Information processing method, information processing device, and computer program

Abstract

To provide an information processing method, an information processing apparatus and a computer program that accelerate the generation of transaction information and settlement based upon the transaction information.SOLUTION: An information processing method includes processing digital document data which includes: detail specification information for specifying details of service or an article; user identification information on a user of the service or article; a provider identification information on the provider of the service or article; charge information representing the charge for the service or article; and payer identification information for identifying a payer of the charge, settlement of the charge for the service or article being based upon the digital document data. The information processing method includes: extracting the digital document data including undecided information among the detail specification information, user identification information, provider identification information, charge information, and payer identification information; classifying the digital document data including the undecided information based upon the type of the undecided information or properties of settlement-completed information; and selecting and executing, according to the classification, a support method for supporting a decision on the undecided information in the digital document data.SELECTED DRAWING: Figure 13

Description

[Technical Field]

[0001] The present invention relates to an information processing method, an information processing device, and a computer program that facilitate the creation of transaction information required for payment of fees for services or products. [Background technology]

[0002] Cashless payment is becoming more commonplace for paying for services or products. However, in existing cashless payment methods, the person who pays the service or product fee is basically the user who receives the service or product, and payment is made at the time of use. In other words, this system is based on the trust of the individual user who receives the service or product.

[0003] Services such as crowdfunding, which support efforts to have others cover the costs of providing services or products to users, are also on the rise. However, even in these services, the payment phase requires that payments be made to the personal credit cards of individual supporters before the use of the service or product can begin.

[0004] The inventors have proposed a method for creating transaction information for cashless payments that allows the payer to be separate from the user who receives the service or product from the beginning, and further allows the payer to be determined after the service or product has been used (Patent Document 1, etc.). [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Patent No. 6823676 Summary of the Invention [Problem to be solved by the invention]

[0006] The method proposed in Patent Document 1 allows transaction information to be created and payment completed using any one of the following: the user of the service or product, the price, the content of the service or product, the provider of the service or product, or the payer of the cost related to the service or product. To promote payments using this method, it is necessary to smoothly achieve matching until the user, price, content, provider, and payer are all confirmed, and to accumulate a track record of successful payments.

[0007] An object of the present invention is to provide an information processing method, an information processing device, and a computer program that facilitate the creation of transaction information and settlement based on the transaction information. [Means for solving the problem]

[0008] An information processing method according to one embodiment of the present disclosure is an information processing method for processing digital document data that includes content identification information for identifying the content of a service or product, user identification information for a user of the service or product, provider identification information for a provider of the service or product, fee information indicating the fee for the service or product, and payer identification information that identifies the payer of the fee, and that is the basis for settling the fee for the service or product, wherein the information processing method extracts the digital document data that includes undetermined information from the content identification information, user identification information, provider identification information, fee information, and payer identification information, classifies the digital document data that includes the undetermined information based on the type of undetermined information or the attributes of determined information, and selects and executes a support method for assisting in the determination of the undetermined information in the digital document data according to the classification.

[0009] An information processing device according to one embodiment of the present disclosure is an information processing device that processes digital form data that is the basis for payment of the service or product fee, and that includes content identification information for identifying the content of a service or product, user identification information for a user of the service or product, provider identification information for a provider of the service or product, fee information indicating the fee for the service or product, and payer identification information that identifies the payer of the fee, and that includes: an extraction unit that extracts the digital form data that includes undetermined information from the content identification information, user identification information, provider identification information, fee information, and payer identification information; a classification unit that classifies the digital form data that includes the undetermined information based on the type of the undetermined information or the attributes of the determined information; and an execution unit that selects and executes a method for determining the undetermined information in the digital form data according to the classification.

[0010] A computer program according to one embodiment of the present disclosure is a computer program that causes a computer to process digital form data that includes content identification information for identifying the content of a service or product, user identification information for a user of the service or product, provider identification information for a provider of the service or product, fee information indicating the fee for the service or product, and payer identification information that identifies the payer of the fee, and that serves as the basis for payment of the fee for the service or product. The computer is caused to extract the digital form data that includes undetermined information from the content identification information, user identification information, provider identification information, fee information, and payer identification information, classify the digital form data that includes the undetermined information based on the type of undetermined information or the attributes of determined information, and select and execute a method for determining the undetermined information in the digital form data according to the classification.

[0011] In the information processing method, information processing device, and computer program disclosed herein, digital form data is classified according to undetermined information, and a process is executed to promote a decision in a manner according to the classification.

[0012] Methods for facilitating a decision may include listing the item on an auction site, outputting it together with search results when a search is received, or notifying potential users, payers, or providers.

[0013] A method for facilitating the decision may be to post to a social networking site with pre-accepted keywords.

[0014] In the information processing method of the present disclosure, digital form data including undetermined information may accept changes to conditions or divisions to expedite decision-making. [Effects of the Invention]

[0015] According to the present disclosure, a classification-based support method can facilitate the determination of undecided items, and facilitate the creation of transaction information and settlement based on the transaction information. [Brief explanation of the drawings]

[0016] [Figure 1] FIG. 1 is a schematic diagram of a payment platform of the present disclosure. [Figure 2] FIG. 1 is a block diagram showing a configuration of an information processing device. [Figure 3] FIG. 2 is a block diagram showing the configuration of a user terminal device. [Figure 4] FIG. 2 is a block diagram showing the configuration of a provider terminal device. [Figure 5] FIG. 2 is a block diagram showing the configuration of a payer terminal device. [Figure 6] FIG. 10 is a diagram showing an example of the contents of a player DB in a service DB. [Figure 7] FIG. 10 is a diagram showing an example of the contents of information stored in a form DB. [Figure 8] FIG. 10 is a diagram showing an example of information stored in a recruitment condition DB. [Figure 9] 10 is a flowchart illustrating an example of a procedure for issuing a digital form by an information processing device. [Figure 10]FIG. 1 is an explanatory diagram showing the state of a digital form when it is created. [Figure 11] 10 is a flowchart illustrating an example of a processing procedure performed by the information processing device. [Figure 12] FIG. 10 is an explanatory diagram showing an example of display of recruitment details. [Figure 13] FIG. 1 is an explanatory diagram showing a state before a digital document is completed. [Figure 14] 10 is a flowchart illustrating an example of a procedure for promoting the completion of a digital form by an information processing device. [Figure 15] 10 is a flowchart illustrating an example of a recruitment process procedure. [Figure 16] 10 is a flowchart illustrating an example of another recruitment process procedure. [Figure 17] 10 is a flowchart illustrating an example of another recruitment process procedure. [Figure 18] 10 is a flowchart illustrating an example of another recruitment process procedure. [Figure 19] 10 is a flowchart illustrating an example of another recruitment process procedure. DETAILED DESCRIPTION OF THE INVENTION

[0017] The present disclosure will be specifically described with reference to the drawings showing embodiments thereof. In the following embodiments, a payment platform to which the information processing method of the present disclosure is applied will be described.

[0018] (First embodiment) 1 is a schematic diagram of a payment platform 100 of the present disclosure. The payment platform 100 is a system that creates transaction information necessary for the settlement of fees between a user of a service or product, a provider of the service or product, and a payer who pays the fee required to use the service or product. Hereinafter, when there is no need to distinguish between the user, provider, and payer, they will be referred to as players of the payment platform 100.

[0019] The payment platform 100 is realized by the processing of an information processing device 1 that can communicate with a user terminal device 2 used by a user, a provider terminal device 3 used by a provider, and a payer terminal device 4 used by a payer via a network N, and by information provided by the information processing device 1.

[0020] The payment platform 100 realizes a system in which users can actually enjoy services or products cashlessly, and once the fee based on the actual usage is determined, the fee is paid from the payer to the provider without any problems. The payment platform 100 uses a digital document DF as transaction information that can be used as the basis for payment.

[0021] In the payment platform 100, a digital document DF is created for each transaction, and a digital ticket is issued with the created digital document DF, which can be used by the user. The user can enjoy services or products cashlessly using the digital ticket linked to the digital document DF.

[0022] The payment platform 100 issues a digital voucher DF based on any one of the content of the service or product, the payer, the provider, the user, and the fee, and guarantees payment of the fee to the provider while allowing the remaining information required for payment to be determined gradually. For example, the digital voucher DF may be issued when only the user is determined and the content of the service or product, the payer, the provider, and the fee are undetermined, and these may be determined later, allowing payment to be made only after the service or product is received and all of these are determined. In another example, the payment platform 100 may also allow the digital voucher DF to be issued when only the provider is determined and the content of the service or product, the user, the payer, and the fee are undetermined.

[0023] After a digital form DF is created by the information processing device 1 with any one of the user, provider, payer, content, and cost, the payment platform 100 matches applications from people who want to become users or providers, and recruitment of payers. Once all users, providers, payers, content, and costs have been determined through matching, the payment platform 100 completes the digital form DF containing all the necessary information, and guarantees that it will serve as the basis for payments in the payment system. The payment system exists inside or outside the payment platform 100, and performs deposits and withdrawals between bank accounts corresponding to the provider and payer, respectively, based on the digital form DF.

[0024] In the payment platform 100 of the first embodiment, each player installs a computer program on their own computer and enters into a contract with the provider of the payment platform 100 in order to enjoy cashless services or products or the benefits of secure deposits and withdrawals of expenses. The player is issued an account by the payment platform 100 to distinguish between the user, provider, and payer. Depending on the distinction of the accounts, the computers of the user, provider, and payer using this computer program are called user terminal device 2, provider terminal device 3, and payer terminal device 4, respectively.

[0025] The process for completing the digital document DF in the payment platform 100 will be described below.

[0026] Specifically, the payment platform 100 is realized by processing in an information processing device 1, which is a computer that functions as a server to which a user terminal device 2, a provider terminal device 3, and a payer terminal device 4 can communicate via a network N.

[0027] The network N includes a public communication network N1, which is the so-called Internet, and a carrier network N2 that realizes wireless communication according to a predetermined mobile communication standard. The public communication network N1 includes an access point AP. The carrier network N2 includes a base station BS. The user terminal device 2, the provider terminal device 3, and the payer terminal device 4 can each be connected to the information processing device 1 via the public communication network N1 or the carrier network N2. The payer terminal device 4 may also be connected to the information processing device 1 via a dedicated line.

[0028] 2 is a block diagram showing the configuration of the information processing device 1. In the following description, the information processing device 1 is described as a single server computer, but functions or processes may be distributed among a plurality of server computers.

[0029] The information processing device 1 includes a processing unit 10, a storage unit 11, a communication unit 12, and an input / output unit 13. The processing unit 10 is a processor using a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), and controls each component using an internal RAM (Random Access Memory) and ROM (Read Only Memory) to execute processing. Based on an information processing program P1 stored in the storage unit 11, the processing unit 10 executes information processing such as matching between users, providers, payers, content, and costs, which will be described later.

[0030] A hard disk or an SSD (Solid State Drive) is used as the storage unit 11. The storage unit 11 stores the information processing program P1, as well as other programs and data referenced by the processing unit 10.

[0031] The communication unit 12 realizes communication in the public communication network N1 or the carrier network N2. The processing unit 10 can transmit and receive data to and from the user terminal device 2, the provider terminal device 3, and the payer terminal device 4 via the public communication network N1 or the carrier network N2 using the communication unit 12.

[0032] The input / output unit 13 is a connection interface with a service DB (Data Base) 101 that stores various information related to the payment platform 100. The service DB 101 may be constructed in the storage unit 11. The service DB 101 includes a player DB 102, a form DB 103, and a recruitment condition DB 104, the details of which will be described later.

[0033] 3 is a block diagram showing the configuration of the user terminal device 2. The user terminal device 2 is a computer that has a communication function such as a smartphone and is always carried by the user. The user terminal device 2 includes a processing unit 20, a storage unit 21, a communication unit 22, a display unit 23, an operation unit 24, a reading unit 25, and a location information acquisition unit 26.

[0034] The processing unit 20 is a processor using a CPU or a GPU. The processing unit 20 controls each component unit and executes processing using built-in memories such as ROM and RAM. The processing unit 20 may be configured as a single piece of hardware (SOC: System On a Chip) that integrates a processor, memory, storage unit 21, and communication unit 22. The processing unit 20 displays information related to the use of services (described later) that can be connected to the information processing device 1 for communication based on a terminal application program P2 stored in the storage unit 21, and accepts operations.

[0035] The storage unit 21 uses a non-volatile storage medium such as a flash memory, and stores programs and data referenced by the processing unit 20, including the terminal application program P2. The storage unit 21 stores account information including a player ID that identifies a player on the payment platform 100. The account information stored in the user terminal device 2 is differentiated by user.

[0036] The processing unit 20 displays a graphical interface for the user on the display unit 23 based on the classification (user) of the account information corresponding to the player ID in the memory unit 21 and the terminal application program P2, and exchanges data with the information processing device 1 as an application for the user.

[0037] The communication unit 22 is a communication device that realizes communication with the information processing device 1 via the public communication network N1 or the carrier network N2. The communication device may be a wired communication device or a wireless communication device. The communication unit 22 is, for example, a wireless communication device that supports Wi-Fi (registered trademark).

[0038] The display unit 23 uses a display device such as a liquid crystal panel or an organic EL display. The operation unit 24 is an interface that accepts user operations and uses physical buttons, a keyboard, a pointing device, a touch panel device built into the display, a speaker, a microphone, etc. The operation unit 24 may accept operations on a screen displayed on the display unit 23 using physical buttons or a touch panel, or may recognize the operation content from input voice using a microphone and accept the operation in an interactive format using the voice output from a speaker.

[0039] The reading unit 25 is a reader that reads codes such as a player ID. The reading unit 25 is at least one of a barcode reader, a camera, and a wireless tag reader. The reading unit 25 may include any of these and selectively use one of them to read the code depending on the presentation mode of the code.

[0040] The location information acquisition unit 26 is a device that acquires location information of the user terminal device 2. The location information acquisition unit 26 may use a GPS (Global Positioning System) receiving device, or may use a device that identifies location information using WiFi of the communication unit 22.

[0041] 4 is a block diagram showing the configuration of the provider terminal device 3. The provider terminal device 3 uses a computer with communication functions, such as a tablet terminal. The provider terminal device 3 is used not by the staff who actually provide the service but by support staff, administrators, accountants, etc., and uses a desktop or laptop personal computer.

[0042] The provider terminal device 3 includes a processing unit 30, a storage unit 31, a communication unit 32, a display unit 33, an operation unit , and a reading unit .

[0043] The processing unit 30 is a processor using a CPU or a GPU, and controls each component to execute processing using built-in memory such as ROM or RAM. The processing unit 30 can communicate with the information processing device 1 based on a terminal application program P3 stored in the storage unit 31, displays information related to service provision, and accepts operations.

[0044] The storage unit 31 uses a non-volatile storage medium such as a hard disk, SSD, or flash memory, and stores programs and data referenced by the processing unit 30, including the terminal application program P3. The storage unit 31 stores account information including a player ID that is distinguished by the service provider. The storage unit 31 may also store information that individually identifies the staff of the provider.

[0045] The processing unit 30 displays a graphical interface for the provider on the display unit 33 based on the classification (provider) of the account information corresponding to the player ID stored in the memory unit 31 and the terminal application program P3, and exchanges data with the information processing device 1 as an application for the provider.

[0046] The communication unit 32 is a communication device that realizes communication with the information processing device 1 via the public communication network N1 or the carrier network N2. The communication device may be a wired communication device or a wireless communication device. The communication unit 32 is, for example, a wireless communication device that supports WiFi.

[0047] The display unit 33 uses a display device such as a liquid crystal panel or an organic EL display. The operation unit 34 is an interface that accepts operations from the provider, and uses physical buttons, a keyboard, a pointing device, a touch panel device built into the display, a speaker, a microphone, etc. The operation unit 24 may accept operations on a screen displayed on the display unit 33 using physical buttons or a touch panel, or may recognize the operation content from input voice using a microphone and accept the operation in an interactive format using the voice output from a speaker.

[0048] The reading unit 35 is a reader that reads information from other devices. The reading unit 35 may be a barcode reader or a camera. The reading unit 35 may be an interface that is connected to other devices (cash register terminals, meters) for calculating the fee for the service. The fee may be input using the operation unit 34.

[0049] In preparation for using the payment platform 100, the provider terminal device 3 may acquire the player ID itself or coded data linked to the player ID to make the information identifying the provider (player ID) easier to read by the reading unit 25 of the user terminal device 2. The player ID itself or coded data linked to the player ID may be acquired by applying to the information processing device 1 from the provider terminal device 3, or may be issued by the information processing device 1 and acquired by the provider terminal device 3 when the provider terminal device 3 enters into a contract with the payment platform 100 as a provider.

[0050] Figure 5 is a block diagram showing the configuration of the payer terminal device 4. The payer terminal device 4 is used by the accounting department of the company or organization that is the payer, an administrator, or another user who is the sponsor. The payer terminal device 4 may be a personal computer or a server computer, or it may be a tablet terminal, smartphone, etc. that is individually managed by staff or other users.

[0051] The payer terminal device 4 includes a processing unit 40, a storage unit 41, a communication unit 42, a display unit 43, and an operation unit 44.

[0052] The processing unit 40 is a processor using a CPU or a GPU, and controls each component to execute processing using built-in memory such as ROM or RAM. The processing unit 40 can communicate with the information processing device 1 based on a terminal application program P4 stored in the storage unit 41, displays information related to service provision, and accepts operations.

[0053] The storage unit 41 uses a non-volatile storage medium such as a hard disk, SSD, or flash memory, and stores programs and data, including the terminal application program P4, referenced by the processing unit 40. The storage unit 41 stores account information, including a player ID that identifies each payer.

[0054] The processing unit 40 displays a graphical interface for the payer on the display unit 43 based on the classification (payer) of the account information corresponding to the player ID stored in the memory unit 41 and the terminal application program P4, and exchanges data with the information processing device 1 as an application for the payer.

[0055] The communication unit 42 is a communication device that realizes communication with the information processing device 1 via the public communication network N1 or the carrier network N2. The communication device may be a wired communication device or a wireless communication device. The communication unit 42 is, for example, a wireless communication device that supports WiFi.

[0056] The display unit 43 uses a display device such as a liquid crystal panel or an organic EL display. The operation unit 44 is an interface that accepts user operations and uses physical buttons, a keyboard, a pointing device, a touch panel device built into the display, a speaker, a microphone, etc. The operation unit 24 may accept operations on a screen displayed on the display unit 33 using physical buttons or a touch panel, or may recognize the operation content from input voice using a microphone and accept the operation in an interactive format using voice output from a speaker.

[0057] The following describes, with reference to example contents, the service DB 101 input and output by the information processing device 1. The service DB 101 includes a player DB 102 for identifying players and storing attributes and the like, a form DB 103, and a recruitment conditions DB 104.

[0058] FIG. 6 is a diagram showing an example of the contents of the player DB 102 of the service DB 101. The player DB 102 stores attributes such as the type of player and the name of the player in association with the player ID. The type of player is at least one of a user, a provider, and a payer. There may be multiple types of players. The same player may be assigned different player IDs depending on the type. The player attributes stored in the player DB 102 include contact information such as a phone number, an email address, and an SNS (Social Network Service) account.

[0059] The player DB 102 stores payment information, such as a bank account for a player to withdraw or deposit money, and card information when a player's personal credit card is used as the payment method, in association with a player ID.

[0060] The player DB 102 stores data identifying the type of business in association with a player ID to which a provider type is assigned. If a player has not been issued an account as a provider, this information does not need to be stored.

[0061] The player DB 102 may store the player ID of the player who is the default payer in association with the player ID to which the user type is assigned. For example, the player ID issued to the accounting department of the organization (company) to which the individual belongs may be stored in association with the player ID of the individual, and the accounting department may be set to automatically become the payer when the expense use is approved.

[0062] The account information including the player ID may be issued by the payment platform 100 personally by the player who will be the user, or may be issued collectively by the organization to which the player belongs depending on the number of users.

[0063] An avatar may be set in association with a player ID so that transactions can be conducted between players in the metaverse. Data for outputting a general user-like avatar may be associated with a player ID for a user type, and may be editable from the user terminal device 2. Editable avatar data according to the provider's industry may be associated with a provider's player ID, and similarly, editable avatar data for the payer may be associated with a payer's player ID.

[0064] FIG. 7 is a diagram showing an example of information stored in the form DB 103. The form DB 103 stores created digital form DFs. The digital form DF includes a transaction ID, the date and time of issue, the start date and time of use, the end date and time of use, the purpose of use, the name of the service or product being used, details, the amount, the user's player ID (user ID), the player ID (provider ID) of the provider providing the service or product, and the payer's player ID (payer ID). If the cost of a single use is shared among multiple payers (which may include the user), multiple player IDs may be included. The example of content of the form DB 103 shown in FIG. 7 includes a digital form DF (transaction ID: F0023819900010) for which the provision of the service or product has already been completed, and a digital form DF (transaction ID: F0023820058850) for which only the user has been determined but the service or product has not yet been provided and the service provider has not yet been determined.

[0065] Digital document DF can be issued with any one of the following: the user's player ID, the player ID of the provider of the service or product, the payer's player ID, the amount, and the name (details) of the service or product used. Digital document DF is completed sequentially as the service provision progresses, as described below. Digital document DF allows the information required for payment to be determined after the service is completed.

[0066] FIG. 8 is a diagram showing an example of the contents of information stored in the solicitation conditions DB 104. The solicitation conditions DB 104 stores the contents of solicitation conditions included in requests sent to the information processing device 1 from the user terminal device 2, provider terminal device 3, or payer terminal device 4, and requests from the information processing device 1 itself. The solicitation conditions include the contents of conditions such as fee conditions, location, period, number of people, etc., associated with a solicitation ID for identifying the solicitation and the transaction ID of the issued digital document DF. When the solicitation ends, the solicitation conditions are deleted by the information processing device 1.

[0067] In the payment platform 100 configured as described above, the information processing device 1 executes processing to complete the digital form DF and complete the payment while transmitting and receiving data between the user terminal device 2, the provider terminal device 3, and the payer terminal device 4. First, the processing at the stage of issuing the digital form DF will be explained, and then the processing by the information processing device 1 to promote the completion of the issued digital form DF will be explained.

[0068] 9 is a flowchart showing an example of a procedure for issuing a digital form DF by the information processing device 1. The information processing device 1 sequentially executes the following processing procedures.

[0069] The processing unit 10 accepts a solicitation request with solicitation conditions that specify at least one of the user, provider, payer, content of the service or product, and amount (step S101). In step S101, the processing unit 10 may accept a solicitation request that specifies the player ID of the user from the user terminal device 2, or may accept a solicitation request that specifies the player ID of the provider from the provider terminal device 3. The processing unit 10 may also accept a solicitation request that specifies the player ID of the payer from the payer terminal device 4.

[0070] The processing unit 10 may accept a solicitation request that specifies only the content of the service or product and is issued by processing within the information processing device 1, or similarly, may accept an internal solicitation request that specifies only the amount. In this case, the information processing device 1 may create a solicitation request using a market stimulation function on the payment platform 100 based on demand forecasts based on the performance of the digital form DF up to that point.

[0071] In step S101, the processing unit 10 may receive a solicitation request specifying the user's player ID and the details of the service or product from the user terminal device 2, or may receive a solicitation request specifying the amount from the user terminal device 2. Similarly, the processing unit 10 may receive a solicitation request specifying the details of the service or product, the provider's player ID, and the payer's player ID from the provider terminal device 3 or the payer terminal device 4.

[0072] The processing unit 10 assigns a transaction ID in response to the received solicitation request and creates a digital form DF (step S102). The digital form DF is created including the transaction ID and at least one of the player ID of the requesting user, the player ID of the provider, the player ID of the payer, the content of the service or product, and the price. After being stored in the form DB 103 as a digital form DF, the digital form DF can be searched and viewed from the information processing device 1 itself, the user terminal device 2, the provider terminal device 3, and the payer terminal device 4.

[0073] The processing unit 10 stores the solicitation conditions included in the received solicitation request in association with the solicitation ID in the solicitation conditions DB 104 (step S103). In step S103, the processing unit 10 may accept the solicitation conditions, such as the field of service or product, conditions, period, and requests, on an operation screen displayed on the user terminal device 2, the provider terminal device 3, or the payer terminal device 4. In step S103, the processing unit 10 may accept search keywords for the solicitation along with the solicitation conditions. This promotes searches from applying users, payers, and providers.

[0074] The processing unit 10 stores the contact point for inquiries about changes to the solicitation conditions in the solicitation conditions DB 104 in association with the solicitation conditions (step S104). In step S104, the processing unit 10 stores the user terminal device 2, provider terminal device 3, or payer terminal device 4 that sent the solicitation request as the contact point for inquiries. Additionally, when the solicitation request is made by the information processing device 1 itself, the processing unit 10 may set the contact point for inquiries to a process (instance) that performs the function of changing the solicitation conditions based on a predetermined algorithm in the information processing device 1 itself.

[0075] According to the processing procedure shown in the flowchart of Figure 9, an incomplete digital form DF is stored in the form DB10 / DB103. Figure 10 is an explanatory diagram showing the state of the digital form DF at the time of creation. As shown in Figures 10A, B, C, D, E, and F, the digital form DF is created with at least one of the following items (2)-(5) defined: (1) information identifying the transaction (transaction ID), (2) information indicating the details of the service or product provided (item), (3) fee, (4) service or product provider (payee), (5) service or product user, and (6) fee payer, which are necessary for settlement or expense processing. In Figures 10A, B, C, D, E, and F, filled-in items are shown in bold, and undefined items are shown in thin frames.

[0076] In Fig. 10A, the digital form DF is created with only the user (5) specified. For example, when a user uses the user terminal device 2 to send a recruitment request to the information processing device 1 with a request (recruitment condition) of "I want to depart from Tokyo Station within about 30 minutes and arrive at Haneda Airport by 2:00 PM," a digital form DF such as that shown in Fig. 10A is created.

[0077] In Fig. 10B, the digital form DF is created with only the payer (6) specified. For example, when a payer uses the payer terminal device 4 to solicit users with the request (recruitment conditions) "We will provide funds, and we would like you to experience our education services and then answer a questionnaire," and sends a solicitation request to the information processing device 1, asking the users to specify their preferred provider, a digital form DF like the one shown in Fig. 10B is created.

[0078] In Fig. 10C, the digital form DF is created with only the provider (4) specified. For example, when a provider uses the provider terminal device 3 to send a recruitment request to the information processing device 1 with a request (recruitment condition) that "we will provide services at a special rate on the condition that you post your experience on SNS as a way of promoting the service," a digital form DF like the one shown in Fig. 10C is created.

[0079] In Fig. 10D, the digital form DF is created with only the service or product (2) specified. For example, if the information processing device 1 itself uncovers needs and issues a recruitment request based on the popularity of the service or product, a digital form DF such as that shown in Fig. 10D is created. For example, if the administrator of the information processing device 1 wants to hold an "ideathon" for a specified period of time, but sends a recruitment request for "ideathon" to the information processing device 1 on the condition that facilitators and their plans are sought and payers and users are sought in accordance with the plans, a digital form DF such as that shown in Fig. 10D is also created.

[0080] In Figure 10E, the digital form DF is created with only the fee (amount) (3) defined. For example, if the processing of the information processing device 1 itself, or the administrator of the information processing device 1 (administrator of the payment platform 100), launches a project that presents an amount, and issues a solicitation request to later decide the payer, the service or product that will use that amount, and the provider of that product, a digital form DF such as that shown in Figure 10E is created. In this way, the payment platform 100 also allows the creation of a digital form DF that stimulates needs, where only the "amount" is defined.

[0081] The digital form DF may also be prepared by specifying the details of the service or product (2) and the provider (4), as shown in Fig. 10F. For example, when a provider uses the provider terminal device 3 to send a crowdfunding-like solicitation request to solicit payers and users, such as "We would like you to invest in and try out our new service," to the information processing device 1, a digital form DF such as that shown in Fig. 10F is prepared.

[0082] In addition, various patterns may exist at each point in time, such as a digital form DF pending only for the user, a digital form DF pending only for the payer, and a digital form DF pending only for the provider.

[0083] In this way, a wide variety of digital form DFs can be issued. Once a digital form DF is issued as described above, digital tickets based on each digital form DF are put up for sale on the digital ticket market, and can be searched and viewed from the user terminal device 2, provider terminal device 3, and payer terminal device 4 using any of the information such as the user ID, provider ID, payer ID, service content, price, etc.

[0084] The information processing device 1 of the payment platform 100 recruits at least one of the user, provider, and payer based on the digital form DF as shown in Figures 10A to 10F, and completes the digital form DF little by little.

[0085] 11 is a flowchart showing an example of a processing procedure by the information processing device 1. When the user terminal device 2 starts the terminal application program P2, the provider terminal device 3 starts the terminal application program P3, and the payer terminal device 4 starts the terminal application program P4, the information processing device 1 executes the following processing.

[0086] When the user terminal device 2, the provider terminal device 3, and the payer terminal device 4 start their respective terminal application programs P2, P3, and P4, they transmit account information including the player ID associated with each to the information processing device 1. In other words, when a user, a provider, or a payer starts the terminal application program P2, P3, or P4 and logs in (transmits account information), the information processing device 1 executes the following processing.

[0087] The processing unit 10 receives the account information (step S111), and extracts the issued digital form DF that matches the recruitment conditions based on the type and attributes of the player ID included in the account information (step S112).

[0088] The processing unit 10 notifies the content of the solicitation of the digital document DF extracted in step S112 to the user terminal device 2, provider terminal device 3, or payer terminal device 4 corresponding to the account information received in step S111 (step S113).

[0089] The processing unit 10 receives a search request including a search keyword (step S114), and extracts issued digital forms DF whose recruitment conditions match the search keyword included in the search request (step S115).

[0090] The processing unit 10 notifies the content of the solicitation of the digital document DF extracted in step S115 to the user terminal device 2, provider terminal device 3, or payer terminal device 4 corresponding to the account information received in step S111 (step S116).

[0091] The processing unit 10 accepts applications in response to the notification of the solicitation contents (step S117), and notifies the contents of the application to the user terminal device 2, provider terminal device 3, or payer terminal device 4, which is the contact point for inquiries corresponding to the target solicitation contents (step S118). The processing unit 10 accepts the selection of a user, provider or payer, service or product, or fee from the applications from the contact point (step S119). The selection from the applications in steps S118 and S119 may be made automatically by a predetermined selection algorithm of the information processing unit 1.

[0092] The processing unit 10 determines the selected user, provider or payer, service or product, or fee (step S120). The processing unit 10 adds the determined item (user, provider or payer, service or product, or fee) to the digital form DF (step S121), and ends the processing.

[0093] FIG. 12 is an explanatory diagram showing an example of the display of recruitment details. FIG. 12 is an example of a main screen 230 displayed on the display unit 23 when a user logs in using the user terminal device 2, for example. FIG. 12 displays the player ID and attributes (name and organization name) of the logged-in user. The main screen 230 includes a list of menus 231 corresponding to available services that the user has pre-set among services affiliated with the payment platform 100. In the example of FIG. 12, the list on the main screen 230 includes menus 231 corresponding to a service for searching for taxis, a service for searching for accommodations, and a service for searching for events. The main screen 230 in FIG. 12 also displays thumbnails 232 of recommended digital tickets based on the digital form DF corresponding to the user's attributes.

[0094] The user can also send a request for issuing a digital form DF to the information processing device 1. The user can be notified of recommended digital tickets, as shown in Fig. 12. The user can select a menu and perform a search for digital tickets based on the digital form DF, and then be notified of digital tickets based on the digital form DF that match their needs, purpose, and attributes.

[0095] When the user selects one of these notified digital tickets, the process of S117-S120 in the processing procedure shown in the flowchart of Fig. 11 is executed, thereby determining the pending items in the digital form DF and completing it.

[0096] Figure 13 is an explanatory diagram showing the state of a digital form DF before it is completed. As shown in Figures 13A, B, C, and D, the digital form DF is filled in in any order with items (2) through (5) of the following necessary fields for settlement or expense processing: (1) information identifying the transaction (transaction ID), (2) information indicating the details of the service or product provided (item), (3) fee, (4) provider of the service or product (payee), (5) user of the service or product, and (6) payer of the fee. In Figures 13A, B, C, and D, filled fields are shown in bold, with a thick frame, and undetermined fields are shown in a thin frame.

[0097] 13A, the user (5) and the amount (3) have not been determined. For example, it is conceivable that the digital form DF is created by the information processing device 1 itself by specifying the content of the service or product (2), and after the payer (6) and the provider (4) have come forward and been determined as sponsors, the user (5) and the amount (3) have not been determined.

[0098] In the digital form DF in Fig. 13B, only the user (5) has not been decided. For the digital form DF created in response to a request from the provider (4), after the provider has decided on the content of the service or product (2), the payer (6) as a sponsor will designate the amount (3) and solicit donations. If the sponsor is selected, only the user (5) has not been decided.

[0099] In the digital form DF in Figure 13C, only the provider (4) has not been determined. This can be assumed to be the case where a digital form DF is issued by a request from a user (5) specifying the service or product details (2), the budget (fee) (3), and the payer (the user himself or the accounting department of the organization) (6), but the provider (5) has not yet been determined.

[0100] In the digital form DF in Fig. 13D, only the payer (6) has not been decided. It is assumed that, for a digital form DF that has been created by the information processing device 1 itself with a budget (3) specified, a provider (4) will come forward, the content of the service or product (2) related to that business field will be decided, and a user (5) will be selected based on their application, but only the payer (6) has not been decided.

[0101] Next, the information processing device 1 performs a process to promote completion of an incomplete digital form DF such as that shown in FIGS. 13A-D.

[0102] 14 is a flowchart showing an example of a procedure for promoting the completion of a digital form DF by the information processing device 1. The information processing device 1 executes the following process periodically or in response to an event such as a search being performed.

[0103] The processing unit 10 of the information processing device 1 refers to the form DB 103 and the recruitment conditions DB 104, and extracts an incomplete digital form DF (step S201).

[0104] The processing unit 10 classifies the digital form DF extracted in step S201 according to the type of missing items (step S202). The processing unit 10 executes a solicitation process for the incomplete digital form DF after classification, targeting players who can become users, providers, or payers by means according to the type of missing items (step S203).

[0105] Of the digital form DF extracted in step S201, the digital form DF is classified according to the attributes of the items that have already been determined (step S204). The processing unit 10 executes a recruitment process for the incomplete digital form DF after classification, targeting players who can become users, providers, or payers by means according to the attributes of the items that have been determined (step S205), and ends the process.

[0106] Fig. 15 is a flowchart showing an example of a collection process procedure. The process procedure shown in the flowchart in Fig. 15 corresponds to the details of the process of step S203 executed when the missing items are the user (5) and the amount (3).

[0107] The processing unit 10 executes the following process for the digital form DF for which the user and amount are undecided, among the incomplete digital form DF extracted in step S201.

[0108] The processing unit 10 puts up a digital ticket based on the extracted digital form DF on an affiliated auction site (step S301). In step S301, the processing unit 10 may put up the digital ticket not only on the auction site but also on a web-based service that recruits users, such as a crowdfunding site, to solicit users and have a determined user decide the price.

[0109] In step S301, the processing unit 10 may select a market with a large number of users or a highly active market depending on the field of the service or product provided and put the pending digital form DF up for sale on a different auction site. For example, if the provider is a travel-related business and the user has not yet decided on a digital form DF, the information processing device 1 will put it up for sale on an affiliated auction site for travel. Similarly, if the provider is a theater-related business and the user has not yet decided on a digital form DF, the information processing device 1 will put it up for sale on an affiliated auction site for theater.

[0110] The processing unit 10 extracts digital tickets that have been put up for sale on the affiliated auction site and that have been pending for a predetermined first period or longer (step S302).The processing unit 10 posts a link to the auction site to the SNS using a search keyword registered in the solicitation conditions DB 104 based on the transaction ID of the original digital form DF (step S303).

[0111] The processing unit 10 extracts, from among the digital tickets already put up for sale on the affiliated auction site, digital tickets that have been pending for a second period or longer, which is longer than the predetermined first period (step S304). The processing unit 10 temporarily suspends the putting up of the digital tickets that have been pending for the second period or longer extracted in step S304 on the auction site (step S305). The processing unit 10 sends a notification of inquiry regarding a change in conditions to the contact point registered in the solicitation conditions DB 104, based on the transaction ID of the digital form DF that is the source of the digital tickets extracted in step S304 (step S306). The inquiry notification may be sent by including the content of the inquiry made on the auction site, for example.

[0112] If there is no digital ticket pending for the first period or longer in step S302, that is, if there is no digital ticket pending for the second period or longer in step S304, the processing unit 10 skips steps S303-S306.

[0113] If the conditions are changed as a result of sending the inquiry notification in step S306, for example, the processing unit 10 receives a conditions change request from the provider terminal device 3 (step S307) and changes the solicitation conditions in the target digital document DF itself or the corresponding solicitation conditions DB 104 (step S308).

[0114] In step S308, the processing unit 10 may change the contents of the conditions in the solicitation conditions DB 104 corresponding to the digital form DF, or may execute a process to split the digital form DF. When splitting, the information processing device 1 may issue a digital form DF with a new transaction ID that is the transaction ID before the split with a branch number added.

[0115] The processing unit 10 changes the conditions on the affiliated auction site in accordance with the change in the digital form DF (step S309), resumes listing (step S310), and ends the solicitation process.

[0116] Fig. 16 is a flowchart showing an example of another recruitment process procedure. The process procedure shown in the flowchart of Fig. 16 corresponds to the details of the process of step S203 executed when the missing item is only the user (5).

[0117] The processing unit 10 selects one digital form DF for which only the user has not yet made a decision (step S321). The processing unit 10 extracts the player ID of the user who matches the solicitation conditions for the selected digital form DF (step S322). The processing unit 10 pushes (advertises) the solicitation details for the digital form DF to the user terminal device 2 used by the extracted player ID (step S323).

[0118] In step S322, the processing unit 10 may also refer to the player DB 102 and the digital document DF after payment from the document DB 103, and based on the user's usage history and attributes, extract users who are likely to prefer digital tickets based on the pending digital document DF, determine targets, and notify them.

[0119] In step S323, the processing unit 10 may cause an avatar of the player ID of the corresponding provider to have a conversation to make an announcement to an avatar of the extracted player ID in the metaverse space.

[0120] The processing unit 10 determines whether or not the user has selected all of the pending digital forms DF (step S324). If it is determined that not all of the digital forms DF have been selected (S324: NO), the processing unit 10 returns the process to step S321.

[0121] If it is determined in step S324 that all have been selected (S324: YES), the processing unit 10 ends the solicitation process for the digital form DF for which only the user has not yet been decided.

[0122] Fig. 17 is a flowchart showing an example of another collection process procedure. The process procedure shown in the flowchart of Fig. 17 corresponds to the details of the process of step S203 executed when the only missing item is the payer type (6).

[0123] The processing unit 10 selects one digital form DF for which only the payer is pending (step S331). The processing unit 10 extracts the player ID of the payer who matches the solicitation conditions for the selected digital form DF (step S332). The processing unit 10 pushes (advertises) the solicitation details for the digital form DF to the payer terminal device 4 used by the payer of the extracted player ID (step S333).

[0124] In step S333, the processing unit 10 may make a selection based on the performance of the payer, or may make a selection based on the attributes of the payer stored in the player DB 102 and in accordance with the field of service or product determined in the digital document DF.

[0125] The processing unit 10 determines whether the pending state for the selected digital form DF has continued for a predetermined third period or more (step S334). If it is determined that the pending state has continued for a predetermined third period or more (S334: YES), the processing unit 10 reads out the solicitation conditions corresponding to the selected digital form DF from the solicitation conditions DB 104 and an inquiry address for changing the conditions (step S335). The processing unit 10 transmits a notification of inquiry for changing the conditions, such as a proposal for division, to the read inquiry address (step S336).

[0126] If the conditions are to be changed as a result of sending the inquiry notification in step S336, the processing unit 10 receives a condition change request, for example, from the user terminal device 2 (step S337), changes the target digital document DF (step S338), and proceeds to step S339.

[0127] If it is determined that the pending state has not continued for the predetermined third period or longer (S334: NO), the processing unit 10 proceeds to step S339.

[0128] The processing unit 10 determines whether or not only the payer has selected all of the pending digital forms DF (step S339). If it is determined that not all of the digital forms DF have been selected (S339: NO), the processing unit 10 returns the process to step S331.

[0129] If it is determined in step S339 that all items have been selected (S339: YES), the processing unit 10 ends the collection process for the digital form DF for which only the payer is pending.

[0130] Fig. 18 is a flowchart showing an example of another recruitment process procedure. The process procedure shown in the flowchart of Fig. 18 corresponds to the details of the process of step S203 executed when the only missing item is the provider (4).

[0131] The processing unit 10 selects one digital form DF for which only the provider is pending (step S341). The processing unit 10 extracts player IDs of candidate providers who match the solicitation conditions for the selected digital form DF (step S342). The processing unit 10 pushes (advertises) the solicitation details for the digital form DF to the provider terminal device 3 used by the provider of the extracted player ID (step S343).

[0132] In step S343, the processing unit 10 may select based on the provider's track record, or may extract and select as a candidate based on the attributes stored in the provider's player DB 102 and in accordance with the field of service or product determined in the digital form DF.

[0133] The processing unit 10 determines whether the pending state for the selected digital form DF has continued for a predetermined fourth period or more (step S344). If it is determined that the pending state has continued for a predetermined fourth period or more (S344: YES), the processing unit 10 reads out the solicitation conditions corresponding to the selected digital form DF from the solicitation conditions DB 104 and an inquiry address for changing the conditions (step S345). The processing unit 10 transmits a notification of inquiry for changing the conditions, such as a proposal for division, to the read inquiry address (step S346).

[0134] If the conditions are to be changed as a result of sending the inquiry notification in step S346, the processing unit 10 receives a condition change request, for example, from the user terminal device 2 (step S347), changes the target digital document DF (step S348), and proceeds to step S349.

[0135] If it is determined that the pending state has not continued for the predetermined fourth period or longer (S344: NO), the processing unit 10 proceeds to step S349.

[0136] The processing unit 10 judges whether or not only the provider has selected all of the pending digital forms DF (step S349). If it is judged that not all have been selected (S349: NO), the processing unit 10 returns the process to step S341.

[0137] If it is determined in step S349 that all items have been selected (S349: YES), the processing unit 10 ends the solicitation process for the digital form DF for which only the provider is undecided.

[0138] For the types of processes other than those shown in the flowcharts of FIGS. 15 to 18, the processing unit 10 executes the recruitment process as follows, for example.

[0139] The processing unit 10 may use the terminal application programs P2, P3, and P4 to send a message to first the provider and second the payer and user to prompt them to decide the amount for the digital document DF that remains undecided even after the provision of the service or product has been completed. If the amount remains undecided before the provision of the service or product has been completed, the information processing device 1 does not need to perform any particular prompting process.

[0140] The processing unit 10 may send a message to the provider, via the terminal application programs P2, P3, and P4, urging the payer and user to decide the amount for a digital form DF for which the content of the service or product is pending.

[0141] In this way, the payment platform 100, through the processing of the information processing device 1, promotes the completion of the digital form DF in different ways depending on the classification of the incomplete digital form DF.

[0142] Fig. 19 is a flowchart showing an example of another recruitment process procedure. The process procedure shown in the flowchart of Fig. 19 corresponds to the details of the process of step S205 of the process shown in the flowchart of Fig. 14. In Fig. 19, when (2) the content of the service or product has been decided among the determined items, the recruitment process procedure according to the attribute is executed.

[0143] The processing unit 10 detects that the content of the determined service or product has been searched for in the search menu included in the terminal application programs P2, P3, and P4 of the user, provider, and payer (step S501). In step S501, the processing unit 10 sequentially acquires the selection of the search menu, the input of text into the search menu, etc., and executes a process to return the search results, and may detect this at the same time.

[0144] When a search is performed, the processing unit 10 also presents the search results with (2) a digital ticket based on a digital document DF in which the content of the service or product has been decided but there are pending items for other users, providers, or payers (step S502), and ends the recruitment process.

[0145] When an application is made for the digital ticket presented in step S502, the processing unit 10 may simply add items from the application corresponding to the target user, provider, or payer to the digital form DF.

[0146] In step S501, the processing unit 10 uses, for example, a search menu of the application program P2 for the user's terminal, or a scheduler program, if one exists, as another linked application program. When the date and time, departure time, departure place, etc. of a business trip are input into the scheduler as search words, the processing unit 10 extracts digital forms DF that are pending for the user with transportation-related businesses as providers, and outputs them as search results.

[0147] In this way, the information processing device 1 executes a process for promoting the completion of a digital form DF in which any item is pending, using any of other application programs such as a search engine or services such as an auction site.

[0148] The embodiments disclosed above are illustrative in all respects and are not restrictive. The scope of the present invention is defined by the claims, and includes all modifications within the meaning and scope of the claims. [Explanation of symbols]

[0149] 1. Information processing equipment 10 Processing section 11 Storage section 101 Service DB 2. User terminal device

Claims

1. An information processing method in which a computer processes digital document data that is the basis for settling a fee for a service or product, the digital document data including content identification information for identifying the content of the service or product, user identification information for a user of the service or product, provider identification information for a provider of the service or product, fee information indicating a fee for the service or product, and payer identification information for identifying a payer of the fee, the method comprising: The computer extracting the digital form data including undetermined information from among the content specification information, user identification information, provider identification information, fee information, and payer identification information; Classifying the extracted digital form data into a plurality of types based on undetermined information or combinations of the undetermined information; For the undetermined information of each classified type, a method associated with the type is selected and executed as a support method for supporting the determination of the information. Information processing methods.

2. When the combination of the undetermined information is user identification information and fee information, the selected support method is to put the undetermined information on an auction site that collects the undetermined information. The information processing method according to claim 1 .

3. If the undetermined information combination is information other than the content-specific information, the selected support method is to use a search program that accepts a search and outputs a search result; The computer outputs information about the digital form data when a search word related to the determined information is input. The information processing method according to claim 1 .

4. When the undetermined information is any one of user identification information, provider identification information, or payer identification information, the support method selected for the digital form data of the type is a method of notifying any one of the user of the undetermined user identification information, the provider of the provider identification information, or the payer of the payer identification information, The notification recipient is a user, provider, or payer who meets the solicitation conditions set in the digital form data. The information processing method according to claim 1 .

5. One of the support methods is to post on social media with a keyword to promote the confirmation of the digital ticket, The keyword is a predetermined keyword and / or a related keyword received when the digital form data is submitted. The information processing method according to claim 1 .

6. When accepting the issuance of the digital form data specifying any one of the content specifying information, user identification information, provider identification information, fee information, and payer identification information, accepting solicitation conditions for the content specifying information, user identification information, provider identification information, fee information, or payer identification information, If the digital form data includes undetermined information, changes to the recruitment conditions are accepted. The information processing method according to any one of claims 1 to 5.

7. An information processing method in which a computer processes digital document data that is the basis for settling a fee for a service or product, the digital document data including content identification information for identifying the content of the service or product, user identification information for a user of the service or product, provider identification information for a provider of the service or product, fee information indicating a fee for the service or product, and payer identification information for identifying a payer of the fee, the method comprising: The computer When accepting the issuance of the digital form data specifying any one of the content specifying information, user identification information, provider identification information, fee information, and payer identification information, accepting solicitation conditions for the content specifying information, user identification information, provider identification information, fee information, or payer identification information, extracting the digital form data including undetermined information from among the content specification information, user identification information, provider identification information, fee information, and payer identification information; classifying the digital form data including the undetermined information based on the type of the undetermined information or the attribute of the determined information; Selecting and executing a method associated with the classified type as a support method for supporting the determination of the undetermined information in the classified digital form data; Accepting a change to the recruitment conditions for the extracted digital form data or accepting division of the digital form data. Information processing methods.

8. An information processing device that processes digital document data that is the basis for payment of fees for the service or product, the digital document data including content identification information for identifying the content of the service or product, user identification information of the user of the service or product, provider identification information of the provider of the service or product, fee information indicating the fee for the service or product, and payer identification information identifying the payer of the fee, an extraction unit that extracts the digital form data including undetermined information from among the content specification information, user identification information, provider identification information, fee information, and payer identification information; a classification unit that classifies the extracted digital form data into a plurality of types based on undetermined information or a combination of the undetermined information; an execution unit that selects and executes a method associated with each type as a support method for supporting the determination of the undetermined information of each classified type; An information processing device comprising:

9. A computer program that causes a computer to process digital document data that is the basis for settling a fee for the service or product, the digital document data including content identification information for identifying the content of the service or product, user identification information of a user of the service or product, provider identification information of a provider of the service or product, fee information indicating a fee for the service or product, and payer identification information identifying a payer of the fee, The computer, extracting the digital form data including undetermined information from among the content specification information, user identification information, provider identification information, fee information, and payer identification information; Classifying the extracted digital form data into a plurality of types based on undetermined information or combinations of the undetermined information; For the undetermined information of each classified type, a method associated with the type is selected and executed as a support method for supporting the determination of the information. A computer program that executes a process.

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