Application programs and payment systems

Abstract

To provide favorable support for settlement after a representative makes a lump sum payment. [Solution] An application program for causing a first user terminal device to execute the following processes: a process for acquiring an image of a receipt issued by a store; a process for acquiring detail information indicating each of one or more usage items shown in the image of the receipt; and a process for identifying which of the representative who made a lump-sum payment for the purchase related to the receipt and one or more participants other than the representative is the user who should make the payment for the one or more usage items.

Description

[Technical Field]

[0001] The present invention relates to an application program and a payment system. [Background technology]

[0002] Conventionally, when a payment is made by a terminal device used by a user reading information linked to the payee and transmitting the read information, the payment amount, and information linked to the user to a payment server as information related to the payment, an invention of an output control program has been disclosed that causes a computer to execute the following steps (Patent Document 1): an acquisition procedure for acquiring information related to the payment from the payment server, identifying the payment object corresponding to the payment amount included in the information related to the payment from a database managed by the payee in which information related to the payment object is registered, and acquiring information related to the identified payment object; and an output control procedure for transmitting payment-related information including the information related to the payment object acquired by the acquisition procedure to a specified output device and outputting the payment-related information. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-125085 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technology has not always been able to provide suitable support for settlement after multiple users make purchases at the same store and a representative pays collectively.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide an application program and a payment system that can effectively support settlement after a representative has made a lump-sum payment. [Means for solving the problem]

[0006] One aspect of the present invention is an application program that causes a first user terminal device to perform the following processes: acquiring an image of a receipt issued by a store; acquiring detail information indicating each of one or more usage items shown in the image of the receipt; and identifying which of the representative who made a lump-sum payment for the purchase related to the receipt and one or more participants other than the representative is the user who should make the payment for the one or more usage items. [Effects of the Invention]

[0007] According to one aspect of the present invention, settlement after a representative has made a lump sum payment can be favorably supported. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 illustrates basic aspects of brick-and-mortar electronic payment. [Figure 2] FIG. 1 is a diagram illustrating an example of a configuration for performing electronic payment (terminal payment) using a payment application. [Figure 3] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 4] FIG. 10 is a diagram showing an example of the contents of affiliated store / shop information 174. [Figure 5] FIG. 10 is a diagram showing an outline of a processing flow when a user scan is performed. [Figure 6] FIG. 10 is a diagram showing an outline of the processing flow when a store scan is performed. [Figure 7] FIG. 1 is a diagram showing an example of a configuration for performing electronic payment (card payment) using a payment card. [Figure 8] 10 is a flowchart showing an example of a processing flow related to individual settlement. [Figure 9] FIG. 10 is a diagram showing an example of the contents of detailed information. [Figure 10]FIG. 10 is a diagram illustrating a process for identifying a user who should make a payment and a process for accepting payment. DETAILED DESCRIPTION OF THE INVENTION

[0009] [overview] Hereinafter, with reference to the drawings, an embodiment of an application program and a payment system according to the present invention will be described. The application program runs on a terminal device (first user terminal device) such as a smartphone or tablet device and provides various network services to users. In the following example, the application program is a payment app for providing electronic payment services. However, the application program may also be for providing shopping, auction, flea market, banking, or other services. The payment app, payment server, and credit card server work together as a payment system to provide the electronic payment service. The electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real store) existing in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store operated by an entity different from the operator of the electronic payment service. In such a case, when making a payment for a purchase at the virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and electronic payments when a purchase is made at a store are primarily made between the user and the affiliated store. Alternatively, electronic payments may be made between the user and the store.

[0010] The payment app and payment system of the present invention are designed to support settlement (hereinafter referred to as individual settlement) after multiple people have purchased goods or services (e.g., eating and drinking at a restaurant) and a representative has made a collective payment. First, we will explain electronic payment services in general, and then we will explain the process for the settlement.

[0011] [Electronic payment methods at brick-and-mortar stores] FIG. 1 illustrates the basic aspects of brick-and-mortar electronic payments. Electronic payments are generally carried out by three parties: a medium M held by a user U, store equipment E, and a payment system S. The medium M may be a portable computer device such as a smartphone or a credit card. The store equipment E resides in a physical brick-and-mortar store (hereinafter simply referred to as the store) in real space and may include a POS device, a wireless communication device, a credit card reader, a printed code image such as a QR Code (registered trademark), or a display device displaying the code image. In brick-and-mortar electronic payments, information that can identify the user and information about the payment amount are first shared unidirectionally or bidirectionally between the medium M and the store equipment E. At this time, either the medium M or the store equipment E optically reads various information from a code image displayed by the other, provides information via near-field communication (NFC), or reads the PAN (primary account number) using a credit card reader. Then, either the medium M or the store equipment E (the party that obtains information from the other) transmits the payment information required for the payment to the payment system S via a network NW. Both the medium M and the store equipment E may send some information to the payment system S. The payment system S manages various information about the user U and performs electronic payments between the store and the user U in various ways. Electronic payments are performed using either or both of a prepaid system and a postpaid system, or by other methods. In addition, electronic payments may also include so-called online shopping, which is performed between the user's terminal device and the payment system. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc. The various devices that communicate via the network NW, which will be described below, are assumed to have communication devices such as network cards and wireless communication modules.

[0012] [Configuration (Terminal Payment)] 2 is a diagram showing an example of the configuration for performing electronic payment (terminal payment) using a payment app. This electronic payment is performed mainly by a payment app 20 running on a user terminal device 10, which is one of the media M, one or more store payment terminals 30 and one or more store code images 40, which are one of the store facilities E, and a payment server 100, which constitutes part of a payment system S. The payment server 100 communicates with the user terminal device 10, the store payment terminal 30, and one or more information terminals 50 via a network NW.

[0013] The user terminal device 10 is a portable terminal device such as a smartphone or tablet. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a central processing unit (CPU), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, which operates in cooperation with a payment server 100 to provide electronic payment services to users. The payment application 20 is installed on the user terminal device 10 from, for example, an application distribution server (not shown) and controls the camera, communication device, touch panel, etc. of the user terminal device 10. In the following description, the terms "send information to the user terminal device 10 (or receive / acquire information from the user terminal device 10)" and "send information to the payment application 20 (or receive / acquire information from the payment application 20)" may be used interchangeably, but these terms are merely different expressions and are not intended to distinguish between them.

[0014] The store payment terminal 30 is installed, for example, in a store. The store payment terminal 30 is a computer device (or a collection of these) that has at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store payment terminal 30 includes a so-called POS (Point of Sale) device, and the POS device may have a product price acquisition function and an optical reading function.

[0015] The store code image 40 is placed in a store and is a code image such as a QR code printed on a paper or plastic medium. The store code image 40 may be displayed on a display placed in the store (or on a terminal device such as a smartphone or tablet).

[0016] The information terminal 50 is used by the operator of the affiliated store who oversees the stores. In electronic payment services, customers who provide goods or services are treated as affiliated stores (brands), and one or more stores exist under the affiliated store. An affiliated store may operate only one store. The information terminal 50 is a smartphone, tablet terminal, personal computer, etc. An affiliated store interface 55 runs on the information terminal 50. The affiliated store interface 55 may be an affiliated store app or a web page displayed by a general-purpose browser. The affiliated store interface 55 accepts coupon settings and the like from the affiliated store operator and transmits them to the payment server 100. By executing the affiliated store interface 55, the information terminal 50 may have the function of displaying a code image corresponding to the store code image 40 or reading a code image displayed by the user terminal device 10 (in the latter case, an optical reading function is required).

[0017] The payment server 100 communicates with the credit card server 200 via a network NW. The payment server 100 has, for example, a content provider 110, an information management unit 120, a payment processing unit 130, and a storage unit 170. The components other than the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented using a large scale integration (LSI), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or the like. The program may be realized by hardware (including circuitry) such as a Gate Array (GPU) or a Graphics Processing Unit (GPU), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a hard disk drive (HDD) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0018] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the payment server 100 via a network. The storage unit 170 stores information such as user information 172 and affiliated store / shop information 174.

[0019] The content providing unit 110 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 110 provides the content to the user terminal device 10 in the form of a web page, and provides the user terminal device 10 with parameters required for the payment application 20 to render an image.

[0020] The information management unit 120 edits, adds, deletes, etc., user information 172 and affiliated store / shop information 174, and manages them.

[0021] 3 is a diagram showing an example of the contents of user information 172. User information 172 is information in which, for example, user URL, account ID, phone number, password, registration date, charge balance, electronic money type, terminal payment method, card payment method, various history information, identity verification flag, name, address, date of birth, email address, bank account, deferred payment settings, deferred payment condition information, friend list, and other information are associated with each other. Hereinafter, a user instance (electronic payment account) in which this information is associated may be referred to as an account. In the figure, items marked with "-" indicate that they are not set.

[0022] The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100. The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). The charge balance is information indicating the balance of electronic money that the user has set by transferring money to the account in advance. Remittance methods include depositing money into an ATM (Automatic Teller Machine) of a designated service provider (bank) or transferring money from a registered bank account. The type of electronic money is information indicating, for example, whether the electronic money can be withdrawn or can only be used for electronic payments. The terminal payment method is setting information indicating whether the user will make electronic payment using the charge balance (balance payment) or by deferred payment in terminal payment. The card payment method is setting information indicating whether the user will make electronic payment using the charge balance (balance payment) or by deferred payment in card payment. The various history information includes a charge history, which is a history of the user's previous transfers to the electronic payment service to increase the charge balance, and a payment history, which shows the details of each payment made by the user (date and time, store ID of the store where the purchase was made, affiliated store ID, payment amount, payment method, etc.). The friend list is a list of identification information (which may be account ID, user URL, or other information) of communication partners in the user-to-user communication function.

[0023] The identity verification flag is information indicating whether or not the user has completed identity verification using an ID document. Deferred payment can be selected if identity verification has been completed, and the user with account ID "002" in the figure has not completed identity verification and can only select balance payment as the terminal payment method. The bank account is the account number of a bank account that can be used to deposit funds into the electronic payment service. Deferred payment settings is information indicating whether or not the settings have been completed to make deferred payment selectable. Deferred payment condition information is information indicating various conditions such as the deferred payment limit and the amount used for the current month.

[0024] 4 is a diagram showing an example of the contents of affiliated store / store information 174. The affiliated store / store information 174 includes, for example, a first table 174A in which an affiliated store ID and a store ID are associated with a store URL, a second table 174B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 174C in which a store ID is associated with a store ID. In addition to this information, the affiliated store / store information 174 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0025] The payment processing unit 130 performs various processes for electronic payment. There are two methods for terminal payment: a first method (user scan) and a second method (store scan), which will be explained below.

[0026] FIG. 5 shows an overview of the process flow when a user scan is performed. First, the user terminal device 10, with the payment application 20 running, reads and decodes the store code image 40 using its optical reading function (S1). The store code image 40 contains store URL information. The payment application 20 sends first payment information, including the store URL and the user's account ID, to the payment server 100 (S2). The payment server 100 searches the affiliated store / store information 174 using the affiliated store ID and store ID corresponding to the store URL, acquires information about the affiliated store name and store name (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the payment application 20 on the screen displaying the affiliated store name and store name (S5). The payment application 20 then generates second payment information including at least the payment amount and sends it to the payment server 100 (S6).

[0027] If the "Terminal Payment Method" in the user information 172 of the user is set to "Balance Payment," the payment processing unit 130 of the payment server 100 performs electronic payment based on the received second payment information (S7-1). At this time, the payment processing unit 130 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not used as electronic money itself, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle determined by an agreement between the affiliated store and the electronic payment service. On the other hand, if the "Terminal Payment Method" is set to "Deferred Payment," the payment processing unit 130 transmits the first payment information and the second payment information to the credit card server 200 to request electronic payment (S7-2). The credit card server 200 performs electronic payment by adding the payment amount to the user's monthly usage amount based on the received information and deducting the monthly usage amount from the user's bank account after the closing date (S7-3).

[0028] Then, the payment processing unit 130 sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 via the content providing unit 110 (S8), and the payment app 20 displays the payment completion screen (S9). When the store code image 40 is displayed on a display installed in the store, the store code image 40 may include information on the payment amount in addition to the store URL. In this case, the procedure for the user to input the payment amount is omitted, and the information on the payment amount is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0029] FIG. 6 is a diagram showing an overview of the processing flow when a store scan is performed. First, when the payment app 20 is launched, when a payment operation is performed using the payment app 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment app 20 sends a request to issue a one-time code to the payment server 100 (S11). The payment processing unit 130 of the payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the store payment terminal 30, and the store payment terminal 30 reads and decodes the code image using its optical reading function to obtain the one-time code, etc. (S15). The store payment terminal 30 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it.

[0030] The payment processing unit 130 of the payment server 100 identifies the user corresponding to the one-time code based on the received information, and if the "terminal payment method" in the user information 172 of the user is set to "balance payment," it performs electronic payment based on the received second payment information (S17-1). The processing content at this time is the same as the processing of S7-1 in FIG. 5. On the other hand, if the "terminal payment method" is set to "post-payment," the payment server 100 transmits the first payment information and the second payment information to the credit card server 200 to request electronic payment (S17-2). The credit card server 200 adds the payment amount to the user's monthly usage amount based on the received information, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date (S17-3).

[0031] Then, the payment processing unit 130 transmits a payment completion notification to the payment application 20 via the content providing unit 110 (S18), and the payment application 20 displays a payment completion screen (S19).

[0032] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0033] It should be noted that the "post-payment" settlement may be performed within the settlement server 100, rather than being managed by the credit card server 200. In this case, the components such as the settlement card 60 and the credit card server 200 may be omitted.

[0034] [Configuration (Card Payment)] 7 is a diagram showing an example of a configuration for performing electronic payment (card payment) using a payment card. This electronic payment is performed mainly using a payment card 60, which is one of the media M, a credit card processing terminal 70, which is one of the store facilities E, a payment server 100, which constitutes part of a payment system S, and a credit card server 200. The credit card server 200 communicates with the credit card processing terminal 70 via a network NW.

[0035] The credit processing terminal 70 is installed in the store, similar to the in-store payment terminal 30. The credit processing terminal 70 includes, for example, a credit card reader and a POS device. The credit card terminal reads a personal identification number (PIN) from an inserted or held-up credit card and compares it with the PIN entered by the user. It also transmits a primary account number (PAN) read from the credit card to the credit card server 200 via the POS device. The POS device cooperates with the credit card terminal to transmit information such as the payment amount to the credit card server 200. A payment agent (acquirer) server may be interposed between the credit processing terminal 70 and the credit card server 200; however, for simplicity, the following description omits the server. The payment card 60 is, for example, similar to a commonly used credit card, with a communication chip embedded in the card substrate. The communication chip incorporates a storage medium storing the PIN and communicates with an external device via a contactor (or a wireless antenna). Alternatively, the payment card 60 may be a magnetic card. The information (messages) sent and received when using a credit card include an authorization message for authentication and a sales message for conveying the payment amount, but detailed explanations distinguishing between these will be omitted below.

[0036] The credit card server 200 communicates with the payment server 100 via a network NW. The credit card server 200 includes, for example, an information management unit 210, a credit interface 220, a payment allocation unit 230, a credit payment processing unit 240, and a memory unit 270. The components other than the memory unit 270 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. The memory unit 270 stores information such as card user information 272.

[0037] The information management unit 210 edits, adds, deletes, etc., and manages the card user information 272. The card user information 272 is information in which, for example, information unique to a user (e.g., PAN), a card payment method, and the user's account ID (used by the payment server 100) are associated with one another. The card payment method is setting information that indicates whether the user will make electronic payment using the charged balance (balance payment) or deferred payment when making a card payment.

[0038] The credit interface 220 determines whether the BIN (Bank Identification Number) in the PAN included in the message received from the credit processing terminal 70 is a code for the company, and if it is a code for the company, passes the message received from the credit processing terminal 70 to the payment allocation unit 230, and if it is not a code for the company, discards the received message.

[0039] The payment allocating unit 230 refers to the card user information 272 of the user corresponding to the message obtained from the credit interface 220, and determines whether the "card payment method" is set to "post-payment." If the "card payment method" is set to "post-payment," the payment allocating unit 230 notifies the credit interface 220 of this and passes the message obtained from the credit interface 220 to the credit payment processing unit 240. On the other hand, if the "card payment method" is set to "balance payment," the payment allocating unit 230 adds the user's account ID to the message obtained from the credit interface 220 and sends it to the payment server 100, requesting electronic payment. When requested to make electronic payment, the payment server 100 performs the same processes as S7-1 in Figure 5 and S17-1 in Figure 6.

[0040] The credit interface 220 checks the PAN and expiration date, and verifies whether the cumulative payment amount exceeds the current month's upper limit, etc. The credit payment processing unit 240 adds the payment amount to the user's monthly usage amount based on the information contained in the message obtained from the payment allocation unit 230, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date.

[0041] [Individual liquidation] Below, we will explain individual settlement performed by the payment app 20 and the payment server 100 in cooperation with each other. Figure 8 is a flowchart showing an example of the process flow for individual settlement. In the following explanation, it is assumed that multiple users, including a representative and participants, eat and drink at a restaurant, which is an example of a store, and the representative pays for all of the items together. In this case, the items of use are the food, drinks (menu), souvenirs, etc. ordered by each user. Furthermore, at least some of the representative and participants use an electronic payment service (have accounts), and the representative's user terminal device is referred to as first user terminal device 10-1, and the participants' user terminal devices are referred to as second user terminal device 10-2. Note that the payment to the restaurant itself does not necessarily have to be made using an electronic payment service.

[0042] First, the payment application 20 acquires an image of the receipt issued by the store (S20). For example, the representative activates the camera of the first user terminal device 10-1 and acquires an image of the receipt captured by the camera. Alternatively, the payment application 20 may acquire an image of the receipt electronically sent from a POS device or the like on the store side via communication. In this case, email, Bluetooth (registered trademark), Wi-Fi, etc. may be used.

[0043] Next, detailed information indicating each of one or more items shown in the receipt image is acquired (S21). For example, payment application 20 acquires the detailed information based on the results of OCR (Optical Character Recognition) processing performed on the receipt image. The OCR processing may be performed by first user terminal device 10-1, or may be performed by requesting the processing from payment server 100. In the example of FIG. 8, payment application 20 requests payment server 100 to perform OCR processing (S21-1) and acquires the results of the OCR processing from payment server 100 (S21-2).

[0044] 9 is a diagram showing an example of the content of the statement information. The statement information includes, for example, the store name, date and time of use, number of people, names of use items and payment amounts for each use item, and the total payment amount. Payment application 20 performs semantic interpretation and other processing on the results of the OCR processing to organize this information.

[0045] Next, payment application 20 identifies which of the representative and one or more participants is the user who should make the payment for one or more use items (S22). For example, payment application 20 shares information by sending statement information to payment application 20 of one or more second user terminal devices 10-2, and identifies users according to operations by the representative and participants (S22-1, S22-2). Then, payment application 20 accepts payment from the identified participants (S23).

[0046] FIG. 10 is a diagram illustrating the process of identifying a user who should make a payment and the process of accepting payment. For example, in the first stage ((1) in the figure), the payment app 20 displays a participant selection screen IM1 showing detailed information on the first user terminal device 10-1. The interface screen IM1 displays (presents) a list of other users (candidate participants) registered in the friend list described above. Information on the friend list is provided from the payment server 100 to the payment app 20 of the first user terminal device 10-1. When the representative R selects a participant on the participant selection screen IM1 by tapping or other operation, the payment app 20 of the first user terminal device 10-1 transmits at least a portion of the detailed information to the second user terminal device 10-2 of the selected participant P to share the information. The detailed information is transmitted, for example, using a user-to-user communication function associated with the electronic payment service.

[0047] In the second stage ((2) in the figure), the use item selection screen IM2 is displayed on the first user terminal device 10-1 and the second user terminal device 10-2. In response to this, the representative R and the participant P each select the use items they have ordered by tapping or other operations. The payment app 20 of the first user terminal device 10-1 acquires information on the use items selected (entered) by the participant P from the payment app 20 of the second user terminal device 10-2. At the same time, the payment app 20 of the first user terminal device 10-1 acquires information on the use items selected (entered) by the representative R. These acquisition results are reflected on the use item selection screen IM2, for example, in real time. As a result, the payment app 20 of the first user terminal device 10-1 identifies the user who should make the payment. Thereafter, the results selected by the representative R and the participant P are reflected on the use item selection screen IM2. In this state, for example, if the representative operates the confirm button B1, the process of identifying the user who should make the payment is completed.

[0048] In the third stage ((3) in the figure), the payment screen IM-3 is displayed on the second user terminal device 10-2 of participant P, which guides the participant to make a payment using the user-to-user remittance function. For example, the payment screen IM-3 displays by default the amount to be paid by the participant according to the use items identified in the second stage, and the participant transfers money to the representative by operating the remittance button B2. The amount may be amended at this point. This completes the individual settlement process. Instead of displaying the remittance button B2, the representative's name may be displayed, along with a button for transitioning to the user-to-user remittance screen, and participant P may manually enter the amount to transfer the money.

[0049] When participant P transfers money, information about the deposit is notified to the payment application 20 of the first user terminal device 10-1. For this reason, on the usage item selection screen IM2 being viewed by the representative R, usage items for which payment has been completed may be displayed distinctly from usage items for which payment has not been completed (for example, by highlighting, shading, changing the color or brightness, or displaying text indicating whether payment has been completed or not). Furthermore, if a certain period of time has passed since the process proceeded to the third stage and the process for guiding payment was performed, a notice urging (reminding) payment may be displayed on the second user terminal device 10-2 of participant P for whom payment has not yet been transferred.

[0050] Here, the payment amount for each use item displayed on the receipt may be the price excluding tax, not the price including tax. In this case, the total payment amount will not match the sum of the payment amounts for each use item, so the payment amount for each use item may be corrected by multiplying the payment amount for each use item by the tax rate in the process of obtaining the detailed information. In this case, in the process of S21 in FIG. 8, payment application 20 or payment server 100 calculates the payment amount for each use item including tax.

[0051] This method is also applicable to cases where participants are not subscribed to an electronic payment service and do not have an account. In this case, in addition to the friend list, communication identification information (e.g., email address, phone number, message app ID) of users who can become participants in the individual payment of the present invention may be added to the user information 172, making it possible to select potential participants in the second step of FIG. 10. Furthermore, if the payment application 20 has permission to access a phone book or a message app, it may be possible to select potential participants from the phone book. In this way, if a participant is not subscribed to an electronic payment service, the payment application 20 of the first user terminal device 10-1 may refer to a list of communication partners for individual payment, which is different from the list of communication partners in the user-to-user communication function, and allow the user to select a participant with whom to perform the information sharing process.

[0052] If a participant does not subscribe to an electronic payment service, payment methods acceptable to representative R and information necessary for payment (payment amount, transfer destination user ID of other electronic payment services, transfer account information for bank transfer, telephone number of recipient, etc.) may be automatically embedded in an email, short message, or message app message sent from first user terminal device 10-1 to the participant by processing of payment app 20, and may be displayed on the participant's terminal device. Part of this information is, for example, registered in advance in user information 172 of payment server 100 by representative R operating payment app 20.

[0053] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0054] E. Store Facilities M medium S payment system 10 User terminal device 10-1 First user terminal device 10-2 Second user terminal device 20. Payment App 30 Store payment terminal device 40 Store code image 60 Payment Cards 70 Credit card processing terminal 100 Payment Server 130 Payment processing unit 200 Credit Card Server

Claims

1. To the first user terminal device, A process of acquiring an image of a receipt issued by a store, which indicates one or more items of use and a corresponding payment amount; a process of acquiring detail information indicating one or more items of use shown in the image of the receipt and corresponding payment amounts; a process of transmitting at least a portion of the statement information for one or more use items in which the user who should make payment for each of the one or more use items is not specified to the user terminal device of one or more participants other than the representative who made a collective payment for the purchase related to the receipt, and acquiring information on the use items that the representative and the participant selected using their respective user terminal devices, thereby identifying which of the representative and the participant is the user who should make payment; An application program for executing

2. The first user terminal device The detailed information is acquired based on the results of OCR (Optical Character Recognition) processing performed on the image of the receipt.

2. The application program according to claim 1.

3. The first user terminal device causing the first user terminal device to capture an image of the receipt and acquire the captured image as an image of the receipt; 2. The application program according to claim 1.

4. The first user terminal device transmitting at least a portion of the detailed information to a second user terminal device used by the participant, and executing a process for sharing information; The identification process is performed by acquiring from the second user terminal device information input by the participant to the second user terminal device, the information being information on the participant selecting the use item that he or she has ordered.

2. The application program according to claim 1.

5. The first user terminal device presenting a list of candidate participants, accepting a selection of the participant by the representative, and transmitting at least a part of the detailed information to a second user terminal device used by the selected participant; 5. The application program according to claim 4.

6. the application program is a payment application for providing an electronic payment service in cooperation with a payment server, The first user terminal device performing a process for sharing the information by utilizing a user-to-user communication function associated with the electronic payment service; 5. The application program according to claim 4.

7. The first user terminal device Furthermore, the system executes a process of having the user select a participant with whom the information sharing process is to be performed, by referring to a list of communication partners in the user-to-user communication function.

7. The application program according to claim 6.

8. The first user terminal device Furthermore, by utilizing a user-to-user remittance function associated with the electronic payment service, payments for the use items identified in the identifying process are accepted from the participants who are the targets of the information sharing process.

8. The application program according to claim 6 or 7.

9. The first user terminal device Displaying the items of use for which payment has been made using the user-to-user remittance function separately from the items of use for which payment has not been made; 9. The application program according to claim 8.

10. The first user terminal device transmitting a notification urging a payment to the second user terminal device of the participant who has not completed a payment using the user-to-user remittance function for a certain period of time after the information is shared; 9. The application program according to claim 8.

11. The first user terminal device If the participant does not subscribe to the electronic payment service, a process is executed in which the user selects a participant with whom the information is to be shared by referring to a list of communication partners for individual payment, which is different from the list of communication partners in the user-to-user communication function.

8. The application program according to claim 7.

12. The first user terminal device Embedding a payment method and / or information required for payment in a message to be sent to the participant and sending the message to the participant's terminal device; 11. The application program according to claim 10.

13. The application program according to claim 1, which is a payment application for providing an electronic payment service in cooperation with a payment server; the payment server that manages information of the representative and one or more of the participants and provides the information to the payment app; A payment system comprising:

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