Information processing device, information processing method, and program

Abstract

To provide technology that enables multiple users to make payments jointly. [Solution] An information processing device having a storage unit that stores the setting of the amount ratio among multiple users for a joint account that multiple users can use to make payments together, and a payment processing unit that, when a payment is made using the joint account, executes a payment processing for each of the multiple users for an amount determined for each user based on the payment amount and the amount ratio.

Description

Technical Field

[0001] The present invention relates to an information processing apparatus, an information processing method, and a program.

Background Art

[0002] Currently, credit cards are issued by various financial institutions. For example, Patent Document 1 discloses a technique that allows a credit card member to monitor unauthorized use of the credit card by themselves.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Credit cards are provided with a mechanism that allows multiple users to be linked to one account, such as a family card. By using a family card, the principal member can pay the settlement usage amounts of the family members who live together with the principal member in a lump sum. The use of a family card is limited to a spouse or the like who shares the same livelihood as the principal member. That is, even if they share the same livelihood, if they are not in a marital relationship, they cannot use a family card.

[0005] However, in recent years, the form of families has been changing, and there are cases that cannot be covered by the conventional family model that assumes a marital relationship and shares the same livelihood. For example, new family models such as cohabiting or same-sex couples, and people who live together in a share house have emerged. Although they are not in a marital relationship, they actually share the same livelihood. Therefore, a settlement means corresponding to a new family model different from the conventional family model is desired.

[0006] Therefore, the present invention aims to provide a technology that enables multiple users to make payments jointly. [Means for solving the problem]

[0007] An information processing device according to one aspect of the present invention includes a storage unit that stores the setting of the amount ratio among multiple users for a joint account that can be used jointly by multiple users for settlement, and a settlement processing unit that, when settlement is made using the joint account, executes settlement processing for each of the multiple users for an amount determined for each user based on the settlement amount and the amount ratio. [Effects of the Invention]

[0008] According to the present invention, it is possible to provide a technology that enables multiple users to make payments jointly. [Brief explanation of the drawing]

[0009] [Figure 1] This figure shows an example configuration of the information processing system according to this embodiment. [Figure 2] This figure shows an example of the hardware configuration of an information processing device. [Figure 3] This figure shows an example of the functional block configuration of an information processing device. [Figure 4] This diagram shows a concrete example of a joint account. [Figure 5] This flowchart shows an example of the processing procedure for receiving a payment. [Figure 6] This flowchart shows an example of the processing procedure for payment processing. [Figure 7] This is a diagram illustrating payments made using a prepaid shared account. [Figure 8] This is a flowchart showing an example of the processing procedure for cancellation. [Figure 9] This is a diagram illustrating a specific example of the cancellation process. [Figure 10] This is a diagram showing an example of a dashboard. [Modes for carrying out the invention]

[0010] Embodiments of the present invention will be described with reference to the attached drawings. In each drawing, components denoted by the same reference numerals have the same or similar configurations.

[0011] <System Configuration> Figure 1 shows an example configuration of an information processing system according to this embodiment. As shown in Figure 1, the information processing system 1 includes an information processing device 10, one or more user terminals 20, and one or more financial service provider devices 30. The information processing device 10 and the user terminals 20 are connected via a communication network and can communicate with each other. In addition, the information processing device 10 and the financial service provider devices 30 are connected via a communication network and can communicate with each other.

[0012] The information processing device 10 consists of one or more servers, and manages accounts that can be used jointly by multiple users for payment (hereinafter referred to as "joint accounts"), and performs payment processing using joint accounts.

[0013] The user terminal 20 is a device used by the user and may be, for example, a smartphone, tablet, personal computer, or smartwatch. The user terminal 20 displays the information output by the information processing device 10. The user terminal 20 may also have an application installed for managing shared accounts, and various settings related to the shared account may be configured using this application.

[0014] The financial institution device 30 is used by payment service providers such as banks, credit card companies, and electronic payment service companies. The financial institution device 30 manages user accounts provided by each payment service provider.

[0015] Next, the joint account provided by the information processing apparatus 10 will be described. A joint account is an account that can be jointly used for settlement by a plurality of users linked to the joint account. A number corresponding to a credit card number is assigned to each user for the joint account, and a user linked to the joint account can use the joint account for settlement by presenting the number assigned to themselves at the time of settlement. In the following description, unless otherwise specified, "a plurality of users" means a plurality of users linked to the joint account. The plurality of users are intended to be users who, although not in a marital relationship, actually share a livelihood, but are not limited to this. That is, the plurality of users do not need to be in a marital relationship, nor do they need to be in a family relationship in the household register. That is, the plurality of users can be in any relationship.

[0016] The joint account may be a prepaid type or a postpaid type. Also, an amount ratio among a plurality of users is set for the joint account. When the joint account is of the prepaid type, a plurality of users deposit (charge) a predetermined amount into the balance of the joint account in advance. Also, when settlement is made using the joint account, the settlement amount is deducted (subtracted) from the balance of the joint account. When the joint account is of the prepaid type, the amount ratio is used to divide the balance by user. For example, assume that user A and user B are linked to the joint account, the amount ratio between user A and user B is 1:1, and the balance of the joint account is 20,000 yen. In this case, it means that 10,000 yen of the balance is the money of user A and the remaining 10,000 yen is the money of user B.

[0017] In addition, when settlement is made, the amount ratio also means that the settlement is made according to the amount ratio. For example, when a settlement of 10,000 yen is made with the joint account, 10,000 yen will be paid from the balance. As described above, out of the balance of 20,000 yen before settlement, 10,000 yen is the money of user A, and the remaining 10,000 yen is the money of user B. Also, out of the balance of 10,000 yen after settlement, 5,000 yen is the money of user A, and the remaining 5,000 yen is the money of user B. That is, since user A and user B each paid 5,000 yen, the settlement was made according to the ratio of 1 to 1, which is the amount ratio.

[0018] In addition, when all or part of a plurality of users cancel a prepaid-type joint account, the money corresponding to the amount ratio out of the balance is refunded to the user who cancels. For example, assume that user A, user B, and user C are linked to the joint account, the amount ratio between the users is 1 to 1 to 1, and the balance of the joint account is 30,000 yen. In this case, when user A cancels the joint account, 10,000 yen may be refunded to user A.

[0019] On the other hand, when the joint account is a postpaid type, a plurality of users register settlement means in advance. The registerable settlement means includes any settlement means such as credit cards, bank accounts, and electronic money. When settlement is made with the joint account, the settlement amount corresponding to the amount ratio is billed to each of the plurality of users. That is, when the joint account is a postpaid type, the amount ratio is used to allocate the settlement amount to each user. For example, assume that user A and user B are linked to the joint account, and the amount ratio between user A and user B is 1 to 1. For example, when a settlement of 10,000 yen is made with the joint account, 5,000 yen will be billed to each of the settlement means of user A and the settlement means of user B.

[0020] In addition, when all or part of a plurality of users cancel a postpaid-type joint account, since there is no balance in the postpaid-type joint account, no refund process is particularly performed.

[0021] Whether a joint account is prepaid or postpaid can be set on a per-joint account basis or on a per-user basis. If set on a per-user basis, users who have set up a prepaid account may be processed in the same way as if the joint account were prepaid, and users who have set up a postpaid account may be processed in the same way as if the joint account were postpaid.

[0022] For example, suppose a joint account is linked to users A, B, and C, with a 1:1:1 ratio of spending between users, and users A and B are prepaid while user C is postpaid. Also, assume the balance is 20,000 yen. In this case, if a payment of 30,000 yen is made, 10,000 yen will be paid to each of users A, B, and C. Therefore, 20,000 yen will be deducted from the joint account balance, and 10,000 yen will be charged to user C's payment method.

[0023] Furthermore, if User A cancels the joint account, since the ratio of prepaid accounts between User A and User B is 1:1, 10,000 yen of the 20,000 yen balance will be refunded to User A. However, if User C cancels the joint account, since User C is a postpaid user, no refund will be made from the balance.

[0024] <Hardware Configuration> Figure 2 shows an example of the hardware configuration of the information processing device 10. The information processing device 10 includes a processor 11 such as a CPU (Central Processing Unit) and a GPU (Graphics Processing Unit), a storage device 12 such as memory (e.g., RAM (Random Access Memory) or ROM (Read Only Memory)), an HDD (Hard Disk Drive) and / or an SSD (Solid State Drive), a communication IF (Network Interface) 13 for wired or wireless communication, and an input / output device 14 for receiving input operations and outputting information. The input / output device 14 is, for example, a keyboard, a touch panel, a mouse, a microphone, a display, a touch panel and / or a speaker.

[0025] <Functional Block Configuration> Figure 3 shows an example of the functional block configuration of the information processing device 10. The information processing device 10 includes a storage unit 100, a reception unit 101, a management unit 102, a settlement processing unit 103, a cancellation processing unit 104, a setting unit 105, and a display control unit 106. The storage unit 100 can be implemented using a storage device 12 provided by the information processing device 10. The reception unit 101, the management unit 102, the settlement processing unit 103, the cancellation processing unit 104, the setting unit 105, and the display control unit 106 can be implemented by the processor 11 of the information processing device 10 executing a program stored in the storage device 12. The program can be stored in a storage medium. The storage medium storing the program may be a non-transitory computer-readable medium. The non-transitory storage medium is not particularly limited, but may be a storage medium such as a USB (Universal Serial Bus) memory or a CD-ROM (Compact Disc Read-Only Memory).

[0026] The storage unit 100 stores joint account information 100a, which stores various information about a joint account that can be used jointly by multiple users for settlement. The storage unit 100 also stores the setting of the amount ratio among multiple users for the joint account. The joint account information 100a may store, for example, information about the user associated with the joint account, balance, settlement history, and the setting value of the amount ratio. The information about the user may also include user attribute information (type of individual or legal entity, name, legal entity name, trade name, address, telephone number, email address, occupation, industry, annual income, credit information such as loans, etc.), user ID and authentication information, settlement information (credit card number, settlement ID, etc.), method of depositing funds into the joint account (bank transfer, direct debit, real-time deposit, credit card payment, etc.), deposit cycle (as needed, periodic, etc.), deposit amount per transaction (arbitrary, fixed, set amount), information indicating the associated joint account, information indicating whether or not the user is designated as a privileged user, and the period of use of the joint account.

[0027] The reception unit 101 receives various information from the user (or user terminal 20). The reception unit 101 may also receive setting of amount ratios from a designated user (e.g., a privileged user) among multiple users. The reception unit 101 may also receive designation of a designated user from among multiple users to cancel the joint account. The reception unit 101 may also accept setting of usage restrictions that indicate conditions for restricting payments on the joint account.

[0028] Furthermore, the reception unit 101 may accept requests to set privileged accounts for all or specific users among multiple users. Users with privileged accounts (hereinafter referred to as "privileged users") may be able to set monetary ratios and / or usage restrictions on behalf of multiple users. On the other hand, users without privileged accounts may not be able to set monetary ratios and / or usage restrictions. In addition, when the reception unit 101 sets a privileged account for a designated user, it may obtain approval from the other users among the multiple users that it is permissible to set a privileged account for the designated user. Alternatively, the privileged account may be set for the designated user only after approval has been obtained from all users other than the designated user.

[0029] The amount to be deposited into the joint account balance may be set based on instructions from the user making the deposit, or it may be set by obtaining approval from a non-privileged user based on information set by a privileged user. Furthermore, the reception unit 101 may accept cancellation of the joint account from a privileged user, from the user canceling the account themselves, or by agreement of both the privileged user and the user canceling the account. In addition, the system may allow privileged users to set viewing permissions for the user terminal 20 screen.

[0030] The usage restrictions may include, for example, restrictions on the payment methods used for deposits (in the case of prepaid accounts) or payments (in the case of postpaid accounts), restrictions on payment locations (stores, industries, regions, etc.) where the shared account can be used, restrictions on the time periods during which the shared account can be used, restrictions on the frequency of payments using the shared account (e.g., up to 5 times per user per day), and restrictions on the use of the shared account itself. Furthermore, the usage restrictions may be set using a blacklist or a whitelist. In addition, usage restrictions may be set by requiring all other users to approve the restrictions specified by the privileged user.

[0031] The management unit 102 uses the joint account information 100a to manage various information related to the joint account, as well as information about multiple users associated with the joint account. The management unit 102 also adds the amount deposited into the joint account by each of the multiple users to the balance of the joint account.

[0032] When a payment is made using a shared account, the settlement processing unit 103 executes a settlement process for each of the multiple users, for an amount determined for each user based on the payment amount and the amount ratio of the payment. Alternatively, when a payment is made using a shared account, the settlement processing unit 103 may execute the settlement process for each of the multiple users by subtracting the payment amount from the balance of the shared account. Alternatively, when a payment is made using a shared account, the settlement processing unit 103 may execute the settlement process by transmitting the amount determined for each user based on the payment amount and the amount ratio of the payment to the postpaid payment device used by each of the multiple users. Furthermore, when a payment is made using a shared account, the settlement processing unit 103 may execute the settlement process only if the payment does not fall under any usage restrictions.

[0033] Furthermore, the settlement processing unit 103 performs processing related to deposits into the balance of the joint account (for example, withdrawal processing from the financial institution device 30 and billing processing to credit cards).

[0034] The cancellation processing unit 104 refunds a portion of the joint account balance to a designated user who cancels the joint account, in proportion to the amount corresponding to that designated user.

[0035] The setting unit 105 performs the process of setting the amount ratio. For example, the setting unit 105 may be configured to automatically set the amount ratio based on the deposit amounts of multiple users. For example, if user A's deposit amount per transaction is 50,000 yen and user B's deposit amount per transaction is 100,000 yen, the setting unit 105 may be configured to set the amount ratio between user A and user B to 1:2.

[0036] The display control unit 106 causes the user terminal 20 to display various user interface screens related to the joint account. The display control unit 106 also causes the user terminal 20 to display a screen for accepting setting the amount ratio and a screen for displaying the set amount ratio. The display control unit 106 may also cause the user terminal 20 to display a screen for displaying the balance, a screen for setting privileged users, a screen for setting the deposit amount, a screen for setting the deposit cycle, a screen for displaying the settlement history, and / or a screen for accepting requests to cancel the joint account.

[0037] The user interface screen may be displayed on a web browser on the user terminal 20, or it may be displayed on an application installed on the user terminal 20. Furthermore, the display control unit 106 may provide the user interface to applications different from the one installed on the user terminal 20, and to other businesses, through an SDK (Software Development Kit) and an API (Application Programming Interface).

[0038] <Joint Account> Figure 4 shows a specific example of a joint account. In the case of a prepaid joint account, as shown in A of Figure 4, the amount ratio and balance for each user are managed. The amount ratio may be set fixedly in advance, set according to predetermined rules, set to the same ratio among multiple users, or set to any ratio. When a payment is made with a prepaid joint account, the payment amount is deducted from the balance.

[0039] In the case of a postpaid shared account, the proportion of each user's contribution is managed as shown in Figure 4B. The proportion of contributions may be fixed in advance, set according to predetermined rules, set to the same proportion among multiple users, or set to any proportion. When a payment is made using a postpaid shared account, the amount corresponding to the proportion of contributions will be charged to each user's payment method, such as a credit card.

[0040] In the case of a shared account with a mix of prepaid and postpaid accounts, the percentage of each user's spending and their balance are managed as shown in Figure 4C. In the example in Figure 4C, users A and B have set up prepaid accounts, while user C has set up a postpaid account. When a payment is made using the shared account shown in Figure 4C, the payment amount corresponding to user A's spending percentage and the payment amount corresponding to user B's spending percentage are added together and deducted from the balance, and the payment amount corresponding to user C's spending percentage is charged to user C's credit card or other payment method.

[0041] <Processing Procedure> The following will provide a detailed explanation of the processing procedures performed by the information processing device 10, using diagrams. In the following explanation, it will be assumed that users A, B, and C are associated with the shared account. Furthermore, various settings related to the shared account will be performed by a privileged user.

[0042] (Payment processing) Figure 5 is a flowchart illustrating an example of the processing procedure for deposits. Deposit processing is performed for prepaid joint accounts and joint accounts that combine prepaid and postpaid accounts.

[0043] First, if the joint account is a prepaid type, the reception unit 101 receives from the privileged user the setting of the amount to be deposited into the joint account balance, the deposit cycle, and the deposit method (S10). For example, if "10,000 yen per month" is set as the deposit amount and deposit cycle, and bank transfer is set as the deposit method, then 10,000 yen will be transferred each month from the bank accounts of User A, User B, and User C to the joint account balance.

[0044] Next, the management unit 102 adds the amount deposited into the joint account from each user's bank account or other account to the balance of the joint account (S11).

[0045] (Payment processing) Figure 6 is a flowchart illustrating an example of the processing procedure for payment processing. First, the payment processing unit 103 receives payment processing requests for the joint account through the financial institution's network, etc. (S20). For example, if user A selects to pay using a joint account on an e-commerce (EC) site, the payment processing unit 103 receives a payment request from the EC site through the financial institution's network, etc. The payment request includes at least the payment amount. Next, the payment processing unit 103 executes the payment processing (S21).

[0046] Figure 7 illustrates a payment process using a prepaid shared account. For example, suppose user A purchases an item for 10,000 yen and chooses to pay using the shared account. Also, suppose the balance in the shared account is 40,000 yen. In this case, the payment processing unit 103 performs the payment by subtracting 10,000 yen from the balance.

[0047] Furthermore, if the joint account is postpaid, the settlement processing unit 103 charges each user's chosen payment method for an amount proportional to their respective account balance. In the case of a joint account with a mix of prepaid and postpaid accounts, the unit deducts an amount proportional to their respective account balance from the balance and also charges the payment methods of users who have set up postpaid accounts.

[0048] (Cancellation process) Figure 8 is a flowchart illustrating an example of the processing procedure for canceling a joint account, whether it be a prepaid account or a mixed prepaid and postpaid account. First, the reception unit 101 receives a designation from a privileged user for a user to cancel the joint account from among the users associated with the joint account (S30). Next, the cancellation processing unit 104 calculates the amount to be refunded to the designated user who has set up a prepaid account, based on the balance and the ratio of the joint account amount, and transfers the calculated amount to the designated user's bank account, etc. (S31).

[0049] Figure 9 illustrates a specific example of the cancellation process. As shown in Figure 9, assume that the ratio of amounts for users A, B, and C is 2:1:1. Also, assume that the balance is 40,000 yen. In this case, the amount of the balance that is user C's share (1 / 4) is 10,000 yen. Therefore, when user C cancels the joint account, the cancellation processing unit 104 transfers 10,000 yen (1 / 4 of 40,000 yen) to user C's bank account, etc., and also subtracts 30,000 yen from the balance of the joint account. The cancellation processing unit 104 also removes user C from the list of users associated with the joint account.

[0050] (Dashboard) Figure 10 shows an example of a dashboard. For example, the display control unit 106 may display the dashboard shown in Figure 10 on the screen of the user terminal 20. The dashboard shown in Figure 10 displays the usernames of users linked to the joint account, the percentage of amounts between users, the balance, and the payment history. It also includes buttons for setting privileged users, setting percentages, setting the amount per transaction for each user, and setting the deposit cycle.

[0051] (Variations regarding monetary ratios and refund processing) The amount ratio may be set to the ratio of the deposit amounts, or a different ratio may be set. For example, if users A, B, and C deposit 40,000 yen, 20,000 yen, and 20,000 yen respectively, the setting unit 105 may set the amount ratio to 2:1:1.

[0052] The percentage of the amount may be set to a fixed amount for most users. For example, User A may receive 30,000 yen, User B 10,000 yen, and User C 5,000 yen from their balance minus the fixed amounts for Users A and B. In this case, if all users cancel the joint account, User A will receive 30,000 yen, User B 10,000 yen, and User C 40,000 yen from their balance. It may also be possible to set a priority order for refunds among multiple users. For example, suppose the priority order is Users A, B, and C, and the balance is 35,000 yen. In this case, if all users cancel the joint account, User A will receive 30,000 yen, User B 5,000 yen, and User C will receive nothing.

[0053] If the balance exceeds the cumulative amount of payments made (usage) through the joint account, the cumulative amount of payments made by each user through the joint account may be refunded to each user, and the remaining balance may be refunded based on the ratio of the amounts. For example, suppose the cumulative amounts of payments made by users A, B, and C through the joint account are 20,000 yen, 30,000 yen, and 40,000 yen, respectively, and the ratio of the amounts is 2:1:1. Also, suppose the balance is 100,000 yen. In this case, 20,000 yen, 30,000 yen, and 40,000 yen may be refunded to users A, B, and C respectively, and then the remaining 10,000 yen may be refunded based on the ratio of the amounts (5,000 yen, 2,500 yen, and 2,500 yen to users A, B, and C respectively).

[0054] Furthermore, if the balance is less than the cumulative amount of payments made (usage) through the joint account, some users may be refunded the full cumulative amount, while others may be refunded the remaining balance based on the proportion of their total payments. Some users may be given the highest priority, while others may be given the lowest cumulative amount.

[0055] For example, suppose users A, B, and C have made total payments using a joint account of 20,000 yen, 200,000 yen, and 500,000 yen, respectively, with a payment ratio of 2:1:1. Also, suppose the remaining balance is 100,000 yen. In this case, user A could be refunded 20,000 yen, and the remaining 80,000 yen could be refunded based on the payment ratio (40,000 yen each to users B and C).

[0056] <Summary> According to the embodiment described above, a joint account is provided that allows multiple users to set a monetary ratio and make payments or refunds based on that ratio. This makes it possible for multiple users to make payments together, even if they are not in a marital relationship or similar relationship.

[0057] The embodiments described above are provided to facilitate understanding of the present invention and are not intended to limit its interpretation. The flowcharts, sequences, elements, and their arrangement, materials, conditions, shapes, and sizes described in the embodiments are not limited to those exemplified and can be modified as appropriate. Furthermore, configurations shown in different embodiments can be partially substituted or combined. [Explanation of Symbols]

[0058] 1 Information processing system, 10 Information processing device, 11 Processor, 12 Storage device, 13 Network interface, 14 Input / output device, 20 User terminal, 30 Financial service provider equipment, 100 Storage unit, 101 Reception unit, 102 Management unit, 103 Settlement processing unit, 104 Cancellation processing unit, 105 Setting unit, 106 Display control unit

Claims

1. An information processing device that provides a joint account that can be used jointly by multiple users for payment, A storage unit that stores the setting of the monetary ratio among the multiple users, When a payment is made using the aforementioned joint account, a payment processing unit executes a payment processing for each of the multiple users for an amount determined for each user based on the payment amount and the amount ratio of the payment, An information processing device having

2. A management unit that adds the amount deposited into the joint account by each of the aforementioned users to the balance of the joint account, The information processing apparatus according to claim 1.

3. When a payment is made using the joint account, the payment processing unit executes the payment process for each of the multiple users by subtracting the payment amount from the balance of the joint account. The information processing apparatus according to claim 2.

4. A reception unit that accepts the designation of a specific user from among the aforementioned multiple users to cancel the joint account, The system includes a cancellation processing unit that refunds to the designated user an amount of the balance of the joint account corresponding to the amount ratio of the designated user. The information processing apparatus according to claim 2 or 3.

5. When a payment is made using the shared account, the settlement processing unit executes the settlement process by transmitting an amount determined for each user based on the settlement amount and the amount ratio to a financial institution device that performs postpaid settlements used by each of the multiple users. The information processing apparatus according to claim 1.

6. A reception unit that receives the setting of the amount ratio from a predetermined user among the aforementioned multiple users, It further possesses, The information processing apparatus according to claim 1.

7. The system further includes a setting unit that sets the amount ratio based on the deposit amount of each of the aforementioned multiple users. The information processing apparatus according to claim 1.

8. The aforementioned ratio of amounts is set to be the same ratio among the multiple users. The information processing apparatus according to claim 1.

9. The system further includes a reception unit that accepts the setting of usage restrictions, which indicate conditions that restrict payments made using the aforementioned joint account. The settlement processing unit executes the settlement process when a settlement is made using the joint account, provided that the settlement does not fall under the usage restrictions. The information processing apparatus according to claim 1.

10. The system further includes a display control unit that receives the setting of the aforementioned monetary ratio and displays a screen showing the setting, The information processing apparatus according to claim 1.

11. An information processing method performed by an information processing device, The steps include storing the setting of the amount ratio among the multiple users in a storage unit for a joint account that can be used by multiple users to make payments together, When a payment is made using the aforementioned joint account, the step of performing a payment process for each of the multiple users for an amount determined for each user based on the payment amount and the amount ratio of the payment, Information processing methods including

12. On the computer, The steps include storing the setting of the amount ratio among the multiple users in a storage unit for a joint account that can be used by multiple users to make payments together, When a payment is made using the aforementioned joint account, the step of performing a payment process for each of the multiple users for an amount determined for each user based on the payment amount and the amount ratio of the payment, A program to execute.

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