equipment.

[0212] That is, since the billing account is assumed to have made payments related to a specific genre, advertising related to the specific genre can be provided by advertising based on the payment history. On the other hand, since the paying account has not actually made purchase payments, advertising related to the specific genre cannot be provided by advertising based on the payment history.

[0213] In this regard, in the above modification, advertisements relating to a specific genre can be provided to the payment account, making it easier to provide advertisements of interest to accounts that have not made direct payments.

[0214] The terminal processor 21 of the billing user terminal 20 may change the initial value of the billing amount based on the estimated human relationship. For example, if the human relationship is estimated to be that of friends, the terminal processor 21 of the billing user terminal 20 may set the initial value to a value obtained by dividing the payment amount by the number of payment accounts. On the other hand, if the human relationship is estimated to be that of family, the terminal processor 21 of the billing user terminal 20 may set the initial value to an amount smaller than the value obtained by dividing the payment amount by the number of payment accounts. Furthermore, the terminal processor 21 of the billing user terminal 20 may change the initial value of the billing amount for a payment account estimated to have a junior relationship and a payment account estimated to have a senior relationship, among multiple payment accounts.

[0215] The timing and manner of providing the human relationship advertisement AD1 are arbitrary. For example, the human relationship advertisement AD1 may be provided by push notification to the user terminals 20 and 30 one day after the payment is made. The information processing system 10 may vary the timing of providing an advertisement based on personal relationships according to the time interval T1, thereby making it possible to provide an advertisement to a user at an appropriate time.

[0216] For example, the server processor 41 delivers an advertisement in the request completion notification process when the time interval T1 is equal to or shorter than the threshold interval Tth. On the other hand, the server processor 41 may deliver an advertisement in the payment completion notification process rather than the request completion notification process when the time interval T1 is longer than the threshold interval Tth. In other words, the information processing system 10 may be configured to display an advertisement on the request completion screen 90 when the time interval T1 is equal to or shorter than the threshold interval Tth, but to display an advertisement on the payment completion screen 120 when the time interval T1 is longer than the threshold interval Tth. In this case, it can be said that the time point at which the advertisement is presented is changed from the time point at which the split-bill request is completed to the time point at which payment is made.

[0217] According to this configuration, when the time interval T1 is relatively short, an advertisement is delivered in the request completion notification process, whereas when the time interval T1 is relatively long, an advertisement is delivered in the payment completion notification process. The payment completion notification process is a process that is performed after the request completion notification process. Therefore, when the time interval T1 is relatively short, advertisement delivery is performed relatively early, thereby enabling timely provision of advertisements. On the other hand, when the time interval T1 is relatively long, advertisement delivery is not performed immediately, but rather with a delay. This makes it possible to prevent users from having an excessive impression of the advertisement and to attempt to build a long-term relationship.

[0218] The information processing system 10 may be configured to adjust the timing of providing advertisements based on the location information of the person to whom the bill is to be split. For example, the server processor 41 may provide advertisements based on personal relationships when the person to whom the bill is to be split is within a predetermined distance.

[0219] In the above embodiments, different advertisements are provided depending on the time interval T1, but this is not limiting, and a common advertisement may be provided regardless of the time interval T1. The information processing system 10 does not necessarily have to include a store terminal 50. In this case, the information processing system 10 may be configured to include a code specific to the store and to perform payment by reading the code. In this case, the user terminal 20 may transmit a payment request to the server 40.

[0220] The screen display modes and various operation modes described in each embodiment are examples, and various modifications are possible taking into consideration visibility, operability, and the like. [Note] Below, aspects that can be understood from the above-described embodiments and modifications will be listed.

[0221] [1] a bill splitting processing unit that executes a bill splitting process for splitting costs relating to one or more payments among multiple user accounts; an estimation unit that estimates human relationships between the plurality of user accounts based on split payment data that is data related to the split payment process; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; An information processing system comprising:

[0222] [2] The splitting data is generated each time the splitting process is performed, the estimation unit estimates the human relationship based on a plurality of pieces of split-payment data; The information processing system according to [1] above.

[0223] [3] the estimation unit identifies a frequency with which a bill splitting process involving at least one of the plurality of user accounts is performed based on the plurality of bill splitting data, and uses the frequency as a parameter for estimating the human relationship; The information processing system according to [2] above.

[0224] [4] the split payment data includes payment information that is information regarding the one or more payments that are the subject of the split payment processing, The payment information includes a payment amount, a payment store, and a payment date and time. the estimation unit uses at least one of the payment amount, the payment store, and the payment date and time as a parameter for estimating the human relationship; The information processing system according to any one of the above items [1] to [3].

[0225] [5] the estimation unit estimates the human relationships based on the split payment data and user information registered in each of the plurality of user accounts; The information processing system according to any one of [1] to [4] above.

[0226] [6] The user information includes age and gender, the estimation unit uses at least one of the age and the gender of the plurality of user accounts as a parameter for estimating the human relationships; The information processing system according to [5] above.

[0227] [7] The human relationships include a plurality of categories; the estimation unit estimates to which of the plurality of categories the human relationship belongs based on the split bill data; The information processing system according to any one of [1] to [6] above.

[0228] [8] the distribution unit distributes, as the advertisement, a personal relationship advertisement corresponding to the personal relationship estimated by the estimation unit; The information processing system according to any one of [1] to [7] above.

[0229] [9] When the estimation unit estimates that the plurality of user accounts are a group of a specific number of people, the distribution unit distributes, as the interpersonal advertising, an advertisement for a group of more than the specific number of people. The information processing system according to [8] above.

[0230]

[10] The split payment process includes a split payment request process in which a billing account requests a split payment from a paying account; When the split bill data includes information about a specific genre, the estimation unit estimates that the human relationship is that of a friend who is interested in the specific genre, the distribution unit distributes the advertisement related to the specific genre as the interpersonal advertisement to at least the payment account among the plurality of user accounts; The information processing system according to [8] or [9] above.

[0231]

[11] The split payment process includes a split payment request process in which a billing account requests a split payment from a paying account; the distribution unit changes the content of the advertisement depending on the time interval between the time when the split payment request process is performed and the time when the payment that is the subject of the split payment process is performed. The information processing system according to any one of [1] to

[10] above.

[0232]

[12] When the time interval is equal to or less than a predetermined threshold interval, the distribution unit distributes an advertisement corresponding to the personal relationship and corresponding to payment information that is the target of the split payment processing, and when the time interval is longer than the threshold interval, the distribution unit distributes an advertisement corresponding to the personal relationship and related to a purchase object of a different type from the purchase object included in the payment information that is the target of the split payment processing. The information processing system according to

[11] above.

[0233]

[13] The split payment process includes a split payment request process in which a billing account requests a split payment from a paying account; the distribution unit varies the distribution time of the advertisement depending on the time interval between the time when the split-bill request process is performed and the time when the payment that is the subject of the split-bill process is performed. The information processing system according to any one of [1] to

[10] above.

[0234]

[14] The split payment process is a request completion notification process for notifying the billing account that the split bill request process has been completed; a payment completion notification process for notifying that payment by the payment account has been completed; Including, When the time interval is equal to or less than a predetermined threshold interval, the distribution unit distributes the advertisement through the request completion notification process, whereas when the time interval is longer than the threshold interval, the distribution unit distributes the advertisement through the payment completion notification process rather than through the request completion notification process. The information processing system according to

[13] above.

[0235]

[15] a reward granting unit that grants a reward to a payment account based on the payment being made; a benefit distribution unit that distributes the benefit among the plurality of user accounts when the split payment processing is performed; Equipped with the estimation unit uses the distribution result of the benefit as a parameter for estimating the human relationship. The information processing system according to any one of [1] to

[14] above.

[0236]

[16] a distribution suggestion unit that suggests a distribution mode of the benefit based on the human relationships; The information processing system according to

[15] above.

[0237]

[17] the benefit distribution unit varies the distribution manner of the benefit depending on the human relationship estimated by the estimation unit. The information processing system according to

[15] above.

[0238]

[18] a payment estimation unit that estimates a payment to be split based on information about the split payment process; The information processing system according to [1] above.

[0239]

[19] An information processing method using one or more information processing devices, Inferring human relationships among a plurality of user accounts based on split payment data, which is data related to a split payment process for allocating costs related to one or more payments among a plurality of user accounts; Delivering an advertisement to at least one target account of the plurality of user accounts based on the human relationships; Including, Information processing methods.

[0240]

[20] One or more information processing devices, an estimation unit that estimates human relationships between a plurality of user accounts based on split payment data, which is data related to a split payment process in which costs related to one or more payments are distributed among the plurality of user accounts; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; To function as, program.

[0241] [twenty one] A program for making a payment using a user terminal that can communicate with a server and has a display, The user terminal, a bill splitting request unit that executes a bill splitting request process, which is a part of a bill splitting process for allocating costs related to one or more payments among multiple user accounts, and transmits bill splitting request information to the server; an advertisement display unit that, based on the advertisement data acquired from the server, displays an advertisement based on the acquired advertisement data on the display; It functions as the split-bill request information includes an account to be paid among the plurality of user accounts; The human relationships between the plurality of user accounts are estimated based on bill splitting data including the bill splitting request information; The advertisement is a relationship advertisement corresponding to the relationships between a plurality of user accounts. program.

[0242] [twenty two] an estimation unit that estimates human relationships between a plurality of user accounts based on split payment data, which is data related to a split payment process in which costs related to one or more payments are distributed among the plurality of user accounts; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; An information processing device comprising:

[0243] [twenty three] a reward granting unit that grants a reward to a user account for which a payment has been made, based on the payment being made; a bill splitting processing unit that executes a bill splitting process for splitting costs relating to one or more payments among multiple user accounts; a benefit distribution unit that distributes the benefit among the plurality of user accounts when the split payment processing is performed; An information processing system comprising:

[0244] [twenty four] an estimation unit that estimates human relationships between a plurality of user accounts based on money transfer data, which is data related to money transfer processing for transferring money between the plurality of user accounts; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; An information processing system comprising:

[0245] [twenty five] An information processing method for distributing advertisements using one or more information processing devices, Inferring human relationships between a plurality of user accounts using money transfer data, which is data related to money transfer processing for transferring money between the plurality of user accounts; Delivering an advertisement to at least one target account of the plurality of user accounts based on the human relationships; An information processing method including:

[0246]

[26] One or more information processing devices, an estimation unit that estimates human relationships between a plurality of user accounts based on money transfer data, which is data related to money transfer processing for transferring money between the plurality of user accounts; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; A program that functions as a

[0247]

[27] A program for performing a money transfer process to transfer money between multiple user accounts using a user terminal that can communicate with a server and has a display, The user terminal, a billing unit that executes a billing process to transmit billing information to the server; an advertisement display unit that, based on the advertisement data acquired from the server, displays an advertisement based on the acquired advertisement data on the display; It functions as the billing information includes an account to be paid among the plurality of user accounts; The relationships between the plurality of user accounts are estimated based on the remittance and receipt data including the billing information; The advertisement is a relationship advertisement corresponding to the relationships between a plurality of user accounts. program.

[0248]

[28] an estimation unit that estimates human relationships between a plurality of user accounts based on money transfer data, which is data related to money transfer processing for transferring money between the plurality of user accounts; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; An information processing device comprising:

[0249] The problems that focus on the above aspects

[24] to

[28] are as follows: Here, in addition to the split payment process described above, there are cases where a money transfer process is performed in which money is transferred between multiple user accounts. The inventors of the present application have found that there is room for utilizing money transfer data, which is data related to money transfer processes. The purpose of the present disclosure is to provide effective advertising using the money transfer data.

[0250] Note that, focusing on the above aspects

[24] to

[28] , the data used to estimate human relationships is not limited to the configuration using split payment data Dsb, but may also be configured to use money transfer data, which is data related to money transfer processing. In other words, the estimation unit is not limited to a configuration based on data related to split payment processing, but may also be configured to make estimations based on data related to money transfer processing in which money is transferred between multiple user accounts. Furthermore, the money transfer data may not include payment information. Even in this case, the information processing system 10 may estimate human relationships based on the frequency of money transfers, amounts, chat content, user information of multiple user accounts, etc. [Explanation of symbols]

[0251] 10...information processing system, 20, 30...user terminal, 21, 31...terminal processor, 22, 32...terminal memory, 22a, 32a...payment application program, 25, 35, 45, 55...display, 40...server, 41...server processor, 42...server memory, 42a...payment management program, 42b...advertising database, 42c...user database, 42d...split bill database, 50...store terminal, 51...store processor, 52...store memory 61...Payment completion screen, 63...Split bill icon, 70...Target selection screen, 80...Amount setting screen, 90...Request completion screen, 100...Payment screen, 110...Receipt notification screen, 120...Payment completion screen, 200...Distribution points, 300...Home screen, 310...Total amount setting screen, AD1...Interpersonal relationship advertisement, AD11...First interpersonal relationship advertisement, AD12...Second interpersonal relationship advertisement, AD2...Payer related advertisement, T1...Time interval, Tth...Threshold interval, Dsb...Split bill data.

Claims

1. a bill splitting processing unit that executes a bill splitting process for splitting costs relating to one or more payments among multiple user accounts; an estimation unit that estimates human relationships between the plurality of user accounts based on split payment data that is data related to the split payment process; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; An information processing system comprising:

2. The splitting data is generated each time the splitting process is performed, the estimation unit estimates the human relationship based on a plurality of pieces of split-payment data; The information processing system according to claim 1 .

3. the estimation unit specifies a frequency with which a bill splitting process involving at least one of the plurality of user accounts is performed based on the plurality of bill splitting data, and uses the frequency as a parameter for estimating the human relationship; The information processing system according to claim 2 .

4. the split payment data includes payment information that is information regarding the one or more payments that are the subject of the split payment processing, The payment information includes a payment amount, a payment store, and a payment date and time. the estimation unit uses at least one of the payment amount, the payment store, and the payment date and time as a parameter for estimating the human relationship; The information processing system according to claim 1 .

5. the estimation unit estimates the human relationships based on the split payment data and user information registered in each of the plurality of user accounts; The information processing system according to claim 1 .

6. The user information includes age and gender, the estimation unit uses at least one of the ages and the genders of the plurality of user accounts as a parameter for estimating the human relationships; The information processing system according to claim 5 .

7. The human relationships include a plurality of categories; the estimation unit estimates to which of the plurality of categories the human relationship belongs based on the split payment data; The information processing system according to claim 1 .

8. the distribution unit distributes, as the advertisement, a human relationship advertisement corresponding to the human relationship estimated by the estimation unit; The information processing system according to claim 1 .

9. When the estimation unit estimates that the plurality of user accounts are a group of a specific number of people, the distribution unit distributes, as the interpersonal advertising, an advertisement for a group of more than the specific number of people. The information processing system according to claim 8 .

10. The split payment process includes a split payment request process in which a billing account requests a split payment from a paying account; When the split bill data includes information about a specific genre, the estimation unit estimates that the human relationship is that of a friend who is interested in the specific genre, the distribution unit distributes the advertisement related to the specific genre as the interpersonal advertisement to at least the payment account among the plurality of user accounts; The information processing system according to claim 8 .

11. The split payment process includes a split payment request process in which a billing account requests a split payment from a paying account; the distribution unit changes the content of the advertisement depending on the time interval between the time when the split payment request process is performed and the time when the payment that is the subject of the split payment process is performed. The information processing system according to claim 1 .

12. When the time interval is equal to or less than a predetermined threshold interval, the distribution unit distributes an advertisement corresponding to the personal relationship and corresponding to payment information that is the target of the split payment processing, and when the time interval is longer than the threshold interval, the distribution unit distributes an advertisement corresponding to the personal relationship and related to a purchase object of a different type from the purchase object included in the payment information that is the target of the split payment processing. The information processing system according to claim 11.

13. The split payment process includes a split payment request process in which a billing account requests a split payment from a paying account; the distribution unit varies the distribution time of the advertisement depending on the time interval between the time when the split-bill request process is performed and the time when the payment that is the subject of the split-bill process is performed. The information processing system according to claim 1 .

14. The split payment process is a request completion notification process for notifying the billing account that the split bill request process has been completed; a payment completion notification process for notifying that payment by the payment account has been completed; Including, When the time interval is equal to or less than a predetermined threshold interval, the distribution unit distributes the advertisement through the request completion notification process, whereas when the time interval is longer than the threshold interval, the distribution unit distributes the advertisement through the payment completion notification process rather than through the request completion notification process. The information processing system according to claim 13.

15. a reward granting unit that grants a reward to a payment account based on the payment being made; a benefit distribution unit that distributes the benefit among the plurality of user accounts when the split payment processing is performed; Equipped with the estimation unit uses the distribution result of the benefit as a parameter for estimating the human relationship. The information processing system according to claim 1 .

16. the benefit distribution unit varies a distribution manner of the benefit depending on the human relationship estimated by the estimation unit.

16. The information processing system according to claim 15.

17. An information processing method using one or more information processing devices, Inferring human relationships among a plurality of user accounts based on split payment data, which is data related to a split payment process for allocating costs related to one or more payments among a plurality of user accounts; Delivering an advertisement to at least one target account of the plurality of user accounts based on the human relationships; Including, Information processing methods.

18. One or more information processing devices, an estimation unit that estimates human relationships between a plurality of user accounts based on split payment data, which is data related to a split payment process in which costs related to one or more payments are distributed among the plurality of user accounts; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; To function as, program.

19. A program for making a payment using a user terminal that can communicate with a server and has a display, The user terminal, a bill splitting request unit that executes a bill splitting request process, which is a part of a bill splitting process for allocating costs related to one or more payments among multiple user accounts, and transmits bill splitting request information to the server; an advertisement display unit that, based on the advertisement data acquired from the server, displays an advertisement based on the acquired advertisement data on the display; It functions as the split-bill request information includes an account to be paid among the plurality of user accounts; The human relationships between the plurality of user accounts are estimated based on bill splitting data including the bill splitting request information; The advertisement is a relationship advertisement corresponding to the relationships between a plurality of user accounts. program.

20. an estimation unit that estimates human relationships between a plurality of user accounts based on split payment data, which is data related to a split payment process in which costs related to one or more payments are distributed among the plurality of user accounts; a distribution unit that distributes an advertisement to at least one target account of the plurality of user accounts based on the estimation result of the estimation unit; An information processing device comprising:

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